Tuesday, 12. January 2010
Author: Jeff D
Source: articlesbase.com
>>>I Went from Paying $600 a month for Car Insurance to only $111 a month! <<< To do the same Visit Save489.com and Enter your Zip code and within a few minutes you’ll have quotes which will help you save hundreds per month! When it comes to auto insurance, most Canadians can not differentiate between facts and figures. To help you better understand auto insurance better, the top five auto insurance myths are exposed: 1. Color of my car affects my insurance premium. Many factors determine premiums including your vehicle’s year, make, model, body type and engine size, however, the color of your vehicle is not so likely to increase the insurance premium as are some of the other factors listed above. 2. If I use my car for work and meet with an accident, my employer’s insurance will cover for it. Your employer’s protection may compensate you for mileage, but your own insurance policy covers any kind of accidents your car experiences. Therefore, it will be your personal auto-insurance that will be covering you and not your employer’s, in case you have an accident. 3. Parking tickets increase protection premiums. Insurance premiums are not affected by parking tickets. On the other hand, a license suspension which is due to unpaid fines can affect your driving record, resulting in higher insurance premiums. 4. If my friend borrows my car and has an accident, their insurance will cover damages. If you lend your car to anybody, you are lending your protection too. Even if your car is damaged without your involvement, all claims will be made under your insurance policy. 5. Auto insurance companies can charge what they want. Auto insurance is subjected to significant regulatory requirements which they have to fulfill each year. Insurance companies have to submit their automobile protection rates to government agencies for approval. For this reason, insurance companies do not charge according to their own will. Rather, they have to go by the regulatory requirements.
>>>I Went from Paying $600 a month for Car Insurance to only $111 a month! <<<
To do the same Visit Save489.com and Enter your Zip code and within a few minutes you’ll have quotes which will help you save hundreds per month!
Tuesday, 12. January 2010
Author: Iyke Phelim
Source: ezinearticles.com
Have it in mind that no matter the car that you drive, getting a cheap auto insurance deal for your car is a must. This comes into effective play when there’s an accident or if the car got stolen. No matter the age and model of the car, having the right protection for it will be worth the investment.
For you to enjoy cheap rates on your auto coverage, follow the steps given below:
Compare rates from as many automobile insurance providers as possible. Study their price quotes. This is important since you need to get top quality service at a cheap price.
You are advised to buy a multi-policy. If you are a home owner, then you should consider buying both your homeowners insurance and car insurance from the same insurance provider. This is known to give up to 10% discount savings.
Use high Deductibles. You need to know your financial power when setting a deductible point. Fix a high point that is most comfortable on your financial ability. The deductible point is the amount you are willing to pay before your insurance service starts to provide.
Don’t stay quiet on your needs! If you need discounts, then ask for it! Make sure you are getting quality service and not a compromised insurance package. There are practices that will give you discounts; an example is having a great driving record. Also, belonging to associations that are known to encourage good driving will earn you discounts.
Make sure your credit scores are high. It is very true that credit score affect your qualification for cheap car insurance so you are advised to regularly check and see how well you are doing.
Start Now! Get Free Professional Help and Enjoy Cheap Auto Insurance.
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FREE QUOTES FROM LEADING AUTO INSURANCE COMPANIES. SERVICE AVAILABLE IN ALL STATES IN THE UNITED STATES! by IYKE PHELIM. QUALITY SERVICE PROVIDERS. INSURANCE. FREE QUOTES. FINANCE.
Sunday, 15. November 2009
Author: Jamy
Source: articlesbase.com
Click Here to Save over $489 on your Car Insurance in 2 minutes It is a known fact that Auto Insurance companies automatically view teenagers as a higher risk. This is due to their young age and lack of adequate driving experience with little or no driving history at all. Most parents generally do not realize the importance of these facts and wonder why their teen’s insurance policy is always costing more than theirs. Despite these facts, there is still such a thing as cheap car insurance for teenagers. If you are a teenager or the parent of one; you will probably feel how this could be true especially after what you have read and hear about the exorbitant high charges of teenager’s car insurance. The important fact is that you must understand, if you shop around, you will come across a multitude of ways to lower your insurance premiums and ultimately find a cheap car insurance policy for your teenager that is not too expensive. What teenagers can do to lower the premium on their insurance? As teenagers there are several things you can do to lower the premium on your car insurance. First on the list would be to maintain a clean driving record. Remember when you first drive a car; you are starting on a clean slate and you should make it a point to maintain it that way for as long as possible. Do not do anything to jeopardize the clean record, like receiving traffic tickets or being involved in accidents. Such actions will have negative impact on your car insurance, as over time you will not only find it difficult to get discounts on your insurance policy but also in buying one. Insurance companies view such occurrences as negative points to your driving record and would penalize you accordingly. However if you are able to maintain a clean record, they would reward you with lower rates and discounts. The next thing you can probably do is to maintain a healthy credit history. Do not spend more than you can afford and make sure all your debts are paid on time. Your credit ratings/history do have a significant role in determining the premium you pay for your car insurance policy. Achieving and maintaining good grades in school/college is something that is available to teenagers that others do not have, to lower their cost of insurance. As a matter of fact, most insurance companies do reward good students with discounts on their premiums. Just be aware that they may require documentary proof to qualify you for such discounts. According to researches done, insurance companies have good reasons to believe that good students are more responsible drivers and are of less risk to them. So always study hard to perform well academically and you will be rewarded in more ways than one. If you are already doing well in school/college, perhaps you could seriously think of taking up a recognized course on defensive driving. This would definitely help in reducing your insurance premium farther. What parents of teenagers can do to lower the cost of car insurance? Parents are the main financier to teenagers in respect of most, if not all their purchases and expenses. The fund for major purchase like buying a car definitely comes from the parents. Therefore it is advisable not to buy them a flashy sport car. It is not only dangerous for them as it would encourage them to drive at high speed; but such model would attract theft and a higher insurance premium. As a beginner to the world of driving, an old family car would be sufficient. Your teenager may not be happy with it but as parent, you need to explain to him/her that it is for their own safety and is the better option. The next smart thing that parents could do is to include their teenager into their own policy. Many insurance companies offer discounts when multiple people/automobiles are placed under the same policy. However the disadvantage is that any negative points accumulated by either the persons/vehicles included in the policy would affect the insurance premium adversely; thus increasing the overall insurance cost. Before deciding to include your teenager into your own insurance policy, it makes sense to do some shopping around. Obtain a minimum of at least three quotes from different insurance companies and check with your current insurance provider on parent-teenage policy. You can even obtain more quotes online and never assume that your current insurance provider always gives you the best deal. After receiving the quotes, make a like for like comparison to determine which of the insurance companies could give you the best service at the best price. Another thing you could do to lower the cost of the car insurance for your teenager is to increase the deductibles. Remember the higher the deductibles, the lower will be the premium you need to pay. If you decide to pay some money up front for the policy instead of over a period of time; the insurance company would work with you and perhaps give you some additional discounts. Lastly, as parents you could make your teenager pay a portion of the premium charged for the policy. This will make them more responsible drivers and in the long term, they will learn to be more careful on the road which could then ensure their safety and that of other road users. In conclusion, whether you are a teenager or the parent of one, it does not mean you have to pay exorbitant amount for your car insurance. As long as you are armed with knowledge and know the proper steps to take in lowering your insurance costs; you should have no problem getting cheapest car insurance rates for your teenager.
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