Wednesday, March 25, 2009

Affordable Auto Insurance - Some Discounts You May Qualify For

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Affordable Auto Insurance - Some Discounts You May Qualify For
By Chimerenka Odimba

One of the very effective ways of reducing the cost of your auto and car insurance is to take advantage of available discounts you qualify for. If you know these possible discounts and how you can qualify for them if you don't already qualify, you would then work towards qualifying for them and thereby reducing your rates significantly which is what everyone wants so much to do in this present economic climate where every dime saved is very important.

All insurers do not the same discounts so you would always need to find our from your insurer what discounts they offer. I feel it would help to know the possible discounts so you can ask them of specific ones. A lot of times, it pays to show you are not an entire novice who would swallow every hook, line and sinker.

Here are some discounts insurers offer.

1. Group discounts : you might want to look into this if you belong to a club or association or if your company can take this initiative.
2. Discounts for Security and safety Gadgets. Increasing the safety of the occupants of your car and the security of the car is a major one.
3. Discounts for safe driving. The better your record, the lower your rates.
4. Discounts for multiple car policy.
5. Discounts for low mileage. The less you use your car, the less mileage you would accumulate and this would affect your rates positively (for you).

These are by no means a total list. Your insurer can help you with the specific discounts they offer which may include others that are not included here.

Another point to note is that these discounts would also vary from state to state.

Actually, before you start asking for discounts, you should have compared quotes online. Comparing quotes online puts in directly in touch with the best deals available. So if you are serious about getting affordable auto or car insurance coverage, start out now by comparing quotes. be sure to do so on about 5 quotes sites if you want the best result.

Here we have two very respected quotes sites. Start with them.
Insureme Auto Insurance Quotes
Hometown Auto Insurance Quotes
Chimerenka Odimba is the publisher Several finance based sites

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

Chimerenka Odimba - EzineArticles Expert Author




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Sunday, March 8, 2009

3 Things to Consider When Buying Cheap Full Coverage Auto Insurance

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3 Things to Consider When Buying Cheap Full Coverage Auto Insurance
By Mike Irons

If you're looking for cheap full coverage auto insurance you've got to be a bit confused about all the choices you have. And, because most people want to get quality coverage along with money savings, it can take a bit of time to consider different aspects before deciding upon which company to go with and which policy to buy.

Understanding what the terms mean will speed up the process.

Full Coverage Insurance - Full coverage insurance is comprehensive coverage that covers you personally for every type of insurance that your insurance company offers.

Here are some examples:

Medical Costs

Medical costs could be an option for some policies. When you have a full coverage auto insurance policy the medical costs of everybody in your car are covered if you get into an accident and sustain injuries.

Liability

Liability is also covered when you have a full coverage auto insurance policy. So if an accident is your fault, this coverage makes it possible for all the damages you've caused to be compensated.

Liability coverage should be part of everyone's insurance policy because you never know who will be blamed if there's an accident. In this case it's far better to be safe than sorry.

The Cost of the Premium

It pays to compare premium costs with different insurance carriers if you're looking for cheap full coverage auto insurance because the cost of identical coverage can vary by hundreds of dollars or more per year.

The premium will be based on your age, your gender, and how old your vehicle is.

By the way, if your car is on its last legs you may not want to invest in full coverage because the premiums will be higher. You could end up paying premiums based on the current market value of the car. It usually makes more sense to get cheap full coverage auto insurance policies for newer vehicles.

Some comprehensive insurance polices cover you in case of arson or vandalism, but they aren't very common.

When comparing premiums you can check out companies online and get in touch with some insurance agents who can keep you abreast of information about cheap automobile insurance.

And look here to find out more about how to get cheap motor car insurance. And if you want to see more ways to find affordable car insurance take a look at http://www.CheapOnlineCarInsurance.org

(c) Copyright - Mike Irons. All Rights Reserved Worldwide.

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




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Saturday, March 7, 2009

5 Reasons Why You Really Need Many Auto Insurance Quotes

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5 Reasons Why You Really Need Many Auto Insurance Quotes

It is so common that people usually pay too much on car insurance these days. Actually, there are plenty of companies that are gladly to quote you their best car insurance price even they may not be the cheapest one. Therefore, you need to be proactive and try to find as many insurance quotes as possible and get the best deals if you do not want to be charged too much on auto insurance. It is the only way that you can compare different quotes and you need to have a deep auto insurance review. Or else, you can hardly get the best deal. But it is really worth in the long run when considering you can save a big amount on your car insurance premiums or rates.

Apart from that , when it comes to the renewal, you need to compare your current auto policy and coverage amount against the other quotes for making sure that you still have a best deal. In fact, if you have a lot of different quotes to use for an auto insurance comparison it is very important to pay attention on whether you can get the same benefits across different auto insurance companies. If they are not all the same, you can then hardly compare them on a reasonable basis.

Another tip to avoid trying too many companies is to get an insurance broker as they can keep in touch with a lot of different auto insurance providers for you and then give you the best quotes quickly. They can then earn some commission per sale but it should not be affection on the amount that you pay. The main reason behind is when you ask many brokers for a quote, you can then get several quotes from plenty of different insurance companies much faster and easier. You can just simply visit their website and add your details to get the instant quote.

At last, even you can easily get quotes from most of the insurance companies by having your own auto insurance broker, it is still a good idea to try out and do your own research on the cheaper companies directly as they may also have cheaper rates if you buy from them directly and they do need to pay a commission to an insurance broker. Hence, doing a auto insurance comparison is not that hard as you think and you can benefit alot by having the best auto insurance quote for your needs if you ask enough companies.

About The author:
Rashme Wong is a successful Internet Marketer and publisher of Car Insurance Company Review. A website that specializes in providing auto insurance advice to include easy ways to get cheaper auto insurance quotes that you can search and learn from the comfort of your home.

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




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