Cheap auto insurance is available. The only way to find cheap car insurance is to show determination and a willingness to research it. Have you had car insurance in the past but wasn't cheap auto insurance? Were your rates high and a strain on your wallet? If so, why not look into cheap auto insurance? Cheap car insurance is just the thing to help you save some money each month. There are ways you can find cheap auto insurance and still get the coverage you need most. Do you want only liability from cheap auto insurance? Did your last insurance provider tell you that you could only get liability because of how high the rates were? There is no reason for why you have to settle. You need to get the kind of coverage that benefits you most-others too in case of an accident. Why not find cheap car insurance and find the quality and affordability you deserve?
Be on the lookout for advertisements on the radio or television concerning cheap auto insurance. Often times there are two or three commercials between your favorite shows talking about cheap car insurance. Have you ever thought to call the number on the bottom of the screen to see if they really do offer cheap auto insurance? It isn't a bad idea. You will want to listen for the offers they make on the television commercials regarding cheap car insurance and then make sure they are sticking to what they are promoting. Call them up and ask them questions about their advertisements on cheap auto insurance. A representative of that particular company can tell you about the cheap car insurance they provide and why you should become a client.
You can also look in the newspaper and see what companies are advertising cheap auto insurance. Even mailers come once or twice a week advertisement companies who guarantee cheap auto insurance. You might feel leery at first because some of the cheap auto insurance seems too good to be true, right? If you are feeling this way, you should call up the company and ask about their cheap car insurance rates and policies. When you take the initiative to talk to a company that deals with cheap car insurance, you fears can subside because you will have been able to get all the answers concerning cheap auto insurance. Begin your search for cheap car insurance today!
For more information, visit:
http://www.christianet.com/articles/
http://www.christianet.com/
Article Source: http://EzineArticles.com/?expert=Christian_N
Saturday, 13 February 2010
Tuesday, 9 February 2010
Car Insurance Discounts - Fact or Fiction?
It seems like a very straightforward concept. Someone buys a new car and purchases an alarm system to protect their brand new vehicle. Their investment enhances the vehicle's security, which also benefits the car's insurer as it less likely to get stolen, resulting in lower car insurance, right? As I found out, in most instances, this is not the case.
To find out if UK motor insurers were providing discounts if car owners fitted aftermarket security products to their vehicles such as alarms, immobilisers, or GPS tracking devices at their own cost, I started by checking a largest comparison website, for quotes on a Vauxhall Corsa and BMW 525. During the application, the site provides hope by stating, "Did you know, a Thatcham approved alarm fitted could reduce your premium by up to 10%?". Thatcham being the industry body responsible for testing and rating security features on new cars and products. We obtained quotes for both cars selecting the different security options and the Corsa's quote actually increased by over 2% when a Thatcham Category 2 and Tracker option were selected, while the BMW's cheapest quotes remained unchanged. This was not a good start.
I continued investigating by asking the country's top car insurance companies and brokers, who between them represent over 50 of the most popular motor insurance brands in the UK, the following:
* Do you offer discounts for car security products?
* If so, which manufacturer and products are these?
* What corresponding discounts can drivers receive?
* Are there any limitations or conditions surrounding these discounts?
Overwhelmingly, the answer was 'No' to our first question, which rendered the remaining ones redundant. Furthermore, many insurers stated that not only do they not offer discounts for car security products, if the car isn't already fitted with certain ones, a potential customer can't even obtain a quote.
One underwriter of a leading insurer, who asked not to be named, said they, "do not offer a discount if you have a security device fitted. However, in order to be eligible for a fully comprehensive policy depending on where the customer lives, where their car is parked and type of vehicle, a level of security would be required."
I was able to find a handful of insurers who confirmed they offered product related discounts, however, they wouldn't disclose any details stating the reductions could be removed at anytime. As another underwriter, who chose not to be named, explained, "we currently offer some discounts for a few security products that are in addition to the standard security on the vehicle. However, we do not wish to promote these discounts at the current time as they are shortly due to be reviewed with a view to reducing or removing them. I am unable to confirm what discounts we offer, on what products or whether we have any restrictions."
Norwich Union was the only insurer who answered all our questions stating they offered discounts on aftermarket immobilisers of 2-5%, and 5% for tracking systems. If a Tracker is fitted, the subscription must be maintained with the provider and all devices must be fitted by a VSIB approved installer. Unfortunately, Norwich Union's response was the exception, indicating a disappointingly low level of clarity around this issue with no apparent industry standard.
This is surprising, as car crime remains a major issue in the UK, as there were over 1.3M1 vehicle thefts and break-ins last year , with the latter actually increasing by 1% year on year. Furthermore, the financial impact of having a car stolen is significant as it costs the average theft victim over £3,000. This has resulted in UK car owners spending approximately £315M2 annually on aftermarket security products.
The latest British Crime Survey from the Home Office reports that these products are effective as a car can be up to 70% less likely to be stolen if fitted with one. Also, many products are approved by Thatcham, which is jointly owned by the car manufacturers and insurance industry, meaning insurers have effectively approved the products themselves.
A few insurers referred me to the ABI (Association of British Insurers) and said I should check this issue with them. Derek Fawell, ABI Policy Advisor for motor insurance, said that "the ABI is only involved in providing the group insurance rating on new vehicles, which takes into consideration the safety and security of the car as it is delivered from the factory, however, each individual insurer has the power to offer after market discounts as they deem necessary."
So why aren't insurers doing this? A major reason is that the UK motor insurance industry is a hugely competitive market. The ABI reports that it accounts for almost a third of all general insurance in the UK where £10.3 billion in net premiums were written in 2006. In addition, it isn't the most profitable line of insurance, as more than one in six private car drivers make a claim each year, and this equates to £18.7 million paid out in claims every day! This leaves insurers in a cutthroat business needing to maintain their revenue and margins targets while retaining or growing market share, which is a very tricky matter.
Nonetheless, offering discounts for fitting car security products would be a way to differentiate an insurer's offer in a highly saturated industry and attract more customers, help to subsidise some of the product's cost, put more secure vehicles on the road and make the lives of thieves that much more difficult. Furthermore, in the long run, it could increase the insurer's profitability through less claims and write-offs, while more of the cars they insured would have better protection.
I believe car owners should receive discounts on their insurance if they fit additional security products to their vehicle at their own cost, as their investment ultimately benefits the insurer. In the case where reduced premiums are offered, there should be greater transparency on the specific products and the amount of the resulting discount. This would make it easier for car owner's to make an informed decision when looking to protect their vehicles or purchase car insurance.
So the next time you're looking for car insurance or a security product, ask your insurer if they offer discounts for fitting them, and if so, which product and the amount of the resulting discount. It's a straightforward concept that is currently mostly fiction and needs to become fact.
1 Home Office, British Crime Survey 2006/07, in England and Wales
2 Vehicle Security Market Report 2007, Key Note Publications Ltd, Feb 2007
Results
1 . Do you offer discounts for car security products?
Yes = 8%
No = 92%
2. If so, which manufacturer and products are these?
* Thatcham approved engine immobilisers and/or alarms
* Thatcham CatQ and Cat5 tracking devices
* Varies by car manufacturer
* Unfortunately these are system generated and not shown as part of the customer's display so we are unable to use these as marketable details
3. What corresponding discounts can drivers receive?
* 2-5% for immobilisers
* 5% for tracking systems
4. Are there any limitations or conditions surrounding these discounts?
* If a Tracker has been fitted then the subscription must be maintained with the provider Aftermarket devices must have been fitted by VSIB approved installer
* report included 62 motor insurers (found through Moneysupermarket.com quotes & discussions with insurers)
* 5 offered discounts for aftermarket car security products
* 57 insurers didn't offer discounts
* ABI estimates the total UK car insurance market to be 80 insurers including Lloyd's of London syndicates (each insurer could have multiple brands)
Sample Responses
These were some of the responses we received to our queries listed above:
"Our standard Private Car product doesn't offer discounts for additional security. We have specific security terms for each vehicle, and if the client doesn't have sufficient, we don't quote. We don't mind about the specific system, so long as they are Thatcham approved devices."
"Currently offer some discounts for a few security products that are in addition to the standard security on the vehicle. However we do not wish to promote these discounts at the current time as they are shortly due to be reviewed with a view to reducing or removing them. I am unable to confirm what discounts we offer, on what products or whether we have any restrictions."
"Offer discounts if security devices are fitted but they have taken the decision not to advertise that fact as they may be removed at some stage."
"Unfortunately we do not publish discounts regarding car security products."
"We don't have 'discounts' for security features as such. Security features impact the premium in two ways:
* We have underwriting rules which demand that certain security features are present or else we'll decline or load the premium
* We use the ABI defined groupings of vehicles to car groups to rate. In allocating vehicles to rating groups the ABI take into account factory built security features."
Kelvin Mangaroo is the editor for, www.CarSecurityUK.com [http://www.CarSecurityUK.com], the UK's main source for everything related to car security in the UK. Car owner's can find timely, useful content including buyer's guides, top security tips, a jargon buster, product and company reviews, ratings and a local supplier search, plus much more.
Article Source: http://EzineArticles.com/?expert=Kelvin_Mangaroo
To find out if UK motor insurers were providing discounts if car owners fitted aftermarket security products to their vehicles such as alarms, immobilisers, or GPS tracking devices at their own cost, I started by checking a largest comparison website, for quotes on a Vauxhall Corsa and BMW 525. During the application, the site provides hope by stating, "Did you know, a Thatcham approved alarm fitted could reduce your premium by up to 10%?". Thatcham being the industry body responsible for testing and rating security features on new cars and products. We obtained quotes for both cars selecting the different security options and the Corsa's quote actually increased by over 2% when a Thatcham Category 2 and Tracker option were selected, while the BMW's cheapest quotes remained unchanged. This was not a good start.
I continued investigating by asking the country's top car insurance companies and brokers, who between them represent over 50 of the most popular motor insurance brands in the UK, the following:
* Do you offer discounts for car security products?
* If so, which manufacturer and products are these?
* What corresponding discounts can drivers receive?
* Are there any limitations or conditions surrounding these discounts?
Overwhelmingly, the answer was 'No' to our first question, which rendered the remaining ones redundant. Furthermore, many insurers stated that not only do they not offer discounts for car security products, if the car isn't already fitted with certain ones, a potential customer can't even obtain a quote.
One underwriter of a leading insurer, who asked not to be named, said they, "do not offer a discount if you have a security device fitted. However, in order to be eligible for a fully comprehensive policy depending on where the customer lives, where their car is parked and type of vehicle, a level of security would be required."
I was able to find a handful of insurers who confirmed they offered product related discounts, however, they wouldn't disclose any details stating the reductions could be removed at anytime. As another underwriter, who chose not to be named, explained, "we currently offer some discounts for a few security products that are in addition to the standard security on the vehicle. However, we do not wish to promote these discounts at the current time as they are shortly due to be reviewed with a view to reducing or removing them. I am unable to confirm what discounts we offer, on what products or whether we have any restrictions."
Norwich Union was the only insurer who answered all our questions stating they offered discounts on aftermarket immobilisers of 2-5%, and 5% for tracking systems. If a Tracker is fitted, the subscription must be maintained with the provider and all devices must be fitted by a VSIB approved installer. Unfortunately, Norwich Union's response was the exception, indicating a disappointingly low level of clarity around this issue with no apparent industry standard.
This is surprising, as car crime remains a major issue in the UK, as there were over 1.3M1 vehicle thefts and break-ins last year , with the latter actually increasing by 1% year on year. Furthermore, the financial impact of having a car stolen is significant as it costs the average theft victim over £3,000. This has resulted in UK car owners spending approximately £315M2 annually on aftermarket security products.
The latest British Crime Survey from the Home Office reports that these products are effective as a car can be up to 70% less likely to be stolen if fitted with one. Also, many products are approved by Thatcham, which is jointly owned by the car manufacturers and insurance industry, meaning insurers have effectively approved the products themselves.
A few insurers referred me to the ABI (Association of British Insurers) and said I should check this issue with them. Derek Fawell, ABI Policy Advisor for motor insurance, said that "the ABI is only involved in providing the group insurance rating on new vehicles, which takes into consideration the safety and security of the car as it is delivered from the factory, however, each individual insurer has the power to offer after market discounts as they deem necessary."
So why aren't insurers doing this? A major reason is that the UK motor insurance industry is a hugely competitive market. The ABI reports that it accounts for almost a third of all general insurance in the UK where £10.3 billion in net premiums were written in 2006. In addition, it isn't the most profitable line of insurance, as more than one in six private car drivers make a claim each year, and this equates to £18.7 million paid out in claims every day! This leaves insurers in a cutthroat business needing to maintain their revenue and margins targets while retaining or growing market share, which is a very tricky matter.
Nonetheless, offering discounts for fitting car security products would be a way to differentiate an insurer's offer in a highly saturated industry and attract more customers, help to subsidise some of the product's cost, put more secure vehicles on the road and make the lives of thieves that much more difficult. Furthermore, in the long run, it could increase the insurer's profitability through less claims and write-offs, while more of the cars they insured would have better protection.
I believe car owners should receive discounts on their insurance if they fit additional security products to their vehicle at their own cost, as their investment ultimately benefits the insurer. In the case where reduced premiums are offered, there should be greater transparency on the specific products and the amount of the resulting discount. This would make it easier for car owner's to make an informed decision when looking to protect their vehicles or purchase car insurance.
So the next time you're looking for car insurance or a security product, ask your insurer if they offer discounts for fitting them, and if so, which product and the amount of the resulting discount. It's a straightforward concept that is currently mostly fiction and needs to become fact.
1 Home Office, British Crime Survey 2006/07, in England and Wales
2 Vehicle Security Market Report 2007, Key Note Publications Ltd, Feb 2007
Results
1 . Do you offer discounts for car security products?
Yes = 8%
No = 92%
2. If so, which manufacturer and products are these?
* Thatcham approved engine immobilisers and/or alarms
* Thatcham CatQ and Cat5 tracking devices
* Varies by car manufacturer
* Unfortunately these are system generated and not shown as part of the customer's display so we are unable to use these as marketable details
3. What corresponding discounts can drivers receive?
* 2-5% for immobilisers
* 5% for tracking systems
4. Are there any limitations or conditions surrounding these discounts?
* If a Tracker has been fitted then the subscription must be maintained with the provider Aftermarket devices must have been fitted by VSIB approved installer
* report included 62 motor insurers (found through Moneysupermarket.com quotes & discussions with insurers)
* 5 offered discounts for aftermarket car security products
* 57 insurers didn't offer discounts
* ABI estimates the total UK car insurance market to be 80 insurers including Lloyd's of London syndicates (each insurer could have multiple brands)
Sample Responses
These were some of the responses we received to our queries listed above:
"Our standard Private Car product doesn't offer discounts for additional security. We have specific security terms for each vehicle, and if the client doesn't have sufficient, we don't quote. We don't mind about the specific system, so long as they are Thatcham approved devices."
"Currently offer some discounts for a few security products that are in addition to the standard security on the vehicle. However we do not wish to promote these discounts at the current time as they are shortly due to be reviewed with a view to reducing or removing them. I am unable to confirm what discounts we offer, on what products or whether we have any restrictions."
"Offer discounts if security devices are fitted but they have taken the decision not to advertise that fact as they may be removed at some stage."
"Unfortunately we do not publish discounts regarding car security products."
"We don't have 'discounts' for security features as such. Security features impact the premium in two ways:
* We have underwriting rules which demand that certain security features are present or else we'll decline or load the premium
* We use the ABI defined groupings of vehicles to car groups to rate. In allocating vehicles to rating groups the ABI take into account factory built security features."
Kelvin Mangaroo is the editor for, www.CarSecurityUK.com [http://www.CarSecurityUK.com], the UK's main source for everything related to car security in the UK. Car owner's can find timely, useful content including buyer's guides, top security tips, a jargon buster, product and company reviews, ratings and a local supplier search, plus much more.
Article Source: http://EzineArticles.com/?expert=Kelvin_Mangaroo
Saturday, 6 February 2010
Car Insurance Gearing up to Drive Down Costs
For once finances seem to be going in favour of the UK motorist, with Esure announcing plans to double its share of the UK's car insurance market - a move which is likely to spark a price war, other internet-only direct insurers passing on to consumers savings based on their low overheads, and specialist insurers offering reduced rates for their particular target markets. A trial pay-as-you-go scheme from Norwich Union is also creating a lot of interest for money conscious motorists.
The pay-as-you-go scheme uses a small box costing an initial £199 which is fitted in the driver’s boot, to record when and for how long a driver actually uses their car. The box stays in contact with a satellite which is sent regular updates of the journey data stored on the box, tracking the vehicle and then delivering the information to the insurer. The driver is then charged based upon how far at what time they used their vehicle.
“We got a statement”, said one member of the trial, "which showed what mileage we had done, and on what days of the week, as well as if we had been driving in the evenings or peak hours."
For low mileage users, this system could present significant reductions in premiums, for higher mileage drivers searching about for the best deals at renewal time is an absolute must.
Unfortunately, last year five million motorists failed to shop around, missing out on an average premium saving of £180. Shopping around becomes especially important for anyone coming to the end of a free insurance offer on a dealership car and should not simply take the quote offered by the manufacturer's insurer, as significant savings can be made by shopping around. Comparisons sites such as Moneynet enable consumers to quickly look at hundreds of insurance providers in one go, making it easy to find the best deals that are available, and they often have their own extra discounts which are provided through their own sites.
While the government tries to work out new ways to extract more money from motorists, the competitiveness of the insurance industry is thankfully helping to drive down the cost of insurance premiums, making it one of the few rays of hope for UK drivers.
Richard works in Edinburgh for a media company, occasionally writing for the personal finance blog Cashzilla, and drinking too much coffee.
Article Source: http://EzineArticles.com/?expert=Richard_Brown
The pay-as-you-go scheme uses a small box costing an initial £199 which is fitted in the driver’s boot, to record when and for how long a driver actually uses their car. The box stays in contact with a satellite which is sent regular updates of the journey data stored on the box, tracking the vehicle and then delivering the information to the insurer. The driver is then charged based upon how far at what time they used their vehicle.
“We got a statement”, said one member of the trial, "which showed what mileage we had done, and on what days of the week, as well as if we had been driving in the evenings or peak hours."
For low mileage users, this system could present significant reductions in premiums, for higher mileage drivers searching about for the best deals at renewal time is an absolute must.
Unfortunately, last year five million motorists failed to shop around, missing out on an average premium saving of £180. Shopping around becomes especially important for anyone coming to the end of a free insurance offer on a dealership car and should not simply take the quote offered by the manufacturer's insurer, as significant savings can be made by shopping around. Comparisons sites such as Moneynet enable consumers to quickly look at hundreds of insurance providers in one go, making it easy to find the best deals that are available, and they often have their own extra discounts which are provided through their own sites.
While the government tries to work out new ways to extract more money from motorists, the competitiveness of the insurance industry is thankfully helping to drive down the cost of insurance premiums, making it one of the few rays of hope for UK drivers.
Richard works in Edinburgh for a media company, occasionally writing for the personal finance blog Cashzilla, and drinking too much coffee.
Article Source: http://EzineArticles.com/?expert=Richard_Brown
Thursday, 4 February 2010
Know All About Cheap Insurance Online
Whatever we do in our daily lives we cannot overlook the use of vehicles. It can be a simple bicycle to a more expensive BMW. We need vehicles all the time, whether to go to a park, to your office or just to hang out in a pub. Mode of transport is not only a status symbol but also a necessity. Maintaining a vehicle means a lot of investment and additional to that there is always a chance of theft, accident etc. To avoid such complications, it is usually advised to have our vehicles insured.
Seeing the benefits of insurance, many countries have it mandatory to have vehicle insurance before or after purchasing and driving the motor vehicle on public road. So before you get your next BMW it is advisable to get you your Cheap Insurance Online. The most preferred vehicle all over the world is car. Car insurance is purchased against a huge amount of money so that your car is protected against any liability in the future. By liability we mean theft, fire, accident etc. There are many Cheap Insurance Online companies available and most of them are available over the internet.
Suppose you own a BMW and you are worried about its safety. Then it would be definitely a wise option that you get a Cheap Insurance Online. Nowadays, it is easy to find out about insurance. Just type car insurance in the search engine and you will find many websites. You can now choose the ideal company which suits your requirements. It is very beneficial because you can now see car insurance quotes of various companies. Some well known car insurance companies give discounts which are available as a promotional scheme on special occasions.
There are many factors which you need to consider before applying for your BMW. Think twice before you answer the advertisements. You may think it may be the best Cheap Insurance Online however it may not turn out to be the best Cheap Insurance Online. It may be a trick to get you however not gives you the discount after all. While accepting your application companies might consider your age, risk and even gender.
Again region also may also affect your policy. If you are a young customer you may have to pay higher premiums. In short, car insurance is beneficial but it is not simple to get it as it seems. Be sure to have a Cheap Insurance Online and be insured right now.
Visit OnlineInsuranceNow to find Cheap Insurance Online. OnlineInsuranceNow also specializes in helping you find Car Insurance Virginia.
Article Source: http://EzineArticles.com/?expert=Ben_C_Hoss
Seeing the benefits of insurance, many countries have it mandatory to have vehicle insurance before or after purchasing and driving the motor vehicle on public road. So before you get your next BMW it is advisable to get you your Cheap Insurance Online. The most preferred vehicle all over the world is car. Car insurance is purchased against a huge amount of money so that your car is protected against any liability in the future. By liability we mean theft, fire, accident etc. There are many Cheap Insurance Online companies available and most of them are available over the internet.
Suppose you own a BMW and you are worried about its safety. Then it would be definitely a wise option that you get a Cheap Insurance Online. Nowadays, it is easy to find out about insurance. Just type car insurance in the search engine and you will find many websites. You can now choose the ideal company which suits your requirements. It is very beneficial because you can now see car insurance quotes of various companies. Some well known car insurance companies give discounts which are available as a promotional scheme on special occasions.
There are many factors which you need to consider before applying for your BMW. Think twice before you answer the advertisements. You may think it may be the best Cheap Insurance Online however it may not turn out to be the best Cheap Insurance Online. It may be a trick to get you however not gives you the discount after all. While accepting your application companies might consider your age, risk and even gender.
Again region also may also affect your policy. If you are a young customer you may have to pay higher premiums. In short, car insurance is beneficial but it is not simple to get it as it seems. Be sure to have a Cheap Insurance Online and be insured right now.
Visit OnlineInsuranceNow to find Cheap Insurance Online. OnlineInsuranceNow also specializes in helping you find Car Insurance Virginia.
Article Source: http://EzineArticles.com/?expert=Ben_C_Hoss
Wednesday, 3 February 2010
Where to Find the Cheapest Car Insurance
Want to find the cheapest car insurance that you can? You're not alone. These days, we're all short on cash. If you're trying to get a break when it comes to your auto insurance policy, the quickest way to find out where the best prices is are is online. You'll find plenty of comparison shopping tools that make it easy for you to make an educated decision.
Car insurance can be very expensive. You owe it to yourself to find out if you can get cheaper coverage than you have now. The one thing that you don't want to do is cut your coverage short. If you're in a car accident, it's easy to fall to financial ruin if you don't have the benefits that you need.
Every state has their own insurance division that controls the requirements that must be met in order to drive a vehicle in the state where you live. The first thing you should always do-particularly when you move to a new state-is find out what the requirements are. The last thing you need when you're already short on funds is end up with steep fines.
Once you know you've got all of that covered, you need to take a good hard look at the different components of the different car insurance policies that you're considering. If there are a lot of optional riders, read through them carefully. Find out what sort of coverage is advisable for your area and demographic.
It doesn't matter if you've never had an accident or ticket before. You can never say never. Just because you're looking for the best deal, it doesn't mean that you have to short change yourself when it comes to policy benefits or deductibles. If you set your deductible too high, you may end up hurting yourself more in the end.
A deductible is the amount of money you have to pay out of pocket when there's an accident or other claim before the insurance company will take care of the bills. Keep a moderate deductible that you can afford in the event you are the cause of an accident.
Get the cheapest car insurance that you can without hanging yourself out on the line. You can get discounts for a multitude of reasons. Don't expect to be told about these special incentives, though. You'll have to ask in order to get them. Find out what all you can do to drop your monthly insurance payments even lower-ask about multi line discounts and good driver incentives, too.
Want to find the cheapest car insurance that you can? You're not alone. These days, we're all short on cash. Start saving now by checking out our ins quote video.
Article Source: http://EzineArticles.com/?expert=Ted_Kripps
Car insurance can be very expensive. You owe it to yourself to find out if you can get cheaper coverage than you have now. The one thing that you don't want to do is cut your coverage short. If you're in a car accident, it's easy to fall to financial ruin if you don't have the benefits that you need.
Every state has their own insurance division that controls the requirements that must be met in order to drive a vehicle in the state where you live. The first thing you should always do-particularly when you move to a new state-is find out what the requirements are. The last thing you need when you're already short on funds is end up with steep fines.
Once you know you've got all of that covered, you need to take a good hard look at the different components of the different car insurance policies that you're considering. If there are a lot of optional riders, read through them carefully. Find out what sort of coverage is advisable for your area and demographic.
It doesn't matter if you've never had an accident or ticket before. You can never say never. Just because you're looking for the best deal, it doesn't mean that you have to short change yourself when it comes to policy benefits or deductibles. If you set your deductible too high, you may end up hurting yourself more in the end.
A deductible is the amount of money you have to pay out of pocket when there's an accident or other claim before the insurance company will take care of the bills. Keep a moderate deductible that you can afford in the event you are the cause of an accident.
Get the cheapest car insurance that you can without hanging yourself out on the line. You can get discounts for a multitude of reasons. Don't expect to be told about these special incentives, though. You'll have to ask in order to get them. Find out what all you can do to drop your monthly insurance payments even lower-ask about multi line discounts and good driver incentives, too.
Want to find the cheapest car insurance that you can? You're not alone. These days, we're all short on cash. Start saving now by checking out our ins quote video.
Article Source: http://EzineArticles.com/?expert=Ted_Kripps
Cheap Female Car Insurance - What You Need to Know
It doesn't matter who you are, we all love saving money. Here are a few things you need to know in order to find cheap female car insurance. These ideas can also be used to save money in other areas of your life.
Set a Budget
One of the most important aspects of saving money is to set a budget and track your expenses. An easy way to do this is to simply grab a sheet of blank paper or open up Microsoft Excel on your home computer and list your expenses. After you've listed your expenses, put them into categories and then set a budget by going through each expense, looking for ways to cut back on unnecessary expenditures. After you've set your budget, make sure you track it and report and record how you did at the end of the month. Follow this simple system, and make wise investments, and you'll be surprised at how much your saving will grow.
Use Security Features
Many insurance providers give unique discounts to drivers who install and use security features on their vehicles. For example, if you decide to install a security alarm on your vehicle, or use other devises such as a wheel lock, you might quality for a discount.
Purchase an Individual Policy
When looking for the best policy and coverage, a great potential way to save some extra cash is by purchasing an individual policy specifically for you. It's no big secret that women can often obtain cheaper car insurance then men. By having a specific policy just you, some car insurance providers may offer you a lower rate.
Empower Yourself! Find Cheap Car Insurance for women by obtaining quotes from top providers for FREE! You can do it all with the simple click of a button: http://www.freecarinsurancequote4u.com
Article Source: http://EzineArticles.com/?expert=James_R._Roberts
Set a Budget
One of the most important aspects of saving money is to set a budget and track your expenses. An easy way to do this is to simply grab a sheet of blank paper or open up Microsoft Excel on your home computer and list your expenses. After you've listed your expenses, put them into categories and then set a budget by going through each expense, looking for ways to cut back on unnecessary expenditures. After you've set your budget, make sure you track it and report and record how you did at the end of the month. Follow this simple system, and make wise investments, and you'll be surprised at how much your saving will grow.
Use Security Features
Many insurance providers give unique discounts to drivers who install and use security features on their vehicles. For example, if you decide to install a security alarm on your vehicle, or use other devises such as a wheel lock, you might quality for a discount.
Purchase an Individual Policy
When looking for the best policy and coverage, a great potential way to save some extra cash is by purchasing an individual policy specifically for you. It's no big secret that women can often obtain cheaper car insurance then men. By having a specific policy just you, some car insurance providers may offer you a lower rate.
Empower Yourself! Find Cheap Car Insurance for women by obtaining quotes from top providers for FREE! You can do it all with the simple click of a button: http://www.freecarinsurancequote4u.com
Article Source: http://EzineArticles.com/?expert=James_R._Roberts
Tuesday, 2 February 2010
Get Cheap Car Insurance Online
In most countries around the world insurance is compulsory for a car as for other vehicles but the compulsion is only limited to having an insurance and not to any particular bank or financial institution. Thus choosing the best and the cheapest car insurance become crucial when looking for an insurance for your vehicle.
Car Insurance becomes vital when our car meets with an accident as the amount received from the company may not be sufficient to cover the damages incurred, that's where having a cheap insurance becomes crucial. Over the internet we can browse through a number of insurance companies and a million of cheap car insurance schemes but what really matters is the actual amount that a customer has to pay and the coverage levels.
A Cheap Car Insurance should not only be cheap in terms of money we pay as a premium but only in terms of its coverage area. Cheap Insurance should usually cover losses against theft, fire accidents and other road accidents, what a cheap car insurance should not cover is losses against road rages etc. The term "excess" is not clearly explained by some insurance companies so when looking for the right cheap insurance company one should read the term "excess" as defined by the company. Most companies define the term excess as some amount of the money that is part of the claim which is not covered by the insurance company.
One of the major problems with getting the right cheap car insurance across the globe is the way in which these insurance companies calculate the deprecation of cars over the years. Suppose if one loses his car within one year due to robbery etc, he would get a bigger sum as compared to the person whose car is lost after two years of buying. This fact is where most cheap car insurance companies play their tricks, in some companies this difference between these two amounts is really huge while in others it is comparatively low.
The cheap car insurance is a much broader term covering many other factors like the cause of accidents, whether the other party involved had an insurance or not. All this factors are taken into account whenever a claim amount is calculated. Thus getting a cheap car insurance is a process which involves knowing the conditions laid by the insurance company and these must be analyzed before taking any car insurance.
NetCars, one of the UK's leading motoring websites for used cars. First established in January 2000, it provides car loans, finance and warranty. NetCars also provides a cheap car insurance [http://www.netcars.co.uk/carinsurance] service.
Article Source: http://EzineArticles.com/?expert=Robin_Brain
Car Insurance becomes vital when our car meets with an accident as the amount received from the company may not be sufficient to cover the damages incurred, that's where having a cheap insurance becomes crucial. Over the internet we can browse through a number of insurance companies and a million of cheap car insurance schemes but what really matters is the actual amount that a customer has to pay and the coverage levels.
A Cheap Car Insurance should not only be cheap in terms of money we pay as a premium but only in terms of its coverage area. Cheap Insurance should usually cover losses against theft, fire accidents and other road accidents, what a cheap car insurance should not cover is losses against road rages etc. The term "excess" is not clearly explained by some insurance companies so when looking for the right cheap insurance company one should read the term "excess" as defined by the company. Most companies define the term excess as some amount of the money that is part of the claim which is not covered by the insurance company.
One of the major problems with getting the right cheap car insurance across the globe is the way in which these insurance companies calculate the deprecation of cars over the years. Suppose if one loses his car within one year due to robbery etc, he would get a bigger sum as compared to the person whose car is lost after two years of buying. This fact is where most cheap car insurance companies play their tricks, in some companies this difference between these two amounts is really huge while in others it is comparatively low.
The cheap car insurance is a much broader term covering many other factors like the cause of accidents, whether the other party involved had an insurance or not. All this factors are taken into account whenever a claim amount is calculated. Thus getting a cheap car insurance is a process which involves knowing the conditions laid by the insurance company and these must be analyzed before taking any car insurance.
NetCars, one of the UK's leading motoring websites for used cars. First established in January 2000, it provides car loans, finance and warranty. NetCars also provides a cheap car insurance [http://www.netcars.co.uk/carinsurance] service.
Article Source: http://EzineArticles.com/?expert=Robin_Brain
Monday, 1 February 2010
Go Compare Car Insurance - Reviews
Review Number 1
Firstly, let me state, about the people moaning about the advert for gocompare! its absolutely brilliant!
I used Go Compare to purchase my car insurance and I am very happy with the deal that I got. I was happy that it was comparing enough websites and that the prices were in similar range that I didn't think that I was getting ripped off.
Go Compare is a simple and easy to use service which I would thoroughly recommend, I found putting in ridiculous amounts of car insurance details very time consuming before, when I completed my search for the insurance I wanted the quote was already entered into the corresponding companies system and it stopped me filling out the details again.
It was very easy to compare the different details of each individual policy (what was provided and what was not) as well as go back and make changes to (for instance excess) details and see the effects that this would have on my policy.
Great comparison web site.
Summary: definitely would recommend
Review Number 2
As a young driver, finding the best price for insurance is very important to me, as it can save me hundreds of pounds in paying for expensive insurance (and considering I have paid over £2,000 now and not had any claims, I think I have earnt the right to cheaper insurance!). The prices between the two best quotes for a renewal I received from gocompare varied by £100 a year and gave me other features that would come up in the terms of my insurance, such as windscreen cover, total excess, courtesy car etc.
The layout of the site is very easy to use and navigate around, and it does save time when compared to contacting all the insurance companies for their best price.
Having also tried the other comparison sites, I would rank gocompare highly along with confused.com and better than money supermarket. The advert also is very annoying too but I'm sure that many people already know that by now.
Summary: A good comparison site for car insurance
Review Number 3
I used gocompare recently as I have just passed my driving test and wanted to get some quotes for insurance on my car. Gocompare is a price comparison site and the main advantage of it is that you put in your details as you would normally to get a quote in a similar way you would if you were enquiring directly with an insurer, but instead of getting one quote, you are given about 20-30 from lots of different companies allowing you to select the cheapest deal.
When you first log onto the site you will need to choose a user name and password and you are then forwarded to a page which allows you to 'start a new quote'. In this section, you must enter all of your personal details for the quote to be successful. They will ask you questions such as you age, address and postcode, how long you have been driving, details of you car and how long you have held you license, as well as any history of driving offences or insurance claims - make sure you are accurate in this section as any false information given can invalidate any insurance policy you end up going with.
When you have finished entering these details, you simply click 'Go Compare' and are given a list of possible insurance deals. What I liked about this section is that it gives the quotes in price order so that the cheapest is first. The results are presented on a table which lets you compare what you are getting for your money, for example, windscreen cover included, courtesy car and legal cover included. This not only has the potential to save you a lot of money, but also saves you time in entering the same details on thirty different sites were you to do it manually. It also allows you to save up to ten quotes on different cars, so if you are considering buying a car, you can save and go back to compare insurance quotes against the price you are paying for the motor (another handy feature).
Once you have selected the quote you would like to learn more about - there is a function on the compare table that redirects you to the company providing the quote - generally this is to the contact section of their website. You can then call them and quote the unique reference number given to you by go compare.
As I said, I used this service recently and got a really good deal, as I have just passed my test I was expecting quotes to be high and most were in the region of around £2000 ( I drive a 1.9TDi), the deal I was given cost me £1500 in total so I was really impressed.
The only downside I found to this site that was I was plagued with telephone calls from the other insurers who didn't offer the best quote asking me if I was still interested in insurance. They promised to try and match the best quote I had but none of them did (in fact, none of them came close). The phone calls did stop after about a week, I do occasionally get the odd email though, a small price to pay however for a £500 saving in my opinion.
Summary: Easy to Use and Saves alot of time!
Sunday, 31 January 2010
These Car Insurance Tips Can Save you a Bundle
With the rising number of car accidents and the rising cost of car insurance these days you want to be sure you're getting the best insurance at the best rate. Here are three car insurance tips that will show you how to save the most amount of money.
Car Insurance Tips
Car Insurance Tip #1 - Shop for quotes. Shopping for quotes is by far the best way to save the most money on your insurance premium. There are a number of websites that will give you quotes from top insurance companies so you can compare them and get the cheapest rate. (See links below.)
I've known people who've saved $500 to $1,000 on their car insurance simply by switching companies.
Car Insurance Tip #2 - Increase your deductibles. A deductible is the amount you pay on a claim before your insurance kicks in. Most of us never file claims for small amounts of damage because insurance companies can hike up your rates if you file too many claims, so it only makes sense to increase your deductible to an amount you feel comfortable with.
Increasing your collision deductible from $200 to $500 will cut your yearly premium by 15% to 30%. Increasing it to $1,000 can cut your premium in half.
Car Insurance Tip #3 - Drop collision coverage. Collision covers the cost of repairing damage to your car regardless of who was at fault. If you drive an older car, consider dropping collision coverage if your premium is equal to 10% or more of your car's value.
Dropping your collision coverage can save you $300 to $500 a year depending on the age and make of your car.
Visit http://www.LowerRateQuotes.com or click on the following link to get car insurance rates from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your insurance questions from an insurance expert by using their online chat service.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on money-saving car insurance tips.
Article Source: http://EzineArticles.com/?expert=Brian_Stevens
Car Insurance Tips
Car Insurance Tip #1 - Shop for quotes. Shopping for quotes is by far the best way to save the most money on your insurance premium. There are a number of websites that will give you quotes from top insurance companies so you can compare them and get the cheapest rate. (See links below.)
I've known people who've saved $500 to $1,000 on their car insurance simply by switching companies.
Car Insurance Tip #2 - Increase your deductibles. A deductible is the amount you pay on a claim before your insurance kicks in. Most of us never file claims for small amounts of damage because insurance companies can hike up your rates if you file too many claims, so it only makes sense to increase your deductible to an amount you feel comfortable with.
Increasing your collision deductible from $200 to $500 will cut your yearly premium by 15% to 30%. Increasing it to $1,000 can cut your premium in half.
Car Insurance Tip #3 - Drop collision coverage. Collision covers the cost of repairing damage to your car regardless of who was at fault. If you drive an older car, consider dropping collision coverage if your premium is equal to 10% or more of your car's value.
Dropping your collision coverage can save you $300 to $500 a year depending on the age and make of your car.
Visit http://www.LowerRateQuotes.com or click on the following link to get car insurance rates from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your insurance questions from an insurance expert by using their online chat service.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on money-saving car insurance tips.
Article Source: http://EzineArticles.com/?expert=Brian_Stevens
Saturday, 30 January 2010
How To Choose College Student Car Insurance
A car to a college student is like treasure to a pirate. Having a car at college is a luxury that not many students get to have.
Most students ride their bikes or walk to class, but if you are one of the few who gets to drive to campus and take long trips on the weekend, then you have to be prepared for the responsibility of owning a car. And that means you have to be covered with student car insurance.
Besides tuition and books, car insurance for students is one of the biggest expenses a student will pay in college. But if you are careful about choosing your student auto insurance, you will be able to work the payments into your student budget and still manage to save money in your savings account.
The Basics of Student Car Insurance
Finding cheap car insurance for students can be difficult since younger drivers usually have higher premium payments to make. It has nothing to do with you personally, but young drivers just tend to make more insurance claims than older drivers, so insurance companies will charge you more so they can make more money.
There are also other factors that can affect the amount a student will pay for student car insurance, such as:
* Age
* Gender
* Driving record
* Location of vehicle
* Damage history of vehicle
* Distance driven daily
You can't avoid these factors when you are applying for student auto insurance, but there are many ways that you can lower your premium payments. You just need to take the right steps towards choosing your student insurance.
Tips for Choosing Your Student Car Insurance
You can't avoid being young and in college, but there are steps you can take to lower your student car insurance payments. And even though you want to find an insurance company that offers car insurance specifically for students, not all of them do, so if you can't get student car insurance, then follow these tips to get a cheaper car insurance plan:
Shop Around for Options
Find out as much information as you can for at least 3 different insurance companies. Compare their premium quotes and see who has the best benefits for your money.
Know Plan Basics
Knowing the basics of a student car insurance plan is very important in choosing the right kind of plan for your needs. Not all car insurance for students is the same, but the parts that make up the plan usually cover the same areas.
Here are the six basic parts of a student car insurance plan:
1) Bodily Injury - Covers you for bodily injury you might have caused to another person.
2) Personal Property Liability - Covers damage or injury you might have caused to another person's property.
3) Collision - Covers you for any type of accident with another car or with an object like a parking meter or a utility pole.
4) Comprehensive - Covers you in case someone steals your car or something in it, or the weather damages your car. It is best to get both of these types of student car insurance coverage.
5) Personal Injury Protection (PIP) - Covers medical costs and any lost wages from a job for the policy holder and any injured passengers.
6) Uninsured Motorist - Covers you for accidents with motorists who do not have car insurance. Also covers you for hit-and-run accidents.
Maintain Good Grades
Many insurance companies offer discounts to students who maintain a B average or higher. Make sure you bring proof of your grades when you apply for your car insurance.
Apply for all Discounts
Even if you get a student discount, always apply for any discount that the insurance company is offering. Most insurance companies will offer you a great deal if you purchase multiple insurance plans together, like car and renter's insurance, and they might even offer you a family discount if you sign up for the same insurance as your family members.
Buy the Right Car
Before you even get student car insurance, you need to get a car that is right for you. Car insurance is often based on a car's safety probability, so high speed sports cars and smaller cars have a greater risk of damage. They are also more likely to be targeted by thieves, so you should buy a more practical car with good gas mileage and reliability rather than a car that costs more than your entire student budget.
Walk or Bike More, Drive Less
Even if you have a car, that doesn't mean you have to use it everyday. If you live on campus and you're close to class, either walk or ride a bike and save on gas money. Some insurance companies will give you a low-mileage car insurance deduction if you drive below a certain number of miles each year, so save your long-distance car driving for the weekends.
Increase Your Deductible
If you increase your deductible - the amount you pay towards a claim before your insurance company pays - then you can save from 15% to 40% on your student car insurance premium.
Install Secure/Anti-Theft Devices
If your car's seat belts and airbags don't' work, you should get them fixed as soon as possible. Also, if you don't have an alarm system, get one installed. The safer you are against accidents and burglaries, then the less your car insurance company will have to pay and the less you'll have to pay to them.
Be a Safe Driver
The most important step you can take towards lowering your student auto insurance is to be a safe driver. The fewer driving violations and auto accidents that you have the more money you will save with your car insurance. That means you should never drink and drive, you should park your car in a safe area or in a garage and you should always maintain the proper speed limit.
College should be both a fun and safe experience, so if you have a car and use it as part of your daily routine, always have student car insurance for protection.
Trish Smith is a copywriter for Green Student U, Student Finance Domain and Study Abroad Domain, websites that are devoted to providing college students with helpful environmental, financial and study abroad advice.
Article Source: http://EzineArticles.com/?expert=Trish_Smith
Most students ride their bikes or walk to class, but if you are one of the few who gets to drive to campus and take long trips on the weekend, then you have to be prepared for the responsibility of owning a car. And that means you have to be covered with student car insurance.
Besides tuition and books, car insurance for students is one of the biggest expenses a student will pay in college. But if you are careful about choosing your student auto insurance, you will be able to work the payments into your student budget and still manage to save money in your savings account.
The Basics of Student Car Insurance
Finding cheap car insurance for students can be difficult since younger drivers usually have higher premium payments to make. It has nothing to do with you personally, but young drivers just tend to make more insurance claims than older drivers, so insurance companies will charge you more so they can make more money.
There are also other factors that can affect the amount a student will pay for student car insurance, such as:
* Age
* Gender
* Driving record
* Location of vehicle
* Damage history of vehicle
* Distance driven daily
You can't avoid these factors when you are applying for student auto insurance, but there are many ways that you can lower your premium payments. You just need to take the right steps towards choosing your student insurance.
Tips for Choosing Your Student Car Insurance
You can't avoid being young and in college, but there are steps you can take to lower your student car insurance payments. And even though you want to find an insurance company that offers car insurance specifically for students, not all of them do, so if you can't get student car insurance, then follow these tips to get a cheaper car insurance plan:
Shop Around for Options
Find out as much information as you can for at least 3 different insurance companies. Compare their premium quotes and see who has the best benefits for your money.
Know Plan Basics
Knowing the basics of a student car insurance plan is very important in choosing the right kind of plan for your needs. Not all car insurance for students is the same, but the parts that make up the plan usually cover the same areas.
Here are the six basic parts of a student car insurance plan:
1) Bodily Injury - Covers you for bodily injury you might have caused to another person.
2) Personal Property Liability - Covers damage or injury you might have caused to another person's property.
3) Collision - Covers you for any type of accident with another car or with an object like a parking meter or a utility pole.
4) Comprehensive - Covers you in case someone steals your car or something in it, or the weather damages your car. It is best to get both of these types of student car insurance coverage.
5) Personal Injury Protection (PIP) - Covers medical costs and any lost wages from a job for the policy holder and any injured passengers.
6) Uninsured Motorist - Covers you for accidents with motorists who do not have car insurance. Also covers you for hit-and-run accidents.
Maintain Good Grades
Many insurance companies offer discounts to students who maintain a B average or higher. Make sure you bring proof of your grades when you apply for your car insurance.
Apply for all Discounts
Even if you get a student discount, always apply for any discount that the insurance company is offering. Most insurance companies will offer you a great deal if you purchase multiple insurance plans together, like car and renter's insurance, and they might even offer you a family discount if you sign up for the same insurance as your family members.
Buy the Right Car
Before you even get student car insurance, you need to get a car that is right for you. Car insurance is often based on a car's safety probability, so high speed sports cars and smaller cars have a greater risk of damage. They are also more likely to be targeted by thieves, so you should buy a more practical car with good gas mileage and reliability rather than a car that costs more than your entire student budget.
Walk or Bike More, Drive Less
Even if you have a car, that doesn't mean you have to use it everyday. If you live on campus and you're close to class, either walk or ride a bike and save on gas money. Some insurance companies will give you a low-mileage car insurance deduction if you drive below a certain number of miles each year, so save your long-distance car driving for the weekends.
Increase Your Deductible
If you increase your deductible - the amount you pay towards a claim before your insurance company pays - then you can save from 15% to 40% on your student car insurance premium.
Install Secure/Anti-Theft Devices
If your car's seat belts and airbags don't' work, you should get them fixed as soon as possible. Also, if you don't have an alarm system, get one installed. The safer you are against accidents and burglaries, then the less your car insurance company will have to pay and the less you'll have to pay to them.
Be a Safe Driver
The most important step you can take towards lowering your student auto insurance is to be a safe driver. The fewer driving violations and auto accidents that you have the more money you will save with your car insurance. That means you should never drink and drive, you should park your car in a safe area or in a garage and you should always maintain the proper speed limit.
College should be both a fun and safe experience, so if you have a car and use it as part of your daily routine, always have student car insurance for protection.
Trish Smith is a copywriter for Green Student U, Student Finance Domain and Study Abroad Domain, websites that are devoted to providing college students with helpful environmental, financial and study abroad advice.
Article Source: http://EzineArticles.com/?expert=Trish_Smith
Friday, 29 January 2010
How to Get Cheap Car Insurance for Lady Drivers
Here's something you may not know! There is a very good chance that the car insurance rate you are paying right now is a direct result of your gender. Sometimes your gender will play a very significant role in the rate that you are quoted for car insurance. When it comes to car insurance rates, women drivers tend to pay cheaper premiums than men. This is because statistically speaking, women drivers tend to be more reliable drivers in general, who drive vehicles which a re safer, and who tend to file significantly less insurance claims. Not all women drivers are better than men when it comes to driving, but many car insurance companies are picking up on what the statistics are saying, and are adjusting their rates accordingly. This is a common practice for insurance companies both in the United States and in the United Kingdom as well. In fact, in the United Kingdom there are agencies which exist solely to find low cost insurance options for women drivers. Many of these agencies can be found simply by doing a basic search on the internet. Cheap car insurance for lady drivers is typically fairly easy to find, provided that you qualify for the insurance that you are applying for.
Car insurance companies have spent many years doing research on data pertaining to men and women drivers, and many of the findings have pointed directly toward the idea that women drivers are simply safer and more reliable drivers than men are. For example, women drivers do not appear to be involved in near as many accidents as men drivers are, and when they are involved in accidents the amount of damage involved is typically significantly less. This may be because they are more cautious in general, or it may have to do with the fact that they choose safer cars in general. Additionally, women drivers are much more likely to pass their driver's license exam on the first try, which is not nearly as typical for male drivers. This has nothing to do with the fact that one gender is more intelligent than the other, and is likely because women take the initiative to spend more time practicing and studying before the exam.
These statistics have led car insurance companies to re-evaluate the way that they offer car insurance premiums to female drivers. As a result, insurance providers are much more likely to offer cheaper car insurance premiums to women drivers than to men. So women are not being offered cheaper rates simply because they are women -- They are being offered these rates because the statistics show that it would not be a dangerous bet to offer a lower rate to a safer driver. It has nothing to do with the fact that car insurance companies tend to favor women, or because car insurance companies have been led to believe that gender has anything to do with actual driving skills. All it means is that the statistics have shown that women driver tends to be safer and much more cautious than a male driver, which makes them a safer bet when it comes to automobile insurance risk.
Though women drivers may get lower car insurance rates than men, they are still subjected to all of the exact same criteria when it comes to determining whether or not they will be approved for car insurance, and what quote will be offered to them. All of the following criteria play a part in determining whether or not you will qualify for cheap car insurance.
• The driving record and driving history of the policyholder, and anyone else that will be driving the vehicle.
• The location where the policyholder lives, and where the car will be parked.
• Details about the vehicle, including the make, model and year. Additionally, the vehicle will typically have to pass a safety inspection or at least appear to be in safe working order.
• The credit score and history for the policyholder. Credit history plays a part in whether or not car insurance is awarded in order to insure that insurance is only granted to responsible persons who can handle the monthly premium payments.
• The age and experience of the driver and the policyholder also play a part in the decision. On one hand, many young drivers can acquire special deals and discounts on their insurance policies because they are new to driving, but some insurance policies tend to charge more instead because new and inexperienced drivers are more prone to having accidents or incurring traffic violations which can negatively affect their premiums.
In order to make it easier to find cheap car insurance for lady drivers, it is necessary to practice all of the following:
• Safe driving habits.
• Driving vehicles which are known to be safe.
• Parking or storing vehicles in locations which are safe.
• Paying attention to their driving records and making improvements whenever it is possible.
• Paying attention to their credit scores and reports and making improvements whenever it is possible.
The statistics that have led car insurance companies to offer cheaper premiums to women drivers were never meant to be sexist or discriminatory, but they have done a lot to help women drivers secure car insurance premiums which are inexpensive. This does not mean that men cannot turn around and secure car insurance rates that are just as affordable, but it is generally a lot easier for a female to find the cheap rates than for a male to. Hopefully the rising costs of car insurance premiums will urge more male drivers to take up safe driving habits or to drive cars which are safer in general. If men drove as cautiously as women drivers do, their car insurance premiums would likely be just as inexpensive.
For more information about Cheap Car Insurance for Lady Drivers visit http://www.InsuranceSalesman.comwhere we also have comprehensive guides to Buying Car Insurance with Bad Credit and Cheap Auto Insurance in Texas
Article Source: http://EzineArticles.com/?expert=Stuart_Brown
Car insurance companies have spent many years doing research on data pertaining to men and women drivers, and many of the findings have pointed directly toward the idea that women drivers are simply safer and more reliable drivers than men are. For example, women drivers do not appear to be involved in near as many accidents as men drivers are, and when they are involved in accidents the amount of damage involved is typically significantly less. This may be because they are more cautious in general, or it may have to do with the fact that they choose safer cars in general. Additionally, women drivers are much more likely to pass their driver's license exam on the first try, which is not nearly as typical for male drivers. This has nothing to do with the fact that one gender is more intelligent than the other, and is likely because women take the initiative to spend more time practicing and studying before the exam.
These statistics have led car insurance companies to re-evaluate the way that they offer car insurance premiums to female drivers. As a result, insurance providers are much more likely to offer cheaper car insurance premiums to women drivers than to men. So women are not being offered cheaper rates simply because they are women -- They are being offered these rates because the statistics show that it would not be a dangerous bet to offer a lower rate to a safer driver. It has nothing to do with the fact that car insurance companies tend to favor women, or because car insurance companies have been led to believe that gender has anything to do with actual driving skills. All it means is that the statistics have shown that women driver tends to be safer and much more cautious than a male driver, which makes them a safer bet when it comes to automobile insurance risk.
Though women drivers may get lower car insurance rates than men, they are still subjected to all of the exact same criteria when it comes to determining whether or not they will be approved for car insurance, and what quote will be offered to them. All of the following criteria play a part in determining whether or not you will qualify for cheap car insurance.
• The driving record and driving history of the policyholder, and anyone else that will be driving the vehicle.
• The location where the policyholder lives, and where the car will be parked.
• Details about the vehicle, including the make, model and year. Additionally, the vehicle will typically have to pass a safety inspection or at least appear to be in safe working order.
• The credit score and history for the policyholder. Credit history plays a part in whether or not car insurance is awarded in order to insure that insurance is only granted to responsible persons who can handle the monthly premium payments.
• The age and experience of the driver and the policyholder also play a part in the decision. On one hand, many young drivers can acquire special deals and discounts on their insurance policies because they are new to driving, but some insurance policies tend to charge more instead because new and inexperienced drivers are more prone to having accidents or incurring traffic violations which can negatively affect their premiums.
In order to make it easier to find cheap car insurance for lady drivers, it is necessary to practice all of the following:
• Safe driving habits.
• Driving vehicles which are known to be safe.
• Parking or storing vehicles in locations which are safe.
• Paying attention to their driving records and making improvements whenever it is possible.
• Paying attention to their credit scores and reports and making improvements whenever it is possible.
The statistics that have led car insurance companies to offer cheaper premiums to women drivers were never meant to be sexist or discriminatory, but they have done a lot to help women drivers secure car insurance premiums which are inexpensive. This does not mean that men cannot turn around and secure car insurance rates that are just as affordable, but it is generally a lot easier for a female to find the cheap rates than for a male to. Hopefully the rising costs of car insurance premiums will urge more male drivers to take up safe driving habits or to drive cars which are safer in general. If men drove as cautiously as women drivers do, their car insurance premiums would likely be just as inexpensive.
For more information about Cheap Car Insurance for Lady Drivers visit http://www.InsuranceSalesman.comwhere we also have comprehensive guides to Buying Car Insurance with Bad Credit and Cheap Auto Insurance in Texas
Article Source: http://EzineArticles.com/?expert=Stuart_Brown
The Easiest Way to Save Money on Car Insurance
In today's economy saving money is high on everyone's list. Saving money on car insurance is no exception. The number one way to save money is to raise your deductible. Believe it or not, raising your deductible can lower your payments up to 40%. Your deductible is the amount you are responsible for in the event you have an accident. In the event you're not able to raise your deductible, it's time to start shopping around.
The car insurance agency is a cut throat business and these companies will do almost anything to keep or gain business. The easiest way to shop around for insurance is to start online. There are many services that provide car insurance calculators that give you a basic idea of how much you would spend with their company.
Make sure you check for any discounts that might be awarded to you. These may include, but are not limited to; combined coverage, low mileage, senior citizens, driving courses, and group discounts. Also make sure you take advantage of the many safety features that your car may have. Most companies give discounts for anti-lock brakes, the number of airbags your car has, anti-theft devices, and more.
Your credit score is a large determination of your premium. If you have bad credit it is in your best interest to try to clean it up as much as possible before trying to apply. Most companies use an insurance risk score to gauge your reputation. A bad credit score is definitely going to mean higher premiums.
If you're ready to save hundreds of dollars a month on car insurance see our Car Insurance Calculator.
Article Source: http://EzineArticles.com/?expert=Shawn_Parker
The car insurance agency is a cut throat business and these companies will do almost anything to keep or gain business. The easiest way to shop around for insurance is to start online. There are many services that provide car insurance calculators that give you a basic idea of how much you would spend with their company.
Make sure you check for any discounts that might be awarded to you. These may include, but are not limited to; combined coverage, low mileage, senior citizens, driving courses, and group discounts. Also make sure you take advantage of the many safety features that your car may have. Most companies give discounts for anti-lock brakes, the number of airbags your car has, anti-theft devices, and more.
Your credit score is a large determination of your premium. If you have bad credit it is in your best interest to try to clean it up as much as possible before trying to apply. Most companies use an insurance risk score to gauge your reputation. A bad credit score is definitely going to mean higher premiums.
If you're ready to save hundreds of dollars a month on car insurance see our Car Insurance Calculator.
Article Source: http://EzineArticles.com/?expert=Shawn_Parker
5 Hot Tips to Reduce Car Insurance Premiums
Even though we are in the worst recession ever seen, car insurance premiums keep rising. It's not only frustrating, it's downright disappointing. Finding a good deal on your car insurance is easy if you know what to do. Most people just accept the current premium they are paying without any second thoughts. Let me share with you the 7 best tips to cut your premiums by um to 30%.
1. Shop around and compare rates. Although this seems like the obvious thing to do most people never shop around once they have coverage. Don't be lazy. A simple phone call or quick search online can save you a significant amount of money every year.
2. See if you qualify to get into a group policy. If you belong to any groups or organizations that offer car insurance you are guaranteed to get a much better rate than you would as an individual.
3. Avoid speeding at all costs. If you do get a ticket see if you have the option of taking a driving class to avoid it showing up on your record. The cleaner you're driving record, the more money you will save.
4. Where and how you use your car is a major influence on your rates. Keep a record of how many miles you drive to and from work and tell your agent.
5. If you're buying a new car consider that a used car is going to be a lot cheaper than a brand new car. Even if the car is a year or two old it will save you a substantial amount of money.
I can emphasize enough that you need to shop around and do your homework. Make sure you use a reputable company that has been in the industry at least 5 years. Never lie about speeding tickets, accidents, or your credit history when applying for new insurance. Every insurance company is going to do a thorough background check and they might deny you for providing false information.
If your ready to save hundreds of dollars a month on car insurance see our Car Insurance Calculator. It provides you with the lowest Car Insurance Rates around.
Article Source: http://EzineArticles.com/?expert=Shawn_Parker
1. Shop around and compare rates. Although this seems like the obvious thing to do most people never shop around once they have coverage. Don't be lazy. A simple phone call or quick search online can save you a significant amount of money every year.
2. See if you qualify to get into a group policy. If you belong to any groups or organizations that offer car insurance you are guaranteed to get a much better rate than you would as an individual.
3. Avoid speeding at all costs. If you do get a ticket see if you have the option of taking a driving class to avoid it showing up on your record. The cleaner you're driving record, the more money you will save.
4. Where and how you use your car is a major influence on your rates. Keep a record of how many miles you drive to and from work and tell your agent.
5. If you're buying a new car consider that a used car is going to be a lot cheaper than a brand new car. Even if the car is a year or two old it will save you a substantial amount of money.
I can emphasize enough that you need to shop around and do your homework. Make sure you use a reputable company that has been in the industry at least 5 years. Never lie about speeding tickets, accidents, or your credit history when applying for new insurance. Every insurance company is going to do a thorough background check and they might deny you for providing false information.
If your ready to save hundreds of dollars a month on car insurance see our Car Insurance Calculator. It provides you with the lowest Car Insurance Rates around.
Article Source: http://EzineArticles.com/?expert=Shawn_Parker
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