Used Car Insurance

Used Car Insurance 
By By Mary Beim 

Every state requires that drivers carry liability insurance. The liability coverage section of an auto insurance policy provides financial protection from liability claims against you when you (or certain other people) cause an accident that results in bodily injuries to other people and/or damage to their property. Every state has mandatory minimum levels of coverage in this area. The rationale behind such laws is that at-fault drivers should be able to compensate victims who suffer accident-related losses. But the required minimums in most states don't even come close to covering the costs of a serious accident. Consequently, if you wish to be adequately protected from liability claims, your liability coverage should probably exceed your state's requirements.

Other coverages are required in some states and optional in others. Medical payments coverage and uninsured/underinsured motorist coverage are two such coverages. Medical payments coverage covers medical expenses incurred by you, your family members, and your non-family passengers. Uninsured/underinsured motorist coverage covers losses you and others suffer as a result of an accident caused by a driver 

who either has no insurance or insufficient insurance. If buying these coverages is optional in your state, base your decision on your needs, circumstances, and other factors. Consult your insurance agent for more information.

Collision and comprehensive insurance is optional in virtually every state. The collision and comprehensive section of your policy covers physical damage to your own vehicle resulting from collisions and a variety of other causes (e.g., fire, falling objects). It may also cover losses associated with theft. However, your car's value plays a big part in assessing your need for this type of coverage. It may not be cost-effective if your vehicle is worth less than $1,000 because you'll have to satisfy a deductible, and the most you'll receive (even if your car is totaled) will be its actual value (i.e., after depreciation). That's not much, especially taking into account the premiums you would have been paying for coverage.

Top 10 Tips To Save Money On Your Car Insurance

Top 10 Tips To Save Money On Your Car Insurance 
By Paul Johnson 
So, your car insurance is up for renewal…but the premium has gone up again! Shouldn’t it be going down! If you’re fed up paying too much for your car insurance duck2water (www.duck2watercarinsurance.co.uk) have put together the top ten ways you can reduce your premium without reducing the level of cover:

1.Buy online
Buying online can save you time and money. Companies who spend millions of pounds on advertising or run large call centres have to cover these costs somewhere, and they do so by adding these costs onto the price of your insurance premium. Although online insurers do have overheads, they are much less than high street and telephone insurers, which means they can offer car insurance at up to 60% cheaper than other companies.

2.Drive a cheap and less powerful car
Car insurance companies calculate their premiums on the basis of the car engine size, the probability that it will get stolen and the cost of repairing it. Although smaller cars such as Ford Fiesta’s and Renault 5’s are more prone to being stolen than larger saloon cars, they are cheaper to repair or replace and are therefore cheaper to insure. 

3.Build up a ‘no claims history’
Car insurance companies give discounts for safe drivers with a good no claims record. By building up your no claims history you can benefit from a reduction (up to 60%) off your premium, and this discount can be transferred from company to company.

4.Increase your car security
More security means lower risk for your insurance company and you can benefit from cheaper rates by locking your car in a garage a night, or installing an insurance company approved immobiliser or tracker. 

5.Increase your voluntary excess
By deciding to pay a higher excess it also means you’re less likely to make a small claim on your insurance and are therefore considered a lower risk.

6.Obtain more driving qualifications
The Pass Plus qualification costs between £100-150 and involves taking lessons in different driving conditions such as at night and on the motorway. By becoming a more skilled and experienced driver most insurance companies reward their customers by reducing their premium. As a result, the qualification usually pays for itself within the first year of qualifying. Another option is the advanced driving test, but this can take much more time to pass than the Pass Plus.

7.Use your car less
Clearly, the more you use your car the higher the probability is that you’ll be involved in an accident. As a result people who travel hundreds of miles every week are likely to have a higher car insurance premium.

8.Don’t get on the wrong side of the law
Insurance companies don’t like motoring convictions as they mean a driver is seen as a higher risk. Certain motoring convictions are considered worse than others, for example drink driving offences mean that your premium will be double the usual rate.

9.Reduce the number of people under your policy
The more people on your insurance the more you’ll have to pay. So, if possible try to have as few drivers on your policy as feasible.

10.Live in the countryside
As a general rule, the further you live away from a city the cheaper your car insurance is likely to be. By living in the city your car is more likely to be stolen or be involved in car accident. You can save up to 50% on your car insurance by moving from the city to a rural location. 

Need A Car Insurance Comparison? Don't Have Time?

Need A Car Insurance Comparison? Don't Have Time? 
By Search EzineArticles.com  

If you decide not to do a car insurance comparison and simply renew your insurance at the same rate, you could be paying away needless amounts of your hard-earned money. By doing a car insurance comparison, you could get a cheaper rate than what you are presently paying.

A car insurance comparison rate is quite easy to do from home on your computer. This way you don’t have to spend time during the day contacting the various insurance companies during their business hours. You can sit down at any time of the night and do the car insurance comparison yourself by requesting free quotes from the various online car insurance companies.

Most of the online insurance sites will return a free quote as to the rate they charge for your insurance needs within 24 hours. It is best to request at least three quotes so you can do a car insurance comparison when you get them. If you print them off, then you can sit back with your coffee and do a car insurance comparison of the rates. Take your time and make sure you are actually doing a comparison of the same types of coverage.

Another way you can get the car insurance comparison you need without spending too much time on the computer is to contact an online car insurance broker. Using a broker takes all the work out of car insurance comparison. Rates vary from company to company and some of them give discounts for certain things.

You may find when doing a car insurance comparison that some companies give a discount if you are over age 50. Others might have a discount if you have a perfect driving record and still others may offer a discount if you work in a certain industry or if you do not drive your car to work. It does pay to shop around for a car insurance comparison rate.

The type of car you have will affect the quote you get with a car insurance comparison rate. A sports car will cost you more in insurance, as will city driving as opposed to all rural driving where there is less traffic and therefore less chance of having an accident. There are some companies that will give you a break if you have had accidents in the past. If you have several vehicles, you need to do a car insurance comparison to find a company that will give you a lower rate when you insure all the vehicles under the same policy. Shop around and don’t be afraid to ask questions about the company and its system of rates that it charges. Although some people say knowledge can be dangerous, it will save you money when it comes to getting car insurance.

Do a car insurance comparison, you may be surprised.

For a website totally devoted to Car Insurance visit Peter's Website Car Insurance Answers and find out about Auto Insurance Comparisons as well as Auto Insurance Rates and more, including UK Car Insurance, online Car Insurance and Car Insurance Quotes.

5 Strategies To Reduce Your Car Insurance Premiums

5 Strategies To Reduce Your Car Insurance Premiums 
By Search EzineArticles.com  

Your latest car insurance bill has arrived and it is not a pretty site. In fact, it is downright ugly! What can you do? Must you remain hostage to the ever spiraling rate increases foisted upon you when your policy renews? In a word, no. Let’s examine five strategies you can practice today to help reduce your car insurance premiums immediately.

1. Shop For A New Policy. Even with “loyalty discounts” in place, many consumers will find that a competing company will offer significant savings over your current plan. This especially holds true if your state recently opened up the market to invite more competition in.

2. Change Your Coverage. If your vehicle is old, you many want to consider dropping collision coverage. Your comprehensive coverage may also be due for reexamination. Finally, make sure that there aren’t duplicate costs included such as towing insurance if already offered through your automobile club.

3. Family Status. You may be paying more for your insurance if your policy shows that you are single when, in fact, you were recently married. Rates are generally lowered for married folks as well as those over a certain age.

4. Up Your Deductible. You can realize instant savings by raising the deductible you are willing to pay. Maybe you don’t need a $200 collision deductible when $500 is sufficient.

5. Get Security Discounts. If you park your car in a locked garage and/or have an alarm system installed make sure that your insurer is aware of this as your premium will be adjusted downward.

In many cases you can also save on car insurance by bundling it with your homeowners insurance. Finally, talk with your broker to see whatever other measures you can take to realize additional savings.

Matthew Keegan is The Article Writer who writes on just about any and every issue imaginable. You can preview samples from his high performing site at http://www.thearticlewriter.com

Auto Cheap Insurance

To get the cheapest possible quote for your car insurance, your best bet is an online discount car insurance broker. A broker does not deal with one specific car insurance company, but rather searches through every available company to find you the best possible quote. When you contact a discount car insurance broker online, you just supply the information about the make and model of the car, your age and driving record to get the discount quotes you need.

When you contact a discount car insurance broker, you can get as many as 20 free online car insurance quotes at the same time. When you submit the necessary information to the broker, he/she sends it out to all the insurance companies he/she deals with. Each of these comes back with a quote as to how much they would charge for your car insurance needs.

When you submit the information, make sure you specify the coverage you need to have with the policy. The price you get in a free online car insurance quote depends on the coverage you request. This way you know that each quote you get from the discount car insurance broker is for the same type of policy and that you are comparing the prices of the same thing.

Once you receive all the quotes, then you can sit back and compare them. The best thing about going through a discount car insurance broker for car insurance is that You do not have to pay a discount car insurance broker for his/her services yourself over and above the cost of the car insurance. This cost is already included in the free online car insurance quote you receive and the insurance company pays the discount car insurance broker a commission for making the sale. Using this type of service for your car insurance is almost like one-stop shopping. A broker takes all the guesswork out of getting the best possible deal.

However don’t assume that once you have your quote from a discount car insurance broker this is all there is to car insurance. Make sure you insure with a good company.

For a website all about Car Insurance visit Peter's Website Car Insurance Answers and find out about Auto Insurance Comparisons as well as Auto Insurance Rates and more, including UK Car Insurance, online Car Insurance and Car Insurance Quotes.

car insurance comparison

If you decide not to do a car insurance comparison and simply renew your insurance at the same rate, you could be paying away needless amounts of your hard-earned money. By doing a car insurance comparison, you could get a cheaper rate than what you are presently paying.

A car insurance comparison rate is quite easy to do from home on your computer. This way you don’t have to spend time during the day contacting the various insurance companies during their business hours. You can sit down at any time of the night and do the car insurance comparison yourself by requesting free quotes from the various online car insurance companies.

Most of the online insurance sites will return a free quote as to the rate they charge for your insurance needs within 24 hours. It is best to request at least three quotes so you can do a car insurance comparison when you get them. If you print them off, then you can sit back with your coffee and do a car insurance comparison of the rates. Take your time and make sure you are actually doing a comparison of the same types of coverage.

Another way you can get the car insurance comparison you need without spending too much time on the computer is to contact an online car insurance broker. Using a broker takes all the work out of car insurance comparison. Rates vary from company to company and some of them give discounts for certain things.

You may find when doing a car insurance comparison that some companies give a discount if you are over age The type of car you have will affect the quote you get with a car insurance comparison rate. A sports car will cost you more in insurance, as will city driving as opposed to all rural driving where there is less traffic and therefore less chance of having an accident. There are some companies that will give you a break if you have had accidents in the past. If you have several vehicles, you need to do a car insurance comparison to find a company that will give you a lower rate when you insure all the vehicles under the same policy. Shop around and don’t be afraid to ask questions about the company and its system of rates that it charges. Although some people say knowledge can be dangerous, it will save you money when it comes to getting car insurance.

Do a car insurance comparison, you may be surprised.

For a website totally devoted to Car Insurance visit Peter's Website Car Insurance Answers and find out about Auto Insurance Comparisons as well as Auto Insurance Rates and more, including UK Car Insurance, online Car Insurance and Car Insurance Quotes.

Discount Car Insurance Brokers

Discount Car Insurance Brokers - Get Amazing Comparisons. 
By Peter Crump 
To get the cheapest possible quote for your car insurance, your best bet is an online discount car insurance broker. A broker does not deal with one specific car insurance company, but rather searches through every available company to find you the best possible quote. When you contact a discount car insurance broker online, you just supply the information about the make and model of the car, your age and driving record to get the discount quotes you need.

When you contact a discount car insurance broker, you can get as many as 20 free online car insurance quotes at the same time. When you submit the necessary information to the broker, he/she sends it out to all the insurance companies he/she deals with. Each of these comes back with a quote as to how much they would charge for your car insurance needs. 

When you submit the information, make sure you specify the coverage you need to have with the policy. The price you get in a free online car insurance quote depends on the coverage you request. This way you know that each quote you get from the discount car insurance broker is for the same type of policy and that you are comparing the prices of the same thing.

Once you receive all the quotes, then you can sit back and compare them. The best thing about going through a discount car insurance broker for car insurance is that you have a chance at 
getting a cheaper insurance rate from a company in another city that you would probably never contact on your own. Once you decide which one you want to select, the broker will make the necessary arrangements and take care of getting the policy printed for you.

You do not have to pay a discount car insurance broker for his/her services yourself over and above the cost of the car insurance. This cost is already included in the free online car insurance quote you receive and the insurance company pays the discount car insurance broker a commission for making the sale. Using this type of service for your car insurance is almost like one-stop shopping. A broker takes all the guesswork out of getting the best possible deal. 

However don’t assume that once you have your quote from a discount car insurance broker this is all there is to car insurance. Make sure you insure with a good company.

About the Author

For a website about Car Insurance visit Peter's Website Car Insurance Answers and find out about Auto Insurance Comparisons as well as Auto Insurance Rates and more, including UK Car Insurance, online Car Insurance and Car Insurance Quotes.

Car Insurance Online Quotes

Car Insurance Online Quotes - No Fuss 
By Peter Crump 
There are many ways to shop for car insurance but getting car insurance online quotes has got to be one of the easiest ways to shop for it. A car insurance online quote has many advantages such as you have access to multiple companies and you have the final say in how many car insurance quotes you get. This is a terrific way to really see what your options are and the money you can save with the best prices.

For example you can find deductibles ranging from $100.00 to $1000.00 or more so an online quote will give you an idea of car insurance prices and how they suit you, and all this with the click of your mouse. Getting a car insurance online quote is a fantastic way to check out car insurance prices. Just keep in mind that if you save on the prices of the premiums, you will be paying more out of your pocket if the need arises if you have saved on the quote by taking a higher deductible.

Car insurance online quotes are broken down according to your needs. These are still generally combined into one policy and finding a company that will do this shouldn’t be a problem when looking for car insurance policies online. You can cut down on the time you will be searching by knowing where to look and what to look for. A good company will get you out of jams and be there when you need them. They will give you car insurance prices without making you feel like your bothering them by asking.

There are a few things to watch out for when shopping for online quotes. The company websites that you visit should have no trouble in quoting a price, but they vary greatly. The best advice is to get quotes from at least three online car insurance companies. You have to make sure that the company that gives you a car insurance online quote is financially stable so you know they will be around when you need them. Be careful when you’re shopping for car insurance. 

Become informed about the insurance industry before you get into buying insurance. If you’re well informed you will know what you need in insurance and it is less likely that you will be taken advantage of.

Car insurance online quotes are a good way of comparing prices, but you need to know a little more about insurance other than just the price. Make sure you