Auto Insurance

By David Maillie

The price of gas just keeps on going up and has no apparent relief in site (probably due more to George Bush’s close personal ties to big oil and the middle east than anything else). This in turn is driving up inflation and the cost of almost everything we buy or need including auto or car insurance. Here’s how to turn the tables in your favor and save money on your auto insurance like George Bush would if he had to pay for his auto insurance.

We’ve all seen the commercials and mailings for Progressive and Geico telling us to get online and compare auto insurance companies and get competing quotes. There is a good reason for this – it will save you money. In most cases, shopping for auto insurance quotes online will save you big money (the average online auto insurance shopper pays 38% less in auto insurance premiums). Get online and shop your auto insurance. You will save money.

It also helps to drive defensively and safely. According to the National Foundation for Highway and Traffic Safety, aggressive drivers cause 90% of all accidents and pay 30 – 70% more in auto insurance premiums. Take a defensive driving course. Many technical and community colleges offer these courses and they may also reduce points on your license and DMV record. That leads to another important way of saving money on your auto insurance - get points removed from your license. You get points for things like speeding, not stopping for a stop sign, running a red light, and not waving to George Bush (Just kidding). These points cause immediate rate increases on your auto insurance. Most states offer free or nearly free courses that will reduce the points on your license for most infractions (except for drunk driving and driving under the influence – you have to have a powerful name like Kennedy or Bush and then you get driven home).

Another way to save money on your auto insurance is to increase your deductible and assume more risk.. You will save money by, for instance, going from a $250 deductible to a $1000 deductible. One word of caution, do not drop uninsured and under insured motorists coverage. Due to George Bush and his lenient policy in the past with illegal aliens in our country from Mexico we now have over 20 million illegal and uninsured motorists in America.

Another great way to save money on your auto insurance is to drive a vehicle with a low theft rate. It is a proven fact that auto insurance companies charge higher premiums based on car brand and model theft rates. Since George Bush did practically nothing to stop these illegal aliens from Mexico we now have millions of them and they love to steal cars as some have found it easier than purchasing and they love Honda Civics and Accords. We don’t hear of many of them tooling around in a Mazda or a minivan. Maybe if George Bush invoked trade restrictions with Mexico this would change and jobs would come back to America?

Joining professional groups like AAA. AARP, etc… can also save you money on your auto insurance as you may be entitled to group rates. There are many other ways also. Now you know how to save money on your auto insurance and why we are earning less and executives at big oil are earning more and more (George Bush takes care of his friends). Also, I don’t know if it’s a republican thing, but lets think before we put a Bush in a political office in the future. If you haven’t yet had the opportunity, please watch Farenheit 9/11 and learn more about George Bush and his brother in Florida.

David Maillie specializes in automotive safety products and information. He holds numerous patents and awards for his patented headlight cleaner and restorer. For more information, tips, and money saving products for your auto please visit http://www.mdwholesale.com

Article Source: http://EzineArticles.com/?expert=David_Maillie

Posted by Orce37 at 9:40 AM | Permalink | Comments

By Tim Gorman

Finding the best deal on auto insurance can either be an extremely difficult and boring task or it can be simplified enough to where its not viewed as a chore but as a way of protecting one of your most valuable investments (your prized car or automobile) for a reasonable price that you can comfortably afford. Naturally, when comparing the competing offers and quotes from the various auto insurance providers there are a few things you should be aware of in order to guarantee that you get the most amount of insurance at the very best rate or insurance premium cost.

Probably the number one feature that many consumers compare among the various car insurance companies they are thinking about purchasing their next auto insurance policy from is the price of the automobile insurance coverage. Let's be honest, this is a valid reason, especially in today's slightly inflated economy and with gas prices on a continue rise. The first thing that should be done when comparing auto insurance quotes is to make sure the insurance policies being quoted are similar among all of the auto insurance providers. Normally insurance quotes are provided free of charge and they usually last or stay redeemable for about a period of 30 days. You also can easily compare prices online at each insurance providers company website or by speaking with a customer service agent or representative on the telephone.

Although using the cost or price for your next auto insurance policy may be a good start when comparing auto insurance coverage providers it definitely shouldn't the only factor used to determine which company to obtain your next auto policy from once you actually decide to make a purchase. You should also keep in mind the quality and financial soundness of the auto insurance company. A company that offers the best rates but doesn't have the financial resources to pay out any insurance claims made does you no good along with a company that is stingy with its insurance money. Make sure and check the credit ratings for all of the insurance companies you are interested in using for your next auto policy. Another good idea is to check with your friends and neighbors to get their opinion on the auto insurance provider that currently insures their automobile.

Finally, don't forget that no matter how good the auto insurance company looks and even if the premium or monthly insurance rate fits in your budget if the auto insurance provider doesn’t meet your needs as a potential customer then they really don’t deserve your business. Customer service means alot nowadays so if it takes 30 minutes to speak to an insurance representative or if you are unable to access your auto insurance policy or account online due to constant computer problems then it may not be worth the time and aggravation even if the insurance rates really are the cheapest.

Timothy Gorman is a successful Webmaster and publisher of Top Auto Insurance Providers. A website that specializes in providing auto insurance advice to include easy ways to find cheaper auto insurance quotes online that you can research in your pajamas in the comfort of your own home.

Article Source: http://EzineArticles.com/?expert=Tim_Gorman

Posted by Orce37 at 1:07 PM | Permalink | Comments

By Tim Gorman

Our money saving auto insurance tips were written for one reason - To Save You Money on your next auto insurance policy. Since in most states you are required by law to purchase a minimum amount of liability coverage we've looked for ways to save you money. Additionally many people want more than just the bare minimum in order to provide themselves with adequate protection.

The top two biggest money saving auto insurance tips are to first shop around. There are numerous providers of insurance and generally speaking you can save a great deal of money on your policy if you take the time to find the right provider.

The second biggest tip to lower your rates is to simply raise your deductable. In some cases you can reduce your annual premium by 10 percent or more if you increase your deductible by a few hundred dollars. USE CAUTION HERE: You want to make sure you can actually afford the amount that you raise your deductible to or you're no better off then before.

Additional tips include eliminating certain types of coverage from your current policy and reducing the amount of coverage you currently have. Generally this is up to each individual based on thier needs, wants and desires. You may want to consult an insurance agent before making any drastic changes to your current policy.

Other factors raising the cost of your policy include the amount of mileage you drive annually and the type of vehicle you own and operate.

Did you also know that where you live can determine rates and keeping your car in a garage can lower your rates. Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.

If you have multiple cars and drivers then you could qualify for a multifamily discount. Sometimes your children's insurance premium can be lowered based on their school grade point average.

Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.

Finally try using an anti-theft device. This helps to reduce your insurance cost.

Thanks for taking the time to read our money saving auto insurance tips. We hope our free tips and save you some of your hard earned cash.

Timothy Gorman provides more insurance information and free money saving insurance quotes that you can research in you pajamas on his website: Best Free Insurance Quotes.

Article Source: http://EzineArticles.com/?expert=Tim_Gorman

Posted by Orce37 at 11:52 AM | Permalink | Comments

By Stefan Rockhaus

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

Zero percent car insurance

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

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

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

Tips on car insurance

Some important tips to remember are:

• Higher excess: You can opt yourself to pay a higher excess in the event of an insurance claim.

• Do thorough research on the internet, as online car insurance is a lot cheaper.

• You get cheaper insurance if you get an approved immobilizer fitted in your car.

• Get an insurance broker, as he can help you pick the right insurance.

• If you are a student, you may gain some concession from the companies.

• You can also get a cheap car with a small engine, as the more costly the car is, the higher the premium will be.

• By building and protecting a 'no claims' bonus you will have a great impact on your insurance rates.

• If your car was very cheap, it may be cost-effective to have third-party, fire and theft insurance, instead of fully comprehensive cover.

• Never give your price first, and never take the first quote from an insurer.

• If you can, get your own copy of Credit Report and show it to the insurance companies, as they will charge you to get it for you during the approval process.

Visit the Car Insurance guide for more information, and for related info go to Boat Insurance

Article Source: http://EzineArticles.com/?expert=Stefan_Rockhaus

Posted by Orce37 at 11:13 PM | Permalink | Comments

By Michael Russell

You've just received your long awaited drivers license and it's time to start getting behind the wheel. Congratulations! Along with the good news on getting that brand new drivers license comes the bad news of having to get car insurance for the vehicle you'll be driving. And if you're a teenage driver with that new license the cost of auto insurance can be astronomical.

It doesn't have to be as bad as it seems though. There are some ways to get a few discounts and ease the pain of these high premiums. It is going to take some time and a little searching on your part, but getting lower cost car insurance is possible. Here are a few tips to help you in what to look for when shopping for car insurance for the new driver.

• Shop around. I know that sounds pretty basic, but you'd be surprised at how few people do this. We tend to just take the word of a friend who says this insurance agent is who they use and we just buy from them. No, it pays to do some looking around. Compare the different policies along with the price. You'll be surprised at the many differences you come across.

• Shop online. Buying car insurance online is becoming very popular. It is a very convenient way to buy insurance these days. You can find many different insurance companies online and get quotes instantly. Be sure to check this out.

• Ask the insurance agent about any kinds of discounts the company offers. Even though you're a new driver, there are still discounts that you may qualify for.

• The type of vehicle you are going to be driving will play a huge role in the cost of car insurance. Will you be driving a hot new expensive sports car? Of will you be driving an older less expensive car? I know it is tempting to want the sports car, but if you're looking to save money on car insurance, pick the less expensive car.

• Have you taken a drivers education course? Insurance companies may give you a discount for that. Again, ask the agent about this and see if they do in fact offer a discount.

• Are you a teenage driver going to high school? How are your grades? Insurance companies will give out good student discounts to new drivers. This discount could be as high as 10%. Having good grades can really pay off.

• Drive safely. You can keep your car insurance premiums as low as possible by not getting tickets, or having accidents. Never drink and drive. A clean driving record will help you save money on your car insurance both now and well into the future as well. Keep in mind that driving is really a privilege and with it comes a lot of responsibility.

These tips should help you with finding the lowest cost auto insurance possible. Don't get frustrated. Have patience and ask questions. You'll find the best policy that fills your needs.

Michael Russell

Your Independent guide to Insurance

Article Source: http://EzineArticles.com/?expert=Michael_Russell

Posted by Orce37 at 11:04 AM | Permalink | Comments