Get help, advice and information on all your Automotive issues. http://advice-and.info/Automotive/insurance.htm Mon, 04 Aug 2008 15:35:15 GMT en All the US citizens who own a car are required to have insurance cover for their car. It is important to know about car insurance terms. It is because you need to know about the car insurance terms of the policy before purchasing it. There are a number of car insurance terms and terminologies used in US, out of which some of the most important ones are described below. Vehicle Identification Number (VIN) is a 17 letters combination which gives the cars model, make and the year. Full coverage is a commonly used car insurance term which describes the auto insurance coverage limit that one has. Also it means that there is extended coverage more than liability coverage in the policy. Driver Status refers to the status of a person under some category types which will be under the policies. The categories are given below. Rated refers to the active vehicle driving person. A person is referred to as Excluded in case he is not allowed to drive a car and in case of an accident will not be added t o the policy. Listed are those who according to the policy are non-driving member(s) of the house. Comprehensive coverage covers damages done to an insured vehicle due to reasons other than collisions, such as damages due to the action of natural elements like flood, windstorm, fire, theft, vandalism etc. As the name implies, collision coverage covers the damages to your cars when it eventually overturns or collides with other substance. With certain conditions being applied according to the policy, this coverage applies to rented cars also. Policy term and policy expiration date refers respectively to the period during which the policy is in force and the date when the current policy expires. The policy expiration date is documented on the current policy documents. http://advice-and.info/Automotive/88938_Car_Insurance_Terms.html Mon, 23 Jun 2008 17:54:17 GMT There are laws governing everything, everywhere. And this would include your Auto insurance policy. From state to state the auto insurance laws vary. What exactly is the purpose of the law? The drivers communitys safety will be ensured. Before car owners can legally drive their vehicles, they are required to buy a minimum amount of bodily injury and property damage liability insurance found within the bounds of the financial responsibility laws of all states. This is to insure that people involved in an automobile accident can furnish proof of financial responsibility up to certain minimum dollar amount. To be in accordance with such laws, most drivers obtain auto liability insurance. Since accidents may end up costing a great deal more than the minimum coverage levels mandated by most states, consumer groups and the insurance industry typically recommend carrying a minimum of 100,000 in bodily injury protection per person along with 300,000 coverage per accident. If the policyholder is found legal ly responsible for causing the accident, the minimum coverage mentioned earlier, including Bodily Injury Liability and Property Damage, provides benefits to pay claims against him or her. However it's wise to go beyond the minimum when it comes to auto insurance as you need to have enough liability insurance to protect yourself in case you're ever involved in a serious accident - you could be sued for a larger sum of money than you could afford which would cause a serious financial burden. While uninsured motorist and underinsured motorist liability coverage is optional, the laws governing them along with those regulating Bodily Injury and Property Damage liability typically apply equally to both cars and motorcycles. The insurance applies to both cars and motorcycles when special rules for motorcyclists are not specified. Additionally, most states (unless noted) require insurance companies to offer the coverage. Furthermore, a policyholder's rejection must be put into writing for documentation purpos http://advice-and.info/Automotive/88119_Auto_Insurance_Law_-_An_Overview_Of_Auto_Insurance_Legal_Side.html Thu, 12 Jun 2008 07:48:28 GMT Being a vehicle owner in Arizona, You might find the local crime reports regarding car thefts a useful bit of information. This information will assist you in deciding if you really need to buy car insurance. The FBI Uniform Crime Report (UCR) as well as the Arizona DPS Crime in Arizona Report states that Arizona is the number two state for vehicle theft per capita. The number of vehicles stolen in Arizona only decreased a small fraction of a percent between 2005 and 2006, when just fewer than 55,000 cars were stolen. The number of stolen vehicles for every 100,000 inhabitants in Arizona in 2006 was 889.5, which is only a 3.8 decrease from the 2005 theft rate of 924.4. FBIs Uniform Crime Report (UCR) for the year 2006 released in 2007 shows that an estimated 1.2 million thefts of motor vehicle occurred in the US during the year 2006, valued at an estimated amount of US7.9 billion. The 2006 FBI UCR Report states that in Arizona alone, 54,849 vehicles were stolen. In case you live in Arizona and are still not convinced you need auto insurance, Ill share with you even more statistics. In the year 2006, only 68.6 of vehicles stolen in Arizona were recovered. Of the stolen vehicles which were not recovered, most were shipped to foreign countries or driven across the US state borders and dismantled into parts in automobile shops, re-tagged and resold to non-suspecting consumers. There is also the chance that these cars are either hidden or destroyed by their owner in order to collect an insurance settlement. These days, you don't just have to worry about your car being stolen and butchered for parts, but it's common that stolen vehicles are used in other criminal activities, such as burglaries, robberies, check and credit card fraud, identity theft, illegal drug trafficking, and drive by shootings. Auto insurance is an absolute necessity to ensure your family's financial protection for unexpected events. Obtaining auto insurance protects you from possible financial loss. Depending on coverage, your http://advice-and.info/Automotive/88025_Rizona_Uto_Nsurance__Ow_To_Get_An_Insurance_For_Your_Auto_In_Rizona.html Wed, 11 Jun 2008 01:16:41 GMT As you are driving along full of confidence you tell yourself that you are a good driver and have for many years successfully traversed your neighborhood streets without any problems. You know that on many occasions you have escaped some close encounters, so you must be an expert driver. Knowing that you are an expert driver you want to think that you can now get by without insurance. Just think of the money you could save if you put that car insurance money towards a worthwhile cause. You could go on holidays to a more exotic location for example. You know that most of the other people on the road are insured and if they hit you then their insurance will cover you. http://advice-and.info/Automotive/83948_Is_Car_Insurance_Really_Needed.html Thu, 03 Apr 2008 04:09:29 GMT Your son has obtained his permit and with that new found brains of freedom. Now you inquire how to get contemptible auto insurance for son ? The car insurances can differ dramatically in cost so read on to study how to purchase car insurance, which is affordable for your youngster drivers. Because adolescence lack driving knowledge insurers think them high risk to cover and thus premiums given are much higher than the adults insurance charge will be. There are some things you can carry out to help reduce rates you disburse for your kid drivers. http://advice-and.info/Automotive/83879_Get_Cheap_Auto_Insurance.html Thu, 03 Apr 2008 04:02:10 GMT Ever wanted eight easy tips for quickly reducing your car insurance premium? Some people get all the luck. 1. Shop around http://advice-and.info/Automotive/80482_The_Eight_Steps_To_Cheaper_Car_Insurance.html Thu, 06 Mar 2008 09:31:21 GMT The latest estimates put the number of uninsured cars on the UKs road at more than two million. This suggests that insuring your car is viewed more as an optional extra than a necessity by many motorists kind of like the heated mirrors of motoring charges. But this is not the case. Car insurance is a legal requirement, and one the police are taking increasingly seriously. Last year they seized and impounded a record 150,000 cars - giving owners 14 days to pay a 200 fine or see their car crushed. What is more it is not just Ford Cortinas and Fiat Pandas that have been getting this treatment. A pound in west London reported Porsches, Lamborghinis and even a Hummer being brought in for having no insurance. So presumably elements of society ranging from city bankers to gangster rappers are trying to avoid covering their vehicle. This is looking more and more like a bad percentage play, and for all Clarksons telling you that drivers should be above the law, they are not just yet. http://advice-and.info/Automotive/79506_Car_Insurance_Guide_Part_1.html Mon, 25 Feb 2008 23:24:49 GMT Last year police in the UK seized more than 150,000 uninsured cars. They gave owners 14 days to pay a 200 fine and the costs of having the car impounded, or look on as their pride and joy was sent off to the crusher. Happily that does not have to be the case for you. Read the second part of our handy guide to car insurance, and make sure you are not one of the 2 million car owners currently estimated to be driving without insurance. Insurance benefits http://advice-and.info/Automotive/79504_Car_Insurance_Guide_Part_2.html Wed, 27 Feb 2008 12:09:47 GMT In order for you to get the best coverage for your vehicle, its best to shop around before you make a decision. Just like you shop for a vehicle, you should do the same for auto insurance. This is important because you need to know what kind of budget youre looking To start off, you will have to know what coverage youll need to get for your vehicle. In the United States, it is mandatory that you have liability insurance, if nothing else. Liability insurance is used when the coverage is required to pay for damage from an auto accident. No one can escape getting this insurance coverage. Otherwise, youd be facing a lawsuit, for sure. http://advice-and.info/Automotive/79330_Important_Things_To_Know_About_Insurance_For_Your_Automobile.html Fri, 29 Feb 2008 02:30:53 GMT There is definitely a need to have a new car insurance if you have just acquired a new vehicle. A car insurance is somehow more of a protection if ever the vehicle would be involved in several troubles in the future. At the same time, you also should strive to find and secure a cheap car insurance policy. As you all know, paying premiums for new auto insurance policies is the usual source of problems regarding the car insurance industry nowadays. Many policy holders are finding it hard to cover for the costs of the new auto insurance they subscribe to. http://advice-and.info/Automotive/79263_How_To_Secure_Cheap_Car_Insurance.html Sun, 24 Feb 2008 03:19:22 GMT Most households have more than one vehicle because there are either two adults working or two adults working with a teenager who drives. Either way, when you own more than one vehicle, it is nice to know that you can get a discount for insuring those vehicles with your insurance provider. These discounts are called multi-vehicle loyalty discounts and can save the average household quite a bit of money compared to not having such a program at all. Most insurance providers in Canada carry multi-vehicle loyalty discounts, which is why it is important to make sure that you have all of your cars on the same policy. The usual discount is around 10 off of each car that is on the policy. If you dont have your cars on the same policy, then you are missing out on that discount that can keep you from paying out unnecessary amounts to the car insurance provider. http://advice-and.info/Automotive/77703_Multi-vehicle_Loyalty_Discounts_Offered_Through_Canadian_Insurance_Providers.html Sat, 16 Feb 2008 15:15:56 GMT After you buy your car, but before you run out and sign up for car insurance, it is a good idea to learn how car insurance works. Knowing how the insurance works is the best way to make sure that you get the car insurance that is right for you. After all, you dont want to pay too much for a bunch of things you might not need, right? There are a variety of different coverages that are involved in insuring your car: liability, collision, comprehensive, medical coverage, personal injury protection, uninsured motorist, under insured motorist and rental reimbursement. http://advice-and.info/Automotive/77003_Things_You_Must_Consider_Before_Purchasing_Car_Insurance.html Tue, 05 Feb 2008 16:57:32 GMT The money you spend in buying your recreational vehicle is an investment for a lifetime. Buying a good RV needs proper research that includes a good estimation of your wants and a great deal of market survey that helps you in zeroing down to a dealer that offers you exactly what you had been looking for. All this hard work and the money spent can be at stake with a sudden accident, act of vandalism, theft or any incidence that ends up damaging your RV. Thats why RV insurance is vital. Insuring an RV not only covers you from potential damage risks but also lets you camp without worries. However, most RVers do not have a clear idea in regard to the various factors determining the price of a RV insurance cover. So before you go ahead with RV insurance, it is wiser to consider the various factors that affect the insurance rates. http://advice-and.info/Automotive/76260_Rv_Insurance_Zoom_Out_Without_Worries.html Fri, 01 Feb 2008 23:07:47 GMT There are many items you can choose with car insurance such as liability only, comp and collision, roadside service, and much more. You can even choose the deductible or amount of the coverage you need for specific aspects of car insurance. When you look at a new car there are a few things to consider regarding insurance. First you need to make sure you have enough coverage on the policy to cover total destruction of the vehicle in order to have the insurance claim come through for you. However I have gotten ahead. Taking a step back lets look at a few options in buying a new car. When you purchase a new car you may have paid for it out right, leased it, or obtained a car loan. If you have leased the car or obtained a car loan you are required by the banks to have a certain amount of insurance and type of insurance. For the purposes of this article we are going to concentrate on what a bank will require of you when you have a loan or lease. http://advice-and.info/Automotive/75717_Car_Insurance_For_A_New_Car.html Sat, 26 Jan 2008 15:20:44 GMT Car insurance is a necessity in being able to drive a car legally. Many states have passed a law that you cannot get licenses or car license renewals without showing proper car insurance. This means that whether you like it are not your monthly expenses will have to include car insurance. Luckily there are over twenty different companies that offer car insurance and most usually you can find great coverage at a decent monthly rate. It will depend on a lot of things such as age, gender, marital status, and your credit scores. When you are deciding between the choices in coverage you can have there are many things to consider. First I will tell a little tale as an example. A woman had a 1984 jeep renegade that had an oil leak. She didnt know much about mechanics and felt the vehicle was safe enough to drive for a week until her father could help find her a mechanic in the college town she was living in. What she didnt know is that oil leaking on to a carburetor could catch fire in less than ten minutes. While the jeep had been taken to a mechanic three times prior the mechanic had not fixed the problem, didnt warn her of the danger, and wasted time until the car had to be shipped to her new address. After a week of having the vehicle it caught fire because of the oil leak. She was only covered for liability since that was all she could afford while going to college. The car insurance didnt cover fire. http://advice-and.info/Automotive/75716_Choices_In_Coverage_For_Car_Insurance.html Sat, 26 Jan 2008 15:23:49 GMT Buying car insurance can be very expensive. Most people are aware that factors such as your age, where you live, your driving record and your credit history influence how much you pay for car insurance every month. But there is one more factor that greatly influences how much you pay for your auto insurance premium every month that most people overlook. What is it? The type of car you drive. A beat-up, old Toyota Camry with 200,000 miles on it is not a brand new red Corvette. Car insurers know that, and they charge accordingly. In general, sports cars are the most expensive cars to insure. Why is that? Well, theyre fast! Sports cars are more likely to get into accidents as owners use their high-performance engines to drive at high speeds. Another reason why sports cars are expensive to insure is because they are stolen more often than other cars. And the more mileage you put on your sports car every year, the more likely you are to get into an accident or have the car stolen, which equals the higher amount you end up paying in car insurance. http://advice-and.info/Automotive/75495_How_To_Know_Which_Cars_Get_The_Lowest_Insurance_Rates.html Thu, 24 Jan 2008 13:59:29 GMT Learning about insurance coverage can be confusing, even with the most comprehensive information and the most detailed accounts of policies. Regardless of how much information is out there, the bigger concern is how much misinformation exists regarding car insurance. As the result of this misinformation, there is a detailed mythology involving car insurance that may cause some potential consumers reservation when it comes to applying for appropriate coverage. Colour Matters http://advice-and.info/Automotive/72752_Car_Insurance_Myths.html Tue, 01 Jan 2008 23:44:07 GMT Believe it or not whether you pay your bills on time can make a hefty difference in your car insurance premiums. The adage of an experienced home contractor was that If the yard is neat you will have no trouble being paid. If the yard is messy then you will have trouble being paid for the home repair job. http://advice-and.info/Automotive/71361_Bad_Credit_Rating_High_Auto_Insurance_There_Is_No_Appeal.html Mon, 10 Dec 2007 21:27:05 GMT Youve now got your drivers license and for months, you eagerly search for a new car. Once you find your dream car, youre ready to take it out on the open road. Or are you? In many countries, it is compulsory to purchase auto insurance before driving on public roads and property. Auto insurance protects a third party against the financial consequences of loss, damage, or injury caused by any vehicle. When first purchasing auto insurance, it is important to understand all aspects of the insurance. First off, an excess has to be paid. This is a fixed amount of money that must be paid each time your car is repaired through the insurance policy. A compulsory excess is the minimum excess payment that your insurer will accept. This varies according to your own personal details, driving record, and of course, insurance company. A voluntary excess is an excess that you agree to pay on top of the compulsory excess in case of a claim on the policy. A bigger excess reduces financial risk for the insurer, and thus they can offer lower premiums. http://advice-and.info/Automotive/70947_The_Truth_About_Car_Insurance.html Fri, 07 Dec 2007 12:23:44 GMT Thousands of individuals obtain cars from car rental agencies each year, but when it comes to protecting themselves financially while in possession of the car, many individuals have questions about the best way to protect themselves. One of the biggest questions that may be on their mind is whether the rental car insurance supplied by their golden or platinum credit cards is adequate protection against damage or theft of the rental car. Many individuals decline the rental car insurance offered by the rental car company because they believe that the insurance offered by their credit card is enough to handle any issue that may arise. So are they correct? The short answer is that it depends on the specifics of the insurance offered by the credit card company. There are many credit card companies that claim that if you rent a car using their credit card, they will provide insurance coverage for you for as long as you have the car. For many individuals, this seems like adequate protection for any instances where they need to rent a car. The problem occurs when the individuals fail to read the fine print of their credit card disclosures. Although many credit card companies offer rental car insurance, the actual items covered may vary from company to company. http://advice-and.info/Automotive/69072_Can_I_Rely_On_The_Rental_Car_Insurance_Supplied_By_Goldenplatinum_Cards.html Mon, 03 Dec 2007 16:27:33 GMT If you have an auto insurance company and you miss a payment you might think it is okay. Companies usually have a grace period, but this depends on the specific company and the guidelines they follow. You receive a cancellation and termination clause with your insurance policy. The auto insurance company has the right to cancel your car insurance at any time for many reasons including failure to comply with payment schedules. Some states have a no fault car insurance clause. An auto insurance company in these states has to abide by the laws of the state and provide this service when determining your percentage of fault in the event of an accident. The accident might go like this, you would be ten percent at fault for being there and the other driver would be ninety percent at fault for causing the accident. The car insurance company pays for your damages no matter who is at fault. http://advice-and.info/Automotive/68621_Things_To_Know_About_The_Auto_Insurance_Company.html Tue, 20 Nov 2007 03:58:18 GMT When you need to get car insurance, the last thing that you want to do is spend a lot of time and effort to find a great insurance provider. If you are looking for every possible way to save money, here are some tips to help you in your penny pinching quest. 1. Take time to look around Dont go with the first automobile insurance company you find. The rates for insurance can be very competitive, and when you take the time to shop around you will be rewarded with a lower rate. http://advice-and.info/Automotive/68293_Saving_Money_On_Car_Insurance_Has_Never_Been_So_Easy.html Mon, 19 Nov 2007 07:27:38 GMT Besides their needs, certain people reinstate antiques car as a leisure Pursuit. These antiques car also require insurance cover on them. Your work is to find out the insurance company which provides Car Insurance for an Antique Car. There are a number of reasons such owners can provide to support their neglect for acquiring proper car insurance for an antique car, but to be so neglectful is borderline irresponsible. If one is going to invest a great deal of money in purchasing an Antique car, then a proper Car Insurance for an Antique Car policy will properly compliment the investment of the antique car. Insurance Companies Providing Car Insurance for an Antique Car: http://advice-and.info/Automotive/68163_Car_Insurance_For_An_Antique_Car_Route_To_Get_Antique_Car_Insurance.html Wed, 14 Nov 2007 01:31:27 GMT Choosing the right auto insurance company is very important since they will be the one to help you settle any auto related mishaps in the future. Auto insurance companies follow a basic set of benefits which they provide their policyholders. They only differ in the premiums. There are auto insurance companies that offer exorbitant insurance premiums and there are also those that offer affordable premiums. But just how can you know that the auto insurance company you have chosen is a reliable company? A reliable auto insurance company is one that has a good reputation of paying or settling claims in the fastest time possible and pays the correct amount of claims. To check on your chosen auto insurance company you may visit your states department of insurance web site. You may not be aware of this but every state has its own department of insurance. Nowadays, most of these departments have their own web sites which display consumer complaint ratios of all insurance companies that sell in their state. These ratios will tell you just how many complaints each of the listed car insurance received per one thousand claims filed. http://advice-and.info/Automotive/67770_Choosing_The_Best_Auto_Insurance_Company.html Mon, 12 Nov 2007 15:37:25 GMT Youre looking for classic car insurance quotes online? The truth is, its generally much more difficult to get classic car insurance than regular insurance, because of several different difficulties. First of all, classic cars are much harder to value than a regular car. The money you get for a classic car in the event of an accident or a theft is generally the value you agree upon with the insurance company. Also, a classic car is much more likely to be targeted by car thieves, which puts a much higher risk level on the classic car insurance company. http://advice-and.info/Automotive/60021_Classic_Car_Insurance_Quotes_Online-find_The_Right_Firm_For_Your_Classic_Car.html Sat, 08 Sep 2007 06:57:10 GMT If you are considered a bad driver or a high-risk driver, finding a car insurance rate you can afford comfortably is a challenge. Most insurance companies do not like to insure high-risk drivers for fear of paying out high payouts if you have an accident. If you find a car insurance company to insure you, you will pay a high price. Many factors contribute to a car insurance company considering a driver a high-risk. Whether the insurance company goes back three years or one year, you need to remember drinking and driving violations stay on your record longer than a speeding ticket will. Accidents, speeding, running red lights, operating over the centerline and driving the wrong way on a road will contribute to your high car insurance rate. http://advice-and.info/Automotive/59510_Car_Insurance_Rate_When_You_Have_A_Bad_Driving_Record.html Wed, 29 Aug 2007 10:09:08 GMT You are required to get insurance for car when you rent it. Dont buy auto insurance immediately even if you dont have coverage from your insurance company. You wont have to pay any extra money if you have your business credit card with you. Almost all business credit card issuers give free car insurance cover for rented cars that are paid for with their business credit cards. Rental cars insurance is generally overlooked by people holding business credit card while renting a car. If there is an accident or theft the business credit card issuer gives either replacement of car or gets it repaired. The insurance cover of business credit card even pays the towing charges if the need is there. http://advice-and.info/Automotive/58302_Get_Insurance_Cover_For_Rented_Cars_From_Your_Business_Credit_Card_And_Relax.html Mon, 20 Aug 2007 16:16:36 GMT When traveling, especially when going abroad, it is often fundamental to have an insurance policy for your trip. When going to foreign countries that you often know little or nothing about, it is very important to do all you can to insure your trip goes as planned, with as few setbacks as possible. Unfortunately, unplanned events that are completely out of our control often come up, this is one reason why insurance policies are a necessary part of traveling. Whenever preparing for a trip, be sure to consult your travel agent about insurance plans and fees. Your regular insurance plans for medical problems will not do you much good in a foreign country, and if you are far from home and an emergency comes up, it is good to have an insurance policy. An insurance policy that covers your travels will often cover all kinds of emergencies, whether they involve the need for medical care while you are abroad, or an emergency back home requires immediate attention and you are forced to cancel your plans and return immediately your insurance policy will cover the cancellation fees and take care of providing the quickest means for you to get home. These are just a couple examples of the many unexpected events that may occur while you are traveling, making insurance a very useful thing to have while on a trip. http://advice-and.info/Automotive/56667_What_Is_The_Difference_Between_One_Way_Insurance_And_Full_Coverage_Insurance.html Tue, 31 Jul 2007 02:53:35 GMT When it comes to understanding insurance policies the majority of us are left floundering, car insurance is no exception, yet it is one thing that we absolutely need if we want to drive on the roads. There are many different types of policies available when it comes to insuring your car and this will be the first choice you have to make when it comes to taking out a policy. All policies can be broken down into six different parts, while some of these you will have no choice over as they are mandatory, some you will have to decide if you want to include in your cover. To give a better insight into what is involved and what your choices are, here is an explanation in simple terms of what these include. http://advice-and.info/Automotive/56381_Understanding_Your_Car_Insurance_Policy.html Sat, 28 Jul 2007 08:57:15 GMT Car insurance is one of the dearest parts of owning and running a car, however by taking a little time to research the market place and by taking advantage of the resources that can be found online you could save money when it comes to renewing your car insurance. When taking out your motor insurance policy check out what excess the company is asking or with your policy. By offering to pay more excess you can reduce the cost of your premiums which could end up saving you money. The excess is what you pay towards the cost of the claim when you make a claim, for example you stand to the first 50 or 100. http://advice-and.info/Automotive/56372_Cut_Your_Car_Insurance_Premiums.html Sat, 28 Jul 2007 06:14:29 GMT The cheapest car insurance for single people might not be very cheap. If you are single, you will pay a higher premium than a married couple or a mature driver. The car insurance industry has an age limit for drivers as well. If you are a single male aged twenty-three years old, you will have a higher car insurance rate than a single male aged twenty-nine as long as you both have the same driving record and credit history. High-risk single drivers find car insurance rates even higher. The cheapest car insurance rate for a single male under twenty-five who has a less than perfect driving record will result in a big difference in price when receiving a quote for car insurance. Car insurance companies find young single women less of a risk and can offer the cheapest car insurance when the driver has a good driving record. Many other things need to be considered when looking for insurance when you are single. http://advice-and.info/Automotive/55274_Cheapest_Car_Insurance_For_Single_People.html Sat, 14 Jul 2007 05:20:26 GMT Car insurance is one of the dearest parts of owning and running aCar insurance is one of the dearest parts of owning and running a car, however by taking a little time to research the market place and by taking advantage of the resources that can be found online you could save money when it comes to renewing your car insurance. When taking out your motor insurance policy check out what excess the company is asking or with your policy. By offering to pay more excess you can reduce the cost of your premiums which could end up saving you money. The excess is what you pay towards the cost of the claim when you make a claim, for example you stand to the first 50 or 100. http://advice-and.info/Automotive/54343_Cut_Your_Car_Insurance_Premiums.html Wed, 04 Jul 2007 17:44:11 GMT Everyone who wants to drive on the road has to insure themselves, its the law and theres nothing you can do about it unless you drive illegally. However there are ways by which you can save money and get the best deal possible when it comes to buying car insurance. The first step to take when it comes to getting cheaper car insurance is to make sure you look around for the best deal and the best way to do this is by doing so online. By checking out car insurance online you have the advantage of being able to get almost instant quotes from a wide variety of insurance companies. http://advice-and.info/Automotive/54216_Many_Ways_To_Lower_Your_Car_Insurance.html Wed, 04 Jul 2007 13:42:56 GMT If you are married and you need automobile insurance, you can expect to see some discounts depending on your driving and credit record. The thinking behind this theory is, most married couples are suppose to be more responsible and settled down. The potential to drive carelessly has been eliminated. If the driving records of one or both drivers is bad, your car insurance rate will be higher than someone that has a clean driving record and is single. Whether one or both have a bad driving record, you still have a high-risk attached to your automobile insurance policy. http://advice-and.info/Automotive/51538_Married_Couple_Automobile_Insurance.html Sun, 03 Jun 2007 16:31:27 GMT A voluminous market needs new customer oriented approach as archaic notion has no place in the new scenario. There is this impression about the car insurance companies and for that matter about any kind of insurance company. They take your money under the guise of law with an assurance that stand by you in times of need. But reality, as we have grown up with, they run away from you as soon as they feel you need them. They hanker after you when it comes to making you their customer and remain your friends as long as you pay premium and do not ask for their performance. http://advice-and.info/Automotive/48599_Used_Car_Insurance.html Fri, 04 May 2007 21:00:07 GMT