by J Brennan
Shopping for car insurance can be one of the most irritating
experiences in modern life. Insuring your car can be extremely
expensive, especially on a fixed or limited income, but it is
necessary in most states to legally operate a vehicle.
With the uncertainty of fuel prices, the costs of transportation
have become a serious burden for the average family-especially
since one out of three American families own (and fuel and
insure) three or more cars. Because of rising costs, more and
more people are looking to reduce costs in other areas,
including insurance.
While you can't bring down the price of gas, you can do
something to reduce your car insurance costs.
Car insurance rates are a reflection of the perceived risk the
insurance company takes on when it insures you. If the company
sees your risks as higher, then the insurance premium will be
higher. If the company sees the risks of insuring you as lower,
then this also will reflect in your car insurance premium.
Reducing your insurance premiums is all about doing things to
demonstrate that the risk when insuring your car is low.
Tips To Reducing Car Insurance Costs:
. One of the first things insurance companies look for when it
comes to assessing your premium is the type of car you drive.
Fair or not, different types of cars mean different levels of
insurance premiums. The reasoning behind this comes down to the
statistics. Different types of cars attract different types of
people with different types of risks.
Sports cars, for example, will usually be involved in more
accidents than the family minivan. Sports cars are also more
likely to be stolen, which also raises insurance premiums.
Your insurance agent can let you know which cars are cheaper,
and which are more expensive, to insure. Make sure to consult
with your insurance agent when you're in the market for a new
car. The right car can lower insurance rates by hundreds of
dollars!
. Consider your deductible. This is the amount you pay first out
of any claim, and the cost of your policy is directly related to
the amount of your deductible. Higher deductible - lower
premium. So consider carefully whether you could afford to pay a
higher amount first from any accident and raise your deductible.
If so, you will get lower premiums.
. Safety and anti-theft devices can reduce insurance costs. Talk
to your insurance company and find out if there are any safety
or anti-theft devices you can install to reduce your premium.
Then consider installing them making sure that you notify your
insurance company once you have done so. And why not ring up
your company and make sure that they are aware of any safety and
anti theft devices you already have.
. Have a look at other insurance policies you have with other
companies. Many insurers offer discounts for combining all your
family insurance with their company. Find out who they are and
get a quote on all your policies combined.
These tips are not the end. There are many more ways to lower
your insurance premiums. It just takes a few minutes and can
save you hundreds. But if you do not shop around, you will not
be able to find cheaper insurance.
About the author:
You can save money on your car insurance premium. Get information on how to get an affordable auto insurance quote and save. Visit the Affordable Auto Insurance Quote Information site today: www.autocheapinsuranceinfo.com
Thursday, March 22, 2007
Wednesday, March 21, 2007
An In-depth Look at Auto Insurance Claims
by Levi Quinn
A car accident can be a scary time in anyone's life. Even if the
damage is minimal there is a police report to file, the other
driver to deal with and an auto insurance claim to file. If it
is your first accident you may find yourself overwhelmed and
unsure what to do first. Fortunately filing a claim is a step by
step process that is relatively simple to learn and understand.
The success of your auto insurance claim will be determined by
many factors. What you say and do at the scene of the accident,
the completeness and accuracy of the police report, the accuracy
of information that you receive from the other driver and the
speed with which you make the insurance report can all affect
your ultimate claim results.
At the Scene Never admit fault. In most jurisdictions "relative
fault" comes into play for insurance purposes. Even if you
clearly did something wrong, the other driver is obligated to
try to avoid hitting you. If he did not do everything possible
to avoid the accident then he may be partially at fault.
Relative fault is complicated and best left to experts to
determine. Simply stick to the facts and be honest but avoid
discussions of fault.
Make sure to get the other driver's full name, vehicle
information and complete insurance information, as well as a
contact number. Insist on a police report even if there is only
minor damage. Write a statement for your own records at the
scene if possible or as soon as you get home.
Report the accident to your auto insurance company immediately.
You will need to fill out a variety of forms which will serve as
the primary document by which your claim will be settled. Be
sure to call your insurance agent and ask any questions that you
may have. The insurance company may also request copies of the
other driver's insurance information as well as the police
report. The next steps will be determined by your insurance
company's normal procedures, the type of insurance you have, and
the insurer's determination of fault.
If the other driver is determined to be at fault then his
insurance company may offer you a quick settlement, especially
if you were injured. Take time to review the settlement offer
and if possible, have an attorney look it over. You will need to
make the determination as to whether the offer is fair and
reasonable. Your other option is a lawsuit, which can be costly
and time consuming. Only you and your attorney can decide which
choice is right for you.
A car accident and the aftermath of paperwork can be a scary
time. It is easy to become overwhelmed. Following the above tips
and asking questions as needed however, will help you learn the
process of filing your claim. You can be successful.
About the author:
Find the best deal on the auto insurance coverage you need. For money-saving tips, information about auto gap insurance, and other helpful car insurance advice, visit AutoInsuranceRatesDirect.com today.
A car accident can be a scary time in anyone's life. Even if the
damage is minimal there is a police report to file, the other
driver to deal with and an auto insurance claim to file. If it
is your first accident you may find yourself overwhelmed and
unsure what to do first. Fortunately filing a claim is a step by
step process that is relatively simple to learn and understand.
The success of your auto insurance claim will be determined by
many factors. What you say and do at the scene of the accident,
the completeness and accuracy of the police report, the accuracy
of information that you receive from the other driver and the
speed with which you make the insurance report can all affect
your ultimate claim results.
At the Scene Never admit fault. In most jurisdictions "relative
fault" comes into play for insurance purposes. Even if you
clearly did something wrong, the other driver is obligated to
try to avoid hitting you. If he did not do everything possible
to avoid the accident then he may be partially at fault.
Relative fault is complicated and best left to experts to
determine. Simply stick to the facts and be honest but avoid
discussions of fault.
Make sure to get the other driver's full name, vehicle
information and complete insurance information, as well as a
contact number. Insist on a police report even if there is only
minor damage. Write a statement for your own records at the
scene if possible or as soon as you get home.
Report the accident to your auto insurance company immediately.
You will need to fill out a variety of forms which will serve as
the primary document by which your claim will be settled. Be
sure to call your insurance agent and ask any questions that you
may have. The insurance company may also request copies of the
other driver's insurance information as well as the police
report. The next steps will be determined by your insurance
company's normal procedures, the type of insurance you have, and
the insurer's determination of fault.
If the other driver is determined to be at fault then his
insurance company may offer you a quick settlement, especially
if you were injured. Take time to review the settlement offer
and if possible, have an attorney look it over. You will need to
make the determination as to whether the offer is fair and
reasonable. Your other option is a lawsuit, which can be costly
and time consuming. Only you and your attorney can decide which
choice is right for you.
A car accident and the aftermath of paperwork can be a scary
time. It is easy to become overwhelmed. Following the above tips
and asking questions as needed however, will help you learn the
process of filing your claim. You can be successful.
About the author:
Find the best deal on the auto insurance coverage you need. For money-saving tips, information about auto gap insurance, and other helpful car insurance advice, visit AutoInsuranceRatesDirect.com today.
Tuesday, March 20, 2007
Cheap Car Insurance For Women - How to Get the Best Rates
by Brian Stevens
Statistically, women have fewer accidents than men and therefore
have lower insurance rates. Even so, if you're a woman you still
want to get the cheapest insurance you can. Here's how to do
just that.
Compare Rates
Because women's insurance rates can vary as much as $1,000
between companies for the same type of policy, the first thing
you need to do is to find the company with the best rates.
The quickest and easiest way to that is to go to an online
insurance comparison website. There you'll get get quotes from
top-ranked companies so you can compare rates. (See link below.)
Maximize Your Discounts
Once you're on the comparison site you'll need to fill out an
online questionnaire so you can get a quote that fits your
needs. As you fill out the questionnaire you'll be able include
discounts for your policy. Here are the ones that will save you
the most money:
* Increase you deductible if you can afford to pay it.
* Decline collision and comprehensive coverage if your car is
worth less than your premium.
* Decline medical coverage if you already have medical
insurance that covers you.
* Decline towing coverage if you have it through AAA or
somewhere else.
* If you have two cars, insure them with the same company.
* Decline rental car coverage if you don't want it.
* Include all the discounts you're entitled to for security
features like anti-theft devices, airbags, anti-lock brakes, and
automatic seat belts.
Last, but not least, you'll want to go to a consumer rating site
like Epinions.com to get the inside scoop on the company you
choose, to find out how they treat their customers and how
quickly they pay their claims.
Visit http://www.LowerRateQuotes.com or click on the following
link to get free car insurance quotes from A-rated companies
and see how much you can save. You can get more insurance tips by
checking out their "Articles" section.
About the author:
The author, Brian Stevens, is a former insurance agent and
financial consultant who has written extensively on how to get
cheap car insurance for women.
Statistically, women have fewer accidents than men and therefore
have lower insurance rates. Even so, if you're a woman you still
want to get the cheapest insurance you can. Here's how to do
just that.
Compare Rates
Because women's insurance rates can vary as much as $1,000
between companies for the same type of policy, the first thing
you need to do is to find the company with the best rates.
The quickest and easiest way to that is to go to an online
insurance comparison website. There you'll get get quotes from
top-ranked companies so you can compare rates. (See link below.)
Maximize Your Discounts
Once you're on the comparison site you'll need to fill out an
online questionnaire so you can get a quote that fits your
needs. As you fill out the questionnaire you'll be able include
discounts for your policy. Here are the ones that will save you
the most money:
* Increase you deductible if you can afford to pay it.
* Decline collision and comprehensive coverage if your car is
worth less than your premium.
* Decline medical coverage if you already have medical
insurance that covers you.
* Decline towing coverage if you have it through AAA or
somewhere else.
* If you have two cars, insure them with the same company.
* Decline rental car coverage if you don't want it.
* Include all the discounts you're entitled to for security
features like anti-theft devices, airbags, anti-lock brakes, and
automatic seat belts.
Last, but not least, you'll want to go to a consumer rating site
like Epinions.com to get the inside scoop on the company you
choose, to find out how they treat their customers and how
quickly they pay their claims.
Visit http://www.LowerRateQuotes.com or click on the following
link to get free car insurance quotes from A-rated companies
and see how much you can save. You can get more insurance tips by
checking out their "Articles" section.
About the author:
The author, Brian Stevens, is a former insurance agent and
financial consultant who has written extensively on how to get
cheap car insurance for women.
Sunday, March 18, 2007
Specific type of car insurance policy coverages
by RGann
It is important for you to understand what coverages are
involved when you get a car insurance policy. Each of these
details covers different areas. If you do look for a car
insurance policy, it is good to make sure you get it in any
combination you want, but make sure to get it from the same
company; to avoid any complications later, when and where as
claims are involved.
The type of car insurance policy coverages are:
Liability to Bodily Injuries
This type of car insurance is a basic requirement in most, if
not all, areas and countries. Liability to bodily injuries
provide coverage in other people's bodily injuries or death for
which you are responsible. It also provides for a legal defense
if another party in the accident files a lawsuit against you.
Claims for bodily injury may be for such things as medical
bills, loss of income or pain and suffering. In the event of a
serious accident, you want enough insurance to cover a judgment
against you in a lawsuit, without jeopardizing your personal
assets. Bodily injury liability covers injury to people, not
your vehicle. Therefore, it's good idea to have the same level
of coverage for all of your cars. Bodily Injury Liability does
NOT cover you or other people on your policy. Coverage is
limited to the terms and conditions contained in the policy.
Normally the country or state limits are usually low; in fact
too low, to protect you sufficiently. Purchasing higher bodily
liability car insurance would not increase your premium too
much. So if you can consider getting a higher and better
coverage. There is no deductible.
Liability to Property Damages
This type of car insurance covers damages to someone esle's
property. May it be the other party's car or other vehicles
involved in the accident, but it also covers other type of
property such as buildings or public properties ( such as lamp
posts, barriers etc). It also pays for legal costs. It also
covers you personally, members of your family and those you gave
permission to drive your car.
Check with your local car insurance company for the basic
requirements. There is no deductible.
Collision Insurance
Car Insurance coverage for collision covers damages to your car
when your car hits, or is hit by, another vehicle, or other
object. It pays to fix your vehicle less the deductible you
choose. To keep your premiums low, select as large a deductible
as you feel comfortable paying out of pocket. For older cars,
consider dropping this coverage, since coverage is normally
limited to the cash value of your car. Coverage is limited to
the terms and conditions contained in the policy.
Collision insurance carries a deductible, and the maximum you
can collect for repair costs is limited to the value of your car
proir to the accident minus the deductible. This coverage is
optional. so it is wise to consider carefully whether you need
it or not. Weigh the vaule of your car against the premium ypu
have to pay to cover it.The cost of the collision car insurance
is determined by the value of your car, or how much it would
cost you to make a replacement if it were totaled in an
accident. Add the deductibles to cost of the collision insurance
for the car. If it exceeds the market value of the care,
collsion insurance is a waste of your money because you will be
paying out more than you can ever collect if you have an
accident that totals your car. If the deductible and collision
insurance combined are less than the value of your car, then
collision insurance makes sense. As the age of your car
increases, the cost to replace it goes down, so before renewing
your policy every year, make a assessment whether or not it
makes sense to keep the collision insurance.
Comprehensive Insurance
Comprehensive Insurance Coverage Covers your vehicle, and
sometimes other vehicles you maybe driving for losses resulting
from incidents other than collision. For example, comprehensive
insurance covers damage to your car if it is stolen; or damaged
by flood, fire, or animals, falling objects, explosions,
earthquakes, riots and civil commotions or even if your car is
overturned during a natural disaster. It pays to fix your
vehicle less the deductible you choose. To keep your premiums
low, select as high a deductible as you feel comfortable paying
out of pocket. Coverage is limited to the terms and conditions
contained in the policy.
Compressive coverage is normally not compulsory in most
countries. How much you carry is up to you and should never
insure your car for more than its actual cash or market value.
Damages not associated with accidents can still be rather
expensive, and so it is advantageous to include comprehensive
car insurance coverage on your car insurance policy.
Medical Expenses Insurance
Medical Expenses Insurance covers medical expenses to you and
your passengers injured in an accident. There may also be
coverage if as a pedestrian a vehicle injures you. Coverage is
limited to the terms and conditions contained in the policy. It
pays the medical bills, disability,lost in wages, even the costs
for furnetal. It Does NOT matter who is at fault, and covers
you, your family members and passengers in you car.
Coverage for Uninsured Motorists
This coverage pays for injuries to you and your passengers in
you car if you are involved in an accident, and that party does
not have insurance. You will be covered if you got clobbered by
a hit-and-run driver.Normal this type of car insurance coverage
is mandatory. Uninsured motorist's coverage increases the payout
to make sure you get the protection you need.
About the author:
RGann is an independent writer and marketer online. Ther are
more ways to save money on car insurance. If you found this
article useful you can learn a lot more about car insurance tips
and resources by visiting http://at-car-insurance.com
It is important for you to understand what coverages are
involved when you get a car insurance policy. Each of these
details covers different areas. If you do look for a car
insurance policy, it is good to make sure you get it in any
combination you want, but make sure to get it from the same
company; to avoid any complications later, when and where as
claims are involved.
The type of car insurance policy coverages are:
Liability to Bodily Injuries
This type of car insurance is a basic requirement in most, if
not all, areas and countries. Liability to bodily injuries
provide coverage in other people's bodily injuries or death for
which you are responsible. It also provides for a legal defense
if another party in the accident files a lawsuit against you.
Claims for bodily injury may be for such things as medical
bills, loss of income or pain and suffering. In the event of a
serious accident, you want enough insurance to cover a judgment
against you in a lawsuit, without jeopardizing your personal
assets. Bodily injury liability covers injury to people, not
your vehicle. Therefore, it's good idea to have the same level
of coverage for all of your cars. Bodily Injury Liability does
NOT cover you or other people on your policy. Coverage is
limited to the terms and conditions contained in the policy.
Normally the country or state limits are usually low; in fact
too low, to protect you sufficiently. Purchasing higher bodily
liability car insurance would not increase your premium too
much. So if you can consider getting a higher and better
coverage. There is no deductible.
Liability to Property Damages
This type of car insurance covers damages to someone esle's
property. May it be the other party's car or other vehicles
involved in the accident, but it also covers other type of
property such as buildings or public properties ( such as lamp
posts, barriers etc). It also pays for legal costs. It also
covers you personally, members of your family and those you gave
permission to drive your car.
Check with your local car insurance company for the basic
requirements. There is no deductible.
Collision Insurance
Car Insurance coverage for collision covers damages to your car
when your car hits, or is hit by, another vehicle, or other
object. It pays to fix your vehicle less the deductible you
choose. To keep your premiums low, select as large a deductible
as you feel comfortable paying out of pocket. For older cars,
consider dropping this coverage, since coverage is normally
limited to the cash value of your car. Coverage is limited to
the terms and conditions contained in the policy.
Collision insurance carries a deductible, and the maximum you
can collect for repair costs is limited to the value of your car
proir to the accident minus the deductible. This coverage is
optional. so it is wise to consider carefully whether you need
it or not. Weigh the vaule of your car against the premium ypu
have to pay to cover it.The cost of the collision car insurance
is determined by the value of your car, or how much it would
cost you to make a replacement if it were totaled in an
accident. Add the deductibles to cost of the collision insurance
for the car. If it exceeds the market value of the care,
collsion insurance is a waste of your money because you will be
paying out more than you can ever collect if you have an
accident that totals your car. If the deductible and collision
insurance combined are less than the value of your car, then
collision insurance makes sense. As the age of your car
increases, the cost to replace it goes down, so before renewing
your policy every year, make a assessment whether or not it
makes sense to keep the collision insurance.
Comprehensive Insurance
Comprehensive Insurance Coverage Covers your vehicle, and
sometimes other vehicles you maybe driving for losses resulting
from incidents other than collision. For example, comprehensive
insurance covers damage to your car if it is stolen; or damaged
by flood, fire, or animals, falling objects, explosions,
earthquakes, riots and civil commotions or even if your car is
overturned during a natural disaster. It pays to fix your
vehicle less the deductible you choose. To keep your premiums
low, select as high a deductible as you feel comfortable paying
out of pocket. Coverage is limited to the terms and conditions
contained in the policy.
Compressive coverage is normally not compulsory in most
countries. How much you carry is up to you and should never
insure your car for more than its actual cash or market value.
Damages not associated with accidents can still be rather
expensive, and so it is advantageous to include comprehensive
car insurance coverage on your car insurance policy.
Medical Expenses Insurance
Medical Expenses Insurance covers medical expenses to you and
your passengers injured in an accident. There may also be
coverage if as a pedestrian a vehicle injures you. Coverage is
limited to the terms and conditions contained in the policy. It
pays the medical bills, disability,lost in wages, even the costs
for furnetal. It Does NOT matter who is at fault, and covers
you, your family members and passengers in you car.
Coverage for Uninsured Motorists
This coverage pays for injuries to you and your passengers in
you car if you are involved in an accident, and that party does
not have insurance. You will be covered if you got clobbered by
a hit-and-run driver.Normal this type of car insurance coverage
is mandatory. Uninsured motorist's coverage increases the payout
to make sure you get the protection you need.
About the author:
RGann is an independent writer and marketer online. Ther are
more ways to save money on car insurance. If you found this
article useful you can learn a lot more about car insurance tips
and resources by visiting http://at-car-insurance.com
Saturday, March 17, 2007
Finding Cheap Auto Insurance In California
by Levi Quinn
The state of California is known for its high prices. The cost
of living in general is much higher than the cost of living in
many other locations. California also requires relatively high
levels of auto insurance coverage to be carried, resulting in
extremely high insurance premiums. While car insurance rates
will always be higher in California than in many other areas, a
bit of persistence can result in a significant savings.
If you are looking for car insurance in California, be sure to
look for and follow general money-saving suggestions on the
internet and in consumer magazines. Be sure to shop around
carefully as well, as insurance rates may vary immensely from
one provider to the next. California insurance companies are
permitted to charge based on how much they have paid out in
general. Therefore, you may find yourself penalized for someone
else's accidents.
Make sure that you are aware of the current California state
minimum requirements for insurance coverage levels. Many
companies have their own in-house minimums which may be much
higher. If you are insuring an old low-value car, you may not
need insurance beyond the state requirements, so insist that the
company give you this quote. Additional coverage may be
necessary depending on your financial resources and whether your
car is financed.
Discounts are available for groups ranging from retirees to full
time students. The best bonuses go to Safe Drivers. Maintaining
a clean driving record is the number one thing that you can do
to keep your rates as low as possible. Ask your insurance agent
whether you qualify for any additional bonuses. Buy your
insurance online. Companies such as esurance.com offer
comparison shopping between many different policies. Their rates
are often lower because there is no middleman insurance agent
drawing a commission. Be sure that you are comparing identical
plans in terms of deductible, coverage and added insurance
products.
If you have the financial resources, consider raising your
deductible. Good drivers who are unlikely to have an accident
can save significantly on their monthly payments simply by
raising their deductibles. Just keep in mind that you will need
to be able to afford the deductible if something does happen.
Remember that cars are classified into groups, and certain
groups are more expensive to insure. Your driving record will
also play a part. Young drivers will pay more to insure sports
cars than other types of cars and more to insure sports cars
than will older drivers with good records. Check into insurance
rates for a car you are considering.
While car insurance rates remain high in California and truly
cheap car insurance may not exist, it is possible to find
insurance that is not outlandishly expensive. Shop around, look
for discounts, raise your deductible and drop unneeded
coverages. In this way you can find insurance that will cover
your needs without breaking your monthly budget.
About the author:
Shop for the best rates on local car insurance, such as
Atlanta Auto Insurance, at
AutoInsuranceRatesDirect.com.
The state of California is known for its high prices. The cost
of living in general is much higher than the cost of living in
many other locations. California also requires relatively high
levels of auto insurance coverage to be carried, resulting in
extremely high insurance premiums. While car insurance rates
will always be higher in California than in many other areas, a
bit of persistence can result in a significant savings.
If you are looking for car insurance in California, be sure to
look for and follow general money-saving suggestions on the
internet and in consumer magazines. Be sure to shop around
carefully as well, as insurance rates may vary immensely from
one provider to the next. California insurance companies are
permitted to charge based on how much they have paid out in
general. Therefore, you may find yourself penalized for someone
else's accidents.
Make sure that you are aware of the current California state
minimum requirements for insurance coverage levels. Many
companies have their own in-house minimums which may be much
higher. If you are insuring an old low-value car, you may not
need insurance beyond the state requirements, so insist that the
company give you this quote. Additional coverage may be
necessary depending on your financial resources and whether your
car is financed.
Discounts are available for groups ranging from retirees to full
time students. The best bonuses go to Safe Drivers. Maintaining
a clean driving record is the number one thing that you can do
to keep your rates as low as possible. Ask your insurance agent
whether you qualify for any additional bonuses. Buy your
insurance online. Companies such as esurance.com offer
comparison shopping between many different policies. Their rates
are often lower because there is no middleman insurance agent
drawing a commission. Be sure that you are comparing identical
plans in terms of deductible, coverage and added insurance
products.
If you have the financial resources, consider raising your
deductible. Good drivers who are unlikely to have an accident
can save significantly on their monthly payments simply by
raising their deductibles. Just keep in mind that you will need
to be able to afford the deductible if something does happen.
Remember that cars are classified into groups, and certain
groups are more expensive to insure. Your driving record will
also play a part. Young drivers will pay more to insure sports
cars than other types of cars and more to insure sports cars
than will older drivers with good records. Check into insurance
rates for a car you are considering.
While car insurance rates remain high in California and truly
cheap car insurance may not exist, it is possible to find
insurance that is not outlandishly expensive. Shop around, look
for discounts, raise your deductible and drop unneeded
coverages. In this way you can find insurance that will cover
your needs without breaking your monthly budget.
About the author:
Shop for the best rates on local car insurance, such as
Atlanta Auto Insurance, at
AutoInsuranceRatesDirect.com.
Friday, March 16, 2007
Book Review - Info on Automobile Insurance
by Angela Watkins
She says to shop around for auto insurance discounts. She shares
tips on insuring young drivers.
Your momma said you should drive the speed limit,and insurance
companies agree. Each ticket and each accident add surcharge
points and additional premiums to the cost of a policy. Go for
the higher deductions on comprehensive and collision in order to
insure big accidents, not fender benders.
Secure estimates from at least three major companies before
purchasing automobile insurance. Some vehicles are far more
expensive to insure than others, so check with an insurance
agent before buying a car.
Some companies offer discounts to nonsmokers and or
non-drinkers. Certain professions, such as the military, are
sometimes given special discounts.
Carefully consider when a teenager gets his drivers licensce.
Once they have a licensce, even if they don't have a car to
drive, they'll have to be listed some where on the policy.
The best option is to put a teenager as the prinicipal driver on
an older vehicle.
I reviewed this book in 2005.
The author of this book was a successful insurance broker who
never used a coupon. She is known as America's Financial Expert.
She speaks to live audiences of 6,000 people or more.
She has appeared on 100's of TV and radio programs including
CNN, Fox News Channel, CNBC's Power Lunch, the international
radio show, Money Matters,and Simplify Your Life, a reality TV
series for the Fine Living Network.
Ellie Kay is the author of The Debt Diet.
About the author:
Writer, Web Publishing, Book Reviewer, Freelancer, Christian
Freelancer http://www.writers.net/writers/21422
She says to shop around for auto insurance discounts. She shares
tips on insuring young drivers.
Your momma said you should drive the speed limit,and insurance
companies agree. Each ticket and each accident add surcharge
points and additional premiums to the cost of a policy. Go for
the higher deductions on comprehensive and collision in order to
insure big accidents, not fender benders.
Secure estimates from at least three major companies before
purchasing automobile insurance. Some vehicles are far more
expensive to insure than others, so check with an insurance
agent before buying a car.
Some companies offer discounts to nonsmokers and or
non-drinkers. Certain professions, such as the military, are
sometimes given special discounts.
Carefully consider when a teenager gets his drivers licensce.
Once they have a licensce, even if they don't have a car to
drive, they'll have to be listed some where on the policy.
The best option is to put a teenager as the prinicipal driver on
an older vehicle.
I reviewed this book in 2005.
The author of this book was a successful insurance broker who
never used a coupon. She is known as America's Financial Expert.
She speaks to live audiences of 6,000 people or more.
She has appeared on 100's of TV and radio programs including
CNN, Fox News Channel, CNBC's Power Lunch, the international
radio show, Money Matters,and Simplify Your Life, a reality TV
series for the Fine Living Network.
Ellie Kay is the author of The Debt Diet.
About the author:
Writer, Web Publishing, Book Reviewer, Freelancer, Christian
Freelancer http://www.writers.net/writers/21422
Wednesday, March 14, 2007
10 Ways To Secondary Your Auto Insurance
by mrlee
10 Ways To Lower Your Auto Indemnification
10 Ways To Lower Your Auto Insurance by: mrlee Nowadays, auto
guarantee is really invaluable. A commonplace insurance policy
can cost a few hundred dollars to a few billion iron mans a
year. And the insurance rates you pay are greatly dependent on
the insurance clan or agent, your age, your car type, your
driving record, and even the area you reside in!
You should never go without auto safeguard though, despite the
costs. Not quite all the states require you to protect yourself
with a minimum amount of claim coverage. Easily, the bare
minimum is not adequate sufficient for the average car owner.
And as you add in additional coverage for your car, you
comprehend that you will be paying a some large sum annually.
So, understanding auto insurance can very help you to decide on
a suitable insurance policy that won't vacuum clean your wallet!
Here, we have aggregate 10 of the best tips for lowering your
auto safeguard, by as much as 40
Always compare insurance policies. There are elements which
regulate auto insurance rates, but the insurance premiums can
vary by hundreds of bucks for the explicit same coverage. It is
easily worthwhile to shop around. The first material you can do
is to check with your state insurance department. They often
provide instruction about the coverage you need, as well as
sample rates from the biggest companies. You can also ask your
friends or look up the yellow pages. Checking purchaser guides
and asking insurance agents can pay off as well. You can easily
find out the tariff compass for your insurance policy, as well
as discover the lowest prices in town.
However, you should not be shopping based on price along. The
insurance group should provide good service at the best price.
Excellent personal service is available as well, and they
provide toted conveniences, although they cost a fair bit more.
Ask the company how you can lower your costs, and also check
their financial ratings. The rule of maul is repeatedly to get
three price quotes from three variant firms, and pick the one
with the best value.
It can also be a good idea to increase your deductibles. When
you file a claim, the deductible is the amount you pay before
the insurance company pays for the rest of the pollution. A
higher deductible on swipe and extensive coverage can lead to a
much bush league premium. For example, increasing your
deductible from $200 to $400 can reduce your premiums by up to
25เHowever, you must lock on that you have the financial
mattress full to handle the largest deductible when the time
draw nears.
Remove certain types of coverage from your policy. Almost all
the states require liability coverage for your car, but the rest
of the coverage is practicably expendable. However, you do not
want to be underinsured if you're in an accident, so it isn't
advisable to remove all of your additional coverage. Optional
coverage has medical payments, uninsured motorist, collision,
and comprising coverage.
Drop collision and synoptic coverage for older cars. If you
drive an older car that's worth less than $2,000, it's probably
more cost-direct to drop bell ringer and comprising coverage
since you'll probably pay more for the coverage than you'll
group for a claim. You can find out the worth of your car by
asking auto dealers and banks.
Make sure your credit report looks good. Car insurance
syndicates repeatedly look at your credit history as there is a
correlation between the risk to the retinue and your credit
yesteryear. If you pay your chits on time and maintain a good
strokes history, you can enjoy lower provision rates.
Joyride less. Cover companies often offer low-mileage discounts
to motorists who pickup less than a foreordained number of
removed each year. You can use public transportation more often,
car-pool with friends, and take the train or a plane instead of
energetic to addition state. And you'll save on more than your
coverage as you'll need to cough up less on gasoline (of which
prices are incredibly high).
Prolong a clean driving record. The zoo will give you a price
cleft and you can save on your insurance policy after a
specified period of a clean driving record. This means that you
have no accidents, no unhumorous driving violations etc, until
this period of time. The simplest and surefire way to qualify
for this discount is to drive carefully and defensively all the
time.
Choose a low-shadow car. Cover rates vary surrounded by
difference models of shipment. Generally, sports cars and
high-performance cars tend to cost more to insure, mainly
because they represent more risk of theft and the drivers are
often the people who drive more impetuously. Newer cars will
cost more to reconstruction or replace than older ones, so
naturally they can more to insure. Low-risk vehicles contain
station wagons and sedans.
Ask about safety and custody discounts. The insurance companies
intermittently attempt rollbacks on your insurance if your car
is equipped with the following: anti-lock non-skid brake, air
bags, self-moving seat belts, car startles, tracking structures.
These reduce the injury risk to you, as well as the chances of
your car being vandalized or disreputable.
Finally, ask about other discounts. You may apprehend a discount
if you buy more than one type of provision from the same company
or if you insure multiple cars pressed down the same management
or company. You may also get discounts for taking a defensive
driving channels, stoping with the same company for a few years,
being a guide over 50, good-student deducts, and journey an AAA
member. If you by now have fit health insurance, you can also
eliminate paying for duplicate medical coverage, thus lowering
your private injury protection costs by a substantial amount.
About the author:
mrlee postsforfree.com
About the author:
mrlee wsammie@aol.com http://postsforfree.com
10 Ways To Lower Your Auto Indemnification
10 Ways To Lower Your Auto Insurance by: mrlee Nowadays, auto
guarantee is really invaluable. A commonplace insurance policy
can cost a few hundred dollars to a few billion iron mans a
year. And the insurance rates you pay are greatly dependent on
the insurance clan or agent, your age, your car type, your
driving record, and even the area you reside in!
You should never go without auto safeguard though, despite the
costs. Not quite all the states require you to protect yourself
with a minimum amount of claim coverage. Easily, the bare
minimum is not adequate sufficient for the average car owner.
And as you add in additional coverage for your car, you
comprehend that you will be paying a some large sum annually.
So, understanding auto insurance can very help you to decide on
a suitable insurance policy that won't vacuum clean your wallet!
Here, we have aggregate 10 of the best tips for lowering your
auto safeguard, by as much as 40
Always compare insurance policies. There are elements which
regulate auto insurance rates, but the insurance premiums can
vary by hundreds of bucks for the explicit same coverage. It is
easily worthwhile to shop around. The first material you can do
is to check with your state insurance department. They often
provide instruction about the coverage you need, as well as
sample rates from the biggest companies. You can also ask your
friends or look up the yellow pages. Checking purchaser guides
and asking insurance agents can pay off as well. You can easily
find out the tariff compass for your insurance policy, as well
as discover the lowest prices in town.
However, you should not be shopping based on price along. The
insurance group should provide good service at the best price.
Excellent personal service is available as well, and they
provide toted conveniences, although they cost a fair bit more.
Ask the company how you can lower your costs, and also check
their financial ratings. The rule of maul is repeatedly to get
three price quotes from three variant firms, and pick the one
with the best value.
It can also be a good idea to increase your deductibles. When
you file a claim, the deductible is the amount you pay before
the insurance company pays for the rest of the pollution. A
higher deductible on swipe and extensive coverage can lead to a
much bush league premium. For example, increasing your
deductible from $200 to $400 can reduce your premiums by up to
25เHowever, you must lock on that you have the financial
mattress full to handle the largest deductible when the time
draw nears.
Remove certain types of coverage from your policy. Almost all
the states require liability coverage for your car, but the rest
of the coverage is practicably expendable. However, you do not
want to be underinsured if you're in an accident, so it isn't
advisable to remove all of your additional coverage. Optional
coverage has medical payments, uninsured motorist, collision,
and comprising coverage.
Drop collision and synoptic coverage for older cars. If you
drive an older car that's worth less than $2,000, it's probably
more cost-direct to drop bell ringer and comprising coverage
since you'll probably pay more for the coverage than you'll
group for a claim. You can find out the worth of your car by
asking auto dealers and banks.
Make sure your credit report looks good. Car insurance
syndicates repeatedly look at your credit history as there is a
correlation between the risk to the retinue and your credit
yesteryear. If you pay your chits on time and maintain a good
strokes history, you can enjoy lower provision rates.
Joyride less. Cover companies often offer low-mileage discounts
to motorists who pickup less than a foreordained number of
removed each year. You can use public transportation more often,
car-pool with friends, and take the train or a plane instead of
energetic to addition state. And you'll save on more than your
coverage as you'll need to cough up less on gasoline (of which
prices are incredibly high).
Prolong a clean driving record. The zoo will give you a price
cleft and you can save on your insurance policy after a
specified period of a clean driving record. This means that you
have no accidents, no unhumorous driving violations etc, until
this period of time. The simplest and surefire way to qualify
for this discount is to drive carefully and defensively all the
time.
Choose a low-shadow car. Cover rates vary surrounded by
difference models of shipment. Generally, sports cars and
high-performance cars tend to cost more to insure, mainly
because they represent more risk of theft and the drivers are
often the people who drive more impetuously. Newer cars will
cost more to reconstruction or replace than older ones, so
naturally they can more to insure. Low-risk vehicles contain
station wagons and sedans.
Ask about safety and custody discounts. The insurance companies
intermittently attempt rollbacks on your insurance if your car
is equipped with the following: anti-lock non-skid brake, air
bags, self-moving seat belts, car startles, tracking structures.
These reduce the injury risk to you, as well as the chances of
your car being vandalized or disreputable.
Finally, ask about other discounts. You may apprehend a discount
if you buy more than one type of provision from the same company
or if you insure multiple cars pressed down the same management
or company. You may also get discounts for taking a defensive
driving channels, stoping with the same company for a few years,
being a guide over 50, good-student deducts, and journey an AAA
member. If you by now have fit health insurance, you can also
eliminate paying for duplicate medical coverage, thus lowering
your private injury protection costs by a substantial amount.
About the author:
mrlee postsforfree.com
About the author:
mrlee wsammie@aol.com http://postsforfree.com
Sunday, March 11, 2007
Buying a New Car? Pick the Safest and Save on Car Insurance
by Dean Larson
If you're going to be purchasing a new car in the near future,
you may want to think about how the car is going to affect your
car insurance rates. Believe it or not, the car you choose will
definitely affect how low or high your car insurance rates will
be, but you can choose a safer car to ensure that you get low
rate car insurance that is affordable. The following are some of
the safest cars that you can buy and purchasing a safer vehicle
will result in great savings on your car insurance.
Volkswagen Passat - In 2006, the number one rated family sedan
for safety was the Volkswagen Passat GLX, which has a V6 engine.
This car provided excellent safety features designed by
Volkswagen and tested out to be the safest car in the family
sedan category. If you want a nice family car that is fairly
inexpensive and also very safe for your family, this is a great
choice!
Toyota Camry - Still in the class of family sedans, the Toyota
Camry came in second place in 2006, right behind the Volkswagen
Passat. The Camry is a bit cheaper than the Passat, and also
comes with great safety features that make it one of the best
choices if you want a car that is safe for your family.
Volkswagen Golf - If you are looking for a smaller car, but you
still want great safety, you may want to consider the Volkswagen
Golf as your next choice. In smaller cars, the Golf won the
number one spot for safety with the great safety features
offered by the Volkswagen automaker.
Honda Civic EX - Another smaller car that was high on the safety
list, scoring number two, is the Honda Civic EX. Once again,
this car is a bit more cost friendly than the Volkswagen Golf,
and it still comes with excellent safety features that will keep
you safe and help you get lower car insurance rates. If you are
purchasing a car on a budget but want to make sure it has great
safety features as well, then this car is an excellent buy.
Honda CR-V - If you are looking for a small SUV with a great
safety rating, you may want to consider purchasing the Honda
CR-V. While usually you will pay more to insure a SUV, the Honda
CR-V provides safety features and a great safety rating that
will help you save.
Toyota Highlander - If you want a larger SUV but you want to
make sure the vehicle is safe, the Toyota highlander is a great
choice. The Highlander is one of the cheaper SUV's available and
comes with a great safety rating that will have you driving with
confidence.
When you're going to purchase a new car, you want to look at the
cost of the car, but you also want to check out how much it will
cost to insure your car as well. Picking a car that has a high
safety rating and great safety features can save you a great
deal of money on car insurance rates each year. Take control of
your car insurance rates and purchase a vehicle that will keep
you safe and help you find low rate car insurance.
About the author:
To learn more about how you can save money and greatly reduce
your car insurance rates, please visit
car-insurance-rates-info.com. We offer unbiased information on
the best ways to get low rate car insurance, do company
comparisons, get car insurance discounts and more.
If you're going to be purchasing a new car in the near future,
you may want to think about how the car is going to affect your
car insurance rates. Believe it or not, the car you choose will
definitely affect how low or high your car insurance rates will
be, but you can choose a safer car to ensure that you get low
rate car insurance that is affordable. The following are some of
the safest cars that you can buy and purchasing a safer vehicle
will result in great savings on your car insurance.
Volkswagen Passat - In 2006, the number one rated family sedan
for safety was the Volkswagen Passat GLX, which has a V6 engine.
This car provided excellent safety features designed by
Volkswagen and tested out to be the safest car in the family
sedan category. If you want a nice family car that is fairly
inexpensive and also very safe for your family, this is a great
choice!
Toyota Camry - Still in the class of family sedans, the Toyota
Camry came in second place in 2006, right behind the Volkswagen
Passat. The Camry is a bit cheaper than the Passat, and also
comes with great safety features that make it one of the best
choices if you want a car that is safe for your family.
Volkswagen Golf - If you are looking for a smaller car, but you
still want great safety, you may want to consider the Volkswagen
Golf as your next choice. In smaller cars, the Golf won the
number one spot for safety with the great safety features
offered by the Volkswagen automaker.
Honda Civic EX - Another smaller car that was high on the safety
list, scoring number two, is the Honda Civic EX. Once again,
this car is a bit more cost friendly than the Volkswagen Golf,
and it still comes with excellent safety features that will keep
you safe and help you get lower car insurance rates. If you are
purchasing a car on a budget but want to make sure it has great
safety features as well, then this car is an excellent buy.
Honda CR-V - If you are looking for a small SUV with a great
safety rating, you may want to consider purchasing the Honda
CR-V. While usually you will pay more to insure a SUV, the Honda
CR-V provides safety features and a great safety rating that
will help you save.
Toyota Highlander - If you want a larger SUV but you want to
make sure the vehicle is safe, the Toyota highlander is a great
choice. The Highlander is one of the cheaper SUV's available and
comes with a great safety rating that will have you driving with
confidence.
When you're going to purchase a new car, you want to look at the
cost of the car, but you also want to check out how much it will
cost to insure your car as well. Picking a car that has a high
safety rating and great safety features can save you a great
deal of money on car insurance rates each year. Take control of
your car insurance rates and purchase a vehicle that will keep
you safe and help you find low rate car insurance.
About the author:
To learn more about how you can save money and greatly reduce
your car insurance rates, please visit
car-insurance-rates-info.com. We offer unbiased information on
the best ways to get low rate car insurance, do company
comparisons, get car insurance discounts and more.
Saturday, March 10, 2007
What Does a Car Insurance Policy Covers?
by RGann
Liability to bodily injuries Liability to property damages
Collision Insurance Comprehensive Insurance Medical Expenses
Insurance Coverage for uninsured motorists
It is important for you to understand what all these do for you
when you get a car insurance policy. Each of these details
covers different areas. Normally they are lumped together in a
car insurance policy. But you can always separate them. If you
do look for a car insurance policy, it is good to make sure you
get it in any combination you want, but make sure to get it from
the same company; to avoid any complications later, when and
where as claims are involved.
In general car insurance falls in two categories. Namely,
property coverage for damages to your car, and liability
coverage to others' vehicles and properties involved. They type
and level of liability car insurance you have to be insured is
subjected to regulations imposed by the area authority you are
in. Requirements varies from areas you
are in, but it always wise to insure more that the minimum
required, so as to protect you sufficiently.
To get the best deal on the car insurance you will need you
should get familiar with all the options available in the
coverage. Determine your local authority's requirements, and
then specifies what is needed for you. Decide on the type of
deductibles you need and the premiums you are willing to pay.
Check with the car insurance company or the agent you approached
for
discounts you may have or entitled due to your good driving
record (sometime termed as "no claim bonused"). Go about asking
for quotes
from differennt car insurance companies and talk to as many
agents as possible.
Rgann is an independent writer and marketer online. Ther are
more ways to save money on car insurance. If you found this
article useful you can learn a lot more about car insurance tips
and resources by visiting http://at-car-insurance.com
About the author:
Rgann is an independent writer and marketer online. Ther are
more ways to save money on car insurance. If you found this
article useful you can learn a lot more about car insurance tips
and resources by visiting http://at-car-insurance.com
Liability to bodily injuries Liability to property damages
Collision Insurance Comprehensive Insurance Medical Expenses
Insurance Coverage for uninsured motorists
It is important for you to understand what all these do for you
when you get a car insurance policy. Each of these details
covers different areas. Normally they are lumped together in a
car insurance policy. But you can always separate them. If you
do look for a car insurance policy, it is good to make sure you
get it in any combination you want, but make sure to get it from
the same company; to avoid any complications later, when and
where as claims are involved.
In general car insurance falls in two categories. Namely,
property coverage for damages to your car, and liability
coverage to others' vehicles and properties involved. They type
and level of liability car insurance you have to be insured is
subjected to regulations imposed by the area authority you are
in. Requirements varies from areas you
are in, but it always wise to insure more that the minimum
required, so as to protect you sufficiently.
To get the best deal on the car insurance you will need you
should get familiar with all the options available in the
coverage. Determine your local authority's requirements, and
then specifies what is needed for you. Decide on the type of
deductibles you need and the premiums you are willing to pay.
Check with the car insurance company or the agent you approached
for
discounts you may have or entitled due to your good driving
record (sometime termed as "no claim bonused"). Go about asking
for quotes
from differennt car insurance companies and talk to as many
agents as possible.
Rgann is an independent writer and marketer online. Ther are
more ways to save money on car insurance. If you found this
article useful you can learn a lot more about car insurance tips
and resources by visiting http://at-car-insurance.com
About the author:
Rgann is an independent writer and marketer online. Ther are
more ways to save money on car insurance. If you found this
article useful you can learn a lot more about car insurance tips
and resources by visiting http://at-car-insurance.com
Auto Insurance Policy, Coverage and Cost Disparities--What You Must Know Before Buying!
by Mike Boerner, in4m8ion.com
Auto Insurance Policy, Coverage and Cost Disparities--What You
Must Know Before Buying!
By Mike Boerner
There can be vast differences among auto insurance quotes and
auto insurance policies currently offered in the marketplace.
Use of your favorite search engine with the terms "auto" and
"insurance" quickly provides a plethora of coverages, coverage
levels, rates, options, payment terms, insurance companies, and
geographic availability, just for starters. With virtually
limitless choices, how does one select a suitable policy?
First, remember what you are buying: risk coverage, pure and
simple. You want this coverage to pay for any damages, bodily
injury, medical care, or loss of life, for which you are found
liable. Sounds pretty serious, doesn't it? It is. Not only is it
important to insure against the full range of risks under which
you will operate your vehicle, it is of the utmost importance
that you be indemnified (protected) against those risks by a
company with the resources to do so. While those resources
include the obvious financial ones, they also include customer
service, and good will within the industry. An insurance company
customer service function that is efficient, conscientious, and
courteous can prevent a lot of distasteful complications.
Similarly, good insurance company relations within the
fraternity of auto insurers may greatly facilitate handling of
your claim, or the claim of the damaged party. Basically, a
lawsuit avoided is a win for all concerned parties. With risk
coverage established as the primary consideration, all others,
including cost, take a back seat. Nevertheless, no matter what
selection process you utilize, keep in mind the following
factors:
1. Buy only the insurance coverage you need, and cannot
self-insure. If you're driving a $2500 vehicle, and Collision
coverage (which covers the cost of repairing YOUR car) costs
$3000 per year, it should be obvious that you can self-insure
total loss of your vehicle, and do so at a profit. It should
also be obvious that any automobile in motion, regardless of
cost, is capable of inflicting approximately the same amount of
property damage, bodily injury, or death, and that these
Liability coverages are necessities for all but the super-rich
and the penniless. Many other coverage options allow you to
customize your policy based on your aversion to specific risks
and the premiums quoted to relieve you of those risks. Among the
many factors that influence the amount of your premium, the
coverage deductible, which you specify, offers the greatest
opportunity for overall premium savings. These savings aren't
free, of course, as you are assuming the risk of covering the
cost of the deductible should a mishap come your way, in
exchange for a lowered premium.
2. Buy only from a reputable insurance company. These companies:
- are generally corporations of, and hold corporate assets in,
your country of residence, and are subject to local and national
laws and court decisions; - are registered with your state
insurance commission (website URLs can be found at
http://www.naic.org/state_web_map.htm) - are licensed to do
business in your state; - compare favorably against their peers
in the A.M. Best (http://www.ambest.com) Ratings for qualities
such as: - financial stability; - customer service; and, -
claims handling.
3. Get the best price you can for the coverage you need. While
this sounds like an endless process, it is self-limiting when
restricted to obtaining an auto insurance quote from reputable
insurance companies. Three auto insurance quotes should suffice,
but get as many as you need to exhaust a given level of
insurance company quality: if there are six top-rated firms, get
six quotes, for the same coverage needs, in order to ease your
selection. Since no two companies have the same customers,
workforce, or business base, no two companies have the same
experience (profit and loss) base, and therefore, no two
companies will have the same cost history on which to predicate
(future) premiums. Although companies must compete with their
peers in the marketplace, a number of considerations (such as
whether a company made a profit or incurred a loss, consumed or
accumulated reserves, or added or lost policyholders)
necessitate obtaining multiple rate quotes. While many people
have reported substantial savings purchasing auto insurance
online, it is critical that you purchase your insurance from a
reputable insurance company. Remember, you're buying risk
coverage here. Don't buy without checking the rating of your
intended risk coverage partner.
4. Don't invalidate your coverage by being less than completely
candid during the application process. The quote an insurance
company gives you is based on rating a number of factors
concerning you and your driving habits. This includes your
driving record; number of tickets; age; sex; marital status;
location; daily and yearly mileage; vehicle use (business or
pleasure); make, model, year, engine/hp; number of operators;
number of vehicles, etc. Your driving record is public
information readily available to your insurance company. You
provide most, if not all, of the other rating factors. Doing so
with less than complete candor is almost certainly not in your
best interest. Most reputable insurance companies validate the
information you provide. Those that don't are not what you want
in terms of a risk partner. Among the options available to
companies that have unknowingly issued policies based on
falsified information are correcting (raising) your rates or
cancelling your policy, upon discovery of falsified information.
Once again, remember that you're buying risk coverage here. You
don't want to find out that your risk coverage partner has
dropped you because of falsified application information AFTER
you've had an accident or are involved in a lawsuit. This
situation may be a rarity, but if you were the insurance
company, and were being sued for millions in damages caused by a
policyholder who materially mis-stated the factual basis on
which your risk coverage contract was based, how hard would you
try to invalidate the policy? Enough said.
5. Consider limited field of membership, and group affiliated
policies. Due to the narrow slice of the risk pie that such
policies cater to, rates may be substantially better than those
available to the general public. Since this type of policy
focuses on the lowest risk groups, it invariably raises rates
for all other motorists, since the low-risk policyholders are
removed from the general risk pool. If you fall into the field
of membership for any of these policies or companies, be sure to
compare their costs with your other quotes. Companies offering
highly advantageous policies for preferred risk drivers include
USAA (for US military members, retirees, spouses, veterans, and
their children); GEICO (for government employees); and most
major insurers in association with many fraternal and
professional organizations.
6. Investigate "bundling" your insurance coverage needs. Some
insurers offer discounts, favorable payment plans, or improved
coverage for such things as multiple vehicles, multiple drivers,
homeowners insurance, renters insurance, and life insurance
policies purchased by the same policy holder. Get quotes.
7. Take advantage of all of your positive policy rating factors.
These merit reduced rates for: High-Credit-Rating Applicants;
Good Students; Anti-Theft Car Alarms; Anti-Skid Braking Systems;
LoJack or similar systems; Electronic Stability Protection;
Multiple Vehicles; Multiple Drivers; and, Safe Driver Discounts,
for example.
Time to Shop
With the foregoing factors in mind, you are now ready to
quote-shop, via the internet. Www.insurance.com, or similar
sites, are excellent starting points to obtain multiple quotes
or more detailed information concerning policies and coverages
over the internet. Companies such as Geico, Allstate, Hartford,
State Farm, Progressive, Liberty Mutual, USAA, INA, Nationwide,
Travelers, and most other large companies maintain an online
internet presence, with quote capability. The advantage of using
a multiple quote site is that the application information, which
is as extensive as necessary for an accurate quote, need only be
completed once, vastly reducing the time required to get the
quote process started. Once you've got some baseline quotes,
you'll find the company-specific sites very easy to navigate,
especially if you've printed out the input data you used to get
your multiple quotes. Remember, you're looking for
"apples-to-apples" quote comparisons from reputable, well-rated
insurers. Using the internet, you'll avoid the ubiquitous
automated call menus; being placed on terminal hold while
waiting to speak to an agent; driving half way across town to
get rates then repeating the process until you're either
satisfied or exhausted. It's so much easier to identify the
reputable, highly-rated insurers; mouse-click your way to one or
two multiple-quote sites; fill in the input data, keeping a copy
for later use; compare cost, features and qualities of the top
insurers; and, make your selection.
A Final Warning!
We cautioned earlier concerning the absolute necessity of
dealing with an insurance company that is reputable and
well-rated among its peers. While the internet offers the
possibility of substantially reducing your premium costs, it
also brings into your field of view unscrupulous insurers that
pay few claims, use stalling tactics, or worse, while offering
coverage at premiums well below most of the quotes you obtain.
Living through one claim with one of these insurers will
convince you of the wisdom of buying from a reputable,
highly-rated insurer, despite any advertised savings from lesser
companies. Unrealized savings, coupled with unpaid claims,
relieve you of your premium dollars and leave you basically
self-insured, at risk for whatever damages the insurer avoids,
escapes, or evades. You'll find it far better to reduce your
premium through the many other means mentioned here, than to
stint on the quality of the company you pick to assume your
risk. As the headline above advises, all auto insurance policies
and companies are not created equal. Having thus far tried to
hammer the concept home, one last repetition seems in order: buy
from a reputable, highly-rated insurer, reducing your premiums
through the many means presented herein, and sleep soundly,
knowing your risk-partner's got your back!
Mike Boerner has served aerospace, finance, automotive, and
government clients for over 28 years as a business process
consultant and freelance writer on both professional and
personal issues, offering information, advice, and decision
support. This article may be freely used so long as the by-line
and the writer's resource box in which this notice appears is an
integral part.
To explore other articles of interest, please visit the site at
http://in4m8ion.com
About the author:
Mike Boerner has served aerospace, finance, automotive, and
government clients for over 28 years as a business process
consultant and freelance writer on both professional and
personal issues, offering information, advice, and decision
support. See http://in4m8ion.com for more articles/categories.
Auto Insurance Policy, Coverage and Cost Disparities--What You
Must Know Before Buying!
By Mike Boerner
There can be vast differences among auto insurance quotes and
auto insurance policies currently offered in the marketplace.
Use of your favorite search engine with the terms "auto" and
"insurance" quickly provides a plethora of coverages, coverage
levels, rates, options, payment terms, insurance companies, and
geographic availability, just for starters. With virtually
limitless choices, how does one select a suitable policy?
First, remember what you are buying: risk coverage, pure and
simple. You want this coverage to pay for any damages, bodily
injury, medical care, or loss of life, for which you are found
liable. Sounds pretty serious, doesn't it? It is. Not only is it
important to insure against the full range of risks under which
you will operate your vehicle, it is of the utmost importance
that you be indemnified (protected) against those risks by a
company with the resources to do so. While those resources
include the obvious financial ones, they also include customer
service, and good will within the industry. An insurance company
customer service function that is efficient, conscientious, and
courteous can prevent a lot of distasteful complications.
Similarly, good insurance company relations within the
fraternity of auto insurers may greatly facilitate handling of
your claim, or the claim of the damaged party. Basically, a
lawsuit avoided is a win for all concerned parties. With risk
coverage established as the primary consideration, all others,
including cost, take a back seat. Nevertheless, no matter what
selection process you utilize, keep in mind the following
factors:
1. Buy only the insurance coverage you need, and cannot
self-insure. If you're driving a $2500 vehicle, and Collision
coverage (which covers the cost of repairing YOUR car) costs
$3000 per year, it should be obvious that you can self-insure
total loss of your vehicle, and do so at a profit. It should
also be obvious that any automobile in motion, regardless of
cost, is capable of inflicting approximately the same amount of
property damage, bodily injury, or death, and that these
Liability coverages are necessities for all but the super-rich
and the penniless. Many other coverage options allow you to
customize your policy based on your aversion to specific risks
and the premiums quoted to relieve you of those risks. Among the
many factors that influence the amount of your premium, the
coverage deductible, which you specify, offers the greatest
opportunity for overall premium savings. These savings aren't
free, of course, as you are assuming the risk of covering the
cost of the deductible should a mishap come your way, in
exchange for a lowered premium.
2. Buy only from a reputable insurance company. These companies:
- are generally corporations of, and hold corporate assets in,
your country of residence, and are subject to local and national
laws and court decisions; - are registered with your state
insurance commission (website URLs can be found at
http://www.naic.org/state_web_map.htm) - are licensed to do
business in your state; - compare favorably against their peers
in the A.M. Best (http://www.ambest.com) Ratings for qualities
such as: - financial stability; - customer service; and, -
claims handling.
3. Get the best price you can for the coverage you need. While
this sounds like an endless process, it is self-limiting when
restricted to obtaining an auto insurance quote from reputable
insurance companies. Three auto insurance quotes should suffice,
but get as many as you need to exhaust a given level of
insurance company quality: if there are six top-rated firms, get
six quotes, for the same coverage needs, in order to ease your
selection. Since no two companies have the same customers,
workforce, or business base, no two companies have the same
experience (profit and loss) base, and therefore, no two
companies will have the same cost history on which to predicate
(future) premiums. Although companies must compete with their
peers in the marketplace, a number of considerations (such as
whether a company made a profit or incurred a loss, consumed or
accumulated reserves, or added or lost policyholders)
necessitate obtaining multiple rate quotes. While many people
have reported substantial savings purchasing auto insurance
online, it is critical that you purchase your insurance from a
reputable insurance company. Remember, you're buying risk
coverage here. Don't buy without checking the rating of your
intended risk coverage partner.
4. Don't invalidate your coverage by being less than completely
candid during the application process. The quote an insurance
company gives you is based on rating a number of factors
concerning you and your driving habits. This includes your
driving record; number of tickets; age; sex; marital status;
location; daily and yearly mileage; vehicle use (business or
pleasure); make, model, year, engine/hp; number of operators;
number of vehicles, etc. Your driving record is public
information readily available to your insurance company. You
provide most, if not all, of the other rating factors. Doing so
with less than complete candor is almost certainly not in your
best interest. Most reputable insurance companies validate the
information you provide. Those that don't are not what you want
in terms of a risk partner. Among the options available to
companies that have unknowingly issued policies based on
falsified information are correcting (raising) your rates or
cancelling your policy, upon discovery of falsified information.
Once again, remember that you're buying risk coverage here. You
don't want to find out that your risk coverage partner has
dropped you because of falsified application information AFTER
you've had an accident or are involved in a lawsuit. This
situation may be a rarity, but if you were the insurance
company, and were being sued for millions in damages caused by a
policyholder who materially mis-stated the factual basis on
which your risk coverage contract was based, how hard would you
try to invalidate the policy? Enough said.
5. Consider limited field of membership, and group affiliated
policies. Due to the narrow slice of the risk pie that such
policies cater to, rates may be substantially better than those
available to the general public. Since this type of policy
focuses on the lowest risk groups, it invariably raises rates
for all other motorists, since the low-risk policyholders are
removed from the general risk pool. If you fall into the field
of membership for any of these policies or companies, be sure to
compare their costs with your other quotes. Companies offering
highly advantageous policies for preferred risk drivers include
USAA (for US military members, retirees, spouses, veterans, and
their children); GEICO (for government employees); and most
major insurers in association with many fraternal and
professional organizations.
6. Investigate "bundling" your insurance coverage needs. Some
insurers offer discounts, favorable payment plans, or improved
coverage for such things as multiple vehicles, multiple drivers,
homeowners insurance, renters insurance, and life insurance
policies purchased by the same policy holder. Get quotes.
7. Take advantage of all of your positive policy rating factors.
These merit reduced rates for: High-Credit-Rating Applicants;
Good Students; Anti-Theft Car Alarms; Anti-Skid Braking Systems;
LoJack or similar systems; Electronic Stability Protection;
Multiple Vehicles; Multiple Drivers; and, Safe Driver Discounts,
for example.
Time to Shop
With the foregoing factors in mind, you are now ready to
quote-shop, via the internet. Www.insurance.com, or similar
sites, are excellent starting points to obtain multiple quotes
or more detailed information concerning policies and coverages
over the internet. Companies such as Geico, Allstate, Hartford,
State Farm, Progressive, Liberty Mutual, USAA, INA, Nationwide,
Travelers, and most other large companies maintain an online
internet presence, with quote capability. The advantage of using
a multiple quote site is that the application information, which
is as extensive as necessary for an accurate quote, need only be
completed once, vastly reducing the time required to get the
quote process started. Once you've got some baseline quotes,
you'll find the company-specific sites very easy to navigate,
especially if you've printed out the input data you used to get
your multiple quotes. Remember, you're looking for
"apples-to-apples" quote comparisons from reputable, well-rated
insurers. Using the internet, you'll avoid the ubiquitous
automated call menus; being placed on terminal hold while
waiting to speak to an agent; driving half way across town to
get rates then repeating the process until you're either
satisfied or exhausted. It's so much easier to identify the
reputable, highly-rated insurers; mouse-click your way to one or
two multiple-quote sites; fill in the input data, keeping a copy
for later use; compare cost, features and qualities of the top
insurers; and, make your selection.
A Final Warning!
We cautioned earlier concerning the absolute necessity of
dealing with an insurance company that is reputable and
well-rated among its peers. While the internet offers the
possibility of substantially reducing your premium costs, it
also brings into your field of view unscrupulous insurers that
pay few claims, use stalling tactics, or worse, while offering
coverage at premiums well below most of the quotes you obtain.
Living through one claim with one of these insurers will
convince you of the wisdom of buying from a reputable,
highly-rated insurer, despite any advertised savings from lesser
companies. Unrealized savings, coupled with unpaid claims,
relieve you of your premium dollars and leave you basically
self-insured, at risk for whatever damages the insurer avoids,
escapes, or evades. You'll find it far better to reduce your
premium through the many other means mentioned here, than to
stint on the quality of the company you pick to assume your
risk. As the headline above advises, all auto insurance policies
and companies are not created equal. Having thus far tried to
hammer the concept home, one last repetition seems in order: buy
from a reputable, highly-rated insurer, reducing your premiums
through the many means presented herein, and sleep soundly,
knowing your risk-partner's got your back!
Mike Boerner has served aerospace, finance, automotive, and
government clients for over 28 years as a business process
consultant and freelance writer on both professional and
personal issues, offering information, advice, and decision
support. This article may be freely used so long as the by-line
and the writer's resource box in which this notice appears is an
integral part.
To explore other articles of interest, please visit the site at
http://in4m8ion.com
About the author:
Mike Boerner has served aerospace, finance, automotive, and
government clients for over 28 years as a business process
consultant and freelance writer on both professional and
personal issues, offering information, advice, and decision
support. See http://in4m8ion.com for more articles/categories.
Auto Insurance Ratings - What Companies Are the Best?
by Brian Stevens
You can get auto insurance ratings from a number of services.
But do these ratings really tell you what you need to know?
Here's the inside scoop on how find the best rates with the best
companies.
Auto Insurance Ratings
As a former insurance agent I'm often asked, "What's the best
insurance company?" My answer is usually, "Best in terms of
what? Biggest? Best known? Most solvent? Best rates? Best
service?"
There are three major services that provide auto insurance
ratings - A.M. Best, Standard and Poor's, and Moody's. However,
their ratings focus primarily on a company's financial strength.
Nice to know if you're an investor or an insurance agent trying
to impress potential client. But what you really want to know is
how good a company's service is and how fast they pay their
claims.
The best way to find out this information is not to check a
company's ratings, the best way is to ask the company's
customers.
But what if you don't know anyone who's dealt with a particular
company?
There's an easy way to get the inside scoop on insurance
companies. It's a little-known site where actual customers rate
companies on such things as customer service, response to
claims, and even website experience.
My favorite part is the review section where customers pass on
their experiences with various companies. It is, to say the
least, a real eye opener.
Be careful when you read the reviews because some of them look
like they were done by insurance company employees ("These guys
are the greatest!"), and some were done by their competitors
("These guys suck!"). As in the Olympics, toss out the highest
and the lowest ratings, or at least take them with a grain of
salt, and go with the majority.
Comparison Shop First
If your looking for the cheapest insurance rate with an A-rated
company there are websites where you can get multiple quotes
from top-rated companies. My advice is to check out one of these
sites first to get the best quote, then check out the company.
Visit http://www.LowerRateQuotes.com or click on the following
link to get the best auto insurance rates with A-rated companies. You can get more car insurance tips by checking out their "Articles" section.
About the author:
The author, Brian Stevens, is a former insurance agent and
financial consultant who has written extensively on auto
insurance ratings.
You can get auto insurance ratings from a number of services.
But do these ratings really tell you what you need to know?
Here's the inside scoop on how find the best rates with the best
companies.
Auto Insurance Ratings
As a former insurance agent I'm often asked, "What's the best
insurance company?" My answer is usually, "Best in terms of
what? Biggest? Best known? Most solvent? Best rates? Best
service?"
There are three major services that provide auto insurance
ratings - A.M. Best, Standard and Poor's, and Moody's. However,
their ratings focus primarily on a company's financial strength.
Nice to know if you're an investor or an insurance agent trying
to impress potential client. But what you really want to know is
how good a company's service is and how fast they pay their
claims.
The best way to find out this information is not to check a
company's ratings, the best way is to ask the company's
customers.
But what if you don't know anyone who's dealt with a particular
company?
There's an easy way to get the inside scoop on insurance
companies. It's a little-known site where actual customers rate
companies on such things as customer service, response to
claims, and even website experience.
My favorite part is the review section where customers pass on
their experiences with various companies. It is, to say the
least, a real eye opener.
Be careful when you read the reviews because some of them look
like they were done by insurance company employees ("These guys
are the greatest!"), and some were done by their competitors
("These guys suck!"). As in the Olympics, toss out the highest
and the lowest ratings, or at least take them with a grain of
salt, and go with the majority.
Comparison Shop First
If your looking for the cheapest insurance rate with an A-rated
company there are websites where you can get multiple quotes
from top-rated companies. My advice is to check out one of these
sites first to get the best quote, then check out the company.
Visit http://www.LowerRateQuotes.com or click on the following
link to get the best auto insurance rates with A-rated companies. You can get more car insurance tips by checking out their "Articles" section.
About the author:
The author, Brian Stevens, is a former insurance agent and
financial consultant who has written extensively on auto
insurance ratings.
Thursday, March 8, 2007
The Secret To To Getting Cheap Car Insurance In NC
by Elizabeth Newberry
Is it possible to get cheap car insurance in NC if your driving
record is less than perfect and your car's included on this
year's list of cars most at threat for being stolen? Actually,
it is possible. While your North Carolina car insurance company
may not be throwing discounts at you left and right, you can
still find a way to get cheap car insurance.
Aside from taking advantage of discounts offered by car
insurance companies, the simplest way to get cheap car insurance
is by purchasing only the minimum requirements. North Carolina's
minimum car insurance requirements are $25,000 for coverage of
property damage; $30,000 for coverage of the bodily injury of
one person; and $60,000 for coverage of the bodily injury of two
or more persons.
So, how do you know if purchasing the state's minimum car
insurance requirements is the right option for you to obtain
cheap car insurance in NC?
If your car is completely paid for, you may consider purchasing
the minimum car insurance requirements in NC. If you borrowed
money to purchase your car, your lender will most likely require
you to purchase full coverage car insurance in NC; however, once
your car is completely paid for and only in your name, you are
free to put any kind of car insurance on it you want. This means
you can purchase the minimum car insurance requirements for the
state.
Another instance in which you may want to purchase the minimum
car insurance requirements in NC is if you are a student, or you
are just entering the workforce. Students spend most of their
time in class or studying, so finding a job that will pay high
car insurance premiums is difficult. People who have just
entered the workforce are trying to get on their feet and
settled. Once students graduate and once new employees get on
their feet, more car insurance can be purchased.
About the author:
The Secret to Getting Cheap Car Insurance in NC
High risk auto insurance for teenagers that is affordable
Is it possible to get cheap car insurance in NC if your driving
record is less than perfect and your car's included on this
year's list of cars most at threat for being stolen? Actually,
it is possible. While your North Carolina car insurance company
may not be throwing discounts at you left and right, you can
still find a way to get cheap car insurance.
Aside from taking advantage of discounts offered by car
insurance companies, the simplest way to get cheap car insurance
is by purchasing only the minimum requirements. North Carolina's
minimum car insurance requirements are $25,000 for coverage of
property damage; $30,000 for coverage of the bodily injury of
one person; and $60,000 for coverage of the bodily injury of two
or more persons.
So, how do you know if purchasing the state's minimum car
insurance requirements is the right option for you to obtain
cheap car insurance in NC?
If your car is completely paid for, you may consider purchasing
the minimum car insurance requirements in NC. If you borrowed
money to purchase your car, your lender will most likely require
you to purchase full coverage car insurance in NC; however, once
your car is completely paid for and only in your name, you are
free to put any kind of car insurance on it you want. This means
you can purchase the minimum car insurance requirements for the
state.
Another instance in which you may want to purchase the minimum
car insurance requirements in NC is if you are a student, or you
are just entering the workforce. Students spend most of their
time in class or studying, so finding a job that will pay high
car insurance premiums is difficult. People who have just
entered the workforce are trying to get on their feet and
settled. Once students graduate and once new employees get on
their feet, more car insurance can be purchased.
About the author:
The Secret to Getting Cheap Car Insurance in NC
High risk auto insurance for teenagers that is affordable
Tuesday, March 6, 2007
Some Tips And Advice On How To Get Cheap Car Insurance For Teens
by Elizabeth Newberry
A good piece of advice for helping your teen get cheap car
insurance is to make sure your teen becomes a safe and
experienced driver. Car insurance companies offer the cheapest
rates to those drivers who have stellar driving records, i.e.,
minimal or no traffic tickets and accidents.
You may be surprised to read that one of the main steps you can
take to ensure your teen becomes a safe and experienced driver
is to allow your teen to drive often. Think about it: if your
teen does not get any driving practice, how is he supposed to
become experienced? And without driving experience, how is your
teen supposed to know how to handle certain driving situations?
You can not just hand your teen the keys when it is time to
leave for college. You must help your teen become a safe and
experienced driver before he leaves the nest. Below are some
tips to get started.
Save yourself the effort. One way to help your teen become an
experienced driver is to let him run your errands - even if it
is just a quick trip to the grocery store. Wouldn't you rather
kick off your shoes before starting dinner than stand in line
for bread and milk?
Take advantage of the weather. Do not refuse to let your teen
drive if it is snowing or raining. The seasons won't stop
changing when you're no longer around to shelter your teen, so
you may as well prepare him for all driving conditions.
Go cruising. Let your teen take you for a Saturday spin once in
a while. He will benefit from the relaxed driving atmosphere.
Watch your teen's driving habits. Each time you and your teen
are in the car together, pay close attention to your teen's
driving habits. Do not scrutinize or criticize your teen - that
will only make him nervous. Praise the good moves, and correct
the errors.
About the author:
How Do People Get Cheap Car Insurance for Their Teens
Get an instant quote to save on car insurance for all kinds of teenagers
A good piece of advice for helping your teen get cheap car
insurance is to make sure your teen becomes a safe and
experienced driver. Car insurance companies offer the cheapest
rates to those drivers who have stellar driving records, i.e.,
minimal or no traffic tickets and accidents.
You may be surprised to read that one of the main steps you can
take to ensure your teen becomes a safe and experienced driver
is to allow your teen to drive often. Think about it: if your
teen does not get any driving practice, how is he supposed to
become experienced? And without driving experience, how is your
teen supposed to know how to handle certain driving situations?
You can not just hand your teen the keys when it is time to
leave for college. You must help your teen become a safe and
experienced driver before he leaves the nest. Below are some
tips to get started.
Save yourself the effort. One way to help your teen become an
experienced driver is to let him run your errands - even if it
is just a quick trip to the grocery store. Wouldn't you rather
kick off your shoes before starting dinner than stand in line
for bread and milk?
Take advantage of the weather. Do not refuse to let your teen
drive if it is snowing or raining. The seasons won't stop
changing when you're no longer around to shelter your teen, so
you may as well prepare him for all driving conditions.
Go cruising. Let your teen take you for a Saturday spin once in
a while. He will benefit from the relaxed driving atmosphere.
Watch your teen's driving habits. Each time you and your teen
are in the car together, pay close attention to your teen's
driving habits. Do not scrutinize or criticize your teen - that
will only make him nervous. Praise the good moves, and correct
the errors.
About the author:
How Do People Get Cheap Car Insurance for Their Teens
Get an instant quote to save on car insurance for all kinds of teenagers
Sunday, March 4, 2007
The Secret To Getting Really Cheap Car Insurance In New York
by Elizabeth Newberry
New York State is a no-fault state in terms of car insurance
coverage. Simply put, this means your car insurance policy will
cover you, and the other guy's car insurance policy will cover
him, regardless of who was at fault for the damages.
You can purchase New York's minimum car insurance requirements
just the same as you would in any other state in America;
however, New York's minimum car insurance coverage requirements
are a bit more in-depth as far as coverage goes, and pricier as
far as costs go.
The minimum car insurance coverage in New York is as follows:
$10,000: Property damage liability $50,000: Basic, no-fault
coverage
Bodily injury liability: For injury, $25,000 per person and
$50,000 per accident. For death, $50,000 per person, and
$100,000 per accident.
Uninsured motorist's coverage: For injury, $25,000 per person
and $50,000 per accident. For death, $50,000 per person, and
$100,000 per accident.
Of course, if you don't own your car out-right, i.e., you
borrowed money from a lender to help pay for it, you may have to
purchase more car insurance than the minimum.
Despite the high costs of the minimum car insurance
requirements, it is possible to get cheap car insurance in New
York. Shop around with a few NY car insurance companies
(remember, drivers in New York must purchase car insurance from
a company licensed to do business in New York) and ask about
what kinds of discounts they offer. Some discounts are pretty
standard, such as those for good students and multi-line
policies; other discounts may be unique to that particular car
insurance company.
You may also make changes on your own to your car. Make sure it
is up-to-date with safety features such as anti-theft alarm
systems and reinforced window. Child-proof locks aren't only
safe, but impressive to car insurance companies. And instead of
leaving your car in the side of the street, store it in a
garage.
About the author:
How to Get Cheap Car Insurance in New York
This is the best website for car insurance when you want to mix teenagers and automobiles
New York State is a no-fault state in terms of car insurance
coverage. Simply put, this means your car insurance policy will
cover you, and the other guy's car insurance policy will cover
him, regardless of who was at fault for the damages.
You can purchase New York's minimum car insurance requirements
just the same as you would in any other state in America;
however, New York's minimum car insurance coverage requirements
are a bit more in-depth as far as coverage goes, and pricier as
far as costs go.
The minimum car insurance coverage in New York is as follows:
$10,000: Property damage liability $50,000: Basic, no-fault
coverage
Bodily injury liability: For injury, $25,000 per person and
$50,000 per accident. For death, $50,000 per person, and
$100,000 per accident.
Uninsured motorist's coverage: For injury, $25,000 per person
and $50,000 per accident. For death, $50,000 per person, and
$100,000 per accident.
Of course, if you don't own your car out-right, i.e., you
borrowed money from a lender to help pay for it, you may have to
purchase more car insurance than the minimum.
Despite the high costs of the minimum car insurance
requirements, it is possible to get cheap car insurance in New
York. Shop around with a few NY car insurance companies
(remember, drivers in New York must purchase car insurance from
a company licensed to do business in New York) and ask about
what kinds of discounts they offer. Some discounts are pretty
standard, such as those for good students and multi-line
policies; other discounts may be unique to that particular car
insurance company.
You may also make changes on your own to your car. Make sure it
is up-to-date with safety features such as anti-theft alarm
systems and reinforced window. Child-proof locks aren't only
safe, but impressive to car insurance companies. And instead of
leaving your car in the side of the street, store it in a
garage.
About the author:
How to Get Cheap Car Insurance in New York
This is the best website for car insurance when you want to mix teenagers and automobiles
Friday, March 2, 2007
Car Insurance For People Aged Over Fifty
by Steve Hill
Are you aged over fifty and currently on the look out for car
insurance? Are you fed up with paying such high premiums for
your car insurance? Are you looking for a very cheap car
insurance quote? In this article, I am going to write about the
ways in which people who are over the age of fifty can obtain a
very cheap car insurance quote.
There are many companies now offering cheap car insurance to all
of those people aged over fifty. If you are one of these people,
it is time to take advantage of this. Insurance companies have
realised that this group of people have grown out of their "boy
racer" days and are far more content to drive in a relaxed
manner. This of course in turn leads to far less overall claims
and hence the cheaper premiums.
The next question has to be, where do I find these companies who
are willing to offer this competive car insurance qoute? The
first place to look has to be the internet. The web is not there
just for the under forties to enjoy, many a silver surfer are
known to browse the internet each and every day. I always like
to search for products via Google.com. If you enter into the
search box things like, very cheap car insurance for people aged
over fifty, you will see lots of companies who are ready to
quote you a price.
The insurance companies can also be found advertising on the
television and on the radio. Whichever option you choose, make
sure you do not miss out on the great car insurance deals that
are currently available to you.
About the author:
Stephen Hill helps to promote a number of websites including:
stuttering
stuttering cure
help for stuttering
Are you aged over fifty and currently on the look out for car
insurance? Are you fed up with paying such high premiums for
your car insurance? Are you looking for a very cheap car
insurance quote? In this article, I am going to write about the
ways in which people who are over the age of fifty can obtain a
very cheap car insurance quote.
There are many companies now offering cheap car insurance to all
of those people aged over fifty. If you are one of these people,
it is time to take advantage of this. Insurance companies have
realised that this group of people have grown out of their "boy
racer" days and are far more content to drive in a relaxed
manner. This of course in turn leads to far less overall claims
and hence the cheaper premiums.
The next question has to be, where do I find these companies who
are willing to offer this competive car insurance qoute? The
first place to look has to be the internet. The web is not there
just for the under forties to enjoy, many a silver surfer are
known to browse the internet each and every day. I always like
to search for products via Google.com. If you enter into the
search box things like, very cheap car insurance for people aged
over fifty, you will see lots of companies who are ready to
quote you a price.
The insurance companies can also be found advertising on the
television and on the radio. Whichever option you choose, make
sure you do not miss out on the great car insurance deals that
are currently available to you.
About the author:
Stephen Hill helps to promote a number of websites including:
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Thursday, March 1, 2007
Personal Car Loans - Bring Home Dream Car At Low Cost Finance
by Julia Russell
If you aspire to own that dream car, you surely need to have
huge amount in your pocket ready, which of course is not
possible for everyone. So a loan becomes almost necessary for
most of the people in buying a car, new or used one. Personal
car loans make it possible for a borrower to own a car without
taking many troubles even if he has bad credit.
Personal car loans may be availed as secured or unsecured loans. Secured personal car loans are best suited for bad credit people as these loans are offered on taking property of the borrower as security which cuts the lender's risks. Secured personal car loans are opted for also in case the borrower needs greater amount for buying a high priced car. Another advantage of secured personal car loans is its lower interest rate. The loan amount can be returned in comparatively larger duration.
Unsecured personal car loans are best suited for availing
smaller amount of loan. Unsecured personal car loans are
approved without taking any security from the borrower which
makes them fully risk free loan offer for the borrower. So if
circumstances compel you towards payment default, you loose
nothing in taking the loan. However the lender will charge
higher interest rate on unsecured personal loan and smaller
amount is approved for shorter repaying duration. Unsecured
personal car loans are approved for bad credit people if they
are willing to fork out even higher interest rate and have
sufficient repaying capacity to show.
Prefer taking personal car loans which are especially designed
for the purpose of car buying. Such personal car loans may come
with especial incentives for the borrower like especial
breakdown cover, free motor insurance and discounts on car
accessories. So make sure that you have searched extensively for
suitable personal car loans lender. For fast approval apply to
an online lender. Pay off the loan installments regularly or the
lender may repossess your property placed as collateral.
About the author:
Julia Russell works as an executive in financial department for
Cheap Car Loans. She has a lot of experience in finance field.
To gain more information about Personal car loans, cheap car
loans, bad credit car loans, cheap car loans uk, cheap used car
loan, cheap online car loans, cheap new car loans visit
http://www.cheapcarloans.org.uk
If you aspire to own that dream car, you surely need to have
huge amount in your pocket ready, which of course is not
possible for everyone. So a loan becomes almost necessary for
most of the people in buying a car, new or used one. Personal
car loans make it possible for a borrower to own a car without
taking many troubles even if he has bad credit.
Personal car loans may be availed as secured or unsecured loans. Secured personal car loans are best suited for bad credit people as these loans are offered on taking property of the borrower as security which cuts the lender's risks. Secured personal car loans are opted for also in case the borrower needs greater amount for buying a high priced car. Another advantage of secured personal car loans is its lower interest rate. The loan amount can be returned in comparatively larger duration.
Unsecured personal car loans are best suited for availing
smaller amount of loan. Unsecured personal car loans are
approved without taking any security from the borrower which
makes them fully risk free loan offer for the borrower. So if
circumstances compel you towards payment default, you loose
nothing in taking the loan. However the lender will charge
higher interest rate on unsecured personal loan and smaller
amount is approved for shorter repaying duration. Unsecured
personal car loans are approved for bad credit people if they
are willing to fork out even higher interest rate and have
sufficient repaying capacity to show.
Prefer taking personal car loans which are especially designed
for the purpose of car buying. Such personal car loans may come
with especial incentives for the borrower like especial
breakdown cover, free motor insurance and discounts on car
accessories. So make sure that you have searched extensively for
suitable personal car loans lender. For fast approval apply to
an online lender. Pay off the loan installments regularly or the
lender may repossess your property placed as collateral.
About the author:
Julia Russell works as an executive in financial department for
Cheap Car Loans. She has a lot of experience in finance field.
To gain more information about Personal car loans, cheap car
loans, bad credit car loans, cheap car loans uk, cheap used car
loan, cheap online car loans, cheap new car loans visit
http://www.cheapcarloans.org.uk
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