All about Car Insurance Policies and Insurance Rate Comparisons

Article by Jessica Thomson

Having car insurance policies is essential because it covers the risk on an automobile. Car insurance offers financial security for any damage to the car caused by a vehicle.It provides protection from the following:

It protects you from purchasing a new car if in case someone stoles your old carIt covers the cost of repairing the car if damaged in an accidentCost of lost wages and medical expenses related to the use, ownership and maintenance of an automobileMedical expenses not covered by PIP (personal injury protection)

In several countries, it is mandatory for the driver to have car insurance when driving on the public roads. Liability coverage is an important aspect of insurance policy. However, liability coverage is applicable only when the insurance holder drives his own car.

In many countries, prices of a href=”http://insurancecarquotes.net/” car insurance /a depend on various risk factors such as:

The usage of the car (calculated annual distance driven)Characteristics of carCredit ratingCoverage selected (deductible, limit, covered perils)Age and sex of the driverDriving history

Sometimes, these insurance plans also have flat rate, irrespective of the car usage. Other ways of fixing premium prices includes odometer-based systems, OBDII-based systems, reasonable estimation, GPS-based systems and many more.

Keep the following main aspects in mind while buying car insurance policies:

Policy limit per personLiabilities such as property damage liability, bodily injury liability etc.CoveragePolicy limits per person

While selecting an insurance company, look for the following:

Payment practice of the insurance companyAny complaints registered with the state insurance commissionerOther features like denial of arbitration right during UIM claims and denial of medical expenses.

Car insurance rates comparison

Car insurance rates vary from company to company even for the same insurance policy. When buying insurance for your car, you can save money by comparing the rates of different companies. You can do this by surfing the internet or by visiting different insurance companies.

Compare insurance rates easily on the internet

One of the easiest and the fastest way to compare different insurance rates is to visit an insurance rate comparison website. Here you can get insurance rate of several A grade insurance companies.

At an insurance rate comparison website, you have to register your driving and vehicle information on a form. After entering this information, a list of insurance rates from several companies will appear before you. Thereafter, you can compare these rates and select the one that suits you.

Selecting a Company

Once you have insurance rates, the next step is to select an insurance company. At times, you may doubt whether insurance comparison rates available on the internet are accurate or not. However, these quotes are accurate.

Insurance company websites only offers rates from A- grade insurance companies. To check the company’s reliability you can do the following:

Visit the company’s website and check if it is helpful and informativeCheck the website of the Department of Insurance to know about the complaints that customers have filed against the company

These extra measures not only helps you in selecting the right insurance company but also helps in getting cheap car insurance rates.

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A Car Insurance Policy For Your Specific Requirements

Article by Jack

One of the most necessary expenses you pay is that of your car insurance. When you own a car, you can not be without car insurance, it is just too risky. It is becoming more an more difficult to find cheap car insurance that doesn’t trick you in some way, that is why it is important that you know exactly what you need covered and what not. For instance, if your car is parked in a locked garage every night, your premium should be cheaper, because the coverage would be less needed. Know exactly what you have and what you need to ensure that you get an affordable, accurate insurance premium.

When looking for a cheap insurance policy, start by collecting different quotes from direct-sell insurance companies, independent brokers and the internet. You can request online quotes as well as look at policy reviews that will save you a lot of time and probably money too. Also always remember to look for a reputable insurer. Ask your friends, family or neighbours to tell you about their insurance companies and the service and assistance they offer. It is no use having the best policy when a claim can not be paid out because the company is taking its time. Remember to ask questions.

Your insurance policy premium is based on a lot of things, one of them being the type of car you drive. It will obviously be impossible to find a cheap car insurance policy if you drive a sport scar like a Porche. Because the value of the car is higher than an average car and because the risk of driving a sports car is bigger, your premium will be much higher than an average car’s. Also always remember to check the insurance premium before you buy a new car, as the premium can be increased by almost anything. Another important thing that will affect your premium cost is the area you live in. If you live in a high-crime area, your premium will obviously be much higher than if you did not. So be sure to check out these crucial details before committing to a policy.

The age and value of your car is very important when trying to find a cheap car insurance policy. If you drive a R1 million car, your insurance premium will be very high, but if your car is worth about R20 000, your premium will be much lower. Your insurance premium will also be affected by the age of your car. If you are buying a pre-owned vehicle, your premium can not be as much as when you are buying a brand new vehicle. So it is very important to know exactly what you have and what you need from your insurer and your premium.

Things like a good driving record, having an anti-hijacking system in your vehicle, the amount of kilometres you drive a month and the area you live in will all have an impact on your insurance policy premium. Take them into consideration when looking for the right premium and you should be just fine.

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Finding cheap auto insurance quotes

Article by John Buckle

How to find cheap auto insurance quotes

If you think you’re paying too much for your existing auto insurance, put the internet to work and with a little effort it’s easy to find cheap auto insurance quotes that can save you money right now, here’s how…

Compare quotes

Only by shopping round for competitive insurance quotes can you find cheap auto insurance quotes. Most people don’t bother or compare just 2 quotes with little thought to the factors insurance companies base their prices on.

Cheap auto insurance quotes aren’t necessarily the best, it’s more involved than comparing the bottom line. The manner in which insurance claims are processed and approved is an important consideration as is the speed that claims are settled.

The manner in which an insurer deals with you both verbally and in writing is important, they should be easy to contact, courteous and willing to help. Remember that following an accident you are likely to be in a state of stress and the last thing you’ll need is a company you can’t contact and doesn’t take a personal interest in resolving your case.

Deductibles can save you money…

A higher insurance deductible equates to cheaper auto insurance quotes, when a claim is filed you will be responsible for the first $ X’s, the deductible, and the insurance company pays the balance. The choice you have to make is between a lower deductible with a higher premium but less out of pocket expenses if a claim is made or a higher deductible with a lower premium but higher costs to meet if a claim is made. It’s a choice that only you can make but if you want a cheap auto insurance quote increasing your deductible from 0’s to ,200’s will give you significant savings on your insurance premium, but there are risks…

Choose the highest deductible you can afford should the worst happen and enjoy the savings from your reduced premiums.

So select the maximum you can to pay–the higher the better because the difference in your car insurance premiums will mean more cash in your pocket.Ask for a discount

Another favorite saying from my Grandmother was “If you don’t ask you wont get” and that is so true, unless you ask they are very unlikely to offer additional discounts, there are many reasons why they may and I have outlined some important ones below…

Your existing insurance company probably offers lower rates to new customers and they might be persuaded to offer similar rates to keep your business.

Multi line discount is often on offer if you insure both your home and auto with the same insurance company.

Good driver discounts are offered if you have not had an accident or ticket in a long time

Installing car alarms and tracking systems is seen as reducing the risk of theft and most insurance companies will pass the savings to offer cheap auto insurance quotes.

Low mileage discounts are available if your average mileage is typically less than 40 miles per day you will be offered a cheap auto insurance quote.

You car makes a difference

A less desirable auto is less likely to be stolen and usually attracts a cheaper premium. Comparing rates between cars before buying might force you to reconsider your options if there is a notable difference between premiums, choose the insurance before deciding on your new car.

Finding cheap auto insurance quotes isn’t difficult when comparing quotes online, in less than 5 minutes you can save hundreds of dollars off your annual premium, armed with the knowledge and the will to do so cheap auto insurance quotes are easy to find.

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Affordable Car Insurance

Article by Brent A. Kenny

Affordable car insurance is basically an insurance policy that you can afford to pay. You must make sure, however, that what is affordable when you purchase the policy remains affordable when you have a collision. This is not always the case.

One of the options you have when negotiating cheap car insurance is your deductible. That can make a tremendous difference to your policy cost, but when the time comes that you have an accident then it can cost you a lot of money that you might have forgotten that you agreed to pay. You end up with no money or no car. Naturally if you are loaded it makes no difference, but then neither do you need the high deductible for the low cost auto insurance.

Another option that could end up biting you on the booty is to have a sole driver agreement. You can bet your soon to be sore booty that when the time comes then you will relent to your son’s or daughter’s pleadings and let them the car only for that one special night. You know the rest and will need a pillow to sit on. You could even lose your car if your insurers refuse to relent – and why should they?

The message from these examples are clear: go for the most inexpensive car insurance you can get by all means, but make sure that the options you agree to will be suitable for you. Otherwise pay the extra and sleep better at night. Even the most affordable policy is not worth the worry of having to pay too much yourself in the event of a collision or of upsetting your children through your meanness.

You can also get an affordable car insurance rate if you have all the safety features you can think of. ABS braking (advanced braking system), car theft alarms, steering locks and any other anti-theft devices help you to get a cheap quote, as do air bags for passengers as well as drivers, and side air bags particularly impress them.

Lumping all your insurances with the same company is guaranteed to work, and you can dramatically reduce the cost of your child’s student car insurance by adding it to yours. Auto insurance comparison can help by pointing you in the direction of the cheapest company and you could secure an even more inexpensive rates if you inform your regular auto insurance company of what you have been offered. Nobody likes to lose a customer, and might lower their price below what they would normally offer just to retain your business.

Car insurers are hard nosed people, and not normally associated with philanthropy, but you can make them bend with persistence. They have pride, and your best chance of a reduction in your current policy is to let them think that they are to lose you to a competitor. Just make a small comment to the effect that they are seeking online testimonials, and you might get a positive reaction.

Have you though of asking your company if they have a group discount facility, whereby employees can get cheap policy with the company insurance providers? If so get a quote, and if not ask why not? Most companies have leverage with their insurance companies and there is no reason why they cannot use that to get their employees more affordable quotes. In fact if they fail to do so it should be regarded as negligence!

Finally, how about taking an advanced driving course? You want the cheaper car insurance after all, so why shouldn’t you do something to earn it. An advanced driver’s course will almost certainly reduce your premium. If your auto insurer refuses, then threaten to switch companies. That will change their minds.

If you want more affordable car insurance, you have to be prepared to do something to earn it, but don’t overstretch yourself on the deductible unless you can really afford it.

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Find low cost insurance quotes

Article by Guiscard Mathurin

Do you wish to reduce your insurance payments? The sad fact is anyone could answer that question. Whether you are looking for auto insurance, life insurance, homeowners insurance, or health insurance; one of the things which you are probably interested in is finding the lowest insurance rates. There are many ways to go about finding these rates, but one of the best ways is through an insurance quote website. Here, we will take a much closer look at some of the main benefits that online quote comparison search sites such as QuoteDir.com have to offer. Read on to determine whether or not using such a website is an option which you may want to consider, especially if you are currently looking for low cost insurance rates.

Free insurance search websites make finding the insurance rates which you are looking for easier. While you could decide to make a bunch of telephone calls, or visit the website of each and every single insurance company that you can think of to request a free quote, this would take a lot of time and energy on your part. All in all, it would be a complete waste of time on you part, especially when there is a much easier option available for you. QuoteDir.com is one of the companies that gives you the option of saving time when it comes to finding the right insurance company. The primary function of QuoteDir is to help online insurance shoppers locate top Insurance carriers in their area by simply entering a zip code. The service is free, and you’ll be able to find the best providers in your specific area for either Auto, Life, Health, Home, Motorcycle, and Small Business Insurance. This can be very beneficial to those who lead busy lives and do not have the time to search the web for each individual insurance company.

Another one of the main benefits that QuoteDir has to offer you, is the ability to compare insurance quotes from insurance companies which you may have never even known about. While you may only think of some of the top insurance companies when you are searching for the perfect insurance rate, an insurance quote directory will be able to provide you with quotes from companies in your local area that you may not even know exist. This will help you get a wider selection of insurance quotes to choose from, which is why online quote comparison is often so preferable nowadays.

Additionally, QuoteDir has carefully selected a list of insurance carriers that are able to provide free insurance quotes instantly online. Meaning after submitting just one short application, you’ll receive your free rate quotes instantly. You could possibly save up to 70% on your insurance by using such a service. The best thing it’s totally free, and you can obtain a free quote in just 2 to 3 minutes.

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Be Aware of the Dangers of Cheap Auto Insurance

Article by Jon Arnold

Everybody likes to save money. “Discount” is becoming a new way of life. Many companies are representing themselves as the exact same thing as larger, more expensive companies, but with lower rates and more reasonable terms. Of course, this cheaper discount price does come with a cost. With auto insurance, the cost is usually unnoticeable until you have a claim.

Discount auto insurance, just like all other insurance companies, have specialized individuals to weed out fraudulent claims. However, the reduced resources that cheap auto insurance companies are saddled with means that legitimate claims may sit for months without their due attention. This means months without the resources to fix a damaged car and months without transportation. In many states, accident damage must be fixed to an acceptable degree before a state inspection can be passed. This means that in the event that the insurance company hasn’t even reviewed a claim after several months, accident damage must either be fixed before state inspection is due or the car will have to sit idle while waiting.

Unfortunately, no states have any kind of mandate on how quickly an insurance company needs to act on a claim, so if you have to wait months for a claim to be done, the auto insurance company is well within their legal right, and you have discovered one of the things that makes that insurance cheap.

Discount auto insurance will do little more than keep a car on the road with the very basic of legal requirements. While everyone wants to save money, the cheapest isn’t always the best value and can often end up costing consumers more in the end than middle priced auto insurance. Getting the most insurance for as little money possible is a natural goal of everyone.

Cheap auto insurance is usually only cheap when sticking to the bare minimum legal coverage. Once consumers start opting for more extensive coverage, often their premium skyrockets and they end up paying more than they would have if they had started with a reputable car insurance company.

A reputable car insurance company devotes itself to customer service and quality while cheap auto insurance companies devote themselves to being the cheapest thing in town, thus their customer service, claims departments, and quality are all based on bare bones staff with bare bones service. They simply can’t provide the resources necessary to offer their customers anything more than a legal car, provided nothing happens to it.

Many cheap auto insurance companies rely more on automation, and getting a live human being on the phone to deal with issues, from claims to billing errors, is about as easy as setting off into the frozen tundra in search of fresh vegetables. They are more prone to error simply because they have as little human input going into their systems as possible.

One of the greatest hidden dangers of dealing with a cheap auto insurance company is security. The information that a driver gives to an auto insurance company is sensitive material. Most require a credit card number and a social security number, address, phone number, and even if the customer takes regular prescription medication. This information is more than enough for identity theft. Cheap auto insurance companies place very little value on the expense of security. While reputable insurance companies are not bullet proof, they do hire security experts to make sure that the sensitive information in their files stays in their files and not in the hands of ill intentioned hackers.

For quality, safety, and reasonable or better customer service, cheap auto insurance companies simply can’t reach the same heights as reputable auto insurance companies. Hands down, the only thing people save when choosing cheap auto insurance is about at the beginning of their policy. After that, there simply isn’t a bargain to be had.

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Affordable Car Insurance Quotes

Car Insurance quotes, if wisely drawn up, can attract people to find the right automobile insurance policy. Whether one owns a car, Truck, SUV, or several vehicles, a proper picture of what they are going in for, when taking a policy, is outlined in the car insurance quotes offered by several companies online, for free. Take advantage of these free car insurance quotes and arm yourself with the best affordable car insurance product for you and your family.

Most States have made it mandatory for car owners to take out an automobile insurance. Some offer very low rates with car insurance quotes and this generally misleads the owner who ends up paying more than he bargained for, in case of an accident. Therefore, it is imperative that car insurance quotes are well scrutinized before making a decision. Since car insurance quotes can be downloaded free, select several insurance agencies in your area and get comparative car insurance quotes with details of payment terms, etc. Check with a licensed agent who has a good reputation in your area. Getting car insurance quotes from cheap automobile insurance agents could put you and your family in jeopardy in case of a severe accident. Beware of agencies that offer ridiculously low car insurance quotes and disappear after receiving down payment. You could loose what you thought was a good investment.

Car insurance quotes show that a hybrid electric vehicle could cost far less than a fancy sports car with bright metallic colors. If you are looking for an affordable option, chose wisely and get good comparative car insurance quotes from your licensed agent, so that you are protected in any eventuality. The car insurance quotes, available free, guides you as to the right type of coverage you need. Normally, the basic insurance covers liability and third party damage only. Check if your car insurance quotes cover gap insurance, whether listing your college going kid who is using your car is a good option etc. Weigh the pros and cons with the car insurance quotes that you have collected and consider all the options.

What are affordable car insurance quotes? A premium rate, in line with the cost of the vehicle, deductibles that ensure your liabilities are covered when there is a collision, even though you are not at fault, and more importantly, covers the medical expenses for you and your family, should there be a severe accident. Get car insurance quotes for protection against accidents arising from accidents caused by the driver of the faulting vehicle. Make sure, when you read the car insurance quotes listed, you are covered for medical expenses of the third party too. Medical expenses can send you to the cleaners if you are not sharp. It is not necessary that your car insurance quotes be clubbed with house and property insurance. Look for affordable yet well-covered car insurance quotes when you shop for insurance protection. Give your family the love and protection they look for.

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