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Car Insurance – How can you lower your premiums?

admin — Mon, 19 Jul 2010 01:49:31 +0000

Many factors influence the premium for your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote – some of which will affect your premium and some will not. Below we discuss the key variables that are within the policyholder’s control.

Consolidating policies

By insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a bulk buy discount.

Location

A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.

Excess

By agreeing to pay a greater excess on each claim you can reduce your car insurance premiums. This is because you are reducing the liability of the insurer and therefore in return they are able to offer you a lower premium.

Your Vehicle

The cheaper and slower your vehicle the lower your premiums are likely to be. If you are looking to buy a new vehicle make sure you fully consider the cost of insurance you may be able to buy the car but can you afford to run it?

Mileage

You can control your insurance premiums by restricting your annual mileage. However, be aware that if you exceed the restricted number of miles you’ll then become uninsured!

Parking

Where you park your vehicle overnight is also very important to the insurers. If it is kept in a locked garage, you should be offered a lower premium than if you leave it unattended in the street.

Security

Security devices that prevent or hinder theft may also reduce your premium. Common examples include alarms and immobilisers, however, be aware that as we improve the quality of our security devices the thieves just become better at bypassing them.

No Claims Discount

Save up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you’ll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.

Advanced driving skills

By taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums. Two key variables NOT within the policyholder’s control.

Your Sex.

Women are statistically less likely to have an accident and, if they do, it’s less likely to be serious. Because of these statistics women benefit from lower premiums. It is also worth noting that if you represent one half of a couple you should consider having the female as the primary driver with the male as the second driver.

Your Age

The older you are, the less likely you are to make a claim. As a result insurance companies charge lower premiums for more mature drivers.

One final piece of advice.

A large percentage of car insurance is now sold on the Internet. That’s because it’s convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.

Car insurance for lady drivers

admin — Tue, 06 Jul 2010 13:40:05 +0000

Car insurance companies prefer lady drivers to their gentlemen counterparts because they are considered as much less risky drivers. It is not that the accident rates of ladies are low. They face as many accidents as males do. However, the damage caused by them is not as much in most of the cases. So, their claims after the accident are also less. That is why on an average womens car insurance premiums tend to be 30% lower than that of the male counterparts having same demographic profile.

They drive at speeds lower than men. Hence, accidents caused by lady drivers are not serious. So, even if they might claim as often as males do yet, in all they claim less amounts, giving insurers lesser premiums. Since the male drivers drive at higher speeds so even if they crash on their own, the loss is high. In case, the accident involves two vehicles in high damage state, it becomes an insurance companys nightmare.

A lady is regarded to be a better risk right from the age of 17. There are many premium discounts available for a young lady driver, like pass plus certificate. It is a series of extra lessons that a young lady driver learns following their test. It can gain you a discount of around 30% for the first year.

Some car insurance companies specialise in auto insurance for women drivers. Literally, these companies try to insure women drivers only. They dont even encourage getting a lady insured with her husband under combined policy. Because they cant give too much discount, as they have to think about her husbands high risk factors as well. So, they would prefer woman with woman. It means providing less risk in total, meaning lower premiums in total. That really clicks for them.

So, the calculation is simple – the lower premiums might mean that they don’t make much profit. However, if they can get as many women as possible, then the volume of business can go high. Look out these companies if you are a woman. Lady car insurance quote includes legal cover as well. It helps you to claim back your excess from the third party in the event of a non-fault claim. You can further lower your premium by parking your car overnight in the garage, by getting extra driving license course, and maintaining a good driving record.

Car Insurance Policy What To Know About Car Insurance

admin — Fri, 25 Jun 2010 17:56:50 +0000

Car Insurance Policy What To Know About Car Insurance Before You Shop

The car insurance policy has a lot of legal language that most of us do not begin to understand. The essential parts of the car policy are found in the declarations page that you receive when your policy renews. Car insurers are always competing for each others policyholders. Every car insurance company uses actuaries and underwriters to help determine the rates.

Rating Territory Whether you like it or not, your neighbors and friends in your community help determine the rates in your area. These areas are called rating territories by the insurance companies. If there are high losses and frequency in your area then your rates are going to be higher. The opposite is also true.

Liability Insurance Liability insurance protects you when you are liable in an automobile accident. This is valuable protection for you because this is the portion of the possible that insures you against the highest risk and financial loss. Liability claims because of death and injury are by far the largest. Dont cut yourself short in this area.

Physical Damage Insurance This portion of the car insurance policy pertains to your vehicles. It is a good idea to self-insure in this area by purchasing this coverage with high deductibles. Low deductibles no longer warrant the high premiums for the protection afforded. High deductibles will save you thousands of dollars over the life time of a policy.

Car Insurance Discounts There a number of discounts in car insurance, Vehicles with air bags, seat belts, anti-lock brakes, and anti-theft devices all have discounts. Senior drivers can receive retirement discounts. Young drivers with driver training education receive discounts. Some companies give good student discounts for the young driver with a 3.0 grade point average.

Its also important to have certain information available when shopping for car insurance. The vehicle identification number for all vehicles, the drivers license number for all drivers, and your current insurance information will make your shopping easier.

Car Insurance Rates Can You Lower Them?

admin — Mon, 14 Jun 2010 05:19:01 +0000

Car insurance rates are prohibitive nowadays. Many families really struggle to pay the car insurance bill each month. And car insurance rates vary all the time. So if car insurance cost is an issue for you, what can you do about it?

The car insurance industry is a massive industry. It is also a highly competitive one, and car insurance rates vary over time as car insurance companies compete for business. Car insurance rates are often highly fluid.

It is entirely possible to lower the cost of your auto insurance rates by altering your behaviour, and you can do this by having a better understanding of how the rates are assessed.

Car insurance rates are based on an assessment of risk. Whilst insurance companies vary their rates to compete with other insurance companies, they also vary their rates based on their assessment of the risk posed by a particular driver driving a particular car. They do this because there is no point in buying business with low car insurance rates and then insuring high risk drivers at these rates. This is a recipe for losing money.

So, if you lower your risk, you lower your car insurance. How do you
lower your risk? Well theres a number of ways that your own driving and car behaviour can affect your car insurance rates.

Have a look at the car you drive. Is it suitable for your current needs? If not then would it be worthwhile to consider a change?

Different cars attract different auto insurance rates. Sports cars, high powered cars and cars at greater risk of theft attract higher rates. How long have you had your car and would it be wise to think about another one that would be cheaper to insure and more useful to you?

Are you a safe driver? Do you stick to the speed limit? Are you at risk of other driving offences? Many people do not think about some of the consequences of speeding tickets and driving offences until after they have seen their subsequent car insurance bill.

Your risk profile is a direct result of your driving record. A clean driving record and you will be rewarded by cheaper rates. A poor driving record and you will be penalised, usually for quite a while.

Are you willing to attend driver training courses? Many car insurance companies offer specific discounts for drivers who have attended a course. Why? Lower risk.

Are you willing to drive less? Could you car pool or use public transport to get to work? Car insurance companies look at the amount of driving their clients do when assessing their car insurance rates. Why? Lower risk. Less miles driven equals less risk. And youll save on other car costs too.

So if auto insurance costs are an issue for you and your family there are things you can do. These are just a few of those things, there are many more. Car insurance rates are not set in stone.

Car Insurance Tips to Remember

admin — Mon, 07 Jun 2010 05:20:20 +0000

Lost your car? Well, provided your car has been insured, you can always get a reimbursement. That’s the good thing about car insurance. It means insurance against loss due to theft or traffic accidents. Getting car insurance would guarantee payment of expenses incurred when your vehicle is involved in accidents, or is subjected to vandalism or theft. It also ensures you are able to cover the costs of potential damages or injuries.

Zero percent car insurance

Car insurance dealers may often make announcements of zero percent auto financing, and you may be tempted to go for this great deal. It would be a dream to drive away a new car with zero percent financing. This means a $15,000 car may fetch you savings in thousands, versus five-year car insurance with interest. However, you should know that this 0% car financing is not available for everyone. Many people even make the mistake of buying a more expensive car with no cost car insurance, thinking there will be no interest that they have to pay. Unfortunately, this happening is very rare.

Zero percent car insurance takes credit report into consideration to qualify for this insurance financing, and the guidelines for credit are extremely demanding too. There would be so many conditions of eligibility along with this offer that eventually only a few can actually get a great deal with the dealers. It is seen that car insurance with an interest rate offers a much better deal. Most of the time, this zero percent car insurance is offered only on some select vehicles; mostly on slow vehicles as the dealer’s main aim is to get rid of the vehicles.

If you are a first time buyer, or you have a limited budget for your car, you should carefully investigate the different insurance policies available, as some might suit you better financially. So do some research, as it is possible to get cheap motor insurance as well as keep the premium on the policy very low.

Tips on car insurance

Some important tips to remember are:

Higher excess: You can opt yourself to pay a higher excess in the event of an insurance claim.
Do thorough research on the internet, as online car insurance is a lot cheaper.
You get cheaper insurance if you get an approved immobilizer fitted in your car.
Get an insurance broker, as he can help you pick the right insurance.
If you are a student, you may gain some concession from the companies.
You can also get a cheap car with a small engine, as the more costly the car is, the higher the premium will be.
By building and protecting a ‘no claims’ bonus you will have a great impact on your insurance rates.
If your car was very cheap, it may be cost-effective to have third-party, fire and theft insurance, instead of fully comprehensive cover.
Never give your price first, and never take the first quote from an insurer.
If you can, get your own copy of Credit Report and show it to the insurance companies, as they will charge you to get it for you during the approval process.

Car Insurance Be assured for a safe drive

admin — Fri, 28 May 2010 08:46:03 +0000

Shopping for car insurance is the only way to save on the car insurance. Car Insurance is the perfect solution for your problem on car theft, accidents etc. People are quite dependent on their vehicles and losing a vehicle by an accident or theft will be a financial loss. Moreover it will affect our day to day activities like office, school, doctor’s appointment etc.

Benefits of Car Insurance Policy

Some insurance policies offer number of standard benefits, while other benefits are available as optional covers in return for an extra premium. Some of the more common Car insurance policy benefits are:
Windscreen
Driving other cars
Medical expenses
Personal effects
New car benefits
Lock replacement

Many auto insurance agencies offers you benefits like less premium, 70% discount on first-rate service (if our recommended garages have not repaired your car), free car servicing (if your car has been repaired by one of our recommended garages). They also provide you additional services like breakdown assistance and motoring protection at minimal price. A car insurance agency controls your car insurance policy from beginning to end.

Nowadays its easy to buy your auto insurance online. Online auto insurance is the best option if you want to save your money and time.

Additional Car Insurance policy services include

Motoring protection
This service pays for personal injuries that you have sustained from the accident and also we pay for injuries that others might have sustained. This service also covers for any kind of property loss. This service also handles any legal technicalities.
Breakdown assistance
This services provides assistance incase your car breakdown and more often than not at a worst possible time. Complete details of these services are available when you get your car insurance quote or renew your policy online.

Cheap Car Insurance 7 Tips To Reduce Your Car

admin — Fri, 07 May 2010 11:40:39 +0000

Cheap Car Insurance 7 Tips To Reduce Your Car Insurance Costs.

With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it is possible to find cheap car insurance, the question remains, is it worth buying?

Everyone knows that car insurance companies are not all equal. Cheap car insurance is wonderful when paying the bill, but make a mistake on the company you select and you could find that the cheap car insurance policy that you found may turn into a nightmare. Cheap car insurance may not turn out to be so attractive when making a claim.

So if you have found a discount car insurance broker dont just take the cheapest quote that you get. You need to find out a little about the insurance company that is offering the cheap car insurance rates.

And theres ways to reduce the cost of your car insurance even with the best of companies. Here are some tips for those looking for cheap car insurance to help reduce the cost of car insurance without compromising other things.

7 Cheap Car Insurance Tips

1.Look at your deductible amount. This is the amount that you pay first out of any claim. The cost of your policy is directly related to this amount. Many people, particularly those who have had their insurance policy for a long time, have never considered whether they ought to vary their deductible. If you have a good driving record and are prepared to increase the risk of paying a larger amount in the event of a (hopefully unlikely) claim you can save money by increasing your deductible.

2.Have a look at the type of car you drive. Certain types of cars attract higher car insurance rates. Cars such as sports cars and also certain makes and models that are prime theft candidates cost more to insure. If you are buying a car then find out which makes and models these are before you buy.

3.Drive carefully. Although it sounds a little trite to say it, your car insurance cost is a factor of your risk profile. You wont get cheap car insurance if you have had 3 speeding fines and 2 accidents in the last year. These things are all taken into account and you should take care with how you drive. It all adds up onto your bill. There are big safe driver discounts available.

4.Considering installing safety and anti theft devices in your car. Again these affect your risk profile. If you have a car that is safer and less at risk of theft it should be cheaper to insure. And if you have a car with certain safety devices now check that your insurance company is aware of these, if not tell them.

5.Look at your policy when it comes to renewal time, dont just pay. There are some things that you can vary in your policy that will affect the cost. Often there are some things there which duplicate other insurance that you may have that can be eliminated. Be critical, look carefully and ask questions about all these before you renew your policy.

6.Have a look at who your other insurers are. Many insurers offer a discount for multiple policies. If you insure your house with a certain company then ring them up and find out if they do car insurance. Get a quote from them. Find out what discounts they offer.

7.Find a good online discount car insurance broker before renewing. The internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Dont just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.

So if youre in the market for cheap car insurance theres some ideas for you. Dont just accept that car insurance is always prohibitively expensive, get out there and do something about it.

Comparing Comprehensive Car Insurance

admin — Mon, 03 May 2010 15:43:15 +0000

Comparing comprehensive car insurance will save you money and time. Instead of running around all day, looking for car insurance you can use the quotes online to compare policies.

The online tools give you access to thousands of insurance providers that will help you find the best rates.

When you consider car insurance, you want to think – comprehensive – third party – third party liability – third party fire/theft – and so on.

Comprehensive -

This full coverage policy varies from company to company. You can find full coverage that will cover a wide arrange of issues, yet some policies have stipulations, clauses, etc that stops at a point.

When you research for full coverage, look through the plans, compare to see what you have available. You will find plans that will cover your overall car needs, yet how soon they pay out is something to consider. Some companies will pay out quickly, while others will put you through more drama than you will go through in a car crash. Take time to explore.

The law in most states expects third party, i.e. you at least need liability coverage in your town to avoid court fines and costs. You want to check around. Some of the third party coverage insurance will cover basics, but if your car catches afire, you are hit.

Comprehensive coverage is often best if you own a newer vehicle. In fact, when you purchase a vehicle from a car lot you will have to have full coverage insurance before you can drive the vehicle away.

If you have insurance already and feel that, the cost is more than you should be paying. You can search the Internet and use insurance quote tools to find lower prices. Use the quote tools at the insurance sites online to compare cost, policies and companies.

Look for the lowest rates on premiums. If you agree to pay a higher deductible, you can get your premiums lowered. Deductibles range from $250 and up. The higher deductible you agree to pay the lower your premiums will be. Deductibles in the amount you agree to pay out of pocket on repairs caused from accidents, incidents, and so on.

If you have an older vehicle, you can surface with third party- third party liability – or third party fire/theft. Your best bet is to apply for third party liability. Third party insurance only will usually cover the other party’s damage and not yours. Liability protects you from lawsuits in the event you may cause an accident.

As I said, using the insurance quote systems online is wise. You can compare insurance costs and policies to learn more and find the best deals. Be sure to examine the company you discover offering good deals to make sure that this company has a good reputation.

Auto Insurance risk your car free

admin — Fri, 02 Apr 2010 22:09:47 +0000

Shopping for auto insurance is the only way to save on the auto insurance. Car Insurance is the perfect solution for your problem on car theft, accidents etc. People are quite dependent on their vehicles and losing a vehicle by an accident or theft will be a financial loss. Moreover it will affect our day to day activities like office, school, doctor’s appointment etc.

Auto Insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to cover for injury or property damage
Medical coverage pays for the cost of treating injuries, rehabilitation. It also pays for any lost wages and funeral expenses

A standard form of auto insurance is a package of different kinds of coverage. Some insurance policies offer number of standard benefits, while other benefits are available as optional covers in return for an extra premium. Some of the more common Car insurance policy benefits are:

Windscreen
Driving other cars
Medical expenses
Personal effects
New car benefits
Lock replacement

Additional auto Insurance policy services include

How To Insure Your Classic Car

admin — Thu, 18 Mar 2010 18:58:07 +0000

If you own a classic car, you already know that they can be difficult to insure. You have things to consider that are unique to classic vehicles. Here are some things to consider when choosing an insurer for your classic vehicle.

How will you be using your antique or classic vehicle?
You should get coverage for how you use your vehicle. If you are not driving your vehicle daily, why pay for it. If your insurance company has experience with classic cars, they probably offer policies for vehicles that are only driven on weekends or are never driven at all. The more you drive it, the more the risk and the more you will pay. If you get a policy for a vehicle that is supposed to be garaged, you will not be covered if you choose to drive it. Make sure that you accurately state how you will using your vehicle so that you will be fully covered but not overcharged.

How much is your car worth?
Do not assume that your insurance company knows how much your car is worth. You might find that you value it much more than they do. Obtain a policy where the value of the vehicle is stated in writing. Get a written appraisal on your vehicle so there is no question on its value.
Does the insurance company have classic vehicle experience?
If possible, choose a company that has experience dealing with classic automobiles. Most insurers have no clue and will be unable to match you with the right policy. If you are a member of a car club, ask around for recommendations. If you cannot get a referral, interview your agent. Ask them what kind of policies they have for classic cars. If they try to fit you into a basic policy, find another agent.

Are there any restrictions?
Find out in advance if there are any restrictions on the use of the vehicle. You must know in advance if you are limited to a certain mileage or if you have to garage it at a certain location. Read your policy carefully.

Don’t just accept the first quote that you receive. Do your homework and you will find the auto insurance policy that is right for you and your car.

Compare car, travel and more cheap insurance quotes » Insurance Car

Car Insurance – How can you lower your premiums?

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