Who Can Get Cheaper Car Insurance?

There are a lot of commonly held beliefs about what sections of the motoring public are generally entitled to cheaper car insurance from providers. Some are more true than others, and some are very general and are best taken with at least a pinch of salt. However, provided you've got a generally clean driving record, there are a few circumstances where you could expect a cheaper premium.

To begin with, people generally start to see cheaper premiums after they reach the age of 25. This is sometimes referred to as a bit of a 'magic age' in terms of car cover, and companies believe drivers above this age deserve a lower cost because they are past the early stages of driving when they might be more inclined to drive irresponsibly or without full attention. Above the age of 25 is generally also considered to be a time when someone will have settled down into a job and perhaps their own accommodation, and as such may have a generally more responsible approach.

Other members of the motoring public who could get slightly cheaper premiums are women drivers. This isn't necessarily because they are better drivers, but because in general they make less expensive claims and fewer claims. Insurers are prepared to offer women cheaper deals because traditionally their driving is associated with more minor damage, whereas men are theoretically more prone to significant smashes and even write-offs. Men are generally more likely to clock up speeding tickets than women as well, and typically drive further on a yearly basis, meaning they have a higher annual mileage and are on the road more often compared to women. This of course could increase their chances of having to make a claim.?

Drivers over 50 are traditionally also able to get cheaper policies from many companies, and some firms even specialise in offering cheap policies to those who have reached the half century. However, 'over fifty' does not necessarily mean a car insurance company will give a discount to anyone over this age. Those drivers in their 80s in particular, may find it difficult to find a cheap deal.

Those between the ages of 50 and 60 might find they get a discount, and those who are retired may also expect to pay less. This is again due to the theory that someone of this age will drive less and will probably have a wealth of driving experience behind them - ?so when they do drive, they are more likely to drive carefully and not during rush hour.

Whether or not an individual's insurance will go down depends on their circumstances:

• Someone who passes the age of 25 but runs up a couple of speeding tickets may pay more for cover, for example.
• Generally, the over-25s often see premiums decrease
• Women generally pay less than men due to trends of less frequent and less serious claims.
• Those in the 50+ age group may pay less but those who are older, perhaps past 80, may find that cover is not so cheap.

Russell Marlow is a London based freelance writer who writes about financial products including car insurance.

Some Important Facts About Nevada Auto Insurance Quotes and Policies

If you drive a vehicle in the state of Nevada you are required by law to have automobile insurance. The minimum amount of coverage allowed by law is a 15/30/10 liability plan. What that means is that the minimum amount of coverage you are allowed to have is $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $10,000 per accident for property damage. Although the 15/30/10 plan is all you are legally obligated to have, you may wish to consider going with a little bit more coverage for added protection in case you are at fault in an accident.

Car insurance is an expense that you will have to live with but that doesn't mean that you have to pay too much for it. There are a lot of insurance companies competing for your business and because of this there are opportunities to save money. A little time spent comparison shopping for Nevada auto insurance quotes can save you a lot of money.

Getting quotes online is pretty simple. It's a lot easier than it was in the days before the Internet where you have to place phone calls, be put on hold, and then talk to an insurance agent that's trying to pressure you into a policy in order to make a commission, only to repeat the process four or five times in order to get a number of quotes to help you make your decision.

Rather than spending hours or even possibly days on the phone, you can spend just a few minutes at your computer and get all the information you need to make a decision on the company you want to go with. Before you get your quotes you will have to fill out a short questionnaire. You will need to provide information about your car, the year, make, and model. You'll also have to answer a few questions about your age, your gender, and how you plan to use the vehicle. In addition to this, a lot of companies will also want your drivers license number and want to know if you've had any accidents or tickets in the last 3 to 5 years.

After filling out the questionnaire which usually only takes a few minutes, you simply click a button and get your quotes. You don't need to spend several hours and you don't need to speak to anyone unless you want to. Getting your Nevada auto insurance quotes is fast, easy, and could save you a lot of money.

To get free car insurance quotes from highly rated companies or to get a list of top insurance providers in your area visit http://www.quick-car-insurance-quotes.com

Day Insurance - Ideal For Short Periods!

If you have purchased a car and wish that it must give long term service, you can choose day insurance. This will provide you protection against accidents. You may also get a low auto insurance quote. Looking online will help you choose from a wide range of quotes. This will help you choose from the best.

There are many people who need to drive a car for a day or for few hours only. Such people can benefit from this cover. Since, it is meant for a day, the premium rate will be low. You can save a huge amount of money. Unlike yearly premiums on life insurance, this kind of cover is affordable and available to all.

If you have been planning an outing with your family or friends, you can get yourself covered with this. In case, you happen to meet with any untoward incidents while travelling, you can get yourself covered. It is a short term cover which can prove very beneficial to the driver. This kin of cover was unheard of in the past. Of late, it has been in huge demand due to its flexibility and easy availability. It will keep you protected against accident, fire or theft damage to the vehicle.

Those who are travelling a short distance and have borrowed a car from a friend or relative can also make use of this cover. It is of great benefit in times of emergency. Moreover, it also works out cheaper than other kinds of insurance. The prime benefit is that you can avoid paying extensive premiums. There is certainly no point in paying an annual premium for a vehicle you only plan to drive once or use every now and then.

In regard to that, this kind of cover has come as a boon for all those who intend to use car for a short period. Earlier, this cover was limited to the motor trade only. In 2005, this was introduced to the general public. This kind of insurance is designed to suit the needs of those who need immediate, short-term insurance to drive. It covers a period of 1 to 28 days against accident, fire or theft damage to their vehicle, as well as their legal obligations or third party claims.

You can also get a cheap insurance cover. It is basically designed to meet your short-term and immediate insurance needs. These insurance packages will protect you from any liability arising from fire, accident, theft or damage caused to your vehicle for a period of 1 to 28 days. Looking on-line will enable you choose from a wide range of quotes. You are free to make your choice depending on the personal requirement.

Sadhana D, Expert Author, Platinum author

For more information on Day insurance:

Day insurance

Information on Temporary Insurance:

Temporary insurance

Don't Pay Extra on Your Car Insurance Renewal

The early bird catches the worm, and when it comes to car insurance it pays not to leave your renewal until the last minute.

The number of vehicles stopped by the police for being uninsured soared to 170,000 in 2008 compared with just 78,000 two years earlier. Success for the police follows the national roll-out of automatic number plate recognition technology in police cars which can check the registration of cars that come into their field of detection comparing them to the Motor Insurers Database and alerting officers if there is no match.

As a consequence drivers run the risk of being caught without car insurance even if they are just late renewing their policy, or they change their car and don't tell the insurer until the last minute.

Policyholders must bear in mind that as soon as their car insurance expires it is eliminated from the Motor Insurers Database increasing their chances of being caught. Therefore, they are urged to mark down their renewal dates ahead of time.

If you forget to renew your car insurance then do not drive the car until you have arranged cover. You should keep a note of your policy number, the date of your renewal and a note of your insurer's telephone number. That way if you are stopped by police when you do get behind the wheel again, you can quickly resolve the matter by calling your provider.

If your insurer automatically renews your policy you may not have anything to worry about in terms of being caught by the police - but you could be caught out by increased premiums. Remember that many insurers charge penalty fees if you leave their policies mid-term so you should ensure you shop around immediately prior to the renewal date so you're not tied in for another 12 months.

Shopping around for car insurance is straightforward thanks to the emergence of several comparison websites which can compare car insurance from more than 100 providers with a single search.

One Day Car Insurance - Know All About It!

Have you been on the lookout for cheap one day car insurance but are finding it difficult to get one? If yes, then you need not worry anymore. You can easily get a cover at a cheaper rate. You can choose from various car quotes. You can approach an agency or look online. Looking online will ensure you get the cover of your choice.

It is not difficult to get one day insurance. This is an affordable cover that will keep you protected against any kind of loss. In case, you happen to meet with an accident while travelling, you can recover the losses. You can get easy car insurance for only 1 day. This is an ideal choice if you are driving a particular car for just 1 day.

There are various benefits of using a comparison site:

? You only need to fill out one form to get quotes from multiple insurance companies.

? Some sites have an insurance expert on hand so you can get answers to your questions.

? It only takes a few minutes.

? The service is absolutely free.

? It will help you lower your car insurance price

This kind of insurance can also work out cheaper as compared to other kind of insurance. If you intend to use a vehicle for a day or two or occasionally, you can make use of this kind of cover. It is better to keep yourself adequately covered than running around in the last minute. As the duration is for a short period, you need not worry about paying premium for a long time.

Everyone can afford this kind of cover. This is a cheaper option as it is used only when it is required. You will be paying for only the amount you use. For instance, if you drive your car every day and need car insurance on a daily basis, then a yearly insurance can prove to be a better option. This will help you save a huge amount of money that you would be otherwise spending on yearly premiums.

You can also make use of this kind of insurance if you don't own a car and wish to take a cover for a short period. You can also use this to purchase a short term insurance from one day car insurance to just shy of one month car insurance. This cover can also be used by those who own a car and also a yearly policy. This will prove to be cheaper. In case, you or your driver was to meet with an accident, both can be adequately covered.

Sadhana D, Expert Author, Platinum author

For more information on Day cover:

Day cover

Information on One day car insurance:

One day car insurance

Daily Insurance - Know More About It!

Are you facing an urgent requirement and need to borrow a car from your friend or relative? If yes, then it is advisable you opt for daily insurance. This is a short term cover that can be paid easily. Unlike, yearly premiums, which are carried over a longer period, this cover can be paid in small installments. If you are concerned about the safety of your dear ones, you can make use of this cover.

If you wish to spend a lesser amount on the cover, you can even look online. This will help you choose from a wide number of quotes. There are myriads of companies that offer policies that include daily car insurance cover, with varying daily insurance rates. It may not be an easy choice to make for you. Seeking help from financial experts will help you get suitable cover.

You can also compare rates and save money on your car insurance by following some simple steps. You can consolidate your insurance. If you insure both your car and your house with the same company, you can save 5% to 15% on yearly premium. You can also install security devices in your car such as a burglar alarm or anti-theft device. This is available at a discounted rate.

It can also come in handy while driving different types of vehicle. For instance, if you were to drive a truck or any other type of heavy vehicle, you can use this cover. If you happen to meet with an accident, you will be covered for the losses suffered. There are various benefits of this type of cover:

? Quick and easy 1 day temporary car insurance

? Cover available without much documentation

? For instant drive away insurance cover

? Available for those over 21 years old

? Cover also available for 2-28 days

This can also prove to be helpful if any of your family member or close friend needs to drive a car for a short period of time, a temporary additional vehicle, a courtesy car. It is not difficult to get cover between 1-28 days. The only criterion that a driver needs to fulfill is he or she must be aged over 25. Those who need insurance for a short period of time can benefit the most. It is a wise choice. It provides coverage against fire or theft damage to their vehicle, as well as their legal obligations or third party claims. You can also get customized daily insurance plans to meet your needs. They are available to all kinds of people - small businesses, and large-scale enterprise.

Sadhana D, Expert Author, Platinum author

For more information on Daily insurance: Daily insurance

Information on 1 day insurance: 1 day insurance

Auto Insurance Prices - Everyone Doesn't Have to Pay to Much!

What are the factors that affect your car insurance prices? Some of these may surprise you!

Most people know that their credit score is becoming more and more important to car insurance companies. It is a lesser known fact that those who live in the suburbs will often pay less for car insurance than city dwellers due to the volume of traffic.

Add your home or another car to your plan and car insurance companies will look upon you favorably (and give you a discount). Before you shop for insurance, know what you are looking for. Do you need uninsured motor vehicle coverage? Do you know the difference between collision and comprehensive insurance? There are plenty of guides on the internet that explain each type of coverage and the situations in which you may need them.

While you're surfing the web, you should take advantage of free car insurance quotes. Experts say shoppers should compare quotes from at least three different companies. Some companies may not charge too much for a few blotches on your driving record, while others may offer better discounts. It is to your benefit to learn about the different companies so that you can get the best deal possible.

Before you buy a car, be sure to see how much it will cost to insure. A safe, practical, vehicle may cost more to insure because it has a high theft rate. Finally, ask your insurance agent for a list of every discount the company offers. Some agents make assumptions that can leave you paying more. Be proactive when shopping, and you will certainly reap the benefits of paying less for your car insurance.

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Reasons to Shop Online For Auto Insurance

How long ago did you purchase your auto insurance? If it's been more than a couple of years, you should seriously consider shopping online for auto insurance coverage. With the sophisticated online tools available for requesting auto insurance quotes, it's a simple matter to find out if the coverage you have today is still the best bargain.

Before we talk about the ease of receiving online quotes, let's look at the reasons someone would want to explore new coverage. One of the most common is rising insurance premiums. While we might expect higher premiums if our driving record is shaky, that's not the only reason some insurers raise their rates.

Poor credit, a more expensive vehicle or a change in marital status are only a few of the reasons your insurance carrier may raise your rates. Not all insurance companies, though, use the same criteria. That's why using a convenient online rate comparison tool is a good idea.

Another reason to shop your auto insurance is that, if you've been working through a "captive agent" for years, she may not have the ability to offer you better coverage. In other words, if the products she represents aren't the best choice for you any longer, it may be time to look beyond her company. Loyalty and service should always be considered in business transactions, but if you're paying far more to keep the same agent, you need to count that cost.

There's one more thing to consider if you're working through a captive agency. If you're moving outside their geographic area, you'll probably be assigned to another agent in your new location. It makes sense to shop for coverage before you lock yourself back in to the same company, just to make sure you're getting the best value.

Once you've decided you'd like to compare your auto insurance rates with other companies', there are several ways to go about that process. As we mentioned, some insurance companies offer their coverage through captive agents. By watching local ads, you could learn which companies are represented by local agencies and visit each for a rate quote.

You could also go online to those insurance companies' websites and make your requests there. Once you've gathered those individual quotes, sit down and compare coverage, premium rates and what you know about each company's claims service. Based on those factors, decide which insurer offers you the best value.

If going through that process sounds too time-consuming, why not take advantage of one of the online insurance comparison tools? These websites allow you to enter your information once into an online application, then produce a rate comparison for several insurance companies at once. Some even offer customer ratings, so you'll know how well they service claims. You can then contact the company offering the best value for more information.

Whether you choose to visit individual insurance agencies or streamline the rate comparison process online, periodically shopping your auto insurance coverage is a good idea. You may even be able to use the information you gather to negotiate a better rate with your current insurer.

Even if you decide your current coverage is the best value, you'll have made that decision based on facts rather than assumptions. The ease of comparing coverage online gives everyone the chance to know for sure.

Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web.
Learn more about Auto Insurance Online.

Does Liability Insurance Have a Deductible?

Car insurance can be a complex and aggravating issue that leaves you staring at the fine print and wondering what hit you. Even trying to read through your policy without an insurance dictionary in one hand and an experienced insurance professional/interpreter in your other can make less sense than trying to sound out Ancient Hebrew-and that's a dead language! With that in mind, it's no wonder that many people don't really understand the details of their liability insurance and their deductible.
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A deductible is an amount of money you pay when an accident takes place to take part of the payment off of your insurance company's hands and to assume part of the responsibility for your actions. Higher deductibles will usually give you a lower annual premium, so many people prefer to set their deductible above their insurer's minimum limits. When it comes to liability insurance, however, the rules tend to change a little bit.
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Comprehensive and collision car insurance are always going to have a deductible, since your insurance company is providing you with what the state considers to be an extraneous service. It's a "perk" of your insurance coverage. Since liability insurance is "required" some insurers won't charge you a deductible when they pay a claim. (They will, however, quite gleefully continue to take their pound of flesh by raising your premiums!)
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The most important thing you can do to keep tabs on your car insurance is to read your policy, front to back, every year when it's renewed. It's tempting to let that step slide because trying to make sense out of an insurance policy is a migraine waiting to happen. Especially when that policy is printed on enough paper to sink the Titanic, as many seem to be these days! Knowing the details of your car insurance coverage, particularly your liability insurance, is vital, however. Not only does it make sure you're never left wondering if and how your repairs are going to be handled but also because it explains the details about, when, how and how much with regard to your deductible.
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Saying that liability insurance never has a deductible would be a lie. Some insurance companies will charge you a low deductible for your liability insurance, especially if you're considered to be a high risk driver. Many more will give you the option of tacking a deductible onto your liability coverage to lower your annual premiums when you buy your policy.
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It's important to know what the details are on your liability insurance before you get in an accident and discover a few nasty surprises hiding behind your claim.

Anthony Peck is the Senior Developer, Software Project Manager, and Director of Business Development for QuoteScout.com. For more information about filing a car insurance claim, visit them on the web at http://www.QuoteScout.com

Accuracy of Car Insurance Use - Car Boot Sales

Are you fully covered under your car insurance policy? For many people a car is more than a way to get from A to B, it is their only available form of transport, or perhaps also the way in which they make extra cash. For example, the car boot sale remains a popular British pastime, both as a way of picking up bargains for buyers and a way of getting rid of unwanted bric a brac for sellers.

The early morning trip to a car boot sale is for some people an effective second income. But it could have hidden problems, and end up costing someone a considerable amount of money, as opposed to earning them extra.

This is because using your car at a humble car boot sale will probably not be covered on your car insurance policy. It's likely to be classed as commercial usage of your vehicle, and therefore you're unlikely to be protected on your policy to or from the car boot sale, and even at the car boot sale itself. This is just one definition of commercial usage which is not covered on the typical car insurance policy, and therefore creates something of a secret pitfall for thousands of British drivers.

Car boot sales

Car boot sales tend to go up and down in popularity, and could be connected to the overall financial climate. The tighter things get, the more tempted many Brits may be to pack the family car with goods and head off to find themselves a pitch at a sale. The more regularly people do this, the higher the risk they would not get a payout after an incident, as typically the only way a policy would protect them is if they named their job as a market trader.

Moving items

Another example of commercial use on your vehicle could include moving items for cash, for example if you've got a large vehicle or small van, but no commercial insurance, and agreed to take a number of pieces of furniture or other belongings as part of someone's home move in exchange for money. Again, you may well not be covered to or from a destination and critically not when you've got the goods in the back of your car during the move, so be sure to check the small print and ask your insurer before attempting this.

Of course, anyone who goes to car boot sales simply to buy or who moves bits and pieces on a non commercial basis, i.e. simply taking their own belongings between two properties during a move, will generally be fine on their existing policy. But even those considering a single boot load of goods to make some cash in one sale could well be at risk of not being insured during their venture.

Early honesty could be the key here, as anyone who admits to their insurer to having gone to a number of car boot sales could find that their car insurance premium suddenly soars. So to avoid paying through the nose and ending up in something of a gray area, it's advisable for drivers to look over their policies and contact their insurers before attempting to use their vehicle to sell at car boot sales, or undertake similar activities.

Russell Marlow is a London based freelance writer who writes about financial products including car insurance.

Could My Car Insurance Not Pay Out?

It can be tempting to assume once you've got a car insurance policy in place that whatever you do with your vehicle, you'll be covered and get payouts if something goes wrong. But in reality this isn't always the case.

Although it depends largely on the kind of policy you've got, there are a few situations where you may find that a policy doesn't pay out, potentially leaving you with a bill that could run into hundreds or even thousands of pounds.

The minimum legal requirement in the UK is a Third Party Only car insurance policy to drive a vehicle on public roads. This is needed so any third parties involved in an accident get protection. For example, if you crash side-on into someone's car and the incident was your fault.

Although you would not be able to claim for the damage to your own car, the person you hit would get payouts for car damage or injury caused to them, so in effect you'd be covered for the legal cost. Beyond this, Third Party Only doesn't cover for much else, i.e. if the car is stolen, damaged in an attempted theft, or burnt.

Third Party, Fire and Theft

The next step up from Third Party Only is Third Party, Fire and Theft, which as the name suggests, will cover you against damage caused by theft, attempted theft or a blaze. One thing which may not be covered by this is damage to a window, or one which was smashed completely when someone tries to steal your car but does not take anything.

Some insurers may see this as a glass or window claim instead of theft, and therefore may not pay out on third party fire and theft policies.

The third and highest level of insurance, comprehensive cover, will typically provide protection for this.

Another circumstance where a policy may not pay out is if you're deemed to be doing something with your car not covered by the policy at the time of an incident. For example, a typical car insurance policy will not cover you for commercial use and this may even include going to, from or attending a car boot sale. To provide another example, if you had an accident while moving items in your car in exchange for a small fee, such as when helping someone to move house in exchange for cash, your insurance company may not payout.

Secure your car

When it comes to theft, a car insurance company may also decide not to pay out if it can be shown that you failed to secure the car. To give an example, many insurers may not pay out if your car was stolen after you simply left it unlocked or left the keys in it.

Making modifications to your car which your insurer doesn't know about is ill-advised as well. If you modify or 'mod' a car you can make it a target for thieves, and if you fail to tell your insurance company about the changes, it may not be covered if it is subsequently stolen. Even upgrades like alloy wheels may be a problem. So check with your car insurance company before making an improvement like this to help ensure it will still be protected against theft.

Russell Marlow is a London based freelance writer who writes about financial products including car insurance.

Bringing Down the Cost of Motoring

Driving is no longer the cheap way of getting around it once was, thanks to rising fuel prices, increasing car insurance premiums and parking charges, road tolls, and heavy fines if you're caught breaking the speed limit.

But this doesn't mean you should be paying over the odds. Whether it's through reducing your fuel consumption or simply adjusting your car insurance policy - you could save yourself a few pounds.

Cut your petrol bills

For starters, if the price of fuel is your main gripe, there are ways in which you can help reduce petrol bills. To start with, you can actually shop around for petrol through websites such as petrolprices.com, a service which allows people to search for the cheapest petrol in their local area, simply by typing in a postcode. There may even be a difference in petrol prices per litre between two garages which are quite close together, meaning a simple change of garage could save you a considerable amount of cash in the course of a year.

Eco driving

Eco or green driving has been a hot topic for a while now, and a few simple adjustments to your technique could see you reduce your fuel consumption and costs. Advice includes driving in the highest gear possible as motoring along at considerable speed in a low gear can up your fuel consumption considerably. You can also improve your fuel economy simply by making sure your tyres are pumped up to the correct level. Too flat, and greater power is needed to drive the car, resulting again in higher fuel consumption over long periods.

Think about excess weight in your vehicle as well. If you're carrying anything like a roof rack you don't use or a tool kit in the back which isn't essential, consider removing it. The more gear on board, the more weight you're carrying and the harder your engine has to work and burn petrol or diesel to drive the car.

Cut your car insurance costs

Car insurance is also an expense which many people find they can save money on by making a few simple adjustments. Following a series of basic tips could see you reduce your car cover costs every year. Here's a few things you could try:

????????? improving your car's security system.

????????? finding a garage where you can park it regularly.

????????? remembering to tell your insurer if you've moved to an area with less crime.

????????? shop around for the right deal for you using a car insurance comparison website.

All of these could result in a reduction in the cost of your premium. This is because the harder the car is to steal, or the less likely it is to be stolen, the more likely it is that your car cover company will be prepared to reduce your premium.

And parking your vehicle can in some cases mean an annual outlay of thousands of pounds, so finding a better spot can pay dividends in the long run. Is there a different place where you can leave your vehicle during the day, perhaps just a short distance from your regular car park? And is it any cheaper? Also, in a number of big cities some people living close to town have taken to renting out their driveways during the day to make extra cash. So if there are any near you or perhaps you go past a house everyday which has a completely empty driveway, why not find out if they are willing to let you use it in exchange for some money.

Finally, using a car insurance comparison website enables you to compare the different policies on offer so that you can find car cover that fits your budget.

Russell Marlow is a London based freelance writer who writes about financial products including car insurance.

The 5 Best Ways to Save Money on Your Auto Insurance

When was the last time you checked auto insurance rates to make sure you were getting the best coverage at the best price?

In these tough economic times it's important to save money any way you can. Here are the 5 best ways to save money on your auto insurance.

1. Up Your Deductible

Raising your deductible is one of the best ways to lower your premium. Raising it from $250 to $500 can save you up to 30%. Raising it to $1,000 could cut your premium in half.

2. Check Out That Car

If your in the market for a new car, compare insurance rates for various makes and models before you buy it. The difference in the rate between a gas guzzling muscle car and a four-door family sedan could be hundreds of dollars a year.

3. Bundle Your Policies

Most insurance companies will give you a sizable discount - 10% to 15% - if you purchase both your auto and homeowners insurance through them.

4. Get Those Discounts

Auto insurance companies offer a variety of discounts to their customers. Some of these discounts include:

* Good driver discounts for drivers who haven't gotten a ticket or had an accident in the last 3 to 5 years.

* Safety features discounts for having safety features on your car such as car alarms, air bags, seat belts, and anti-lock brakes.

* Low mileage discounts for drivers who drive less than the national average.

* Internet discounts if you purchase your auto insurance policy online.

Ask your insurer to give you all the discounts you're eligible for.

5. Go Shopping

The absolute best way to save money on automobile insurance is to compare rates from different companies. The difference in rates from one company to another could be hundreds, even thousands of dollars a year for the exact same coverage.

The best way to get quotes from different companies is to comparison shop online, and the easiest way to do that is to visit an insurance comparison website. All you do is spend a few minutes filling out a simple online form, then wait for your quotes.

The best sites even have experts on call to answer your questions and help you get the best policy at the best rate.

Spending a just few minutes at an insurance comparison site can save you up to 70% on your insurance.

Visit http://www.LowerRateQuotes.com or click on the following link to get auto insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on auto insurance.

How Car Insurance Differs From Coast to Coast

There are a lot of things that you expect to be different when you're traveling from coast to coast. The weather, for example. Or the food. The scenery. (You'd never see that much desert on the Atlantic shoreline.) What most people don't expect, however, is how much their car insurance will differ as they move from the Atlantic from the Pacific.

Before you start hyperventilating, relax. It doesn't matter if you're driving from New York to California and back again; you're still going to be covered by your regular car insurance policy. If you decide to load your car up with bags and boxes and put down roots somewhere else, on the other hand, you're going to find out that there's a big difference. Every state has their own policies when it comes to their requirements for their drivers, and if you're going to become a certified resident you're going to have to know what you're getting into.
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How Car Insurance Differs from State to State
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1) Fault

If you're already living in a No Fault state you're already very familiar with how no fault car insurance works. On the other hand, if you've never experienced the ins and outs of no fault car insurance you may find yourself overwhelmed. Breathe. The only thing no fault car insurance really means is that you don't have to sit around forever waiting for the other driver's insurance provider to pay your bills after they hit you. Your insurance will handle it, letting you get back on the road as quickly as possible.

2) Minimum Liability Coverage

Every state has a minimum level of liability coverage they want their drivers to have. This pays for any damages to public property and other vehicles after an accident, as well as the medical bills of other drivers and/or passengers. Since that number varies from state to state you're going to want to do a little homework before signing on the dotted line; ideally your car insurance provider would tell you what you needed to know, but you don't want to depend on that.

3) Uninsured Motorist Fees

Driving without any form of car insurance whatsoever isn't the safest path to take, but if you're one of the approximately 17% of Americans currently driving without insurance you're going to want to find out your state's policies on uninsured motorists. Some states allow it. Most charge you an exorbitant fee for it-by the time you're done paying the $400-600 you're going to have pay each year you could have added another hundred on and enjoyed minimum liability coverage.

Just a thought.

Switching your car insurance coverage from state to state is simple. All you have to do is contact your insurance agent, let them know your change in address (assuming they're a national provider) and make any necessary adjustments to your policy to make sure it meets state standards. In less than 15-20 minutes you can be insured and safely cruising the public highways of your new stomping ground.

Now if you just remembered where the grocery store was...

Clifford F. Berman is the CEO of QuoteScout.com. Since their launch in 1996 QuoteScout has specialized in matching customer requests for insurance quotes with quotes from local agents and national providers. For more information about car insurance after your move, visit them on the web at http://www.QuoteScout.com

Auto Insurance Rates - The Key to Finding the Best Auto Insurance Rates

Auto insurance rates are what you are asked to pay for your car insurance per year. In some states the rates are set by the division of insurance, but in most states the rates are set by the insurance company in conjunction with state government. These rates will vary from company to company, but there is a maximum amount that can be charged.

This flexibility is a good thing for the auto insurance consumer because it means the insurance companies will do their best to offer you the lowest quote that you qualify for. Car insurance is an extremely competitive business and this means that there are deals to be had if you are willing to shop around for a quote.

Finding the lowest auto insurance rate online can be done fairly easily by visiting a web site that offers multiple quotes. You fill out a form online and within a few minutes you will get auto insurance quotes from several companies. It is easy to compare the cost at this point because the rates are right on your computer screen.

The next step is to go to the company web site of the insurer that offers you the most competitive rate. You can apply for an insurance policy right away on the web site if you are ready to buy or you can ask to speak with an insurance agent on the telephone if you have further questions.

In either case be sure to purchase enough coverage. A common mistake is to purchase the minimum amount of coverage, but this is often not enough to protect you in case of an accident. Increasing your coverage level usually only costs a few extra dollar per month and it is money well spent.

By spending just a little while shopping for insurance online you can save money. Many people have reported savings of five hundred dollars or more. The auto insurance rates that you get from the multiple quote web site will prove this to you beyond a shadow of a doubt.

Looking for the best Garden Grove auto insurance? Compare discounted auto insurance quotes online for free at http://www.GardenGroveAutoInsuranceQuotes.com today.

How to Know How Much Auto Insurance You Should Carry

How much automobile insurance should you carry? The answer is easy: as much as you can afford. The primary reason to buy automobile insurance, both liability and uninsured motorist (UM) coverage, is to protect yourself and your assets. Your insurance company will never pay more in damages, to you or to a person you negligently injure, than the dollar amount of the coverage you paid for, no matter how high a verdict there may be either against you or for you. Sound complicated? Let's look at two hypothetical examples regarding liability and underinsurance coverage.

Liability Coverage

If you pay a policy premium for $25,000/50,000 in auto liability insurance coverage[1], this is what could happen if you negligently cause injury to another person in an auto accident and the injured person sues you. With significant injuries and damages, a jury might award the injured person $75,000 (a hypothetical figure). Under these facts, your insurance company would pay the injured plaintiff only $25,000 on your behalf, the amount of coverage you bought[2]. As a result, you could be held liable for payment of the remaining $50,000 yourself! This is a harsh result, I am sure you would agree.

What would happen if you had purchased a larger $100,000/$300,000 policy? Your insurance company would ordinarily pay the injured person the entire judgment amount of $75,000. Consequently, you would not be obligated to pay any part of the judgment yourself. To sum it up, the more insurance coverage you buy the less likely it is that you will ever be called upon to pay any part of a legal judgment against you.

Underinsurance Coverage (UIM)

Your purchase of high insurance limits can also help you or your family members when one or more of you are injured through the fault of another driver. This might occur if you and/or relatives who live with you sustain serious injuries in a motor vehicle accident, and the negligent driver who caused the accident has less insurance coverage than you do.

How does this work? As an example, let's say the negligent driver has purchased a $25,000/$50,000 auto liability insurance policy, and you have a policy that provides $100,000/$300,000 in UM coverage. Your injuries are serious. Your medical bills and lost wages are substantial. In your lawsuit against the negligent driver, a jury awards you $100,000 in damages. The defendant driver's insurance will pay you only $25,000, the maximum amount of liability coverage the defendant bought which can be paid to one person with respect to one accident. However, you can look to your own UM coverage to see if there is underinsurance coverage (UIM) available to you. Given the above facts, your insurance company would pay you $75,000 in underinsurance coverage.

How do you arrive at the $75,000 figure? It happens this way. Under Virginia law, if there is UM coverage available to you in an amount greater than the defendant's liability coverage, you will have underinsurance coverage. If not, there will be no underinsurance for you[3]. The availability of underinsurance coverage depends on a comparison between a specific defendant's liability coverage and the UM policy or policies which provide you coverage. With regard to the above example, your own insurance company would pay you $75,000 because that is the amount by which your own UM motorist coverage exceeds the defendant's liability coverage of $25,000. By adding your $75,000 in underinsurance coverage to the defendant's $25,000 liability limits, the $100,000 judgment against you would be paid in full.

However, there would be a different result if there was just one policy available that provided you only $25,000/$50,000 in UM coverage. Under the described facts, your insurance carrier would pay you nothing because your UM insurance coverage of $25,000/$50,000 does not exceed the defendant's own $25,000/$50,000 liability limits. Yes, you can pursue the defendant driver personally through collection proceedings after trial. However, the average defendant has few assets and collecting on a judgment can be a long, expensive, and often futile endeavor. In the end, it is always better to carry high liability/UM insurance limits yourself and ensure that you and your own family are protected in the event one or more of you sustains severe injuries caused by the negligence of a driver with low automobile insurance coverage limits[4].

Footnotes

1. Auto insurance limits of $25,000/$50,000 constitute the minimum amount of auto liability and uninsured motorist coverage you can buy in Virginia. Each state determines its own auto insurance minimum limits; therefore, minimum limits differ from state to state as do laws related to auto insurance. The facts in this article are based on Virginia law only. If you live in another state, you will want to learn about the applicable insurance laws in your own state.

2. When you see a figure like $25,000/$50,000 in relation to an auto policy, it means the limits are "split", that is, one injured person can recover a maximum of $25,000 under the policy while $50,000 is the most coverage the insurance company will pay out to all injured persons regardless of the number of people injured in the same accident or how badly they may be injured.

3. In Virginia, you may be entitled to undersinsured motorist coverage under more than one policy, and these policies can sometimes be "stacked" to give you more coverage. Va. Code - 38.2-2206. This is a complex area of law, and it is wise to consult an attorney to explore whether there is underinsurance in your case.

4. In Virginia, you cannot buy UM coverage in an amount that is higher than your auto liability insurance limits.

Elizabeth M. Allen, of the law firm Allen, Allen, Allen & Allen, has been engaged in the practice of personal injury law for over 30 years. Allen and Allen has been protecting the rights of injured victims in Virginia for nearly a century.

Auto Insurance Rating - How to Find the Best Auto Insurance Rating

There are many web sites that will help you find the best auto insurance rating that you may qualify for. It can be difficult to get excited about shopping for an auto insurance policy, but the payoff can make it worthwhile. Recently we went online and asked for a car insurance quote from three of the big companies. There was an eight hundred dollar difference in price from the highest quote to the lowest.

An eight hundred dollar difference is quite a substantial sum of money. Especially considering filling out the form on the multiple quote web site we visited took less than thirty minutes. That amount of money may make shopping for auto insurance much more exciting than you thought it could be.

There are no secrets to finding out how the auto insurance rating system works. Some companies have a much stronger bottom line than their competitors so they can afford to offer a lower price on the car insurance policy you need. Other companies can offer you a lower quote because they put more importance on some of your information than others.

For instance say company X sees that you got a speeding ticket five years ago. They may put a lot of emphasis on that and charge you a higher rate for your vehicle insurance. Another company may see that same speeding ticket, but see that you have never had another traffic violation. They may be inclined to give you a break on your one speeding ticket. This is what accounts for the difference in auto insurance quotes.

The one thing you can be sure of is that different companies will have different auto insurance rating systems in place. This is why shopping online for auto insurance will save you money. You can compare quotes in minutes and save yourself hundreds of dollars in the process.

Looking for the best Garland auto insurance? Compare discounted auto insurance quotes online for free at http://www.GarlandAutoInsuranceQuotes.com today.

Auto Insurance Ratings - Your Guide to Auto Insurance Ratings

Auto insurance ratings are the criteria which vehicle insurance companies use to determine how much your policy is going to cost. The car insurance ratings are different from company to company and this is the reason a policy may cost less at one company than another. They use a different set of criteria to determine your quote.

The specific things an insurance company considers before offering you a quote will depend on the insurance company, but there are a few things that all of them are going to consider. The one thing you cannot get away from when shopping for auto insurance is your driving record.

Statistics have proven that people who speed, drive drunk, or have been involved in accident are more likely to be in a future automobile accident. This is why your premiums will sky rocket after a car accident.

The numbers show you will likely be involved in another accident. By driving very carefully for a number of years you can sway the statistics back in your favor. This is why your car insurance premiums will be less expensive after a few accident free years.

The other thing that auto insurers will all take into account is your geographic location. This is because the cost of the average claim is higher in some areas than in others. It also has to do with the fact that people who live in certain areas have been proven to be involved in more accidents.

The good part of all this is that you can save some money on your auto insurance even if the auto insurance ratings have not been kind to you. The best way to do this is by shopping for a less expensive insurance policy online. By shopping online you can compare multiple policies in a very short amount of time and switch to the car insurance that offers you the least expensive quote.

Looking for the best Gilbert auto insurance? Compare discounted car insurance quotes online for free at http://www.GilbertAutoInsuranceQuotes.com today.

Auto Insurance Review - How to Review Your Auto Insurance Policy

An auto insurance review is a simple way for you to compare car insurance policies side by side and take a close look at the pluses and minuses of each policy you are considering. There are many web sites that can help you with this process. You can also do this the old fashioned way if you feel like spending several hours on the phone and taking notes with your paper and pencil. As you can see we heartily recommend using the Internet to shop for your next vehicular insurance policy.

There are three components to the usual auto insurance policy. A typical insurance policy carries about $50,000 bodily injury liability for one person injured in an accident, $100,000 for all people injured in an accident and $25,000 property damage liability.

Those numbers are a good guideline, but make sure to take your own financial situation into account. $25,000 in property damage will almost certainly cover the repairs for any accident you are involved in, but this is not always the case.

If the damages are more than your insurance will cover you could be liable for the amount not covered by you auto insurance. So if you are unfortunate enough to rear-end the Bentley that stopped short in front of you it could wind up costing you quite a bit of money. This is why it is critical to purchase enough vehicle insurance to protect your other financial assets.

The other important aspect that an auto insurance review will reveal is how the claims process will work. You do not want to do business with a company that has a reputation for being difficult to deal with after an accident. A good way to find out how people view a company is by visiting an online car insurance company review web site. If there are a lot of complaints about a specific company you should probably steer clear.

Looking for the best Glendale auto insurance? Compare cheap car insurance quotes online for free at http://www.GlendaleAutoInsuranceQuotes.com today.

Auto Insurance Reviews - How to Decipher Auto Insurance Reviews

Auto insurance is a complicated business and some of the auto insurance reviews you will read are complicated as well. The best way to go about understanding auto insurance reviews is to make sure you are familiar with the terms. After all auto insurance is a legally binding contract between your car insurance company and you so doesn't it make sense to understand what your obligations are before entering into that contract?

You will see numbers like 50/100/25 when you look at your auto insurance policy. Do you know what these numbers mean? If not you should. They are the limits your insurance company will pay out in the event of an accident. The 50 stands for $50,000. This is what the insurance company will pay to one person in the event of an accident. The 100 stands for $100,000 and this is the maximum amount that will be paid out to everyone involved in the accident. The 25 means you have $25,000 dollars worth of property or liability insurance.

Only you can decide if these limits are enough to protect your assets in case of an accident. You can be held liable for any amount of money that exceeds the amount on your car insurance policy.

The other important thing to know about auto insurance reviews is that not all of them are truthful. Some people may have an agenda about their specific insurance company, but it may have been the drivers fault. This is why you should not be swayed by a small sampling of reviews. Look for trends over hundreds of reviews before choosing your policy.

The bottom line is that when you choose an auto insurance review web site to help you decide on a car insurance company you need to make sure you understand the terms of the policy being offered and make sure the reviews are not biased one way or the other.

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Automobile Auto Insurance - How Automobile Auto Insurance Protects You

Automobile or auto insurance is one of those things many people resent paying. They know they are careful drivers, they've never been in accident, and they get annoyed that they still have to write a check every month for a service they never use. However auto insurance is one of things that you may never need, but when you do you will be very, very happy that you have it.

One accident can literally bankrupt you under the wrong set of circumstances. If you happen to driving without enough insurance, or no insurance at all, and cause an accident you will be held liable for any damages. This means you have to pay, out of pocket, for repairs to other person's car and possibly for any medical bills associated with the accident as well. This cost can be tens of thousands dollars.

Even if you estimate the cost of an accident at a relatively conservative amount of say, five-thousand dollars, most people do not have an extra five-thousand dollars lying around to pay off an accident. This figure is just an example and the actual cost of an accident could be much higher, especially if there was an injury related to the accident.

The odds are that about ten percent of car insurance company's customers will be involved in an accident per year. Those odds are definitely on your side, but if you are one of the ten out of every hundred customers who does have to file a claim with the insurance company each year you will be very happy that you kept paying your premiums.

The automobile auto insurance policy that you purchase will cost you some money, but there are ways to decrease the cost of your vehicle insurance. The very best way is to shop for your car insurance online using a web site that will give you multiple vehicle insurance quotes. These quotes will come in from competing companies and you will be able to compare them side by side in order to choose the least expensive car insurance policy that you qualify for.

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Automobile Car Insurance - 3 Tips to Save Money on an Automobile Car Insurance Policy

Automobile car insurance can be pricey, but there are ways to lessen the hit in the wallet. Many people choose one car insurance company and stick with it for years, even though it is likely they could have found a better deal elsewhere.

People do not enjoy shopping for car insurance and therefore they simply stick with what they have. If you are one of those people you may be surprised to learn that you may be wasting hundreds of dollars per year.

The first way to save on your auto insurance policy is to see what discounts you may have overlooked in the past. Many trade organizations, unions, alumni associations, and companies negotiate special rates with auto insurance companies for their members or employees. In some cases these savings can be substantial.

Another great way to save money on your automobile insurance is to make your insurance company aware of the safety features of your vehicle. Automatic restraint systems, alarms, and GPS location devices may all qualify you for savings. Also if you do not use your vehicle often you may qualify for even more savings. Many insurance companies offer discounts to people who drive less than a certain amount of miles per year or who take public transportation to work.

The very best way to see a substantial savings on your car insurance premiums is to shop for a new policy online. There are web sites that will allow you to enter your driving history and then they will forward the information to several automobile insurance companies. After reviewing your information these auto insurance companies will then offer you a quote on a new policy. These competing quotes can often differ by hundreds of dollars from your existing policy.

Hopefully the above three tips will help you to save a significant amount of money on your next automobile car insurance policy. If you are very luck you may even be able to combine all three tips which will put a lot of your hard earned money back in your pocket where it belongs.

Compare discount auto insurance quotes online for free at http://www.HonoluluAutoInsuranceQuotes.com today.

We also have a free list of the best Honolulu auto insurance providers.

Automobile Insurance Coverage - Your Automobile Insurance Coverage Explained

The typical automobile insurance coverage has three limitations that may be listed as 25/50/25. Many consumers have no idea what these numbers mean, which is unfortunate because they are critically important. These three numbers can mean the difference between having enough coverage and financial disaster.

The numbers listed above are the coverage limitations on your insurance policy. The first number, in this case 25, stands for the $25,000 dollars which is the maximum your insurance policy will pay out to one person involved in an auto accident. This includes medical bills, bodily injury, and lost wages to any person who was injured in an accident you were responsible for. If the person has bills that exceed $25,000 dollars you may be held responsible for paying them out pocket.

The next number, in this case 50, represents the $50,000 dollars that your insurance company will pay out per accident to all parties involved. So if you ran a red light and hit a car with four people in it your insurance company will pay out a maximum of $50,000 dollars to the four people in the other vehicle. Again you may be held responsible for any monetary compensation that exceeds $50,000 dollars.

The last number, again 25, stands for the $25,000 dollars your auto insurance policy will pay for damage to another person's automobile or property. If you total a $50,000 dollar car and have a $25,000 dollar maximum you may be held liable for the other twenty-five thousand dollars that the car is worth.

The above coverage limitations are probably not enough to protect your financial assets in the case of a serious accident. It is a good idea to increase your coverage level and it will probably only cost you a few extra dollars per year. Automobile insurance coverage is too important to have low coverage limitations on your policy.

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We'll also give you a free list of the best Huntington Beach auto insurance providers.

Affordable Auto Insurance - Why You Save When You Shop Online

Some people would wonder why they are told they would save just because they shop for their auto insurance online. Let's try to look at some very obvious point you may have missed and you would understand and take advantage of them.

Business usually have costs associated with staff allowances, maintenance of their buildings and equipment, payment of bills which include telephone bills amongst other things.

When you apply for auto insurance online you have just saved the insurance company some cost. No one would have to physically attend to you until at a particular stage, follow up calls have been greatly cut down, business hours has been increased without an increase in cost.

When you apply online, the form is on the web page, you fill it and send it without having talked to anyone. You get your quotes having eliminated a lot of processes.

Insurers are able to have people apply at all times of the day increasing their client base but not increasing the amount they spend because online, you can apply anytime of the day, any day of the week. Can imagine if the insurance company had to employ people to make this happen physically?

In addition, you get to quickly access lots of quotes from several insurance companies giving you the opportunity of deciding on which insurer you want to go with until you are sure of what they are offering.

The insurance company gains by your applying online. You also gain. In fact you can gain a lot more if you are very aware of this and seek to explore it.

Explore by comparing quotes. Here are two very reputable sites for your quotes comparison. insureme Auto Insurance Quotes

Hometown Auto Insurance Quotes

Chimerenka Odimba is the publisher Several finance based sites.

Help, I Need Cheap Auto Insurance

Car insurances may vary across states, likewise, they also vary across insurance companies. Insurance agents are not even required by law to present to you those discounts that might be applicable to your insurance. Therefore, it is very important to first determine the things you need to know before getting yourself a car insurance.

Have a single insurance company

If you own more than one car, register them under one insurance company. Most insurers can give you a multi-car discount if you have all your cars insured under a single insurance company. They can even offer you more discounts if you will also avail of their other insurances such as home or health insurance.

Increase your deductibles

The fastest way to have a cheaper car insurance rate is to increase your deductible. Increasing your deductibles can lower down your insurance premium by as much as 15 to 20 percent. You may also opt to pay your total amount of your premium on the spot. By paying the whole amount you can do away with the interest charges that will cost you if you will have your premiums by installment. The canceled interest charges would already be your savings. Some companies would even give you discounts when you pay your total premium at once.

Consider your car's record

Your car model can also have an impact to your insurance premium even if you have maintained a clean driving record. There are some models which are now too costly to repair while other models are prone to theft. Check the record of your car if it belongs to those that are often stolen. In addition to this, you may also improve your car's security. Install some security device in your car such as a security alarm, immobilizer or a tracking device. Having these devices may even qualify you for some discounts from your insurers.

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Cheaper Liability Car Insurance Rates

In today's world it is important to protect our assets such as our vehicles and the only way to protect it is through liability auto insurance. It is important that we can have maximum liability auto insurance coverage for our vehicle, but we know that car insurance can be expensive...or not?

Sometimes, it's sad to think that a lot of people don't spend some time to shop around and are paying high amounts of premiums than they should. If you are one of those people who are paying high premiums, you should follow these tips to save money on car insurance and you'd be surprise that it only takes a small amount of time to reduce that expensive car insurance cost.

? Always shop around when it comes to car insurance. It is important that you get quotes from several car insurance companies. You could also use a comparison website so comparing is quick and hassle free. This is the only way you can be certain that you are getting the cheapest auto insurance rate. But always compare quotes with the same coverage that is offered and remember that cheap car insurance doesn't mean few or no coverage at all.

? Once you found a cheap liability auto insurance quote, you need to check if the car insurance you picked has good reputation. If the car insurance that you picked is from a car comparison site, visit the original website of the company and acquire quote from it to see if both quotes are the same. If you're not familiar with the insurance company, better check your states department of insurance if it has complaints regarding claims, it would be frustrating to think you are saving but you're really not.

? If you want cheaper premiums, raise your deductible. A deductible of $1000 from $250 can save you $100 off your premiums. It's sad that people choose a low deductible; they think they are saving because they only have to cash out a small amount of money when they have to submit a claim.

? Always ask for discounts because most major companies have something to give. See if you are eligible for a low mileage discount, safety and security discount or if you have a good driving history, they might offer you cheaper rate.

Those tips can guarantee you cheap car insurance. Remember, always shop around and balance the cost and quality of service.

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Can You Afford to Insure That New Car?

We all go through several different cars in our lifetimes. The usual path is to start with the cheapest car you can afford to buy as a new driver, and then gradually upgrade to a better vehicle over time. But what about buying a brand new car? Does that appeal to you - or do you think the costs associated with doing so aren't worth shouldering?

It's true to say that we often get drawn into the idea of buying something new. After all, a new car does have its benefits, such as it will have a guarantee against anything going wrong. But the price of buying a new car can be prohibitive; especially where insurance is concerned.

The problem is that we get attracted by the lure of a shiny new car, and we don't always think about whether we can afford it financially until later on. That is why it is vital that you check out whether or not you can actually get insured on the car you have your eye on, before making a firm commitment to buy it.

This also has the advantage of giving you some breathing space to think about whether the car you are interested in is really for you or not. As you will know, the heart really can rule the head at times, and it could be an expensive mistake to find out that the car doesn't suit you practically.

The trick is to get as much information about the car as you can. Therefore, investigate the various car insurance premiums that are available and get some quotations. Some people find that they cannot get insured at all on the car of their dreams, whilst others discover that the cost is too much to pay on top of the car itself.

What's more, it is always important to think about what your monthly budget is like. What is the most you can afford for your insurance payments? Even if you can get insurance it doesn't mean it will be cost effective in your case.

Men and women will also find they get very different quotes for driving a new car of some type. The car insurance women buy will tend to be cheaper than that offered to men. But, the most important question is whether or not it is within your budget to pay it.

Of course, we would all love to drive a brand new car every day. However, it is important to weigh up the costs of purchasing a new car before making any firm decisions; ensuring you receive the best deal possible for the long-term as well as the short-term.

Adam Singleton writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.

Could Bikers Harm Your Car Insurance?

As thousands of bikers dust off their motorcycles with spring in the air, it is car drivers that need to be on the lookout.

Motorists need to be more vigilant for bikes as many grow used to not having them around. There are around 1.6million motorcycles in the UK and riders are very much under threat from other road users because fewer than 20 per cent of all motorcycle accidents that involve another party are wholly or partly the biker's fault, according to the AA.

Being involved in an accident with a motorcyclist could have a serious affect on your car insurance premiums, not to mention the damage it could cause to the motorcycle and the biker.

Any accident involving another motor vehicle must be reported to an insurer. If a claim is necessary you could wipe out your no-claims discount and even if you haven't built up a bonus already your renewals could increase significantly.

So what should motorists do to avoid these expensive car insurance claims?

The key is to be aware that motorcyclists are out there and to be extra vigilant. When turning on to a main road, be sure to look in both directions and look again as you are turning. Check your side mirrors regularly while driving and watch out for bikers that may weave their way through stationary traffic. Always check your blind spot before making lane changes as you may not spot a motorcyclist until it is too late. Think about your speed and road position and make sure you use your lights appropriately so you can see and be seen.

If you have made a car insurance claim in the past and are facing high premiums, don't panic. Shop around for cheap car insurance online with a comparison website and you may find more comprehensive cover for less.

Online Car Insurance Company

Searching for "car insurance" in any online search engine will likely turn up hundreds, if not thousands, of websites that will either offer car insurance or offer to compare car insurance companies and quotes. It can seem a daunting task to find one that is inexpensive, reliable, and most importantly, reputable.

Name recognition is a factor to consider. Immediately remove from the list any online car insurance company that is unfamiliar. This also goes for any car insurance comparison sites that list similarly unfamiliar sites. Even an online search and on online comparison sites, there should be some companies with good name recognition. It is not a good sign when none of the names involved are recognizable. Even companies that do not advertise, for whatever reason, should be cleared with friends or families who have used the company in the past and can verify it is worth the money.

Even with those companies that are recognized, or even well-known, do some research before making any commitment. Review the company's website, read some customer reviews, look up the company's business rating, and see if there are any lawsuits or complaints that can be found. To be especially thorough, one can even call or email the car insurance company in question and ask for more information in the mail. Most companies would be glad to send a packet of information - and even the presentation of this packet can be informative. If it is simply some dittos stapled together, and not a professionally-made product, that is a red flag. Most reputable companies will also have a physical address; there should be a corporate office, if nothing else. Any company that only has a post office box, email, and maybe a generic call center is likely not worth the money, and may even be somewhat dishonest.

Even once an online car insurance company is found, after all that research and double-checking, that does not mean there is an iron-clad obligation to remain with that company forever. Should negative rumors start to filter down about the company, or customer service is not polite and helpful or even responsive, it's time to move on. There are other companies out there that will treat their customer's right.

The good thing about there being so many online car insurance companies to choose from is the great choice of where to find coverage. Due to the Internet, no one ever has to correspond by mail. Now signing up for car insurance or switching companies can be both easy and painless. Instead of taking weeks, and perhaps a visit to the insurance office, a change can be made in a matter of days.

The most important thing is to remember to do all the research required and do a thorough job of it. It will do no good to find an online car insurance company and pay the premiums, only to find the company does not really cover all the claimed to insure from the start.

If you would like to Compare Car Insurance Quotes in South Africa please visit our website. Car Insurance Comparison Sites

Car Insurance Comparison Websites - A One Stop Shop

Working your way through the car insurance minefield can be a daunting prospect. Even in these days of the internet and the availability of a plethora of comparison websites, making sure that you get exactly what you want can still be challenging and you need to consider many factors, not just price.

Long gone are the days when you had to do all the work of ringing around insurance companies or getting an insurance broker to do the work on your behalf. Now, it is as easy as sitting down in front of your home computer, entering your personal details and letting the web quote engines do the work.

Or so it would seem; however, it's not quite that simple. Car insurance comparison websites cannot access all the insurers that would be willing to cover your vehicle, as some insurance companies prevent comparison sites from trawling their quotation engines. Therefore, any potential deal they may be able to offer is not notified to you - the potential car insurance buyer - in their summary results.

So, if you are going to use a comparison website to find your next car insurance policy, ensure that it is a reputable award-winning one - such as a site that has been independently rewarded by a neutral financial institution. If you see such awards on a comparison website then you know that it has genuine quality when it comes to finding you the best deal.

Once you have found such a website make sure that when you compare car insurance quotes you are not focusing simply on the premium quoted but the entire policy package; compare the level of cover offered including such items as the voluntary and mandatory excess levels in addition to other benefits offered.

When you compare car insurance quotes you may find that they can vary widely and in some cases it is because the benefits of cover are so different. If one quoted premium is far lower than the others then it may be because the level of cover is not as comprehensive as others. So, for example, make sure that it's not just third party, fire and theft cover, which can be an affordable alternative but does not cover your own vehicle if you are involved in an accident for which you are culpable.

Finally, make sure that when you request a car insurance quote - whether by a comparison website or directly to an insurer - that you fully disclose all the information requested. You must give details of previous claims and motoring convictions as they will affect the premium you pay. If you do not disclose all the information requested, your cover may be invalid.

Paul McIndoe writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.

A Guide to Keeping Car Costs Down

It's human nature to want to protect the things that are valuable and important to us. But whilst prevention may be better than the cure a lot of the time, sometimes life's little mishaps are simply unavoidable, which is why many people put measures in place to cover themselves should an unfortunate incident take place.

Countless people across the country rely on their cars to get from A to B. Whether they live in the country and need to get to work or they have simply become accustomed to the freedom that having private motorised transport brings, a car is certainly one thing that many people could not do without.

But there are many expenses attached to sustaining a car. There is the road tax, petrol, MOT, general maintenance costs and, of course, car insurance. So cars can be rather expensive items to keep on the road, but with a little know-how and financial savvy it is possible to minimise the monthly motor outlay.

Car insurance premiums, for example, are one of the easier expenditures to manage and it all starts before the car is even purchased. The one golden rule to remember is that insurers will base their premiums on perceived risk. For instance - fast cars with powerful engines are usually more expensive to cover, whilst soft top cars often carry heavier premiums as they are easier for thieves to break into.

It's also worth considering adding an older, more experienced driver to the car insurance policy, especially if the other driver is young and has only recently passed their driving test. However, it's important not to claim someone as the main driver when they're not; this is known as 'fronting' and is a form of insurance fraud which could invalidate the policy.

Another good way of keeping car insurance costs down is to consider driving less. Some car insurance providers will reduce the premium costs if the driver agrees to an annual mileage cap; the theory being the less time spent on the road then there is less chance of being involved in an accident. This may be a good idea for households with two cars, one of which is used sparingly.

Ultimately though, the best car insurance premiums are usually offered to those with a good track record on the roads. And whilst there are useful hints and tips that can certainly help to lower the costs in the short-term, there is no getting away from the fact that safe drivers who are careful to avoid getting on the wrong side of the law will ultimately receive the most favourable car insurance prices.

Victoria Cochrane writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.

Do You Make These Mistakes When Buying Motor Trade Insurance?

What do you really want when buying business insurance and specifically motor trade insurance? Low premiums, excellent service, advice and guidance, fast claims settlements when you have suffered a loss and friendly and helpful advice from people who know what they are talking about? So many motor traders want all of these things and more but make the mistake of not demanding it from their insurance broker or provider.

The first mistake many motor traders make is due to apathy and the fact they really cannot be bothered to shop around for an alternative insurance broker when their current broker does an ok job for them. This is perhaps understandable when the purchase of insurance is deemed as a long and arduous process. However, by failing to see what else is available, motor traders are in many cases losing out on making what could be substantial savings on their combined insurance premiums.

The insurance industry is no different to the auto industry in that it is highly competitive. For this reason insurance brokers are keen to get your business and in some cases can offer you extremely good deals compared to your current insurance broker. If your current insurance provider does not therefore provide you with all the benefits highlighted above, do not be put off by spending 10 minutes speaking with another broker as it really could be the best 10 minutes you spend this year.

And even motor traders who are prepared to shop around for the best price make a mistake by not disclosing their current premium. Motor traders and businesses in general believe that by disclosing their premium they will not get the best price. In reality the opposite is actually due as unless an insurance company has a price to beat, they will very rarely come up with their very best price. If you are therefore shopping around and someone asks you what your premium is, tell them as this will increase the chances of you saving money.

The final mistake businesses who buy and sell cars, service vehicles or carry out mots make when buying their combined motor trade insurance is to make their decision purely on price. This is especially so nowadays when every penny or cent counts. Therefore when shopping around for motor trade insurance you should ask not just what the premium is but what cover does the policy give you, what credit rating does your broker and insurance company have and what experience do they have in dealing with motor trade insurance. Find out these things and there is every chance that when your renewal is next due you could find the amount you pay fall considerably and some of the money you paid last year ends in up in your pocket and not the insurance companies.

Buy your motor trade insurance wisely and do not make the mistakes that so many other motor traders make. Do this and watch your motor trade insurance premiums fall.

This article was written by Mark Burdett of NCi Motor Trade. Mark has over 17 years Marketing experience in the Financial Services industry and has worked on campaigns for companies including Norwich Union, Kia and Zurich.

Now based in Newcastle upon Tyne Mark is Marketing Manager for one of the UK's Leading Motor Trade Insurance Brokers - NCi Motor Trade. For all your Motor Trade Insurance needs call NCi Motor Trade now on 0800 046 1446 or visit http://www.ncimotortrade.co.uk

The Benefits of Shopping For Auto Insurance Online

By a show of hands, is there anyone out there who really likes shopping for auto insurance? Yes, there's a little bit of a thrill that comes from trying to shave dollars off your premiums and use the system to beat the system, but other than that most people find shopping for auto insurance painful, tedious and ultimately unsatisfying.

That's why many people are choosing to buy their auto insurance online.

There are a number of benefits to shopping for auto insurance online:

1) It's easy. You don't have to look up hundreds of phone numbers or try to figure out if they service your area. A search engine can do that for you. All you have to do is click on a webpage and fill out a form to have a personalized quote tailored to you and your car in a matter of minutes.

2) It's quick, for all the reasons we just described. When you're not buying auto insurance online you're spending hours on the phone with agents trying to ask question, look up information and, as often as not, sitting on hold waiting for an agent to be able to help you. Shopping online eliminates all of that.

3) You can shop around. Every auto insurance company that's anybody in the insurance world has a website, which means you have instant access to insurance companies offering coverage in every state from Maine to California. You never have to take their first offer simply because you're not going to have time to look anyplace else.

4) Many companies offer discounts if you decide to buy auto insurance online. Discounts. Saving money. Does that really need any more explanation?

5) You can completely bypass frustrating customer service agents, saving you from having to deal with the human factor-not always a good thing, but much better than trying to deal with an inexperienced agent. Most insurance providers have a "chat" feature that lets you talk to an experienced agent trained specifically for people who are having trouble finding their way around the website. These agents have a very good idea of what their company can and can't do-and more importantly, where to go to get their questions answered.

Buying auto insurance online is only one of the many perks of having (and using) the Internet, but when you look at the amount of time and money you'll save by not having to go shopping for a policy in person you'll find out that it's more than worth the investment.

Michael McDonough is a National Account Executive for QuoteScout.com. Since its launch in 1996 QuoteScout.com has been matching consumer requests for insurance quotes with multiple agents and providers. For more information about buying auto insurance online, visit them on the web at http://www.QuoteScout.com

Cheaper Car Insurance For Your Teen Driver

You knew it was coming, but it always comes as a bit of a shock when the day finally comes: The day your sixteen year old stands in front of you and holds out their hands expectantly, brand new driver's license burning a hole in their pocket. Handing your teen the freedom to drive can be scary. Even scarier is the thought of what your teen is going to do to your car insurance. Fortunately, there are plenty of things that you as a parent can do to guarantee cheaper car insurance for your teen driver.

Have you seen the statistics floating around out there on teen drivers? A teen driver is, statistically speaking, ten times more likely to get into an accident than a thirty to fifty year old driver. That means that their insurance provider is ten times more likely to have to pay out one or more claims each year. Most insurance providers don't like those numbers. They don't make profits when they're paying out thousands of dollars worth of damages for a driver that's only paying them a couple thousand dollars a year in premiums.

To compensate for that loss they're going to raise the bar as high as it will go to insure your teen driver. Since teen drivers aren't allowed to have their own insurance policies your insurance policy is going to be the one to take the hit. Since you can't beat the system, you're just going to have to find a way to make it work for you! To lower your premiums for cheaper car insurance you're going to have to do a couple of things:

1) Talk to your insurance agent about what discounts you and your teen might qualify for. A ten percent discount for air bags might not have meant much to you when the difference was only a matter of a few dollars (courtesy of your superior experience and spectacular driving record), but with a teen driver added on to your policy those tiny, previously insignificant discounts might be the key to cheaper car insurance.

2) Talk to your teen. Since teen drivers don't have good credit or a strong driving record to show how responsible they can be, both behind the wheel and out in the real world, most car insurance providers are willing to consider their academic record. This might be a good time for your underachiever to hit the books and start spending some quality time on the honor roll and (for college students) Dean's list.

3) Consider getting them their own car. It's going to cost you a fortune to insure your $87,000, 2009 Jaguar XK convertible with your teen behind the wheel. It's a simple matter of numbers; it's going to cost your car insurance company more to replace it, so it's going to cost you more to insure it. On the other hand, a cheap, $2,000 secondhand Honda isn't going to cost much if it's destroyed. Getting your teen their own secondhand clunker (and making it the only car they're insured to drive) will go a long way toward helping you find the cheaper car insurance premiums you've been looking for.

4) Raise your deductibles. It's an old game, but if you want cheaper car insurance you need to raise your deductibles. When your insurance provider pays less after an accident you pay less the rest of the year. It's the only premium reducer guaranteed to give you the results you've been looking for.

Relax! There's cheaper car insurance for teen drivers out there today than there was a few years ago, so hand your teen the car keys, sit back and enjoy the ride.

Clifford F. Berman is CEO of QuoteScout.com. Since its launch in 1996 QuoteScout has specialized in matching consumer requests for insurance quotes with multiple quotes from both local agents and national providers. For more information about cheap auto insurance for your teen, visit them on the web at http://www.QuoteScout.com