23 Mar 2011

Car Auto Insurance - Save 40% to 50% With 7 Available Discounts

Car auto insurance

Save 40% to 50% with 7 available discounts and learn how to buy cheap car auto insurance. You can save big money on car insurance if you know how to shop and what discounts the insurance companies have made available.

Check for discounts.

Many insurance companies are now advertising that they specialize in discount auto insurance and some of them actually do. The good thing about this advertising is that in order for insurance companies to attract new customers they must bring their prices down to be competitive.

Available discounts.

1. High deductible discount. 40% Savings

Are you planning on having an accident? Of course not. Why not raise your insurance deductible and become eligible for lower rates? Insurance is meant as protection against a catastrophic event. Raising your deductible from $250 to $1000, or even $1500 per accident would save you hundreds of dollars per year on your insurance, about 40%, and you would still be protected from losing your life savings should you cause an accident.

I do not concern myself too much about the prospect of paying a high deductible as long as I am in compliance with the law on car insurance and am protected in the event of an accident.

2. Reduce coverage on older vehicles. 20% Savings.

If you are driving an older car that is paid for, why not drop the collision on your policy. In most states you are only required to carry liability insurance and paying for collision insurance on a car that has lost most of it's value is a waste of money. This will save you another 20%.

3. Shop online and compare.

Take the time to shop online for your auto insurance and get quotes on premiums from several different insurance companies. This way you will be sure to get the lowest price and the best coverage.

4. Buy your car insurance from the same company that you buy your homeowners insurance from.

If you can do this you will save yourself another 10% on your price even though not everyone has this option.

5. Good driving record discount.

This will save you 10%

6. Defensive driving course.

If you have had driver training you get a discount.

7. Safety Features.

If you have an alarm system on your car, along with airbags and seat belts you get a small discount.

Car auto insurance is something we all must have if we drive a car but there is no reason to pay exorbitant prices because almost every insurance company offers discounts.

Jim Kibler has a extensive background in sales, financial increase and business and was an top producing insurance agent. Jim believes most people are paying much more money than necessary for insurance.

Tricks in Getting a Low Premium With Full Coverage for Luxury Car Insurance

Buying a luxury car is a desire for everyone in this world and buying cars like Audi R8 or Porsche 911 Carrera. Latest survey says that buying luxury car has been increased about 10.3% compared to the previous year 2009. Your dream car must be insured to protect against the theft, accident, vandalism and natural calamities. Average cost of the luxury car is $50,000 and if you like to insure your car with basic coverage with yearly premium rate goes around 5% of your total price of the car. Insurance agents mostly offer all unnecessary coverage just to increase our premium rates before going to insure your dream luxury car you have to know the mandatory insurance coverage and other coverage. Here are some useful tricks to be followed to reduce your yearly premium amount.

How to reduce your premium amount for car insurance without losing the coverage?

There are several tricks in getting the premium amount reduction:

1. Gain the No claim Bonus (N.C.B) which many insurance companies offer the discounts with higher N.C.B. N.C.B is if you not made any claim during 12 months or greater you are eligible to N.C.B

2. Most of the Car insurance companies offer the less car usage discount, so if you travel less distance with your luxury car then you can get the less usage car discount.

3. Insurance companies like alliance, New York and G.E.I.C.O offers the discount of about 5% in yearly premium for the drivers who are taking a monthly driving course in recognized driving authority institution.

4. If you enabled the security devices like G.P.S, security alarms insurance companies offer the 5% discount for yearly premium.

5. Increasing your deductible amount makes you to claim for big amount, for example: Your car met with an accident and need $2000 dollars to repair and your
deductible amount is $1000, then you have to pay $1000 and company only pays $1000, so increasing your deductible amount gives you relief from paying our own money.

6. Include additional drivers like your son or daughter as a second driver if they studying college or school as young drivers with good grade in school and college get discount of 5% in yearly premium.

Things to be remember Before Signing the Offer Document:

1. Check whether the insurance coverage quoted is needed and their terms and conditions and it covers all mandatory coverage like accident and damage protection, theft coverage.
2. Make sure that the electronic equipments in the car also included in the coverage.
3. Include the second drivers and add the details like their date of birth and license Number.
4. Ask for the above discounts to reduce the yearly premium amount.
5. Read the Terms and conditions offered by the insurance company carefully and if you have any doubts and questions regarding the financial terms raise the question to your insurance adviser.

Car insurance is always a trick job so before proceeding to insuring your luxury car make a check list of car insurance quotes and coverage which you need. Search for sites which offer for cheap car insurance quotes with all needed coverage.

Article Source: http://EzineArticles.com/5197572

Saving on Auto Insurance: The Road to Reduction

The road to saving on auto insurance is something that every consumer travels at one time or another. And the quest is really not as difficult as it may appear. Saving on auto insurance can be a snap if you know the right places to look, and the best avenues to shop around.

Here is a great way to save of auto insurance: driving safely. Driving with caution is one of the number one ways to keep those rates on the lower end. Insurance companies do not take too kindly to traffic tickets and auto accidents because they only increase their costs.

Keep your credit in good standing. Some auto insurance companies will use your credit rating score in calculating your rates. So, if youÕve got a less than stellar credit rating, watch out! You may be dishing out more for your auto insurance than is actually worth it.

Some insurance companies will give a price reduction in premium if your vehicle is equipped with the most current safety equipment such as air bags and automatic seat belts. By investing in car alarms or other various security devices such as a car tracking system, you may be eligible for a discount.

Unfortunately, saving on auto insurance does mean that you will have to make a few sacrifices. Cars that have more expensive parts, or are sportier are equipped with higher insurance rates. Buying a less expensive car will cut down on your insurance and liability coverage costs.

Auto insurance companies vary on their discounts and savings, so it is a good idea to check with your agent or customer service representative to verify what is applicable in your area. There are guides offered by each individual stateÕs insurance department that will supply you will all the information available about auto insurance savings in your vicinity.

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount auto insurance [http://www.best-free-insurance-quotes.com/auto-insurance.html], life and home insurance that you can research in your pajamas on his website.

Article Source: http://EzineArticles.com/39630

How to Save Bucks on Car Insurance Rates

Automobile insurance policy is necessary for every vehicle that will get on the road. Though the state will need liability insurance policy, if the auto is financed, the loaner will need complete car insurance security. There are numerous methods to have cheap insurance policy and buy at the time while they are handy by getting online car insurance rates.
Compare and save
Increase the deductible for the vehicle if possible. Simply make sure that if accident takes place, deductible will be capable to be paid-up. Bringing up the deductible right from 250 USD to thousand USD could outcome in savings for the automobile policy plan. Few loaners might need the less deductible if the auto is financed. Check out with a loaner ahead before bringing up the deductible to the uttermost level.
Pay up for the total term and condition immediately. Numerous car insurance firms offer up price reductions once the total insurance premium is paid up in advance. This savings could some of the times be important with as very much like the ten percent price reduction on the complete insurance premium. Some other similar savings is to get the insurance premium placed to be automatically taken off from the bank account. Few insurance firms will offer up the price reduction for this even out if the insurance premium is paid up every month.
Let the car insurance firm recognizes just about any safe and secure driver classes that have been taken up. These classes could importantly bring down the premium. If a driver hasn't had this class however the insurance firm extends the price reduction for them, consider the prices of the class against the price reduction in the premium. If the savings will be important, especially is the price reduction is fine for multiple yrs, look at having the course.
Step-down the price of car Insurance
Expose any tie-ups in groups that might provide price reductions. Few car insurance firms will provide price reductions to members of some administrations, business sector employees or grads affiliations. If the special driver is the educatee, the suitable student condition could as well drop-off the total premium.
At last, merge multiple insurance policies with single carrier, such that like householders or tenants insurance policy. This could as well cut down the insurance premium amount of money for every insurance policy. Inquire for price reductions available for several insurance policies and estimate total savings by combining every insurance policy plans under single umbrella.
When purchasing for online cheap car insurance could be a comfortable and instant method, allow adequate time ahead before the actual insurance policy dies to purchase for a fresh automobile policy. Bear in mind that a credit score might likewise impact the car insurance rates that are provided by insurance firms therefore maintaining first-class credit could likewise produce savings.

2 Mar 2011

Car Insurance Estimate

Shopping around for a car insurance estimate is not something most people look forward to. It is one of the least exciting chores that is required in order to have a car on the road, but it is worth seeking out the most competitive car insurance estimate available. Although getting a car insurance estimate from a number of companies isn’t a desirable task; many people spend far more than they absolutely have to each year on their auto insurance because they simply haven’t taken the time to compare rates and policies with other auto insurance companies. It would be hard to find someone who would walk into an appliance store and decide to spend $200.00 more on a washer that offers the same exact quality and features as the one next to it that costs far less. It doesn’t make too much sense to do the same thing with car insurance.
One of the best things to do before looking for a car insurance estimate is to see exactly what the state requirements are as far as what the necessary minimum coverage is in order to have adequate coverage. This is something that might be better to do without the assistance of an insurance agency if possible because their job is to sell insurance and they make more money with the more coverage they are able to sell.
In order to spend less time on the phone when looking for a car insurance estimate, it is a good idea to have a number of items handy including a driver’s license, vehicle identification numbers, make, model and year of each car and even the name and contact information for the company that is financing all vehicles if applicable. There are also a number of factors that can be taken into consideration when seeking a car insurance estimate that may mean additional savings per year. Features on each auto including airbags, auto alarms, anti-lock brakes and other things may mean discounts on auto insurance. Some insurance companies will even offer discounts for having more than one policy with their company as well as insuring multiple cars through with their coverage. Additional discounts may be found through other things like accident-free driving record, defensive driving course incentives and other discounts.
Other circumstances may cost a driver more with certain companies when looking for a car insurance estimate. Men under the age of 25, single drivers, younger drivers under the age of 21, the number of miles driven per day and even the kind of car that is driven can cost a person more money on car insurance when shopping around. The best part about this is that not one car insurance will probably charge the same amount of money for the same coverage so shopping around will prove that there are better choices available.

Top 5 Reasons For Getting Car Insurance

You don’t get car insurance for no reason. In fact, you can have a long list of reasons why you are getting and paying for your most preferred car insurance. And if you learn more about how you are going to avail discounts and good prices when shopping for car insurance, you will all the more have more reasons to get one for yourself.
For the record, those who are determined to get car insurance know its worth. And those who are able to learn about discounts that apply when availing car insurance have the strongest urge to get the insurance right away. It will be helpful to know some relevant facts about how to enjoy discounts and affordable car insurance policy. And in Denmark such facts are indeed applicable. Here are some questions that will beg for answers:
-      Do you have a safe driving record?
-      How about your credit score?
-      Is your car equipped with safety equipment such as automatic seatbelts, airbags, and anti lock brakes?
-      Is your occupation a higher or lower risk to insure?
-      What is your annual mileage? It will be best if you have a lower yearly mileage of course.
-      Are you connected or do you have any affiliations with professional organizations and other insurance companies?
-      Are your other cars insured in the same company?
-      What is the rate you can manage if you finally decide to buy a new car?
-      Is there an anti-theft device installed in your car?
-      Have you taken any safety driving course? As for teens, they should have one so they can have more chances of availing discounts.
If you are confident that you will have good answers to the above questions, then you will have a greater edge when you shop your car insurance. And it will turn out that you really have more good reasons to avail insurance car policy since you have reasonable answers to do so.
The Price Matters a Lot
Even if you don’t have any plans of getting insurance, you will easily get convinced when you find out that car insurances have reasonable prices. Then, even if you think that you don’t drive well, you will consider having car insurance since you want to secure your future. It won’t be difficult to get a good deal from an auto insurance company especially if you are talking about a reputable auto insurance company.
And finally to give you the top 5 reasons for getting a car insurance company, here they are:
  1. It will suit your budget.
  2. It will give you peace of mind.
  3. You can expect claims and higher premiums.
  4. If you get involved in an accident and it is not your fault, you can help the victim.
  5. Driving without insurance is indeed synonymous to driving illegally.
Apparently, these reasons will get you more convinced in getting car insurance.