Posts Tagged ‘ car insurance ’

Using Car Insurance Comparison Web Sites to Find the Best Rates

Guest Post

In reason # 10 of 11 Ways to Cut Your Car Insurance on this site, the suggestion was made to “Shop, shop, shop!”—but you need a way to do that quickly and efficiently. Car insurance comparison websites enable you to gather information and rate quotes from the largest number of carriers in the shortest possible amount of time.

The goal should be to get cheap car insurance, and not just cheap, but sufficient coverage to make certain you’re adequately protected and in compliance with legal requirements. After all, that’s the whole point of car insurance, isn’t it?

Car insurance comparison web sites as a source of information

How Traffic Tickets Affect Car Insurance – And What You Can Do About It

Guest Post

How might tickets and accidents affect your car insurance premiums? One speeding ticket in the last three years will likely not have a significant impact on your car insurance rates, unless it is a teenage driver. However, multiple tickets and accidents most certainly will impact your rates.

If you have experienced a large increase in car insurance premiums your best bet is to take time to receive comparison auto insurance quotes from competing insurance companies.

All insurance companies are not equal

The reason why it is important to request comparison car insurance quotes is because insurance companies charge differing amounts of money when tickets and accidents accumulate. Some insurance companies essentially want you to take your business elsewhere by increasing your rates substantially, while other companies will make your rate increase more reasonable.
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Driving While Distracted: Driver Distractions, Auto Accidents And Your Car Insurance Rates

Distractions draw your attention away from the road whenever you’re behind the wheel. On any given day, you might confront thousands of things that cause you to divert your attention or take your mind off traffic. Some are necessary. Stop signs, merging vehicles, traffic lights, and construction crews all must be acknowledged. On the other hand, cell phones, texting, reading, and putting on makeup should be avoided while driving. These and countless other distractions dramatically increase the risk of causing an accident. That will cause your car insurance rates to climb.

Below, we’ll share a few statistics that will demonstrate the extent to which talking on the phone impairs your ability to drive safely. We’ll then take a look at other activities that can pull your attention away from the road. You’ll also learn how a single mistake due to distracted driving can influence your auto insurance rates for years to come.
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11 Ways to Cut Your Car Insurance

By Kevin M

It’s often said that the only two things that are certain in life are death and taxes, and while that’s true enough, if you own a car you can add car insurance to that short list. Car insurance is virtually mandated in most of the Western world, and since you have to pay it, it helps to keep it is inexpensive as possible.

How do you do that? There may be 100 ways, but I’ve identified at least eleven.

1) Carefully chose the car you buy. Much of the cost of car insurance is set when you purchase your vehicle. Higher priced vehicles, certain model types as well as newer cars generally cost more to insure. Before buying your next car, you might want to get insurance quotes to see what it is you’re setting yourself up for. Once you own the car, it will be too late.
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How to Find the Best Car Insurance Policy

By Edward Pacheco

Everybody who drives must have car insurance. After all, it’is required by law. The problem in some cases is that insurance can be quite expensive. In rare instances it can even be flat-out unaffordable. In order to find the best car insurance policy for you, or your family, it is important that you do your due diligence. By taking a systematic approach to car insurance you will be able to make sure you are getting the best deal available.

In a day and age where money is so tight it’s reassuring to know that you are not overpaying for these services. I don’t know about you, but I am able to sleep a little easier at night knowing that I am not leaving any money on the table. If you really dig deep, and look hard, there are car insurance policies out there that will fit just about everyone’s needs at a realistic price. The key is to know what you are shopping for and to not make any quick decisions.

One Good Reason NOT to Cancel Your Collision Coverage

By Kevin M

Conventional wisdom holds that once a car reaches a certain age and book value that the collision coverage portion of an auto insurance policy be canceled. But I may have stumbled upon a compelling reason why you might not want to drop the coverage no matter how low the book value of your car.

My wife and I own two cars, both of which have long since been paid off and at least one of which has a book value low enough that most financial advisors would recommend dropping collision. However, as both cars are of advanced age, we’ve been renting vehicles for the two or three long distance trips where flying doesn’t make financial sense. This saves a small fortune over the purchase of four round trip air fares and gives us use of a late model vehicle a good distance from home.

When renting a vehicle, one of the requirements of car rental companies is current and adequate auto insurance coverage, including collision and comprehensive. Had we dropped our collision coverage, we would be required to pay for coverage through the rental company.

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