Saturday, April 12, 2008
Author: Guest
In most cases it is up to you, the driver, to ensure that your auto insurance company offers you the minimum required.
Specific ways to save money on auto insurance:
In most cases it is up to you, the driver, to ensure that your auto insurance company offers you the minimum required.
Specific ways to save money on auto insurance:
1. This scenario is the auto insurance equivalent of guaranteed access to low-priced auto insurance that takes care of every possible repair, including damage already done, until the day the car falls apart so completely it's unsalvageable (death) or reaches 200,000 miles (Medicare), regardless of whether she even changes the oil (takes care of herself) in the interim. In case you don't have coverage and you do get suspended, you can still get an auto insurance policy before the date of suspension.
And, if you use a homeowner's insurance company that also covers your auto insurance as well, chances are you will get the bulk, discounted rate. Also, remember that you can qualify for a better deal from your current auto insurance company if you have many insurance policies with them such as a combination of car, home and life insurance, which can cost cheaper as a group when compared to buying individually. Most states and most countries will require a certain level of cover, from full comprehensive car insurance to third party auto insurance.
Most states require all drivers living within their borders to carry a minimum level of auto insurance. If you own a home, ask about combining your homeowners insurance with your auto insurance. It is often found that auto insurance premiums for the same car model and similar coverage, differ from one car insurance company to another.
Unlike an auto insurance policy however, a notary bond is simply a guarantee that the funds will be available should a loss occur. So in case your car is damaged the auto insurance company will pay for rental costs, (sometimes only for a few days). If you are renting a car in another country you should definitely consider purchasing coverage at the rental counter as most personal auto insurance policies only cover their owners in the country where the policy was written.
When you change auto insurance companies, the new agent or insurer can generally change carriers while you wait.
About the Author
Want more information on auto insurance? Then check out my site for more information and resource links here: Auto Insurance High Risk
Labels: Auto Insurance
Friday, April 11, 2008
Author: peter1
If you're in need of a car insurance adjuster then there are a few facts you should know before you meet with him/her. The first rule of thumb is that if your car insurance adjuster is over friendly remember, he is there to save money for the company he works with, not especially for you.
Don't ever sign anything without reading every detail and never underestimate the good will of the car insurance adjuster. If the adjuster wants to discuss anything on the phone, request that you would rather meet with him/her in person until after your insurance claim is settled.
If you're in need of a car insurance adjuster then there are a few facts you should know before you meet with him/her. The first rule of thumb is that if your car insurance adjuster is over friendly remember, he is there to save money for the company he works with, not especially for you.
Don't ever sign anything without reading every detail and never underestimate the good will of the car insurance adjuster. If the adjuster wants to discuss anything on the phone, request that you would rather meet with him/her in person until after your insurance claim is settled.
You can be pleasant with the insurance adjuster but stay firm. No matter what happened at the scene of the accident, it is not the car insurance adjuster's fault if the person that hit you was an idiot. Don't underestimate the importance of an adjuster's impressions because they all go into your file. The way you act toward him/her could have an influence on your insurance claim later.
Even if, for example, your car hit a deer, insurance adjusters will even be called for this too, to estimate the amount of damage to the car. Again let the adjuster do his/her job and be friendly. When you hit a deer it can cause the same amount of damage in some cases as hitting a car, or even worse. Let the car insurance adjuster look at the damage and make up his/her own mind regarding the extent of damage. Again don't sign any thing until your car insurance claim is settled.
An independent car insurance adjuster is also expected to settle insurance claims quickly. This person may not owe a particular allegiance to a specific insurance company, but they want to collect the fee from the company. An insurance adjuster's authority to settle a claim is restricted, but the adjuster will do everything possible to make sure you get treated fairly
The bottom line is don't let a car insurance adjuster suck you into thinking he's your best friend in the world, only to be let down later. This is the nature of job and no matter how friendly the adjuster is, he/she is there to do a job. You have little to do with that except provide them with information needed to assess the damages to your car.
Just be a little careful when dealing with a car insurance adjuster.
About the Author
For a website totally devoted to Car Insurance visit Peter's Website Car Insurance Answers at http://www.car-insurance-answers.com/ and find out about Car Insurance as well as Cheap Car Insurance at http://www.car-insurance-answers.com/cheap-car-insurance.html and more, including Online Car Insurance Quotes, UK Car Insurance, Car Insurance Rates and Car Insurance Quotes.
Labels: Car Insurance
Author: peter1402
Insurance is one of the most essential financial tools you will need in all aspects of your life, yet it is a topic that many people overlook. Insurance can be boring as well as confusing, but it is important that you get the basics right so that you don't get caught out.
Insurance is one of the most essential financial tools you will need in all aspects of your life, yet it is a topic that many people overlook. Insurance can be boring as well as confusing, but it is important that you get the basics right so that you don't get caught out.
Always need more
When you are looking at which types of insurance you need, it is easy to overlook some things that you need insuring. If you can afford to insure something or be protected against something then it pays to do so. You usually need more insurance than you think, both in terms of types of insurance and levels of cover.
Don't pay too much
Although insurance is necessary, you don't want to pay too much for it. Insurance is only worth it at the right price. Paying too much for insurance will outweigh the advantages that it gives you. Always shop around for your insurance, and consult independent financial advice if you are unsure about which insurance package is right for you.
Look online
If you want information about insurance terms, prices, or lenders then the best place to look is online. Some of the best insurance deals can be had online, and using one website to compare prices is much more convenient than walking round your high street talking to different lenders. If you want to save time then look online for your insurance first.
What insurance do you need?
Obviously the type and amount of insurance you need really depends on your lifestyle and individual needs. However, there are a number of types of insurance that most people should have or at least consider having. These include:
Life insurance
Vehicle insurance
Property insurance
Travel insurance
Medical insurance
Obviously there are many other types of insurance, and if you have something that you want to protect then you will probably be able to get insurance for it.
Is insurance worth it?
Many people think that insurance is a waste of time because it costs them money and they never claim. This is a good thing, because you really don't want to have to claim on your insurance. Good insurance is essential, because it protects the things that we value most. If anything should happen to these items then we know we will be compensated for it or be able to replace it.
Insurance to avoid
As well as good insurance there are plenty of types of insurance that you should avoid. Never pay too much for your insurance or more than you think it is worth, because this defeats the point of the insurance policy. Also, don't sign anything that has strict limits on what you can claim for, making the policy almost worthless. Try and get a good level of cover at the right price, and before agreeing to anything check that the lender is reputable and that if you need to claim they will be able to compensate you.
About the Author
Peter Kenny is a writer for creditcards-gb For additional articles and an extensive resource for everything about credit cards, please visit us at http://www.creditcards-gb.co.uk and http://www.thriftyscot.co.uk/Insurance/
Sunday, April 6, 2008
by: Mike Yeager
If you've been out of school for a couple of years or perhaps just graduated from college, you're probably a candidate for cheap health insurance. Once a person reaches a certain age they're no longer covered by their parents health insurance plan. If you're just starting out it's important to find cheap health insurance coverage. If you've just graduated from school or just started work and you don't have coverage, don't be tempted to forgo this necessary expense because you never know when an accident can happen. Most people are looking for modest coverage but also want some essentials. Generally, when a person buys their own coverage, they tend to favor high deductibles to save money on the cost of premiums.
If you've been out of school for a couple of years or perhaps just graduated from college, you're probably a candidate for cheap health insurance. Once a person reaches a certain age they're no longer covered by their parents health insurance plan. If you're just starting out it's important to find cheap health insurance coverage. If you've just graduated from school or just started work and you don't have coverage, don't be tempted to forgo this necessary expense because you never know when an accident can happen. Most people are looking for modest coverage but also want some essentials. Generally, when a person buys their own coverage, they tend to favor high deductibles to save money on the cost of premiums.
Personal health insurance, Cheap Health Insurance and low cost health insurance rates.
Even if you're on a tight, limited budget, it's very important that you pick up some kind of cheap health insurance. Even if you only have a plan that covers unexpected hospitalization, your peace of mind will be greatly enhanced. Keep in mind that a catastrophic health insurance policy can come with a high deductible before their coverage kicks in. They don't pick up the cost of preventive physician visits or emergency room visits to get a few stitches.
Some questions to ask when considering cheap health insurance.
1) Can your and/or your family afford to pay ALL your medical expenses if you're sick or injured?
2) How much is the deductible?
3) Can you afford the deductible?
With a little searching and comparison shopping you find the best rate for your personal cheap health insurance.
About The Author
Mike Yeager
Publisher
Labels: Health Insurance
by: Evan Davis
Looking for low cost health insurance quotes? Good. You are taking that most important step of shopping around for the best price. But more importantly, you undstand that it is important to have health insurance, and perhaps, even more importantly, understand that the real purpose of health insurance, as for any insurance, is protection. That is, you do not get health insurance to act as a sort of discount off the price of doctor and hospital services. The point of insurance is protection in the event of catastrophe. Yes, health insurance costs are high and continue to rise, but do not forget that the reason you are seeking health insurance quotes online--and even offline--is to insure you get the most protection (not discount) for the best (lowest) rate.
Looking for low cost health insurance quotes? Good. You are taking that most important step of shopping around for the best price. But more importantly, you undstand that it is important to have health insurance, and perhaps, even more importantly, understand that the real purpose of health insurance, as for any insurance, is protection. That is, you do not get health insurance to act as a sort of discount off the price of doctor and hospital services. The point of insurance is protection in the event of catastrophe. Yes, health insurance costs are high and continue to rise, but do not forget that the reason you are seeking health insurance quotes online--and even offline--is to insure you get the most protection (not discount) for the best (lowest) rate.
Getting health insurance quotes is now extremely easy with the use of the Internet. Take advantage of online insurance quote availability to get an idea of the range of premium prices offered. Even if you don't want to buy online, you will have a better understanding of what the insurance agent is talking about, and when it comes time to put ink on the contract, you will be making a more informed decision. Remember, too, that quotes are free and come without obligation.
When you look for cheap health insurance quotes, online or off, you must also consider type of health care you want and what that means in terms of how your care is delivered to you. Health insurance is a much more than a matter of co-payments, co-insurance, and deductibles. When you get a health insurance quote, you are getting a quote on a certain kind of plan. Unfortunately, there is no such thing as a single "best" plan. You will find that there are some plans that will serve your needs better as an individual, and plans that will be better for both you and your family's needs. Plans will vary according to what services they offer, and you will probably have to make some hard choices as to what services are most important. No plan will pay everything; there will always be out-of-pocket costs associated with your medical services, though some plans will pay more for the services you deem most important. So, health insurance quotes are really the tip of the iceberg to a very important subject.
Cheap Health Insurance Quotes and the HMO, PPO, FFS/indemnity plan, and POS
*HMO--An HMO is a health maintenance organization. An HMO contracts with doctors, hospitals, and other medical providers to form a sort of network. As a member of an HMO, you are required to use the providers in that network. You pay the HMO a certain amount of money per their payment arrangements in order to receive medical services.
*PPO--A PPO is a preferred provider organization. A PPO is similar to an HMO in that there is a network of medical providers that you can use. However, the PPO does not require you to use that network and allows you see doctors and go to hospitals out of network. Normally, you do not need a referral to see doctors out of network. However, in that event, you do pay more for the service. That is, the amount of coverage is less.
*POS--A POS is a point of service plan. A point of service plan is very much like an HMO except that POS doctors can refer you out of the network of providers to see a specialist. In a POS, you would not refer yourself, and if the plan does refer you out of the network, you do pay more for the service.
*FFS--A FFS or indemnity plan, is a fee for service plan. In a fee for service, you are billed by the service. You are usually not required to use a network of providers. That means you choose which doctors, hospitals, and specialists you want to see and use. Because you make the decision about who you see and where you go, there is no need for a referral to see a doctor. The only limiting factor is whether or not the provider accepts the insurance of the fee for service plan insurance.
Low Cost health insurance quotes have a lot going on behind the scenes. Seeking an online quote? Now you have a better idea of what that quote is for. When you visit an insurance agent to talk health care, be sure to look thoroughly into the options available to you. Your health insurance quote represents a package of insurance services, and it is important for you to understand the relationship between the quote and the services you may be purchasing.
About The Author
Evan Davis works in Medicare customer service and is the webmaster and owner of Instant Health Insurance at http://www.find-health-insurance-online.com/ where you can find cheap health insurance quotes and much more. Read news, advice, health insurance tips, and Medicare insider reports found no where else on our blog at http://www.find-health-insurance-online.com/announcements/.
Labels: Health Insurance
Saturday, April 5, 2008
by: Steve Gillman
There are the usual tips for getting really cheap car insurance. You may need to be reminded of these. Then there are the secrets that you haven't heard about. You'll find a few of those here too.
1. Shop around. Call several companies for quotes, starting with those that advertise the lowest prices. be sure to include at least one independent agent, since they can check many companies for you. Use the tips here to make a list of questions to ask them.
2. Raise your deductible to lower your rates. If you really can't afford the first $500 of an accident, you should rearrange your financial life. After all, you're going to find away to afford more than that over time, on higher premiums.
3. Consider dropping collision. Why pay for it if the car is worth $1000? All you'll get is $1000. The rule is: drop the collision if you can afford the loss. You can't drop it if you owe on the car. However, if the car is worth only a couple thousand and you still owe a little on it, get a personal loan to pay off the car loan, drop the collision coverage, and the savings on the insurance may almost make the payments.
4. Round down your distance to work. You are charged more if you drive farther to work, so be sure to give the shortest distance on the application. Fifteen miles is a common cut-off, at which point you start to pay more.
5. Demand the legal minimums. Do this if you have no assets. Most companies will try to sell you their "company-recommended minimums" on liability, but you may not need that much coverage. Remember, if you are broke, you are not an attractive target for a lawsuit.
6. Get any discounts you are eligible for. Ask about any "safe driver" non-smoker" or other special discounts.
7. Home and auto discounts. See if there is a discount if you insure car and home with the same company. This can often save you a lot.
8. Pay for 6 months at a time. Don't take the easy monthly payment option. They always charge you more for that. Learn to budget and you not only get really cheap car insurance, but everything else is cheaper too.
9. Review your policy. Have your policy reviewed and get new quotes every year or so. If the speeding ticket you had is now past the three year mark (or whatever the company thinks is important) they won't automatically drop the rate, so ask.
10. Consider the insurance costs when buying a car. Sports cars and others are charged higher rates. This isn't a one time charge. You'll pay more for as long as you own the car.
11. Keep policy current. I went without a car for a while, and let the policy lapse because I didn't need it, and there wasn't enough time left on it to request a refund. When I bought a car again, the cost for a six-month liability policy went from $167 to $400 because of my lapsed policy. Keep the policy active if you will be buying again soon, or cancel it, but don't let it lapse.
12. Get paid for diminished value. If you have an accident, be sure the insurance pays what it should. "Diminished value" is often not paid unless you push the point, even though a car loses value from being in a wreck, even after it is repaired.
13. Remove kids from policy. If the kids are at a college that's more than 100 miles away, you can have them taken off the insurance policy and save a lot of money. You can't let them drive the car when they come home to visit though.
14. Get older. Rates drop, especially after 25 years old, so get new quotes now and then as you get older. They may not adjust your rate automatically. Old safe drivers can get really cheap car insurance.
About The Author
Steve Gillman has been hunting down obscure knowledge and useful secrets for years. Learn more and get a free gift at: http://www.thesecretinformationsite.com/.
Labels: Car Insurance
Friday, April 4, 2008
by: Rashme Wong
But you'll want be surprised at how varied the rates for pickup insurance can be in your area. Totally shop around for your automobile insurance. Dont just go with the first agency you speak with.
But you'll want be surprised at how varied the rates for pickup insurance can be in your area. Totally shop around for your automobile insurance. Dont just go with the first agency you speak with.
Now, thanks to the net, you can shop around suitable from the comfort of habitat. Go ahead and get at least three price quotes from distinctive kinds of insurance corporations.
If youre in the audience for a novel car, call to see how much it will cost to ensure in the first place. Having a car alarm and other anti-theft devices can chip in reduce your costs.
Always apply about discounts. Dont be shy. Corporations anticipate this!
Whats my cost if I have a $500 deductible? (Enhancing your deductible from $200 to $500 could lower your collision and in-depth coverage cost by as much as 30 percent.)
How about a $1,000 deductible? Running to a $1,000 deductible can save you 40 percent or more. (Now if you dont keep at least this much in the bank, dont alternative out this option!)
If your car is worth less than 10 times the annual insurance premium, purchasing extra coverage may not be affordable. Whichs one distinguished gizmo about owning an aged car!
My credit rating is astounding. I always pay my bills on time.
What if we insure more than 1 car with your corporation?
I havent had an accident in more than three years.
I havent had a traffic ticket in three years.
Ive taken a drivers training course.
My car has an anti-theft mechanism.
I dont put a mass of mileage on my car in a years time.
I carpool.
My car has air bags.
My car is quipped with anti-lock brakes.
I have daytime going lights.
Im a student driver with top-grade grades.
Since I have both car and home coverage with you, do I qualify for a discount?
Im a schoolhouse student away from home.
Ive been a long time regular purchaser.
My mom and dad use your company.
Do you present any other discounts? Some companies offer reduced rates to drivers who get insurance through a group plan from their employers and other expert groups. It cant hurt to ask.
About The Author
Rashme Wong has been an Car insurance Consultant for 5 years whose articles on Car insurance industry have appeared on many major Car insurance websites. For more information, simply go to this site: http://www.buy-used-auto-parts.info/usedautoparts
Labels: Car Insurance
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