Car Insurance Rate Too Expensive? Try These And Save Much

By Chimezirim Gabriel Odimba

Would you like more affordable rates? If answered "Yes" you have to do all within your ability to discover as many ways as there are to cheaper rates. Following are a good number of tips that will help you lower your rate by up to 50% if you use them correctly...

1. Remaining without making claims will make you eligible a good discount. Several insurance companies do NOT give this without some coercion.

If your insurance carrier is one of the few who don't give this discount tell them point-blank that you'll go to another insurer. Believe it or not, every insurance company likes having people who remain claims free for this long and you shouldn't have any difficulty getting lower rates with a number of other insurers.

But more often than not a serious threat of leaving from you will be enough to make them make an exemption.

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2. If you are a senior citizen you can cut down your rate if you completed courses recommended for elderly drivers. Completing such a course will position you for discounts as high as ten percent. Discuss with your insurance agent about your provider's position on this and how to go about it.

3. Several insurance providers will give you a discount if a child on your policy is away at school and does not use the car within that time frame. If your kid is in college then you should discuss with your insurance agent about the possibility of getting this discount. But bear in mind that some insurance companies don't offer this discount.

4. All vocations are not equal -- At least as far as auto insurance is concerned. Scientists, for instance, pay a lot less than business owners. Members of certain professions make use of their cars a lot more and, as a group, have patterns that make them worse risks.

Your agent is in a good position to tell you if your profession qualifies you for certain discounts. However, the discount you'll get varies from company to company. - 21392

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Get more tips at Discount Auto Insurance and Cheap California Auto Insurance. Chimezirim Odimba helps people save on insurance.

Arizona Auto Insurance - Adequate Coverage; Lower Rates

By Chimezirim Gabriel Odimba

Do you live in Arizona? You can enjoy very low auto rates for very adequate coverage. These benefits would be under the same policy package without compromising one for the other. But then, there are a few things you need to understand about auto insurance law as obtained in Arizona....

The law stipulates that the party at fault would shoulder any damages in an auto accident. Simply put, your insurer would have to pay for all damages and injury where it is found that you are at wrong in the event of an auto accident.

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In essence, the provision of the state auto law is that it is expected that you are covered by an auto insurance policy that would at least compensate each victim of an accident to the tune of $15,000 for bodily injury up to a total of $30,000 per single auto accident where you are found to be at fault. In the same vein, your policy should also provide up to $10,000 worth of cover for damage to property. And once you have this kind of auto insurance policy in the state of Arizona, then you are deemed to have good enough insurance in the eyes of the law.

But wait a minute...what would happen if after buying this kind of policy, you are at fault in an accident that requires up to $66,000 in liability issues?

In the case that that happens, your insurance company would only bear the costs to the total tune of $40,000. she bears the costs alone. Even if the car is a write-off, he. her car all alone...and that would make us consider ways of having adequate coverage.

Sufficient coverage would protect you from losses after assessing your life pattern, assets and individual situation. Although, it should be noted that the kind of coverage that is suitable for one person is not necessarily suitable for another. The scope of your policy might change periodically to accommodate changes in lifestyle and status. At this stage, it is wise to talk to a trusted agent who would talk you through what is actually adequate for you as coverage.

If you'd like cheaper rates for adequate coverage, then apply the following tips...

1. Be careful how you drive. Good driving records make you a good prospect with insurers.

2. Get a smaller car. This would save you a lot in terms of rates.

3. Insurers give discounts to those who insure more than one car with them.

4. Don't bother with minor claims. 3 or 5 years without a single claim qualifies you for a "no claims bonus.

5. You should rather cut out comprehensive and collision coverage types if yours is an old car.

6. Make certain to install anti-theft gadgets in your car.

7. Be quite mindful of where you buy a house. This is because you might end up paying more in auto insurance over the years. This would rubbish the little savings you had on the house.

8. Get many quotes from various insurers. Going online to compare rate quotes would give you the benefits of even saving more on auto policies. - 21392

About the Author:

To start saving much more click here: Car Insurance Price Quote and Car Insurance For Teenagers. Chimezirim Odimba writes on financial matters.

Discount Vehicle Insurance -- 5 Guaranteed Tips

By Chimezirim Gabriel Odimba

There are many ways open to anyone who plans to get low cost insurance. Nevertheless, a number of them could leave you slightly compromised. I do NOT generally approve of such ways because they make nonsense of the main aim of insurance in the first place. So, I will only show you tips that will also have you adequately covered in spite of saving you much...

1. Your rates will jump through the roof if you modify your car. If you want to impress your friends with those extra special features like bigger types than the manufacturer's specification, then be prepared to pay a lot more. Any changes to your vehicle takes your rates up.

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2. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Do you know also know that homes within the same neighbor might actually fall into different risk zones according to the insurance industry's mapping?

So check with your agent before you commit to a new home. The truth is that most people don't think about this when they are about buying a home.

But think about it: If your new zip code adds up to $300 to your annual auto insurance rate, how much would that amount to at the end of your 30-year mortgage?

3. If you must quickly get something inside, turn your car off, lock up and pocket your keys. Don't leave your car unlocked and running. This simple act makes it very easy for thieves. Car thieves are known to go for easy targets. An unlocked car with the engine running? What could be easier?

4. An alternative for you is to use your parents' auto insurance policy. If you are of driving age, then your parents certainly are far above 25 years which means they are lower risk drivers.

You have to bear in mind, though, that the vehicle must be registered in their name and you must be living with them if you want to use this option. If you want to own your car, then be the big boy or girl and also own the higher rates. Sorry, you cannot have both with this option. However, you can still make massive savings by following the link at the end of this piece.

5. Drive carefully if you're truly serious about enjoying affordable car insurance rates. Please, ensure that you make it a personal principle to NOT drive if you so much as sip any alcoholic beverage.

Traffic offences that have to do with having more than the permissible level of alcohol in your blood will make you pay very high rates. Even little things like speeding tickets do add up to make you get higher rates over time. You'll do yourself a world of good if you obey all traffic laws always. - 21392

About the Author:

Get more tips at Discount Auto Insurance and Cheap California Auto Insurance. Chimezirim Odimba helps people save on insurance.

Auto Transport - Why It Is Important To Always Inspect Your Vehicle

By Tom Kearns

When considering the shipment of your vehicle, several important questions must be asked and answered in order to decide on the shipping company that is the right fit for you. Questions such as how much will it cost to get the vehicle from here to there and how much time will be involved in the transportation.

Also of prime importance is the safety of the vehicle from the beginning of its journey to the end. You want to receive the vehicle at the end in the same condition as it was in the beginning. This only happens if you take the important step of a thorough inspection of your vehicle before you hand it over to the auto shipping company. Some key points in the inspection follow.

When making your thorough inspection of the vehicle, do not do so alone. You must have a representative from the shipping company doing the inspection with you so both agree and sign off on the condition of your vehicle before it is shipped. List all damages whether inconsequential or not. You will then know at the end if any damages you see then were pre-existing or brand new. Get a signed copy of this agreement before you leave the inspection site, and take pictures!. Take lots of pictures!

The functionality of your car now should be the same as when you drive it at its destination. Check every functional aspect (turn signals, head lights, tail lights, etc.) of the vehicle with the representative and get a sign off on this too, as well as a copy of the agreement for you. Make note of any items attached to the interior that may become knocked about during the journey. Take pictures of the interior as well as the windows.

Windows are prone to damage when being shipped along with whatever else may be in the auto transporting vehicle. Check all windows and the windshield thoroughly for preexisting cracks and holes. A little crack may not have bothered you before but don't let it go unnoticed at this point. A small chip can escalate into a big crack that will definitely bother you now.

If you do find any damage on your vehicle make sure to follow these tips below:

Report any damages as soon as possible. If you find anything that is wrong with your car, truck or van, reporting it immediately will avoid any confusion as to how the damage got there. This will in turn give you a much better chance of getting it fixed.

Take pictures. These along with the pictures you took before your vehicle's journey are the best proof of evidence you can offer to the claim department of any insurance company.

If the car did suffer damages, the shipping company will normally allow you to get your own estimate from your usual auto shop and have it repaired there. If you don't have a usual auto repair place, a dealership is generally a good bet.

To ensure that there was no damage caused to your vehicle during transport, always do a thorough inspection before and after shipping. If you do find any damage make sure to report it immediately and take photos of the damage. Noting any damage sooner is always better. - 21392

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Visit JMN Logistics for more information on Auto Transport or visit the JMN Logistics information page.

Auto Transport - I've Packed My Bags, No How To Ship My Car

By Tom Kearns

One of the first questions put forth probably thousands of times a day by auto dealers, wholesalers, collectors, and just plain folks who are relocating somewhere in the country is "What is the cost to ship my vehicle? Cost is important of course when moving something as large and expensive as a motor vehicle of any type, but is it the MOST important item to consider?

Usually, a person will be dealing with brokers in the car transportation business. These brokerage firms do not operate long-haul trucks of their own. They act as agents of the trucking companies by taking an order to move a vehicle. They make an estimate of what to charge a trucking company, withhold a percentage of this fee, which they will charge you for the task of arranging shipment. They then broker out the job by posting on online load boards that are visible to car haulers that are in the business of operating trucks to move about the country. If this posted quote is too low, it will not attract any of these car hauling truck companies and your vehicle will sit waiting to be relocated for a very long time. Make sure that the price the broker is offering is reasonable enough in the industry to get your car from one place to another in a timely manner. As with so many other costs, the lowest price is not always the way to go.

Insurance coverage on the vehicle and its contents is another very important cost item to consider. Should some unforeseen accident occur that harms your vehicle while in-transit, you want it protected, just as you would any property that belongs to you. The questions to ask of importance here are what coverage does the trucker's insurance provide in case of damage or loss and also, the trucker may have brokered it out at least in part to another trucker and you will want to get a copy of that car hauler's insurance certificate as well. Always make sure, if at all possible, to have the carrier's insurance certificate list you as the certificate holder. Should some harm befall your vehicle and/or its contents, then you can file the claim yourself directly to the insurance company.

The quality and reputation of the auto transportation outfit that is handling the transport of your vehicle is also another concern of yours. You really have no idea about the company or companies that are moving your vehicle unless you are directly involved in the daily business of transporting vehicles yourself. Do some research about these companies. Talk to a car dealer who undoubtedly ships vehicles on a regular basis and find out who they use. Go online and read reviews about various companies to get as much information as you can before you start collecting bids. Go to safersys.org, a website operated by the Federal Motor Carrier Safety Association, and take a look at a company's safety profile. This site can be of invaluable assistance to you in seeking a reputable transport company.

Bottom line is you do not necessarily want the cheapest mode of transportation to bring your "baby" home to you. You want a company that takes pride in the quality and timeliness of their transportation consignments. So shop around and you won't get burned. - 21392

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For more information on Car Shipping or to get an instant online quote please visit http://www.jmnhaul.com .