Is Pay As You Drive the Right Auto Insurance for You?

By Tom Martens

The Brookings Institution tells us that their studies find that 2 out of every 3 households in the United States would save money if they switch their auto insurance to a Pay As You Drive plan. Pay As You Drive insurance is based on the numbers of miles an insured's car is driven. They give you an incentive to drive less and lower your premiums.

Anyone can consider switching to a Pay As You Drive insurance program, but these programs really benefit low income and low mileage drivers. Low income drivers tend to also be low mileage drivers because of the high costs associated with frequent driving. While the amount of miles driven doesn?t impact premiums under a more traditional insurance program, high mileage driving does require spending more money on gasoline and auto maintenance and repairs. There is also more wear and tear on your vehicle, which means vehicles will need to be replaced more frequently.

Another benefit of Pay As You Drive is fairness. Under traditional coverage, low-mileage drivers subsidize the high-mileage drivers who pay the same premiums, but, because of how much time they spend on the road, are more likely to be involved in crashes. This inequitable subsidy is removed under Pay As You Drive. Higher-mileage drivers pay higher premiums, and lower-mileage drivers pay less.

Of course, not all low-mileage drivers are low-income drivers. Many people don't drive just because they care about the environment. The fewer miles people drive, the less automobiles contribute to greenhouse gases, and the less congestion there is on the road. Any driver interested in protecting the ecology should also consider Pay As You Drive.

Who else benefits from Pay As You Drive? Auto owners looking to save money in a tight economic environment should also consider these plants. Since premiums are computed on the basis of distance driven, there's a real reason to drive less?because the savings aren't limited just to gas costs. And don't forget, the fewer miles you drive each year, the more years you can drive your vehicle. Cars last longer when they are driven less.

Pay As You Drive insurance can be a benefit to almost any driver. Drivers interested in learning more about how Pay As You Drive insurance can save you money, protect the environment and help your vehicle last longer should contact a qualified insurance provider. This provider can answer your questions and help tailor a specific Pay As You Drive insurance program to help meet your driving and insurance needs. Remember, the average U.S. household can save $270 a year on insurance premiums just by switching to Pay As You Drive insurance.

About the Author:

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.

A Look into Car Insurance Costs

By Calvin Wapasa

Rather than the cost of many common things coming down, it looks that everything is going up especially the likes of gas, food, power and particularly auto insurance which has been steadily growing for a few years. The high price has made many low income family units to opt between paying for food and paying to protect their automobile - with this cost most frequently losing out. However, there is a great deal of money to be saved with the premium charged, if you know what to look for.

The driver's age will affect the motorcar insurance costs greatly as drivers who have not hit twenty five years of age are often penalize because of their perceived inexperience. In the United States, the figures establish this assumption to be right as the number of accidents or driving infractions are considerably higher in this age group. To recover the costs of these accidents, all people who are under the age of 25 are asked to pay higher premiums.

The type of motorcar you drive can also be a determining element in your car insurance cost and sports cars typically have the biggest insurance premiums while station wagons and older model autos have the lowest premiums. Newer cars and cars with higher values are also pricey to insure because the insurance firms is at a wider financial risk - if there is an accident and the car requirements repairs or in the event of it being wrecked. Great savings can be made just by buying an older vehicle or one with a better safety record.

Insurance Companies also look at a driver's history for accidents and convictions as this tells them about your driving ability and the risk they may be taking by insuring them. Insurance Underwriters also like to reward safe drivers with lower car insurance premiums as an inducement for good driving; they will increase the premiums for drivers who are not careful or do not worry about other peoples safety. This is mirrored in the amount of times a person who has previous accidents or tickets for moving violations will claim on their insurance policy against a individual with a clean driving record.

If you want to save cash on your automobile insurance on a long term basis then you need to take these points into consideration. Insurers employ other elements to calculate their premiums but the points mentioned here is the bulk of how it is worked out. By knowing what these factors are, an individual will be better able to control the price they pay for automobile protection.

About the Author:

Check Out: beekeeping advice and Beekeeping manual.

Motorcyle insurance benefits

By Ricky Anderson

When purchasing a car, you are required by law to have car insurance. It is however not mandatory to have motorcycle insurance in most American states.

Though your state may not see it fit to mandate insurance for motorcycles, it is still a wise idea to get a policy taken out for your two wheeler. The roads in the current day and age are dangerous and you can be up for litigation with one stupid mistake.

If your motorcycle were to get damaged in an accident, having insurance will mean you don't have to pay anything to get it repaired or if need be get a new one. Isn't it a good feeling to be able to go and ride the bike confidently without worrying about possible accidental damage.

Its not only for yourself " Even though you may be one of the safest riders in the world, bad things can still happen. It is thus helpful to have insurance cover when something that you do not expect happens.

There are many kinds of custom motorcycle insurance policies that you can get. There are those that cover the third party in case of an accident. This means that if you were to damage another car/motorcycle or injure a person, you would not be liable for the damage caused. You would however, not be compensated for injuries to you or damages to your bike. A comprehensive motorcycle insurance covers both you, your motorcycle as well as any third part in case of an accident.

No one knows what will happen and that is why custom motorcycle insurance is the best thing you can get to be certain that you are ready for every situation you will come across.

The best place to get insurance is to go to the same company that insures your car for you. You may want to scout for prices, but it is advisable to deal with an insurance company you are familiar with.

To conclude, do not shy away from motorcycle insurance simply because it isn't mandatory in the state you live in. As explained above, it can have a lot of advantages to both you and of course your bike!

About the Author:

Visit motorcycle quotes for the most in depth discussion on motorcycle insurance!

A Look into Insuring Your Old Car

By Calvin Wapasa

Having an old auto isn't just about ownership as many individuals take them to car shows and parade them as examples of the styles of years gone past but just like everyday automobiles they require insurance. Although you might think it hard to obtain, it is surprising how many [companies] can actually supply old auto insurance. This is obviously good for the person searching for the classic motorcar insurance as they have plenty of companies to choose from.

Mainstream automobile insurance firms are also now able to provide this type of insurance for antique cars which they have a name for; 'collectors automobile insurance'. Although the insurance policies may seem the same as regular automobile cover provides, they are not and the agent will require exact details of the car to be insured before a full quotation can be provided. They will also help you decide which types of coverage are within your target budget and which deductible and limit levels you will need.

These commercial insurance firms are able to provide you peace of mind as they are normally well established and therefore safe, in all likelihood with a large satisfied customer base so you know your antique auto will be safe with them. The other advantage of this type of insurer is their ability to arrange the protection on any other regular vehicle you own. Antique auto insurance with bigger companies that do not specialize in this type of policy may be more expensive but this is frequently worth the extra as they are well established.

It is possible to use specialist motorcar insurance companies and frequently the rates is lower because this is the only type of insurance they provide, this might mean that you will not be able to insure any other type of automobile with them. With the number of classic automobiles still around you will not be surprised to learn that even the insurance companies have, in some areas, specialized even further to provide cover for only one type of automobile.

If you are going to apply and independent old car insurer then first check that they can be trusted and have a loyal customer base before you part with any money. You do not want to find that after months of paying the insurance premiums that the company will not or is unable to pay your insurance claim.

Locating an old auto insurance company is not as straightforward as finding a regular automobile insurance provider but if you want to know your precious auto is protected, it must be done. By their very nature, classic motorcars are almost always irreplaceable and represent a big investment on the part of the owner so protection for these automobiles is an absolute necessity.

About the Author:

You welcome to check out: Honey Bees Beekeeping and beekeeping supply catalog for more information.

Why Car Insurance Write-offs Increase with Recessions

By Ryan Parker

In the face of the current recessions and its probable long financial dry spell there have been reports of increased car insurance write-offs of cars. On top of that there were also increases in the number of car accidents which led to write-offs. This strange occurrence isn't confined to this recession but has also been observed in other times of economic contraction.

This strange correlation between recessions and write-offs isn't statistically or logically related. There should not be a connection between these two occurrences as they should not affect each other but strangely they do and the worst thing is that the car insurance companies are taking notice of this.

The fact is that many people who are in financial difficulties will turn to insurance fraud to get themselves out of trouble. Some of these unscrupulous people will actively do damage on their own cars in the hope that their car insurance providers will cover their losses. Although it is a very despicable act, the problem of proving that these people have actually actively tried to deceive the insurance companies is difficult at best.

Some of these insurance fraudsters will even go to the extent of driving their cars into barriers, fire hydrants and even other motorists just to make their claim look more believable. They are even willing to risk their lives just for a chance at obtaining a claim. The sad part about all of this is that most of these people do not understand how the claims process works. It could be months even years before all due investigation is completed and you receiving your claims. By this time your financial situation would have changed substantially.

Some other individuals have even resorted to torching their cars or even reporting that it was stolen simply to get their car insurance claims come through better. These criminal acts are very obviously against the law and if even the slightest issue arises the insurance company is simply not going to pay your claims. There simply is no situation where you should ever be resorting to insurance fraud to either get a cash benefit or to get rid of you car.

Most of the time if you find that you are having a hard time servicing your car loans or even if you can't seem to sell your car and it is really becoming a liability, it still isn't worth it to resort to criminal acts and insurance fraud. You can sell you car for cheap and restructure your car loans in such a way that you can still pay them off effectively over time. If your car insurance is heavy then you can reduce your coverage or even changing your policy to a third party option.

These increased incidences of less than truthful write-off claims have a very negative impact on the rest of the people in the insurance pool in the company. As a customer of the insurance company you will have to pay for any of these write-offs through your increased premiums. The unfortunate truth is that most insurance companies know that this is happening especially in these troubling economic times, as such those that do not have a fixed policy will end up having to pay for the extra risk that is involved. There is almost no way to avoid this as every car insurance company will face the same issue and thus will penalize every policy holder equally for this just to make sure they don't see a loss.

Although authorities and insurance companies want to keep this to a bare minimum it really is hard to prove that insurance claims are fraudulent. For most of us other car insurance policy holders we will just need to understand that our rates are increasing simply because of these activities and plan accordingly. There is nothing else we can do except to accept it and understand that we aren't the only people that are penalized, everyone is getting it.

About the Author:

The cheapest Car Insurance Quotes available on the internet with us. You can't afford not to visit us.

Cheaper Car Insurance -- Special Savings Steps

By Chimezirim Odimba

Are you looking for cheaper car insurance? Here are special savings tips...

1. Joining an auto club could get you a discount with some insurance carriers. Even if this discount is negligible it's still some savings for you.

2. Have you checked with the associations you belong to if they have discounts from any insurer? It makes sense for an auto insurer to give group discounts to an association that has a large membership. Bearing this in mind, you'll do well to see if there are good discounts with any association you're part of.

3. You can get a considerable discount if your child does not use the car for a considerable period because he/she is away at school. If this applies to your child in college then do not fail to let your agent know about it. I must point out, though, that some insurers do not give this discount.

4. The difference in the cost of insuring comparably priced vehicles could be massive. Therefore, as you look out for the exceptional specs of the vehicle you want to buy don't forget to find out how much it typically costs to insure. Two things that will force you to pay more are a car's crash rating and theft rate.

Another thing to take into consideration is a car's maintainance cost as this is as well an issue that determines your auto insurance premium. With such diligence you can avoid buying a car that will make you pay much more in extra premiums over time.

5. Joining a car pool will help you get a lower rate. The simple reason for this is that it reduces your mileage. You'll pay less in direct proportion to how much carpooling reduces your total mileage.

6. Check if there is a group discount for company if it's a large one. In an effort ot attract members of large organizations, insurance companies often give them a group discount.

7. Those who live in crowded areas are more likely to have one form of car accident or another when compared to people who live in rural sparsely populated areas. It makes sense to live in a less congested area if it fits your circumstance because the risk of vandalism, theft or collision is far less. The more densely populated where you live is, the more difficult it will be for you to get really cheap auto insurance rates.

8. You might be able to bring down your rate if you take time to review your policy from time to time. It's interesting to note that a lot of people still pay for things they needed yesterday but no longer need for today. A good example is a case where a couple leave their wedded daughter on their policy for months or even a few years just because they did not remember.

There are discounts you might have qualified for. You might as well have "outgrown" the need for certain coverage types. Therefore, don't fail to go through your policy from time to time. Don't be surprised if you end up discovering you need to make adjustments or report changes that will result in considerable savings.

9. For no reason must you allow your auto insurance policy to lapse..It will sentence you to expensive rates for a considerable length of time. It's easy for this to happen to some people as they are changing to another insurance provider.

To avoid this, ensure the new policy is fully in in force before you cancel the previous one. It appear to be simple but, believe it or not, many people are paying a lot more simply because they made this mistake.

10. Do you have a car you've not driven in months? Do you have a broken car? Have you removed it from your auto insurance policy?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. Do you want affordable auto Insurance? Then don't ignore this.

11. Make out some time to visit a minimum of five insurance quotes sites that return quotes on auto insurance policies. It should take you around 25 minutes.

As you visit each site, ensure you give the same details. Doing otherwise will return misleading results. After you've received your auto insurance quotes, compare them to see which serves your interest best both in price and value.

About the Author:

Chimezirim Odimba writes on insurance.

Getting Cheap Automobile Insurance is Possible

By Graham McKenzie

If you own a vehicle that is using a public road for transportation, you need to make sure it has legitimate insurance. Although the task of finding automobile coverage at a good rate is a bit inconvenient for most, it is a necessity. This ensures every person and every motor vehicle will be insured in the event of an involvement of an accident.

Ultimately, automobile coverage is responsible for providing the funds that are needed to fix the automobiles, handle medical expenses if necessary, and any other expenses incurred from a wreck. Any person that is legal to drive a car, truck, or SUV, should carry some type of insurance. Locating a reputable insurance company that fits the budget is the hard part. The process follows.

Don't choose the first insurance provider you find. This is a big mistake and may cost you some big bucks. If you find a cheap insurance carrier, make certain you are getting the correct amount of coverage. Wouldn't it be irritating to crash your brand new vehicle, only to find out when you file a claim, the insurance company will only pay for half the value of the vehicle?

If indeed you locate a provider that fits your budget and the amount of coverage is good. Check with the review section, to find out what others think of this provider. This may sway your decision.

An individual that obeys traffic laws, doesn't have frequent crashes, is married and middle aged, will probably have a reasonably low amount due monthly. An insurance company usually doesn't provide more insurance than the price of the car. Kelly blue book is an accurate reference listing the prices of vehicles and their market value. Most insurance companies will look up your vehicle when it is claimed a total loss, and pay accordingly. Use caution here, if you paid more for your vehicle than it is worth, you won't be satisfied when you are in a crash that claims a total loss of your vehicle. The insurance company will pay the resale value of the car, regardless of what you paid for it.

Fast cars are more expensive to insure. Also new cars add to the base premium. When gaining insurance, age is irreversible, as is the incidents appearing on a past driving report. This can hinder a new car purchase, because you will have a monthly car payment, and most likely a high premium.

In most cases, a company that provides loans for vehicles legally bind the purchaser to getting the most coverage possible on the vehicle. The loan company wants fully compensated for the price of the vehicle, as a result of an accident. This type of coverage can come with a deductible. This means you will have to pay a set amount to get a vehicle repaired. You can lower a premium by raising the amount of the deductible. Also, make it known how safe the vehicle is, this decreases the premium, because there is a less likely chance of a death, injury, or theft.

About the Author:

Graham McKenzie is the content Syndication Manager at Insurance123.co.za South Africans leading car insurance information portal

Vehicle Insurance -- How To Get It Affordably

By Chimezirim Odimba

You'll save by being loyal to an insurer due to the long term discount and accident forgiveness which they give to long-standing policy holders. Depending on the insurer, you'll be eligible for a discount of 5% once you've stayed with them for between three and five years.

The accident forgiveness discount means that your insurer will not raise your rates if you file just one claim. Insurers offer these as incentives to keep you with them since it serves them better too.

But it will only be right for me to also point out that in spite of these incentives, you might actually gain more if you switch to another insurer.

You'll help reduce your rates if you always ensure you park your car in a safe place. Is there a risk of theft, vandalism or accidental damage where you park your car? Then look for a better place as doing otherwise might lead to a claim that will eventually increase your rate. I hope you also know that you'll pay less if you have a garage for your car.

Don't forget to always park your car in a well lit area when you're out. This is because thieves avoid well-lit areas but love operating in the dark. .And for no reason should you leave your car in the open street for a whole night.

Being part of associations, especially the big ones, will get you discounts on your auto insurance. Insurers give these associations group discounts in the hope that they will in that one move attract many of their members to buy an auto insurance policy with them. Bearing this in mind, you'll do well to see if there are good discounts with any association you're part of.

Drive carefully if you're truly serious about attracting affordable car insurance rates. It's a good decision to NOT drive at all once you have taken alcohol (even if it's simply a sip.

Traffic offences that have to do with having more than the allowed amount of alcohol in your system will make you attract quite astronomical rates. Even those speeding tickets eventually add up to make you pay higher rates over time. You'll be helping yourself if you obey all traffic laws always.

If you live in an urban area do your best to use the public transport system as much as possible. The less you use your car, the lower your mileage will be. If your mileage drops by a good margin, your rate will also drop. Therefore, don't use your car whenever it makes sense to do so.

Get more extensive protection for less atArizona Car Insurance quote and San Jose auto insurance

And...

You can save a lot of money in auto insurance if you get and compare auto insurance quotes from quotes sites. You'll realize savings if you go to only one quotes site. But keep this in mind, you will get better results by visiting at least five.

The plain reason for this is that you'll get many more auto insurance quotes from a wider range of insurance companies. This raises your chances of receiving better quotes.

About the Author:

Learn more here: cheap California teen auto insurance. Chimezirim Odimba helps people save on insurance.

How to Insure Your Sports Car

By Tom Martens

It is a dream of many drivers to own a sports car, but they can be a nightmare to insure. However, there are ways to get the insurance coverage you need without blowing your budget.

When you look for quotes on policies for your sports car, always get more than one quote. Always check with the competition to see if they can offer you the coverage you need for a lower rate. Insurance is an extremely competitive business. Take advantage of cost-competition to get your best deal.

Always be sure to get comprehensive coverage. It goes without saying that sports cars are major financial investments. It would be silly not protect your investment, especially in the current economy, when replacement after damage or theft may be very difficult indeed.

Join clubs and organizations for sports car owners that can get you a discount on your insurance premiums. It's often possible to find a lower rate just because you are a club members. Marquee clubs also get lower rates for members. Ask around to learn which clubs are getting discounts with which companies.

If you also carry home or life insurance, ask about bundling your policies. When an insurance company provides all your coverage, they often offer a substantial reduction in rates. Moreover, it is easier to deal with just one agent and to pay one fill. Another way to save money is to raise your deductible?but be absolutely sure you could pay the increased deductible in the event of damage or theft.

Are you a senior, or a student? Many companies provide discounts to these groups. Even so, sports car drivers under the age of 30 pay extraordinarily high premiums. Since most students are under 30, a student discount on your sports car becomes extremely important.

Usually companies will give you a discount for completing driver education or defensive driving classes. And it's also possible to save money by simply driving less. If there are certain months of the year you do not drive your sports car, you need less coverage for those months. Ask your insurer for specifics.

Sports cars cost more to insurance than other vehicles because sports cars are more prone to accidents and are associated with speed and reckless driving. Sports cars are also targeted by thieves, which increases the cost of insurance premiums. Whatever your needs are, contact a qualified insurance provider. They can examine your situation and develop a comprehensive insurance plan to meet your specific needs. A sports car is an investment and a dream for many. You want to make sure you properly and adequately protect that investment so you can enjoy your sports car for years to come.

About the Author:

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.

Best Way to Get Auto Quotes

By Angelina

If you are preparing to buy a used or a new car, then you must obtain the quotes for that. Getting auto quotes is a very tedious and a complicated work. You would not be familiar with from where to obtain all this information and where to go. But there are very simple methods to acquire the utmost information on the subject of auto quotes.

And finally, should you buy from a non-public party or a dealership and how do you know who will be truthful and work with you for the finest deal? The point is, auto quotes is not simple but it is a very complicated job. But there are many methods to receive auto quotes like you can select to go with a dealer, or to receive quotes on web.

If you select to work with a dealer, discuss down to the most excellent value for the new motor vehicle before you talk about the value of your trade-in as by handling both the issues separate, you recognize exactly what you are paying for one automobile and getting in deal for the other. Whenever you go to a dealer, you will see that every new vehicles have a sticker on the window drafting the cost and characteristics of several automobiles. This sticker is known as "MSRP" or "Manufacturers Suggested Retail Price," which means that this is the cost that the manufacturer of that vehicle commends it to be dealt.

You can also have info about auto quotes by getting online and finding out the many of the dealers who offering virtual visits of their showrooms. You can also make up your own vehicle or an vehicle with features desirable for you, and when you have selected the vehicle then a cost will be cited for you. If you are looking for old or pre-owned cars then you can get the auto quotes about that at one search.

The best way to receive the auto quotes on internet, On net you can receive multiple auto quotes from topmost parties as well as lesser-recognized, top-quality companies with just a few clicks. There are numerous sites available on net providing particulars on different every company. Some sites in today's existence of technology, has combined auto quotes nicely with the net permitting consumers to compare charge per units online, total extensive search and even to buy it.What took minutes a few years ago, now only needs bits just because of online technology. The other websites that you may run across in your explore for auto quotes, are those that ask to save a database of auto quotes, or can receive you quotes for all of the crowning companies. One advantage of of taking online auto quotes is the fact that you can gather your ideas in the concealment of your place or office before you talk to any company representative.

About the Author:

The writer pens for a food, health website that offers data on all attributes of electric bbq grills and Bradley bbq smoker.It's no substantial storm to observe that men, like women, want to cook good meal. Each one of us desires things easy, particularly these days.

Get cheap car insurance details

By Alan Patrick

Our automobiles are an important asset to protect from fiscal dilemmas caused through unfortunate accidents. Car insurance is one of those important necessities. In spite of the fact that, in most areas, it is required by law, even if it were not, it makes good economic sense in order to protect you and your property from unforeseen expenses.

Car insurance provides protection for you and your passengers in case of an accident that may cause injury or damages. It can also protect you in case of theft of your vehicle or in particular situations, theft of your personal belongins that may be in your car. An added benefit to having car insurance is to protect you financially if you are the cause of an accident. In the event you are adjudged at fault, and litigation is brought against you, your car insurance policy will cover a large percentage or, most of the time, all of the monetary damages against you.

The last few years, car insurance has become easier and more readily accessible through the technology of the Internet. Almost every major insurance provider worldwide offers a free quote system online to give potential customers a chance to relate different car insurance rates and coverage with many of competitors.

By clicking onto a car insurance providers site will introduce a form that requires a customer to input basic data about themselves and their vehicle to obtain an instant free premium quote on your car insurance. Additionally, if you choose to pay for your policy online, you can print out the policy documents directly.

An added benefit of purchasing car insurance online is that one can compare rates from virtually any insurance provider, saving valuable time as opposed to calling or visiting an insurance agent for the best quote. Many online quotes for car insurance require about 5 minutes of your time.

In many cases you can also choose to add other levels of service to your policy, for instance breakdown coverage or loaner vehicles when your insured vehicle is in the garage.

Sound economic advice dictates obtaining coverage for your vehicle with a quality car insurance policy, regardless of doing so online or in person, you can start by getting plenty of free quotes from competing insurance companies. Once you have found a suitable car insurance quote to meet your needs, you can make your purchase at the chosen company's website or call the company's agent listed on their site.

About the Author:

Get the cheap car insurance details, how to get cheap car insurance, buy cheap car insurance, cheap insurance company details, used car insurance.

First Time Car Buyers: Car Insurance Options for Canadian Drivers

By Amy Nutt

Before you get behind the wheel of a car in Canada, you had better make sure that you are insured. Every province and territory in the country requires drivers to have car insurance, and driving without it is a costly risk, because you could lose your license as a result. Before you buy insurance, however, you need to take the time to do some research to ensure that you get the right type.

The Basic Requirements

The first thing you need to know is what you are required to have. All of the provinces and states require basic liability coverage for their drivers. This is coverage that will pay for damage you cause to someone else or his or her property. For instance, if you are involved in a car accident where you are the at-fault driver, your liability coverage would pay the medical bills and car repair bills for the other people involved in the accident. This is a common requirement in other countries.

Canadian drivers must carry an addition coverage option, because when it comes to car insurance, Canada requires Accident Benefits/Bodily Injury coverage. This coverage will take care of your medical care and any loss of income you experience after a crash, even if you are the one at fault for the injuries. In other words, if you are involved in a motor vehicle accident and no one else is liable for your injuries, this coverage will cover them.

Other Options to Consider

While you are required to have Liability and Accident Benefits/Bodily Injury coverage to drive in Canada, you may wish to have additional coverage. Neither of these Canada insurance options covers damage to your vehicle that is not caused by another vehicle or driver. They also do not cover damage to your vehicle that you caused. Natural causes are also not covered. If a tree branch fell on your car and smashed in the roof, you would be stuck paying for the repair or buying a new car without any car insurance coverage.

If you have a loan on your car, the bank will not be willing to take this risk. You will probably be forced to purchase additional car insurance for as long as you have the loan. The two additional policies that you may have to purchase if you have a loan are Collision and Comprehensive.

Damage to your car in a motor vehicle accident, even if you are completely at fault, would be covered in a Collision policy. In fact, even if you drive the vehicle into something that is not a vehicle, you would be covered with a Collision policy.

Comprehensive insurance covers non-motor-vehicle damage to your car. If your car were stolen, vandalized, or harmed by a natural disaster, this coverage would pay for the damages. That tree branch that fell on your car and smashed the roof would be an event covered by comprehensive coverage.

Considerations When Buying Coverage

When buying insurance coverage, you have to strike a delicate balance between affordable premiums and proper coverage. Some people buy too much insurance, and they end up paying more for their insurance coverage than is worthwhile when compared to the value of their car. Others buy too little insurance and end up with huge bills when they are in an accident.

How can you best determine this balance? You need to know what your car is worth. Check the Blue Book value of the car, and then compare it to the amount you are paying in premiums. If you find that you are paying close to the value in premiums over two or three years, you may wish to drop a coverage option. Put the additional money aside into a savings account, and use that money towards repairs if you end up having an accident. If you do not have an accident, use that money as a down payment on your next car purchase, rather spending thousands on auto insurance that will only provide a few hundred dollars for your vehicle.

About the Author:

Home, travel and car insurance provider offers a wide array of car insurance options and services to protect Canadians, their businesses and their assets. Offers free insurance quote. Key operation in Ontario and Quebec.

Tips on Keeping Your Auto Insurance Rates Down

By A Nutt

Auto insurance can be quite expensive, especially when you want the right coverage. That is why it is very important that you do what you can to keep your auto insurance rates down. There are ways that you can do it and save yourself hundreds of dollars per year. Why would you want to keep your car insurance rates down? You want to keep your rates down so that you can keep more money in your pocket.

Tips you can use There are so many ways that you can use to keep your auto insurance rates down and some of them you can use at the same time as other discounts to maximize your savings.

Here are some things that you can ask your car insurance company for:

- Ask if you can receive a discount if you have more than one type of insurance with their company. For instance, you may find that you can have your auto insurance and your homeowner's insurance with this company and they will provide you with a combined discount. Carry all of your insurance policies with them, such as auto, home, and life and you may find that you can get even more money off.

- If the driver of the car is a student or is listed as a driver on the car, you may find that you can get a good student discount. This is where the student maintains at least a B average on their report card. You may be required to take that report card to the insurance company each time it comes out, but it really pays off. If grades go down, the discount may disappear until the grades go back up.

- See if there are any safe driver discounts available. When you haven't had a ticket or an accident, you may find that there are discounts available for you.

- If you are a senior citizen and you've not had any accidents in a specific amount of time, there may be discounts available to you.

- You can always raise your deductible to reduce your premium. However, you need to keep in mind that doing so will result in a higher out-of-pocket expense if an accident does occur. The standard deductible is $500, but some individuals will go as high as $2,000 to save some money on their premium. If you can pay $2,000 if an accident occurs, then that will work fine. Just make sure your deductible is not higher than what you can afford in case damage is done to your car and you need to pay it.

- You may wish to shop around. You may find a company that offers the same coverage for a lower price. You always want to compare before you make a commitment.

You want to use all of these tips so that you can save yourself quite a bit of money.

How you can compare When finding the right company to do business with, it is very important that you compare. You can do this by calling companies and recording the different rates that they quote you. You can also do this by going to their websites and filling out the forms on their websites to receive quotes for the car insurance you want. This allows you to compare in a much easier way. Take all of that information and make an informed decision.

When you have the right company and you have taken advantage of all possible discounts, you will get the best auto rates possible. That will help you keep more money in your bank account and will keep you and your family rather happy financially.

About the Author:

Provides Disney Theme park tickets and travel insurance for your next exclusive getaway. Just one of the many benefits to having an CAA membership.

Collisions and Seattle Auto Insurance Coverage

By Steve Turner

An adjuster from your Seattle Auto Insurance provider will come and evaluate the expenses related to an accident that you have been in. To help get your claim processed quickly it is beneficial to know what the adjuster will be investigating.

The insurance adjuster will begin by taking pictures of your vehicle. He will do this to record any damage that resulted from the collision, and to document any pre-existing damage. An appraisal for the damage will then be set.

You will be asked to give your statement pertaining to the accident. The insurance adjuster may ask questions with the intention of leading you to say something that would allow them to deny your claim. Answer carefully.

Witnesses of the collision will be asked to give statements of what they saw. They will be contacted by the insurance adjuster through information provided to them by you or the police officers.

The adjuster will perform a background check on you to see if you have ever filed an insurance claim before. If he asks for your social security number to perform this search, you do not have to provide it.

To evaluate the extent of your injuries the adjuster will ask you to sign a medical release form. To protect your medical history make sure that you are not authorizing them to any information other than that relating to the collision.

Have an outside expert evaluate the damages to your vehicle. The insurance provider will also have an expert evaluate this, but they will be looking for ways to minimize your claim. An outsider will give some perspective.

About the Author:

Steve Turner works with a variety of insurance companies and can then provide you with wonderful Seattle Auto Insurance coverage at the inexpensive price. Seattle Auto Insurance Coverage Steve Turner is a wonderful resource to utilize when trying to find wonderful Seattle Auto Insurance coverage. Seattle Auto Insurance Price

The Rates of Vehicle Insurance Can Vary

By Graham McKenzie

Automobile insurance is usually purchased for two main reasons. One is so an automobile is in compliance with the law. The other is to make sure an accident doesn't break your bank account.

Natural disasters such as hurricanes, tornadoes, hail storms, earthquakes, etc. most likely are insured under you vehicle insurance contract. Also if you are operating your vehicle and get hurt, ambulance costs, and medical treatments are included.

If the verdict of an accident is claimed as the insured operator's fault, and the other parties are hurt, you will be excluded from the possibility of being sued. Even if a lawsuit is not pressed, the other operator's medical expenses will be paid by your insurance company. Make sure you read the limitations of what your automobile insurance provider covers with the amount of premium you pay.

Just because an insurance is offered at a low price, does not mean it is good. Lower priced insurance companies tend to not come through with payment when an accident occurs.

When dealing with an insurance company. Call a few times and ask some questions before actually signing a policy. This will provide the policy owner with the capabilities of this particular company's ability to quickly handle a claim if an accident happens. Most cheaper company's will have a minimum amount of employees to make up for the loss of having cheap premiums.

Don't be afraid to ask questions when you apply for vehicle insurance. The only way to avoid scams is to make sure you will be covered for everything you expect. All policies should be read not skimmed, before you sign your name. Then when a conflict arises you know what the outcome will be. Eliminate the possibilities for insurance companies to take your hard earned money without compensating in case of an accident. Chances are, you will be able to read comments from other people that have been satisfied or not with the company in question. Use this as a tool to base your decision on.

Although it seems tedious make sure you consider the reputation of the provider. Check feedback sections on websites to gather facts about other consumers, situations, and how they are handled. This can assist with your decision.

About the Author:

Graham McKenzie is the content Syndication Manager at Insurance123.co.za South Africans leading car insurance information portal

Purchase Seattle Auto Insurance Coverage Online

By Steve Turner

You will need to purchase a Seattle Auto Insurance policy if you drive in the area. Make sure before you do so that you understand what Washington state law requires in relation to your auto insurance coverage.

Purchasing an auto insurance policy used to require you to go into the insurance provider's office yourself. Now thanks to the internet that is no longer required because you can complete the process right online.

Everyone is living extremely busy lives nowadays. The internet takes away any geographical and time constraints when you are trying to purchase your insurance policy.

There are risks associated with purchasing your insurance policy online. Unfortunately there are a number of fraudulent insurance providers trying to entice your business. Be sure to purchase your policy from an insurance provider that you have heard of before, even if the cost is a little more.

Check prices with numerous reputable insurance providers to make sure that you are receiving the best price possible. It is worth the time to search out and make sure that you are not being cheated in the prices that you are offered.

Insurance policies can be hard to understand sometimes. If you do have any questions see if you can find some insurance websites that offer online chat features that allow you to ask insurance agents questions. If you can not find one of these, just call an insurance provider's toll free number.

Once you have purchased your policy it is too late to make changes or adjustments. Understand the types of coverage that is available for auto insurance coverage and make an educated about the level of coverage you ultimately decide to purchase.

About the Author:

Steve Turner understands all the different ways that it is possible for drivers to find Seattle Auto Insurance coverage. Seattle Auto Insurance Coverage Steve Turner is a wonderful resource to utilize when drivers are trying to find the most affordable premium for driversr Seattle Auto Insurance Policy. Seattle Auto Insurance Policy

The Easy Way to Choose Your Caravan Insurance

By Carl Way

Caravan insurance can be a complicated matter, if you don't take out enough or the right type you could find yourself out of pocket in event of a claim. Caravans are a valuable asset, and should be treated as such when the time comes to set up or renew your insurance. When considering caravan insurance you need to be clear on precisely what your needs are: cover for what, and for how much?

Your caravan insurance needs depend on what you do with your caravan, do you take it touring, or perhaps rent it out on site? When choosing caravan insurance you have the choice between third party fire and theft, and fully comprehensive insurance. Cheapest and best are often two entirely different things, so don't buy insurance based on price alone, base it on coverage.

Being vacant for at least some of the year, a static caravan should be covered for both break-in and of course vandalism. Installing good window and door locks, a good alarm system and a few smoke alarms will help to pair down the cost of your insurance. Storing a static caravan at a secure site is a very good idea both for security risks and for reducing your premiums.

If your caravan is a touring caravan and you like to take it overseas to Europe, avoid any nasty surprises by making sure that you are covered to do so. Although some insurance policies do not, most will cover your touring caravan in Europe for a set number of days. Europe is a great (and popular) destination for caravanners with touring caravans make sure you do it properly.

To prevent any ugly shocks later on, always read the small print of any policy before you considering taking it out. Be sure that you have adequate coverage with your policy as claim limits vary quite a bit between companies. The same as buying any item, it makes great sense to have a good look around and get a few quotes, comparing what each company have on offer.

Caravan holidays are becoming an increasingly attractive proposition in these difficult financial times. A new generation of young families are discovering the joys (and money savings) that caravanning has to offer. Spain is no longer the number one holiday for British people, caravans have now taken over the mantle.

About the Author:

Carl Way is a founder of Caravan Insurance Cover, the UK's premier website for touring caravan insurance.

Quotes for Seattle Auto Insurance

By Steve Turner

Many drivers only search for Seattle auto insurance coverage when they feel that they really need to. Some others will look more often to search for a lower rate or because they are getting inadequate service.

Is it worth all the time required to shop around for multiple quotes? The answer is yes since there is a big probability that you will be able to save money.

All insurance providers will look at many factors and their business objectives to calculate what they will set their rates at. With this information, they will then submit these rates to the insurance department of each state that they will be working in. The rates are different and will vary from one insurer to the next.

Applying for quotes from a variety of companies will also help you find the cheapest rate for your situation. No matter why you are asking for quotes, take the time to obtain at least three.

How frequently you should shop around will depend upon your circumstances. Some factors used to decide your rates may have changed recently. If you have recently received a ticket or have had a child reach driving age your premium may increase. If you have had any type of change it is a great time to see if you can find a lower quote.

Even if there are no changes in your circumstances, it is a wonderful to look for affordable premiums frequently. Providers change their rates from time to time and a provider that gave you an expensive quote a year ago may now be the cheapest.

The internet can assist you in doing comparison quote shopping. Now is the time to decide if you can find a lower rate for auto insurance by going online and asking for quotes from many providers.

About the Author:

Steve Turner works with various different insurance companies and is therefore able to provide you with various Seattle Auto Insurance quotes. Seattle Auto Insurance Quotes Steve Turner is a great asset to use when you are trying to locate a very inexpensive price for your Seattle Auto Insurance policy. Seattle Auto Insurance Policy

Discount Auto Insurance Can It Lower Your Payments

By Joe Welusz

With the recession in full-swing, everyone is feeling the need to tighten up their budgets and not spend any extra money. Bills can quickly pile up and this can begin to negatively affect anyone. One way that anyone can begin to help their budget out, however, is by using discount auto insurance to help them pay less every month. Every little bit helps and auto insurance is one way that anyone can help to lower their responsibilities.

Discount auto insurance helps a person to be able to only have the minimum amount of coverage that they legally need in order to still be allowed to drive. When the person ends up paying for less coverage, the premium that they pay for their insurance every month will be much less than what they would for full coverage. This will help them when it comes to having less to pay with their bills.

There are a number of discount auto insurance companies which exist who can help any person figure out what the lowest monthly payments can be. These companies will provide the smallest amount of coverage possible to these clients and they, in turn, will have the smallest possible payment offered toward their premium. This can go a long way every month when it comes to saving money.

A person doesn't need to go to a special company to adjust the amounts of their premiums, however. Many of the existing insurance companies can help a person to lower the amount of their premiums by reducing the coverage that they provide. While this does mean that their insurance agency will no longer provide as much coverage as before, it can also help to take away the high bills the person pays every month.

It is still important for anyone to be able to safely and calmly operate an automobile, though. Discount auto insurance is only good if it still allows a person to be safe while operating a motor vehicle. If the person is nervous about things which could go wrong while driving, they could be much more likely to make a mistake and harm someone with their vehicle. Keeping a person safe and calm will make them better drivers even with their cheaper insurance payments.

A person could also help themselves with getting discount auto insurance simply by being a safe driver. The better that a person is at operating their vehicle, the more likely their insurance agency is going to reward them for not making them hand out payments. This can help to lower the premium that a client pays every month.

Finding ways to cut back on auto insurance payments will help anyone with saving money for all of the rest of their bills. This will give them the ability to make all of their regular payments and can help boost their credit rating. On top of this, knowing that they will be less covered will force them to be more observant drivers on the road, which will help them with avoiding accidents.

Using discount auto insurance means that anyone who is not given as much coverage as other people will be safer on the road. This can be important because it allows everyone to be a better driver and the amount of accidents which happen in total will be reduced, making the road much safer to travel on.

Written By Joseph Welusz

About the Author:

If you liked this article you might like Joe's website where you can get more Discount Auto Insurance tips to help you save money when it's time to get Free Insurance Quotes . By following either link back to Joe's site you'll save money on your car insurance by comparing multiple insurance rates from local agents and well known insurers.

The State of the Roads and Truck Insurance

By Steve Turner

A good way to prevent having to use your truck insurance coverage is to be aware of the type of weather you will be traveling in. Surely you have experience driving in poor weather sometime in your trucking career. It is vital to understand how any inclement weather will affect the state of the roads that you are driving on and then in turn how you should respond to these conditions.

Before leaving for you trip be aware what the weather is going to be like along the route you are taking. Plan for alternate routes in case extreme weather make it dangerous to use the original. Also use your CB to talk with other truck drivers to get updates on the conditions of the roads ahead of you.

During rainy conditions, even light rain, be careful not to hydroplane. Even small amounts of water on the road can cause reduction in the traction of your tires by as much as 30%. If you do start to hydroplane, do not push on your brakes and be sure you are your steering straight until your feel your tires grab traction again.

Never drive on a flooded road. The force of the water flow could cause your trailer to jackknife or could even cause the whole rig to overturn. If you do find yourself in this situation, abandon your truck and get to higher ground for your safety.

If you see fog ahead on the road, slow down before you enter it. Be on the look out for slow moving or stopped vehicles, and be prepared to stop quickly. If the fog is too heavy and visibility to poor pull of the road as far to the right as possible and wait until the fog lifts to continue.

When traveling through snow or a blizzard be consious on any bridges or overpasses because they will freeze first. Keep a slow and steady pace and be cautious when using your brakes. The area that you will need to stop in icy conditions will be three to twelve times greater than normal, so maintain plenty of space between you and the next driver.

Do not try and outrun a tornado. If one is close to your route, abandon your truck and find shelter immediately. If shelter can not be found, lay in a ditch or depression.

About the Author:

Steve Turner has skill in assisting people find great Truck Insurance Coverage. Truck Insurance Road Conditions Steve Turner give you any information that you need to decide what kind of coverage for Truck Insurance so you will be protected in an accident due to poor road conditions. Truck Insurance Street Conditions

Roadside Assistance: Better Than Just Towing

By A Nutt

Car problems will usually occur at the most inconvenient time. With so many vehicles on road, every driver should think about what they would do if their car suddenly broke down and they were stranded on the side of the road. There was a time when the only resource a driver had was a local towing company. Local towing services are not always open and their location may be far away from where the car is located. Once a towing service arrives, people will usually have to get their car towed to the closest garage. Individual towing expenses can be expensive and you may end up paying more for a repair, especially if you are not familiar with the car repair shop. Fortunately, there are many companies that offer roadside assistant memberships that include towing fees with their service.

Depending on which road side plan and company you choose, they can provide a number of added benefits over the service of a regular towing company: - Roadside plans will cover a variety of vehicles such as passenger cars, trucks, company cars, SUVs, and RVs.

- Roadside assistance plans will usually cover you whether you are the driver or a passenger

- Many roadside assistance plans will reimburse for costs of repairs if you arrange for your own repair when the plan can't find anyone to help you in a reasonable amount of time.

- Auto clubs provide 24-hour assistance and towing practically anywhere in the U.S. The service will cover any accessible road. Most auto clubs allow a certain numbers of roadside assistance tows each year. This service is a good investment because you will end up saving more money than if you used a regular towing company.

- Roadside Assistance packages normally include: battery boost, tire change, parts delivery, towing or wrecker service, winching services, freeing a locked key, replacing lost keys, unfreezing "frozen" locks, replacing broken keys, delivery of emergency gasoline or other fluids, spare-tire installation, and accident or breakdown reimbursement.

- Manufacturer supported roadside assistance generally requires a tow to the nearest car dealership. This may not be helpful if the problem is not covered under a manufacturer's warranty. For instance, tires are not usually covered. Auto clubs do not mandate what garage you can have your car towed. Your towing fees will be covered under the membership.

- Increased competition among auto clubs has kept costs low. If you have an older car, a membership can be an inexpensive method of protection. As an incentive, some cell phone and credit card companies offer roadside assistance plans.

- Auto club companies also offer members travel services, complimentary maps and guidebooks, and discounts for partner services such as hotels. You can often add bicycle roadside assistance coverage to an auto program You can also receive free road atlases, trip routing, travel assistance, and bereavement assistance. Free custom trip routing can include detailed trip planning, mileage guides, destination brochures, information on road conditions, camping locations, and more.

- If your vehicle is trapped in the mud or a ditch, roadside assistance will have someone come out and pull you out.

- Provide legal fees for speeding or moving traffic law violations.

- Travel assistance to reimburse drivers for vehicle rental and/or travel expenses when the vehicle is stolen or disabled due to an accident. This can include car rental, hotels, meals, and public transportation.

- Provide medical assistance such as doctor referrals and cover costs of a hospital stay.

Roadside assistance service plans are quickly becoming a popular choice for drivers. When traveling late at night or long distances, it will give you peace of mind knowing that help is only a phone call away.

About the Author:

Member driven organization delivering roadside assistance, car insurance, travel, home and auto insurance.

Getting custom motorcylce insurance

By Ricky Anderson

When purchasing a car, you are required by law to have car insurance. It is however not mandatory to have motorcycle insurance in most American states.

Not required but still a wise idea " In some states custom motorcycle insurance is not mandatory but despite this it is still is a wise decision to get custom motorcycle insurance for your own protection. If you get hit by someone without insurance your own insurance will cover much of the cost of damage.

In addition, when your bike gets destroyed, your custom motorcycle insurance will provide you with the money to replace your motor bike. It is good to know that when something bad happens, the financial damage will be less because you are covered.

Bad things happen even to the most cautious riders in the world. You may hit someone, or run over someones dog. The possibilities on the road are endless and worrisome. Getting a custom policy for your motorcycle can help ease the pressure of the unexpected.

There are many kinds of custom motorcycle insurance policies that you can get. There are those that cover the third party in case of an accident. This means that if you were to damage another car/motorcycle or injure a person, you would not be liable for the damage caused. You would however, not be compensated for injuries to you or damages to your bike. A comprehensive motorcycle insurance covers both you, your motorcycle as well as any third part in case of an accident.

Get rid of liability by getting motorcycle insurance. You do not know what will happen the next time you take your harley out for a spin.

Where to get motorcycle insurance? " A lot of major insurance companies also have bike insurance, and most of the time, the best thing you can do is go to the company were your car and other vehicles are also insured.

To conclude, do not shy away from motorcycle insurance simply because it isn't mandatory in the state you live in. As explained above, it can have a lot of advantages to both you and of course your bike!

About the Author:

Before you purchase any custom motorcycle insurance make sure you visit our website to find the best deal imaginable!

Cheap Auto Insurance

By Ritchie Z. Saunders

Before you can acquire car insurance you have to supply your personal and vehicle information. This information will be used to know if you are a high-risk client or not. In the car insurance industry, companies use that risk factor to compute your insurance premiums. So if you're a high risk client it means you're going to pay higher premiums. But there are ways to lessen that risk in order for your insurance premium to subside. Here's what you can do.

Never park your car on roadsides near your house overnight. This can be risky since your car is vulnerable to car theft or even accidental minor collisions. If you have a closed garage, make sure you inform your car insurance provider so they can lower your insurance premiums.

The type of car you plan to insure - if you are planning to buy a car and you are concerned about the high price of car insurance, you might want to stick to cars that are not to speedy. Most fast and powerful car is expensive to insure so stay away from them until you can afford to insure those types.

The safer and more secure a car can be, the cheaper your insurance premium can also be. There are many devices that can be installed to prevent car theft such as alarms. Make your car also safer by fitting airbags so you will incur minimal damage in an event of an accident thus less expense for the car insurance company. In return, the car insurance company will offer cheaper rates.

Try to reduce your mileage - There is a saying in the car insurance industry "drive less and pay less". This is true since most car insurance company offers discounts to those drivers with low mileage count. The only way to maintain a low mileage is to take public transportation sometimes; once or twice a week will have a great effect on your mileage. As a matter of fact, you are also lowering the chance of getting into a car accident if you drive your car less.

Always remember, it's not that hard to reduce that high insurance cost. Just remember to make yourself be known as a low-risk driver and your premiums can drop gradually.

About the Author:

I found a great website that would would surely helps to get Auto Insurance Policy. Visit this site now. Car Insurance Policy. Click here to submit article.

Car Insurance Ladies - Why Women Have the Advantage

By Enrico Medina

Ladies benefit more from car insurance companies as they are considered as much less risky drivers. Though we have to be clear on one thing, statistics show that lady drivers do get into as much accidents as men do. However, the amount of damage done to the car is much less therefore cheaper to repair.

This wasn't true before though as ladies were always considered a higher risk than men and would most likely be offered a much poorer compensation package. Until recent statistics popped up and disproved this common theory.

It is rare that you see a lady get involve in a serious car accident like total wrecks. They are ofter the victim of minor scratches and light bumps. It is the men that are more prone to serious accidents.

Ladies car insurance can be found from any normal car insurance companies or other companies which focus on women's policies. It is always good to compare between other companies and policies as their prices will most likely vary.

Even just browsing through the internet, you will be able to see a couple of sites which compare various insurances. This is good for us buyers because we can make very good and sound decisions.

Women drive fewer miles as compared to men and this results in the them getting into less car accidents.This gives them the advantage when haggling for premiums, and in most cases will get discounts or freebies. Lady driven cars are also in much better condition as compared to men.

As with general neatness, ladies are more organized and clean as compared to men. Their cars tend to be cleaner and this results to a longer life for the car resulting in less repairs and cheaper bills.

Only a lady can apply for this type of insurance by the way.They get all sorts of discounts and bonuses just because they are regarded as such. Overall, insurance companies consider them as less risky to engage business with.

Since women are less likely to have an accident, they are also less likely to file large monetary claims against the insurance company. This is the reason why they offer discounted rates for ladies as they can save a lot of money from them.

Different Types of Car Inusrance

By Tom Martens

Approximately 65 percent of South African drivers do not have auto insurance cover. That is an alarming statistics for the 35 percent of those who do. So, what is keeping that 65 percent from making the responsible decision and purchasing at least the minimum cover?

Lets commence by summarizing the types of insurance.In south africa, auto insurance coverage has three basic types.

The minimum cover is Third Party. If anyone damage other's personal property in an automobile accident it covers the liability (costs). This includes other vehicles or structural property that may also be damaged and also the minimum cover is third party

You also have the option of buying Third Party Fire and Theft which would cover incase of any damage to your vehicle by fire, theft or attempted theft.

Comprehensive Cover is the recommended cover for most South Africans. It includes Third Party Fire and Theft and also covers damage to your own vehicle in an accident that is deemed your fault. It also includes additional coverage such as extending cover when you drive someone elses car.

Other insurnce schemes mainly consider the drivers in South Africa.they may be comprehensive covers,bike or caravan also.

Because South Africa is a high risk insurance environment, premiums can be high. But you can take some steps to lower your premiums.South Africa is often a world leader in traffic injuries and fatalities and the roads are becoming increasingly dangerous. Car theft and hijackings are also all too common.

Start by shopping around and comparing quotes. It is easiest to research your options online, and you may also get a discount if you purchase your policy online depending on the company you decide to work with.

Drive safe and save on your premiums. Claim-free years should earn you rewards from your carrier. If not, scout for companies that would offer value rates to you.

Examine your excess amount. The higher the excess, the lower the premium because you are responsible to pay the excess in the event of a claim. If you can afford it, raising your excess amount will help you save in the long run.

If you own an expensive or high performance vehicle, you will pay more for your premiums. These cars cost more to insure because they are considered a higher risk and are expensive to replace or repair. So when you car shop, keep in mind that your insurance premiums will add to the cost of owning the vehicle you choose.

Because most insurance companies often have minimum security requirements for vehicles that they secure, exceeding the minimums by adding security devices can result in a discounted premium.

Living in high crime areas leaves you at risk for a car theft or high jacking. Considering a possible relocation could bring your premiums down a substantial amount.Parking your car in a safer enviroment such as a locked garage or behind locked gates could also give you a discount.

Don't be afraid to negoiate a deal with your insurance company, because they are very interested in keeping your business and willing to work out a deal with you.

About the Author:

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Aricas leading car insurance portal.

Cheap Automotive Insurance

By Trip R. Fratzz

Car owners are now realizing how practical it is to get a low car insurance policy. Having a low car insurance policy allows them to pay less for their monthly car insurance fees and subsequently realize better savings on their part. These savings can be used for more important expenses particularly in the household.

Purchasing cheap car insurance begins with shopping for low car insurance quotes and comparing them. It also helps if car owners are more conscious on their credit rating, driving history, and the security of their cars. If car owners are able to secure lower car insurance rates, then they will definitely realize a lot of savings which they can use for more important expenses.

Many car insurance companies are offering reduced car insurance policies these days. Given the stiff competition in the car insurance company, car insurers need to get more policy holders so they offer discounted rates. This augurs well for car owners like you who need to cut down on their monthly car insurance fees. So be very conscious on getting discounted car insurance in order for you to realize better savings every month.

Car owners can qualify for cheap car insurance if they have an impressive driving record. Those who follow traffic rules and regulations will surely get discounts from any car insurance companies. It also helps if car owners are very much concerned with the security of their vehicles. Installing security devices like a good brake system and an anti theft system will make any car look low risk to car insurers, thereby giving the car owner discounts on his or her car insurance policy.

Car owners must also invest on security devices like an anti theft lock system. These devices lessen the chances that their vehicles will be stolen. Car owners should also have a good credit standing in order to qualify for cheap monthly car insurance. Car insurance companies prefer to give discounts to policy holders who have a good credit rating. If only car owners can follow these simple tips, then they can get really cheap monthly car insurance premiums.

About the Author:

I was very excited to get Cheap Automotive Insurance. You can also get one through this website Auto Insurance Cheap. Click here for article submissions.

Disadvantages of Pay as You Drive Insurance

By Tom Martens

Taking off in popularity, Pay As You Drive insurance plans for auto owners are, as their name suggests, based on the number of miles you drive your car. The more miles you drive, the higher the premium. The fewer miles you drive, the more you save. In our present economic times, the idea of paying less for this unavoidable expense is quite appealing. However, Pay As You Drive presents a few disadvantages.

First of all, in order to utilize Pay As You Drive insurance, you have to consent to having your vehicle?s mileage monitored. There are costs associated with these monitoring programs. These costs are paid for by the driver, not the insurance provider. These costs could outweigh the potential savings gained from Pay As You Drive Insurance. In addition, drivers would have to install a new monitoring device every time they change insurance providers. That makes Pay As You Drive insurance inconvenient, and it makes shopping for a better deal difficult and frustrating for drivers.

Secondly, the companies that make the odometer tracking devices also charge a periodic fee for transmitting data. So, not only do you pay for the device, you pay to use it. This, again, possibly can eat away any savings from driving less when you use Pay As You Go.

Additionally, insurance companies would have to develop an entirely new payment structure in order to offer Pay As You Drive insurance to their customers. The insurance companies could then easily pass any costs associated with this new payment structure directly onto drivers, again removing any financial benefit gained from Pay As You Drive insurance.

There are also concerns about how odometer data may be used. While it may be true that the monitoring devices will only provide the data needed to compute premiums, there is always the possibility that the monitors could be modified to tell the company not just how far you drive, but where, when, and how often. This information about where you could go could then be used to raise your rates, or for some other purpose entirely.

Those who favor Pay As You Drive insurance claim that less driving will result in fewer vehicle accidents. However, the relationship between vehicle miles traveled and accidents isn?t entirely proportional. Also, low mileage drivers are not necessarily safer, better drivers. A driver on a Pay As You Drive insurance program can just as easily have an accident as a driver who is on a more traditional insurance program.

At first glance, the promises of lower premiums for Pay As You Drive seem very attractive. If you are considering a Pay As You Drive policy, however, be sure to ask detailed questions of your authorized insurance agent to make sure Pay As You Drive is really right for you.

About the Author:

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.

Know how the short term car insurance can be useful

By Joaquin Pelaez

Car insurance is the one that is compulsory in todays environment. Law also insists car insurance is must. As it is compulsory, it is fast growing business around the world. It leads to competitive business between insurance companies. Due to its competitiveness, many insurance companies are offering many discounts to attract customers. There are many companies who are offering many policies for 12 months or even more, but what if you need insurance for just one day, one month, or one week.

In the short term insurance can help you in this situation. It is a type of insurance of the vehicle, normally for a period of 28 days. It comes with a minimum of 1 day and a maximum of 28 days. But why auto insurance short term? There are many circumstances in which we may need such a policy. Nobody wants to risk for car loans without security first. This could require insurance for the borrower, leaving the owner of the car bonus for you. This means that even if you are not in the car when they arrived damaged, also entitled to claim.

Temporary car insurance can be helpful to the people that have passed driving test recently but not decided the insurance policy for them. The short term car insurance can be real money saver. Instead of, paying for the policy premium for whole year, when you only needs it for one week. You can save your time by applying online, once you decided the insurance company you want to insure with. In most cases, your coverage starts immediately with short term car insurance, all most for all companies. They will charge you flat rate, irrespective of your driving history, age, model, car type etc.

Short term car insurance is useful when you want to add additional drivers to your car, this can be helpful when you go on long trip in car and want to switch between the drivers during trip. You may need temporary insurance for them. In order to, minimize the risk of unavailable to claim the insurer. With short term car insurance you can add additional car to your policy. Temporary car insurance is beneficial for unaccompanied vehicle demonstrations.

If you want to give your family car, a friend or client, you May need to secure a temporary file. In many cases, most children in school plot to drive the car and ask their parents to give permission to drive cars for the holidays. In the short-term security assistance for parents in seeking solutions to allow their teenagers to drive with certain types of insurance coverage so that while driving with their parents. Here, parents are still the owner of bonus with them.

Short term car insurance can be helpful when you are about to bring new car. It need to be insured on the way out form dealership, in order to avoid the damage that could happen on the way.

Cancellation of policy is also easy. You just need to submit the written cancellation request form by the policy holder to the insurance company.

About the Author:

Find today more information about auto insurance quotes and, insurance quotes for teenagers in Australia.

Car Insurance Quote

By Belen Smithers

Many car owners fail to get really cheap car insurance and thus get better savings. Many of them think that it is hard to find a cheap automotive insurance quote these days, so they just settle for the first car insurance policy that they come across with.

This is certainly good news to car owners who want to save more on their car expenses and allocate their money to more important expenses. Car owners should be shop hard enough in order to get the lowest car insurance. Shopping online is a good start for car owners who want to save on their monthly car insurance premiums. Inquiring with a car insurance broker is also recommended to those who want to purchase cheaper car insurance policies.

Many car owners do not realize that with the hard economic times, many car insurance companies are now offering lower car insurance premiums. Car insurance companies have started to realize that with increased competition, they must lower their rates in order to get more clients. Thus car owners should be more motivated to find the lowest car insurance. The rise of online shopping should also encourage car owners to shop for the lowest car insurance in the market.

Simply browse car insurance website in the Internet. You can find details on companies offering really low car insurance policies. You can request for a cheap car insurance quote by browsing various website. An automotive insurance quote is your key to availing the lowest car insurance. Just be sure that you compare multiple car insurance quotes so you can pick out the policy that suits your needs and budget.

Another proven and easy way of finding the lowest car insurance is contacting a car insurance broker. Good car insurance brokers are affiliated with several car insurance companies, so they know how cheap a car insurance policy can go.

About the Author:

You can get more information on the lowest Automotive Insurance Quote in the Internet. You can try to browse this website for more information Auto Insurance Quote. Click here for article submission.

Finding Cheap Auto Insurance To Suit Your Needs

By Joseph Welusz

As we all know, you have got to have auto insurance if you plan to drive. That is just a fact of life. More than that, it is the law. However, there is no reason that you have to break your budget to insure your car. There is absolutely no reason for you to completely drain your bank account. Many people think that this is the only option, due to ever increasing insurance rates. However, that does not have to be the case. There are plenty of things you can do to get lower rates. The best news of all is that the majority of them are exercises in simplicity itself.

There are a lot of different ways that you can save money when you are looking at your car insurance bill. For one, you can definitely pay your premium in full for six months and that way you are not only covered for six months, but you also will end up saving money in the long run by doing this.

When you miss a monthly, yearly, or bi annual payment, that can be really bad. Try your best not to do that. One way to avoid this problem is allowing your insurance company to take the payment out of your bank account. You can also have them do this with a credit card, but... that might not be the best option, unless you can pay off your card every single month too. Otherwise, you could get stuck with a lot of interest in the bargain.

There are many insurance companies out there which reward you for taking care of your vehicle. That is, they will offer discounts if you have a car alarm or some other sort of anti theft program or system. When you are shopping around for a new policy or comparing quotes, make sure you mention your safety measures whenever possible.

You can also save money when you have more than one car, truck, or other vehicle. When that is the case, you should make sure that you get them insured with the same company. That way, you can get a discount for having multiple vehicles insured. You can save extra money if you can get your car insurance and renters or homeowners insurance from the same company.

Do not get more coverage than you need. A lot of times, you are paying for things that really are not necessary, so make sure you discuss this with your insurance agent or company. You should do that at least once a year.

Of course, being a safe driver can always benefit you, in many more ways than one. For one thing, it will make sure that you are safe, and that other drivers and pedestrians are as well. Plus, you can keep your costs down by having a clean driving record as well. You have to remember that every violation you receive can put points on your license, which can in turn drive up the cost of your insurance.

Finally, do not under any circumstances forget to pay on your policy and let it lapse. You might have to pay a lot of fees to get it reinstated again. Then too, you might have to start the searching process all over again.

About the Author:

If you liked this article you might like Joe's website QuoteMatcher.com where you can get more Discount Auto Insurance tips to help you save money. By going to Joe's website you'll be able to get Cheap Auto Insurance by comparing multiple insurance quotes from local agents and national companies.