CAR INSURANCE ALL YOU NEED TO KNOW

One of the most important aspects of insurance to consider, are the consequences of drugs or alcohol. It needs to be made absolutely clear that operating a motor vehicle while under the influence of drugs or alcohol is classified as negligence, and under no circumstances will any insurance company cover you in such a case. Additionally, if an insurance company is made aware of the fact that you were under the influence of drugs or alcohol at the time of an accident, your policy could in all probability become null and void. One should also understand that companies base their decisions according to the law, so even if you were not visibly intoxicated, if you were over the legal limit, you will not be covered. Beware because there are no exceptions to this rule.
No matter which insurance company you choose, they all offer what is known as "Third Party Insurance", which is in essence, a liability cover. The purpose of this insurance is to cover the costs, or part thereof, for damages or injury sustained in an accident for which you were at fault. Depending on your specific policy, the amount of coverage available from the insurance company can vary significantly. In order to avoid unwelcome surprises, you are strongly advised to read all the fine print and to make sure you understand all the relevant details before accepting a policy. This is the minimum level of insurance required in order to operate a motor vehicle on public roads but also keep in mind, third party insurance does not include cover for damage to your own vehicle. In order to have your own vehicle covered as well, you'll need to take out a policy known as "Fully Comprehensive Vehicle Insurance" which does of course also come at a higher cost. Furthermore, if you drive an expensive high end vehicle fitted with costly sound systems and other electronic gadgetry, you would be well advised to consider "Third Party, Fire & Theft" insurance.
What You Need to Know About Comprehensive Insurance
As the name implies, comprehensive insurance is in short, a full insurance which will cover you for nearly every imaginable tragedy. In the unfortunate event of an accident, comprehensive insurance provides cover for not only for you and your passengers, but also for any pedestrians or passengers in the other vehicle or vehicles. This policy gives you peace of mind in knowing that your insurance company will responsible for the medical or funeral expenses resulting from an accident. In addition to covering these expenses, comprehensive insurance will also cover you against theft or other such unfortunate events. Having read through the various insurance options available to you, it is apparent that the biggest savings are to be had if you limit yourself to third party insurance only. However, one needs to consider various aspects before arriving at a decision. If for example, you live in an area with a high crime rate there will be a stronger possibility of having your car stolen, so in this case you will probably want to be covered against theft. Likewise, if you have already had a few accidents in the past, comprehensive insurance may well be your best option

BEFORE YOU TOW YOUR CARAVAN GET IT INSURED

While touring caravan insurance is not a necessity for you to take your caravan and tow it behind your car, without it you could lose everything if you should have an accident and the caravan was destroyed. Not only this, there is also the possibility of fire, theft of the caravan, theft of belongings and damage caused by such as fire and flooding once you have arrived at your destination. Insurance does not have to cost a lot each month if you allow a specialist broker to search around for the insurance on your behalf. You can then go over the quotes in your own time, compare them and seek out the best insurance deal for your needs.
When considering touring caravan insurance and comparing the quotes found by a specialist broker you would have to make sure that you were comparing cover that offers the same. This means that each policy compared for the cost of premiums would come with the same level of excess; the same new for old protection e.t.c, and this would be the only fair way to compare.
Some insurance companies offer new for old or what is also known as the market value cover. This means that if your caravan is within a certain age limit and if it was totally destroyed you could get a brand new replacement in the event that it was damaged beyond repair. Market value cover means that the insurance company would pay out the current value of the caravan. When taking this into account when applying for insurance you would need to ensure that you have not only the caravan covered but also any accessories.
All insurance would come with excess built into the insurance. This is the sum of money that you would have to find to put towards the claim if you made one. If you want to keep down the cost of the premiums for insurance you can choose to payout more in excess. However while you would save on the premiums each month you would have to payout the excess before claiming so this is worth considering especially if you choose a high amount of excess.
Your no claims bonus would go towards saving you money on your touring caravan insurance. If you are an experienced driver and have no claims bonus then you are seen as a safer driver and this could be taken into account when towing the caravan and so help to keep down the cost of the premiums.
The more secure your caravan is the cheaper you will get the insurance. If you payout for extra security features such as steering locks, alarms for the doors and windows along with a tracking device the cost of insurance can drop. Take a look at some of the insurance websites as they often list well known manufacturers of security equipment and installing these can save you more than installing a cheaper brand. Finally if you have a stability system for towing your caravan then this too could also help you to make huge savings on the cost of touring caravan insurance.

Car Hire Insurance Packages and Travelling Abroad

Consumer advice as to why the insurance policies offered at the car hire desk can be worth taking when travelling in foreign countries.
The car hire desk can be one of the most confusing and laborious elements when on holiday. The sheer range of considerations and optional extras offered often leaves the consumer befuddled. While it may be easier to simply switch off and get to the car as quickly as possible there are a number of additions to the car hire agreement that should be considered. Of particular importance are the extra insurance options that are available from the rental firm, in some cases the penalties and excess charges can be astronomical hence having cover is extremely useful.
Some car hire firms can charge excess at around a thousand pounds if the rental vehicle is involved in an accident. Travellers may be especially scared of such charges but it is important not to be bullied into taking such extras, it is often worth checking existing motor insurance policies and the cover provided by a credit card before purchasing more insurance. If this cover is inadequate however, it is often advisable to take the rental firms cover, after all, no one can predict the future and having cover for unforeseen circumstances will help travellers to relax and enjoy their holidays.
Typically the best type of cover to obtain is the damage waiver. In most cases this will cover the customer should the vehicle become damaged in any way, for instance in an accident or whilst parked. While in some cases an excess will still be applied, with the waiver this excess will be considerably less. It is always advisable though to make a detailed check of the hire car before leaving the rental depot, even with a damage waiver it is important to let the company know of any damage to the car before departure, by doing this the chances of being charged for damage are negated.
In many countries across Europe and in the United States it is often essential to take some form of personal accident insurance when hiring a vehicle. These countries rarely have a nationalised health service and hence any medical treatments will result in charges. This form of insurance does not always have to be purchased from the rental desk, most travellers will have some form of private medical insurance, although it is usually advisable to check whether this will cover accidents and injuries abroad, if it does not, the hire desk is probably the best solution.
In addition to the damage waiver and accident insurance it is usually worthwhile taking some form of belongings cover. Typically if this obtained from the car hire company this will cover theft of belongings from the vehicle; as the loss of items such as passports and plane tickets can be extremely costly, especially when it comes to replacing such items, having cover for this situation is essential.
Hopefully this article has put forward some of the different types of insurance that are available from the car hire desk. While it is in no way a comprehensive list, it does give some idea of the importance of insurance cover whilst travelling. Without cover, unforeseen circumstances can easily ruin a holiday, with cover; even the most disastrous of events can be put into perspective, allowing the traveller to salvage some semblance of enjoyment from their trip. So before jumping straight into the hire car, consider the insurance packages on offer and assess whether it will be foolhardy to leave the rental depot without effective cover.

Tips for getting cheap car insurance online

If you are looking for cheapest car insurance and more information or doing that little bit of extra research online before purchasing a cheapest car insurance policy, then you're in the right place. While the web can be a time-saving tool in the search for the online cheapest car insurance quote, it is important to be aware of some of the pitfalls found in the world of online cheapest car insurance. Because generally cheap car insurance is for insuring safe drivers, therefore cheapest car insurance is for motorists with four years or more no claims discount. You should check the cheapest insurance group of a new car before you buys. Whatever your budget, car insurance is something you don't want to waste extra your pennies on it. Keeping a car on the road can be an expensive business, so cheapest car insurance is one way of trimming the overall cost of motoring.
Insurance
The lower the group, the cheaper your car insurance quotes. When shopping for cheapest car insurance there is a danger of being dazzled by the array of discounts on offer. If you have a claim-free driving history, you will be entitled to a no claims discount, which could result in a cheapest car insurance quote. Cheapest car insurance is available online, but again motorists need to beware of attention-grabbing headlines and prices that mask inadequate protection in car insurance policy. There are so may car insurance companies online that provides cheapest car insurance with a range of benefits including discounts and fast approval on valid claims.
Conclusion For Cheapest Car Insurance
Therefore it is advisable to search maximum car insurance companies online for cheapest car insurance.
Do not tempted by high claims and enticing offers but instead go in details of terms and conditions.
Do remember to mention your past no claims or good track record because that you will entitle you for cheapest car insurance.

Online Car Insurance - How to Find the Best Quotes

Looking for online car insurance? Here's are five tips that can help make it easier to find savings and the right quotes.
1. Get some information ready. You'll want to be prepared to provide information about your vehicles, such as make and model, each driver (including Social Security numbers), and the coverages and deductibles you'll want. If you already have an auto insurance policy, and are just shopping around to look for a better deal (a good idea), just have your policy declarations page handy.
2. Get at least three quotes from different companies. Auto insurance rates vary from company to company, so you want to check out a few different quotes to see who may save you the most.
3. Identify the companies you want to get quotes from. You can get a list of car insurance companies that do business in your area from your state's insurance department. Or, many people find it more convenient to use an insurance comparison site. With a comparison site you can provide your information once, and then you'll get back several quotes from different companies and agents.
4. Take notes about your quotes to help you compare and decide. You can just jot down information on a sheet of paper, or use a car insurance quote comparison sheet like this.
5. When you've found a quote you like, you may want to check the company's financial stability. There are several organizations that rate insurance companies, including Weiss, Standard & Poor's and A.M. Best. Visit their Web sites to get more information. You can also check with your state's insurance department to see if there have been any complaints about the company.
Remember, there are additional ways to lower your insurance costs. When you are looking for quotes, ask about available discounts such as multi-policy, Anti-lock Brake Systems (ABS), anti-theft devices, low mileage, good student and more.
Also, you can lower your premium by increasing your deductibles on collision and comprehensive coverages. Of course you want to be sure you can come up with the deductible in the event of a claim.

Car Insurance - Is It A Necessity?

Car insurance to some people, is a necessity while to some, it is not. In my earlier article on “A look at Life Insurance” you will be quite convinced that life insurance is a necessity for a family. Like wise, car insurance is a necessity for every car owner. By the definition of accident, no car is free from road mishaps. Also, no car can be hundred percent protected from car theft. Since we live in an unsecured world, our cars are also not equally not secured. Thus, we all need car insurance or auto insurance to help protect our car from unforeseen circumstances which may lead to permanent loss of a car.
Not only this, some car insurance not only protects the car. Most car insurance equally insures the victims of such car mishap. It all depends on the policy of the car insurance or auto insurance company. With all these benefits one will derive from car insurance, will you still view car insurance as unimportant, a luxury or a necessity.
Actually, anyone who drives a car runs the risk of liability for an accident. Nobody prays for an accident. We all know that car accidents can not easily be avoided. Thus, we need a little bit of security for our cars. The only way we will get this type of security is by insuring our car.
As a matter of fact, every individual should see car insurance as a necessity not a luxury. As you contemplate on this articles, try and understand the policy of the car insurance company which you will demand their service.
Don’t because of car insurance drive recklessly. Always drive safe.

How To Get The Lowest Car Insurance Rate Possible

Car insurance companies are for profit institutions, so they are always going to give you the highest car insurance rate that you are willing to pay. However, this is a very competitive market which is good news for the consumer, since insurance companies also need to attract and maintain customers, so they will also give you the lowest car insurance rate wherever possible to ensure a strong, active client base. While that may sound like a contradiction, that is just the way capitalism works. If you take the time to understand how insurance companies work, you can realize significant savings.
First, it is important to car insurance companies to minimize the risk factors, so you need to familiarize yourself with what they consider as risk factors.
The number one risk indicator is a poor driving record. Unfortunately, if you drive a lot, you put your exposure to getting speeding tickets and other moving traffic violations out there. When you get a ticket, it is best to try to do whatever is necessary to keep the points off your record, as it is these points that insurance companies use to consider a car insurance rate that would make it worth their insuring you.
The best way to do keep those points off your record is, of course, to obey all traffic laws at all times. But accidents happen, speed limits change, the performance level of your vehicle may make it easier to get up to and beyond your intended speed. And, let's face it, in most cities, police officers have to write tickets to generate revenue for the city and to keep their jobs. An affordable way to combat the inevitability of getting moving traffic violations is to get a legal insurance plan which will send an attorney to court anywhere in the country for you and fight to keep the points off your record and, consequently, your car insurance rates from sky rocketing. This is not as expensive as you may think.
There are also certain vehicles that are inherently high risk in the eyes of the insurance companies and others that are inherently lower risk. When choosing a vehicle, take these factors into consideration before making your final suggestion. Your insurance agent will be helpful in helping you determine which vehicles are associated with lower car insurance rates. A car considered to be a sports car like a Mitsubishi Eclipse will typically have a much higher car insurance rate than a Chevy Impala.
You can also lower your insurance by combining other insurances with the same carrier or by taking advantage of multi-car discounts for everyone in your family. For instance, you might save an additional percentage off your policy if you insure your life, your home, and your car with the same carrier.
There are also discounts offered for students who passed a driver's training course, people who have maintained loyalty to a company without any claims, people who have minimal travel time, and for married couples with children.
No matter what your rate, there may be a better one out there for you from a competing insurer, so it is wise to compare car insurance rates with different companies at least once per year. There are several online companies that can assist you with this. You might find that you can save way more than 15 percent by switching to someone else! For more insights and additional information about getting the best Car Insurance rate as well as getting a free no-obligation online car insurance quote

Parked Vehicle Accidents - What Insurance Will Cover When Your Car is Damaged

Michigan's No-Fault Law has specific information related to damage to parked vehicles. If you damage a parked car or if your own car is damaged, any repair payments fall under "property damage" of the insurance policy of whatever vehicle hit the parked car. Also, by law, a car rental is included while repairs are being done.
In a perfect world, the individual who is driving and hits a vehicle will stop to identify him/herself and provide insurance information. In this case, the owner of the parked vehicle should file a property damage claim with the other person's insurance carrier for repairs to be done as well as for rental coverage.
Often, however, there are people that do not stop and admit they hit a vehicle, which results in a "parked hit and run" scenario. If there is no way to ID the suspect driver/vehicle, the owner of the parked car, unfortunately, will have to claim the damage on their own insurance. If collision insurance coverage is on the policy, the damages will be repaired. However, only if one has Rental Reimbursement coverage will rental be offered.
Additionally, if the person who hits a vehicle doesn't cooperate, insurers will repair a customer's vehicle (once again, if collision coverage is on the policy) and subrogate against the other insurance carrier for any damage costs and rental if rental reimbursement is carried. If this is not on the policy, the owner of the parked vehicle can do a rental on their own and subrogate for the expense of this as well.
Founded in 1990, Affordable Insurance Service Agency, LLC. is a leader in providing quality protection for hundreds of individuals, families, and businesses throughout Michigan.

ALL ABOUT CAR INSURANCE

Always shop for the lowest car insurance rates. I find that comparsionmarket, Geico, and Progressive Auto Insurance are excellent resources for finding the lowest rate. Please note that comparison market will not allow you to use them unless you are currently covered.
Step2If you owe more than the value of the car,lease, or put down less then 20%, you should consider gap insurance. Gap insurance acts like a supplement. If you owe $18,000 on a car and it's worth $10,000, car insurance will give you $10,000. Gap insurance will make up the difference. It's best to buy gap insurance from www.gapinsurancequotes.com vs buying direct from the dealer. Dealers generally charge $500-$700 were gap insurances quotes charges 1/2 that cost.
Step3Try to get a copy of your drivers license to catch any and all mistakes which will drive up your auto rates. Rule of thumb, your driving record determines your auto rate like your credit report determines your loan rate

ALL YOU NEED TO KNOW ABOUT INSURANCE

IN INSURANCE THIS IS VERY IMPORTANT
If you have a vehicle and want to drive on Arizona roads, then you must obtain at least the minimum Arizona auto insurance coverage. The state of Arizona does not require collision or comprehensive auto insurance, but it does require a minimum liability auto insurance policy for all motorists.
Arizona Minimum Liability Auto Insurance Requirements
Each state has its own guidelines and regulations for minimum car insurance coverage. Liability coverage is simply insurance that covers others that are harmed by an accident, but it does not cover bodily injury or property damage done to yourself if you are at fault. The minimum coverage required for any vehicle that is to be driven on Arizona roads is 15/30/10 liability coverage, which means the following coverage:
$15,000 for the bodily injury or death of one person in an accident that is determined to be your fault.
$30,000 for the bodily injury or death of two persons in an accident in which you are determined to be at fault. There is also a $15,000 maximum per person at this level of coverage.
$10,000 property damage due to an accident in which it is determined that you are at fault.
Arizona auto insurance minimum coverage requirements do not dictate that you have to have auto insurance on vehicles that are garaged. If you have a vehicle that you are not using for whatever reason, you can de-insure that vehicle temporarily. An Arizona De-Insured Certificate must be filled out and submitted. You cannot drive the vehicle again until you reinstate Arizona car insurance on the vehicle.
Arizona Auto Insurance for Uninsured Motorists
Uninsured motorist coverage is auto insurance that you purchase to cover yourself in case you are involved in an accident with someone who does not have auto insurance. Many states do require you to obtain uninsured motorists auto insurance but it is not a part of Arizona auto insurance minimum coverage requirements. However, all Arizona auto insurance companies are required to offer this insurance to you, but you need not accept.
Penalties for not Obtaining Arizona Auto Insurance Minimum Requirements
As stated before, it is required by law to obtain minimum car insurance coverage in the state of Arizona. It is also required that you demonstrate proof of insurance at specific times. If a law enforcement officer asks for your proof of insurance at the scene of an accident or any other time, you must show when requested, there are legal penalties. In the state of Arizona, you can be hit with a $500 fine and suspension of your license, vehicle registration and license plates for three months. This is the penalty for a first offense, and the penalties for second and third offenses are more severe.