Make Inexpensive Car Insurance a Reality

By Kevin Wynn

If you have a television set, chances are you have seen countless commercials where either a gecko tells you how to find vehicle insurance, or you hear about how one group is 'on your side.' No matter what clever jingo a car insurance company comes up with, for you, finding inexpensive car insurance may seem like a dream come true. After all, with the economy currently lowering, any chance to lower your monthly bills will probably be welcomed with open arms. The good news is, that it can actually be simple to find cheaper car coverage if you know the next few tips.

First of all, before you start searching for a new car insurance plan, you need to know exactly what is required in your state to keep you legal and on the road. For the most part, you probably are only required to have liability insurance if you own the vehicle that you want to get insured on. Thus, you may want to throw out comprehensive, medical, dental, collision, and any other extra insurance components that are raising your premium, especially if you are a safe driver for the most part.

However, one thing to beware is your insurance agent, because while they may tell you that they are giving you the lowest plan possible, this may not in fact be the truth. Insurance companies want your money, thus instead of giving you the best budget plan they can, they tack a few extras onto your liability that are adding up each month when you pay your premium. Be frank with your agent and tell them you want true minimal inexpensive car insurance, and strictly liability or you will switch insurers; you may be surprised to learn that they can cut your bill down some and still keep you legal.

The next thing you will want to pay attention to is your deductible, if you have an auto loan and cannot choose simply liability as your most inexpensive car insurance option. Often times, the higher your deductible, the lower your monthly premium will be. Thus, if you are a pretty safe driver and do not foresee an accident coming, and think that you can afford to pay a high deductible if you are involved in an auto accident, than you may want to consider raising your deductible and paying less monthly. For safe drivers, or drivers who are not on the road much, this is an excellent inexpensive insurance option because it is closer to pay as needed than pay just in case.

Finally, the last thing you have to do if you want the best insurance bargain is do some research, either online or out of your local yellow pages. The best way to find the best inexpensive car insurance that is going to meet your budget is to simply start looking for it. Compare every quote and estimate that you can, and you will end up with the most cost-efficient solution to your monthly car insurance bills.

For more information on the different types of Inexpensive Car Insurance, please pay a visit to http://www.inexpensivecarinsuranceonline.com

Car Accident Insurance

By David Millers

Collision auto insurance is an auto insurance coverage that covers damage to your car either when your car is hit by, or hits another vehicle, or object. The policy involves Payments to fix your car less your chosen deductible. You can select a deductible as large as you can pay to keep your premiums low. If you have an older car, dropping this coverage may be advisable, since the insurance covers your car according to its cash value. Coverage for collision is limited to the terms and conditions contained in the policy. Although this may not be required by a state, this policy may also be required by a lien holder in case of a loaned or leased car.

Collision Coverage Provision

You're responsible for paying the amount you see. This is called the deductible, or the portion of a claim. If you pay a higher deductible, the cost of your auto insurance premium is lowered.

You can benefit from the collision auto insurance coverage if your car is financed or leased. In this case, the finance company requires that you carry this coverage. People who have newer vehicles, or cars in excellent conditions, may need the coverage to replace the vehicle in event of any damage or loss. The scheme may not profit those with older cars or cars in poor working condition. Paying for this coverage, may not benefit them since the auto insurance covers the car in line with the cash value.

To give a more detailed explanation, Collision auto insurance policy protects your car from damage. All expensive repairs on your car can be paid for with your collision policy. And in an event of a "total loss" situation, your collision insurance pays you a cash value of the car, so you can replace it.

Even when you are at fault for the damage, Collision auto insurance still pays you out. In event of a third party damage, that is, if someone else damages your car, that person's liability insurance pays for your damages. Note also that the collision auto insurance policy only pays for accident-related damage. So you will also need other comprehensive car insurance policy to protect your car from other things like fire and theft. The collision Auto Insurance policy comes with a choice of deductibles. If you have a higher deductible, you will pay a lower monthly premium. This means that if you have a high deductible, you will pay more out of your pocket to replace or repair your car.

Sometimes, the law may not require you to have collision coverage. But if your car is on loan or lease, the terms of your car lease or financing deal might require collision coverage. There is also what is called gap coverage. This is a separate auto insurance policy that covers the difference between your car's worth and the replacement cost.

If you like the auto insurance collision policy, you can meet an auto insurance agent. You can get good advice regarding the policy. You can also find free online services where you can meet agents and get to get free quotes. You can learn more about the best types of policies at Car Accident Insurance.

David Millers reviews car insurance policies for http://caraccidentinsurance.net/index2.html

Auto Insurance - Ensure Satisfaction

By Chimerenka Odimba

Many of us have at some point made the mistake of settling for less than we want or a service we don't really like merely because a level of Auto Insurance is compulsory. Should this be so? Of course not. You have absolutely no reason to be dis-satisfied with your Auto Insurance coverage because there a thousand and one options out there and all seeking for your patronage.

With the competition amongst insurers, studies have shown that more customers are satisfied with their Auto insurance policies with pricing satisfaction topping the list. This has of course arisen from the drop in rates caused by competition amongst insurance companies.

So why are you dissatisfied with your Auto insurance coverage? Are you unhappy with the rates you are paying, or you are not happy with the service rendered? All these can be remedied.

First thing would advice is, begin a search fro what is on the offering by other insurance companies. See what difference you can observe and then you have one of two choices.

1. change your Insurer. Or

2. Revisit your current Insurer and seek a review of your rates.

If you ask me, I would recommend you simply change your insurer unless there is something attaching you to your current insurer.

How do you go about researching other insurance companies and getting to know what they offer?

Simply visit as many free quotes sites as you can. These service helps you get the best of coverages and at the best rate from the comfort of your home. You get to compare between several insurers which is why you are advised to get as many free quotes as possible. What do you loose? Nothing because its absolutely free and you are under no obligation to take up their offer.

Know that some persons have saved thousands by just doing this.

If you are unsure of how and where to start, you can start right here with these two leading free quotes sites. I highly recommend them.

Insureme Quotes Hometown Quotes Chimerenka Odimba is the publisher Several finance based sites.

Car Insurance Premiums Suffer From Whiplash

By Alex Gregory

It has been described by the Association of British Insurers as an epidemic - and now new research from the AA shows the true cost of mounting numbers of whiplash personal injury claims.

According to the report, 1,200 people claim for whiplash injuries every day in the UK - an increase of 25 per cent over the last five years. In 2007, there were 430,000 people claiming on their car insurance for whiplash injuries which cost the industry a cool £1.9 billion in compensation.

Unfortunately for car insurance customers, the companies have to get the money to pay for these claims from somewhere - and AA Insurance estimates that whiplash claims hike every car insurance policy in the UK by around £66. This is more than twice the cost of claims for accidents with uninsured drivers.

Whiplash is likely to become an increasingly important factor in future premium increases - already over the last year the average quoted shop-around car insurance premium has leapt by 8.7 per cent. So how can drivers protect themselves and avoid placing further pressure on their premiums?

The first step of course, is to avoid accidents altogether. While you can't always prepare for the actions of others, you can reduce your risk by insuring your vehicle is well-maintained and that you drive within the road rules. Stick to speed limits and leave suitable stopping distances between your car and the vehicle in front - two seconds normally, but double this in icy or wet conditions.

If an accident does occur you could avoid whiplash if you have adjusted your head restraints before driving. The top of the head restraint should be level with the top of the driver's head and it should never be lower than eye level.

Remember that any claim on your car insurance will wipe out a no-claims bonus and bump up your premiums. The only exception is if you take out no-claims discount protection - compare car insurance with a comparison website to find insurers that offer this feature.

How to Get Cheap Car Insurance

By Brad Huntington

In addition to being required by most states, a vast majority of people cannot afford to not have auto insurance. If your car were totaled tomorrow, would you be able to pay off your existing loan (if you have an outstanding loan balance) and replace your automobile?

For most people, this would be a crippling blow. Just because you need auto insurance, doesn't mean you have to pay an arm and a leg for it. The main goal is to pay the lowest premiums possible for the coverage you desire. But be careful! If you get a rate quote that is too good to be true, then it probably is. Make sure that any car insurance company that you select has good ratings as you want to make sure that they will be there when you actually need them.

Most insurance companies look at several factors when determining the premiums that you will pay. Among them are gender (men usually pay more), age (younger people usually pay more), marital status (single people usually pay more), vehicle classification (sports cars can have higher insurance rates than family sedans) and distances driven (the more you drive, the higher likelihood of an accident and the higher your rates). Below is a list of several things that you can do to help alleviate the sting of writing those premium checks to your auto insurance company.

• Shop Insurance Rates - Not all insurance companies are created equal. If you shop around, you'll find that their quotes aren't equal either. As a general rule of thumb, it is a good idea to get quotes from at least three insurance companies before you sign up for a policy. In 2004, Progressive Insurance conducted a study of more than 100,000 consumers in the United States. Their findings were that the rates for the exact same coverage can vary by more than $500 for a six month coverage period.



• Ask About Discounts - Make sure you get all of the discounts on your auto insurance policy as you are allowed. For example, if you have multiple policies with the same insurance company (i.e., car insurance and homeowners insurance), you are normally entitled to a discount. You can also oftentimes get discounts if you have completed defensive driving classes, are a member of a particular association (your college, a professional organization or even your employer), are a good student or have been a good (loyal) customer for longer than a year. The bottom line, ask your insurance agent for all the discounts that you might be entitled to.




• Raise your Deductible - When you get in an accident, you must normally first pay some set deductible before the insurance company kicks in and covers the rest. The higher your deductible, the less the insurance company will have to pay if you get into an accident. By raising your deductible, you can lower your annual insurance premiums.




• Improve Your Credit Score - While you may not see the correlation here, insurance companies like to insure people with good credit. If you have credit problems, your automobile insurance premiums are likely higher than someone with good credit. If you are getting ready to shop for a new policy, it might be a good idea to first have your credit report pulled to see if there are any ways that you can improve your credit score before applying.




• Drive Safely - Perhaps one of the easiest things for most people to do to lower than car insurance is to simply get in the habit of driving safely. If you have a lot of speeding tickets and accidents, you are going to pay more for insurance than someone who has no tickets or accidents. You'll find that insurance companies are quick to raise your annual premiums when you get nabbed for speeding or are the cause of a traffic accident.

For more information, visit the following site below: Click Here: Cheap Car Insurance

Don't Pay the Price For Bad Habits

By Alex Gregory

A little bit of preparation can go a long way in avoiding a car insurance claim as new research reveals that millions of motoring repairs are self-inflicted.

Research from a car insurance company revealed that millions of drivers are racking up costly repair bills or expensive insurance claims because of their own poor habits - the study found that more than three quarters of motorists (78 per cent) fail to keep up with regular maintenance such as checking tyre pressures.

Younger drives in particular are likely to face whopping repair bills. A sizeable 43 per cent admit to driving with one hand on the gear stick while another third confess to riding the clutch, which is not only dangerous but can quickly cause wear and tear - the typical cost of replacing a clutch is around £800.

Over 55s by contrast have much better habits. A third check their tyre pressures at least once a week while almost three quarters declared that they replace their oil at least once a year - in sharp contrast to just a quarter of 18- to 24-year-olds.

Unfortunately, faulty driving and maintenance habits can lead directly to parts failing and unnecessary wear and tear. Cutting out bad habits could make the roads safer and by reducing accidents it could cut out unnecessary car insurance claims.

Motorists are also warned to drive safely, particularly over the winter months. Remember to leave extra stopping distances between your car and the vehicle in front in case the roads are icy and skidding occurs.

It's vital to ward off extra bills with the economy slumping so car insurance claims for small problems should be avoided, particularly if you have a high excess to pay anyway, as this will force up premiums. If you're involved in an accident and your premiums rise, compare car insurance online and find a cheaper policy elsewhere.

Parents of Teen Drivers - Protect Yourself From a Lawsuit in Case Your Teen Causes an Accident

By Tom Wiecek

The worst just happened.

Well, almost the worst. You get a call from your child who was driving without you. "Uh...hello mom. I was just in an accident."

Fortunately, your child was able to call you but you must ask "Are you okay?"

Then you wonder about the others that are possibly involved.

"Was anyone riding with you?"

"Was anyone hurt?"

"What about the other driver and anyone in their car?"

Your emotions go through the roof and you realize that this could be the worst phone call you could ever get. The good news is your child is okay. The bad news is that someone else is not. And it's a result of your child's negligence.

Let's pray you never get this call or a call from someone else that tells you your child's been in an accident.

So, what happens if you do get a call like this? What if there are serious injuries or damage to property? Are you protected? To be more specific - Are you protected for a lawsuit? A lawsuit that could cost you everything you have worked so hard for?

It's impossible for you or me to put a value on someone's life. And, if someone is paralyzed or even killed in a car accident, how can you repay that person's family or provide for their care if they survive?

Here's what will happen. You will pay. The courts will decide how much and over time, you will pay- unless you are protected adequately by good insurance.

I hate to be so blunt, but this is serious and it's something you must consider- especially, now that you have an inexperienced driver in your household.

So, how can you make sure you are protected?

First, find an insurance agent that specializes in protecting families with teen drivers. A family insurance specialist understands the special needs required to protect you in case your teen causes an accident.

Second, ask this agent to conduct a 21 point review on your car and home insurance. Why should this be done on both policies? Because you will also need the most important policy every parent with a teen driver should have, an umbrella policy. This special policy provides additional liability coverage for the major event... a big lawsuit that can leave you devastated. Just as the name implies, this policy provides an "umbrella" of coverage over your other policies including your home.

Once you have had a 21 point protection review completed, you will likely discover that you are underinsured. Don't be surprised. The majority of families with teen drivers are underinsured and usually never find out until something happens. That's understandable since so many parents trust an agent that doesn't specialize in protecting families with teen drivers. Now that you know you could be left exposed to a serious lawsuit, you have no excuse for getting the right protection. Here's a true story of someone that knew they should be protected and didn't take action...

A long time client called my office to add their 16 year old daughter to their car insurance. We recommended making some changes, most importantly, increasing their liability coverage. He had a limit of $100,000 per person and $300,000 per occurrence. This means that if he or someone in his household was found liable for an accident, the most an insurance company would pay is $100,000 per person for personal injury and $300,000 for everyone injured in the accident.

Well, he refused to accept our recommendations after a strong urging. We even had him sign off on this. Within the first year, his daughter lost control of her vehicle while driving down the highway with 2 friends in her small SUV. Her girlfriend in the back seat, who was not wearing her seatbelt, was thrown from the vehicle as it rolled 3 times across oncoming traffic.

Fortunately, she survived but spent over 3 weeks in the hospital with serious and permanent injuries. As you can guess, my client didn't have enough coverage to pay for the lawsuit that followed. I'll never forget the day he told me "Nothing will ever happen. My daughter is responsible and a good driver." Now he is paying for this incident and will be for a very long time.

If he took my advice by increasing his liability limits and purchasing an umbrella, his financial future would have been protected.

Tom Wiecek is the President of the Society of Family Insurance Specialists. This is a national organization of insurance agents that focuses on educating families on how they can best protected and provides quality insurance coverage from some of the nation's top insurance companies. To find a Family Insurance Specialist that can help you get the right protection for your family visit http://www.teendriverinsurance.com

Parked Vehicle Accidents - What Insurance Will Cover When Your Car is Damaged

By Mike Fluke

Michigan's No-Fault Law has specific information related to damage to parked vehicles. If you damage a parked car or if your own car is damaged, any repair payments fall under "property damage" of the insurance policy of whatever vehicle hit the parked car. Also, by law, a car rental is included while repairs are being done.

In a perfect world, the individual who is driving and hits a vehicle will stop to identify him/herself and provide insurance information. In this case, the owner of the parked vehicle should file a property damage claim with the other person's insurance carrier for repairs to be done as well as for rental coverage.

Often, however, there are people that do not stop and admit they hit a vehicle, which results in a "parked hit and run" scenario. If there is no way to ID the suspect driver/vehicle, the owner of the parked car, unfortunately, will have to claim the damage on their own insurance. If collision insurance coverage is on the policy, the damages will be repaired. However, only if one has Rental Reimbursement coverage will rental be offered.

Additionally, if the person who hits a vehicle doesn't cooperate, insurers will repair a customer's vehicle (once again, if collision coverage is on the policy) and subrogate against the other insurance carrier for any damage costs and rental if rental reimbursement is carried. If this is not on the policy, the owner of the parked vehicle can do a rental on their own and subrogate for the expense of this as well.

Founded in 1990, Affordable Insurance Service Agency, LLC. is a leader in providing quality protection for hundreds of individuals, families, and businesses throughout Michigan and Wisconsin. Providing superior customer service and low rates along with our ability to understand our customer's coverage needs drives the success of our agency. Check us out on the web at http://www.myaffordable.com or stop in and see us at 1205 10th Avenue Menominee, MI 49858 Phone: 906-864-5000 Toll-Free: 888-363-5853

Affordable Auto Insurance - 5 Tips For Finding a Car Insurance Policy That Fits Your Budget

By Laura Caldwell

Are you looking for an affordable auto insurance policy but you don't know where to start? Here are some tips for finding a car insurance policy that will fit into your budget but still provide you with the coverage that you need.

1. Find out your state's minimum requirements: Every state has different laws regarding the amount of auto insurance that drivers residing in the state must have on their policy. Find out what your state's minimum requirements are and from there decide if you need more coverage or if the minimum will be sufficient for your situation. If your car is old and has a low value, the minimum coverage required may be enough for you. If your car is a newer car, you may want to add things like collision and comprehensive coverage.

2. Find out what determines your car insurance rates: When shopping for an affordable car insurance policy, you will want to know how the insurance companies are determining your rates and see what you can do to make your rates lower. Companies look at things like age, driving record, vehicle, claims history, credit score, and gender to determine your rate. Maintaining a high credit score and driving safe can help you find a more affordable car insurance policy.

3. Find out what discounts insurance companies can offer you: Many auto insurance companies offer discounts for meeting various requirements. Some of these include a good student, safe driver, senior citizen, etc. Some companies offer discounts for low mileage and/or for taking a course in defensive driving. Do some research and see what different insurance providers can offer you in terms of discounts and if you would be able to meet the requirements and save money on your policy.

4. Find out if you can bundle insurance policies: Many insurance companies will give a discount to people who have more than one type of insurance policy with them. If you already have a homeowners insurance policy or some other type of policy, find out if you could purchase auto insurance through the same company and receive a discount.

5. Find out what different companies can offer you: When looking for an affordable car insurance policy it is important to shop around.

Compare quotes from at least five different companies before you decide, to make sure you are getting the best car insurance policy for your budget.

The Boom in the Green Car Insurance Market

By Eric Token

Recent research has found that Green Car Insurance policies cost almost 100 per cent more than the regular insurance covers. Price comparison websites on the Internet warn drivers who want to go green that clearing of their carbon emissions is going to cost them more.

Thus, although going for "green" insurance options is admirable, car owners and drivers are advised to weigh the pros and cons before finalising their car insurance policies. They should clearly judge whether a Green Car Insurance policy would be a good idea for them.

The insurance industry can soon experience a boom in the sector of Green Car Insurance. Many car insurance providers have introduced exclusive packages that target the "green" section of customers, or the "green market". This market consists of car owners and drivers who want to have "environment-friendly" insurance policies for their vehicles.

The majority of the "green" insurance providers design carbon-offsetting schemes. Such a scheme can intend to contribute a percentage of the insurance premium to projects dedicated to carbon offsetting. Generally, Green Car Insurance companies offset the overall carbon emissions of a vehicle.

Carbon offsetting schemes may vary from one insurance provider to another. For some, it could mean the planting of trees or promoting recycling, or being involved in other environment friendly projects. Others may decide to get every form of energy they need solely from renewable sources, or reduce their consumption of paper, cones and water cups. Many green car insurance companies contribute a certain percentage of their annual profits to environment friendly causes. Some offer "green" incentives like recycling a car if it has almost become scrap, and using recycled motor parts, wherever possible, for repairs and replacements.

Some car insurance providers offer lower premiums to owners of green cars. This is due to a common notion among insurers that owners and drivers of green cars are more responsible towards environment and hence are lesser risks to the insurer.

Should you go for Green Car Insurance policies?

A Green Car Insurance policy is an ideal opportunity to contribute towards environmental causes. But, it goes without saying, that these policies are costlier.

Instead of going for a Green Car Insurance policy, you can choose the cheapest car insurance option that will do just enough to provide your car with the cover you want for it. Then you can contribute the money you save on your insurance premium to a green cause that pertains to your ideals. This will bring more satisfaction to you as you get to choose where the money goes and how it gets used. But only a disciplined individual with a lot of restraint can use his saving for environmental causes.

Motorists can take care of the environment in various ways. But they often remain oblivious of the pathetic realities of the environment and thus fail to do their bit. Opting for a Green Car Insurance policy is a simple act that will only require them to pay some extra cash towards the upkeep of the planet earth. But as long as Green Car Insurance policies remain just an option, the objective will be only partially served.

eGreen Insurance provide green car insurance policies that have a substantial role in keeping our environment clean and green.