Archive for September, 2011

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If you’re shopping for car insurance you’re probably focusing on the quotes the insurance companies are offering you, as you well should. Price is very important when purchasing an car insurance policy. That being said, you should never base your decision on which policy you buy on price alone. A company’s auto insurance rating should also play a part in the decision. But what is an car insurance rating and why is it important?

In a perfect world you’d never have to file a claim with your car insurance company. Unfortunately, we do not live in a perfect world. If you do have to file an car insurance claim you want the process to go as smoothly as possible and not all car coverage companies make that possible. That is where an agency’s auto insurance rating comes into play.

You know that auto coverage agencies run your credit when they determine whether or not to issue you auto coverage. When you check an agency’s auto insurance rating, you are pretty much doing the same thing. An insurance company’s rating let’s you see how well a company can pay out on the insurance claims they receive. This is very important information to have before you choose a specific company for your car coverage needs.

A.M. Best, Standard & Poor, and JD Powers are three companies that publish auto insurance rating information. They base their ratings on how well a company is able to pay out an insurance claim based on their financial information. You’ll want to avoid companies with low ratings since they may have a problem paying the claims they receive.

When you’re doing your comparison shopping and receiving auto quotes, check the auto insurance ratings of the companies offering quotes you are interested in. By doing this you can be assured that you’re not only getting the best price possible, but that you’re getting it from an car insurance company that will be there for you when you need them most.

Eddie Abel is a researcher, blogger, and an auto insurance rating specialist. Click this link to get your FREE quote or find more practical cost-cutting insurance tips and advice at his site: Cheap Car Insurance

Car Insurance Beneath 21

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Small business owners often overlook auto insurance

So you’ve purchased insurance for your small business but you’re still insuring your car personally. Depending on your particular operations a personal auto policy may not be such a wise choice. Your automobile just may apply to your small business more than you realize. Let’s take a look at whether or not you should consider commercial business based auto insurance policy.

When to consider commercial coverage

Do you have any employees? If they are using your automobile for business purposes the odds are very good that your provider will require a commercial auto insurance policy should the vehicle be damaged while an employee is behind the wheel. If you’re not certain, contact your personal auto insurance provider and explain the extent to which your employees use your vehicle.

Tips for keeping insurance premiums down

Now that you know whether or not to choose a personal or commercial policy, there are a few things that any car owner can do to lower the costs of their premiums. The first of which is choosing a quality vehicle. Auto insurance companies know that flashy cars with hard to find replacement parts cost a lot more to repair than a Toyota that can be serviced by anyone anywhere. Also the level of safety equipment like airbags can reduce your premium.

If you’ve already purchased a car and you want to find the increasing your deductible is another option. Increasing your collision and comprehensive deductible can have a huge effect on your overall premium. Besides, most insurance companies issue policies with deductibles in the $300-$600 range when a deductible of $1000 is a much better option. Higher deductibles mean lower premiums. Do the math. Even if you total your automobile every few years, a $1000 deductible will save money in the long run through lower premiums.

Better credit and lower premiums

Something you may not of figured int purchasing a commercial business based auto insurance policy is your credit rating. According to a recent study by Conning and Co., more than 90 percent of auto insurance companies use your credit information to assess your level of insurance risk. Of those 90% most of them assign higher premiums to candidates with ‘bad’ credit ratings. Looks like the reasons for keeping a solid credit rating just keep going up and up.

Ian Asterbury is assistant editor at Small-Business-Assistance.

More small business information YOU CAN USE, available at Small-Business-Assistance

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The Four Worst Ways to Save Money on Auto Insurance

Everyone wants to be economical. In fact, in today’s hard pressed society saving money has almost become a religion all its own. Unfortunately, it’s a religion that many people are taking to extremes-and harming themselves in the process-by buying in to the worst ways to save money on auto insurance.

Is there a worst way to save money on auto insurance? Absolutely! Like everything else out there, there’s a consumer savvy way to shop for auto insurance and there’s a not-so-savvy way to shop for it, and if you happen to buy into the not-so-savvy way you’re going to lose a lot more than you gain before you even know what hit you!

Since buying in to the wrong way to save money on auto insurance can cause lasting financial scarring, here’s a sneak peek at the four worst ways you can save money on your insurance:

1) Buying a policy from a company you don’t know just because it’s cheap. Yes, finding ways to save money on auto insurance is important (after all, there is that dream vacation to Fiji to think about!) but more important, much more important, is buying a policy that’s actually going to protect you if you get in an accident.

It’s a sad truth that in order to offer you affordable insurance coverage many auto insurance providers sacrifice quality at the altar of economy-and their policy holders pay the price. Isn’t it worth a little extra every month to make sure you’re protected from the things that go bump in the road?

2) Lowering your coverage levels. Yes, most states have a minimum required level of coverage, and yes, lowering your coverage to this minimum will save money on auto insurance; however, it also leaves you wide open to the long term financial havoc that getting in an accident without being properly insured can leave behind. Most experts recommend you carry a MINIMUM of $100,000 worth of liability coverage before hitting the highways.

3) Giving up the non-essentials. In many states collision, comprehensive and uninsured motorist coverage aren’t required unless the bank still has joint custody of your car, and many drivers are deciding that giving them up in the name of economy is a great way to save money on auto insurance; however, this leaves them holding the bill if their car is damaged in an accident they caused or they get in a tangle with Mother Nature (or an uninsured motorist).

Having more than the bare minimum level of coverage might put a little more pinch in your pocket in the short term, but in the long run your bank account and your assets will thank you.

4) Raising your deductibles. Yes, raising your deductibles is a good way to lower your insurance premiums-to a point. Once your deductibles pass the point at which you have no more money in your bank account and roll into “couldn’t pay that if my life depended on it” land it’s time to start looking for another policy. Many car insurance companies use deductibles to lure in new customers, only to leave them floundering after they’ve been in an accident when they realize they’re in over their heads.

Your auto insurance shouldn’t be a sink or swim proposition, so make sure you’re shopping savvy to save money on auto insurance the right way.

Michael McDonough is a National Account Representative for QuoteScout.com. For more information on how to save money on auto insurance, visit them on the web at http://www.QuoteScout.com

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Do You Know How Your Insurance Company’s Auto Insurance Rating Affects You?

If you’re shopping for car insurance you’re probably focusing on the quotes the insurance companies are offering you, as you well should. Price is very important when purchasing an car insurance policy. That being said, you should never base your decision on which policy you buy on price alone. A company’s auto insurance rating should also play a part in the decision. But what is an car insurance rating and why is it important?

In a perfect world you’d never have to file a claim with your car insurance company. Unfortunately, we do not live in a perfect world. If you do have to file an car insurance claim you want the process to go as smoothly as possible and not all car coverage companies make that possible. That is where an agency’s auto insurance rating comes into play.

You know that auto coverage agencies run your credit when they determine whether or not to issue you auto coverage. When you check an agency’s auto insurance rating, you are pretty much doing the same thing. An insurance company’s rating let’s you see how well a company can pay out on the insurance claims they receive. This is very important information to have before you choose a specific company for your car coverage needs.

A.M. Best, Standard & Poor, and JD Powers are three companies that publish auto insurance rating information. They base their ratings on how well a company is able to pay out an insurance claim based on their financial information. You’ll want to avoid companies with low ratings since they may have a problem paying the claims they receive.

When you’re doing your comparison shopping and receiving auto quotes, check the auto insurance ratings of the companies offering quotes you are interested in. By doing this you can be assured that you’re not only getting the best price possible, but that you’re getting it from an car insurance company that will be there for you when you need them most.

Eddie Abel is a researcher, blogger, and an auto insurance rating specialist. Click this link to get your FREE quote or find more practical cost-cutting insurance tips and advice at his site: Cheap Car Insurance

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New York Auto Insurance – How Your Car Affects Your Rates

It’s sad to see good people wasting hard-earned dollars as they pay a lot more for their New York auto insurance than they should just because they don’t have a little piece of information. It is even more painful when they lose up to $1000 just because they don’t know. This piece will address this partly as you learn how the car you choose affects your New York auto insurance rates.

There are a lot of cars out there today. The difference between two cars may just be media hype or the class attached to one and not features. How established a manufacturer is in the business could also affect the value attached to a car. Other factors that a lot of us will also consider are things like fuel consumption, how safe a car is and how trendy it looks. As the buying decision is being made you’re very unlikely to see anyone who will ask how a car will affect their New York auto insurance rates. If you really consider how much your auto insurance rates can translate to over time and that you could save a bundle by simply buying a similar car by another manufacturer, you’ll agree that it’s certainly worth taking note of.

Based on data on the risk associated with each car over a period, cars are grouped accordingly. Certain cars have built a reputation of durability. Others may have built a safety reputation. In the same way a car might have proven over years that it costs insurers much and, therefore, attracts higher New York auto insurance rates.

You’ll soon see that two comparable cars can attract hugely different rates. The following list (according to Reuters) is the list of the ten least expensive cars of the 20 best-sellers…

i) Chrysler Town & Country

ii) Chevrolet Cobalt

iii) Dodge Caravan

iv) Chevrolet Impala

v) Ford Taurus

vi) Ford Econoline

vii) Jeep Grand Cherokee

viii) Chevrolet Malibu

ix) GMC Sierra Pickup

x) Toyota Corolla

Now let’s see the most expensive to insure in order of their expensiveness…

i) Ford F-Series

ii) Dodge Ram Pickup

iii) Ford Explorer

iv) Honda Civic

v) Chevrolet Silverado-C/K Pickup

vi) Toyota Camry

vii) Honda Accord

viii) Chevrolet Trailblazer

ix) Nissan Altima

x) Ford Focus

You can lower your New York auto insurance rate by simply picking a comparable car that costs less to insure. If your mind is set on a car that is expensive to insure, you can’t take advantage of the savings possible here. However, we know that for most of us the price/value is also an important factor.

I know there are only twenty cars in the combined list. This means that yours may not be covered. The aim is to clarify a point and not to present a comprehensive list. It is that you have to take into consideration what you’ll have to pay as premium before settling for a car. The decision to buy a car that is a lot more expensive to insure will then be an informed one.

The real amount that could be forfeited is worth knowing too. This will make you weigh your options better. A quick way to do this is to use insurance quotes sites that return New York auto insurance quotes, fill the form twice with the only difference being the car make you choose. subtract the difference in the quotes returned and you’ll see the exact cost. This won’t take much time since it’s a very simple task.

I must also point out that you can lower your New York auto insurance rates even if you’ve already bought your car. All you have to do is get and compare quotes from up to five insurance quotes sites. The more the number of New York auto insurance quotes you get, the more likely you’ll reduce your New York auto insurance premium by a wider margin.

Here are my favorite pages for auto insurance quotes…

InsureMe Auto Insurance Quotes

Hometown Auto Insurance Quotes

Publishers can get unique versions of my articles by following any of the links above. Click on “To Use My Articles” when you get to my site.

Chimezirim Odimba writes on insurance.

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What Every Driver Ought to Know About Their Auto Insurance Before They Sign on the Dotted Line

Have you ever wondered why there are so many rumors about crooks and thievery in the world of insurance? It’s because all too often people buy insurance trusting their auto insurance agent to know what’s best for them, only to find out after the fact that it wasn’t what they needed at all! That kind of information tends to go hand in hand with some unexpectedly nasty (and rather expensive) surprises, which means it pays to know what you’re getting into before you sign on the dotted line.

The first thing you need to know about buying auto insurance is that the auto insurance rates you see advertised on billboards and hear about on the radio are usually lowball figures that don’t include the full amount of coverage you want under your belt before you go out on the roads. These are usually the rates that they would be able to give a car that was decked out like an armored truck with a street value of less than $1,000 and a driver with a golden driving record who only wanted minimum liability while they were out on the roads.

Many drivers are unpleasantly surprised to find that their auto insurance rates are going to be considerably higher than they expected them to be in the first place because they don’t bother to find out what’s being advertised before they decide to buy.

The second thing you need to know is that minimum liability usually isn’t enough. Many people will advocate only putting minimum liability coverage on your car if it’s used and you don’t currently have a lien, since over time you may end up paying more in premiums than the car was worth. That’s something you want to consider carefully, however, since the amount you may end up paying in liability claims has absolutely nothing to do with the value of your car-and a single trip to the ICU after an accident can leave the amount of money your auto insurance is willing to pay in liability claims dead in the water.

Next, you need to know exactly what your liability auto insurance is going to cover. More importantly, you need to understand that liability isn’t going to pay a dime to fix up your car after you’ve been in an accident! Liability is designed exclusively to cover the costs of the other cars and drivers involved, which means you’re going to be responsible for your own repairs and, if your car is totaled, the expense of replacing an entire vehicle on your own dime.

Finally, you need to know that your auto insurance agent(s) may or may not know everything there is to know when it comes to discounts and saving you money on your auto insurance. There are hundreds of ways you can save money on your insurance coverage, and if you don’t know all of them you’re paying too much. Do some research before you go shopping around for an insurance policy and you’ll be in a prime position to get the coverage you need at a price you can afford.

Clifford F. Berman is the CEO of QuoteScout.com. Since its launch in 1996 the company has specialized in matching consumers requests for insurance quotes with multiple insurance quotes from both local agents and national insurance carriers. To find out more about your auto insurance and what you need to know before you sign on the dotted line, visit them on the web at http://www.QuoteScout.com.

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Driving tax and insurance free!

There are many things that you should know when you are buying auto insurance. Your rate will depend on several things like your driving history, the type of coverage that you need, your age, and many more things.

The first thing that you should know about first time auto insurance is your rate can depend on the type of vehicle that you want to have insured. The cars that are the most expensive to insure include sports cars. Other vehicles that are higher to insure include vehicles that are on the top ten most stolen list. If you have not purchased your vehicle yet and you want to be sure to have the lowest insurance payment possible, then you should check this list. Brand new vehicles are expensive to insure also. If you buy the car cash out then you can get the minimum coverage to be sure that your rate is cheaper but the more expensive the car is, the more the insurance rate will be. Also, if you purchase a brand new vehicle with a loan from a bank then the bank will insist that you get full coverage on the vehicle. This will be substantially more expensive for you also.

When you are looking for cheap auto insurance for first time drivers it is also important to compare all rates that you can. This means shop around and gets quotes from different insurance companies and sees who can get you the cheapest rate. Age makes a difference when you are looking for auto insurance also and if the first time driver is a teenager, then you should expect to have a high rate. The rates tend to drop with age after the age of 24 and after a proven track record of good driving.

Auto insurance will depend on your driving record. When you get a moving violation you should expect your insurance rates to go up. Some insurance companies will drop your rates ever six months for no tickets and no violations. If you are in a car accident and you have to make a claim, you can also expect your rates to go up. It doesn’t matter if the accident was your fault or not, it is because you made a claim.

Another important thing to remember when you are looking for cheap car insurance is to make sure that you read the policy. Be sure that you agree with all of the terms. You should also be sure that the policy does not say that you do not have the right to sue them. When insurance companies put this in the policy they usually don’t hold up their end of the bargain and then there is nothing that you can do. If an insurance policy says that you do not have a right to dispute a claim then you should not go with the company.

If you are looking for first time auto insurance or just cheap insurance there are many things that you should consider before you agree to a policy. Be sure to shop around from different insurance companies to find the best rate.

Kian Chew is a car insurance expert and owner of Car Insurance Hot Zone. Car Insurance Hot Zone helps those who wish to lower their car insurance cost for life by using a few basic rules and some strategies which few people know. You can instantly view the secrets by visiting http://www.CarInsuranceHotZone.com

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How Can You Lower Your Auto Insurance If it is High Because of Bad Credit?

You already know that if you have a car then you are legally required to have auto insurance coverage, but what happens if you have bad credit? If you find that you are suffering from bad credit, there is a good chance that your auto insurance quotes are going to go up, but you’ll find that just by keeping a few things in mind, you can still get auto insurance coverage that is good for you. Getting the right auto insurance coverage can make a big difference to your monthly bills so make sure that you think about some of the following information.

The first thing that you have to do when it comes to getting the low auto insurance that you need is that you have to shop around. Don’t just stop by looking at one or two auto insurance quotes. Keep in mind that not all auto insurance plans are created equal, and where one company might give you a pricey quote, they won’t all do so. Take some time and really think about what your options are when it comes to looking at the numbers in front of you. Shop online and shop in person, and you’ll soon figure out what quotes are going to do the best for you.

Another thing that you can do when you are looking for low auto insurance quotes is that you should drop your collision and comprehensive coverage. Remember that this is to protect your car if your car is relatively new. If your car is not something that is going to be worth repairing in the event of a wreck, you should make sure that you should drop this coverage. Remember that you will need to think about making sure that these numbers drop if you are going to get the best price.

You’ll also find that you can get much lower auto insurance quotes simply by making sure that you have consolidated your insurance policies. When you get renter’s insurance or homeowner’s insurance from the same place that you are getting your car insurance, you’ll see a drop in insurance quotes across the board. Take some time and really think about what your options are when you are looking to make sure that you can get right quotes that you need.

Finally, think about your deductible. If you are willing to raise your deductible, you can drop the monthly payments. There are definitely drawbacks and concerns about this tactic, but keep in mind the fact that you have many different options in front of you, and some combination thereof will give you the right prices that you need, no matter what bad credit you might be dealing with.

Kian Chew is a car insurance expert and owner of Car Insurance Hot Zone. Car Insurance Hot Zone helps those who wish to lower their car insurance cost for life by using a few basic rules and some strategies which few people know. You can instantly view the secrets by visiting http://www.CarInsuranceHotZone.com

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How Do I Choose Comprehensive Coverage?

Insurance is both necessary at times and often compulsory by law. If you drive, you must have at least a legal minimum of insurance. If you have a mortgage on your house then you will need to maintain a certain amount of insurance even though the house is technically owned by the mortgage provider. If the vehicle you drive is being paid for by finance then the finance company may stipulate a certain level of cover, otherwise the legal minimum is necessary. You need to ensure you find and take out the best level of auto insurance for your own circumstances.

With auto insurance, the minimum part of the insurance by law is to pay for third party claims, where another car, person or property is involved and you are held responsible. Third party only insurance is the cheapest type of auto insurance but it does not cover you or your car, only claims by other people against you. If the accident you are involved in is caused by someone else then their insurance should cover you and your vehicle. However, if you crash your car into say a wall then you will have to pay for the damage yourself.

If you are determined to get the lowest cost insurance available there are one or two things you need to think about. The age of your vehicle? In the event of an accident would it be financially viable to repair it? It is possible a vehicle under say $2000 may not be worthwhile saving. It is possible to find auto insurance policies that would pay the market value of the car or even the actual replacement cost of it. A car is usually classed as a right off by the insurance company if it is going to cost more to repair it than it is worth. These days $2000 does not pay for a lot of repairs especially with many cars having expensive plastic panels and paint jobs.

A more expensive vehicle would probably need to have better auto insurance cover. The last thing you would want is to have an accident and then find you had no vehicle until you could afford the repairs. Often with better auto insurance cover your expenses and even a hire car can be covered. So you really should discuss the auto insurance cover with your family or whoever else is going to be involved with it and decide what level of cover you need.

One thing you should always do when looking for auto insurance is to get as many quotations as possible. Companies that offer car insurance will want your business as they will hope you stay with them for many years so be sure to try and get a good rate. There are many factors they will take into account such as driver ages, experience, location, number of miles to be driven, and previous driving record. It is still possible to get a better deal by checking enough companies though.

Cheap Auto Insurance Pennsylvania » Teen Car insurance

Clark, New Jersey (NJ) Auto Insurance

When students receives their driver’s license and a key to their car they smell freedom. But with this freedom comes responsibility, for they need to be responsible for the car and what happens when they drive the car.

They will be responsible to check and inspect the car before going on the road. But before that they need to get their car insured this is one of the responsibility they will carry. They could ask help from their parents on where to get auto insurance and ask their parents ways on how to lower the rate.

Almost everyone knows that auto insurance companies give a high rate to new drivers, high risk drivers and student drivers. This is because auto insurance companies labeled student driver under the high risk category.

Statistics show that most young and student drivers are prone to accidents because they are inexperience on the road. However if you look harder you could find affordable insurance for your student driver. But first the best way to find the best auto insurance rate is by getting student auto insurance quotes.

There are many factors that car insurance company consider when giving their clients the rate, one of these factor are the age the more younger you are the higher your rate is.

But there are also way in which you could get a discount, since you are a student if you have a higher GPA the company might give you a discount because of your high grades. Aside from that the fewer miles you have to drive every day the better for you’ll be less prone to accident. If you already have experience on the road then a clean driving record will be a big help in pulling your rate lower.

It is easy to find a student auto insurance quotes today thanks to the internet. Unlike before, where you need to call each car insurance company or go to their establishment now you can get quotes in your free time and you don’t have to exert a lot of effort.

You just need your computer and internet connection. There are lots of websites online that gives you more than one or two quotes with different auto insurance companies.

You could find free quotes online you just need to fill up some information to get the quotes, you also need to be careful and make sure that you’re on a trusted site and not a fake site so you could get the right quotes.

When you have the quotes you can then compare them and see which of it offers you the best price.

Getting auto insurance is important for if you get pulled over on the road by an officer and you don’t have auto insurance you would pay a high fine for it is required in almost every state.

Car insurance protects you as well as your passengers and the other party when you get caught in an accident. Besides being on the road is very dangerous for you don’t know when accidents happened so it is best to be prepared.

There are many sites that specialize in auto insurance quotes for student drivers. Just remember when getting your instant auto insurance quotes that you take the time to compare the plans carefully. Make sure you are getting all the coverage you want and need.

For more on this or to get quotes see Gordon Smith’s website or click on the links above.

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