Thursday, April 30, 2009

Cheap Auto Insurance For Those Under 25

Cheap Auto Insurance For Those Under 25

Certain age groups get cheap auto insurance very easily. A few age groups, on the other hand, are considered high risks. The importance of knowing the perception insurance companies have of your age group cannot be overemphasized. Moreover, unless you've read widely in car insurance, you could be missing discounts that are available to you. I must also note that you can either make saving because of, or in spite of, the age bracket you belong to.

If you belong to a low risk age group, you're at an advantage. On the other hand, if you are above fifty, you're part of a very low risk group. This entitles you to some concessions. But bear in mind that you'll not be entitled to such concessions if your driving record is a poor one.

Is there anything those who find themselves in high risk age brackets can do? Simple -- Get married. This will increase your chances of getting cheap auto insurance.

It is an accepted fact that the under-25 years age bracket has the most reckless set of drivers for obvious reasons. The lower the age group the higher the likelihood of recklessness in driving. This is because as people move away from teen years to adulthood, they learn lessons in life that generally make them more careful. In addition, you can count on teenage boys to be wilder on the road than their female counterparts. Compared with the girls, boys within this age bracket will cost more to insure.

Your car insurance premium will be affected by these and other such factors. However, due to its sobering effect, marriage reduces the high risk associated with the under-25 age group.

Anyone who remains reckless after getting married is likely to remain reckless for life. The arrival of a child increases this sense of responsibility even more. Your driving is an area that benefits greatly from the change because you'll be compelled to be more careful because of your loved ones. This is why getting married makes it easier for you to get cheap auto insurance.

We all understand by now that the higher the age group you belong to (below 70) the lower your car insurance premium given a similar profile. Therefore, your car insurance premium can be lowered dramatically by being on your parents' car insurance policy.

To use this option your car has to be registered in your parents' name. Has that removed the attractiveness? Apart from this, any young person who wants to follow this route has to live with their parents. This makes it even less attractive. Independence comes at a cost -- Responsibilities.

Many factors determine if you can get cheap auto insurance. How your age affects you car insurance has been the subject of this article. However, you must note that its relevancy score will not be the same in every insurance company. There will, therefore, be a disparity in the quotes you get from different insurance companies. It is not unusual to have difference of $1000 for a comparable profile and coverage. This is why getting and comparing quotes from different companies is key to getting cheap auto insurance. Go get and compare auto insurance quotes now.

Here are my favorite car insurance quotes sites...

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Chimezirim Odimba writes for Car Insurance.

Wednesday, April 29, 2009

Find a Cheap Car Insurance Company

Find a Cheap Car Insurance Company

Why would you want to continue to pay high premiums for your car insurance when thousands of individuals are finding better car insurance rates online. What you really want is a cheap car insurance company that offers uncompromising coverage at good affordable rates. You want to save money and you want it to be significant money. Most people find that they can actually save hundreds of dollars a year by using an online car insurance company. They also find they do not have to compromise their coverage. In fact some individuals can increase coverages and still find a cheaper rate for their car insurance. In tough economic times you want to be able to save any place you can and help to keep the personal budget in check. This is exactly what you will find with buying car insurance online.

Now is the perfect time to investigate a cheap car insurance company by using an online site and to some comparison shopping. You will find it quick and easy to compare rates and coverages. All you have to do is find a site and plug in your personal information. Within minutes you will receive several different quotes from several different car insurance companies. This is the perfect way to investigate and research your present coverage to those from other companies. If you are like most other people you will discover that you can save significant money by using the Internet to shop for car insurance. You can do all of this from the comfort of home and will never have to search through the phone book for insurance agents and make several calls that take and waste a lot of time.

In most cases you will be able to find all the big name insurance companies offer car insurance through the Internet. You do not have to worry about compromising your coverage or your service. These companies offer the best best service that you can find and will be glad to talk with directly if you have any questions about car insurance. You will find great value in dealing with a cheap car insurance company through the Internet and you will find their service and knowledge will meet and exceed your standards of excellence.

Finding This would be a great opportunity to do some research as a well informed consumer and review your car insurance policy. Then go online and check out the rates from other companies. Join the thousands of people who are using a cheap car insurance company and switching over to a new company and saving significant money.

Get More Information to help you in your quest to find a cheap car insurance company.

There are many companies online and I have found that This Site offers the best rates

Tuesday, April 28, 2009

What Type of Car Insurance Should You Choose?

What Type of Car Insurance Should You Choose?

It is a legal requirement in the UK that before setting out on public roads a driver and their vehicle must be insured. The absolute minimum level of cover required is third party, although there are other types of cover available and your personal circumstances will determine which one is best value for you.

For example, a young driver who owns a relatively inexpensive car may opt for affordable cover such as third party, whereas an affluent older driver with a prestige vehicle is more likely to opt for fully comprehensive cover.

Third party car insurance is usually the cheapest car insurance and typically will cover any other person involved in an accident, including passengers in the insured vehicle but not the insured person; and damage to other property, including to other vehicles, but not to the insured vehicle

However, if you own an expensive car and choose third party cover it could prove costly if you are involved in an accident for which you are deemed to be responsible. In such circumstances the cost of repairs to your vehicle will be borne entirely by you. Conversely, if your vehicle is damaged in an accident and someone else is found to be culpable then you will be able to claim the cost of repair from their insurers.

So, although third party insurance is far cheaper there is also a lot more risk involved for the insured driver. However, young people - especially those that have just passed their driving test - face steep car insurance premiums due to their age and relative inexperience behind the wheel. As such, third party insurance is a more affordable option especially if their car is not particularly valuable.

Another form of cheap car insurance - but one which offers slightly more cover - is third party, fire and theft. This works in exactly the same way as third party insurance except that if your vehicle is stolen or damaged in a fire, the cost of replacement or repair will also be included in the cover.

The type of car insurance that offers the most cover is known as fully comprehensive. Under such a policy everything that is provided under third party, fire and theft is included plus there is also a great deal more cover. Typically, comprehensive policies cover accidental damage to the insured person's vehicle, regardless of who is at fault and a host of other benefits that will vary according to the insurer offering the cover.

Indeed, because so much cover is offered with a fully comprehensive car insurance policy it is therefore the most expensive. Most people who own a brand new or nearly new vehicle will usually opt for comprehensive cover to insure their valuable asset; and many often believe that the extra premium cost is justified.

So, when it comes to deciding whether to opt for cheap car insurance or one that is more expensive, often it will be entirely personal choice. However, just remember that you must purchase it before driving on public roads.

Andrew Regan writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.

Monday, April 27, 2009

Bonus For New Drivers - Auto Insurance

Bonus For New Drivers - Auto Insurance

It is difficult for new drivers of 17 - 24 to get cheap insurance quotes. Research has shown that this age range pays more than a thousand dollars ($1000+) annually for car insurance. They make up about ten percent of license holders but they are responsible for about 25 percent of all collisions in a year. This is why many insurance companies shy away from providing car coverage for new drivers.

No doubt about the fact that new drivers find it difficult to get cheap auto insurance cover policies for their vehicles. If you are a new driver and you are in need for the best and ideal cheap auto cover program that is easy on your budget, visit trusted online providers websites and get quotes free. Study the quotes and then check for the availability of your specific car insurance need and the bonuses attached to it.

Knowing what you pay for is very important, so take your time to analyze the free quotes you got; also make sure you understand the vehicle insurance company's term and conditions for getting discounts and benefits.

If the car you drive is less than $500 in value then you should consider taking a third party only insurance cover. This type of car insurance coverage is not all covering but it is pointless taking a comprehensive coverage for such a cheap car. You can also go for a more conventional car with a small engine; avoid high performance vehicles like sport cars, install security devices like alarms and immobilizers in your car.

Do not fail to take all the necessary driving test, show your car insurance company proof of successful test completion with good grades. This will make them consider you further for lower rates.

Where To Get Best Car Insurance Service Online?


Free Quotes From Leading Auto Insurance Companies. Service Available In All States In The United States! By Iyke Phelim. Quality Service Providers. Loans. Insurance.

Sunday, April 26, 2009

Car Insurance No Claims Bonus Explained

Car Insurance No Claims Bonus Explained

No Claims Bonus is a term used to describe the number of years you have had Car Insurance without making a claim. Put simply, if you have had Car Insurance for 4 years and you have not made a claim in that time, then you have 4 years No Claims Bonus. No Claim Bonus is probably the single biggest factor affecting the cost of your Car Insurance premium. Every year that goes by without you making a claim is another year of No Claims Bonus.

Generally speaking, the more No Claims Bonus years you have, the cheaper your premium will be for the car you need to insure. This is because Car Insurance companies can see that your history regarding making any accident claim is a good one.

When changing provider, Car Insurance companies will usually ask you to prove your No Claims Bonus in the form of a renewal notice or a letter from your current Car Insurance company. If you have several years of No Claims Bonus but then make a claim, the Car Insurance company will usually apply it's rules of how much to knock back your No Claims Bonus Years. Some companies such as Accept Direct offer to protect your No Claims Bonus for an extra fee during the quotation process. Having full no claims bonus can also entitle you up to 75% discount on your car insurance premium.

Copyright (c) 2004 Accept Direct Limited car insurance

About The Author

Andrew Bowen is the CEO Accept Direct offer car insurance to UK customers through their website

Saturday, April 25, 2009

AAA Mexican Auto Insurance - Single Limits or Split Limits?

AAA Mexican Auto Insurance - Single Limits or Split Limits?

Even among experienced insurance personnel I find confusion reigns on the definition and application of the two types of Liability Limits. I see agents warning buyers to Beware of Split Limits, as if we might need to wash our hands after purchase.

Combined Single Limits i.e. CSL Limits of $50,000 or $100,000 apply to either Bodily Injury OR Property Damage. In other words, the maximum the insurance company will pay for covered damages that have been deemed to have been caused by you, (your fault) is $50,000 or $100,000. The loss can be all Bodily Injury or all Property Damage or any combination of the two, but the maximum amount covered is $50,000 or $100,000 depending on the amount of coverage you decide to purchase.

Split Limits such as $100,000 bodily injury per person/$300,000 bodily injury per accident/$100,000 property damage means that the insurance company is obligated to pay up to $300,000 in bodily injury claims depending on how many persons are injured & the extent of their injuries AND up to $100,000 in property damage claims.

So insider fans, hypothetically, which would you rather have,

A. $50k CSL or B. Split Limits of $50k per person/$50k per accident/$50k Property Damage? My preference at the bottom

TIP: We recommend a minimum limit of $50,000 Property Damage in case you knock heads with someone else's brand new SUV.

My Preference: B because I would have $50K BI AND $50K PD, a maximum of $100,000 protecting against loss versus $50k to protect against all potential loss in example A.

If you are confused or unsure in any way about about how much exposure you are willing to assume, consult your personal financial or legal advisor. The information above is meant to be used for general educational purposes only.

Linden Gray owner of Mexican Insurance Store is an international insurance veteran with over 29 years of wholesale, retail, and direct insurance experience. Mr. Gray has been featured in numerous offline & online publications including RV Magazine, The Press Enterprise,, Google News, Yahoo News, Digg and Buzzle. Visit his website for more information about Mexican Car Insurance

Friday, April 24, 2009

Why Take Chances? Get Insurance!

Why Take Chances? Get Insurance!

Risk is a part of life. The probability of one thing happening or the other is natural in any given situation: it's only when something undesirable can happen do we called it 'risky'.

Naturally, we want to avoid risky things, and in some way or the other, help ourselves get out of an unpleasant situation. Insurance is what we can do to make risk more acceptable.

Unfortunately, too many things can go wrong the minute we step out of our doors, and fortunately there are as many types of insurance! Despite the variety of it out here, they all operate on the same principle i.e. you have to pay a certain amount called a 'premium' and thus become the 'insured'. The body or individual whom you are paying the premium takes the risk upon him and is the 'insurer'. He calculates the premium on the assessment of the risk e.g. if you're often sick you will have to pay a higher health insurance.

Rather than being so simple, it gets more complicated than that. The insurance policy has lots of fine print that can get you into trouble. For example, if you forgot to put on a seat belt your respective company might not give you anything if you crash your car. So, first lesson is: always check the fine print.

There are many types but the most common are motor, home, life, travel and health insurance. Now which one a person wants to choose is completely depends on him. In case of a business, the owner would like to have fire insurance while a family of five would give health policy more priority. Illness and accidents would be covered by health and travel insurance protects from losses incurred while traveling such as theft of personal baggage and delays. A pet can also be insured for loss or death.

One may insure a house from accidental damage but you will have to pay extra for loss due to earthquakes or 'acts of God and War'. Cheap car insurances are quite common especially in the United States due to economies of scale, where you can even just insure your car with 'Weekend car Insurance! Despite its benefits, it can be expensive and can be quite high in some cases. Insurance cost depends on a number of factors. The cost can be alleviate if some precautions are taken, for example, life insurance should be purchased when one is relatively young, while car insurance should be obtained when you buy your car initially. In other words, insurance companies will always charge higher premiums if they see that the associated risk is high. When you buy your insurance when the risk is relatively less, you can get away with long term cheap premiums, or simply put, you have to outwit your insurer.

Getting insurance can result in saving one from extensive loss and help one recover from a situation which money might not be able to solve but helps a person or a family get back on their feet.

If you want to get Weekend car Insurance then you must go for cheap car insurance.

Thursday, April 23, 2009

I Was In An Accident, Will My Car Insurance Rates Go Up?

I Was In An Accident, Will My Car Insurance Rates Go Up?

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. answers many of the questions facing drivers today.

Wednesday, April 22, 2009

Insurance - Auto Ratings and Your Car-Buying Decision

Insurance - Auto Ratings and Your Car-Buying Decision

Here's a fact you may not even be aware of: the make and model of your car affects your insurance premiums.

When it comes to insurance, auto ratings matter. Ratings from major auto insurance providers in the US say the Ford 500 and the Ford Taurus 2008 say these are the among the best Fords to hit the road in terms of insurance costs. For insurance costs applied to bodily harm and damage to property, both Fords rank at the top and are charged significantly lower than what the standard premium rates call for. These cars also get discounts for ranking high in rating for damage and theft. The Dodge Avenger and Neon however, are at the bottom rung; driving either won't get you any vehicle safety discount (VSD) and your insurance costs will be significantly higher than what the standard premium rates are.

Before deciding to buy a car, know how your choices rank in the auto ratings provided by your insurance company. Consider rankings and ratings by other providers as well. Knowing your potential costs in car insurance is an important factor in making a sound economic decision. This decision has a direct effect on how much you'll have in monthly budget left for other needs. Consider which car makes and models save you the most money from car insurance. Auto ratings are excellent tools to help you narrow your choices down.

If you're not planning a purchase but are finding it hard to meet payments for your car insurance, auto ratings helps you deal with that problem. You can sell your current car or switch to a more cost-effective make and model.

JP Wilben is an auto insurance expert and the director of popular website BestCheapAutoInsurance.Com. Check out the site for more info on insurance auto ratings or better yet, get a quote today!