more insurance 2/3/4/ – gtg

Money Is Your Friend, So Keep More Of It With Easy Auto Insurance Tips

Auto insurance seems like it should be easy, given the constant bombardment of commercials and ads screaming free quotes and instant proof of insurance. Yet, if you’ve ever really looked at your policy or had to deal with an auto insurance company, you know it’s anything but simple. Read on to learn a few tricks that can make this area of your life easier.

Keep a camera in your car at all times. In case of an accident, you are going to need documentation for your insurance company. Take photos of the accident from all angles, and make sure to include time and date stamps on them. Take these to your agent when you file your claim.

Do not forget to remove drivers from your car insurance plan. If you add a child or any other individual as a driver to your plan, do not forget to remove them when they are no longer using that vehicle. If you don’t remove them, you are paying more money than you need to be.

If you are married, make sure that you have your spouse on the same car insurance plan. Many car insurance providers offer reductions to those who are married. This can save you a lot of money. Marriage indicates some level of stability, thus making you a more dependable driver in the insurance company’s eyes.

Look into the option of group insurance. There are some insurance companies that offer discounts to drivers who get their insurance through a group plan. This could be a policy through an employer or club. Inquire with your employer or any clubs that you belong to and find out if it is available.

When choosing an auto insurance policy, consider the quality of the company. The company that holds your policy should be able to back it up. It is good to know if the company that holds your policy will be around to take care of any claims you may have.

Do not make a rash decision and drop your insurance coverage before you are positive you have a policy with the other company. You don’t want to be caught with auto insurance because you never know when an accident can happen.

The more claims you file, the more your premium will increase. If you do not need to declare a major accident and can afford the repairs, perhaps it is best if you do not file a claim. Do some research before filing a claim about how it will impact your premium.

If you are a man, you should be prepared to pay more for your car insurance. This is because, statistically, men are more likely to have accidents. If you are a married man, however, the agencies tend to believe you are more responsible. Make sure that you re-evaluate your policy if you change your marital status.

Car insurance can be extremely complex. Hopefully after reading these tips through, you feel a little more clear and confident about how to handle such matters. Keep what you read in mind in order to save your stress, time, property, and money in future car insurance dealings.

=========================gtg

Be Well Informed When You Follow These Tips On Auto Insurance

Many people are searching for ways to cut costs and save money. More often that not, they find that they are overpaying for car insurance and can usually get lower rates and premiums. This article has several tips that will help you lower your car insurance costs without losing coverage.

When insuring a teenage driver, lower your car insurance costs by asking about all the eligible discounts. Insurance companies generally have a discount for good students, teenage drivers with good driving records, and teenage drivers who have taken a defensive driving course. Discounts are also available if your teenager is only an occasional driver.

Being an auto dealership can have its insurance perks. You must maintain insurance policies on the vehicles you carry, but you can get a deal for this through dealers insurance. These policies will allow you to drive any of the company owned cars, essentially eliminating the need for personal auto insurance.

If you upgrade your car with aftermarket items like spoilers or a new fender, you may not get the full value back in the case of an accident. Insurance policies only consider the fair market value of your car and the upgrades you made generally do not get considered on a dollar for dollar basis.

Having an expensive car or car that is considered a sports car will often increase the price one pays for auto insurance. If one does not like the sound of that, then they should consider getting a different type of car. It will not only save them insurance money but often money off the car itself.

Take a close look at your auto policy and take off any “extras” that you won’t use. For example, you might have emergency roadside assistance included in your plan. If you don’t think you are going to use this, drop it in order to decrease the amount you are spending on your insurance. Your agent can help you figure out what else might apply.

Insurance companies base their rates on their past experiences with their customers. If you hear something about a general trend regarding one type of vehicle, this might not reflect how all insurance companies view that particular vehicle. You should request quotes from several companies and compare them: you might notice a rather big difference.

Figure out how many miles you drive in a year before you get a car insurance quote. This is another large factor in auto insurance premiums, so you want to make sure the company has an accurate estimation of the amount of time you spend on the road. This could add up to big savings on your quote.

Hopefully, the tips in this article will help you realize that there are ways for you to cut car insurance rates. These simple tips can help you reach a new, lower rate with your insurance company without compromising coverage. All you have to do is put them in action and take the first step by calling your agent to ask about lower rates.

===============gtg

Tricks On How To Get Good Auto Insurance Quotes

Automobile insurance is important for anyone who owns or leases a vehicle that they drive – even if only occasionally. Insurance protects you during accidents by potentially paying for any damages or other fees, and can even replace a totaled car. Read this article to pick the best auto insurance possible.

The year and options on your vehicle will play a large roll in how much your insurance premium is. Having a newer car with lots of safety features can save you some, but if you have it financed you will also have to pay more for full coverage.

When considering auto insurance for a young driver, be sure to consider your options as far as whether or not to include them on your policy or to get them their own policy. Depending on your current rates and history, it may or may not be beneficial for them to be included on your plan.

When you are dealing with car insurance you have to walk that fine line of how much coverage that you actually need. You don’t want to end up with not enough but you also don’t want to have too much insurance because that can be expensive. Insurance will depend on how much income you have and also, how many assets that you have. Be sure to research because most times, the state minimum, is actually not enough coverage.

Most student drivers pose a higher risk to auto insurance companies because their age bracket is statistically involved in more accidents, but students can combat this by simply making the honor roll. Students with good grades are less likely to get behind the wheel of their cars drunk or having taken drugs, and insurance companies know this.

You should merge all of the insurance policies you have on your vehicles into a single policy. Doing this can save you up to 10 percent on your premiums. It also amalgamates all your bills and paperwork into a single policy. This will make the situation much easier if you ever need to file a claim as you’ll only be using a single insurer and a single policy number.

If you have an older car that does not have a high value, remove the collision coverage from your insurance to save money. It is possible that your car is worth less than your deductible, so consider carefully whether or not collision coverage is actually going to pay anything in the event of an accident.

If your car is insured with multiple drivers and one of them stops using the car, notify your insurance company immediately. It is the honest thing to do. More importantly, it can reduce your premiums significantly in many cases. Young drivers, old drivers, and drivers with bad records all boost your premium. Get them removed from your policy as soon as you can.

Auto insurance quotes are a great way to compare prices of different companies. Looking online or stopping at insurance offices can help you decide which auto insurance is right for you. Remember the tips in this article to make sure you’re paying the best price for the right auto insurance for you and anyone else on your policy.

=============gtg

Very Important Information To Consider Before Purchasing Auto Insurance

Auto insurance can be one of those things that we spend a lot of money on but really don’t know just quite what we have bought. This article can help you understand what your auto insurance policy provides for you. Understanding your policy can help you to be able to save money by not buying benefits that you don’t need.

When considering insurance for a young driver, it is wise to not purchase an expensive car. Rates are high enough for teenagers, they will skyrocket depending on the type and worth of a car. In this situation, safety is one of the highest factors effecting insurance costs.

Auto insurance for young drivers is very costly. You can save some money by choosing the right kind of car for your teenager to drive. If you allow your teen to drive the Mustang, prepare to pay through the roof. If, on the other hand, you restrict your teen to the most “beater”-like car you own, your premiums will be notably lower.

Save money by evaluating your car insurance needs and improve your personal finance. The more your car costs, the more your insurance will cost. With so many variables in insurance policies, choosing what you need versus not needing can be tough. However, one that you might want to consider cutting is the collision damage part. If your car is in bad shape then there is obviously no need to have that type of coverage.

Being an auto dealership can have its insurance perks. You must maintain insurance policies on the vehicles you carry, but you can get a deal for this through dealers insurance. These policies will allow you to drive any of the company owned cars, essentially eliminating the need for personal auto insurance.

If you are just buying a car for jetting around town, see if your insurance company offers discounts for low mileage driving. The less you drive, the less likely you are to have an accident that your insurance will have to pay for. Most companies recognize this with discount offers.

It is prudent to shop around when you are looking for car insurance, as this is a fiercely competitive industry. There can be wide variation in rates among the various auto insurers. To keep your premiums as low as possible, be sure to obtain new quotes at least once per year. However, make sure the policy details for each quote are very similar.

Do some thorough planning ahead when shopping for your next car. Planning ahead can save you a lot of money when it comes time to put it on your car insurance plan. Start looking at statistics and comparing prices early on. It’s always a great idea to plan for the future.

Check into how much you would save by using the same insurer for both your home and your car. Some companies offer a discount if you have multiple policies with them. The majority of companies today do insure a variety of items, so it is a good idea to look into the possibility.

Many consumers blindly buy auto insurance without knowing what it really offers them. Reading this article will help you make better choices and save money on your insurance.

================gtg

Tricks On How To Get Cheap Auto Insurance

Auto insurance is not a hard process to complete, however, it is very important to make sure that you get the insurance that best fits your needs. This article will provide you with the best information for you to find the car insurance that will keep you on the road!

When considering auto insurance for a young driver, consider signing up for automatic payments if your provider supports them. Not only will this help to ensure that payments are on time, but your insurance provider may even provide a discount for doing so. Another option to consider is paying the entire premium at once.

When trying to get a lower rate on your auto insurance, don’t be afraid to shop around. Auto insurance companies use different formulas to calculate who is a higher risk driver and therefore who has higher premiums. Even a slightly different set of questions could mean big savings for you.

When you have car insurance you want to do what you can to keep your premiums low. Something that you can do is to make sure that you get all discounts that you are able to get. Some things to look into are things like if your car has an alarm on it, how many airbag does it have? A lot of insurance companies will also offer a discount if you take a defensive-driving course.

To save money on your car insurance shop for it before shopping for a new vehicle. Besides your driving record and location, the biggest factor in your price is the car they are insuring. Different companies will set different rates that are also based on their experiences paying claims for that type of car.

Saving money on auto insurance doesn’t always happen as soon as you sign your policy. One of the best ways to save is to stick with the company for a few years while proving you are a safe driver. As your driving record remains unblemished, your monthly premiums will start to go down. You could save hundreds each year that you avoid an accident.

There are a lot of factors that determine the cost of your automobile insurance. Your age, sex, marital status and location all play a factor. While you can’t change most of those, and few people would move or get married to save money on car insurance, you can control the type of car you drive, which also plays a role. Choose cars with lots of safety options and anti theft systems in place.

Move to a rural area. The closer you are to the city, the higher your premiums will be. Accidents, break-ins, and vandalism all increase inside city limits, so premiums have to be higher to cover the damages. The farther away from the city you go, the lower your premiums get.

As stated before in this article, auto insurance isn’t hard to come by, however, it is very important to make sure that you get the insurance that best fits your needs. Now that you have read this article, you have the information that you need to get the right insurance policy for you.

==================gtg

New Ways To Save More Money When Shopping Auto Insurance

Are you buying auto insurance for the first time? You probably don’t even know where to start. It’s no secret that purchasing auto insurance for the first time can be a bit overwhelming. Below are some tips that can help to make getting a new auto insurance policy a bit smoother.

Keep a running tab on car insurance rates every year. If you are diligent about checking your policy options with your carrier and others, you can save a lot of money on your premium. When you shop your insurance you can either find a more affordable company or prompt better savings from your current insurer.

Before you purchase a vehicle, look into how much it will cost to insure the car. Your agent will be able to provide you with the information that details which vehicles have the best insurance rates. If you’re in the market for a new or previously owned vehicle, insurance rate info could be a big factor in your choice. Your insurance premiums will be a lot lower if you make sure your new car is one with an excellent safety rating.

As expensive as adding your teen driver to your auto insurance policy can be, it may be worth it in the long run, as it will help him or her to begin building up a good credit report. If they maintain a safe driving record, this history of insured good driving will give them a better rate when they reach adulthood and are purchasing car insurance of their own.

Rental car policies vary, but most allow only an immediate relative, who is of age, to drive the rental car. Be sure to pay special attention to the rental contract as it will state who is allowed to drive the car. Some rental companies will require anyone driving to sign the agreement and provide their driver’s license. It is also possible for the rental company to charge an additional fee for additional drivers.

Have an alarm, immobilizer or tracker installed in your car. Reducing the risk of theft saves money for everyone. Having an alarm, immobilizer, or tracker installed in your car can save you some grief and a bit of money on your car insurance policy. Check to make sure that your provider offers discounts for having it installed first.

Some insurance providers will not provide the senior-driver discount unless you complete a mature driver safety course. It is a class that is a lot like the defensive driver course but focuses on the many driving issues that an older driver may face each day. It will save you money and maybe even save your life.

Look in to the option of group insurance. There are some insurance companies that offer discounts to drivers who get their insurance through a group plan. This could be a policy through an employer or club. Inquire with your employer or any clubs that you belong to and find out if it is available.

As you have seen, buying auto insurance is not as scary as it may appear at first. Just think of all of the benefits it has and all of the expenses it can take care of, along with all of the money it can save you in the long run.

====================gtg

Great Advice When You Need Auto Insurance

Car insurance is a major expense for many households, but it’s important to have. A good car insurance policy is essential when trying to get back on the road after an accident. So what should you look for when shopping for car insurance? Here are a few tips to keep in mind.

Keep a running tab on car insurance rates every year. If you are diligent about checking your policy options with your carrier and others, you can save a lot of money on your premium. When you shop your insurance you can either find a more affordable company or prompt better savings from your current insurer.

When considering auto insurance for a young driver, be sure to check with multiple insurance agencies to not only compare rates, but also any perks that they might include. It also cannot hurt to shop around once a year to see if any new perks or discounts have opened up with other companies. If you do find a better deal, let your current provider know about it to see if they will match.

To keep your insurance claim going smoothly, you should start a notebook with details as soon as you make the claim. The first thing you will get is a claim number and everyone involved will be asking for that. Documenting every contact, conversation and promise will help you negotiate your settlement later.

With auto insurance, the lower your deductible rate is, the more you have to pay out of pocket when you get into an accident. A great way to save money on your auto insurance is to opt to pay a higher deductible rate. This means the insurance company has to pay out less when you’re involved in an accident, and thus your monthly premiums will go down.

Keep a camera in your car at all times. In case of an accident, you are going to need documentation for your insurance company. Take photos of the accident from all angles, and make sure to include time and date stamps on them. Take these to your agent when you file your claim.

Don’t pick an insurance just because it is cheaper. Each insurance company provides different types of plans with varying levels of coverage. One company may offer a plan for $100 less, but it may just have liability coverage. Most states require protection against damage to another person’s car, but not for your own.

If you are car shopping be sure to check with your auto insurance agent about how the car you are selecting will affect your premium. Different cars will have different effects on your insurance costs, and it is often difficult to predict on your own what a certain car will mean for your premiums.

When purchasing car insurance, there are many factors you need to consider. Preparing yourself beforehand will make sure you find a policy that’s right for you. Take the time to read through the advice in this article before making any decisions regarding your policy. The advice offered may very well come in handy.

=================gtg

Investigating Different Money-Saving Auto Insurance Methods Anyone Can Use

Let’s face it: accidents happen. Car accidents happen more frequently than we want to talk about. Protect yourself by purchasing auto insurance before something bad has a chance of happening. Don’t risk driving if you don’t have auto insurance! The tips below will help you pick the auto insurance that is right for you.

When considering auto insurance for a young driver, be sure to consider building up his or her credit, prior to shopping for insurance. This will not only assist with the new driver being able to get a possible better rate, but will also help when the young person may need other large purchases or loans in the future.

When you are purchasing car insurance you need to know and understand all the coverage types under your policy so that you know where you are covered and what exactly you are paying for. Things like uninsured motorist protection, for example, covers injuries that you get or the people in your car get. This is used when the other driver doesn’t have insurance or if there was a hit-and-run.

A lot of consumers believe that insurance premiums routinely drop at age 25. Actually, rates start dropping around age 18, so long as the driver has a solid record of safe driving.

If someone causes an accident that involves you and or your vehicle, and their insurance only covers a portion of the cost, or expenses you have incurred, having under-insured coverage on your policy will make up the difference so you don’t have any out of pocket expenses, or aren’t left with a large deficit.

If you want to pay less for your insurance, stop driving your car. Sounds simple, but it’s effective as long as your insurance company offers discounts for cars with low mileage. Taking the bus or walking more often can keep your car in the garage and save you money on your premiums. You might even lose a pound or two!

When you’ve narrowed down to a couple of cars that you want to buy, make sure to compare insurance rates and premiums for each car. Car insurance can vary based on things like price of the car, likelihood of theft, repair costs, and safety record. You might find that one car has a lower rate than others.

If the amount of your premium on your auto insurance seems to high, make sure to question it. If you don’t, you could end up paying an incorrect amount. Call the insurance company and ask them why your rates are the way they are. Remember, tickets and accidents can also raise premium rates.

Before choosing auto insurance, you should get quotes from a number of different vehicle insurers. Doing research will allow you to find the best rate for you.

Accidents are, unfortunately, inevitable. Don’t let yourself or your teen driver use a car unless auto insurance is obtained. Having auto insurance can protect your family from a bad financial situation, should an accident occur. Use the tips above to find the right auto insurance for you and your family.

==============gtg

                                                                   

Driving Toward Big Savings With Auto Insurance

The search for auto insurance can lead you all over the place. There is so much conflicting information available, you may not know where to turn. Auto insurance does not have to be that confusing. Below you will find tips to help you best understand some of the car insurance ideas.

When considering auto insurance for a young driver, be sure to provide the insurance company with all of the proof that may entitle the driver to a discount. This will ensure you are paying as little as possible, and also ensure that the process goes smoothly. Such discounts would be safety features of the car, good grades, recent graduation, and having a safe prior record.

See if your auto policy will cover aftermarket additions before buying any. Insurance often doesn’t cover these parts separately, but only the difference between the value of the car with and without those parts, which is often not a lot.

It’s important, if you’re looking to get the most out of your auto insurance dollars, to continue to evaluate whether you’re paying too much in terms of the number of drivers you need to cover. For example, if you’re still carrying auto insurance for your children who are grown and in college who don’t use your car, then take them off the policy and your rates will go down nicely.

To make sure your insurance covers you like it should, make sure you know how to file a claim and keep the paper work related to your insurance policy handy. When something happens, do not wait to file a claim. Contact your insurance right away so that they can help you out quickly.

Did you know that a simple feature on your automobile like anti-lock brakes entitles you to an insurance discount? It’s true; the safer your vehicle is, the less you will ultimately have to pay for auto insurance. So when you’re shopping around for a car, spending a little extra for safety features is rewarded in the long run via lower premiums.

People with clean driving records, will pay the least in auto insurance premiums. Keep your record clear of tickets, moving violations, and accident reports if you want to lower your premium or keep it inexpensive. A single accident or ticket will likely increase the amount you have to pay.

If you own an older model vehicle, drop your collision coverage. Most policies have a limited amount collision coverage, that will not pay for more than the blue book value. Investigate how much your vehicle is worth, and then figure out how much the added collision coverage will cost you. Paying the extra coverage amount is sometimes not worth your while.

When you go forward with a new educated perspective, you will be able to get the best auto insurance available to you without the confusion or misinformation. Navigating your current car insurance options will be a breeze when you keep in mind the ideas you learned here.

==============gtg

Tips And Tricks That Will Help You Get The Auto Insurance You Deserve

Buying and maintaining auto insurance is imperative to protecting not only your vehicle but yourself, your passengers, pedestrians and other motorists. Although the vast majority of states require you to purchase a certain level of auto insurance, the minimums they set are often insufficient, and some people choose to ignore the law altogether. The following article provides you with important information on the different types of auto insurance and how it can adequately cover you in the event of an accident.

To save money on your car insurance, choose a car make and model that does not require a high insurance cost. For example, safe cars like a Honda Accord are much cheaper to insure than sports cars such as a Mustang convertible. While owning a convertible may seem more desirable at first, a Honda will cost you less.

When insuring a teenage driver, save money on your car insurance by designating only one of your family’s vehicles as the car your son or daughter will drive. This will save you from paying the increase for all of your vehicles, and the cost of your car insurance will rise only by a small amount.

When considering auto insurance for a young driver, keep in mind the type of car in relation to the type of insurance you are buying. If the car itself is not worth that much money, pay special attention to the extras on the claim, as well as the deductible amount. Most providers will work with you, based on your choices.

One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q & A session that may introduce you to some discounts you did not previously know about.

When you are driving on the road, make sure that you obey the speed limit. There is no reason to get unnecessary tickets, which can cost you a lot of money and raise your insurance rates over the year. Drive safely if you want to increase your cash at hand.

Do the math before filing an insurance claim to see if it is worth it. Insurance companies love to raise rates on drivers who file claims, it’s the nature of the industry. Avoid making claims that aren’t going to net you much money back. If you are filing a claim for two hundred dollars, is it really worth the extra premiums you’ll pay in the future?

If you’re planning on buying a new car, choosing one that is less desirable to thieves will lower your insurance rate. Online, you can find lists of the cars reported stolen most often and it’s likely that they are the same lists that your insurance company uses to calculate your premium. Use this information as part of your research into which car you should buy.

Being involved in a traffic accident can be a traumatic experience. However, some of the worry can be relieved by having the right auto insurance coverage. By following the advice and tips offered in this article, you can save money, gain peace of mind and learn how to take advantage of all the benefits that your auto insurance policy has to offer.

=================gtg

Car Insurance Tips

A lot of people are finding it difficult these days to decide what kind of auto insurance is right for them. The thing about auto insurance is that it’s a subject where the more you know the better chances you’ll have at getting the right type of coverage for you.

One way to reduce the cost of your auto insurance is by driving less. Most auto insurance companies offer discounts for drivers that use their vehicles less than 12,000 miles in a year. However, do not be tempted to lie about your mileage, as your auto insurance company might request proof if you need to file an accident claim.

As you get older and maintain a good driving record, you will save money on auto insurance. It’s worth asking your auto insurance company about discounts for experienced drivers — of course, providing you continue to drive safely. The best age for auto insurance rates is between 55 and 70 years of age.

Doing something simple like putting a car alarm on your automobile can ultimately save you hundreds of dollars over the life of your insurance policy. Statistics show that vehicles with alarm systems are less likely to be stolen, and any vehicle less likely to be stolen poses less of a risk with an auto insurance company.

Stay far away from vehicles with the word “sport” included on them. Anything that goes fast is viewed negatively by insurance companies, as these can influence drivers to take more risks, which in turn costs them more money. Steer clear of sporty vehicles unless you want your premiums to get higher.

If you upgrade your car with aftermarket items like spoilers or a new fender, you may not get the full value back in the case of an accident. Insurance policies only consider the fair market value of your car and the upgrades you made generally do not get considered on a dollar for dollar basis.

Know what the different types of coverage are and what types are available to you in your state. There is body and property liability, uninsured motorist coverage, coverage of medical expenses, collision and comprehensive coverage. Don’t assume your plan includes all types of coverage. Many insurance companies offer a la carte plans.

An important consideration in securing affordable auto insurance is the condition of your credit record. It is quite common for insurers to review the credit reports of applicants in order to determine policy price and availability. Therefore, always make certain your credit report is accurate and as clean as possible before shopping for insurance.

With the information you just learned you should already have a better idea of the type of auto insurance coverage you want to get for yourself. This information is only but a portion of all there is to know about the type of coverage you might want to get. Be on the lookout for more information and when you feel confident get the coverage that suits you the best.

====================gtg

Stay Out Of Jail And Get Some Auto Insurance

Car accidents happen. Some are big, some are minor. You can try to avoid them by driving safely but that does not guarantee that the drivers around you will do the same. This is why purchasing auto insurance is vital to protecting you and your finances. Below are tips to help you purchase auto insurance.

Get new quotes on your auto insurance when your situation changes. If you purchase or sell a car, add or subtract teen drivers, or get points added to your license, your insurance premiums change. Since each insurer has a different formula for figuring out your premium, always get new quotes when your situation changes.

There are many ways to save money on your auto insurance policies, and one of the best ways is to remove drivers from the policy if they are no longer driving. A lot of parents mistakenly leave their kids on their policies after they’ve gone off to school or have moved out. Don’t forget to rework your policy once you lose a driver.

Keep your record clean! Your driving record is the main thing that insurance companies look at when deciding what to charge you. It is more important than the car you drive and your credit rating together. Even getting a simple speeding ticket can set your premiums higher, so keep your nose clean!

Purchase a high quality “safety-rated” vehicle to get lower premium rates. These vehicles are known to be the safest on the market, so insurance companies will give you a bit of extra credit if you are driving one. Look for sedans and family cars, as they are usually the ones with the best ratings.

\Check and see if your car insurance provider offers any low-mileage breaks. If you do not drive your car often, this could end up saving you a fair amount of money. There is no harm in asking your provider whether they offer something like this and whether or not you qualify.

When you are reading about the different types of car insurance, you will probably come across the idea of collision coverage and lots of words like premiums and deductibles. In order to understand this more basically, your should be covered for damage up to the official blue book value of your car according to your insurance. Damage beyond this is considered “totaled.”

When switching your auto insurance coverage, one important tip is to cancel your old insurance policy just before accepting the new one. Auto insurance is expensive enough without having to pay for two policies at the same time, so be sure to cancel the old policy and have the new one issued on the same day so that there is no period of double payment.

Don’t leave it to chance, get auto insurance now! The tips above will help you select the right auto insurance for you, so you can be assured that you are a protected driver. In the long run, having auto insurance could save you a lot of money and stress. So take the steps to obtaining it today!

===================gtg

How You Can Lower Your Auto Insurance

With so many types of automobile insurance out there, people can easily become confused about what type of coverage they need and which companies to choose overall. Before you purchase your insurance, read up on a few ways you can work to save money on any type of auto insurance premium.

When it comes to car insurance, a good tip is to pick a more affordable choice of car, especially if you have a teenager of driving age in the household. For instance, if you have a choice between a sedan or a sports car, go with the former. Insurance for a sports car is always more expensive.

When your children leave home permanently, take them off your auto insurance policy. It can be hard to accept, but once your children move out, they’re adults and responsible for their own insurance. Removing them from your insurance policy will save you a significant amount of money over the course of the policy.

When you are dealing with car insurance you have to walk that fine line of how much coverage that you actually need. You don’t want to end up with not enough but you also don’t want to have too much insurance because that can be expensive. Insurance will depend on how much income you have and also, how many assets that you have. Be sure to research because most times, the state minimum, is actually not enough coverage.

Know what kind of car insurance coverage your company offers and what is out there. It can help you decide what you might need individually or for your whole family. If your company does not offer what you are looking for there are many others out there.

If your car is insured with multiple drivers and one of them stops using the car, notify your insurance company immediately. It is the honest thing to do. More importantly, it can reduce your premiums significantly in many cases. Young drivers, old drivers, and drivers with bad records all boost your premium. Get them removed from your policy as soon as you can.

Even though you may be loyal to a certain auto insurance company, it pays to shop around for other companies each year. The prices of auto insurance are constantly taking and by not looking around, you could be spending far more on your current insurance than you would be with another company.

The type of vehicle you choose to drive can affect the cost of your car insurance, particularly if you drive a sports car. Insurance for sports cars is typically more expensive because these cars have a high theft rate and poor collision performance. However, it pays to shop around because different insurance agencies have different methods of deciding what defines a sports car. While any small, fast car with two doors is generally considered a sports car, the question gets trickier when it comes to four-door cars. Just because one agency classifies your vehicle as a sports car doesn’t mean the next one will do the same.

It really should be about saving money when you’re shopping for an insurance package. Of course, you always want to make sure that you’re receiving quality coverage so that you’re fully protected, but saving money is what everyone is after. Use these insurance tips when you’re ready to save big.

======================gtg

Effective Tips About Your Auto Insurance Coverage

Car insurance is a major expense for many households, but it’s important to have. A good car insurance policy is essential when trying to get back on the road after an accident. So what should you look for when shopping for car insurance? Here are a few tips to keep in mind.

With your car insurance, it is important that you know what your coverage covers. There are certain policies that only cover certain things. It is important that you understand what your plan covers so that you do not get stuck in a sticky situation where you get into trouble.

If you are a young driver with a high rate, add a responsible older driver to your policy to help get it lowered. Insurance companies look at the age of the drivers, as well as, their driving records, so adding someone over the age of thirty, who has a clean record, will quickly drop your premiums.

Stay far away from vehicles with the word “sport” included on them. Anything that goes fast is viewed negatively by insurance companies, as these can influence drivers to take more risks, which in turn costs them more money. Steer clear of sporty vehicles unless you want your premiums to get higher.

Ask the people you know for a recommendation. Everyone who drives has insurance, and many of them have had both good and bad experiences with different companies. Ask them which company they use, and why. You may find that your friends have found better deals at a company you wouldn’t have thought to look at.

When you are shopping for auto insurance for your teenage driver, get quotes for both adding him or her to your insurance and for buying a separate insurance policy. In general it will be cheaper to add a new driver to your current insurance, but there may be circumstances when it is less expensive to buy a separate policy.

It is not always the best idea to purchase a car for your teen. It is a good idea to let them drive one of the family cars. Putting a teen on your policy is much cheaper than getting them separate insurance. If your teenager is on honor roll, it might be good enough for a discount.

A great tip for getting affordable auto insurance is to consider dropping your coverage if your car is only worth a couple of thousand dollars. Since coverage pays for damage to your vehicle, you would only need to have a couple of thousand dollars to replace the car. Therefore, there is no need in having high coverage in this instance.

When purchasing car insurance, there are many factors you need to consider. Preparing yourself beforehand will make sure you find a policy that’s right for you. Take the time to read through the advice in this article before making any decisions regarding your policy. The advice offered may very well come in handy.

================gtg

insurance 2.20 – gtg

Mexican Insurance Store, one of today’s leading providers of online Mexican auto insurance, has been working on raising awareness about buying Mexican insurance on the Internet. The company’s website is available 24/7, and Mexican insurance Store has been noticing an uptick in the number of policies that are being sold on the weekends and weekday evenings. “While some folks plan out their Mexican vacations ahead of time, others are happy to head out on a total whim,” says Linden Gray, the president of Mexican Insurance Store. “Some of those people don’t realize that they can buy a Mexican insurance policy at any time of the day or night through our site, so we’ve been working harder than ever to make that more widely known.”

Through the company’s website, a traveler can log on and choose from a wide selection of Mexican car insurance policies. The site doesn’t shut down at night or on weekends, so travelers can click their way over to the site to get the Mexican auto insurance that they need at any time. “We keep track of the types of Mexican car insurance policies that are purchased and when they are purchased,” says a Mexican Insurance Store IT professional. “While more Mexican auto insurance policies are sold during regular business hours, plenty of them are sold in the middle of the night and at other somewhat unusual times. There’s no telling when someone will need Mexican insurance.”

The company’s quote system is also available 24/7. Travelers can visit the site to find out how much a Mexican auto insurance policy will cost at any time of the day or night. “I’m the type of person who likes to do research in the middle of the night, when things are nice and peaceful,” says one longtime Mexican Insurance Store customer. “I’ve always appreciated the fact that the Mexican Insurance Store site is available at all times. I’ve requested and received several quotes in the middle of the night from the site, and it’s worked perfectly fine each time.”

Mexican Insurance Store has never had a reason to shut down its site during the wee hours of the night. “Our customers need to have access at all times,” adds Gray. “Some people work night shifts, and others may just be impulsive and want to hit the road right away. We’re not concerned about why they want to access the site; we are strictly concerned about connecting them with high-quality Mexican car insurance policies when they need them the most.” The site is also open on all major holidays, and purchases can be made at any time.

While it’s true that shacks along the border sell Mexican auto insurance at all times, Gray advises against buying coverage from them. “Most shacks at the border charge more and provide less for this type of coverage,” he says. “Anyone who cares about saving money and buying reliable Mexican auto insurance is wise to buy their insurance online from Mexican Insurance Store before hitting the road.” Furthermore, there’s no need to wait in line when buying Mexican auto insurance online. “It’s so nice to find a policy and pay for it in just a few seconds,” says one customer. “The fact that I can do that at any time is especially nice.”

About Mexican Insurance Store.com

Mexican Insurance Store is the largest provider of Mexican Auto Insurance in the South. The company offers a variety of Mexico car insurance policies online and provides Mexican auto insurance to Canada and US travelers nationwide. Self-service policies are purchased and printed instantly by customers or created by Mexican Insurance Store and emailed or faxed to customers in minutes at no additional charge.

================gtg

Retirement years should ideally be carefree years where you indulge in your favorite activities without worrying about the costs. These activities could be holidaying at your dream destination, buying expensive art, antiques or collectibles, showering your kids and grandchildren with gifts etc. Sounds like a dream retirement, doesn’t it? But the power to turn this dream into a reality lies in your hands and the best time to start working towards it is now.

So what is the right approach and what should one do?

Income-earning years is the time when you can save money, but most people end up spending all or most of their money without giving this any thought. The best way to deal with this is to train your mind into thinking that your earnings are at least 20% less than your actual income. This can best be achieved if you instruct your bank to automatically deduct 20% of your salary or income and to put it in a recurring deposit. This will ensure that you do not overspend or end up with a zero balance bank account at the end of every month.

The next thing you need to do is to look for the best possible way to multiply or grow this money. There are varied investment avenues and the choice would differ from person-to-person.

One factor that will govern your decision will be your age. Your risk-taking capacity will be high when you are young say in your late 20’s or early 30’s. This is the time when you can take your chances and invest in medium-risk moderate-returns products, and the daring few can even experiment with high-risk high-returns products. However, if you are an extremely safe investor then you should look for low or no-risk investment options. As you get older, you must look for extremely safe investment options that will give you guaranteed returns.

All-in-all, the safest bet to ensuring good returns and getting a large corpus of funds by the time you retire, is to maintain a balanced portfolio throughout your lifetime and to review your portfolio every few years.

Some of the investment options for a balanced portfolio are:

→ Bank Fixed Deposits

→ Company Fixed Deposits

→ Mutual Funds and SIPs

→ Gold and Gold ETFs

→ Provident Fund

→ Bonds and Debentures

→ Money Market Funds

→ Equity

→ Pension Plans

→ Real Estate

→ Public Provident Fund PPF – Minimum amount you can invest is Rs 500 per year and maximum amount is Rs 1 lakh per year. The interest rates on PPF have also increased to 8.6% per year.

→ National Savings Certificate or NSC – Minimum amount you can invest is Rs 100 and there is no upper limit on investment.

At the same time do not forget to invest in a life and a health insurance policy. A life insurance policy will act as a safety net and ensure that your family’s financial needs are taken care of in your absence. A health insurance cover with a critical illness rider is also a must. The reason for this is that medical treatment costs are escalating and incase of any disease or illness, the expenses can make a dent in your savings. Moreover, treatment of any critical illness like Cancer, Stroke etc can nearly wipe off your savings. And please do make the mistake of underinsuring yourself.

Remember this – Over aggressive investments can take away your hard-earned money, whereas conservative investments may not fetch great returns. The art lies in having a balanced portfolio for that dream retirement!

======================gtg

Lloyd’s of London is warning that the insurance industry faces an extremely challenging outlook as the world’s oldest market slipped deep into the red following record claims from natural disasters.

An unprecedented run of catastrophes in Australia, New Zealand, Japan and the US has led to insurers paying out billions of pounds this year. This made the first half of the year the costliest six-month period in the insurance market’s 323-year history.

Richard Ward, Lloyd’s chief executive, said 2011 shapied up to be the second-worst year on record for the insurance industry – after 2005, which saw Hurricane Katrina wreak havoc across the southern US. Others, including Lloyd’s of London insurer Hiscox, believe this could easily be the most destructive year ever.

“If we see more catastrophes come through it could well be [the second worst year ever],” said Ward. “Things will get more and more challenging. We’re faced with a pretty dire economic environment. Everyone is talking about sovereign debt default and a double-dip recession. It doesn’t make happy reading. The economic environment is, of course, affecting all our clients.”

This makes it harder for insurers to raise the cost of cover. Ward warned: “While interest rates are low and equity markets are volatile, we can’t rely on investment income to subsidize our underwriting, we must decline under-priced risks.”

Lloyd’s, which began in a coffee shop in the City of London in 1688, slumped to a pretax loss of £697m in the first half, against a profit of £628m a year ago, reflecting £6.7bn of claims.

While insurers have been lifting their premiums to protect against natural catastrophes in Australia, New Zealand, Japan and the US, Ward said that elsewhere rates are flat or even falling. “We do need to see rates go up to restore the industry to profitability,” he reiterated. “But rates are going up from a low level, the market was still reasonably hard and there were still profits in the system.”

The frequency and severity of natural disasters is making life hard for insurers. “It does feel as though [natural disasters] are happening a lot more frequently,” Ward said, although he added that “you have to look over 100 years rather than just 10 years”.

“When these events happen everyone does revise their models. But I always say what worries me is the things we don’t model,” he said.

Lloyd’s revealed that it had minimized its exposure to some European government debt regarded as too risky, and was steadily pulling deposits from peripheral European banks. A spokeswoman explained that Lloyd’s had no investments in Greece, and “minimal exposure” to Ireland, Portugal, Italy and Spain. Rather than rushing to withdraw deposits from certain banks, Lloyd’s is shifting its portfolio towards more secure banks as term deposits mature.

Lloyd’s has an investment portfolio worth £50bn, with 38% allocated to corporate bonds, 28% to government bonds, 29% to cash and 1% to equities. Most of its government bonds are UK gilts and US Treasuries, which are seen as safe havens.

Luke Savage, Lloyd’s finance director, said: “Given the uncertainty around the eurozone, we would seek to reduce potential downside risk. As a result, we’re not holding government debt of any peripheral EU countries and have sought to reduce our exposure to banks in these countries.”

Some 80% of Lloyd’s corporate bond holdings are from financial institutions. Savage said Lloyd’s was shifting its holdings towards high quality banks, perhaps with government backing, from single-A rated banks and peripheral European institutions.

MEP Godfrey Bloom, UKIP’s city spokesman, who sits on the economic and monetary affairs committee of the European parliament, said: “Lloyd’s are only doing what they have to do. Their job is to ensure that money deposited with them is treated with full due diligence and care. Anything else than acting to protect these deposits by removing them from potential harm in risky countries would be a dereliction of their duty.”

The news comes a day after it emerged that German engineering group Siemens pulled its deposits out of Société Générale in July.

At 113%, Lloyd’s has a combined ratio – a key measure of an insurer’s underwriting profitability where 100% and anything over indicates a loss – which compares favorably with the 117% recorded by its Bermuda-based rivals and 116% for US reinsurers, although European insurers and reinsurers have a lower ratio of 106%. Ward believes Lloyd’s is benefiting from the diverse book of business that its members write – covering anything from natural disasters to kidnapping, fine art theft and space and satellite insurance.

==========================gtg

=========================gtg

====================gtg

=============gtg

============gtg

==============gtg

premiums.

===================gtg

==================gtg

===============gtg

===============gtg

=================gtg