By Mark Lyne
Me: "Good Afternoon, how can we help you today?"
Potential Client: "Yeah – hello – I have full coverage car insurance with my current company, and I would like a quote for full coverage with you to see if I can save money on my auto insurance."
Me: "Great! What coverages are you carrying with your current company?"
Potential Client: "I don’t really know, but I think it is the state minimums"
I get this exact phone call or ones similar to it in my agency at least 3 – 4 times each week.
When I receive these calls, I will usually ask what the person is trying to accomplish by getting "full coverage". So far, I have found most believe if they are carrying the "state minimum" coverages, they are fully covered. Additionally, I have found that there are two major categories people fall into when they say "full coverage" and are looking for cheap car insurance:
Category 1 – If I have an accident, any accident, I walk away without any financial consequences at all. I am totally covered no matter what happens.
Category 2 – If somebody hits me and they do not have any insurance or if they do not have enough insurance, I will be covered for any conceivable expense to myself, my passengers, or my property as a result of their mistake.
Category 1 - I want to be covered no matter what happens
In order to answer this type of request, we must first understand that car insurance works with defined policy limits – it is helpful to understand what the numbers we see mean in the policy we purchase.
For example, in Texas, the State minimum required coverage to demonstrate financial responsibility is 20/40/15. We have all seen these numbers over and over again, but you would be surprised how many people have no idea what they mean.
Each number is in thousands and is the maximum coverage you would receive – so 20 means up to $20,000, 40 means up to $40,000, and 15 means up to $15,000. The first number is per person per accident bodily injury number in thousands. The second number is the total bodily injury per accident and the last number is the amount of property damage covered.
Our agency, through the insurance company I am appointed with offers the following levels of bodily injury liability auto coverages for non-commercial personal auto:
20/40
25/50
50/100
100/200
100/300
250/500
500/500
And the following property damage liability auto limits:
15
20
25
40
50
100
Keeping these numbers in mind – Let’s say you are carrying the Texas state minimums of 20/40/15 and that you cause an accident with $10,000 in bodily injury and $18,000 of property damage to a vehicle.
Based on your coverages, your insurance company would pay all of the bodily injury and up to $15,000 for the property damage, you would be responsible for $3,000.
Did you have full coverage?
Let’s take it to the next level with a bad accident (but definitely not the worst) – You cause an accident involving 3 other vehicles besides your own, and there are 2 people in each vehicle. We will use the same numbers as above.
6 people x $10,000 = $60,000
3 vehicles x $18,000 = $54,000
Again, if you are carrying the same coverages as listed above, 4 of the 6 people would be covered by your state minimum policy because everybody was under the $20,000 per person limit, but you maxed out your per accident bodily injury at $40,000, so you would need to take care of $20,000 of bodily injury on your own.
Next, your property damage coverage would pay for $15,000 leaving the remaining $39,000 to you. The total bill to you would be $59,000.
Did you have full coverage?
In order for you to be covered for this accident, as stated – if there is no continued litigation or lawsuits, you would need to be carrying a minimum of a 50/100/100 policy. However, if there was continued litigation or if somebody had died as a result of the accident, you might find yourself needing even more coverage than the 500/500/100 policy would provide.
Bottom line – Depending on the severity of the accident, Full Coverage under Category #1 is Fantasy.
In my next article we will discuss Category #2 – Uninsured / Underinsured Motorist Full Coverage – Fact or Fantasy?
If you are looking for more money saving tips and advice regarding car, home, life, & health insurance, visit Mark's site http://www.QuoteMyAuto.org.
Mark Lyne is a licensed Property & Casualty / Life & Health agent in Texas and has partnered with InsureMe and 2Insure4Less to provide clients with competitive quotes in order to leverage their hard earned insurance dollar as much as possible regardless of which State the client resides in.
Article Source: http://EzineArticles.com/?expert=Mark_Lyne
Thứ Ba, 27 tháng 6, 2006
Thứ Hai, 26 tháng 6, 2006
I Was In An Accident, Will My Car Insurance Rates Go Up?
By A. Chris Tijerina
You were on the phone, got distracted and before you knew it traffic had stopped, giving you no room to stop and you rear end the girl in front of you. Or, let's say you're driving along and a deer jumps out and rams into the side of your door.
Now, let's say you need to file and claim and get your car fixed. But, are your rates going to go up?
In the first case, more than likely they will depending on how much your insurance company pays out to fix both cars and medical bills if anyone was injured.
But, in the second example, since this will be a comprehensive claim your rates should not see an increase at your renewal. Unless you have a long history of hitting deer then the people from PETA will be out to get you. Or if you file a lot of small glass damage claims then your rates could be affected or you may have to pay a higher deductible for comprehensive in which case small glass damage will be less than your deductible and you will pay out of pocket.
Part 2: How long does an accident stay on my record?
Ok, so back to the example where you rear ended someone. We have already established that you are going to see your insurance rates go up. Now, we need to find out how long and how much will they go up.
State insurance boards usually allow insurance companies to charge for a accident for 3 years from the day they started charging for it. Not from the time you got into the accident. You got in the accident in December and your policy runs from October to April. Your rates won't be affected until April of the next year and the surcharge will drop off 3 years from that April.
How much will your rates go up? Are they trying to get back the money they paid out for my claim? You can usually expect a rate increase of between 20-40% on average per six months. They could go up even more if you lose some discounts you were getting, such as a claim free discount.
The increase is not a recoupment of the monies paid out by your insurance company. It is designed to charge you a premium based on the risk, or chance, that you will get into another accident in the next 3 years. You are a higher risk to the insurance company and they are able to charge you for the higher risk you present to them.
If it was based on how much the insurance company paid out then you wouldn't be able to afford it if you totaled out your 2004 Nissan Maxima at $25,000 and you had to pay that back within the 3 year surcharge period. Makes sense? Good, now get off the cell phone!
A. Chris Tijerina has over 3 years of experience in the auto insurance industry and has seen many different people deal with auto insurance related problems. http://www.insurance-for-cars.com answers many of the questions facing drivers today.
Article Source: http://EzineArticles.com/?expert=A._Chris_Tijerina
You were on the phone, got distracted and before you knew it traffic had stopped, giving you no room to stop and you rear end the girl in front of you. Or, let's say you're driving along and a deer jumps out and rams into the side of your door.
Now, let's say you need to file and claim and get your car fixed. But, are your rates going to go up?
In the first case, more than likely they will depending on how much your insurance company pays out to fix both cars and medical bills if anyone was injured.
But, in the second example, since this will be a comprehensive claim your rates should not see an increase at your renewal. Unless you have a long history of hitting deer then the people from PETA will be out to get you. Or if you file a lot of small glass damage claims then your rates could be affected or you may have to pay a higher deductible for comprehensive in which case small glass damage will be less than your deductible and you will pay out of pocket.
Part 2: How long does an accident stay on my record?
Ok, so back to the example where you rear ended someone. We have already established that you are going to see your insurance rates go up. Now, we need to find out how long and how much will they go up.
State insurance boards usually allow insurance companies to charge for a accident for 3 years from the day they started charging for it. Not from the time you got into the accident. You got in the accident in December and your policy runs from October to April. Your rates won't be affected until April of the next year and the surcharge will drop off 3 years from that April.
How much will your rates go up? Are they trying to get back the money they paid out for my claim? You can usually expect a rate increase of between 20-40% on average per six months. They could go up even more if you lose some discounts you were getting, such as a claim free discount.
The increase is not a recoupment of the monies paid out by your insurance company. It is designed to charge you a premium based on the risk, or chance, that you will get into another accident in the next 3 years. You are a higher risk to the insurance company and they are able to charge you for the higher risk you present to them.
If it was based on how much the insurance company paid out then you wouldn't be able to afford it if you totaled out your 2004 Nissan Maxima at $25,000 and you had to pay that back within the 3 year surcharge period. Makes sense? Good, now get off the cell phone!
A. Chris Tijerina has over 3 years of experience in the auto insurance industry and has seen many different people deal with auto insurance related problems. http://www.insurance-for-cars.com answers many of the questions facing drivers today.
Article Source: http://EzineArticles.com/?expert=A._Chris_Tijerina
Japan GT ChampionShip Malaysia 2006
其实我不是一个赛车迷，基本上我不看F1方程式，也不看欧洲的Rally赛。可是我在念书时候看了日本的赛车动画头文字D，深深为其出神入化的技术着迷，也从此认识了一些日本街头跑车，绝对不象F1等纯粹能够在跑道上追风的那种，而是能够驾上街头拉风的霸气跑车。所以就算我不喜欢看赛车，我并不抗拒日本GT，在同事的怂恿下也就买票去看GT赛车了，当然很大部分原因是我想尝试拍摄赛车运动。
日本GT赛车是日本境内的一等一赛车盛事，马来西亚是唯一在日本境外有幸举办其中一个回合的国家。决赛开始前所有车队的GT Queen列队出场，和车手们各自站在跑道上的赛车前，旗帜和观众的喧闹声次起彼落，跑道上布满人群，拍照的摄记采访的记者进行最后赛车检查的技术人员展示迷人笑容的GT Queen沸腾的观众大家各自其司。我从远处观望，似乎看见东瀛本土的赛事时更胜的喧哗更沸腾的情绪。
技术性的东西我也不懂，这次盛事我印象最深刻的不过是不同车队赛车上艳丽的贴纸，和震耳欲聋的引擎怒吼声。最后是谁赢了我也不在乎，GT Queen的笑容依然甜美，NSX,Ferrari,Porche,RX-7,nismo Z等等赛车的美丽身影依然迷人。也许这些我通通会忘记，但体验过的经历将会被召唤。
第一名至第五名：
Chủ Nhật, 25 tháng 6, 2006
Thứ Bảy, 24 tháng 6, 2006
Free Money Saving Auto Insurance Tips
By Tim Gorman
Our money saving auto insurance tips were written for one reason - To Save You Money on your next auto insurance policy. Since in most states you are required by law to purchase a minimum amount of liability coverage we've looked for ways to save you money. Additionally many people want more than just the bare minimum in order to provide themselves with adequate protection.
The top two biggest money saving auto insurance tips are to first shop around. There are numerous providers of insurance and generally speaking you can save a great deal of money on your policy if you take the time to find the right provider.
The second biggest tip to lower your rates is to simply raise your deductable. In some cases you can reduce your annual premium by 10 percent or more if you increase your deductible by a few hundred dollars. USE CAUTION HERE: You want to make sure you can actually afford the amount that you raise your deductible to or you're no better off then before.
Additional tips include eliminating certain types of coverage from your current policy and reducing the amount of coverage you currently have. Generally this is up to each individual based on thier needs, wants and desires. You may want to consult an insurance agent before making any drastic changes to your current policy.
Other factors raising the cost of your policy include the amount of mileage you drive annually and the type of vehicle you own and operate.
Did you also know that where you live can determine rates and keeping your car in a garage can lower your rates. Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.
If you have multiple cars and drivers then you could qualify for a multifamily discount. Sometimes your children's insurance premium can be lowered based on their school grade point average.
Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.
Finally try using an anti-theft device. This helps to reduce your insurance cost.
Thanks for taking the time to read our money saving auto insurance tips. We hope our free tips and save you some of your hard earned cash.
Timothy Gorman provides more insurance information and free money saving insurance quotes that you can research in you pajamas on his website: Best Free Insurance Quotes.
Article Source: http://EzineArticles.com/?expert=Tim_Gorman
Our money saving auto insurance tips were written for one reason - To Save You Money on your next auto insurance policy. Since in most states you are required by law to purchase a minimum amount of liability coverage we've looked for ways to save you money. Additionally many people want more than just the bare minimum in order to provide themselves with adequate protection.
The top two biggest money saving auto insurance tips are to first shop around. There are numerous providers of insurance and generally speaking you can save a great deal of money on your policy if you take the time to find the right provider.
The second biggest tip to lower your rates is to simply raise your deductable. In some cases you can reduce your annual premium by 10 percent or more if you increase your deductible by a few hundred dollars. USE CAUTION HERE: You want to make sure you can actually afford the amount that you raise your deductible to or you're no better off then before.
Additional tips include eliminating certain types of coverage from your current policy and reducing the amount of coverage you currently have. Generally this is up to each individual based on thier needs, wants and desires. You may want to consult an insurance agent before making any drastic changes to your current policy.
Other factors raising the cost of your policy include the amount of mileage you drive annually and the type of vehicle you own and operate.
Did you also know that where you live can determine rates and keeping your car in a garage can lower your rates. Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.
If you have multiple cars and drivers then you could qualify for a multifamily discount. Sometimes your children's insurance premium can be lowered based on their school grade point average.
Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.
Finally try using an anti-theft device. This helps to reduce your insurance cost.
Thanks for taking the time to read our money saving auto insurance tips. We hope our free tips and save you some of your hard earned cash.
Timothy Gorman provides more insurance information and free money saving insurance quotes that you can research in you pajamas on his website: Best Free Insurance Quotes.
Article Source: http://EzineArticles.com/?expert=Tim_Gorman
Thứ Sáu, 23 tháng 6, 2006
Insurance - Understanding Car Insurance
By Michael Russell
Buying car insurance can be a very big expense on the household budget, especially if you have teenage drivers in the family. Add in the fact that every state has different liability requirements and things can get quite confusing pretty quick. It's good to know what is required and what everything in a car insurance policy means. So let's take a quick look at what an auto insurance policy really is.
Liability
This is what protects you in the event you cause an accident and hurt someone else, or damage property. Every state has there own liability requirements. Be sure to check what your individual state requires. Let's take an example of a policy with a liability limit of 100,000/300,000. The first 100,000 is the limit that the policy will pay for any one persons medical expenses. The next figure, 300,000, is the limit the policy will pay for all medical expenses for anyone in the accident.
It is important to note that liability coverage will not pay for any injuries or damage to your own vehicle.
Property Damage
This is the total amount that your insurance policy will pay for property that you damage if it is determined that you caused the damage. Generally, most policies have $100,000 as a property damage limit. You can increase that if you wish to. With the price of cars and property these days, it may be a good idea to increase that limit up to $250,000.
Comprehensive
This insurance coverage pays for damages done to your car. This includes theft, storm damage, fire and vandalism. This coverage will have a deductible attached. The rate for this insurance coverage goes down as the deductible goes up. This coverage will also be required on any loan you may have on the vehicle.
Collision
Collision coverage will pay you for damages down to your own vehicle in the event an accident is deemed to be your fault. If your vehicle is totaled out in an accident the insurance company will pay you the actual cash value of your vehicle. This could be less in some cases than what your vehicle is worth. Collision coverage is also required by finance companies on any loan against your vehicle.
Uninsured / Underinsured Motorist
Uninsured and underinsured motorist coverage will pay you in the event of an accident that is not your fault and the other party has either no insurance coverage, or not enough insurance. No matter what the law states, there will always be those who refuse to carry insurance. That makes having this insurance coverage vitally important.
Optional Coverages
There are many different optional auto insurance coverages that you can purchase on your auto policy. Some of these include emergency road service and rental car coverage. Both of these services can be a big help to you in the event of a claim.
By understanding the various auto insurance coverages you'll be able to determine what exactly you need for your particular situation. In the long run this will help save you money and give you peace of mind.
Michael Russell
Your Independent guide to Insurance
Article Source: http://EzineArticles.com/?expert=Michael_Russell
Buying car insurance can be a very big expense on the household budget, especially if you have teenage drivers in the family. Add in the fact that every state has different liability requirements and things can get quite confusing pretty quick. It's good to know what is required and what everything in a car insurance policy means. So let's take a quick look at what an auto insurance policy really is.
Liability
This is what protects you in the event you cause an accident and hurt someone else, or damage property. Every state has there own liability requirements. Be sure to check what your individual state requires. Let's take an example of a policy with a liability limit of 100,000/300,000. The first 100,000 is the limit that the policy will pay for any one persons medical expenses. The next figure, 300,000, is the limit the policy will pay for all medical expenses for anyone in the accident.
It is important to note that liability coverage will not pay for any injuries or damage to your own vehicle.
Property Damage
This is the total amount that your insurance policy will pay for property that you damage if it is determined that you caused the damage. Generally, most policies have $100,000 as a property damage limit. You can increase that if you wish to. With the price of cars and property these days, it may be a good idea to increase that limit up to $250,000.
Comprehensive
This insurance coverage pays for damages done to your car. This includes theft, storm damage, fire and vandalism. This coverage will have a deductible attached. The rate for this insurance coverage goes down as the deductible goes up. This coverage will also be required on any loan you may have on the vehicle.
Collision
Collision coverage will pay you for damages down to your own vehicle in the event an accident is deemed to be your fault. If your vehicle is totaled out in an accident the insurance company will pay you the actual cash value of your vehicle. This could be less in some cases than what your vehicle is worth. Collision coverage is also required by finance companies on any loan against your vehicle.
Uninsured / Underinsured Motorist
Uninsured and underinsured motorist coverage will pay you in the event of an accident that is not your fault and the other party has either no insurance coverage, or not enough insurance. No matter what the law states, there will always be those who refuse to carry insurance. That makes having this insurance coverage vitally important.
Optional Coverages
There are many different optional auto insurance coverages that you can purchase on your auto policy. Some of these include emergency road service and rental car coverage. Both of these services can be a big help to you in the event of a claim.
By understanding the various auto insurance coverages you'll be able to determine what exactly you need for your particular situation. In the long run this will help save you money and give you peace of mind.
Michael Russell
Your Independent guide to Insurance
Article Source: http://EzineArticles.com/?expert=Michael_Russell
Thứ Năm, 22 tháng 6, 2006
Cheap Car Insurance - 7 Tips To Reduce Your Car Insurance Cost
By Peter Crump
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.
Article Source: http://EzineArticles.com/?expert=Peter_Crump
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.
Article Source: http://EzineArticles.com/?expert=Peter_Crump
Thứ Tư, 21 tháng 6, 2006
Get Cheap Auto Insurance For Your Teen Son
By Sher Matsen
Your son has just obtained his license and with that a new found sense of freedom. Now you ask how to get cheap auto insurance for my son ? Car insurances can vary dramatically in price so read on to learn how to buy car insurance that is affordable for your teen drivers.
Because teens lack driving experience insurers consider them a high risk to insure and thus the premiums assigned are much higher than an adults insurance rates would be. There are a few things you can do to help reduce the rates you pay for your teen drivers.
First you need to stress to them how important it is for them to keep a clean driving record. That means driving safely – no speeding tickets, no traffic violations, and no accidents. Over a period of time there safe driving will be rewarded with lower premiums.
You can also reduce their rates by purchasing insurance with a higher deductible. The higher the deductible is the lower the premium is.
If you are going to be purchasing a vehicle for your teen choose a vehicle that is built well with extra safety features, and do not choose a vehicle that falls into a sports class or higher risk rating class. Be sure to check the class the vehicle falls into.
The graduated licensing laws have come into effect in most states in the USA and some provinces in Canada. The rules will vary from one location to another but the basic underlying philosophy is to restrict new drivers by limiting what their license will allow them to do.
They may be issued a full auto license such as a class 5 but there is usually a letter designation behind it to indicate they are a new driver. These new drivers have nighttime driving restrictions, vehicle occupant restrictions, and a 0 alcohol tolerance restriction to name just a few. They will also be required to take an additional test after a specific period of time to remove them from the new driver programmer.
But you’re still wondering where to get cheap auto insurance for my son? Teenage drivers can dramatically reduce the cost of insurance by purchasing a stand alone policy from an agency that specializes in providing teen insurance. A stand alone policy means they are not added as an additional driver on your insurance but rather carry their own insurance.
These insurance companies reduce their risk for insuring teens by placing certain concessions on the driving habits of them. They may require driving school, no driving after dark, or various other restrictions which allow them to keep the premiums lower for teen drivers.
The statistics for teen drivers aren’t good. A 16 year old driver is 10 times more likely to get into an accident than an adult between the ages of 30 and 59, so you can see why insurance companies are hesitant to provide good rates.
The best thing you can do for your teenager and his or her insurance rates is to teach responsibility and make them accountable. Make them earn your trust for the use of the car, and make them accountable to pay at least a portion of their insurance premiums. They can do this by working a part time job which also breeds maturity, so it’s a win-win all the way.
You and your teenager are thrilled with the new found freedom for both of you. So now you need to do your homework and research teen insurance rates so you can get them on the road. What are you waiting for?
Sher Matsen has been serving customers for over 20 years as a freelance writer and has been offering information and advice to the consumer. To find out how to save on your auto insurance Please visit us at The Auto Center
Article Source: http://EzineArticles.com/?expert=Sher_Matsen
Your son has just obtained his license and with that a new found sense of freedom. Now you ask how to get cheap auto insurance for my son ? Car insurances can vary dramatically in price so read on to learn how to buy car insurance that is affordable for your teen drivers.
Because teens lack driving experience insurers consider them a high risk to insure and thus the premiums assigned are much higher than an adults insurance rates would be. There are a few things you can do to help reduce the rates you pay for your teen drivers.
First you need to stress to them how important it is for them to keep a clean driving record. That means driving safely – no speeding tickets, no traffic violations, and no accidents. Over a period of time there safe driving will be rewarded with lower premiums.
You can also reduce their rates by purchasing insurance with a higher deductible. The higher the deductible is the lower the premium is.
If you are going to be purchasing a vehicle for your teen choose a vehicle that is built well with extra safety features, and do not choose a vehicle that falls into a sports class or higher risk rating class. Be sure to check the class the vehicle falls into.
The graduated licensing laws have come into effect in most states in the USA and some provinces in Canada. The rules will vary from one location to another but the basic underlying philosophy is to restrict new drivers by limiting what their license will allow them to do.
They may be issued a full auto license such as a class 5 but there is usually a letter designation behind it to indicate they are a new driver. These new drivers have nighttime driving restrictions, vehicle occupant restrictions, and a 0 alcohol tolerance restriction to name just a few. They will also be required to take an additional test after a specific period of time to remove them from the new driver programmer.
But you’re still wondering where to get cheap auto insurance for my son? Teenage drivers can dramatically reduce the cost of insurance by purchasing a stand alone policy from an agency that specializes in providing teen insurance. A stand alone policy means they are not added as an additional driver on your insurance but rather carry their own insurance.
These insurance companies reduce their risk for insuring teens by placing certain concessions on the driving habits of them. They may require driving school, no driving after dark, or various other restrictions which allow them to keep the premiums lower for teen drivers.
The statistics for teen drivers aren’t good. A 16 year old driver is 10 times more likely to get into an accident than an adult between the ages of 30 and 59, so you can see why insurance companies are hesitant to provide good rates.
The best thing you can do for your teenager and his or her insurance rates is to teach responsibility and make them accountable. Make them earn your trust for the use of the car, and make them accountable to pay at least a portion of their insurance premiums. They can do this by working a part time job which also breeds maturity, so it’s a win-win all the way.
You and your teenager are thrilled with the new found freedom for both of you. So now you need to do your homework and research teen insurance rates so you can get them on the road. What are you waiting for?
Sher Matsen has been serving customers for over 20 years as a freelance writer and has been offering information and advice to the consumer. To find out how to save on your auto insurance Please visit us at The Auto Center
Article Source: http://EzineArticles.com/?expert=Sher_Matsen
Thứ Ba, 20 tháng 6, 2006
Cheap Car Insurance - 7 Tips To Reduce Your Car Insurance Costs
By Peter Crump
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.
Article Source: http://EzineArticles.com/?expert=Peter_Crump
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.
Article Source: http://EzineArticles.com/?expert=Peter_Crump
Thứ Hai, 19 tháng 6, 2006
当公主遇见狐狸
那时王子还没来到。
我依约到Bugis地铁站等待，距离二点还有几分钟，传了个短讯给公主说在地铁站的守护者(Guardian)门口等她。不一会儿公主出现在面前，¨嗨¨，她笑嘻嘻说。长长的刘海平贴至眉毛处，眼里的笑意几乎溢出，张开的嘴角牵动空气中初会的陌生气息，还好露出的皓齿适时提醒视讯记忆里头公主甜甜笑开的样子。印象和想像释然重叠、吻合，我们并肩走出地铁站。
公主是下班后直来赴约，黑色吊带背心浅色碎花短裙白色高跟鞋，左肩挂一个皮制包包。我是和朋友在唐人街苑林广场用过午餐后搭巴士直赴Bugis地铁站，黑色印有ＦＯＸ字样Ｔ–Ｓｈｉｒｔ加一条及膝短裤，脚踩踢不烂徒步鞋双肩背着大号摄影背包，没有尾巴。
公主是个很有诚意的导游，她知道我想看看摄影器材，就安排了去simlim 广场一逛，虽然她不知道我其实想去的penisular plaza 在哪里。
逛了街后公主带我去用餐（她还没吃午餐），那是在莱佛士城里的一间西餐厅，那一处的气氛很棒，座位的格局设计得很有私密性，公主和我选了一个靠落地玻璃窗的位子，可以看见外头的行人，和远处滨海艺术中心的屋顶。我点了一客沙律和公主共享，她也另外点了烧鱼排。食物的味道很好，我们缓慢吃着，随意聊些东西。原本是我要访问公主以取得素材来写人物地图系列，却不知为何演变成公主左访问我，她还煞有其事的拿起纸笔做纪录，也借故拿起相机来拍摄。狐狸乖乖就范。
用了大约两个小时的午餐后我们步行至滨海艺术中心，走走停停看看一直到中心外头的河堤。天气和霭得很，我们坐在堤旁的长椅上歇息。我也捉起相机让公主充当模特儿来拍人像写真，她直喊不懂要摆怎么样的恣态，我也毫无头绪，笑闹间拍了一些随意的照片，倒也好玩。
我们一直待在滨海艺术中心区域直到傍晚时分王子到来和我们会合。再出发去吃晚餐。
How to Make Reading Your Auto Insurance Quote Easier
By John H Brennan
Let’s face it, there are few people in the world who actually enjoy trawling through a car insurance policy. All the legalese and multitude of terms make it heavy going. But it is important to know exactly what you are signing on for so that you can work out if it is what you want. Once you understand the different aspects of a car insurance policy you may choose to forego some of the options in return for a discount on your car insurance premium.
However, it is unwise to do this if you don’t first know what it is you are giving up. There are a few basic terms that you need to understand like Collision Coverage, Comprehensive Coverage, Bodily Injury Liability and Property Damage Coverage.
Here is a snapshot of what each of the terms mean:
Bodily Injury Coverage – the funds that an insurance company would pay for damages caused to another individual involved in a motor vehicle accident.
Collision Coverage – this covers the cost of repair or replacement of the insured’s car no matter who caused the accident.
Comprehensive Coverage – this is for the cost of repair or replacement of the insured’s car for reasons other than an accident.
Property Injury Liability or Property Damage Coverage – this covers any costs associated with damage to property as a result of a motor vehicle accident. In many cases this is mandatory.
With Collision Coverage you can choose the level that you pay in the event you need repairs or replacements if your vehicle collides with another vehicle or property. This amount is called the deductible and basically the higher the deductible you elect, the lower your premiums will be. How does it work? Just like medical insurance, you pay the deductible amount, sometimes called an excess, first and then the insurance company pays the remaining repair costs.
Comprehensive Coverage encompasses things like damage caused from falling objects, fire, certain natural disasters, theft and vandalism. Deductibles work the same way as with Collision; the more out of pocket costs to you, the lower your car insurance premium will be.
Liability coverage – either bodily or property damage – kicks in if in the course of an accident there is damage to either another person or property. For example, if you drive into the back of another driver or your foot slips off the brake onto the gas pedal and you plow down a mailbox. Your liability coverage will kick in and pay for the damages that you caused with your insured vehicle.
Every car insurance policy is different and that’s why it pays to read through several car insurance quotes from different companies so that you can make a fair assessment of which policy is right for you. Now that you know about the basics of what you are paying for and why it is necessary, that job should be a lot easier. Not reading the Sunday paper easy, but hopefully much easier than you would have found it before reading this article.
You can save money on your car insurance premium. Get the information on car insurance that you need so that you can be confident you are choosing the right policy and saving as much money as you can. Visit the Car Insurance Information site.
Article Source: http://EzineArticles.com/?expert=John_H_Brennan
Let’s face it, there are few people in the world who actually enjoy trawling through a car insurance policy. All the legalese and multitude of terms make it heavy going. But it is important to know exactly what you are signing on for so that you can work out if it is what you want. Once you understand the different aspects of a car insurance policy you may choose to forego some of the options in return for a discount on your car insurance premium.
However, it is unwise to do this if you don’t first know what it is you are giving up. There are a few basic terms that you need to understand like Collision Coverage, Comprehensive Coverage, Bodily Injury Liability and Property Damage Coverage.
Here is a snapshot of what each of the terms mean:
Bodily Injury Coverage – the funds that an insurance company would pay for damages caused to another individual involved in a motor vehicle accident.
Collision Coverage – this covers the cost of repair or replacement of the insured’s car no matter who caused the accident.
Comprehensive Coverage – this is for the cost of repair or replacement of the insured’s car for reasons other than an accident.
Property Injury Liability or Property Damage Coverage – this covers any costs associated with damage to property as a result of a motor vehicle accident. In many cases this is mandatory.
With Collision Coverage you can choose the level that you pay in the event you need repairs or replacements if your vehicle collides with another vehicle or property. This amount is called the deductible and basically the higher the deductible you elect, the lower your premiums will be. How does it work? Just like medical insurance, you pay the deductible amount, sometimes called an excess, first and then the insurance company pays the remaining repair costs.
Comprehensive Coverage encompasses things like damage caused from falling objects, fire, certain natural disasters, theft and vandalism. Deductibles work the same way as with Collision; the more out of pocket costs to you, the lower your car insurance premium will be.
Liability coverage – either bodily or property damage – kicks in if in the course of an accident there is damage to either another person or property. For example, if you drive into the back of another driver or your foot slips off the brake onto the gas pedal and you plow down a mailbox. Your liability coverage will kick in and pay for the damages that you caused with your insured vehicle.
Every car insurance policy is different and that’s why it pays to read through several car insurance quotes from different companies so that you can make a fair assessment of which policy is right for you. Now that you know about the basics of what you are paying for and why it is necessary, that job should be a lot easier. Not reading the Sunday paper easy, but hopefully much easier than you would have found it before reading this article.
You can save money on your car insurance premium. Get the information on car insurance that you need so that you can be confident you are choosing the right policy and saving as much money as you can. Visit the Car Insurance Information site.
Article Source: http://EzineArticles.com/?expert=John_H_Brennan
Chủ Nhật, 18 tháng 6, 2006
这趟去新加坡
算是蛮轻松写意的旅程。
决定在这个周末去新加坡行走一番之后就联络友人BH，他热烈应承了我的借宿两夜之求。我请了两天假，打算直接从吉隆坡南下狮城，过两个晚上再从那边回家乡拉美士，逗留一天才回吉隆坡。
关于从吉隆坡至新加坡的移动方式，我也作了一些资料收集。基本上是有基于陆空的三种方式：南北大道、铁路和空路。我首先排除了搭火车，除了时间不合适之外，7个小时的路程也让我却步。航空路线最快，包括候机大约3小时，可是花费最大。我终究选择了长途巴士。资料收集后发觉长途巴士大致上分成三类：超级豪华型、豪华型和经济型的。超级豪华型的多是双层巴士，附有厕所、酒吧、个人电视荧幕、饮食等种种商业舱式的服务，票价大约RM80。豪华型的巴士俗称VIP Couch，多是单层27座位，一排三个位子，对比经济型的四十座位巴士，豪华型的巴士胜在位子宽阔。车票大约是RM30-RM50 之间。我最后搭了Konsortium的豪华巴士 ，RM30，位子还不错的，行车也蛮安稳，唯一不太理想的是这辆巴士中途逗留半小时让乘客用餐，抵达新山时会让乘客在拉庆车站下车，而在新加坡的终站是比较远的golden mills，俗称小泰国，这点点时间累积起来造成了我在早上11.30踏上巴士，在傍晚6.30才步下巴士。
我的手机没有国际漫游服务，我以问路的方式去到最近的地铁站，打公共电话给友人BH报到。抵达他家附近的地铁站时就看见了他和太太，和他四岁的儿子。这次轻松写意的旅程正式开始，他递给我一张EzLink 公共交通储值卡，巴士地铁通用。也借我一张新加坡 M1的手机sim card，让我的手机复活。后来两天和他们一家人在一起的时候总受到照顾，他们总说一定要把我喂得饱饱的。
当天晚上我就开始实行一个巧合得类似奇迹的约会。事情是这样子的，临去新加坡前一晚我在msn向住在新加坡的网友vivian说起我去新加坡，他问我会住在什么地方，我就说了。“我也住在那里！”，他说。然后她问我住在那一栋组屋。我也说了。“我也是！”，他惊呼。我征了一阵子，就是这么巧，他和我朋友BH住在同一栋楼。所以我们就说好了晚上出来喝茶，也真的约好了在楼下见面再去邻近的咖啡室喝茶。我们聊得很开心，也一再惊叹于如此巧妙的约会。这是我在新加坡的第一个晚上。
第二天下午是之前就约好的，和公主会面。也是很开心的会面，公主请我到一家很适合聊天的西餐厅午餐。傍晚王子放工也赶来和我们集合，他又请了我到滨海广场三楼晚餐，我们坐在外头，可以看到滨海艺术中心的亮丽夜景。我又受到了他们的眷顾，他们不让我排队买晚餐，问了我想吃什么后就让我坐在位子上，然后把食物送到我面前，还包括额外的小食。然后我们沿着滨海艺术中心外的河堤行走，到克拉码头。等待另一位朋友阿晴放工的当儿，我们去了咖啡豆喝咖啡，谈笑风生，一直到深夜十一点多才出发去找阿晴。后来看见阿晴已经是十二点过后的事情了，久违的她。可惜她因工作的关系累极了，我们逗留了一小时左右就散会，和阿晴道别回家。王子和公主送我去搭德士，我们又道别了彼此。
第三天早晨和BH一家人用过早餐后我就启程回马来西亚了。这次的新加坡小小旅程真是写意，有种宾至如归的感觉。我竟然没花上多少钱，交通费电话费和食物和喝茶都由朋友们包下了。很满足的回家，我总算探望了我想念的朋友们，也参与了一个巧妙的机缘巧合，也站在新加坡的土地上打电话给在新加坡工作的老朋友们，知道大家都安好。我也很好。
Lower Auto Insurance Quotes? Here's How!
By Jill Quinn
There isn’t a driver out there who wants to pay more than necessary for auto insurance premiums. It’s an important part of auto ownership, but far less enjoyable than the vehicle itself. Combined with a car payment, a car insurance premium can really put a dent into your monthly finances. Although we can’t help you with the car note itself, here are a few tips to get a lower auto insurance quote, and therefore, a lower monthly insurance bill to ease up on those debts.
First point; check your credit reports for errors-one from each of the three main credit bureaus- Experian, Equifax and Trans Union (available at each bureau’s website, one free report annually from each bureau -by law). Your credit history and current score have a drastic impact on your insurance premiums, so by clearing up and misinformation or inaccuracies on them, you’ll receive lower auto insurance quotes from potential insurers. Keeping up on your credit and paying your bills on time will help to ensure low rates on loans and insurance in the future.
Second, slow down! Speeding tickets and other traffic violations, including any sort of vehicle related ticket (parking included) issued by law enforcement, PLUS accidents, are another key factor in calculating your insurance premiums.
Next point of interest: Students with good grades will have better insurance rates than those with less than high scholastic ambitions. This is good news for parents and children alike, for it provides a wonderful bartering tool for moms and dads.
Another key point: Group discounts are often a money saving tool within the insurance industry. If you have homeowners, life, or any other type of insurance policy, having them all written by the same insurer will yield you a sometimes hefty discount.
Be sure to get a quote on an insurance policy before driving off in your new car. Each vehicle on the market will vary greatly from each other as well as individual insurance providers as to their insurance premiums. Don’t assume that just because something is a four door sedan that the insurance rates will be less than a two door coupe, or visa versa. Insurance costs vary for many different reasons, sometimes for the car’s speed, while other times a car might be a high theft risk in your area.
Finally, shop around. Don’t assume that just because one particular insurance company considers you a risk that another will feel the same. Obtaining quotes from multiple insurers will create competition between then, granting you a “win-win” situation.
If after trying all of these ideas you’re still not completely happy with your insurance quote, you may want to consider raising your deductible for collision and comprehensive coverage. If your policy’s coverage now contains a $250 deductible, raising it to $500 will save you some money on your auto insurance premiums.
Jill Quinn recommends that you visit http://www.cheap-autoinsurance.com/ for more information on auto insurance quotes.
Article Source: http://EzineArticles.com/?expert=Jill_Quinn
There isn’t a driver out there who wants to pay more than necessary for auto insurance premiums. It’s an important part of auto ownership, but far less enjoyable than the vehicle itself. Combined with a car payment, a car insurance premium can really put a dent into your monthly finances. Although we can’t help you with the car note itself, here are a few tips to get a lower auto insurance quote, and therefore, a lower monthly insurance bill to ease up on those debts.
First point; check your credit reports for errors-one from each of the three main credit bureaus- Experian, Equifax and Trans Union (available at each bureau’s website, one free report annually from each bureau -by law). Your credit history and current score have a drastic impact on your insurance premiums, so by clearing up and misinformation or inaccuracies on them, you’ll receive lower auto insurance quotes from potential insurers. Keeping up on your credit and paying your bills on time will help to ensure low rates on loans and insurance in the future.
Second, slow down! Speeding tickets and other traffic violations, including any sort of vehicle related ticket (parking included) issued by law enforcement, PLUS accidents, are another key factor in calculating your insurance premiums.
Next point of interest: Students with good grades will have better insurance rates than those with less than high scholastic ambitions. This is good news for parents and children alike, for it provides a wonderful bartering tool for moms and dads.
Another key point: Group discounts are often a money saving tool within the insurance industry. If you have homeowners, life, or any other type of insurance policy, having them all written by the same insurer will yield you a sometimes hefty discount.
Be sure to get a quote on an insurance policy before driving off in your new car. Each vehicle on the market will vary greatly from each other as well as individual insurance providers as to their insurance premiums. Don’t assume that just because something is a four door sedan that the insurance rates will be less than a two door coupe, or visa versa. Insurance costs vary for many different reasons, sometimes for the car’s speed, while other times a car might be a high theft risk in your area.
Finally, shop around. Don’t assume that just because one particular insurance company considers you a risk that another will feel the same. Obtaining quotes from multiple insurers will create competition between then, granting you a “win-win” situation.
If after trying all of these ideas you’re still not completely happy with your insurance quote, you may want to consider raising your deductible for collision and comprehensive coverage. If your policy’s coverage now contains a $250 deductible, raising it to $500 will save you some money on your auto insurance premiums.
Jill Quinn recommends that you visit http://www.cheap-autoinsurance.com/ for more information on auto insurance quotes.
Article Source: http://EzineArticles.com/?expert=Jill_Quinn
Thứ Bảy, 17 tháng 6, 2006
Why Should You Purchase Your Auto Insurance Online?
By Tim Gorman
If you’re interested in slashing your auto insurance bill in half then there’s no reason why you shouldn’t consider purchasing auto insurance online. Buying your auto insurance online is extremely easy and very convenient. The process is fast and only requires filling out a simple form. The best part is you can receive multiple quotes from several different auto insurance providers from the privacy of your own home. You can even search for a new money saving car insurance policy in your pajamas if desire to do so.
Many experts agree that most consumers overpay on their insurance policies due to a lack of shopping around. This includes vehicular insurance. Additionally they overwhelmingly endorse purchasing auto insurance online due to the ability to start your insurance application, save it, and finish later if you get pressed for time. If you’re concerned about the cost associated with receiving multiple insurance quotes don’t be. By applying online you can get multiple free car insurance quotes from one application. You’re also never under any obligation to accept any insurance quote provided – even if it saves you money.
As far as the drawbacks to purchasing auto insurance online there aren’t many. Obviously you’ll have to have access to a computer with an Internet connection and around 30 minutes of free time depending on the number of free insurance quotes you wish to receive. Keep in mind before accepting any quote that you could qualify for a bigger discount from your current auto insurance provider if you carry multiple insurance policies with them. For instance a combination of car, home and life insurance may cost less as a group when compared to purchasing individually.
It’s only natural to have concerns with the privacy of the information the insurance company requires you to fill out on their quick quote provider form. However rest assured that any information you provide is kept secure with encryption technology and will not be released to anyone else to include other insurance providers unless you agree to allow it. You can also feel comfortable in knowing that your credit score won’t be affected by applying for free auto insurance quotes online.
After you’ve found a quote that you like purchasing auto insurance online allows you to either accept the quote right then and there or you can opt to receive the rate provided in the mail. Either way you’re guaranteed to save money. A word of caution, make sure the information you provide on the insurance application is correct. Even the smallest errors can adversely affect the money saving rate that is provided.
Probably the most difficult choice will be which online auto insurance provider to choose from in order to receive your free quotes. Look for a company that has excellent customer service reviews and offers a simple application process that provides multiple money saving quotes. Finally don’t forget to check and make sure that they can actually provide an insurance quote for the state you currently reside in
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides free insurance information and offers discount home, life and auto insurance that you can research in your pajamas on his website.
Other websites operated by Tim
Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.
Military-Loans-Online.com – Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.Article Source: http://EzineArticles.com/?expert=Tim_Gorman
If you’re interested in slashing your auto insurance bill in half then there’s no reason why you shouldn’t consider purchasing auto insurance online. Buying your auto insurance online is extremely easy and very convenient. The process is fast and only requires filling out a simple form. The best part is you can receive multiple quotes from several different auto insurance providers from the privacy of your own home. You can even search for a new money saving car insurance policy in your pajamas if desire to do so.
Many experts agree that most consumers overpay on their insurance policies due to a lack of shopping around. This includes vehicular insurance. Additionally they overwhelmingly endorse purchasing auto insurance online due to the ability to start your insurance application, save it, and finish later if you get pressed for time. If you’re concerned about the cost associated with receiving multiple insurance quotes don’t be. By applying online you can get multiple free car insurance quotes from one application. You’re also never under any obligation to accept any insurance quote provided – even if it saves you money.
As far as the drawbacks to purchasing auto insurance online there aren’t many. Obviously you’ll have to have access to a computer with an Internet connection and around 30 minutes of free time depending on the number of free insurance quotes you wish to receive. Keep in mind before accepting any quote that you could qualify for a bigger discount from your current auto insurance provider if you carry multiple insurance policies with them. For instance a combination of car, home and life insurance may cost less as a group when compared to purchasing individually.
It’s only natural to have concerns with the privacy of the information the insurance company requires you to fill out on their quick quote provider form. However rest assured that any information you provide is kept secure with encryption technology and will not be released to anyone else to include other insurance providers unless you agree to allow it. You can also feel comfortable in knowing that your credit score won’t be affected by applying for free auto insurance quotes online.
After you’ve found a quote that you like purchasing auto insurance online allows you to either accept the quote right then and there or you can opt to receive the rate provided in the mail. Either way you’re guaranteed to save money. A word of caution, make sure the information you provide on the insurance application is correct. Even the smallest errors can adversely affect the money saving rate that is provided.
Probably the most difficult choice will be which online auto insurance provider to choose from in order to receive your free quotes. Look for a company that has excellent customer service reviews and offers a simple application process that provides multiple money saving quotes. Finally don’t forget to check and make sure that they can actually provide an insurance quote for the state you currently reside in
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides free insurance information and offers discount home, life and auto insurance that you can research in your pajamas on his website.
Other websites operated by Tim
Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.
Military-Loans-Online.com – Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.Article Source: http://EzineArticles.com/?expert=Tim_Gorman
Thứ Sáu, 16 tháng 6, 2006
What Are The Auto Liability Insurance State Minimums For My State?
By Tim Gorman
As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the auto liability insurance state minimums that you are required to have in order to legally drive in the United States. No matter what state you drive in all of them have financial responsibility laws and require motorists to purchase minimum amounts of auto liability insurance except for Tennessee, Wisconsin and New Hampshire.
Many websites and advocates of insurance (to include myself) recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. The main reason for this is due to the increased amount of money needed to rectify an accident is usually more then what the states declare as the minimum amount of insurance coverage needed.
I have compiled the following information from the American Insurance Association, the Property Casualty Insurers Association, and the Insurance Information Institute. It shows the auto liability insurance state minimums as required by each state. In order to understand the numbers you must know what the mean. The first two numbers are for bodily injury liability and the third number represents the minimum amount of property damage liability.
As an example my home state of Missouri shows the following - Missouri 25/50/10. This means Missouri requires as a minimum coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.
Alabama 20/40/10 Alaska 50/100/25 Arizona 15/30/10 Arkansas 25/50/25
California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5
D.C. 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10
Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15
Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25
Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10
Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25
Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5
Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25
South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15
Utah 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10
West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20
Remember these figures only represent auto insurance liability state minimums. Many experts agree that more insurance is needed in order to fully protect yourself in the event you’re involved in an automobile accident.
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount home, life and auto insurance that you can research in your pajamas on his websiteOther websites operated by TimCellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans. Military-Loans-Online.com – Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.
Article Source: http://EzineArticles.com/?expert=Tim_Gorman
As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the auto liability insurance state minimums that you are required to have in order to legally drive in the United States. No matter what state you drive in all of them have financial responsibility laws and require motorists to purchase minimum amounts of auto liability insurance except for Tennessee, Wisconsin and New Hampshire.
Many websites and advocates of insurance (to include myself) recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. The main reason for this is due to the increased amount of money needed to rectify an accident is usually more then what the states declare as the minimum amount of insurance coverage needed.
I have compiled the following information from the American Insurance Association, the Property Casualty Insurers Association, and the Insurance Information Institute. It shows the auto liability insurance state minimums as required by each state. In order to understand the numbers you must know what the mean. The first two numbers are for bodily injury liability and the third number represents the minimum amount of property damage liability.
As an example my home state of Missouri shows the following - Missouri 25/50/10. This means Missouri requires as a minimum coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.
Alabama 20/40/10 Alaska 50/100/25 Arizona 15/30/10 Arkansas 25/50/25
California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5
D.C. 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10
Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15
Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25
Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10
Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25
Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5
Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25
South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15
Utah 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10
West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20
Remember these figures only represent auto insurance liability state minimums. Many experts agree that more insurance is needed in order to fully protect yourself in the event you’re involved in an automobile accident.
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount home, life and auto insurance that you can research in your pajamas on his websiteOther websites operated by TimCellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans. Military-Loans-Online.com – Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.
Article Source: http://EzineArticles.com/?expert=Tim_Gorman
Thứ Năm, 15 tháng 6, 2006
Great Tips on Lowering Auto Insurance Costs
By David Maillie
With car sales prices continuously increasing, recent hikes in gas prices, and ever present sales and state taxes on our cars it has become vitally important to find ways to save money and keep costs down. One way to save money is to monitor your auto insurance and make sure you are getting the best deal possible. This may sound trivial, but can easily add up to savings of hundreds and possibly even thousands of dollars over the next few years.
First make sure you are taking advantage of all discounts available to you through your insurance provider. Many insurance companies have good driver history discounts. If you haven’t been in an accident or made a claim in several years make sure your agent adds this deduction – typical savings are 5-15% (easily $100-$400+ in savings per year).
For an additional discount some insurance companies like Progressive and Geico offer discounts for sponsored driving classes. Make sure you check with your insurance company to see which ones it accepts. Many of these classes are free or offered at minimal cost by your local DMV (Department of Motor Vehicles) or DOT (Department of Transportation). For a listing, contact your insurance company and then your state departments (DMV and DOT). These classes also work great for reducing points on your license from minor infractions (speeding, running a red light, etc…). Definitely get as many points taken off as possible. These points can increase your insurance rates 50-100% or more in some cases.
Some insurance companies like Geico, Allstate, and Progressive have recently come out with good student discounts. The requirements can vary so be sure to check with your insurance company. This could amount to an additional savings of 5-10% on your annual premium. Keep in mind traffic offenses can and will nullify this and most other discounts, so drive safely.
Shop around for the best rate. I can’t stress this enough. Every few years just check and see what other insurers are offering. You could see huge savings here and it may have nothing to do with your driving record. Some insurers just have lower claims for a particular model car and therefore will have a lower rate for that car. Just to see the difference call several insurance companies for quotes. You will see a huge range. When I had a 2000 Ford Mustang GT convertible I was paying over $4000 per year in insurance with Allstate then I checked and found Progressive offered the same coverage for only $1400 (a 75% difference in my premium). Now, that’s not to say that Allstate is a bad insurer, they just have higher claim costs associated with that vehicle and a driver of my age. So, make sure you shop around and definitely check the online insurers like Progressive and Geico as they tend to have lower premiums. Also see what impact raising your deductible will have on lowering your premium.
These items might also seem trivial, but will save you money. Pick a car with lower theft rates and lower premiums. A 4 door 4 cylinder car (Toyota Corolla) will almost always have a much lower premium than the latest 8 cylinder 2 seater sports car (Mustang GT (2+ 2 seating)). It will also get you better gas mileage which in a year could amount to a savings of hundreds of dollars in it self. Stay away from convertibles as they always have higher insurance premiums. Drop unnecessary coverage like collision on an older car. Also stay away from cars with high theft rates (Honda Civics and Accords tend to have some of the highest theft rates and unfortunately you will pay for that with higher premiums and don’t think you won’t.) One more thing, don’t speed, don’t drive drunk (I don’t need to tell you what that will cost you (it could even cost you your life), stop for all school buses, wear your seat belt and obey the rules of the road. You will be glad you did.
David Maillie is an alumni of Cornell University and specializes in automotive safety products and information. He holds numerous patents and awards for his patented headlight cleaner and restorer. For more information please visit: http://www.mdwholesale.com
Article Source: http://EzineArticles.com/?expert=David_Maillie
With car sales prices continuously increasing, recent hikes in gas prices, and ever present sales and state taxes on our cars it has become vitally important to find ways to save money and keep costs down. One way to save money is to monitor your auto insurance and make sure you are getting the best deal possible. This may sound trivial, but can easily add up to savings of hundreds and possibly even thousands of dollars over the next few years.
First make sure you are taking advantage of all discounts available to you through your insurance provider. Many insurance companies have good driver history discounts. If you haven’t been in an accident or made a claim in several years make sure your agent adds this deduction – typical savings are 5-15% (easily $100-$400+ in savings per year).
For an additional discount some insurance companies like Progressive and Geico offer discounts for sponsored driving classes. Make sure you check with your insurance company to see which ones it accepts. Many of these classes are free or offered at minimal cost by your local DMV (Department of Motor Vehicles) or DOT (Department of Transportation). For a listing, contact your insurance company and then your state departments (DMV and DOT). These classes also work great for reducing points on your license from minor infractions (speeding, running a red light, etc…). Definitely get as many points taken off as possible. These points can increase your insurance rates 50-100% or more in some cases.
Some insurance companies like Geico, Allstate, and Progressive have recently come out with good student discounts. The requirements can vary so be sure to check with your insurance company. This could amount to an additional savings of 5-10% on your annual premium. Keep in mind traffic offenses can and will nullify this and most other discounts, so drive safely.
Shop around for the best rate. I can’t stress this enough. Every few years just check and see what other insurers are offering. You could see huge savings here and it may have nothing to do with your driving record. Some insurers just have lower claims for a particular model car and therefore will have a lower rate for that car. Just to see the difference call several insurance companies for quotes. You will see a huge range. When I had a 2000 Ford Mustang GT convertible I was paying over $4000 per year in insurance with Allstate then I checked and found Progressive offered the same coverage for only $1400 (a 75% difference in my premium). Now, that’s not to say that Allstate is a bad insurer, they just have higher claim costs associated with that vehicle and a driver of my age. So, make sure you shop around and definitely check the online insurers like Progressive and Geico as they tend to have lower premiums. Also see what impact raising your deductible will have on lowering your premium.
These items might also seem trivial, but will save you money. Pick a car with lower theft rates and lower premiums. A 4 door 4 cylinder car (Toyota Corolla) will almost always have a much lower premium than the latest 8 cylinder 2 seater sports car (Mustang GT (2+ 2 seating)). It will also get you better gas mileage which in a year could amount to a savings of hundreds of dollars in it self. Stay away from convertibles as they always have higher insurance premiums. Drop unnecessary coverage like collision on an older car. Also stay away from cars with high theft rates (Honda Civics and Accords tend to have some of the highest theft rates and unfortunately you will pay for that with higher premiums and don’t think you won’t.) One more thing, don’t speed, don’t drive drunk (I don’t need to tell you what that will cost you (it could even cost you your life), stop for all school buses, wear your seat belt and obey the rules of the road. You will be glad you did.
David Maillie is an alumni of Cornell University and specializes in automotive safety products and information. He holds numerous patents and awards for his patented headlight cleaner and restorer. For more information please visit: http://www.mdwholesale.com
Article Source: http://EzineArticles.com/?expert=David_Maillie
Thứ Tư, 14 tháng 6, 2006
Cheap Auto Insurance Quotes - Tips For Getting The Lowest Rate
By Carrie Reeder
Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.
1. Give them details – If you don’t provide information about your zip code, marital status, car’s safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.
2. Shop around – Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing prices between companies. Don’t forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.
3. Raise your deductible – Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.
4. Cut the miles you drive – For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car’s mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.
5. Switch drivers – For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.
6. Add an anti-theft device – By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.
To view our list of recommended companies for auto insurance online, who can
give you multiple insurance quotes from different companies, visit this page:
Recommended Auto
Insurance Companies Online.
Article Source: http://EzineArticles.com/?expert=Carrie_Reeder
Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.
1. Give them details – If you don’t provide information about your zip code, marital status, car’s safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.
2. Shop around – Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing prices between companies. Don’t forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.
3. Raise your deductible – Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.
4. Cut the miles you drive – For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car’s mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.
5. Switch drivers – For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.
6. Add an anti-theft device – By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.
To view our list of recommended companies for auto insurance online, who can
give you multiple insurance quotes from different companies, visit this page:
Recommended Auto
Insurance Companies Online.
Article Source: http://EzineArticles.com/?expert=Carrie_Reeder
Thứ Ba, 13 tháng 6, 2006
Cheap Car Insurance for New Driver – Six Ways to Save Money
By Elizabeth Newberry
If you’re a new driver, there’s good news. Your new privilege doesn’t have to cost you an arm and a leg in insurance costs. There are ways to get cheap car insurance for new drivers. Check out these tips.
1. Shop around. You will hear this time and time again, but it really is in your best interest to look at and compare the policies and rates of several different auto insurance companies.
2. Once you choose an insurance company, talk with your agent about any discounts that the company may offer. Just because you are a new driver does not mean you have to be exempt from certain discounts.
3. Choose a safe, inexpensive car to drive. It is very tempting to purchase a fast, flashy, and expensive vehicle, especially for new drivers who want to turn heads, but these types of vehicles usually result in higher insurance costs.
4. Consider taking a driver education course. Many insurance companies will recognize your effort to educate yourself on the importance of safe driving and may even offer discounts. Before you enroll, talk with your insurance agent about such options.
5. If you are a teen driver still in school, make sure to keep your grades up. Many insurance companies reward teen drivers for good grades with lower insurance costs. Also enroll in a driver education course, especially if your school offers one.
6. Practice safe driving. This means, no alcohol or other drugs and no speeding or otherwise reckless driving. Not only could this help lower your insurance costs now, but clean driving records almost always lower insurance costs in the future.
Remember, driving is a nice privilege, but it also brings many responsibilities along with it. By taking these six tips into consideration, not only are you acting responsibly by helping yourself and your parents save money, but you’re also helping keep yourself and others safe on the road.
Visit our recommended company to learn more about the following:
Discount Auto Insurance
Auto Insurance Specialists
Online Auto Insurance Quotes
Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry
If you’re a new driver, there’s good news. Your new privilege doesn’t have to cost you an arm and a leg in insurance costs. There are ways to get cheap car insurance for new drivers. Check out these tips.
1. Shop around. You will hear this time and time again, but it really is in your best interest to look at and compare the policies and rates of several different auto insurance companies.
2. Once you choose an insurance company, talk with your agent about any discounts that the company may offer. Just because you are a new driver does not mean you have to be exempt from certain discounts.
3. Choose a safe, inexpensive car to drive. It is very tempting to purchase a fast, flashy, and expensive vehicle, especially for new drivers who want to turn heads, but these types of vehicles usually result in higher insurance costs.
4. Consider taking a driver education course. Many insurance companies will recognize your effort to educate yourself on the importance of safe driving and may even offer discounts. Before you enroll, talk with your insurance agent about such options.
5. If you are a teen driver still in school, make sure to keep your grades up. Many insurance companies reward teen drivers for good grades with lower insurance costs. Also enroll in a driver education course, especially if your school offers one.
6. Practice safe driving. This means, no alcohol or other drugs and no speeding or otherwise reckless driving. Not only could this help lower your insurance costs now, but clean driving records almost always lower insurance costs in the future.
Remember, driving is a nice privilege, but it also brings many responsibilities along with it. By taking these six tips into consideration, not only are you acting responsibly by helping yourself and your parents save money, but you’re also helping keep yourself and others safe on the road.
Visit our recommended company to learn more about the following:
Discount Auto Insurance
Auto Insurance Specialists
Online Auto Insurance Quotes
Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry
Thứ Hai, 12 tháng 6, 2006
Auto Insurance - Find The Best Company For You
By Michael Russell
When it's time to shop for auto insurance, make sure you take time to compare. There are vast differences between auto insurance companies. Taking time to compare before you buy will ultimately save you time and money.
These days it's a lot easier to compare auto insurance companies. Using the internet you will be able to do research on a number of companies and discover for yourself the best auto insurance company for you. Just remember that you will need to compare more than just the rates.
One of the things you should be looking at is the risk rating of the insurance company. This will affect their ability to pay your claim. Paying low premiums to a company that won't be able to settle claims against you won't do you any good.
So, what if you happen to be paying premiums right now to one of these low-rated auto insurance companies? Shop, compare and then make the switch to an auto insurance company that is right for you.
In addition to having a poor risk rating, there are other reasons for switching auto insurance companies. Obviously, you will want to find an one that charges premiums that fit your budget. Make sure you are comparing identical coverage levels when comparing premiums. The default coverage levels might vary between companies. Make sure you have enough coverage for your unique situation.
Premiums are often based on that auto insurance company's claims experiences with different policyholders in your same coverage group. The coverage group is determined by the type of vehicle, age group, number of claims filed, etc. For example, if owners of a specific vehicle file a large number of claims in a given year, premiums of auto insurance companies will rise for that vehicle. The same is true if drivers who are under the age of 21 file a large number of claims. This will affect you, if you happen to be in that group.
These experiences are often unique to each specific auto insurance company. That's why premiums might be higher with one company than another for each coverage group. That's why it's smart to shop around.
While you are shopping for another auto insurance company, don't be tempted to stop paying premiums with your current company. Any gap in coverage can cause you big problems. Many companies will ask to see proof of current coverage before canceling an active policy. Be safe and keep your current coverage active until after you switch to the new auto insurance company.
Once you have switched to a new insurance company, you can cancel coverage with your current one, simply, by putting your request in writing and specifying the date of cancellation. It's probably easiest to switch when your old policy is close to renewal. Most auto insurance companies will send a renewal notice about one month before a new policy period starts. Use this time to research your options and choose your new insurance company. Make sure you have your new policy all lined up before your current policy renews. Then notify your current company that you will not be renewing coverage. Although it's easier to cancel your policy at the time of renewal, you may cancel at any time. As long as you give proper notice, auto insurance policies contain a provision that gives you the right to cancel your policy at any time. You do not have to wait until renewal to switch to another auto insurance company.
It's not difficult to switch auto insurance companies, but it takes a little time and research to find the one that's best for your situation. The time you spend researching will be well rewarded with the money you will save on premiums and the comfort you will get knowing that the one you choose will be able to handle any claims you make.
Michael Russell
Your Independent guide to Insurance
Article Source: http://EzineArticles.com/?expert=Michael_Russell
When it's time to shop for auto insurance, make sure you take time to compare. There are vast differences between auto insurance companies. Taking time to compare before you buy will ultimately save you time and money.
These days it's a lot easier to compare auto insurance companies. Using the internet you will be able to do research on a number of companies and discover for yourself the best auto insurance company for you. Just remember that you will need to compare more than just the rates.
One of the things you should be looking at is the risk rating of the insurance company. This will affect their ability to pay your claim. Paying low premiums to a company that won't be able to settle claims against you won't do you any good.
So, what if you happen to be paying premiums right now to one of these low-rated auto insurance companies? Shop, compare and then make the switch to an auto insurance company that is right for you.
In addition to having a poor risk rating, there are other reasons for switching auto insurance companies. Obviously, you will want to find an one that charges premiums that fit your budget. Make sure you are comparing identical coverage levels when comparing premiums. The default coverage levels might vary between companies. Make sure you have enough coverage for your unique situation.
Premiums are often based on that auto insurance company's claims experiences with different policyholders in your same coverage group. The coverage group is determined by the type of vehicle, age group, number of claims filed, etc. For example, if owners of a specific vehicle file a large number of claims in a given year, premiums of auto insurance companies will rise for that vehicle. The same is true if drivers who are under the age of 21 file a large number of claims. This will affect you, if you happen to be in that group.
These experiences are often unique to each specific auto insurance company. That's why premiums might be higher with one company than another for each coverage group. That's why it's smart to shop around.
While you are shopping for another auto insurance company, don't be tempted to stop paying premiums with your current company. Any gap in coverage can cause you big problems. Many companies will ask to see proof of current coverage before canceling an active policy. Be safe and keep your current coverage active until after you switch to the new auto insurance company.
Once you have switched to a new insurance company, you can cancel coverage with your current one, simply, by putting your request in writing and specifying the date of cancellation. It's probably easiest to switch when your old policy is close to renewal. Most auto insurance companies will send a renewal notice about one month before a new policy period starts. Use this time to research your options and choose your new insurance company. Make sure you have your new policy all lined up before your current policy renews. Then notify your current company that you will not be renewing coverage. Although it's easier to cancel your policy at the time of renewal, you may cancel at any time. As long as you give proper notice, auto insurance policies contain a provision that gives you the right to cancel your policy at any time. You do not have to wait until renewal to switch to another auto insurance company.
It's not difficult to switch auto insurance companies, but it takes a little time and research to find the one that's best for your situation. The time you spend researching will be well rewarded with the money you will save on premiums and the comfort you will get knowing that the one you choose will be able to handle any claims you make.
Michael Russell
Your Independent guide to Insurance
Article Source: http://EzineArticles.com/?expert=Michael_Russell
Chủ Nhật, 11 tháng 6, 2006
六月第十天的外出
1。Bangkok Jam的晚餐很好吃。我尤其喜欢那份前菜(appetizer),忘了什么名堂，只知道那是一道需要自己动手“后制”的食物：从盘子里头拿起一片叶子，把食料（都是切成小片的葱头、青辣椒、生姜、青瓜、虾米等）放进叶子里头，再琳上准备好的酱料，卷起叶子，放入嘴里就是美味了。
2。还是Bangkok Jam，那边的气氛很好，服务也很好。
3。对了，那晚是世界杯第二天，餐厅外头有特别的世界杯舞台节目，还搭起了大大的投影布播映世界杯。
4。晚餐过后我们去federal hotel 二楼的 Salsa Havana，是去观赏我们的朋友Reena的Salsa拉丁舞演出。
5。这是我第一次去pub，我不懂要喝什么，随便点了杯啤酒。
6。愈靠近演出的时间人潮就越来越多，pub里头一直播着强劲的拉丁舞曲，很多人在舞池里大跳Salsa。
7。Salsa是男女合舞的，我看着他们摇摆的身躯，旋转的脚步，微笑的脸庞，灵巧的手握。觉得自己真的是从火星来的：我以前从来不知道这么多人跳这些看起来很复杂的舞。
8。Salsa是很好看的舞，也许跳Salsa才是最好玩的事情吧。我可以感受到他们起舞时奔放的喜悦。
9。pub里头的人都出奇的友善。
10。我在他们的salsa演出时拍照，用50mm 1.8的镜头，想尽量借用现场光。可是舞池的灯光不是太亮，我最后还是用了闪光灯。
11。很多人挤在舞池旁，我找不到好位子拍摄。
12。我们在演出结束后，和Reena寒暄了一阵子就离开了。
13。外头清静多了，我才发觉，因为之前在pub里头大声说话造成嗓子都沙哑了。
适耕庄的稻田
久闻适耕庄的稻米产量为雪兰莪州之冠，nottyboy和我早就想到那边拍摄稻田了，不过久久没有付诸行动，直到这个星期的某一天我们谈起适耕庄，心血来潮之余，就决定乘周末的空闲走一趟适耕庄。
星期六一早我们开车出发，抵达适耕庄时还未到七点。天空刚现曙光，车子在马路上驶着，经过一片片稻田。我们也不知道要去哪一处拍摄，随意驶入某个路口，柏油路旁尽是稻田，经过两间稻米工厂后我们把车子停在路边，路上静悄悄的，天色也开始亮了，可是天气却不好，一边的天空有厚厚的云层，另一边的天空却一片浅灰色，还不时传出隆隆雷声。
我们知道这个早上应该是不见阳光的了，也无所谓，阴天也有阴天的拍摄。
六月正是收割的季节，有一部分稻田已经过收割只剩泥土和枯黄色的稻叶。我们在还未收割的稻田旁徘徊取景，稻米整齐的在田里列队，全都低下头来，对我们的到访无动于衷。我蹲在田边端详，一根根瘦弱的稻禾弯下腰来携带着厚重的稻米，粒粒分明的稻米被包裹在金黄色的稻壳里头，一粒接着一粒，象一条短链。把这条短链放小来看，我仿佛看见了东方文明的基因链，稻米正是其中一条最重要的分子链。
后来我们遇见一位稻农，他正催促着工人们收割稻米，由于那是种来自家用的稻米，数量不多，他们用传统方法收割，握着镰刀，手起刀落，一堆堆的稻草就和泥土分开。割完后就是截取稻米的时候了，他们在一个围着高高袋子的大桶处用力把稻禾往桶里猛打，淅淅沥沥的声音响起，稻米们纷纷落在桶里头。
后来那位友善的稻农请我们到茶水档子喝茶，闲聊中才知道我们拍摄的稻田是"五号沟"，稻田尽头处的村子是华人新村，叫C村。
我们十一点左右就离开了适耕庄，这是个好地方，我们还会再来拍摄稻田的风光。
Thứ Bảy, 10 tháng 6, 2006
How Do I Lower My Auto Insurance Rates?
By A. Chris Tijerina
Since there are many factors that go into determining your auto insurance rates, there are many chances to lower your rates.
If you change jobs and your drive to work changes or you stop working or you work from home, you should contact your insurance company.
If you have a teen driver and they go to school over 100 miles away without a car then you should be able to get a discount.
If you get married and are in your teens or twenties call your insurance company and see about combining your policies.
Take defensive driving if your state allows it for a discount.
See if increasing your comprehsive and collision deductibles will save you a lot of money. You need to compare what you're saving and how much more you will have to pay if you file a claim. For example, if you go from $500 to a $1000 deductible and it lowers your insurance $50 per 6 months then it saves you $100 a year.
It will take you 5 years to break even from what you are saving compared to how much more you have to pay.
Now, if it saves you $250 every six months then it would be more worth your while.
See if combining your auto and home insurance polices will qualify for a multi policy discount with your current company. This could be a substantial discount.
One of the biggest ways you could save $200-$500 or more a year is shopping around for insurance. The auto insurance industry is very competitive and this is great news for smart consumers like yourself. Shop for auto insurance quotes here and see how much you can save.
A. Chris Tijerina has over 3 years of experience in the auto insurance industry and has seen many different people deal with auto insurance related problems. http://www.insurance-for-cars.com answers many of the questions facing drivers today.
Article Source: http://EzineArticles.com/?expert=A._Chris_Tijerina
Since there are many factors that go into determining your auto insurance rates, there are many chances to lower your rates.
If you change jobs and your drive to work changes or you stop working or you work from home, you should contact your insurance company.
If you have a teen driver and they go to school over 100 miles away without a car then you should be able to get a discount.
If you get married and are in your teens or twenties call your insurance company and see about combining your policies.
Take defensive driving if your state allows it for a discount.
See if increasing your comprehsive and collision deductibles will save you a lot of money. You need to compare what you're saving and how much more you will have to pay if you file a claim. For example, if you go from $500 to a $1000 deductible and it lowers your insurance $50 per 6 months then it saves you $100 a year.
It will take you 5 years to break even from what you are saving compared to how much more you have to pay.
Now, if it saves you $250 every six months then it would be more worth your while.
See if combining your auto and home insurance polices will qualify for a multi policy discount with your current company. This could be a substantial discount.
One of the biggest ways you could save $200-$500 or more a year is shopping around for insurance. The auto insurance industry is very competitive and this is great news for smart consumers like yourself. Shop for auto insurance quotes here and see how much you can save.
A. Chris Tijerina has over 3 years of experience in the auto insurance industry and has seen many different people deal with auto insurance related problems. http://www.insurance-for-cars.com answers many of the questions facing drivers today.
Article Source: http://EzineArticles.com/?expert=A._Chris_Tijerina
Thứ Sáu, 9 tháng 6, 2006
The Classic Car Insurance Dilemma and How to Easily Resolve It
By Tim Gorman
As I'm sure you can expect classic car insurance is provided to consumers that own classic cars, vehicles and sometimes even exotic cars. Typically this insurance is provided to folks that only on rare occasions drive their limited edition automobiles or cars. It is not intended for normal or daily driving. There are many differences in this type of insurance and in many cases the insurance coverage will be different for each individual seeking to have their classic car insured. The biggest difference will be based on the amount of miles that the classic auto is driven.
Most insurance companies will allow consumers seeking to insure their classic car the opportunity to drive their vehicle around 5000 miles a year. This affords the classic car enthusiast the opportunity to take some pleasure drives and also to drive their car to any local car shows they may want to showcase their vehicle in. They don’t allow normal daily driving for activities such as going to and from work, the store or school. In some cases they also won’t allow people to drive their cars to have work performed on their vehicle. Naturally, if you're looking to insure your classic car then you will want to purchase the type of insurance that is best suited to your own unique needs and desires.
Classic car insurance carries some strict restrictions on how you store your classic or exotic automobile. Cars of this nature must be stored in a garage that completely surrounds the car and is always locked. Be careful if you are having any restoration work performed on your car. When your classic car is stored at the auto restore shop it is not normally covered under your classic auto insurance policy. Always read your contract carefully (especially any fine print) in order to see what exactly is and isn’t covered under your classic car insurance plan.
There are several classic car insurance companies to choose from. In order to find the best provider of classic auto insurance you will need to be prepared to perform some minor research. Once you have found a classic car insurance provider expect that they will want to have your classic auto appraised in order to get an estimate of it's worth. This is especially important in the even that your vehicle or classic auto should be damaged or destroyed.
Finally, don’t forget that in order to find the best classic car auto insurance policy you will need to be patient. After all, you want the best possible insurance coverage at the lowest possible price while still feeling that you have more then enough insurance for your classic car or auto.
Timothy Gorman is a successful Webmaster and publisher of Top Auto Insurance Providers. A website that specializes in providing auto insurance advice to include easy ways to find cheaper classic car auto insurance that you can research in your pajamas from the comfort of your own home.
Article Source: http://EzineArticles.com/?expert=Tim_Gorman
As I'm sure you can expect classic car insurance is provided to consumers that own classic cars, vehicles and sometimes even exotic cars. Typically this insurance is provided to folks that only on rare occasions drive their limited edition automobiles or cars. It is not intended for normal or daily driving. There are many differences in this type of insurance and in many cases the insurance coverage will be different for each individual seeking to have their classic car insured. The biggest difference will be based on the amount of miles that the classic auto is driven.
Most insurance companies will allow consumers seeking to insure their classic car the opportunity to drive their vehicle around 5000 miles a year. This affords the classic car enthusiast the opportunity to take some pleasure drives and also to drive their car to any local car shows they may want to showcase their vehicle in. They don’t allow normal daily driving for activities such as going to and from work, the store or school. In some cases they also won’t allow people to drive their cars to have work performed on their vehicle. Naturally, if you're looking to insure your classic car then you will want to purchase the type of insurance that is best suited to your own unique needs and desires.
Classic car insurance carries some strict restrictions on how you store your classic or exotic automobile. Cars of this nature must be stored in a garage that completely surrounds the car and is always locked. Be careful if you are having any restoration work performed on your car. When your classic car is stored at the auto restore shop it is not normally covered under your classic auto insurance policy. Always read your contract carefully (especially any fine print) in order to see what exactly is and isn’t covered under your classic car insurance plan.
There are several classic car insurance companies to choose from. In order to find the best provider of classic auto insurance you will need to be prepared to perform some minor research. Once you have found a classic car insurance provider expect that they will want to have your classic auto appraised in order to get an estimate of it's worth. This is especially important in the even that your vehicle or classic auto should be damaged or destroyed.
Finally, don’t forget that in order to find the best classic car auto insurance policy you will need to be patient. After all, you want the best possible insurance coverage at the lowest possible price while still feeling that you have more then enough insurance for your classic car or auto.
Timothy Gorman is a successful Webmaster and publisher of Top Auto Insurance Providers. A website that specializes in providing auto insurance advice to include easy ways to find cheaper classic car auto insurance that you can research in your pajamas from the comfort of your own home.
Article Source: http://EzineArticles.com/?expert=Tim_Gorman
Thứ Năm, 8 tháng 6, 2006
Why Should You Purchase Your Auto Insurance Online?
If you’re interested in slashing your auto insurance bill in half then there’s no reason why you shouldn’t consider purchasing auto insurance online. Buying your auto insurance online is extremely easy and very convenient. The process is fast and only requires filling out a simple form. The best part is you can receive multiple quotes from several different auto insurance providers from the privacy of your own home. You can even search for a new money saving car insurance policy in your pajamas if desire to do so.
Many experts agree that most consumers overpay on their insurance policies due to a lack of shopping around. This includes vehicular insurance. Additionally they overwhelmingly endorse purchasing auto insurance online due to the ability to start your insurance application, save it, and finish later if you get pressed for time. If you’re concerned about the cost associated with receiving multiple insurance quotes don’t be. By applying online you can get multiple free car insurance quotes from one application. You’re also never under any obligation to accept any insurance quote provided – even if it saves you money.
As far as the drawbacks to purchasing auto insurance online there aren’t many. Obviously you’ll have to have access to a computer with an Internet connection and around 30 minutes of free time depending on the number of free insurance quotes you wish to receive. Keep in mind before accepting any quote that you could qualify for a bigger discount from your current auto insurance provider if you carry multiple insurance policies with them. For instance a combination of car, home and life insurance may cost less as a group when compared to purchasing individually.
It’s only natural to have concerns with the privacy of the information the insurance company requires you to fill out on their quick quote provider form. However rest assured that any information you provide is kept secure with encryption technology and will not be released to anyone else to include other insurance providers unless you agree to allow it. You can also feel comfortable in knowing that your credit score won’t be affected by applying for free auto insurance quotes online.
After you’ve found a quote that you like purchasing auto insurance online allows you to either accept the quote right then and there or you can opt to receive the rate provided in the mail. Either way you’re guaranteed to save money. A word of caution, make sure the information you provide on the insurance application is correct. Even the smallest errors can adversely affect the money saving rate that is provided.
Probably the most difficult choice will be which online auto insurance provider to choose from in order to receive your free quotes. Look for a company that has excellent customer service reviews and offers a simple application process that provides multiple money saving quotes. Finally don’t forget to check and make sure that they can actually provide an insurance quote for the state you currently reside in
Article Source: http://EzineArticles.com/?expert=Tim_Gorman
Many experts agree that most consumers overpay on their insurance policies due to a lack of shopping around. This includes vehicular insurance. Additionally they overwhelmingly endorse purchasing auto insurance online due to the ability to start your insurance application, save it, and finish later if you get pressed for time. If you’re concerned about the cost associated with receiving multiple insurance quotes don’t be. By applying online you can get multiple free car insurance quotes from one application. You’re also never under any obligation to accept any insurance quote provided – even if it saves you money.
As far as the drawbacks to purchasing auto insurance online there aren’t many. Obviously you’ll have to have access to a computer with an Internet connection and around 30 minutes of free time depending on the number of free insurance quotes you wish to receive. Keep in mind before accepting any quote that you could qualify for a bigger discount from your current auto insurance provider if you carry multiple insurance policies with them. For instance a combination of car, home and life insurance may cost less as a group when compared to purchasing individually.
It’s only natural to have concerns with the privacy of the information the insurance company requires you to fill out on their quick quote provider form. However rest assured that any information you provide is kept secure with encryption technology and will not be released to anyone else to include other insurance providers unless you agree to allow it. You can also feel comfortable in knowing that your credit score won’t be affected by applying for free auto insurance quotes online.
After you’ve found a quote that you like purchasing auto insurance online allows you to either accept the quote right then and there or you can opt to receive the rate provided in the mail. Either way you’re guaranteed to save money. A word of caution, make sure the information you provide on the insurance application is correct. Even the smallest errors can adversely affect the money saving rate that is provided.
Probably the most difficult choice will be which online auto insurance provider to choose from in order to receive your free quotes. Look for a company that has excellent customer service reviews and offers a simple application process that provides multiple money saving quotes. Finally don’t forget to check and make sure that they can actually provide an insurance quote for the state you currently reside in
Article Source: http://EzineArticles.com/?expert=Tim_Gorman
Thứ Tư, 7 tháng 6, 2006
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.
Article Source: http://EzineArticles.com/?expert=Peter_Crump
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.
Article Source: http://EzineArticles.com/?expert=Peter_Crump
Thứ Ba, 6 tháng 6, 2006
Cheap Auto Insurance Quotes - Tips For Getting The Lowest Rate
Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.
1. Give them details – If you don’t provide information about your zip code, marital status, car’s safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.
2. Shop around – Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing prices between companies. Don’t forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.
3. Raise your deductible – Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.
4. Cut the miles you drive – For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car’s mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.
5. Switch drivers – For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.
6. Add an anti-theft device – By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.
To view our list of recommended companies for auto insurance online, who can
give you multiple insurance quotes from different companies, visit this page:
Recommended Auto
Insurance Companies Online.
Article Source: http://EzineArticles.com/?expert=Carrie_Reeder
1. Give them details – If you don’t provide information about your zip code, marital status, car’s safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.
2. Shop around – Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing prices between companies. Don’t forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.
3. Raise your deductible – Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.
4. Cut the miles you drive – For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car’s mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.
5. Switch drivers – For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.
6. Add an anti-theft device – By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.
To view our list of recommended companies for auto insurance online, who can
give you multiple insurance quotes from different companies, visit this page:
Recommended Auto
Insurance Companies Online.
Article Source: http://EzineArticles.com/?expert=Carrie_Reeder
Thứ Hai, 5 tháng 6, 2006
How to Get Cheap Auto Insurance
There is no secret that auto insurance prices are on the rise and have been that way for a good many years. There is something that makes us all cringe in response to paying for something that we may very well never use and at great expense to us.
So we are all in search of the cheap auto insurance. This can be a game that takes a good long time to play but in the end it should be well worth it. Of course this is not something that will happen over night and there is several matters that go into the whole thing. Auto insurance is tricky business and the companies not only want to protect you, but also their bottom line in the end. So if you are in search of the cheap auto insurance then you should follow a few general rules.
The best way to get cheap auto insurance is to be a good driver. That is really a common fact that many people over look these days. Insurance companies reward those drivers that have had no accidents, and no tickets. Of course this may be easier said than done to be honest considering even accidents that are not your fault look bad on your record. The tickets thing is what really matters most. Just one ticket for speeding can raise your auto insurance rates by over thirty percent a year. So you can see that it is best to obey the traffic laws at all costs no matter what. This will give you the very best cheap auto insurance with most companies.
There is the matter of shopping around for cheap auto insurance as well. The one mistake that people often make is to think that the company they have been with since they were young is giving them the best rate. This is the farthest thing from the truth in all actuality. You will find that with the vast array of auto insurance companies that sprinkle the country side that the prices will vary greatly. Many times you can save hundreds of dollars in premiums by going with another company.
Finally, cheap auto insurance is given to those that have easily insurable cars. This is no secret, but you should have a car that has a good safety rating with the insurance companies in order to maintain the best rates on the insurance. The auto insurance companies do not like those little sports cars that move at top speeds as they can be the ingredient for disaster and much expense.
Article Source: http://EzineArticles.com/?expert=Monice_Dulcinea
So we are all in search of the cheap auto insurance. This can be a game that takes a good long time to play but in the end it should be well worth it. Of course this is not something that will happen over night and there is several matters that go into the whole thing. Auto insurance is tricky business and the companies not only want to protect you, but also their bottom line in the end. So if you are in search of the cheap auto insurance then you should follow a few general rules.
The best way to get cheap auto insurance is to be a good driver. That is really a common fact that many people over look these days. Insurance companies reward those drivers that have had no accidents, and no tickets. Of course this may be easier said than done to be honest considering even accidents that are not your fault look bad on your record. The tickets thing is what really matters most. Just one ticket for speeding can raise your auto insurance rates by over thirty percent a year. So you can see that it is best to obey the traffic laws at all costs no matter what. This will give you the very best cheap auto insurance with most companies.
There is the matter of shopping around for cheap auto insurance as well. The one mistake that people often make is to think that the company they have been with since they were young is giving them the best rate. This is the farthest thing from the truth in all actuality. You will find that with the vast array of auto insurance companies that sprinkle the country side that the prices will vary greatly. Many times you can save hundreds of dollars in premiums by going with another company.
Finally, cheap auto insurance is given to those that have easily insurable cars. This is no secret, but you should have a car that has a good safety rating with the insurance companies in order to maintain the best rates on the insurance. The auto insurance companies do not like those little sports cars that move at top speeds as they can be the ingredient for disaster and much expense.
Article Source: http://EzineArticles.com/?expert=Monice_Dulcinea
Chủ Nhật, 4 tháng 6, 2006
Auto Insurance Tips Guide
Like our life needs to be protected against the unwarned dangers, our assets too should be shielded from all kinds of damages that can happen to them. Unlike few centuries ago, nowadays one of the major assets of people is their vehicle. Automobiles especially cars are incredibly expensive these days and on the same hand there is a surge in the crime against the vehicles. This makes it mandatory for every person to get his/her vehicle insured and so secured.
Auto insurance thus is the ideal means to cover your vehicle against danger of accident, theft and other incurred losses. Auto insurance covers the insured party, insured vehicle as well as the third parties. Each item is covered under different circumstances specified by different polices. Besides this some auto insurance policies may additionally cover medical expenses, personal injury protection and no-fault insurance.
Auto insurance is becoming more and more popular day by day. As a result at present numerous insurance agencies are offering auto insurance and thus people find it easy to choose from different policy packages available.
However before choosing auto insurance policy there are several crucial things to be considered. Some of which are listed below:
1. Prior to purchasing an auto insurance policy get as many price quotes as possible from different companies. This can be done online, through visiting the agencies personally or through an agent. Always go with a company that is financially stable.
2. Always check the cost of insurance before purchasing a car or any other vehicle. The car’s sticker price, the cost to repair it, its safety record and chances of theft are the factors that comprise the car insurance premiums. The information regarding which car to buy can be acquired from the Insurance Institute for Highway Safety.
3. Always make it a point to look for higher deductibles. Deductibles are the amount paid prior to implementation of the policy. High deductibles greatly lower the costs. But opt for higher deductibles only when you have enough money kept aside to pay it if you have a claim.
4. You must bear in mind the fact that the coverage of the car varies with its worth. So the coverage is less on older cars and more on a brand new car.
5. If you have more than one car, prefer taking its insurance from the same insurer or if the insurance agency that has insured your house also offers auto insurance, go with it only. This will not just be playing safe but you may also get some discount on the policies.
6. Always try to maintain a good credit record. This helps in fetching you a good insurance policy for most often insurers use the person’s credit information to rate auto insurance policies.
7. Draw the benefit of low mileage discounts. Some companies offer discounts to motorists who drive less than average or estimated number of miles per year.
8. You can also avail the facility of group insurance. Some companies offer discount to drivers who get insurance through a group plan.
9. Last but not the least before purchasing an auto insurance policy, keep one thing in mind that companies offer discounts to policyholders without any record of accidents or of disobedience of road rules etc.
Article Source: http://EzineArticles.com/?expert=Mansi_Aggarwal
Auto insurance thus is the ideal means to cover your vehicle against danger of accident, theft and other incurred losses. Auto insurance covers the insured party, insured vehicle as well as the third parties. Each item is covered under different circumstances specified by different polices. Besides this some auto insurance policies may additionally cover medical expenses, personal injury protection and no-fault insurance.
Auto insurance is becoming more and more popular day by day. As a result at present numerous insurance agencies are offering auto insurance and thus people find it easy to choose from different policy packages available.
However before choosing auto insurance policy there are several crucial things to be considered. Some of which are listed below:
1. Prior to purchasing an auto insurance policy get as many price quotes as possible from different companies. This can be done online, through visiting the agencies personally or through an agent. Always go with a company that is financially stable.
2. Always check the cost of insurance before purchasing a car or any other vehicle. The car’s sticker price, the cost to repair it, its safety record and chances of theft are the factors that comprise the car insurance premiums. The information regarding which car to buy can be acquired from the Insurance Institute for Highway Safety.
3. Always make it a point to look for higher deductibles. Deductibles are the amount paid prior to implementation of the policy. High deductibles greatly lower the costs. But opt for higher deductibles only when you have enough money kept aside to pay it if you have a claim.
4. You must bear in mind the fact that the coverage of the car varies with its worth. So the coverage is less on older cars and more on a brand new car.
5. If you have more than one car, prefer taking its insurance from the same insurer or if the insurance agency that has insured your house also offers auto insurance, go with it only. This will not just be playing safe but you may also get some discount on the policies.
6. Always try to maintain a good credit record. This helps in fetching you a good insurance policy for most often insurers use the person’s credit information to rate auto insurance policies.
7. Draw the benefit of low mileage discounts. Some companies offer discounts to motorists who drive less than average or estimated number of miles per year.
8. You can also avail the facility of group insurance. Some companies offer discount to drivers who get insurance through a group plan.
9. Last but not the least before purchasing an auto insurance policy, keep one thing in mind that companies offer discounts to policyholders without any record of accidents or of disobedience of road rules etc.
Article Source: http://EzineArticles.com/?expert=Mansi_Aggarwal
Thứ Bảy, 3 tháng 6, 2006
过瘾
在KLCC展览厅举办的海外华文书市是本地有史以来最大型的书展了。书展太大，所以我去了两回。第一回只逛了台湾部分的摊位，第二回时间充裕，我逛了城邦的摊位，也重新逛了一回台湾部分，最后是中国部分的。别说书展的人多拥挤，我还是买了一些书籍，回家叠起来看，有40公分左右，这是我有史以来单次买书最多的一回了。
看看我买了些怎么样的书：
1 杨照 - 面对未来最重要的50个概念
2 水浒传 （中国书，超便宜的，才9.90）
3 弥今 - 金庸文化旅游地图
4 李元看摄影 - 神州觅影
5 李元看摄影 - 以影求知 （这两本都是在外头的摄影人杂志摊位买的，没办法，李元的风光照拍得太好看了，也是我努力的方向）
6 William Shurtleff & Akiko Aoyagi 豆腐之书 （我几乎餐餐都要豆腐，怎么能够错过这本书呢）
7 道德经的智慧全集
8 一行禅师 - 见佛杀佛
9 一行禅师 - 正念的奇迹
10 一行禅师 - 观照的奇迹
11 刘黎儿 - 棋神物语 （我很喜欢漫画《棋魂》（或《棋灵王》），因此我买了这本小说）
12 倪匡科幻奖作品集 - 百年一瞬
13 苏童 - 蛇为什么会飞
14 村上龙 - 希望之国 （这是第一回买的，后来第二回想再买其他的作品却找不到了）
15 费曼的主张
16 别闹了，费曼先生 - 科学顽童的故事
17 你管别人怎么想 - 科学奇才费曼博士
18 物理之美 - 费曼和你谈物理
19 费曼手扎 - 不休止的鼓声
20 费曼的六堂物理课 （是的我近来迷上费曼，他的思考和主张都很有意思，我也想看看他眼中的物理之美。）
很过瘾，这些书本足够我看好几个月了。
而我知道，如果我再去第三回的话一定又会再买一些书本回来，所以明天我打算好好在家里包书（看来要包完所有的书至少要好几个小时。。。）
看看我买了些怎么样的书：
1 杨照 - 面对未来最重要的50个概念
2 水浒传 （中国书，超便宜的，才9.90）
3 弥今 - 金庸文化旅游地图
4 李元看摄影 - 神州觅影
5 李元看摄影 - 以影求知 （这两本都是在外头的摄影人杂志摊位买的，没办法，李元的风光照拍得太好看了，也是我努力的方向）
6 William Shurtleff & Akiko Aoyagi 豆腐之书 （我几乎餐餐都要豆腐，怎么能够错过这本书呢）
7 道德经的智慧全集
8 一行禅师 - 见佛杀佛
9 一行禅师 - 正念的奇迹
10 一行禅师 - 观照的奇迹
11 刘黎儿 - 棋神物语 （我很喜欢漫画《棋魂》（或《棋灵王》），因此我买了这本小说）
12 倪匡科幻奖作品集 - 百年一瞬
13 苏童 - 蛇为什么会飞
14 村上龙 - 希望之国 （这是第一回买的，后来第二回想再买其他的作品却找不到了）
15 费曼的主张
16 别闹了，费曼先生 - 科学顽童的故事
17 你管别人怎么想 - 科学奇才费曼博士
18 物理之美 - 费曼和你谈物理
19 费曼手扎 - 不休止的鼓声
20 费曼的六堂物理课 （是的我近来迷上费曼，他的思考和主张都很有意思，我也想看看他眼中的物理之美。）
很过瘾，这些书本足够我看好几个月了。
而我知道，如果我再去第三回的话一定又会再买一些书本回来，所以明天我打算好好在家里包书（看来要包完所有的书至少要好几个小时。。。）
鲨鱼复仇
今天我早早起身，地球另一端的Miami美航中心篮球场人头涌涌，盛情期望热火创造历史。这是NBA东部决赛第六场，热火领先活塞3-2，只要再多一场胜利他们将第一次踏入总决赛。
O'neal去年转投热火许下的诺言将盛丽的兑现，Wade的神话得以延续并升华到也许是传说的地步，还有一众渴望总冠军的老将们:Mourning, Payton,Walker,Williams,Posey等等将持续心中的火种--“渴望总冠军的心”。
一番洗刷过后我还是迟了，球赛早已开始。我从网上的即时成绩得知热火在第一节以25-20领先活塞，一颗心登时活跃起来，再看技术数据，惊见Wade竟然一分未得，而且出场时间也不长。一颗心又沉下去，难道他受伤了？脑海急速翻至去年Wade因第五场受伤而无法在第六场比赛上场最终导致热火输掉赛点的一幕，忐忑不安的出门去了。
我去附近的妈妈档寻觅astro 的 espn 频道，却没发现有任何一家档口打开电视。我走进其中一间，坐在靠近关闭的电视的位子，点了早餐并要求他们扭开电视，可惜那唯一的女招待却表示她不懂得怎么打开astro 频道。我无言坐下，想起平时的夜晚走过这些蓬勃滋生的妈妈档口，大大小小的电视机都播映着astro 体育频道。是的我知道那是足球，有很多观众。而这个早上我兴致勃勃的想找一个地方看一场同样（或许更加）精彩的篮球赛,却只有沉默的电视机，荒芜的妈妈档，和我自己的失望。
后来我快快用过早餐就搭轻快铁去KLCC（我原本打算看完球赛就去海外华文书市），那时是九点半，估计上半场已经结束了。抵达KLCC时大约十五分钟才到十点，Best denki电器铺还没开门。我在商场里头漫游，企图寻找一台播映着篮球赛的电视不果，走回去best denki等它开门，马上蹓进里头。而我找到了十多台播映着篮球赛的电视，从20"的普通电视到50"的等离子电视都播映着NBA 东部决赛第六场。那时正值第三节尾声，热火领先16分，我的心登时安定下来。原来是O'neal的篮下强打和williams的完美风暴把热火放置到这样的一个优势位子，这是我后来阅读报道才知道的事情了。我就站在两台34"的电视前看着比赛，看见Wade运球突破三分线的防守后在包夹的情况下跃起后仰中距离投篮，失去平衡的身体却丝毫不阻篮球往网中落下，空心球，Wade躺跌在地板上即跳起，伸起一根手指，观众掌声如雷。第三节结束前这样的情况又重复了一次，哨声响起后Wade和场边的队友们击掌，力量十足的撞击。我看见了热火的气势，和他们的决心。所以第四节的比赛我不再紧张，活塞当然不是省油的灯，他们努力追赶，Hamilton的中投也确实让他们追到了一些分数。可是热火随即又把分数拉开，比赛至最后三分钟时彼此的差距还有18分。大局已定，O'neal和Wade随后被换下场，全场欢呼声不已。我在比赛结束之际目睹热火队员们欣喜若狂的神情感动不已，轻轻拍掌，大伙儿都干得很好。镜头一转，是O'neal接受访问。
他在这场比赛大杀四方，得了28分16篮板5次火锅。总算用鲨鱼的本色报了前两年连续败给活塞之仇。
他说：我们还没有实现目标。
是的，他承诺过的，总冠军。
Auto Insurance Information Guide
Auto insurance as we all know is the insurance consumers purchase for their vehicle be it a car, truck or any other automobile. The purpose of auto insurance is to safeguard the vehicle against accidents, theft and any other loss incurred. Auto insurance can cover, the insured party, the insured vehicle and the third parties. Different policies specify the situations under which each of these items is covered.
Like life insurance, auto insurance too has become the need of the hour. A surge in insecurity of the vehicles has resulted in many big and small companies venturing in this area and trying their luck.
There are different types of auto insurances available. The policies vary with the need and wants of the people purchasing the policy. For example certain types of insurance policies include bodily injury liability, property damage liability, medical payments, and collision and comprehension coverage for physical damage to the insured vehicle.
Broadly speaking an auto insurance policy is divided into five parts.
1. Declarations- this part of policy contains personal information about the drivers in your house. This includes their name and address, make and model of the vehicle, vehicle identification number, policy number, duration etc. This part also comprises of basic type of coverage that you purchased and your policy limits and deductibles. It is very important to provide correct information in this area; otherwise the insurance claim can be declined at ease.
2. Coverage Parts- in this option the coverage limits such as liability, medical, collision and comprehensive are discussed. This section primarily outlines what your insurance company guarantees to provide in return for your payment, based on the coverage and coverage limits opted.
3. Exclusions- this section briefs about what is left uncovered by your policy’s limitations. From here you will get to know that what all will be covered when you make a claim and allows you to make rectifications in the policy.
4. Conditions- this section is all about legitimacy i.e. the legal bindings on the insurer and the insured. It includes premium payment obligations, steps to filing a claim, and guidance to resolve disputes.
5. Definitions- also known as fine print, this segment is where terms and the rights of the policyholder and the insurance company are defined.
In several countries it is mandatory to purchase auto insurance before driving on public roads. The least requirement in this area is third party insurance to protect the third parties against the loss, damage or accident by a vehicle. You may or may not get an insurance cover against loss or damage to your own vehicle. While some other countries make the insurance of both the car and the driver compulsory.
Car insurance plans a regular flat charge per-car or per year despite of the extent to which the car is used. There is no adequate statistical basis for the insurers to compare costs used to support price classifications. Other well known methods of differentiation are reasonable estimation, odometer based systems, GPS based system and OBDII-based system.
Mansi aggarwal recommends that you visit Auto insurance for more information.
Article Source: http://EzineArticles.com/?expert=Mansi_Aggarwal
Like life insurance, auto insurance too has become the need of the hour. A surge in insecurity of the vehicles has resulted in many big and small companies venturing in this area and trying their luck.
There are different types of auto insurances available. The policies vary with the need and wants of the people purchasing the policy. For example certain types of insurance policies include bodily injury liability, property damage liability, medical payments, and collision and comprehension coverage for physical damage to the insured vehicle.
Broadly speaking an auto insurance policy is divided into five parts.
1. Declarations- this part of policy contains personal information about the drivers in your house. This includes their name and address, make and model of the vehicle, vehicle identification number, policy number, duration etc. This part also comprises of basic type of coverage that you purchased and your policy limits and deductibles. It is very important to provide correct information in this area; otherwise the insurance claim can be declined at ease.
2. Coverage Parts- in this option the coverage limits such as liability, medical, collision and comprehensive are discussed. This section primarily outlines what your insurance company guarantees to provide in return for your payment, based on the coverage and coverage limits opted.
3. Exclusions- this section briefs about what is left uncovered by your policy’s limitations. From here you will get to know that what all will be covered when you make a claim and allows you to make rectifications in the policy.
4. Conditions- this section is all about legitimacy i.e. the legal bindings on the insurer and the insured. It includes premium payment obligations, steps to filing a claim, and guidance to resolve disputes.
5. Definitions- also known as fine print, this segment is where terms and the rights of the policyholder and the insurance company are defined.
In several countries it is mandatory to purchase auto insurance before driving on public roads. The least requirement in this area is third party insurance to protect the third parties against the loss, damage or accident by a vehicle. You may or may not get an insurance cover against loss or damage to your own vehicle. While some other countries make the insurance of both the car and the driver compulsory.
Car insurance plans a regular flat charge per-car or per year despite of the extent to which the car is used. There is no adequate statistical basis for the insurers to compare costs used to support price classifications. Other well known methods of differentiation are reasonable estimation, odometer based systems, GPS based system and OBDII-based system.
Mansi aggarwal recommends that you visit Auto insurance for more information.
Article Source: http://EzineArticles.com/?expert=Mansi_Aggarwal
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What Does that Mean? Understanding Health Insurance Terms When searching for a health insurance plan or after one has already signed up, the...
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我们是去吃早餐时经过的道路上，认识从远方望去是一间庄严佛寺的万佛殿，不太雄伟，像一个朴实衣装的老伯喁在一角阅读早报。后来我们吃过了早餐回到同一道公路，友人把驾驶盘一扭，我们来到了万佛殿。 “关丹最大的佛寺，有一个很漂亮的园景和湖，后面的山有很美丽的石壁。”，这是友人口中说起的万佛...
