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Factors That Affect Your Car Insurance Premium
Many factors affect the premium you will pay for auto insurance. Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. We have elaborated on some of the risk factors below, but there are numerous others, including driver’s gender, miles driven per year, purpose for using the vehicle (commuting to work, using for work, leisure only), etc. Factors you CANNOT easily change that affect your car insurance rates: Age Statistically, drivers under the age of 25 are at greater risk of being in an accident than those over age 25. Drivers between the ages of 50 and 65 generally have the safest records. Gender Women are statistically safer drivers. Marital Status A married person will pay less than a single person with an identical driving record. Factors you CAN change that affect your car insurance rates Geography Where you live makes a difference. Folks living in areas with little or no traffic are likely to spend less on insurance than those living in congested cities or suburbs because areas with a lot of traffic tend to see more accidents. Some neighborhoods also have a higher rate of vehicle thefts, which can result in a higher premium. Driving Violations Having an accident or moving violations on your record (speeding tickets, DWI, reckless driving, etc.) put you at a higher risk for accidents and will likely mean a higher premium. Some insurance companies will penalize you for your record for as many as five years from when the incident occurred. However, keep in mind, as your record improves, your premium will get lower. Vehicle Type El cheapo car will cost less to insure than that status symbol SUV sitting on 24″ rims baby. Accident Claims A driving record that is clean and free of accidents will hold fare better for you than lots of tickets and/or accidents. Credit Rating Many insurance companies view having a poor, or even no credit history as suggestive of higher risk and thus, charge you a higher premium. Occupation Insurers have statistically found a correlation between your occupation and risk. For instance, a newspaper delivery person is most likely a higher risk than the personal banker sitting at their desk all day. Other factors that help determine premiums: . Driving distance to work . Miles driven each year . Years of driving experience . Business use of the vehicle . Whether or not you currently have auto insurance . Theft protection devices (often results in discounts) . Multiple cars and drivers (another opportunity for discounts) What can I do right now to make sure I have the lowest premium? Shop around and compare quotes from different insurers. They base their premiums on their claims experiences, which naturally differ. One company may see your area as a higher risk than others may. Another may charge more because of your occupation. Shopping at http://www.insurancehelp101.com makes it easier because you can quickly see multiple companies and their rates for your particular situation.

Been in the Insurance business for over 10 years.

Online Car Insurance Advice
Stop wasting money and cut your car insurance bills in half! There’s no reason why you shouldn’t consider purchasing online car insurance. Buying online car insurance is extremely easy and very convenient. It’s an extremely fast process and only requires filling out a simple form. Everyone knows that shopping around is the only way to find a good deal and save money. What’s the fastest way to shop? Well, you can look through the phone book and dial phone numbers only to get an automated message or you can use the internet to multiply your efforts. Buying online car insurance has literally no drawbacks. All you need is a computer with an Internet connection. After you have found a quote that you like, purchasing online car insurance allows you to accept the quote right then and there or save your information and come back later. I would recommend using as many web sites as possible to make sure you find the lowest premiums. There’s plenty of online car insurance providers out there and the more time you put into it the better the outcome.

Online Car Insurance Features:

• Save Time: One of the many great features of shopping for online car insurance is the ability to start your insurance application, save it, and finish later if you get pressed for time.
• Privacy: Privacy while shopping for online car insurance is taken very seriously. Any information you provide is kept secure with encryption technology.
• Your credit score won’t be affected by applying for online car insurance.

Here are some great ways to reducing premiums:

• You can combine you and your partner’s insurance if married.
• You can install anti theft devices in your vehicles.
• You can take advanced driving courses that enhance your driving skills.
• Paying annually for your policy as apposed to monthly. Check for insurance companies that offer discounts for being affiliated with particular organizations or companies. Example: Some credit card companies offer discounts on auto insurance.
• Insuring all your vehicles, home and valuables with the same company may earn you a loyalty discount.
• You can save around 15 to 30 percent by increasing your deductible! What are the odds of you getting in an accident? Just put your deductible away in a savings account and save it for that rainy day.
• Drop collision and comprehensive and just stick with liability. Especially if you have an old car because the value of your car won’t add up to all those previous payments you’ve been making.
• Maintain good credit

Things to remember when shopping for online car insurance:

• Make sure that they can actually provide an insurance quote for the state you currently reside in.
• Always double check the information you provide on the insurance application. All it takes is the smallest error to affect your rates.
• Make sure the insurance company is reputable. Future claims are only honorable if your company still exists.
• You’re never under any obligation to accept any insurance quote provide.

So what are you waiting for? Fill out some forms and save some money. Good luck, live well, and prosper!

Jon B loves to write if his words benefit others in a positive way. <a href="www.tamtamsreviews.com">Are you ready to get a free online car insurance quote?</a>I've collected a hand full of recommended online car insurance companies and posted them on this page for your convenience.

New drivers versus auto insurance
New drivers versus auto insurance

Every year thousands of new drivers head onto the open roads increasing the number of potential accidents. According to the National Center for Statistics and Analysis (NCSA), in 2005 there were an estimated 31,884 people killed in total passenger vehicle accidents. Close to 14% percent of these car accidents were caused by young and newly licensed drivers between the ages of 16-19 years. As a result of these overwhelming statistics, auto insurance rates have risen significantly with the onus on parents to pay the exuberant premiums.

Young drivers feel as though they are the target of a car insurance conspiracy in wondering why all novice drivers aren t being target regardless of age or gender. When countries world-wide passed legislation for new drivers, known as Graduated Licensing a system designed to phase in young beginners to full driving privileges as they become more mature and develop their driving skills. Astounding statistics revealed in the United States alone, young people made up the vast majority of beginning drivers and revealed that 16 year olds had the highest number of accidents, approximately 26%.

Driver education programs can reduce auto insurance rates

What factors into this equation is maturity and lack of on road experience. Driver education schools aid in not only practical experience, but further educate their students on behind the wheel safety procedures. As part of the ongoing education, parents should also continue to reinforce the dangers and hazards of the road and continually monitor their child s driving practices to secure a clean driving record. Enrolling your child in a driver education program also helps reduce car insurance rates since they are deemed as top authorities in driver safety.

So how can you get cheaper car insurance rates? Firstly, parents should go online and get as many auto insurance quotes, at least four since auto insurance rates vary from company to company, as well as from state to state. Here are some helpful tips in trying to find cheaper auto insurance for your child and some important factors you should keep in mind:

What new drivers should know about car insurance

When you are adding a new driver to your existing car insurance police, typically you will see an increase in your rate, this is due to the fact new drivers need to be listed as a primary driver on one of your family vehicles in order to acquire an insurance rating. When shopping around for cheaper auto insurance whether in person or getting an insurance quote online, pose the question, what happens as the child gets older and maintains a clean driving record, will his/her premiums go down? Depending on age bracket, gender and driving history, this will in fact affect auto insurance rates.

As previously mentioned parents should inquire if their child does qualify for any type of insurance discount, again this depends on legislating factors that govern insurance companies in different states. If your child has successfully passed and was granted a certificate at a recognized driving school, they may qualify for a good student discount .

If you are buying a new vehicle, you may want to consider which vehicles get the lowest rates. Also, be sure to contact your agent or broker to add the new vehicle to your policy.

You may want to consider additional personal liability protection. If you or your child accidentally injuries someone or destroys their property in the event of an accident, there is a chance you may be sued for damages. In the event a judge awards the plaintiff more money than what your insurance policy provides and exceeds the monetary limits, this could prove to be a financial catastrophe. The additional liability can supplement your present policy and with a new driver in the home, this should definitely be given top consideration when inquiring about car insurance.

Written on behalf of http://www.insurancequote4you.com your premium source for finding the best online auto insurance rates.

Shelley Murphy of <a href="http://www.trendmx.com">http://www.trendmx.com</a> brings with her over 10 years of Search Engine Optimization and e-marketing strategies to web based businesses. Holding two BA s in English and Journalism Communications her writing skills have been a great asset for both onsite writing and monthly newsletters publications.

PAYMENT PROTECTION INSURANCE Posted By : munish
A fresh rip off scandal hits the UK Financial Services Industry.

The Real Cost Of Motor Vehicle Theft
Ever had a car stolen? Did you collapse, broken-hearted, on the floor when told that its burnt-out chassis had been found at the bottom of a dry creek bed and was now home to a family of very large rats? The stereo was gone, the seats were gone, the woofers, gone. And the fluffy dice ? they even took the dice!

No more ?DOOF-DOOF?, no more dice
No more back seat paradise?

I know ? you were much younger then?.

The negative impact caused by car theft spares no one. Its effects are felt right across the community. For example, an increase in motor vehicle thefts means an increase in motor vehicle insurance claims and this ultimately leads to a rise in motor vehicle insurance premiums.

But it doesn?t stop there. Even those who don?t own a vehicle end up bearing the cost of motor vehicle thefts indirectly as taxi fares, bus fares, even school excursions become more expensive. And if you believe you?ve been excluded from these increased costs because you walk or cycle everywhere, think again.

Higher motor vehicle insurance premiums mean higher transport running costs, which lead to higher freight charges, and this translates to higher prices on the supermarket shelves.

And let?s not forget the individual. The poor motorist who has had his car stolen must now cop a reduction in his No Claim Bonus as well as pay a hefty excess. If he relies on his vehicle for work there is also the alarming prospect of a temporary loss of income.

So what can be done to combat these heinous crimes?

Many new cars these days have built-in anti-theft devices such as car alarms, engine demobilisers and wheel nut locks. Even so, there are several things car owners can do to prevent the their vehicles being stolen.

? If your car doesn?t come with an anti-theft device, buy one.

? When parking on the street at night, always choose a well-lit area.

? That anti-theft device that you bought?use it!

? Never leave items that may be tempting to a thief in plain sight. These may include department store shopping bags, mobile phones, wallets, gifts or other valuables. If such things absolutely must be left in the vehicle, hide them away in the glove box, boot or even under the seats.

? This may sound obvious but keys should never be left in the ignition. Many a car has been stolen from right under its owner?s nose simply because the key was left in it. Even if you?re just popping in to pay for the petrol you just pumped, take out the key. Theft of your vehicle will take less than ten seconds with the key already in the ignition.

? If you have a garage, put your car in it instead of the pool table. And, having done that, don?t forget to lock it.

? If you don?t have a garage, park in the driveway instead of the street. (If you don?t have either? have you considered a pushbike?)

? When leaving the vehicle unattended at home, take your car keys with you.

? If leaving the car with a mechanic for maintenance or repairs, only leave the ignition key with the car.

? Never leave spare keys in or on the vehicle.

? Don?t leave important papers such as registration, license or mail in the vehicle while unattended.

If, even after being as careful as possible, your vehicle is stolen, report the theft immediately to the police. They will take details of the vehicle, where it was parked and for how long, as well as information about any items that may have been inside it at the time.

You will then need to make a claim through your insurance company ?assuming you have comprehensive motor vehicle insurance, of course ? as soon as possible. These days many insurance companies allow you to report the claim online as well as in person or over the phone. The important thing is to do so promptly, giving as much detail as is available so as to help streamline the process.

Once the claim is reported, a claims officer will most likely contact you within a day or two to confirm the information. If accepted, it may then take up to a further six weeks to pay the claim if the vehicle is not recovered. If it is found within that time, the vehicle will be assessed as to whether it can be repaired and, if so, at what cost. If the repair costs would be more than the vehicle is worth, it will be deemed a total loss and the claim paid for the insured value less any excess.

Any way you look at it, motor vehicle theft is a crime that causes loss and anxiety in several different ways. The best we can do is take as many steps as we can to prevent it and support car manufacturers that provide security devices in their cars.

As for the car thieves?placing them in stocks and throwing rotten tomatoes at them springs to mind?

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