Cheap Car Insurance Online

With oil prices on the increase predominantly in the Middle East, it is having a serious knock on effect to the price of petrol.

In the UK petrol is currently almost GBP 1.00 per litre, and in some rural towns it exceeds this price. The burden on the average motorist is having an effect with an average family car costing around GBP 55.00 to fill up.

With the increase in fuel prices any relief on the poor motorist is more than welcome. You will be pleased to know the increase in recent car insurance competition, particuarly online, has resulted in cheaper car insurance for all.

This does mean that shopping around for car insurance can lead to lower premiums. The large car insurance companies have recently carried out major advertising campaigns highlighting the 'lower premiums and saving money online benefits'. At present just by buying your car insurance online rather than over the phone can save you an instant 10% with some car insurance companies.

One other aspect to consider are companies that search out the cheapest car insurance for you with top car insurance firms. You simply make one phone call, or one web enquiry and they will search on your behalf with top firms. You pay no money for this service as the commission they take comes straight from the car insurance firm. It's an ideal solution for those with little time to shop around.

One point to remember is make sure you have the right policy for you. You may find a replacement car an advantage for times when your car may be being repaired. Not all insurance companies offer this and it often comes as a premium. Cost is a major factor but ensure the cover is right for you, your car and circumstances. 

About The Author Doug Taylor is promoter and editor of http://www.carinsuranceonlineuk.co.uk

Agents Recommend Using Local Car Insurance Agents

Are you looking for a good insurance for your vehicle to buy right now? If you are, then you might be included in the thousands of vehicle shoppers in the market who try their luck at finding the best car insurance coverage for them to buy through the Internet. However, car insurance agents do believe that this might not be the best thing. In fact, these agents highly recommend that vehicle shoppers better ask for assistance from local car insurance agents instead of the Internet.

Phillip Sanouvong is an owner of a website which offers vehicle information. Sanouvong explains, “Many people think it’s great to quickly click around and buy their policy on the Internet. But when they have a car accident, they are annoyed by all the 1-800 numbers, poor customer service, and the absence of a personal advocate on their side.” This may be exactly true. In fact, you may still continue buying your replacement Mercury car parts through the internet but you better leave purchasing a car insurance policy to the good hands of local car insurance agents.

According to these insurance agents, you do get lots of advantages if you deal directly with a local car insurance agent if you are going to buy car insurance for your trusty vehicle. You see, because you deal with the agent face to face, you are able to ask and point out gray areas so you can understand the whole deal better. Plus, with an insurance agent, you do not have to go through everything before you can explain your current situation. Since the insurance agent does already know about your history when it comes to your car and your car insurance policy, they can easily and quickly explain to you whatever may be bothering your mind.

Aside from these, you can also ask the assistance of these local car insurance agents come the time when there are changes to your vehicle or to who now holds the position as the primary driver of the vehicle. These local car insurance agents also offer, most of the time, discounts and other offers that would let you save much.

About The Author Terry Brown is a 32 year old from Houston Texas, and an enthusiast for anything auto-related. He currently writes auto-related articles for several publications.http://www.innerauto.com/Mercury_Parts/

On Vacation - Do You Need Rental Car Insurance?

If you’re in the planning stages of your next vacation and they include a rental car, you may want to talk with your insurance agent about the rental car insurance options that you may have.

When it comes to traveling and more specifically rental car insurance, the market is extremely competitive for your dollar. This is because not only do the insurance companies compete for your dollar, but so too do the rental car agencies, and your credit card companies as well. And while all this competition may sound as though it works to your advantage as a consumer, all the marketing hype may change if you have an accident.

Start by contacting your insurance agent and see if your policy includes rental car insurance. Most auto insurance policies do including covering you in a rental car as well. Of course, verify this with your agent. Make sure it includes collision and liability insurance (damage to your car and to the other vehicle). Make sure your current coverage doesn’t fall short of the type of car you may be planning on renting. For instance, if you drive an older car with minimal coverage, you may be putting yourself at risk if you’re going to rent a top level newer car. So, check on any limitations that your policy may have. Find out what the conditionals are ahead of time so you don’t get caught short.

If you are considering getting your rental car insurance through one of your credits cards, then you should shop carefully. Call your credit car company and ask them to fax or mail the details to you. Either way get their coverage in writing. Again, ask specifically about collision and liability coverage and if there are any limitations or stipulations or complete exclusions. Don’t assume that just because they offer you ‘insurance’ that you will have the coverage completely protects you.

Thinking about getting your coverage directly from the rental car company? You’ve got some more investigating to do. Insurance coverages from rental car companies are all over the place and generally can be fraught with all kinds of stipulations and exclusions and certainly not all rental car companies are not on equal ground.

Don’t base parts of your decision to go with insurance from the rental car company thinking that if you are at fault in an accident that you can avoid a potential rate hike from your home insurance company. Your regular insurance company can raise your rates no matter who cuts the check. If you are involved in an accident make sure that you report this to your insurance company back home because if the credit card insurance or the rental car company insurance doesn’t pay… and you haven’t reported it to your insurance company, you could paying out of your own pocket.

Make sure you ask a lot of questions and get them answered well before you go on vacation. And as a side note, you may want ask your agent with whom you have your homeowner’s policy about what is the coverage in the event you have personal belongings stolen from a rental car. It may sound like a bunch to get done before you go on vacation, but getting yourself the proper insurance can literally save you financially.

About The Author Jeff Neilan worked for many years in the automotive industry as a salesman, finance manager, new & used car manager. With Jeff's working knowledge of car dealerships you'll find his articles on car buying insightful and rewarding. Visithttp://www.acarbuyersguide.com for more of Jeff's articles.

Car Insurance - Inflated Quotes Costs Consumers Millions Yearly

Even though lower car insurance quotes are occurring through competition from warring insurance companies vying for new business, as well as increasing online quote houses, millions of consumers are still paying dramatically more for their car insurance than they have to, to the tune of millions every year, and hundreds of dollars per household.

Online quote houses, such as Insurance-Info-Center.com, states on its site that on average, customers can save $451 on their car insurance by comparing car insurance quotes with them.

But these typical savings won’t affect the average consumer unless they take action and compare their rates, both online, and with national and local agents in their area.

All auto insurance is not the same. In one study by a major insurance company conducted between 1999 and 2004, a six-month auto insurance policy fluctuated between a low of $481 to a high of $586. This translates to a year policy costing as low as $775, to as high as $1256 for the exact same coverage.

This means one thing: for consumer to save, find good service, and get a good rate on their auto insurance, they need to shop, shop, shop.

It may seem simple, but according to studies by a major online carrier, only 20% of the people surveyed actually get more than one quote before buying their insurance.

Experts agree that getting a mix of quotes from large as well as small insurers will give you a good mix. Insurance-Info-Center.com lets you pick from a wide variety of national insurers through their automated providers.

Experts also suggest that, even with the convenience and speed of online quotes, you should consult local providers as well.

In the long run you should shop around, and get quotes from as many places as you can before making a final decision. In the end, it will save you big money.

About The Author Gary Hollins writes for http://Insurance-Info-Center.com, where you can read insurance news affecting you and get a free 15-minute comparison car insurance quote.

Long Term Care Insurance Policy

Most young people ignore the fact that they will grow old one day. It is the wise ones who not only think about it but also provide for their future. Statistics show us that almost one out of two Americans require long term care when they grow old. Due to immobility and illness people become dependant on families and institutions to carry out normal daily activities such as dressing and bathing.

Long-term care refers to a system where this can be taken care of in your own home, a hospital, a home center or an assisted living facility. It could be a reality to many who have led a strong and active life earlier. This is why its importance is growing each day. Most Medicare programs and State Medicaid programs do not provide the necessary facilities for payment. Some only cater to those who fall below the poverty line. Therefore, it is prudent to consider applying for a Long Term Care Insurance policy early in life.

If you have worked all your life and have made a substantial saving, then perhaps you can fund your own long-term care. Unfortunately, not everyone is so lucky and therefore long-term care insurance is very vital to secure a safe future especially for those who have a history of health problem in the family.

Like for any other policy, it is best that you know all the details prior to buying one. Often times, people forget that premiums for life insurance policies increase over time. This makes it difficult to pay especially when there is no enhancement of the financial situation. Thus, policies are cancelled when they are needed most because policyholders cannot continue to pay high premiums. It is easy to get drawn into buying a policy because market savvy sales executives make it sound so easy. But, it is up to the individual and insurance advisors to properly instruct prospective customers.

One sure way of protecting yourself is to be sure of all the terms and conditions given in the long term care insurance policy document. If the insurance sector is not your cup of tea; you could hire an agent or a broker who will act on your behalf. They will be experts on quotes, claims, processes and other issues. You need to also be careful on selecting the right broker at the right cost. Long-term care insurance not only provides security for you, but for the entire family. So you can take their advice before buying a policy. Remember, to choose an insurance company that is reputable and trustworthy. You can take it for granted that sales people will only state the benefits of a policy. They will not tell you the flip side of the story. Do not rely on brochures and other sales oriented literature to make your decision.

To summarize, a long-term care insurance policy can be used for different types of long term care such as skilled nursing, intermediate nursing and custodial care. The kind of care you choose largely depends on your physical health and situation. This kind of insurance is definitely worthwhile and affordable when you think of life beyond 65 years of age.

About The Author Robert Lawrence co-founded Insurance4USA.com, an insurance quote shopping service - http://www.insurance4usa.com, in 1999. He has been a licensed insurance agent in New York State since 1990.

Inexpensive Car Insurance - Six Secrets

I learned a lesson about inexpensive car insurance when I was younger: Insurance agents lie. I would love to be able to say this is rare, but my experience tells me it is depressingly common. Apart from lying, they just won't tell you some things you need to know to save money.

Car insurance was just a legal requirement as far as I was concerned. I didn't have valuable cars when I was young, and I had no assets to protect from lawsuits. All I wanted was the minimum legal coverage needed to be on the road. I always made this very clear to my insurance agents, using many rephrasings, like "Just what the law requires, and nothing more," just to be sure they understood.

I assumed that this minimum was what my insurance company was giving me. Only after paying the premiums for many years did I learn that they had lied. I didn't have the most inexpensive car insurance policy, as they claimed. They gave me not the minimum coverage required by law, but their own "company minimum." I was pissed off.

I went to other insurance companies and they tried to do the same thing, passing off their own normal liability policies as the state-mandated minimum requirements. Only when I pushed would they provide the policy that I wanted - as long as I signed more paperwork, acknowledging that I was "under-insured." That was fine. I had no assets to protect at the time (Having few assets means you're less of a target for a lawsuit).

The bottom line is that by commission and omission, you will likely be lied to by insurance agents. I overpaid by hundreds of dollars over those years, because of one such lie. Now you know what to watch for if you just want a basic liability policy. Here are some other things you should know about getting inexpensive car insurance.

Secrets Of Inexpensive Car Insurance

- Get several quotes, of course. The important part here, though, is to be sure that each quote is for the same thing. Write down and compare the specific policy limits, deductible and a other parts of the policy.

- Review your policies annually. Ask for a policy review and get new quotes every year or so. Suppose that speeding ticket you had is past the three year mark (or whatever the company guideline is). They will often "forget" to drop the rate, so you may need to remind them.

- Take the kids off your policy. If your kids are at a college that's more than 100 miles away, you can have them taken off the insurance policy and save a lot of money. You can't let them drive the car when they come home to visit though.

- Raise your deductible. You will always get more inexpensive car insurance with higher deductibles. Plan to pay the first $1,000 of that accident if it happens someday. In the meantime, you may save far more in premiums over those years.

- Drop collision coverage. Once the value of your car is below a certain amount (an amount you can afford to lose), drop the collision coverage. It doesn't make sense to pay out thousands over a few years to insure a car that is worth just a few thousand.

- Ask about special discounts you might be eligible for. Non-smoker discounts, car/home policy discounts, and others are a possibility. Ask what discounts you may be eligible for in the future, too, and remind your agent when the time comes.

-Look at every part of the policy, and don't pay for things you don't need. Ask about anything you don't fully understand. Asking a lot of questions and really understanding the policy is one of the surest ways to get inexpensive car insurance.

About The Author Steve Gillman has been hunting down obscure knowledge and useful secrets for years. Learn more, and get a free gift at: http://www.TheSecretInformationSite.com

Usage Based Car Insurance From Norwich Union

Norwich Union Direct the UK's largest motor insurance provider as announced it's new innovative "Pay As You Drive" cover, offering motorists the ability to reduce their insurance premiums.

Offering two new policies , the basis of which are usage-based insurance premiums, Norwich Union is finally offering cover after its initial pilot scheme, involving 5,000 motorists, was launched in 2004.

Norwich Union's researched showed that over two thirds of the UK motorists are likely to welcome the initiative by which average savings are expected to be around 33%.

With the use of in-car GPS monitoring devices the UK's largest car insurance provider is able to tailor make unique car insurance policies specific to the policy holder - premiums being based on usage.A completely transparent itemised billing system should allow drivers to finely tune there policies, yet remaining flexible.

Premiums will be based not merely on mileage but also on other factors such as when,where and how often the policy holder drives. Premiums can even be identified to each journey.

Offering two distinct policies: 18-23 and 24-65 year old drivers Norwich Union is efficiently using its huge databank of claims histories to pass on potential savings to the more discerned driver.

Using a combination of Norwich Unions own data together with statistics supplied by ABI and the department of Transport the pilot scheme revealed :-

18-24 year old drivers are at great risk during the early hours with this group accounting for 46% of fatalities on the road between 11pm and 6am, and are 56% more likely to suffer injury between 1am and 5am.

This group is 10 times more likely to have an accident at night and this rises to 14 times more likely on weekend nights. Premiums will reflect these high risk periods and it is hoped will encourage young drivers to refrain from driving during these periods.The pilot scheme revealed a 20% drop in accidents involving young drivers and strenghtens the belief this type of policy will save lives. Norwich Union is hoping the introduction of this scheme will dramatically reduce the number of accidents involving young drivers.

In the other group - the 24-65 year old drivers, the pilot revealed that this group was 50% more likely to suffer an accident during the morning weekday rush hour than driving at weekends or in the evenings. Serious accidents are most likely to happen at night and that motorway driving was up to 10 times safer than low speed urban roads.

These statistics are encouraging to the 48% of Norwich Union customers who dont use their vehicle to drive to work during the weekeday peak periods.

Iain Napier, director of “Pay As You Drive”™ insurance, said: “The launch of “Pay As You Drive”™ insurance will give motorists access to insurance that’s specifically tailored to them and their driving habits, potentially rewarding them with cheaper premiums.

“We’re confident that “Pay As You Drive”™ insurance is simply a fairer way of calculating premiums and gives customers greater control, flexibility and choice. That’s why we expect the first ever “Pay As You Drive”™ insurance proposition in the UK to be a huge success with motorists.”

Kay Martin, head of “Pay As You Drive”™ insurance, added: ““Pay As You Drive”™ insurance provides an innovative solution for young drivers while also appealing to a broad range of motorists who see the benefits of paying for insurance based on actual vehicle usage. The future of insurance is tailored products to suit people’s lifestyle and the launch of “Pay As You Drive”™ insurance is the first step in this direction.”

Overall it is likely this type of policy will be well received by UK motorists, especially in view of the transparent billing system, enabling policy holders to make informed decisions as to how and when to use their vehicles.

About The Author Dave Kearsley often writes on insurance issues and breaking news. Living in the UK and is a full time webmaster concentrating in the insurance and finance areas. http://www.catchthatinsurance.co.uk/norwich-union.htm

Car Insurance - Cheap Auto Insurance Quotes

Cheap Auto Insurance quotes are designed in many different ways to cover your specific insurance needs. One needs to analyze these quotes in detail before making a decision. It also helps if you have basic knowledge on all or at least some aspects of cheap Auto Insurance. You can find literally hundreds of online resources offering you thousands of attractive cheap Auto Insurance quotes. But should you opt for them, just because they are cheap? It depends. When it comes to insurance, sometimes the cheapest policy is not the best way to go.

Attention! Have a look at the type of car you drive. Certain types of cars attract higher Car Insurance rates.

You need to know the rules, which govern your state, with regard to Auto Insurance. Certain states, for example, may require you to have comprehensive liability coverage, which is also known as third party liability in some countries. This covers you in case you are at a fault during an accident, whereas in other states, you are simply required to carry a ‘no-fault' policy.

Attention! Policy Period – This is the specific time period that the policy is effective. Some Car Insurance policies have an annual renewal and others have a six-month renewal.

Once you have chosen the cheap insurance quote that works for you, go through the entire policy in detail. Find out more about the coverage levels. You have to carefully study the general policy options. Next comes choosing your policy period. This is an important criterion, because your insurance coverage is only in effect during the period specified by the insurer in your policy. Most Auto Insurance policies cover a span from six months to one year. It is, however, possible to get Auto Insurance for a longer or shorter span of time. Generally speaking, the longer the time specified, the lower the premium you need to pay and vice-versa. Ultimately, the choice is left to you.

Attention! Find a good online discount Car Insurance broker before renewing. The Internet is a fabulous resource.

Always try to find out whether you can cancel your policy before the expiry date, and if so, what are the procedures that one must follow. You can get this information directly from your insurer. Based on the cheap Auto Insurance quote, you can decide whether you want to pay an annual or semi-annual premium upfront, a down payment on the premium and the reminder in several equal monthly installments, or you want to pay an equal monthly amount spread out over a period of 10 to 12 months. Also ask whether or not you insurer charges any interest on the premium. Once you have this basic information, it is easy to see what the best Auto Insurance for you will be - and you should go ahead and take that policy.

Attention! Drive carefully. Although it sounds a little trite to say it, your Car Insurance cost is a factor of your risk profile.

By Tywford Lamai
http://cri8tivcarinsurance.blogspot.com

About The Author Tywford Lamai is the owner of a rich-content Auto Insurance related weblog. Cheap Auto Insurance provides detailed information on Classic Car Insurance, Cheap Auto Insurance For New Drivers, Cheap Auto Insurance Online, Cheap Auto Insurance Quotes and more. Cheap Auto Insurance is affiliated with http://ForFreeCars.com.

Cheap No Fault Car Insurance

Is this a pipe dream? Getting cheap no-fault auto insurance is like finding the proverbial needle in a haystack. You know it’s there somewhere, but how in the world are you going to find it?

Well, thank goodness for the Internet. Because on the web you can find anything you want (and a lot of things you don’t want). You just need to know how to look.

To find anything, you have to first really know what you’re looking for. And if you’re clear about no-fault auto insurance (NFAI), you’re one in a million. But, if you’re not, you’ll want to do some homework, because it’s incredibly confusing.

Some states don’t offer NFAI. Each individual state has their own regulations for auto insurance companies and policies. Some require NFAI, while others don’t. And some offer something similar instead called “tort” coverage. So, the first step is to get clear how it works in your state.

You can google “your state’s auto insurance regulations” on the Internet and look for the types and amounts of coverage minimally required. But be prepared that some state requirements are very low and others don’t even require basic liability and/or bodily injury protection.

Once you know the minimum coverage required, you then have to decide how much coverage you want and need for your particular circumstances. The insurance salesman’s usual advice is to buy high – as much as you can afford. But, since he’s earning a commission on the sale, that’s what you should expect him to say.

Of course erring on the side of caution is still your best bet, especially if you own your own home or other valuable assets. In case of an accident, you don’t want your personal finances on the hook.

When you know how much car insurance you need and want, then it’s time to shop around. And that’s pretty easy to do on the net. If you’ve never compared rates before, you’re going to be shocked at how much difference there is between different companies - hundreds of dollars in some cases.

There are also a lot of ways to save money on no-fault auto insurance. Check into possible discounts for a good credit report, multifamily and multipolicy discounts, driver safety classes, installation of safety/anti-theft devices, etc.

One of the easiest ways to cut car insurance costs is to increase your deductible. For example, raising your deductible from $250 to $500 can lower your annual premium by as much as 10%. Just be sure you always have enough cash available to cover the higher deductible if you should ever need to.

One last point to consider. Cheap isn’t necessarily what’s best for you. You can get cheaper rates by skimping on your coverage or even possibly dealing with a shady, fly by night insurance company. Michigan state regulators recently caught several scam artists selling bogus no-fault auto insurance policies.

So always be certain you’re dealing with a legitimate reputable insurance company, especially if they’re promising outrageously cheap rates. You could end up getting nothing for your money and it would not be considered “no-fault” of your own.

About The Author Maria Cuttini shares tips and resources for saving money on auto insurance on her blog at http://www.AutoInsuranceUnlimited.com. Stop by and save some money!

How to Get a Cheap Car Insurance – Your 7 Steps to a Good Deal

Are you wondering how you can purchase cheap car insurance? Worry no more! Here you'll get the seven easy steps to getting the cheapest quotes and the best deals available. Use one or use all, each of them is sure to lower your rates.

The cheapest car insurance is not necessarily the best auto insurance. But, as car insurance is mandatory for registering and driving your car, it is necessary to purchase insurance for your car. The next seven tips will help you choose, if not the cheapest, then the best deal:

1) Compare auto insurance quotes online – insurance companies save money on man power with online quotes and purchase, some of that money goes back to the client and makes your insurance cheaper. There are many companies providing instant quotes. Depending on your auto (and make sure you provide honest answers) or the number of cars you want to insure, you'll get a preliminary estimation. Don't take this sum as the final quote and don't choose the cheapest quote without analyzing the coverage offered in the insurance policy.

2) A clean credit history ensures significant discounts. To put it simple: car insurance gets cheaper if the owner (that's you) is a reliable payer. However, most insurance companies will have an option of "bad credit quotes". If you have a bad credit history, don't waste your time (your time is also valuable) on the companies that don't give you this option.

3) To get an advantageous insurance it is recommendable that you put al the cars you own under a single policy. Some insurance companies offer very good discounts for multiple cars insurance policy.

4) There are many underinsured or uninsured drivers. You'll need coverage in case of an accident caused by an uninsured driver. Make sure your insurance covers such mishaps.

5) Choose the insurance that fits your financial possibilities and the condition of the car. Once your financial status improves or the vehicle deteriorates, you should update the status of your policy.

6) If you plan on moving soon, choose a short-term car insurance plan – we recommend a one year car insurance. Insurance plans vary from country to country and even from state to state.

7) Make your vehicle as safe as possible both in terms of driver and passenger safety (seat belts, air cushions etc.) and is terms of theft (a car alarm an immobilizer etc.) – this will lower the premiums, thus providing for a cheap insurance plan.

About The Author Tommy Gordon manages sites on various subjects. Find out more about car insurance at http://insurance-land.com/car-insurance.asp and get free insurance quotes athttp://insurance-land.com/free-quote.asp.

Car Insurance Shopping on the Internet Takes Patience

It can pay to do some research when you are seeking to buy car insurance, as quotes can vary considerably from company to company. This definitely applies if you are shopping on the Internet, as studies have shown that the quotes offered by various companies on the Web can differ by as much as 80%. Nobody wants to pay more money than necessary for auto coverage, so it makes sense to take some time to try to find the best insurance price for your car.

Here are some tips that may make it easier for you to shop for car insurance on the Web:

Be suspicious of price quotes that are way out of line with the others, especially if they are unusually low. The majority of estimates should fall within a reasonable range; if one quote is only 33% of the others, you are almost certainly looking at a mistake. The low estimate might be due to a mistake on the part of the Website or a mistake on your part. You should respond to any Internet quote that suits you with a phone call.

Don't assume that the quotes are always accurate. You should confirm the estimate with a telephone call. You may find that the quotes offered vary from the price you will have to pay if you contact an agent. For a variety of reasons, many online price quotes are simply not accurate.

Make certain that you are comparing identical things - Estimates could differ from site to site because the parameters of your search could be different. If one company provides a price quote for comprehensive insurance while another is returning a price quote for liability only, the results will fluctuate a lot. Be sure when you complete the online forms that you are seeking estimates for the same coverage. Quotes that vary substantially do not necessarily mean that one company is cheaper; it could mean that you were not careful to compare the same two things.

Spend time at at least ten different sites. You can look at the two or three companies that quoted the most affordable prices for further comparisons. Price quotes can vary so significantly from company to company that it does pay to investigate many different companies. The more information you have, the more educated your decision will be.

Exercise caution to do it right, as some patience when shopping for car insurance could save you quite a bit of cash. Shopping for vehicle coverage is like shopping for any other item; it takes a while to locate the best price.

About The Author ©Copyright 2007 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing. Retro Marketing, established in 1978, is a firm devoted to informational Websites, including http://www.LemonLawHelp.net, a site devoted to automobile lemon laws, and http://www.Car-Insurance-Help.net, a site devoted to automobile insurance.

Car Insurance For The Younger Driver

Young drivers are prime targets for high insurance, this is generally because they have had very little experience on the road and are deemed as a higher risk to be in an accident. Due to this, insurance for the younger driver is often very expensive. However there are ways that even young motorists can make savings on their car insurance.

The biggest mistake that the majority of younger drivers make when choosing their first car is to choose one which suits their image and not their pocket. While they visualise themselves running around in the latest model of sports car, this type of car is in the high insurance bracket. One of the factors which are taken into account when it comes to insurance is the model and engine size of the car. By choosing something less flashy a younger motorist can shave pounds off their already high insurance premiums.

Another way in which the younger driver can help themselves is by taking advanced driving lessons. There are special courses that be taken which can go a long way to prove that you are able to handle a car and that your safety record is excellent. This can make up for the fact that you have very little experience and lack of the necessary no claims bonus, which can only be gotten by time spent driving sensibly and safely.

Installing the latest security features on your car can also help you to reduce the amount you are quoted for your premium. Simply installing an immobiliser or keeping your car in a garage instead of by the side of the road can help to reduce your premium.

Finally the biggest savings can be found online as buying online can attract around 10-15% in discounts. Shopping online for your insurance gives you the ability to search through many insurers and to get instant online quotes for the exact type of insurance you are looking for. There are also many companies that will deal with the younger driver in particular and very often this is the best bet for new motorists to make great savings on their car insurance.

The savings the younger driver can make will of course depend on the type of insurance that they choose to go for. Third party, fire and theft is by far the cheapest and depending on the age of the car this could be the best choice for the younger driver when it comes to getting cheaper car insurance.

While fully comprehensive will cover you for most eventualities, it is the most expensive type of insurance, so thought should be given to the level of cover you require before conducting an online search to determine how much you could save.

About The Author Louis Rix is Director of http://Netcars.co.uk (http://www.netcars.co.uk) one of the UK's leading motoring websites. Established in 2000, its mission is to become the UK's number one site for used car searches and motoring information. Netcars also provide car finance, loans and insurance.

Saving Money On Car Insurance With A Teenage Driver

Are you paying a fortune to insure your teenage driver? You really don't have to.

Some car insurance companies will charge you for your teenage driver when they turn sixteen. Some won't. Call your carrier ahead of time to find out what their policy is.

The most costly coverage on your auto insurance policy is the collision coverage. Collision coverage covers damage to your vehicle when it is involved in an at-fault accident. I.e. you hit someone or something. New drivers, no matter what age, are rated higher and cost more due to their lack of driving experience.

To save on the cost of the collision coverage on a new driver, consider purchasing a used vehicle that cost between one thousand five hundred and three thousand five hundred dollars. Make sure that it is mechanically sound for your driving needs. If you want to cover this vehicle for theft and vandalism, you can purchase comprehensive coverage. Instead of purchasing collision coverage on this vehicle, purchase uninsured motorist property damage coverage.

Uninsured motorist property damage coverage protects your vehicle for up to a limited amount if an uninsured motorist hits it and you can identify the driver and the vehicle. That way if anyone hits you, even if they have no insurance, your vehicle will be repaired or you will receive payment from your insurance company for the fair market value of the vehicle. Some insurance companies include a deductible with this coverage. Your savings could be anywhere from five hundred to two thousand dollars per year for your first three years of driving. How much does that add up to after three years?

When my daughter turned sixteen this year, I was faced with this dilemma. I own a 2002 Honda Accord and a 2003 Mitsubishi Lancer. My auto insurance carrier wanted to increase my premium by two thousand dollars every six months to add her onto the policy.

I bought her a 1970 Plymouth, in good mechanical condition, and found a different top insurance company that charged me $642.00 every six months for the Plymouth with her on the policy. This policy came with permissive driving as a standard feature. This means that any other car she drove, including my other cars, were covered by this policy.

After I purchased the policy on the Plymouth, I was then able to add her onto my current policy for my Honda and Mitsubishi as a not rated driver without any additional cost. If she causes an accident while driving my Honda or Mitsubishi, the policy on the Plymouth would come first with its' coverage's. Then my current policy would come second, if necessary.

My current carrier wanted $1,200.00 every six months if I added the 1970 Plymouth and my daughter onto the policy. So I ended up saving over $1,100.00 a year on my car insurance.

About The Author Barry Brenner is a licensed auto insurance agent with extensive experience selling car insurance. You can visit his popular website at:http://www.cheapcarinsurancequotetips.com

The Basic Steps For Filing A Car Insurance Claim

If you have never been involved in a car accident, consider yourslef lucky. However, you still should know the timing and details on how and when to file a claim.

The very first thing that you should do when you are involved in a car accident is exchange driver information. That is assuming you are not seriously injured. If you are seriously injured, make sure that the following information is collected by someone at the scene of the accident.

Get the other driver's name, address, telephone number, driver's license number, insurance carrier, policy number, insurance carriers telephone number, and the license plate number of the vehicle or vehicles involved in the accident.

Make sure that you get the name, address, and telephone numbers of any witnesses to the accident. They may be needed to substantiate how the accident occurred.

Local law enforcement should be contacted to report the accident. If you can not reach them, you can go to your local police department, sheriff's office, or Department Of Motor Vehicles and obtain the necessary form to complete and submit it while there. Check the Department Of Motor Vehicles website to see if you can submit your report there.

In the majority of cases, you should report the accident to your insurance company. Before calling them, make sure that you understand your policy.

Sit down and carefully read your car insurance policy. If there is any part of it that you do not understand, call your insurance agent or company, have a list of questions prepared, and get the answers.

If you still are not sure as to what to ask, you may quote car insurance with another insurance company and while you are getting your quote, ask them.

When yoiu are comfortable with what your policy covers, contact your insurance company as soon as possible. An insurance adjuster may be sent to record the damages to your vehicle and take your report and determine who was at fault in the accident. Be prepared for this. If necessary have a written description of what happened including any diagrams that will explain the accident.

And, having a depostion from any of the witnesses at the scene would be helpful.

If the accident was not your fault, you can either contact the other driver's insurance company or have your insurance company contact them to handle the repairs to your vehicle, or if necessary replace your vehicle.

If you use the other driver's insurance company, you will not have to file a claim on your policy and pay any of your deductible to have your vehicle repaired.

Do not relieve the responsible insurance company of its responsibility until all of the damages are settled to your satisfaction. If necessary have your insurance company handle your claim if the other party's insurance company questions who was at fault or offers an unacceptable settlement.

Be sure to consider all of the settlement factors:

Bodily Injury – You may be entitled to financial compensation for any injuries caused by the other driver. It may take several days for your injuries to become apparent.

Property Damage – The insurance company is responsible for paying the reasonable cost to repair the other drivers vehicle or property if you are at fault. If you are not at fault, the other insurance company is responsible for the repairs to your vehicle. The damages to the vehicle will be determined by the adjuster. In most cases the insurance company and the repair shop negotiate any disagreements about what should be repaired. If you don't agree with their conclusion, you have the right to go to another repair shop.

Being involved in a auto accident is never fun, but do understand that you have certain basic rights, and if you are not satisfied with the way your claim is being handled, you can contact the state Department Of Insurance regarding your claim.

About The Author Barry Brenner is a licensed auto insurance agent with extensive experience selling car insurance. You can visit his popular website at:http://www.cheapcarinsurancequotetips.com

How To Make Great Savings On You Car Insurance

As anyone who has a motor car knows, car insurance can be expensive. However there are many ways in which you can save money when it comes purchasing for the first time or renewing your car insurance. Here are some simple ways that you can make some small and some substantial savings.

The premium you pay for your car insurance can vary a lot from company to company so it is in your best interests to shop around. You can do this yourself by trawling the internet or get a specialist broker to do it for you.

Work out what type of insurance you want, be it third party, fire and theft cover or fully comprehensive. If your car is an older model, for instance, then consider just taking third party, fire and theft car insurance.

Once you have determined the level of cover that you need, then get at least three separate quotes from different companies.

Getting a quote online will vary from company to company and you do need to compare quotes on a like-for-like basis.

One great way to lower your premiums is to offer to pay more for the voluntary excess you would pay if you were to make a claim. By doing this you can make savings.

If you choose to go with an insurance company that does home cover, sometimes if you take your household insurance cover along with your car insurance then you can make noticeable savings.

Finally, if you have taken advanced driving lessons or have no claims bonus for a number of years then it is worthwhile asking about any special considerations you might be entitled to receiving. While the majority of insurers ask about things such as this when filling in an enquiry regarding car insurance, it is also worthwhile mentioning if they don't.

About The Author David Thomson is Chief Executive of BestDealInsurance (http://www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.

Car Insurance Uncovered

There are many ways in which you can make savings on your car insurance, the best, not to mention the quickest way to make sure you get the cheapest car insurance is to shop around for your insurance.

You can do this yourself by going online or by getting a specialist insurance broker to do the legwork for you.

Things to bear in mind include combining your car and home insurance. There are companies who can offer savings by you taking both policies together. Sometimes you can make savings of around 40% on your car insurance simply by combining the two.

The safety features that are installed on your car can help bring your premium down. Simply by having top notch alarms and window etchings, you can attract huge savings.

Your postcode can make all the difference between the price you are quoted for your premium as certain areas and their postcodes are deemed as high risk crime areas and as such you pose a greater risk just by living in an area such as this.

Younger drivers will normally pay a higher price for their car insurance, due to their inexperience on their road and statistics that say they are more likely to be involved in an accident.

Women drivers - despite the man jokes about their driving - are classed as safer drivers and there are specialist sites aimed particularly with these people in mind who can offer discounted premiums.

If there is more than one driver and two or more cars in the family then you can get a great deal on your insurance by taking a package for two or more drivers. This can save you a whole lot on your insurance, which of course benefits the whole family of drivers.

One mistake that the majority of people make is to stay with their insurance company year after year and not even consider changing. People who don't look around when it comes to renewing their insurance could be paying around 30% more than they should be for the same level of cover.

So when it comes to purchasing your car insurance don't become complacent! By putting a little time and effort in to shopping around - or getting your broker to do it for you – can save you hundreds of pounds on your insurance.

About The Author David Thomson is Chief Executive of BestDealInsurance (http://www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.

Make Sure You Know Everything There Is To Know About Cheaper Car Insurance

Of course we all want to save money on our bills, but sometimes it seems that everything is still expensive, especially when it comes to cars and insuring them. They can sometimes be a millstone around your neck. However it is possible to make savings when it comes to buying car insurance and one of the best ways to make savings on your premiums is to shop around.

You can get someone else (ie your insurance broker) to shop around on your behalf or you can have a look online. Buying online can not only save you a huge amount of money but it will also save you a whole lot of time and leg work.

Almost all online insurers can give you an almost instant quote which you are then able to consider and compare with other online companies’. Some sites will also give you a comparison table on their site which even saves you the trouble of searching yourself. Of course you should always double check this information to make sure it is right and currently up to date as you can often find that once you fill in a full application, the premium can vary quite dramatically.

One of the most common reasons why people don't make savings on their car insurance is because they simply don't shop around. Along with this they fail to gain as much knowledge on the subject as they possibly can.

Understanding which policy you would be better taking also goes a long way to helping you save on your car insurance. For example there are two main types of insurance, third party, fire and theft, and fully comprehensive. The type of policy most suited for your needs should be taken into account but also bear in mind that fully comp, while covering you for more, will be the most costly.

There are many ways in which you can lower the cost further. If you have had advanced driving lessons then this should be stated - the safer you are regarded by the company then the lower the cost of your premium.

Your age and sex also plays an important factor in how much you pay for your car insurance. There are specialist websites that cater just for the young driver or say for the female driver and by going with one of these you can save yourself money on the cost of insurance.

Fitting better anti theft devices on your car can also save you money as can offering to pay a higher excess fee.

About The Author David Thomson is Chief Executive of BestDealInsurance (http://www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.

Cut Your Car Insurance Premiums

Car insurance is one of the dearest parts of owning and running aCar insurance is one of the dearest parts of owning and running a car, however by taking a little time to research the market place and by taking advantage of the resources that can be found online you could save money when it comes to renewing your car insurance.

When taking out your motor insurance policy check out what excess the company is asking or with your policy. By offering to pay more excess you can reduce the cost of your premiums which could end up saving you money. The excess is what you pay towards the cost of the claim when you make a claim, for example you stand to the first £50 or £100.

Having a good no claims bonus can help to cut the cost of your premium by up to two thirds. By protecting your no claims bonus it will cost you but in the long run it could well work out to your advantage.

By adding a named older driver to your policy you can knock off around 10% of your insurance premiums. Similarly, if you have younger drivers named on your policy then have these taken off to help reduce your premiums.

Fitting extra security to your car can also help to save you on your premium. Fitting good quality locks, steering locks and alarms and having your windows etched with security codes can all help to reduce the costs.

If you can afford to the pay for your premium for the year upfront, this can sometimes knock around 30% in insurance off your premium rather than paying for it monthly, which would attract an additional fee.

Consider taking advanced driving lessons. The more qualified you are for driving then the cheaper your premiums are, simply because the insurance company sees you as less of a risk.

About The Author David Thomson is Chief Executive of BestDealInsurance (http://www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.

Remember Essential Facts Related To Online Car Insurance

Car is such a valuable part of every ones life that they can not ignore the safety of their car. Although for the safety of their car people usually take manifold measures and precautions but even then sometimes they have to suffer loss. With car insurance they can take a step forward in having full safety of car and moreover if they take it online then there are also chances of availing many other benefits.

Online car insurance assists you in making the generous and useful utilization of your precious time. Online you can finish your search for suitable car insurance within seconds and even you might also grab heap of added benefits in comparison of any other mode of taking van insurance. Now as the competition among insurance companies is increasing, they have online drastically reduced the prices for car insurance. Hence with online car insurance after making search for various car insurance you can very easily find the best one suited to you.

However, while giving car insurance online, insurance companies pays heed to some important factors like driving record of driver, condition of car, safety measures installed in car and the location of your residence. With drivers having very good driving record the chances of getting online car insurance are higher because they drive carefully which minimizes the accidents or any loss to car. On the other hand if you are a high risk driver then very often you will get involved in auto accidents and keep making claim, which causes your insurance premiums to increase.

Location of your residents also plays an important role in getting online car insurance. People living in safe locations can avail it easily in comparison of those residing in unsafe places because the chances of getting your car victim of vandalism and theft are more. Apart from it insurance companies also consider the model and value of car before giving online car insurance. The probability of accidents and theft is more with cars having powerful engine and higher value respectively.

Browse online to various websites of insurance providers and compare well both the cover and cost of policy. If you find the required quote then apply for it without any delay for getting complete safety of your car.

About The Author Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is proficient in the insurance world; he is an MBA(finance) from University of Oxford. Carvaninsurance endeavors to find the best possible deals for its customers. To find Online car insurance,Car Insurance, Cheap Car Insurance, Instant Car Insurance Quote, Free Car Insurance Quote visit http://www.carvaninsurance.co.uk

The Cost Of Car Insurance Is Set To Rise Again

The cost of car insurance is forever on the rise and it looks like it will continue to rise in the future, so now it is essential more than ever that consumers shop around when it comes to taking out their car insurance. By far the best way to purchase car insurance and to get the best deal is by making comparisons online, this is also the easiest way to find out about the many different policies available and what they entail.

A recent study into the cost of car insurance has shown that premiums have risen and then levelled out but it is thought that they will continue to rise in the near future. On average it currently costs around £800 in order to take fully comprehensive for your car insurance.

Over recent times the cost of car insurance has been rising by around 6% and it is estimated that the current trends will continue to rise at rates such as this in the coming year. However while this could happen there will always be bargains to be found by providers offering discounts, of course the best bargains to be found without a doubt are online.

By looking online you are able to not only shop around for the cheapest and best deals when it comes to premiums but you are also able to make comparisons with many companies. In just a few minutes by using one of the popular search engines you are able to find a huge amount of insurers and not only compare the premiums they offer but also what the particular policies entail.

Thee are many different types of insurance policy and many additions you can take with them, it is essential that you understand what these entail and there is much free information to be found when it comes to this aspect.

Choosing the cheapest premium isn’t always in your best interest and what might seem like a very good deal could in fact end up costing you much more if you have to take additional cover with the basic. The policy that one company offers isn’t always the same as one which another offers and this should be taken into account when making the comparison in premiums.

So when looking online for the best deal always take this into account and also make sure that you understand what the exceptions and exclusions are, for the majority of time exclusions are hidden in the small print of policies, so be aware of this when choosing your policy.

About The Author Louis Rix is a Director of NetCars (http://www.netcars.co.uk), one of the UK's leading motoring websites. First established in January 2000, its mission is to become the UK's number one site for used car searches and motoring information. NetCars also provide car finance, loans and insurance.