Showing posts with label auto insurance. Show all posts
Showing posts with label auto insurance. Show all posts
Friday, February 9, 2007
How Risky Is Your Car?
You can evaluate how your car rates on insurance costs easly. Please click this tools . Select a Make to see a list of criteria used in determining insurance costs and then Go. Enjoy your evaluate.
Monday, January 29, 2007
AUTO INSURANCE TIPS For Empty Nesters
It's well-known that children drive up the cost of auto insurance. Adjusting your coverage will make it cheaper.
1. Ask for an age discount.
Combined with a safe driving record, you can get better rates for being an older driver. "As you become a more mature driver, there are more discounts available," says Roger Sevigny, secretary and treasurer for the National Association of Insurance Commissioners and the New Hampshire insurance commissioner. The magic period: between 55 and 70, he says.
2. Tell your agent you've retired (or are doing some telecommuting.)
When you're not racking up commuter miles every day, your rates will likely go down, Sevigny says. The number of miles you're driving can have "an immediate impact" on your rates, he says.
3. Adjust your auto coverage.
If the kids have left for good, take them off the policy. If they are simply away at college, ask about a distant-student credit, says Jack Hungelmann, an insurance consultant and author of "Insurance for Dummies." Usually, it applies if your child is a full-time student, has gone at least a certain distance to college and hasn't taken one of the family cars to campus. And it can give you a nice break on the premiums.
source: articles.moneycentral.msn.com
1. Ask for an age discount.
Combined with a safe driving record, you can get better rates for being an older driver. "As you become a more mature driver, there are more discounts available," says Roger Sevigny, secretary and treasurer for the National Association of Insurance Commissioners and the New Hampshire insurance commissioner. The magic period: between 55 and 70, he says.
2. Tell your agent you've retired (or are doing some telecommuting.)
When you're not racking up commuter miles every day, your rates will likely go down, Sevigny says. The number of miles you're driving can have "an immediate impact" on your rates, he says.
3. Adjust your auto coverage.
If the kids have left for good, take them off the policy. If they are simply away at college, ask about a distant-student credit, says Jack Hungelmann, an insurance consultant and author of "Insurance for Dummies." Usually, it applies if your child is a full-time student, has gone at least a certain distance to college and hasn't taken one of the family cars to campus. And it can give you a nice break on the premiums.
source: articles.moneycentral.msn.com
Top 5 insurance tips
1. Beware of payment protection insurance
2. Make sure your gadgets are insured
3. Review your critical illness cover
4. Don't go ski-ing without the right cover
5. Consider car breakdown cover
soure: www.thisismoney.co.uk
2. Make sure your gadgets are insured
3. Review your critical illness cover
4. Don't go ski-ing without the right cover
5. Consider car breakdown cover
soure: www.thisismoney.co.uk
Thursday, January 25, 2007
Tips on Selecting An Insurance Company
When shopping for auto insurance, do a little homework first, shop around, and select your insurer carefully. Your insurer should offer both fair prices and excellent service. These tips will help you find the right insurer for you:
> Know your state's auto insurance requirements:
Most states require you to carry a minimum amount of liability coverage. Many states have "no-fault" auto insurance systems. Coverage for medical costs for you and your passengers is optional in some states. Coverage for damage to your car is optional.
> Write up your personal auto insurance profile:
List pertinent information concerning what type of vehicle you drive, where you drive, who else drives, what your driving record is, where you live, what optional safety features your car has. This profile will make the next step easier.
> Comparison Shop:
Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the Yellow Pages, and call your state insurance department for guidance. Contact insurance agents or companies for general pricing information. Select a few insurers for personalized quotes.
> Meet with potential insurance agents:
Make a few appointments, bring your personal auto insurance profile with you, and ask questions. You want a fair price AND quality service. Ask about available discounts, higher deductibles, service options and claims procedures after accidents. Take notes.
> Compare Again:
Consider cost, coverage offered, and quality of service available. Select your insurer.
> Read your policy:
Yes, even the fine print! Ask questions. Keep your policy at hand. Call your insurer to keep your policy up-to-date, inform your agent of any changes (new car, new job, new driver, etc.), and ask periodically about any possible discounts. Review your policy yearly with your insurer.
>Keep your insurance information with you:
Many states require drivers to carry a proof-of-insurance card with them when driving. Ask your insurer for a card, and keep it in your wallet or in your car
source: www.collision-insight.com
> Know your state's auto insurance requirements:
Most states require you to carry a minimum amount of liability coverage. Many states have "no-fault" auto insurance systems. Coverage for medical costs for you and your passengers is optional in some states. Coverage for damage to your car is optional.
> Write up your personal auto insurance profile:
List pertinent information concerning what type of vehicle you drive, where you drive, who else drives, what your driving record is, where you live, what optional safety features your car has. This profile will make the next step easier.
> Comparison Shop:
Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the Yellow Pages, and call your state insurance department for guidance. Contact insurance agents or companies for general pricing information. Select a few insurers for personalized quotes.
> Meet with potential insurance agents:
Make a few appointments, bring your personal auto insurance profile with you, and ask questions. You want a fair price AND quality service. Ask about available discounts, higher deductibles, service options and claims procedures after accidents. Take notes.
> Compare Again:
Consider cost, coverage offered, and quality of service available. Select your insurer.
> Read your policy:
Yes, even the fine print! Ask questions. Keep your policy at hand. Call your insurer to keep your policy up-to-date, inform your agent of any changes (new car, new job, new driver, etc.), and ask periodically about any possible discounts. Review your policy yearly with your insurer.
>Keep your insurance information with you:
Many states require drivers to carry a proof-of-insurance card with them when driving. Ask your insurer for a card, and keep it in your wallet or in your car
source: www.collision-insight.com
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