How to Save Money on Auto Insurance by Christian Rios
The cost of your car insurance premium is dependent on many factors. Some of these are within your control (your credit history and the type of car you drive), and some are not (such as your age and where you live). If you follow the guidelines in this article, you can keep your insurances premium as low as possible.
Shop Around � You should get multiple quotes before you agree to any insurance contract. Get direct quotes from the major companies and their agents. You should also get a few quotes from online sources and possibly even talk to independent insurance agents who represent multiple companies. With a sampling of insurance quotes, you will have an idea of what you can expect your insurance premium to cost. But don't decide based on price alone. You should research each of the companies you are considering. Find out such things as: do they have a local office near you, what is their process for filing a claim, do they have a reputation for strong customer service or are they known for being hard to work with, and are there a significant number of complaints with the state insurance department. In addition to performing your own research, you can contact independent rating companies such as A.M. Best, Fitch, Standard & Poor, Weiss, and Moody's. These companies rate the financial strength of insurance companies. You can find their respective websites by performing an online search.
The company with the lowest rate most likely won't be the company with the best service or the most hassle-free method for filing a claim. It's up to you to determine what is most important when purchasing your auto insurance.
When purchasing a new car, compare insurance premiums before you buy. The difference between insurance premiums can drastically vary from car to car. So, before you get your heart set on a particular brand and model, you should compare insurance costs on several cars that are similar to the one you want. You might find the car you are in love with carries a substantially higher insurance premium than another model.
Higher deductibles � The higher the deductible you choose for each form of insurance, the less that particular premium will cost you for the year.
Use the same insurance company for all your insurance needs � Insurance companies will give discounts if you purchase multiple forms of insurance from them such as Life Insurance, Auto Insurance, and Home Insurance.
Low-mileage discounts � Most insurance companies offer discounts for motorists who drive less than the average number of miles on a yearly basis. This is especially true for antique or collectible car policies, which usually have insurance programs designed specifically for low-mileage use.
Unless it's an antique, don't purchase comprehensive or collision � If you drive an older car and its cash value is low, it might be a good idea to avoid the comp and collision policies altogether. Unless the value of the car justifies paying for the high premiums, it's much more economical to simply forego those particular insurance options.
Safe driver discounts � There are insurance companies who specialize in providing discount policies for safe drivers. If you have an impeccable driving record, you should seek out those insurance companies who reward good drivers.
Inquire about discounts � Some discounts are not always advertised and the only way you will find out about them is to ask. Some of those discounts include: student drivers with excellent grades, anti-lock brake systems, low annual mileage, drivers who are 50+ years of age, no accidents in 3 years, no moving violations in 3 years, higher deductibles, multiple car discount, daytime running lights, anti-theft device. This list is by no means complete. You should ask your insurance specialist if there are any discounts that may apply to you.
Learn about liability insurance here: california car insurance quote online. For quotes, visit car insurance quote new jersey. Learn about optional coverage here: best best affordable car insurance quote online.
Article Source: http://www.articlerich.com
niedziela, 18 listopada 2007
How to Save Money on Auto Insurance
Where To Go For An Instant Car Insurance Quote
Where To Go For An Instant Car Insurance Quote by John Hilaire
An instant car insurance quote is really the prime thing that you should be looking for when it comes to finding the best auto insurance policy possible, because these quotes are going to be what you will be using in order to make the best decision in terms of which particular policy to go with.
Where to get an Instant Car Insurance Quote
There are actually quite a few different companies that offer you an instant auto insurance quote, one in particular being 1st Quote. They are a car insurance company that has over thirty years of experience, and as a long established nationwide tele-broker, they truly pride themselves on their ability to be able to quote for any insurance risk.
They strive to provide all of their customers, those who are already policy holders as well as those who are simply calling to get an instant auto insurance quote. They have in place for your benefit many various different longstanding schemes across the insurance market in general and with the aid of superior technology they are confident of being able to meet all of your motor insurance requirements, and all at the right price.
Another company that offers you an instant car insurance quote is Kanetix. They are one of the most well-established and well-known companies in the world when it comes to auto insurance policies, and all have to do to get your instant quote is log onto their site, and complete their quick and easy form that will allow you to compare multiple online care insurance quotes in a matter of minutes.
As well you will be able to get additional quotes delivered to you instantly via email for even more choices. You will get instant insurance estimates from many of the top insurance companies across the world, and you can compare and contrast each auto insurance company in order to find the one that offers you the best coverage at the most affordable rates.
Shopping for auto insurance is really all about finding the right coverage at just the right coverage, and you can only do this by taking your time, putting in the effort, and getting quotes to use to compare. At Kanetix they want to help you along every step of the way, and their online quote comparison service offers you access to instant online auto insurance quotes where you can compare various car insurance coverages.
For more information and articles on Car Insurance In Newark and Car Insurance Houston Texas please take the time to visit our website at http://www.carinsurancenewark.org.
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Keep Your Car Expenses Under 10% of Your Income
Keep Your Car Expenses Under 10% of Your Income by Jeff Beale
If I could pick the number one thing that I see among young adults in their 20s and 30s that keeps them in the financial hole, it is spending way too much money on car expenses. My advice to you is to be sure that your car expenses, which includes a car payment, insurance, gas, maintenance, and anything else that it costs you to own your car, under 10% of your gross income. So if you make $3000 per month, your car expenses need to be $300 per month or less. Yikes! But for many young people the car insurance alone is $150 per month. Gas is another $100 per month. That is $250 already! We haven't even talked about a car payment yet. This is why I talked earlier about paying cash for everything you want so that you can be sure that you can afford it.
Most people who start tracking their spending, paying themselves first, and resolve to stay out of debt begin to buy used cars. They realize that there just is not enough money to go around to buy everything that they want. Let's look at the numbers for a minute so you can see why I recommend that you keep your car expenses under 10%.
Gross Income 100%
Taxes 25%
Savings 10%
Housing 25%
Car expenses 10%
Everything else 30%
Everything else includes clothes, vacations, gifts, medical expenses, child care, pet care, entertainment, insurance, education expenses, and unexpected emergencies. If your income is $3000 a month, that means you have just $900 per month for all of these "everything else" items.
If you decide to spend more than 10% on your car expenses, then you need to decide whether you want to spend less on housing or whether you want to spend less on this "everything else" category. What happens instead is that most people just spend more without thinking about it, and then the 10% that they need for savings has been eaten up. Of course this is why I always say pay yourself first by funding your savings first thing, and then decide that you are going to live on the rest.
Jan Dahlin Geiger, CFPŽ, MBA, is the author of Get Your Assets in Gear! Smart Money Strategies. Jan is also a frequent speaker on financial planning topics to a variety of audiences, which include civic groups, PTAs, churches, schools, investment clubs, universities, and prisons. Jan holds money management and investment seminars in her office as well. For more financial management advice and strategies, go to www.getyourassetsingear.com or get Jan Geiger's book Get Your Assets in Gear! Smart Money Strategies.
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Your First Car Insurance Doesn�t Have To Be A Problem
Your First Car Insurance Doesn�t Have To Be A Problem by Lara Sawyer
Purchasing car insurance for the first time can be stressful. Thus, most people just accept what the dealership or car loan lender offers and don�t bother to shop around for the best car insurance offer available. What these people fail to understand is that a small difference on the monthly payments of an insurance premium can result on huge savings. Furthermore, if the payment of the premium is not done in installments savings can be even higher.
When purchasing your first car, the insurance may not be your priority, but though that may be understandable, you still should worry about it a bit. Remember that the cost of insurance is not the only issue. Proper coverage will protect not only your recently acquired vehicle but also yourself and third parties from damages and liability. Therefore, giving some thoughts to your first car insurance is definitely a good idea.
Why Car Insurance?
Some wonder why they need car insurance and even consider the possibility (such consults are received) of not buying it. What you need to understand is that the situation is not that simple at all. The department of motor vehicle requires you to have insurance both to protect yourself and to protect others too. In case you cause damage of property or injuries to third parties, you will be held responsible but the insurance will pay for it. That way the law makes sure that even those who wouldn�t be able to afford the proper reparations otherwise, do.
Since car insurance is required by law, non compliance carries severe punishments. There are simple fines if you are required by authorities to show proof of insurance and you can�t comply but for repeated offences or if you are involved in an accident without having car insurance you can lose your license and won�t be able to drive for a long time.
Getting Affordable Car Insurance On Your First Car
Even though that you may be a first time car buyer, that doesn�t mean that you need to pay an expensive car insurance product. Though you will have to purchase more expensive car insurance than those that have been driving for many years now (without participating in many accidents), you can still get good terms on your first car insurance policy if you are careful enough.
First of all, you need to research the different car insurance products available to you and decide what kind of coverage you need according to your vehicle and the use that you will give to it. Secondly, you will have to request different quotes from insurance companies providing them that information. Insurance companies are everywhere: you will find advertisements on TV, magazines, and on the internet. Each insurance company has an online website and there are other sites offering insurance comparatives. Make sure to request several quotes before starting your own comparison.
Get familiar with car insurance discounts and see which ones you are eligible for. That way you will be able to reduce your insurance premium to a more affordable state. Some insurance companies rank their clients according to how many accidents they have, whether they have an inside parking space, etc. Therefore, if you think that you will be able to benefit from those clauses in the future, it might be wise to purchase that type of car insurances.
Lara Sawyer is a professional loan advisor who helps people to get the best Insurance Quotes and Personal Loans. At http://www.fastguaranteedloans.com/
you'll find all of her tips on how to get approved without hassles.
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Looking For A Good Insurance Company
Looking For A Good Insurance Company by Debbie Groves
When your insurance premiums are beginning to climb, you have to consider looking for a lower rate. No matter if you want insurance for your home, your car or you are looking for a life insurance, you must be sure to get the best for a low price. Try reading what's next, you may find a few tips to help you
1. Consult your present carrier. Ask if there are ways to lower your premium. Maybe he will recommend policy changes such as raising the deductibles for you can pay less. If your marital status, age, or educational level or attainments have changed, if you are driving a different vehicle than before, or if your driving patterns have changed, these also may lead to a reduction in your premiums. You can pay one bill a year, rather than small ones every month and that can lead you to a discount.
2. Shop by telephone. Visit the yellow pages of your telephone directory to see what other insurers have to offer. You may see that many insurance companies have huge
advertisements that include a list of benefits and even detailed information about rates. Call a few numbers to compare quotes for your business. Be sure that the company enjoys a good reputation in your community before switching insurance providers. When in doubt, check with the Better Business Bureau.
3. Surf the Internet. Nowadays, the majority of the companies have their own webpage and they have useful information there. You often can learn a great deal about an insurance company by visiting its site and seeing what is displayed there. Rates, policy types, and other information can provide instant answers to some of your questions. Some sites provide query options for requesting a quote by email. Just be sure the site has been recently updated, and you may want to follow up with a telephone call if your email is not promptly answered. This type of shopping is fast and efficient.
4. Connect insurance policies. Whenever possible, keep your insurance policies with the same carrier. Doing so often allows you to enjoy certain benefits that are not available to those who parcel their coverage through several providers. Find out how to get the best prices by combining policies or considering riders.
Try searching for discounts because insurance costs are increasing. Ask about possible savings if you don't receive promotional offers or invitations to request a quote. All you have to do is ask some questions to your provider before you renew your policy.
Debbie Groves is the owner of Auto Insurance Quote People auto insurance quote which is a premier resource for auto insurance quote information. For more information, go to http://www.autoinsurancequotepeople.com
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Mexican Car Insurance - The Lowdown
Mexican Car Insurance - The Lowdown by Lee MacRae
If you are someone who likes to take your vacation traveling by vehicle and you are planning to go to Mexico, there is something you should keep in mind. Your regular auto insurance will not cover you in Mexico!
Many people do not realize this. There are a number of people who have traveled along many of the states bordering Mexico and thought they would simply take a sojourn across the border. But your American or Canadian automobile insurance and coverage is not valid once you cross the border into Mexico itself. If you get in an accident, even if you are not at fault, you could still be put into jail for failure to have valid liability insurance coverage for Mexico itself. And just imagine the problems you would have with the Policia if someone is injured in an accident where you don't have any coverage! More than likely you would be arrested on the spot and I don't think anyone wants to spend time in a Mexican jail.
Another problem can occur if you damage your vehicle, or it is lost or stolen, and you need to either replace it or repair it while in Mexico. Once again, your Canadian or American policy will likely not cover it and you will need to find some way [probably inexpensive] to get back across the border into the United States to take care of your problem. You're much better off having insurance that will cover these types of expenses within Mexico. Good Mexican car insurance will keep you from spending a lot of time dealing with Mexican authorities in many cases.
And always get an insurance policy that can quickly and be easily renewed or expanded beyond the cut off date if you want to or need to spend a few more days in Mexico. Of course, you should always make sure your insurance extends at least a little bit of time beyond your expected stay, but you should always be prepared for the unexpected, like Montezuma's revenge! You never know what can happen and you should always be able to call and get a quick extension if necessary.
Another important aspect in getting Mexican insurance is getting a policy with a company who will have claims officers who will take your phone call and can speak in your language. Usually these phone operators are bilingual but you have to make sure before you need to. And you will have to make sure that the claims adjusters who are sent out to visit you are bilingual as well. It can save you a lot of headaches.
Before driving into Mexico, always check with your insurance agent to see what coverage you have and what you will need. Sometimes, Americans can find they do have some coverage and they simply need to buy more. Canadians on the other hand rarely have any kind of insurance that covers them for Mexico. And quite often the Mexican authorities will only recognize auto insurance written through Mexican insurance companies. Always make sure you know exactly what you have what you need before you leave home.
If you need Mexico auto insurance you can find it at find insurance online
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Cheap Car Insurance Quotes Online Can Be Compared by Ricky Lee
Car insurances are quite tricky, if they have not been researched. Anyone who buys a car will have to do some research for these quotes before deciding which one to buy. Cheap car insurances quotes online will save the users a lot of time, and they may benefit from these online quotes. They will be able to save a lot of money too, as they will get the best quotes without being biased.
Various benefits will be available too with the insurance quotes if they have been gotten for cheap. These will offer services to cover all the areas that are required. It can cover the situation, as long as the users have explored all the ways of buying the cheap insurance. The consumers will have to get coverage for those situations that will not be their fault, and must always ensure they get the right scheme.
Sometimes there will be extras included with certain schemes, and it will vary from company to company. Getting cheap car insurance quotes online will be very easy and also will save time. Rates can be compared easily with all the companies, and consumers need not go anywhere to get this done. Once these quotes are given, they may also compare the rates of other companies.
By doing so, they are likely to get all the best deals for the cheap car insurance quotes online. They save money, and will also get it done with hardly any effort. Consumers also need to be aware how exactly they need to make a claim with what they get. All trusted companies can be found through these quotes, and they will be experienced with the services.
Not only quality can be gotten, the best benefits will be available from these cheap car insurance quotes online options. The insurances can also be bought online, and this will be the easiest way for anyone.
Discover the best free line auto insurance quotes online. Visit Ricky site today for more tips on finding the best car insurance rate quotes online.
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Cheap Car Insurance - Get Online Instant Quotes With The Power of the Internet by Tim Croy
You can be sure of not getting a car insurance cover free of charge as you do not get free lunch anywhere in the world. What you can do though is cut down on the premium which you may pay on your car insurance policy. By controlling some factors from your end, you could end up paying lesser premiums on your car insurance which further allows you to access some of the Cheap Car Insurance Quotes.
What factors result in Cheap Car Insurance Quotes?
To understand this, let us rule out some possibilities. First, the car insurance quotes are generally high for teenagers (of age under 25). These are guys who are determined to drive in a risky manner historically. The insurance companies penalize this group of drivers by asking them to pay more for their car insurance covers. Secondly, if you are a senior citizen driver (Age above 55) the car insurance premium will be high as well.
In case of accidents, the senior citizens being the drivers may not have a fast road to recovery in case they suffer from injuries. These two points bring us to two important factors which can result in you getting Cheap Car Insurance quotes.
ˇ Get a bulky car to drive � It is historically proven that the bulkier and heavier cars are immune to accidents. They may be difficult to drive but have stood the test of time when it comes to accidents. If you do not wish to pay a lot for your car insurance covers, get a heavy sedan for yourself.
ˇ Allow your wife to own the car � Though it is considered to be a part of male ego to own a car, there is no harm in allowing your wife to own the car. This is extremely cost effective in terms of paying for the car insurance plan as men generally are bound to pay more than woman for car insurance covers.
Teenagers can get cheap insurance quotes too, by following simple safety standards while driving and getting good grades in the school that makes them eligible for plenty of discounts which the insurance companies offer.
For tips to help you get really cheap auto insurance, or to learn more about auto insurance companies that can help you save visit: http://car-insurance-choices.com
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Tips For 1st Time Car Insurance Buyers by Peter Owen
The increase in car sales across the globe gave the industry a massive boost. But besides the fact that new car dealers insist on proof of car insurance before they let a new car off their showroom floor, there are many factors why we need to consider it.
Like most industries, the most car insurance companies have also developed, to give short term insurance clients a product that best fit their needs. Still, many clients are not educated to know what to look out for.
First, car insurance is buying you peace of mind. Driving any vehicle has always some risks involved, but at least you have the peace of mind that in case of losses incurred as a result of accidents or theft of your car, these losses will be covered by your policy.
Most car insurance companies offer different options when ensuring your vehicle, so take time to know exactly what they offer and what benefit you will receive in case of a claim.
It is a good idea to shop around for the best rates, as different short term insurance companies might have different claim histories over a certain period and they normally base their rates on this. Also, you need a policy that best fit your personal risk profile, which means that your premium does not subsidize another insurance client for its bad risk profile.
When shopping for car insurance, you can consider comprehensive cover; limited cover and third party cover. Comprehensive cover covers you against loss and damage of your vehicle. Limited cover (fire and theft) covers you against loss of or damage to your vehicle caused by fire, lightning, explosion, theft or attempted theft. Some short term insurance companies offer a theft excluded policy. This covers you against loss of or damage to your vehicle excluding loss of or damage caused by theft or attempted theft. Car insurance includes insurance for your motorcar, motorcycle, LDV, caravan or trailer.
When deciding upon an insurer, also consider that your vehicles value decreases every month. You do not want to pay a premium based on an old car value, and most people do not read their policy wording which states that the insurance company will only pay the current book value of a car in the case of theft or total loss. So be sure to regularly adjust the value of your car on your policy to avoid paying an unnecessary high premium.
The point comes to this. Take time when you are considering taking car insurance and also remember to ask your broker to explain the policy in detail.
Peter Owen has worked as a car insurance agent for 7 years at a leading Insurance Company in South Africa. To get your free no-obligation car insurance quote, please follow this link car insurance
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Instant Car Insurance Quotes At Your Finger Tips by John Hilaire
Online instant car insurance quotes are a fast way to compare the difference of other auto insurance companies for the best possible premiums that fit your specific needs. If you are like other millions of Americans, you are wondering where you can find affordable insurance rates from companies that offer competitive premiums. Which insurance companies offer the cheapest or lowest price online?
When you are shopping for instant auto insurance quotes online, the quotes will vary from state to state, your age, driving record and many other factors that might come to play. The key is to find the insurance company that can provide you with the coverage you need that fits your budget.
The Benefits Of Instant Car Insurance Quotes
When you are researching for instant auto insurance quotes online, there are many benefits you can take advantage of. The first benefit is that you have the ability to look over all options that fit your needs and lifestyle before making a choice. After obtaining a couple of quotes you can look at them side by side and see what they have to offer.
The second benefit is that you can easily compare policies. After obtaining a few policies, look them over and decide which one will serve best for you at the time. The last benefit can help you choose which companies to look over at your own pace and at your own time. This will give you the ability to hunt for the policy that is best for you without having to deal with an agent.
Internet Saves You Time and Money
Overall, the Internet can give you instant car insurance quotes that go hand and hand. You can find everything that you need online simply by setting aside time to research your quotes, print them out and look at them in your own time and leisure. Comparison-shopping for instant auto insurance quotes is best done if you use the Internet. Comparing quotes will not only save you money on your insurance policy but you will also save time, and gas for your car.
Car insurance can be costly, but does not have to be, depends on what coverage you decide on, but it is necessary. Auto insurance is a must as it is part of owning and driving a car on the nations roadways. As time goes by, more types of coverage has increased, and the auto insurance industry gets more confusing when it time to shop for instant car insurance quotes.
The Internet can help you look at different policies and quotes. After looking at a few policies and quotes you can, then, decide later which one will fit your lifestyle. Having the flexibility to sit back and relax in your own home or office, when shopping for instant auto insurance quotes, will make the process much more enjoyable for you. With all of these benefits, why not use the Internet when shopping for instant car insurance quotes?
John Hilaire is a webmaster for the Car Insurance Newark related website.Find Car Insurance In Houston Texas at http://www.carinsuranceinhoustontexas.com.
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