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richpro11's Blog

July 29, 2009

If you are looking for car insurance or already have car insurance, then you might have found there is a vast difference in price quotes. Keeping your car insurance low can be tricky, but if you know where to look and what not to do then you can get a really good price.

Look around

The easiest way to keep your car insurance low is to look at as many different lenders as you can. There is a great variation in the quotes you can receive so shopping around can really pay off. Looking at online lenders is the quickest way to compare prices, but you should also look at your local high street lenders as well.

Look at insurance before you buy

Before you buy a car it pays to look at insurance. You may have found a great deal on a car but if the insurance price is too high you may be paying more than you want to. Compare the price of new and used cars, and how much it costs to insure each model.

Ask for a high deductible

Having a high deductible, or the amount you have to pay before the insurance works, can lower the costs. Having a higher deductible means that your overall yearly payment will be less. However, remember to have the deductible money set aside, and that if you need to make a small claim the high deductible might not be cost effective.

Have low cover on old cars

If you have an old car, it may not be cost effective to have comprehensive insurance on it. If the premium you are paying is more than one tenth the cost of the car, then you should reduce your policy to lesser coverage.

Maintain good credit

If you have a good credit rating then insurance is much easier to get hold of and you can get better rates. Make sure that you pay bills on time and stay within your means and you will get better deals on all types of insurance.

Keep your mileage low

Another way to keep car insurance low is to drive less. Many car insurance companies offer lower rates for people who keep their yearly mileage low, as there is less risk of accidents or car failure. If you can drive less or share work driving with someone this can lower your premiums.

Be economical

When choosing a car, try and pick one that has good reliability and low fuel consumption. These factors don?t mean you have to lose out on luxury or features, but will help to keep your insurance low. If you have an economical car and keep driving to essential journeys then you will definitely save money on your insurance. Even if you are a new driver or have a high-powered car there are deals to be had as long as you shop around and are willing to compromise.

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Keeping, Your, Car, Insurance, Low

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Car Insurance: My Idiotic, Stupid Attempt To Do So

July 29, 2009

I don't usually get mad about something that should be simple. I've found that life is way too short to waste time and get mad about things that are beyond your control.. And for good reason. Simple things should be, well, simple. But when the simple becomes complex, I get frustrated, which isn't good for anyone involved.

I found myself at the end of my rope a few years ago, trying to get new a car insurance quote for my 1998 Honda Accord. This was before I found out about getting online auto insurance quotes, and how easy, and quick it was. I was standing in a car insurance agent's parking lot, on a cold California morning (yes, there IS such a thing), waiting for a woman to take pictures of my car.

Unfortunately, I remembered my appointment, but the woman taking pictures obviously didn't. She hadn't arrived at the office yet. Her assistant, a rather large, dour Hispanic lady, had opened the offices, and was the first one there. Her expression was anything but eager and happy. Just my great luck.

?Could you wait just a few minutes??, the opening lady asked. ?Our girl is stuck in traffic, and running late. She'll be here in just a few minutes.?

What choice did I have? It was a little after 8:00 in the morning. I couldn't speak badly about her attitude, because that morning, I had a attitude myself. I was hungry. I needed my morning ham and cheese croissant and chocolate milk, but rushed to get to the insurer's office. And now, I was stuck, wasting time, and getting hungrier by the minute.

I thought about going somewhere else, but the place I could get another quote was a good 5 miles away, which was about 30 minutes away in morning rush hour traffic. I had set up a quick one-two schedule that morning. I was going to finish up my insurance, then rush down to a 8:30 DMV appointment down the street with my new insurance paper, so I could register my car. I'm just a creature of habit that way. I'm also usually very calm. But my calm was slowly leaving me.

The simple had become complex. Arrrrgh.

It was now 8:10. I was calculating that I had mere minutes before I had to leave for the DMV. But without the car insurance papers, though, I wasn't going to get anything done.

?Can't we just get all the other paperwork out of the way, and take the photos last??, I asked the lady.

?I'm sorry, we can't,? the co-conspirator replied. ?She be here in just a few minutes.?

I think that I would have been OK with that standard, dry reply, if not for the semi-rude demeanor of this obviously inconvenienced lady, a mix of ?keep-your shirt-on?, and ?take-it-or-leave-it.?

Whatever happened to ?the customer is always right??

It was now 8:15. My DMV appointment had officially been blown. ? I have to go,? I said. ?Just forget it all,? I said, trying to cover up my anger.

?All right sir. Have a nice day.?

That's all I got. No apologies. No ?sorry for the inconvenience?. Not even, ?thanks for trying?.

As I was walking out the door, the phone rang. I stopped, just in case it was the camera girl, saying that she be there in seconds. Miss Sunshine picked up the phone.

?Hello?...where are you?...what?...well, get here when you can...bye.?

She hung up the phone and turned to me. ?She was in a car accident on the way here.?

I just stared blankly at her for about 3 seconds. How ironic. I shook my head, and walked out the door.

Now, knowing what I know about the convenience and speed of the Internet, I wouldn't have done it that way.

Do yourself a favor, save some time, and get a free online car insurance quote from insurance-info-center.com. It only takes a few minutes, there's no obligation, and the smiling lady on the front page is WAY nicer looking than the grump I had to deal with that day. Take a few minutes and fast and free online auto insurance quote. It could save you $450 or more on your auto insurance.

Car, Insurance:, My, Idiotic, Stupid, Attempt, To, Do, Something, I, Should, Have, Done, Online, Pt., 1

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Some Of The Best Ways To Find Cheap Car Insurance

July 28, 2009

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

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

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

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

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

Some, Of, The, Best, Ways, To, Find, Cheap, Car, Insurance

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Car Insurance - Safety First Child Restraints

July 28, 2009

September 2006 will see the introduction of new laws regarding child restraints in cars.

Current laws state: -

? Children aged three to 11 (inclusive) and less than 150cm tall are permitted to travel in an adult seat belt if no child restraint is fitted.

New legislation says: -

? Children aged three to 11 and under 135cm have to be seated in child seat or booster (designed to be used with an adult belt), suitable for their age and weight.

Children taller than 135cm (4ft 5ins) or aged 12 or over must wear an adult seat belt where one is fitted.

The driver is responsible for ensuring these rules are complied with until the child reaches the age of 14, when they must take responsibility for their own safety.

The Department of Transport believes that, by making sure that children are securely restrained and not allowed to use adult seatbelts until they are sufficiently tall for them to work in the proper manner, 2,000 child injuries and deaths will be prevented.

The penalty for failing to comply with these regulations will be a fixed penalty fine of ?30 or, if the case proceeds to court, a fine of up to a maximum of ?500.

Exceptions will be allowed in emergencies, cars without seatbelts, and when children are passengers in taxis.

Information on child-seat safety can be obtained from the Child Accident Prevention Trust, http://www.capt.org.uk or from the government?s website http://www.thinkroadsafety.gov.uk there?s a question and answer section on government website which is very comprehensive and seems to answer every question you could think of.

There?s a good choice of car seats available, and you should always ensure that they are made to conform to the European Union safety standards. For a young child it?s probably worth investing in a seat that can be adjusted as your child grows.

For an idea of what you?d have to pay for a seat that would take your child from 9 months to 12 years, the Recaro Start seat can be bought for around ?200.

There?s the Evolva 23 seat, from Britax, which is adjustable and suitable for children weighing from15kg to 36kg and up to 135cm (4ft 5ins). The back of the seat can be extended as the child grows, so that the head is always supported. This costs around ?65.

For a baby of up to 9 months, or around 13kg, a rear facing approved car seat is acceptable, fitted on either the front passenger seat or in the back of the car. It must no be used in the front if an airbag is fitted.

It?s extremely important that the seat is fitted properly, and many suppliers offer a fitting service. Do remember that it?s important that before you have the seat fitted; make sure it fits your child.

The 18 September is the date that the Department of Transport is aiming for, so remember, after this date you need to comply with the new rules.

These laws are to be taken seriously. Parents and regular carers are not the only ones who need to be ?car seat ready?. You may occasionally take your, say 9 year old, grandchild out with you. The big difference there is that, prior to September 18; no special steps had to be taken. After this date you?ll need to equip yourself with a seat or booster.

If you are in the unfortunate position of being involved in an accident, and if your child or children are not travelling in an approved car seat or booster, your insurance may not be willing to pay out, resulting in what could be a considerable personal claim against the driver, whose responsibility it is.

Parents and (even occasional) carers please take note.

Car, Insurance, -, Safety, First, Child, Restraints

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How can I save on my Car Insurance?

July 27, 2009

We all want to save money and a big chunk I pay every month goes to my insurance company. Here are some ideas to save you some money.

Compare rates by finding sample rates at NAIC.org. You can also compare multiple companies at insweb.com except for allstate, progressive and state farm. Make sure your premium is in line with what other companies charge.

Up your deductible ? mine?s at $1000. Yes, it seems scary, but the average claim is every 8 years and in that time I?ve had more than saved $1000. Also, if your older car is worth less than $2000, drop your collision and comprehensive coverage. You?ll save enough in premiums in a few short years to pay for the car. Check kbb.com or Edmunds.com for used car values.

If I get in an accident, will my rates rise? Some insurance companies want you to pay 7-15% more on the front end for ?forgiveness? in your first accident. But if you?ve been with a company for 5 years, they?ll usually do it anyway. Check.

This tip will cost you money but could save you a boatload if you are in an accident. The state has minimum requirements for insurance coverage. Like, $50,000 per person, $100,000 per accident. Well, I increased mine to $100,000 and $300,000 and it only cost me about $3 per month. But with rising medical costs and lawsuits, this protects my assets ? yes ? my house and my other unsmashed car.

Now, more than before, your credit score has an effect on your insurance premiums. Make sure its OK at annualcreditreport.com. You can get one free credit report per year. Of course they want to keep your credit score number a secret and you have to pay for the actual number, but just use the free information to make sure your credit is OK. Premiums are based upon your driving record, type of vehicle and credit score.

I hope these tips can help you save money on your car insurance. We consumers can use all the help we can get.

How, can, I, save, on, my, Car, Insurance?

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