Wednesday, December 24, 2008

Ways to Drive Down Your Auto Insurance Costs

Best Insurance Auto Presents:

Ways to Drive Down Your Auto Insurance Costs

While a lot of motorists believe they are defenseless when it comes to auto insurance, this is simply not the case. There are many tricks and tips that can be done in order to effectively lower your insurance rates today!

One of the most overlooked ways of reducing your insurance is shopping around. Many people believe that all companies will be the same and produce a similar quote. Although this simply isn't true! An insurance company's rates are reflective of many things that may be out of your control in the first place. Extra costs like employees, overhead and advertising, are just some of the costs you could potentially be paying extra for every month!

While popular advertisements by the larger auto insurance companies might be visually pleasing, Insurance Broker Dan Hyaski warns new and long time drivers to be wary of their long term contracts.

Just as there are many different factors that can determine your auto insurance rates, there are just as many ways for you to get a good bargain in the process. If you have recently changed your line of work and it requires less driving than it did previously, you should immediately contact your insurance company in order to ask for a rate reduction, as many companies base their monthly options on probabilities and accident rates: the less you drive the less likely you are to get into an accident. Most insurance companies also take your family life into consideration when determining your rate. For example if you have a car-less teen driver on your account who goes to school over 100 miles away from your home, you are entitled to a discount on your insurance. It is well documented that when you reach the age of 25, your insurance rate will be decreased. However, if you get married before this age, you should make sure to contact and tell your insurance company of the change. They view this act as a sign of growing up and will amend your rates to reflect so.

Many people also do not realize that increasing your comprehensive and collision deductives could potentially save you hundreds a year in insurance costs. In one example, if increase from a $500 deductible to $1000, and it potentially lowers your insurance by $50 over 6 month terms, you have just saved an extra $100 a year.

About The Author:
Nicholas writes for a site offering advice on getting cheaper car insurance, including specialist auto insurance cover for women and new drivers.

Article Source: http://EzineArticles.com/?expert=Nicholas_Hunt




Best Insurance Auto

Friday, December 19, 2008

Auto Insurance - Free Important Tip

Best Insurance Auto Presents:

Auto Insurance - Free Important Tip
By Deepak Kulkarni

If you are looking for information about Auto Insurance, you will find the below related article very helpful. It isn't the same old kind of information that you will find elsewhere on the Internet relating to Auto Insurance.

You have options when considering insurance for your vehicle. You can choose to carry minimal insurance such as liability, but your coverage will be limited. Liability insurance only usually covers damages to others involved, however it will not cover damages to your vehicle. By law, everyone needs to have liability insurance to drive. It is usually a wise choice to add collision and comprehensive insurance to your policy to protect yourself and your investment. Collision insurance will often cover your damages whether you are at fault or not in a situation where you are involved you in an accident. Comprehensive insurance covers occurrences such as fire, theft and vandalism. They can usually be added to your policy separately.

One of the main things which is most likely to affect the cost of your monthly insurance premium or rate when you are buying auto insurance is the way that you drive. If you have made a lot of auto insurance claims in the past then the costs are going to be higher. Learning to drive more carefully is not only good and safe for you; it also has the potential to drastically reduce your auto insurance rates if you can show a pattern of safe driving. This means no vehicle accidents and very few if any speeding tickets from your favorite law enforcement officers.

Always check the cost of insurance before purchasing a car or any other vehicle. The car's sticker price, the cost to repair it, its safety record and chances of theft are the factors that contain the car insurance premiums. The information regarding which car to buy can be gained from the Insurance Institute for Highway Safety.

There are even some insurers that give low cost auto insurance discounts to customers that have been with them for quite a few years. With in a timely manner.

While traffic tickets and auto accidents will increase your premiums, most insurance companies offer deductions to drivers with clean records. Also, some insurance companies will offer a price reduction if you attend a Driver Training School Program and your employer might even pay the cost if you use a company vehicle for your job. Training school discounts may vary between 7-10%.

Many people forget that they can get more information about any subject matter, be it Auto Insurance information or any other on any of the major search engines like Google.com. If you need more information about Auto Insurance, head on to Google.com and be more informed.

Do not wear sunglasses or tinted glasses when driving at night. For many older drivers, night vision is reduced, so safety dictates not driving at twilight or after dark.

We discovered that many people who were also searching for information related to Auto Insurance also searched online for related information such as Car Insurance No Claims Discount, and even Discounted Car Insurance.

So here is chance to get your free tips on Online Auto Insurance and in addition to that get basic information on saving money visit http://information-get.com/autoinsurance

Article Source: http://EzineArticles.com/?expert=Deepak_Kulkarni




Best Insurance Auto

Saturday, December 13, 2008

8 Ways to Get Low Cost Auto Insurance

Best Insurance Auto Presents:

8 Ways to Get Low Cost Auto Insurance

Following these tips will enable you to get the cheapest auto insurance rates:

1. Raise your deductible.

A higher deductible on collision and comprehensive coverage can lower your auto insurance rates. For example, increasing your deductible from $200 to $500 could cut your collision cost by as much as 30%. Since the average annual premium is $687, this can save you $206 per year.

2. Drop collision and/or comprehensive coverage on older cars.

If your car is declared a total loss, you will receive the cash value. If your car is 5 years old or older, it may make sense to cancel the collision and/or comprehensive portion of your policy and bank the savings.

3. Avoid duplicate medical coverage.

If you have adequate health insurance, you may be paying for duplicate medical coverage in your auto insurance rates. In some states, eliminating personal injury protection (PIP) can lower your premium by up to 40%.

4. Drive a "Low-Profile" car.

The auto insurance rates are much higher for cars that are expensive to repair, or are favorite targets for thieves. Before buying a car, determine the auto insurance rates.

5. Drive less.

Some auto insurance companies offer cheap auto insurance quotes to motorists who drive less than a predetermined number of miles a year. Consider using public transportation, a carpool or vanpool to commute to work.

6. Ask for a multi-policy discount.

Some insurance companies give a discount if you have your homeowner policy with them also.

7. Ask for a discount based on your credit score.

Some auto insurance companies use the credit score to establish premiums. If you have a high credit score, ask for a discount.

8. Compare auto insurance rates.

When shopping for the cheapest auto insurance, you will find that prices for the same coverage can vary by hundreds of dollars. So, it pays to compare auto insurance rates.

Get free auto insurance quotes at http://www.howtocutyourexpenses.com


About The Author:
With over 20 years of experience as a personal financial educator and counselor, Vernon Williams has developed in depth knowledge of what it takes to achieve financial success. Today, he is a sought after trainer and speaker by organizations from both the public and private sector. He is the author of 425 Ways to Stretch Your $$$$ and 3 Rules that Guarantee Financial Success.

Article Source: http://EzineArticles.com/?expert=Vernon_L_Williams




Best Insurance Auto

Sunday, December 7, 2008

Cheap Auto Insurance and Saving Money in a Recession

Best Insurance Auto Presents:

Cheap Auto Insurance and Saving Money in a Recession

Is your car insurance going to get more expensive because of the recession? Should you be looking for cheaper auto insurance? Are there ways you can save money? Here are some points to consider.

The recession has everybody thinking about saving money and that includes auto insurance companies. As they lose money on their investments, they may pass those losses on to consumers in the form of a rate increase. What's more, auto insurance fraud tends to increase during a bad economy. This is another financial loss that the industry often passes on to consumers.

Have you seen your rates increase? If so, you should do some comparison quote shopping to find cheaper auto insurance. Rates vary from company to company and that means you could find a lower rate. You'll want to get at least three quotes from different companies. An easy way to do this is to get online auto insurance quotes through a comparison site.

Also, just because it's a recession doesn't mean you should cut your insurance coverages. Now, more than ever, you'll want the peace of mind of financial protection. If you lower your limits of liability to save some money on your premium, you'll open yourself up to a greater financial risk.

However, there are some things you can do to lower your insurance costs.

1. Consider a higher deductible. A higher deductible can lower your premium quite a bit. Of course, you want to be comfortable with the deductible amount in case you need to come up with the money.

2. Drive less and take advantage of public transportation or car pooling. Most auto insurance companies will provide some sort of mileage discount if you drive fewer miles per year. This also provides less wear-and-tear on your vehicle and reduces your chances of getting in a costly collision.

3. Take advantage of discounts. You may qualify for several discounts that could lower your premium. Check with your current insurer and with companies who provide you quotes.

4. Do business with reputable companies. Check the financial ratings of the insurance companies that interest you. A low quote is the start, but you want to be sure they'll be around if you need them. Check online with A.M Best, Weiss and Standard & Poor's to see how they rate the company. You can also check with your state's department of insurance to see if there have been any complaints.

Find Get cheap car insurance quotes online

About The Author:
Justin Scott is a free-lance insurance writer. He recommends the comparison site LowerYourInsurance.com for up to 5 free auto insurance quotes, plus more information about saving on car insurance. The site also includes a car insurance comparison worksheet.

Article Source: http://EzineArticles.com/?expert=Justin_Scott




Best Insurance Auto

Friday, December 5, 2008

Technology Wins Customers in Auto Insurance World

Best Insurance Auto Presents:

Technology Wins Customers in Auto Insurance World

When it comes to all of the information a company uses in order to make decisions and arrangements, sometimes all of the information is there but it simply isn't accessible or even organized. The ideal and effective situation for any business would be to be able to locate information, understand its implications and move forward with the sensible decisions. Technology in today's business world is what makes a majority of this theory possible. Allstate Auto Insurance is one such company that not only understands the possible dilemmas of this necessary process, but also envelopes the concept in terms of its customers lives as well.

Allstate Auto Insurance is known most popularly by the phrase, "You're in Good Hands with Allstate". The company encompasses protection and retirement to help people in over 17 million households nationwide to protect what they have now and be prepared for the tomorrow to come.

In so many businesses today, the wealth of information regarding customer, financial and other data goes to waste and remains untapped because when it comes down to integrating the information and collaborating the sources for reports, it is just too difficult. Business growth can suffer tremendously due to a lack of business insight and poor planning which leads to inaccurate forecasting and thus a weak strategy. Allstate Auto Insurance is a company that not only understands this mandatory technology need, but thrives in paving the way in it.

As Allstate Auto Insurance makes leaps and bounds to determine new directions for protection of their customers, their technology and business operations come together to integrate unique technology solutions that embrace the company's business goals. This is no easy feat for many of the businesses suffering in today's economic struggles.

The satisfaction of Allstate Auto Insurance's customers was improved with programs that were implemented and actually provide enhancements to their website that make it easier and quicker for customers to get quotes, purchase policies or service existing customer's needs. Customers' needs change and evolve over time and the technology along with business model followed by the company account for those changes and that growth. This included new tools and capabilities added to the website not only made it more appealing but enhanced its information and navigation capabilities. The site also offers an interactive auto insurance guide where one of a number of video hosts can assist the consumer and lead them through and complex avenues of auto insurance.

About The Author:
Since 2006 Natasha Wilson has been assisting consumers nationwide in saving on their Allstate Auto Insurance policies finding you the right price. Allstate Car Insurance are just a few clicks away. Let us help you find affordable insurance plans, get started today!

Article Source: http://EzineArticles.com/?expert=Natasha_Wilson




Best Insurance Auto

  © Blogger template Brooklyn by Ourblogtemplates.com 2008

Back to TOP