Don't Double Up on Your Auto Insurance

Have you ever noticed that it seems like today's auto insurance companies seem to offer everything but auto insurance? Life insurance, medical insurance, rental insurance, emergency roadside assistance...you name it, they've got it. And when it all looks shiny and new it's very, very tempting to sign on the dotted line just because you can.
Bragging rights aside, though, you don't really need eighteen times the insurance coverage that your neighbor has. Signing up for every additional gadget, gizmo and bonus your auto insurance provider has to offer might sound like a good idea at the time, but you're almost inevitably going to end up paying way too much each month for insurance coverage you don't really need. 1) Medical Coverage With the ridiculous cost of care among the medical community today there's no doubt that medical insurance is a must. The average emergency room visit after an automobile accident can cost upward of $3,000 by the time you're done tallying the bills from radiology, phlebotomy and the lab, the pharmacy and the doctor in charge of your care. The last thing you want to have to do after an accident is worry about how you're going to pay for your treatment. If you already have insurance, however, additional medical coverage is extraneous and unnecessary. Your regular insurance will pay for the same level of care, and since you're already paying for it each month you can put that money back into your monthly budget. 2) Emergency Roadside Assistance Okay, being stuck on the side of the road in the middle of a winter blizzard is no fun, and knowing that you have someone on hand ready and willing to help you at a moment's notice is very reassuring. There are numerous other roadside assistance programs out there that offer you the same benefits as an insurance provider, however, and most of them come with cool discounts of their own. 3) Car Rental Insurance If you're going to add any extras onto your auto insurance policy, consider making car rental insurance one of them. There's nothing quite as unpleasant as breaking down three states away from home, where you can't call anyone close to you to come rescue you, and not having a way to get home because you can't afford the sometimes exorbitant rates charged by most rental agencies. The bottom line is that while some of the benefits that come hand in hand with your auto insurance policy are nice to have, nothing's more important than making sure you get the best auto insurance coverage possible for the lowest premium available. By not doubling up on your insurance coverage you can put hundreds of dollars back in your budget every year and put your money to more creative uses than paying for your auto insurance-like traveling someplace where you can put that car rental coverage to good use!
Heather Greenberg is Director of Affiliate Relations for QuoteScout.com. Since its launch in 1996 the company has specialized in matching consumers requests for insurance quotes with multiple insurance quotes from both local agents and national insurance carriers. For more information, please visit them on the web at QuoteScout.com.
Article Source: http://EzineArticles.com/?expert=Heather_Greenberg

Get Auto Insurance - How to Do Proper Auto Insurance Comparisons to Get the Lowest Price

You just came back from your local car dealership and you just landed a great deal on a car of your dreams. You have taken your first step into vehicle bliss. You are just one step away from being able to drive your car with a clear conscience. Now you just have to get auto insurance and you are seeing many of your friends get a great deal on their car insurance policy by going online and you plan on doing it the same way. The only question you have right now is how to make proper auto insurance comparisons so that you don't get ripped off and walk away knowing you got the best policy possible at the lowest price.
When inquiring about a new auto insurance policy is best compared deductibles against the quality of your coverage. In other words can you lower your deductible and still get a cheap monthly quote or will the insurance company that you are interested in still give you a good rate. These days are insurance companies are also hurting for business because of the economic recession we are in and therefore their agents are more open to bargaining than ever before so don't accept the first quote that you get from. Also remember that not all of the big car insurance companies out there are alike. I had a friend of mine who had his car stolen about six months before my car was stolen and when he went to his car insurance company to collect on the value of his car he was only give 50% of its value and it was because they had many things in the small print part of his contract. When I went to collect on my stolen car which was a Honda prelude my insurance company, which was Geico, gave me 100% of the premium blue book value of my car and I went home a very happy camper.
I got my first car auto insurance policy at a local brokers office through the yellow pages, but if there car insurance companies were online during my younger years I probably would have gotten an even better deal on my coverage. These days everyone is going online to get insured on their vehicle and for good reason. Car insurance companies now go through middle men companies, because they want to save on expenses like hiring pushy salesmen and office spaces needed to keep these sales people in. When doing your car insurance comparisons online make sure you pick a middleman company that will give you at least 5 competitive rates from the top tier auto insurance companies in America. This way you will be able to stack them up side by side to pick out the best policy for you at the most competitive prices.
Want the best price on earth for Auto Insurance Quotes? Visit us at http://www.online-insurance-quotes.org and we will email you 5 free car insurance quotes in minutes from the top auto insurance companies in America at discounted prices.
Article Source: http://EzineArticles.com/?expert=Bob_Randooke

Day Cover - Suitable For Short Term Travelling

There are times when a person may need to use a car for short term purpose. Securing a car with a short term insurance can prove to be quite helpful. This can protect you against any kind of damages or losses suffered while travelling. There are numerous short term insurance providers who can help you get suitable insurance cover.
This type of insurance is suitable for those who need to drive a car for a day or two. In case, a situation arises wherein you need to use a friend's or relative's car, this cover will keep you protected. Getting quick insurance is not difficult. Many people are of the opinion that getting an insurance policy is a costly affair. While, some people feel it may take a long time to get an insurance policy. This is not true. You need not pay a hefty amount to get day cover.
You can make use of:
• Temporary additional drivers (including overseas visitors)
• Temporary additional cars
• Immediate drive-away insurance if you have just bought a car
• Unaccompanied vehicle demonstrations or use of courtesy cars
• Lending a car to a friend, colleague or relative
Short term car insurance can help you get insurance in a short period of time. If your requirement is only for a day, you can make use of this kind of insurance. It is better to keep yourself protected even if you are undertaking a short journey. You may never know what kind of situation you may meet. If you happen to meet with injuries, the cover will provide you coverage against damages. A team of expert short term insurance providers can provide you with insurance cover. They can also guide you on most suitable cover.
The insurance being of short term in nature helps you doesn't cost much and also proves beneficial for short term usage. You can get compensated for various kinds of injuries. This kind of insurance is available for individuals who may not require a full year of coverage for a vehicle. A temporary cover is ideal for short distance travelling. You can get an insurance cover from a day onwards. This insurance is also suitable for those who work away from home for long period and don't use their car. Insuring for a short period also helps reduce the cost.
Sadhana D, Expert Author, Platinum author
For more information on Day Cover:
Day Cover
Information on Short Term Car Insurance:
Short Term Car Insurance
Article Source: http://EzineArticles.com/?expert=Sadhna_D

Daily Insurance - Insurance For a Day

If you need to borrow a car for a day or two, you can get daily insurance. This kind is beneficial for those who need to drive a car for a day or two only. Not many of them would have heard of day insurance. With short term car insurance, you can keep yourself protected against any kind of damages. If you have borrowed your friend's or relative's car for a day, you can make use of this insurance cover.
You can get insurance for a period from between 1-28 days. You can be free from any kind of worry if you meet an accident or suffer an injury while travelling. You can also get information looking online. Many people feel getting an insurance cover is difficult. However, this is not true. With appropriate guidance, you can surely get insurance cover for a short duration. This kind is ideal for short distance travelling.
You can opt for the insurance when:
• You need a temporary additional driver to allow friends or family to drive your car or van
• You need temporary car insurance for an additional car or van
• You need courtesy car insurance for when yours is in for a service or repair
• You need to test drive insurance for a car or van you are looking to purchase
• You need to drive away insurance cover for a newly purchased vehicle
1 day insurance is a trend fast catching up with people who need a car for a day or two. There are a wide number of choices available with insurance seekers these days. It is not difficult to get a comprehensive cover for a car. Unlike in the past, when this cover was available for a year, now insurance is also available for a day. If a situation arises wherein, you need to borrow a friend's car to drive, this kind can come in handy.
The idea of insuring for short term periods has made it easy to insure a vehicle. You also need not pay yearly premiums for insurance policy. This will help reduce the cost and also ensure that you are only covering your vehicle for the time which you are using it. There are a wide number of short term car insurance policies available these days. There may be numerous reasons for you to have a cover. You may need to insure your vehicle to allow for a driver not listed on your existing insurance policy. You can use this kind of insurance for any of the short term needs.
Sadhana D, Expert Author, Platinum author
For more information on Daily Insurance:
Daily Insurance
Information on 1 Day Insurance:
1 Day Insurance
Article Source: http://EzineArticles.com/?expert=Sadhna_D

Daily Car Insurance!

Day car insurance is an easy way to get insurance coverage for short distance travelling. If you need to drive a car for a day, you can make use of this kind of insurance cover. It comes in handy even when you borrow a friend or relative's car for short distance travel. In case, you meet with injuries while travelling, you can get duly covered for the loss. This kind of cover provides protection against any kind of injuries sustained while driving.
You can also get comprehensive cover, which provides for most eventualities including fire, theft or damage or injuries sustained due to collision. There are various types of insurance covers available. You can also get a low cost insurance cover. This will help you save a lot of money too. You can also get advice from short term insurance experts. They can guide you get suitable insurance cover. You need not suffer for the fault of someone. A short term insurance will protect you against any kind of damages.
It may also happen that you may your vehicle may be out of service and you may need a loan car. You may even purchase a cheap car and plan to sell it at some point of time. You can also take ownership of a new car from auction or the dealership. Whatever, be the need - you can benefit from this kind of insurance. This kind of insurance is available for immediate comprehensive coverage for motor cars or vans. Basically, a comprehensive short term insurance policy covers you for:
• Liability against damage of another person's property
• Liability against injury or possible death of another person as a result of an accident
• Loss or damage by fire theft or vandalism
• Accident recovery and repair
• Damage in the event of an accident
If you are a policyholder or an additional driver, you must:
• Be aged 21 - 75 years (and age 21 - 75 as an additional driver)
• Have no more than 6 penalty points on your licence in the last 3 years
• Have not been disqualified from driving in the last 5 years
• Have not had more than one fault claim in the last 3 years
If you need insurance for a short period, you can make use of this kind of insurance. At any point of time, if you feel the need to cover an additional driver for your car, this kind of insurance can come in handy. Short term insurance comes in handy in times of need. The cover is comprehensive in nature and can be taken out for a day or up to 28 days.
Sadhana D, Expert Author, Platinum author
For more information on Daily Insurance: Daily Car Insurance
Information on Short Term Insurance: Short Term Insurance
Article Source: http://EzineArticles.com/?expert=Sadhna_D

Insurance Woes Hurt the Pockets of Motorists

Everyone knows that driving a car means you have a fair few extra expenses like maintenance, fuel as well as insurance which can in many cases be a hefty cost for being able to drive. The thing with insurance is that it is mandatory in the UK and most other countries and driving without it will often cost you much more than its worth.
A recent report had an estimated 3% of 580,000 British Motorists driving without adequate car insurance coverage, typically this can be people who have been priced out of the market as they are deemed a large risk to the insurers and so have been saddled with large premiums. These drivers tend to be younger or less-experienced and for many of them a premium above the £1,000 mark is the best they can do.
The problem for them is that if they are caught then they stand to potentially lose their license or even their vehicle by driving uninsured. As well as this if an uninsured driver were to be involved with another driver then it would mean that rather than a simple exchange of insurance details it would drag the whole process out with court cases often being the result.
The worst part for the unlucky soul who is involved in an accident with an uninsured driver is that their no claims bonus will likely be affected and in these days of financial uncertainty drivers are clinging to their no claims bonus so that they can keep their expenses in check. Some insurance companies will offer no claims bonus protection schemes which again cost extra.
Luckily with advances in driver databases as well as an increased attention by the police a lot of these cases of drivers without car insurance are being picked up on before they are able to cause any woes for those properly insured. This is a comforting move for the insured drivers as it is estimated that uninsured drivers are nine times more likely to be at fault in the event of a crash.
Renewed interest has come for the uninsured driver issue as the financial climate is making it much more tempting for those with rising premiums to simply let their insurance coverage run out. But with Police in many counties issuing fines of £200 and six driving points for their license it is hoped that people will shake the belief that a fine works out cheaper than their £1,000 insurance premium. Two instances of being caught without insurance equal a driving ban or loss of license which would hurt most drivers more.
But with car insurance premiums on the rise what can drivers do to try and make the cost more appealing? Well the abundance of insurance comparison sites make it pretty easy for drivers to compare car insurance as opposed to phoning all the insurers up personally to get quotes which is what many of us have had to do in the past.
Those who are looking to pass their driving test soon should consider continuing their driving education with the Pass Plus scheme as this has been found to help lower premiums due to the wider range of driving situations which the driver has been educated on like motorway driving. There are still ways drivers can cut their insurance costs besides getting rid of their coverage all together which is clearly becoming a more costly method for motorists.
It can be trouble getting cheap car insurance these days, if you follow a few of these car insurance tips then you may be able to draw your insurance quotes down and be able to afford to drive your car safely and legally.
Article Source: http://EzineArticles.com/?expert=Andy_Adams

Auto Insurance - Taking Advantage of Technology

Are you beginning to feel that you are paying too much premium on your auto insurance policy? Do you realize that certain changes to your car will help you save on your premium. There are many devices available which enhance car safety. Did you know they can bring down your auto insurance costs as well?
Let me list the benefits of using technology to improve your car and bring down your rate. Installation of anti theft devices will drastically reduce the chances of your car being stolen. Needless to say, this reduction in risk will result in reduction in your auto insurance premium.
Auto insurance is used to pay for repair of damage caused to the car due to accidents. Devices which enhance safety of your car and help you prevent accidents will lead to a reduction in your premiums. Devices which warn drivers about risk of collision with the vehicle in front or at the rear will prevent accidents.
Fitting these devices and gadgets help avoid blame when accidents do occur. The installation of safety devices in your car will shift suspicion of negligence on the other party involved in the accident with your automobile. Safety devices will help you remain a low risk client even if you claim payout on your policy.
Auto insurance premium depends a lot on experience and past record of the person applying for it. Accidents are caused due to judgment errors of inexperienced drivers. Install safety devices to reduce this risk. The combination of safety devices and driving experience will help you secure high cover at very low premiums.
Use of safety devices helps you bargain from a position of strength with your auto insurance provider. A quick search on the web for multiple quotes will bring you deals offered by different insurers. You can negotiate for reduction in premium. Use your strong position to bring down premium to the maximum extent possible. Approach multiple insurers to secure the best deal.
Finally, installing safety gadgets will give you total peace of mind that your family is completely safe when travelling in your automobile. Purchasing and fitting safety devices in your car will be an expensive process. However, the long term benefits far outweigh the short terms costs.
To gain maximum benefits after installing these devices, you should prefer online auto insurance deals. Using free multiple quotes available online is the best way to identify the best auto insurance deal for your car. So what are you waiting for? The combination of online quotes and advanced technology is too good to resist.
Here are great pages for auto insurance quotes...
InsureMe Auto Insurance Quotes
Auto Insurance Quotes
Chimezirim Odimba writes on insurance.
Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba

Auto Insurance - The Risk of Doing Without

It is completely illegal to operate a motor vehicle without adequate auto insurance. What is considered to be sufficient coverage is determined accordingly by each state. In the long run, you will save more money by actually buying auto insurance than trying to skate through without it.
If you don't supply proof of legitimate auto insurance at the Secretary of State subsequently you can't buy license tags for your car. People need to have valid license tags to legally operate a vehicle. The consequences for driving without insurance are strict, including fines, tickets, and the chance of having your license suspended.
When the police find that you are driving without insurance, they can have your car towed away at your expense. States pay the price for uninsured motorists. Auto insurance offers a blanket of protection to everyone involved.
Drivers that operate without insurance are placing themselves in very compromising situations in the event of an accident. Drivers with no insurance risk losing their vehicle and also open themselves up to the prospect of being sued.
Anyone that was involved in the accident, whether it was from your car or another, has the right to sue you for the cost of their medical fees or even pain and suffering. Auto insurance is the only form of protection that a driver is offered to absorb most of the costs.
In addition, the insurance company will cover costs of repairing your vehicle after you meet your deductible. The insurance company will help you buy a new car if it turns out that your car is totaled.
At some point, everyone that decides to drive without insurance is going to need to buy it, even if for a short period of time. There is a database that lets all insurance companies know who has been driving without insurance.
Drivers that fail to purchase insurance will still be able to do so, but the price is usually elevated and the policy can be provisional as they are considered to be high risk. The costs of driving without insurance are clearly not worth it.
Here are great pages for auto insurance quotes...
InsureMe Auto Insurance Quotes
Auto Insurance Quotes
Chimezirim Odimba writes on insurance.
Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba

Auto Insurance - Top Misconceptions

Many people have heard things about auto insurance and just automatically believed them. Don't put much weight into things that most people tell you when in fact most of it could just be a myth. If something that you heard seems questionable then research it for yourself. A number of myths have to be exposed for being simply that, myths!
Your new car is not automatically covered by any existing policies that you might have. Despite the fact that the majority of insurance companies will insure a new automobile, this would only be provisional, it is your duty to inform them about it in a designated time frame.
It is untrue that all states call for liability insurance by law. Watch that "every" word, most states do want you to carry liability coverage but some do not, even though it is a wise thought.
When you allow others to use your car, in the event that they are in an accident you should know that it is your policy that will be affected, not the driver's. Your rates will be likely raised as a result.
Many assume that their prices won't go up if they are mixed up in an accident since they have No Fault insurance, this is a myth!No-fault provisions only mean that regardless of who is at fault, the insurance will pay for any damage. There are no guarantees that your insurance will not be affected or that your payments won't rise.
Males under 25 years old do not pay the highest insurance rates. Because they have a higher accident ratio, seniors and teens are charged the most for insurance premiums.
If you use your car for business then you will need additional coverage. Part of how your premiums are determined does relate to your credit score.
Inform your insurance agent if you decide to give your business to another company. By doing this you can assure that your credit score will not be effected.
Your standard collision policy will not cover you against damages caused by any weather conditions, accidents that are caused from hitting something other than a person, and theft. Collision will pay for necessary repairs to your car as an end result of a collision with another vehicle. You need comprehensive coverage for other kinds of protection. If you see a deer in your headlights, try to avoid it because your collision will simply not cover the damage.
There is no specific colored vehicle that costs more to insure. In reality, the color of a car doesn't have a bearing on the payment at all.
Here are great pages for auto insurance quotes...
InsureMe Auto Insurance Quotes
Auto Insurance Quotes
Chimezirim Odimba writes on insurance.
Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba

Pay-Per-Mile Auto Insurance - Things You Should Know

Most people are barely scraping by when it comes to being able to afford driving a car. Some have opted to use public transportation or form a carpool. Despite the fact that these are big ways to chip away at the price of gas, in no way does it solve the problem as a whole.
Car owners are still stuck paying for car insurance coverage even when their driving is very limited. Essentially, auto insurance indicates a monthly bill, regardless of the time that is spent on driving.
New insurance plans are being brought to the forefront now and are indeed welcome. A few states are trying a new insurance arrangement known as pay per mile auto insurance.
The premiums for this kind of insurance would be based on how many miles that you drive. A plan such as this would stand to benefit drivers and insurance companies alike. No more full coverage rates when you are one that drives less.
These drivers would be able to have additional power over the costs associated with their car insurance plans. For people who don't use their cars as much, price reductions make perfect sense. The benefits are great for all involved.
What type of system would be enforced to determine the number of miles that one drives? They have to protect themselves against scammers that will try to manipulate the system.
Although nothing is official, one possibility includes the installation of an odometer that is linked to the insurance company and sending all information about the amount of travel that you do or perhaps even using something like a GPS unit.
The less that a driver uses their vehicle, the lower their premiums or payments will be. Drivers that can keep their travel miles at under 15,000 would stand to see the biggest savings.
People that have been using other methods to get around would actually be rewarded in the form of serious reductions on their insurance rates. Arizona, Indiana, Illinois and Pennsylvania are currently the only states that have adopted this plan.
Here are great pages for auto insurance quotes...
InsureMe Auto Insurance Quotes
Auto Insurance Quotes
Chimezirim Odimba writes on insurance.
Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba