Entrepreneur, March, 2005 by Chris McGinnis
NEARLY ALL business travelers have experienced last-minute surprises when their final car-rental bills far exceed what was quoted. Here's what to look out for:
* LOCAL TAXES/FEES: When shopping for car rental rates, be sure you're comparing apples to apples--meaning all taxes and fees should be part of every rate quote. Always ask. Taxes and fees (often used to fund construction of convention centers or stadiums) can increase your final bin by up to 71 percent, according to a Travelocity.com study, which ranked airports where rental car fees are steepest.
At Houston's Intercontinental Airport, for example, if you rent a car for two days at $50 per day, you'd expect your bill to be about $100. But with taxes and fees, you'll end up paying a whopping $171. Other airports that ranked high on Travelocity.com's list include Austin, Cleveland, Dallas/Fort Worth and Houston-Hobby.
* FREQUENT FLIERS: Most rental car companies now add a surcharge to those customers earning airline frequent flier miles for their rentals. Expect to pay 50 cents per day, up to a maximum of $2 per rental, for the honor of earning those miles.
* INSURANCE: This is one car-rental fee you can do something about. When it comes to collision or liability damage waivers, don't fall for rental car agents' hard sell (they earn a commission selling these add-ons, which can cost as much as $30 a day). Typically, if you own a car and have insurance, you're covered when driving a rental car. In addition, many major credit cards offer insurance if you charge the rental car on the card. Before your next trip, call your insurance company or credit card company and ask whether you're covered.
CHRIS MCGINNIS, travel correspondent for CNN Headline News, is author of The Unofficial Business Travelers' Pocket Guide.
COPYRIGHT 2005 Entrepreneur Media, Inc.
COPYRIGHT 2005 Gale Group
Monday, June 11, 2007
Tuesday, May 22, 2007
How Much Car Insurance Should You Buy?
By: Erick Pace
Car insurance is one of the most dreaded chunks in your budget. And depending on which state you live in, it could be a smaller or larger chunk of your budget than your neighbors across state lines.
How much insurance should you buy? Any insurance agent worthy of their salt will tell you that you should buy as much as you can afford. While this is a good rule of thumb, it's about as useful as a stock broker's tip to buy low and sell high. It might be sound logic but it doesn't get you any closer to an educated decision. There are a few filters that need consideration in order to make that educated decision. First, what is the state required minimum coverage where you live? Second, what does the minimum cover? Third, what other coverage is available and can you afford it? And fourthly, what are you protecting?
What do the minimums cover?
Now that you know what your state requires, what are you actually covered for once you purchase the minimum? Using the coverage definitions that follow, find the types of coverage required and see what your state says is the accepted minimum.
Coverage Definitions
Bodily Injury Liability
Covers other people's bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Therefore, it's a good idea to have the same level of coverage for all of your cars. Bodily Injury Liability does NOT cover you or other people on your policy. Coverage is limited to the terms and conditions contained in the policy.
Comprehensive Physical Damage Coverage
Covers your vehicle, and sometimes other vehicles you may be driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. Coverage is limited to the terms and conditions contained in the policy.
Collision Coverage
Covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. Coverage is limited to the terms and conditions contained in the policy.
Medical Payments
Covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. Does NOT matter who is at fault. Coverage is limited to the terms and conditions contained in the policy.
Uninsured Motorist Coverage
Covers bodily injuries to you and your passengers when the other person has no insurance or not enough insurance in a crash that is not your fault. In some states, there is also uninsured motorist coverage for damage to your vehicle. Given the large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance. Coverage is limited to the terms and conditions contained in the policy
Personal Injury Protection Coverage
Covers within the specified limits, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him. The basic coverage for the insured's own injuries on a first-party basis, without regard to fault. It is only available in certain states.
Property Damage Liability
Covers you if your car damages someone else's property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object. Coverage is limited to the terms and conditions contained in the policy.
Rental Car Reimbursement
Covers renting a car if your car isn't drivable or while your car is being repaired because of a covered accident.
What else is available and can you afford it?
Did you come across a coverage and think, "I need that but it isn't required by state law" when you were reviewing the coverage definitions? Chances are you did. Can your budget afford the additional expense of these protections? Or maybe more to the point; can you afford NOT to have these additional protections? At CarInsurance.com it's easy to get multiple quotes all with a click of your mouse. And during the quoting process, it's simple to add or remove coverage to see how additional coverage will affect your budget.
What are you protecting?
What assets need to be protected from being plucked away if you cause injury or damage?
A) Your car itself. If this is a significant asset, or at least the bank you owe money to thinks so, then you will need comprehensive and collision.
B) Your net worth. Do you have an enormous net worth to protect. If so, either get it out of your name and into a trust or buy all the insurance you can. If you have little or nothing to protect, then you can get by with less and still be financially responsible.
However, after you determine how much protection to get, always ask how much more it is for the next level higher. Very often, you can get significantly more coverage for very little cost.
Car insurance isn't flashy. There is no "wow" factor and the opposite gender isn't going to be impressed by the size of your policy. But not having enough can be the difference between financial stability and financial ruin. For what its worth, CarInsurance.com finds financial stability incredibly appealing.
Visit http://www.carinsurance.com to Check Out Car Insurance Quotes
Copyright Erick Pace - http://www.carinsurance.com
Car insurance is one of the most dreaded chunks in your budget. And depending on which state you live in, it could be a smaller or larger chunk of your budget than your neighbors across state lines.
How much insurance should you buy? Any insurance agent worthy of their salt will tell you that you should buy as much as you can afford. While this is a good rule of thumb, it's about as useful as a stock broker's tip to buy low and sell high. It might be sound logic but it doesn't get you any closer to an educated decision. There are a few filters that need consideration in order to make that educated decision. First, what is the state required minimum coverage where you live? Second, what does the minimum cover? Third, what other coverage is available and can you afford it? And fourthly, what are you protecting?
What do the minimums cover?
Now that you know what your state requires, what are you actually covered for once you purchase the minimum? Using the coverage definitions that follow, find the types of coverage required and see what your state says is the accepted minimum.
Coverage Definitions
Bodily Injury Liability
Covers other people's bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Therefore, it's a good idea to have the same level of coverage for all of your cars. Bodily Injury Liability does NOT cover you or other people on your policy. Coverage is limited to the terms and conditions contained in the policy.
Comprehensive Physical Damage Coverage
Covers your vehicle, and sometimes other vehicles you may be driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. Coverage is limited to the terms and conditions contained in the policy.
Collision Coverage
Covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. Coverage is limited to the terms and conditions contained in the policy.
Medical Payments
Covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. Does NOT matter who is at fault. Coverage is limited to the terms and conditions contained in the policy.
Uninsured Motorist Coverage
Covers bodily injuries to you and your passengers when the other person has no insurance or not enough insurance in a crash that is not your fault. In some states, there is also uninsured motorist coverage for damage to your vehicle. Given the large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance. Coverage is limited to the terms and conditions contained in the policy
Personal Injury Protection Coverage
Covers within the specified limits, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him. The basic coverage for the insured's own injuries on a first-party basis, without regard to fault. It is only available in certain states.
Property Damage Liability
Covers you if your car damages someone else's property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object. Coverage is limited to the terms and conditions contained in the policy.
Rental Car Reimbursement
Covers renting a car if your car isn't drivable or while your car is being repaired because of a covered accident.
What else is available and can you afford it?
Did you come across a coverage and think, "I need that but it isn't required by state law" when you were reviewing the coverage definitions? Chances are you did. Can your budget afford the additional expense of these protections? Or maybe more to the point; can you afford NOT to have these additional protections? At CarInsurance.com it's easy to get multiple quotes all with a click of your mouse. And during the quoting process, it's simple to add or remove coverage to see how additional coverage will affect your budget.
What are you protecting?
What assets need to be protected from being plucked away if you cause injury or damage?
A) Your car itself. If this is a significant asset, or at least the bank you owe money to thinks so, then you will need comprehensive and collision.
B) Your net worth. Do you have an enormous net worth to protect. If so, either get it out of your name and into a trust or buy all the insurance you can. If you have little or nothing to protect, then you can get by with less and still be financially responsible.
However, after you determine how much protection to get, always ask how much more it is for the next level higher. Very often, you can get significantly more coverage for very little cost.
Car insurance isn't flashy. There is no "wow" factor and the opposite gender isn't going to be impressed by the size of your policy. But not having enough can be the difference between financial stability and financial ruin. For what its worth, CarInsurance.com finds financial stability incredibly appealing.
Visit http://www.carinsurance.com to Check Out Car Insurance Quotes
Copyright Erick Pace - http://www.carinsurance.com
How do I choose a good Insurance Company for my needs?
By: Matt Clarkson
It’s easy to see which company is least expensive, but when you need them to cover a claim, what kind of job will they do? To put it another way, which is the most reliable insurance company?
Here’s some quick tips to help you choose the right insurance company for you.
1. Visit your state's department of insurance and check consumer complaint ratios and basic rate comparison surveys.
2. Get in touch with local body medical practitioners you trust and ask which insurance companies they recommend.
3. Consider contacting an insurance agent for additional information about a particular insurance company.
4. Check out the financial strength ratings for an insurance company by referring to the A.M. Best and Standard & Poor's ratings.
There’s so much to think about when looking for the right insurance company; we’ve already found the best links below to help you get the right information fast.
The right information can go a long way when you're shopping for car insurance. You can shop for car insurance either online or face to face with a car insurance agent.
Some companies that sell car insurance policies online, as well as the companies that sell car insurance policies traditionally, can make independent decisions about the expenses they incur and the prices of their products. So you might not necessarily get the same quote with the one company either.
When you complete a quote make sure the car insurance company only collects information necessary to provide accurate car insurance quotes. And ensure the information is limited to people involved in processing this information for sales, customer service or claims service.
Also for coverage purposes, sometimes all family members of driving age who are residents of your household might need to be listed on your car insurance policy to protect both you and the insurer. So don’t forget to ask and make sure everyone is either covered or excluded.
What is the car insurance definition of an accident?
Accidents include at-fault, not-at-fault, reported and unreported collisions that you, as the driver, were involved in. Not at fault occurrences in which your parked vehicle was damaged in a collision also are considered accidents.
About the author:
The Free Information Online website is designed to help people find unbiased advice and tips with out the worry of any high pressure selling.
For more free and unbiased advice go to…
http://www.freeinformationonline.com
It’s easy to see which company is least expensive, but when you need them to cover a claim, what kind of job will they do? To put it another way, which is the most reliable insurance company?
Here’s some quick tips to help you choose the right insurance company for you.
1. Visit your state's department of insurance and check consumer complaint ratios and basic rate comparison surveys.
2. Get in touch with local body medical practitioners you trust and ask which insurance companies they recommend.
3. Consider contacting an insurance agent for additional information about a particular insurance company.
4. Check out the financial strength ratings for an insurance company by referring to the A.M. Best and Standard & Poor's ratings.
There’s so much to think about when looking for the right insurance company; we’ve already found the best links below to help you get the right information fast.
The right information can go a long way when you're shopping for car insurance. You can shop for car insurance either online or face to face with a car insurance agent.
Some companies that sell car insurance policies online, as well as the companies that sell car insurance policies traditionally, can make independent decisions about the expenses they incur and the prices of their products. So you might not necessarily get the same quote with the one company either.
When you complete a quote make sure the car insurance company only collects information necessary to provide accurate car insurance quotes. And ensure the information is limited to people involved in processing this information for sales, customer service or claims service.
Also for coverage purposes, sometimes all family members of driving age who are residents of your household might need to be listed on your car insurance policy to protect both you and the insurer. So don’t forget to ask and make sure everyone is either covered or excluded.
What is the car insurance definition of an accident?
Accidents include at-fault, not-at-fault, reported and unreported collisions that you, as the driver, were involved in. Not at fault occurrences in which your parked vehicle was damaged in a collision also are considered accidents.
About the author:
The Free Information Online website is designed to help people find unbiased advice and tips with out the worry of any high pressure selling.
For more free and unbiased advice go to…
http://www.freeinformationonline.com
The Car Insurance Rate Calculation Explained
By: Andrew Bowen
Different companies will apply different factors to the way they finally arrive at a price for your Car Insurance. Generally speaking though the concept is the same. This involves collecting various bits of information from you and feeding it through a computer system which adds or takes away money depending on the answers you give. The value put on these answers is decided by the individual Car Insurance company. For example, some Car Insurance companies may believe that having a speeding conviction increases your chance of having an accident in the future - therefore they may add money to your price if you have such a conviction. Similarly, some Car Insurance companies may decide that because you have a lot of No Claims Bonus Years then you are less likely to claim - therefore they may discount your price. All in all there are around 30 different factors that may affect your final premium. Now you can see why you get such a difference in the price of your Car Insurance by going to various companies. Each company will have it's own view of what they believe should be assigned to each answer you give. The Car Insurance quote you get through the http://www.acceptdirect.co.uk website will look at lots of different Car Insurance prices from lots of companies. That way you can get the best possible price for your profile.
Copyright (c) 2004 Accept Direct Limited http://www.acceptdirect.co.uk
About The Author
Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct offer car insurance to UK customers through their website http://www.acceptdirect.co.uk
Different companies will apply different factors to the way they finally arrive at a price for your Car Insurance. Generally speaking though the concept is the same. This involves collecting various bits of information from you and feeding it through a computer system which adds or takes away money depending on the answers you give. The value put on these answers is decided by the individual Car Insurance company. For example, some Car Insurance companies may believe that having a speeding conviction increases your chance of having an accident in the future - therefore they may add money to your price if you have such a conviction. Similarly, some Car Insurance companies may decide that because you have a lot of No Claims Bonus Years then you are less likely to claim - therefore they may discount your price. All in all there are around 30 different factors that may affect your final premium. Now you can see why you get such a difference in the price of your Car Insurance by going to various companies. Each company will have it's own view of what they believe should be assigned to each answer you give. The Car Insurance quote you get through the http://www.acceptdirect.co.uk website will look at lots of different Car Insurance prices from lots of companies. That way you can get the best possible price for your profile.
Copyright (c) 2004 Accept Direct Limited http://www.acceptdirect.co.uk
About The Author
Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct offer car insurance to UK customers through their website http://www.acceptdirect.co.uk
Shopping Online For Car Insurance
By: Scott Patterson
Right now there are many companies all trying to get you to buy their particular insurance plan for your car. From quacking ducks to talking lizards, there is an overabundance of advertisements, all done with the intent to get you sign up for their company.
But which one is right for you?
One of the better solutions that I found is to go online and compare the different automotive insurance policies. That way, it is easy to find one that fits your particular situation. In addition, I have found that utilizing the Internet is the best way to save money.
Before you go out and buy from the first company that offers you a car insurance policy, it is important that you understand which items are important for protecting you and your assets.
As you probably know most insurance policies look the same. So it is important to understand both the company and your unique situation.
First you should decide the maximum amount that you can use to pay for your insurance. This step means a careful analysis of your budget. It is a question of how much you can afford.
This leads to our second item for consideration. How much do you need to cover? For people that have a lot of assets, it is vital that they get enough insurance to personally protect their money in case of a catastrophic accident.
Many penny pinchers elect to get the lowest coverage. While it important to save money, it is equally important to prevent one accident from wiping you out. The funny thing is that even if you do elect for lower coverage, you wind up not saving that much money.
The next step is to check out the individual car insurance companies. As a result, it is vital that you get quotes from at least five different auto insurance companies. The method that I use is to go online and compare some of the top companies that show up. Here is a brief list of companies that offer top-rated car insurance:
• 21st Century Insurance
• Geico
• USAA
• Safeco Insurance
• MetLife Auto
• Liberty Mutual
• AllState
• Unitrin Direct
• eSurance
• Progressive
• State Farm
• AIG Auto Insurance
• GMAC Insurance
• Nationwide
• Eastwood
• Amica
• AAA
Once you find quotes from different companies, you should create a strategy of the various costs involved with purchasing car insurance. This includes deductibles, collision, comprehensive, and the total costs. For each company, try to get quotes on different levels of coverage. That way, you can develop an accurate portrayal of the price for each car insurance quote.
The final step is to understand how much each company will cover. While you might save money from one particular company, they might offer little to no coverage in case you get into an accident. While you might save some cash in the short term, the long term consequences could be disastrous.
When you have done your analysis, you will have a list of companies that offer quality insurance at an affordable price. With a little effort and research, you can properly cover yourself within your budget requirements.
Article Source: http://www.articledashboard.com
Scott Patterson is the webmaster of Discount Auto Insurance Information. For more information, be sure to check out his site.
Right now there are many companies all trying to get you to buy their particular insurance plan for your car. From quacking ducks to talking lizards, there is an overabundance of advertisements, all done with the intent to get you sign up for their company.
But which one is right for you?
One of the better solutions that I found is to go online and compare the different automotive insurance policies. That way, it is easy to find one that fits your particular situation. In addition, I have found that utilizing the Internet is the best way to save money.
Before you go out and buy from the first company that offers you a car insurance policy, it is important that you understand which items are important for protecting you and your assets.
As you probably know most insurance policies look the same. So it is important to understand both the company and your unique situation.
First you should decide the maximum amount that you can use to pay for your insurance. This step means a careful analysis of your budget. It is a question of how much you can afford.
This leads to our second item for consideration. How much do you need to cover? For people that have a lot of assets, it is vital that they get enough insurance to personally protect their money in case of a catastrophic accident.
Many penny pinchers elect to get the lowest coverage. While it important to save money, it is equally important to prevent one accident from wiping you out. The funny thing is that even if you do elect for lower coverage, you wind up not saving that much money.
The next step is to check out the individual car insurance companies. As a result, it is vital that you get quotes from at least five different auto insurance companies. The method that I use is to go online and compare some of the top companies that show up. Here is a brief list of companies that offer top-rated car insurance:
• 21st Century Insurance
• Geico
• USAA
• Safeco Insurance
• MetLife Auto
• Liberty Mutual
• AllState
• Unitrin Direct
• eSurance
• Progressive
• State Farm
• AIG Auto Insurance
• GMAC Insurance
• Nationwide
• Eastwood
• Amica
• AAA
Once you find quotes from different companies, you should create a strategy of the various costs involved with purchasing car insurance. This includes deductibles, collision, comprehensive, and the total costs. For each company, try to get quotes on different levels of coverage. That way, you can develop an accurate portrayal of the price for each car insurance quote.
The final step is to understand how much each company will cover. While you might save money from one particular company, they might offer little to no coverage in case you get into an accident. While you might save some cash in the short term, the long term consequences could be disastrous.
When you have done your analysis, you will have a list of companies that offer quality insurance at an affordable price. With a little effort and research, you can properly cover yourself within your budget requirements.
Article Source: http://www.articledashboard.com
Scott Patterson is the webmaster of Discount Auto Insurance Information. For more information, be sure to check out his site.
Why Should I Purchase My 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.
About the Author
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides free insurance information and offers discount auto, life and home insurance that you can research in your pajamas on his website
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.
About the Author
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides free insurance information and offers discount auto, life and home insurance that you can research in your pajamas on his website
Car Insurance Quote
By: Adrian Pitt
Cheapest Car Insurance UK
Powerseeker is a leading online car insurance provider that specialises in looking for the cheapest car insurance in the UK. Along with the lowest rate of interest, it pinpoints insurance that can be procured without the bother of innumerable phone calls.
The car insurance sector in the UK has become increasingly competitive and marked by low tariffs over the past few years. Despite that up to two million people in the UK drive without insurance, causing injury to other people including passengers and damage other people's property. Price-based competition has not only led to reduction in overheads but also the arrival of price slashing entrants resulting in lower premiums and some of the cheapest car insurance quotes.
The Internet is the best place to start searching for the cheapest car insurance quote. It has to be searched for, evaluated and contrasted across the market before a decision of choosing the cheapest car insurance quotes in the UK can be made. This is so because the difference between the highest and lowest quotes can be astounding. At Power Seeker, our insurance advisors say that it is wise to browse through more than one 'comparison website' (that enables review of offers and options for a one-stop 'policy overview') because different websites might deal with different companies with varying quotes and premiums.
Our insurance providers have provided us with a handy list of tips that can be used to acquire the cheapest car insurance quotes and premium:
Buy Online: Many insurers grant percentage discounts for buying car insurance online.
No Claims Bonus: A personal discount is obtainable for driving 'claim free' during the period of insurance.
Parking: If you park your car in a locked garage overnight and during the day and do not drive your insured car to work, the premium would be reduced.
Alarm: Guard against theft by adding a standard alarm and immobiliser.
Mileage: The premium is also reduced if your average mileage per annum is less than 12,000 miles.
Excess: Opting to pay a higher excess can lower your premium.
Trade Value : If the 'trade value' of your vehicle is not high then it may be worth downgrading your cover -- Fully Comprehensive', 'Third Party Fire and Theft' and 'Third Party Only'.
Driving Tests: Clearing tests conducted by recognised institutes like the Royal Society for the Prevention of Accidents and the Institute of Advanced Motorists can get you heavy discounts on car
insurance premiums.
Consolidation: Consolidate multiple insurance policies. Try and use the same insurance company for more than one vehicle.
Nowadays, there are innumerable cheap car insurance providers in UK who claim to give competitive car insurance quotes online. But as a potential car insurance buyer you should also know that the policy should not only provide value for money but also be modified to suit particular needs. An in-depth study and comparison of car insurance quotes will help in getting an ideal insurance quote for your car.
About the author:
Copyright 2005, Adrian Pitt
I write articles for http://www.powerseeker.co.uk/,which provide free Online car insurance quote in UK.
Cheapest Car Insurance UK
Powerseeker is a leading online car insurance provider that specialises in looking for the cheapest car insurance in the UK. Along with the lowest rate of interest, it pinpoints insurance that can be procured without the bother of innumerable phone calls.
The car insurance sector in the UK has become increasingly competitive and marked by low tariffs over the past few years. Despite that up to two million people in the UK drive without insurance, causing injury to other people including passengers and damage other people's property. Price-based competition has not only led to reduction in overheads but also the arrival of price slashing entrants resulting in lower premiums and some of the cheapest car insurance quotes.
The Internet is the best place to start searching for the cheapest car insurance quote. It has to be searched for, evaluated and contrasted across the market before a decision of choosing the cheapest car insurance quotes in the UK can be made. This is so because the difference between the highest and lowest quotes can be astounding. At Power Seeker, our insurance advisors say that it is wise to browse through more than one 'comparison website' (that enables review of offers and options for a one-stop 'policy overview') because different websites might deal with different companies with varying quotes and premiums.
Our insurance providers have provided us with a handy list of tips that can be used to acquire the cheapest car insurance quotes and premium:
Buy Online: Many insurers grant percentage discounts for buying car insurance online.
No Claims Bonus: A personal discount is obtainable for driving 'claim free' during the period of insurance.
Parking: If you park your car in a locked garage overnight and during the day and do not drive your insured car to work, the premium would be reduced.
Alarm: Guard against theft by adding a standard alarm and immobiliser.
Mileage: The premium is also reduced if your average mileage per annum is less than 12,000 miles.
Excess: Opting to pay a higher excess can lower your premium.
Trade Value : If the 'trade value' of your vehicle is not high then it may be worth downgrading your cover -- Fully Comprehensive', 'Third Party Fire and Theft' and 'Third Party Only'.
Driving Tests: Clearing tests conducted by recognised institutes like the Royal Society for the Prevention of Accidents and the Institute of Advanced Motorists can get you heavy discounts on car
insurance premiums.
Consolidation: Consolidate multiple insurance policies. Try and use the same insurance company for more than one vehicle.
Nowadays, there are innumerable cheap car insurance providers in UK who claim to give competitive car insurance quotes online. But as a potential car insurance buyer you should also know that the policy should not only provide value for money but also be modified to suit particular needs. An in-depth study and comparison of car insurance quotes will help in getting an ideal insurance quote for your car.
About the author:
Copyright 2005, Adrian Pitt
I write articles for http://www.powerseeker.co.uk/,which provide free Online car insurance quote in UK.
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