by Robertson
As you look around for affordable auto insurance, it's a good idea to start with an online quote comparison website. Comparison sites can give you quotes and coverage details from multiple car insurance providers without your having to phone or visit the companies individually. You'll be able to concentrate on finding the right policy for your needs while viewing the pricing up front.
Perhaps you've already read about online auto insurance quotes, but were hesitant to fill out the forms due to the ongoing threat of identity theft on the Web. The good news is some quote sites offer quote information while requiring only minimal details about you. This means you can get enough information about various providers to make an informed decision without compromising your personal data.
First look for a reputable quote site featuring a detailed "About Us" section as well as contact information and a privacy policy. These are crucial to building trust on the Web, especially for any website asking for personal information from its visitors. Do a little research to find a site like this before entering any information about yourself or your driving needs.
What to Expect
While automobile insurance quote sites vary in the information they require, there are some basic requirements to expect. First and foremost, you'll need to enter basic driving information as well as details about the type of car you drive. Driving information will generally include your age, gender, marital status, and driving history. Driving history questions may include details about your record, and whether you've had speeding tickets or accidents in the past. If applying for a teen driver, the site may ask for information regarding school grades or a driver's education course. Both of these can equal car insurance discounts for young drivers.
For vehicle information, you'll be asked about the make, model and year of your automobile. You may also be asked if your car usually remains parked in a garage at home or the work place, the number of miles driven each month or year, and whether or not your car is in a high crime area. Auto insurance providers will use these details to determine the amount of risk for issuing a policy to you or a family member.
You'll also be asked about the types of coverage. You can opt to receive quotes on various types of coverage, or choose to ignore certain types. For example, if your vehicle is completely paid for, you can opt to buy liability coverage only instead of liability and collision coverage. You might also want to get extra coverage such as a comprehensive policy, which covers weather damage, theft, fire, accidents involving animals, etc.
When filling out an auto insurance quote form, don't leave off any details. The questions are there for a reason, and your answers could drastically affect the amount of your premium. Now that you know what to expect, don't hesitate to find affordable automobile insurance online!
Chris Robertson is an author of Majon International, one of the worlds MOST popular [http://www.majon.com]internet marketing companies on the web.
Learn more about Auto Insurance.
Article Source: [http://EzineArticles.com/].
Wednesday, July 14, 2010
Friday, July 9, 2010
Car Insurance, A New Car And GAP Coverage
By Scott Lunt
If you're shopping for car insurance on a new car, you may wonder if your coverages will pay off your car loan if it's totaled. Chances are they won't unless you get a special kind of coverage.
Car insurance policies typically provide coverage for liability, collision (damage to your vehicle from an accident), comprehensive (damage from fire, theft, vandalism, etc.), and uninsured/underinsured/ motorists.
With these coverages, damage to your vehicle is usually only covered up to the current market value of your car. So if you bought a brand new car for $25,000 and three months later it's totaled, you may only be reimbursed for the current market value -- which would be quite a bit less due to the rapid depreciation of new cars. For example, if the current market value for your car was now only $17,500 (hypothetically) that's the most you would be reimbursed for.
Of course the problem arises if you still owe more than market value on your car loan. Then you would still need to pay off that difference to the lien holder. GAP insurance was created to help consumers in this situation. It is a special coverage you can get when you purchase your car that will cover the "gap" between what you owe and what your car's value is. It may or may not cover any deductible you have with your regular coverages.
Of course GAP coverage will cost you extra above your minimum required coverages for auto insurance. You need to decide if it's worth it based on your situation and the type of loan you have on your vehicle. You can ask for a quote on GAP coverage when you're shopping for car insurance.
Not all insurance companies may offer it, so you definitely want to get several car insurance quotes. This is also the best way to save money since car insurance rates vary from company to company. A convenient way to do this is to get your quotes through one Web site that offers comparison quotes. It can save you time because you should only have to enter your information once.
Get free comparison [http://www.loweryourinsurance.com/car-insurance.html]car insurance quotes, plus more information about saving on [http://www.loweryourinsurance.com/]car insurance at [http://www.loweryourinsurance.com/]LowerYourInsurance.com. The site also includes a handy worksheet to help you when shopping for car insurance. Scott Lunt is a freelance insurance writer.
Article Source: [http://EzineArticles.com/]
If you're shopping for car insurance on a new car, you may wonder if your coverages will pay off your car loan if it's totaled. Chances are they won't unless you get a special kind of coverage.
Car insurance policies typically provide coverage for liability, collision (damage to your vehicle from an accident), comprehensive (damage from fire, theft, vandalism, etc.), and uninsured/underinsured/ motorists.
With these coverages, damage to your vehicle is usually only covered up to the current market value of your car. So if you bought a brand new car for $25,000 and three months later it's totaled, you may only be reimbursed for the current market value -- which would be quite a bit less due to the rapid depreciation of new cars. For example, if the current market value for your car was now only $17,500 (hypothetically) that's the most you would be reimbursed for.
Of course the problem arises if you still owe more than market value on your car loan. Then you would still need to pay off that difference to the lien holder. GAP insurance was created to help consumers in this situation. It is a special coverage you can get when you purchase your car that will cover the "gap" between what you owe and what your car's value is. It may or may not cover any deductible you have with your regular coverages.
Of course GAP coverage will cost you extra above your minimum required coverages for auto insurance. You need to decide if it's worth it based on your situation and the type of loan you have on your vehicle. You can ask for a quote on GAP coverage when you're shopping for car insurance.
Not all insurance companies may offer it, so you definitely want to get several car insurance quotes. This is also the best way to save money since car insurance rates vary from company to company. A convenient way to do this is to get your quotes through one Web site that offers comparison quotes. It can save you time because you should only have to enter your information once.
Get free comparison [http://www.loweryourinsurance.com/car-insurance.html]car insurance quotes, plus more information about saving on [http://www.loweryourinsurance.com/]car insurance at [http://www.loweryourinsurance.com/]LowerYourInsurance.com. The site also includes a handy worksheet to help you when shopping for car insurance. Scott Lunt is a freelance insurance writer.
Article Source: [http://EzineArticles.com/]
How to Save Up to 40% Off of Your Current Auto Insurance Policy Through Online Auto Insurance Quotes
By Bob Randooke
Don't you just hate going through your local yellow pages looking for a reliable auto insurance agent but there are so many choices that it makes things so confusing as to which agent or which company would give me the best auto insurance policy at the best prices. You have to meet with them first, allow them to explain their policy in detail and go over all of the fine print and then be pressured into making a decision on the spot.
If you just invite one or 2 agents over to your house how will you know if their deals are really the best prices for you since you have no one to compare them to and if you wanna call even more auto insurance agents then your looking at making separate appointments with each one and then waiting days to actually meet them. When you are through with the whole process not only could it take weeks but you will also have to put yourself through a series of pressured sales pitches that are designed to try to get you to sign with their particular agent as soon as possible. Now how can you save yourself all this trouble and find a good auto insurance policy from an agent who does not need to have a heavy sales pitch to get you to sign? Well the answer is very simple and has been in front of your eyes for years. Online auto insurance quotes.
There are many benefits to getting your auto insurance quotes online as opposed to doing it the land based way. For one, when your looking for a quote online you do not need to meet with any auto insurance agent initially to view your quotes prices. You just visit one of the many leading brand online sites , fill out a quick one page form and in less then half an hour you will have a series of up to 5 auto insurance quotes in your email . The benefit here is that the prices of the policies are stacked up right next to each other for you to compare so you can pick the best policy at the lowest price. No sales pitch is done at all because these online websites get so many leads to work with that they do not need to get desperate to get you to go with them. In other words they let their policy and prices do the talking. The main reason why online auto insurance quote prices are much lower than their land based counterparts is that when the insurance companies go online they save a ton of cash on expenses and they will definatly pass down the savings from their expenses to you.
You can then select the best policy for you and then make a quick and painless appointment with the insurance agent and voila, just like that you are signed up to have auto insurance. These days with the cost of living being what it is you cannot afford the luxury of going without auto insurance so take your, make a visit to one of these reliable auto insurance quote sites and get your quotes delivered to your email with half an hour.
Its that simple by going online.
I love writing about how you can get cheap[hpp://www.online-insurance-quotes.org/]online auto insurance quotes by visiting http://www.online-insurance-quotes.org and get 5 affordable auto insurance quotes in minutes delivered to your email without any sales pitches from the top auto insurance companies in America.
Article Source: [http://EzineArticles.com/
]
Don't you just hate going through your local yellow pages looking for a reliable auto insurance agent but there are so many choices that it makes things so confusing as to which agent or which company would give me the best auto insurance policy at the best prices. You have to meet with them first, allow them to explain their policy in detail and go over all of the fine print and then be pressured into making a decision on the spot.
If you just invite one or 2 agents over to your house how will you know if their deals are really the best prices for you since you have no one to compare them to and if you wanna call even more auto insurance agents then your looking at making separate appointments with each one and then waiting days to actually meet them. When you are through with the whole process not only could it take weeks but you will also have to put yourself through a series of pressured sales pitches that are designed to try to get you to sign with their particular agent as soon as possible. Now how can you save yourself all this trouble and find a good auto insurance policy from an agent who does not need to have a heavy sales pitch to get you to sign? Well the answer is very simple and has been in front of your eyes for years. Online auto insurance quotes.
There are many benefits to getting your auto insurance quotes online as opposed to doing it the land based way. For one, when your looking for a quote online you do not need to meet with any auto insurance agent initially to view your quotes prices. You just visit one of the many leading brand online sites , fill out a quick one page form and in less then half an hour you will have a series of up to 5 auto insurance quotes in your email . The benefit here is that the prices of the policies are stacked up right next to each other for you to compare so you can pick the best policy at the lowest price. No sales pitch is done at all because these online websites get so many leads to work with that they do not need to get desperate to get you to go with them. In other words they let their policy and prices do the talking. The main reason why online auto insurance quote prices are much lower than their land based counterparts is that when the insurance companies go online they save a ton of cash on expenses and they will definatly pass down the savings from their expenses to you.
You can then select the best policy for you and then make a quick and painless appointment with the insurance agent and voila, just like that you are signed up to have auto insurance. These days with the cost of living being what it is you cannot afford the luxury of going without auto insurance so take your, make a visit to one of these reliable auto insurance quote sites and get your quotes delivered to your email with half an hour.
Its that simple by going online.
I love writing about how you can get cheap[hpp://www.online-insurance-quotes.org/]online auto insurance quotes by visiting http://www.online-insurance-quotes.org and get 5 affordable auto insurance quotes in minutes delivered to your email without any sales pitches from the top auto insurance companies in America.
Article Source: [http://EzineArticles.com/
]
Car Insurance - A Brief and Oversimplified Explanation of How the Car Insurance Claim Process Works .
By Michael McCartin
No one wants to buy more car insurance than is necessary. Especially when it comes to automobile and general liability coverage, neither is inexpensive. I am often asked "How much coverage should I purchase?" or "What is enough coverage?" I can't specifically answer that question but I can make suggestions and ask some questions that might help you to make a final decision.
A brief and oversimplified explanation of how the car insurance claim process works might be helpful. A common occurrence is an auto accident. The following is an example of what commonly takes place. As a contractor you have purchased a commercial auto policy with a $500,000 limit of liability for both property damage and bodily injury. Your driver hits another vehicle, totals the other car and injures the driver. It is clear that your driver is responsible for the accident. The $500,000 policy limit is the maximum your insurance company has to pay for any and all damages and injuries. The incident is reported to the insurance company, an adjuster evaluates what has happened and based on potential liability sets a reserve; the ultimate amount of money they believe the insurance company will pay on your behalf.
Whether you are responsible for the damage or not, an insurer is obligated to defend you until a verdict is reached or the claimant has released you from future liability. At this point several scenarios can play out. First, you purchased enough coverage, the damages are within the policy limit, a settlement is reached and you and your company are released from any future liability. Second, the damages are beyond policy limits, the insurance company offers policy limits, you have no other assets for the claimant to pursue. The claimant evaluates the situation and determines it is in his best interest to accept the offer and release you.
Third, the damages are beyond policy limits and the claimant does not accept the offer of policy limits made by the insurance company. At this point a settlement must be reached through the judicial system. If a judgment is rendered and it is within policy limits, the insurance company would pay on your behalf and you would not face any future liability. If a judgment is rendered beyond policy limits, the insurance company would pay policy limits and you would be left to defend yourself and possibly pay any amount of monies that remain beyond what the insurance has paid.
Obviously it is imperative to avoid a judgment which awards more than your policy limits. So how much insurance is enough? In order to help answer that question you need to consider the following:
What type of legal entity you are protecting, individual ownership or some type of corporation, keeping in mind that the corporate veil continues to be eroded? What type of work are you doing? Is there a potential for damage to your client's property? What is the value of the properties you are working on? Are they $100,000 homes or $1,000,000 homes? What kinds of disruptions could your employees cause and what would it cost in lost business to your clients? Could you be held liable for that lost business? How many employees do you have? How many vehicles are on the road at any given time? More workers and cars on the road translate into a greater potential for accidents. What do your contracts require as to liability limits? As an individual what is you net worth? What is the corporation worth?. You need enough coverage to insure that a large judgment against you won't wipe out all of your hard earned assets.
Use these questions as a starting point. Then purchase what you can reasonably afford. Proper coverage can be as reasonable as several hundred dollars for twice your current coverage or even and additional million dollars of coverage through an umbrella. If you find yourself asking "How much would that additional coverage have cost me?" my response in most cases is going to be "You don't want to know".
Michael J. McCartin is the President of J.W. McCartin Insurance, a Maryland Car, Homeowners, Business and Life insurance company. Mike is very active in insurance industry trade associations, serving as a past president and board member of the Independent Insurance Agents of Maryland. He has also served on the Agent Advisory Council for Erie Insurance Group. As a result of his diverse industry expertise, he is often sought out as a spokesperson for radio, television, and news stories regarding matters of insurance.
Visit J.W. [http://www.mccartin.com]McCartin Insurance Website.
Article Source: [http://EzineArticles.com/?Car-Insurance---A-Brief-and-Oversimplified-Explanation-of-How-the-Car-Insurance-Claim-Process-Works&id=2225358] Car Insurance - A Brief and Oversimplified Explanation of How the Car Insurance Claim Process Works
No one wants to buy more car insurance than is necessary. Especially when it comes to automobile and general liability coverage, neither is inexpensive. I am often asked "How much coverage should I purchase?" or "What is enough coverage?" I can't specifically answer that question but I can make suggestions and ask some questions that might help you to make a final decision.
A brief and oversimplified explanation of how the car insurance claim process works might be helpful. A common occurrence is an auto accident. The following is an example of what commonly takes place. As a contractor you have purchased a commercial auto policy with a $500,000 limit of liability for both property damage and bodily injury. Your driver hits another vehicle, totals the other car and injures the driver. It is clear that your driver is responsible for the accident. The $500,000 policy limit is the maximum your insurance company has to pay for any and all damages and injuries. The incident is reported to the insurance company, an adjuster evaluates what has happened and based on potential liability sets a reserve; the ultimate amount of money they believe the insurance company will pay on your behalf.
Whether you are responsible for the damage or not, an insurer is obligated to defend you until a verdict is reached or the claimant has released you from future liability. At this point several scenarios can play out. First, you purchased enough coverage, the damages are within the policy limit, a settlement is reached and you and your company are released from any future liability. Second, the damages are beyond policy limits, the insurance company offers policy limits, you have no other assets for the claimant to pursue. The claimant evaluates the situation and determines it is in his best interest to accept the offer and release you.
Third, the damages are beyond policy limits and the claimant does not accept the offer of policy limits made by the insurance company. At this point a settlement must be reached through the judicial system. If a judgment is rendered and it is within policy limits, the insurance company would pay on your behalf and you would not face any future liability. If a judgment is rendered beyond policy limits, the insurance company would pay policy limits and you would be left to defend yourself and possibly pay any amount of monies that remain beyond what the insurance has paid.
Obviously it is imperative to avoid a judgment which awards more than your policy limits. So how much insurance is enough? In order to help answer that question you need to consider the following:
What type of legal entity you are protecting, individual ownership or some type of corporation, keeping in mind that the corporate veil continues to be eroded? What type of work are you doing? Is there a potential for damage to your client's property? What is the value of the properties you are working on? Are they $100,000 homes or $1,000,000 homes? What kinds of disruptions could your employees cause and what would it cost in lost business to your clients? Could you be held liable for that lost business? How many employees do you have? How many vehicles are on the road at any given time? More workers and cars on the road translate into a greater potential for accidents. What do your contracts require as to liability limits? As an individual what is you net worth? What is the corporation worth?. You need enough coverage to insure that a large judgment against you won't wipe out all of your hard earned assets.
Use these questions as a starting point. Then purchase what you can reasonably afford. Proper coverage can be as reasonable as several hundred dollars for twice your current coverage or even and additional million dollars of coverage through an umbrella. If you find yourself asking "How much would that additional coverage have cost me?" my response in most cases is going to be "You don't want to know".
Michael J. McCartin is the President of J.W. McCartin Insurance, a Maryland Car, Homeowners, Business and Life insurance company. Mike is very active in insurance industry trade associations, serving as a past president and board member of the Independent Insurance Agents of Maryland. He has also served on the Agent Advisory Council for Erie Insurance Group. As a result of his diverse industry expertise, he is often sought out as a spokesperson for radio, television, and news stories regarding matters of insurance.
Visit J.W. [http://www.mccartin.com]McCartin Insurance Website.
Article Source: [http://EzineArticles.com/?Car-Insurance---A-Brief-and-Oversimplified-Explanation-of-How-the-Car-Insurance-Claim-Process-Works&id=2225358] Car Insurance - A Brief and Oversimplified Explanation of How the Car Insurance Claim Process Works
Thursday, July 8, 2010
How to Keep Your Auto Insurance Premiums Down During a Recession .
By Bob Randooke
The recession has hurt many businesses across America and across the globe and because of this businesses are struggling to stay above water and inflation has started to rise to the point where prices of everyday food items are starting to get out of hand. You would think that they're in this financial crisis that auto insurance providers would start to lower the prices of their policies but surprisingly it has been just the opposite. The reasons why auto insurance premiums are going up during the recession is because as more people start losing their homes or their homes go into foreclosure their credit scores start to get wrecked and go lower and sends a person's credit score is one of the factors that affects their auto insurance premium to lower the credit score is a higher your auto insurance premium will be. Sure there can be some ] Auto Insurance - How to Keep Your Auto Insurance Premiums Down During a Recession to help keep your auto insurance prices from going up higher like driving safely and not getting into car accidents but the most important thing right now that you can do is try to keep your credit score at a reasonable level.
The fact that all of these things are making car insurance prices higher is leading to more people driving without it and according to a study made by the research Council on insurance this month they are claiming that 7% of people driving in America will be driving without vehicle insurance by sometime next year and this is a direct result of the recession. So if you didn't take your driving record and credit score seriously before then you better start now before your policy becomes so expensive that you will have to dump it and drive without car insurance. Companies didn't always tie in credit scores to a person's policy ,as it started to take the practice up in the mid-1990s. The problem now is that all insurance companies have experts that recalibrate the price of their premiums to the credit score of the average driver and since this produces an inverse relationship it means that as your credit rating goes down the price of auto insurance goes up.
The recession won't be here forever so just try to keep your credit score high and driving tickets down and you should be okay until we have weathered this financial storm.
Visit us at http://www.online-insurance-quotes.org to get the lowest auto insurance prices online.
Just stop on by and get 5 free [http://www.online-insurance-quotes.org/]Auto Insurance Quotes in minutes so you can compare and pick the lowest price and the best policy for you. We are a free service.
Article Source: [http://EzineArticles.com/?Auto-Insurance---How-to-Keep-Your-Auto-Insurance-Premiums-Down-During-a-Recession&id=1963805] Auto Insurance - How to Keep Your Auto Insurance Premiums Down During a Recession.
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