Cheap Car Insurance

Thursday, December 31, 2009

Cheap Car Insurance Quotes - Choosing The Best Auto Insurance Company For You

If you're looking for cheap car insurance quotes, you'll want to consider long established as well as newer auto insurance companies for cheaper rates; newer companies are competing for your business, however they don't have the history to back them up. Getting vehicle, truck, auto or car insurance is something everyone who drives a vehicle has to have; yet many people end up paying too much for their auto insurance and they'll never know they are doing so. Today most car or auto insurance companies offer a wide range of policies and plans to their customers and therefore can offer discounted free online cheap car insurance quotes.

You also may want to consider your longevity with your current company, especially if you have a good record in case length of your coverage plays a part in the rates you have now or other variables in your policy that might be different and more valuable to you than with a newer company -- even at a lower or cheaper rate. You definitely want to compare insurance policy features; compare the wide range of deductibles that are offered and compare the level of coverage they provide, this can vary quite a bit. Of course if you're already insured you can choose to stay with your present auto insurance company or go with a new company if you want to, but low cost or cheaper rates may be a good reason to switch to another insurance company.

Make sure to find out all you can about the company you've selected; check online for customer car insurance reviews and ratings but keep in mind that a few negative reviews can happen with any auto insurance company. Many companies will offer lower or cheaper insurance rates or more affordable rates than others with the same type of policies. Make sure you find out exactly how much deductibles will be and any conditions attached to them.

You can also look for insurance companies that offer discounts to good drivers; this is another good reason to concentrate on driving defensively and keep focused on your driving. If you're over 50 years of age, you and your spouse can become members of the American Association of Retired People (AARP) for only $12.50 a year for US residents; they deeply discount insurance and are currently affiliated with one company, thus able to give you an online cheap car insurance quote. You can visit websites and request free cheap car insurance quotes; you'll need to give them basic, detailed information about your car insurance history, your current situation and what you need in terms of your policy.

Several car insurance policies or plans rely on a reasonable estimation of the average annual distance expected to be driven which is provided by the insured; this discount benefits drivers who drive their cars infrequently. Most single line and multiple line companies offer discounts and other great benefits for carrying multiple car insurance policies and other lines of insurance in the same household. Some companies do take into consideration the credit report rating of the customer in determining the level of risk for the insurance company; if you have poor credit or bad marks on your credit report you'll want to find a car insurance company that doesn't look at FICO or credit scores in making its decision about what rates they will charge you in their quote.

A discounted insurance policy doesn't mean that you'll have the best policy so you'll need to check this out carefully first; make sure to compare it with other companies to make sure you're getting the best deal. You want to compare, compare and compare the cheap car insurance quotes that you do get; some may be very similar but some quotes could be quite different.

In the U.S. many insurers offer a good grade discount to students with a good academic record and resident student discounts to those who live away from home. Some companies offer special discounts for women too; make sure to ask if you're female.

And make sure to compare, compare and compare again; get as many quotes as you can find time for and you should be able to come up with some of the best, free, online, cheap car insurance quotes. These are just some of the best tips that can help you save money on your auto insurance and give you an idea what to ask and look for when you are trying to get a cheap car insurance quote. Make sure the company you select offers excellent low cost and cheap rates of car insurance and a good level of customer service too.

Save money with free online cheap car insurance quotes and finding the best auto insurance online visit a popular website specializing in cheap car insurance advice, resources and auto insurance discounts including tips onhow to save money on your car insurance quotes

Thursday, December 17, 2009

Cheap Car Insurance - 7 Tips To Reduce Your Car Insurance Costs

With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it is possible to find cheap car insurance, the question remains, is it worth buying?

Everyone knows that car insurance companies are not all equal. Cheap car insurance is wonderful when paying the bill, but make a mistake on the company you select and you could find that the cheap car insurance policy that you found may turn into a nightmare. Cheap car insurance may not turn out to be so attractive when making a claim.

So if you have found a discount car insurance broker don’t just take the cheapest quote that you get. You need to find out a little about the insurance company that is offering the cheap car insurance rates.

And there’s ways to reduce the cost of your car insurance even with the best of companies. Here are some tips for those looking for cheap car insurance to help reduce the cost of car insurance without compromising other things.

7 Cheap Car Insurance Tips

1. Look at your deductible amount. This is the amount that you pay first out of any claim. The cost of your policy is directly related to this amount. Many people, particularly those who have had their insurance policy for a long time, have never considered whether they ought to vary their deductible. If you have a good driving record and are prepared to increase the risk of paying a larger amount in the event of a (hopefully unlikely) claim you can save money by increasing your deductible.

2. Have a look at the type of car you drive. Certain types of cars attract higher car insurance rates. Cars such as sports cars and also certain makes and models that are prime theft candidates cost more to insure. If you are buying a car then find out which makes and models these are before you buy.

3. Drive carefully. Although it sounds a little trite to say it, your car insurance cost is a factor of your risk profile. You won’t get cheap car insurance if you have had 3 speeding fines and 2 accidents in the last year. These things are all taken into account and you should take care with how you drive. It all adds up onto your bill. There are big safe driver discounts available.

4. Considering installing safety and anti theft devices in your car. Again these affect your risk profile. If you have a car that is safer and less at risk of theft it should be cheaper to insure. And if you have a car with certain safety devices now check that your insurance company is aware of these, if not tell them.

5. Look at your policy when it comes to renewal time, don’t just pay. There are some things that you can vary in your policy that will affect the cost. Often there are some things there which duplicate other insurance that you may have that can be eliminated. Be critical, look carefully and ask questions about all these before you renew your policy.

6. Have a look at who your other insurers are. Many insurers offer a discount for multiple policies. If you insure your house with a certain company then ring them up and find out if they do car insurance. Get a quote from them. Find out what discounts they offer.

7. Find a good online discount car insurance broker before renewing. The internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Don’t just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.

So if you’re in the market for cheap car insurance there’s some ideas for you. Don’t just accept that car insurance is always prohibitively expensive, get out there and do something about it.

For a website totally devoted to Car Insurance visit Peter's Website Car Insurance Answers and find out about Car Insurance as well as Cheap Car Insurance and more, including Online Car Insurance Quotes, UK Car Insurance, Car Insurance Rates and Car Insurance Quotes.

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Tuesday, December 15, 2009

Finding Cheap Car Insurance For Young Drivers in the United States

In order to get cheap car insurance for young drivers, usually between the ages of 16-21, you must first determine what type of coverage you want for the driver and then factor in how much you are willing to pay for the coverage. In Florida for example, drivers are required to carry PIP (Personal Injury Protection) to cover medical expenses for the insured driver themselves, whereas in Ohio, liability coverage is only required for drivers to have. Regardless of where you live, there are many questions you should be asking about before you get your policy.

Important Questions on Insuring Our Young Adult Drivers

As much as we as parents worry about our young teenagers getting behind the wheel of a car and entering the world of driving, the fact still remains that there's nothing really that we can do about it but to accept this new reality, teach them proper safety habits, and make sure that our teenagers are well insured.

Below are some FAQ's that are commonly asked about car insurance for teenagers...

Why are auto rates for beginners drivers so expensive?
The cost of car insurance for teenagers usually varies with different teen drivers as there are a few teen drivers who have a worse driving history with higher rate of accident and much costly accidents than others. A large sum of interest rate is generally paid by male drivers under 25 years of age. The rate again differs on if he is the main driver of the car that is insured, whether he owns the vehicle and whether he is married or not. However, this high accident rate has also been observed with female teen drivers and as a result the insurance companies have higher rates for the car insurance for teenagers.

Is it possible to be added to the parents auto policy?
You can only be added to your parents car insurance policy if you drive a family car. However, you will find a rise in the cost of the policy. If you own a separate car then the insurance company of your parents will offer you separate car insurance for teenagers policy with a different rate.

Does age matter when taking out a new policy for my teenager?
Probably no, this is as long as you have a valid drivers license. However, in some of the states you should be above 18 years to own a car and the drivers license in order to get the car insurance for teenagers.

Is the rate affected if during accidents or if a traffic violence ticket is issued?
If you are not the culprit for the accident then the car insurance for teenagers will not be affected. However, if you are found at fault for a really serious violation that racks up expensive property damage, then your rates might increase when you renew your insurance policy. This is because you will be categorized into those with higher risk of driving and you can never shift back to accident free ground.

If I loan my vehicle to a friend and they get into an accident are they covered?
In most of the cases the person using your car with your permission is covered under your car insurance for teenagers. However, you should also know that if the person driving your vehicle with your permission is involved in an accident, the insurance company would cover just assuming that you were the driver. In a few states the insurer might even limit the coverage.

Is it right to report all the accidents to the insurance company?
Definitely yes, it is important to let the company know about all your accidents although you might not end up in filing a claim for coverage. However, if you do not report these incidents then you might even have the risk of being sued by the opposing party and your insurance company might even not be able to defend strongly on your side.

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Wednesday, December 9, 2009

Get Cheap Car Insurance For Young Drivers Today!

Is there anything more all-American than that? The desirable age of sixteen comes with the right to take the household car on Friday night, go on dates, and cruise the main drag. For a brand new driver, every exciting minute behind the wheel lays another brick on memory lane. Of course, this milestone also marks fear in the hearts of parents and pedestrians everywhere!

First things first... AUTO INSURANCE! Finding cheap car insurance for young drivers can be a daunting task. For the most part parents will simply add their teenage driver on top of their existing policy. However, it is wise to search out a variety of quotes - from both the "big boys" of the insurance industry to the less-conventional providers. Cheap car insurance for young drivers is obtainable to the smart bargain hunter. The internet offers an endless amount of auto insurance providers. Perhaps the easiest way to attain multiple quotes is to take advantage of a website that will do the shopping for the client. These sites are not the real insurance providers, they do have access to multiple insurance companies. With the basic information, these sites will obtain multiple quotes, finding better rates in a quicker time.

Other factors can help with the search for cheap car insurance for young drivers. Some of these factors include...

1. The grade point average of the young driver. It's confirmed! Good student discounts are very familiar among many providers. And, straight A's are not generally required. Typically, honor roll students will qualify.

2. Driver's Education Course. Several states require this course to be taken, but many do not. In these states, insurance companies will often offer an incentive to support young drivers to be as prepared as possible before getting behind the steering wheel on their own.

3. The type of car the brand new driver will be driving. Oh, how cool to be the kid in high school with the fastest sports car... Wrong! A good rule of thumb - the faster the car, the higher the premium. Basic, four-door models are the best for cheap car insurance for young drivers.

4. The projected total of miles. Just like adults are asked to estimate the amount of miles they will put on their car driving back and forth to go to work, new drivers will also have to estimate their miles. If the new driver will be traveling a longer distance to school, this may well give cause to a elevated premium.

Mr. Ben Mba is helping young drivers find cheaper insurance online. If you are a young driver looking to find some cheap car insurance for young drivers, he recommends that you compare the car insurance quotes online, to find the cheapest auto insurance provider immediately. It is all free of charge for you, courtesy of

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Monday, December 7, 2009

3 Steps to Finding Cheap Car Insurance For Young Drivers

Finding cheap car insurance for new drivers can prove extremely challenging. This is even more so when the person looking for such insurance is under the age of 25 years. In fact the highest premiums are those charged to people aged between 16 and 24 because they are considered to be a higher risk to the insurance companies.

However, for these drivers there are certain things that they can do which can help them to get the best deals possible when getting car insurance. Below we offer a few steps that any new driver should consider using and which will help them as a result to obtain much lower premiums.

Step 1 - Although you may want to show off to your friends after passing your test going for the fastest flashiest car isn't the right one to get cheap car insurance. Remember insurance companies see you has a high risk as they feel that you don't have enough experience when it comes to driving. Instead opt for a more basic car with a small engine as this is the best way to keep the price of your premiums down.

Also look for cars that come with plenty of safety features as standard on them. Insurance companies will see you as a more responsible driver and will be more willing to offer better rates to you. Plus it is also worth considering up the security features that your car is fitted with. Most modern cars are fitted with immobilisers but it is worth considering also fitting an approved alarm system also.

Step 2 - After passing your initial car test it is worth considering enrolling on to an advance driver's course. Whilst on this course you will learn more about how to avoid potentially dangerous situations when driving that a conventional driving course will not provide you with. Again by undergoing such courses the insurance companies will see you as a more responsible driver and will see you have gained more experience to help improve your driving skills.

It is important that you choose those driving courses that are recognized by the insurance companies such as Pass Plus. If you don't then the chances of you obtaining a reduced premium is greatly reduced.

Step 3 - If you can afford to then pay a higher excess rather than the minimum amount that is stated on the policy. Often by agreeing to pay more towards any claims you make on your policy is a sure fire way of helping to get the premiums you are paying down to a more reasonable level.

Want More Free Information

Click here Cheap Car Insurance For New Drivers.

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Friday, December 4, 2009

Cheap Car Insurance For Young Drivers - 5 Tips

Young drivers rarely get cheap car insurance because most of them don't know how. Here are 5 tips that will help you lower your car insurance immediately by at least a couple dollars... or more.

1. Get good grades in school: That's right, you don't need to get A's but if you at least get B's, some insurance companies will give you cheap car insurance for young drivers. To them, smart people are less likely to get into accidents and let's be honest, it's not too far from the truth.

2. Buy online: Companies will charge less if you buy online, that's fact. When you buy online, you don't take as much of their time and they don't need to pay an agent to help you. Both you and the company win when you buy online. They cut their expenses and you end up with cheap car insurance.

3. Don't drive so much: The more you drive, the higher the risk of getting into an accident. The insurance companies don't like that. Be very specific about the mileage you drive during the year and you'll end up with more money in your pockets.

4. Buy an older car or a cheaper one: You're young and you have dozens of years in front of you, start with a basic car before upgrading to the expensive ones. Expensive cars always cost more to cover than used and inexpensive cars.

5. Pay your bills: Paying your bills proves your responsibility and in the end, driving is all about being responsible. Insurance companies tend to give cheap car insurance to young drivers who pay their bills.

Now get your pen and paper and start calling. Be clear with your car insurance on these 5 points and I'm pretty sure you can deal with them and save a couple dollars here and there.

If you're looking for more information on very very cheap car insurance, Francis Bastille has a lot more information to give you on his website. Young drivers [] need our help when dealing with car insurance and this is why a whole section of the site is dedicated to YOU.

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Tuesday, December 1, 2009

Where To Find Cheap Car Insurance

When it comes to finding cheap car insurance you can do no better than looking online, simply by using your computer and internet connection you are able to browse through and compare quotes from many different sources.

So if you are asking yourself the question “where to find cheap car insurance” then you have no further to go than your own home. The best way to make a start is to do a search using one of the popular search sites, in just a few minutes you will be presented with many insurers to choose from, from here you simply have to answer a few questions and receive an almost instant quote.

Of course you will have to do a little work yourself; there are certain things that you will have to consider before buying your insurance online. One is the type of insurance that you require, if your car is a second hand one of age, then taking third party might be your best choice. However if you have bought a brand new car from the showroom then you will probably want to make sure you have it covered for almost all possibilities and take out fully comprehensive.

Of course while you can make the best savings by shopping online for your car insurance there are many things you can do yourself to keep them down as low as possible. There are certain factors that will boost up your premium such as the area in which you live and while you can’t change this, you can do things such as installing the latest security alarms on your car.

Other factors which you should take into account are your age and sex, the younger driver does get penalised by having to pay a higher premium but there are sites that are aimed specifically at the younger driver and this is your best chance of making savings. Similarly if you are a women driver then there are sites that cater just for women, with women being known to be the safer drivers you can get the cheapest premiums by going with a specialist company.

Above all when buying car insurance always make sure that you understand what the policy entails and what you are and are not covered for, all policies do have exceptions and exclusions within them so always read what the particular policy entails before committing yourself.

Jason Hulott is Business Development Director of Protection Insurance, an internet based insurance business dedicated to getting consumers the best rates and the best products. Visit our Car Insurance Directory.

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Sunday, November 29, 2009

Compare the Comparison - Comparison Sites

A place where you can compare the difference in price of hundreds of products, including mortgages, credit cards and most types of insurance; the price comparison market, all you have to do is enter some details about yourself and you're away. This type of website has become more and more popular over the last few years. YouGov recently carried out a poll which showed comparison sites were used by 45% of people in this poll in the last year.

Due to companies jumping on this bandwagon and making the most of the high volume of traffic these sites can bring, there are huge amounts of these sites and a lot of competition. So now consumers waste even more time looking for the best deal because they actually have to compare the comparison sites! To add to the hassle comparison websites have had the finger pointed at them for misusing data given to them by the customer when using these websites. There have been a number of allegations made, including pestering customers to choose the deals that earn the employees of that comparison company the most money on commission, selling 3rd party data (customer phone numbers and details) and constant calls to individuals.

An independent policy and research firm, the Resolution Foundation, who deal especially with those on low and moderate incomes and how they fare in the economy of today, want comparison sites to have a voluntary code of practice.

Along side the aforementioned problems, there are fundamental issues with the websites. The Resolution Foundation say quite often details of the consumers are asked for unnecessarily and also that there is terminology on the sites that is not explained, meaning the customers are left to guess and quite often confused by this.

The other thing that has come to light via the Resolution Foundation investigations is that these comparison websites are acting independently of each other and aren't governed under one umbrella, making the voluntary code of practice even more necessary. Coupling with this, there is no clarity or transparency when showing the customer what the deal is between the comparison website and the product providers. This is dangerous because there is a risk of misleading consumers, as there may be biased interest towards one of the products. This comes in to play most obviously, when there are features like "best buys" and "editor's choices", which can easily be misread by customers as being best value products, but all they are is sponsored links.

"Comparison sites are valuable in making informed financial decisions, but many sites are undermined by a lack of transparency about their commercial relationships." commented Clive Cowdery, Resolution Foundation chairman.

Cowdery went on, "A voluntary code of practice would address this and encourage a growing market, without the need for further regulation,"

Fortunately, the problems mentioned so far are not necessarily typical of all comparison websites. AsRecommended, who are traditionally a magazine based comparison company, who have recently added the online sector to their arsenal is a very good example of a company which prides itself on honesty, as well as being a very good comparison website. Ben Allan, the Managing Director, responded with the following when asked about the voluntary code, "Users of comparison sites will benefit hugely from the code of practice and they will in turn have more confidence in our will offer consumers and users of price comparison websites greater confidence in comparison services. We are obviously going to be more for it because we know our services will meet the requirements the guidelines require, but some other companies may not be so accommodating at first"

In conclusion, what comes out of this is that consumers are focal point and are the most important part of this set up. If consumers are happy and feel they are getting a good deal and an honest comparison, then they will return; if this does not happen then this age of websites will cease to exist.

I recommend the following websites to learn more on online insurance and comparison sites for information around this subject.

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Friday, November 27, 2009

How Can I Find Cheap Car Insurance?

Times are hard and everyone is looking for a way to save money. And, for many of us, car insurance is a hefty expense, particularly if we own more than one vehicle. There are ways to find cheap car insurance and ways to reduce the cost on car insurance you already have. Here are a few tips to help you sort out the right car insurance for you.

If you're interested in finding reducing the cost of your car insurance by changing insurance carriers, take a look at those which advertise that they specialize in providing minimum car insurance requirements at the lowest prices. These companies help to find you the lowest cost on simple liability insurance - the coverage that most states require you to have. Their rates on collision, comprehensive and other "optional" types of insurance may or may not be any lower than other agencies, since their specialty is cheap car insurance for those who want the minimum coverage.

If, however, you're like most people and you want to save money on your car insurance but you also want full coverage, you should start by talking to your current insurance agent. In any economy, it's wise to review your insurance coverage and rates every few years so that you can ensure that your insurance coverage changes as your life and needs change. Reviewing your coverage regularly will also help see to it that you're getting all the discounts to which you're entitled.

For example, most car insurance companies offer multi-line discounts for people with more than one vehicle. The more cars you have insured, the bigger your discount. However, if you just add those cars without ever alerting your agent to the fact that you now have several cars insured with his company, you may never have the discount applied.

In addition to sitting down with your current agent to review your coverage, you may also want to shop around with other companies to see what rates they might offer you. Be certain to compare companies fairly, however, since minor differences in coverage can also change the rates.

If you're really strapped for cash, one of the ways to make sure your insurance is more affordable is to reduce your coverage. For example, you may choose to drop your collision coverage or drop or reduce your medical payments coverage. You can also switch to a higher deductible to reduce your monthly premiums.

Reducing coverage is a quick way to save cash, but there's a risk involved. You must also consider the consequences reduced coverage will have in the event of an accident. If you drop your collision coverage, can you afford the down payment on a new car if yours is totaled in an accident? Keep in mind that if you decide to reduce your coverage while you're financially strapped, you can always add the coverage back when your finances are back on track.

There are lots of things to consider when shopping for car insurance. Of course, we all want cheap car insurance, but we also need to have enough coverage to protect us. For more information about finding great car insurance rates, visit

Barry Brenner is a licensed car insurance agent specializing in low cost insurance.

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Thursday, November 26, 2009

How to Find Cheap Car Insurance Rates For a New Young Driver

Is it possible to find cheap car insurance rates for a new driver? However young the driver it is certainly possible to find cheap auto insurance rates if one is simply willing to do their homework. As a new driver, finding a cheap car insurance policy should be your first priority. To begin, it is the law. In every state in the United States, the Department of Motor Vehicles (DMV) requires drivers to be covered by a car insurance policy (although some states allow you to skip purchasing coverage if you are willing to pay an annual fee to the state). The idea of car insurance is that it protects you if you cause damage to property or bodily harm to another person when driving your car. If caught by the (DMV) without car insurance, you can be charged hundreds of dollars in fines or even have your license suspended if you are involved in an accident.

So obviously, it is important and necessary to have car insurance. The first step as a new driver is to work with your parents to determine if they will pay the monthly premiums, if you will help by contributing a certain amount, or if you will pay the amount each month yourself. A lot of parents feel that if their teens pay for part or all of their car insurance, it teaches them responsibility in exchange for the privilege of using the parents' car, or vice versa.

The first step in shopping for car insurance is to set a budget of how much you and/or your parents are able to pay each month. Once you know a monetary amount, you can best determine how much and what type of insurance you need. The type of policy coverage required varies from state to state, so it's important to research this when shopping for car insurance. Once you figure out what extra coverages you may want to add on, such as comprehensive, collision, or emergency roadside assistance, you can determine deductible amounts according to your budget.

Once you know what type of insurance and the amount of coverage you are looking for, you can start researching different insurance companies. To begin, it is best to review insurance company ratings online, which show the financial strength of these companies and their ability to pay claims. It's also important to keep in mind that insurance companies may use you or your parents' credit score in order to determine your rate amount. At this point, you can most likely narrow it down to several car insurance companies of interest. Now you can call them or visit their websites to determine which company can give you the best, competitive rate with the coverage you need included. A good tip is to mention that you have a few other companies in mind as well, so they can hopefully give you the best deal possible.

After searching and reviewing several car insurance companies and a variety of plans and coverage amounts, you should have been able to narrow down the best plan for you with the most reasonable price tag. It is essential to make sure you fully understand all aspects of your insurance plan and how the policy will work for you by reading attached documentation you received when you choose the car insurance company's plan. It is also helpful to know what to do in case of an accident and how to file an insurance claim, so you won't be caught off-guard if something happens to you.

Since cost-efficiency is often a high-priority aspect, it's important to know about ways to save money on your insurance rate or reduce your monthly premium amounts. Many car insurance companies offer "good student discounts" to young drivers who prove their good grades or GPA by sending in a copy of their school transcript. This is an incentive to work hard in school in exchange for the reward of lower-cost car insurance. Some insurance companies also may offer a reduced rate for customers who have taken an approved Safe Driver or Defensive Driving course. These are ways to further your personal driving education while saving money. As you remain a customer of a car insurance company, if you are accident free for a certain period of time, you may be eligible for discounts as well.

As a new driver, it is essential to be educated on the types of coverage and plan options. It also pays to "do your homework," in more ways than one. First, research different car insurance companies in order to find the one that provides the best car insurance coverage for the most reasonable rate. Also, it pays to be a good student in many cases, by way of the "good student discounts" that many companies offer. Being a safe, cautious driver and avoiding speeding tickets, a lot of claims, or accidents will also help you have the most cost-effective monthly car insurance rate.

Just because you need car insurance for a young driver does not mean that you should have to forgo finding a cheap auto insurance policy. Spending just a few moments comparing rates from top companies could save you $100's or even $1,000's over the course of the next 12 months. Get started comparison shopping cheap car insurance quotes from top companies now!

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Tuesday, November 10, 2009

Cheap Car Insurance for Young Drivers

Children seem to be in an ever increasing hurry to grow up these days. One likely reason is because they get to drive. To a teenager nothing seems more exciting and grown-up than getting behind the wheel of a car and taking to the road on their own. For most parents, they wish that the child would have stayed younger a little longer. One reason for this wish is the price of car insurance. There are ways to find cheap car insurance for young drivers though.

If the child is of college age and is living on campus that actually may work in their favor when it comes to car insurance. Some companies offer a percentage discount if the child is away from home for a portion of the year. Obviously this only applies to kids who are listed as a driver on their parents’ vehicles. Good grades also may be rewarded with a reduction in premiums. This is a great impetus for the student to try their best in school.

For young drivers who own their own cars there are a few hints to help lower the costs too. One is to list their parent as an occasional driver on the car. Another great discount for children who already have their own health insurance policy is to ask that company about possible car insurance. Many insurance companies will offer a multiple policy reduction.

Finally it’s worth noting the price of car insurance before purchasing a car. Most young drivers have a very specific car or truck in mind and they buy it before even inquiring about how much it will cost to insure. It’s a better approach to get quotes on how much the insurance will be before finalizing the sale. Young drivers need to make certain they can afford both the car payments and the cost of their premiums.

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Sunday, November 8, 2009

Guide to Cheap Car Insurance for Young Drivers by Chris Robertson

As a parent whose teenager has just passed the drivers license test, you might be wondering if it's possible to find cheap car insurance for young drivers. While it might be difficult to find insurance as cheap as your own, there are some steps you can take to ensure the best possible rate.

Encourage Drivers Education

The first step to getting a more affordable rate is to encourage your new, young driver to take a drivers education class. Most high schools offer this class as an elective. Drivers Education teaches new drivers all the rules of the road as well as defensive driving techniques with hands-on experience. can try to teach your teen to drive on your own, but Drivers Ed instructors are trained and experienced in teaching teens to drive. Insurance companies favor teen drivers who have successfully completed a defensive driving course. This can help lower your teen's car insurance right from the start.

Emphasize Laws of the Road

Make sure you teen driver understands the laws of the road and how serious the penalties can be for breaking the law. Teens tend to think that "just a little speeding" won't hurt or some young drivers may not pay attention to proper signaling or stopping all the way for traffic lights and stop signs. Your teen should understand that penalties can be stiff for teen drivers who break the law, and that every negative item that reaches his/her driving record will also affect their insurance premiums. Some insurance companies will cancel a policy if they feel a teen driver is demonstrating reckless behavior while driving. This means your teen may have to wait several years before re-applying for car insurance. So the best way to get cheap car insurance for young drivers and to keep it affordable is he/she must be a safe driver.

Add Your Teen Driver to Your Own Insurance Policy

Instead of opening a new policy for your teenager, add them to your policy as an additional driver if you are the primary driver of the vehicle. Your discounts will be applied to their policy, thus, making their premium much cheaper for starters. Check with your insurance company about driving with a beginner's permit. Most teen drivers using a permit are automatically covered under the parent's policy.

Avoid Sports Cars

Sports cars can ruin parents' chances of getting cheap car insurance for young drivers. Most car insurance companies frown upon sports cars, especially for teens. Rates are exceptionally higher for sporty cars, even if your child is a safe driver. Explain to your teen the added costs of owning a sports car and how it will affect all other household finances. On the other hand, buy a car for your teen that's affordable and with the latest safety features if possible. Certain safety features can also help lower your teen's insurance premium.

Encourage Good Grades

Some auto insurance companies reward students who consistently get good grades or have a high GPA (grade point average). These rewards come in the form of discounts on their auto insurance. Getting good grades often reveals a teen's character in other areas of life, including driving! Insurance companies realize this fact and offer discounts to those students who "make the grade." You can even encourage continued academic success by giving the money saved through discounts on insurance to your child each month or quarterly. Surely your teen would like a $50-$100 bonus on their allowance for spending money!

Shop Specifically for Cheap Car Insurance

Cheap car insurance for young drivers can be found more quickly using the Web. If shopping for new insurance for your teen, use car insurance comparison websites to see what various companies have to offer. Check out their financial rating and Better Business Bureau status. Also, compare the types of coverage offered for your teen driver and the premium amount for different coverage. Some car insurance agencies specialize in young drivers, so these might offer more discounts than your current insurer.

Make the most of your teen's early driving years with coverage you can depend on and afford. Check out online sites today to find a reputable company that offers cheap car insurance for young drivers. You'll never regret taking these steps!

Sunday, November 1, 2009

Cheap Car Insurance in Seattle, Washington

One disadvantage of living in Seattle, Washington has to do with car insurance. In this state the average car insurance rates are actually not just determined by an individual driver’s past behavior on the road, but by all drivers’ behavior. Typically insurance companies in Seattle, Washington set rates by tallying up all the insurance costs for the past year and then they divvy them up by the number of drivers on the roads. Naturally someone with a stellar driving record will still pay less than the person who seems to be an endless source of accidents, but the two factors do play into one another to determine rates.

Although there’s nothing anyone can do about the way other’s drive, there are some steps they can take to help improve their chances of getting cheap car insurance in Seattle, Washington. Some of these helpful hints include:

• Driving an older vehicle until you’ve established yourself as a good driver. Many insurance companies penalize young drivers, particularly young men. This fact added to the value of a new vehicle can equal very large insurance costs. For this reason it’s often preferable for young people to drive older vehicles until they’ve proven their ability behind the wheel.

• Not purchasing comprehensive coverage. Many motorists, particularly those not driving very many miles a year, and those driving older cars and trucks don’t need the coverage that a comprehensive policy offers. They should carefully weigh the benefit of the policy versus the cost of the premiums.

• Taking a driving course as you mature. Many older individuals face higher insurance costs because they are perceived as being high risk drivers. When someone in this age range takes a mature driving course they can often experience a drop in their car insurance rates.

Even if you receive a few high quotes when you begin your search for cheap car insurance in Seattle, Washington, don’t be discouraged. Prices can fluctuate from company to company and you are sure to find a rate you can afford that includes all the coverage you need.

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Friday, October 30, 2009

Want The Best Car Insurance For Convicted Drivers - Find The Right Package

The goal of this short article is to help you lower the costs of your cover. Many techniques are available to help reduce your car insurance for convicted drivers costs. Most are straight forward and can be applied at quotations stage although other methods take place over a longer period and take some time to reduce the price of your cover. Not every method given will be relevant for you, however if you are looking for car insurance for convicted drivers lots of ideas and techniques are given to help you reduce the costs with your insurer.

Topics that the article will investigate are how to pay for your premium, third party fire and theft and comprehensive policies, advanced driving discounts plus much more.

Helper 1 Upgrade your licence ! You may also get a premium reduction of your car insurance for convicted drivers by enrolling on an advanced driving course. One which is good for young drivers and new first time drivers is the pass plus. Many insurers now offer an introductory discount of 30% for people with the pass plus. Topics the course covers are all weather driving, driving on dual carriage ways and driving out of town. Lots of other advanced driving courses are available such as Rospa, IAM, and Diamond.

Helper 2 Low engine cars are cheaper - Big engines are harder to control and cost more to replace so driving a car of this kind costs more to insure. A definite way to reduce the costs of your car insurance for convicted drivers is to find a cheap small car.

Helper 3 Don't accept the first quote ! Each year when you get your renewal always look around for cheaper prices. Try and compare at least 5 insurance brokers or direct companies. Price comparison sites can be used to pick the most competitive brokers or direct insurers. Although price is important so are other factors it is important to write the features down and compare them along with the prices.

Helper 4 Naming insured drivers The costs of naming a driver that is not your common law partner or spouse varies between 10 to 20 percent. Costs vary but for younger drivers costs will be significantly more. Therefore only name those that will drive your motor vehicle. If the driver you need to name has driving any other cars extension then they can drive you car third party only on their own policy. Depending on the value of your vehicle third party cover may be satisfactory or not. Instead of naming a driver permanently you can add them temporarily part way through your insurance year.

Helper 5 What about payments ! The best way to pay for your car insurance is to pay with a one off payment. Nearly all insurance providers make extra money on car insurance for convicted drivers by charging high interest rates for instalments. If making payment in full is not possible putting the amount on a credit card could be cheaper. In most cases the APR on the credit card is less than that of the insurance provider.

Now what ?

Once you have completed the suitable tips from above read on. For car insurance for convicted drivers we recommend you visit this site Young Convicted Drivers Car Insurance

Damian is the owner of many finance related websites. Including mortgage, loans and debt advice. For more information visit

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Tuesday, October 27, 2009

How to Get Cheap Car Insurance for Lady Drivers!

Here's something you may not know! There is a very good chance that the car insurance rate you are paying right now is a direct result of your gender. Sometimes your gender will play a very significant role in the rate that you are quoted for car insurance. When it comes to car insurance rates, women drivers tend to pay cheaper premiums than men. This is because statistically speaking, women drivers tend to be more reliable drivers in general, who drive vehicles which a re safer, and who tend to file significantly less insurance claims. Not all women drivers are better than men when it comes to driving, but many car insurance companies are picking up on what the statistics are saying, and are adjusting their rates accordingly. This is a common practice for insurance companies both in the United States and in the United Kingdom as well. In fact, in the United Kingdom there are agencies which exist solely to find low cost insurance options for women drivers. Many of these agencies can be found simply by doing a basic search on the internet. Cheap car insurance for lady drivers is typically fairly easy to find, provided that you qualify for the insurance that you are applying for.

Car insurance companies have spent many years doing research on data pertaining to men and women drivers, and many of the findings have pointed directly toward the idea that women drivers are simply safer and more reliable drivers than men are. For example, women drivers do not appear to be involved in near as many accidents as men drivers are, and when they are involved in accidents the amount of damage involved is typically significantly less. This may be because they are more cautious in general, or it may have to do with the fact that they choose safer cars in general. Additionally, women drivers are much more likely to pass their driver's license exam on the first try, which is not nearly as typical for male drivers. This has nothing to do with the fact that one gender is more intelligent than the other, and is likely because women take the initiative to spend more time practicing and studying before the exam.

These statistics have led car insurance companies to re-evaluate the way that they offer car insurance premiums to female drivers. As a result, insurance providers are much more likely to offer cheaper car insurance premiums to women drivers than to men. So women are not being offered cheaper rates simply because they are women -- They are being offered these rates because the statistics show that it would not be a dangerous bet to offer a lower rate to a safer driver. It has nothing to do with the fact that car insurance companies tend to favor women, or because car insurance companies have been led to believe that gender has anything to do with actual driving skills. All it means is that the statistics have shown that women driver tends to be safer and much more cautious than a male driver, which makes them a safer bet when it comes to automobile insurance risk.

Though women drivers may get lower car insurance rates than men, they are still subjected to all of the exact same criteria when it comes to determining whether or not they will be approved for car insurance, and what quote will be offered to them. All of the following criteria play a part in determining whether or not you will qualify for cheap car insurance.

• The driving record and driving history of the policyholder, and anyone else that will be driving the vehicle.

• The location where the policyholder lives, and where the car will be parked.

• Details about the vehicle, including the make, model and year. Additionally, the vehicle will typically have to pass a safety inspection or at least appear to be in safe working order.

• The credit score and history for the policyholder. Credit history plays a part in whether or not car insurance is awarded in order to insure that insurance is only granted to responsible persons who can handle the monthly premium payments.

• The age and experience of the driver and the policyholder also play a part in the decision. On one hand, many young drivers can acquire special deals and discounts on their insurance policies because they are new to driving, but some insurance policies tend to charge more instead because new and inexperienced drivers are more prone to having accidents or incurring traffic violations which can negatively affect their premiums.

In order to make it easier to find cheap car insurance for lady drivers, it is necessary to practice all of the following:

• Safe driving habits.

• Driving vehicles which are known to be safe.

• Parking or storing vehicles in locations which are safe.

• Paying attention to their driving records and making improvements whenever it is possible.

• Paying attention to their credit scores and reports and making improvements whenever it is possible.

The statistics that have led car insurance companies to offer cheaper premiums to women drivers were never meant to be sexist or discriminatory, but they have done a lot to help women drivers secure car insurance premiums which are inexpensive. This does not mean that men cannot turn around and secure car insurance rates that are just as affordable, but it is generally a lot easier for a female to find the cheap rates than for a male to. Hopefully the rising costs of car insurance premiums will urge more male drivers to take up safe driving habits or to drive cars which are safer in general. If men drove as cautiously as women drivers do, their car insurance premiums would likely be just as inexpensive.

For more information about Cheap Car Insurance for Lady Drivers visit http://www.InsuranceSalesman.comwhere we also have comprehensive guides to Buying Car Insurance with Bad Credit and Cheap Auto Insurance in Texas

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Monday, October 19, 2009

Cheap Car Insurance in NC

The premium you pay for your car insurance in NC is dependent upon several factors, including your age, gender, driving record, traffic ticket and violation history, your living location, the kind of car you are insuring, and the insurance company from which you purchase your car insurance in NC.

A few of these factors can’t be changed; some can be altered in time. However, despite all of these factors, the amount of car insurance in NC you purchase is always going to have an effect on the cost of your car insurance premiums. Therefore, if you’re looking for cheap car insurance in NC, it would make sense to purchase NC’s minimum car insurance requirements, wouldn’t it?

The minimum car insurance requirements for NC are as follows:

$25,000 for coverage of property damage

$30,000 for coverage of the bodily injury of one person

$60,000 for coverage of the bodily injury of two or more persons

Purchasing merely the minimum car insurance requirements in NC isn’t recommended, and not always allowed if your vehicle isn’t fully paid for.

Yet, if your car is completely paid for, and you’re in a situation in which you’ve just graduated and entered the workforce or you’ve just left the workforce and gone back to school, money may be tight. You must have at least the minimum car insurance requirements in NC, so you’ll want your car insurance to be as cheap as possible. In these cases, getting cheap car insurance in NC may be dependent upon purchasing just the minimum car insurance requirements. Seriously consider purchasing more car insurance once you’re financially able.

For more discounts to get cheap car insurance in NC, check out NC’s insurance department, or talk with the car insurance agency from which you plan to purchase your car insurance policy. Many insurance agencies offer discounts for purchasing multiple policies, good driving records, and even adding addition cars to the insurance policy.

Friday, October 9, 2009

Tips on How To Find Cheap Car Insurance

There are a number of ways that a teen driver can go about getting cheap car insurance. It is important to realize that there is actually a lot of variance when it comes to car insurance prices and costs. This is because the insurance is based on several variables and is comprised of various components that take those variables into account. Finding cheap motor insurance is partially dependent on how the vehicle is operated, the safety of the vehicle, the distance the vehicle will be driven, and the safety of the driver in general.

Operating a motor vehicle is certainly an aspect of life that many teens are excited about. Teen girls and boys are enthralled at the notion of hopping behind the wheel of a car and getting their driver's licenses as soon as possible. This philosophy, however, has implications for the insurance of the driver and can mean a lot when it comes to getting cheap car insurance for a teen. Teens operating a motor vehicle need to realize that the rates that they will get from an insurance company have an awful lot to do with their driving record.

Teen drivers are more prone to having higher car insurance rates because of the relatively high rate of accidents and incidents involving teen drivers. Finding cheap vehicle insurance for a teen can be a daunting task because the deck is virtually stacked against the particular age group because of the norm in driving incidents. For this reason, motor insurance companies offer premiums to drivers that continue to drive without incident or accident. Various programs are in place to enable teen drivers to work on incentive programs that reward good driving with better insurance rates.

If a teen drives without speeding tickets, traffic violations or accidents, the rates for motor insurance should function in their favor. The premiums will inevitably go lower when the insurance companies realize that they can offer cheap car insurance for the teen driver on the premise that the driver is operating safely. Cheap car insurance is a result of having a good driving record, a quality insurance company, and the right variables in place for specific operation of the motor vehicle.

There is also the issue of rating classes in terms of cars. Most quotes for car insurance also take into account the type of vehicle that is being driven. Cars in the sports-class, for example, rate higher and are not as likely to garner cheap car insurance because of the ultimate danger in driving a faster, sportier car. Buying a teen a sports car for their sixteenth birthday, then, is not the best of ideas if the goal is to get reasonable quotes for car insurance.

Finding cheap car insurance for a teen can be complex because they are in such a high risk category in terms of insurance providers. These companies are very cautious of supplying their lowest premiums to teen drivers because of the proven association between teens and reckless driving. Instead, getting cheap car insurance for a teen becomes about the other variables and making the car as safe as possible so that the determination of the premium rates can rely on other factors as opposed to the age of the driver.

Terry Bolton likes to publish used car financing and insurance tips. You can go to for advice on how to buy a used car cheap

Friday, October 2, 2009

Aviva Life Insurance Company Review

Aviva Life Insurance Company is a well known life insurance company in the continental United States and all through out the world. This large corporation as we know it started in the year 2000 when CGU and Norwich Union merged together; however, its history traces back to more than 300 years. Ever since that February day in the year 2000, Aviva has been growing at a tremendous rate and it was not until the year 2002 in July that the name Aviva and what the company called the "Aviva Brand Identity" was launched.

Aviva first made moves to enter the global market, by acquiring other firms in the countries of New Zealand, Turkey, Canada, Spain, Italy, Brazil, the United Kingdom and many others. After establishing a presence through out the world and building strong reputation that could result in a good experience in the American market, Aviva decided to buy AmerUS in the year 2006 and strengthen its products in the United States. Because CGU had been active in the United States before 2006 and AmerUS had been active for over one hundred years; Aviva assures its American customers that they have a history in the United States.

Nowadays the company is the fifth largest insurance group in the world and the biggest one in the United Kingdom. Ever since the company was formed it was headquartered in London, England and for them this island part of the European country is a focal point in reaching all of the countries that they have business in. They specialize in insurance products, long-termed services and fund management as listed by their main website. They pride themselves in the flexibility of their products and the excellent services that they offer to customers all around the world and through out the seven continents. All around the world the company employs over 58,000 employees and has over 35 million customers, while in the United States the company has been growing tenaciously and now they pride themselves in having about 32,850 agents that help as many as 1,115,000 customers.

Aviva Life Insurance Company offers only two types of life insurance to residents of New York. Whole Life Insurance and Universal Life Insurance are the only two plans designed for New Yorkers by Aviva, which means that they do not have term life insurance and whoever purchases either of these two types will be covered for life. On the other hand, the rest of the United States has many choices when it comes to life insurance policies. Those choices will be briefly described below. Keep in mind that most of these products came from when the company merged with AmerUS and for this reason the products would be the same for both companies.

Indexed Life Insurance

Universal Life Insurance

Single Premium Life

Indexed Survivor Universal Life

Level Premium Term Insurance

Excess Interest Whole Life Insurance

As you can see Aviva has a big variety of products for the general public and they are very flexible in the options that they give to customers. Although they have a worldwide business an American customer should feel safe with this company. Aviva Life Insurance Company has been breaking the boundaries of the life insurance business and should continue for years to come.

If you think that Aviva life insurance company may be a good choice for your life coverage needs then be sure and speak with a licensed life insurance professional that can help you compare quotes from top companies. Be sure and look up any Aviva life insurance company complaints and check their track record in your state against other top companies. Get started comparing life insurance quotes from multiple companies side by side today at

Monday, September 28, 2009

5 Ways To Save On Auto Insurance For Young People by F. Cheshire

Whether you are the parent of a teenager that is just itching to get their car on the road, or you are a young driver that will e paying for everything yourself, then pay attention to the following secrets to saving on insurance costs. Everyday after school, Bobby would come home and wash his car in the driveway. He cared for his little red firebird like it was his newborn baby. Every square inch was pampered, the chrome shined like a mirror & the tires glistened with armor-all. The funny thing is that Bobby hasn't been able to actually drive his car yet. You see, Bobby made a common mistake that many new drivers make. They make their purchase decisions based on their car payments alone. They spend all of their paycheck on a car payment, without ever thinking about how the insurance will effect their budget. And so there it sits in the driveway like an expensive lawn ornament, until Bobby can afford the insurance payments or would maybe have to end up selling it. How about you? It comes down to this. If you are a new driver, you need to know that your insurance payments will be affected by the following items:

1- What kind of auto will you be getting? What year is it and what model is it? I know that everyone wants a "fun" and "fast" car when they are young. Unfortunately, "fun and fast" cars statistically have more accidents than "boring and safe" cars! If you want a 2 door sports car, then be prepared to pay a lot more than if you would be getting a 4 door minivan.

I know that's not what many of you want to hear, but it's the truth. Here is a money saving suggestion: Before selecting a car to buy, call your insurance agency and ask them to price the 3 autos you are thinking about. The cost of the insurance payments may actually help you to make your mind up about which car to invest in.

Here's a quick story: Recently, a young 18 year old friend of the family told me that had his heart set on an older red BMW 2-door. However, at the last moment he decided on another vehicle. What happened?

It seems, he took this advice I just shared with you. He told me the red BMW insurance monthly premiums were almost twice the cost of the other cars he was looking at. 2- Are you a safe driver? Are you a speed demon and do you view traffic rules as suggestions? If you insist on speeding,running red lights, driving too closely and think nothing of drinking and driving, then prepare to pay a high price for the privilege of an insurance policy.

If there is only one thing that you take away from this article, it should be that the driving habits you develop as a young person will dictate how much you spend on your insurance for the rest of your life. Make it a goal to be a safe driver and you will be glad you did the next time your coverage is renewed.

3- Choose a higher deductible than you normally would. Are you willing to accept the risk of paying for the first $500-$1000 worth of repairs? Then you will have a lower monthly insurance rate then if you chose a zero or a $250 deductible.

This really isn't rocket science... pay more monthly now or take the chance that you won't have to pay it later. 4- Stop making claims on every little nickel & dime repair for your car. Instead of turning in that $75 window chip, why not just pay for it yourself? You'll be glad you did when your policy comes up for renewal. 5- Don't be afraid to ask the insurance agency if any discounts are available for you to take advantage of. Did you know that by taking a drivers education class in school you could save money on your insurance? In fact, additional defensive driver courses are available for you to invest in too. Sure, you will have to pay for these out of pocket, but you will enjoy the discounts forever.

Why not pick up the phone and talk to your insurance company now to find out what additional discounts are available for you? Yes, there are additional things that impact your insurance rates, many of them of which you have little control over. In fact we will discuss these in a future article on our blog. However, as discussed here there are quite a few things that you can control. That is why it is important to educate yourself about the choices you do have. In this way you have the best chance at getting cheap car insurance for young drivers.

Sunday, September 27, 2009

Avoid Some Perilous Steps While Buying Auto Insurance by David Hunter

Most of us would love to save money on almost everything in life. And auto insurance is no different. But decreasing the rate of coverage is simply not a feasible way to save money. There might be people who can cajole you into thinking that getting less coverage would help you increase your bank balance then immediately banish them for being your advisor as they are giving you all the wrong information. Everybody wants to cut down their premium rates but they are not prepared to pay for damages when an accident occurs.

When there is insufficient amount of coverage and no coverage for uninsured motorist then at the event of an accident you have to pay for the damages. Reducing the coverage rate is just like getting involved in a gamble. The stakes of losing are equally high. For example you have a friend who coaxes you into reducing the coverage rate, as he did the same and saved a lot of money. By following his footsteps you take a policy which has no coverage for collision and hence it is cheap. But due to an unfortunate accident your car gets hit in a pole, and then the amount of money required for repairing or rather buying a new car will be much more than the amount of coverage in your auto insurance policy. So in a bid to save few hundred dollars, you end up losing thousands of dollars. You can end up spending excessive amount of money instead of saving them, when you reduce your coverage for a low premium. While buying an auto insurance policy you should choose a coverage amount which will reduce the loss to a maximum level.

But consumers do not need to lose hearts as there are many ways through which you can save money on your auto insurance policy without reducing your coverage. Insurance companies provide different type of discounts, so you just need to find out about the discounts for which you will be eligible. Different rates can be demanded by different company for the same type of coverage. A proper study about the rate of policies provided by companies can help you choose a policy which is the cheapest and gives you the required coverage. It is necessary to have uninsured motorist coverage on your auto insurance scheme, as there are many people who drive without insurance and an accident involving them will give you compensation for all types of damages.

A wide range of options is available at Wawanesa Insurance. You can get coverage tailored to your needs.

Wednesday, September 23, 2009

Some Of The Best Ways To Find Cheap Car Insurance

Finding cheap car insurance can sometimes be a pain, but putting some effort into locating the best and cheapest auto deal for you can be well worth your time. While shopping for the cheapest brand of toilet paper or dog food might only save you a few pennies here and there, investing some time in seeking out cheap car insurance can help you make significant savings. Here are some top tips to make finding cheap auto insurance easy.

Whether you are a first time car owner, or are renewing your insurance, it pays to shop around for the cheapest deals before you commit yourself to anything. Always do your homework before signing up: the company that might have offered your best friend a great deal might not be right for you. Insurance deals are offered according to the answers you give to the questions the company asks, and different companies may just ask different questions. If one company considers your young age a liability, for example, there will be one that won’t, and if you aren’t getting the financial credit you deserve for maintaining a clean license, then you need to look around until you find the car insurance company that offers you the deal you deserve. Shopping around for deals allows you to find the company that appreciates what you bring to the driving experience.

Sometimes it’s not the insurance company preventing you from finding the cheapest deal – the problem might just be the car you’re driving. While the insurance rate for the same car will differ from company to company, it makes sense that a larger, more powerful car will demand a higher premium across the board. The ABI (Association of British Insurers) groups cars into twenty different groups, and generally speaking, the higher the group your car belongs to, the higher the insurance premium you can expect to pay. You car might be your baby, but when a lower group car can offer significant savings on insurance, you might just find your affections equally aroused by a slightly less demanding model.

If it’s not your car or your insurance company that are responsible for an insurance premium that’s higher than you’d like, you might just find that cheaper auto insurance can be found in the type of insurance package you choose. Third party only insurance offers the minimum coverage for your car – not just legally, but also in terms of cost. This type of insurance will cover the damage to a third party vehicle in the event of an accident, but not any damage to your own, so this type of insurance deal is ideal for those who have already downsized their vehicle. If your car is cheap and cheerful, replacing it after accidental damage occurs will probably work out cheaper in the long run anyway.

So if you are looking for cheaper car insurance, remember the three Cs that will help you find the best deal for your money: company, car and coverage. Do your homework and shop around for the best type of each for you, and you’ll be sure to make big money savings.

To find out more about Cheap Car Insurance visit Peter's Website Good Cheap Car Insurance at and find out about Car Insurance Discounts and more about cheap car insurance.

Friday, September 18, 2009

Auto Insurance - Auto Insurance And Cheap Car Insurance Quotes In Minutes

Are licensed independent insurance agent required to have an physical agency location to sell for ins carriers
I'm a Florida 220 General Lines Licensed Agent.

I'm seeking to offer a simpler way of shopping for auto insurance by providing the cheapest auto insurance quotes from top 15 insurance companies to consumers via my website.

The completion of the application will take less than five minutes. We will match the consumers application to all affiliated insurance companies. Then our system will show the lowest rates out of those fifteen for you. After you compare car insurance rates you will be given the option to purchase a low cost policy online.

I would like to get set up with the following insurance companies: Progressive, GEICO, AIG, Arrowhead, Electric, Encompass, Esurance, The Hartford, Liberty Mutual, MetLife, Permanent General, Safeco, Travelers, and Unitrin.

By comparing rates from a broad list of companies we'll improve the consumers chances of purchasing the cheapest insurance.

Sure you need an address, but most don't care if you're working out of your house or not.

You sound like you need to write a business plan (try and as starting resources). There are other companies that already do this (not the least of which is Progressive that sells a different contracts online than through the brokerage system), so the section about competition and marketing will be critical. You should also either be realistic about the cost of the site creation, data management, CRM, and so on, or you need to have the skills to program and maintain the whole thing yourself.

If there are package deals where you can just subscribe to a quoting system and pick a template to wrap around it with your company name, this is a clear indication that the bones of the business are not unique. If that's the case, can you do your own SEO, why would a shopper choose you instead of someone else? what's your unique selling proposition? how are you allocating your advertising budget?

I'm not saying it can't be done, in fact you could be raking money in before too long, but a detailed and researched business plan is your opportunity to work out the wrinkles. Failing miserably because you couldn't track the conversion ratio of each marketing campaign would suck.

Friday, September 11, 2009

Cheap Car Insurance - Related Guidelines For Getting Cheapest Car Insurance

I am sure your quest for cheap car insurance has come to an end as you read this article. Yes, gone are those days when we have to search endlessly for cheap car insurance information or other such information like health insurance oh, car insurance, cheapest vehicle insurance, California low cost auto insurance program, insurance policies or even low cost auto insurance. Even without articles such as this, with the Internet all you have to do is log on and use any of the search engines to find the cheap car insurance information you need.

Lower the coverage company's risk. Using seatbelts, not smoking, and having alarm systems can mean cheap coverage. Ask your agent about any discounts that are available.

Otherwise, saving money on sports cars works in much the same way as saving money on any form of car coverage, be a good driver and keep a clean record. coverage companies love clean records and will reward you with lower costs. Keeping the teenagers out of the driver's seat is always a good idea, you wouldn't want them behind the wheel of your powerful beast anyhow, and given that they are already four times more likely than adults to wrap the car around another object.

Teenage drivers - who also fall into the category of what coverage companies call "new drivers" - tend to pay the highest car coverage premiums of all. Most teens of course, are inexperienced drivers with no lengthy record of safe driving and the higher premiums are in place to cover the increased possibility of an auto accident. Statistics indicate that 16-year old drivers get into accidents almost 10 times more frequently than drivers aged between 30 and 59.

If you have the patience to go through the remainder of this article related to cheap car insurance you will certainly learn one or two things that will prove very helpful to you. Keep right on reading and be well informed about cheap car insurance and other related health insurance coverage quote, cheapest car ins, Missouri insurance car, cheap car hire insurance, auto insurance coverage and motor insurance information.

Finding affordable car coverage for students can be something of a challenge. coverage companies tend to classify students as "higher risk" along with teens and new drivers. Furthermore, of course, most students need all the savings they can possibly get. Unfortunately, car coverage isn't cheap - a typical student pays anywhere from $3,500 to $13,000 in coverage premiums in a year.

Take precautions to theft proof your car. This can affect your risk profile immensely, apart from giving you a general peace of mind. Cars equipped with anti-lock brakes, air bags and automatic seatbelts are also eligible for coverage discounts.

Add your teen driver to your own car coverage policy. There is no reason to purchase a completely separate car coverage policy for your teen driver when you can add him or her to your own car coverage policy. This alone will save you money, and you may even be able to get a multi-policy discount, too. Ask your own car coverage agent.

Get rebates. Some states that allow "rebating". California law, for example, allows agents to rebate part of their commission to you. If you live in a non-rebating state, find a California company online!

Many people forget that they can get more information about any subject matter, be it cheap car insurance information or any other on any of the major search engines like If you need more information about cheap car insurance then head on to Google and search for more information.

For your information, we found that lots of people that were searching for cheap car insurance also searched online for safe auto insurance, Edmonton auto insurance, and even cheap car.

So here is chance to get your free tips on car insurance quotes and in addition to that get basic information on saving money visit budget car insurance

Wednesday, September 2, 2009

Finding Cheap Car Insurance

Probably the biggest mistake that any car driver will make is purchasing the most expensive car insurance only to find that they would have been better off with a cheap car insurance that covers more things than what they just bought. Of course, the more expensive car insurance will seem to be more enticing; much like how luxury cars seem to be in better order than regular street cars. But this is not the case when it comes to insurance and you can get cheap car insurance that will take you a long way. Here are some tips on finding cheap car insurance.


The first thing you want to do when looking for cheap car insurance is compose a list of all the good cheap car insurance companies that you know of or have heard of. Make sure they are the best at what they do by researching a little on cheap car insurance companies. A good list will contain cheap car insurance companies that are both national and local. Make sure that you have more national listings than local so that if you do choose a national company, your cheap car insurance coverage will work for you wherever you are in the country.


The answer is sometimes in the price; make sure that you collect all the quotes from the list of cheap car insurance companies that you just made. Ask for cheap car insurance quotes and compare them with each other. Also compare the coverage that each cheap car insurance company offers.


Once you have made up your mind, go to the cheap car insurance company and state your interest in one of their cheap car insurance policies. In fact, make it cheaper by bargaining with them for a cheap car insurance policy. Usually, it is standard operating procedure for them to state a price higher than originally suggested so try to lower the price by bargaining with them and you will end up with a solid and cheap car insurance policy.

Car insurance can be one of the most significant expenses in your entire budget, and you certainly don't want to overpay for it. On the other hand, you also want to make sure you are getting adequate coverage from your auto insurance. To make sure you are getting the most from your car insurance policies, be sure to visit Low Cost Auto Insurance today.

Sunday, August 30, 2009

Getting a Cheap Car Insurance Quote the Easy Way

The phrase "cheap car insurance" doesn't mean that the insurance provider has a sale on car insurance. It refers to the rates charged by different insurance providers for the insurance that you need for your vehicle. It is illegal to drive a vehicle without such insurance.

Since you do have to pay the annual premium it is in your best interests to shop around and request free cheap car insurance quotes from several providers to determine which policy would be better for you. Many people may be apprehensive about buying car insurance online, but the Internet is the best shopping mall to visit where you can compare the quotes from many different companies.

Whenever you plan to make a major purchase, you shop around for the best price. This is also true of shopping for car insurance. So many consumers do not even realize that they can shop for insurance online and simply pay the price for a policy from an insurance provider in their city or town that they have dealt with for years.

The online sites of insurance providers are secure, which means you don't have to worry about giving out your personal information. Browse the many sites to request a cheap car insurance quote and then compare the quotes at your leisure.

You are not under any obligation to accept the first cheap car insurance quote you receive. The price is not the only factor that you should compare. The main part of any insurance policy is the coverage that you receive. You may be surprised to find an insurance company that will give you the coverage you need for far less than you are already paying.

When you start your search for a discount auto insurance quote determine what your needs in an insurance policy are and start searching for this type of insurance. If you have a new vehicle, then it is a given that you need full coverage. However, this does not necessarily mean that you have complete coverage for your car. This usually refers to collision and comprehensive coverage in case you are in an accident.

You do have to make sure that the policy includes bodily injury to you, your passengers and the people in the other car if you are at fault in the accident. Other features of the policy that you may need to look for include a rental car while yours is being repaired, roadside assistance, replacement cost for total loss of the car and insurance coverage for uninsured drivers or drivers under the age of 25.

If you have other drivers in your household that will be driving your car from time to time, you have to look for a cheap car insurance quote in which you can add these drivers at little or no cost. You may have a teenage son or daughter who has just gotten their driver's license.

They need to be insured in order to take the car and this is one fact that can increase the cost of your insurance. This would be a feature you would be looking at very closely in each cheap car insurance quote you receive.

What may be a cheap car insurance quote to one person may be an expensive one to another. This is because no two insurance policies are alike because of the difference in individual needs in insurance for vehicles.

Sarah Martin is a freelance marketing writer from sunny San Diego, CA. She specializes in finance, business, and the best way to get cheap car insurance. For discount auto insurance quotes as well as health, home, and life insurance quotes, please visit

Friday, August 21, 2009

Cheap Car Insurance in Michigan

According to Michigan’s Department of Labor and Economic Growth, there are a plethora of ways to obtain cheap car insurance in Michigan – most of which apply to any car insurance company in Michigan from which you choose to purchase your cheap car insurance.

The factors to help you get cheap car insurance in Michigan range from past, present, and future actions by you as a driver in Michigan.


You may be eligible for a long-term policyholder discount if you have been with the same cam insurance company for a specific period of time. If you haven’t had any traffic violations or accidents for a specific period of time, you may also get a cheap car insurance rate in Michigan. Also, if you have a degree past high school, or have maintained a certain grade point average for a specific period of time, you may be offered discounts on your Michigan car insurance.


If you belong to an approved organization, currently have a good credit score and credit history, have no youthful drivers on your policy, pay higher deductibles, and have only purchased the minimum collision coverage, you’re likely to get cheap car insurance in Michigan. Other factors include your age and income. Drivers over the age of 65, and drivers of low-income families, are eligible for cheap car insurance in Michigan, too.


If none of the above applies to you, there are changes you can make to get cheap car insurance in Michigan. Consider combining your car insurance policy with an insurance company from which you purchase another insurance policy, such as your homeowner’s insurance policy, or insure more than one vehicle on the same car insurance policy. Practice safer driving, take a driver education course, and work on repairing your credit score. Making sure your car is as safe as possible and always wearing your seatbelt are additional ways to get cheap car insurance in Michigan.