Car Insurance – Before You Go on Holiday

Before You Go on Holiday

Any trip can be exciting to plan for, everyone likes to travel and visit new places. We are often afraid we’ll forget an item and often do forget one of the most critical parts of planning a trip, a pre-trip car inspection. Doing this can make the difference between an enjoyable, relaxing vacation and an expensive repair or even a life threatening situation.

Maintaining the manufacturer recommended routine maintenance ensures the basics are covered for any trip. A trip to your mechanic for a pre-trip check-up can be a time-consuming and costly option. Most reputable garages can offer an oil change, check and fill your fluid levels, your tire pressures and other basic checks that are done for a standard service.

If you want to save money and you know something about cars, the best option is to do your own pre-trip at home. Make sure that you have the right equipment and do the checks on a level surface also be sure to do the check when the engine and other components are cool. The equipment you will need include a tire pressure gauge, some spare engine oil, a trash bag and paper towels. Make sure that you check your owner’s manual to ensure your vehicle does not need specific checks that are unique to your car.

Start with a visual inspection of the exterior of your car for any loose panels or trim. Make sure that your windscreen wipers are not worn or brittle. Use a water hose rinse away bugs or debris through the grill on the front of the vehicle. Checking tyres is the most critical check you can do, is there sufficient tread and are there any unusual bumps or bubbles on the sidewalls of the tire?

Check if there is any visible metal where the steel belts have worn through the bottom of the tyre. Physically feel with your hand for screws or other objects that may be lodged in or penetrated the tires. Make a note of any sharp objects to be removed and get the tyres repaired.

Check the tyre pressure in each tyre when the tires are cold and make sure the pressure matches the manufacturer’s recommended cold tire pressure. Lastly check that all four valve caps are tightened and do not forget to perform the same checks on the spare tyre in the boot.

Test your lights, including the high and low beams of your headlights, brake lights, indicators and hazard lights. Get the brakes professionally checked and replace them if worn. Lastly check your fluids, namely; the oil, brake fluid, wiper water, radiator water levels and transmission fluid.

Get into a habit of performing these checks before any long trip to preserve the life of your car as well as your family. Most car insurance companies and car manufacturers recommend this. Once these tasks are completed you can relax and enjoy your trip.

Shopping Online for Vehicle Cover Can Save You a Lot of Money

Did you know that you can shop and compare your vehicle insurance in the comfort of your own home and do so from your computer and Internet connection? Many people simply do not realise how easy it is to compare rates online, after all, this was not something that was available just a few short years ago. By comparing rates online, it forces the car insurance companies to remain competitive by offering you the best rates. However, if you do not realise the tool is available to you, then it does not help you in any way as far as saving money on your insurance.

What are the Steps in Finding Better Rates?

The first thing you need to do is look at your current car insurance policy and check the various levels of cover you currently have, after all, you cannot compare apples to oranges, if you have comprehensive and collision cover, than you need to compare this when you do your online quotes. In addition, have you had any moving violations or accidents in the very near past? If so, you will want to have these handy because you will be asked about this when you get your online quotes.

When you have all the information gathered concerning your current policy and driving record, head to the Internet and find at least five different comparisons to your current rates and see how your insurance stacks up against the competition, chances are, you will be surprised to find out how much money you could be saving by simply switching plans. You will especially notice a huge difference in premiums if you have had your current policy for a number of years before the Internet took off.

After all, most car insurance companies are not just going to lower your rates out of the goodness of their hearts, it is up to you to find the car insurance quotes that best serves you and your family.
Once you have made at least five different comparisons, contact the agent via email or phone and get the insurance switch under way. Many times, you do not even need to meet with the company at all; everything can be taken care of via faxing or scanning documents and then sending them to the company. This, of course, saves you even more time when you are switching plans. Convenience, saving money and saving time are all possibilities when you compare car insurance quotes online.

Final Thoughts:

Today, more than ever, saving money on necessities such as insurance is vital in order to make your budget stretch as far as you possibly can. This means that taking a few minutes to compare quotes online can in fact be the first step to slashing your home budget. Make it a point today to head to the Internet and find out what you could be saving in car insurance, you might just be surprised at how much you are currently overpaying for your plan right now.”

The Best Car Insurance Quotes Are Online

The Best Car Insurance Quotes Are Online

 

There are many reasons why you are going to find the best car insurance quotes online. Do you know what they are? Above all else, using the internet is the “”in thing”” to do. For this reason, every company is improving their online presence. This makes it easier than ever before to receive quotes that suit you well.

What do the best car insurance quotes look like? The answer to this question is different for everybody. For example, you may be interested in affordable quotes whereas somebody else wants to make sure they get the best coverage available. You need to have a basic idea of what you are looking for if you are to get the right quote and then turn it into a policy.

Since you can quickly receive and compare quotes online, you are bound to find something good soon enough. This does not mean you have to be in a hurry, though. You can use third party sites that provide you with several quotes from one form. Or you can jump from one company’s website to another, in search of detailed quotes and information. No matter what you decide on, you will have the perfect policy soon enough.

There is no denying that the best car insurance quotes can be found online. Rather than call brokers and agents, hoping that they can help, use the internet. This is the best way to find coverage that you are comfortable with. In the long run, you will be glad that you turn to the internet to find and compare car insurance quotes.

Shop Around For Your Car Insurance

Car insurance like everything else varies greatly between providers in a free market society. Because all the insurance companies all want your business they will give you a free quote willingly but do make sure you go through the insurance policy wording very carefully before signing anything. It is good advice to never sign anything without first reading it.

To make sure you understand the policy clearly in most countries it is now a law that the policy once accepted has what is called “”a cooling off time”” that I think varies between countries but here in Australia it is 7 days. In other words, you have seven (7) days in which to read through the policy wording very thoroughly and are sure that it covers and includes everything that you want to have your car insured for.

A separate insurance policy has to be taken out if you want to have theft and criminal damage covered too because your ‘normal’ CTP does not include these events in their CTP policies.
You cannot register a car here in Australia with out having a compulsory third party policy.

This compulsory third party (CTP) insurance is to cover anything that you may damage, including yourself to a limited amount. You cannot register a car in any state of Australia without this particular policy which is often available over the counter when you go to your Motor Vehicle Registrar in your state. Every state of Australia calls their motor vehicle registries a different name because they are state government and not federal government organizations.

When you go to register your car here in Queensland, you also have to have a certificate of road worthiness from a licensed and approved vehicle mechanic before you can register your vehicle. The same law applies in the Northern Territory and in New South Wales. I haven’t tried to register a car recently in any of the other Australian States. All State and Territory Governments earn revenue from vehicle registrations but here in Queensland they have now become very expensive.

To add salt into this extra tax burden on the Queensland population, the Queensland State Government also removed the petrol subsidy in their last budget.
With all these extra tax burdens imposed on the people of Queensland it really does pay to shop around for your car insurance needs.

Minor Injuries and Car Insurance

Minor Injuries and Car Insurance

Most insurance companies will offer comprehensive cover for medical expenses which are the result of an injury. For example, if you or anyone in the car is injured in a car accident, many providers will pay up to 100GBP in medical expenses for each injured person. This includes the passengers as well as the driver of the insured car.

Some common injuries that occur after a car accident include whiplash, bruising or damage to the spine. Whiplash is perhaps the most familiar injury after a collision in a car, as it occurs when the neck suffers a sudden jolt from a severe impact. Whiplash occurs when the soft tissue in the spine is stretched and strained in excess after a sudden impact that pushes the head forwards. Whiplash can also cause headaches and stiffness in the neck and back of the head, which can last from a few days to several weeks.

Bruising may occur after a car accident if your leg or arms are suddenly pushed against the fixtures of the car after a sudden impact. Your thighs, for example, may suddenly hit the steering wheel area. Bruises may not appear for a couple of days, but they can make walking very painful, for example. You may also suffer bruising or strain to your spine after an impact or car collision. The spine is very delicate, and any extreme and unexpected movement can strain the muscles around the spine and lead to severe stiffness and discomfort after the accident.

If you do suffer any of these minor injuries after a car accident, you should seek medical advice immediately. If you would like to make a claim for your injuries, you will need proof from a doctor or specialist to certify the damage you have suffered and how it has impacted on your day to day life.

There are some exceptions as to when injuries are covered after a car accident, however. If an injury is caused by suicide or attempted suicide using a car, or if the injuries occur when the driver is convicted of driving the vehicle under the influence of drink or drugs, then costs of injuries may not be covered. It is also essential that you wear a seatbelt at all times, as your injuries may not be financially covered if you are not wearing a seatbelt at the time of the accident.

Whilst it is important to drive safely at all times, it can also be reassuring to know that you are financially protected in case of injury during an accident.

Antique Car Insurance Quotes

Antique car insurance quotes can be reasonably priced if you know where and how to look for them. Since antique cars are sure to be worth a good bit of money it will obviously be a bit more to insure them against an accident of some sort. There are, however, some measures you can take to save money on your antique car insurance. The first thing to do is get several different antique car insurance quotes from several different companies.

Antique auto insurance quotes can be found in the same places that regular car insurance quotes are found. The key is to make sure you are clearly letting the insurance company know that the car you are interested In insuring is an antique.

If you are interested in getting the most affordable antique car insurance out there you should get some quotes online. Getting quotes online is easy to do. Just go to an insurance companies website and fill out a free quote request form. Make sure to indicate on the form that the car in question is an antique. Often times, the quotes you get online are least expensive because you are eliminating the agent. Since you are not going through an agent there is no need for the insurance company to compensate them which saves you money.

If you want the security of speaking face to face with an agent then you should ask around to other owners of antique cars as to who they use as an agent. Using an agent will give you peace of mind when it comes to communicating that the type of car you want to insure is an antique. Make sure to be clear with the agent that the car is an antique and ask him for a quote. Do this at several different agencies until you find the best quote.

Whatever your method of getting antique car insurance quotes is it is important to clearly communicate that your car is an antique. This will help to eliminate any headaches that could possibly be in your future.”

Car Insurance For Teens – Tips For a More Affordable Policy

Car Insurance For Teens – Tips For a More Affordable Policy

It is commonly known that auto insurance for teens is expensive. Insurance companies are aware that teenagers are very risky and reckless drivers, and they charge very high rates in order to cover themselves. That is all nice to know but it does not change the fact that you’ll get a headache when you receive your first insurance bill after adding your son or daughter. Things get even worse if you have more than one kid, driving around and living in the same house at the same time.

So what can you do to save some dollars on car insurance for teens?!

You can take a look at some of these tips:

Tip #1 Does your teenager drive to school every single day? I’d say probably not. So why not try and classify him/her as an “”occasional driver.”” The thing is, not every insurance company allows you to do that. I won’t do any harm asking though.

Tip #2 If your teen has above average grades at school, they might be eligible for some discount. Make sure you ask your insurance company. As a general pointer, a 3.0GPA is necessary. If your teenager is in college, they might be required to be on the dean’s list, or be one of the better students among their classmates.

Tip #3 Also, if they decide to take an additional driver’s course, they might be eligible for certain discount. Be sure to ask your insurance agent about it. They might be required to take a certain type of course.

Tip #4 One of the most important thing when trying to save with teen insurance costs is to go and get him as older car as possible, not jeopardizing safety of course. Don’t go and buy him a brand new Mustang. Instead let him drive the family mini van. It may not be the most appealing teenage ride, but its better then no ride whatsoever.

Tip #5 If you do decide to buy him/her a brand new car, then make sure it’s a car that is classified as a “”low risk.”” That excludes sport cars as a thumb of rule.

Get a safe car, meaning, more air bags, alarm protection system, ABS brakes, ESP, etc… Now you’re sure to get some additional discount and a better rate too. This does not apply just to teenage drivers, but to all ages.
Now you might be thinking.

Isn’t it better, cheaper and more convenient for me to get my son his own insurance policy. But if they he is still minor and living in the same house as you, then it won’t be the smartest choice. People get big savings just by insuring everyone in the family altogether in a bundle. Insuring a teenager aside from the family is much more expensive. The best and cheapest choice would be to get a family policy.

And now, the greatest savings tip of all times. Make your teens get a job!! They are fit enough to work and pay for their own gas or auto insurance.
These tips are a sure way for you to save some money on car insurance for your kids. But as a general rule, having a teenage hormone raging driver in the house is an expensive addition to you auto insurance premium.

Cheaper Car Insurance Quotes

Are cheaper car insurance quotes what you’re looking for? If so, you’re not alone. These days everyone is looking to get the best possible price on their auto coverage.
There are a variety of ways that you can reduce your premiums. In this article we will offer some tips on several ways that you can use to get a better deal. We will discuss using comparison websites, raising your deductible and why you might want to consider lowering your level of cover. The purpose of this article is to help you find cheaper car insurance quotes.

Comparison websites provide a way to get a variety of quotes from the top auto insurance companies. They are a very convenient way to comparison shop. I really can’t stress strongly enough how important it is for you to get a variety of quotations before making your purchase. Quotations can vary greatly from one insurer to another. You should make sure that you are comparing apples to apples, that is to say, it is important to be sure that the policies quoted for will provide you with similar levels of cover. You may find that the best value policy may not necessarily be the cheapest one.

If after having used a car insurance comparison website to obtain some quotes you still find that they are too expensive then you may wish to consider raising your deductible. This will enable you to get cheaper car insurance quotes. Your deductible is also known as an excess fee. It is the part of any claim which you will be expected to pay. If you do decide to raise your deductible make sure that you have sufficient funds available in a savings account to cover this cost should you need to make a claim.

If you have compared the market using a comparison website, raised your deductible and yet the quotes you’re getting are still too expensive there is still one more thing that you can do. You can consider lowering your level of coverage. Obviously this will depend on your individual circumstances and the value of your vehicle. If you drive an older car you may wish to consider dropping collision cover altogether. If you have full coverage car insurance you’ll be able to get much cheaper car insurance quotes by opting for liability only cover. Liability only cover is also known as third-party insurance.

In conclusion finding cheaper car insurance quotes can be a great way to reduce your motoring costs. You should certainly use a comparison website to get prices from a variety of companies. Once you’ve done this you may also wish to consider raising your deductible and lowering the level of cover to further drive down the cost of your premiums.”

Save Money in Tough Times With Auto Insurance Quotes

Save Money in Tough Times With Auto Insurance Quotes

When times are tough and your budget is tight, auto insurance premiums should be one of the first things you should take a look at to make your money go further. With auto insurance quotes in hand, you could save up to 30 percent on car insurance coverage.
Before requesting free car insurance quotes, it is smart to come up with a strategy and learn tips to maximize your strategy for saving money on your car insurance.

Lower Your Expenses Through Annual Reviews

According to the NAIC, reviewing your vehicle’s insurance policy annually is one of the best ways to save money and get a low auto insurance quote. But only 20 to 35 percent of people actually do so. This means that at least 65 percent of consumers nationwide are leaving money on the table. Don’t be a part of that statistic! Make sure that you are not throwing your money away by getting free car insurance quotes from competing companies at least annually. You could be surprised at how much money you could save.

Tips For a Cheap Auto Insurance Quote

 

Shop for car quotes online.

This is by far the easiest and fastest way to find local agents, get multiple quotes from competing insurers, and compare price and coverage.

Consider more than just price.

Every insurer bundles their coverage differently. For this reason, you should compare liability limits, medical coverage, and uninsured levels in addition to price before making a decision.
Choose your coverage carefully. If you are driving an older vehicle, comprehensive coverage may not be the best choice if there is not much value to protect.

 

Save Money on Auto Insurance

Keep in touch with the car insurance company. Let them know you are shopping for lower quotes. This will give the agent an incentive to work harder to get you the best possible deal. Armed with knowledge and a strategy, anybody can lower their auto insurance quotes.

5 Tips to Keep Kids Safe Around Cars

In so many ways, kids and cars just don’t go together. When they are tiny, their small bodies have trouble dealing with the force of even a minor accident and car insurance claim. When they get older, they hate being cooped up. When they get bigger still, they want to imitate Mum and Dad… often with grave consequences. We know kids and cars don’t mix, without the critical addition of an alert adult. Today we look at 5 tips to stop your most prized possessions from coming into conflict with one of your most dangerous tools.

1. Car seat watchpoints

There is a lot of misunderstanding and confusion surrounding the best practices for children and car seats. Here is a summary:
– Children should have at least a three-point harness from birth until they weigh 20 kilos or are three years old
– Car seats should be rear-ward facing before six months – but the longer the better
– Never place a car seat in front of an airbag
– Always buy car seats new. A second hand seat could have disguised weaknesses from previous accidents.
– Even older kids need booster seats, to make sure the seatbelt doesn’t slide up and crush their windpipe in the event of a sudden stop.

2. Reversing safely

In Australia, around one child every week is run over in a driveway. To reduce your kids’ risk of being in a back-over or front-over accident:
– Make sure you can see your children while reversing
– Install an object sensor and rear-view camera together – each of these things alone is not completely effective in preventing reversing accidents
– Teach your kids to stay away from any car if you aren’t standing with them

3. Door and seatbelt locks for kids

Old cars have so much more character than newer cars – but they often aren’t made to deal with the demands of modern driving. Newer cars have safety features like:
– Child-locks on rear doors
– Seatbelt sensors that go off if a seat with weight on it doesn’t have the belt buckled
If your car is older, and you aren’t planning to upgrade, you can also buy childproof seatbelt locks that kids are not able to take off by themselves. In the event that they do open the door, they will still safely be tucked in their seat… ready to be screamed at!

4. Cargo barriers

If you regularly carry pets or luggage in the back of a station wagon or 4WD, you should have a cargo barrier fitted to protect your children’s head in the event of a sudden stop. The event might not even cause a car insurance claim, but may cause serious injury to your kids if something hits them in the back of the head.

5. Behavioural strategies for safe driving with kids

Kids don’t like being cooped up in cars. Do the following to reduce the stress, and the chance of having to put in a car insurance claim:
– Give them plenty of distractions from the boredom of being in the car
– Take regular breaks from long trips
– If you don’t have air conditioning, give your kids wet towels and open the windows.
– Alternate your music with kids’ music”

The Rise of Sat-Nav and the Sat-Nav Thief

The Rise of Sat-Nav and the Sat-Nav Thief

But is there a downside to the uprising of the sat-nav? Enough to fill Wembley Stadium 230 times – if they could find it, that is.
And a nation of map-illiterate drivers isn’t the only potential downside of introducing sat-navs to our dashboards. And the issue is nationwide. Reading Borough Council reports that sat-nav theft “”has now replaced car stereos as the number one item stolen from vehicles.””Yorkshire authorities agree. “”In terms of volume, vehicle crime is one of the key crimes”” reports Ron Johnson, of North Yorkshire Police, “”It used to be mobile phones but now it’s sat-navs.”

Since these gadgets are so easy to sell on, sat-nav theft is not a problem that’s going away in a hurry. And given that car insurance policies don’t always cover the full value of audio or sat-nav equipment, you can find yourself seriously out of pocket.

So what can be done?

The standard advice is to make sure you don’t leave your in-car electronics in plain view. The glove compartment is usually the first place people think to store their belonging and of course the first place a thief will check. Crime reduction experts even warn us that thieves now use Blue¬¨tooth wireless technology to track units that are hidden from sight.

What most people don’t think of is to remove the visible clues that suggest you might have a sat-nav in the car. Hiding the sat-nav itself doesn’t do much good if you leave the mount attached to your window or dash. And the devil is in the detail. Removing the mount can sometimes leave a mark in the place it was attached and that’s the kind of thing a seasoned thief will notice.

Using a security marker with your postcode and house number is also a great way to combat thieves. As is making a note of the make, model and serial number of the equipment and keeping this information somewhere safe (i.e. not in the car).

 

But above all the best idea is to take your sat-nav with you. Most units are designed to be portable and in some cases aren’t much bigger than a mobile phone. That way even if the worst happens and your car is broken into, at least you can take solace in the fact that you don’t have to pay for a new sat-nav as well as a new window.

Insure Your Car For Less!

Do you want to insure your car for less? Do you want to be able to save when you insure your car? In this article, we will look at ways you can save, and save big!
Discovering ways to save, is a great method to have more money in your pocket!
If you are a older driver, and have driven for a period of time, then you won’t have as much of a problem, and the differences from the different car insurance companies will only be a slight difference.

However, if you are a young driver, then you will find that the car insurance quotes can be very expensive, and there needs to be some solutions.
The first thing to remember, is that to find the best options, you will need to be able to do effective research.
With so many difference car insurance companies out there, you can be sure that with the right kind of research, you can be sure to find something that save money!

The key is to find a good range of options. And this can be done by getting a good range of car insurance quotes.
A great way to do this, is online. You could phone places, however, this method does not benefit you much, because you have to invest a lot of time phoning places.

When you go online, you can be sure that you can find options fast and quick.
If you can go through and find a quote from 3, 4, 5 places, you can be sure that you would find better car insurance quotes than if you went through one place.

All You Can Get With Car Insurance Policies

All You Can Get With Car Insurance Policies

The insurance market is becoming more and more sophisticated as time moves on. Currently, policy providers all over the country are focusing on how to make life easier for potential consumers. For the most part, the efforts of most online insurance providers are directed at making the cover of the policy as extensive and flexible as possible.
This means that the potential buyer of the policy has a variety of options to choose from when it comes to buying the policy online.

Unfortunately, the majority of people can get put off from such a daunting task because of lack of information. In order to help such uninitiated potential buyers,

The following is a list of benefits that a policy holder is entitled to.

1. Cars are expensive and hence repairing any damage to them can become very taxing for the owner’s pockets. The biggest advantage that any policy provides to the policy holder is protection against the repair costs of any damage to the car resulting from some form of accident. In the case of an accident, if the owner has his car insured then the policy provider will foot the bill of any repairs to the car.

2. Another threat to car owners is the activities of thieves. A stolen car leads to the losses being doubled because most car owners will have to buy a new one as they depend on their cars for their day to day activities. Because of this the cost of the already stolen car and the cost of the new one results in a bumper financial loss for the owner. Most policy providers understand such situations and hence provide cover to the car owner with respect to his car getting stolen.

3. When it comes to car accidents, there is another variable that needs to be taken into account. This is the reaction of the other party that was involved in the accident. It is quite common for a person to sue the other person in the accident for compensation of damages to his property or his physical well being. Apart from the problem of recompense for damages, these cases have the potential to run on for ages which means more financial loss. A policy that provides third party cover would cover the policy owner for claims made by other people involved in the accident.

4. Many financial experts all over the world include such policies as a major investment instrument and include them extensively in the majority of their investment strategies and plans.
In order to get a car insured, all a person has to do is approach online policy providers and get car insurance quotes from them. Before getting quotes, most policy providers would ask a potential buyer to decide on the kind of cover that he wants. Apart from the cover, the potential buyer will also have to provide information pertaining to his/her identity and contact information and details related to the driver and the car in order to get his/her car insurance quotes.

How to Get the Best Car Insurance Quotes Online

Many people already have insurance for their vehicles. Because of this, there are a lot of people that assume that they do not have to worry about shopping around for new insurance cover for their vehicles. While there is technically nothing wrong with sticking with the same old insurance company that you have had for the past ten years, it might not be in your best interest financially. You have to compare it to what else is out there in order to determine whether or not it is actually of any real use to you any more. Remember, just because it was a great plan and for a good price ten years ago does not mean that it is the same today.

One of the first things you are going to want to do is to look over your current policy. Learn about the different options out have and then compare that to what else is out there. You might be shocked to discover that you actually do not have all of the insurance that you really needed. Many people have found this out the hard way when it was too late. You do not want to be one of those people. Then again, you might discover that you have a lot more cover than you could ever need and you are probably paying a lot of money for that as well. Now that you have a better understanding of what kind of policy you need and which kind of policy you do not need, you can now start looking at prices.

Of course, while the price might be a major concern to you, you have to make sure that you are also sticking with companies that have earned a good reputation for being exactly what their customers need them to be. Now, just because you have not heard of a particular company does not mean that it does not have a good reputation.

All you have to do is search online for the company name and see what you come up with. If there are a lot of stories about lawsuits or the company not paying on claims when they should be, then you will want to consider other options. It is simply not worth the risk, no matter how good the price is.

Once you are really ready to get serious about car insurance quotes, you will want to make sure that you are making use of the Internet. This way, you will be able to get as many quotes as possible in the least amount of time possible. If you were to search for your quotes for insurance cover any other method, you would probably find that you would be wasting a lot of time and you would most likely not find the best deal out there.

Make use of a website that can help you gather some of the best car insurance quotes. You should be able to easier compare the different policies in order to make sure that they are everything that you need for them to be. Once you have found a company and a quote that you are comfortable with, you will then need to contact them directly. Either call the insurance company or contact them through their website. You will then complete an official application for cover and you will have your new policy before you know it.”

Coverage You Can Count On

Coverage You Can Count On

There are all types of auto insurance available for anyone to purchase. The goal is to find one that will serve your needs and to ensure you have the coverage you want to fit your budget. Everyone has seen the commercials on television where with some companies you can save on auto insurance. You would be able to find the same savings online while searching for car insurance quotes. The only difference is the television is in front of you while you are sitting down watching a show and the other is something you get and go to when it is your computer and look for while doing a search.

What you want to end up with on your vehicle is coverage you can count on when or if an accident occurs and you are at fault. There are times people will purchase the minimum amount of coverage so they are not sued in civil court and forced into bankruptcy because of the excessive amounts of medical bills that were generated from an accident. If the vehicle is an older model, some customers feel the price of the policy monthly is worth more than the car and decide not to maintain the full coverage on the vehicle and take only the necessary coverage.

It is different when your car is financed because the financial institution requires you to maintain a certain amount of auto insurance on the vehicle. Until the vehicle is paid off you really do not have a choice. Either you find the auto insurance policy that you can easily find by doing an internet search for car insurance quotes or the financial institution will cover your auto insurance at a very high rate. When the choice is yours then use it and find something that will fit your budget. When selecting your auto insurance company, review them all and see which one you can count on and go a little further and do a background check on them.

Ensure that they are not a company that has a lot of complaints against them and see how long they have been in business. Do not turn away from the company that has just started, instead review the agents working for the company to see how long they have been in the business. Find a company you can count on.

Do You Know Why Driving and Talking on the Phone is Such a Bad Combination?

If you feel it’s okay to drive a car when chatting on your mobile, perhaps you’re in the wrong place. Mobile phone users are 4 times as likely to be part of a serious collision.
Diverse studies correlate significant road accident injuries with talking on the cell. The results also indicate how the same risks are presented whether keeping a cellphone to your ear or talking through a hands-free tool, for example a speakerphone. These kinds of studies also show that chatting, not holding is the more distracting activity.
The danger seriously isn’t linked with gender, age group, or sort of mobile either. Men and women drivers go through exactly the same rise in risk as a result of using a cell phone when driving.

It doesn’t matter whether you use a regular mobile or hands-free equipment, the dangers present. People should not use cell phones when driving a vehicle. The danger is considerable. If you are on a cell if driving, you’re placing you and everybody in the car in danger. Not even mentioning the lives of other drivers.

If you want to make a call when driving a motor vehicle, stop your car on the side of the road to make your call. Also you can wait until you reach your destination. Don’t multi task when you’re driving a car. If you want to drive safely you need to be concentrating on just driving. Driving is a very challenging activity. Monitoring what are you doing around you is tough enough without distractions.

Cell phone use is simply one of the many distractions that may lead to fatal vehicular crashes. Taking your eyes of the road to check on the kids in the back seat, eat your breakfast, do your make up, or even switching the radio channel can lead to big accidents!

The key duty of any driver is to safely operate the car, without losing focus. Of course there are advantages in having a cell accessible in an emergency, even so it shouldn’t be used indiscriminately. Regardless of if it’s hands-held or hands free.

There are certain rules that must be followed when driving and making a call while driving is totally prohibited, because you lose your concentration!”

Insurance Brokers and Agents – What’s the Difference, and Which Is Better for You?

Insurance Brokers and Agents – What’s the Difference, and Which Is Better for You?

The Insurance Agent

These people work for the company they represent. Whether it is Sunlife, Allstate or Co-operators, their entire income is paid from the coffers of that organization. Since an agent is actually part of the company, they can change an operator on a car insurance policy or add updated information to your home insurance in real time on the system.

This means that they can see the impact instantaneously on your policy premiums and advise you of what the damage is. However, there is a downside. Generally these companies have stringent underwriting guidelines. This means that if you ever have anything “”uncommon”” regarding your insurance portfolio they most likely will not be able to accommodate you and will give you the boot.

This means for your car insurance if you ever get into two at fault accidents within six years, get more than 4 speeding tickets in 3 years, buy a car older than 15 years old, or have young children who want to be primary drivers on a vehicle, they won’t be able to do it. If they can, it will most likely be insanely expensive because they don’t want that type of business.

On home insurance, if you have had two claims in the last 5 years, a dog that is a high risk breed, (German Shepherd, Pitbull, Doberman), or run any kind of business out of the house you may suffer a similar fate.

The Insurance Broker

These people have contracts with multiple insurance companies. They are paid commissions depending on which company they place the insurance with, but most companies in the same market, (low risk or high risk), pay out the exact same rates. Unlike an insurance agent, whenever you need to make changes to a policy, they cannot directly do it on the company’s system. They will fill out the required forms and submit it to the company to have them change it. The upside to a broker is that a good one will be able to pretty much insure anything for you and have it at a competitive rate. As well, the advantage of having someone who carries multiple companies is you don’t have to spend your time shopping around for better rates as they will already be doing it for you.

The Bottom Line

If you value your time and don’t want to shop your rate yourself every year I would choose to work with a broker. If you have a very simple insurance profile and don’t mind calling around for rates every year an agent is a better choice.

Top Proper Driving Etiquette Tips

Educating drivers about the proper driving etiquette skills on the road is perhaps the most important deterrent of collisions and accidents there is. Driving behavior makes our roads safer for all who share it. Like all other lessons, the saying “”Live and Learn”” may come too late.

What we need to do as responsible drivers is live by a few basic established rules of roadway etiquette, to decrease the number of safety hazards that are entirely preventable. Read on to find out how safe driving etiquette may even help save not only your life, but lower your car insurance rate.

There are many common driving errors that contribute to many unnecessary hazards on the road. While driver’s education courses focus on the official rules of the road, many fail to address real world driving etiquette. The first bit of advice we can offer is the importance of avoiding “”left lane hogging,”” which is not an official “”rule of the road”” but it sure does facilitate movement.

Left lanes are designated for passing another vehicle traveling a bit faster than vehicles in the right lanes. If you were not traveling faster than the cars behind you, it makes no sense for you to be in the fast left lane. You should yield to faster cars and move over to the right lanes as soon as you safely can. Nowadays, drivers don’t acknowledge, or remain oblivious to this common courtesy and do not yield. It’s not wrong to stay in the left lane indefinitely, but it is definitely frowned upon. Cars gets stuck or stuck behind you, and increases tension between the cars around you, which can be avoided. If you notice someone behind you speeding up and wants to get past you, let them do so by moving over to the right lane. It’s the safest way to go about

 

left lane hogging.

Another crucial driving etiquette tip is that when you are approaching a merge lane, don’t just stop abruptly and pull out into the already fast moving traffic. As driving schools have addressed, hopefully, is that the merge lane is there to give entering vehicles on the ramp a chance to speed up to match the flow of traffic and merge smoothly. When you stop abruptly, you create more risk of getting rear ended and therefore, create a more dangerous situation for those around you, and for yourself. Smooth entry onto the freeway is an essential driving etiquette tip.

Another situation that increases your chances of getting rear ended, and you, rear-ending someone else is by tailgating. We all know it’s not a good idea to follow too closely to a car but sometimes in traffic, we don’t follow through. Whatever the situation is, never tailgate.

This means you will most likely not have enough time and space to react to sudden stops. This tip will help lower your car insurance rate too, since getting into accidents — especially if it’s your fault, will only increase your insurance rate. Staying out of accidents is the best way to keep your car insurance premium low. Besides the insurance and economical perspective, tail gating creates an aggressive driving atmosphere, and you can anger the car you are tailgating, which is never a good idea.

Following these basic driving etiquette rules will keep you safer and your car insurance rates down. Why not do what we can to create better driving conditions and avoid accidents, higher insurance rates, and damage to our cars?”

The Difference Between Comprehensive And Collision Auto Insurance

The Difference Between Comprehensive And Collision Auto Insurance

When searching for an auto insurance quote, you should have some knowledge of the difference between comprehensive insurance and collision insurance. Before taking out your policy you will need to consider your coverage in detail. Do you want coverage only for your vehicle or for yourself, vehicle and your family? The two most popular types of insurance offered are comprehensive and collision insurance.

Most people that attain auto insurance is due to the fact that it is required by law, and most people only take out insurance which costs them very little. Then there are those that prefer to take out insurance that covers themselves, their vehicle, and another’s vehicle or property – hence comprehensive and collision. When you request several quotes this will allow you to get an idea of the current premium rates.

If you have a combined insurance policy and you have an accident the insurance company will pay for your car repairs, medical attention, etc irrespective of who caused the accident initially. If your car has been badly damaged the insurance company will pay for restoring your car back to its original state which includes replacing parts. Auto insurance does not cover any mechanical failure due to low car maintenance.

In order to get a good deal you most definitely need to shop around online and request for quotes from as many as possible until you find a good deal. Bear in mind that comprehensive auto insurance covers you for riots, weather damage, theft, vandalism, natural disasters and fire.

You cannot file a claim for vehicle parts due to lack of maintenance. On the other hand when it comes to collision auto insurance whereby you caused an accident as well as injury or death of the persons involved in the accident the insurance company will forfeit the expenses incurred.

If you should end up in court and the opposing party files a law suit, collision auto insurance has got you covered for the medical bills, loss of income as well as pain and suffering expenses. If you do not have collision coverage, you will have to pay all these expenses which could amount to millions of dollars. It is important when searching for an auto insurance quote that you compare offers.

The premium amounts for insurance coverages will depend of certain factors such as the value and type of car you drive. If you are prone to accidents and you drive an expensive car then your monthly premiums will be considerably higher as opposed to someone that drives an older model car and has a clean driving history will pay. Now that you know the difference between comprehensive and collision auto insurance you can make up your mind.

When obtaining an auto insurance quote online find an insurance policy that suits your specifications at a good rate. Make sure you read all the fine print before signing so that you have a clear indication of what you are paying for.

Affordable Auto Insurance – What Factors Affect the Rates I Pay?

Do you think that insurers would do a random selection of numbers when determining your rate? They don’t. They base their rates on a couple of things which we shall be looking at.

DRIVING HISTORY: Insurers view rough driving as a habit that will not stop. So if you are a rough driver, then be ready to pay more in premiums.

VEHICLE LOCATION: If you stay in a crime prone neighborhood and have no choice but to park there at night, know that because of the risk to your car which the insurer perceives in your area, you would be made to pay a higher premium. If can help it, choose a safer neighborhood.

WHERE DO I MOSTLY DRIVE?: Upon your insurer knowing that your driving is in an area where inexperienced drivers are abundant, you would be charged more in premiums because of the higher chance that you could be hit.

CREDIT RATING: Your credit score is important even if you think it is not because your insurer would base your reliability on the credit score.

THE DRIVERS AGE GROUP: This one too is very important and associated with driving record. Your years of driving experience is proportional to your age. This means the older you are, the more likely you are more experienced which means less chances of making claims. Young people are seen by insurers as carefree and irresponsible therefore high risk. However your age does not mean you won’t get a good policy. Your good performance in school can earn you discounts.”