Auto Insurance Discounts

Some general ways to get discounts on your car insurance are listed below :

Having good credit rating :
Auto insurers have come to believe that drivers with a good overall credit rating are also good insurance risks. You can't apply for this discount directly; your credit standing may be factored into your original rate quotation. The company checks it just as it does your driving record. It's a good idea to periodically check your credit rating and make sure it contains no unfavorable errors. If it does, do what's necessary to remove the unwarranted blemishes.

Being a Safe driver :
If you've had no moving violations or accidents in the past three years, you might be able to reduce your premiums by as much as 40 percent. It never hurts to ask your car insurer for such premium reductions.

Presence of Anti-theft device :
For the most effective security devices — especially engine cutoff switches that prevent a vehicle from starting without the correct key — companies often give a 15 percent discount on your comprehensive coverage. The best devices are built in by manufacturers, so check for these when you are shopping for a new car.

Getting your auto insurance policy with existing insurer :
If one of your potential choices is the company that provides for your homeowner's insurance and other insurance needs, it may offer a 10 to 15 percent break on your auto insurance coverage.

Preferred vehicles :
Several major car insurers now make allowances for specific vehicles and how effective they are at protecting occupants during an accident. State Farm, for instance, cuts rates for personal injury protection coverage for vehicles that best protect occupants in a crash. But because PIP coverage makes up only about 10 percent of your auto insurance premium, owners of preferred vehicles will receive savings of $50 a year or less.

Allstate is also taking a similar approach to PIP. But unlike State Farm, it also takes into account how much damage a vehicle does to other vehicles in a crash. So some large autos, especially SUVs, get a discount for occupant protection offset by an added premium for the extra damage they do, according to Allstate claim records. Owners of minivans and large sedans, however, are likely to get an occupant protection discount with no offsetting damage increase.

Funny Car Insurance Commercial Found on Youtube

This is a funny auto insurance commercial I found on Youtube.

This lady was so comsumed with her car insurance that during her laundry washing, she "accidentally" also placed her cat into the washing machine !

Enjoy the light moment ! Will have more of such funny commercials up on my blog :)

Get The Best Service Available for Your Auto Insurance

Though you may get quotes from most insurance companies by using an auto insurance broker, it is still worth trying out and investigating some of the cheaper companies directly as they might have cheaper rates if you buy from directly them as they don’t have to pay a commission to an insurance broker.

Other kinds of sites that you will run across in your search for auto insurance, are those that claim to keep a database of car insurance quotes, or can get you quotes for all of the top insurance companies.

Comparing the quotes of different companies on the internet provides a wider platform to the consumer, where they can compare quotes from several companies and finally choose one amongst them.

Another tip to avoid trying to contact too many companies is to get an insurance broker as they can keep in touch with a lot of different auto insurance providers for you and then give you the best quotes quickly. This, is of course an option but you must remember that brokers will earn a commission if you buy from them so your fees may end up slightly higher.

Before buying car insurance, it is important that you analyse the companies that provide vehicle insurance quotes. Finding the right auto insurance company for you is an important task, and as such, you need to invest some time and energy in locating the company that will offer you the best deal.

If you drive a vehicle, you are required by law to have insurance coverage, so why not use free auto insurance quotes to get the lowest rates possible.

Also when it is time to renew your insurance all you really have to do is to compare your current auto policy and coverage amount against some other quotes to make sure that it is still a good deal.

Purchasing a yearly car insurance policy will provide you with greater savings since the premium rate is fixed for one year compared to buying a six-month policy which changes rates every six months.

A reliable auto insurance company is one that has a good reputation of paying or settling claims in the fastest time possible and pays the correct amount of claims.

Also, the best time to switch to a new auto insurance company is when the current policy is about to expire.

Shop, compare and then make the switch to an auto insurance company that is right for you. Auto insurance quotes can be accessed for free not only from an insurance agent over the phone, but also online.

Premiums are often based on that auto insurance company's claims experiences with different policyholders in your same coverage group. Let us say that you have two cars (for the sake of the illustration) that you want to insure with a car insurance company.

Playing on your ignorance - Most people don’t clearly understand their insurance needs and are also unaware of different products floating around in the market.

Auto insurance company policies consist of mainly six types of coverage or benefits, including bodily injury, property damage liability, medical payments coverage, uninsured or underinsured motorist coverage, comprehensive coverage and collision coverage

I hope this will help you in your search for the best car insurance service available.

Is Insurance Needed when Travelling by RV ?

Are you interested in taking a RV trip soon ? Got your insurance for it ?

If you are, you may have a number of questions. Many RV owners and renters are concerned with auto insurance. Many wonder what will happen in the event of a motor home accident. To help you determine if you should purchase RV insurance for your next motor home trip, di read on !

The first step in determining if you need to purchase RV insurance is by taking a close look at the motor home in question. Do you own it? If you do, RV insurance is advised. As with traditional car insurance, RV insurance can be purchased in increments, such as six months, one year, or even longer. RV owners are likely to take more trips over a one year period; therefore, RV insurance can be considered a wise investment.

If you are interested in buying RV insurance for your motor home, you will first want to contact your vehicle insurance company. Many insurance companies provide discounts to customers who hold more than one policy with them. For that reason, contact the insurance company that may be handling your home insurance, renters insurance, or auto insurance. First, ask if they insure motor homes and then ask if you can receive a discount.

As for RV renters, there are a number of important questions that should be asked. When asking these questions, start with the RV rental company you would like to do business with. Are you covered in the event of a breakdown or an accident? Most RV rental companies extend coverage down to their renters, but there are no guarantees. If you are covered from damages that may result from a minor accident, you may first need to show proof of a good driving record and proof of having auto insurance yourself.

Speaking of car insurance, there are many renters who take steps to add a rented motor home to their current car insurance policy. This is ideal for one time renters. With that being said, not all insurance companies offer this option; however, you may be given alternatives, such as by purchasing vacation insurance. As a reminder, be sure to first speak with the RV rental company you plan to do business with before taking any large or costly steps.

As previously stated, some RV renters are able to temporarily place a rented or borrowed motor home on their current auto insurance policy. Many RV owners are curious about doing the same. Depending on the insurance agency, this may be possible; however, it isn't always a good idea.

When adding a motor home onto an existing auto insurance policy, only basic coverage is usually provided. On the other hand, most RV insurance policies cover vehicle damage, injuries resulted from a motor home accident, as well as damage to belongings housed inside a motor home.

As a recap, RV insurance is a wise investment for motor home owners. The same can be said for RV renters as well. Whether you own or rent a motor home, there is no harm in doing a little bit of research on RV insurance first. Contact a local insurance agency to ask for professional advice.

This is one of the best ways to determine if you should investment in RV insurance, which is typically much more affordable than most first assume. Just stay prudent !

Importance of Car Insurance

Car insurance is required for almost all drivers. In certain instances where car insurance is questioned as an important purchase, usually youth or financial reasons, understanding the consequence of the lack of insurance usually cures the impulse to forgo it. Protecting a persons driving record, financial future and vehicle are the top reasons that auto insurance plays such an important part in a drivers security.

A driving record is tarnished when one is caught driving without insurance. If one is speeding or gets in an accident without insurance there is usually a court date and sever penalties and/or fines for lack of auto insurance. In the future if a driver wants to purchase insurance with a tarnished record, it will cost more.

A driver's future financial security is not only at risk when he or she drives without insurance, but also if he or she drives with too little coverage. In a major accident if the responsible party is not insured or under insured, the other party may sue for damages. This includes damages to the people in car, time missed from work, emotional and physical/medical damages. This kind of court case can demand millions from someone who is unable to pay, which will resort in a lifetime of payments to the other driver. In addition to payments garnishments can be made, and assets taken away. A driver risks loosing everything if they are driving without car insurance.

The vehicle a driver owns or is purchasing can be covered by auto insurance, so if there is an accident or mishap, the current value of the car is replaced. This helps the driver stay on the road and makes a past accident less life changing. When a driver purchases insurance he or she should consider limits and full-coverage car insurance, if they don't want to be stranded after an accident. In addition, adding some tow and rental car benefits tend to give the driver peace of mind.

The importance of car insurance is usually understated, while the truth is that it is a life changing purchase. Without car insurance many people can find themselves in community service, with fines and probably going to court. A driving license is affected and it is always harder to get back to life, once one is caught without the proper auto insurance. Car insurance is a responsibility that a driver not only has to his or herself, but also to society.

Cheap Car Insurance for Young Drivers

Here is an informative video on how young drivers can find cheaper car insurance by comparing quotes from multiple companies.

The younger driver must take a different approach to finding the cheapest auto insurance rates possible.

Watch it now and gather some knowledge ! If nothing, it is just for ur viewing pleasure.

Cheap Car Insurance

It doesn't really matter as to how long you've been searching for a cheap auto insurance, as in fact it is a lot easier to obtain then most people think. All you need is to go by a set of guidelines and adhere to them in order to get the best policy at the price you are comfortable with.

You should also understand that there will be requirements you have to stick to when you gain a car insurance policy. Unless of course you live in New Hampshire where there are no state insurance requirements. Same goes for the state of Wisconsin, but that will change in June of 2010. So if you don't plan on moving there, we suggest learning everything there is to know about your policy.

Now, you can drive around your local area and go from one insurance company to another to find Low Cost Car Insurance. Unfortunately, you have to gather all the information from each one, bring it home, and try to compare everyone so you can get the best deal.

If you don't want to deal with all these problems then you should look online for your cheap car insurance. You will see that many of the sites today will give you a way to compare all the companies in one place. So once you input all your coverage information, many companies will show up with quotes.

However, before you jump in it's important to gather all the best information that offers you a better chance to get discounts.

One of the ways to do this is by raising the deductibles. If you are currently using a $250 deductible, raise it to $500. This alone will be able to reduce your premiums or monthly costs if you make payments. However, in the meantime we recommend setting aside some money just in case an unfortunate situation occurs.

There are many other ways to finding discounts, but you just have to read over everything. If you're in the military, you don't want to miss out on that cheap auto insurance discount. What about the fact that you will have multiple policies? Are you married or still single ?

In the end you just have to stay one step ahead of your auto insurance companies as all you want is really cheap car insurance. In the meantime, you should also take the easiest path to finding the best deal. I am pretty sure that if you utilize a comparable quotes website, you won't have any problem finding a good one within a short time frame.

The truth is everything is really in front of you. Getting cheap auto Insurance isn't about just having the lowest rates. Instead you have to find the best coverage and price at the same time. If you can do this then you will be well on your way to getting the best auto insurance policy.

See this rather recent video for more inputs regarding good but cheap car insurance.

My Car Got Scratched and I Cannot Claim for the Touch Up

Totally unforgiveable.

I was so prepared to give my car a good clean up before the festive season.

When at the carpark, I had to do a double take on the bonnet. There was a 4cm scratch !

Driving me nuts 'cos I can't go to my car insurance company to make this claim of a new paint job on the bonnet.

What a day this has turned out to be.

Still feeling sour over it as well as some other private matters that seem to crop up at the same time.

Interesting Clip on an Actual Auto Insurance Quote by Luke

This is a very interesting and very informative clip on a real life auto insurance quote. Pissed off at the rate offered, the video owner, Luke made this video about it.

I think I would like to share it with all of you. The punts were really funny and enlightening. Enjoy and gimme feedback.

Why Should You Have Car Insurance ?

If you are a first time car owner, buying auto insurance must seem like an unnecessary headache in the midst of all the paper work you are already besieged with.

It is certainly not unusual to be anxious about getting yourself car insurance. Buying insurance is like buying any other product. You expect to know what returns you get on your investment. The first time insurance purchaser is uncertain as the investment does not seem to give any tangible returns.

However, this apprehension of making a worthless investment is, in reality, fictitious considering the benefits one stands to gain. The policies that require a vehicle owner to have insurance before bringing out the vehicle in the open is actually in the owner’s best interests. These policies protect your assets and save you the trouble of having lawyers knocking at your door if you have an accident.

Generally, insurance covers the car, the owner and the damages incurred in case of an accident, theft, fire or any kind of mishap. There are various available auto insurance plans that can cover your liabilities and the choice that you make can go a long way in deciding the amount you are annually saving. The minimum requirement varies from state to state and you can always start with this required amount. Yet, having an insurance that covers every possible event shall provide you with a road security.

The question remains, how does one decide on the essential insurance schemes and disregard those which will not prove worthy? The answer to this lies with you. A practical assessment of your driving skills, your residential area and even your age, marital status and gender can make a difference in the expenses. Some basic tips mentioned below might serve as a guide to buying car insurance.

Rate yourself as a driver. If you are inclined to getting parking tickets and violating traffic rules you have to shell out more than a cautious driver. If you live in an area where incidences of car theft are common, it is wise to have a plan that covers such an event. Medical insurance associated with accidents is a good idea too. If you own a beautiful Bentley, it would cost you more in insurance money in contrast to an old and faithful ford model.

In some locations the distance covered plays a major role in deciding the auto insurance policy. So, if you can estimate the number of miles you shall be travelling, you can estimate on the insurance amount. In fact, a prepaid system based on the miles travelled is also obtainable.

Single owners are charged additional amount in premium than married owners. Statistics indicate more accidents occur when men are involved as the distance covered by men is more than women on an average. Keeping this in mind, insurance charges for women is less in comparison to men till a certain age limit. Now, these are some quirky factors that a smart car insurance investor can take advantage of.

That apart, with competitive pricing being the need of the hour, auto insurance companies offer plans that suit almost every kind of financial situation.

Auto Insurance Claim: Everything You Need for Proper Execution

Auto insurance in simple terms refers to the claim an individual seeks for in case of an accident occurred to his vehicle. This claim is done in order to replace damage and loss.

Following are a few steps to be followed when filing a car insurance claim :

1) Do you have an idea that by just calling your insurance company and asking them about how you can file a claim is also recorded in their insurance record? That’s the reason you should always keep your record clean, as far as auto insurance is concerned

2) If you have met with an accident, it does not matter who’s fault it is, as long as you can pay off the damages, then you should go ahead and do without filing for the claim

3) Make a worksheet on what you should do after an accident; this will help you in keeping track of the accident. Find a witness who will be able to give a take on the accident to the car insurance company. If both the parties involved in the accident have a dispute be prepared to get a call from the other party’s insurance company to know your part of the story.

4) If the body of your car is damaged due to the accident. Once the claim is approved, the auto insurance company will then send an adjuster who will come and assess the damage caused.

5) Based on this your claim will be sorted and filed

Claim procedure to be followed :

You must inform your car insurance company as fast as possible after an accident has taken place. When you feel a little alright, it is always good to write how the accident took place in detail for further references. Most of the insurance companies have help lines that operate 24 hours and help you through your procedure. These helplines answer the auto insurance claim FAQ at all times. So before filing for such claims it is always good to make use of these help lines. When you claim for the loss occurred you are supposed to get a form of the accident report.

Car accident claim: Accident claims branches out into the following two :

Simple Claims: For instance you banged your car against a tree in that case no one’s got injured so you do not need to answer any questions. In this case, you just need to get some paper work done and they will estimate the damage and pay off the auto insurance claim.

Difficult Claims: In this case, the fault is at issue, where several vehicles involve themselves or during unusual circumstances surrounding the accident. In such a case, the adjuster just conducts interviews with the people involved in person or phone. They also review photos of the damages or hospital records to collect the information required. Once the adjuster has all the information that he requires then the car insurance claim is further sent for processing and hence the payment.

The Auto Insurance Business

When buying a car, the very first question that arises in most people’s mind is how many people opt for auto insurance. Many people believe that this is an extremely difficult question, and car insurance depends on where one resides and the kind of vehicle one owns.

One could be paying lower car insurance premiums if residing in a rural locality rather than living in a city. People living in cities suffer more accidents as there is more traffic on the roads. Insurers evaluate the cost of insurance and the premiums by keeping in mind a variety of meaningful and influential factors.

Factors include : the drivers’ age, though the finest and vital concern is to make the relevant assessment of the risk which one has to pay a claim.

The insurance commissioners stated a report that the average auto insurance cost was dropped by 1 overall and 7percent in the year 2006. The commissions made a list of ten least expensive states reside in while considering the car insurance rate and premium. There is a prominent and noteworthy difference between the highest and the lowest value.

In some of the states, the typical auto insurance rate is extremely high and in some of the other states like Kansa, North Carolina, Wisconsin, Nebraska comparatively lower insurance rates are located. One could hold a comprehensive and full auto insurance policy at an average yearly rate of less than $600 per year in all the mentioned states.

There are many factors which are kept, in mind while setting up a standard for the insurance premiums, each year the overhead rates and expenditures affect the premiums. It could increase or lower the average rate depending on the economy. People living in different cities and states have to pay different rates. The average insurance rate is being driven by the cities with higher rates.

People living in a particular state could pay around five thousand dollars per year to get their cars insured. Cities which are big in size pay more as the average car insurance premium.

One could find out how much it would cost a person to get the auto insurance coverage for a particular model one possesses. One could consider and factor the number into the total ownership cost. Keep in mind that insurance cost would work out to be approximately 5percent of the total cost of ownership. One could choose high-end vehicles that would be costing a lot to replace the price when one is looking for higher premiums and also for the privileges.

Internet is a magnificent source of information. One could explore and make a proper investigation about the related issues one might be facing. One could do all the survey by searching over the Internet, and get an opinion about the happenings. get info about the businesses which are selling a majority of auto insurance. One could compare and match the businesses that sell most of the car insurances and could easily use the Internet to compare rates and quotes by browsing the web.

Be viligilant and ensure you get the best quotes as per your pocket strings.

Hilarious Nationwide Auto Insurance Commercial

As I was going through Youtube, I came across a funny auto insurance commercial video ad by Nationwide Auto Insurance.

It is hilarious, but it brings across the message in a light hearted manner that you have to remember to insure your car against all types of unforeseen circumstances. You never know what will happen at any one time.

Thought I would share it with all of you for a laugh.