Make Inexpensive Car Insurance a Reality

By Kevin Wynn

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

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

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

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

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

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

Car Accident Insurance

By David Millers

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

Collision Coverage Provision

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

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

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

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

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

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

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

Auto Insurance - Ensure Satisfaction

By Chimerenka Odimba

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

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

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

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

1. change your Insurer. Or

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

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

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

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

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

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

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

Car Insurance Premiums Suffer From Whiplash

By Alex Gregory

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

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

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

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

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

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

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

How to Get Cheap Car Insurance

By Brad Huntington

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

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

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

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



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




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




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




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

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

Don't Pay the Price For Bad Habits

By Alex Gregory

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

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

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

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

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

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

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

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

By Tom Wiecek

The worst just happened.

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

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

Then you wonder about the others that are possibly involved.

"Was anyone riding with you?"

"Was anyone hurt?"

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

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

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

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

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

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

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

So, how can you make sure you are protected?

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

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

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

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

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

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

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

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

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

By Mike Fluke

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

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

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

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

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

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

By Laura Caldwell

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

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

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

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

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

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

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

The Boom in the Green Car Insurance Market

By Eric Token

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

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

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

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

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

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

Should you go for Green Car Insurance policies?

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

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

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

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

How to Get the Lowest Car Insurance Rates Possible

By Jon Arnold

Car insurance companies are for profit institutions, so they are always going to give you the highest car insurance rate that you are willing to pay. However, this is a very competitive market which is good news for the consumer, since insurance companies also need to attract and maintain customers, so they will also give you the lowest car insurance rate wherever possible to ensure a strong, active client base. While that may sound like a contradiction, that is just the way capitalism works. If you take the time to understand how insurance companies work, you can realize significant savings.

First, it is important to car insurance companies to minimize the risk factors, so you need to familiarize yourself with what they consider as risk factors.

The number one risk indicator is a poor driving record. Unfortunately, if you drive a lot, you put your exposure to getting speeding tickets and other moving traffic violations out there. When you get a ticket, it is best to try to do whatever is necessary to keep the points off your record, as it is these points that insurance companies use to consider a car insurance rate that would make it worth their insuring you.

The best way to do keep those points off your record is, of course, to obey all traffic laws at all times. But accidents happen, speed limits change, the performance level of your vehicle may make it easier to get up to and beyond your intended speed. And, let's face it, in most cities, police officers have to write tickets to generate revenue for the city and to keep their jobs. An affordable way to combat the inevitability of getting moving traffic violations is to get a legal insurance plan which will send an attorney to court anywhere in the country for you and fight to keep the points off your record and, consequently, your car insurance rates from sky rocketing. This is not as expensive as you may think.

There are also certain vehicles that are inherently high risk in the eyes of the insurance companies and others that are inherently lower risk. When choosing a vehicle, take these factors into consideration before making your final suggestion. Your insurance agent will be helpful in helping you determine which vehicles are associated with lower car insurance rates. A car considered to be a sports car like a Mitsubishi Eclipse will typically have a much higher car insurance rate than a Chevy Impala.

You can also lower your insurance by combining other insurances with the same carrier or by taking advantage of multi-car discounts for everyone in your family. For instance, you might save an additional percentage off your policy if you insure your life, your home, and your car with the same carrier.

There are also discounts offered for students who passed a driver's training course, people who have maintained loyalty to a company without any claims, people who have minimal travel time, and for married couples with children.

No matter what your rate, there may be a better one out there for you from a competing insurer, so it is wise to compare car insurance rates with different companies at least once per year. There are several online companies that can assist you with this. You might find that you can save way more than 15% by switching to someone else!

For more insights and additional information about getting the best Car Insurance Rate as well as getting a free no-obligation online car insurance quote, please visit our web site at http://www.tips-for-car-insurance.com

Choosing Your Pennsylvania Car Insurance

By Barry H Brenner

The state of Pennsylvania has car insurance regulations that are different from most states. When you purchase your Pennsylvania car insurance, you'll have two options, as follows:

• No fault - or limited tort system insurance - Under this system, you assume that each party will pay their own expenses in the event of an accident - regardless of which driver is at fault. If you choose this type of Pennsylvania car insurance, you'll minimize your right to sue the party at fault in the event of an accident.



• Tort System - Under the tort system, one party is deemed to be at fault, and the at fault party can be sued by the victim. Under the tort system, if you are the victim, you can sue the party at fault for your direct expenses, such as medical bills, etc. In addition, you can sue for indirect expenses, like pain and suffering.

When making your decision about whether to choose no fault insurance or tort insurance, keep the following things in mind:

• Under the no fault system, your premiums will be lower.



• Under the no fault system, may still be able to sue for direct expenses, such as medical bills in the event of an accident where you've sustained serious injury, particularly if your medical expenses exceed the limits of your insurance.

In addition to making the choices listed above, there is Pennsylvania car insurance that every driver must carry, including liability and medical benefits coverage. Pennsylvania liability minimums are 15/30/5. You must also purchase medical benefits coverage of at least $5000. This coverage pays for your medical expenses, regardless of who is at fault in an accident.

If you're new to the state of Pennsylvania, it's wise to talk to your insurance agent before you purchase your insurance. Your agent can help you understand the ins and outs of both the tort system and the no fault system, and help you choose which option is best for you.

Once you've made the decision on your basic coverage, you may also elect to add optional coverage such as collision and comprehensive insurance. Collision coverage pays for repairs or replacement to your vehicle in the event that you are responsible for an accident. Comprehensive coverage insures your vehicle against damage not sustained in an accident, such as damage from fire, vandalism, theft, wind or hail. Do your homework and get your car insurance quotes Pennsylvania on an annual basis.

Choosing car insurance in a new state can be confusing, and Pennsylvania's car insurance rules are even more confusing than most. But, if you take the time to understand the coverage requirements and all the available options, you're sure to end up with a policy that's just right for you.

For tips on saving money on your Pennsylvania car insurance, visit http://www.cheapcarinsurancequotetips.com/ Barry Brenner is a licensed car insurance agent specializing in low cost insurance.

How Drinking Affects Your Car Insurance

By Alex Gregory

We all know about the dangers of driving under the influence of alcohol, but did you know it could seriously hurt your car insurance premiums too? According to research by a comparison website, motorists found driving, or even attempting to drive, while under the influence of alcohol could face a hike in their car insurance premiums of as much as 82 per cent - or even find that they are deemed uninsurable.

The driving penalty, DR10, is heavily punished by certain insurers. Both Kwik-Fit and Budget continue to provide cover for drivers with a previous driving conviction, but will increase premiums by 82 per cent on average, typically seeing annual costs rise from £290 to £528.

Indeed several insurers, including providers such as Halifax and Sheila's Wheels, will not even return quotes for drivers with a previous drink-driving conviction. The likes of More Than and LV= meanwhile, will not insure a driver if they have had a driving ban in the last five years. So not only could drinking and driving cause your car insurance premiums to rise, but one offense could even make it illegal for you to drive altogether if you are unable to find an insurer to cover you.

Despite this however, many motorists persist with their drinking - a recent ROSPA survey reported that 44 per cent of drivers admitted to driving after drinking alcohol.

The clear message to drivers is to not drink. However, if you feel you can't resist the urge, particularly over the festive season, then consider paying for a hotel to stay somewhere overnight or sharing a lift with someone who doesn't drink and can act as a designated driver.

If you have been convicted of drink-driving in the past then finding cheap car insurance will not be easy. The key is to gather quotes from as many providers as possible to ensure you're getting the best deal available to you - this can be done quickly with a car insurance comparison website.

Consider Insurance When You Buy a New Car

By Alex Gregory

Motorists in the UK are putting their finances first according to research by a comparison website. More than three quarters (77 per cent) say the financial climate will influence their purchase of a new car.

Of course it's not just the retail price of a car that motorists should be considering. They should also be paying close attention to the long term costs to help them budget going forward - including vehicle excise duty, fuel consumption and car insurance.

In the case of car insurance, choosing the right type of vehicle is vital to keep premiums down. Generally speaking car buyers should target small, conventional cars with economical engines to satisfy the insurance companies.

This is because larger, high-performance cars tend to be driven at high speeds. They are also involved in a higher proportion of accidents and when those accidents do occur they tend to be more costly for the insurer because the damage to the vehicle is greater and personal injury claims are often necessary.

Look for a vehicle with limited modifications too. Added extras such as alloy wheels and tinted windows can attract attention from thieves, while any modifications to the engine and performance of the car give the insurer the idea that you're planning to drive it at enhanced speeds.

In addition, car buyers should look at the security features of the vehicle they are buying. Does it already include a car alarm, and is it an insurer approved system? Does it have an immobiliser? Is it small enough to fit into your garage to be parked overnight?

Unfortunately, going green will not always equate to car insurance savings. Even though green car drivers tend to be more economical and drive safely, many hybrid and electric cars have unusual parts and are more difficult to repair making them higher to insure.

If you want cheap car insurance for a new vehicle it's important to shop around. Gather car insurance quotes from a comparison website on various vehicles that interest you so you have a clear indication of the price you'll ultimately pay.

How to Find Cheap Car Insurance Quotes Fast in 3 Steps

By Leslie Andersen

How to find cheap car insurance quotes is definitely sometimes easier said than done. Because, car insurance is big business and where there is money to be made by insurance agents, there is going to be high competition in competing for your business.

In this high stakes competition in vying for new car insurance customers, a lot of incomplete, sometimes confusing, and sometimes contradictory information is thrown in your face as you try to do your research in finding the cheapest car insurance quote for yourself. The last thing you need is to waste time searching, researching and comparing quotes over and over again. There has got to be a faster and more simple way to get to the point and achieve your objective in finding the cheapest car insurance possible for you without wasting any more time.

How To Find Cheap Car Insurance Quotes: Step #1 -Quote Comparison Site

The first step you can take on your quest to find the cheapest car insurance quotes available to you is to compare quotes with various auto insurance providers. Instead of going from one auto insurance provider to another one after the other individually it would be much faster for you if you could find one trusted source that would compare insurance rates between all major providers simultaneously.

Granted the source is a trusted one, than you would know that the quotes given to you would be accurate without any other incentive than providing you the facts in your decision making process. If you can find a trusted comparison source such as a Web site than you could provide the needed information such as your age, model of car, things like that and than hit a button and get your quotes in an instant.

How To Find Cheap Car Insurance Quotes: Step #2 -Free of Charge

The second step is to make sure that once you find a trusted source, such as a comparison Web site, would be to make sure there is no cost involved to get your quotes. Usually trusted comparison sites do not charge but those that don't charge a fee to compare, usually have some other type of incentive and will many times spam your email address into submission.

How To Find Cheap Car Insurance Quotes: Step #3 -Free of Spam

Lastly, once you found a trusted source that is also free of charge, you need to make sure you are not going to get spam in exchange for providing your email address. The best way to make sure you are not going to get spammed is to make sure the auto comparison quote Web site doesn't require your email address.

The number of auto comparison sites that do not require a Web site are far and few between however but luckily I have been in your position before and found just such a site myself that meets all of the 3 steps on how to find cheap car insurance quotes fast. Go to: Cheap Car Insurance

Car Insurance - Preparing For an MOT

By David Collins

Before drivers are allowed to tax their cars for the year (or 6 months if they prefer) the vehicle must have both a valid insurance policy and an MOT pass attached to it.

An MOT is an annual test, which determines the roadworthiness and safety of a motor vehicle. Without a valid MOT certificate it is not possible to secure a valid tax disk, therefore making it illegal to drive the car.

This can, of course, lead to problems with trying to secure a car insurance policy, as a bad record could lead to higher premiums, so keeping your vehicle in shape is an essential part of car ownership.

However, before your MOT is due, there are a number of small areas on your vehicle that you can double-check, and subsequently repair in order to increase the chance of a successful pass:

• Check that all your lights are in good working order - this should include indicators as well as headlights and side lights. Be sure to flick through all the light levels, including side, dipped and main beam to check they all work.


• Also be sure to check that your brake and reverse lights are working - you can ask a friend or family member to help with this by standing just behind the vehicle and confirming that the lights come on when the brake is pressed.


• Check that the horn is in good working order; try to do so during daylight hours to avoid disturbing neighbours.


• Ensure that your tyres are within the legal limit. Check that the tread is not too shallow and that they have plenty of air in them.


• Check that your levels of oil and windscreen washer fluid are topped up, and also if the windscreen wipers have any damage to them, split or torn ones should be replaced in order to reduce the risk of scratching.

Ensuring that your car is in good working condition can also work in your favour when searching for car insurance quotes. By driving safely and ensuring that you don't endanger your no claims bonus, you stand a better chance of getting a cheaper insurance quote.

Looking to tax your vehicle and are also looking for cheaper car insurance? Search online for car insurance quotes in order to help yourself find an affordable insurance policy in preparation for taxing your vehicle.

Do You Have to Buy Car Insurance?

By Samantha Asher

In an ideal world, nobody would get into car accidents because everyone would follow the traffic laws and nobody would make mistakes. Unfortunately, we don't live in an ideal world. We do get into accidents and we do have to pay for the damages they cause. In order to pay for the damages of these accidents, we buy car insurance.

When you start driving, you usually search through car insurance policies to find the right company. You look for the cheapest one with the best coverage. If you are lucky, the cheapest policy you find has plenty of coverage for you. Usually this is not the case because often cheap insurance companies forgo quality to lure you in with a cheap price. Either way, when you get a car, you get insurance.

Do you have to buy car insurance? If you live in the United States, you do have to buy car insurance. You can't have a car on the road that is not insured. This not only causes problems for you in an accident, but with the other person if there was someone else involved. When you get into a car accident with another vehicle involved, both insurance companies, or the same one if you both have the same insurance company, have to communicate and arrange payments. Without insurance, you will have to pay a lot of money and you will get into a lot of trouble.

Insurance will save you money over time. Let's say you are paying $100 a month to insure one car. Over the course of two years you pay $2,400. Then, let's say you get into a car accident, and your car and the other car are totaled. If it was your fault, you would have to pay for the damages, or considering they are totaled, you will have to pay the value of the car. If the value of both cars is $10,000, you would be covered under insurance and wouldn't have to pay it, unless you had to pay a deductible. Let's say you do have to pay a $500 deductible. Over two years, you pay $2,400 plus the $500 deductible. If you didn't have insurance, you wouldn't have paid the $2,400, but you would have had to pay the $10,000 and you would pay $7,100 more. That is a huge savings if you had insurance.

You might argue that you are a great driver and will never get into an accident. Well, the fact is, even if you are a great driver, other people still do stupid things and there's still a chance you could get into an accident. Even if you never get into an accident, the insurance you pay will give you peace of mind and, let's face it, it's the law!

If you want to find out where you can get affordable car insurance, go to GetAffordableCarInsurance.info for more information.

Affordable Car Insurance Is Within Your Reach

By Jon Arnold

If you drive a car, you need affordable car insurance. It really is as simple as that, and it is more than likely available for you. Before you think you can get by without it, think of the repercussions in being judged as the person responsible for an accident with a Mercedes, a Lexus, and your 1998 Ford Windstar. If you simply have the cheapest coverage your insurer offers, you might find that it's not nearly enough to cover the cost of such an accident. The best way to prevent potential financial devastation is to be constantly aware of car insurance rates, potential discounts, and proactive ways that you can keep your rates as low as possible.

Even if you have been with your current company since your Uncle Oliver sold you the policy 23 years ago, it is a great idea to do annual rate comparisons with other insurers. Look for savings programs that might be available for multiple car households, multiple policy discounts, safe driver incentives, maturity discounts, family dynamic discounts, and driver's education completion. Insurance companies are offering more and more incentives to win your business by offering more and more affordable auto insurance. Let the healthy competition that capitalism invites work to save money to impact your bottom line.

If you are a wise saver and investor, you may want to compare the savings that can be realized if you increase your deductible to a point where you are essentially self-insuring for small claims and using your auto insurance coverage to protect you for more major accidents and issues. The premium savings on a policy with a $2500.00 deductible compared to a $250.00 deductible can add up to such a significant savings that, over time, investing the difference in premium accounts, will create a $2500.00 savings account so that your deductible will never even be a consideration if you are ever in need of using it. At that time, you can realize an even more affordable car insurance rate by increasing your deductible up another notch or two.

The best way to achieve and maintain affordable car insurance rates is by being very aware of the impact of every driving decision you make. Almost every driver is occasionally guilty of unsafe driving practices that could easily result in a serious accident. A good rule of thumb is that if it is something that you wouldn't want your teen aged driver doing while driving your car, then do not do it yourself. Many activities drivers engage in on a regular basis impair their ability to drive even more than a few stiff drinks would. Have you recently been guilty of any of these things?

* Dialing a cell phone

* Talking on a cell phone without the aid of a hands free device

* Applying makeup

* Jotting down a phone number

* Inputting an address into your GPS

* Changing CDs

* Eating a value meal or drinking a hot cup of coffee

* Speeding

* Driving while extremely tired

These are just a few areas that could cause fender benders, traffic tickets, or serious accidents. Aside from the other potential devastations, they are each things that could lend to making affordable car insurance harder to come by.

Do not be satisfied with the status quo. It is your money and you have a responsibility to spend and invest it wisely. No matter who you are, there is a strong chance that you can find more affordable car insurance by taking the time to do a little research. Your wallet will thank you!

For more insights and additional information about finding Affordable Car Insurance as well as getting a free no-obligation car insurance quote online, please visit our web site at http://www.tips-for-car-insurance.com

One in Four Motorists Suffers a Car Break-In

By Alex Gregory

A hot car will always attract attention from opportunist car thieves, but whether you drive a Ferrari or a Ford leaving valuables on display leaves you at higher risk of a break-in and an invalid car insurance claim.

Research from car insurance provider LV= finds that 80 per cent of drivers have left valuables in their cars - carelessness that has lead to one quarter of all UK drivers saying they have been a victim of a car break-in.

According to the report, high value items including clothes, wallets and mobile phones have been left on display in cars parked on UK roads. Men in particular leave high value items inside cars with the average value of goods reaching £380. Young drivers are also lax, with motorists under 34 leaving an average of £334 worth of items inside a vehicle.

This casual attitude can prove costly as many car insurance providers will not offer payouts if the contents of a vehicle are stolen - it must be a specified policy option. Even those insurers that do cover contents in the car may not payout if you have left items on display - deeming this an act of negligence.

So what actions can motorists take to reduce the chances of a break-in?

The first step is to not take any valuables with you - think about what you really need in a car and how essential it is. The items that are necessary should be taken with you when you leave the car and if that isn't possible, perhaps because they are too bulky, then store them out of sight such as in a boot or under a seat.

Take measures to improve the security of your car too. Fitting a car alarm or immobiliser can help you secure cheap car insurance. Most car insurance providers will also reduce premiums if you park your car away from a residential road, and preferably in a garage overnight.

Road Accident Claims Company!

By Uday Yadav

Road traffic accident claims generally cover any accidents in which a motor vehicle was involved. If your accident involved a car that drove off afterward (i.e. a hit and run) then you will have to report the incident to the authorities. You can also approach accident claims specialists who will offer you suitable compensation.

Basically, an accident injury is a type of injury which results due to an accident. There are specific provisions for these types of accidents. Car accidents are also another kind of road accident. These kinds of accidents occur due to the collision or rash driving either due the fault of the driver or the other driver. If you have suffered an injury while driving a car, you can make a claim for it. You need not suffer for the negligence of someone. Road accident claims company can help those on the lookout for compensation. You can easily get adequate coverage for any injuries suffered.

We provide adequate coverage to any type of accident resulting in an accident. Get the required information on making a claim successfully by approaching a team of accident claims solicitors.

Road Accident Claim No Win No Fee

An increasing number of people are involved in road traffic accident every year. The number of people succumbing to death is also on the rise. If you have been involved in a road accident in the last three years due to the negligence of someone else, you can surely make a claim for it. Benefit form extensive experience of a team of injury claims solicitors.

You may be worried about the financial expenses involved in making a claim. However, with no win no fee claim; you need not pay anything to make an accident claim. You are assured that if you win your claim you will receive 100% of your compensation without deductions. In case, you happen to lose the clam, you will be protected from all costs.

What are medical injury claims?

It is likely that while undertaking medical treatment, you may have suffered from medical negligence. You may have suffered a medical injury due to treatment or care below medically acceptable standards. However, it does not mean deliberate neglect. You can make a claim for such kind of negligence. Since, you may not have a fair idea as to how to proceed to make a claim, it is advisable to seek professional help. To make a successful claim, you need to prove that the doctor's negligence directly resulted in injuries. If you can do that, you can easily get medical accident claim!

Uday Yadav, Expert Author

For more information: Road accident claim no win no fee Medical injury claims

Texas Auto Insurance Minimum Coverage Requirements

By Robert McKnight

The Texas auto insurance minimum coverage requirements were put in place to make sure that all drivers have some protection if they are involved in an accident. The minimum coverage requirements for auto insurance in TX are legal requirements for everyone who is on the road in that State. Educating yourself about these just makes sense, whether you live in Texas or elsewhere.

What Are The Texas Auto Insurance Minimum Coverage Requirements?

In Texas, drivers are required to have the following insurance coverage in place:

$20,000 in bodily injury coverage to pay for medical expenses incurred by a single individual injured in an accident where you are the at-fault driver

$40,000 in bodily injury coverage for multiple people injured in an accident where you are at fault. (The number of injured people doesn't matter.)

$15,000 in property damage coverage to pay for the cost of repairing the other driver's vehicle. This type of insurance will also pay for damage to road signs, mail boxes, fences, and sheds.

Texas Auto Insurance Minimum Coverage Requirements May Not Be Enough

These figures are simply the minimum amount of coverage that a driver must have in place. If you were involved in a serious accident, $20,000 in bodily injury liability insurance may not be enough to pay for the other person's medical bills. In this situation, your insurance company will pay out up to the policy limit (less the amount of your deductible) only. Any additional damages that you are responsible for will have to come out of your own pocket.

Additional Coverage May Be Necessary

Buying additional coverage over the minimum amounts required under Texas law makes good financial sense. It's a relatively inexpensive way to protect your hard-earned assets if you are responsible for an accident.

Consider for a moment what you own and how hard you worked to get those things. Next, think about how you would feel if you had to sell them off to pay for someone else's medical expenses. You know you are responsible for the damages, but wouldn't it be a lot better if you just take out a larger insurance policy? People may resent making those monthly premium payments but if an accident happens, they really do appreciate the fact that the coverage is in place.

As long as you are thinking about insurance anyway, why don't you ask your insurance company to give you a TX car insurance quote for coverage that will pay to repair your vehicle if it is damaged in an accident? Collision coverage pays for repairs to the vehicle, but only up to the Blue Book Value of the car.

If you are still making payments on your car, you may want to look at putting Gap insurance into place along with the Texas auto insurance minimum coverage requirements. This coverage will pay the difference between the Blue Book Value and the amount you owe on the vehicle if it is totaled in an accident. That way, you are not responsible for making payments on a vehicle you no longer own.

Shop around and compare quotes from multiple TX car insurance companies and find that one that will best fit your needs.

Automobile Insurance Rules - Will You Get Covered?

By Ian Pennington

Automobile insurance rules cover a wide range of situations and aspects of insurance and often differ from state to state, as insurance laws are different across the country. While there are aspects of insurance law and custom that are universal, there are a few important areas to be aware of.

Automobile insurance rules concerning international borders are important to understand. In general, if one drives across the border into Mexico or Canada, their American insurance company will exclude or deny coverage for any incident that happens in the foreign country. Both Canada and Mexico have their own versions of insurance for visiting foreign motorists, but the stipulations vary wildly and the coverage is usually very minimal.

Uninsured and underinsured motorist coverage is another area in which automobile insurance rules vary significantly from state to state. Uninsured motorist bodily injury coverage is an optional coverage one can elect to have on their policy which pays for their medical bills when they are hit by a driver who has no insurance coverage. This coverage will also cover additional passengers who are injured when hit by an uninsured motorist. However, the uninsured motorist bodily injury coverage does nothing to fix one's car when it is damaged by a driver who has no coverage to pay for their negligant act. Some states, such as Texas, allow insurance companies to offer uninsured motorist property damage coverage in addition to the uninsured motorist bodily injury. The property damage coverage will pay to fix one's car if damaged by a driver who has no insurance.

When it comes to accidents, automobile insurance rules are usually consistent from state to state with one exception. Some states are "no-fault" states, which means that with the exception of rear-ending accidents, the police will not assess fault on accidents and the insurance companies of the various drivers involved in the incident get together and agree on who bears what percentage of fault and pay accordingly. Accidents in which one driver strikes the other from the rear almost always result in the fault being placed on the driver who strikes the other from the rear. The only exception to this rule is when one driver is parked improperly in the middle of the right of way and is struck from the rear. In this case, the parked driver is usually deemed to be at fault.

Insurance rules concerning the subject of prior insurance is one area that is generally the same throughout the nation. If one is applying for insurance, he or she will pay a higher rate if he or she has no existing coverage. In other words, insurance companies charge people with gaps in their coverage higher rates than people who have no gaps, also known as "continuous coverage." Also, almost all insurance companies review a driver's record over the past three years for tickets and accidents and over the past five years for DUIs and DWIs.

Ian Pennington is an accomplished niche website developer and author. To learn more about automobile insurance rules, please visit Cars That Made History for current articles and discussions.

An Overview on Fleet Insurance

By Stanley Headley

For people who own businesses or for people who like keeping a number of vehicles, fleet insurance is an option that must be considered. If you have four vehicles or more (for business or personal use) you can opt for fleet insurance.

Fleet insurance covers all your vehicles under one single policy. There are several benefits in choosing insurance over other forms of insurances for automobiles. Though fleet insurance is largely used by organisations which have large number of vehicles, individuals owning many vehicles see this as a viable option too.

One of the biggest advantages of opting for fleet insurance is that you have one single policy that covers all your vehicles. You therefore do not have to worry about keeping track of individual vehicle policies (in terms of having them renewed, etc.), and in case of any eventuality it is the one policy you have to refer to. Within a business, if you have different vehicles used for different purposes (vans used for transporting goods and cars to ferry employees), you could still have them grouped under one single policy.

Also, claims made under a fleet insurance policy are known to be handled more efficiently and smoothly as compared to claims filed under other vehicle insurance types. Some organisations tend to opt for insurance bonds to take care of their insurance needs. This is very often more expensive, and can pose a problem if specific insurance types (like van insurance) are not handled by the insurance. Insurance, in cases like these, can do with minimal administration in avoiding stressful situations.

Different insurance companies do have different sets of outlines for the requirements of fleet insurance, but some factors do remain the same for when these companies consider providing insurance.

One of the foremost things an insurance company would want to know is the number of vehicles and the purpose for which they are being used. Quotes will vary depending on the type of vehicles. Generally, in fleet insurance, getting five vehicles of the same type insured would cost different than getting five different types of vehicles insured. The vehicles' estimated mileage and age would also be factors in deciding how much the insurance policy would cost.

Factors such as the experience and history of the driver will also be taken into consideration before the final quote for the insurance policy is made. In any scenario though, this would turn out to be considerably cheaper than opting for individual insurance policies.

If, for some reason, an individual cannot be covered by an individual policy, he/she could be eligible to opt for fleet insurance as far as the prerequisite conditions are met. This will not only help them get insurance coverage for the moment, but also help with getting individual coverage in the future, by helping make amends to their history.

In cases where businesses need policies for goods that need to be transported in vehicles, there are different types of insurance policies to take care of same.

Businesses and individuals are increasingly looking at fleet insurance as an option, and it is definitely not without reason.

Staveley Head provides fleet insurance for personal or business requirements to those who need insurance and coverage on several vehicles at a time.

Auto Insurance Companies - Willingness to Pay a Claim

By Kian Chew Chong

Car insurance covers accidents so it can be priced vigorously for people who are willing to take the larger risk as to the condition of their car after an accident. Car safety is an issue that is here to stay. The best thing that we can to is to make sure that we are covered enough by our auto insurance policy in case the unthinkable should ever happen. Perhaps it would be better to go with a popular auto insurance provider rather than one you have never heard of before.

What happens if you are involved in an accident? Collision coverage will pay for any physical damage that your car gets as the result of your own car colliding with another object such as a tree or even another car. This coverage is optional. You would think that if you decide to purchase collision insurance, if you are in an accident the insurance company will pay you in full for damages received to you and to your car. WRONG! Here is a scenario to think about.

Let's say you are in the driver's seat when this accident takes place. You are driving down the street when lo and behold this truck comes out of absolutely nowhere and hits your car on the passenger's side. First of all, you can thank your lucky stars that you were driving by yourself. The damage to your car is obvious. There are creases across the passenger door.

You are hurt as well, although it cannot be ascertained exactly how much - there's a cut above your eye and you have an aching neck.

When you go to your doctor to get checked out, he says that your spine was injured, you most likely have whiplash and your have tears in your soft tissue.

Your doctor says that you are going to have to have therapy, and you will have to miss work for a time in order to heal. In the end, you have mounted up costs to the tune of $15,000 in medical expenses and $10,000 in lost wages.

Now you have to send that bill that equals $25,000 to the insurance company of the guy who caused the accident. To your surprise, the insurance company contacted you and said that they would only pay you $15,000 - take it or leave it.

What in the world are you supposed to do?

It seems like ten out of twelve top car insurance companies shortchange the person they are paying the claim to in order to save themselves money. God forbid if you are just in a minor car crash and get hurts. The car insurance company will delay in handling your claim, they will deny that you were even hurt and they will defend their position in long drawn-out court battles. The car insurance companies use these three "D" tactics: delay, deny, and defend.

These tactics have resulted in the new strategy that has been adopted by several of the major car insurance companies over the last decade. Many former insurance company insiders and lawyers will attest to this.

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.

The Concept of Green Car Insurance

By Eric Token

If you own a green car, then you will need a green car insurance. As it is a law for all vehicles to have insurance, eco cars also need to have car insurance. We all know that the environment is getting worse daily, and the need to go green is rising. Therefore, when you purchase insurance, part of the insurance total goes to the organisations that battle against non-environmental vehicles and fight for a better environment. This is the main purpose of having green car insurance.

More and more people are buying green cars these days, although the these cars are extremely expensive. As such, more and more insurance companies are coming up with green car insurance to cater the needs of these customers. Green car insurance is cheaper than the normal vehicle insurance. This is because by offering it cheaper, they can encourage more people to go green and get a green car. Recent research shows that motorists are likely to purchase a eco friendly car, which means the market is getting wider and more people are recognizing the importance of preserving the nature and saving the environment.

Although when the green car insurance was first introduced, the price soared higher, as people starting to accept the concept of greener cars, they begin to show more interest and went on to buy a car. To date, there have been more than 40,000 green cars sold and this figure is going up yearly - so eco car insurance has a wide market. There might not be too many of these car insurance companies right now but soon, we will be able to see more and more insurance companies offering green car insurance.

There are many benefits when you get a such a car. Green cars have lower emissions, so you can save more on fuel. This will not only save your money the environment too, as there will be a smaller carbon footprint. This is what we want to do, to cut down the carbon footprint as much as possible. Besides, with less carbon dioxide and carbon monoxide, we can avoid the green house effect that is said to cause global warming.

Other ways of promoting green cars include reducing parking fees for cars. Some areas promote the existence of eco cars by giving out discounts for parking so that people will be encouraged to change to green cars. Education about the importance of eco-friendly cars also plays a very important role in getting more people to buy a car. Teach them so they understand about the environment and naturally, they will be able to make the right decision.

There are a few tips to helping save the environment. First, it would be better if you don't drive but walk or take the public transport if possible (this will also benefit you too!). Otherwise, choose a fuel efficient car such as green car if you need to drive around. And take advantage of the cost savings!

eGreen Insurance offers green car insurance to people interested in a car insurance that also helps keep our planet green and pollution free.

Bad Driver Insurance - Where to Get the Best Rates

By Brian Stevens

Finding bad driver insurance can be tough - and expensive. Insurance companies are wary of insuring drivers who are likely going to cost them money. So can you find a company that will offer you a cheap car insurance quote if you have a couple speeding tickets or accidents on your record? Yes - but it will take some work.

How Cheap is Cheap?

The fact is, if you have a poor driving record, you will always pay more for your auto insurance than someone with a good driving record. But you can take steps to keep your car insurance quote as low as possible:

* Make sure you get all the discounts you can. Since your base rate is going to be higher than average, you need all the discounts you can get to bring your premium down.

* Take steps to improve your credit record if it is in less than stellar shape. A poor credit record will drive up the cost of your insurance.

* Shop around for a cheap quote. Some insurance companies specialize in high-risk drivers and will treat your driving record more gently than others, offering you a quote at a better price.

To make shopping around easier, go to an insurance comparison website and let it do all the hard work of finding quotes for you. By going to a comparison site to find your insurance quotes, you have the added advantage of letting companies compete for your business.

Become a Better Driver

Even the best bad driver insurance quote you find is still going to cost more than if you are a good driver. So if you don't want to pay higher rates forever, take steps to improve your driving skills!

For example, you could enroll in a basic driving skills class or in a defensive driving class. Not only will your driving skills improve, but you will likely earn another discount from your insurance company.

It may take a few years of improved driving before your insurance rates start to drop, but be patient and continue to improve your driving skills - it will pay off in the end.

Where to Get the Best Insurance Rates Visit http://www.LowerRateQuotes.com or click on the following link to get bad driver insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on bad driver insurance.

Car Insurance When Renting a Vehicle

By Amy Nutt

When you rent a vehicle you will be surprised by the amount of taxes and fees that you will pay on top of the rental cost. As you are checking out, you will be asked whether or not you want an insurance policy on your rental vehicle. This question may throw you if you are not prepared for it, because the rental agency agents are quite good at making it sound like you need the coverage to save yourself thousands of dollars in the event of a crash. Do you need this coverage, or is it simply an additional cost to put more money in the rental agency's pocket?

What Is Covered?

Answering this question begins with understanding what is covered by the policy. This will vary from rental company to rental company, but there are usually some similarities to these insurance policies. There are four basic types of coverage: loss damage waiver, liability insurance, personal accident insurance, and personal effects coverage.

Loss damage waiver covers your liability for damage to the vehicle if it is in a collision. This is not actually an insurance product, because it does not pay for the damage. Instead, it takes the liability for the damage off of you, as the renter, even if you caused the crash. The rental company's insurance will cover the damage to the vehicle. Some exclusions apply to the waiver, such as accidents caused by off-roading, drunk driving, or speeding. This waiver will also usually protect you from being charged for the loss of use that the rental company suffers while making repairs to the vehicle.

Rental cars automatically come with some liability insurance, because the state law will require it. However, the protection is minimal. Because most drivers need more liability coverage than what comes with the vehicle, rental agencies offer liability insurance.

If you or your passengers are injured in a crash while driving the vehicle, your medical care could be covered under personal accident insurance. This is fairly affordable to add to your policy. However, you likely do not need it if you have health insurance.

Personal effects coverage, the final type of coverage, will pay for any theft of the things you are transporting in the rental car. Keep in mind that your homeowner's or renter's insurance policy probably already covers the theft of personal belongings, even while traveling.

Do You Need Insurance When Renting a Car?

Before you sign up for the car rental company's insurance policy, make sure you really need it. Some of the insurance products you already own may cover the same things that these insurance products will cover. Before you head out for your trip, call your insurance agent and find out what type of coverage you have when renting a vehicle. If you have collision and comprehensive coverage, you are probably already covered for a rental. However, if you only have liability coverage, you may want to consider purchasing the loss damage waiver when renting a car. When you call your insurance agent, find out if loss of use, towing, and administrative charges are covered if you were to wreck the rental.

Another place to look for existing coverage is with your credit card company. Many credit card companies that offer rewards programs automatically insure the rental cars rented with that card. This coverage is usually only for the rental vehicle itself, not for the people in it or the other vehicles on the road. However, this coverage combined with your existing liability policy and health insurance plan may be all that you need.

If after checking these two sources you do not feel that you have adequate coverage, then consider purchasing the insurance. While a crash is not that likely to occur while you are driving a rental car, it could, and not having enough insurance will end up costing you a pretty penny.

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

Online Car Insurance Shopping 101

By Roy Primm

Shopping for auto insurance is not the most fun compared to other activities. But the amount of money you can save can take away any sting of inconvenience.

When it comes to automobile insurance most people make the mistake of taking the first automobile insurance company that comes along.

Not taking the time and effort to comparison shop for automobile insurance rates at the top of the list for mistakes most consumers make when it comes to shopping for automobile insurance. Fortunately because of the internet comparison shopping comes much easier when it comes to automobile insurance.

Car Online Insurance Buying Tips

More people continue to take advantage of the convenience and speed of car online insurance shopping, now more than ever before. But with so many people flocking to the convenience of auto online insurance shopping many mistakes continue to surface.

Make sure you take the time to compare not only the price but the type of coverage as well as exclusions when you shop for car insurance policies.

The speed at which you can shop and compare insurance rates makes for smart shopping. But make sure you're comparing oranges with oranges.

Take plenty of notes when examining figures, coverages and exclusions.

Here's the Advantages of Online Insurance Shopping

1. Convenient - You can shop and compare rates at your convenience on your time. You can comparison shop in you bathrobe and slippers at 2:30 a.m or on your lunch break at work.

2. Speed of Comparison Shopping - You can shop many times faster than calling or writing various insurance companies. Because you can comparison shop faster your more prone to do it - and thus save money.

3. Can research deeper faster and more thoroughly online than most ways.

What Influences Your Insurance Rates

1. Where You Reside:

Unfortunately living in an high population center comes higher risk such as auto accidents, thefts, vandalism and other insurance risk.

2. The Type of Car You Drive:

The category of automobile you drive determines the rate you pay for automobile insurance. The sexy, flashy, high performance cars tend to cost the most. According to insurance statistics these cars tend to attract the most speeding tickets, higher claims and higher repair cost.

3. Driver/Owner Profile:

Insurance companies look at four important factors. (1) Driving Record (2)Marital Status (3)Male or Female (4)Age. Basically married women over the age of 25 represent the lowest (less claims filed) claims. On the other hand males under 25 represent the riskiest driver (highest costing claims) according to insurance statistics.

4. How Many Miles You Drive: The more miles you drive the more risk you have of being involved in an accident according to insurance statistics. If you use your automobile for business this also increases your rates.

Roy Primm has written many articles on saving money on your auto cost. To discover more tips on saving on your auto insurance cost go to Online Car Insurance Tips

What to Look For When Shopping For California Auto Insurance

By Laura Caldwell

The first thing that you should know when shopping for California car insurance is what types of coverage you will want and need for you policy.

State law regulates the amount of car insurance that you are required to have and it varies from state to state. You will need to know the minimum requirements that you must meet with you policy and then from there decide if you want to have more coverage than just the minimum required.

The California state minimum requirements are as follows:

• $15,000 bodily injury liability per person


• $30,000 bodily injury liability per accident


• $5,000 property damage liability

Bodily injury liability covers the expenses of people hurt in an accident where you are at fault. Property damage liability covers the damages to the other vehicle when you are at fault in an accident.

This may or may not be an adequate amount of coverage for you. If your car is being financed than the lender may require you to have comprehensive coverage and collision coverage. Collision covers damages to your car and comprehensive covers non accident related damages to your car such as fire, theft or vandalism.

Make sure that you at least have the minimum California state requirements when purchasing an auto insurance policy.

When shopping for an auto insurance policy you should also know the top insurance providers in your area. You will want to buy a policy from a well known, reputable company.

Some of the top California car insurance companies are:

Allstate

2525 Camino Del Rio S

San Diego, CA 92108

21st Century

6301 Owensmouth Ave.

Woodland Hills, CA 91367

Progressive

2 Twin Peaks Blvd

San Francisco, CA 94114

Nationwide

2185 N California Blvd # 215

Walnut Creek, CA 94596

When shopping for a CA car insurance policy it is important to shop around and compare quotes from the top insurance companies in your area to make sure that you are getting the best deal available to you.

Types of Auto Insurance Coverage - Which Types of Coverage Do You Need on Your Car Insurance Policy

By Laura Caldwell

When shopping for car insurance it is always a good idea to be informed and to know what you are looking for. One thing you will need to know are the various types of auto insurance coverage available to you.

Here are the main types of coverage.



Bodily Injury Liability Coverage

This coverage is for any injuries sustained to people involved in an accident where you are at fault. This is required by law in every state. Check to see what the minimum requirements are in your state.

Property Damage Liability Coverage

Property damage liability coverage will pay for damages to the other person's vehicle in an accident where you are at fault. This is also required by law in most states.

Personal Injury Protection

Personal injury protection or PIP will cover you, the driver, and your passengers' expenses for injuries sustained when you are in an accident.

Uninsured/Underinsured Motorists Coverage

This will protect you in the event that you are in an accident and the person who is at fault is not insured.



Comprehensive Coverage

This car insurance coverage will pay for damages to your car that are unrelated to an accident. For example, this will cover any damages due to fire, vandalism, or a tree falling on your parked car. If your car is being financed this type of coverage may be required by your lender.

Collision Coverage

Collision coverage will cover any damages to your car when you are in an accident. This type of coverage may also be required by your lender if your car is being financed.

Make sure you know what the car insurance requirements are for your state and which types of coverage you need when shopping for car insurance. Make sure to compare quotes from multiple companies before you decide to buy.

Car Insurance - Drivers Warned Not to Cut Corners

By Gill Critchley

Motorists are being warned not to cut down on their car insurance when it comes to purchasing or renewing their policy.

The credit crunch has meant that many people have been left to worry about their finances and in an attempt to save money has seen many people start to cut back on policies that they think they won't need.

This news has come as a result of a study which found that nearly half of the people in the UK are attempting to save money by reducing the amount of money they are spending on financial products. On top of this, around 2% of people are planning to cut out their car insurance policy.

On hearing this, the British Insurance Broker's Association has said that canceling car insurance policies is not the answer, as it is a legal requirement for a driver to have.

A spokesman for the association stated: "If you are going to review your insurances there are some that you should keep and some that you perhaps don't need." One that you really do need is your car insurance.

However, if you are finding that your insurance is costing you a lot of money the best thing to do may be to get online and start comparing different car insurance policies. By doing this you may find that you come across a better deal that suits your situation and most importantly, cheap car insurance.

It has also been found that people have been cutting back on their travel insurance in an attempt to save money for their holidays but by doing this they have been running the risk of forking out thousands if an accident were to occur whilst they were away.

Around 2% of people are planning to cut out their car insurance policy. If you are finding that your insurance is costing you a lot of money the best thing to do may be to get online and start comparing different car insurance policies. By doing this you may find that you come across a better deal that suits your situation and most importantly, cheap car insurance.

How to Get a Good Deal With a Bad Driving Record

By George Jackson

There is an unfortunate correlation that exists between driving and enjoyment: the more fun you had in high school and college, the worse your driving record will be. Now you're older, wiser (hopefully), but your driving record is still abysmal. For whatever reason, if you're saddled with a bad driving record, don't pay for it forever. Lower your premiums and save money on auto insurance by following these basics tips:

Do Some Leg Work

Try to improve your driving record through little things. Driving the speed limit, showing a little more caution, reading signsthese are small things you can do that drastically reduce your risk of a ticket or an accident. The longer you avoid the police, the easier it will be to negotiate a new auto insurance policy

Watch Your Credit Score

Believe it or not, your credit history has a lot to do with how much you pay for auto insurance. Even those who have perfect driving records can pay extraordinarily high car insurance premiums because of bad credit scores. Pay your bills on time, reduce your credit card debt, and you'll find you can get a better deal on insurance, even with your bad driving record.

Shop Around

This is always a good idea for auto insurance, but it's especially apt for drivers who have been labeled high risk. There are even insurance companies who specialize in high risk drivers, so there is enough competition out there for you to find a great deal.

Reduce your Liability Coverage

If it is found that you're actions were responsible for an auto accident, you can get sued by the injured party for damages. Liability Insurance covers the amount you are protected. If your liability coverage is $100,000, and you are sued for $80,000, your liability coverage protects you. If, however, you were sued for $120,000, you would have to pay $20,000 out of pocket. In most cases, lowering your liability coverage leaves you more open to being sued, but if you are committed to driving more safely, than you can save a great deal of money by getting a lower-coverage policy.

Trim Your Insurance Policy

If you're really committed to improving your driving record, you should try cutting down on the amount of insurance you have now. Getting s less expensive car, for example, can go a long way to cutting down what you're paying on insurance. Similarly, trimming away contingencies you don't need is a good way to reduce the overall cost of your auto insurance. For example, a comprehensive coverage protects you from "act of God" auto accidents, like fires, floods, or hail. This is a useful addition to a policy, but also an extremely expensive one.

Patience

Your past will not always be a liability. In most cases, 3 or 4 years is more than enough time to expunge your record, especially if you have remained ticket free, accident free, and out of debt. As long as you are patient and truthful, you'll be able to decrease your premium in no time. Being truthful is especially importantif they find out that you lied on your application, your car insurance company will cancel your policy immediately, and you'll have an even harder time finding a provider.

George Jackson comes from an insurance family and he loves cars. Combining those two means he gets to do what he enjoys when helping others with auto insurance on line. Learn how to secure your valuable vehicles and control expenses by going to: http://thecarinsuranceblog.org/