Car Loan / Financing For Your Vehicle

There are still many young executives who do not have the means of purchasing a new car. They have to content with buying a second hand car. They usually shop for financing their vehicle with a bank or some finance companies on certain terms and conditions.

There are many finance companies available in the market offering competitive rate of interest for the car loan. Some usually offer a low interest rate in the beginning. However, there will always be a penalty clause that stipulates that if the amount is not paid by a certain date then a penalty will be imposed. One has to be very careful before signing of any of such document.

There are some finance companies which even offers zero percent interest on used car loans . There is a catch in this, however. Remember, no company will do business at a loss. So be careful in such dealings. Do not end up in a hot fix where you will end up with more issues over trying to save a few bucks.

What is Covered in a Basic Car Insurance Policy

There are basically 6 types of car insurance coverage :

Bodily Injury Liability

This coverage applies to injuries that you, the designated driver or the policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.

It is important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Do consider purchasing an auto insurance policy that is more than the state-required minimum to protect assets such as your home and savings.

Medical Payments or Personal Injury Protection (PIP)

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's vehicle. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

Property Damage Liability

This car insurance coverage pays for damage that you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, fences, buildings or other structural property that your car hit.

Collision

This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over.

It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000, and the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your auto insurance company may try to recover the amount they paid you from the other driver’s car insurance company.

If auto insurance company is successful in recovering the amount, you'll also be reimbursed for the deductible as well.

Comprehensive

This car insurance coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as falling objects, fire, missiles, explosion, earthquake, vandalism, windstorm, hail, flood, riot, or contact with animals such as birds etc.

Comprehensive auto insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.

Comprehensive car insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

Uninsured and Underinsured Motorist Coverage

This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.

Underinsured motorist coverage comes into play when an at-fault driver has insufficient auto insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

Check out which car insurance policy suits you the best and your budget and be equipped with one that suits your lifestyle. It is best that you get adequately insured to protect your interests.

Other Auto Insurance Considerations

These car insurance policy considerations may seem minor, but being aware of them may save you time and money.

When Moving From One State to Another

If a job change or circumstance requires you to move from one state to another, you'll likely have to revise your auto insurance.

Forget the notion that you are going to start over in a new spot with a new car insurance company and leave behind a troubled driving record. In this era, any company will likely turn up your record from the Department of Motor Vehicles in your former state.

Insurance Add-Ons

Your auto insurance agent or direct-sales company is likely to offer other small add-ons. Rental-car reimbursement may be worth it if you have just one vehicle. If your family has more than one, you may be able to skip paying for this car insurance coverage. Likewise, roadside-towing insurance is unnecessary if you already belong to the American Automobile Association or some other auto club.

Insurance for Leased Cars

If you are leasing a car or plan to lease, be sure you have gap insurance. This covers you if your car is totaled and the leasing company demands more of a payback than what your auto insurer is willing to pay. The best time to get such insurance, by far, is when you initially lease the car. Most major leasing companies and automakers finance subsidiaries, such as General Motors Acceptance Corp., offer such car insurance as part of their leases.

No-Fault Insurance

Moving from a conventional insurance state to one with no-fault insurance could mean sizable changes in your policy. When adopted in the early 1970s, no-fault laws were intended to sharply reduce the number of lawsuits, and thus reduce auto insurance premiums. It hasn't worked out as intended. Many no-fault states have car insurance rates just as high as conventional states' rates.

States with no-fault insurance include the following :

* Florida
* New Jersey
* New York
* North Dakota
* Pennsylvania
* Utah
* Kentucky
* Massachusetts
* Michigan
* Hawaii
* Kansas
* Minnesota

With no-fault policies, damages aren't collected from the at-fault driver's auto insurance company. So each motorist must carry personal injury protection to pay individual medical expenses and lost wages. Even if an accident involved an out-of-state driver from a conventional insurance state, the PIP provision in the home-state motorist's policy probably would kick in to cover any injuries.

Other Considerations

Here are some factors you may not have considered that could affect what you pay for car insurance.

How can my spouse, significant other or business partner affect my auto insurance rates ?
If someone listed as a regular or occasional driver on your car insurance policy has a poor driving record, it will push up premiums. Sometimes, just having a roommate with a poor record who turns up as an address match in the computer can push your auto insurance rates up even if you never loan out your car.

Is it me or my car that's insured ?
You carry your car insurance policy with you when, for example, you rent cars — provided your coverage includes collision. If so, refuse the offer from the rental company of the expensive add-on collision coverage.

Does the auto insurance company pay me directly if I file a claim ?
That really depends on the company and the claim. If your car needs body work, the insurer might pay the body shop directly — especially if the company has a preferred network of shops. If your car is totaled, you are more likely to get a check directly.

What if a friend borrows my car and gets into an accident ?
If he or she isn't listed on your car insurance policy and gets into an accident with your car, your insurance carrier may consider this so-called permissive use and cover the damage. However, you should ask your auto insurance agent about this before lending someone your car keys.

If you come across car insurance considerations and would like to get it noted, please feel free to drop a comment note.

Auto Insurance Checklist 2009

Looking for a comprehensive auto insurance for the coming year ? Below is a list that you may find useful when hunting for a good car insurance deal. Now is especially a good time as during the Nov/Dec period where insurance premiums tend to be very competitive as insurance agents want to close more sales before the end of the year. Furthermore, many people will tend to have received their bonus package by year end and will have more money to spend.

Now, the price you pay for your car insurance varies depending on your driving record, the type of car you have and the insurance company you buy your auto insurance policy from.

Here is a list of things you may like to do to save you some money.

1. Look Around and Request for Car Insurance Quotes

Get at least three to five auto insurance quotes. You can call companies directly or access information on the Internet with the aid of Google or Yahoo search. Or simply use your local Yellow Pages and you will easily be able to find the contact details of quite a number of reputable car insurance companies and their agents.

In any case, do get quotes from different types of insurance companies. Some sell through their own agents whilst others sell through independent agents who offer policies from several insurance companies. Other companies, on the hand, sell directly to consumers over the phone or via the Internet. The price varies depending on the sales method used.

However, it is advisable not to shop soley by price alone. You want a reputable company that answers your questions and handles car insurance claims fairly and efficiently, on top of being reliable.

Other sources for finding the right kind of insurance company include : word of mouth from family, friends and associates, as well as your state insurance department, where you can find consumer complaint ratios by company.

2. Compare Auto Insurance Costs Before You Purchase a Vehicle

Your insurance premium is based in part on the vehicle's listed price, the cost to repair it, its overall safety record and the likelihood of theft.

Many insurers offer discounts for features that reduce the risk of injuries or theft, such as air bags, daytime running lights, anti-theft devices, anti-lock brakes etc. Note that expensive cars that are favourite targets for thieves cost more to insure.

3. Buy your Auto and Homeowners Insurance Coverage from the Same Insurer

Many insurers will give you a discount if you buy two or more types of insurance from them.

Also, you may get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce insurance premiums for long-time customers.

Make sure you do your maths and shop around carefully; you may still be able to save more money buying from a different insurance company even with the multi-policy discount.

4. Ask for a Higher Deductable

Your deductible is the amount of money you pay out-of-pocket before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially.

For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage premium by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more.

However, keep in mind that you'll need to have the amount of the deductible on hand should something happen to your vehicle.

5. Reduce Auto Insurance Coverage in Older Cars

Consider dropping collision and/or comprehensive coverage on older cars.

It may not be cost-effective to continue insuring cars worth less than 10 times the amount you would pay for coverage. Any car insurance claim payment you receive would not substantially exceed your premiums minus the deductible. Claims occur on average only once every 11 or 12 years.

Auto insurance dealers and banks can tell you the worth of a car.

6. Inquire about Group Insurance when looking for Car Insurance Policies

You may be eligible to get insurance through a group plan from your employer, or through professional, business and alumni groups or other associations. Group plans often provide substantial discounts on insurance.

Ask your employer, or any groups or clubs of which you are a member, about this option.

7. Low-Mileage Discounts On Your Auto Insurance

Some companies offer discounts to motorists who drive a lower than average number of miles per year.

Low mileage discounts can also apply to drivers who car-pool to work.

8. Maintain Good Credit Records May Lower Your Car Insurance Premium

Your credit rating may affect what you pay for your auto insurance, so monitor it carefully.

You can get this information directly from the three major credit-rating agencies (Trans Union, Equifax and Experian). There are also various Web sites that allow you to check your credit rating and provide tips on how to improve your score.

9. Seek out Safe Driver Discounts when Applying for Car Insurance

Most insurance companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years.

You may also qualify for a cut if you have recently taken a defensive driving course, if you are over 50 and retired, or if there is a young driver on the policy who is a good student, has taken a drivers education course or is away at a college, generally at least 100 miles away.

When you comparison shop, be sure to inquire about discounts for the following (availability will vary according to the state and company) :

• Defensive driving course
• No accidents in 3 years
• No moving violations in 3 years
• $500 deductible
• $1,000 deductible
• Student drivers with good grades
• College students away from home
• Daytime running lights
• Low annual mileage
• Drivers over 50 to 55 years of age
• Driver training course
• Air bags
• Anti-lock brakes
• Anti-theft device
• More than one car insured with the same company
• Auto and homeowners coverage with the same company
• Customer with insurance company for a long time
  

Do remember that the key to savings is not the discounts but the final price. A company that offers few discounts may still have a lower overall price. Getting a car insurance is compulsory before you can drive on the road. Do your maths carefully and work out the best and most affordable auto insurance plan that suits your needs and comfort, complete with a good customer service support.

To conclude : The bottomline is to drive carefully and safely and not to put your life, your passengers and your vehicle at any risk.

Auto / Vehicle Financing Loans

Thinking to buy a vehicle, but don’t have the finance?

Having no time to go to the bank to and one can apply enquire about the loan or indulging in cumbersome process of taking a loan.

Every one today enjoys simple, quick and hassle-free processes. Go onto the internet, use Google or Yahoo and do a simple search and many offers will pop up.

My own recommendation is Apex Auto Loan. A visit to their site http://www.apexautoloan.com/ can be of help. Apex Auto Loan are available for both new and used vehicle purchases and can be obtained in just a few minutes. Apex Auto Loan specializes in auto loans and financing including Bad Credit Auto Loans online for such loans.

So go ahead and fulfill your car dreams.

Taking a Look At Motorcycle Insurance

As with vehicles such as cars, wagons and trailers, your motorcycles and scooters also require insurance..... and getting motorcycle insurance is certainly compulsory if you want to ride your bike on the road.

Thus, it is not enough to have a motorcycle and the riding gear; you must have motorbike insurance before driving your motorcycle on the road. You will definitely be fined for not having a motorcycle insurance.

Many insurance companies offer motorcycle insurance. It can also be bought at the time of motorcycle purchase. Some motorcycle and scooter manufacturing companies also offer insurance facility. But if you didn't get motorcycle insurance from the company, you may get it through your auto agent.

The internet is helpful in getting motorcycle and scooter insurance advice, quotes and suggestions. Find out competitive quotes for your motorcycle insurance on the websites of insurance companies offering motorcycle insurance. Use Google and Yahoo to search for local companies in your area. If you just visit their websites, you will definitely get the insurance quote of your own choice. Note that the premium is decided in the backdrop of facilities you get with insurance. Usually the cheap quotes do not promise many benefits. Some of the insurance companies provide you online insurance facilities also to save your time.

The premium for motorcycle insurance is decided keeping in view certain factors about your age and the driving history. A bad driving record may result in a heavy insurance premium. Likewise, first time riders have also to pay high rates for their motorcycle and scooter insurance.

Among other significant factors affecting the insurance premium rates of your motorcycle is the area in which you reside. Moreover, the security arrangements on your part for your motorcycle and scooter can also influence the premium rates offered by the insurance company.

An area where crime rate is high proves a higher hurdle in getting cheap motorcycle insurance quotes and so is the case with insufficient security arrangements of motorcycle parking.

As the insurance company has to pay claim in case of theft or damage to your bike and scoters, the company also notices the condition of motorcycle and scooter before offering its quote. Just like other vehicles, brand new motorcycle insurance is available against high premium rates.

Your yearly use of your motorcycle and scooter also plays an important factor in getting good rates for motorcycle and scooter insurance. For instance, if you do not drive frequently, the insurance rates would surely be low.

Take some time out to onsider all the factors and options you have gathered and decide on the best motorcycle insurance package that will meets your personal preferences as well as safeguard your wellbeing. It is always better to be safe than sorry.

How Much Car Insurance Do you Actually Require ?

A growing number of people are dropping their auto insurance in other to try and save some money, according to a recent study by the Insurance Research Council (IRC).

If the current rate of unemployment continues, the IRC estimates that the national uninsured rate will climb from 13.8 percent in 2007 to 16.3 percent in 2010. With that many people driving without coverage, it is certainly very dangerous to go uninsured.

So the question is : How much car insurance do you really require ?

If you're like many people feeling the pinch, your inclination is to get the minimum insurance coverage required by the law in your state. That's a good place to start, though those minimums may not fully protect you -- or your assets -- if you are to file a claim.

We recommend getting more than the minimum coverage unless you are driving a beater and have no assets to protect.

Every state in the nation, except for New Hampshire and Wisconsin, requires that you have liability insurance, and that mandatory coverage varies according to state.

Personal Injury Protection (PIP), or Medical Payments (MedPay) in some states, pays for your own medical expenses, any lost wages and whatever other costs may arise when you're injured in an accident. It usually pays about 80 percent of your losses, and it also pays a death benefit.

PIP is required in: Arkansas, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania and Utah.

Some states also require you to purchase car insurance that will cover your own medical expenses, pain and suffering losses and, in some states, car damage in the event that the other motorist is at fault and is either uninsured or underinsured.

Even though each state has minimum (or no) requirements for bodily injury liability, it is probably in your best interest to purchase higher limits. If someone else is injured and you're at fault, the minimum liability coverage may not cover their medical expenses, in which case their attorney will most likely come after your assets.

It is generally recommended that you purchase 100/300 limits of bodily injury liability. On the other hand, if your personal assets do not amount to much, you don't have a whole lot for them to bother about, so the minimum requirements might actually suit you and will save you some much-needed cash.

Besides various forms of liability insurance, there is collision and comprehensive auto insurance coverage to consider. Collision covers damage to the policyholder's car resulting from running into anything, be it another car, a fire hydrant, or a light post.

Comprehensive auto insurance coverage takes care of your car in the case of theft, fire, falling objects, explosions, or other unexpected problems.

Collision and comprehensive car insurance coverage are required in most lease contracts, and are essential if you own an expensive car. If you're driving an old rattletrap, on the other hand, and the sum of your premium and your deductible are close to or exceed the worth of your vehicle, you might want to consider doing without this coverage.

Before you purchase any type of auto insurance coverage, be sure to study your other insurance policies so you don't end up paying for something you don't need. If you have a decent health insurance plan, you might get away with purchasing the bare minimum personal injury protection coverage- or none at all if your state doesn?t require it. However, you might end up paying a co-pay and deductible that wouldn't apply if you have PIP or MedPay.

Uninsured or underinsured auto / motorist coverage might also be a wise buy, even if you have full medical coverage, as it can pay for your pain and suffering damages. If you belong to an organization that offers roadside assistance, you don't need to purchase that through your insurer. The same thing applies for mechanical breakdown insurance if you own a newly financed or leased vehicle which is still covered under warranty.

It's easy to be resentful of the money spent on car insurance. Keep in mind that auto insurance will most likely come to your rescue at some point, so it's imperative to purchase a worthwhile policy.

Know what auto insurance coverage you must have and know what additional coverage fits your lifestyle. Never take it for granted. Then if trouble strikes, you'll be ready.

Auto Insurance Is Absolutely Necessary If You Own A Car

Automobiles are counted amongst some of the most expensive possession we use in our daily life. Their proper care and safety demands great vigilance on our part. Car theft is common everywhere and can cause you great monetary loss, if by chance you lose your vehicle.

There is always a possibility of road accidents which may deprive you of your costly vehicle. To avoid any such situation, vehicle insurance or auto insurance is regarded the best possible solution which can save you from a heavy loss.

The variety in cars is unlimited and so is the price range which could be in millions. Certainly, cars need the best attention of their owners as regards to their security.

Owing to multiple benefits, car insurance is compulsory in many parts of the world. But it is also a truth that you have to pay a considerable amount of money to the car insurance companies for your vehicle insurance. Obviously, people aim for maximum benefits on auto insurance whilst paying for only nominal charges.

Competition among auto insurance companies also creates the possibilities of having the most competitive rates for car insurance. Before getting your vehicle insured, it would be appropriate to check the insurance rates offered by different auto insurance companies.

The internet is a rich source of information for you to collect thorough information on car insurance. A number of online auto insurance companies are there to provide you affordable insurance rates that can fit your budget.

With just a few clicks on the internet, or Google/Yahoo or other search engines, you may find many car insurance companies with great benefits. Auto insurance companies on the internet also display insurance quotes for the sake of their customers. These quotations help you to compare the different car insurance prices with the prices offered in the market by other auto insurance companies and may assist you in making a decision.

Some of the reputable insurance companies also offer special discounts on auto insurance. Such discounts are usually part of the promotion schemes that can be rewarding for common people. Auto insurance frees you from all impending problems and save you from financial worries in case any mishap happens to you.

Getting a car insurance is absolutely compulsory if you want to drive a vehicle. It also provides monetary comfort should you get into any unfortunate road mishaps or if your vehicle gets stolen. Depending on your location, do check out the minimum insurance requirement that is needed. More often than not, however, it is advisable to go above state minimum auto insurance requirements if you are able to afford a better premium for a more comprehensive protection on yourself as well as for your vehicle.

Types of Car Insurance Coverage

The following is a list of some required and optional auto insurance coverage that is required if you want to drive a vehicle on the road :

Personal Injury Protection (PIP) -- pays for expenses resulting from injury or death to you or your passengers, regardless of who is at fault. This car insurance coverage will also pay a death benefit to the deceased's survivors. Different states will have different requirements on this.

Bodily Injury Liability -- pays for medical or death expenses resulting from an accident in which you are at fault.

Property Damage Liability -- pays for repair or replacement and legal expenses for property damaged in an accident in which you are at fault.

Collision -- optional in most states, this pays for damage caused to your car in a collision or rollover, minus a deductible set by the insured. Higher deductibles typically result in lower insurance premiums.

Uninsured/Underinsured Motorist Protection -- pays personal injury or death benefits if you are involved in an accident caused by an underinsured, uninsured, or a hit-and-run driver.

Comprehensive -- pays for damage caused by theft, fire, vandalism and most natural disasters. Though optional in most states, banks will typically require you to purchase this car insurance if the vehicle you are buying is being used as collateral for a loan. Equipping your vehicle with certain anti-theft devices will also help to reduce your auto insurance premium.

Understanding the different types of auto insurance coverage will enable you to make the right decisions when getting a package that suits your lifestyle as well as fits comfortably into your budget.

Concept of Insurance

Welcome to Auto Insurance World blog which covers mainly information on car insurance news, tips, options and advice.

To kick off this blog, let's talk a bit for a moment on the concept of insurance.

The most fundamental concept of insurance is to provide "shelter" to a property (vehicle, house etc) , things and the human life against all expected losses. The procedure of insuring something may be complex in nature but the basic concept revolves around proper risk management.

Basically, the insurance contract is signed between two parties, the insurer and the insured. The insurance company is known as the insurer as it provides safety shelter to the insured against a premium sum of money, decided between both parties.

There is always a possible likelihood of loss to our precious things due to an unfortunate incidentor event, which we may be unable to avoid. It also includes human life, which is beyond all doubts, the most precious thing. Such occurrence causes us huge loss and may even be almost unbearable for us. In these situations, insurance seems to be a highly profitable and supporting way to mitigate the intensity of our calamity.

Though insurance does not claim for the total recovery of such losses but it does prove to be a blessing in avoiding big losses and help us maintain ourselves after what we have faced. On account of so many advantages of insurance, it is no wonder why the practice is very common in all countries. It can be said that over the years, insurance has made a tremendous progress throughout the world.

Insurance companies have created maximum possibilities of risk management with regards to all the precious property we hold dear to, the loss of which may have a devastating effect on us. In most developed countries, it is often necessary to have life insurance to cover the risks to human life. Already, developed countries would have in place, the minimum government policies and basic social benefits that will help in medical subsidies. That said, it is also compulsory to buy auto insurance before you can drive a vehicle on the road and there are minimum requirements depending on your location.

Hence, regarding expensive property such as vehicles, homes, jewellery etc, insurance provides some sort of security to them as a mishap will not cause them a heavy damage. Against a small insurance premium, to be paid monthly, quarterly or annually, you can ensure maximum security of your life and valuable belongings/property.

This essentially is the fundamental concept of insurance.

Feel free to add comments to my posts.

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