Posts Tagged ‘car insurance’
By Lee Dobbins
Changing addresses is not that easy. You would have to move your things from your current location to the next, and you would have to be very careful when you this.
Problem exists when you would transfer to a new location that is thousands of miles away from your current one. There would be numerous moving companies you could hire for the purpose, but they can only cover home appliances and furniture.
Your car would be a problem, for sure. Since it is large, it would not fit into any of the trucks of the house moving company. To do the job, you would have to contact a car moving firm.
Because car moving is not a usual transaction, there are just a handful of car moving companies around. Because the number is not that large, you would surely have a few difficulties hiring a good car moving company. Read the rest of this entry »
The law requires you buy auto insurance. So if you must get cover, how can you reduce costs ? Here’s 7 easy ways to get the best possible auto insurance deal.
* Multiple Quotes
Get multiple quotes – use the internet and call a few brokers. It’s easy to gather some good comparison quotes.
Remember to get different types of quotes e.g one from a direct-sell insurance company; another from an offline broker who keeps a database of quotes; and a couple from the internet.
Cheapest might not mean best. Will they pay out if you make a claim ? How financially secure ? How reputable ? Check around with family and friends, and look for online reviews.
* Different type of car
Insurance costs vary depending on car type. Obviously, that $100k sports model costs more to insure than your average runabout. If you’re planning to buy a new car, check insurance costs before you buy. I once set my heart on a beautiful, high performance, highly tuned Pontiac.
Luckily I checked the auto insurance before I bought it, because I couldn’t get insurance. Every broker, every insurance company flat turned me down because I lived in a high car-crime area. So I had to forget the car of my dreams until I moved up-town.
* Age and Value of Car
Maybe you’re buying a used car ? Maybe your car saw better days a few years ago, and now values much lower ? So why pay for high-priced auto insurance ? In particular, do you still need fully comprehensive coverage ?
A good rule of thumb multiplies insurance premium by 10, and compares that figure with your car value. So if you’re quoted $1000 premium and your car is worth less than $10,000 you may want to think if comprehensive represents good value. If you drop collision and/or comprehensive coverage, you should get big savings.
* Higher deductibles (excess charges)
Most auto insurance companies use deductibles to keep policy cost down. Deductibles, or excess charges, show what you pay before your auto insurance policy kicks in. Try requesting quotes with different levels of deductibles, and see how your quotes vary.
Most internet quote forms contain a box where you can specify preferred level of deductibles. Ask your broker his recommended level. For example, going from $250 to $500 deductible can slash your insurance costs by 20% or more. Go to $1000 and you save a lot of money. But you must pay the deductible if you need to make a claim !
* Multiple Insurances
I guess this might come under the ‘Get Multiple Quotes’ heading, but it’s still worth mentioning separately. You usually get an insurance break if you buy multiple policies with the same insurer.
This might mean multiple vehicles, or homeowner and auto insurance. Either way it’s worth asking about multi-policy discounts.
* Low Mileage
More and more people work at home. No more commuting. Fewer business trips. Low mileage on your car. Maybe you do travel to work, but car pool ?
Either way, look for low mileage discounts.
* Good Driving Record
A good driving record always reduces your auto insurance costs. Keep a clean drivers license. Don’t speed, don’t drive dangerously, and you’ll save money (apart from other benefits !)
* Bonus Tip
Okay, I said ’7 Ways…’, but here’s some extra tips. Fit anti-theft devices to your car. Go on an advanced driver training course. Use daytime running lights. If you’re a college student away from home, consider adding to parents policy.
This short article covers the things you must consider when shopping for auto insurance. Follow these tips and you’ll slash your auto insurance costs.
© DigiLectual Inc. 2004
Discover valuable information and tips to help slash your auto insurance costs.
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About The Author
Neil Stelling is Marketing Manager of New York based, DigiLectual Inc.
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By Vincent Norman
In the United Kingdom, it is an offence to drive a car, or to allow others to drive it without at least a third party insurance while on a public road. There is no provision to that effect on private roads and lands but since you cannot avoid public lands all throughout your driving life, it makes sense to secure an insurance certificate.
You do not, however, just go into town and patronise the first insurance company encountered.
So, start shopping around for your car insurance quotes now!
Reasons why you should shop around
There are many reasons to shop around before settling on one car insurance.
Firstly, you can save money by comparing the car insurance quotes provided by the various companies. When factors like efficient customer service, easy payment options and wider coverage are considered, you can also get the best deals for your money.
Secondly, you can determine the integrity of the insurance companies. You have to ensure that the insurance company of your choice is duly licensed by the state in which you reside. Also, you have to determine its strength and stability per industry standards; you can ask around with industry professionals when necessary. After all, you want your insurance company to follow through when you need them!
Thirdly, you will have a better idea of the company’s capacities to answer your insurance needs in the future. The insurance representatives must be able to answer your questions regarding claims processing, nature of coverage and the limitations of the policies being considered. This way, you can find the best company that will suit your car insurance needs.
You did canvass the car dealerships before buying your new car, right? It’s the same principle when shopping around for car insurance.
Where to Shop
There are basically three options when shopping for car insurance quotes. It will do you the world of good if you check out at least two options just to get a feel of the market.
Firstly, you can browse through the phone books. Most insurance companies will advertise their services in this way due to the ease with which prospective customers can seek them out. You can secure quotes right away without the hassles of driving around, however, be sure to get quotes for similar types of coverage to avoid confusion on pricing schemes.
Secondly, you can log on to the Internet. You will have many benefits going online like ease of price comparisons, unlimited access on a 24/7 basis and online policy activation, among other things. You do, however have to ensure that the company is legitimate.
Thirdly, you can drive around town and check out the insurance companies in the area. You will have the opportunity to ask questions of the agents make payments in the office and draw out the policy immediately. You might, however, have limited choices.
Indeed, when it comes to taking out a car insurance policy, it pays to do your homework. You never know when a fender bender involving your rash teenager or your elderly mum will happen!
About the Author: Vincent Norman is a freelance writer living in the UK. He regularly contributes insurance articles for The Online Shopping Centre, who offer a wide range of online insurance quotes.
Source: www.isnare.com
Permanent Link: http://www.isnare.com/?aid=356389&ca=Automotive