Why You Want International Auto Insurance Plus Where To Get It

By Nigel Vazquez

For some of us traveling and experiencing different cultures is a way of life. For some being able to stay for an extended amount of time in the place they are visiting so as to truly experience it is very important too. And realistically we all know that you can't really experience a country from a two week package tour.

However for people interested in this kind of travelling the question of transport will undoubtedly come up. So renting or purchasing a vehicle it probably going to be a must and so will be international auto insurance.

Most Americans with auto insurance will find that they are not insured outside of the US, for this reason it is essential that one contact their insurer in order to verify whether their actual policy does or does not cover them abroad.

One company that offers international auto insurance is Geico. Geico started out as an insurance company that insured government employees including the people in the military. Since 1954 Geico has also insured people from America in over two hundred countries around the world.

They have done this through a subsidiary company called International Insurance Underwriters. What they do is find where someone is going to be living and then find a local insurance company that is licensed in that country.

International auto insurance is made easier when people deal with Geico. Geico now sells insurance to everyone in the US and not only government employees. They are very customer friendly and competitively priced.

More International Auto Insurance Companies

AIG is one more big name in the international auto insurance game. Like Geico AIG also runs all of their international auto insurance through a subsidiary, in this case by the name of American International underwriters.

They do this in order to get the most protection available in any other country. For those people who now live full time in the country they have visited, AIG now has a service for them too. People can call AIG to find out more information.

Many smaller insurance companies across the US also offer an international auto insurance option however most of them cannot backup their service with the same kind of history that Geico and AIG can. This doesn't mean necessarily that they are bad, but it could be more risky going with them.

Both AIG and Geico are fairly similar on price, features and overall service. Naturally though one should still get quotes from both companies as there are bound to be little differences in each that may make a difference to you.

Naturally when it comes to international auto insurance your number one goal must be to be 100% sure that you will be covered in the country you will be staying in. This is why it pays to work with a company that has a long and positive history in the international auto insurance sector. - 21392

About the Author:

Once you've looked at International Auto Insurance you can additionally take a look at our new write up about Washington Auto Insurance Quotes.

The Secrets To Getting The Finest Deal On A New Or Used Car

By George Hutton

Many people are terrified of buying a car. They imagine some horrible scenario where they are somehow talked or tricked into buying a car that they don't really want, and will be stuck paying for it for years to come. In light of certain financial events in the world economy, it pays to know exactly what you are getting involved in when making a big purchase like an automobile.

It helps to understand that car salesman aren't evil creatures out to steal our social security check. They are working folks just like you and me, who likely have a family depending on them to provide food and shelter. Just knowing a few things about how they operate can help.

The first thing you need to understand is that no dealer ever expects you to pay sticker price. Most cars are sold for at least ten percent less than sticker. Another thing to beware of is so called "invoice" price. Even if you pay below the invoice, the dealership, and the salesperson is still making money. There is something added into the price, or the "invoice" that is called holdback, which means the invoice really isn't the invoice.

Another thing to understand is the value of your trade in. Many people search online, usually Kelly Blue Book, to get an idea of how much their car is worth. This is considered the "private" market. One person buying a car from somebody else. But when dealers evaluate the value of your trade, they check it against the "wholesale market" or what dealers are paying each other for used cars. They figure once they pay this price, then they'll need to do some work on the car, before they can sell it for a profit.

Financing is another concern. If you can, get pre-approved at your own bank before heading off to the dealer. While some dealers are offering fantastic deals on financing these days, it never hurts to shop around for the best car loan. When you have a solid idea of what payments you'd be comfortable with beforehand, it makes it much easier.

When you understand the price you'll be paying, and the real value of your trade in, you'll have a much better, and usually much quicker experience buying a car. When you let the salesperson know all of this information up front, the sale will go even quicker. - 21392

About the Author:

If you wish for to discover the most persuasive Sales and Hypnosis Methods, have a look at George Hutton's NLP Sales Persuasion page.

Car Insurance Coverages - What Are They?

By Rachel Burgess

When it comes to auto insurance, many people are easily confused by the different types of coverage available. To help you understand these coverage types better, they are listed below with definitions and explanations for your benefit.

Liability Cover - Liability coverage is the minimum auto insurance covered required by law in most states. It is intended to cover the victims of an auto accident that is deemed to have been caused by you. Your own bodily injuries or property damage is not usually covered by liability insurance.

Comprehensive Coverage - Comprehensive cover requires your auto insurance company to pay for damage to your car caused by something other than an auto accident such as fire, theft or vandalism. This sort of coverage is subject to a deductible. If you decide upon a $100 deductible, then you pay the first $100 and the company pays the rest up to the policy limit. Sometime this cover is combined with collision protection that covers you for damages sustained in a car accident.

Collision Coverage - With collision coverage, your auto insurance company pays for damage to your car if it is involved in a collision with another vehicle or with a stationery object, no matter who is at fault.

Uninsured/Underinsured Cover - Uninsured motorist cover is available for protection if you are involved in a traffic accident with a driver who is either uninsured or underinsured.

GAP Coverage - We all know that there is a sharp decline in the value of a car immediately after purchase. This means that any loan you took out to finance the purchase of the vehicle could be many thousands of dollars greater than the amount your auto insurance company would pay out if your car was stolen or became a total loss following an accident. Gap cover or loan/lease cover as it is also known is intended to bridge that gap in valuation and the amount you owe on the loan.

Personal Injury Protection (No Fault). This form of cover is only required in "no-fault" states but is optional in others and covers injuries to yourself and others in your vehicle regardless of fault.

Pay-Per-Mile - A fairly new type of coverage is Pay-Per-Mile. It is so new that it is currently available only in a few states. Basically you pay auto insurance based on the usage of your car. The less you drive, the less you pay. The downside is that in order to benefit, you have to allow your auto insurance company to put some form of tracking device in your car.

Auto insurance policies are usually a combination of coverages. For example comprehensive and collision cover are quite often combined under the title "full coverage". Whatever the terminology, it is always best to seek further advice before purchasing your policy. - 21392

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Local Gas Prices Might Make You Want A Hybrid

By Bill C. Sheers

Seriously, do you remember what you did the first time you drove by the gas station and saw that it said $4 for a gallon of gas? I know I started to search for the closest public transportation. But really, it did make me think about fuel for the first time in my life.

Pain at the pump has made people look into hybrids and alternative fuel vehicles in record numbers. But, you really don't have to run out and buy a new car. There are some things you can do with the car you already have to improve gas mileage.

#1 Change your air filter on a regular bases -- Your car has an internal combustion engine. That means the fuel mixed with air is what makes the engine work. If your air filter is clogged up you could be losing up to 10% of your fuel efficiency. Change the air filter a couple times a year. It is actually very easy and very inexpensive. It is seriously something you can do yourself, usually for under $10.

#2 If you drive like you are suppose to, you will save -- Most of us hit the gas pedal too hard and ride the gas pedal too much. These are both kills as far as efficient driving goes. Take it easy on both and see your mileage increase 5-10%.

#3 The best gas mileage is related to lower speeds -- Use your cruise control if you have one. The more consistent you keep your speed, the better mileage you will get. It may not be fun, but it will keep money in your wallet.

#4 See your mechanic twice a year -- Your car will flat out last longer if you get the scheduled services. Not only that, it will be as fuel efficient as it possible can, so do yourself a favor and see your local mechanic a couple of times a year. I can hear you groaning now.

#5 Turn off the Air Conditioner -- While many newer cars have air conditioners that will recycle airs automatically through the cabins when it reaches a certain temperature, older vehicles will just continue pumping it out, wasting energy and fuel. If you can do with out it, do with out it.

Pick a few and implement them, and you will save money. Every little bit counts. - 21392

About the Author:

Here is more free info about the best gas mileage cars and other car rumors like all these run car on water sites you find out there.

How to Insure Your Classic Car

By Graham McKenzie

A classic car is big investment. Every classic car aficionado needs to protect that investment with adequate insurance coverage. The coverage you need for your classic car depends on how you will use the car.

There are three types of car insurance. Actual cash value is the most common type of car insurance. It pays out the depreciated book value of the car. Stated value allows the car's owner to state a value for the vehicle that is greater than the actual cash value. Agree value guarantees the car's owners will get all of their money back in the event that the car is a total loss.

These types of insurance are offered through a standard insurance provider. The owner of a classic car should also consider a classic car insurance policy. These policies can be cheaper and less restrictive than a standard car insurance policy. Some classic car insurance policies require the driver to be 25 years or older. Some programs even require the driver be at least 30 years old. Classic car insurance programs could also limit the amount of driving you do to 2,500 miles or less a year. Annual odometer readings could also be required. The insurance provider will give you specific information on what requirements need to be met in order to insure your classic car.

Whether you choose a standard car insurance policy or a classic car insurance policy, make sure you find an insurance policy with flexible usage guidelines. You want to make sure the car insurance policy is flexible enough to meet your needs while providing adequate coverage to protect your investment. Many insurance providers offer mileage programs for classic cars, which tend to be driven less than other vehicles. Some programs will allow the driver to drop down their premium if they only drive the classic car a certain number of months a year. This is an option to consider if you keep the classic car in storage for part of the year.

When it's time to choose a car insurance provider, do your research. Make sure you find a car insurance provider with the knowledge and experience in insuring classic cars. You want to make sure your car insurance provider knows how to properly protect your classic car investment without taking advantage of you. Research both standard insurance providers and classic car insurance providers. Shop around and get more than one insurance quote. Compare quotes and see which provider offers you the best deal. Just make sure the policy offered meets your needs. You don't want to accept an insurance provider's offer because the price can't be beat, only to discover later that the insurance coverage is not what you need for your classic car and driving situation.

Whichever kind of policy works best for you, be sure you use a licensed and experienced insurance agent. Licensed agents can look at your situation and offer you the exact coverage you need to enjoy your classic car worry-free. - 21392

About the Author:

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.