Friday, October 23, 2009

Finding Cheap Auto Insurance That Keeps You Covered

Finding Cheap Auto Insurance That Keeps You Covered

Every driver wants affordable insurance that also keep him or her covered if there is ever a situation that comes up which requires that you are taken care of financially, especially if you are not at fault. Selecting the right auto insurance can sometimes be tricky, so it's important that you follow the tips and tricks listed in this article to make the right decisions regarding which company and type of plan you end up choosing to keep you covered when you need it the most.

Comparing quotes and checking out multiple companies is important, because it gives you perspective and options, which is definitely a good thing. You want to know what is out there for you too choose from. When people settle on an insurance company, they usually end up regretting it. To avoid this, choose at least two or three auto insurance companies and compare quotes to see which offers the best deal.

Always keep in mind that quality is just as important as quantity, that is to say that price does matter, but it is also important that you are fully covered for all different types of situations that may occur. Having insurance is always about protecting you and your property for what might happen, so consider all of the different possibilities and situations you could end up in. The last thing you want is to get insurance that doesn't keep you covered when you need it badly.

The internet is a great resource for checking out auto insurance companies and doing a little bit of research into their backgrounds and reputations. When you find an insurance company you like, always go to at least some trouble to make sure that they are the ones that you want backing you up in a crisis. You want to be able to trust and have confidence in your insurance company when you need them.

Article Source: http://EzineArticles.com/?expert=Scott_Byers

Teenage Car Insurance


Teenage Car Insurance

Teenagers usually end up always costing more than you think however finding affordable car insurance is much different than trying to secure the seasons latest must-have accessory.

Insurance companies are known for factoring many elements towards the calculation of your auto insurance premiums and although life seems to be good without a mortgage, credit card bills and sometime even a job - teenagers often find car insurance premiums to be very high.

If you (or most likely your parents) are buying a new car then its very wise to understand the cost of a new driver car insurance policy before visiting a car dealership as sometimes this cost can be equal to or greater than the car loan payment itself.

The most important thing is to remember - you are not alone.

Every teenage driver and every parent shake at the thought of insurance premiums so you need to focus on shopping around and not be scared off by the first quote you get.

Most teenage drivers will find insurance premiums quite high regardless of where you live and this should be expected for the first couple years however if you shop around it is very possible to find policies which are far more affordable without sacrificing insurance coverage.

The key to finding affordable teenage car insurance is simple really - shop around.

Once a policy is chosen the rest of the responsibility to get lower monthly payments lies with you. Keys for success including maintaining a good driving record, possibly even considering a less expensive vehicle, opting for a less "stylish" car the first time around and more.

Article Source: http://EzineArticles.com/?expert=H._Berry

Sunday, September 20, 2009

Car insurance for woman

Cheap auto insurance for woman drivers is not any different than cheap auto insurance for men except that in some cases it might be a small cheaper or at least a small not as hard to get.

The factors used to compute cheap car insurance are plenty of & usually place prospective policyholders in rating groups that categorize level of risk. Obviously, in one rating group, gender, there is a difference.

Are women better automobile drivers than men, though? Only your car insurance company actuary knows for sure, but generally young men are considered a higher risk to insure. In that age rating group, car insurance best quotes might favor women.

Cheap Based On Your Needs

What counts, though, is whether auto insurance for woman drivers is cheap insurance based on their own needs. Best quotes for woman drivers can be obtained online at automated web-sites that return quotes from several competing insurance companies simultaneously.

Women who know the ins-and-outs of auto insurance for women need only select the lowest quote to get cheap insurance.

Get Help If You Need It

If you are not familiar with car insurance, however, you may require to contact an insurance agent who can guide you through the technique & better ensure that you purchase the coverage you need.

remember, there are one main types of automobile insurance Bodily Injury Liability, Personal Injury Protection, Property Destroy Liability, Collision, Comprehensive, Uninsured & Underinsured Motorist Coverage that cover your liability to others, pay your immediate medical & other expenses, cover destroy to property, pay for repairs to or replacement of your automobile, cover expenses due other causes of destroy, & insure you against those without insurance

They can also show car drivers ways to lower their rates by increasing deductibles or lowering Comprehensive or Collision coverages which become less practical as a vehicle ages.

Source: http://EzineArticles.com/?expert=Jon_Butt

Thursday, September 17, 2009

Auto Insurance quotes and Leasing

When leasing a car, it’s easier to stick with the same company for your
auto insurance. What you don’t know, however, is that you may end up
paying too much for your coverage and it’s better to look elsewhere for
lower rates.

When you lease, the vehicle that you will drive belongs to the leasing
company. They want to make sure that their investment is covered in the
event the vehicle gets damaged, totalled or stolen. They typically want
to get covered for the difference between what your auto-insurer pays and
your outstanding leasing obligations at the time of the accident or
damage. This is called GAP, short for Guaranteed Auto Protection, and is
usually included in the leasing contract.
If your leasing company is called BMW Financial Services, Chrysler
Financial or any other finance division of an automaker, then chances are
your GAP insurance will be offered by the same lease company.

You are under no obligation to accept GAP insurance included as part of
your lease agreement. Why pay an insurance premium if you could get the
same coverage for a lower price?
Invest some time shopping by comparing quotes from other insurance
companies, including your existing one. Ask for discounts that you already
qualify for and adjust your coverage accordingly.

Saturday, September 12, 2009

Choose the Right Auto Insurance Comparison

There's lots of factors that need to be considered before taking car insurance. The least factor include price. Price is the hot word when it comes to buying. Everyone gets beautiful to the term low price. Every consumer tends to become attracted towards low price. When comparing insurances, price factor is important and should never be missed out.

One has to carefully compare the rates offered by various companies before taking a decision. Quality is the key word and no two tolerates when it is been compromised. Hence before taking insurance, two has to carefully compare the quality of service offered by various companies. Reliability is another key word which a customer expects from an insurance company.

There is no point in insuring our belongings in an unreliable company. Two can refer ratings in order to understand a company. This rating shows the ability of a company to serve the expectations of the customers. There's lots of web-sites that provides best results on the rating on financial strength of a company.

Another important factor is the service provided by the automobile insurance company which makes the customer to invest their money with the company. In order to know the real fact, people can take the feedback of customers than believing commercials. Every customer wishes to get the best service for the amount they pay. Every customer deserves great service.

The customer service department is dedicated for this purpose and the customers can contact it at any time in order to clarify any queries. The quality of service is determined by the amount of time taken by a customer service department to help the client with the query.
It is calculated from the time a customer submits his query form. There's lots of companies that provide a 24 by 7 customer helpline. Two can do the comparison between various automobile insurance companies by entering your zip code of choice.

Thus are a wise filtering is completed and it is thus a great way to compare various insurance companies before choosing to pay the premium. Thus two can make use of these online web-sites to make the auto insurance comparison easier

Article Source: http://EzineArticles.com/?expert=Ted_Kripps

Thursday, September 3, 2009

One Day Car Insurance

If you need to drive a car for a day or two, opting for day insure cover can be a good idea. This kind of insurance is for short term duration. It will help those who are planning to borrow a car for a day or two. It provides adequate protection against all kinds of damages. In case of an emergency, if you need a car or are forced to use a friend's or relative's car, you can opt for the cover. One day insurance can help you get quick insurance for short term travelling.

Insurance, has become one of the inevitable expenses today. Almost everyone opts for an annual insurance cover with proper payment. Insurance, is simplified today. One day car insurance or temporary insurance is a relatively recent advancement known to very few people. This can come in handy if your car is being used by a friend or by one of your family member for a day.

Insurance is often mistaken to be a costly affair. Many people don't wish to spend a huge amount of money on insurance. Such people can benefit from insure for one day. Seeking expert guidance from car insurance providers can also help take the right decision. One day car insurance can help the driver using the car for a day or two get protected adequately against any kind of injuries. It can help get compensated against any kind of injuries. It is advisable to safeguard your interest always; be it any kind of journey.

The insurance can prove to be helpful in numerous ways:

• Immediate drive-away insurance if you've just bought a car

• Temporary additional drivers (including overseas visitors)

• Temporary additional cars

• Unaccompanied vehicle demonstrations or use of courtesy cars

• Lending a car to a friend, colleague or relative

It is advisable to insure car if you wish to use the car for a day or two. It is true that today, even the smallest of journeys need cover. Hence, it doesn't make sense to risk your life. Seeking expert advice from a team specialists can also help get suitable insurance coverage. It is better top be protected than risk your life. Initially, single day insurance was originally limited to the motor trade only. It has been designed to meet the needs of people who require immediate, short-term insurance to drive and to cover them for a period of between 1 to 28 days against accident, fire or theft damage to their vehicle, as well as their legal obligations or third party claims.

Sadhana D, Expert Author, Platinum author
Article Source: http://EzineArticles.com/?expert=Sadhna_D

Sunday, August 30, 2009

Auto Accident Insurance Claims - There Are Some Things You Need To do.

If you accept been in an auto blow again you will acceptable accept to book an auto blow allowance claim. This can prove to be absolutely a assignment ambidextrous with allowance adjusters and the things that appear with it. If filing an auto blow allowance affirmation there are some things you should apperceive that will prove to be capital to you.

Contact your allowance aggregation actual anon afterwards the accident. This is the aboriginal one to alarm in case of abrasion also. Yield time to apprehend what pertains to your auto blow allowance affirmation if you aboriginal accept your allowance action this will advice bright up any misunderstandings afore accidents appear and will accord you an abstraction of what your auto blow allowance affirmation entitles you to instead of accepting to anguish about it while your traveling through the agony of an accident.

When you autograph your account cover as abundant data of the auto blow as possible. You can reinforce your affirmation by demography pictures of the car and any injuries that may accept been abiding due to the auto accident. Yield down names and numbers of any assemblage that may be able to advice in proving your auto blow allowance affirmation if the time comes. Bethink to yield addendum on any added bodies or cars that were complex in this blow because this is actual important to your claim.

Keep all annal pertaining to your claim. Write down if you accept a chat with the allowance officer, agents or anyone abroad that is complex with this auto blow allowance claim. Bethink to accumulate all the bills and receipts that you may acquire during this time. It is important to be honest with your allowance aggregation because if you are not you could be butterfingers due to counterfeit reasons. An auto allowance affirmation has been angry down abounding times on these aforementioned bases.

Another important affair to bethink is that you may accomplish added than one auto blow allowance claim, so analysis any added behavior you may be captivation to verify this. Yield time out to analysis all your policies. You may be advantaged to book added that one auto allowance claim, so accomplish abiding you affirmation for all that you are able to affirmation for.

When authoritative an auto blow allowance affirmation there are some things that you have to bethink to do. Accomplish abiding you do them all and accumulate records.

Saturday, August 22, 2009

how are you covered by your auto insurance

Auto insurance means a mutual understanding with your insurance company to pay for financial losses that may occur due to an accident. Initially you pay the premiums & the insurance company will then pay for any financial loss that results & is in accordance with their policy clauses.

When you have to pay for damages that you have caused to anyone else while driving, getting auto insurance policy helps. What if your automobile gets hit for no fault of yours? If you have auto insurance, you can rest in peace.

how are you covered by your auto insurance?

Usually you will be given property, medical & liability coverage. All states want you to have a quantity of the coverages.

Auto insurance includes 6 different kinds of coverage:

* PIP or Personal Injury Protection covers treatment costs for injured drivers & passengers of the policy holder's automobile.
* Bodily Injury Liability covers the damage that a driver/policy holder causes to anyone else. The driver may be you or even your relatives members as mentioned in the policy.
* Collision is usually sold with deductibles between $250 & $1000. It pays for the damage incurred on your automobile due to collision with another car/object or if the automobile flips over.
* Property Damage Liability is functional when you or anyone who drives your automobile with your permission causes damage to another person's property. The property may be a automobile, lamp posts, fences & any other structure that you hit.
* Uninsured Coverage pays for any damage you face due to being hit by an uninsured driver. Under insured Coverage pays for the damage caused to you by a driver with insufficient insurance.
* Comprehensive coverage pays for any loss occurring due to theft, fire, falling objects, missiles, explosions or for damage that occurs not from a collision.

Do you need auto insurance?

Yes! If you want to protect your assets & want to be saved from the unnecessary hassle of parting with a lump sum amount at two times you need auto insurance. Besides, all states need you to have at least the maximum amount of insurance.

Check out the 5 most important things when choosing an auto insurance company:

How can you pick an insurance company?

1. Check if the company is licensed to provide auto insurance.
2. Carefully consider what the company is offering you for the price they are charging.
3. Find out if the company providing insurance is financially sound. Only a financially sound company can provide you peace of mind when you claim your insurance.
4. See if the insurance company has a nice service record. You may even refer to client/customer testimonials.
5. Make sure you feel comfortable with the company or the agent providing insurance. If you are not comfortable, then the company is not the right two for you.

How much should you pay for your insurance policy?

* Driving record - If your record is nice your premiums will be low & vice-versa.
* Number of miles driven per year - The lower the number lesser the premium. Accidents have more chances to occur if you drive more miles.
* location - The trend of accidents, probability of thefts, lawsuits, cost of medical treatment & automobile repair in your locality also determine the premium that you need to pay.
* Your age - Teenagers are charged over mature drivers with more driving experiences.
* Your automobile - Cost of your automobile, cost of repairs, likelihood of theft, safety record of your automobile also determine how much you will pay.
* The coverage amount - Bigger coverages want you to pay more premiums & also offer discounts at times.

Although the insurance quotes vary between companies & also states, there's several factors that determine how much you will pay for auto insurance.

What not to do when buying auto insurance?

Take a look at the 3 common mistakes to avoid when buying insurance.

1. Buying insurance that fits the state maximum requirements: It is always advisable to consider the factors that determine the cost of your auto insurance.
2. Considering cost alone when buying insurance: You may opt for a company that demands lower premiums. But check if the funds reimbursed will cover the damage that may be incurred.
3. Not being transparent about driving history: You may not get an accurate quote if you have not clearly & honestly mentioned your driving history. If this happens, then at a later date your policy might also get cancelled.

Getting auto insurance is the best thing to do to protect yourself from any financial loss that may occur as a result of some automobile accident. It is all a part of smart planning. Accidents are something they can't predict. The best thing to do would be to keep yourself prepared for any damage that may occur in future.

Article Source : EzineArticles.com

Thursday, July 2, 2009

How To Find If You Are Paying Too Much For Auto Insurance

With the arrival of online auto insurance quote, there has been a drastic fall in the rates of car insurance policy. With some time spent on searching on the Internet and little homework you can end up getting a cheap auto insurance, which might free you from the nagging thought that you are paying too much for your auto insurance.

Earlier, you chose the insurance provider in your neighborhood and stayed with them without even bothering about whether there is any other better option. But the scene has completely changed with the arrival of online car insurance policy.

Why are people on the hunt for cheap auto insurance quote online? The answer is obvious to save money. When you compare a number of auto insurance quote on a single website you get an idea what is on offer and you end up getting cheap auto insurance. Since there are several players online the cost of auto insurance is also dropping considerably.

When you are directly dealing with a broker, he will be always trying to influence you to buy from him. In the process you don't get to know about the auto insurance quote of other companies. But through an online car insurance policy provider you get to know about a whole lot of auto insurance quote. This saves time and also you can get an auto insurance quote at your convenient time. Once you decide for online car insurance policy you can keep annoying agents at bay.

Get as many auto insurance quote as you can is the key to know whether you are paying too much. Compare it with traditional auto insurance quotes, refer some online reviews, and talk with your friends and family members soon you will be seeing a difference. Different types of car have different type of insurance quote, which you will be easily able to know through online car insurance policy. Age and value of a car also matters when it comes to cheap auto insurance quote. There a lot of hidden costs, which you come to realize only when you compare quotes from different insurance providers. This can be easily done on a website which provides information on a host of insurance companies. All this and a lot of other points, which you might have never thought of is easily available when you opt for a cheap online insurance policy. Most online insurance companies give you a lot of information other than just cheap insurance quote, which at the end of the day saves your valet and makes you wise.

Source: Articlecircle.com

Wednesday, July 1, 2009

10 Ways to Save Money for Car Insurance

Car insurance is probably a significant part of your budget. According to the National Association of Insurance Commissioners, Americans pay on average about $800 a year for car insurance-that's over $67 a month. Wouldn't it be nice to reduce that payment by as much as 20 or 30 percent? You can-and it's not as difficult as you might think. Take a look at the following 10 tips from InsWeb.com and start saving money now.



1. Shop Around and Compare Rates Regularly
Your circumstances change all the time, and so will the way car insurers view you. If you don't compare rates every once in a while, you'll never know if you could be paying less. According to an independent study, people who compare rates and switch carriers at InsWeb.com save an average of $301* on a six-month policy.

2. Increase Your Deductible
Simply put, the higher your deductible, the lower your premium. The cost of an accident will be that much more expensive, but the savings on your rate could make it well worth it.
3. Insure Your Home and Your Car With the Same Carrier
With a multi-line insurance policy you purchase both your car and homeowners insurance from the same carrier. According to the Insurance Information Institute, a multi-line policy can save you up to 15% on both premiums.

4. Pay Your Policy in a Lump Sum
Extra administrative fees are often applied to payments when you split your premium into installments (e.g. monthly, quarterly, etc.). Be aware that a monthly fee of even $7 can add up to almost $100 a year.

5. Take Advantage of Good Driver Discounts
Most insurance companies provide discounts for drivers with excellent driving records. In fact, some states require companies to provide these discounts. If you haven't had any accidents or tickets in the last three to five years, you're probably eligible.

6. Don't Overpay Just Because Your Record Isn't Perfect
It's never good to have an at-fault accident or moving violation on your record as all insurance companies will consider you a higher risk. But not all companies look at violations and accidents the same way, and many companies specialize in insuring different types of drivers. If you shop around, you might be surprised at what you find.

7. Look for a Safe Vehicle Car Insurance Discount
Many car insurers offer discounts for various safety features on your vehicle, including air bags, alarms, factory-installed mechanical seatbelts and antilock brakes. When getting updated car insurance quotes, be sure to indicate such safety features.

8. Pay Less When You Drive Less
Many car insurance companies will offer discounts on vehicles that incur low annual mileage. If your commute has recently changed or you have recently retired and no longer drive your car to work, you might save money by getting an updated quote.

9. Take Advantage of Good Student or Senior Discounts
Because many companies feel conscientious students make conscientious drivers, students currently enrolled in school often receive a discount on car insurance if they can demonstrate good grades. Similarly, providers are also known to value the wisdom of an experienced driver, offering discounts to drivers over 50 as a result.

10. Don't Pay for Coverage You Don't Need
If you don't keep a close eye on the details of your car insurance policy, you could end up paying for things you don't need. For example, you may be a member of a car club that provides roadside assistance yet also pay for towing on your car insurance policy.

How Can I Save Money on Car Insurance?

Car insurance is mandatory. If you are going to drive a car then you absolutely need insurance for protection. It should make no difference that it is required by law.

No one wants to pay too much for auto insurance. We want to reduce the payments and provide for insurance needs at the same time.

Of course the first steps involve making sensible choices even before you get into a car or turn on the ignition. Only letting experienced drivers drive your car is one of the easiest ways to reduce your insurance costs.

You should try to select a moderate make and model of car with a low insurance quote for your particular location. You are obliged to keep a good driving record, a part of that record proof of training yourself well before driving: driver's education coupled with defensive driving course can actually lower the insurance cost. Once you deal with these aspects, then you may begin looking for the best bargains in car insurance.

Search the quotes and premium information and you can get clarification on many issues. Both in libraries and on the internet, you can investigate the makes and models of cars, make a comparison of geographic places in terms of premiums, and see for yourself a big range of potential training programs. Getting quotes is the best thing to do overall.

Quotes that are made available by a range of sources, provide you with exact terms of the price of different schemes, at the same time taking into consideration variables like age, accident records, vehicle make, etc. There are many programs out there to help you find what meets your needs for the best money.

By typing specifics like a driving record into a search engine, you can ask for quotes from many companies. The trouble constructing a search can call our local library and ask for help in the search technique for paper based materials. Once you get started, get a large number of quotes and start comparing them.

By doing so you provide yourself with a well chosen and well designed insurance package which costs as little as possible. You will find a sense of empowerment as well as reduce the fear and stress of driving when you have a great policy at your back.

Source: EzineArticles.com

Monday, June 29, 2009

How to Locate Cheap Auto Insurance?

Finding cheap auto insurance can help you save hundreds of dollars each year. It is possible to save hundreds of dollars on your car insurance though most people don't bother because it is easier to stay with their current auto insurer. If you are looking to completely change your insurer then you should shop around to get the bets possible insurance for the lowest price. You can look for any discounts that you may be eligible for, you can increase the amount of your deductible or you can decrease the coverage you have on an older car.

The only way to determine what the lowest prices are for auto insurance is to shop around and request quotes from many different auto insurance companies. It is important that you compare all of the items that are included in the auto insurance. Just because it is inexpensive does not mean you should purchase bad auto insurance.

It is good to know how long it takes for a claim to be processed and when you can expect to receive payment. You want to choose low cost automobile insurance but you still want to have a good insurance policy. You should not get a cheap insurance policy if it is bad insurance no matter how inexpensive the cost.

It is possible to find discount auto insurance without changing your auto insurer.Many times discounts are available for those that have participated in a defensive driver-training program or if you have a good driving record. Additionally many times there are discounts if you have safety devices or anti theft devices in your vehicle. Almost all companies offer low mileage discounts.

If you have never had any car accidents or tickets then you may want to increase your deductible. The only time you pay a deductible is when an accident occurs. A higher deductible will dramatically decrease your insurance premium each year and the money you save can be quite substantial.

Older cars may not need to have as much coverage as newer cars because their value is much less. You need to compare the value of your car with the cost of having full comprehensive or collision insurance. If the cost of insurance is the same or more then the value of your car it may be a good idea to reduce the coverage on your car. All of these things together can help you get cheap car insurance.

Source: http://EzineArticles.com/?expert=Joseph_Welusz

Finding the Best Price on Monthly Auto Insurance


Today there are many ways for us to purchase monthly auto insurance. With most monthly auto insurance plans, you will have to pay the premiums once per month on a set due date.

Many people find it much more convenient to pay their insurance in smaller monthly payments than having to pay everything at once. There is often a small monthly service charge to pay for this convenience.

Since there are many different insurance companies, there are many different payment plans. Some companies will send a bill once per month and allow you to send a check before the due date. Other companies may offer the option of debiting your checking account for the premium. Still others may require the later option.

You will fins many websites that allow you to check the many rates offered by competing companies. This allows you to choose the best plan for you. Be sure to see if you qualify for any discounts. Some companies give a discount if you have more than one vehicle, buy renter's or homeowner's insurance from the same company, have a student in school with good grades or are a senior.

If you do not compare prices on insurance, you may be paying too much for your monthly auto insurance. Often you can find better rates than you are now paying with the click of the mouse or a phone call. This will save you money each month. Many companies today want to be very competitive in their prices.

When comparing plans be sure that you also compare the benefits offered. Some companies offer coverage on rental vehicles that will save you as much as 25 dollars every day you rent a car. If you rent a vehicle even once per year this may be an overall substantial savings and worth 5-10 dollars per month more for the policy.

Source: http://EzineArticles.com/?expert=Felix_Fassbinder

Does Car Insurance Cover Breakdowns?

The study by Churchill car insurance, investigated how confident men and women are about basic car maintenance. It found that more than a quarter of men consider themselves to be experts, whereas only one in 20 women rate themselves this highly.

What's more is that men and women have contrasting reactions to suffering a car breakdown. Around 34 per cent of men are likely to look at tackling the problem themselves, whereas two thirds of women say they feel much safer knowing that someone can help them if their car breaks down.

How can car insurance help?

Previously, if you wanted a decent breakdown policy you would have to take out an exclusive deal with one of the country's leading providers - such as the AA, RAC or Greenflag. However, now many car insurance companies offer breakdown cover as an add-on to their policies.

Some insurers offer breakdown cover as an optional extra whereas others will include it as standard. If it is available as an extra then its worth using a comparison website to see how much it is adding to your policy and comparing it to the quotes available from traditional breakdown companies.

However, if breakdown cover is included as standard on a car insurance policy, then you simply need to check the level of cover available. For example does it include home starts, onward travel and will it cover you on European roads? Or is it simply roadside assistance?

How cutting breakdowns also means cutting car insurance premiums

Taking steps to reduce your risk of a car breakdown can also pay off financially with car insurers. The better condition your car is in, the less likely you are to have an accident and therefore to make a claim.

So check the oil levels each week and add oil if the level is below the dipstick. Also check brake fluid and washer fluid. For more complicated jobs consult a mechanic and try to get your vehicle serviced once every six months.

Source: http://EzineArticles.com/?expert=Alex_Gregory

One Day Car Insurance

If you need an extra driver to share driving while on a long journey, you can get one day car insurance.
Insurance, has become one of the inevitable expenses today. Almost everyone options for an annual insurance cover with proper payment. Insurance, is simplified today. One day car insurance or temporary insurance is a relatively recent advancement known to very few people. This can come in handy if your car is being used by a friend or by one of your family member for a day.

Insurance is often mistaken to be a costly affair. Many people don't wish to spend a huge amount of money on insurance. Such people can benefit from insure for one day. Seeking expert guidance from car insurance providers can also help take the right decision. One day car insurance can help the driver using the car for a day or two get protected adequately against any kind of injuries. It can help get compensated against any kind of injuries. It is advisable to safeguard your interest always; be it any kind of journey.

The insurance can prove to be helpful in numerous ways:

• Immediate drive-away insurance if you've just bought a car

• Temporary additional drivers (including overseas visitors)

• Temporary additional cars

• Unaccompanied vehicle demonstrations or use of courtesy cars

• Lending a car to a friend, colleague or relative

It is advisable to insure car if you wish to use the car for a day or two. It is true that today, even the smallest of journeys need cover. Hence, it doesn't make sense to risk your life. Seeking expert advice from a team specialists can also help get suitable insurance coverage. It is better top be protected than risk your life. Initially, single day insurance was originally limited to the motor trade only. It has been designed to meet the needs of people who require immediate, short-term insurance to drive and to cover them for a period of between 1 to 28 days against accident, fire or theft damage to their vehicle, as well as their legal obligations or third party claims.

Sadhana D, Expert Author, Platinum author
Article Source: http://EzineArticles.com/?expert=Sadhna_D

How to Find Affordable Car Insurance

It's becoming increasingly difficult to find a car insurance policy that is affordable enough and provides enough coverage. However, if you do your research properly, you'll definitely find the insurance that'll be just right for you. You will have to put in some effort though: canvassing, weighing the options, weighing protection as well as affordability. Remember that "affordable" is a relative term: what might be expensive for you might be affordable for someone else. Just make sure that you consider all offers you get in terms of your own financial capabilities and insurance needs.

Weighing the Options

The idea behind insurance is to give you peace of mind by buying protection beforehand in the event of an accident/breakdown. In the US, car insurance is required in 47 of the 50 states, so you'll pretty much be required to get insurance if you plan to drive in this country. Laws vary from state to state as to how much protection you should get. It is prudent to check your state's minimum requirements if you're on a tight budget and can afford only the minimum insurance cover. Seek extra cover only if you can afford it. Your driving records, as well as the car you drive will affect the premiums insurance companies will offer you, so you'll have to weigh a lot of options if you're determined to get the best possible deal. Typically, if you have a car equipped with the latest security and safety features, your premiums will go down. New car owners invariably pay less in premiums than those with older cars. Your driving record affects your premiums too. If you've had several infringements against your record, especially severe offenses like DUI, speeding, etc., you'll find it hard to get cheap insurance cover. Insurance packages will vary in the degree of protection they offer and the areas they cover. Some policies even include medical expenses in case of an accident, while there are several others with specific procedures to help you in case of a collision with an uninsured motorist.

Making the final decision

Ideally, you should get the most comprehensive insurance cover that you can afford - something that gives you complete peace of mind in the event of an accident or breakdown. But at the same time, you should remember to not over pay and bust your pocket - it is better to meet the minimum insurance requirements in your state than be broke with thousands of dollars in debt by overpaying for your insurance. Look for companies that offer discounts for multiple cars. Many families these days have more than one car, and several insurance companies have come up with plans that include low premiums if you get both your cars insured through them. Also, there are a few companies that will offer you discounts if you get your home as well as car insurance from them. Consider this option if you're a homeowner shopping for car as well as home insurance together. Last, but not the least, don't forget the real reason for getting insurance: to save money. If you're underinsured, you'll find that you'll have to pay way more in the event of an accident or breakdown than what you would have to pay for your premiums. By being underinsured, you'll put yourself at a financial risk. Get adequate coverage that you can afford - but don't over do it if you don't have the extra cash to spend.

Source : http://EzineArticles.com/?expert=John_Newcomb

Sunday, June 28, 2009

What Should You Look Out For When Getting Cheap Auto Insurance?

When shopping for auto insurance, it is important that you seek out the best deals for your money. Many are under the impression that car insurance rates are determined by the overall quality of the automobile insurance that is provided. However, there are many companies out there that offer cheap auto insurance and offer quality benefits, and services. Here, you will be introduced to a few things that you should look out for when it comes to getting cheap auto insurance. Whether you are shopping for rates that will cover a used vehicle, or a new one, these helpful techniques will assist you in your endeavor.

One of the very first things that you should do when searching for the cheapest auto insurance rates is to make a personal commitment to shop and compare. It is important to not just compare the prices of the coverage that is offered by various insurance companies. It is equally important to compare the services and the benefits that are associated with the coverage itself. Many times, you may find that a higher costing insurance coverage may not offer as many benefits to you as a low costing insurance can, or vice versa. However, if you take the time to shop and compare every aspect of the coverage, you are sure to find out some things that catch your interest.

The next thing that you should look out for when it comes to shopping for car insurance is discounts. Yes, many car insurance companies advertise discounts for safe drivers, and similar discounts but did you know that many companies have discounts available that they do not advertise? When calling about your potentially new policy in car insurance, you should ask about discounts

For keeping your car in a locked yard

Keeping your vehicle in a garage

Safe driving discounts

Driving course discounts

Discounts for military personnel

Senior Citizen discounts

And, similar discounts!

You will probably discover that you qualify for more discounts than you ever imagined. However, you must understand that most auto insurance companies will not advertise these discounts. It is important that you inquire about these when you call to establish your rates for coverage with that particular company.

There are many features that can add additional discounts to your auto insurance policy. When inquiring about and seeking out cheap insurance plans, you should research these features to determine if any of them qualify you for additional discounts. You will be surprised to find that items such as certain brake systems, and airbags can prove to be beneficial when it comes to lowering the cost of your insurance.

In conclusion, there are many different things that you should look for when it comes to your car insurance. The items mentioned throughout this guide can lead you to save hundreds on your car insurance each year. If you are looking to obtain cheap car insurance, you must know and understand the basics behind the prices that are charged for car insurance.

by: Kian Chew Chong

Saturday, June 27, 2009

How much automobile insurance should you carry?

How much automobile insurance should you carry?
In this article you will find the answer for this question that is easy as much as you can afford. The primary reason to buy automobile insurance, both liability and uninsured motorist coverage is to protect yourself and your assets. Your insurance company will never pay more in damages to you or to a person you negligently injure than the dollar amount of the coverage you paid for no matter how high a verdict there may be either against you or for you.
Let's look at two hypothetical examples regarding liability and under insurance coverage.

Liability Coverage

If you pay a policy premium for $25,000/50,000 in auto liability insurance coverage, this is what could happen if you negligently cause injury to another person in an auto accident and the injured person sues you. With significant injuries and damages a jury might award the injured person $75,000. Under these facts, your insurance company would pay the injured plaintiff only $25,000 on your behalf, the amount of coverage you bought. As a result, you could be held liable for payment of the remaining $50,000 yourself.

What would happen if you had purchased a larger $100,000/$300,000 policy? Your insurance company would ordinarily pay the injured person the entire judgment amount of $75,000. Consequently, you would not be obligated to pay any part of the judgment yourself. To sum it up, the more insurance coverage you buy the less likely it is that you will ever be called upon to pay any part of a legal judgment against you.

Under insurance Coverage

Your purchase of high insurance limits can also help you or your family members when one or more of you are injured through the fault of another driver. This might occur if you and/or relatives who live with you sustain serious injuries in a motor vehicle accident and the negligent driver who caused the accident has less insurance coverage than you do.

How does this work?
As an example, let's say the negligent driver has purchased a $25,000/$50,000 auto liability insurance policy, and you have a policy that provides $100,000/$300,000 in UM coverage. Your injuries are serious. Your medical bills and lost wages are substantial. In your lawsuit against the negligent driver, a jury awards you $100,000 in damages. The defendant driver's insurance will pay you only $25,000, the maximum amount of liability coverage the defendant bought which can be paid to one person with respect to one accident. However, you can look to your own UM coverage to see if there is under insurance coverage available to you. Given the above facts, your insurance company would pay you $75,000 in underinsurance coverage.

How do you arrive at the $75,000 figure?
It happens this way. Under Virginia law, if there is UM coverage available to you in an amount greater than the defendant's liability coverage, you will have underinsurance coverage. If not, there will be no underinsurance for you[3]. The availability of underinsurance coverage depends on a comparison between a specific defendant's liability coverage and the UM policy or policies which provide you coverage. With regard to the above example, your own insurance company would pay you $75,000 because that is the amount by which your own UM motorist coverage exceeds the defendant's liability coverage of $25,000. By adding your $75,000 in underinsurance coverage to the defendant's $25,000 liability limits, the $100,000 judgment against you would be paid in full.

However, there would be a different result if there was just one policy available that provided you only $25,000/$50,000 in UM coverage. Under the described facts, your insurance carrier would pay you nothing because your UM insurance coverage of $25,000/$50,000 does not exceed the defendant's own $25,000/$50,000 liability limits. Yes, you can pursue the defendant driver personally through collection proceedings after trial. However, the average defendant has few assets and collecting on a judgment can be a long, expensive, and often futile endeavor. In the end, it is always better to carry high liability/UM insurance limits yourself and ensure that you and your own family are protected in the event one or more of you sustains severe injuries caused by the negligence of a driver with low automobile insurance coverage limits[4].

Footnotes

1. Auto insurance limits of $25,000/$50,000 constitute the minimum amount of auto liability and uninsured motorist coverage you can buy in Virginia. Each state determines its own auto insurance minimum limits; therefore, minimum limits differ from state to state as do laws related to auto insurance. The facts in this article are based on Virginia law only. If you live in another state, you will want to learn about the applicable insurance laws in your own state.

2. When you see a figure like $25,000/$50,000 in relation to an auto policy, it means the limits are "split", that is, one injured person can recover a maximum of $25,000 under the policy while $50,000 is the most coverage the insurance company will pay out to all injured persons regardless of the number of people injured in the same accident or how badly they may be injured.

3. In Virginia, you may be entitled to undersinsured motorist coverage under more than one policy, and these policies can sometimes be "stacked" to give you more coverage. Va. Code § 38.2-2206. This is a complex area of law, and it is wise to consult an attorney to explore whether there is underinsurance in your case.

4. In Virginia, you cannot buy UM coverage in an amount that is higher than your auto liability insurance limits.

Author
Elizabeth M. Allen http://www.allenandallen.com
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The primary reason to buy automobile insurance, both liability and uninsured motorist coverage is to protect yourself and your assets. Your insurance company will never pay more in damages to you or to a person you negligently injure than the dollar amount of the coverage you paid for no matter how high a verdict there may be either against you or for you. >> see more detail
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