By Meha Ahmad, Insuranceagents.com Staff Writer
When it comes to saving on your auto insurance, sometimes the best offense is a good defense. Accidents and traffic violations are a sure-fire way to lose money on your auto insurance. Rates tend to increase the more of a risk you are as a driver. Low-risk drivers are rewarded with more affordable auto insurance, and can even qualify for discounts. To check for the lowest rates online, use our quick online form to compare rates from different companies. Wanna know the secret to saving on car insurance, talk to insurance agents, they know the various types of discounts you can receive and can help you save the most. If you don't like the idea of talking to someone, you can always compare top providers in your area with the click of a button.
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Driving Habits That Cause Car Insurance Increases: NO-NOs!
1. Don’t get distracted. Local governments are cracking down on high-risk distractions drivers take part in while they’re at the wheel. These habits cause too many accidents and contribute to high auto insurance rates. Some of the worst habits that cause car accidents are:
* Talking on your cell phone
* Texting while driving (VERY dangerous!)
* Horsing around with other passengers
* Fiddling with the radio
* Eating
Avoid doing all of the above while at the wheel. You never want to get into an accident, especially for such a silly reason. Cutting these distractions while driving is a sure way to avoid accidents and prevent high rates on your auto insurance.
2. Don’t tailgate. We know you’re in a hurry to get to work, but tailgating isn’t going to get you there any faster. But it can make you spend more in auto insurance. It might be a hard habit to break, but you’ve got to leave several feet of space between you and the car in front. Maintain an appropriate speed and space. If you can, switch lanes. But tailgating can lead to a fender bender, and it’ll be your fault. Result: higher auto insurance premium.
3. Don’t have bad credit. Easier said than done, right? But the better you’re your credit history, the easier it is to get an affordable auto insurance premium. Drivers with good credit, a history of paying their bills fully and on time are considered low-risk and highly responsible. Just remember to pay all of your bills on time and don’t open new credit accounts too regularly.
4. Don’t—ever!—ditch your auto insurance. We understand your pain—you’ve got other bills to pay and your high auto insurance premium is too much to handle financially. Besides, you’ve never gotten into a major accident before, so the chances of that happening now are almost nothing, right? Right? WRONG. It is against the law to drive without auto insurance. And what if bad luck were to strike RIGHT AFTER you ditched your auto insurance? You could end up paying thousands out of pocket, a sorry alternative to the premium. Also, drivers who go without auto insurance now but try to purchase it again in the future are subject to much higher premiums, as they are considered higher-risk drivers. So for your own sake (and your wallet’s), ALWAYS HAVE AUTO INSURANCE.
Kamis, 10 Juni 2010
Rabu, 14 April 2010
Car Insurance Policy Types
Before you compare quotes it can be useful to know which type of car insurance policy will best suit your needs. There are three levels of cover to choose from.
Third Party Only
Third party only is the cheapest level of car insurance you can buy. All motorists are required by law to take out third party insurance.
The main benefit of this type of insurance is its affordability, but while the cost can be low it's worth remembering that the policy only covers liability to others. It offers no protection for you or your vehicle.
Read more about third party only car insurance.
Third Party, Fire & Theft
Third party, fire and theft offers all the protection of third party only and comes with the added advantage of covering your own vehicle if it gets stolen or is the victim of damage caused by fire or theft.
TPFT can be a good option for cheaper cars but the policy still won't provide cover for you if you're involved in a driving accident.
Read more about third party, fire and theft insurance.
Fully Comprehensive
With a fully comprehensive policy you receive all the cover provided by the options above plus cover for yourself and your vehicle in the event of an accident.
No fully comp policy will cover every eventuality but it is the most complete form of insurance available. Optional extras such as breakdown cover or a courtesy car are available and costs will vary between insurers.
Read more about fully comprehensive car insurance.
Sabtu, 10 April 2010
How can I find a cheap car insurance in Arizona?
Arizona Flaga very effective way for motorists to the cheapest car insurance is in AZ, and compare prices of different airlines. The price the company can require a person may be a little "different from the others, so that its comparison shopping is the best for the carrier most convenient for them to locate particular.
Find economic Arizona auto insurance quote:
Postal Code:
currently insured? yesno
Shopping for auto insurance cheap Arizona
The approach that consumers make when purchasing coverage can make a big difference in what end up paying for its policies. Many people do not understand the measures necessary to ensure they find the best deal. Completion of an effective comparison of quotations is one of the steps that can help you obtain a driver the best possible deal.
If you decide to buy a new policy, which proposes that individuals will receive prizes, as many vendors as possible before the decision to be insured. This is important because auto insurance quotes of each company is different and in some cases, the difference can be significant, several quotes can help companies reduce the load. The more you give, the more likely they will find what you are looking for is to choose, can.
When shopping, compare different options and types of reports. Arizona law auto insurance requires minimum liability limits may be much lower than the cost of accidents and damage caused by an accident. By comparing large amounts of protection can lead to the spread at a rate low enough insurance and can pay on the road.
In addition, drivers who could be regarded as comprehensive and collision coverage to attract the necessary adjustment of their franchises. Raising a deductible of $ 500 to $ 1,000, reduce the premium and keep the money in hand, you should remember that the amount paid out if an application is made. If a vehicle is negligible, given the low coverage of damage, the price premium and deductible exceed the benefits paid to comprehensive and collision.
A comparison of tenders and can companies more care to learn and use discount applies. Common-State of Arizona flag and auto insurance discountsArizona include;
* With more than one vehicle on a policy
* Students Bravo (maintaining a "medium" B or higher)
* Anti-theft device
* Good driver
* The realization of a class of driving instruction
* With safety features on a vehicle
Operation * Low annual mileage
There may be additional discounts based on each carrier. Individuals must be aware that all companies offer the same discount, even if a particular insurer may be offered at a price does not necessarily mean they are the cheapest supplier. When comparing companies, make sure that even if a reduction has been applied, which in reality is always cheaper.
Find economic Arizona auto insurance quote:
Postal Code:
currently insured? yesno
Shopping for auto insurance cheap Arizona
The approach that consumers make when purchasing coverage can make a big difference in what end up paying for its policies. Many people do not understand the measures necessary to ensure they find the best deal. Completion of an effective comparison of quotations is one of the steps that can help you obtain a driver the best possible deal.
If you decide to buy a new policy, which proposes that individuals will receive prizes, as many vendors as possible before the decision to be insured. This is important because auto insurance quotes of each company is different and in some cases, the difference can be significant, several quotes can help companies reduce the load. The more you give, the more likely they will find what you are looking for is to choose, can.
When shopping, compare different options and types of reports. Arizona law auto insurance requires minimum liability limits may be much lower than the cost of accidents and damage caused by an accident. By comparing large amounts of protection can lead to the spread at a rate low enough insurance and can pay on the road.
In addition, drivers who could be regarded as comprehensive and collision coverage to attract the necessary adjustment of their franchises. Raising a deductible of $ 500 to $ 1,000, reduce the premium and keep the money in hand, you should remember that the amount paid out if an application is made. If a vehicle is negligible, given the low coverage of damage, the price premium and deductible exceed the benefits paid to comprehensive and collision.
A comparison of tenders and can companies more care to learn and use discount applies. Common-State of Arizona flag and auto insurance discountsArizona include;
* With more than one vehicle on a policy
* Students Bravo (maintaining a "medium" B or higher)
* Anti-theft device
* Good driver
* The realization of a class of driving instruction
* With safety features on a vehicle
Operation * Low annual mileage
There may be additional discounts based on each carrier. Individuals must be aware that all companies offer the same discount, even if a particular insurer may be offered at a price does not necessarily mean they are the cheapest supplier. When comparing companies, make sure that even if a reduction has been applied, which in reality is always cheaper.
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