Cheap Auto Insurance Quote

By Marietta Rivers

Car insurance coverage, as most of us know, is something we cannot do without. Most states even made it a law for every driver to carry adequate levels of insurance coverage. Anyone who drives without car insurance is not only taking a huge financial risk, but may also end up ruining their driving history for the next three years as well. We know these are tough times, but don't allow your coverage to slide just to save your budget.

There is no reason for you to do that though because even during harder times like these, affordable auto insurance policies are still available. You only have to know how and where to get it. Getting competitive quotes on car insurance policies, from a wide variety of insurance companies, can definitely help you that affordable policy you are looking for.

The Web is the best place to shop for your car insurance coverage today. With the Web, you have access to a wealth of information regarding tips, auto insurance quote offers, policy details and a lot more, helping you not only find cheaper quotes on car insurance, but also enables you to better compare auto insurance quote offerings and hopefully make the best buying decision for yourself. This makes spending long hours with agents or brokers about your rates quite unnecessary.

Another great way to get reduce your overall insurance costs is to know what kind of discounts you're eligible to get. This is definitely one of the quickest and easiest way to minimize your car insurance premiums. Among the most common of these are: Defensive Driving Discounts, Good Student Discounts, Good Driver Discounts, No-Claims Discounts, Low Mileage discounts, and so forth. Before signing-up for a policy, make sure you find out first about all the discount options offered.

So end the year with less money spent on your auto insurance bills, and more money saved back into your pockets. It only takes several minutes of your time to find the most suitably priced policies on the Web.

About the Author:

Getting free Auto Insurance Quote is the first step to long-term savings. Get your free Cheapest Auto Insurance Quote now! Click here for article submission.

Finding The Right Car Insurance

By Tom Martens

It's not impossible for even those in South Africa to find the right car insurance if you understand your cover options and the techniques needed to save on car insurance premiums.

You can choose from three basic types of car insurance cover: Third Party, Third Party Fire and Theft and Comprehensive. Third Party is the minimum cover and pays for damage to other people's property caused by an accident that is your fault. Third Party Fire and Theft adds to the minimum by including cover for damage caused by theft, attempted theft and fire. Comprehensive Cover includes all of this and pays to cover damage to your own vehicle in an accident that is your fault.

Comprehensive Cover is the most expensive, but it provides the most benefits, and is really the type of insurance most South Africans should have to completely cover their risks. Now that you know what you can buy, let's examine ways to get that cover at the best price. Here are ten ways you can reduce your insurance premiums. They may not all work for you, but everyone can find something that will work.

First, shop around and compare quotes. You can find substantial savings just by taking this step to educate yourself about your options. It's easy to do this research online or through a broker. You can also get a discount if you purchase your policy online. Check with individual companies for this option.

Each policy comes with a deductible, which is the amount you have to pay if you file a claim. People save money by selecting a higher deductible. Make sure if you ever file a claim you a sure to pay the deductible.

Safe drivers benefit in the form of lower premiums. Each claim-free year may qualify you for a discount with your current insurer or earn a better rate with another company.

Whenever you are looking at insurance companies always consider the different prices. Higher performance and expensive cars always are a higher cost due to their risk profile and expensive parts. When you are shopping for a car, include the insurance premium in your budget.

Living in high crime areas will increase your rates due to there being a greater possibility of your vehicle being stolen or hijacked. You should greatly consider moving to a better neighborhood, not only to save money on premiums, but for greater personal safety.

You could get a discount if you park your car in a locked garage or behind locked gates overnight. Keeping your vehicle off the street at night reduces the risk that it will be stolen or damaged, therefore reducing your premium.

You can add security devices such as gearlocks or global tracking devices that exceed the minimum requirements and receive a discount.Most insurance companies will have minimum security requirements for the vehicles it insures.

The number of people that are allowed to drive your car will effect your premiums. So when shopping for insurance, it is best to keep the people on the policy as low as possible. The reasoning for this is that the less people that drive the car will make it a lower risk for accidents or things happening.

Do not be timid about bargaining. Several insurance carriers have negotiable rates and will work closely with a potential customer in order to obtain new business.

About the Author:

Tom Martens is the syndication coordinator for Carinsurancesa.co.za. South Arica's leading car insurance portal.

Cheap Car Insurances

By Gordon Therone

You recently got your driver's license. Congratulations! You can no operate your vehicle without having to worry if you are breaking the law or not. But wait, operating your car legally doesn't just end by getting a valid license. You need to secure car insurances for your car. And believe me, buying car insurances can be quite confusing. As a young driver, you need to get as much information as you can get to better help you with your new driver car insurances.

I bet that with your young age, you often ask why you need to get car insurances. You may even be thinking that this is just some form of luxury that it's not needed at all. You are definitely wrong. The law requires each and every driver to have car insurances. So since it's required by the law, you wouldn't want to be caught driving uninsured. Because punishment for such are serious - like paying for huge amount for fines, your driving privileges might be suspended or worst even revoked, or you might even see your vehicle being impounded.

Now, the next bigger question would be - to get or not to get your own car insurance coverage? By this, I mean, whether you'll go on solo for your car insurances or be under your parent's policy and be listed as an additional driver. Since you're still young, it would be more practical to be added under your parent's car insurance policy first. A young driver car insurance premium is usually high so it could help you get better deal if you are under your parent's policy.

Also, since you are a young driver, expect that your car insurance premiums will be higher. You may even be surprised to know on how much car insurance premiums cost for young drivers. To help you get lower your car insurance cost, consider these following:

Driving record: The better your driving record, the better deal you can get for vehicle insurance

Do good in school. Students who have an average 2.0 or better can get a discount from their car insurance rates.

If you are driving an old car, drop collision and/or comprehensive coverage

Go online to shop for vehicle insurance rates.

About the Author:

Get you new driver Car Insurances now. You may also be able to find various Car Insurances for cheaper car insurance rates. Car Insurances. Click here for article submission.

Important things to consider when comparing Auto Insurance Rates

By Guiscard Mathurin

Nothing can get more important than the auto insurance rates, when you think of buying auto insurance plans. And why not! As they are considered to influence how much you would end up paying. Thinking of auto insurance rate is thus considered to be the foremost thought people have.

One of the first thing people do is compare auto insurance rates. Doing so is not a tough activity at all, because all insurance companies have to furnish the auto insurance rates of their plans before hand. Declaring the auto insurance rate of an insurance plan thus gives the correct picture to people as far as their payments for the plan are considered.

You may have faced a situation where your friend could have got an auto insurance plan at A auto insurance rate, and you end up getting the same plan at a different auto insurance rate altogether. Dont be surprised because many underlying factors influence the pricing of an auto insurance plan. Remember, auto insurance rates hinge on how old you are, how good your driving history is and a lot of other factors.

So, what are the factors that influence insurance companies to present their auto insurance rates to people? For starters, your driving history will be taken into count before you get the auto insurance rate from the company. If your driving has been bad all this while, then chances are that you could end up paying a higher auto insurance rate.

Secondly, how old you are, and where you would be driving could also cause an impact on the auto insurance rates. If you are a senior citizen and would be driving on the rush hour roads of the city, the chances of you getting a low auto insurance rate is marginal. Quite surprisingly, you will find that women get insurance plans at a lower auto insurance rate. If you belong to the men folk, there are chances you may feel aggrieved, but you might just have to put up with this fact.

Fishing for auto insurance rates from insurance companies is not a tough ask. All you have to do is log in to the Internet, and within minutes, you will get quotes for auto insurance rates from auto insurance companies. The key though is for you to consider the factors mentioned above.

About the Author:

Save Money by comparing auto insurance online! Save HUGE by getting a lower auto insurance rate. Compare Auto Insurance Rates from local agents - when they compete you win. Get your Free Auto Insurance Quotes Today.

Automobile Insurance Quotes

By Paul Stickers

Are you having difficulty getting automotive insurance quotes? Are you puzzled and don't know what you should do? Well, that's exactly what most of the drivers feel when they just started looking for automobile insurance rates. With so much information being offered to you, I guess it's only normal that you get dazed and puzzled.

Here are essential information that can better help you with your search for automotive insurance quotes.

1.Be aware of the car insurance laws in your area. The auto insurance requirement varies from one state to another. Although, in most cases, every state requires that you have auto insurance to be financially responsible for the accidents you may caused, the car insurance requirements differ among states. It's important that you are aware of the specific car insurance requirements, the limits for those requirements and a lot more. Also, don't forget to know what the punishments are when you are caught driving uninsured. This will help you more to remember that driving without car insurance is illegal.

2.Although in general, your state may only require you to get bodily injury liability policy and property damage liability, this does not mean that you can't have additional coverages. There are a lot of car insurance coverages that you can purchase which are usually called as optional auto insurance coverage. These coverages may give you more protection depending on your needs. For example, if you live in an area where vandalism activity is high, it's best to get comprehensive coverage to protect your vehicle from acts of vandalism.

3.Know your car's value and decide on your deductibles. Lower deductibles mean higher automobile insurance claims. In contrast, higher deductibles mean lower automotive insurance premiums. But before you decide in getting higher deductibles be aware of the consequences you may face if you chose it that way. Remember, if you have higher deductible, that means that if you've made you car insurance claims, whatever is the amount of your deductible is the exact amount that you need to pay right from your own pockets before your automobile insurance coverage kicks in.

About the Author:

Get your cheap Automotive Insurance Quotes now! Visit this page to learn more about how to lower car insurance: Automotive Insurance Quotes Click here to submit article.

Can You Find Cheap Car Insurance After A DUI?

By John Anderson

If you are reading this article, chances are you or someone you know has gotten a DUI or DWI. Now, the question really is, can you afford keeping or finding car insurance? There are many options available to you, but you must be prepared to pay more than before the DUI or DWI.

Searching around online or by calling through your phone book can be trying at best. So, what do you need to look for when searching for car insurance? Just know ahead of time that many car insurance companies might not insure you depending upon your previous driving record.

After a conviction of a DUI or DWI, you will be grouped into a high risk driver category. This is normal, but the cheap car insurance premiums you might have enjoyed are gone. By being classified as a high risk driver, you can expect to pay at least probably 50 percent more than you used to.

People make mistakes during life. It is the lesson that you learn during that mistake that can help or hurt your future. Car insurance is very similar as a DUI or DWI will reflect directly to your insurance rates.

The car insurance premium that you pay after your DUI/DWI will be higher than what you expected. You will be able to eventually lower your premium with no other incidents, but your previous driving history is also a factor. If your previous driving record was great, you might not pay as much. If your previous driving record has claims, speeding tickets or more, your rates will be even higher.

When you have a DUI/DWI conviction, you need to be honest with your insurance company. If you have a claim after a DUI/DWI conviction and have failed to notify the insurance company, expect to be dropped. As soon as you have a conviction on your record, you really should call your agent and explain the situation and see what will happen to your rates and policy coverage.

If you have been dropped by your previous insurance carrier, you will need to be upfront and honest with any company you are checking with about coverage. Car insurance companies can check your driving record and will check with your previous insurer about claims history and records. If you are honest up front, you might be lucky and find a good car insurance company to deal with.

Sometimes your current car insurance company will still continue to insure you after a DUI/DWI conviction. Your rates will be higher, however. This is when you should go ahead and shop around and see if you can find the insurance cheaper elsewhere. Sometimes you can find great deals online and even have car insurance quotes delivered to your email account.

About the Author:

Learn more about finding cheap DWI car insurance and other useful tips to save you money with cheap car insurance after DUI.

Married Folks and Affordable Auto Insurance Rates -- Made For Each Other?

By Chimezirim Odimba

Do you know that your decision to get married will affect your auto insurance policy? It is important for you to understand how marriage affects auto insurance- positively as well as negatively. Permit me to explain how you can use your changed marital status to get a better auto insurance deal.

It is very well known that a married person gets cheaper auto insurance as compared to an unmarried person. This is not the only advantage of being married. You can enjoy great discounts if you utilize your marital status smartly.

If your spouse too owns a car, has it been insured? Why deal with two different insurers for two cars in the same family? Why not deal with a single insurer? This will definitely bring down auto insurance cost.

Not only will your marital status make you eligible for lower premiums but you will get also additional discount for providing extra business to your insurer. You have the option of obtaining additional coverage on your policy to cover both your cars. You can then skip obtaining an additional policy for the second car. If your spouse too owns a car, you can use both cars to distribute miles driven during the term of your policy. Auto insurers calculate risk of accidents by the number of miles driven by the insured. If the insured drives a lot, he or she faces higher risk of accidents.

Sharing cars with your spouse will help you drive fewer miles and reduce chances of accidents. Not only will you save a lot on fuel and maintenance but this will make you eligible for lower premiums as well.

If your spouse owns a car which is deemed to be a 'safe' car by insurers, you can obtain extra discounts on your auto insurance policy.

However, marriage can work to your disadvantage as well if your spouse has a poor driving record. Your auto insurance will become expensive. If your spouse has accidents, driving violations etc on his or her record, combined auto insurance may become very expensive. In such a scenario, you may have to opt for a high deductible or opt for driving courses to bring down your auto insurance premium.

The best way to find an affordable auto insurance policy after your marriage is to extend your search over the World Wide Web. Auto insurers will compete with each other to offer maximum benefits and obtain your business.

These online quotes are available for free. They involve no cost and no obligations. So what are you waiting for? The combination of marriage and online auto insurance is too good to beat.

About the Author:

Learn more here: Really Cheap Auto Insurance and Cheap California Auto Insurance. Chimezirim Odimba is an insurance expert.

Car Insurance Quotes

By Carl Pratts

There are still many people who are not happy with their auto insurances at present. Some did not get the complete coverage that they wanted on their policies.

Most of the people who are not happy with their car insurances are those that are paying expensive premiums.

There are many ways that you can get a better car insurance yet these people are unfortunate enough not to know what are the possible ways to earn discounts for their car insurance quotes.

Get Multiple Quotes

A basic way to get a better car insurance is to get multiple car insurance quotes from multiple insurance companies. The insurance industry has many players so if you think that there is something better than your present quote, you must go look for it.

The fastest way to look for the better quote is to get multiple quotes online. There are hundreds of quotes that could possibly be displayed on the Net and you could always get them anytime you want it.

Getting multiple quotes doesn't have to consume much of your time unlike calling or visiting insurers.

Compare Quotes

After getting a significant number of quotes online, compare them. When comparing quotes, you tend to see what each company offers, which policy is better and which rate is cheaper. There are several insurance comparison websites that allows you to compare your quotes, making it more convenient and easy for you.

Compare your multiple quotes to your present car insurance rate to know if you are getting the right coverage at the right price and see if there is already a need for you to change your insurance company.

Purchase Online

There is no better way to purchase policy without wasting so much time than through the Internet. Most insurers give discount auto insurance to consumers that will buy their policy online. You can also talk with an online insurance agent if you still have further clarifications over your chosen policy.

About the Author:

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Vehicle Insurance Quote

By Vincent Harper

Getting cheap car insurance rates may be impossible for most of the drivers. Oftentimes, we tend to believe that what we are getting is the most economical car insurance deal that we can find and we just have to settle with that. But the truth is, there are a lot of ways that you can do to get low cost car insurance premiums. Although it may be quite confusing at first with the vast information available nowadays for affordable vehicle insurance quotes, the truth is getting cheap car insurance is within our reach.

So to help out new drivers out there who do not know where to start, I've compiled only the important things that you need in order for you to get low vehicle insurance rates:

Shop around for vehicle insurance quotes. The more your shop around the higher your chances are to get cheap car insurance rates. Every car insurance provider uses different guidelines in setting car insurance premiums. With this, shopping for vehicle insurance rates is one of your best avenues to get the rate that you want for your car insurance needs. In fact, it can save you around $50 to even $100! That's so much money! And you can check the Internet to get the car insurance quotes easier, faster, and even free of charge.

Always go for higher amount of deductibles. The deductible means the amount that you need to settle first for your car insurance claims before your own car insurance company pays it part. For instance, if you filed for loss amounting to $1000 and your deductibles amount to $100, you need to pay the $100 first and the rest $900 will be paid by your auto insurance provider after.

Your credit score speaks a lot on how much risk you are. If you are responsible enough to settle your debts in a timely manner, or is a very good payer, chances are your auto insurance company will view this positively. And in return you may be awarded with lower car insurance rates. Car insurance companies believe that a responsible payer is also a responsible driver.

About the Author:

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Female Automotive Insurance Quote

By Vincent Harper

There is one principle that should work in favor of women on the lookout for car insurance. This principle indicates that the safer a person drives, then the higher the chance that the person will have to pay a cheaper premium on vehicle insurance. And the person who drives rough is a higher risk for the insurance company, so, providers charge them with a higher premium.

Since women tend to be cautious drivers, this means they do not expose insurance companies to a lot of financial risks. Auto insurance providers are one in saying that women are considered to be safer drivers compared to the other drivers out there on the road. Because of this, women often find themselves with favorable rates.

Surveys also show that 98 percent of the convictions against dangerous driving are linked to men, and only 2 percent are linked to women. This is the main reason why the female segment is considered as an important segment for many car insurance companies. And if you are in search of your insurance, then it is suggested that you take advantage of this situation.

The person who is looking for automotive insurance quote should learn how to find the appropriate insurance providers. Advertising deals should be checked to get the best deals. But this doesn't mean that you will always get your discounts based on your gender. There are other considerations out there, which can reduce the cost of the premiums.

Gender is just one factor, and you need to be aware of the other considerations that can pull down the cost of the automotive insurance quote premiums. The type of car you drive, your age and the presence of security devices that you have installed on your car can lower the cost of the premium. And if you limit your travel per year then this will also have a say if you will have a cheaper insurance premium.

About the Author:

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Cheapest Auto Insurance

By Denver Zemerick

If you are paying so much on your auto insurance premiums then I say think again. Getting cheap car insurance nowadays is as easy as knowing your ABC's. There are just a lot of ways to get the cheapest auto insurance and here are just 4 simple ways to do it:

Make sure to shop around. When I say shop around I meant shop around for cheap car insurance premiums. One great way of shopping around is using the Internet. A lot of car insurance companies offer different car insurance quotes. The key in getting affordable car insurance is to get several car insurance quotes and from those quotes, compare them and get the best deal that you can get.

Maintain a good credit score. You may be wondering what your credit score got to do with your car insurance premium. The truth is, your credit score tells what kind of a person you are and what kind of a driver you are. If you are able to maintain a good credit score that means you are a responsible payer and makes you a driver that poses lower risk to be insured for auto insurance companies

Set higher amount for your deductibles. Your deductible is inversely proportional to your car insurance premium which means the higher your deductibles the lower your car insurance premiums will be. I myself have considered setting higher deductibles to save on my car insurance. But remember if you choose to get higher deductible that means the amount for your deductible is what you are going to pay first when you make for a claim before your own car insurance coverage comes in.

Get a safe parking place for your vehicle. Auto insurance companies take into consideration on how secured your parking area will be for your vehicle. If you have a place that is safe enough from thefts or vandalism, then you may be able to get cheaper car insurance rates.

About the Author:

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Car Insurance Rate Quotes

By Candy Jameson

If you are thinking of buying another car, think a million times. Aside from the fact that we are experiencing economic crisis right now, buying a new vehicle can also affect your car insurance rates. If you are considering of buying fancy sports car or something to show off to your friends, then I guess you also have to prepare yourself for paying more on your car insurence premiums.

A study conducted by the Highway Loss Data Institute found that the type of vehicle that you drive do affect your car insurence premiums. There are certain cars (like sports car) that demand higher car insurence rates and there those that are not. Remember this golden rule: If your car costs more to repair or poses higher chance for theft activities or auto insurance claims, then you may be paying more for your car insurance premiums. If you wanna get cheap car insurence quotes rates, here are the important things that you need to consider before you buy your car:

If you are thinking of whether buying Buick LeSabre or Chevrolet Corvette and is considering which vehicle has lower chance of being stolen, then your guess is good as mine - Buick LeSabre. Said study listed Buick LeSabre as the car that is least to be stolen while Chevrolet Corvette has an average of theft activity of over 5 times! Meanwhile, if you are torn between Toyota Celica and Toyota Camry, go for Toyota Camry. Toyota Celica has 67% less chance of theft loss as compared to Toyota Camry.

If you are wondering what's the best choice for crash test performance is, said study found 2002 Lexus IS 300 as the one. However, since this is an expensive car, remember this also asks for expensive repairs hence higher car insurance premiums.

The Porsche 911 is found to have 67% less chance for car insurance claims. That's a surprising result I say. In addition, if you are driving a Mitsubishi Lancer, this type of car is found to have almost double rate for injury claim.

About the Author:

For additional information on how to get cheap Car Insurence Quotes premium, visit this website now http://www.carinsurencequotesreview.com/. Click here to submit article.

Auto Insurance -- Save Much; Get Sufficient Coverage

By Chimezirim Odimba

Retirees are offered a special discount by a good number of insurance companies. Retired people don't have to drive to work every day. Driving less means lower mileage which definitely makes you a better risk.

Don't forget that you qualify for this discount if you're retired. So it's a good thing to ask your agent. If for any reason they don't have a discount like this, remember to tell your agent about your change in mileage. Unless the change in your mileage isn't significant, you should shop for another insurer if you don't get a decent discount.

Drive as little as possible it will lower your mileage and get you a low mileage discount. This certainly makes sense if you live in an urban area where you have access to standard mass transit systems.

You can also reduce your mileage by joining a carpool.

Never leave your car unlocked and running while you dash in to get something. This is an open invitation to any thief sniffing around. Every thief checks how easy a target is before making a move. An unlocked car with the engine running? What could be easier?

For no reason should you let your auto insurance policy lapse..It will sentence you to high premiums for a considerable length of time. Don't make this mistake while changing insurers since that's one situation where this happens to many people.

To avoid this, ensure the new policy is fully in in force before you cancel the previous one. As simple as this may seem, many folks are bearing the pain of exorbitant rates because of this silly little oversight.

An easy but rewarding way of bringing down your premium is by authorizing an EFT (Electronic Funds Transfer). This just means your insurer takes your premiums automatically from your account at specified periods without mailing you payment notices. This reduces administrative overheads like those incurred when sending payment notices. Your rate is therefore lowered in line with the cheaper cost of giving you insurance.

Do your best to always drive carefully. It's a smart idea to NOT drive at all if you've taken alcohol (even if it's only a sip.

Traffic offences that have to do with drinking will make you get very high rates. Even little things like speeding tickets eventually add up to make you pay higher rates on the long run. So, if it's breaking traffic laws, avoid it notwithstanding how negligible it may seem at the moment.

There are many anti-theft or theft-deterrent devices like alarm systems, automatic gas cut-off system and so on. The risk of theft is an important factor that goes a long way to determine your rate. And since these reduce such a risk, you'll attract a good discount for them. Thieves prefer unprotected cars.

About the Author:

Get more tips at Safe Auto Insurance and Really Cheap Auto Insurance. Chimezirim Odimba writes on insurance.

Cheap Car Insurance -- Steps To Save More

By Chimezirim Odimba

Is it possible you have a car that you've not used for a long while? Do you have a car that you've just forgotten about because of the headaches it gives you or something? Is this car still on your auto insurance policy or have you removed it?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. Don't make this mistake.

You will enjoy discounts with many insurers if you're part of an auto club. Don't allow the smallness of the discount this may get you deter you from going for it if it makes sense in your situation.

Make sure you do NOT give false details when you complete your forms. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation.

This could make you lose a lot more than what you thought you would save. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

Stay claims-free for more than three years and most insurers will give you a special discount. Remember, this does not mean you might not have any cause to make a claim but that you did not file one. So check what it will cost you to fix the problem and what you'll gain with a No Claims discount and choose whichever will serve your best interest.

Another option for you is to use your parents' car insurance policy. The fact that you are of driving age means that your parents belong to a better risk age bracket.

There are two things you must do for this to be possible: The vehicle must be registered in your parents' name and you must live with them. If you don't like the idea of handing the car's ownership to them and other stuff that may come with it, then you'll have to forego this option.

And...

The most important key to considerable savings in auto insurance is comparison shopping -- That's if you do it correctly. You can get quotes that will have a range in excess of $1,000. You could quickly save that much by simply choosing the lowest quote. This should apply if you're just after the lowest price.

However, if you're looking for the best value to price ratio then you'd have to check the details of the cheapest offers. Different insurers may have adjustments for similar policies. It's a good idea to ask the agent what's included and what's excluded.

About the Author:

Learn more at Low Cost Auto Insurance and Discount Auto Insurance. Chimezirim Odimba is a financial expert.

Car Insurance Rate -- Tips To Get Cheap

By Chimezirim Odimba

Paying your premium once a year will get you lower rates than opting for monthly payments. True, monthly payments might be stressless but it is also less affordable.

If you do transactions with banks you'll agree with me that each check you process is considered transaction which attracts a certain charge. In a year, your monthly checks would be processed differently because they are all separate transactions. This implies that you'll pay transaction fees twelve times..

There are also administrative costs to your insurer that result just from taking monthly payments. For instantce, it costs insurers millions of dollars annually to send out payment notices..

These costs plus a profit margin for this feature is added to your rates making it more than the same profile that pays yearly every year.

Insurers give give customers who have remained loyal a long term discount and accident forgiveness. Most insurers will give you a discount of about 5% if you stay with them for up to five years (some will give you once you stay for up to three.

Most insurers will also not raise the rates of a long standing policy holder if they make only just one claim. It makes sense for the insurer as it is cheaper to give discounts to existing policy holders than to acquire new ones.

However, what you may save by switching to another insurer might far outweigh all the incentives you'll get depending on what your rates are and how much another insurer is ready to offer.

"Pimping your ride" does NOT help if you want lower rates. If you want to impress your friends with those extra special features like bigger types than the manufacturer's specification, then be prepared to pay a lot more. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.

Young drivers are statistically very bad risks. More so, the younger an under-25 driver, the more they'd have to pay. That is why teenagers pay a lot more than 22-year olds.

This means that you'll help keep your rates down if you do NOT have a teen driver on your policy. It will have an adverse effect on your rate. Your teen driver should have his/her own policy. This will be made possible if you sign an exclusion form.

Let your teen bear the responsibility of paying for their auto insurance. An addition argument in favor of this is that your teen will be more willing to take measures to reduce what he or she pays. Your teen will also be safer as the steps that will bring down his/her rates will make her a more responsible behind wheels.

Add-ons like towing raise your premium without giving you as much value as using a towing service. By the way, your credit card might already offer this as a benefit so check.

Overall, you're better off using a third pary towing service than placing it on your auto insurance policy.

And...

You can save more by visiting not less than 5 quotes sites. That way, you will increase your chances of getting the lowest quotes possible since five sites will present up to 25 quotes altogether.

About the Author:

Learn more at Safe Auto Insurance and Cheap California Auto Insurance. Chimezirim Odimba writes on financial matters.

Auto Insurance -- Ways To Get It Cheap

By Chimezirim Odimba

The longer you stick with the same insurer the more you stand to gain for two reasons: The long term discount and accident forgiveness. Depending on the insurer, you'll be eligible for a discount of 5% once you've stayed with them for between three and five years.

The accident forgiveness discount means that your insurer will not raise your rates if you file just one claim. It makes sense for the insurer as it is cheaper to give discounts to existing policy holders than to acquire new ones.

However, what you may save by switching to another insurer might far outweigh all the incentives you'll get depending on what your rates are and how much another insurer is ready to offer.

Make sure your car is always parked in a safe place. This means that you have to do all within your power to NOT park your car in a red light district. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

And, lest I forget, if you drive out in the night do your best to have your car parked in a well-lit area. That will deter thieves.

Have you checked with the associations you belong to if they have discounts from any insurer? Insurers give these associations group discounts in the hope that they will in that one move attract many of their members to buy an auto insurance policy with them. Even though you may not necessarily join an association because you want a group auto insurance discount, it makes sense to take advantage of it if it's offered to any association you already belong to.

Do your best to always drive carefully. Please, make sure you make it a policy not to drive if you even sip any alcoholic beverage.

Driving with more than the allowed level of alcohol in your blood stream will make you pay exorbitant rates if you're fortunate or be compelled to be without auto insurance if luck isn't on your side. And don't overlook little things like speeding tickets because they cost you a lot more than the fine you pay. They eventually raise your rate. You'll do yourself a world of good by obeying all traffic laws always.

It's a smart idea to use the public mass transit whenever you can (Unless where you live has none). This will drive down your mileage. As you may already know, if your mileage drops, your rates too will drop. Therefore, don't use your car whenever it makes sense to do so.

And...

The most important key to massive savings in auto insurance is comparison shopping -- That's if you do it right. You can get quotes that will have a range that exceeds $1,000. You could quickly save that much by simply going with the lowest quote. That should apply if you're simply after the lowest price.

Howbeit, if you're looking for the best value to price ratio then you would have to check the details of the cheapest quotes. Different insurers may have different exclusions for similar policies. It's a good idea to ask the agent what's included and what's excluded.

About the Author:

Get more tips here: Really Cheap Auto Insurance and Cheap California Auto Insurance. Chimezirim Odimba helps people get adequate insurance coverage for less.

Car Insurance

By Tom Martens

From the urban to the off-road, drivers can find suitable insurance coverage to meet their specific needs. Car insurers are constantly designing products for South Africa's unique driving environments.

Most South Africans should have Comprehensive Cover. In reality, 65 percent of auto owners in South Africa do not have any coverage. This is a shocking number especially in light of the rising rates of fatalities and injuries on South Africa's roads. If you don't have insurance, take stock of your situation. Can you afford to repair or replace your car in the event of an accident? Can you afford to repair or replace someone else's car or property in the event of an accident that is your fault? What if your car is stolen, hijacked or vandalized? Owning and driving a car is risky business - that's why you need car insurance.

Third Party Fire and Theft Cover are other options available, which will pay to repair or replace your vehicle if it is damaged or destroyed by fire or attempts to steal it. Third Party Only will cover you if an accident that is your fault damages other people's property.

South Africa is home to a large motorcycle community, so it follows that insurers offer products designed especially for these drivers. Motorcycle cover provides the peace of mind that your motorcycle will be covered if it is stolen or damaged or if you damage someone else's property in a motorcycle accident.

Because the great outdoors is such a large part of South African living, several products have been developed for the risks associated with outdoor travel. For off-road enthusiasts, there is Off-Road Comprehensive cover designed to cover the risks in this unique and unpredictable driving environment.

Several factors drive these rates, and you have a certain amount of control on how they affect your premium. If you're considering car insurance for the fist time, you may be surprised by how expensive premiums can be .

Younger drivers are considered a higher risk, and therefore pay higher premiums. If you have no driving history, or if your history includes accidents or dangerous driving habits, your premiums will be higher. But, as you age and build a better driving history, your premiums will reflect the lower risk.The first factor, one you can't really do anything about, is your age and driving record. Fortunately, the passage of time has a great effect on this factor.

Another thing to consider is the price of your vehicle. high priced auto cost more to insure as well as high performance vehicles.

Some companies have minimum safety requirements, but will discount your premiums if you exceed these minimums. Also consider where you keep your vehicle. If your car is parked in a high-crime area or even on the street overnight, you'll pay for that risk.Another way to reduce your premiums is to increase your safety measures.

As you shop, remember that the cheapest insurance is not always the best. Make sure the policy you choose meets your needs at a price you can afford.Take the time to research the different types of insurance and how they apply to your situation.

About the Author:

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica's leading car insurance portal.

Affordable Car Insurance Rate -- Steps To Get It

By Chimezirim Odimba

Become part of a car pool if it makes sense in your situation and you'll be eligible for a discount. The clear argument for this is that it reduces your mileage. Anything that brings down your mileage automatically affects your car insurance premium.

Under-25 drivers are give very expensive rates. However, one step you can take to enjoy lower rates if you are part of this age range is maintain good grades.

The good student discount is for students who get A's or not less than B's. This will slash off up to five percent from your rate if you make yourself eligible. Reckless under-25 drivers are very unlikely to keep getting excellent grades.

Drive carefully if you're really serious about attracting affordable car insurance rates. Please, ensure that you make it a policy to NOT drive if you even sip any alcoholic beverage.

Traffic offences that are associated to drinking invariably make you get very high rates. Even little things like speeding tickets eventually add up to make you pay higher rates over time. You'll do yourself a world of good by obeying all traffic laws always.

Having more than one policy with the same company as well attracts remarkable savings. All you need to do to become eligible is to purchase your auto insurance policy from the same insurer that is underwriting, say, your home owners' insurance.

However, I must clarify that you may not be making as much savings as you could by switching. It's worthwhile that you do extensive comparison shopping. By doing this you'll be able to determine if this will be bring more benefits.

You'll get a more affordable rate if you select high deductibles. The right approach is to go for the highest deductible that you can afford with relative ease.

Just bear in mind that this is the amount you'll have to contribute if you file a claim. So make very high but keep it within easy reach.

Finally...

You can get savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from quote sites. The best strategy is to visit a minimum of five quotes sites and ensuring that you input the same (correct) details.

I recommend that you visit not less than five quotes sites as that will make it less likely that you'll miss out offers not presented by the other sites. This offers you a broader basis for doing more extensive comparisons thereby increasing your chances of realizing more savings.

About the Author:

To learn more go to Safe Auto Insurance and Cheap California Auto Insurance. Chimezirim Odimba helps people save on insurance.

Discount Auto Insurance - Is It Worth The Risk

By Joseph Welusz

Today's household budgets are strained by many factors. Rising costs for food, clothing and gasoline cause the household budget to appear to shrink as each day goes past. The consumer is constantly looking for fresh methods to stretch their budget without going without necessities. One attractive area to save money in the annual household budget appears to be insurance costs. Advertisements on television make the availability of discount auto insurance a method of saving. The question is, is discount auto insurance obtained on line worth the monetary savings?

Liability, Collision and Comprehensive are the three fundamental types of auto insurance. If the consumer used a loan to acquire the vehicle, then the holder of the loan will require that all three cover the vehicle. This is what is known as full coverage. Liability covers any damage done by the vehicle. Collision covers any damage done to the vehicle by another vehicle. Comprehensive covers damage done by fire or theft of the vehicle. In the United States, most states require that liability coverage be obtained in order to register the vehicle. If the vehicle is owned without lien, the owner of the vehicle may choose to have only liability coverage. This however may cause the owner of the vehicle to shoulder the entire cost of repairing the vehicle when it is involved in an accident. In addition to the three fundamental types of coverage additional coverage may be obtained from most insurance companies at a greater premium paid.

The traditional method of purchasing auto insurance was either through a local agent or broker. The difference between an agent and a broker is that the agent works directly for a specific insurance company. A broker can represent several companies in the coverage that they offer. These agents and brokers are paid by the insurance companies for the policies that they write and renew. In many cases discounts can be obtained from these agents and brokers for combining policies with a specific company. An example of this is the combination of insurance for the home and for the auto. The agent or broker works to develop the best policy for the individual. A relationship is formed which insures that the insurance company will pay the agent or broker when the policy is renewed with the agent or broker.

If a consumer was interested in changing coverage or agents, the process was often long and involved. Multiple phone calls had to be made to various agencies and repetitive answers had to be provided. This time consuming and often frustrating process dissuaded many from changing companies and or agents. It was often difficult for the consumer to compare policies and to insure that the "fine print" on all of the policies was the same.

The growth of the Internet in the late 20th century provided insurance companies a medium to both attract new business and reduce costs. The insurance companies provided a vehicle by which the consumer could get quotes on line. This provided a greater market base for the insurance companies and allowed the insurance companies to offer discount auto insurance rates. This reduction in rates often reflected the cost savings of not having to pay commissions to agents or brokers. Another factor in the discount auto insurance rate was that the insurer could have a larger base of people from which to collect premiums, which allowed lower rates to be offered.

All auto insurance policies are not created equally. Many policies while appearing to offer comparable coverage may in fact have exclusions written into them. It is up to the consumer to, when purchasing discount auto insurance, on line carefully evaluate the policies and check for any exclusions in the policies. This can be a difficult task for the consumer who is not well versed in auto insurance.

When purchasing discount auto insurance, there are several factors that the consumer must be aware of. The first and foremost is that auto insurance is the same as any other product purchased. There are few people who will choose the lowest priced product, no matter what the product is. A recognized brand name often means a great deal when a product is purchased. If given the choice of a Sony plasma television and an ABC plasma television, many will choose the Sony at a greater cost over the ABC. This brand name acceptance often reflects the quality of product even if the cost is higher. Large nationally recognized auto insurance companies often have higher rates simply because they provide better more efficient customer service. If a claim is made to a smaller less efficient auto insurance company the claim may not be settled without extensive correspondence with that company.

Costs are constantly rising often outpacing gains in income. Discount auto insurance is available from many suppliers. When purchasing any discount auto insurance without the aid and assistance of an insurance professional it is required that the consumer carefully evaluate both the policy and the company that is issuing the policy. If the company that is issuing the discount auto insurance is not familiar to the consumer it is recommended that the consumer contact the Better Business Bureau to familiarize themselves with that company. Should the consumer doubt their ability to determine which policy and or company is the right one for them, an insurance professional should be consulted. In many cases the insurance professional can offer comparable rates to the discount auto insurance available on line, which insures that the consumer gets the best coverage for their money.

About the Author:

If you liked this article you might like Joe's website where you can get more Discount Auto Insurance tips to help you save money when it's time to get Free Insurance Quotes. By following either link back to Joe's site you will save money on your auto insurance by comparing multiple insurance quotes from local agents and national companies

What is Pay as You Drive Insurance

By Tom Martens

Pay As You Drive insurance rates are based on the number of miles you drive. Simply put, the less you drive, the less you pay for auto insurance. Pay As You Drive ties the vehicle owner?s insurance premiums to how much the driver uses the vehicle. The premiums can be specifically tailored to meet a driver?s needs.

Pay As You Drive insurance premiums can be in determined in several ways: within a specific range of miles, by number of miles actually driven in a given time period, or by the number of hours driven in a given time period. Premiums for Pay As You Drive insurance can also be based on just the mileage without a fixed time period.

Since driving distance or driving time sets your insurance rates, your driving has to be monitored. You can get periodic certified odometer readings, or your automobile may be fitted with GPS monitors that upload the vehicle's computer data.

Mileage monitoring raises some concerns for those considering Pay As You Drive insurance. There are concerns that the devices used to monitor mileage will be used to track when or where a person drives, violating the driver?s privacy. However, that is not something a driver interested in Pay As You Drive insurance should worry about because the monitoring devices focus just on the number of miles driven and nothing else. Privacy concerns are not an issue with Pay As You Drive insurance.

You can benefit several different ways by switching to Pay As You Drive coverage. Your insurance premiums will be based just on your miles driven, not on your age, gender, or where you live. Pay As You Drive gives you a real incentive to drive less. And when you drive fewer miles, not only do you pay less for your insurance, you save on gas and maintenance and the wear and tear on your car. Pay As You Drive plans are good for the environment, because fewer miles driven means less greenhouse gas emissions, and less congestion on the road.

In addition, low mileage drivers will no longer subsidize high mileage drivers under the Pay As You Drive insurance system. Under a traditional insurance system, drivers pay the same amount for insurance premiums if they drive a few hundred miles a year or if they drive several thousand. Pay As You Drive is a more fair and equitable way of determining insurance premiums. You really do pay for what you use under this system.

The Brookings Institute found that two-thirds of American household would save under Pay As You Drive, an average of $22.50 a month, or $270 a year. The high-mileage drivers, of course, would not.

If you are interested in learning more about Pay As You Drive insurance, or to see if it is available in your area, contact a qualified insurance provider. He or she can help you tailor a Pay As You Drive insurance program to fit your specific needs.

About the Author:

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.

Low Cost Car Insurance

By Candy Jameson

Looking for low cost car insurance? You can literally find hundreds of it over the Internet. But is it advisable to purchase right away an insurance policy online just because it is cheap? It actually depends because a cheap insurance coverage may not typically be the best insurance policy for you.

It is therefore necessary to have a basic knowledge on all, if not at least most, of the aspects that deal with cheap auto insurance. In understanding the basics of insurance market, you can actually be very critical with your decisions prior to purchasing a policy coverage as to not be regretful in the end. Since insurance rates may vary from one state to another and among different insurance companies, you need to know the rules regulating these auto insurance industries and identify factors that have an impact on rates. So in order for you to find that low cost auto insurance, here are some factors that could help you get a low cost car insurance premium.

Shop Around

Insurance rates could be significantly different among different insurers. Each insurer has its way of classifying you and your car to a specific rate of insurance premium. What one company consider as a high risk factor might be considered as low to the other company.

You may opt to shop for quotes via the Internet. You only have to answer their questionnaire online and they can immediately classify you as to what rate you belong based on the information that you have given to them.

Buy a lower group car

Your type of vehicle can also affect your insurance premium. Definitely, high priced cars have expensive insurance premiums due to the fact that they have high cost of insurance claims. Choose a car from a lower group if want to have a cheaper auto insurance. These cars have low maintenance and are fuel-efficient thus you are able to save more.

About the Author:

I never fail to compare Low Cost Car Insurance quotes to get the right coverage for me and my wallet. Go to: http://www.lowcostxyzcarinsurance.com/ to get the best insurance deal for you! Click here to submit article.

Discovering Discount Auto Insurance Is Simple

By Joseph Welusz

There are many different types of discount auto insurance. Some discounts are known by almost everyone but there are some additional discounts that may apply to you that are not widely known. Individuals that have clean driving record for the past 3 to 5 years in which they have not been in an accident or received a ticket receive discounts. If you have multiple policies with the same company or have insured more then one car with that company then you will normally get additional discounts.

There are other tips and tricks that can get you even more discounts that many individuals may not be aware of. The type of college degree you have can lower your car insurance as it was found that individuals with a bachelor's degree in engineering have fewer risks then other individuals. 21st century group offers additional discounts on your auto insurance if you have a degree in mechanical engineering, mathematics, biochemistry and other engineering and scientific fields. Scientists and engineers with no accidents or tickets can save 10 to 30 percent from the base rate.

Other industries are associated with lower risks and this includes teachers and farmers. Horace Mann, Ohio Casualty, 21st century and Esurance all offer discounted rates for educators. You should check with your company if you are an educator as you may be entitled to an additional discount on you auto insurance. Some insurance companies may only give discounts if you are a college professor or certified in a specific state, but it is worth a shot to check.

Geico offers a special military auto insurance discount for active and non-active members. A military member can save between 2 to 15 percents through Geico. Geico offers a special discount if you have a stored vehicle and are receiving hostile-fire pay. They also will drop your coverage to the minimum if you are sent over seas and put your vehicle in storage. Geico is very proud of supporting the military.

If you are a member of AARP then you can get additional discounts through Hartford AARP Auto Insurance Program. They offer the standard discounts on multi-vehicle and multi-polices but also have discounts if you have been a customer for many years with them. In essence the longer you do business with AARP the more discounts you receive.

It is also possible to get a 10% discount from MetLife is they complete an online course from the National Safety Council. The courses offered can all be taken online or you can order the course in a kit. All of the courses are based on the NSC's defensive driving course. Participating in a defensive driving course is a great way tot drop points from your insurance, particularly if you have received many tickets or been in an accident.

It will take some additional research to determine if any of these additional discounts apply to you. You should have all of your questions if front of you and then speak with an insurance agent, as the online quotes will not include this additional information. By taking the extra time and thoroughly researching each company you may be able to lower your insurance premium quite significantly.

About the Author:

If you liked this article you might like Joe's site QuoteMatcher.com where you find Discount Auto Insurance tips to help you save cash when it's time to get Free Insurance Quotes. By following either link back to Joe's site you'll save cash on your car insurance by comparing multiple insurance quotes from local agents and large companies.

Quotes On Car Insurance

By Carl Pontti

If you are shopping for car insurance, you naturally want to get the cheapest car insurance policy. Given these hard times, car owners are looking hard at cheap car insurance companies to be able to cut down on their costs. The best way of getting the cheapest car insurance is to compare quotes on car insurance. You can do your shopping for quotes on car insurance on the Internet. You can also contact a licensed car insurance broker for cheap quotes on car insurance.

Shopping for car insurance entails patience and diligence. You have to be persistent in shopping for cheap car insurance so you will be able to cut on your car insurance costs. You have to get request for multiple car insurance quotes for you to get an idea on how low car insurance policies can get in the market. This way, you have a better chance of scoring a cheap car insurance for your vehicle.

You can request for a cheap car insurance in the Internet. There are tons of cheap car insurance websites which can help you get an idea on the prevailing prices of car insurance in the market. You simply have to fill out a form and within minutes, you can get your car insurance quote. What's more, there are car insurance comparison websites that allow you to compare multiple car insurance quotes. Within minutes, you can determine which car insurer gives the lowest car insurance quote for your vehicle by browsing this type of website.

You may also approach an experienced car insurance broker. A good car insurance broker is affiliated with numerous car insurance agencies. He or she can give you quotes on car insurance.

A good car insurance broker can also give you tips on how you can further lower your car insurance costs.

About the Author:

You can find cheap Quotes On Car Insurance in the Internet. You might want to check out this website http://www.quotesoncarinsurancereview.com/ Click here for article submissions.

Short Term Car Insurance

By Tom Martens

If you are researching short-term car insurance, you'll be sure to find out that prices are high, and could continue to rise. South Africa is a high risk environment for insurers. Knowing why and what you can do lower these costs for your situation is important in helping you make the right decisions.

Industry experts cannot ignore that South African roads are increasingly dangerous. The country is often a leader in traffic injuries and fatalities. The privilege of driving is constantly being extended, even to those who are not qualified drivers.First, let's examine what is driving the costs. Car insurance risk is the major culprit behind higher short-term insurance premiums.

Younger drivers have always been viewed as a higher risk. Drivers aged 18-30 historically pay the highest rates.As carmakers continue to upgrade their offerings, prices reflect those gadgets, leather seats, on-board computers and more. As car prices go up, so must the cost to insure them.

Insurers should consider that car theft and hijackings when they calculate their premiums. Statistics show a decline in thefts while hijackings continue to rise. In the homeowners insurance market the main factor is fraud. Some estimate that 6%-10% of short term insurance claims are fraudulent, that amounts to more than $2 billion yearly.

Even though you have no control over the number of fraudulent claims, you can keep their effects from impacting your premiums. Try making the offer to your insurer to submit to a polygraph test each time you submit a claim. Many will offer a substantial savings on your premium in return for your honesty. Now, how can you overcome these factors for your own personal situation?

For car insurance, start by increasing you excess as this can lower your premium. Take this into consideration as you gather quotes. Also, be sure you can afford to pay the excess amount you choose in the event of a claim.

Keep a clean driving record. The fewer claims you have, the less risk you represent. If you already have a sketchy driving history, research driving courses offered by automobile manufacturers and the Automobile Association. This can help offset a negative history. This is also an option for good drivers. Most insurers will consider reducing your premiums if you attend and pass one of these recognized courses.

It certainloy never hurts to install security devices. Not only will your rates be reduced, but your belongings will be secured. Devices that discourage car jacking, along with a global tracking system are wise choices to that end. If you can afford to do so, move out of neighborhoods known for elevated crime levels. Your car and homeowners insurance rates will decrease significantly.

You should look around for the best rates, but don't just go for the cheapest. Make sure the policy you choose is adequate as well as affordable.

About the Author:

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica's leading car insurance portal.

What Is Liability And Collision Car Insurance?

By Amy Nutt

As the population increases, more cars are filling the highways. With so many vehicles on the road, chances of car crashes have significantly increased. Even if you think you are a good driver, car insurance is vital for every car owner. Car insurance is required by law in all states and protects you if an accident occurs. Without insurance, you risk having to pay enormous costs in the event of a car crash. Liability Insurance and Collision Insurance are two important types of car insurance that everyone should understand.

Liability Insurance

The laws in most states require a car owner have at least liability insurance on any vehicle they drive. Liability pays for damages resulting from an accident where you have been deemed responsible.

Liability insurance is divided into two categories:

Bodily injury liability covers the policyholder or another covered policyholder if someone else is injured during a car accident. Bodily injury covers loss of wages, medical bills, rehabilitation expenses, pain and suffering, and other expenses associated with the accident. Property damage liability covers the policyholder or another covered policyholder if they damage someones car or property during a car accident. If you crash into someones property such as a house or fence, liability insurance will pay for repairs. State laws usually mandate minimum amounts, but higher amounts are recommended.

If you are in an accident where you are not necessarily at fault and the other driver does not have liability car insurance, you are protected by insurance known as uninsured motorist coverage.

It is suggested that you acquire at least $500,000 or $1,000,000 liability. You will rest easy knowing that you will be covered for all damages

Collision Insurance

Collision insurance is the insurance which pays for damages to your car if you are in an accident and you are deemed responsible. Your insurance policy will pay for costs up to the fair market value of your vehicle. You are covered in such instances as when your car hits another vehicle, when your car hits property such as a lamp post, and if your car hits a parked vehicle.

Advantages of having car insurance include:

If you car is leased or financed, the lender may mandate that you have collision insurance If you have a new car, collision coverage will pay for any repairs or replacements you need

Collision coverage is optional and deductibles vary from $250, $500, and $1000. If you have an old car that is not in great shape, coverage will only pay for the cash value of the car. Collision coverage is not required by law. However, if you are involved in a collision, you will be responsible for fixing any damage or replacing your car.

The amount you pay for car insurance depends on the make and model of your car, your driving record, your age, gender, marital status, and where you reside. When you decide to purchase car insurance make sure you compare quotes from at least three insurance companies. Ask insurers how much liability and collision insurance needs to be purchased to meet your individual or business needs. Check the terms and conditions to make sure they meet state regulations.

When you drive a car, you are carrying a tremendous amount of responsibility. You never know when an accident may happen. You may think you are a great driver, but that does not mean that all of the others on the road are great drivers. It is important to protect yourself in case of an accident. Without car insurance, you may end up in a financially devastating situation that will stay with you for many years.

About the Author:

Auto club offering roadside assistance to its members. Buy your next travel insurance from us.

Best Auto Insurance Quote

By Harold Chaps

Looking for the best car insurance quote? You just have it right here!

What are you waiting for? Read on these important tips, be sure to know them by heart and follow them to get the best car insurance quote you are dreaming of:

1. Do shop around for auto insurance. I believe that at present, this is you best weapon in getting the best car insurance quote in your area. You can opt to call auto insurance providers one by one and get their auto insurance rates. Or you can also choose the easier way through the Internet. I'm always an Internet-shopper advocate. For one, using the Internet gives you a lot of advantages - easier access to car insurance providers, absoulutely no charge quotes, can be done anytime you preferred to, and wherever you are. By now I'm sure you know that vehicle insurance providers have different rating system that they use in setting auto insurance rates. With that, it's only expected that car insurance rates vary among vehicle insurance providers. So, the best avenue to find out whether the car insurance you have right now is a competitive deal, shopping around is your option. Get as much as quotes that you can get and pick the best car insurance quote that you can find.

2. Drop unnecessary coverage that you do not need. Make sure to know the market value of your vehicle. In general, auto insurance companies will only pay the claims that are equivalent to the vehicle's actual cash value. So if you're paying for comprehensive and collision coverage for an old car, you may only end up paying more for these coverages as compared to the actual cash value of your vehicle. To know whether you need comprehensive and collision coverage or not remember this - if the premium for these auto insurance coverages is equivalent to 10% of your car's value, then by all means, drop these coverages. They are not worth keeping for.

3. Set higher amount for deductibles. According to Insurance Information Institute, a driver increasing his deductible from $200 and settling for $500 could save more on his collision and comprehensive premiums and that would be around 15% - 30%.

About the Author:

Do not waste you time paying for more, get the Best Car Insurance Quote!. You can start saving here. Visit this page Best Car Insurance Quote Click here to submit article.

Using Cell Phones While Driving Increases Car Insurance Rates

By Amy Nutt

Cell phones are the omnipresent electronic devices of this era, and multi-tasking is the byword of this generation. So, it is quite natural to see many people jovially chatting over the mobile phone or thumbing down instant jokes while negotiating the traffic on busy highways. It is a habit that spreads like the bushfire does in Australia. And in the long run, it is as deadly as well.

Studies have proved that drivers who use cell phones while driving are more prone to cause accidents. Many researchers have equated driving while using mobile phones (or is it the other way around?) to drunken driving. They say that in both cases, a person does not have enough focus and mental capacity to carry out a potentially dangerous activity like driving. If you also have this habit, do not shrug and dismiss this article as nonsense. There are many gains - both for you and for others - if you do away with this habit.

The Advantages Of Stopping Cell Phone Use While Driving

The primary advantage is that you are keeping a safe distance from accidents. It has been estimated through various studies that a person using cell phone is four times more likely to meet with an accident. The reasons for this are not hard to understand. One cannot focus fully on the road and the other vehicles, if one keeps on chatting on phone simultaneously while driving. Thumping, or writing text messages on the cell phone, is a doubly dangerous activity. It requires the driver to control the vehicle with one hand and half a mind.

Well, let us drive past the usual negative thoughts on the same subject, such as accidents can happen to anybody and other similar gospels. Just for the record, there are a number of people who have been driving without causing any major accident.

The second, and perhaps a more tangible, benefit is the reduced car insurance Canada premium. In many states in the USA, using cell phone while driving is a traffic offense that can get you a penalty ticket. The more the number of tickets you attract against your name, the higher will be the insurance premium. In these troubled times of economic recession, insurance companies are eagerly waiting for something to increase the insurance premium. They can easily track the tickets against your name, even if you got those in faraway locations.

The rules regarding this are not consistent across the country. Different states have different sets of rules. At present, seven states have banned talking through a handheld device and texting while driving for general public. But more states - 17, to be precise - have banned the use of mobile handset device for beginner drivers. Several states allow the person to use hands-free device for talking through the cell phone while driving. But it is strongly reminded that driving does not lend itself to multitasking.

Young drivers should be more conscious about the financial burden, if not the social troubles, that can be resulted from their cell-phone-induced driving. The rules regarding cell phone use are more stringent for the new drivers and the increase in the tax premium is steeper. The bottom line is that using cell phones while driving not only increases your phone bills, but raises your car insurance premium as well.

About the Author:

Provides complete home and car insurance solutions and offers a 30 day money back guarantee to new clients. Get an accurate no obligation car insurance quote online. See why using cell phones while driving increases car insurance rates

Save On Your Monthly Car Insurance

By Jim Potenski

If you are thinking of getting your car insurance policy from another auto insurance company because you are being charged so much with your current provider, pause for a while and read on. You may find these things helpful as it can help you stay with your current car insurance company and pay less that what you are paying right now.

Check you phone book and get your auto insurance company's number. But before you call them make sure that you are indeed prepare to negotiate. What you are about to do is to tell your current car insurance company that there is an offer from another car insurance company that promises lower car insurance rates for you. And by taking that offer you will save tons of money. However, I would not recommend that you make up stories. Make sure that you have indeed checked the websites and got online car insurance quotes. From those online quotes that you got, I bet you can find another company that will give you lower car insurance premiums. Use that information and bargain with your current insurer. And I bet they don't wanna lose you as a customer so what your current insurance provider will do (in most cases), is that they will offer you better deal.

Have safety feature devices installed in your vehicle. You may think that these devices will only give you more protection from accidents but these devices can also give you protection from high cost monthly car insurance premiums. Yes, that's correct! Once you have installed those devices, inform your auto insurance company about the changes, and you may just see some changes on your car insurance premiums.

Just be honest. Call you car insurance company, inform them of your situation - that you are indeed of lower car insurance rates. Pretty simple right? But with the economical problems that we have right now, your current car insurance company understand where you are coming from. And they will do their best to save every customer that they can save by offering them better deal.

About the Author:

Check out this website that I found that helped me get affordable Monthly Car Insurance: http://www.monthlycarinsurancereview.com/. Click here to submit article.

Cheap Vehicle Insurance Quotes

By Franz Brezick

Car owners think that getting vehicle insurance quotes is not vital in shopping for affordable car insurance. On the contrary, getting and comparing vehicle insurance quotes is very important since you maybe at risk of purchasing a vehicle insurance policy that is twice more expensive than other similar car insurance policies. Getting a minimum of three insurance quotes is recommended in shopping for cheap car insurance, and you can do this by browsing the Internet.

Car owners think that a particular cheap car insurance is good enough for their budget. What they don't realize is that there may be a cheaper car insurance out in the market. In the end, they wind up purchasing car insurance that may be twice as more expensive than the lowest car insurance policy the market has to offer. Car owners will surely regret their failure to shop and compare vehicle insurance quotes.

Experts agree that it is advisable to shop for at least three vehicle insurance quotes. You can get an idea on the range of prices of a particular car insurance policy by getting at least three vehicle insurance quotes. Even better, you should visit at least three vehicle insurance comparison websites to verify the quotes you are comparing. This should enhance your chances of getting the most affordable car insurance.

The best thing is that you can get multiple quotes at the comfort of your own home. All you need to do is open your computer and visit these websites.

Speaking of websites, there are tons of car insurance comparison websites in the Internet today. These websites allow car owners to compare vehicle insurance quotes without spending a lot of time and money. Convenience is a major reason why car owners prefer to compare vehicle insurance quotes by browsing car insurance comparison websites.

About the Author:

I was able to save a lot of my car insurance by comparing Vehicle Insurance Quotes. . You can also compare vehicle insurance quotes here: http://www.vehicleinsurancequotesreview.com Click here to submit article.

Car Insurance Quote

By Jean J. Tusi

Do you know that shopping for vehicle insurance quote online can save you a lot of money? I'm sure you've read so much about it, but if you still haven't tried this yet, then I would say you're surely losing a lot of money instead of saving it. Consider this fact, car insurance premiums for 6-month coverage between two different car insurance providers differ a lot. Now, if you only opt to get vehicle insurance quote from numerous carriers, you could have saved so much on your car insurance premiums by now. Read on to find more what you should do whenever you shop for your vehicle insurance quote online.

1. Review your current auto insurance policy. It's important to know what auto insurance policies you're paying for at the present, what it includes, the limitations and more. Remember that's its important that you are aware of what you currently have for your vehicle insurance because if you don't, then there's no basis for comparison.

2. Time to go for a little shopping for your vehicle insurance quote. There are several ways to do this - you can seek the help of your car insurance broker or agent, go online and visit several websites that offer vehicle insurance quote online, or do it by checking your yellow pages and calling the car insurance carriers one at a time. I would always say that the best way to get vehicle insurance quote would be online, through the websites. Not only is it free of charge, but it's also so much comfortable on your part since you can do it at your own convenient time and at the comfort of your home plus for just a few minutes of your time.

3.Know the vehicle insurance terms. Do some research, learn the meaning of each car insurance coverage, the required limits by your state law for you auto insurance and a lot more. By doing this, you can be assure that when you purchased your car insurance policies, you're buying what's right for you.

4. Save yourself some headache, get your car insurance needs from a vehicle insurance company that can be trusted. There are independent rating agencies that determine how good a specific car insurance company is in delivering its service to its policyholders. You can check how car insurance companies are rated. Or you can also choose to ask your relatives or friends on what they can say about the car insurance companies they know.

About the Author:

You can get your cheap Vehicle Insurance Quote today. Save more on your vehicle insurance premiums and get it now! Vehicle Insurance Quote. Click here for article submission.

Cheap Auto Insurance Comparison

By Candy Jameson

How does one get the most affordable auto insurance policies? A lot of people are asking this question, especially now that times are getting harder as the country finds itself in one of the worst recession in history. Of course, everyone wants to save as much money as they can and unnecessary auto insurance expenses are among the first things to go.

It's not like we can just drop our auto insurance coverage. It's illegal and dangerous to your financial well-being to drive without auto insurance coverage, but that doesn't mean you cant take any steps to remove unnecessary coverage or to make your auto insurance premiums lower. One of the most effective ways to do this is by making auto insurance comparisons. Rates and premiums vary greatly between auto insurance companies so it is important that consumers know how to take advantage of that by doing auto insurance comparisons effectively.

The web is a valuable resource and tool for those looking to make effective auto insurance comparisons to search for the least-expensive car insurance policies around. You can go to a search engine and find the home pages of auto insurance companies and get rate quotes directly, or a faster and more convenient method which is to utilize car insurance portals where all the searching is done for you. You would only have to put some basic information in such as your age, car type, zip code etc., and the insurance portals browses through several companies simultaneously, giving you a listing of all the rate quotes available.

Aside from using car insurance portals to help you get cheaper insurance coverage, you should also look into getting as much discounts as you're eligible for. Most providers advertise this as well so check first before purchasing a policy. Discounts have the wonderful capability of making an otherwise steep auto insurance premium much cheaper.

About the Author:

I managed to save money by making effective Car Insurance Comparison, so can you. http://www.xyzcarinsurancecomparison.com/ is a great way to find the most affordable auto insurance policy that best fits your car insurance needs. Click here for article submission.

Cheap Vehicle Insurance For Old Drivers

By Carl Pratts

Being an old driver has some disadvantages. For one, you might find it quite difficult to get lower car insurance rates for yourself. Just like teen drivers, being an old driver is considered as someone who is riskier to be insured for auto insurance companies. Although they have the road experience that teen drivers do not have, it's a known fact that as we aged, our motor reflexes and perception also decreases thus these greatly affect the way we drive. In fact, according to a study conducted by Insurance Institute for Highway Safety, among the age group of all drivers, older drivers got the second highest rate of deadly crashes next to teen drivers.

Now, the next question is how do get cheaper vehicle insurance rates for someone who is statistically considered as 'riskier" to be insured? One great way is to get auto insurance online. Since the Internet offer so much for choices for vehicle insurance quotes, you can just visit those websites then possibly get the cheapest rate that you can find.

Another thing that you can consider is to take advantage of the low driving miles, if it's being offered by the auto insurance company. Since old drivers do not use their vehicles that often as compared when they are younger, their driving miles also decreases. Certain vehicle insurance companies offer this kind of discount. For some, if you drive less than 1000 miles in a year you can avail of this discount. You just have to ask for its availability.

Also, don't forget to ask about getting a discount for enrolling in a driver's education program. There are some states that mandate a minimum discount of 5% for senior drivers like in New Jersey.

You can ask your auto insurance agent if this discount is being offered in your area.

About the Author:

Those are just some things that you can do to get cheaper Vehicle Insurance rate for an old driver. You can start visiting this site http://www.vehicleinsurancereview.com/. Click here for article submission.