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Car Insurance Policies That Fit Your Needs

Sunday, January 3rd, 2010

Because it is the law to have car insurance, it is important to purchase a policy that fits your need. Some policies can be expensive as it may include coverage that you do not need. There are various types of insurance policies that you should be aware of before you make your selection. It may seem a time consuming task to figure out what the various policies include. To make your insurance policy selection easier, below are a few tips on how to find car insurance policies that meets your needs.

1. It is important to understand the different types of insurance coverage available. Liability insurance will cover you in the event that you cause a vehicle accident and cause an accident. It provides coverage if another person sustains property damage and physical injury. Most states and provinces mandate set minimum liability insurance. Collision coverage is insurance that will cover you if your own vehicle is damaged and needs repair as the result of a vehicle accident. It is recommended for those who have valuable cars. Comprehensive coverage is insurance coverage that covers non-collision damage such as vandalism, theft, or damage from a storm. There is also Uninsured Motorist Coverage. This is coverage that covers you for damage an uninsured driver has when driving your car.

2. To find an insurance policy that fits your needs, you should first determine how much you can afford to pay for a plan. You have to have minimum liability coverage so it is important that the coverage you buy is enough to protect you. If you only have minimum liability coverage and you injure someone, your personal assets may be at risk. You have to determine how much you can pay out-of-pocket in the event of an accident. Comparing auto insurance online is a great way to find a deal. Most people will buy high liability coverage to ensure full protection. As well, if you have a car that is not worth very much and plan to replace it soon, you may want to forgo buying collision and comprehensive insurance. Remember, you are compensated for the Kelly Blue Book value of the car.

3. If you are looking to lower your insurance premium, make sure you take advantage of cost cutting incentives. For instance, increasing your deductible will lower your monthly insurance payments. It is important to make sure you can afford the deductible in the event of an accident. For example, if you have a car accident that results in $3000.00 damage, and you have a $500.00 deductible, you will be required to pay the $500.00 before the insurance kicks in. Increasing your deductible means you are taking on more risk, therefore your payments will be lower. Most insurers will provide you with car insurance quotes directly on the Internet after inputting certain factors. Other discounts that may be offered to include low mileage discounts, anti-theft device discounts, multiple vehicle discounts, ‘green’ car discounts, safety feature discounts, and driving program discounts.

When you know all of the car insurance options available, the greater chance you have of purchasing a policy that fits your needs and ensures that you have the appropriate amount of coverage. When searching for car insurance, it is essential to compare at least three different policies from different insurance providers to ensure you are getting the best policy at the best price.

Comparing auto insurance online is a great way to find a deal. Most insurers will provide you with car insurance quotes directly on the Internet after inputting certain factors.

Why You Want International Auto Insurance Plus Where To Get It

Saturday, January 2nd, 2010

Some people enjoy traveling around the world and seeing other cultures different than our own. Some who travel a lot may even choose to stay in a certain country for an extended period of time to live there and truly experience the culture.

But what about transport? Do these people simply rely on others and public transport? This may work for some but a more permanent solution would be to buy or indeed rent a car and sign up for international auto insurance.

Most Americans with auto insurance will find that they are not insured outside of the US, for this reason it is essential that one contact their insurer in order to verify whether their actual policy does or does not cover them abroad.

One company that offers international auto insurance is Geico. Geico started out as an insurance company that insured government employees including the people in the military. Since 1954 Geico has also insured people from America in over two hundred countries around the world.

Basically what they do is locate a local insurance company in the country where the person in question will be staying. Obviously you could do this yourself however you wouldn’t have the contacts they have and so you could end up getting ripped off, not to mention it could be a whole load of hassle especially if you don’t speak the language.

International auto insurance is made easier when people deal with Geico. Geico now sells insurance to everyone in the US and not only government employees. They are very customer friendly and competitively priced.

Other international auto insurance companies available

AIG is one more big name in the international auto insurance game. Like Geico AIG also runs all of their international auto insurance through a subsidiary, in this case by the name of American International underwriters.

They do this in order to get the most protection available in any other country. For those people who now live full time in the country they have visited, AIG now has a service for them too. People can call AIG to find out more information.

Both of these companies are heavily used by Americans in need of international auto insurance, nevertheless there are of course other smaller companies out there that may or may not do a good job.

While both of the international auto insurance companies are close in service and cost, people might just want to call each company to directly compare prices and services.

When dealing with international auto insurance, the main goal is to make sure that a person is genuinely covered from the country they will be in. Both of these companies have a long history of helping Americans overseas.

After looking at American International Auto Insurance why not also see our latest write up about Washington Auto Insurance Quotes.

Auto Insurance -Save On Auto Insurance

Monday, December 28th, 2009

There are so many risks and liabilities associated with driving and owning a car. This is why car owners are required by law to have auto insurance.

What is an auto insurance?

Auto insurance is an agreement between an insured person or group and an insurance company. Its main purpose is to provide you and your car protection against losses and liabilities incurred as a result of accident. Also known as vehicle insurance, car insurance and motor insurance, it is an insurance purchased for vehicles like trucks and cars.

How does an auto insurance work?

The insurance company charges the insured person or group an amount of money, called premiums, as payment for insurance coverage. In return, the person or group insured receives compensation from the company in the event of loss or accident as defined in the policy.

The insurance company issues the insured person or group a proof of insurance, which will be presented if the insured person or group gets involved in an accident or is stopped by law enforcement officials while driving. The proof of insurance serves as evidence that the vehicle is insured for a particular period of time.

Auto insurance comes in several types. Some are required by law while others are optional for all car owners. Expensive cars and sports cars have higher premiums.

The insurance coverage has a very specific insurance policy. Usually, auto insurance gives medical coverage, liability coverage and property coverage. Medical coverage provides payment for medical treatment and rehabilitation as well as lost wages and funeral expenses. Liability coverage pays for the legal responsibility of the car owner to others for property damage or bodily injury. Property coverage pays for damage to or theft of the insured car.

Different auto insurance law, coverage requirements and costs apply in each and every one of the 50 states in the USA. Understanding the laws, coverage regulations and requirements in your state is highly beneficial to you. For one, it can keep you legally protected in an auto accident event. It can also save you significant amount of money on your auto insurance policy.

Here are some tips:

1. Shop for insurance before buying a vehicle to get the best deal possible. Compare insurance quotes first. Do this at least twice a year as rates are always changing. This will increase your chances of finding lower rates as rates vary from company to company.

2. Know the different discounts or premium reductions, or special insurance rates that auto insurances offer and take advantage of them. There are Low Mileage Discount, Good Student Discount, Multi-Car Discount, Safe Vehicle Discount and Good Driver Discount that you can avail of. You can also earn discounts with your Age (being at least 25 years old), your Good Credit Score and by using Car Pooling and Public Transportation. You can also purchase other policies from the same company and/or avoid installment fees to get more discounts.

3. Know the different coverages. Avoid duplicate and unnecessary coverage. When adding physical coverage to a vehicle, consider higher deductibles.

About the Author: Fred Gagnon specializes in providing tips and information on auto insurance. To learn more about auto insurances, visit Auto Insurance Qoutes and Auto Insurance Qoutes Online.

New Orleans Auto Insurance Quotes

Saturday, December 26th, 2009

This coverage will pay for the cost to correct or replace custom parts or equipment on your auto up to a certain limit set by the insurance company. Additional custom parts or equipment coverage are also available for further cost that may cover costs for custom parts that are worth a bit more than the lower limit. This is more of a luxury than an insurance need . Custom parts can occasionally be quite expensive, however this option should only be selected if the custom parts would cost noticeably more than the insurance deductible, which must be paid out-of-pocket anyway.

In the case where you are in an accident and your car is completely totaled, this coverage will insure that your insurance firm will pay off the remaining balance for the loan, or up to 25% of the cash value of the auto, whichever is less. This coverage provides help in the case of a breakdown due to battery failure, flat tire, or any other event that causes it.

Understanding each coverage will enable you to chat with an insurance broker when asking for a quote and to ask for the precise options that you would like, and to request the removal of the ones that you do not want. As an example, if you are an affiliate of AAA already, you don’t have any need for the Roadside help option. If you have excellent healthcare insurance already and live in a state where MedPay or PIP isn’t needed, you are able to save noticeably by removing that coverage too. Once you have streamlined your desired policy to only the options that you know you need and nothing additional, you will be able to contact the highly rated insurance corporations on your list, receive quotes, and obtain the absolute lowest auto insurance rates possible.

Whether you’ve already purchased car insurance, or you are making preparations to start looking, one of the best things you can do to get the lowest possible rates is to improve those things that vehicle insurance companies look at when they figure out your insurance premium. There are many things you can do in the short term to enhance your standing, and there are also things you can do over the long run to improve it as well . This section will describe 4 major components of this method to save money on your auto insurance.

Most auto insurance companies now consider your credit score when determining your premium. Insurers have decided that there’s a correlation between your credit history and potential insurance claim behavior. While age, vehicle, driving history, and location all still have a repercussion on your premium, credit history can also have an effect. Depending on your personal credit score, this can be a great thing, or it can be a bad thing.

Auto Insurance Quotes New Orleans

Steps To Process A Car Accident Insurance Claim

Friday, December 18th, 2009

Filing a claim for accident insurance is very easy, but the anticipation regarding the accident make the process seems very tough to get completed. If you file your claim correctly, in the right way then it should be processed in less than a week?s time, though it may take almost a month before you receive your check for any medical expense or damage.

After an accident, the first thing you must do is ensure that everyone is safe. In case of a grave accident, you must immediately ask someone to cal at 911 for assistance. You must also remember to not rush into admitting your fault. If it gets proved that the accident was not caused due to your mistake, you may still have to have the compensations. Try to get control over the situations, calm people around you and then approach the other driver or drivers

You must not get involved in any other thing except exchanging information with the driver or drivers. Get each other?s names, phone numbers, addresses, and other insurance details. You can wait for the police officer to come and do this for you if the other party seems offended. After the police officer arrives, they will create a report with whatever information available.

Before anything else is done you should take a few quick pictures. Of course, if you are in a busy area they will want to get the cars out of the way as soon as possible, but you need to get pictures before anything is moved. Get pictures of the damage to both cars and the surrounding area.

Remember to call your claims representative as soon as you can. If both parties agree to wait a little, then may be the representative can arrive at the spot. They assist in taking pictures, talk to the witnesses, and get all the information required. The agents will also assist you in filling out the claim form, either in person or over phone. The agents want to know the exact time and place of the accident. It is recommended that you get a police report copy and send it to the insurers if required.

Generally, you are free to leave the scene after you have called your claims representative, taken pictures, and exchanged information with the other car driver or drivers. Even if it is a light accident, you must not and leave the spot without exchanging any information otherwise it would be called a hit and run. The insurance check should come by mail, but this can take weeks or may be a month. You will most likely have to bear all the initial costs from your own pocket.

You can ask several things to the claims agent to clearly understand the claims procedure. You may ask things like your coverage details, as different types of plans offer dissimilar coverage. You may question the agents as to when the remaining paper work is due, though its generally done in less than a week. In case of grave accidents, you may get your lawyer have a look at your legal formalities and paper work.

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

Cheap Car Insurance For Young Drivers

Thursday, December 17th, 2009

Have you ever wondered what exactly is up with cheap car insurance for young drivers and 17 year olds? This informative report can give you an insight into everything you’ve ever wanted to know about car insurance for women and teenagers.

Teenage drivers must take the insurance that is called teenage auto insurance. The problem is that teenagers are new drivers and no experience so insurance companies charge higher premiums due to the risk is high. Auto insurance for cheap is really great and good news. You cannot get it at cheap rate. Auto insurance laws in Montana operate under what is known as a tort system. In a tort system, a driver is responsible for any damages caused by an accident if they are deemed responsible for the accident.

Comprehensive insurance pays for your loss due to natural disasters, fire, or stolen vehicles minus your deductible. This insurance also covers glass replacement due to hitting a deer on the road.

So far, we’ve uncovered some interesting facts about car insurance for women and teenagers. You may decide that the following information is even more interesting.

Auto insurance requirements are at the state level and such decisions are reserved by the state according to the Constitution of the United States. Auto insurance that is mandated by the [state] government(s) is to protect other people, not you. You are required to carry liability insurance to cover damages to other personnel or property, not yourself.

Shopping at Insurance Set makes it easier because you can quickly see multiple companies and their rates for your particular situation. Shopping for rates can be simplified greatly by using the Internet to one’s advantage. Many websites offer quotations online at no charge. Shopping for a car insurance company which sets rates according to multiple tiers can ultimately save you money. Shopping around every so often for the best deal is advised by some; however, consumers need to be sure that the service they expect is still available.

Auto insurance companies always want an estimated number of miles driven, but these numbers are far from accurate. Auto offers you tools to help you get car insurance that meets your needs. Get autos insurance quotes online. In May 2009, the national average for auto insurance was $1,871. The average insurance premium for a Toyota Prius, however, was roughly $1,300. For one thing, teens find it a lot of work to learn driving, to get a license to drive, to shop and buy a vehicle.

Take time to consider the points presented above on cheap car insurance for young drivers and 17 year olds. What you learn may help you overcome your hesitation to take action.

About The Author: InsuranceSet.com helps you to compare cheap car insurance for young drivers and brings you free car insurance for woman hints and tips. You have full permission to reprint this article provided this paragraph and the hyperlinks are kept unchanged.

Health Insurance Today

Tuesday, December 15th, 2009

Health care has become very expensive these days. This is because medical science has gone through a lot of advancement and development over the past few years. This has resulted in the development of new methods that are used to treat ailments and cure various types of diseases. The rising costs of health care have become a problem for all types of people. This is why people go in for what is called health insurance.

The type of insurance which covers all types of medical expenses and health care expenses that people bear is known as health insurance. This insurance can be provided by private firms and agencies or by government funded agencies who deal in insurance policies. Health care insurance can be purchased either individually or by many people together as a group.

Individuals may purchase this insurance for themselves. In this case, the health care insurance becomes individual health care insurance. When this insurance is purchased by an organization to cover the medical expenses of a group of employees, this insurance is called group based health care insurance.

Health insurance is basically a contract between a person and the insurance company. The insurance company may be a government agency, a private company or even a non profit organization. The insurance company evaluates the risks and the health care expenses. On the basis of this projected cost, a financial plan is developed. This financial plan may be developed on a monthly basis in the form of monthly premium or it may be on an annual basis in the form of annual tax, depending upon the requirements of the person getting insured and also on the discretion of the insurance company and its policy.

There are different types of health insurance plans that one can opt for. An employment based health care insurance plan is the one which is provided by the employer or the organization for which a person works.

Direct purchase plans are individual health care insurance plans. These plans can be purchased by any individual. And is individually underwritten.

A comprehensive health insurance plan is the one where only a part of the total medical expenses is paid by the insurance company. You may also here these plans being referred to as catastropic insurance. The main purpose is to cover you if something major should occur, not routine doctor visits.

The scheduled health care insurance plan are the ones which cover the health care expenses which are incurred on a daily basis by the insured persons. Such as; well visits, sick visits and routine exams. Most commonly known as PPO or HMO plans.

Author Jeff Cline is a leading professional in insurance of any type. Whether it be home, health, auto or life insurance he has made sure to offer the best plans. Jeff also specializes in speciality types of insurance, such as; aircraft, event, missionary and travel. No matter your needs with insurance he can help you find what meets your needs and budget. Call today 866-526-9669.

Monthly Car Insurance Payments Can Be Reduced

Thursday, December 10th, 2009

Car insurance is often a costly item in everyone’s budget. While you look forward to your rates dropping as your car gets older, you often find that instead of dropping they continue to climb even higher. There is some good news, particularly for those that pay their car insurance in monthly installments.

The first step is to check on the internet to find quotes for insurance rates; you can compare rates online and doing this can in many cases save you up to 20 percent compared to your current rates. It is easy to get these quotes online, since you can enter the necessary information just once and receive quotes from a number of different insurers at once.

If you pay your car insurance premiums annually, then you will get just one chance to find a better rate each year when your policy is up for renewal. If you make monthly payments instead, it is much easier. You can usually drop your coverage within the policy year as long as you notify your insurance company in advance. Be sure to ask if you will have to pay any sort of fees or penalties, such as a short rate if you cancel before your policy is due for renewal.

Once you tell your insurance company that you have decided to drop your coverage, you will want to make sure that you have the date that you drop your current coverage the same as the date your new policy takes effect. You should look at how much advance notice your insurer requires and notify them by mail, including your name, address and policy number in this notification.

Some people find that they not only can save money but improve the coverage on their policy once they start shopping for rates. While it’s quite tempting to lower deductibles, it’s far better to increase liability limits. If you injure someone in an accident and they sue for more than your liability coverage and win, you pay the difference. That’s a life-changing bill.

You can set up your monthly car insurance payments to be taken directly out of your checking account. With monthly payments, this can actually save you a little bit of money, since many insurers charge you a fee for mailing premium notices to you.

If you already have automatic payments set up, you can still save on your monthly car insurance payments by switching to a different car insurance company. Just contact your insurer and ask them for a cancellation form, if one is needed. This form or a letter informing them of your cancellation should be sent to your insurer along with a note stating that you do not want any payments deducted automatically after your cancellation date. Make a copy of this letter and keep it for your records in case of a dispute or miscommunication.

Are you shopping for car insurance estimates? Need help finding low price car insurance? Visit Cheap-Motor-Car-Insurance.com to get your quote now.

Considerations When Looking At Safe Auto Insurance Quotes

Sunday, December 6th, 2009

It is very easy these days to get good safe auto insurance quotes from the auto insurance companies in your area, however things get a little more complicated when one goes to properly examine each quote for the best deal since there are a number of details people must be aware of first.

A lot of people make the mistake of only really going by the price for each quote. This can be very bad as in reality there are a lot more factors that can affect what you will end up paying in the long run.

If it’s time for you to compare auto insurance quotes, here are some things to consider:

The size of payments

One thing to consider when you compare auto insurance quotes is whether you’re being quoted for three months, six months, or a year; a great deal can turn out to be not so good if you read the fine print and realize that your quote is for shorter than the standard six month coverage period.

Another thing worth mentioning here is that it’s possible that a certain payment structure may suit you better in your situation. This may also be a factor you want to look into even if it is only a small one.

An example of this for instance could be if you came across two companies that offer a similar amount of service at a similar price range but one requires you to pay a big deposit upfront where as the other does not. Naturally you may want to go with the company that does not require a big deposit.

Coverage Amounts

Another thing to look at when you compare safe auto insurance quotes is the amount of coverage you’re receiving for the price you pay. For some, price isn’t an object and they want a lot of coverage.

So if you find that a company’s got a great offer and you have money left over in your budget, consider adjusting the coverage you request with that company.

In other cases, you’ll have coverage amounts dictated by whoever’s in charge of your car loan, so make sure that inexpensive insurance gives the coverage you need.

Company Reputation And Stability

You must beware of some particularly low-priced quotes you may come across if the company is unknown to you. In these cases you should do some research to make sure that the company in question is trustworthy and can truly offer you a good service.

Additionally some of the not so good companies may not be all that great when it comes to actually paying up for damages which is why you should find out what other people are saying about each company before you go forward with them.

So be knowledgeable about the insurance company you do choose when you compare safe auto insurance quotes, compare coverage and rating periods, and you should end up with good coverage at a low price.

Fill out this free form to receive a Safe Auto Insurance Quote or two and then start evaluating.

Really Cheap Car Insurance Is Available for Everyone

Sunday, December 6th, 2009

That’s right. Many of the individuals who have really cheap car insurance have the exact same policy you do. How is that possible? After all, you’ve been paying out the ying-yang for years, and thought you had a pretty good deal. Could you imagine seeing a friend and they pay half of what you do for the same policy? You would be irate right?

We would be as well, and it really hurts when you know you could have spent that extra money on school clothes for the kids, food on the table, or even other monthly obligations. Today we’re going to help you learn how to get really cheap car insurance.

Doesn’t it make sense, if all things are equal to purchase really cheap car insurance as long as you don’t reap any benefits from a local agent? The scenario is similar to the man that paid too much for his airline ticket, there’s no reason for a higher price except for reluctance to take a minute away from the latest email and secure a quote.

What it comes down to is even the insurance companies have salespeople. Instead of working something out with someone over the phone, you can eliminate this problem all together by simply securing a quote online. Just remember you should still do your research and make sure the insurance company you deal with is reputable. The best way to do this is checking your state’s Department of Insurance.

Make certain that you log in the same details of coverage as you have on your present policy when you look for a better rate. If you want to change the limits of liability or deductible, wait until you do your comparison shopping and then switch the coverage before you buy.

We understand you might be sitting there thinking, “What if I have an accident and they send me a cancellation notice?” Well, unfortunately it won’t matter. You could be with them for 10 years and still get one. However, it definitely doesn’t hurt to go with a company that has a huge claims pool in case something happens.

Some people worry that if they have an accident with a new company, they’ll receive a cancellation notice from the company because they have no history with that company. Longevity won’t help you and it might even be detrimental. Companies count other types of claims besides accidents. No matter how long you’ve been with a company, if you have one year where nothing seemed to go right and required towing several times, then had the accident, you’ll be cancelled for too many claims. New companies don’t have records of your towing claims and don’t ask for them.

Once you find how easy it is to buy really cheap auto insurance, you’ll want to compare rates more frequently, but normally every two years is enough. You don’t have to wait for your next premium to find out if you’re paying too much. Find a site and put in your information, you’ll be amazed at how much money you can save.

Want a cheap and quick car insurance quote online? Then visit Cheap-Motor-Car-Insurance.com. Muscle car insurance is also available.