Buying Affordable Car Insurance - Top Tips Revealed

By Michale Trueson

Surveys suggest you could pay anywhere from $500 to $2000 annually for the same auto coverage through different insurance providers. Shopping for insurance using a website that compares multiple companies and policies is one of the best ways to ensure your getting a good rate, and it allows you to compare rates and policies from the comfort of your home.

In reality you should be checking a few of these websites every year to ensure your getting a good deal on your policy.

Auto insurance rates depend on several factors, including, your age and marital status, where you live, how many cars are on your policy, annual mileage driven, how far you are from your work, what you drive, how long you have been with your insurance company and what other things do you have insured with them, and of course your driving record.

First Things 1st, Types of Coverage, what do you need?

Coverage for yourself

Collision coverage: Covers damage to your car up to its book value. There is a deductible, which is the amount per claim you have to pay out of pocket before the insurance takes effect. The lower the deductible, the higher the premium rate is. While it is legally optional, if you have a loan on the vehicle the lending institution usually requires collision coverage.

Comprehensive Coverage (for physical damage): Which also carries a deductible. Covers damage to your car from theft, vandalism, flood, fire, wind, and other non-accident damage.

Medical payments: Pays for injuries to you and other occupants of your vehicle, it is optional in some states. In "no-fault" states, personal injury protection replaces medical payments as part of the required basic coverage.

What is no-fault insurance? If your state requires "no-fault" auto insurance, your auto policy must pay medical bills for you and your passengers regardless of who caused the accident. No-fault insurance laws are intended to keep insurance fraud down.

Uninsured motorist protection: Covers injuries sustained by yourself or the occupants of your car from an uninsured motorist or hit-and-run (unidentified) drivers. "Under-insured" coverage also is available to cover claims you may need to make against a driver who is inadequately insured. Some areas of the country have as high as a 30 percent uninsured motorist rating.

Coverage from others

Bodily injury liability: Covers injury and death claims against you, as well as your legal costs if your vehicle caused a accident and injures or kills someone.

Property damage liability: Covers claims for property damage that your vehicle caused in an accident. Since liability coverage protects the other party, you are required to carry this insurance in all but three states, Florida, New Hampshire and Wisconsin.

Items effecting your rates

Your driving record

If you are convicted of moving traffic violations or of causing an accident, your premiums will likely be higher regardless of your age. Drivers with no tickets and no accidents "clean records" pay lower rates.

Who You Are

Your age and gender are uncontrollable factors that affect your insurance premium. Males 25 or younger pay the highest rates since statistics show their involved in more accidents. Married men statistically have fewer accidents and generally pay less than single men. A few states don't allow rates based on sex or age, but that generally results in higher rates for women, instead of lower rates for men.

Where you live

Higher populated Urban areas, with greater densities and heavier traffic often get higher rates than rural areas.

How much Insurance do you need?

It's dangerous to be under-insured, but having too much insurance can be an expensive mistake too. Without insurance, your personal property and lively-hood is put at risk in an accident that you caused.

The more income and assets you have to protect, such as a home, the more insurance you need. An "umbrella" policy could protect you from financial ruin in a major lawsuit.

Tips to Reduce Your Insurance Premiums

Increase your deductible for collision and comprehensive.

Drop collision coverage when the annual premium reaches 10 percent of your car's value. On older cars claims are limited to the "book" value, so you most likely won't get much for damage anyway.

Drop coverage for towing costs or car rental while yours is in the shop.

If your group health insurance provides generous coverage, consider dropping the medical payments portion of your policy.

Shop around Instead of just renewing. Use a online multiple quote service and study the fine print to compare them. Chances are you can find a better rate, but you won't know if you don't shop.

Try To Qualify For Discounts

Most companies give a break to those who drive less than 7500 miles a year. Take public transportation to work, or try carpooling to reduce your cars annual mileage.

Drive a vehicle make or model that qualifies for a discount or doesn't carry a surcharge.

A vehicle with an alarm or air bags may qualify for a discount.

Discounts are commonly available if you insure other items with the same company, like your home.

If you pass a defensive-driving course or don't smoke or drink you often qualify for discounts.

Avoid accidents and traffic violations The safer you are on the road the lower your premiums.

Keep your credit rating healthy. More insurers are considering a persons credit score when setting rates.

If you have a accident: don't be afraid to play hardball, negotiate your claims, auto insurance companies try to give you as little as possible.

Michale Trueson is a specialist in insurance cost reduction through company and policy comparison. In todays market shopping and comparing is a must for affordable insurance. Compare and Save!!! Multiple Quotes The Best Way To Find Affordable Insurance Get The Best Price & Policy Insurance Comparison Free Now. We operate through a network with hundreds of insurance providers under a referral format so you are not funneled to specific providers. Simply put, we need to find you the best product at the best price to create the win win results, and that's what we do!

Does the Auto Insurance Have to Be in the Name of the Car Owner?

By Kian Chew Chong

This is one of those infrequent questions but the answer is really quite obvious when you stop to think about it.

Just think back to the time you asked to borrow your dad's car - now dad may have added you to the auto insurance policy but unless you were one of the lucky few, he hadn't given you title to the vehicle.

Now we have dispelled that myth you will probably be able to think of several other instances where the car owner and the insured driver are not the same people.

How many times have you rented a car on holiday or on business?

How many times have you borrowed a vehicle from a friend?

How about when you drive a vehicle provided by your employer?

The simple fact is that the car owner and the person with the auto insurance do not have to be the same person. This leads to some interesting and often overlooked practicalities with life on the road as well as opening up some opportunities to make life easier and cheaper for you as a non-car owner.

If you do not own your own vehicle, say because you live in a big city where there is a good mass transit system and parking your car would be difficult if not impossible, then you still can save a great deal of money and make your driving life that much better by taking out an auto policy. You may be thinking, "Hang on a second, I don't own a car but I should take out an auto policy - that makes no sense!"

Try this for size; you rent a car when you go on vacation, occasionally for business and other odd times when you want a break from the city. Renting a vehicle requires you take out auto insurance and through the car rental agency this is both expensive and geared towards protecting the agency and the car while not necessarily giving you the cover you really need. It makes a lot of sense to arrange your own auto insurance policy that provides the coverage you really need and protects you first and foremost. Taking out auto insurance for yourself is also a lot cheaper than taking out the insurance with a car rental agency so it makes sense for your wallet too.

How about when you want to borrow a car? Your dad probably put you on the insurance for the old family car but what about when you want to borrow a friend's ride? It's not so simple to put you on the policy of someone else especially if it is a last minute, "Can I borrow your car for an hour?" type scenario. Having your own auto insurance prevents these complications right from the start and protects you, your friend and their car.

Finally, there is an additional incentive to take out your own auto insurance policy as a non-car owner. Premiums are calculated based on your age, location, vehicle and of course, how long you have held insurance and your claims record. Taking out a policy and establishing a track record for yourself is an excellent means of keeping premiums down in the longer term so it makes financial sense to effect a policy as soon as you start driving.

Kian Chew is a car insurance expert and owner of Car Insurance Hot Zone. Car Insurance Hot Zone helps those who wish to lower their car insurance cost for life by using a few basic rules and some strategies which few people know. You can instantly view the secrets by visiting http://www.CarInsuranceHotZone.com

9 Ways to Lower Your Auto Insurance

By Frank Collins

Premiums for Auto Insurance are never calculated on a flat rate basis. There are many variables that determine the amount of the premium payable by each individual. The final rate of auto insurance is made after knowing the following:

1.) Applicant's age. Typically drivers who are younger are determined to be high risk. On the opposite side, older drivers pay more for auto insurance due to aging eyesight and coordination may lessen as you get older which may affect driving.

2.) The make and model of your vehicle. The majority of insurance carriers group auto insurance rates based on the vehicle make. Vehicles that fall into the category of being a sedan or compact have lower insurance rates while SUVs, sports cars, and exotic cars, are given high insurance premiums.

3.) Gender plays a role. Females tend to get lower auto insurance rates that males. Male drivers are considered to high risk motorists. The statistics don't lie. More auto accidents are caused by males than female motorists.

4.) Financial stability. Automobile owners with excellent credit scores and credit reports typically pay lower insurance premiums than people who have low credit ratings and scores. Insurance companies offer lower insurance rates to people who demonstrate a solid credit history.

5. Driving history can raise or lower your premiums. Motorists who have a accident and ticket free driving record for the last three years will get lower rates.

6.) Where you live. Areas with lower crime rates such as outside the city and less populated can give you lower insurance rates.

7.) Number of insurance policies. If you get your auto insurance policy with the same insurance company which has your health, life or home then you can ask and should receive a group policy discount.

8.) The amount of miles driven per year. If you limit the miles driven then you will be eligible for lower auto insurance rates. Also, if you use a car only for personal use it will trigger a lower premium versus one used for work.

9.) If you own a hybrid or electric car and care for the environment then your auto insurance premiums could be lower. As an automobile owner you can find something that can lower your premium by knowing all the factors mentioned above. It cannot be stresses enough, always compare rates and premiums from various auto insurance companies.

Frank Collins is a contributor with auto insurance rates and Big Rig Truck Insurance carriers in your area.

Cheap Auto Insurance - Quote For Low Cost Car Insurance

By Bryan Burbank

Cheap Auto Insurance can be easier than ever to find because with many companies offering online quotes you can get your insurance faster than you could before. Used to be it took some time to find insurance because you had to use the phone and call the local insurance agent in your town to get a quote. it may take a few days before he would get back with you but now with a few clicks of the mouse you are ready to get your insurance. It is very important to have insurance if you operate a vehicle because you never know if you need it.

Many people feel like they are great drivers and they think that they will never get into an accident but there are too many factors that are out of your control. You may drive perfectly but you can not control the other drivers around you so make sure you get a good policy that will give you enough insurance just in case. Do not feel like you need to over pay for insurance because there are many places where you can get great coverage at a low price.

It is important to look at the policy that you get quotes on so that you know you are getting the best coverage for the best price possible. There are many insurers that will give you a great rate but they fall short of giving you the best policy you need in case you get into a situation where you need to be covered.

Remember that you can search for insurance online but make sure that you compare price and policy before you make the final decision.

Find the Best: Discount Auto Insurance Get Cheap: Insurance Quote Now Bryan Burbank is an expert in the field of Cheap and Discount Insurance.

Temporary Car Insurance - Be it Business Or Holiday, Keep it Covered Always

By Nelson Kristek

Car Insurance is for life of the car. What if there is no car and you still need insurance, may be for another car you are going to pick-up on your holiday. Then you need temporary car insurance.

Every driver must have an insurance for each car they step into, be it yours or borrowed. It can save you a lot of worries and money in case of some unfortunate incident. You could be traveling from Florida to Mexico for a week and your current insurance may not cover Mexico. The option is to add on an extra temporary coverage to your existing policy.

If you have just made some last minute plans, luckily many companies offer online temporary insurance. All you have to do is click and buy the insurance in minutes.

It could be for a 2 day conference or a 4 week holiday, temporary insurance can handle all. If you are backpacking just around the border, a temporary border coverage is what you need to get you started.

Travelling overseas, then make sure your insurance is sorted before you leave. So you can enjoy your holiday and worry less about your safety.

Is it your first card or are you planning to by a second car? Drive-away insurance is a must for new cars, because nothing can be worse than losing your car.

Many a times if you are just borrowing a friend's car, you should be able to just add on to their existing policy for a few days. Check with the insurance company. If you cannot take your car with you, some insurance companies also allow temporary additional cars.

There are heaps of websites which provide this service, you could compare and choose the best bargain to suit you.

Every driver, every car, every time - an insurance policy to cover them both. Does not matter if the car is old or new, if the driver is new or old, always cover yourself.

Recommended reading: Temporary Car Insurance http://www.autoinsurance-review.com/

Cheap Auto Insurance - Get Quote Now

By Bryan Burbank

It is important that if you drive a car that you have proper auto insurance to cover you, your car and the other driver in case you get in an accident. Finding a good cheap low cost insurance for your car can be the most important thing because the cost of having insurance on your automobile can be very expensive and finding a way to save money is a must.

It is great that we have the internet and can get just about anything we want in a matter of seconds and this includes getting a auto insurance quote. It used to take you a few days to get several insurance quotes because you had to call individual insurance agents and wait until they go around to calling you back. Now with the internet at your fingertips you can go online and get a quote fast and easy.

You need to remember that when you are searching for auto insurance it is important to find a cheap quote but you also need to compare policies. It is very important that you get a policy that will cover you in case you are in an accident. If you do not have enough coverage then you may run into an issue where you might get sued by the other driver if it is your fault and they go to the hospital and have large medical bills.

Remember that it is important to save money on auto insurance and make sure that you get several online quotes before you make a final decision.

Find the Best: Discount Auto Insurance Get Cheap: Insurance Quote Now Bryan Burbank is an expert in the field of Cheap and Discount Insurance.

Auto Insurance - Free Cheap Insurance Quotes

By Bryan Burbank

Having auto insurance is a smart idea when you are driving a car because even though you may be a safe driver you never know when you might get into an accident and you will need your insurance. With the cost of everything on the rise insurance is no different and it can cost you a big chunk of money each month. You need to take advantage of the online system of finding free quotes because this can help you to find and insurance policy that is not only cost effective but it will also have the right coverage that you need.

If you get into an accident and do not have the right amount of auto insurance it can be very costly because you need to cover the other driver if it is your fault. If you do not have the right amount of coverage then you could possible get sued if the other driver has to be in the hospital for any length of time so make sure when you are searching around and getting quotes that you are covered.

When you are searching for insurance make sure that you find several places that offer you free online quotes because you should never pay for an insurance quote. It is much easier today then it used to be because before the internet you had to make a lot of phone calls and talk to a lot of insurance agents before you got a cheap quote.

Remember that it is important to save money by finding the cheapest quality auto insurance that you can find with the best coverage.

Find the Best: Discount Auto Insurance Get Cheap: Insurance Quote Now Bryan Burbank is an expert in the field of Cheap and Discount Insurance.

Can You Get Auto Insurance Before You Get Your Driver's License?

By Kian Chew Chong

When you are first learning to drive, there is a good chance that car insurance is the furthest thing from your mind. You are interested in getting on the road, the increased independence, the excitement of being able to travel exactly as you wish and much more, and chances are, the idea of needing to research auto insurance quotes or calling the auto insurance company is something that has not crossed your mind. When you think about driving, though, you need to make sure that you are going to be thinking about it maturely and with the right eye towards making sure that you are going to be doing in the correct and legal way.

If you are going to drive, you will find that there are many things that you need to keep in mind. The first is that to drive legally, the car that you are driving needs to have insurance. If you don't own a car, there is a good chance that you don't need to pay insurance on it, but there are several things to keep in mind. First, when you are considering car insurance, you need to think about the fact that you are protecting other people as much as you are protecting yourself and your car. In the case of an accident, you will find that making sure that you have insurance in of the utmost importance. If you are looking to make sure that you get the right results from your insurance, it is important to think about a few things.

When thinking about getting your drivers license, and considering getting the right insurance policy, you need to make sure that the eventuality of you driving a car is covered. For instance, who is providing the car that you are going to drive? If you are the one who is paying for the car and the insurance, you will find that you need to be covered if you are driving it.

But what happens if the car belongs to a friend or a family member? It is their insurance that will be brought into play should something happen, and that insurance needs to cover you. No matter what situation you are in, you will find that knowing your insurance and what is covered front to back can go a long way towards getting you the results that you need.

When you are looking at cheap auto insurance and thinking about auto insurance quotes, you need to make sure that the moment that you independently get behind the wheel that you can take care of any problems that arise!

Kian Chew is a car insurance expert and owner of Car Insurance Hot Zone. Car Insurance Hot Zone helps those who wish to lower their car insurance cost for life by using a few basic rules and some strategies which few people know. You can instantly view the secrets by visiting http://www.CarInsuranceHotZone.com

Easy Way to Find Online Car Insurance

By Iyke Phelim

Shopping online is the easiest and it has so many benefits that go along with it. Can you imagine what it takes to journey from one place to another in search of a good and reliable insurance policy provider. Now you do not have to go through much pain because the internet has made it reachable to you... just clicks away.

Some of the benefits you get shopping online; easy renewal of insurance policy online, comprehensive response to your questions, ability to print out whatever details or info you need, you get an instant coverage immediately you apply and with direct debit, you can spread out your payments.

There is a possibility of you comparing two or more insurance providers when you shop for car insurance online. It is not compulsory to settle for one policy given to you by one provider, by going online you can get different offers from different insurance provider.

Quotes online gives a smart option for you to get a good company that offers car insurance services. Through the internet, you can get first hand information on the kind of coverage you need for your car. In addition, online is not restricted or stereotyped.

However, there is a lot to know about making your research online. The internet has more than one thousand and one car insurance website where you could easily get the necessary info you need. These companies offer great deals and know how to keep a customer. So with the option to make your own choice you can be granted benefits such as low rate, discount, and others.

Where to start?

Start here... It's all here and very easy to get! by NDIMELE IKECHUKWU PHELIM. QUALITY SERVICE PROVIDERS. LOANS. INSURANCE. QUOTES. Your Best Auto Insurance

Car Insurance is Very Important

By Iyke Phelim

In Britain and other European countries, car insurance is very vital to every car owner. It is necessary that a car owner does this to complete his ownership. Even in the market, different offers are coming from different insurance providers and this makes it very good for you to get your car insured.

You must have your car covered before lending it out to neighbors or giving it out to your son or daughter who has passed a driving school test. Knowing the fact that an unforeseen event may occur which will require you to close down your treasure box. So make sure you avoid every risk in unplanned shakes.

There are chances of getting better offers, discounts, rates, and extra in the market. Therefore, you need to be smart while searching for this. There are ways you could go about this; one involves you going about your region in search of a service provider but this is time consuming you might end up spending all you have paying consultant fees.

The best way to tackle this issue is using the internet. It is not time consuming, it is very easy, it is not stressful, you will save the money you would have spent travelling around, you can do it anywhere in the world provided you have a computer which is internet connected.

To get the best offer online you need to fill in your zip code to get a car insurance free quote. However, doing this you need a reliable and trusted website that offers this service. Remember, you need a free quote.

How to Start?

Start Here... Its all here and very easy to get! by NDIMELE IKECHUKWU PHELIM. QUALITY SERVICE PROVIDERS. LOANS. INSURANCE. QUOTES. Your Best Auto Insurance http://best-loans-info.com

Auto Insurance - Very Cheap

By Iyke Phelim

Do you wish to embark on a trip outside your region? Your decision might be to travel by road and to get this done you need a car. Talking about a car, I mean a car that's fully insured. Knowing some bad events that may occur on the highway, you would not want to go in an uninsured car. Do not take such chances.

Some countries have legalized insurance of cars as very necessary for all car owners; this became important due to rages on the road. Some times it is very difficult to get a cheap auto insurance policy and people due to lack of information do not know how or where to go about this. Using the e-mechanism method is one good way to go about this. This can quickly be done and concluded in the comfort of your home or your office. You do not need to relocate or leave your home.

So many service providers are out there waiting to give you the offers you will need. The market is competitive now that there so many insurance service providers. You get bigger offers, discount, extra packages are giving to interested car owners. Search for a trusted website that provides this service. Submit the free quote and all the details and contacts of different insurance companies will be available for you to choose from.

You do not get your car insured only because of road rages but for thieves and burglars too. A well-maintained car gets a cheap insurance compared to other cars. How can you start?

Start Here... Its all here and very easy to get! by NDIMELE IKECHUKWU PHELIM. QUALITY SERVICE PROVIDERS. LOANS. INSURANCE. QUOTES. Your Best Auto Insurance

Low Cost Car Cover

By David H Thomson

With premiums for car insurance rising seemingly every month, there has never been a more crucial time to look into ways to reduce those insurance costs, and to find low cost car cover. Having the peace of mind that comes from inexpensive car cover while driving will make your motoring experience much more pleasurable. These high levels of premium costs, alongside the high cost of fuel, make being a motorist particularly difficult at the moment. In this article you will find some ideas that will help you reduce the cost of your insurance for the vehicle you own.

The rise in premiums has been caused by a number of factors over the last few years. One of the major factors has been the number of uninsured drivers who have had accidents. While incredibly stupid, it is no laughing matter, with the cost in human lives and damage to property being a major factor in road safety laws being tightened and, from the point of view of the cash-strapped motorist, rising premiums on their insurance.

But many drivers are refusing to accept the quote they are given by their usual insurer, and instead are opting to have a good look at the cover they can receive, and taking an even closer look at their own motoring experience, in order to reduce the cost of premiums.

If you are able to secure your car against theft to a high degree, such as fitting a car immobiliser or a car alarm, for example, this will help to reduce the cost of your premiums. Insurers like safe cars, and with the various options on offer out there when it comes to your own personal cover, a car that is effectively safer against theft will lead to low cost car cover. Do check, however, that any security device you fit is one that is approved by your insurer.

Whatever you do, do not modify your car. This will lead to very high premiums, and in some cases, a refusal to insure. This is an option that should not be considered if you are thinking of securing low cost car cover.

When arranging cover for the first time with an insurer, make sure that they have an accurate picture of your annual mileage. And then drive less. Find ways to cut your level of motoring and watch the premiums drop.

Parking off road will make your car safe in the eyes of insurers. This is very important, and an option that you should be looking into if you want to have a low premium.

When it comes to the type of insurance you can have, bear in mind that there are essentially three: third party; third party fire and theft; and fully comprehensive. The first two cover liabilities to other drivers and their vehicles and in the case of fire and theft, those two eventualities when it comes to your car. Fully comprehensive offers cover for many eventualities, and even some extras, like windscreen and accidental damage.

So when it comes to low cost car cover, try your best to think about the above advice, and see how you can reduce the cost of your premiums by making your car more attractive to your provider.

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.

Guide to Motor Cover

By David H Thomson

Motor cover is, for obvious reasons, a product that every motorist must have. For peace of mind as well as legal reasons, you should be travelling on the road only if you have a level of insurance cover that is right for you and your circumstances.

One of the biggest reasons for this type of insurance being expensive is age. The younger you are, the more expensive the cover will be. Companies generally take into account the lifestyle of their customers as it is, and they assume that younger drivers are perhaps a little more reckless when they are behind the wheel and lack the experience of older drivers.

Other factors that will affect the price are the type of car you drive. If you drive a sports car, for example, a vehicle that is meant to be driven at high speed, expect your premium to be higher than if you were driving a family car. The size of the vehicle's engine plays a major part in the cost of the cover.

When it comes to choosing motor cover the value of your car really comes into play. If you have just bought a brand new motor, expect to have to pay for a high level of insurance called fully comprehensive. This covers your vehicle for just about every eventuality, including any damage to your vehicle where you were to blame for the accident. If your car is not that expensive, then you may as well opt for a lower level of insurance, either third party only or third party fire and theft.

The most basic level of insurance is called third party insurance, which offers the minimum amount of protection and covers a few events that might take place when you are driving. It covers any damaged caused by you to another person or vehicle. Damage caused to your own vehicle will not be covered under third party cover and you will need to pay for it yourself. It covers any injuries that are caused to other people, including passengers. This is obviously a worthwhile aspect to your insurance policy.

Third party fire and theft does all the things that third party does, but with a couple of added extras. If your car is damaged by fire, or if there is theft, then this policy will protect against the high costs that can result.

Fully comprehensive car insurance is the main product that a lot of motorists invest in. This covers all of the problems that the third party products do, but also things like medical costs if you are involved in an accident. Also, when it comes to any of your personal belongings being damaged or getting lost while being transported in the vehicle, then if for you opt for additional cover, this type of policy will go towards the cost of repair or replacement.

Fully comprehensive motor cover does what it says on the tin - it is the most 'comprehensive' of motor insurance policies, and covers all eventualities that the average motorist will encounter. But if you are a younger driver with a less expensive car, you may find it cheaper to opt for one of the third party products.

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.

Getting Good Motor Insurance Deals

By David H Thomson

There are many ways to secure deals on your motor insurance. With the rising cost of fuel and motoring in general, having the option to reduce the cost of your insurance can make all the difference when it comes to your household budget, so knowing how to do it is important. The following ideas should get you started on actually being able to find the best motor insurance deals with your broker.

The biggest factors that typically have an impact on the levels of premiums for motor insurance are your age, where you live and your gender. The car you have also plays a part, as does your driving history.

One thing you could easily do to reduce your premium costs is to pay a higher excess. Most insurance companies now offer this option, but this was not always so. Ask your insurer what levels of excess you can pay and they should tell you. This will allow you to offset the cost of an incident against your premiums, and consequently have a reduced monthly premium as a benefit.

Many companies respect the fact that your car is secure and is at less risk of being vandalised or broken into. This is because it reduces liability that they will have to pay for in the event of a claim. If, therefore, your car is off the road and in a garage, then some insurers may reduce your premiums due to your car being "safer".

In addition if you can say that you have an immobiliser or other security device attached to your car, your premiums should be lower still. Basically the more secure you can make your car, the more insurers tend to relax!

Try your best to make it so you can pay your premium in one go rather than paying by direct debit. Often, insurers will charge you a bit extra if you opt to pay by direct debit. When you bear in mind that some companies can charge interest if you pay your premiums by monthly instalments, then the option to pay in one go seems a lot more attractive.

Take the chance to improve your driving skills if you can. Pass Plus is a test that you can take that will show insurers that you are a more skilled and careful driver. If you have the opportunity to take this test, and then do so, it may reduce the cost of your premiums.

Obviously, drive carefully. Speeding fines and other motoring offences can bump up the cost of your car insurance considerably, with some insurers even refusing to cover motorists who have notched up several pints on their licences or similar.

You can typically get cheaper premiums if you drive a small, family car compared to a flashy sports car so when it comes to buying a new car, look at the insurance group before you buy!

Finally, to get the best motor insurance deals, never just automatically accept your car insurance renewal notice. Shop around or get a broker to do so on your behalf. You may be surprised just how much you can save on the cost of your motor insurance!

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.

Choosing Your Car Insurance Provider

By David H Thomson

When it comes to being happy with your car insurance provider, it is important that you are confident that you know what they are offering you when it comes to cover. The basic levels of cover available are third party, third party fire and theft, and fully comprehensive.

Third party pays out to another driver if you cause damage to their vehicle or injury to them. This is a low premium product, for obvious reasons and offers the most basic protection. Should you damage your vehicle or it gets stolen, for example, it will not be covered by the insurance.

Third party fire and theft covers the other driver for damage and injury but also covers you if your car is damaged by fire or if your car is stolen.

Fully comprehensive cover pretty much does what it says on the tin. It covers you comprehensively. This means that most eventualities are covered, and other aspects, such as windscreen damage and you being able to drive someone else's car can also be taken care of. There are a large number of products out there that fall under this umbrella, with many companies offering variations on this particular cover. Investigate this carefully, and make sure you understand fully what the corer entails.

When it comes to your car insurance provider, it is worthwhile you becoming familiar with the little strategies that some motorists are using nowadays to help make their premiums less expensive. These include ensuring that your vehicle is kept to off the road at night, and preferably in a garage. Doing this will often cause your car insurance provider to reduce the premiums due to the car having a better level of security.

Basically, if you can make you and your car an attractive proposition when it comes to insurance, your provider should act accordingly and reduce your premium. So the above, plus other measures like not modifying your car, driving safely, taking the Pass Plus test to show that you are a more skilled driver than others, all of these will cause your car insurance provider to sit up and take notice, and hopefully offer you a set of premiums that won't break the bank.

You can choose to pay more on your excess, too, and this should attract a lower premium.

If you are happy with your current car insurance provider, this does not mean that you should ignore the others at renewal time. Many people find that by shopping around, they can get a better deal on their motor insurance, even if their current insurer offers them a discount. So never be complacent - there are lots of good insurers out there and you being loyal to one is more often than not unrewarded.

Finally, when choosing your car insurance provider, look for one that has a telephone helpline and a step by step claims process all laid out on their website. This means that should you ever need to make a claim, it should be an easier process than, say dealing with a provider who can only be contacted via email.

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.

Car Cover Deals

By David H Thomson

UK motorists are finding that the cost of driving has increased considerably over the last few years. Car fuel is more expensive at the pump, and the overall cost of running your car is now for some people becoming almost prohibitive. The one area in which motorists have a degree of control and influence when it comes to the cost of their motoring is in their car insurance costs.

This is something that you can have a direct impact upon if you drive a car. A number of people and organisations over the last few years have put forward strategies and tips that are supposed to help you find car cover deals. These are outlined below in a little more detail. All of them are effective in making sure that when it comes to the cost of monthly premiums for car insurance, the financial outlay does not have to be as shocking as the dramatic increase in the cost of fuel.

First up, make sure that you are in a position where you can tell your insurer that your vehicle is secure. From immobilisers to full-blown security solutions, if you can prove to the company that underwrites the cost of insuring your car that the vehicle is safer than some of the others around, then you are some way towards getting a significantly lower premium quote. If you can say that your car is parked off road in a garage, for example, your insurer will often look upon you favourably, and cut the cost of insurance accordingly.

It is all about presenting a good case. So when you fill out those initial forms and they ask you to estimate your annual mileage, don't guess, make sure you tell them the truth. This will reduce their need to quote figures that may later be increased, as well as boost their confidence in you, which could make all the difference when you find another way to reduce premiums later.

Drive better. First of all, if you have the opportunity, take the Pass Plus test. This will increase your chances of receiving car cover deals because insurers like drivers who can actually prove they are skilled at driving. Many new motorists will consider taking this test for precisely this reason. They know that having the test under their belts makes them a more skilled and therefore safer driver, and that their insurer will recognise this and offer premiums that are lower than those received by the next driver.

And take the time to drive in a much safer way. This preserves your no-claims bonus, and just basically makes you a safer bet for the insurers.

There are three basic types of insurance cover. Third party basically covers the other driver and his car if there is an accident, but not you. Third party fire and theft covers the other driver, his car, plus your car if it is damaged by fire or stolen from. Fully comprehensive covers you for most everything else.

Take the time to ask your broker for the car cover deals he or she can offer you. Bear in mind the advice above, and get them to give you their best quote.

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.

Online Car Insurance Quotes

By Andries Malan

In this day and age, it is undeniable that we are living a life in which technology has become a necessity. It is all about convenience, more efficient usage of time and less 'paperwork.' The internet has taken technology to a whole new level. With just one click you have a wealth of information at your fingertips. Anything can be researched, people can communicate as never before and almost anything can be bought or sourced online. No more phone calls, face-to-face meetings or unnecessary traveling. This is very convenient in relation to time management in that people no longer have to waste as much time and effort.

Let's look at online insurance quotes in particular. It has become very obvious that in South Africa having car insurance is very important. When one hears the frightening statistics, and often witnesses car accidents themselves, there is a sense of urgency in having your motor vehicle insured.

There are many, many car insurance companies in our country. On the one hand, it's great to be spoilt for choice, but also difficult too! How would you know which company to choose if there are so many out there? All of them claim to offer the lowest premiums, the 'best deal.' You would need to find the company that would best suit your own personal needs, at a price that would suit your budget. Logically, the only way to choose is to obtain a few quotes and compare prices.

Returning to the point of time management; it can take a lot of time to approach insurance companies with your information in order to get a quote. Many people decide to browse the internet, the favored choice in getting information quickly. They will then peruse the different websites belonging to insurance companies. Unfortunately this process can take longer than expected. Most of these insurance sites will ask for your details (usually quite a long form). Once you have submitted that, they will then phone you and ask you the same questions all over again, this time throwing in their sales pitch to ensure they obtain your business. Getting two or three comparative quotes can take a lot longer than expected!! Most people will get exasperated by this and will usually give in to the second or third company, simply because they don't have the time or energy to do more research.

This is where online comparative car insurance quote websites come in. This genre of website will do all the hunting and research for you! They have accessed their niche market and have realized how painstaking it can be to successfully attain enough good quality quotes to make a decision. All you would need to do is simply fill in your information just once, on their website, and they will source (usually more than 4) car insurance quotes for you. This saves a lot of time and hassle. Now the customer will receive enough quotes to aptly make a judgment on which company would be best suited to their needs, without having to do it themselves. This idea works especially well if the quotes the comparative site acquires are from efficient, reputable car insurance companies.

Andries Malan is the owner of http://www.quantisure.co.za, a website that offers comparative quotes for the cost conscious vehicle insurance quotes online quote shopper in South Africa.

Pay-As-You-Drive Personal Auto Insurance - Recent Developments

By Kimberley Ward

California private auto was changed forever in 1988 with the passage of Proposition 103. Among other things the regulations provided that insurance companies must accept all good drivers (as defined by them) and rate auto on 3 primary factors: Driving Safety, Annual Mileage, and Years Driving (rather than age of driver).

Later some 40 other factors would be accepted onto a list of other permissible secondary factors, though insurance score is not one of them. Territories were abolished in factor of some statistically-built bands relating to accident frequency and other factors. Eventually, even the number and differentials between bands would be narrowed.

The effect of the original regulation and the subsequent changes was to cause or increase subsidies for a variety of policyholders:

• Drivers with accidents subsidize good drivers
• Long annual mileage drivers subsidize short annual mileage drivers
• Urban drivers subsidize rural drivers
• Nearly everyone subsidizes low experienced male drivers

The existence of these subsidies causes inequities in the marketplace and influences behavior that may not be desirable. For example, if drivers with accidents pay too much overall, this may cause an incentive to under report accidents. Less data is usually not good - the absence of accidents in the database will ultimately raise rates for the next lower level of accident-proneness, as the higher risk drivers seem to belong in the lower accident group based on their statistics.

Other effects of forced subsidies are the introduction of new companies that are specialists in the over-priced segment of the market, increases in the number of drivers in the residual market, and rate increases for truly good risks.

Pay-as-you-drive insurance:

It is the limited number of categories for annual miles driven that catches the attention of regulators and others wanting a more refined rating plan. Number of miles driven seems like a reasonable way to measure exposure and is easily understood by policyholders. Presumably in combination with "where you drive" (territory, that is. Though this isn't "where you drive", it's "where you LIVE"), it would seem to cover a driver's exposure pretty well (see next section for what research shows).

The new proposed regulation is being touted as a "green" provision, encouraging drivers to drive less by having their insurance coverage apply by mile driven. California Insurance Commissioner Steve Poizner has proposed this optional rating mechanism, allowing insurers to offer a voluntary option for consumers who are interested in pay-as-you-drive coverage.

Consumer groups are opposed, saying that there is not enough protections in the law for protecting the privacy of insured's everyday activities. Some tracking mechanisms include "OnStar" satellite and GPS-based meters similar to those used in cell phones.

Quoting from the article:

"The Environmental Defense Fund estimates that if 30% of Californians participate in this voluntary coverage, California could avoid 55 million tons of CO2 between 2009 and 2020, which is the equivalent of taking 10 million cars off the road. This would save 5.5 billion gallons of gasoline and save Californians $40 billion dollars in car-related expenses. Additionally, the California Air Resources Board has recommended the adoption of pay as you drive as one of the means to meet future climate change gas reduction targets."

Hard to ignore potential emissions reductions like these numbers.

b>But the research shows:

The research shows that pay-as-you-drive insurance may not get at the true exposure to auto insurance claims for each insured. For liability coverages, age/gender combination, along with insurance score and geography are the greatest claim level predictors. For property damage coverage, the model of the car takes over as the number on predictor (the others then follow). This information is from a research paper The Relationship of Credit-Based Insurance Scores to Private Passenger Automobile Insurance Loss Propensity, Michael Miller, FCAS and Richard Smith, FCAS, Epic Actuaries, June 2003.

Pros/Cons of Pay-As-You-Drive:

Pros:

• Exposure for insurance tied to miles driven - easy to understand by drivers
• The amount you pay for insurance would be directly controlled by the driver, rather than on factors such as sex, age, martial status, etc. that the driver has no control over.
• The current proposal is for an optional credit, giving low mileage drivers a choice.
• Reduced emissions

Cons:

• The amount a driver pays should be as closely tied to his/her exposure to loss as possible, to avoid cross-subsidies and comply with Actuarial Standards and Principles.
• Tracking mileage is difficult and some methods proposed inspire fear of lack of privacy in some consumers and consumer watchdog groups.

My opinion is that there are better, less complicated ways to refine the rating plan options when it come to annual mileage, and still emphasize lower emissions and "green" policies. One obvious one is to simply increase the number of mileage bands in the current plans and offer "green" discounts (and debits) based on the type of automobile covered. Discounts for Prius's, debits for Hummers.

Kimberley A. Ward, FCAS, MAAA, FCA - Kimberley serves as Partner at Windsor Strategy Partners and is located at their satellite office in Newark, IL. Prior to joining Windsor Strategy Partners, Kimberley served as Chief Actuary at AAIS. Kimberley is a Fellow of Casualty Actuarial Society. She is hold memberships in the American Academy of Actuaries, Conference of Consulting Actuaries, Project Management Institute and Association of Insurance Compliance Professionals. Kimberley's core expertise includes property-casualty actuarial pricing, reserving, product development, project management, mentoring, strategic planning, education, training and employee development. See Kimberley's blog at http://viewivorytower.blogspot.com and her company's website at http://wspactuaries.com

Get the Best Deal For Insurance

By Steve MN

The main aim of vehicle insurance also known as (car insurance, auto insurance or motor car insurance) is to protect your vehicle against losses incurred as a result of traffic accidents and liability that could be sustained in an accident.

In many jurisdictions it's mandatory to have vehicle insurance before using or keeping a vehicle on road. These mainly relate to insurance of both car and the driver however there is variation in the degree of both.

The way to get best discounts on Car insurance-:

Almost everyone would like a reimbursement for the safety of their vehicle, one which is inexpensive, has great scope, and there is not much to worry when it's the case of an accident. But many insurance companies only boast of full insurance coverage at low prices but in reality only a minimum amount of discount rate is provided.

The only and the best way is to do a market research in relation to various car insurance. One thing to remember when you shop for car insurance is to first determine what and how much coverage you require. This helps you to determine which companies offer the best discounted rates for car insurance.

The following are the types of coverage-:

Property Damage

Personal Injury Protection

Uninsured Motorist Protection

Bodily Injury Liability

The various insurance companies can be called and the discount rates can be found out. This information can be gained by conversing to an agent, but internet can be a quicker and cheaper mode of gaining knowledge regarding auto insurance.

Their can be endless options to get cheap car insurance and to reduce their premiums. Some of them are-:

You can choose amongst Fire or Comprehensive, Theft, Third Party etc. but here the main things to take into concern are your age and the condition of the car.

You can take the option of paying higher excess in the event of an insurance claim.

One of the ways is to use an insurance broker if you don't have time for calls and internet.

You can start building 'no- claims' bonus as soon as possible.

Try not modifying or customizing your car.

You can recheck your mileage as it is best way to cheap car insurance.

The above mentioned points can help you get cheap car/auto insurance.

Internet has a glut of sites can that give you information about car insurance quotes. You need to take some considerations while searching for quotes online. Auto insurance often varies by driver history, state, model of automobile etc. there are many sites which enable you to get the quotes online without wasting much time and only some formalities to fulfill. These online websites provide car insurance quotes in seconds which don not sacrifice coverage for convenience. They also provide specific coverage required by in the area you live, therefore, no headache of visiting car insurance companies located in far-off places. Another way of getting auto insurance is to ask your colleagues who might have got there vehicle insured. They can recommend their insurance agents and you can make an appointment for queries and avail the car insurance if you feel satisfied.

http://www.cwik.com

Van and Vehicles Left in a State

By Ruth J

Findings from a recent study conducted by a British University and would be fitting in a book from the Horrible Science series, could turn the stomachs of UK motorists, after it was said that vehicles on the roads, could be housing over 280 different kinds of bacteria in a cm2.

Aston University found that vehicles, including vans have 283 different types of bacteria harbouring inside them. People who drive with pets or young children were said to be more likely to have higher levels of bacteria in their vehicles. Also motorists who eat in their vehicles had a great chance of having a dirtier vehicle. Such as drivers of commercial van, when used for work purposes, may stop for a quick bite to eat while they are working.

The gear stick was identified as the area in the vehicles with the most populated bacteria, where 356 germs were identified within a cm2.

A vehicle that was tested was found to have over 850 bacteria present in the boot and also included traces of excrement, in this same place the weekly grocery shopping was also kept on a regular basis.

Dr Anthony Hilton, Aston University Director of Biology & Biomedical Science, said: "Whilst most of the bacteria we've found are unlikely to cause serious health problems, some vehicles, particularly those which regularly carry children and animals, play host to potentially harmful germs.

"People would be horrified at the thought of eating off their toilet seat, but few realise eating off their car dashboard is just as likely to make them sick."

Bacteria such as Escherichia Coli (E. coli) were found in some of the vehicles along with salmonella and Campylobacter, which can survive on surfaces within the motor, such as the steering wheel or dashboard, for up to a month.

The most common types of bacteria found in all the vehicles involved in the study, were Staphylococcus epidermidis, Staphylococcus aureus and Micrococcus luteus. These types of bacteria are found on human skin, but pose no threat to the health of healthy individuals.

Further types of bacteria that were found include Bacillus, Serratia marcesens and Enterobacter aerogenes. These types of bacteria are usually found in soil and dirt and so it is believed that they enter the motors by the passenger's footwear, or from the paws of dogs and animals.

A recent poll by an insurance website, which also provides van insurance to drivers, found that 1,376 vehicle owner spend more than three years of their lives behind the wheel of their motors, and more than 75 per cent of these people east, en route each week.

One in four drivers said that their motors were littered with food wrappers and empty drink bottles, while 16 per cent stated that they leave uneaten food in their vehicles on a regular basis.

Half of the people polled in the survey admitted that their cars were left in a state and said they would never let their homes get to the same state as their motors.

In the worst case scenarios, some motorists admitted that they found pet droppings, a joint of beef, insects, a three-year-old sandwich and even mushrooms growing in the floor of their vehicles.

Ruth has more articles on van insurance.

Car Insurance - Think of the Long Run

By Karl Bantleman

It might be something that could frighten drivers, the thought of having to pay their entire car insurance premium in one installment. However, drivers are urged to consider the long run as they will find they are saving themselves a considerable amount of money.

According to recent figures, approximately 13 million drivers who pay their car insurance premium monthly are spending a massive £624 million more than those drivers who pay annually. As drivers look for ways to cut down the cost of running a car, they are clearly missing out on huge savings.

Prices on car insurance have risen by 4% with petrol prices also shooting up. All this means that running a car is becoming more expensive than ever. The average annual premium works out at £459.44; however those who opt to pay monthly are being charged £506.76 (£47.32 more expensive).

For some drivers paying the insurance premium in one installment may not be possible but for those who can afford to do so, should seriously consider it. There are ways of saving on your car insurance and paying annually is just one of them. Buying a fuel efficient car is the best way as you will not use the same amount of petrol.

The ability to compare car insurance quotes is very important so shopping online is the best way to find the most comprehensive quotes. Shopping online allows customers to compare quotes from the leading insurers and is the best way to save you some money on your car insurance premium.

For many people, spreading the cost of their car insurance premium over a 12 month period is the most cost-effective way as a small amount coming out each month is unlikely to have the same effect as one large sum being taken from your account.

The ability to compare car insurance means finding the best deals on is easy. Consider paying annually to reduce the cost of your car insurance and as prices continue to rise anything we can do to minimise insurance costs should be taken advantage of.

Woman & Car Insurance

By Jon Elton

Insurance is a very important aspect of today's lifestyle. In today's hectic as well as dangerous life, insurance is a way of protecting yourself from sudden accidents. It is insurance which provides you security and a peace of mind. Insurance is basically divided into two types- Life and General. Life insurance, as the name suggest, provides insurance on your life. On the other hand, general insurance provides insurance on general aspects like mediclaim, fire, car, home, etc. Thus, we can see that it is important for those who own a car to have it insured. That is because in case of an accident, you will not only have to pay the expenses for your hospital charges but also for the damage to the car. Thus, in such a situation, if you have insurance, the repair charges for your car are borne by the insurance company itself.

It is necessary that your car must be insured before going on road. And some say it even more necessary when a woman drives the car. Recent consensus has shown are women are the biggest accident makers. Sometimes accidents caused by women are as serious as those caused by men. Whether women are good drivers or not is yet to be decided. And it has its own impact on society. But the main and interesting part in women car insurance is that women get many benefits in their car insurance many of which they are unaware of. Woman insurance is beneficial for the parties, the insurance company and the woman in question. Most of the cases of accidents by women are like minor crashes, bump etc., so the insurance companies don't have to pay much for incidences.

But there are some cases in which a company provides insurance at a very low rate because of the high amount of profit the company earns. Also cheap cars get insured at low rates of interest. There re separate and special insurance plans for women which are quite different to those offered to men. Mostly, it has been seen that women are provided, along with their car insurance, other benefits free of cost or at a low rate. These benefits include Comprehensive coverage, Medical coverage, Collision coverage, Roadside Assistance coverage, etc.

With increase in demand for women car insurance, many companies have started a special women's insurance subsidiary. This enables the company to provide better deals to the consumers. There are specialist women insurance companies like LadyBird and Shiela's Wheel which are known to provide benefits to women as an enticement. They even offer cover for small articles like handbag and purse. So any man who wants to insure his car should do so on his wife's name so that he gets the special benefits and also gets to pay low premium.

Although women are known to have become aggressive drivers, there is no statistical evidence as such. So unless any statistical evidence comes up, premium rates for women drivers are going to remain low.

Jon Elton owns and operates a Car Home Life Insurance Quotes website to help while making decision about insurance. He also operates a Cheap Car Auto Insurance site to help taking decision about auto Insurance.

How to Lower Car Insurance Premiums

By Jennifer Quirk

When it comes to car insurance none of us really want to have to spend the time looking at all of the different companies to find out the best deal for out needs, but it is often this that's stops us from getting the good deals that we deserve. Thankfully this is one aspect of getting the right car insurance that we no longer have to worry about!

With all of the price comparison sites out there you will almost certainly be able to find a great deal from insurers that you may not have even been aware where out there to look at. It has been proven that the simple task of really comparing all the options you have will make the biggest impact on savings you have for your car insurance.

There are of course other ways to add to this saving too. One thing a lot of the companies are really impressed by at the amount of "green attitude" a car owner has. If you have something installed or purchase a car that has a lower Co2 emission you are likely to be eligible for an "eco friendly" policy. These are lower cost and therefore rewarding you effort to not damage the environment.

Extra security measures are also a big winner when it comes to getting a lower quote. If you have treated yourself to special flashy rims and the latest stereo complete with amplifiers you are making your car more attractive to thieves as well as your friends.

By having a high end car alarm, interior locking and tracking device on your car you will certainly increase the car's safety measure and therefore be rewarded with a lower cost insurance due to you being much lower risk, or at least break even by not making your premium sky rocket due to your luxury item modifications.

Car insurance is a necessity for us all, but there are many insurance companies offering deals for cheap car insurance if you look hard enough.

Know the Right Auto Insurance Provider

By Iyke Phelim

Competition is the key to making it in the market and this is what is experienced in the auto insurance market. Therefore, you have to be very careful with the kind of deal you accept. The provider offer different kinds of deals, many will look excellent but if you look deeply you will find out that the coverage is low.

The way to go about this is making use of the internet strategy. There you will have option to select amongst different insurance companies the one you think will serve you better. A great many times some companies due to diligence will allow you to both save some money and get the exact policy you require.

On the internet, you enjoy services like; same day coverage, printing of necessary data online, asking of questions, renewing your policy whenever you want and making payment for more than one thing with direct and immediate debit.

However, you do not deserve anything than a better deal from a trusted company. Get an Auto insurance free quote, fill in your zip code in the given box, and submit it. All the data of auto insurance providers in your region will appear given you the opportunity to make your choice and deciding on the best deal, you want. You can also; through this, means get a great low rate on car insurance.

It is not easy to own a car and it is very difficult to get a car that is not insured back to its normal shape. So help yourself get a Free auto insurance quotes and get your dream car insured.

Its all here and very easy to get! by NDIMELE IKECHUKWU PHELIM. QUALITY SERVICE PROVIDERS. LOANS. INSURANCE. QUOTES. Get Your Insurance Right

Don't Be Dim When Driving in the Sun

By Isla Campbell

We all love the sunshine, but we're not always that well prepared for coping with it when it does finally arrive. This is especially the case when it comes to driving. No matter what age your car is and how well equipped it is to handle hot weather, it is still down to you to make sure that your journey is as comfortable as possible - regardless of whether you are travelling for miles or just down the road.

When we think about dangerous weather conditions we often think of rain, snow and ice. But the sun can be equally dangerous if you aren't properly prepared. The most obvious thing to think about is taking a set of sunglasses with you wherever you go.

Sun visors are okay to an extent, but they block out everything - including your view of the road ahead, and that means limited visibility. Good sunglasses on the other hand - prescription strength if required - allow you to see more of the road without worrying about getting the sun in your eyes.

Even a quick reflection of the setting sun in the window of a building can be enough to affect your vision temporarily - and that can lead to an accident regardless of whether there are other road users nearby or not.

Of course it isn't just the sun that poses a problem - it's the heat as well. We're often advised not to go out when the sun is at its hottest, and yet many of us are happy to get in our cars and drive around in that heat. Even with air conditioning in the car or the windows rolled down it can still be unbearable, and that can lead to feeling sleepy which in turn increases your chance of having an accident.

Try and rearrange or reschedule your journey if you can, but if you have to travel then you need to make sure your car is as ready for the journey as you are. One of the essential things to remember is bottled water, because you may need to top your car up as well as drinking it yourself to stay cool and help prevent dehydration.

But when it comes to driving in the sun it isn't something you only need to worry about during the summer months. In autumn and winter, even though the sun is generally a lot weaker it can still reflect off wet roads or hamper your vision when it is low in the sky.

Of course, discount car insurance is always an essential but making sure your policy is correct and up to date means that in the event of you or another driver being dazzled by the sun, any damage will be sorted out as quickly as possible.

And that means you'll be back on the road in no time.

Isla Campbell is an online, freelance journalist and avid traveler and pilates devotee. When not on the road she lives on the outskirts of Oban.

Auto Insurance - A Young Male Adult's Options

By Chimerenka Odimba

Insurance companies seem to view young male adults with a high level of suspicion hence their tendency to charge them quite high on their auto insurance. Is it possible for these young men to get lower rates on their auto insurance?

It is generally taken for granted that young male drivers are more accident prone that any other class or category of drivers hence their classification as high risk. If you consider that insurance companies generally operate a higher risk higher rate system, any young male adult looking for lower rates need to do a couple of things to reduce the rate brought about by this stereotyping.

To really get low rates as a young male Adult, you need to start right. Even before getting your car, you need to first get as many quotes as possible. This would help you decide which car would cost you more and how much you are willing to sacrifice for a particular car. This quotes actually cost nothing but are very beneficial.

To really lower your rates more. you need to begin to create a history for yourself because your personal history certainly take precedence over the generalization. So drive careful and try not to get any tickets fro violation you would eventually cut your premium ( because I would advice that you review your policy after about a year or two of good driving) and you would also earn a discount for not claiming on your auto insurance.

Another option you might choose while building a history for yourself is to add on to your parents insurance while still doing all of the above. By the time you are ready to get yours, you would also have a history that would do you good.

Don't forget the importance of getting as much quotes as you can it increases your chances

of getting very low rates by four fold.

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

Auto Insurance Questions

By Cary Bergeron

If you own a car, you need car insurance. Every state in the nation requires auto insurance, because it protects everyone on the road. As you are shopping for an insurance policy for your vehicle, here is what you need to know.

There are four main types of car insurance that people purchase. Everyone must have liability coverage, which protects other people and their property from accidents that you cause. Some choose to purchase collision coverage. This pays for damage to your personal vehicle, even if you caused the accident. Comprehensive coverage will pay for damage to your car that was not caused by a collision. Personal injury protection will pay for injuries you sustain in a crash, even if you were liable for the accident.

When you purchase a policy, you are allowed to choose the deductible amount for various parts of the policy. For instance, you could have a $500 deductible for your personal injury protection. This would mean that the insurance company would not pay anything for injuries you sustained for an accident that was your fault until you had paid $500 out of pocket. You can set deductibles as high or low as you want. The higher your deductible, the lower your premium cost. You should choose a deductible that is as high as possible, without being out of reach if you needed to pay it suddenly.

You also need to choose how much coverage you will have. All states have minimum coverage requirements, but you may wish to raise the limit. For instance, if your state requires you to have $20,000 liability coverage, you may wish to increase this. If you were sued for more than $20,000, which is very likely, you would be responsible for the rest of the settlement out of your own pocket.

If you need to save money on your policy, you do not have to purchase insurance for yourself or your vehicle, provided you own the car outright. However, this would mean that you would receive nothing if your car were totaled in an accident that you caused. You need to decide if the amount of money you would save on the insurance is worth this risk.

Make sure that you are not paying more for your insurance than the car is worth. Look at how much you pay each year, and compare that to the value of the vehicle. If the numbers are close, you should consider dropping your collision coverage, which covers your vehicle, because you would not receive much for the vehicle if it were totaled. You could be putting the money you are paying towards insurance into a savings account to give you a nice down payment on a new car if you need it someday.

To get more answers to your Auto Insurance Questions you should consult an insurance agent. If you have more general Insurance Questions visit our website Insurance-Questions.org

The Consequences of Not Having Auto Insurance

By Amy Nutt

If you are one of those people who think auto insurance is a scam, beware. There could be some major payout in your future. Car insurance is extremely valuable, particularly in today`s society as more and more people find themselves involved in accidents that aren`t even their fault. You can literally be the safest driver around and still end up in a car accident. While it may not have been your fault, you may still be liable for some of the damages and this is where it comes in very handy to have auto insurance.

It Could Be Illegal

Depending on where you live, chances are it`s illegal to drive without insurance, so you`ll want to make sure that you have the minimum required, which is liability. Even in areas where you aren`t required to have insurance per se, you ARE required to have the money to cover an accident. You will need to actually prove that you can pay for damages, should they occur. This could be a big problem if you don`t have much money stored up in the bank.

Most drivers without auto insurance end up doing hit and runs, to avoid being caught, which usually results in jail time. It`s not a good idea to drive without auto insurance, but this isn`t the worst that could happen if you avoid it.

Since driving without insurance or the ability to pay for damages can hold some big consequences, you will want to know what they are in your area. Some states only charge a fine (often in the thousands) or impound your car, but many will include jail time.

Bigger Losses, Bigger Payouts

What happens if you are in a car accident and you haven`t purchased car insurance? You will be in big trouble, to say the least, particularly if the accident is deemed to be your fault. You will be responsible for any injuries and damages involved in the accident, which can grow very rapidly.

Not only will you be penalized for not having the appropriate insurance, you will also be required to pay out of your pocket. This can literally bankrupt someone and it can be extremely bad for your record. You could even lose your license, which negates the need to buy auto insurance after the fact.

A major car accident could end up costing you hundreds of thousands of dollars, plus fines and jail time. It`s really not worth it when you consider how little you would pay each month for peace of mind with auto insurance. Not to mention, if you are the one injured in an accident and the other driver has no insurance, you are really going to be in trouble. You`ll end up having to pay your own medical bills, which, as we all know, can get very expensive, very fast.

Driving without auto insurance could be the biggest risk you`ve taken in your life. While you will be saving money in the moment, there`s no telling when (not if, but when) you will be in an accident and need that insurance. Rather than paying a minimal amount along the way, you`ll end up being responsible for everything all at once and that`s a hit that most bank accounts just can`t deal with.

Rather than risk your savings, it`s far better to invest in auto insurance and simply pay by the month or year, eliminating the need to lose everything when you have a collision. The minimal amount of insurance will keep jail and fines at bay and doesn`t have to be terribly expensive.

Complete home and auto insurance Quebec. Get a free, no obligation car insurance quote in Quebec online. Insurance products include standard coverages with options and deductibles that can be adapted to suit your needs.

You Are in Control - How Can Women Get the Best Car Insurance Deal Around?

By Yuma Jenkins

Car insurance is one of those things in life that you cannot live without, but is not worthy of spending a penny more than you have to.

Some of the factors that can make a significant impact on your car insurance premium are: gender, age, driving history, and the type of vehicle being insured. First, the type of car being insured. Obviously, a BMW is going to cost more to insure than a Geo Metro. If you have excellent driving records, insurance companies will think of you as less likely to be involved in accidents, hence offering you lower rates. Further, women tend to be considered safer drivers than men, so stand a better chance of obtaining a deal on auto insurance. If you're female and over the age of 23, you're even more likely to get a lower quote.

However, just as we cannot choose the kind of family we were born into, gender and age are not something we have control over. Being a woman does not guarantee that you will get cheap car insurance. Below are some of the things you can do to lower your insurance premium:

• Decline rental coverage. If you live in an area that has convenient mass transportation system, take advantage of that. With gas prices going up, you'll end up saving even more.
• Increase your deductible. By increasing the amount that you pay, per claim or per accident, toward the total amount of an insured loss, you can generally lower your premium.
• Decline comprehensive coverage. There is no point in protecting your car from every kind of damage conceivable if we are talking about a 1998 Toyota that has already got 10 thousand miles on it.
• Decline medical coverage. If you have excellent medical insurance, there is no need to pay extra to include medical coverage in your auto insurance policy.
• Decline towing coverage. If you are member of an auto club, you're already eligible to towing benefits. Why pay additional for towing?
• Combine car insurance. Almost all insurance companies offer multiple car discounts, so tap into that when you can.
• Decline rental coverage. If you live in an area that has convenient mass transportation system, take advantage of that. With gas prices going up, you'll end up saving even more.

Anyways, you have ways to control your car insurance premium to some extent, regardless whether your demographic profile works against you or not. I hope this article may also help you a little bit in finding the cheap car insurance. For more information about finding cheap car insurance, you may visit many online resources such as http://cheapcarinsurance.dengsoft.com/cheapcarinsurancediy.php Your legwork will finally pay off and you'll be happier with savings in your auto insurance premiums. Cheap Car Insurance Info Center: http://cheapcarinsurance.dengsoft.com

Personal Car Accident!

By Sadhana Dhanyal

A car accident is a road traffic incident which usually involves at least one road vehicle being in collision with, another vehicle, another road user, or a stationary roadside object which may result in injury or property damage. The common phrases used to describe accidents include car crash, car smash, car wreck, fender bender, motor vehicle accident, personal injury collision, road accident, road traffic accident, road traffic collision, road traffic incident, traffic collision and so on. Such accidents have become a common occurrence these days.

If you have you been injured in a car accident and wish to seek compensation for it, you can opt for car accident personal injury claim. These claims are exclusively meant for those involved in a car accident. Don't worry if you are confused as to whom to approach regarding claims. You can approach accent claim specialists who will guide you on the entire process of claim.

Car Accident Personal Injury Claim

An increasing number of people are falling prey to such accidents. Roads have indeed become a dangerous place to be in. Majority of the accidents are caused due to human error. However, they are also caused due to vehicle failure or improper road maintenance. In spite of the best safety measures they tend to occur. Getting over an injury may not be an easy task though. With appropriate guidance, you can surely overcome the tough situation.

If you have suffered any personal injuries, you can also seek a claim for it. Personal injury compensation claims can provide you a helping hand. You can also get all the required information on personal injuries looking online. Benefit now from their reliable and friendly service and secure a suitable compensation.

One can suffer from personal injuries due to various reasons. The injuries may result either due to slips and falls at work or through medical negligence. Most of the times, accidents also result due to the one's own fault. However, the vast number of accidents occur due to the negligence of others. If you have been one such victim, you can surely seek compensation for it. At times, these injuries result fatally. Some of the serious whiplash injuries include head injury, neck injury (whiplash), back injury, and leg injury.

Opting for no win no fee whiplash claim can help you seek compensation without paying any fees for the claim. No matter whether you win or lose the case, you need not pay anything. Many people have benefited form this service!

Log on to Personal Injury Compensation Claims For more information: No win no fee whiplash claim

Car Insurance is a Must

By Ricky Hussey

Everyone who owns a car, always experience nightmares about the high costs involved. Car maintenance is a different thing but the main area of concern is the car insurance. But it is a common mistake that people often opt for expensive plans rather than cheap car insurance. For those who are seeking a cheap insurance plan for their car, this might be very helpful.

The most important thing to keep in mind while choosing a plan is to carefully compare the different quotes from the insurance companies. It is a better decision to compare the prices online. This saves your time and you don't have to run to different companies. The companies offer various plans that suits different people. So, be sure to carefully examine all the prices that are available to you and offers you the maximum services. Putting all of your cars under the same plan is also a good idea. Many companies provide extra benefits and discounts if they have more than one car to be covered. If you do not have more than one car then you may also opt for some other insurance. Companies also offer benefits if you are a multi policy holder.

You should know your car well before you decide the right type of policy for it. If you drive an old car, you might choose the comprehensive and collision coverage. This is a wise move because its market value is low. However, a brand new and expensive vehicle requires a heavy insurance policy because its market value is high and it can also attract many unwanted problems like thefts. Moreover, if damaged, the repairing charges of such cars are very huge.

It is very essential to pay the premiums on time whenever they are due. This improves your credit history and also improves your reputation in the company. This way, the insurance company might offer you several discount because of your punctuality. This also saves you from paying higher insurance rates.

If you do not drive your car much often, you may consider choosing a low mileage policy. Cars that run less are usually in a better condition than other cars. A low mileage insurance is very much inexpensive than regular plans. This is one another way to select good cheap car insurance for yourself and your car.

NetCars, one of the UK's leading motoring websites for used cars. First established in January 2000, it provides car loans, finance and warranty. NetCars also provides a cheap car insurance service.

Auto Insurance For Your Vehicle

By Ray Gallagher

Auto insurance is, as the name suggests, the insurance of an automobile which is mandatory at the time of the purchase of that vehicle. In some countries these insurance policies are handled by the government but in the U. S. private firms handle car insurance policies.

Auto insurance generally covers claims pertaining to theft, fire, accident, or damage due to a road accident. Different countries have different criteria for giving out this type of insurance. While some countries take into account only the model of the vehicle others also take into consideration various other factors like sex, marital status, age, past driving record, etc.

Unlike life insurance or health insurance, auto insurance for a given vehicle comes in fixed packages. Different vehicles have different amount stipulated depending on the cost price and the condition of the vehicle. Hence a person will have to pay a lower premium amount for a motorcycle than he would have to pay for his truck or his brand new car. Also unlike life insurance or health insurance where one can purchase insurance for the life or health of more than one person, there is no such thing for auto insurance. No matter how many vehicles you own, you will have to pay individual insurance payments for each one of them.

Eligibility of Claim For Auto Insurance

The owner is entitled to get a claim on his/her vehicle even if he/she were not present at the time of accident under certain conditions-

- The driver was holding a valid driving license.

- The driver was holding an effective learner's license.

The average Auto Insurance Policy covers your vehicle for most purposes except a few which are:

1. Hiring a vehicle, or giving it away in reward.

2. The vehicle is carrying goods other than personal luggage or samples.

3. The vehicle is used in organized racing.

4. The vehicle is used in Pace Making.

5. The vehicle is used in Speed Testing and Reliability test.

6. The vehicle is used in connection with the Motor trade.

In each of these categories either the insurance company refrains from giving out the insurance or it demands a higher policy amount.

Items Covered Under Auto Insurance

An insurance policy can cover a few or all of the items listed below:

- The insured auto or vehicle, of course

- The insured party

- The third party (comprising both vehicle and the people).

Granting An Insurance Claim

Due to several instances of foul play reported with regards to the claims made by an owner for the insurance of his vehicle, the insurance company takes extra precaution while making out these claims. If the claim is a relatively small one then no major investigation is done. But, if the claim is for a lot of damage then they check out all the aspects of the accident before parting with their money. A person must go through his auto insurance policy before making out a claim so that they know what is covered and what is not covered.

As a precaution, the policy holder should actually go through their policy when the first get it and ask the insurance company any questions they may have regarding the policy.

For more information on Cheap Auto Insurance please visit NetVistaInsurance.com