June 2011 ~ CAR INSURANCE

Sunday, 19 June 2011

Factors of Varying Car Insurance Rates

By Jacoby Z Poore As we all know there are a variety of factors when it comes to the insurance rates that we get on our cars. I think the main factors for this are location, coverage, record, age and gender. First variable that actually makes a big difference is the location in which the driver has to get the insurance. I have been insured at almost identical times in my life in two different states, Massachusetts and Washington. With almost identical coverage I have got two completely difference pricing on my rates. Being insured in Washington I found insurance for 40 dollars a month. In Massachusetts the minimum I was able to find was around 112 dollars a month, almost 3 times as much as the Washington insurance. I can only assume that this is the same for other states as well. If...

Factors Involved In Choosing Car Insurance

By Craig L Wumer Choosing the right car insurance company can be quite a burden to an unprepared individual. There are tons of companies to choose from, all of which have many positives and negatives. Car insurance is a legal requirement for any person who chooses to drive, or even own a car. Since it is a legal requirement, it is almost mind boggling how many differences exist between insurance companies. Customer satisfaction, price, and many other factors should play a part in what insurance company a person chooses.How does a person choose the correct car insurance company for them? There are many factors to consider before a person ever commits to an insurance company. Most importantly, is cost. How much does a policy cost? The cost can vary wildly depending on many factors. Some...

Car Insurance - The Fun Begins When You Turn 16

By Craig L Wumer Once a person turns sixteen years old, there is only one thing he or she wants... and that is to get a car. Because, as everyone knows, owning a car is a person's first step towards freedom and independence. On the other side of that coin, however owning a car is also usually a person's first taste of personal responsibility. Once a person gets their license, and is old enough to drive, they need to look into getting car insurance. Car insurance is necessary for everyone who uses a public road, from a person who's had a driver's license for a day, to a person who's been driving for seventy years.Why is car insurance important? Well, if a person doesn't have car insurance and they get into an accident, their world can be turned upside down. Since insurance is a legal...

Why You Need Car Insurance And How It Works

By Craig L Wumer Anyone who has ever been involved in an accident or an incident involving a vehicle can verify that having good car insurance is very important. A lot of people wonder why they would ever need insurance...after all, they're perfect drivers. All it takes is one costly incident for a person to change their tune quickly, however. On top of the fact that driving without insurance is illegal, getting into an accident without insurance can be very, very costly. Even a small fender bender can cause thousands of dollars in damage to each vehicle as well as considerable monetary damage to property around the accident scene.Car insurance protects people from most liability in the event of an accident. There are liability limits, but for the most part, insurance will cover all...

Car Accident Claims - How You Can Get Money From Insurance

By Bethany Collins Car insurance is mandatory in most states in the United States, but this isn't the only reason it's important you purchase it. A single accident could result in thousands of dollars in damage, not to mention medical bills and other fines and having adequate car insurance coverage can protect you from having to pay these costs yourself. However, many people find themselves in a predicament where they get into an accident, make a claim, and despite having what they think is adequate insurance coverage, have to pay for the damages themselves. You can take measures to ensure that your car insurance claims are approved. Firstly, you need to understand exactly what your policy includes or bars, right down to the fine print.1. Liability: The basic insurance coverage...

Do You Really Need Short Term Car Insurance?

By Noah Zee Short term car insurance is one of those necessary monthly expenses for vehicle owners which can in fact not really be ignored or forsaken. Although we may often question the necessity thereof based upon our impeccable no claim history.Insurance in general is often given a bad rap because we will often pay and pay and never really see any real benefit from all the premium payments given to the insurance companies, however when the day comes that a claim is instituted and the payout is forthcoming is when we truly realize the benefit of short term car insurance or other types of insurance really.There are a few important issues when considering short term car insurance that are applicable during the application phase that require mentioning. These include that the applicant...

Compare Auto Insurance Prices Online To Save Money

By Rajuan L Mcbride In the past, people had to make several phone calls or visit several insurance agents in their office to compare their prices. Today it becomes very easy and you can compare auto insurance prices by using an online tool for 24 hours a day. Whether you use traditional or online procedure, wise comparison is very important. Different auto insurance companies offer different prices for same policy and each company offers different rates for different groups. That's why it is very important to compare car insurance prices correctly.Auto coverage is a contract signed by the insurer and the insured party where the vehicle is insured for a specific sum in exchange for a fixed amount paid, as premium. You have to decide the amount and the duration of insurance at the time...

Escalating Costs For Young Drivers - Could They Be A Danger To Us All?

By David N Williams The cost of getting a licence and insuring a first car just continues to increase. Currently, a typical course of driving lessons costs around £1200, a provisional driving licence £50, booking the driving theory test £50 and the practical driving test £65 on a weekday and £75 on a Saturday.You also need to take into account that the average person takes 2.4 attempts before passing. At the same time, insurance premiums for 17-24 year-olds have increased by around 50% in the last year.The temptation to break the lawFaced with these kinds of expenses, the temptation to drive without a licence or insurance also increases. Not only are drivers who drive without a licence or insurance breaking the law, but the police claim that, statistically, this group is more likely...

Is It Possible To Find Cheap Car Insurance Quotes?

By Paul Townsen Let's face it, car insurance can be expensive, and you may have reached the point where you are tired of paying those high costs. If you like the idea of saving hundreds of dollars each year, you can do it by finding cheap car insurance quotes. Many people don't realize that this is one place where it really pays to take a little time to do the research because you really can find cheap car insurance if you look for it.It used to be that a person found an insurance agent who had a local office and worked with him for all their insurance needs. Since he handled everything, they never worried about things and simply paid the required premiums. The world has changed, and this tradition is beginning to be broken across the country. With the advent of the internet, more companies...

Special Insurance Needed For Classic Cars

By Paul Townsen If you have an older car that may be a classic or an antique automobile, you may not have thought about the need for special car insurance. This is particularly important if you are thinking about buying this type of car. First of all, you need to be sure that it meets the definition of a classic or antique car.According to the Classic Car Club of America, automobiles built between the years of 1925 and 1948 can be deemed classic if they also meet other criteria, such as make and model. Antiques are automobiles that were built prior to the First World War, or before the year 1916. If you own such a rare car, then you are sure to want to insure it properly. Remember to check with a professional so that you are not paying more for insurance than you should be by trying...

Finding Good, Cheap Car Insurance For Young Drivers

By Paul Townsen Rearing children is an expensive proposition, from the original hospital bills, to the cost of diapers, to the costs of sports and dance classes; you know it is going to cost money. This is why you want to be prepared for the higher cost of placing your teenager on your car insurance. You will definitely want to have your teen insured so that they can properly learn how do drive a car, so here are some thoughts on finding cheap car insurance for your young drivers.There are several reasons why it is more expensive to insure a young driver. Because they have a limited amount of experience driving, insurance companies charge you more for the risk they are taking on your child. Statistics show that drivers under the age of 24 are involved in a higher percentage of accidents...

Factors Involved in Auto Insurance Quotes

By Carina A Coronel Many teens are ready to embark on a new adventure in the driving world and often times ill-prepared on the many details associated with car insurance coverages. If they are ready to purchase a new car, they must seek out car insurance companies, coverages, and payments available. They must also know what factors are involved in accurately receiving an auto insurance quote. Those factors consist of the following:1. What kind of car you drive Often times, if you are buying a car you will need to go over the details such as make, model and year with your auto insurance carrier. In doing so, they can provide the most thorough information possible regarding price. Typically speaking, the more the car costs, the more you will pay on your premium. This is due to the fact...

Car Insurance Options In Addition to Requirements

By Paul Townsen If you have ever owned a car and had some type of car insurance, then you probably understand at least a little about the basic kinds of insurance that are required. For instance, liability coverage for damage to vehicles and liability coverage for bodily injury are generally required by law. If you got a loan from a bank or other financial institution in order to purchase the car, then you also were required to have a certain amount of collision and comprehensive insurance as well. Uninsured and underinsured motorist coverage is required by some states in case of inadequate amounts of insurance to help cover those who are injured. However, you may not have known about some of the other options that are available through your auto insurance company.One important type...

How To Go About Finding Cheap Car Insurance For Young Drivers

By Paul Townsen When a person gets ready to begin driving, one of the first things he or she must think about is car insurance. You may have been told that it will be very expensive to get car insurance if you are a first time driver, and while it is true that it will be more expensive for you than it will be for a more experienced driver, you can still find cheap car insurance for first time drivers.If you look at it from the insurance company's point of view, you can understand that they feel like first time drivers are a bigger risk than those who have driven for years, and will charge accordingly. They must protect themselves against the statistics that show that first time drivers are involved in a higher percentage of accidents than those with more experience on the road.However,...

How You Can Get Discounts on Car Insurance

By Paul Townsen Car insurance premiums can be pretty expensive, and you may be ready for a change. If you are ready to shop around for a new rate, then you may also be wondering how you can get discounts on car insurance. Here are some ideas on things you can do to get a lower rate.The first step is to plan to spend some serious time doing online research. The more you are willing to shop around, the more likely you will find car insurance that has been discounted. With the number of insurance companies who are vying for their share of the market, the companies must be competitive and many offer special discounts and low rates, you just have to spend the time to find them. Some websites will help by making comparisons for you, which can really speed up the process.As you begin quote...

Important Points To Look For In A Quality Car Insurance Company

By Paul Townsen Car insurance is something that everyone must have, and cheap car insurance is something that everyone needs. However, we should not choose a company simply because it is cheap at the risk of losing quality. By carefully selecting your company and making sure that the standard deductible is not too high, comparing accessibility, and checking the payout record, you will be able to find cheap car insurance from a high quality company.As you may know, most auto insurance companies utilize a standard deductible as part of their overall coverage packages. $500 is often a starting place for a deductible, although it can vary depending on the company. The deductible is the one area of the quote that you can increase or decrease based on your needs. If you don't have a lot of...

Five Tips For Finding Cheap Car Insurance

By Paul Townsen If you think you may be paying too much for car insurance, you are probably right. You can look online for car insurance quotes, but might wonder how to find the best rates. Following, you will find five great tips for finding cheap car insurance.First, it is important when you are shopping around to provide enough information so that you can get the most accurate quotes. Some of these include the make and model of the car, your marital status, zip code, special safety features your car might have, how many miles you drive each year and your current coverage rates. By providing lots of details, you can get more accurate quotes and will be able to make better comparisons.Next, it is very important to look at more than just a handful of companies. By truly shopping around,...

Why You Need Teenage Car Insurance

By Larmour Tan Today, cars have become one of the primary needs in life, even for teenagers. There are lots of teenagers out there that go to school by car. Unfortunately, due to their lack of maturity, teenagers tend to get involved in car crashes that often lead to death. That said, if you have a teenage child, you may now hesitate to let him drive a car on his own. However, as a matter of fact, this is not the right solution. What you should do instead is to consider signing up your teenage child with a teenage car or motor insurance policy.It is true that with such a protection, there'll be costs you'll have to pay. It is also true that the costs may turn out to be quite high. However, if this is what you are thinking, imagine your beloved teenage child crashing the car while he...

Pros and Cons of Paying Car Insurance Monthly

By Larmour Tan Car insurance, also known as motor insurance, is crucial if you own a car. Without such protection, you will experience huge losses in case something bad - a car crash, for example - takes place. However, when it comes to such protection, you may often be bothered by the costs you may have to pay to keep you protected. Fortunately, insurance companies usually allow you to choose whether you want to pay in advance or monthly with the latter being chosen most of the time. Yet, before making up your mind, it is a wise thing to consider the pros and cons of paying car insurance monthly.Budget ManagementWith monthly payment, the sum of money you have to take out of your pockets each month is lower than the sum of money you have to spend by paying in advance. For most people...

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