August 2008
Monthly Archive
Choosing the Right Vehicle for Affordable Car Insurance Policy
admin 19 Aug 2008 | : Uncategorized
Ace Smith asked:
Today, the type of vehicle you have may be the reason why you are getting or not getting an affordable car insurance policy. On a higher note, it’s actually THE most important reason. Today, it’s not anymore a matter of looks and flair but safety will also feature a more important role in getting affordable car insurance policies. Choosing your car wisely will not only depend on what you and your family needs but also what will make affordable car insurance payments.
1. Safety
This will be one of the most important attributes of your car for you to get an affordable car insurance policy. Companies consider cars that are “crashworthy” less expensive to insure. Repairs would be minimal as well as any injuries sustain by the drivers and passengers lesser compared to other vehicles. Cars with airbags and a more stable frame can be considered great buys in terms of savings.
2. Image is not everything
Cars that look and feel great do not necessarily mean the same in your car insurance company’s perspective. Affordable car insurance premiums are less likely if you are purchasing convertibles and luxury sedans. High-speed vehicles are especially prone to being more likely to be in an accident than sensible four-door utility vehicles. Safety features also take a backseat when it comes to these types of vehicles.
3. Security systems
There are a number of vehicles that come ready and equipped with a security system. Vehicles with GPS devices on board can be easily tracked if stolen. Anti/theft and alarm devices are very popular features with car insurance companies. Affordable car insurance can be offered to you if you have these features in your vehicle.
4. Coverage
There are comprehensive coverage that some companies offer ranging from theft, natural events, flooding, vandalism and other occurrences. The more affordable car insurance policies only cover the most basic collision and damage repair. You need to look at your automobile to determine what type of car insurance policy you will get. If your car is brand new, it would be prudent to cover a more comprehensive one but if it is a second-hand vehicle, it would be wiser to just get the basic and more affordable car insurance policy with the limited coverage.
5. Car models
Whenever you purchase a car, the car model should be considered. There are certain cars that are more likely to be stolen or more expensive to insure. You have to understand that the more expensive the car, the more expensive the car insurance premiums you have to expect. Some older automobile models are also popular theft targets because of their parts.
Today, the type of vehicle you have may be the reason why you are getting or not getting an affordable car insurance policy. On a higher note, it’s actually THE most important reason. Today, it’s not anymore a matter of looks and flair but safety will also feature a more important role in getting affordable car insurance policies. Choosing your car wisely will not only depend on what you and your family needs but also what will make affordable car insurance payments.
1. Safety
This will be one of the most important attributes of your car for you to get an affordable car insurance policy. Companies consider cars that are “crashworthy” less expensive to insure. Repairs would be minimal as well as any injuries sustain by the drivers and passengers lesser compared to other vehicles. Cars with airbags and a more stable frame can be considered great buys in terms of savings.
2. Image is not everything
Cars that look and feel great do not necessarily mean the same in your car insurance company’s perspective. Affordable car insurance premiums are less likely if you are purchasing convertibles and luxury sedans. High-speed vehicles are especially prone to being more likely to be in an accident than sensible four-door utility vehicles. Safety features also take a backseat when it comes to these types of vehicles.
3. Security systems
There are a number of vehicles that come ready and equipped with a security system. Vehicles with GPS devices on board can be easily tracked if stolen. Anti/theft and alarm devices are very popular features with car insurance companies. Affordable car insurance can be offered to you if you have these features in your vehicle.
4. Coverage
There are comprehensive coverage that some companies offer ranging from theft, natural events, flooding, vandalism and other occurrences. The more affordable car insurance policies only cover the most basic collision and damage repair. You need to look at your automobile to determine what type of car insurance policy you will get. If your car is brand new, it would be prudent to cover a more comprehensive one but if it is a second-hand vehicle, it would be wiser to just get the basic and more affordable car insurance policy with the limited coverage.
5. Car models
Whenever you purchase a car, the car model should be considered. There are certain cars that are more likely to be stolen or more expensive to insure. You have to understand that the more expensive the car, the more expensive the car insurance premiums you have to expect. Some older automobile models are also popular theft targets because of their parts.
The Big 20: Tips to Help Reduce Car Insurance Quotes Part Two 11-20
admin 18 Aug 2008 | : Uncategorized
Andy Adams asked:
In the previous part of this article I covered ten ways to help reduce your car insurance quotes, despite petrol prices going down our insurance premiums continue to rise to the point of many of us questioning whether having a car is really worth it.
Well help is at hand yet again, here are another ten tips and tricks to help bring your car insurance quotes back down to manageable levels.
11 – Avoid the soft top at all costs! Soft top cars are an insurance nightmare; they’re easy to break into and tend to be higher performance vehicles. You’re more likely to be hurt in an accident too so medical costs being claimed for are going to do you no favours come renewal time.
12 – Get extra qualified for driving by taking a pass plus course or an advanced driving course, by learning how to be safer and being able to drive more confidently in most situations you are proving to your car insurance provider that you can be trusted not to wrap your car round a lamp post.
13 – Cut down on who is listed as a named driver on your car, the more people that drive a car the more risk there is and so premiums shoot up. Fewer drivers, especially teenage drivers will typically bring your quotes down assuming you have a clean record yourself.
14 – Save money on your breakdown cover by checking your battery, water, oil and petrol levels before a big journey and every few months for your oil as these can be common call out reasons. You’ll typically receive a no call out bonus at the end of the year if you don’t need to call out the AA, RAC or whoever you are with.
15 – Consider only insuring 3rd party, fire and theft insurance if your car is old or of low value. Cars under £2000 in value are typically not worth insuring with full comprehensive cover as most repairs will cost more than the cost of the car.
16 – If you are deemed a bad risk from previous convictions or financially then there are some insurers who specialise in insuring people like you! Search them out and ask insurers whether they will cover someone in your circumstance.
17 – Some companies will offer No Claims Bonus protection where in certain circumstances you will not have to lose your NCB, typically this helps when someone else is found to be at fault of an accident with your car, considering NCBs are highly sought after it’s no surprise that many people want to keep their record squeaky clean.
18 – .Compare multiple providers, by checking with other companies you may be able to find the perfect insurer for you personally. Sometimes playing one insurer off against the other may even help, when you get quoted for a price and another has quoted a better price then mention it and ask if they can beat it, if they won’t then you have still got the other provider so you can’t lose. Again: don’t ask, don’t get.
19 – Lower your mileage and you can get some nice discounts, because you’re on the road less then you’re less likely to be involved in an accident. Mileages under 12,000 typically earn 5 to 10 percent discount on car insurance and if you’re in a household with multiple cars and have a mileage of fewer than 5,000 then you’ll get even further cuts.
20 – Sometimes going direct to the insurers themselves can be the best option; some insurers do not buy into the whole insurance broker business and their discounts are saved for those who contact them directly, invariably this is only a small amount of insurers that adopt this policy, possibly because they don’t have very competitive prices!
So there you go twenty tips to drag your car insurance premiums down, by simply heeding the advice of a few of these tips you’re going to help bring your car insurance quotes down to a more manageable cost.
In the previous part of this article I covered ten ways to help reduce your car insurance quotes, despite petrol prices going down our insurance premiums continue to rise to the point of many of us questioning whether having a car is really worth it.
Well help is at hand yet again, here are another ten tips and tricks to help bring your car insurance quotes back down to manageable levels.
11 – Avoid the soft top at all costs! Soft top cars are an insurance nightmare; they’re easy to break into and tend to be higher performance vehicles. You’re more likely to be hurt in an accident too so medical costs being claimed for are going to do you no favours come renewal time.
12 – Get extra qualified for driving by taking a pass plus course or an advanced driving course, by learning how to be safer and being able to drive more confidently in most situations you are proving to your car insurance provider that you can be trusted not to wrap your car round a lamp post.
13 – Cut down on who is listed as a named driver on your car, the more people that drive a car the more risk there is and so premiums shoot up. Fewer drivers, especially teenage drivers will typically bring your quotes down assuming you have a clean record yourself.
14 – Save money on your breakdown cover by checking your battery, water, oil and petrol levels before a big journey and every few months for your oil as these can be common call out reasons. You’ll typically receive a no call out bonus at the end of the year if you don’t need to call out the AA, RAC or whoever you are with.
15 – Consider only insuring 3rd party, fire and theft insurance if your car is old or of low value. Cars under £2000 in value are typically not worth insuring with full comprehensive cover as most repairs will cost more than the cost of the car.
16 – If you are deemed a bad risk from previous convictions or financially then there are some insurers who specialise in insuring people like you! Search them out and ask insurers whether they will cover someone in your circumstance.
17 – Some companies will offer No Claims Bonus protection where in certain circumstances you will not have to lose your NCB, typically this helps when someone else is found to be at fault of an accident with your car, considering NCBs are highly sought after it’s no surprise that many people want to keep their record squeaky clean.
18 – .Compare multiple providers, by checking with other companies you may be able to find the perfect insurer for you personally. Sometimes playing one insurer off against the other may even help, when you get quoted for a price and another has quoted a better price then mention it and ask if they can beat it, if they won’t then you have still got the other provider so you can’t lose. Again: don’t ask, don’t get.
19 – Lower your mileage and you can get some nice discounts, because you’re on the road less then you’re less likely to be involved in an accident. Mileages under 12,000 typically earn 5 to 10 percent discount on car insurance and if you’re in a household with multiple cars and have a mileage of fewer than 5,000 then you’ll get even further cuts.
20 – Sometimes going direct to the insurers themselves can be the best option; some insurers do not buy into the whole insurance broker business and their discounts are saved for those who contact them directly, invariably this is only a small amount of insurers that adopt this policy, possibly because they don’t have very competitive prices!
So there you go twenty tips to drag your car insurance premiums down, by simply heeding the advice of a few of these tips you’re going to help bring your car insurance quotes down to a more manageable cost.
Cheap Car Insurance: Love Your Car and Express it
admin 16 Aug 2008 | : Comprehensive Insurance
Allan asked:
You can not imagine a day without a car such as it has become a part of your family. It provides you speedy service whenever you need and it is your traveling partner in your long drives. It runs over the road so that you can reach office on time daily. These are just some benefits of your car but do you take a proper care of it, if not then you should opt for cheap car insurance.
In fact, your car is prone to so many misfortunes. A small short circuit in the engine may result in a fire and it can damage the paint of your car excessively. It also can fall victim to some kind of vandalism while standing in the parking or sometimes some hooligan can try to steal it from you. These are general cases apart from the fact that your car can be damaged totally due to a serious accident.
But, you can avoid the financial implications of any such misfortunes by opting for cheap car insurance. Various kinds of car insurance can provide you financial security against fire, theft, attempt of theft, vandalism or accidental damage to your car. Most car drivers assume that car insurance simply pays for auto crash injuries; repair of damaged cars and for stolen vehicles. But the fact is that various cheap car insurance pays for a wide range of services. They provide benefits to the policyholders and the others affected in car crashes.
Sometimes, cheap car insurance coverage may also extend to others who drive the insured car such as, relatives who live with the insured driver and drive the insured’s car, with or without permission. Furthermore, you can get benefits like a lifetime guarantee on all paint and bodywork repairs and a free courtesy car while your car is being repaired by one of their recommended garages. You can have 24 hours claims helpline and you can call for the repair assistance on road any time you want.
Some auto-insurance companies also cover for personal belongings, clothing, car audio etc. Hence, if you love your car then cheap car insurance is the best way to express it.
You can not imagine a day without a car such as it has become a part of your family. It provides you speedy service whenever you need and it is your traveling partner in your long drives. It runs over the road so that you can reach office on time daily. These are just some benefits of your car but do you take a proper care of it, if not then you should opt for cheap car insurance.
In fact, your car is prone to so many misfortunes. A small short circuit in the engine may result in a fire and it can damage the paint of your car excessively. It also can fall victim to some kind of vandalism while standing in the parking or sometimes some hooligan can try to steal it from you. These are general cases apart from the fact that your car can be damaged totally due to a serious accident.
But, you can avoid the financial implications of any such misfortunes by opting for cheap car insurance. Various kinds of car insurance can provide you financial security against fire, theft, attempt of theft, vandalism or accidental damage to your car. Most car drivers assume that car insurance simply pays for auto crash injuries; repair of damaged cars and for stolen vehicles. But the fact is that various cheap car insurance pays for a wide range of services. They provide benefits to the policyholders and the others affected in car crashes.
Sometimes, cheap car insurance coverage may also extend to others who drive the insured car such as, relatives who live with the insured driver and drive the insured’s car, with or without permission. Furthermore, you can get benefits like a lifetime guarantee on all paint and bodywork repairs and a free courtesy car while your car is being repaired by one of their recommended garages. You can have 24 hours claims helpline and you can call for the repair assistance on road any time you want.
Some auto-insurance companies also cover for personal belongings, clothing, car audio etc. Hence, if you love your car then cheap car insurance is the best way to express it.
Car Insurance Quote Myths Dispelled
admin 09 Aug 2008 | : Automotive
Kim Chambers asked:
Insurance companies ask for an awful lot of information when it comes to getting car insurance quotes. The level of detail required by the companies is all used to judge the risk you and your vehicle pose, and how likely it is you will make a claim. There are a lot of myths and rumours surrounding car insurance quotes however, most of which are utter rubbish. Here we dispel the fiction and reveal the truth behind your car insurance quote.
Car Colour Makes a Difference
A common myth but utterly untrue; many people are led to believe that the colour of their car will have an effect on their car insurance quote. There are two schools of thought on colour affecting car insurance premiums. The first idea is that the popular car colours: silver, black and red are easier to sell on and hence hold their value much better. Higher value cars tend to have more expensive insurance quotes, and so the myth goes that if you want to get a cheap car insurance quote, buy a car in a lurid pink.
On the other hand, rumours would have you believe that unusual car colours by their rarity are much more expensive to repair if there is any body work damage, and hence insurance companies require a premium for buying a car in fluorescent yellow. Both explanations are completely false; car colour has no bearing whatsoever on your car insurance quote.
My Credit History Will Be Reviewed
Whilst this was certainly prevalent a few years ago, in most cases now car insurance companies will not check your credit rating. The advent of the internet has made car insurance a highly competitive market, and with so many companies out there, insurers are much less likely to take your credit history into account than they were in the past. Whilst it is true that you can receive a discount to your car insurance quote for paying upfront rather than in instalments, this is true for all customers and has nothing to do with credit rating.
Living in a Sunny Area Will Get Me a Cheaper Quote
The reasoning behind this perpetuated legend comes from the true fact that drivers are less likely to have an accident in clear and dry weather conditions. As the myth goes, if you live in an area which has historically better weather, you will on average have more days on the road with clear and dry driving conditions which means you should have fewer accidents as a result of your geographic location. This myth arises from confusion about one of the criteria asked for from insurance companies. When getting a car insurance quote, companies require you to provide an address because they monitor the average crime levels in your neighbourhood. The weather is of no consequence to your car insurance quote.
Insurance companies ask for an awful lot of information when it comes to getting car insurance quotes. The level of detail required by the companies is all used to judge the risk you and your vehicle pose, and how likely it is you will make a claim. There are a lot of myths and rumours surrounding car insurance quotes however, most of which are utter rubbish. Here we dispel the fiction and reveal the truth behind your car insurance quote.
Car Colour Makes a Difference
A common myth but utterly untrue; many people are led to believe that the colour of their car will have an effect on their car insurance quote. There are two schools of thought on colour affecting car insurance premiums. The first idea is that the popular car colours: silver, black and red are easier to sell on and hence hold their value much better. Higher value cars tend to have more expensive insurance quotes, and so the myth goes that if you want to get a cheap car insurance quote, buy a car in a lurid pink.
On the other hand, rumours would have you believe that unusual car colours by their rarity are much more expensive to repair if there is any body work damage, and hence insurance companies require a premium for buying a car in fluorescent yellow. Both explanations are completely false; car colour has no bearing whatsoever on your car insurance quote.
My Credit History Will Be Reviewed
Whilst this was certainly prevalent a few years ago, in most cases now car insurance companies will not check your credit rating. The advent of the internet has made car insurance a highly competitive market, and with so many companies out there, insurers are much less likely to take your credit history into account than they were in the past. Whilst it is true that you can receive a discount to your car insurance quote for paying upfront rather than in instalments, this is true for all customers and has nothing to do with credit rating.
Living in a Sunny Area Will Get Me a Cheaper Quote
The reasoning behind this perpetuated legend comes from the true fact that drivers are less likely to have an accident in clear and dry weather conditions. As the myth goes, if you live in an area which has historically better weather, you will on average have more days on the road with clear and dry driving conditions which means you should have fewer accidents as a result of your geographic location. This myth arises from confusion about one of the criteria asked for from insurance companies. When getting a car insurance quote, companies require you to provide an address because they monitor the average crime levels in your neighbourhood. The weather is of no consequence to your car insurance quote.
4 Questions to Ask to Find the Best Car Insurance for Your Needs
admin 07 Aug 2008 | : Uncategorized
Stephen Sikes asked:
If you are embarking on a plan to get car insurance for your new or used vehicle, you may not be sure just what kinds of coverage you need to get in order to be properly protected. Here are some questions you can ask yourself to decide what you need to purchase in a car insurance policy.
What condition is your car in?
The answer to this question will help you decide how much collision coverage you need on your car. Collision auto insurance is the coverage that takes care of repairing or replacing your car if you are in an accident.
If you have a newer car, or a very special older car (such as an antique), you may want to have a higher level of collision car insurance on that vehicle. You want to know you can replace or repair the car were it to be damaged or totaled in an accident.
If you have an older car that mainly does it’s job of getting you around, you may want to go easy on the collision insurance and save the extra money to buy another car if you should need to.
Are you in a no-fault state?
While you may think you are a safe driver and you won’t be responsible for any damage to your car, you need to know if you are in a no-fault state. If you are, that means your insurance will have to pay for your car’s damage even if the accident was not your fault. In this case you will need to make sure your comprehensive insurance is enough to pay for the replacement of your car were the worst to happen.
What amount of medical coverage do you need?
If you regularly have people in your car, you will want to make sure you have medical coverage for passengers worked into your auto insurance policy. If, however, you are alone and almost never have anyone else in the car with you, you may be able to limit this type of coverage and save yourself a couple of dollars on your car insurance premium.
Are you insuring more than one car?
If you have more than one car that needs auto insurance, you may be able to save some on the overall cost by having all of your cars insured by the same company. Most companies offer loyalty discounts for having more than one policy with them.
If you are embarking on a plan to get car insurance for your new or used vehicle, you may not be sure just what kinds of coverage you need to get in order to be properly protected. Here are some questions you can ask yourself to decide what you need to purchase in a car insurance policy.
What condition is your car in?
The answer to this question will help you decide how much collision coverage you need on your car. Collision auto insurance is the coverage that takes care of repairing or replacing your car if you are in an accident.
If you have a newer car, or a very special older car (such as an antique), you may want to have a higher level of collision car insurance on that vehicle. You want to know you can replace or repair the car were it to be damaged or totaled in an accident.
If you have an older car that mainly does it’s job of getting you around, you may want to go easy on the collision insurance and save the extra money to buy another car if you should need to.
Are you in a no-fault state?
While you may think you are a safe driver and you won’t be responsible for any damage to your car, you need to know if you are in a no-fault state. If you are, that means your insurance will have to pay for your car’s damage even if the accident was not your fault. In this case you will need to make sure your comprehensive insurance is enough to pay for the replacement of your car were the worst to happen.
What amount of medical coverage do you need?
If you regularly have people in your car, you will want to make sure you have medical coverage for passengers worked into your auto insurance policy. If, however, you are alone and almost never have anyone else in the car with you, you may be able to limit this type of coverage and save yourself a couple of dollars on your car insurance premium.
Are you insuring more than one car?
If you have more than one car that needs auto insurance, you may be able to save some on the overall cost by having all of your cars insured by the same company. Most companies offer loyalty discounts for having more than one policy with them.