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Archive for September, 2012

Counting Your Car Insurance Cost And Then Lowering It

Wednesday, September 19th, 2012

When customers compare car insurance quotes in an attempt to understand what is contributing to the total car insurance cost, it is usually with the intention of saving as much money as possible. Car insurance has features that can be compared, but it can be difficult, especially when different types of coverage or maximum policy limits are being quoted.

Every state has certain minimums that must be met, usually for property damage and bodily injury liability. The minimum amount varies by state. Everything after the minimums required by law is considered optional insurance, which can be manipulated or omitted in order to lower costs. Of course, some lien holders require collision or comprehensive coverage be carried as a condition of the loan, so it is important for the customer to be aware of his individual circumstances.

Comparing Car Insurance Quotes

The key to understanding car insurance quotes is to request that every quote list the same types of insurance and policy limits. It is also important to be sure that every quote lists the same deductible for insurance such as collision. When comparing car insurance quotes, the customer needs to be able to understand how to read the quote. Basically, the quote will be broken out by vehicle.

The quote should then total the premium amount for the vehicle, which is the sum of all the coverage being sold under that particular policy. If the customer wants a particular type of insurance but does not see it listed, then he needs to request a new quote.

How to Lower Car Insurance Cost

There are three strategies for lowering car insurance costs that the customer may be able to utilize to lower the cost of their premium. The first would be to compare identical car insurance quotes from multiple carriers in an attempt to determine which is cheapest. The second would be to lower liability limits, raise deductibles, or remove optional coverage such as collision from the quotes altogether. Doing so will usually lower the total premium cost of the quote because less insurance is being purchased. Finally, the customer can inquire about any discounts that the insurance company might offer. Often, insurers offer good driver and multiple discounts that can save a substantial amount.

A customer in the process of figuring out car insurance cost needs to understand how to read the quote in order to accurately compare car insurance quotes. Combined with the strategies for lowering car insurance premiums, this may allow the customer to save a significant amount of money.

Understanding Liability Car Insurance Components And Criteria

Friday, September 14th, 2012

Liability car insurance is defined as the legal obligation a policyholder to pay in case of a car accident, for other property damaged and personal injury. That can include loss of income and other less obvious issues. It is mandatory in every state. Some require higher minimum coverage than others do but it is the law that all licensed drivers who reside in the state carry this type of insurance. The minimums are a basic safety net but are not calculated to cover all potential financial obligations that may be incurred by the driver as a result of an accident that he caused. To be safe, it is wise to buy as much car liability as you can realistically afford. If you buy cheap car insurance, you will not be fully protected and that is what insurance is for.

Liability car insurance is represented by three numbers with the format 25/30/20. The first number is the amount that an injured party could receive in the event of an accident in which the insured driver is at fault. The second number is the total amount to be paid per event regardless of the number of people injured and the third is the amount of property damage to be paid per event. Although all states require minimum liability car insurance, the amount varies widely. Currently the lowest required minimum is 10/20/10 in Oklahoma and the highest is 50/100/25 in Maine.

Typical accident claims exceed the minimums, often by substantial amounts, so it makes good sense to purchase more coverage than it does to buy cheap car insurance. The odds are that if you do, you could be paying many times what your insurance company does in the event of a catastrophic incident. The fact is the being under insured can led to long-term financial disaster.

There are two types of liability car insurance. The first is bodily injury liability, which means that the insurer of the at-fault driver is responsible to pay the driver, and/or the passengers in the other vehicle an amount up to the limit stated in the policy. Bodily injury liability is not the same as personal injury coverage that pays for the policyholder’s injuries. The second type is property damage liability, which pays for damages to property, other than the vehicle, that is incurred as a result of the accident. This can include anything from light poles to mailboxes to trees and fences.

Having enough liability car insurance is important. To buy cheap car insurance is to be open to significant personal financial responsibility in the event of a serious car accident. Complete coverage is protection against that eventuality.

Where To Find Deals And Steals Before You Buy Car Insurance Online

Friday, September 7th, 2012

It is important to investigate and research the types of available deals before you buy car insurance online. There are many great ways to buy car insurance online these days including a fast rate quote for student car insurance and as a buyer, you have many options.

You can select several brand name insurance companies and start visiting their websites to learn more about each company. While you are there, you may want to get a free rate quote by providing them with a few basic pieces of information. After comparing a few different quotes from top companies, you will notice that some rates are a little higher than others and no two rates seem to be exactly the same. Some companies include more coverage than other companies while others might throw in more additional features and extra benefits to make a person feel more valued as a customer. By knowing where every company stands and what they are prepared to offer, you are one step closer to becoming a smart car insurance shopper who knows how to save dollars.

When you have found the company that you would like to deal with, you may notice that you can save an additional amount of money by inquiring about student car insurance discounts and auto debit plans that automatically deduct money from your checking account. In addition, you might want to choose the popular option of paying your insurance premiums for the next six months with an advanced upfront payment.

Do not be afraid of looking for better deals to buy car insurance online by getting an accurate online rate quote if your current insurance company is changing your rates by continuously raising your rates. A bodily injury liability plan is the basic amount of coverage in which you need to cover bodily injuries on death in the result of an accident that might be caused by you while driving. If this is the only amount of insurance coverage that you require, do not get persuaded by a high pressure insurance sales representative to get a complete package of extended coverage including collision coverage and comprehensive coverage. Uninsured motorist insurance can really come in handy if this benefit is a part of your plan and you unexpectedly are rear-ended by someone who does not have any car insurance.

After an accident, medical payment benefits can pay for the costly medical expenses that are accumulated for not only the policyholder, but also the passengers who are involved in an accident. Additionally, it is great to have rental car benefits that are provided by your insurance company. These benefits are greatly appreciated in times of need.

Tips And Tactics Of The Quick Car Insurance Quote

Sunday, September 2nd, 2012

Are you interested in learning more about the tips and tactics of the quick car insurance quote? The quick car insurance quote is something that has come on strong in recent years. A quick quote is the best way for an individual, such as a parent who is looking for cheap car insurance for teens, to get a basic proposal from an insurance company that informs them of what type of rate that particular company has to offer at the time. Car insurance rates can be more quickly obtained through an internet website quote than by talking on the phone or by any other conventional method such as going into an insurance office. One of the most important things to remember is that you must be sure that the source of your quote is a legitimate one. You can tell which websites are real and reputable by usually looking on their web pages for seals of approval from reputable sources such as the BBB.

It is said that it is unwise to judge a policy entirely on price. By selecting the wrong company that is here today and gone tomorrow, there is no telling the depth of unorganized activity which may unfold in your future. Go with a trusted name that is valued by the majority of people in the insurance world for providing quality service for a long period of time. It is helpful to know what the minimum liability requirements are for your state because you will then be able to align your policy to closely resemble this structure. If you are one of the many people who require additional insurance coverage such as comprehensive coverage or collision coverage for your vehicle, there are ways to literally build a custom policy for yourself online from the ground up. If you are a California resident, you should be aware that the minimum liability limits are set at 15/30/5. This way you can get a quote for the exact amount of coverage that you need. There may be times when an insurance company may set the limits of your policy too highly in order to make more money.

These days insurance companies should compete strongly for your business so do not sell yourself short. Taking the time to carefully look over different plans in order to find the right one that gives you the most benefits would benefit you greatly, including cheap car insurance for teens. There are many great benefits to look for like roadside assistance, towing and labor service, and rental car benefits that can be offered in addition to your policy by a company that really wants your business more than the others do.

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