tag:blogger.com,1999:blog-302321872024-03-13T23:58:10.794-07:00Free Auto Insurance QuotesAuto Insurance Search on The Netshamhttp://www.blogger.com/profile/10638826878676990626noreply@blogger.comBlogger8125tag:blogger.com,1999:blog-30232187.post-62048358357919555352007-06-09T11:56:00.000-07:002007-06-09T11:58:14.883-07:00Best Car Insurance Quote - Get it OnlineYou know that you can get great deals on clothing, electronics, and household goods by shopping online. But did you know that you can also shop online for the best car insurance quotes?<br />Find the Best Rates on the Internet<br />If it's been a while since you compared auto insurance rates, you may not realize that rates for the same coverage can sometimes vary hundreds of dollars from one company to another. Fortunately, the internet makes it easy to compare car insurance quotes so you know when you're getting the best rate.<br />To compare car insurance quotes online, go to an insurance comparison website. Once there you'll complete a simple form with personal information, such as your name, address, and age. You'll also need to enter information about your:<br />* Vehicle, such as the year, make, model, VIN number, and safety features.<br />* Driving habits - the number of miles you drive each year and any tickets or accidents you've had.<br />* Coverage amounts you want.<br />* Deductibles you want for comprehensive and collision coverage.<br />On the best insurance comparison websites, you can even talk online or by phone with insurance professionals if you have any questions. (See link below.)<br />Once you type in this information, you'll receive fast, accurate quotes from multiple A-rated car insurance companies. Then you can simply compare the quotes and choose the company with the best rate.<br />Find the Best Company<br />In addition to looking at the price of your auto insurance, you'll also want to look at the reliability and service record of each company. To check on the service record of insurance companies, you can go to your state's department of insurance website and see how many complaints customers have made about each insurance company. You can check out a company's financial and credit rating by going to the A.M. Best website (ambest.com).<br />Visit <a href="http://www.lowerratequotes.com/">http://www.lowerratequotes.com/</a> or click on the following link to <a href="http://www.lowerratequotes.com/">get the best car insurance quote from top-rated companies</a> and see how much you can save. You can get more car insurance tips in their Articles section.<br /><br />About the Author<br />The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting the best car insurance quote.shamhttp://www.blogger.com/profile/10638826878676990626noreply@blogger.com1tag:blogger.com,1999:blog-30232187.post-77765568677137826232007-05-24T09:08:00.000-07:002007-05-24T09:09:16.575-07:00Car Insurance Guide - How To Minimize Premium And Maximize Service<p>Auto insurance is almost always required by law, so there is a good chance you will need to become educated on it at some point in your lifetime. A good way to do this is by using the car insurance guide, which helps one find <a href="http://www.carinsurance-4.info/" target="_blank">cheap auto insurance</a> and figure out which plan is best for your needs. The fee that you pay annually for car insurance is called a premium. If you get into an accident that is your fault, your auto insurance company pays the repair costs of the other person's car.</p><p> <a href="http://www.goarticles.com/cgi-bin/showa.cgi?C=498825#authorurl#" target="_blank">Online auto insurance</a> is the main focus of this <a href="http://www.carinsurance-4.info/" target="_blank">car insurance guide</a> , but it will also touch briefly on other types. A plethora of results will come out for search of 'car insurance' in net. The best option would be, however, to get a result comparing insurance options from different companies so as to get the best possible results in terms of money.</p><p> When choosing car insurance, be sure to go with a known company. Small and cheaper companies compensate for the low rates with poor service. For a policy holder, service and speed is very important when it comes to estimates or payment for any repairs. Buyers will desire agents available to answer any questions in making their insurance decisions.</p><p> Although it is not the focus of this car insurance guide, offline insurance works well from some people. There are companies that act as brokers for many different insurance companies. These groups can help you compare different insurance policies and assist you with the choosing process. Some people prefer this method because they get to speak with a live person, instead of just typing in information over the internet. Individual insurance companies also have their own storefronts where you can meet with an agent and discuss that particular company.</p><p> Choosing a car insurance policy can be very confusing, and the car insurance guide can help with that. It is important to know that the minimum insurance policy required by law in most states is liability insurance. Liability insurance pays only for repairs to the other party's car in accidents that are your fault, but not for any other costs.</p><p> If your car is financed (that is, if you have car payments) most loan companies will require you to have comprehensive insurance. This insurance will reimburse you for the cost of repairs to your own car, if an accident is your fault.</p><p> You can purchase many other types of insurance to put on your policy. Some policies pay your repair costs if the other driver isn't insured and the accident is your fault like "Underinsured motorist" insurance while other policies cover roadside assistance, medical care, and much more.</p><p> Your deductible is a key component of your insurance policy. The deductible is the amount you pay to fix your car when an accident is your fault. Higher deductibles mean more out of pocket costs to you in the event of an accident, but they also mean cheaper premiums.<br /></p> <p>Car insurance can be claimed by just paying insurance premium every month and when accident occurs your money will be reimbursed. The best way to search for the car insurance is searching on the internet, it will give you options of many company.</p>shamhttp://www.blogger.com/profile/10638826878676990626noreply@blogger.com0tag:blogger.com,1999:blog-30232187.post-77978718134927092842007-03-10T22:06:00.000-08:002007-03-10T22:07:54.282-08:00New Car Insurance - How to Get The Cheapest Rates<p>So you just purchased the car of your dreams, or you're about to, and you want to get the best new car insurance at the best rate. Here's how to do it.</p><p> <b>New Car Insurance</b></p><p> When you buy a new car your loan company will require a certain amount of new car insurance to protect itself in case your car is damaged or stolen. </p><p> If you don't get your own insurance, your loan company or dealer will get it for you and, believe me, it won't be cheap. The last time I purchased a car the difference between my loan company's insurance rate and the rate I got myself was more than $1,000. </p><p> So the first thing you need to do is go shopping for your own insurance and compare rates.</p><p> <b>Comparing Rates</b></p><p> The easiest and fastest way to get cheap rates is to go to a car insurance comparison site (see links below). Here you can get multiple rate quotes from a number of car insurance companies so you can compare them and choose the best rate. </p><p> Once you're on the site you'll be asked to fill out a questionnaire so you can tailor your insurance to fit your specific needs. As you fill it out you'll be able to view a list of discounts and include them in your auto insurance policy.</p><p> Here are some new car insurance discounts worth considering:</p><p> * Raising your deductible by a couple of hundred dollars can save you hundreds of dollars a year on your premium.</p><p> * Installing an auto alarm and ant-theft device can get you a good-sized discount.</p><p> * Dropping unnecessary coverage like medical and towing coverage if you already have them will save you money. </p><p> <b>Comparing Companies</b></p><p> After you choose a car insurance company you want to make sure that company will give you good service, especially when it comes to paying your claims.</p><p> A good way to see how well a company treats its customers is to go to Epinions.com. Here you'll find reviews of all the major insurance companies written by actual customers, plus testimonials on how they were treated and what their claims experiences were.</p><p> You can also go to your state's insurance department website to see what claims have been filed against a particular company. If your state doesn't provide this information, you can get it from the California Department of Insurance website - www.insurance.ca.gov.</p><p> Visit <a href="http://www.lowerratequotes.com/">http://www.LowerRateQuotes.com</a><br /></p>shamhttp://www.blogger.com/profile/10638826878676990626noreply@blogger.com0tag:blogger.com,1999:blog-30232187.post-11810782695763672702007-02-28T00:09:00.000-08:002007-02-27T00:12:25.625-08:00How to Find the Best Auto Insurance Rate With the Best Company<p>Most of us are looking for the best auto insurance rates with a top rated insurance company. But how do you find it without spending half your life visiting insurance offices or talking to agents. Here's a quick and easy way ... </p><p> <b>How do I get the best auto insurance rate?</b></p><p> As a former insurance agent I get asked this question all the time, and each time my answer is the same: "Shop and compare."</p><p> The only way to know if you're getting the best car insurance rate for your particular situation is to comparison shop, and the best way to do that is to fire up your computer and shop online.</p><p> There are a number of sites where you can get auto insurance rates from A-rated companies, and it only takes a couple of minutes to get multiple quotes from a number of top companies so you can compare rates. (See links below.)</p><p> When you go to one of those sites you'll be asked a series of questions in order to tailor the quotes to your particular situation. Some things you want to consider in order to get the best auto insurance rate are:</p><p> <b>* Dropping your collision and comprehensive coverage</b> - If you have a older car that's not worth a lot, you may want to drop your collision and comprehensive coverage. A good rule of thumb is if your annual premium for your collision and comprehensive insurance exceeds 10% of your car's value, consider dropping them.</p><p> <b>* Raising your deductible</b> - If you make a lot of small insurance claims, your insurance company may cancel your insurance. So raising your deductible by a couple of hundred dollars will not only save you hundreds of dollars a year on your insurance premium, it may also save you from having your insurance canceled. </p><p> <b>* Adding security devices</b> - Insurance companies will give you discounts for installing anti-theft devices and auto alarms. Installing these devices not only saves you money, it will give you peace of mind knowing that your car is less likely to be stolen.</p><p> <b>How do I know the company I pick is a good company?</b></p><p> Insurance companies are rated by various independent organizations like A.M. Best, Standard and Poor's, and Moodys. Unfortunately you have to subscribe to their service to get their information, and they only rate companies primarily on financial criteria and not customer experience.</p><p> If you want to get the inside scoop to find out which companies have the best service and pay insurance claims the quickest, surf over to epinions.com. Here you'll get consumer ratings and reviews from actual customers who've used a company's services. Believe me, it can be a real eye opener.</p><p> Visit <a href="http://www.lowerratequotes.com/">http://www.LowerRateQuotes.com</a> or click on the following link to get the<a href="http://www.lowerratequotes.com/"> best auto insurance rates</a> with A-rated companies, and see how much you can save. You can get more car insurance tips by checking out their "Articles" section.</p><p><br /></p><h1><span style="font-size:85%;">About the Author</span></h1> <p>The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to find the best auto insurance rates. </p>shamhttp://www.blogger.com/profile/10638826878676990626noreply@blogger.com0tag:blogger.com,1999:blog-30232187.post-43935309154005742782007-02-27T00:04:00.000-08:002007-02-27T00:06:57.135-08:00The Benefits Of Getting A Home Insurance Quote Online<p>Getting a home insurance quote online is as easy as it gets for comparing different policies and rates from several insurers. There are many benefits in getting an online insurance quote for your home including:</p><p> 1. Convenience - Getting a quote on your insurance online is fast, simple, and available 24 hours a day. You don't need to make an appointment with an insurance agent. You only have to fill out an online form and submit your request.</p><p> 2. Choices - By using the internet in finding rate quotes for your home insurance, you can compare offers from many different insurance companies in a short amount of time without having to spend hours on the phone talking to various agents and insurers.</p><p> 3. Coverage's - You will be able to get quotes for different types of policy coverage's as well. Live in an area prone to earthquakes? You can add this optional coverage onto your rate quote. You can also increase contents coverage, add on expensive jewelry, and a whole host of endorsements and optional coverage's.</p><p> 4. Comparisons - Once you request online quotes from various insurance companies, you will start receiving quotes back in a short amount of time. You can review these quotes from the comfort of your home and make the best choice.</p><p> If your needing a homeowners insurance policy, I would highly recommend getting a home insurance quote online and save yourself both time and money.</p><p> All Rights Reserved Worldwide. Reprint Rights: You may reprint this article as long as you leave all of the links active and do not edit the article in any way.<br /></p><h1><span style="font-size:85%;">About the Author</span></h1> <p>You can learn more about getting a <a target="_new" href="http://www.homeinsurancea-z.com/Home_Owner_Insurance_Online_Quote.html">Home Owner Insurance Online Quote</a> as well as much more information on all types of home insurance at <a href="http://www.homeinsurancea-z.com/">http://www.HomeInsuranceA-z.com</a> </p>shamhttp://www.blogger.com/profile/10638826878676990626noreply@blogger.com0tag:blogger.com,1999:blog-30232187.post-1171568920656265872007-02-15T11:48:00.000-08:002007-02-15T11:48:40.666-08:00Car Insurance For People Aged Over FiftyAre you aged over fifty and currently on the look out for car insurance? Are you fed up with paying such high premiums for your car insurance? Are you looking for a very cheap car insurance quote? In this article, I am going to write about the ways in which people who are over the age of fifty can obtain a very cheap car insurance quote.<br /><br />There are many companies now offering cheap car insurance to all of those people aged over fifty. If you are one of these people, it is time to take advantage of this. Insurance companies have realised that this group of people have grown out of their "boy racer" days and are far more content to drive in a relaxed manner. This of course in turn leads to far less overall claims and hence the cheaper premiums.<br /><br />The next question has to be, where do I find these companies who are willing to offer this competive car insurance qoute? The first place to look has to be the internet. The web is not there just for the under forties to enjoy, many a silver surfer are known to browse the internet each and every day. I always like to search for products via Google.com. If you enter into the search box things like, very cheap car insurance for people aged over fifty, you will see lots of companies who are ready to quote you a price.<br /><br />The insurance companies can also be found advertising on the television and on the radio. Whichever option you choose, make sure you do not miss out on the great car insurance deals that are currently available to you.shamhttp://www.blogger.com/profile/10638826878676990626noreply@blogger.com0tag:blogger.com,1999:blog-30232187.post-1170416175618158052007-02-02T03:34:00.000-08:002007-02-02T03:36:15.626-08:00How Do I Lower My Auto Insurance Rates?Since there are many factors that go into determining your auto insurance rates, there are many chances to lower your rates. <br /><br />If you change jobs and your drive to work changes or you stop working or you work from home, you should contact your insurance company. <br /><br />If you have a teen driver and they go to school over 100 miles away without a car then you should be able to get a discount. <br /><br />If you get married and are in your teens or twenties call your insurance company and see about combining your policies. <br /><br />Take defensive driving if your state allows it for a discount. <br /><br />See if increasing your comprehsive and collision deductibles will save you a lot of money. You need to compare what you're saving and how much more you will have to pay if you file a claim. For example, if you go from $500 to a $1000 deductible and it lowers your insurance $50 per 6 months then it saves you $100 a year. <br /><br />It will take you 5 years to break even from what you are saving compared to how much more you have to pay. <br /><br />Now, if it saves you $250 every six months then it would be more worth your while. <br /><br />See if combining your auto and home insurance polices will qualify for a multi policy discount with your current company. This could be a substantial discount. <br /><br />One of the biggest ways you could save $200-$500 or more a year is shopping around for insurance. The auto insurance industry is very competitive and this is great news for smart consumers like yourself. Shop for auto insurance quotes here and see how much you can save. <br /><br />A. Chris Tijerina has over 3 years of experience in the auto insurance industry and has seen many different people deal with auto insurance related problems. <a href="http://www.insurance-for-cars.com">http://www.insurance-for-cars.com</a> answers many of the questions facing drivers today.shamhttp://www.blogger.com/profile/10638826878676990626noreply@blogger.com0tag:blogger.com,1999:blog-30232187.post-1157208717305907192006-09-02T07:50:00.000-07:002006-09-02T07:51:57.310-07:00Choosing the Best Life Insurance Option for YouLife insurance in the UK is becoming more and more popular with many people now realizing the importance and the benefits of a good life insurance policy. There are two main types of popular life insurance, both of which offer a range of invaluable benefits to UK consumers.<br /><br />Level Term Life Insurance<br /><br />Level term life insurance is the most popular type of life insurance policy with UK consumers, and this may be because it is also the cheapest form of insurance. With level term insurance, you and your family can enjoy peace of mind at an affordable price. If you die during the term of this insurance policy, your family will receive a lump sum payment, which can help to cover a number of costs as well as provide some degree of financial security at what will inevitably be a difficult time. The money could assist with costs such as:<br /><br /><br /><br /><br /><br />Mortgage repayments<br /><br /><br /><br />Funeral costs<br /><br /><br /><br />Education costs for the children<br /><br /><br /><br />Day-to-day living<br /><br /><br /><br /><br /><br />One of the reasons that level term life insurance is a fair bit cheaper than other life insurance is because the insurer only has to make a payment if the insured party passes away, and even then the insured party has to die during the term of the policy for the next of kin (or the named beneficiary) to be eligible for a payout. One of the great things about levels term insurance is that you can benefit from cover for just a few pounds each week, and because the payments remain the same throughout the term of the policy, you'll never have to worry about rising payments.<br /><br />The reason why a level term insurance policy is so called is because the repayment remain level throughout the term of the policy, so you will never have to worry about the cost of your policy rising. The policy is also taken over a fixed term, which is where the 'term' part of the policy comes in. This means that you can enjoy easy budgeting and low cost repayments, and you'll know exactly how long you will be making payment for. On the downside, once the policy expires you will not be able to reclaim any money and the policy will be cancelled, so you will then need to look at taking out alternative life insurance cover.<br /><br />The average term of a level term life insurance policy - unless otherwise specified - is fifteen years. There are a variety of factors that contribute to the cost of the policy such as whether you go for the most basic package or whether you include a bolt-on such as critical illness cover, whether you are a smoker, your general health, and the term over which you take the policy out.<br /><br />Whole Life Insurance<br /><br />Unlike level term life insurance, whole life cover offers a guaranteed payout, which to many people makes it better value for money in the long run. Although the repayments on this type of cover are more expensive than level term insurance, the insurer will make pay out whenever the insured party passes away, so the higher monthly payments will guarantee a payout at some point.<br /><br />There are a number of different types of whole life insurance policies, and consumers can select the one that best fits their needs and their budget. As with other insurance policies, you can tailor-make your whole life insurance cover to include additional cover such as critical illness insurance. The variations on whole life insurance cover include:<br /><br />Non-profit UK whole life insurance policies: This is the simplest form of whole life cover, and enables you to enjoy the convenience of level payments through the term of the policy until you die. Upon death, your family received a payout and the policy becomes null and void. If you want to pay a little extra, you can take out a policy that is fixed over a specified term, which means that you will only be making payments for a certain amount of time, but your family will still receive a payout when you die.<br /><br />With-profit UK whole life insurance: This is a cover and investment type scheme, where your monthly payments are split between your cover premiums and the investment side of your policy. You will enjoy a guaranteed assured sum, and you may find that your insurer adds discretionary bonuses.<br /><br />Low cost UK whole life insurance: One of the cheapest forms of whole life cover, this type of policy features a decreasing term plan, and the policy is combined with a profits fund. As bonuses are added to the profit side of the policy, the policy term decreases. This provides a cost effective solution for those that want to enjoy the benefits of whole life insurance cover without having to make high monthly payments.<br /><br />Unitised UK whole life insurance policy: When you purchase this type of whole life cover, you will also be investing in with-profit units. This means that when the insurer makes a payout, the sum awarded will be dependant upon the value of the units in comparison to the value of the death benefit (the payout will be based upon whichever is the highest in value). Each month units are cancelled in order to increase levels of death benefit cover, with reviews carried out from time to time to ensure adequate levels of death benefit cover.<br /><br />Summary<br /><br />Both level term insurance policies and whole life policies offer valuable peace of mind to policyholders. The cost of this type of life cover is a small price to pay for the peace of mind that comes with being protected, and you can increase this peace of mind by adding extras such as critical illness to your policy for just a small extra fee.<br /><br />As a nation, we like to insure just about everything we can?our cars, our homes, our belongings, our pets, and even our credit repayments. It therefore makes sense that we should insure the most important thing of all - our lives.<br /><br />About The Author<br /><br />Claire Bowes is a successful freelance writer and owner of http://www.a1-life-insurance-quotes.co.uk where you will find further information on http://www.a1-life-insurance-quotes.co.uk/term-life-insurance.html http://www.a1-life-insurance-quotes.co.uk/whole-life-insurance.html and http://www.a1-life-insurance-quotes.co.uk/mortgage-life-insurance.html.shamhttp://www.blogger.com/profile/10638826878676990626noreply@blogger.com0