Tag Archive: auto insurance


A Couple of Important Points to Know When Buying Your Car Insurance

Filed Under: car insurance by Don Weststein — Comments Off
January 5, 2011

A couple of important points that you need to know when buying your car insurance policy are money saving tips. These tips will give you some guidance and understanding of how insurance companies calculate your premium and how you can go about reducing it. Now let’s look at some points that could reduce your premium.

Car insurance premiums can often be lower if you are willing to have a higher voluntary claim excess on your policy. The thing that you must not forget is that motorists will have to pay out more money should they need to make a claim. This is sometimes a quick method of reducing your premium, but to the determent of you paying out more money for a claim. It’s a risk many drivers take but could potentially save them around 25 percent. Not a bad saving.

Another top saving method that will help get the best saving is your no claim status. Do you have more than fours years under your belt built up? If you do then you should get a reasonable discount. Companies will offer a maximum of up to 75 percent, but it does depend on the length of your no claims. The evidence for your no claims status is on your insurance certificate, so take a look at it if you’re not sure how many years you have. This is why younger drivers find it difficult to pay lower premium, because they have not built up any no claims bonus.

When constructing your quote you’ll find that one of the questions the insurance companies want to know is what your job is. They use this information to calculate your premium so make sure you pick the right one or you may be charge to much for your error. There is a connection between job types and their likelihood of making a claim, that’s why they use this information.

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More Than car insurance for a great deal. These top car insurance tips do not guarantee savings, it does depend on your personal circumstances and many other factors, these tips are a guide that could help.

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Want To Know More About Cheap Business Van Insurance?

Filed Under: car insurance by Don Weststein — Comments Off
November 3, 2010

There are insurance plans for all sorts of vehicles. Most of the times cars are classified as a single segment despite its vastness yet there are some subtle demarcations to identify what sort of motor insurance plan is to be applied on which vehicle. But there is a segment of insurance plans that deals with vans only.

The van insurance plan has been designed especially for vans considering their popularity for both personal and business use. The van insurance plans are divided accordingly. The insurance plans for vans have been designed because of the huge demand of the plans for this segment of motor vehicles which has gained tremendous popularity.

There are good reasons for vans being used for personal and commercial purposes. First of all, their size is their edge. A van has much more space than a car has yet the road space that they occupy is comparable. A van though being larger in volume occupies the same area on the road as a large car would and this is what makes them so popular. They can ferry more passengers and more load than any ordinary vehicle and yet does not cause as much disruption as a large bus or a truck would.

This is primarily what has given the small and medium sized businesses the inclination to use vans more than any other motor vehicle. It is for this purpose that the business van insurance has been introduced. To find a cheap business van insurance plan, the thumb rule for all the insurance plans apply. Research the plans from different companies and when you find the plan that suits your needs the most; compare it with the second best and the third best that you have got to decide in the cheap business van insurance available.

Comparing the cheap business van insurance plans together will help you identify which plan offers better features and how will it be more suitable a particular vehicle and its owner. Check out the Direct Line van insurance policy online. There is an insurance plan that has a provision of insuring a whole armada of vans owned by a company under the same insurance plan.

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Three Questions for the Car Insurance Pro

Filed Under: car insurance by Don Weststein — Comments Off
September 30, 2010

How much do you know about car insurance?  Do you think you’re an expert?  Here are three little-discussed questions to test your auto insurance knowledge.  If you can get the answer right to these difficult questions, then you know more about car insurance than a majority of people in the country!

Who is car insurance cheaper for, men or women?

A single woman’s car insurance rate is almost always going to be cheaper than a single man’s rate, if they live in the same area, have the same driving history, have the same vehicle, and have similar credit.  Insurance companies deem men to be a much higher risk than women.  Studies have shown that men are much more likely to engage in speeding and dangerous driving habits.  Although women aren’t immune to bad driving habits (we’ve all seen the woman driving with her knee while putting on makeup), men receive a slightly worse rate on average than women do.

Which is more important for your premium, tickets or accidents?

At-fault accidents will almost always be the worst thing that can happen to your insurance premium.  If you are the cause of an accident, that means your insurance company is going to have to front some money.  This is never good for your auto insurance renewal premium.  Tickets may have a larger affect on your premium then not-at-fault accidents, however.  Of course it depends on the type of ticket, how extreme the situation was, etc., but tickets can cause your insurance rate to sky rocket as well.  If you are looking for the perfect storm, racking up serious speeding tickets while causing at-fault accidents is a sure fire way to do it!

Who is car insurance cheaper for, a man in his 70s or a man in his 30s?

Believe it or not, but auto insurance will probably be more affordable for the 70 year old man than for the 35 year old man, assuming all other things except their age are equal.  This may come as a surprise to you, because older people generally tend to lose eyesight, hearing, and ultimately their ability to drive in a safe manner.  However, studies have shown that people that are older seem to have better rates than those in the middle part of life.  Is it because, in general, elderly people drive slower? It’s unclear exactly what the reason is, but one thing is for sure; there are some things that just seem to get better with age.

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Job in Focus- Auto insurance Broker

Filed Under: car insurance by Don Weststein — Comments Off
September 24, 2010

If you are on the lookout for a new job nowadays, whether part time or full time, you definitely have lots of options to choose from. However, among the most profitable yet effortless jobs you can probably take is being an auto insurance broker.

This job is not as tedious as others, and your income will vary greatly on the effort that you place into the job. Usually, you can get a lot from this job if you can earn commissions for every deal that you close. Aside from that, the good thing with this job is the choice is always yours. If you want to make this a full time employment, you can look for certain insurance companies that will hire you. If you have another job and you want to do this on your free time or to help you pay your debts and attain debt relief, you can opt for being an independent broker. Though risky, this option is way more comfortable. Eventually, you can grow your own firm if you want.

Now, if you want to get started, you cannot just apply. You need to be a licensed broker first. There are certain examinations that you need to take. Prior to the examination, there are certain requirements that you need to fulfil first. Now, if you have done all these requirements, as well as passed the exam, you can now go ahead with doing what you want.

It is also important for you to note that state requirements vary. Some have lenient requirements, but others are so tasking. You better search these requirements first if you want to get started right away. Just remember that this job requires you to have an administrative job experience even if you have a different bachelor’s degree or no degree at all. Rest assured, if you will do well on this, this job can be a very high earning job.

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Where to Find Cheap Auto Insurance

Filed Under: car insurance by Don Weststein — Comments Off
March 26, 2010

Of course, every consumer would look for a good insurance policy that will allow them to save a lot of money. In this times of great financial constraints, everyone needs a better and a cheaper option for general auto insurance.

This is why most of the companies that are selling auto insurances make sure that the coverage that they will be offering to the market is affordable and can provide them with the best financial security that they need in the future.

Some people will call a lot of companies to meet more agents and listen to their offers. After that, they will compare the rates and the benefits that they can get from the insurance policies that they are about to purchase. This is one good thing that every smart consumer should do – make comparisons before the final purchase.

However the downside of buying general auto insurance from agents is that it is such a waste of time and a hassle. This is because you need to set up for an appointment with them and spend hours listening to their presentation and offers. Making negotiations with these agents may also be very hard as well because remember that they are after the commission that they can get from the company.

Most of the consumers would say that the best place to purchase vehicle insurances is on the internet. It is hassle-free to search for insurance policies here because you don’t need to meet up with the agents and talk to them personally. You can sit in front of a computer with an internet connection and then log on to the World Wide Web. Here, you can gather auto insurance quote as many as you can for comparison.

Online, there are a number of companies that are offering very affordable auto insurance quote to their market. The quote that you will find online contains information about the coverage that you will be getting from the policy. This is why using the quotes online is the best source of information about the insurance that you will be buying. With these quotes, you can also get discounts and other interesting offers for your general auto insurance.

This makes buying auto insurance online very affordable and very convenient and not to mention very efficient in time-saving. So, when you are looking for the best insurance policy for your vehicles, you should first opt to search on the internet, get quotes, and then compare the prices and the benefits that you can avail of from the different insurance vendors online.

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