Instant Auto Insurance

By Gary Helfman

Instant is a by-word among people who are juggling a lot of tasks at the same time.

For the busy professional, the faster a task can be done, the better it is. In getting an insurance for a vehicle, those who are unaware of the advantages of the Internet may spend several days calling insurance companies asking for quotes and other inquiries. Getting a quote in the traditional manner will take a day or two to complete. There is, however, a better way of doing it. That is, there is already a faster and more efficient way of getting instant auto insurance quotes.

Yes, it's possible to get a quote in an instant. You may find that unbelievable considering the different factors taken into consideration when an insurer calculates for a quote. There are already online calculators that brokers and insurance companies provide on their websites that are easy to use. One type of online calculator provides quotes after the motorist enters information related to himself, his driving history, traffic violations, if any, and vehicle type and model. These information need to be entered into an online questionnaire that can be completed in five minutes or less. Once all of the required information are completed, the calculator can already provide you with the quotes! All in a few easy steps.

Now, if you dislike leaving your personal information in insurance companies' databases, what you can do is to find those companies that do not require your personal information. They will only ask for your car's type and model, as well as your driving history. This takes about two minutes to complete. After which, your quote is ready. There is a catch to this type of calculator. The quotes provided are quite general and could not reflect an accurate estimate of the amount you will pay for insurance.

If you need a more accurate quote, you should use the online calculators that asks for personal information

About the Author:

Instant Auto Insurance quotes online are for free! Go get them now here: http://www.instantauto1insurance.com/. Click here to submit article.

How To Get Do You Need Car Insurance

By Susan Renolds

If you're wondering whether you need car insurance, it is best to begin with a discussion of what it is and what it does.

In its basic form, car insurance provides protection against financial losses incurred as a result of an accident, theft or damage to your vehicle. You and the insurer both have certain rights and obligations in the event of an accident, and these are spelled out in your contract, or policy.

Car insurance takes three forms to meet the needs of individual drivers.

The minimum legal level of insurance is called Third Party or liability cover. This type covers your liabilities with respect to third parties such as people other than yourself who are injured in an accident, or other people's property damaged in an accident deemed your fault.

The second is Third Party, Fire and Theft and covers the situations mentioned above and adds cover for theft and damage to your vehicle caused by theft and fire.

Comprehensive Car Insurance adds to the above with cover for accidental damage to your vehicle, vandalism, personal accident, limited medical expenses, damage or loss of personal property carried in your vehicle, and replacement of your vehicle in the first year.

In the UK, as in most countries, car insurance is required by the law, so, in answer to your original question, if you drive a car, you need car insurance. In addition, it is a serious crime to drive your car or allow others to drive your car without insurance. In fact, doing so could earn you a stay in prison, especially if you are involved in an accident.

Now, with a basic knowledge of insurance and its coverage types, you can see why it is compulsory for all drivers. Every time you get behind the wheel, you take the risk of damage to your car, to yourself and to other's property in your own hands.

New or young drivers will find their insurance premiums higher than those of experienced drivers for obvious reasons. But it is possible to bring your premiums down.

First, take and pass a drivers' safety course, or the Pass Plus Driving Exam. Designed for new and young card drivers, these intensive training courses show young drivers how to be better drivers. If you pass, you can receive up to 35% off your car insurance premiums.

Another option is to pay a higher excess or deductible. This represents your portion of the financial responsibility when you have a claim. Insurers have minimum excess amounts, but if you volunteer a higher amount, you may save on your premiums.

Research several companies, their cover and their premiums. It is possible to see a substantial savings on your premiums just by comparing the companies against each other - even for young drivers. It is easiest to get information and quotes online. If you decide to buy your policy online, you may receive a discount for that as well.

Also, consider paying your premium at once rather than quarterly or monthly. Most car insurance companies charge interest, some up to 30%, when you pay in installments.

About the Author:

Susan is the marketing director for Carinsurancesa.co.za. South Arica's leading car insurance portal.