How Soon Should I Let My Auto Insurance Company Know I Bought a New Car?

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How Soon Should I Let My Auto Insurance Company Know I Bought a New Car?
By Michael F. McDonough

There's nothing quite like the thrill you get from smelling that sweet, new car scent. Something about knowing that gleaming new beast sitting in the dealer lot is going to be going home with you is enough to send tingles up your spine. Before you grab those keys and do your best Transformers impression, however, take a second to figure out what you need to do with your auto insurance.

It's definitely the exception rather than the rule, but there have been cases of cars getting into accidents the minute they drive off the dealer lot. The last thing you want is to become one of those statistics-but if you do, wouldn't it be nice to know that your auto insurance provider is standing right behind you to pick up the slack?

Before you start panicking too much about driving uninsured, take a second to check out the terms of your car insurance policy. Auto insurance companies know that you're going to be driving the car home the day you buy it. They also know that without the car and its detailed little packet full o' feature information you're going to have a very hard time giving them the kind of run-down they need to accurately price your insurance. That's why many companies give you a certain number of days to report a new vehicle. Until then, it's automatically covered by the same policy terms as your old clunker.

Wait! Before you kick back in the driver's seat and cruise on home without a worry in the world there are a couple of things you need to look into. First and foremost, make sure your insurance company actually follows that policy. Most isn't all, and the last thing you want to do is find out after the fact that you're a sitting duck. Secondly, consider how you're going to be paying for your car!

What does your payment have to do with anything? With today's stretched economy not a lot of people are plunking down cash for new cars. They're choosing to be sensible and finance them, trading out months of interest in exchange for a car payment that isn't going to have them living on Ramen for the rest of their lives. The thing is, most lenders are a little bit...twitchy about making sure they're going to get their investment back. The last thing they want to do is lend you the money for a car only to have you total it a few months down the road, then decide not to keep paying on it because you've just added a new car payment to the mix.

That's why most lenders are going to make you put comprehensive, collision and uninsured motorist insurance along with your liability auto insurance. That way, no matter what happens to the car you're still going to get a hefty payment to at least put a dent in your loan before you go shopping around for another one. If your current policy only carries liability you're going to want to make sure you call whichever of the hundreds of auto insurance companies you're currently doing business with and add the newest addition to the family to your policy before Murphy's Law has the chance to strike.

You know it's just lying in wait. Why give it the opportunity?

Michael McDonough is a National Account Executive for QuoteScout.com. Since its launch in 1996 the company has specialized in matching consumers' requests for insurance quotes with multiple insurance quotes from both local agents and national insurance carriers. To find out more about buying auto insurance for your new car, visit them on the web at http://www.QuoteScout.com

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Auto Insurance For All Drivers - Do Not Pay More For the Insurance Than Your Car Cost You

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Auto Insurance For All Drivers - Do Not Pay More For the Insurance Than Your Car Cost You
By Brian Bannon

How can you get the best auto insurance at the cheapest prices? If this is what you are looking for you need to follow a few simple steps. Just avoid getting taken for a ride by your insurer.

These are some of the favourite tricks of insurance companies to get your business and keep it without you realising you are paying too much.

#1 Your insurer will happily give you the best quote you can find when you first sign up with them. The next year though it will not be so cheap and many people do not realise this and overpay by up to hundreds of dollars.

As more people realise this insurance companies are claiming outrage at people changing companies again after the first year, and call it an unfair practice. Do not let them overcharge you and make sure you shop around.

#2 Some on-line insurers will have pop-up screens saying you need to contact them for further information. For some this is a ruse to extract more money from you. The price you get on the phone will never match that on the internet.

#3 If you need to speak to your insurer on the phone do not fall for this trick. One of the first thing many ask you is who have you had a quote from and how much was it for. What they are really asking you how much can we get away with charging you and how much is our competition charging you.

If you want the cheapest auto insurance the best place to look is on the internet. There is no one to try to get you into accepting their quote and you will save hundreds of dollars in no time at all.

Here is the best resource for Cheap Auto Insurance just click here To save on auto insurance

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Cheap Auto Insurance - Get the Lowest Rates!

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Cheap Auto Insurance - Get the Lowest Rates!
By Tommy Hilligan

If you are thinking about getting a new car, are just shopping around to make sure you are getting the very best deal, or have just purchased a brand new vehicle, one of the first things you are probably thinking about is car insurance. Getting a large variety of auto insurance quotes will help you to easily manage your budget so that you can protect your vehicle and save yourself a considerable amount of money, and also will help you compare the services of insurance companies so that you'll know which policy will work best for you. Here are some of the best places to find auto insurance quotes, as well as some of the things you should be looking for in an insurance policy.

First, you need to decide which type of coverage is going to be best for you. This will tell the price that you'll pay for your coverage, and learning about different insurance features that make up a policy package can help you to make your final decision. For instance, what could your premium be? Does the policy you are considering cover the cost of repairs if you are in an accident that is not your fault? Part of your insurance bill will most probably cover liability costs, so you should also look for auto insurance quotes that will cover your car depending on what you will use it for. If you are going to be using the car for work purposes only, or will only be driving the vehicle for personal or family use, you will need to know which quotes are best for you depending on how often you will be driving. Auto insurance quotes can also be reduced if you have a good driving record, so you may want to consider taking a defensive course on driving before you purchase an insurance policy so your rates will be lower.

It is also a good idea to make sure that you check with multiple insurance companies before you make your final decision. Compare auto insurance rates or quotes from at least 5 or 6 companies before making a final decision, and be sure to look for insurance discounts so that you and your family can save money. For instance, if you decide to include more than one type of insurance or multiple policies from the same company, your auto insurance will definitely be cheaper. Don't be afraid to check out the larger or more well known companies like Progressive and Geico for insurance 'bundle packages' that you definitely won't want to miss out on. There are good reasons why the more prominent companies are so well known.

You can also find excellent auto insurance rates and quotes if you shop for the policy before you officially buy the car. While you can purchase a policy soon after the car becomes yours, your premium will be based on the card's sticker price, so this will most probably be factored into the cost of the car when you are purchasing it from a car lot.

If you would like to get cheap auto insurance quotes in the next few minutes, click here!

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What Every Driver With a Learner's Permit Needs to Know About Their Auto Insurance

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What Every Driver With a Learner's Permit Needs to Know About Their Auto Insurance

By Clifford F. Berman

There's little in life quite as exciting as the first time you see your face on a shiny new learner's permit. It's the moment you realize that adulthood isn't quite as far away as you thought! In the next couple of years there are going to be parties to host, college plans to make and hundreds of friends to say hello and goodbye to, but for now there are two things you need to worry about: Learning to drive and making sure your auto insurance is up to the challenge.

Auto insurance companies work with new drivers every day, so they know you (and probably your parents too) are new to having a new driver in the house. The good news is, because they work with new drivers every day they should have no trouble getting you the insurance coverage you need as quickly as possible! Here's what you as a driver need to know about your insurance, and what it takes to become a responsible driver out on those California (or Iowa, or Georgia, or Hawaii) highways:

1) Young drivers are riskier to insure than their parents, so their auto insurance rates are going to be higher. Always. Don't take it personally, it's not your fault! It's just that everyone has a learning curve, and while you're learning it's easy to fall into any of the dangerous highway scenarios that can pop up when you're out on the roads. It's better to pay the extra premiums and be prepared than to find yourself a victim of circumstance.

2) The minute you get your learner's permit your parents need to add you on to their insurance policy. All drivers are required to carry auto insurance, especially if they're still driving with a permit. To keep the costs down for both of you, pick a car that you're going to be learning to drive on and ask to be listed as the secondary driver on that one and that one only.

3) Good grades can keep your auto insurance rates down, as can taking a certified driver's education course before you get your license. Take advantage of both of them. Your wallet will thank you for it later.

4) The minimum age to get a learner's permit varies from state to state, so while it doesn't necessarily have anything to do with your insurance coverage (your insurance should have you covered no matter where you happen to drive) it's a good idea to turn the wheel over to someone else if you're out of state. The last thing you want is to be caught driving underage out of state, even with an out of state permit. Local law enforcement really, really hates that.

Getting your learner's permit is exciting, and your auto insurance company know that. They just want to make sure you're ready when you hit the highways, and it's up to you to help them do exactly that.

Clifford F. Berman is the CEO of QuoteScout.com. Since its launch in 1996 the company has specialized in matching consumers requests for insurance quotes with multiple insurance quotes from both local agents and national insurance carriers. To learn more about your auto insurance and your learner's permit, visit them on the web at http://www.QuoteScout.com

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Will My Auto Insurance Cover Me If I'm in an Accident Out of State?

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Will My Auto Insurance Cover Me If I'm in an Accident Out of State?
By Michael F. McDonough

One of the best parts of living in the United States is the fact that we can, any time we want to, hop behind the wheel of our car and drive to destinations unknown to see any of the 50 states. Nobody's going to ask for a passport, nobody's going to ask what you're doing. They're just going to smile, wave and drive on. But is your auto insurance going to make sure you're protected when you slip across state lines?

The good news is, nine times out of ten the answer to that is going to be yes. In the eyes of most auto repair shops American auto insurance is American auto insurance, and as long as your insurance carrier decides to ante up when it's time to pay the bill they don't care which state you happen to be from. You're pretty much free to come and go as you please.

There are, however, a couple of things you need to know about driving out of state. First and foremost, every state has a different minimum driving age. While you can get a permit when you're fifteen (and a half) in Virginia you have ot wait until you're sixteen in New York, which means driving around with a VA Learner's Permit up north is asking for trouble. Other states enforce strict curfews for drivers under 18. If you have a new driver in the house, make sure you check out the rules of the road before you go traveling.

How much liability insurance are you carrying? Technically you're not required to meet the minimum liability coverage requirements of another state just because you happen to be driving through it, but you are still going to be responsible for any damages above and beyond your maximum coverage levels-and most judges really, really hate dealing with out of state drivers. Not your fault, there are just some people that like to roll through town and cause trouble and leave everybody else to deal with the consequences.

Regardless, the last thing you want to do is spend the rest of your life paying damages to an out of state court. That means you want to make sure your liability coverage is geared up and and ready to handle whatever life (or the California by-ways) happen to toss your way. Most experts suggest that you carry a minimum of $100,000 per person and $300,000 per incident in liability auto insurance to cover any auto insurance claims that happen to pop up, regardless of what part of the country you happen to call home.

Your auto insurance company is one of the most important resources you're going to have when you start traveling, so make sure it's ready. Then kick back and enjoy your vacation. You've earned it.

Michael McDonough is a National Account Executive for QuoteScout.com. To learn more about taking your auto insurance across state lines, visit them on the web at http://www.QuoteScout.com

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Cheap Auto Insurance - How to Get the Cheapest Car Insurance With the Best Companies

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Cheap Auto Insurance - How to Get the Cheapest Car Insurance With the Best Companies
By Brian Bannon

All of us need car insurance. There is no way of getting round this, but you can reduce the amount you pay by shopping around carefully. If you are smart you can save hundreds of dollars on your car insurance.

While insurance company want your business they also want to make a profit and they will charge you as much as they can get away with, unless you are careful.

It is this competition between companies that keeps the price down to a reasonable level. The only bad part is that more often than not people won't shop around for the best deal and end up paying a lot more than they need to.

Here is how to get the best deal possible.

#1 Do not pay for your insurance over the phone. Auto insurance companies add at least 10% to the quote this way to cover their own costs.

#2 Search on the internet. the prices here are the lowest you will find and no company will match this over the phone.

#3 Get the best and lowest quote available by keeping your mileage to a minimum and if you have more than one residence get quotes on them all. One may be cheaper.

It does not matter if you are a new driver, a student driver or an older driver. Just take your time and you will get the best price possible and save yourself hundreds of dollars in the process without letting the insurance company take advantage of you and fill their own pockets.

Here is the best resource for Cheap Auto Insurance just click here To save on auto insurance

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






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Affordable Auto Insurance - Finding Good Insurers and Rates

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Affordable Auto Insurance - Finding Good Insurers and Rates
By Chimerenka Odimba

When searching for auto insurance coverage, the least of your problems would be availability of insurers as there are thousands of them available. The advent of the internet makes it even easier to access them. Your main concern however would be making a choice from the so many insurers available.

In making a choice, you would be looking at stability, claims history, financial base, customer service amongst other things.

How does one go about this almost herculean task?

The first thing I always recommend is not looking for a good insurer but a good quotes comparison site. Why you might ask?

A reputable and self respecting quotes site would only do business with insurers of like mind. Just like the popular saying "birds of a feather flock together". Referring potential customers to a disreputable insurer would do more harm than good to the comparison site who are in business to make money.

Once you work with a reputable quotes comparison site, they would immediately link you to a couple of reputable insurers and this significantly reduces the time you spend searching directly for insurers and as a bonus, you also get to compare their rates and policies too via their quotes which the comparison site would also supply with.

Getting and comparing quotes has been a favorite for those looking for adequate and still very affordable auto insurance rates.

There's no need to delay. Get and compare your quotes now and for best results, get from up to 4 or 5 reputable quotes sites.

How do I start my quotes comparison?

Here are two very good sites to start getting your quotes.

insureme Auto Insurance Quotes
Hometown Auto Insurance Quotes
Chimerenka Odimba is the publisher Several finance based sites.

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Chimerenka Odimba - EzineArticles Expert Author




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What to Know About Florida Auto Insurance

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What to Know About Florida Auto Insurance
By Ted Kripps

What to know about Florida auto insurance comes down to a relative small number of things, for the most part. The Citrus State - big, boisterous and filled with cars and people - does have a hard-and-fast set of minimum requirements and other rules for auto insurance, to be sure. Given, that there are so many people on the roads there, and with varying degrees of driving skills, it's a good thing insurance is mandatory.

For starters, minimum requirements for Florida auto insurance deem that, first of all, a motorist will obtain and then maintain at least 10, 000 dollars with of what the state calls "personal injury protection" (PIP) and also that he or she will also obtain and then maintain another 10, 000 dollars worth of "property damage liability" (PDL). All in all, such levels don't seem to be all that much of a burden when it comes to auto insurance.

For purposes of discussion, PDL is nothing more than insurance that pays for any damages a policy holder or his or her family members cause (and are liable for ) to another person's property in a crash involving a motor vehicle. There is a subset of insurance contained within Florida auto insurance policies called "bodily injury liability" (BIL).

BIL is insurance that pays for serious and permanent (that's key) injury or death to others that's brought about by the policy holder when he or she causes a crash while operating their motor vehicle. BIL is a particularly useful section of a policy to obtain because it pays for injuries up to the limits specified in the policy and will also cover legal representation for the holder of the policy and any family members living with the policy holder, even if they were operating somebody else's car at the time.

Drivers who register and operate a vehicle in Florida are advised that they must obtain Florida auto insurance, and that any insurance they hold in another state is invalid. All insurance must be obtained through a company and agent licensed to do business in the state, as a matter of fact. If a driver fails to maintain coverage, he or she is subject to suspension of their driver's license for up to three years, which is a stiff penalty.

Once someone suffers a license suspension, there's a reinstatement fee of 150 dollars and any subsequent violations will end up costing up to 500 dollars to reinstate the driver's license. Additionally, proof of current Florida auto insurance will have to be provided before the suspension is lifted. What may not be known is that a vehicle that is operated in the state for at least 90 days out of a 365 day period requires that Florida-specific insurance be obtained.

While some of these requirements might seem stringent, there are certainly good reasons for why the state insists on such coverage terms. Florida has literally millions of cars on its roads and highways and drivers of all ages - but especially relatively young and relatively elderly operators -- everywhere one turns.

Once one gets a firm grasp on why the state requires insurance, and what its minimum coverage requirements are, there is usually little to complain or quibble over as far as making sure drivers obtain and maintain proper Florida auto insurance. The state itself is a sunny and very happening place in most locales, and state officials just want to make sure everybody is protected as much as possible.

Florida auto insurance coverage, all the facts and fallacies. No stone unturned now on http://www.onlineautoinsurance.com/quotes/Florida.htm

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




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Can You Lower Your Auto Insurance With a Top Auto Insurance Company?

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Can You Lower Your Auto Insurance With a Top Auto Insurance Company?
By Tiffany Nelson

If you are like most people right now, you are trying to cut expenses every way you possibly can. Car insurance is a necessity of life, and in most states, a legal necessity. Can you save money on your car insurance and still rely on the services of a top auto insurance company?

It is true that many of the cheap insurance providers are offering inferior coverage on policies purchased online. But the Internet gives you access to tools so that you can find an adequate policy with a top auto insurance company at a competitive rate.

If you only want local companies, like to do business in person, or just have lots of extra time, you can go office to office and listen to long sales presentations. But, most people prefer to just gather quotes from the comfort of home. You can do this by visiting various websites and requesting quotes, or you can utilize a tool that lets you enter your zip code and sit back and wait on the quotes!

Whether you want to purchase your policy online, or get a quote and then contact by phone or in person is up to you, but you can get quotes from the best companies in this manner.

If you need documentation of a policy quickly, you can get quotes, charge the rate to your credit card, and immediately print out a copy of your car insurance policy. You may just need a temporary policy to cover a week or two shared vacation driving or a car being borrowed, and this is a perfect way to quickly take care of that problem.

You can find a reduced rate on your car insurance coverage, and still utilize a top auto insurance company.

Click here to get a fast quote from top auto insurance company.

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

Tiffany Nelson - EzineArticles Expert Author




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