Cheap Car Insurance

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.