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.
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