Insuranceoncars

If you are an owner of a static caravan holiday homes you should consider insurance to cover the caravan as well as the contents. There are two levels of insurance for your static caravan; the static caravan itself and the contents within the caravan.

Insuring the static caravan will cover against loss or damage to the static caravan itself. The insurance can extend to a new for old policies were the caravan can be replaced with a new model should it be damage to an extent which is beyond financial repair. If this is the case some insurance companies will replace the static caravan if it is under 20 years old. The age under which new for old applies will vary from policy to policy. Some companies will only offer new for old for caravans which are less than 10 years old. It is worth checking with the insurance company to determine their exact terms of policy.

The content can be insured under a general policy where by a value is given to the entire content. If you have individual items which are valuable the insurance can also be taken out against such items to given suitable cover.

Below are examples of cover:
Replace new for old
Alternative accommodation costs
Debris removal and resiting costs
Fixtures and fittings
Public Liability
Fatal Accident

Consideration should also be given to the excess which applies to the policy as this will vary from company to company. Also check the policy details to determine the new for old cover and additional cover offered.

When obtaining quotes ensure you receive at least three, the more quotes you obtain the more likely you are to achieve good value for money. Getting quotes online can be a quick and simple method to obtain multiple quotes.

Tags: 10 Years, Accommodation Costs, Caravan Holiday, Caravans, Debris Removal, Extent, Holiday Homes, Insurance, Insurance Companies, Insurance Company, Insurance Cover, Money, New Model, Policy Details, Public Liability, Quotes, Static Caravan Insurance

What if I could save you 10-20% of your yearly automobile insurance which can literally be hundreds of pounds? Very few people shop car insurance companies, yet we price shop in grocery and department stores every day.

It is not that difficult. Do a little research (5 10 minutes) on the type coverage you have and I will help take you forward. I have no real secret here for some of you; BUT, make yourself do the following:

1.Get online and on the phone and get at least 7-10 estimates on car insurance. The more estimates the better. You will be amazed at the discrepancies in pricing. That alone will probably result in major savings for you. Make sure that each company is providing quotes on the same coverage.

2.Make sure the automobile insurance companies know you are getting estimates from others. It may help you get an even better rate.

3.Use the highest automobile insurance deductible YOU can afford. In other words, if something happens to your car, how much would you be able to pay out of pocket BEFORE your insurance money kicks in?

4.Eliminating full coverage on an older, paid off car may or may not be the best plan for you. If the car is not worth much, it is generally better to reduce your coverage. Analyze the cost of full coverage and determine if you want to eliminate that portion of the insurance. How do you analyze? Ask your current agent and one or two of the ones you are getting quotes from. That is it! It is just that quick and easy!

START RIGHT NOW!!!

Look for automobile insurance companies via Google and use your local yellow pages. Do it. Don’t delay. And start enjoy the savings right now!

Let me know via comments how much you saved. Good luck.

Tags: Automobile Companies, Automobile Insurance, Big Money, Car Companies, Car Estimates, Car Insurance Companies, Current, Department Stores, Discrepancies, Full Coverage, Good Luck, Google, Insurance, Insurance Estimates, Insurance Money, Pocket Money, Quotes, Shop Car, Shop Insurance, Yellow Pages

Everyone likes to save money! That fact is not a secret to anyone. When trying to save money on car insurance, a question that should be considered is, What will be the cost to me for saving money? This question is meant to help people realize that there is a difference between price and cost. While Company A may offer slightly lower or even much lower premiums than Company B, Company B may offer some services that you prefer, i.e. a local agent, 24 hour service, online service etc. These services may be worth the extra price to some people, and not for others. Thus, it is shown that services received may out-weigh the price paid.

Another factor to take into consideration is the quality of service you receive from an insurance company. While all auto insurance companies want you to believe that they are as good, or even better than the next company; that is simply not true. There are drastic differences in overall service, claim handling, and personality of individual companies. One company may offer exceptional claims service, but perhaps it is very difficult to actually get in touch with the companys claims department; while another company may have terrible claims service, but their claim department is easy to reach.

One must ask themselves, Is it worth paying lower premiums to receive a lower quality of service, or am I willing to pay a bit more to ensure that my service is exceptional? Dont misunderstand. Just because a company offers lower premiums, does not necessarily mean that companys level of service will be lacking. Great service can come at any price.

The most important item to remember while searching for lower premiums is to do your homework. Talk to your family, friends, and co-workers. Ask them where they are insured, and if they are pleased with their insurance company. Remember, not all insurance companies are created equally, for instance, a company that runs completely over the phone or internet will have different costs than a company that employs fulltime agents. That is because the cost of doing business is different for each of those companies. This brings the question again, What services do I value in my insurance company? Do I want the package Company A offers or that of Company B?

Low rate car insurance is in the eye of the beholder. Simply put, different services are worth different amounts to different people. So find the company with the services you desire and let the games begin.

Tags: Auto Insurance Companies, B Company, Car Insurance, Co Workers, Company B, Family Friends, Friends And Co, Homework, Individual Companies, Insurance, Insurance Company, Personality, Premiums, Quality Of Service, Saving Money

Many factors influence the premium for your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote – some of which will affect your premium and some will not. Below we discuss the key variables that are within the policyholder’s control.
Location
A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.
Excess
By agreeing to pay a greater excess on each claim you can reduce your car insurance premiums. This is because you are reducing the liability of the insurer and therefore in return they are able to offer you a lower premium.
Your Vehicle
The cheaper and slower your vehicle the lower your premiums are likely to be. If you are looking to buy a new vehicle make sure you fully consider the cost of insurance you may be able to buy the car but can you afford to run it?
Consolidating policies
By insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a bulk buy discount.
Parking
Where you park your vehicle overnight is also very important to the insurers. If it is kept in a locked garage, you should be offered a lower premium than if you leave it unattended in the street.
Mileage
You can control your insurance premiums by restricting your annual mileage. However, be aware that if you exceed the restricted number of miles you’ll then become uninsured!
Security
Security devices that prevent or hinder theft may also reduce your premium. Common examples include alarms and immobilisers, however, be aware that as we improve the quality of our security devices the thieves just become better at bypassing them.
No Claims Discount
Save up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you’ll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.
Your Sex.
Women are statistically less likely to have an accident and, if they do, it’s less likely to be serious. Because of these statistics women benefit from lower premiums. It is also worth noting that if you represent one half of a couple you should consider having the female as the primary driver with the male as the second driver.
Advanced driving skills
By taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums. Two key variables NOT within the policyholder’s control.
Your Age
The older you are, the less likely you are to make a claim. As a result insurance companies charge lower premiums for more mature drivers.
One final piece of advice.
A large percentage of car insurance is now sold on the Internet. That’s because it’s convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.

Tags: Alarms, Buy Car, Car Insurance Premiums, Car Insurer, Control, Countryside, Insurance, Insurance Car, Life Insurance, Lower Your Premiums, Mileage, Motor Insurance Policy, Policyholder, Risk, Security Devices, Security Security, Small Claims, Thieves, Urban Areas, Variables

How To Slash Your Car Insurance Costs Up To 54% In 10 Easy Steps – Part 1

How much do you pay for Car Insurance every year?

Eight hundred pounds a year? One thousand? Two thousand?

Whatever the amount you’re paying now, you can slash that amount by more than 50% by simply following a few simple strategies.

Can you cut your car insurance costs by investing only 30 seconds of your time? No, that can’t be done.

But if you’re willing to spend 30 minutes today, this week, or next, I’ll show you how to save up to 6,000 on your Car Insurance over the next 10 years.

Okay, here we go. Grab your Car Insurance declarations page (the page in your policy that details all the coverages you’re paying for) and follow along. Make sure you take some notes. If you don’t have your policy, or can’t find it, call your car insurance company and get one – they’ll send it to you pronto.

STRATEGY 1 – Make sure you’re getting all applicable discounts for your vehicles safety features, such as:

- Front, Side or Head Curtain Air Bags;
- Automatic Seat Belts;
- Anti-Theft Alarms or Tracking;
- ABS or Traction Control….and many more.

Think about the safety features you have….and write them down.

STRATEGY 2 – Review & Change Deductibles For Comp & Collision.

Most Car Insurance Policies have two deductibles – one for “collision” (you hit someone or someone hits you) and one for “Comprehensive” (all other damage or loss).

For both of these, have at least a 500 deductible – preferably a 1000 deductible.

Here’s why – If you are currently paying a 100 – 250 deductible, you’ll save up to 40% per year on your monthly premiums by moving it to 500. That means if you’re currently spending 1,000 a year on insurance, you’re going to get to keep 400 every year. If you jump to a 1,000 deductible, you could keep almost 600 extra a year in your pocket.

I can hear some of you saying, “Wow, a 1,000 deductible. That’s a lot of money.” Yes, it is.

So is paying 1,000 a year with that 100 deductible….versus 400 a year with a 1,000 deductible.

The odds are in your favor – go with the 1,000 deductible.

STRATEGY 3 – Review & Change Property Damage Liability.

Have you ever seen a 100,000 mailbox? Car Insurance Companies must have. Here’s why….

Property damage is not damage done to an automobile but rather “property” like a mailbox or a utility pole. So, why in the world would you need 100,000 pounds of coverage?

In most cases, almost 100% of all property damage claims can be taken care of with only 50,000 of coverage. So take a look at your policy to find out what you’re currently paying for. And if you have little or no Net Worth, drop your coverage even lower – to 25,000 or your States minimum. You can find your States minimum by doing a Google search for “car insurance state minimums.”

Here’s what to look for on your policy – Many will have your liability coverage’s listed like so – 50100100 – The first two numbers refer to bodily injury liability coverage. The 1st number is the pound figure covered per person. The 2nd is the pound figure per accident.

The 3rd number is the “Property Damage Liability.” That’s what you need to change. What does yours say?

STRATEGY 4 – Review & Change Bodily Injury Liability.

Although Bodily Injury Liability Coverage is a must, almost all of us end-up overpaying for the coverage we need. This type of coverage specifically covers:

- Any and all occupants of an automobile, whether it’s yours or someone else’s;
- Any and all occupants of another vehicle;
- And Pedestrians

Your only goal with this type of coverage is to have just enough protection to protect what is yours….in other words, your assets. And in order to protect your assets, you need to figure out what your Net Worth is – here’s a well known site for calculating your net worth – www.kiplinger.compersonalfinancetoolsnetworth.html?

A great way to slash your premiums is to have no more in bodily injury liability than what your net worth is. Here’s a common example of the coverage most people have – If your net worth is only 20,000 and you have 100,000 in coverage, you’re throwing money away.

And if you have little, or negative net worth, just get the required State minimums. You’ll need this info to get the lowest car insurance rates. Again, you can get see your state minimums by Googling “car insurance state minimums.”

Here’s what to look for when trying to figure out how much coverage you have now. As I said earlier, most Policies today have your liability coverage’s listed like so – 50100100 – The first two numbers (whatever they might be) refer to bodily injury liability coverage. In this example, there is 50,000 in coverage per person and 100,000 per accident.

What does your policy say? Are you paying more than your net worth? If so, change it.

STRATEGY 5 – Review & Change UninsuredUnderinsured Motorist Coverage.

The uninsuredunderinsured motorist coverage is a fantastic deal for car insurance companies….and a lousy one for you. This premium alone can increase your auto insurance by a couple hundred pounds a year.

Most folks think that uninsuredunderinsured coverage is there to get your car repaired if it is hit by someone without insurance….or someone with lousy insurance.

Wrong.

Any damage done to your car is already covered – by the premium you’re already paying for collision.

First things first….check your policy if your paying for uninsuredunderinsured coverage now. If you are, Google “uninsured motorist state requirements” to see if your State requires it.

If it’s not required by your State, cancel it.

If the State you live in does require uninsuredunderinsured coverage, make sure you have the absolute minimum required. These minimums are not advertised, change every couple of years and are very difficult to find. So, here’s how you handle this.

Do a Google search for your State Department of Insurance, go to the “Contact Us” page, find a phone number, then call and ask what the minimums are.

Don’t try looking for it. Finding the minimums listed is almost impossible on most State Web Sites – they’ve buried it so deep you’ll never find it. Just call your State Department of Insurance.

I know it’s a bit of a hassle to get the info yourself. Yet relying on the Insurance Companies to give you the correct information isn’t very wise.

Next Part 2 of How To Slash Your Car Insurance Costs Up To 54% In 10 Easy Steps

Tags: 10 Years, 30 Minutes, Air Bags, Applicable Discounts, Car Insurance Company, Car Insurance Policies, Collision Insurance, Curtain, Declarations Page, Ded, Deductibles, Insurance, Insurance Costs, Investing, Premiums, Safety Features, Seat Belts, Theft Alarms, Traction Control, Year One

Get Cheap Car Insurance – Make Getting Quotes Really Easy

When it comes to getting cheap insurance rates, one of the most important tools you have is information. You need to be knowledgeable about the steps you can take to help ensure that you are eligible for the lowest cheap car insurance rates possible. In addition, you need to know how to locate the companies that offer cheap car insurance and compare available rates.

Everybody wants cheap car insurance, but, alas, the rates are up to the insurer. There are many variables that insurers use in determining your rate, some of which you have influence over and some that you dont. Age, for example, is one cheap car insurance factor that youll just have to wait out. However, young or old, you can do things to make you more eligible for the better cheap car insurance rates.

Naturally, the most obvious is to be careful in your driving, avoiding accidents and traffic tickets. Perhaps not so obvious is to avoid making insurance claims if possible. Sometimes, it is cheaper to just pay for less expensive damage than it is to make a claim, when you factor in how that claim will affect your insurance rates in the future.

Other ways to make yourself more likely to receive cheap car insurance rates include use of devices that help to prevent vehicle theft and to recover it if it is stolen, where you live, as areas with a higher crime rate often result in slightly higher rate quotes, and your choice of car. A more conservative vehicle is more likely to have cheap car insurance than is a sports car.

Also important to getting cheap car insurance is knowing where to look. With the advent of the Internet, you have the opportunity to get quotes and compare prices all over the nation. Using that opportunity can greatly increase your chances of finding the cheap car insurance rates you want.

Information is a valuable tool in getting cheap car insurance. The successful consumer knows where to find cheap car insurance and know what variables can affect rates, adjusting what can be fixed and waiting out the rest. Collecting the right information and acting upon it can help you, too, to enjoy cheap car insurance.

Tags: Accidents, Advent Of The Internet, Car Insurance Rates, Car Quotes, Cheap Car Insurance, Cheap Insurance Rates, Compare Prices, Crime Rate, Important Tools, Insurance, Insurance Claims, Insurance Quotes, Insurer, Opportunity, Rate Quotes, Sports Car, Traffic, Valuable Tool, Variables, Vehicle Theft

Georgia Car Insurance Quote – What Is A Good Deal?

Some Georgia statistics

The average auto insurance expenditure for 2003 was 758.69 per year. When compared to the rest of the United States this is very affordable. Georgia ranks right in the middle as number 25 in the contest for the most expensive car insurance. The number one position belongs to New Jersey with average expenditures of almost 1,200 per year. In cities like Detroit and New York the averages are much higher and range from 3,000 to 5,000.

Although Georgia is considered affordable there are still many ways to decrease your monthly auto insurance bill.

As any business insurance companies have costs and can only budge so much on what kind of price they can offer. 65% of the premium that you pay goes straight to claim payouts. This leaves only 35% for overhead and profit. Overhead and taxes account for 25% of your premium which leaves 10% profit. (2004 Insurance Information Institute) 10% profit however leaves plenty of room for an individual to compare quotes and shop around for a good deal and find it.

How to pay only for what you need

First and foremost do not insure yourself for damages that you can afford to pay. Insurance is wisely used only to cover damages that cannot be paid for out of your own pocket. For instance compare what higher deductibles would save you compared paying one in the case of an accident. Think about what your driving record has been like in the past three years and make a good guess as to what your record will be like in the future three years. Is it likely to change?

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One of the best things to do before looking for a car insurance estimate is to see exactly what the state requirements are as far as what the necessary minimum coverage is in order to have adequate coverage. This is something that might be better to do without the assistance of an insurance agency if possible because their job is to sell insurance and they make more money with the more coverage they are able to sell.

Most of the time, a car insurance estimate will include collision, liability and comprehensive coverage on a vehicle. Most households have two or more vehicles and every car should be included when seeking out a car insurance estimate. There are a few things that can be done to make getting a car insurance estimate easier and more accurate especially when dealing with more than one car insurance company.

Hunting around for a car insurance estimate is not something most people enjoy doing. It is one of the worst chores that is required in order to have a vehicle on the road, but it is worth seeking out the most competitive car insurance estimate available. Although getting a car insurance estimate from a number of companies isnt a desirable task; many people spend far more than they absolutely have to each year on their auto insurance because they simply havent taken the time to compare rates and policies with other auto insurance companies. It would be hard to find someone who would walk into an appliance store and decide to spend 200.00 more on a washer that offers the same exact quality and features as the one next to it that costs far less. It doesnt make too much sense to do the same thing with car insurance.

In order to spend less time on the phone when looking for a car insurance estimate, it is a good idea to have a number of items handy including a drivers license, vehicle identification numbers, make, model and year of each car and even the name and contact information for the company that is financing all vehicles if applicable. There are also a number of factors that can be taken into consideration when seeking a car insurance estimate that may mean additional savings per year. Features on each auto including airbags, auto alarms, anti-lock brakes and other things may mean discounts on auto insurance. Some insurance companies will even offer discounts for having more than one policy with their company as well as insuring multiple cars through with their coverage. Additional discounts may be found through other things like accident-free driving record, defensive driving course incentives and other discounts.

Other circumstances may cost a driver more with certain companies when looking for a car insurance estimate. Men under the age of 25, single drivers, younger drivers under the age of 21, the number of miles driven per day and even the kind of car that is driven can cost a person more money on car insurance when shopping around. The best part about this is that not one car insurance will probably charge the same amount of money for the same coverage so shopping around will prove that there are better choices available.

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Car insurance is one of the most expensive costs involved in driving a car, and it’s not something you can avoid – a minimum level of insurance is required by law. That doesn’t mean you have to blindly pay whatever your insurer quotes though, as there are several simple things you can do to reduce the cost of your premiums.

1)Shop around and buy online: Figures show that many people simply renew their current policies without shopping around. The internet makes it easy to compare prices from different insurers, so why not take advantage of this? Plus, you’ll usually get a discount of 10% or more just for buying your policy online.

2)Policy type: do you really need a comprehensive policy with all the extras? Going for a third party fire & theft policy can reduce your premiums hugely, and is definitely worth considering if your car isn’t an expensive model.

3)No claims discounts: Nearly all policies feature a discount that increases for every year you don’t make a claim. The higher the discount available, the more you could save. Also look at insurers offering a ‘no claims bonus for life’ feature, where your current discount level can be fixed forever, even if you have to make a claim somewhere down the line.

4)Excess: The excess on a policy is the amount of a claim you have to pay before the insurer pays the rest. Choosing to have a higher than standard excess level will usually mean lower premiums.

5)Security: Fitting your vehicle with an alarm, immobiliser, or other security devices can lead to premium reductions. Parking you car off-road, for example on a driveway or in a garage, will also mean a cheaper policy.

6)Pay annually: Many insurers charge you interest for the privilege of paying in monthly installments. Pay annually if you can afford it to avoid this, or look for one of the companies who don’t charge extra for monthly payment.

7)Mileage: The more mileage you run up every year, the more your insurance will cost. Even if you can’t reduce your mileage, make sure you’re not overestimating how much you actually do drive, and give your insurer an accurate figure.

8)Drivers: The more drivers you have on your policy, the more it will cost. Reduce the number of people insured to drive your car to the minimum possible, and try to get the policy in the name of a driver with the lowest risk profile. For example, if a car is driven by both a man and a woman, insuring it in the woman’s name will often result in a cheaper quote.

Tags: Bonus, Cheaper Car Insurance, Compare Prices, Driving A Car, Easy Car, Fire Theft, Immobiliser, Installments, Insurance, Insurance Car, Insurance Cost, Insurer, Lead, Mileage, Party Fire, Premiums, Privilege, Security Devices, Shopping, Third Party

Cheap Car Insurance For Students – Is There Such A Thing?

Cheap car insurance is out there

My college days were laced with phone calls from the motor vehicle department reminding me of my many speeding tickets and moving violations. Although they never revoked my license I dont think a driving record can get much worse without losing your license altogether. A driving record like that along with being younger than 25 years of age and you are looking at some very expensive insurance rates. At one time I had fifteen tickets on my record. Cheap car insurance was not the question. Getting at all was the issue. Many companies would not even insure me. Those that did would not touch me for less than 600 per month. To make a long story short I did end up with insurance that was affordable. Even with tickets from my state and 3 surrounding states.

What to watch out for

Before running out and getting quotes from all over the internet there are some things to know. I was able to find insurance for about 136 per month while having that driving record. I also forgot to say that I had one accident claim on record also. I was able to find very affordable insurance. The difference is the coverage. I did have to give some things up. Many companies are very different in what they offer. It could range from free vehicle towing to very high deductibles. Be sure to compare not only the quoted rate but the coverage also. And remember, in three years most states will clear your driving record and when you hit the age of 25 your rates improve dramatically.

Please see our recommended source for all insurance quotes. We have done the research so you don’t have to.

EzQuoteGuide.com connects you to multiple brokers so you can find the cheapest insurance rates.

Tags: Accident Claim, Affordable Insurance, Cheap Car Insurance, Cheap Insurance, Cheapest Insurance, College Days, Deductibles, Insurance, Insurance Coverage, Insurance Quotes, Insurance Rates, Motor Vehicle Department, Moving Violations, Phone Calls, Running, Speeding Tickets