Vehicle Insurance Vs Courier Insurance

By Eric Token

When running a courier business, it is almost certain that you use a vehicle - or several vehicles - as part of your business operations. Those vehicles include trucks, vans, cars, and even motorcycles, and they are all very crucial to the smooth operation of a courier company. Having one or more of your armada not operational will surely do great damage to your business operations, and it will be something you would want to fix as soon as possible.

It is only natural that these vehicles are insured, with standard vehicle insurance, but many courier companies still think that vehicle insurances are enough. Some even think that vehicle insurance and courier insurance are the same, or at least provide the same benefits. The fact is, both insurances give different benefits under different circumstances, and it is important for a courier company to have vehicle insurance as well as courier insurance to support their business.

Combining vehicle insurance and courier insurance is not a hard job to do. Vehicle insurance will provide protection and coverage to your courier fleet. This will ensure your company's smooth operation by providing fast repairs and repair expense coverage should any of your vehicles be damaged or rendered not operational. This way, you can save both time and money, and your business operations will run almost as if you are fully operational. Courier insurance, on the other hand, provides coverage for goods and packages shipped through your courier business as well.

Your customer's goods in transit will be fully protected should anything go wrong. Some courier insurances even provide coverage against damage caused by accidents, force majeure, and loss of items in transit. Combining the two insurance solutions can help you run your courier business in a better manner and avoid any unnecessary problems in the future.

There are some tips you can use if you are planning to combine vehicle insurance and courier insurance. You would want to seek both solutions from the same insurance company. Having the same insurance company for both your vehicle insurance and courier insurance will enable you to get far better quotes and decrease your fees, thus making the overall cost of getting these two solutions a bit lower. You will most likely get discounts as well, so the cost could end up pretty low indeed. Another good thing to do if you are planning to combine vehicle insurance and courier insurance is to assess how big your business is.

If your courier business is small or medium sized, it would be better for you to ask for monthly payments options. The overall investments of getting the two insurance solutions will still be just about the same, but paying them monthly will help you with your cash flow. Big companies could opt for a full year (or even several years) payment to increase the chance of getting discounts.

As you can see, vehicle insurance and courier insurance both have their own purposes and it would be best to combine the two insurance solutions to gain more benefits and ensure your courier company's smooth operation.

Quote Me Today provides dependable insurance coverage with a variety of courier insurance policies to choose from to financially protect your courier business.

Car Insurance - Insuring Vintage Cars

By David Collins

We all have our own favourite make or model of car, whether it's a souped-up sports car or a vintage classic. Many enthusiasts will spend hundreds, even thousands of pounds on maintaining and improving their vehicles.

Classic car enthusiasts pride themselves on maintaining older cars, working diligently to restore the vehicle to its former glory before driving them to 'rallies' in order to show them off and talk shop with fellow car enthusiasts.

Depending on the make and model of your chosen vehicle, finding spare parts and affordable car insurance can be a difficult business. With modern cars, stockists exist everywhere from the high street to online superstores - which sell everything from air fresheners to alloy wheels.

When searching for vintage car parts, however, your search may be limited, but knowing where to look can bring great results, allowing you to find the parts you need to help restore the vehicle to its original state. However, nowadays it can be worth looking to the Internet for such information, for many enthusiasts set up their own websites in order to show off photos of their cars, but also to post handy step-by-step guides on a wide variety of restoration jobs and may even offer spare parts for sale.

This can be very helpful in your quest for advice about your chosen vehicle, and can also help to put you in touch with other enthusiasts - who could offer a wide range of valuable information about finding spare parts and insurance.

Finding cheap car insurance for such vehicles can also be a frustrating, not to mention expensive process. There are a few companies which offer specialist cover for vintage and classic cars, so it's best to shop around for quotes before deciding on one in particular. Indeed, as more enthusiasts make use of the World Wide Web in order to sell parts and offer advice, many are also turning to the internet in order to find affordable quotes on their classic car insurance.

These specialist providers will usually take into account the age and make of the vehicle. Many enthusiasts will only use their vehicles for the purposes of rallies and car shows, rather than using them as an everyday car - mostly due to their lower speeds, roadworthiness and rarity - however the vehicles are still required to be insured, even if the vehicles are only going to be used occasionally.

Looking for cheap car insurance for a classic or vintage car? Compare a range of classic car insurance companies in order to find an affordable car insurance policy for your dream motor.

MyRate a New Way to Risk Assess Drivers

By Onome Okwusa

How does it work?

What Progressive have created with their new insurance plan is a way for the driver and their vehicle to communicate with the insurers directly so a more detailed picture is built up about the individual, potentially saving customers hundreds of dollars a year. The 'behaviour-based' insurance program makes use of a small wireless device that plugs into a port in the car and communicates with the insurance company.

The device will inform the insurance company as to what time of the day the car is being driven, how often and the manner in which the driver is handling the vehicle. From this Progressive will be better informed as to the supposedly 'safer' 38 year old female driver's road handling skills, does she actually change lanes like a speed-racer, does she drive as close to the vehicle in front as possible and is regularly forced to slam on her brakes?

What about the supposedly 'high risk' 22 year old male driver, is he in fact a poster child for driving, consistently alert, keeping a safe distance away from the car in front and opts to drive at less dangerous times of the day? If he is, then whilst on the MyRate program he should see a drastic reduction in his premiums, saving him some much needed cash.

The future of car insurance

For now the program is only available to drivers in Louisiana and they will be able to take advantage of a further discount if they choose to sign up online. Of those drivers it is good to note that not everyone will opt for the program, individuals who may not clock up a large amount of miles per year but drive during the riskier times of the day may see their premium go up are one group that may 'gracefully' decline the invite to the program.

Households that have more than one car, with their second car receiving a lot less usage may choose to sign the household's second vehicle up to the program while leaving their primary vehicle insured under a more traditional program. The program "MyRate is designed for consistent and safe drivers" commented Richard Hutchinson, Progressive's MyRate general manager, he went on to elaborate; "people who drive at low risk times of day and who keep alert for others on the road". This is the group that "keep alert for others on the road...don't make fast lane changes" and "don't have to over-react or slam on the brakes".

If this is the future of car insurance and the program proves to be a success, it may mean the dumping of traditional risk-calculation and the heralding of a new way to assess an individual, their risks in a much more detailed and accurate fashion.

Onome has more articles pertaining to car insurance

AAA Auto Insurance - A History of Value and Service

By Natasha Wilson

In the vast world of insurance companies, AAA is the oldest and, many will agree, the most reliable. Having a long history of excellent customer relations and a wide range of insurance products available, AAA Insurance is an old dog in the barnyard.

The American Automobile Association, AAA, began in 1902 by the combining of 9 or the 50 existing auto clubs in existence at that time. AAA immediately asserted itself as a powerful force in Washington, as by 1916 AAA's efforts resulted in the first passed legislation dedicating federal government money to the construction of roads.

Although the exact laws do vary from each state to another state, all licensed drivers are required to poses some type of auto insurance in order to legally be on the road. In Michigan, the driver is not required to purchase auto insurance, but the car or other motor vehicle he is driving must be validly insured by the person who owns the vehicle.

No Fault insurance includes Personal Protection which covers the cost of personal injury to the driver and any uninsured passengers of the driver's vehicle in the case of an accident, and Property Protection which covers damage done to other property by your vehicle, no matter who is at fault in the incident.

One of the benefits of coverage thru AAA, is the variety of rate discount programs available. AAA grants a policy rate reduction to its members whose vehicle has a anti-theft device, another for those who have multiple vehicles insured through AAA, and an additional reduction if the member signs a seat belt wearing pledge.

AAA will also coordinate your auto insurance policy with your current health insurance plan or eligible income protection plan to further reduce your premium rates.

Another way to reduce the cost of auto insurance through AAA is by taking advantage of the other types of policies they offer. AAA offers comprehensive and affordable policies for Life Insurance, Homeowners Insurance and Boat/Personal Watercraft Insurance, which purchasing of will enact a multiple policy discount on your auto plan through AAA.

The list of possible policy rate discounts does not end with auto insurance through AAA. Discounts on Watercraft Policies include 10% to Senior Citizens 55 and older, additional 5% if boat has an automatic built in fire extinguisher, and AAA's Preferred Boaters Discount offers policy rate cuts if the insured is a member of the US Coast Guard Auxiliary or U.S. Power Squadron, if the insured completes a certified boaters safety course, and discounts based on the ages and driving records of the insured operators.

AAA's long standing reputation of customer service and many cost saving options make it the first choice in researching auto insurance policies.

Natasha Wilson has been assisting consumers in saving on their AAA Auto Insuance since 2004. She is standing by to assist you in obtaining your Fee Insurance Quotes online.

Low Cost Auto Insurance - How to Obtain the Low Cost Car Insurance Policy You Want

By Laura Caldwell

Having a low cost auto insurance policy is something that every driver wants. With prices of everything currently on the rise, and car insurance is no exception, this seems easier said than done to many people. How can you lower the cost of your insurance policy?

1. Choose a Higher Deductible: By opting to go with a higher deductible you can lower the premium on your policy. Just make sure you can afford the deductible if you do get in an accident.

2. Take a Driver's Safety Course: Check with your insurance company to see if they offer a discount on insurance policies for completing an approved course in driver's safety. Many insurance companies promote this and it is one way that you can lower the cost of your policy.

3. Equip Your Vehicle with Safety Features: Many companies will give a discount to drivers that have cars with certain safety features such as proper safety restraints and air bags.

4. Make Sure Your Car has Anti Theft Devices: This is another feature on your car that could save you money. Many companies will give discounts for anti theft devices such like certain locks and alarms.

5. Get Good Grades: If you are a student, getting good grades could save you money on car insurance. Having good grades could earn you a discount on your auto insurance policy.

6. Carpool: By driving less you could be one step close to a low cost car insurance policy. Many companies have a discount for people who meet certain low mileage requirements. Find out what your insurance company's requirements are for this, and try to meet them.

7.Shop Around: Compare quotes every six months or so to make sure that you are getting the lowest cost car insurance policy available to you. Not every company has the same rates, so shopping around can certainly benefit you.

Auto Insurance Quotes - What Affects Your Car Insurance Quote and How Can You Lower It?

By Laura Caldwell

When shopping for insurance it is always wise to compare multiple auto insurance quotes from many different companies. You will want to compare rates from at least five or six different companies to make sure you are getting the policy that is right for you at the best price possible. But how do companies determine the quotes that they give you?

Insurance companies look at a variety of factors before determining the quote they will give you. Here are some of the main things affecting the price of your auto insurance policy.

Factors Affecting Your Auto Insurance Quotes

1.Your Age: Younger, less experienced drivers and also very elderly drivers are more expensive to insure.

2.Your Gender: Female drivers are less expensive to insure then male drivers.

3.Your Location: Where you live will also affect the price you pay for auto insurance. Not only do different states cost more in terms of insurance than others, but people living in rural areas most often pay less for car insurance than those living in a more urban area.

4.Your Vehicle: The vehicle you drive makes a big difference in terms of cost of insurance. Cars that insurance companies deem more likely to be stolen and cars that are expensive to repair will cost more to insure.

5.Your Credit Score: Many insurance companies will look at your credit score when determining the quote they will give you for car insurance. Insurance companies look at people with lower credit scores as higher risk and therefore assign hem higher rates.

6.Your Driving Record: Auto insurance providers will of course check your driving record to help determine what you will pay for insurance. If you have a history of tickets and traffic violations it will affect you quote.

7.Your Claims History: The company will also want to know what claims you have made in the past. If you a history of making claims it will affect your rates.

What Can You Do to Lower Your Car Insurance Quotes?

Obviously many of these factors are beyond your control. However, there are some things you can do to pay less for car insurance. When buying a vehicle, consider what it will cost you in insurance.

Another thing you can do is work on lowering your credit score. Pay your bills on time, avoid opening unnecessary lines of credit and start paying off your debt and you could raise your credit score and lower your auto insurance premiums.

Also, start being a safer driver. While you cannot change your driving record, you can avoid future tickets and driving violations.

Comparing multiple quotes before buying car insurance is another way to save money. If you already have a car insurance policy, it is a good idea to compare quotes every six months or so as car insurance rates from various companies can change dramatically over time.

How Long Does it Takes For Traffic Tickets to Clear Off DMV Records?

By Kian Chew Chong

Traffic Tickets and Your Insurance

Very few people will go their entire life without at least one traffic violation on their record. When this happens, it can adversely affect your car insurance rates. There are some important things you need to know about your driving record and how it can impact your car insurance in the future.

Tickets

Tickets can range from moving violations such as speeding to non-moving violations like parking tickets. For the most part the only violations that will affect your automobile insurance are moving violations. Things like speeding and driving under the influence are at the top of the list. It is estimated that a speeding ticket can increase your insurance rates by as much as 25% for a first offense. On the outset that may not appear like a lot of money but when you consider that it will remain on your DMV report for up to three years you can see that it is a significant increase.

Department of Motor Vehicles Report

Any of the above violations will be reported on your driving record. Some offenses will take points away from your license. The points system is a system by which offenses are rated as points and when you reach a specific number of points, your license may be suspended. For example, a speeding ticket in West Virginia can cost you five points on your license and should you reach 12-13 points you license may be suspended for 30 days. Some states will revoke all driving privileges for a chronic offender.

Your DMV driving record is something that you need to check every so often to be sure it is free of any errors. With the impact that it can have on your car insurance you do not want to be paying for an infraction that you did not commit. The cost and procedure for obtaining your DMV report may vary from state to state however, your local office should be able to assist you. In some areas, you will automatically get a copy anytime a business like an insurance company requests one.

How are Violations Removed

Depending on the severity of the violation and the state in which the violation occurred, many tickets can remain on your driving record or criminal record for three years or more. Violations such as DUI or vehicular homicide will be on your criminal record as well as on your driving record.

To remove violations from your driving record you can of course dispute any that are in error. For the rest you may have to simply wait them out, some states will credit you for taking a driving safety course.

These courses can also reduce the cost of your insurance. However, the courses themselves are not free so you will want to weigh the gains against the cost. The moral of the story is this if you want to keep quality insurance at an affordable price keep a close watch on your driving record, and if you do get into some hot water be sure and consult an attorney before paying your tickets. When paying a $50 speeding ticket you are admitting guilt and it will be on your driving record within 10 day. The fifty dollars in and of itself is not terrible but the resulting rise in your car insurance will be. Be aware of all these facts and take the appropriate steps to avoid them.

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

How Accurate Are Online Auto Insurance Quotes?

By Kian Chew Chong

It is very convenience to shop online for insurance. Getting online insurance quotes is much quicker than driving to insurance offices to compare car insurance premiums. There are a lot of web sites that offer quotes online in a few minutes. Many of these will allow you to purchase your auto insurance coverage on the website and print out your insurance papers immediately. You can go to a particular insurance company's website, or to an insurance comparison site.

An insurance comparison site will give you quotes from many different companies at one time. This means you only have to fill out the long form with all your information once. This saves you a lot of time and allows you to compare car insurance rates and find the one you need much easier. If you are in a hurry to find the cheapest online car insurance, this is a good way to do it.

You will need to have some information available when you get your quote such as the make and model of your car. Social security numbers for everyone who drives your car and what type of coverage you are wanting.

The accuracy of these online insurance quotes may depend on the information you fill out on the form. The insurance company will check your driving record so if there is anything in it that you forgot to report, it could cause your car insurance premium to be raised. Some auto insurance companies also run a credit check. Your credit score can make a difference in the cost of your auto insurance policy.

Most auto insurance companies have a tendency to give you more coverage than is required by law. It is a good idea to ask them exactly what the state minimums and requirements are in your particular region. It never hurts to confirm this information from another source. For instance, some states do not require uninsured motorist protection at all but you can find it on about any auto insurance policy you look at, despite the fact they have been told you only want what is required by law.

If you are looking for the cheapest online car insurance try using an auto insurance comparison site. It will save you a lot of time and you will get quotes from top companies. Most of these follow up with an email or perhaps even a phone call. This will make it easier for you if you need more information before you make you decision. It is a good idea to compare your car insurance premium with what other insurance companies have to offer every few months.

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

Find the Most Affordable Car Insurance Quotes Online

By Khumbulani Phiri

Most people try to find the most affordable car insurance quotes online with very little success. The problem is not in that it is difficult to find such quotes, but rather that people don't know how to go about it the right way. A good strategy of finding cheap quotes online will reward you with the most affordable premiums at the shortest possible time. In this article, we will look at a very simple plan that you can use to search for the best car insurance quotes online.

To begin with, it is best to ensure that you are adequately prepared before embarking on the search process. The process of preparation will ensure that you have the required information for you to get quotes from the different sites. Here is a breakdown of the most important details you will have to prepare;

Your residential details - will be crucial as they will enable the insurer to determine the level of risk of the area in which you stay with the vehicle. It is normally important to have the details not only of the name of your suburb, but also the smaller part of the suburb e.g Rivonia extension 12.

The details of the vehicle - you wish to insure will also be very important. The insurance company wants to know the exact make and model of the vehicle you are looking to insure. You have to know the engine capacity and the year of manufacture.

Your insurance history - is also a very important piece of detail. It is very crucial for insurers to know how long you have been comprehensively insured without submitting claims as this helps them to calculate this discounts you should get.

Once you have all the required details at hand, begin your search at the car insurance comparison websites. These sites will save you traffic loads of time while massively increasing your chances to find the most affordable car insurance quotes. This is mainly because, at a car insurance comparison website, you only complete a single quote request form and get quotes from several insurers.

You however need to use more than one of these sites for two major reasons. To start with, you will effectively cover your market in no time at all, and, secondly, you avoid getting quotes from a single insurer trading under different trade names.

It is also essential that you get quotes from the small insurance companies as well as the brokers. The reason why l still recommend that you get quotes from brokers usually is because of the fact that brokers get excellent deals from the companies they represent. They therefore offer you one of the best opportunities for cheap car insurance quotes.

The small insurers on the other hand always try to compete with the big boys by offering cheaper premiums. To do this successfully, they have to control their cost structure in order to pass on the savings to you. This is therefore a source of cheap premiums you cannot afford to ignore.

The only problem however is in that you have to complete numerous quote request forms as most of these are not linked to comparison sites. However, the stress you go through may well be worth it.

Do you want to have access to tested strategies to consistently secure for yourself the cheapest car insurance premiums? Click here to find out => http://www.car-insurance-advisor.com/ Khumbulani Phiri has extensive experience in the insurance industry and offers free advice to consumers.

Knowing the Difference Between a Lapse and a Gap in Auto Insurance - What It May Mean to You

By Jay Newman

By definition, a gap in auto insurance occurs when your insurance does not cover the current value of your car. Once a new vehicle leaves a parking lot, its value depreciates rapidly. If you are in an accident that totals your car, the bank or financial institution requires you to repay the loan. Say your $24,000 car is now valued at $15,000, but when you total the car you still owe $20,000. Your auto insurance will only pay the Blue Book value. You must come up with the additional $5,000 from your own pocket or continue making car payments until the loan is paid in full. Gap auto insurance helps cover that additional balance so that your loan is paid off and you are able to replace your totaled vehicle as quickly as possible.

It is impossible to predict if or when you'll be in an auto accident. The accident might be your fault or someone elses. Regardless, many states have laws requiring car owners to have auto insurance at all times. Auto insurance is paid monthly, quarterly, bi-annually or annually. Failure to make a payment on time creates a lapse in your policy. Even if you make the payment a few days or weeks late but quickly catch up on payments, your insurance record is marked with a policy lapse. It's never a good idea to allow your auto insurance policy to lapse.

Not only does this mean that you may face penalties from your state for not having the required insurance coverage, but it also alerts insurance companies that you failed to make a payment and puts you at risk for higher rates. In addition, for the length of time you failed to pay your basic auto insurance or coverage to prevent a gap in auto insurance, you are not covered. Should you be in an accident during this lapse, you'll be in a messy situation because you'll pay for all damages, medical bills and legal fees out of your own pocket.

Experts agree that you should shop around for insurance policies every six months to a year. When doing this it is important to purchase a new policy, if applicable, before you call to cancel your other policy. Should your new policy begin after your old policy has expired, you would create a lapse that could be costly down the road. If you are being deployed in the military, experts still agree that you should keep your car insurance policy up to date. Even a stored vehicle can face costly damages.

Author: Jay Newman For more information, go to: http://lapsedautoinsurance.com/index.htm or http://lapsedautoinsurance.com/insurance.html

Teenager Car Insurance - Get it Cheap

By George Knoechel

Are you in the market for teenager car insurance? Well, take it from me: The prices can be down right scary. As a result, it pays to shop around and find the right bargains. Here are some tips on how to find the cheapest teenager car insurance.

1. Have a car that is loaded with numerous safety features. A teen driving a car with safety features will make a dramatic difference in terms of the cost of auto insurance over all. Try to stay far away from cars that come under the ranking class of "higher hazard." Of course, you have the added benefit of knowing that your teenager is driving around on the crazy streets of your town or city in a safe vehicle.

2. There really is no substitute for a driving record that is spotless. If you are talking with your teen then I would strongly advise them on the importance of observing traffic laws and keeping a really clean driving record. If they avoid speeding tickets and reckless driving then the cost of teenager car insurance will be dramatically lower.

3. Have your teenager attend driving school. this alone can save 10% to 20 % off the car insurance rate you have been quoted. Also, you can probably find a school or local institution offering these course free of charge.

If you would like to find out more on how to save money on car insurance for your teenager, then check out the link below.

Safe driving ahead with you and your teenager.

Save 50% on Auto Insurance! Get a FREE Auto Insurance Book

Car Insurance - Preparing Your Car For the Winter

By David Collins

Soon winter shall be upon us, bringing with it the promise of freezing cold weather, bitter winds and frequent rain (with possible snow).

As a result, many of us will most likely experience some kind of problem with our cars. Cold weather can play havoc with our vehicles if we're not careful, but by checking some vital aspects - both in and out of the vehicle - you can help prepare your vehicle for the worst Mother Nature can throw at you.

• Ensure that the essential fluids - such as fuel, oil and screen wash - are topped up regularly. Also check your battery, for colder engines are harder to start and a low battery won't help the process.


• If you have to drive in snow or heavy rain, ensure that you check your tyres before you travel. And be sure to drive with extra care, as road conditions will ultimately worsen in snow, slush and heavy rain.


• Be extra wary if driving an older vehicle as they will react to road conditions differently to newer cars. Make sure you've taken out some classic car insurance and are covered before travelling.


• Make use of an old sheet to protect your windscreen from frosty condition. By covering your windows overnight you can avoid that frustrating ice scraping first thing on a cold morning. Make use of your windscreen wipers to hold the fabric in place and use a little de-icer if need be in the morning.


• Before you travel on a cold morning, take a little time to make sure your car is heated, although your heating system will kick in once you're on the road. And whatever you do, don't leave your car unattended with the engine running, as this situation is a common cause of car theft, and such instances will not be covered by your car insurance.


• Let somebody know of your intended route and estimated time of departure and arrival, so should anything happen you've got a port of call. Also be sure that your mobile phone is fully charged before you travel.


• Should the worst happen whilst you're out driving - such as breakdowns or accidents - you need to ensure you've the necessary equipment to help you get through the situation. Pack items such as spare blankets, extra warm clothing, flashlights, first aid kits, non-perishable food items, a road atlas and even a compass into a 'survival kit' in the boot of your car.


• As well as items for yourself, you also need to pack a tool kit for your car - including tow ropes, jumper cables and windscreen scrapers - these can usually be purchased from your local auto shop.

As well as ensuring you've some insurance, be sure to take out some breakdown cover, if you haven't already. By doing as much preparation as possible before the winter season begins, you can give your vehicle a better chance of surviving the winter months.

Ensure you've car insurance for the winter months is vital. Search a wide variety of insurance policies, including performance and classic car insurance and get yourself covered for winter.

Classic Car Insurance - The Guide to Insuring Your Classic Car

By Warren Phillips

Mainstream auto insurers are now able to provide this type of insurance for antique/classic cars. They call them 'collectors auto insurance' plans and are designed for the vehicle being insured. Coverage is calculated once a representative from the insurance company takes all the details of your car and your personal details so as to provide the best policy. Your level of cover will depend on how much you can afford but it is possible to lower this by arranging for your deductible (or excess) to be raised above the minimum set by the insurer.

It is important to know however that the company you are insuring your pride and joy with is 100% reliable. Companies like this are usually very well established with a good reputation - a little searching around on forums on the web will help back this up. The other advantage of this type of insurer is that they are also able to arrange the protection on any other 'regular' vehicle(s) you own. Don't be surprised if the cost of the car insurance policy is higher with these type of companies. Of course it is easier to go with the cheaper option but what I found is that I would much rather pay a little more and feel safer that the company I'm with is well known and in good hands.

Many independent specialist auto insurers may well be able to provide a better service and conditions but they are not normally able to insure any other car(s) you own. A number of independent insurance providers even specialize to the point where only a particular type of classic car is insured! It is worth doing a fair bit of research when choosing an independent classic car insurer to make sure they have a good reputation as you will no doubt have a great deal of money at stake.

No one wants to find out that after paying the insurance premiums for months or even years that the company will not or is unable to pay out on an insurance claim. It happened to me a few years ago and it is upsetting to say the least. When anything happens to a classic car the bill is normally ridiculous so getting this bit right is very important. It might at first seem like hard work finding an classic car insurance company you feel confident with but believe me it will be worth it. The benefit of having proper insurance far outweighs the initial hassle of locating a provider so just enjoy hunting around. Most classic cars are worth a great deal of money and is a big loss if the car is ever stolen or destroyed so having it properly covered may be the most valuable protection you ever purchase.

Warren Phillips 2008 http://theguide-money.com/Classic_car_insurance.html theguide-money.com is a FREE, simple resource giving helpful information and useful tips on personal finance, insurance, loans and debt all written from personal reviews and experiences.

American Auto Insurance

By Tom K. Kelly

The annual cost of American auto insurance will differ from one insurance company to the next, so you will need to shop around if you want to make sure you are getting the best deal. Information about American auto insurance companies is available online as well as through insurance agents and each State's insurance department. Consumer magazines and rating companies also provide insurance providers in the United States.

American auto insurance is designed to protect the person that is insured from financial harm as a result of an accident. When comparing various providers it is important to pick a company that is financially stable. This can be accomplished by checking with companies such as A.M. Best and Standard & Poor's.

To make sure that you are getting the best rate on your auto insurance you will want to request quotes from multiple companies. It's a good idea to check with different types of insurance companies. Some companies sell through their own branches, whereas others sell through independent agents who offer coverage from many insurance companies. Other companies sell directly to the consumer over the phone or via the internet.

When comparing American auto insurance companies, price is not the only determining factor to consider. Stability and service should also play into your decision. Begin your search by obtaining recommendations from friends, family and co-workers. Once you have a list, check with your State's department of insurance to see if they have received any consumer complaints for any of those companies.

If you are considering the purchase of a car, check into the insurance costs before you finalize your decision. Insurance premiums are based in part on the car's value, safety rating, potential repair expenses, and the chances of theft based on statistics for each make and model. Also check to see if the providers offer discounts for features that reduce the risk of theft or injury.

Here is a list of additional ways you may be able to reduce the cost of American auto insurance:

Request higher deductibles (what you pay before the insurance policy kicks in). Be sure you have money set aside if you end up needing it.

Consider dropping collision and/or comprehensive insurance coverage on older vehicles that are no longer worth much. Typically you will need to own the vehicle free and clear to do this.

If you buy two or more types of insurance (such as renter's or homeowners insurance) from the same company you may get a discount.

Maintain a good credit record. Many insurance providers use credit information in part to determine the premium of auto insurance policies.

Some companies offer discounts to people that drive lower than average miles or who car pool to work.

Some insurers offer discounts through group plans with employers, professional associations, business and alumni groups, or other organizations.

Policyholders who have not had any accidents or moving violations for a long time often receive discounts.

Young drivers who get good grades and take a drivers education course are often eligible for a discount.

Young drivers who are at college out of the area without a car, you may also qualify for a lower rate.

The American Auto Insurance blog has additional information that will help you figure out how to get the best auto insurance coverage for the lowest price. Find more valuable information at http://www.americanautoinsuranceblog.com

Selecting a Type of Van Insurance

By Stanley Headley

Van insurance is very important for the safety of your van. According to UK motoring laws, all vehicles should have an insurance policy. UK laws are strict, but after all they are good for saving you from heavy payments later on. Before buying any van insurance you should know the three main types of van insurance.

Comprehensive Van Insurance

This type of van insurance provides full insurance coverage to your vehicle. In other words, it covers damages, accidents, crashes, robbery, fire and destruction. Comprehensive van insurance also covers third party damages. A third party can be either an individual or a company. Moreover, this insurance also provides medical coverage to the owner and also the third party in the case of injuries. The only issue with this policy is that you have to pay too much as compared with other types of insurance policies. This is a high cost insurance policy only because it covers all the risks related to your vehicle.

Third Party Fire And Theft Van Insurance

This van insurance policy gives coverage from the risk of theft, harm, fire damage, disaster, lightning and blasts. However, this insurance does not cover your damages if an uninsured vehicle collides with your van. The benefit of this policy is that it covers most big risks and leaves only accident coverage. Furthermore, this van insurance is much cheaper when compared with comprehensive van insurance.

Third Party Van Insurance

This type of van insurance provides the least coverage to your van. Therefore, this is the cheapest and most affordable policy. This van insurance provides coverage for the damages inflicted upon a third party.

When you have a clear understanding about the types of van insurance, then you should focus on the selection of van insurance. Here are some guidelines which may help you in choosing the suitable van insurance for your vehicle.

The first point you should keep in mind while you are buying van insurance, is coverage. You should find out the right coverage for your van, for example comprehensive or third party. Second, you should also know the usage of your van; such as how long do you intend to keep your van. This information is to be given to the commercial van insurer. Third, there are a number of insurance companies which demand you to install some safety devices in your vehicle. You should know what those devices are, and how much they cost. Fourth, you should explore the benefits of a particular van insurance policy.

The basic aim of van insurance is to reduce the financial burden on you, which can arise in the case of damage/s. The cost of an insurance policy usually depends on the coverage that it provides to compensate risks. Therefore, always opt for an insurance coverage which is suitable according to your needs. Moreover, insurance companies provide additional features on different types of van insurance to attract more customers. Thus, before buying any van insurance policy go through the particular features an insurance company is offering you, and then look for the cheapest quotes.

Staveley Head is an insurance company with the experienced staff which identifies different types of financial cover such as van insurance and other discounts by utilising exclusive deals which will save your money.

How to Buy HGV Insurance

By Stanley Headley

HGV means Heavy Goods Vehicle. If you want to venture into the HGV business, be sure to learn everything about HGVs from the beginning to the end. When you purchase a HGV, you are required to purchase HGV insurance (that is, vehicle insurance). Vehicle insurance is a must for all vehicles on the road, and so HGV is required to have it as well.

There are many ways you can select your insurance. You can search for the best deal over the internet, or the dealer where you purchased your HGV will have a list of insurance providers ready for you when you purchase your HGV. The options are many, and you need to be careful when you are selecting your vehicle insurance. There are two ways to buy vehicle insurance.

First of all, you can purchase insurance over the internet. Just go to the internet and search for the vehicle insurance you need. Then, you will have to fill in an online form. Once you have filled in the form, hit submit and wait for the insurance agent to pay you a visit at your residence within the next few days. When the agent visits you, they will explain everything about the insurance from the beginning to the end to make sure that you fully understand the terms and conditions of the insurance.

Of course, in addition to the form you filled in, you will have to present some other legal papers for your insurance agent so they can verify all the details and check if it is genuine or fraudulent. Once you are clear about the terms and conditions, the agent will head back to the office to finalise the vehicle insurance contract, which can take about a week or two. Then, you will be called to sign the contract when it is finalised. When all this is done, you have successfully purchased vehicle insurance. Sometimes even this is not required, and you are approved online, with the papers being sent out in the mail for you.

If you are buying vehicle insurance over the counter at the insurance company, you will have to fill in the form as well. After you have filled in the form, the agent will explain everything to you on the spot and then when you are sure about buying the insurance, the agent will proceed to finalise the vehicle insurance contract after your legal documents have been checked through. Wait for about a week or two and you will have to sign the contract to seal the deal.

The same processes apply when you want to buy other insurance related to HGV such as Goods in Transit insurance. Of course this is a very important insurance for HGV as this is to protect the loss or damage of the items being transferred. There are others, such as public liabilities, which your insurance agent will be able to explain further if you are interested. The best way to save on insurance is to get all your HGV insurance at the same company, as you might get some discount.

One word of advice though, when you are buying insurance, be sure to include all correct information. One piece of wrong information can cause a long delay in obtaining your insurance and of course, interrupt your business as well.

Stanley Head is an insurance company comprising of experienced & trained staff to identify your requirements they also deals in hgv insurance and goods in transit insurance as well. Stanley Head Ltd researches the markets insurance products at implausible prices.

Commercial Van Insurance Covers

By Stanley Headley

Whether you own a van that you use for commercial purposes or personal purposes, it is imperative to get a Van insurance policy for it. For those who use their vans for their business, getting insurance is even more important because their business depends a lot on their vehicle and the insurance gives them a sense of safety and security. As an added benefit, many companies also provide insurance for the contents of the van in the event of their being damaged or misplaced.

The type of insurance that you get would depend upon the size, model and value of your van, among many other things. It also depends on the range of damages and losses that you want to be covered by your policy. The most common types of vans for which companies offer insurance are Transit Vans, Courier Vans and Escort Vans.

There are three types of Commercial Van Insurances, varying with respect to the coverage for different kinds of Damages and losses. These three types are: Fully Comprehensive Insurance, Third Party fire and theft Insurance and Third Party Commercial Van Insurance.

The Fully Comprehensive Insurance Cover is the one which costs more than the other two because it is a full policy, and covers all types of risks that your van may encounter. The most noticeable things it covers are: the liability for death or injury to the people who are in the van, damages to the property of the other party, damages to your van in case of accidents, theft, vandalism, fire or burglary. The comprehensive cover of most of the companies also provides a Replacement van, and liability for personal possessions and other tools in the van. Legal and Medical expenses are also covered up to a specific amount, which varies with different companies. This cover is most suitable for Transit Vans as it provides safety for the vehicle, passengers and also the contents.

In the Third Party theft and Fire Insurance there is coverage for damages and losses caused by vandalism, accidents, fire, theft and explosions. Other than that it also provides coverage for the damages caused to third parties by your vehicle. Though this insurance gives complete coverage for the losses to the third party, the coverage criteria for your vehicle and driver depends on the cause of the damage. In this insurance, you would not be compensated for any damages if your van runs into a vehicle whose driver is not insured.

The Third Party Insurance provides cover only for damages to the third party. This is the least costly and most basic of all the insurances. This cover is ideal for van owners who think that the value of their van is not high enough for it to be insured. So this insurance saves money and also fulfils your minimum legal requirement of having an insurance policy for your commercial van.

Other than these covers, the optional covers like Replacement Van, Foreign Use and Increased Personal damage and increased third party theft are also available. You can use these covers with your basic cover by paying their additional cost.

Cheap Car Insurance Quotes Anyone Can Find

By Sarah Martin

Using an insurance broker on the internet to find cheap car insurance quotes is a great idea, mainly because being able to contrast and compare one deal to another is so fast and easy. There are many car insurance broker type sites that you can find by typing the words "cheap car insurance quotes" into the search engine box of a popular engine like Google or Yahoo.

You will be presented with scores of results that show you where you can go to compare cheap car quotes from various providers. You can also use search query phrases such as "cheap car insurance quotes" or "get cheap car insurance quotes" to find what you want. This search method can work with other types of insurance as well, such as with homeowners insurance quotes.

You can find broker sites that give you cheap car insurance quotes that have been put together by software or you can find ones that will deal with you in person. Either way these sites tend to be very competent and quick when it comes to replying to you with a follow up email.

They realize that business is very competitive and in fact, if you do not receive an email right way then you is probably dealing with an insurance broker that is not very reputable. The best providers of cheap car insurance quotes don't follow up with any kind of spam or try to sell you something else.

The best providers of free cheap car insurance quotes will make sure that you have all the information that you need within an hour or two or at the very latest by the end of the day. The better ones will give you exact instructions on how to compare cheap car insurance quotes with each others.

Some of them will even help you find the best provider in your area which is why you are sometimes asked for your postal code or zip code. It is not to mail you flyers but rather to find you the right insurance agent or car dealer as fast as possible.

There are sites online that also will offer you five, six and as many as two dozen cheap car insurance quotes within minutes. This kind of service is completely automated and does not cost you anything at all. All they want is basic info from you.

Do not give any site or broker too much information about yourself. When comparing cheap care insurance quotes there is no need to give anyone anything like your social insurance number or credit card number. Being asked for that kind of thing is the sign of a real con artist. No car insuring entity needs that information unless you are actually enrolled in some kind of plan.

Keep in mind that when it comes to cheap car insurance quotes that you get what you pay for. The cheaper your monthly premium is the more your deductible is in the long run and that is not necessarily a good thing. If you do not pay now then you might just end up paying a lot later if you do have some sort of accident.

Sarah Martin is a freelance marketing writer based out of San Diego, CA. She specializes in finance, business, and homeowners insurance quotes. For cheap car insurance quotes, please visit http://cheap-insurance-rates.com/.

Savings to Be Had With Auto Insurance

By Rachel Oliver

Insurance Commissioner Robert R. Googins proposed reforms recently that he said could save many drivers 30 percent to 50 percent, or more, on a basic Indiana auto insurance quote. The wide-ranging reforms would keep - but modify - the state's no-fault insurance system and would mandate a rate rollback.

The proposals, which Googins announced to a task force on auto insurance that he heads, are expected to frame the legislative debate on the issue in 2008. However, insurers, trial lawyers and consumer advocates - all represented on the task force - found fault with parts of Googins' plan, and said they aren't sure the group will be able to reach a consensus to present to the General Assembly.

Googins' plan would raise the threshold of medical bills that an auto accident victim must have in order to sue for damages from the current $ 400 to $ 5,000. In addition, a policyholder could collect up to as much as $ 25,000 in no-fault benefits for medical bills and lost wages instead of the current $ 5,000, regardless of who caused the accident. The plan addresses a major problem with the no-fault law - that a $ 400 threshold is not the deterrent to lawsuits that it was designed to be. Does not deter many lawsuits, as it was designed to do. But Googins' plan rejects insurers' stand that a description in words, rather than numbers, should dictate when people can sue. Insurers want a "verbal threshold" that says people can sue only if very seriously injured.

Other major points in Googins' program would:

* Make optional the part of the policy that protects people from uninsured drivers or those who don't have enough insurance. Currently, the only major optional coverage's are collision insurance and comprehensive coverage, which pays when a customer's car is stolen or damaged in ways other than in a crash.

* Mandate a rate rollback, though the size hasn't been determined. yet. People who buy only the liability and no-fault coverage's required by state law - and no uninsured-motorist insurance - could save 50 percent or more, Googins said. Drivers who also buy uninsured-motorist insurance might get a 30 percent to 35 percent savings, he said.

* The effect of a rollback wouldn't be as dramatic on the overall premiums of people who also buy collision and comprehensive insurance.

* Ensure the rollback would be to rates in effect as of Jan. 1, 2009, so insurers could not boost rates now to counteract the rollback.

* Subject any rate changes to prior approval by the Department of Insurance for two years.

* Eliminate a practice that allows drivers with more than one car on a policy to collect more money from their uninsured-motorist insurance. Under "stacking," a person with $ 100,000 of uninsured-motorist coverage and two cars on a policy could collect as much as $ 200,000 after one of the cars is in an accident.

* Over time, increase the proposed $ 5,000 threshold for when people can sue according to an index reflecting inflation in medical care.

* Limit the medical bills that can count toward the $ 5,000 threshold to sue. No more than $ 500 for certain treatments and diagnostic tests that turn up no problems would be counted in Indiana auto insurance quote.

Learn how to maximize your insurance investment, wherever you may live, at: http://www.indianaautoinsurancequote101.com - Indiana Auto Insurance Quote.

New Drivers' Insurance - What Do You Need to Look For?

By Nicholas Vernon

If you are a new driver who is looking to purchase automobile insurance, there are some things to know and consider before making that commitment. As a new driver, there might be some requirements you know about, some you do not, and other you are not sure about. The information below will guide you through your first purchase of auto insurance as a first time driver.

Important Points to Look For in an Auto Insurance Company:

1. How stable the company is. You want to make sure you pick a company that is going to be around if you happen to need to make an insurance claim. Also, if they are still in business, can they handle your insurance claim financially?

2. Service available to you. How can you report a claim? Is there someone available 24 hours a day to take my call?

3. Is it best to go with the cheapest auto insurance when I am a new driver? It is not always best to go with the cheapest insurance if you are a new driver or an experienced one. You need to make sure you are getting the best deal for your money. Look for perks such as: No increase in premium if you make a claim and safe driving bonuses. A lot of companies reward their safe drivers, and it is a good program to take advantage of if available.

What Does an Auto Policy Consist of?

Being a new driver looking for auto insurance, you need to be aware of the basic coverage you will need. Below is the basic coverage you should expect.

Liability: This is the coverage for payment when you are personally at fault for an accident.

Uninsured Motorist: This is important to have and covers you by paying for accidents where the other person does not have coverage, or not enough.

Collision: Pays for your car when you are involved in an accident.

Personal Injury Protection: This coverage insures payment of medical expenses, including funeral expenses when involved in an accident.

Comprehensive: This is in case your car is vandalized, stolen, caught on fire, etc.

These are just the basic coverage's available. Consult your local insurance agent for more coverage options that are available. In some states, certain levels of coverage are required by law. Auto insurance allows for a person driving a car peace of mind. The above mentioned will help keep you covered in case of an accident.

There are some cases where you will need to drive another person's car. You may be wondering if there is coverage pertaining to that scenario. In fact, the person's car you are driving will typically cover the cost. Your insurance will only come into play once, and if, the other persons insurance has run out. In the reverse case, if someone is driving your car and get in an accident, your insurance will typically cover it, as long as the policy is current and the person driving the car had your permission.

As a new driver, it can be a little overwhelming when first looking to get insurance coverage; however, there are many agents out there that are able to assist you in making the best choice in coverage for your particular needs.

If you are worried about car insurance cost go to my website, put in your zip code, choose one of the companies that come up, and fill out one of their forms. It's free and cant hurt any, you might even save some money. Check it out here--> Click Here.

Antique Car Insurance - Who Give the Best Policies?

By Nicholas Vernon

Everyone knows when it comes to insurance, there are many choices and antique auto insurance is no exception. So which one do you go with? Below are some reviews on which antique auto insurance carriers provide the best service and coverage.

Leland West Insurance: This specialty insurance company has over 25 years of experience and regarded as one of the most reliable and trustworthy insurers. Some key highlights they offer are: Phone help, choose your repair shop, Lower premiums, and agreed coverage value. These are all important aspects when choosing an antique auto insurance coverage that fits your needs.

American Hobbyist Insurance: This company is another great antique auto insurance insurer. They are available in 44 states, not including: Alaska, Hawaii, Kentucky, Massachusetts, Oklahoma or Virginia. Highlights of their insurance company for antique autos includes: flexible mileage limits, Inflation guard, spare parts coverage and Per policy - one liability charge- not per car.

Grundy Worldwide: Unlike American Hobbyist Insurance, Grundy Worldwide covers just what they say, worldwide. They are a big leader in antique automobile insurance industry. What kind of antique auto insurance coverage can you expect from Grundy worldwide? Here are some factors that make this company truly stand out:

- Agreed Value

- Model year limitation not a factor

- Higher limits on liability

- For 30 days on newly acquired cars, you receive automatic coverage.

- Unlike most insurance companies, Grudy offers unlimited mileage.

- Other features include: Spare parts, towing and labor, trip interruption, inflation guard, etc.

Being that there are so many choices outside the 3 listed above, it is important you follow a few steps to ensure complete coverage. Always go with a reputable company. If you cannot find anything on them, good or bad, they have not had much experience, or may have something to hide. Another good idea is to get a professional appraisal before committing to an antique auto insurance policy through a company. The professional appraisal allows you to understand how much your car is worth and is proof of how much your car is worth. By the books, the antique car you own may be worth 26k, but maybe you put in 80k worth of work into the car. These are very important aspects to consider. It is OK to ask questions, so do so. Make sure you understand the policies ins and outs.

Do not assume something is covered, have the policy writer show you. An antique car is a prized possession and if something should happen to it, have peace of mind it will be covered. There are not many situations worse than putting a lot of money, time and effort into something and then have it gone in the blink of an eye. Also be aware of the requirements of the policy and make sure you can meet them. Do not get a policy that only allows 1k miles when you want to drive it more. You increase risk the more you drive the vehicle. If something was to happen and you were past the 1k mileage mark, your insurance would be voided. Remember these points, and you will be on your way to attaining a great antique auto policy.

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Teenage Drivers - Finding Cheap Auto Insurance For Your Teen Driver

By Laura Caldwell

As teenagers began to get their permits, and then their licenses they also need to get auto insurance. However, I'm sure you have stopped to consider the price you will have to pay. No doubt your premiums will increase when adding a teen driver to the policy. And if the teen is a male, then expect an even greater increase as male teenage drivers are among the most expensive to insure.

Here are some things to consider when getting car insurance for a teenage driver.

1. The Type of Vehicle They will be Driving: Some vehicles are more expensive to insure than others. The minivan that your teenager is embarrassed to drive will be a lot cheaper to insure than the sports car he is begging for. Cars that are more likely to be stolen or are more expensive to repair than others are also more expensive to insure. Also, make sure the car is equipped with safety features as many companies offer safe car discounts.

2. The Report Card: Did you know that getting good grades in school can lower the cost of insurance for a teenage driver? Many car insurance companies give good student discounts for teenagers who have good grades.

3. The Driving Record: Let your teen driver know how important it is to keep their driving record clear of violations. Car insurance companies take into account how many speeding tickets, traffic violations, etc. that you have had when determining your car insurance rates. This is one way to make sure that your rates don't dramatically increase.

When shopping for car insurance it is always important to take the time to do some research and shop around. If you are adding a new driver to your policy, it will be beneficial to you to compare quotes from multiple insurance companies to see which can offer you the best rate on your car insurance policy.

Finding Inexpensive Auto Insurance

By Laura Caldwell

Is your expensive auto insurance policy not fitting into your budget? Many people feel that they are paying too much for auto insurance and would like to have an inexpensive auto insurance policy. There are a few things that you can do that may lower your premiums and make your auto insurance policy more affordable.

One way that you can lower your auto insurance premiums is by increasing your deductible. A higher deductible usually means a lower premium. However, you will need to make sure that you can afford to pay the deductible in case you are involved in an accident.

Another thing to consider when trying to lower your policy is the kind of car you purchase. Now, you may not be looking for a new car. But when it is that time again to start shopping for a new vehicle consider how it can affect your auto insurance premiums. Some cars are more expensive to insure than others. Cars that are more likely to be stolen or cars that are more expensive to repair are more expensive to insure.

Also, you will want to look for discounts that insurance companies offer that may help you get a less expensive car insurance policy. Having good grades if you are a student, being a safe driver, taking a driving course, having a car with certain safety features are all common discounts that many top insurance companies offer. Check and see what discounts you may be eligible for.

Another thing to consider is your credit score. Did you know that many car insurance companies look at your credit score when determining your auto insurance rates? Having a very low credit score makes you a higher risk in the eyes of the insurance company, and therefore gets you a higher rate. While there is no short term fix for your credit score, there are some things that you can do to make it higher in the long run. Try to pay off your debt, don't open new unnecessary lines of credit, and don't close unused lines of credit. Manage your credit responsibly and you could wind up paying less for car insurance!

The best way to get lower rates when shopping for car insurance is to shop around and compare quotes from multiple insurance companies. Work with an independent insurance agent so that they can help you with a policy from any company.

Everything You Need to Know About Progressive Auto Insurance Company

By Laura Caldwell

Progressive auto insurance has been in the business for quite awhile, since 1937 to be precise. They are one of the largest auto insurance providers in the nation. Their main headquarters are in Mayfield, Ohio and they have more than 450 offices all over the country.

They provide auto insurance, boat insurance, commercial auto insurance, motorcycle insurance, and RV insurance. They also offer home and renters insurance and they now offer pet injury insurance as well. They offer their customers 24/7 claims service and you can buy insurance from Progressive directly by phone or over the Internet, or work with an independent insurance agent.

Progressive also has some impressive rankings for 2008. Fortune Magazine picked them as one of the top twenty employers for college students. The Customer Respect Group gave them the number one spot for positive online customer experience. A.M. Best has consistently given the company a rating of A+, which is one of the highest ratings a company can receive for financial strength.

One addition to their policy that many customers take advantage of is their Accident Forgiveness policy. The policy work s like this. If you have a car insurance policy with them for four years and you are not involved in an accident for three years in a row, they will not raise your rates at all in the event of an accident after this time period. Even if the accident is your fault, it will not cause your rates to go up. The Accident Forgiveness program comes with any car insurance policy for no extra charge.

Progressive also has immediate response vehicles for when their customers do get into accidents. You have probably seen the white SUV's that say "Progressive" in big blue letters on the side. These are the immediate response vehicles that are driven by claims professionals. They come to wherever you are to inspect your car and give an estimate for the damage so that the claims process can be sped up.

Progressive Auto Insurance is one of the top insurance providers in the company. When you are shopping for car insurance, remember to compare quotes and shop around to see what each company can offer you.

Classic Auto Insurance

By Laura Caldwell

Do you have an antique or classic car that you want to have an auto insurance policy for? Collectors of antique cars often want to insure their vehicles in case anything was to happen to it, but many people don't know where to look. Before you start shopping around for classic car insurance, there are a few things you need to know about it.

1. Know what your Car is Worth

When shopping for insurance for your car, you will need to know the current value of it. Your car may appreciate slightly in value each year, as it gets older, and you will want to be insured for the right amount. It may mean a higher premium, but you will still want to know that the entire value of your car is insured in case anything should happen to it.

2. Know What You Need in an Insurance Policy

You will want to know ahead of time what kind of coverage you need on your insurance policy. Do you want coverage for fire and theft? Maybe you just want liability coverage in case you are in an accident. It is a good idea to plan ahead and know what kind of coverage you want before you start looking around.

3. Know How much you Drive

Many specialty insurance policies such as the one you are looking for have monthly or yearly mileage restrictions. Make sure you know the mileage restrictions included on your policy and be aware of how much you are driving.

3. Do Some Research on the Top Companies

Know which companies specialize in providing insurance for antique cars. Here are some of the top insurance providers for classic cars:

Grundy

Hagerty

American Collectors

Classic Collectors

Leland-West

Make sure to shop around and see what each insurance company can offer you. There are many things to consider when shopping around for an auto insurance policy like the company's reputation for handling claims, the discounts that they offer, etc.

Make sure you do your research and compare multiple quotes from top classic car insurers to find the best auto insurance company for your car.

Auto Insurance Tips- 5 Car Insurance Tips to Save You Money

By Laura Caldwell

Here are some great tips that could save you money on auto insurance.

1. Raise Your Deductible

One way to save money on car insurance is to raise your deductible. A higher deductible will result in a lower premium. Just remember that you will need to pay the deductible in the event of the accident. So don't raise it so high, that you can't afford to pay it if you were ever to get in an accident.

2. Take a Driver's Safety Course

Did you know that taking a course in Driver's Safety could save you money on your policy? Many companies offer discounts to customers who complete an approved driving course. See if your insurance company could offer you a discount for this.

3. Choose your Car Wisely

You may not be in the market for a new car right now, but when you are thinking of a purchasing a new vehicle, choose wisely. Don't just look at the sticker price on the vehicle when shopping. Certain cars are more costly to insure than others, so you could end up paying a lot more in car insurance than you expected if you buy that nice sports car instead of the four door sedan. Cars that are more likely to be stolen or that have parts that cost more to replace will be more expensive to insure. Keep that in mind when you decide to purchase a new car.

4. Drive Less

You may be wondering how driving less will save you money on car insurance. Well, many companies offer discounts to people who meet certain low mileage requirements. Start carpooling to work or school. Not only could it save you money on car insurance, but it will also save you money on gas!

5. Compare Quotes from Multiple Companies

You may already have an auto insurance policy in place or you may be looking for one right now. Whatever your situation, it is always important to stay on top of car insurance rates that different companies are offering. If you already have a policy, compare quotes every six months or so to make sure you are getting the best rates out their for your situation. If you are looking for a policy, be sure to shop around before deciding on a company.

Getting the Best Cheap Auto Insurance

By Iyke Phelim

It is true that we all want or rather need cheap car insurance coverage. Do not go driving if your auto insurance is inactive... Make sure it is active. Failing to do this will bring problems. One important point to note is how to get a pay-less cover for your car. Here are some useful tips that if applied appropriately will help you reduce the rates you have been paying for your vehicle insurance.

Improve your driving, your history as a driver is very important since the insurance company won't lower your rates if your have a reckless record. They will study your records as a driver. Here, they are sure on the risk level associated with offering you coverage. The more tickets you have for driving recklessly, the more [rates you are sure to pay on your policy. Insurance companies use these records for a critical study the driver.

The vehicle you are purchasing the policy for is very important. If you own or use a sports car, you will pay higher premiums than other slower models. Fast automobiles get involved in accidents readily because of their high speed movements.Their risks are high and so are their rates from the insurance companies.

Learn how to make deductibles work for you. Higher deductibles simply means lower rates on your car coverage. This will help you plan how to effective manage your repayments considering your income.

How old is your car? With age most automobiles lose value and become cheaper; this should make you reduce the coverage options on the car when it was newer. Study and understand the company you are dealing with. This will make you know the discounts they give for the coverage your are buying. This is true because they consider certain factors like where you work or if you are a student.etc Note that students get reduced rates from many auto insurance companies. Also there is what is called a multi-product discount; if you have need for other insurance coverage policies or you have some active already with the same company then you should opt for this option.

Your personal credit history is important. Work on improving your records if they are not good. It has been noted that poor credit clients make more claims so insurance companies look at credit scores more seriously now.

Saving time is saving money... Do not waste time searching for coverage the traditional way. Use the internet to get quick coverage solutions. Where to Start?

Start Here: Best Auto Insurance from leading providers of Auto Insurance. Service Available In All States In The USA. NDIMELE IKECHUKWU PHELIM. QUALITY SERVICE PROVIDERS. LOANS. INSURANCE. FREE QUOTES. http://best-loans-info.com

Car Insurance Quote Basics

By Barry H Brenner

There's no question that reviewing a car insurance quote can be confusing, particularly if you're purchasing car insurance for the very first time. Following are the basic components of car insurance, to help you understand how to interpret the car insurance quotes you receive.

Liability Insurance - Liability insurance is the coverage that insures the other driver in the event that you are responsible for an accident. In most states, liability insurance is required. It covers property damages, including automobiles and other property. Liability insurance also covers medical expenses, lost wages and pain and suffering. Keep in mind that liability coverage insures the other party and will not pay expenses related to your medical bills or damage to your automobile.

Collision Coverage- Collision coverage is not required by law and provides protection for your property and medical expenses in an accident. If the accident is deemed to be your fault, you will need this coverage for automobile repairs or replacement. Though the law does not require collision insurance, your bank will require it if you have a car loan. Collision coverage insures that the bank will get paid for the remainder of the amount owed on the vehicle if it is totaled in an accident. If you are in an accident but you are not at fault the other party's liability insurance should pay your expenses.

Comprehensive Coverage - This is one of the most misunderstood parts of a car insurance quote. It does not cover damage from an accident; so many drivers don't feel that they need it. However, comprehensive coverage insures your vehicle from damage sustained from a flood, wind or hail. This coverage also covers your vehicle if it is vandalized or stolen.

Medical Coverage - Medical coverage covers medical expenses in the event of an accident. It will typically cover expenses regardless of who is at fault.

Uninsured and Underinsured Motorist- Uninsured and under insured motorist protects you in the event that you are in an accident caused by a driver who does not carry liability insurance. Even if your state requires that all drivers carry liability insurance, this insurance can provide much needed financial coverage in the event the responsible person in an accident cannot cover your property and medical expenses because their insurance has lapsed.

Optional Add ons - Your car insurance quote will also likely include a few optional items that you may want to consider if they're in your budget. These include:

• Rental Car Reimbursement - this coverage provides funds toward renting a car while yours is out of commission due to an accident.

• Roadside Assistance - this coverage provides you with a 24 hour a day number you can call for assistance in the event of a flat tire or other breakdown.

• Extended Warranty - Some insurers will offer extended warranty on your car insurance quote. This helps cover the cost of automobile parts needed for repairs. The repairs need not be related to an accident. This coverage is very similar to the type of extended warranty many people purchase from the car manufacturer at the time of purchase.

Choosing the right elements from your car insurance quote can take some time. But, with a little research and comparison, you should be able to put together a car insurance policy that works for your needs and your budget. You can find more information on choosing the right car insurance for you, log on to http://www.cheapcarinsurancequotetips.com Barry Brenner is a licensed car insurance agent specializing in low cost insurance.

Car Insurance Explained - What is a Deductible?

By Amy Nutt

The terminology surrounding car insurance can be a bit confusing if you don`t know what they mean. One of the most important terms that you will come across is "deductible". Even if you don`t understand much else, this is one word that is absolutely vital to choosing your car insurance.

Quite simply put, deductible is the amount you have to pay in case of an accident. However, it`s more complicated than this and your car insurance strategy will depend greatly on how much you actually can afford to pay.

How It Works

The deductible is the amount you pay in case of an accident, before the insurance company. For example, if you have a deductible of $500 and the damage in an accident is $1,500, you would pay the first $500 and the insurance company would pay the remaining $1,000. Likewise, if your deductible was $1,000 and the damage was only $800, you would pay the whole thing.

Deductible Affects Your Rates

Car insurance requires that you pay a specific amount per month or year. This is your monthly rate and it usually won`t change within the year, unless you are in an accident. The amount you pay on a monthly basis will depend on how much deductible you wish to pay, or how much of the upfront costs you are willing to take care of in the event of an accident.

The most common amounts for deductibles in car insurance are $100, $250, $500, and $1,000, though different companies may offer other options. The higher the deductible, or the amount you pay in case of an accident, the lower your monthly rates will be. So, if you opt for the lowest deductible, $100, meaning the insurance company is liable for nearly all costs, you`ll end up paying higher monthly rates.

Which option you choose (high deductible/low rates or low deductible/high rates) will depend on what you can afford and also how often you expect to need your insurance. If you tend to have an accident of some sort every few months, you will likely want to pay the minimum amount and let the insurance company take on the majority of costs. For safer drivers who have an excellent driving record, it`s easiest to go with the higher deductible and pay lower rates instead.

Limitations

Every insurance company has a limit to the amount they will pay. The rates you have each month will also affect this, so you can decide how high you want to go for the best limit, without needing to pay too much per month. The majority of drivers never need the highest limits.

How does the limit affect your deductible? Well, you are responsible for paying the amount of your deductible, of course, but once the insurance company has paid up to the limit, you will have to pay any costs over that.

To give you a quick example, let`s say your deductible is $500, the limit is $10,000 and damages end up costing $12,000. You would pay the first $500. The insurance company would then pay their $10,000 and you would be responsible for the remaining $1,500.

Your car insurance doesn`t have to be confusing. Take the time to go over the numbers and figure out what you would be able to afford out of pocket in case of an accident and how much you can afford to pay on a monthly basis. A little research can go a long way. It`s also helpful to speak with the car insurance agent who can give you a good idea of what the norm would be for your car`s age and your driving experience.

Complete home and auto insurance quote in Toronto with no obligation. Toronto car insurance products include standard coverages with options and deductibles that can be adapted to suit your needs.

Car Accident - What to Do After

By Amy Nutt

No one really likes to think about having an accident with their vehicle, but if you drive, you`re at risk for ending up in a crash, no matter how minor. Luckily, the majority of car accidents are fairly simple and end up only causing minimal damage to the vehicles, but it`s a good idea to know exactly what you should do in the case of a car accident.

1. Check if anyone is injured. Not all injuries will show up right away, but you definitely want to make sure that everyone involved in the car accident is alright. The first concern, if anyone is injured, is to get medical help. You`ll need to stop any bleeding and call 911 to make sure that help is on the way.

2. Divert traffic, if needed. Often, a car accident that immobilizes a vehicle will end up blocking traffic, so it`s a good idea to ensure that there is a way to divert traffic, either with a flare or traffic cones from an emergency kit, or having someone actually wave passing cars around the broken down vehicle. Hazard lights are also a must if they are still functioning.

3. Report the accident. Your car insurance will be useless if you can`t prove that the accident actually happened. So, an accident report should always be filed with the police even in minor fender benders that don`t seem that serious. You`ll need to make repairs and you definitely want the car insurance company to cover it, so make sure that everything is on paper and signed by the police. Stay on the scene until the accident report has been completely filled out.

4. Don't admit anything. Immediately after an accident, it`s a good idea to keep your mouth shut as to who was at fault. It`s pretty easy to get angry, particularly if you weren`t the one at fault, but that can lead to a much nastier situation. To prevent problems, it`s best to wait until the police arrive. Also, admitting that you were at fault can cause problems down the road, so keep your mouth shut until you can speak with the police or your insurance company.

5. Write everything down. It`s a good idea to keep a pad of paper and a couple of pens in your glove box. This way you can write down all pertinent information that could be useful later on. This includes names of all parties involved, addresses, phone numbers and email, as well as the license plate number, car insurance information and VIN, since these can all be handy later on if the incident goes to court.

6. File an insurance claim. This should be done as quickly as possible after the accident. For minor accidents, you can even call from the scene and make sure that your claim is in as fast as possible. Not only does this mean you can shorten the amount of time that it takes for your claim to go through, you have the added benefit of police officers there to help you explain the situation and give them information.

Car insurance is vital to have when comes to accidents. While no one wants to be in a car accident, that doesn't mean you should ignore the worst case scenario. You could be in the position where you need some repairs on the vehicle, thanks to the accident, and rather than having the huge expenses come out of your pocket, your insurance company will take care of it, something that can be no end of relief when everything else is going downhill.

Obtain an accurate auto insurance quote and compare it with those of the competition in just one click.

Why Fronting Could Bite Car Insurance Claims

By Alex Gregory

With finances tighter than they have been for 15 years thanks to the economic downturn, consumers are rightly looking to save money wherever they can on everything from consumer goods to insurance.

Unfortunately however, around a quarter of people are using the method of fronting to reduce their car insurance premiums.

Fronting is when a person listed as the main driver on a car insurance policy is actually a secondary driver. It's a particularly popular tactic among drivers under the age of 25 who list their parents as the main driver on a policy because young driver's car insurance tends to be so expensive. However, while fronting is not a criminal offence, it is frowned on by insurers and if discovered would lead to an insurance policy being voided.

Unfortunately, more than one in ten 18- to 24-year-olds admitted that despite the dangers they would not be deterred from fronting - even though being deemed uninsured would be breaking the law.

However, there are better ways for young people to save money on car insurance. For example, a number of insurers offer discounts for drivers that undertake the Pass Plus course immediately after completing their driving test. This could lead to savings in the region of 35 per cent.

Driving a small car with a moderate engine and limited modifications, or no modifications at all, is a fast route to lower insurance premiums. Security is also vital - so fit a car alarm and an immobiliser to save. There are also many insurers that offer rapid bonus schemes to young drivers, allowing them to earn a full year's no-claims discount in around nine months.

Youngsters wanting cheap car insurance should take full advantage of the internet - statistics show that using a comparison website to compare car insurance can help drivers find the cheapest quotes available.