Online car loans can give you the best rates of interest

There are many ways of financing when it comes to buying a new or used car but the best option for getting the cheapest rates of interest along with the best deal is to go with a car loan specialist website. A specialist website will search around and do the hard work on your behalf after taking some information from you and then deliver the best car loans for your circumstances.

If you want the cheapest rates of interest and be able to take advantage of any special deals then you have to have an excellent credit rating. Your credit rating is the first thing that all lenders will look at and if yours is anything but perfect then it will have an affect on the amount of interest you will pay. The lowest rate of interest is a reward for those who have no blemish on their credit rating and these people can benefit from being able to take advantage of bonus deals. However there are millions of people who have less than a perfect credit rating for various reasons and while these individuals will not be lucky enough to have the luxury of the lowest rates of interest, they can still get a good deal.

A specialist website will help anyone regardless of their credit rating to obtain the best rates of interest and best deal possible. They will use their experience to search the entire UK online car loans market on your behalf and offer them to you so you are able to choose the best for your circumstances. When comparing any online car loans it is essential to not just look for the very cheapest rates of interest, you also need to compare the key facts that should come attached to the loan because this is where you will find the total cost of the loan. These facts will tell you how much you will have to repay monthly, how much interest is added onto the loan and any addition costs attached such as early repayment fees.

While the APR might look like it is the cheapest outright, if this has been quoted on weekly terms it could be mis-leading, also if there are any additional costs this will boost up the repayments, so checking the key facts for the full picture is essential.

When going to a specialist website to get them to find the cheapest quotes it is essential that you have done your homework beforehand.

You should fix a budget in mind as to how much you can afford to borrow for a car, this includes the monthly amount and the total with the interest added. A car loan can be secured on your property if you are borrowing a larger amount of money and this can keep the interest rate down but your home will be at risk. The unsecured will come with a slightly higher rate of interest but you do not need security, whichever type of loan is most suitable a specialist will always be able to get the cheapest rates of interest for online car loans.

MotorCarLoans offers a free to use and independent service for car loans and car finance. We also provide car insurance as well as other car-related products such as Breakdown Cover, Car Warranty, as well as useful Articles and Guides.

More about → Online car loans can give you the best rates of interest

Car Insurance Myths

Learning about insurance coverage can be confusing, even with the most comprehensive information and the most detailed accounts of policies. Regardless of how much information is out there, the bigger concern is how much misinformation exists regarding car insurance. As the result of this misinformation, there is a detailed mythology involving car insurance that may cause some potential consumers reservation when it comes to applying for appropriate coverage.

Colour Matters

One myth, believe it or not, is that the colour of the vehicle makes a different when applying for insurance coverage. A lot of people believe that coverage for the make, model, and especially the colour of the vehicle can make a difference in the overall quality and amount of coverage given. This is a myth, as it doesn't matter what colour your car is. The coverage will be the same.

Parking Ticket Problems

Some people believe that getting a parking ticket can influence insurance rates. Surely if this were the case, we'd all be facing skyrocketing rates on a regular basis. Car insurance rates are not affected by parking tickets or other similar situations. These tickets by themselves do not count against any insurance record, but not paying tickets can impact your ability to renew your driver's license which could, in turn, affect your overall rate. The lesson learned here is clear: pay your parking tickets!

Speeding

Speeding is a serious problem that can impact your driving record, but a single speeding ticket will likely not impact your insurance rates. Of course, if your single speeding ticket involves driving at a reckless speed several dozen miles over the limit, you can bet that your rates will be impacted. One or two minor convictions for speeding likely won't have a say in your rates, but accumulate a few more of those and you can rest assured that you'll be paying more when it comes time to renew your policy.

It's Not My Fault!

One myth about accidents is that you don't have to pay deductible if the police assert that an accident is not your fault. This is not necessarily the case. The police may not have deemed you criminally responsible as a driver in the accident, but it is your insurance company that holds the key as to whether or not you'll be paying. If the insurance company investigates the accident and discovers that it wasn't your fault, you're in the clear and they will waive your deductible. If their findings differ, however, you'll be paying.

Cheap is Best

Many people think that insuring cheaper cars is more affordable than insuring more expensive, luxury cars. This is not the case. The premium paid for automobile insurance is based on a combination of factors, including the original price of the car, any repair costs, theft frequency, and any claims history on the vehicle. If you're older, cheaper car has a history of repairs and problems with other claims, it will likely not be cheap to insure. If a newer, luxury car lacks any history of repairs and has no claim history, it may be less expensive than your older car. Every rate is different.

Find the best deal on the auto insurance coverage you need. Visit us today for money-saving tips and receive free quotes for cheap car insurance for women from respected insurance companies.

More about → Car Insurance Myths

How To Find The Cheapest Car Insurance Companies

In September, one of the UK's largest car insurers announced that they expect car insurance premiums to rise 10-20% in the next twelve months. There are many reasons for the rise - The Motley Fool blames the floods, for instance, while Admiral Insurance says that the rise is due to the fact that premiums have been kept artificially low for the past several years. The news has many UK drivers seeking cheaper car insurance premiums than they are currently paying.

You'd think that finding the cheapest car insurance company would be a simple matter, but there's more to it than just checking the prices at all the companies and telling you "X Insurance Company will insure your car for less". The fact is that auto insurers include far too many variables when devising their quotes for any responsible advisor to tell you point blank that any one company is the "cheapest" insurance company in the UK. We can, however, tell you how to find the best car insurance option for your particular situation. Here are some tips to help you find the most economical auto cover.

- Search online for the best and cheapest cover.

Online insurance search sites allow you to solicit quotes from many different insurers using the same information. Checking price comparison sites will give you a baseline for comparison, but it's important to look beyond the comparison sites. Be aware that many insurers are not represented on most comparison sites, so you may be missing out on cheaper rates if you only look online.

- Look to non-traditional and newer insurers for the best prices.

In a recent experiment, one of the bigger comparison sites searched 33 insurers using a variety of risk profiles. The results? Newer insurers and companies not best known for offering car insurance consistently came out among the cheapest premiums, with Marks & Spencer coming out at the top of the list of cheapest insurers consistently. However, they cautioned, with all the variables that are used by car insurance companies, your results may be different.

- Be sure to take your safety discount and any loyalty discounts you have with your current insurer into account when comparing premium quotes.Many insurers offer perks for staying with them, especially if you're considering switching companies. Be sure to count decreases in excess and safe driver discounts when you're considering the costs of changing car insurance companies.

- Don't be afraid to bargain. When you submit your information to several auto insurance companies for a quote, you'll be armed with the ammunition you need to get the best deal possible. If you're satisfied with your current insurer, but have got a lower quote elsewhere, you might find they're happy to offer you a lower rate to keep your business. Ring them up and let them know that you love their service, but you've been quoted a lower premium by another company and ask if they can match it. Be specific. You might be surprised to find how much they value your business. And if they don't - you've got that lower quote, don't you?

Read more articles and tips to help you find the cheapest UK car insurance at UK Insurance Index.

More about → How To Find The Cheapest Car Insurance Companies

Car Insurance UK: Getting Secured Was Never As Easy

Men forever have been consumed by the idea of making their life as comfortable as it can possibly get. It is this desire that fuels the passion for inventions and discoveries. No matter what they get they are never satisfied, which is the reason why so many superior quality stuff have seeped in the market. One product that has attracted people from very beginning is cars, a glorious machine that not only makes life easier but which also is a status symbol. No wonder then that the craze for better and swankier cars never ends. But every good thing has some evil attached to it. Don't roses also have thorns? Similarly, cars, of any type, are always expensive; so much so that a man with average income simply cannot afford to purchase them. And, should you face an accident, the amount that you would have to spend on the repair can very well send you into shock again. Particularly in UK, the cost of the car repair is pretty high. It is here that car insurance UK prove its relevance and ensures that one is rescued from the shock by arranging for the repair of their dream machine.

Had it not been for car insurance UK, one would be forced to spend on two fronts: on repaying loans and on the repair of the car. This, it can easily be said, can simply derail the budget of any middle class household. Thanks to car insurance UK, such a thing is taken care of. However, people would do well to remain alert to certain points before signing the policy.

First of all, one must ensure that the policy of car insurance UK comes to life as soon as it is signed. Then one must also ensure that the car is priced fairly. One must also make certain that everything that has been put into contract is right. One must also make a point of not giving any wrong information to the insurance company, as it can lead to the scraping of the policy.

These would ensure that the whole exercise of collecting the insurance amount for the damage of the car would be very smooth. These steps would make sure that Car Insurance UK would be able to do the work for which it has come into existence.

Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in Home Insurance UK and in guiding you on its various details.

More about → Car Insurance UK: Getting Secured Was Never As Easy

Car Insurance: factors that affect your premium

Making sure that you have the correct car insurance can be a complex business because you are asked all kinds of questions and don't always know whether your answers are 'good' or 'bad'. Of course, honesty is the best policy, but it is reassuring to know what factors you will actually be judged on and whether you can do anything to improve your chances of a good quote.

Insurers may of course differ slightly in their views, based on which statistics they consult, but there are at least some guidelines. It is generally agreed that young men are the highest risk group for insurers. It doesn't take a flight of fancy to work out why - all you need to do is look around on a Friday night and spot all the young men driving too fast and showing off. Young women, in contrast, do not usually drive as far or, more controversially, as recklessly. That is why it is usually cheaper to get insurance if you are under 25 and a woman, rather than under 25 and a man. This may seem unfair if you are a sensible, young male driver, but there you are - statistics are not on your side. Young men - and women - can reduce their car insurance by taking an advanced driving course.

Older women continue to be offered 'a better deal' by certain insurance companies that target women. However, there is considerable debate about whether these quotes are better value for money than unisex rates. Is it just a triumph of marketing or a genuinely good deal based on statistics? As more women take up driving and cover greater distances for work, it seems likely that trends will change and women will no longer be considered 'safer drivers'.

Where you live also makes a difference - even if you don't think your 'new' area is any more or less safe than your last. Some areas simply have a higher rate of vehicle thefts, and in some cases, your premium may actually rise because it is a 'nicer' area. This is because the total value of crime in the area might be higher - because there are quality goods to vandalise/steal. If you are considering moving, it is worth checking how this will affect your car insurance People living in rural areas generally pay less than people living in congested cities.

A cheaper car predictably costs less to insure than a status symbol motor. It is a little mean to suggest that you shouldn't buy the car of your dreams, but if you do, at least consider whether you can lock it up safely in a garage at night - with an anti-theft device attached. These precautions will help to offset the higher cost of the premium.

Understanding factors that affect your car insurance is a good way to work towards a cheaper quote, so it's not so complex after all.

Elisha Burberry is an online, freelance journalist and keen traveller and watersports enthusiast. Originally from Scotland, she now resides in London.

More about → Car Insurance: factors that affect your premium

Cheap Car Insurance : A Cost-Effective Protection

People in all ages have aspired to lead a comfortable life. A life with some luxuries. A feeling which always existed but fulfilling which was not always easy. Modern times, however, has changed all that. People now can spend on luxury items. Talking about luxury items, one item that must be included in the list is car. A feat people found it difficult to achieve earlier but thanks to several financial services getting a loan for purchasing a car is very easy now a days. What makes this offer even more attractive is the fact that the rate of interest is slashed considerably making it truly a friendly offer.

However, if after purchasing a car one thinks that one's trouble is over then one is sadly mistaken, for one has to now turn his attention towards protecting it. It is important, for repairing a car is very expensive and if one has not thought about it then one would end up paying exorbitant amount for the purpose. Car damage is a very viable threat simply because the rate of accidents are on constant rise. Even statistics attest this fact. The rate of accidents in UK in the last ten years have increased manifold. Cars are the biggest casualty and many times the damage inflicted is huge. It is here that car insurance comes into play and ensures that one is spared from the pains of arranging money for the repair of the car. Not only this the amount charge for this purpose is also so meager that it would only be right to term car insurance as cheap car insurance.

However, to gain from cheap car insurance one would do well to take care of a few things. First of all one must ensure that the policy comes to life as soon as it is signed, one must also see that what are the types of accidents that the car is protected from. Apart from it one must also see to it that no wrong information is provided to the insurance company as well as the fact that there is no default on monthly premiums.

If efforts like these are taken then one can be rest assured that cheap car insurance would go a long way in helping people out in the hour of crisis.

Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in cheap car insurance and in guiding you on its various details.

More about → Cheap Car Insurance : A Cost-Effective Protection

Car Insurance: reducing the cost

Getting the correct car insurance without compromising on quality is important â€" if you do need to make a claim then you want to be able to rely on a reputable company, which will effectively deal with your stressful situation.

Many new cars already have an anti-theft device, but if your car is older or not fitted with one then it makes sense to purchase a device now and make a year-on-year saving on your car insurance. Also, such devices are designed to deter thieves so you will ensure that your car is a less likely target for theft or vandalism. Either an alarm or immobiliser that functions automatically or starts by the touch of a button will do the job.

To be even safer, try and make sure that your car is parked in a drive or a private car park. Better still, and if you can, lock it up in a garage. If your car is safely under lock and key at night you drastically reduce the chance of it being damaged and therefore increase your chance of getting cheaper car insurance. Cars that are parked outside on public roads are most at risk of being vandalised or stolen. It is frustratingly common to have your wing mirror knocked off, even if you do not claim for this; it is much more frustrating to watch from an upper window as thieves take your car for a joy ride and smash it up. However, insurers work on cold facts, not frustration. If a car is statistically more ‘at risk’ â€" particularly if your area has a high incidence of high-value crime â€" then your premium will reflect this.

Other ways to make sure that you get the correct car insurance include investigating multiple car discounts. You might get a better deal for insuring two cars than you might think â€" simply ask your insurer. Equally, if your insurer offers other policies you might wish to take a few if a discount (as well as a good service) is offered.

Another issue to think about is whether you really need to modify your car. Although ‘go faster’ additions may look and sound cool, they will probably increase the price of your car insurance. Be sure, too, to declare any aesthetic changes you might make as in the event of a claim, you might find your policy is invalid if you haven't made your insurance company aware of them.

Paul McIndoe is an online, freelance journalist and keen hillwalker. He lives in Edinburgh with his two dogs.

More about → Car Insurance: reducing the cost

How to Get Cheap Car Insurance Quote Comparisons Online

Looking to compare car insurance quotes? Here's how to get cheap car insurance quote comparisons online with top companies.

How to Get the Cheapest Car Insurance Quote

It's a sad fact that millions of Americans don't take the time to comparison shop for auto insurance and are paying hundreds of dollars more than they should. All it takes is a few minutes of your time to save big bucks on your insurance.

Getting a cheap rate on your car insurance consists of: 1. Comparing quotes from different auto insurance companies. 2. Getting the highest deductible you can afford. 3. Getting all the discounts you're eligible for.

Where can I get car insurance quote comparison quotes online?

You have two choices when it comes to comparing auto insurance quotes online. You can visit individual insurance company websites to get your quotes, or you can go to an insurance comparison website to get your quotes.

The advantages of using an insurance comparison site over a company site are:

* You can get quotes from a number of insurance companies in one place so you won't have to spend hours of your time going from site to site.

* You only have to fill out one simple form get quotes from different insurance companies instead of having to fill out a form for each company.

* The best sites have an insurance expert on call so you can get unbiased answers to you insurance questions instead of a sales pitch. (See link below.)

How can I get the cheapest car insurance rate?

First, you need to get the highest deductible you can afford. Increasing your deductible (the amount of money you pay toward an auto insurance claim before your insurer will pay), can save you hundreds of dollars a year on your premium. For instance, increasing it from $250 to $1,000 can cut your premium by 30 to 50 percent.

Next, you need to get all the discounts that you're eligible to receive. Some of these discounts include:

* A discount for having a car alarm or other anti-theft device installed in your car.

* A discount for having safety features on your car such as anti-lock brakes and air bags.

* A discount for driving less than the average number of miles.

* A discount for having taken a driver's education course.

* A discount for maintaining a clean driving record.

Ask the insurance representative with the company you choose to tell you about all the discounts you're eligible for and include them in your insurance policy.

Where can I get cheapest car insurance quote comparisons online?

Visit http://www.LowerRateQuotes.com or click on the following link to get car insurance quote comparisons online from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on how to get car insurance quote comparisons online.

More about → How to Get Cheap Car Insurance Quote Comparisons Online

Tips On Buying Car Insurance With Bad Credit

If you have bad credit, you may be finding that getting a good deal on your car insurance is not an overly easy task. In the world today, more and more people are finding themselves in serious financial trouble and bad credit is dramatically on the increase. It is restricting people’s lives and it often causes them to get into deeper financial trouble, as the cost of things such as their car insurance goes up.

Finding Good Car Insurance Deals With Bad Credit

While it may be slightly more difficult finding a good deal on your car insurance when you have bad credit, it is certainly not impossible. There are some companies that deal specifically with people who have a bad credit history and they offer special deals to suit your needs. Even if you cannot find a good deal, there are also other ways in which you can improve your situation to get a good deal.

Some of the main things that you can do to purchase good deal car insurance with bad credit include:

- Improve your credit rating - Compare different companies - Take out a bad credit loan - Purchase a cheaper car - Don’t accept any extras on a loan - Make sure you have a full time job

All of the above will really help you to get a good deal on your car insurance. The main thing that you should aim to do ideally would be to improve your credit rating. Paying off most of the debt that you have will help to improve your rating and insurance companies will be more willing to give you a better deal. You could also apply for a credit card that you could use specifically to get your credit rating up. By making small purchases and paying off the full balance at the end of the month, you will help to improve your rating. Just remember not to use the card for anything else.

Most people with bad credit have to rely on another loan to help them to purchase their car insurance. Now, while there is nothing wrong with this if you can comfortably afford the repayments, you should be extremely careful where you get the loan and what you use it for. For example, many people use the loan to get a new car before they get their car insurance. This can be a big mistake as you need to know what the insurance will be on the car that you choose. Different cars attract different insurance rates and so if you do have bad credit, it would be advisable to choose a car that has as low an insurance rate as possible.

Car insurance can be expensive and it is unfortunately something that every driver needs. The main tip for you to follow is to purchase a car only after you have researched different car insurance rates. Also try to improve your credit rating as much as possible beforehand and get as many auto insurance quotes as possible before you you’re your decision.

If you are looking for more FREE information on buying car insurance with bad credit, please visit our website: http://www.htquotes.com

More about → Tips On Buying Car Insurance With Bad Credit

Car Insurance - Driver's Education Now Turbocharged

Driver's education is advantageous when looking to lower rates for car insurance. Today's driver's education is very different. Originally taught in schools in the 1950s- it was a result of the great highway building boom.

Originally driver's education was just to teach kids how to pass a driver's test, now there is a whole new generation of driver's education classes that stress safety and real life practice. The old classes that consisted mostly of safety videos from the 1970s that put students to sleep combined with a few lectures on drinking and driving are gone. In some of those classes students only spent six hours behind the wheel.

However states are reconsidering the education of teenage drivers. Urged by an increasing partnership of public school instructors and safety groups, new forms of driver's safety classes are coming into being. Some are experimenting with extended training. A pilot program combines initial driver's ed courses, six months behind the wheel under certain licensing restrictions and a second round of driver training.

The marketplace has also jumped in to rapidly fill the empty space. Safe Smart Women, a non-profit group in Silver Spring, MD.,has classes for women drivers in 12 cities. Florida-based New Driver Car Control Clinics located in 10 states has half-day seminars which situate teen drivers and one parent inside an auto while experts radio over directions on how to brake at the car's limit and veer while retaining control. Even the AARP has an 8-hour classroom refresher Driver Safety Program to teach the effects of aging on driving and how you can adjust your driving.

At the Skip Barber School's $600+, one-day program for teenagers, drivers speed through an obstacle course -- the champagne slalom -- as fast as they can while trying to balance a tennis ball in an oversized cup on the hood of the car, an exercise designed to demonstrate the relationship of braking,cornering and acceleration.

Other classes have a radical new approach to traditional driver's education: using hip young instructors to guide teens through hair-raising maneuvers on a track so they can survive the unexpected on the road. Students learn safe driving techniques and get plenty of behind-the-wheel training.

Drivers Education has a green side too- By training in hybrids, students complete thousands of miles of training but use less fuel and create fewer carbon emissions. More and more programs are using these vehicles with great success. High school students in Leon County , Florida's driver education programs are using hybrid vehicles to practice their skills behind the wheel. Six Toyota Prius' were bought by the Leon County Board of Commissioners for the programs; funded in part by traffic fines.

There is even fun driving class. Comedy Guys Entertainment combining a bunch of professional comedians and a defensive driving school. Approved by Texas Department of Public Safety, instruction is in-class work, done in fine restaurants with meals and refreshments included.

Meanwhile, many car insurance companies charge lower rates for teen drivers who have taken driver's education. That's one more reason it matters to make driver's education a significant part of a teen's coming of age.

Receive a free online auto insurance quote that will save you money by visiting http://www.your-car-insurance.biz/Site_Map.html, a reliable auto insurance website that provides information and resources to include information on optional coverage.

More about → Car Insurance - Driver's Education Now Turbocharged

Car Insurance... What a Caveman Needs to Know

"It's so easy even a caveman can do it", the announcer proclaims, alluding to how easy it is to save money with their car insurance company. While the advertisement has been hugely successful, even leading to a television series, the reality is neither a caveman, talking lizards, scantily clad models or anything else will make your car insurance any cheaper. Your insurance premium is primarily based on such things as your driving record, age, gender, location, the vehicle that you're insuring, and not on what insurance company you are with. If you really want to see how easy it is to save money with any insurance company, try getting cheap auto insurance with a less than perfect driving record including such indiscretions as speeding, accidents, or the dreaded D.U.I. You'll quickly find that 'easy' is a relative term; perhaps easier than Chinese Arithmetic, but not as easy as the ubiquitous commercials would lead you to believe.

Even a caveman will find it hard to get cheap car insurance in some places. The place that I call home; referred to by many as the People's Republic of Maryland, has a 'point' system in place where you get nailed twice for the same violation. Commit a driving violation here, and you will receive a gift that keeps on giving because not only will you pay when you go to court, but you will also be rewarded with higher insurance premiums when the auto insurance company finds that you've scored some points. If you are a really high achiever and score enough points, you can even get your license revoked or suspended. The 'point' is, your driving record is the major determinant as to how much you pay. If you want to keep your car insurance low..er, avoid tickets, and if you live in Maryland, take the bus.

When it comes to car insurance, it is definitely better to be a cavewoman than a caveman. It's an established fact that all things being equal, you will pay more for auto insurance if you happened to born with the XY chromosome.The reasoning behind this is that since men have the testosterone thing going on, they are more likely to drive fast and reckless and therefore are a higher risk than the fairer sex. Having many years of experience behind the wheel, I would have to add that it's not so much whether or not you are a caveman or woman that matters, but whether or not you are a 'young' cave person. I could not begin to tell you how many times I have seen young Cro-Magnon women driving up on another cars bumper at 70 miles an hour. While this gender discrimination may seem a little Neanderthal to many of us, nobody said that life was fair; even for a caveman.

It also matters where you cave is located. When I was living out in Washington State, I paid less than half for car insurance than what I pay here in Maryland. In Baltimore, you can even pay higher rates just by living in the wrong zip code. I have a brother who lives just two miles from where I reside yet his auto insurance is much cheaper because he lives in a different zip code. You can be the safest driver on the roads but if you happen to live in the wrong area, you might just get penalized for it. Like real estate, when it comes to car insurance, location matters.

Lastly, the type of vehicle that you're insuring also plays a large part in how much you pay for auto insurance. For instance, certain vehicles are more popular with car thieves than others. According to the 'National Insurance Crime Bureau(NICB), the Honda Civic and Accord were among the most reported stolen vehicles in 2006'. 'The report also mentioned that thieves tend to target the most popular vehicles because they offer the best market for stolen vehicle parts and illegal export to other countries'. Insurance companies are aware of this as well, and most will charge a premium for the privilege of owning one of these thief happy cars.

While it may be true that you can save some money by insuring your auto with an insurance company that has a caveman as a spokesperson, the truth is that what you pay for insurance is based on numerous factors such as driving history, age, sex and location. Slick advertising aside, that should be so obvious that even a cave man can see it.

Bill Thomas is actively engaged in Internet Marketing. He also contributes articles on business, life and othe topics. His current website is..Create Income from Home With Your Own... Home Business

More about → Car Insurance... What a Caveman Needs to Know

How to Get the Best Car Insurance RatesHow to Get the Best Car Insurance Rates

Thanks to higher accident rates, higher car prices, and higher repair costs, getting a cheap rate on you car insurance can be difficult. Here's how to find the best car insurance rates the easy way using the Internet.

Go Shopping

The first thing you need to do in your quest for cheap insurance rates is to go comparison shopping so you can find out which car insurance company has the best rates.

I recommend going to an insurance comparison website where you can get car insurance rate quotes from multiple companies, rather than spending hours on end visiting individual company sites to get quotes. At a comparison site all you do is fill out a simple questionnaire with your insurance information and the amount of insurance your want, then wait for your car insurance quotes.

At the best insurance comparison sites you can even talk to an insurance expert who will answer all your car insurance questions and help you get the best rate on you insurance policy. (See link below.)

Raise Your Deductible

As you fill out the insurance questionnaire make sure to request the highest deductible you can afford. Not only will this save you big bucks on your premium - up to 40% - it will also prevent you from making too many small claims which can cause your insurance company to cancel your policy.

Drop Your Coverage if You Have an Older Car

If your car is worth less than 10 times the amount you'd pay for insurance, consider dropping your comprehensive and collision coverage, as the payment you'd make on claims will usually be less than what you pay for your insurance.

Get Discounts

As you fill out the insurance questionnaire make sure to request all the discounts you're eligible for. Insurance companies offer all sorts of discounts, including:

* Multi-policy discounts for having your home and car insured with the same company.

* Multi-car discounts for having more than one car insured with the same company.

* Low mileage discounts if you drive your car less than the average driver.

* Good credit discounts for maintaining a good credit rating.

* Safe driver discounts if you haven't had an accident in the last three years.

* Senior discounts if you're retired and are 50 or older.

* Anti-theft discounts for having anti-theft devices on your car.

* Drivers education discounts for taking a drivers education or drivers training course.

* Safety discounts for having air bags, anti-lock brakes, or daytime running lights on your car.

Before you purchase your car insurance, make sure to ask the insurance company representative about all the discounts that are available to you and take advantage of them. Also, make sure you read the policy carefully, or have your representative read it to you, to make sure you're getting the coverage you need.

Visit http://www.LowerRateQuotes.com or click on the following link to get the best car insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on how to get the best car insurance rate quotes.

More about → How to Get the Best Car Insurance RatesHow to Get the Best Car Insurance Rates

Car Insurance Basics. Everything You Need To Know To Save You Time And Money!

This article will give you some basic understanding of how car insurance works and some different rights and options you have when shopping for car insurance. You will also find some common frequently asked questions regarding car insurance.

In most states, you are required to carry auto liability insurance (or post a bond) and provide proof of insurance before you can license your vehicle or renew your driver's license. If you are caught driving without insurance, you may have to pay a large fine and have your driver's license suspended.

Most states require drivers to carry minimum liability coverage. In many cases, the required minimum coverage may not be enough to pay for all the damages that result from an accident and the driver will have to pay the additional expenses out of pocket.

What coverage's do I need?

In case you're involved in an accident, auto insurance provides financial protection for you and your family. It pays for the damage and injuries caused by the accident and for repairing or replacing your vehicle if it is damaged or stolen.

Types of Auto Insurance Coverage's

There are many different types of auto insurance coverage's for you to choose from.

* Fault or No-Fault - Depends on state law. * Collision - Pays damages to your own vehicle. * Comprehensive - Pays for losses from fire, theft, storm, etc. * Deductible - The amount of a covered loss you agree to pay. * Bodily Injury - Pays for injury to others when you are at fault. * Property Damage - Pays for property damage when you are at fault. * Medical Payments- Pays for your own or your passenger's medical expenses. * Personal Injury Protection - In no-fault states, this covers a broad assortment of medical expenses. * Uninsured/Underinsured Motorist - Coverage for you if other driver is not insured or is underinsured.

In addition to basic auto insurance, consider these optional services to provide added protection for your vehicle:

* Emergency roadside assistance and towing service * Windshield glass repair service * Car rental reimbursement

What does "full coverage" mean?

The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that everything is covered no matter what happens.

Your auto insurance policy declaration page lists the coverage's you have selected.

Will my policy be cancelled if I have an accident?

Generally, being in an accident will not cause your policy to be canceled. However, after the facts of the situation are reviewed, you may be required to pay a higher premium for your policy upon renewal.

Am I covered if I drive someone else's vehicle?

Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply first toward damages. Your auto insurance would generally apply in the event the owner of the vehicle had no auto insurance or did not have enough auto insurance to pay the damages.

If I rent a car, do I have coverage?

Car rental companies charge daily fees for "CDW" coverage (which means their insurance will pay for all damages covered in your rental agreement). Rental car coverage under a private passenger policy varies state by state.

What is Optional/Add-on Equipment coverage?

Under the Comprehensive and Collision portion of your policy, optional equipment (a CD player for example) is covered only if permanently installed in the opening of the dash where the manufacturer would normally install such equipment.

An endorsement is available to provide coverage for optional equipment not permanently installed in the dash and for theft of items such as tapes, discs or other equipment designed for the reproduction of sound.

What can I do to keep my auto premiums down?

A couple quick ways is to simply check to see if you're eligible for any discounts such as claim-free, driver education, auto/home or multi-car. Ask how much you can save by increasing your deductible.

Why Do Auto Insurance Premiums Change?

Ever wonder how insurance companies determine your premium? Auto insurance premiums change for the same reasons that the price of other goods and services you buy change.

The prices of the goods and services that insurance companies buy affect the prices they charge. Costs affecting the ultimate price of auto insurance are:

* Medical costs to treat injuries * Auto repair costs * Costs to adjust claims * Inflation * Uninsured drivers (your policy pays when other drivers don't have auto insurance if you purchase Uninsured Motorist coverage)

Although insurance companies can't directly control these costs, we regularly monitor them to see how they are affecting the costs of the claims we pay. As they change, auto premiums must be adjusted. These costs can affect your auto insurance premium whether or not you individually have had an accident or claim.

Changes you make to your auto insurance policy or coverage's may also change the premiums. Adding or removing a driver, buying a new car, moving to a new location or changing how you use your car may influence the cost of your auto insurance.

Where do Risk Assessment Indicators come from?

Risk Assessment Indicators are based on information from consumer credit reports from one of two institutions: Choicepoint or Trans Union, to develop a customer's Risk Assessment Indicator.

Information used may include: * Length of credit history * Late payments, collections

What's not included in a Risk Assessment Indicator?

Risk Assessment Indicators do not use the following information:

* Ethnic group * Marital Status * Religion * Nationality * Age * Familial Status * Income * Disability * Gender * Address

Can I improve my indicator and, if so, how?

You can improve your indicator over time by using credit responsibly. A Risk Assessment Indicator is a snapshot of your insurance risk based on information in your credit report. If you need assistance with understanding your credit history or advice on using credit responsibly, you should contact a qualified credit counselor. It's also a good idea to periodically obtain a copy of your credit report from the major credit bureaus to check for any inaccuracies.

What if I don't get the best discount as a result of my indicator?

The Federal Fair Credit Reporting Act (FCRA) requires that insurers tell you if they take adverse action based upon information contained in your credit report. They will give you the name of the credit bureau that provided the information and advise you of certain rights you have under the FCRA so you can address any errors that might appear on your credit report.

What if the information in my credit report is wrong?

If you find an error in your credit history, you should report the error to the credit bureau. The credit bureau must investigate and respond to your request. Once you are certain that your report has been updated, please contact your agent. He/she will re-order a new Risk Assessment Indicator. Make sure the information in your credit report is correct by reviewing your credit report from each credit bureau at least once a year. Call these numbers to order a copy (a fee may be required):

Choicepoint: (800) 456-6004 Trans Union: (800) 645-1938 Trans Union - Texas: (800) 605-9488 Or go to: www.annualcreditreport.com to request a free report (you get 1 per year)

Brad Burke is an independent agent with Farmers Insurance in Holland, Michigan. He services the state of Michigan and operates the web site: http://www.free-car-insurance-quote.us where he shares information on how to lower car insurance premiums, how to shop car insurance for the best deal, how to get the best coverage for the best rate. He also publishes a monthly newsletter with car insurance trends and updates that can help save money on premiums.

More about → Car Insurance Basics. Everything You Need To Know To Save You Time And Money!

Five Steps to Choosing Car Insurance

So you're looking for different types of car insurance?

Finding the right car insurance can be a difficult task. You can search and search for what you're looking for, but you may never find the right car insurance because the insurance companies give you the good information on them and the bad of others. You could spend hours on end looking and deciding what auto insurance to buy and in the end most people aren't satisfied with what they choose.

It is difficult to rest your mind and decide to spend money on a certain car insurance company because most of them are different. Many car insurance companies do not offer the same services as others. For example, Geico may offer better rates than Allstate, but Allstate may offer more protection. It is important to be aware of what insurance companies can give you and what they can't.

The difficult part of choosing an insurance company is really deciding which one is better. The truth is none of the insurance companies are any better than the other. Just because Nationwide is not as well known as, let's say Progressive, Nationwide can give your car as much coverage as its competitor. An easy way of choosing auto insurance is to read about a few of them and decide which one has the better offer in your eyes and how it can benefit your life.

Choosing car insurance can be done in five easy steps:

1. Type car insurance into a search engine such as Google or Yahoo. 2. Scan through the multiple links to different car insurance sites such as Statefarm and Esurance. 3. Pick one of them and read about what they have to offer. 4. Go back and research the other available insurance companies. 5. Once you have found one that satisfies you, then you have found the best car insurance for you.

I know I might sound very general when giving these steps, but the main point is to research and learn. Don't make a big deal over choosing what type of car insurance to get. Some companies give more coverage than others, but that is only one out of many services. If you truly want the best car insurance then decide for yourself by researching them.

Another good way to decide which car insurance company is better is to get a free quote. Some companies offer car insurance quotes for free, but remember that they are competing against other companies so they are going to try and make their company and coverage seem better. One way they will do this is by comparing their best contracts with other company's worst contracts. But, just because some companies do this, it doesn't mean all of them will. The best thing to do is either get multiple quotes from different companies or get quotes from unbiased point of views (someone who is not being paid by the insurance companies).

This article was written by Travis Morgan, a successful online marketer and types of car insurance expert. Please visit my site at www.typesofcarinsurance.com

More about → Five Steps to Choosing Car Insurance

Cheap Car Insurance: An Ultimate Remedy For Car Damage/Theft

Insurance can be termed as one of the biggest help for people in today's world. It is not difficult to understand why. Life these days have become extremely expensive. So much so that any sudden expense can completely disrupt the smooth functioning of any middle class household. And if the expenditure has risen out of damage to some expensive item, then the situation becomes really serious. On most occasions, expensive items are purchased on loans implying that not only has one got to spend for the repayment of loan, but also fix up the damage.

The situation becomes worse if the concerned item happens to be a car, because then it is almost guaranteed that the expense would be immense. It is here that the insurance companies step in and prove their relevance. Their biggest help is the fact that they bear all the expenses and exempt the concerned person from paying a single penny. It is for this reason that insurance, particularly cheap car insurance is gaining huge popularity in the UK. Imagine a scenario when your car is stolen or has faced some accident with dents all over its body, and you don't have to pay a single penny on its repairing. This is exactly what a cheap car insurance does and is the reason why it is so popular in UK.

However, to gain maximum advantage from cheap car insurance, one should take extreme precaution while opting for it. Firstly, he should check whether the insurance company whose policy he is buying is giving him the best deal. In other words, he should do a thorough research about the offer of different insurance companies before committing to one. He should check whether his good is priced correctly. No false information should ever be furnished to the insurance company, as it can lead to unnecessary hassles.

If the above mentioned precautions are taken, then there is no reason why a Cheap Car Insurance will not prove to be beneficial to its customers.

Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in Cheap Car Insurance and in guiding you on its various details.

More about → Cheap Car Insurance: An Ultimate Remedy For Car Damage/Theft

Want to compare car insurance young drivers in Britain - Broker or Direct?

This short report aims to assist you in getting lower premiums. Many techniques are available to help reduce your car insurance young drivers in Britain monthly costs. Some involve finding the right companies to get quotes from although other methods take place over a longer period and take some time to reduce the price of your cover. Some of the methods will not work for you but if you a searching for car insurance young drivers in Britain lots of ideas and techniques are given to help you reduce the costs with your insurer.

Areas we will be looking at are how to pay for your premium, types of cover, motoring club discounts plus much more.

Tip I Don't be rushed ! Once your insurance renewal comes through start to shop around for quotes , don't leave it too late. Always try at least 5 insurers. Read reviews on car insurance providers in the newspapers. Although price is important so are other factors it is important to write the features down and compare them along with the prices.

Tip II What about payments ! If you can afford paying in full is the most cost effective option. nearly all insurance providers make extra money on car insurance young drivers in Britain by charging interest for direct debit payments. If you can't afford to pay in one then paying on your credit car could be a better alternative. Check first but in many cases the APR charged by the insurer will be higher than the Mastercard or Visa company.

Tip III Do all named drivers drive ? Unless the driver is your spouse then naming one normally costs extra. If the drivers are younger than 25 years old then the costs will be much higher. The trick is to name only those that will actually drive. Sometimes if the person you need to name has their own vehicle they will have the driving other cars extension anyway so could drive you motor on a third party only basis. Depending on the value of your vehicle third party cover may be satisfactory or not. Many insurance companies will allow you to add an additional driver temporarily mid term through your insurance year.

What now ?

Ensure that the correct steps above have been undertaken then read below. For car insurance young drivers in Britain we recommend you visit this site Young Learner Drivers Car Insurance

Damian is the owner of many finance related websites. Including mortgage, loans and debt advice. For more information visit http://www.gooddriverinsurance.co.uk

More about → Want to compare car insurance young drivers in Britain - Broker or Direct?

Budget Car Insurance: Officially Authorized Assistant

In the words of business experts, it is extremely imperative that all drivers have a wide-ranging insurance policy that gets the most out of their coverage. Now, some people may be somewhat put off by such a declaration because they will repeatedly assume that widespread unconsciously interpret to expensive. This is simply not truthful as there are quite a number of Budget Car Insurance options available to those who are on a imperfect budget or simply do not want to overspend when such a disbursement is not compulsory.

Things to be considered:

Lots of things are to take into contemplation when attempting to opt the Budget Car Insurance for your needs. The most important item is the knowledge of the company. Some insurance companies are nothing more than portico to take your hard earned money. Many of the Budget Car Insurance companies suggests the naked least in reporting at a lowest price, but if the person wants to enlarge their coverage amounts, the prices is usually alike to the assurance offered by the highly reputed companies.

Credence Tune-up and Worth While Choosing Budget Car Insurance:

Many clients are reluctant to investigate for the Budget Car Insurance company and will go with the first policy they find that fits their budget and covers their car. By reviewing the information for several different companies before making your choice, you have a bigger chance of choosing the Budget Car Insurance for your needs.

It is thus a good idea to snapshot a driver's history, and which usually contains the driver's name, license number, class, expiry date, conditions/restrictions, height, date of birth, gender, driver's convictions, suspensions reinstatements over the past 3 years, as well as conviction dates, earliest licensed date available, demerit point total and medical due date for commercial drivers.

Make a list of each company and then list their phone number. Call each company and give them the required information, such as your age, gender, make, model and year of your car, as well as any other information, such as if you've received any tickets in the last five years. Take the quote the company gives you and mark it on the list, along with any other pertinent information, such as deductible amounts and other coverage points. When you're finished with the list, it should be obvious which company offers Budgeted car insurance. When you're finished with the list, you should have a pretty good idea of which companies stand out from the rest. However, don't assume the quotes you're given are set in stone. There's always room for negotiation and the better driver you are, the better rate you're going to get.

You can also find more info on cheapest car insurance and commercial car insurance. Autocarinsurancehelp.org is a comprehensive resource to get help about car insurance.

More about → Budget Car Insurance: Officially Authorized Assistant

Want fast motor insurance for drunk drivers - Find the right package

This short report aims to assist you in getting lower premiums. A few methods exist to assist you in lowering your motor insurance for drunk drivers yearly costs. Some involve finding the right companies to get quotes from although other methods take place over a longer period and take some time to reduce the price of your cover. Some of the methods will not work for you but if you a searching for motor insurance for drunk drivers we are sure that you will learn some important nuggets of information.

Subjects that this report will present are how to pay for your premium, types of cover, motoring club discounts just to name some of the topics.

Tip I Are named drivers required ? The costs of naming a driver that is not your common law partner or spouse varies between 10 to 20 percent. If the drivers are younger than 25 years old then the costs will be much higher. The trick is to name only those that will actually drive. Sometimes if the person you need to name has their own vehicle they will have the driving other cars extension anyway so could drive you motor on a third party only basis. Depending on the value of your vehicle third party cover may be satisfactory or not. Instead of naming a driver permanently you can add them temporarily part way through your insurance year.

Tip II The best way to pay ! The best way to pay for your car insurance is to pay with a one off payment. Unfortunately one way in which brokers and direct insurers make extra profit on motor insurance for drunk drivers by charging interest for direct debit payments. Paying in one lump is not always possible so if not then pay in one lump on your credit card. In most cases the APR on the credit card is less than that of the insurance provider.

Tip III Drive a smaller car - Big engines are harder to control and cost more to replace so driving a car of this kind costs more to insure. One way then to reduce the costs of your motor insurance for drunk drivers is to find a low insurance group car.

Tip IV Do not fall for high pressure sales tactics ! Once your insurance renewal comes through start to shop around for quotes , don't leave it too late. Make a list and ring or submit your details online to a minimum of 4 motor insurers. Price comparison sites can be used to pick the most competitive brokers or direct insurers. Although price is important so are other factors it is important to write the features down and compare them along with the prices.

Tip V Advanced driving ! You may also get a premium reduction of your motor insurance for drunk drivers is by taking extra driving tuition. If you are a new driver then the pass plus is a good way to reduce your insurance costs. Lots of insurers now give substantial discounts if first time drivers have the pass plus. Topics the course covers are all weather driving, driving on dual carriage ways and driving out of town. Other courses that can help older drivers are the IAM institute of advanced motorists or the and ROSPA.

What are the next steps ?

Once you have completed the suitable tips from above read on. For motor insurance for drunk drivers we recommend you visit this site Young Learner Drivers Car Insurance

Damian is the owner of many finance related websites. Including mortgage, loans and debt advice. For more information visit http://www.gooddriverinsurance.co.uk

More about → Want fast motor insurance for drunk drivers - Find the right package

Insurance for the Four Legged Folks

Most of us go in for insurance plans these days. You never know when things might go wrong and you might have to cough up large amounts of dough to pay for unforeseen expenses. That is why most people see life insurance as a necessity, if in nothing else. Insurance is also a great way of saving up money that would otherwise have been spent in other pursuits. Choosing the right insurance matters a lot for this will be a long term investment, unless you decide to go and find a better policy midway. Most people don't. Thus, it makes sense to look around for the best deals. Getting a number of different life insurance quotes will be a good start.

Of course, life insurance is merely the most fundamental point when it comes to insurance policies. Car insurance is yet another important insurance type that we cannot avoid. Several countries have, in fact, made it mandatory to ensure that all cars are insured. Most car retailers offer some basic car insurance packages. So, based on who is your retailer, you could soon be driving out with not just a car but also insurance on it. Car insurance has become a must-have, what with all the accidents that keep taking place.

But then, these are only among the basic insurance types. These days, insurance providers are coming up with a wide range of insurance policies for a wide range of stuff. Pet insurance is one upcoming type in the growing insurance markets. Several of us will know of some pet owners regard their pets as being as much a part of the family as their sons and daughters. If you can manage to get insurance for your children, why should one choose a policy that is less than the best pet insurance for your cat, dog, or hamster?

Finding pet insurance is not quite as easy to stumble upon as an affordable life or car insurance policy. However, a number of loan providers are realizing the lucrativeness in dealing with insurance for pets. There are enough animal lovers in the world to make this a lucrative venture. Moreover, as increasing numbers of insurance providers start getting their pets insured, there will certainly be the emergence of more affordable policies for pets. More issues might be covered and the benefit limits might be extended. The best bargains are probably still on the way. We can only imagine that such insurances will grow.

Get Life insurance quotes, car insurance, and the best pet insurance.

More about → Insurance for the Four Legged Folks

Low Cost Hybrid Cars

Hybrid cars are still fairly new to the majority of us. They use a new method of making cars, and we all know that new methods and new technologies generally mean the resulting product is a lot more expensive than the ones we are used to. However, as that product becomes more widespread, so the cost goes down. This is why low cost hybrid cars are now starting to become slightly easier to find.

Go to any car lot in your local area and you'll be lucky to spot a hybrid car among the sale items. This is why you need to search for a bargain if you're set on buying one of the low cost hybrid cars available. The main thing to remember is that the cost of a hybrid car is not just what you'll see displayed on the windshield. You need to bear in mind the long term costs involved to see whether low cost hybrid cars really do exist in a range that fits your own pocket.

First of all, consider your car insurance. Many companies are now doing their bit for the environment by offering a significant discount on your insurance if you own a hybrid car. This can be ten per cent or more. Depending on what car you currently drive (and what style hybrid you intend to buy), the savings over the course of a few years could mount up significantly.

You should also consider the reduction in the amount of gas you'll need to buy. Hybrid cars use a lot less gasoline than traditional cars, and with the current price of gas the savings you make in this area alone could be very high indeed. When we think about low cost hybrid cars we think about the costs involved in monetary terms. But hybrid cars are also less costly in terms of green issues too. They are far more environmentally friendly than gas driven cars, and if we all drove one green issues probably wouldn't be much of a problem at all. As the technology behind them improves and they are marketed to and bought by more people, low cost hybrid cars will become a more widespread reality. Well known car makers such as Honda and Toyota seem to be committed to this type of car for the long term, so it's only a matter of time before low cost hybrid cars are commonplace.

For information on buying and selling new and second hand cars and bikes visit http://www.bharathautomobiles.com/index.php

James Gunaseelan writes for India's Leading Automobile Portal to buy and sell second hand and new automobiles

More about → Low Cost Hybrid Cars

Financing Your Dream Wheels

We all want a car of our own someday. We all want to not have to depend on public transport. We would all like to drive off into the horizon with the steering wheel in our own hands. So, we spend days on end dreaming about the ideal car which will be our vehicle for several years to come. So what are you looking for in car? Do you want a great-looking car with plush interiors? Should it be red, blue, black, or white? How cost-effective would you like it to be? Are you looking at a basic model or a high-end one?

Irrespective of how you would like your first car to look, you will have to arrange for the necessary finances. Cars do not come for free. Rather, they tend to be more than a little expensive. A high-end model will end up costing you a great deal more than the basic one. And used cars in a good state can be bought for a lot less than a brand new one. What car you end up buying would depend on not just your tastes and needs, but also on the state of your finances. How much can you afford?

These days, few of us are willing to wait patiently till we gather the money to buy a vehicle. Moreover, there is no need to wait too long. Car finance is all the rage nowadays. If you have a steady income and can afford to shell out a certain amount every month as installment, it might be a good idea to apply for a car loan. Car loans are easily available in the markets of today if you will only look around. Search on the Internet and you will find yourself swamped with scores of car loans that might just fit the bill.

However, given the fact that there are so many car loan providers in the market, it would be advisable to tread carefully. While you may not necessarily end up dealing with a fraudulent loan provider, you could end up with an unnecessarily expensive car loan. Thus, it would be a good idea to conduct some preliminary research before you finally select a car loan for yourself. Also, while you are at it, you could also look at some offers for online car insurance. As in the process of choosing car loans, a good deal of research would help you to come across affordable car insurance. After all, even after you have bought the car, maintenance costs will arise.

Looking for car finance or online car insurance? First evaluate all your options. Visit us for car loans.

More about → Financing Your Dream Wheels

Car Warranty: Bails You Out From Overwhelming Service Bill

You may be contented driving your Cadillac or two-door sedan and pleased that everything seems to go well for some time now. Nevertheless, does the idea of permanent peace for your car really sit well with you? Sooner or later, your car will experience breakdown due to heavy use or simply overtime and how would you expect to be rescued from a staggering bill on the repair shop?

Car warranty is your salvage ticket when something goes wrong with your car in the future. It doesn't only boost your equanimity under pressure of car damage but it also provides safety and protection to your vehicle.

General Motors paved the way to the idea of car warranty in the industry when it offered a three-year coverage bumper-to-bumper warranty when it eliminated its long-term power train warranty. Following the company's example, Ford and Chrysler modified their offer by putting forward power train protection for 6 years or 100,000 miles for Ford and 7 years or 70,000 miles for Chrysler. Choosing not to match GM's comprehensive warranty coverage, they instead looked for other better options. Ford obliterated its $100 charge for warranty transfer upon sale of a car while Chrysler offered a minimum of $500 settlement for each car owner of an extended warranty on all vehicles that had been involved in accidents, repairs or sold as new.

What To Do With Your Car Warranty

Applying for and securing a car warranty is not everything that you should do. To get the optimum benefits from your warranty, you ought to read the contents of the contract or a warranty quote and understand the coverage and exclusions. You can ask questions from the manufacturer or a warranty professional on the claims you can get from the agreement and what you can expect in event of accidents or repairs.

First, you should consider the cost and coverage of your warranty contract. Different insurance companies offer varied prices for different types of warranties depending on the coverage and the time duration. You should know what items and eventualities your warranty covers and for how long. If there is a mileage or time limit, be sure that you don't exceed those boundaries or you forfeit the claims for your warranty.

You should also choose a warranty that best fits the model and the nature of use of your car. You can specify what components should be covered like engine only or transmission and electrical systems only so as to optimize your benefits. You can also choose from their general coverage options like mechanical breakdown, damage due to overheating, roadside assistance and others. In cases of repair or mechanical failure, some warranty companies pay directly the repair facility leaving the car owner to only shoulder the deductibles. Other warranties, however, only allow for reimbursements that's why you should know what you can expect on events like these so you could appropriately plan your budget. If your warranty company will reimburse you for allowable expenses, when can you expect to be refunded and what should you do to get the reimbursement? You should know those things, among others.

While driving your pick-up or auto and basking on the idea that everything's going to be all right, it can be comforting to know that your vehicle is protected with car warranty. You can have your peace of mind as you don't have to worry with over-the-top repair bills and overwhelming damage costs. When chosen with maximum care, car warranties could prove to be wise investment.

Lewis Miller writes for http://www.carwarrantyselect.com. Find out the importance of getting a car warranty for your new or used vehicle by visiting http://www.carwarrantyselect.com.

More about → Car Warranty: Bails You Out From Overwhelming Service Bill

The Secret To Cheap Car Insurance

Introduction

Need tips on getting cheap car insurance? Read our car insurance guide to learn how to find the cheapest motor insurance quotes and obtain the cover that best suits your motoring needs. Understand how UK car insurance companies operate and how your personal circumstances affect the cost of your insurance. If you're a woman, young driver or performance or classic car owner there are a number of factors that can help you reduce your car insurance premiums.

Quotes for less

There are many different ways to get a car insurance quote. There are numerous online services where you simply enter your details once and it will search over 300 insurance prices from the top providers to give you a range of the cheapest quotes on the market, saving you both time and money at no extra cost. Whether you require young driver car insurance, women's car insurance or simply a competitive car insurance quote, you can sort it all out online. Most of the online services do not charge as if you take out an insurance application through their site they earn a small commission so they are more than happy to assist. When you get a cheap car insurance quote remember that the price is only half the story.

Know your discounts

You may be surprised to learn that a lot of insurance companies will provide you one or multiple discounts on your insurance premiums based on your circumstances. For example you can earn multiple discounts for safe driving, being a member of a motorcycle organization, and more. Once you reach 5 years' NCD of course your discount will be guaranteed. You must have 5 years' no claims discount and no claims in the last 3 years. In fact, even if you have been driving on someone else's insurance, companies can normally offer the equivalent no claims discount on your new policy.

A lot of policies are provided by some of the best-known names in UK insurance, and because of their industry standing some insurance brokers are able to negotiate favourable deals that aren't available to the general public. Find out about our 15% discount for RAC Members. Some insurance companies will give you a discount if your car is parked in a garage or behind locked gates at night. If you're not entirely satisfied with the quote, ask for a discount. If you buy your Car Insurance policy online, you get up to a 20% discount on your first year's premium. Low mileage discounts can also apply to drivers who car-pool to work.

You can also benefit from lower premiums if you are over a certain age e.g. 50 and you only drive a small amounts of miles per year.

Conclusion

Applying for car insurance online saves not only time but it also saves money and energy in searching various car insurances. The good news is that there are different levels of car insurance cover available, so you can find the right cover to suit most needs, circumstances, and budget. You will find that the cost of car insurance can vary widely from one provider to another, and it is therefore important to compare cover from a number of providers in order to find the most affordable cover.

Paul Haughney is a car insurance specialist who provides male car insurance tips and best insurance reviews.

More about → The Secret To Cheap Car Insurance

Female Driver Car Insurance Tips

Nowadays car insurance companies prefer female drivers to male drivers as they are considered as less risky drivers. Although a lot of men would disagree! It may surprise you to know that it isn't necessarily because women have fewer accidents. They are involved in as many accidents as men. However, the overall damage caused by women is not as much in the majority of cases. Subsequently their insurance claims after are a lot less overall. That is why on an average women's car insurance premiums tend to be at least 20% % lower than that of their male counterparts having the same demographic profile.

Women, in general, drive at lower speeds than men. It's all these boy-racers who are making it hard for their older counterparts. And even some of the older men driver faster than they can really handle or control. So due to the number of lower speed by women the accidents caused by lady drivers are not as serious. So, even if they might make a claim as often as males do their claims are just less, which gives insurers lower premiums. Since male drivers, on average, drive at higher speeds then even if they crash on their own, the loss is high.

A female is regarded to be a better risk even from the age of 17. There are many premium discounts available for young lady drivers, like taking the pass plus certificate. The pass-plus is a series of extra lessons that a young lady driver learns following their standard driving test. Passing the pass-plus can gain you a discount of around 30% for the first year. Given how much some insurance companies charge to first time drivers a 30% discount could equate to a few £100. That would be enough to full the petrol tank for a good few miles!

And even more recently a number of new car insurance companies have started to specialise in car insurance for women drivers. These companies tend to insure women drivers only. An example of this in the UK would be Sheila's Wheels. In fact they can be so strict as to not encourage the woman to get an insurance policy with her husband. Because they can't give the same level of discount due to the perceived risk posed by the husband. So the best deal is to just get the woman insured on a stand-alone policy as this gives the lowest risk and hence the lowest premiums. It means providing less risk in total, meaning lower premiums in total.

So, for the insurance companies there is a double edge sword, which can really pay off. On the one hand they offer lower premiums which means equates to lower profits. However they expect to generate a high volume of insurance policies for women so that tips the balance in their favour as more and more women seeks out these specialised policies.

You should seriously consider these specialist companies if you are a woman. As with any standard insurance policy you can benefit from additional discounts if you park your car overnight in the garage, or off-street. Or by getting additional driving lessons, such as the Advanced Drivers Test, or driving a low amount of miles over the course of the insurance year.

Paul Haughney is a car insurance specialist who provides the best car insurance tips and insurance reviews.

More about → Female Driver Car Insurance Tips

Fans driving to Rugby World Cup ''may need car insurance update''

The four-year wait is nearly over as the Rugby World Cup kicks off in early September, but fans planning to drive to the matches should check their car cover first, it has been suggested.

Taking a car abroad should not be a problem for drivers - around one in seven UK motorists does it each year - but even some comprehensive insurance policies do not provide full overseas cover unless the trip is very short or an additional fee is paid.

Without coughing up the cash, drivers will be left with just enough insurance to make it legal to drive the car in the foreign country, but would be liable for any bill for damages or theft.

And with thousands of Brits set to descend on France for the showpiece rugby competition, NFU Mutual suggested they should check their cover well in advance.

Company representative Laura Wood says: "As travel plans are finalised and the excitement builds for fans of all of the home nations, insurance can be the last thing on your mind.

"However, driving on unfamiliar foreign roads can be a tricky business. It is important that you check whether you are covered in the event of an accident or theft."

It is also advisable for those travelling abroad to ensure their car is in good condition before making their trip as breaking down abroad, even if the driver''s insurance is valid, can be a nightmare to deal with, especially if there is a language barrier to overcome.

James Zhao is an e-marketer working with various industries including travel, insurance, ebusiness. For more information on insurance, please visit castlecover.co.uk - insurance specialist for people over 50s

More about → Fans driving to Rugby World Cup ''may need car insurance update''

Is There Such a Thing As Cheap Car Insurance in Canada?

There is a great many of us who pay far too much in premiums when it comes to car insurance in Canada.

The reason a huge majority pay too much in car insurance premiums is because there are two beliefs that exist. One is that car insurance companies all charge the same based on the same coverage from to the other. The other belief is that looking for rates is for the newbie driver or those who have a ticket or two or accident.

Unfortunately if you buy into those two beliefs then you are part of that huge majority that is paying way too much for their car insurance.

But really, is there such a thing as cheap car insurance in Canada? Well I guess first we need to determine what you feel "cheap" is but, if you are looking at saving on your rates substaintially then it takes just one simple task ... SHOP THE RATES.

Now before you roll your eyes, read a little further and I am sure that once you read through your next step will be hitting the insurance companies in search of a far better rate than what you are paying now!

A survey was conducted where 8000 people used the internet to get a Canada car insurance online quote, this study was done back in November of 2006 (so it is pretty recent). Each person sought quotes from the top 10 Canadian insurance companies and the rates were based on all 8000 people using the very same coverage. The study showed that there was a HUGE difference in rates between the 10 insurance companies, to the tune of over $900!

So let me ask you, does cheap car insurance in Canada exist? $900 is a HUGE savings and one that is certainly to your advantage to take the few minutes, go online and search!

Let me ask you a question and answer this one honestly.

Would you have called 10 insurance companies to get a rate comparison?

Probably not ... and certainly I can understand that, however, the net has enabled us to shop car insurance rates and certainly a lot faster than we would have if we had to call these 10 insurance companies one at a time. In a matter of clicking a button and waiting a couple of seconds you can have a quote comparison from several insurance companies at a time regardless of where you live in Canada. The study alone is worth the few mintues it takes to go and get a Canada car insurance online quote. Is there such a thing as cheap car insurance in Canada? Well, I am sure you will agree that with a difference of $900 between car insurance companies, any savings is better in your pocket than somewhere else!

Dennise Ryder writes from her home in Toronto, Ontario, Canada. Many people are paying way too much for car insurance, check and make sure you aren't one of them, Canada car insurance online quote

Dennise Ryder writes from her home in Toronto, Ontario, Canada. Many people are paying way too much for car insurance, check and make sure you aren't one of them, Canada car insurance online quote

More about → Is There Such a Thing As Cheap Car Insurance in Canada?

Best Quote Auto Car Insurance-How To Spot The Best One Quickly And Painlessly

You're looking for the best quote for auto car insurance? Who is the best service provider for you? Actually, there is no one right answer to this question.

The best quote will entirely depend on you, your personal driving record, what kind of vehicle you are insuring, etc. Here are some tips to help you find the best quote for your car insurance as quickly as possible.

First of all, you need to decide whether or not you want to purchase full coverage car insurance. This basically means that you own a higher level than the lowest amount of insurance necessary to be legal in your state.

This will obviously be more pricy, but in many cases it's worth it. Of course, many drivers purchase less than the full in order to save money, but this simply puts them at risk of paying out of your own pocket in the case of an accident.

There are several ways to find the best full coverage care insurance for your auto. First, search for firms that give out price reductions for different reasons. Many times, companies offer discounts for good driving records, your age, type and number of cars that you currently have insured.

Here's an example: you can often get a lower rate if you already own home insurance with the company you are looking to acquire car insurance from. Not every company offers this, of course, but it's certainly worth checking out.

Remember, the most important factor in finding the best quote for your auto car insurance is to shop around beforehand. Don't just go with the first one you hear.

Remember, there is no company that will offer the best quote in every single situation. In order to find the best one for you, you will need to shop around and find this out yourself. Yes, it will take some due diligence, but the end result will certainly be worth it.

Also, try checking with friends, relatives and family who already own car insurance, and find out how happy they are with the service they are getting. Follow these tips, and you will find the best quote for your auto car insurance, and at an affordable price.

For more auto insurance terms and tips, check out http://www.mycar-insurance-tips.com/. Whether it be classic car auto insurance tips or regular auto, you will find the info you need.

More about → Best Quote Auto Car Insurance-How To Spot The Best One Quickly And Painlessly

Canada Car Insurance - Should You Be Shopping Around?

Canada Car Insurance - Should You Be Shopping Around?

All Canadians know that in Canada we MUST all have auto insurance coverage. We are also aware that the minimum coverage required can vary from province to province and that we are able to enhance or add to that minimum coverage based on our own individual needs.

When it comes to canada car insurance many of us are paying a lot more than what we should be.

Why?

Because we don't shop.

The main reason we don't shop is because many of us believe that when it comes to auto insurance companies the price they are paying for their current insurance coverage is the same that they would pay elsewhere. The sad fact is that those who believe that and who don't bother to take the time to shop rates are losing money.

Back November 2006 a study was conducted which took 8000 visitors who used the internet for online auto insurance quotes Canada. Based on the same coverage each visitor was provided a rate from Canada's 10 most competitive insurance companies and the results showed that rates differed on average by over $900. That's a big difference and certainly it makes it well worth the while to start thinking twice about coverage and shoping for insurance. It also blows the misconception that all insurance companies are the same and that rates don't very based on the same coverage.

The fact is that auto insurance quotes can and do differ greatly and only by taking the time to shop rates are you going to ensure that you are not paying too much. We shop for everything, houses, computers, deals on furniture and even cars, why don't you shop for the best car insurance rate too?

Take the time out of your day and make sure you aren't one of those who is paying to much for the auto insurance. Get an an online auto insurance quote canada and keep the money where it belongs ... in your pocket!

Dennise Ryder writes from her home in Toronto, Ontario, Canada. Many people are paying way too much for car insurance, check and make sure you aren't one of them, Canada car insurance online quote

Canada Car Insurance - Should You Be Shopping Around?

All Canadians know that in Canada we MUST all have auto insurance coverage. We are also aware that the minimum coverage required can vary from province to province and that we are able to enhance or add to that minimum coverage based on our own individual needs.

When it comes to canada car insurance many of us are paying a lot more than what we should be.

Why?

Because we don't shop.

The main reason we don't shop is because many of us believe that when it comes to auto insurance companies the price they are paying for their current insurance coverage is the same that they would pay elsewhere. The sad fact is that those who believe that and who don't bother to take the time to shop rates are losing money.

Back November 2006 a study was conducted which took 8000 visitors who used the internet for online auto insurance quotes Canada. Based on the same coverage each visitor was provided a rate from Canada's 10 most competitive insurance companies and the results showed that rates differed on average by over $900. That's a big difference and certainly it makes it well worth the while to start thinking twice about coverage and shoping for insurance. It also blows the misconception that all insurance companies are the same and that rates don't very based on the same coverage.

The fact is that auto insurance quotes can and do differ greatly and only by taking the time to shop rates are you going to ensure that you are not paying too much. We shop for everything, houses, computers, deals on furniture and even cars, why don't you shop for the best car insurance rate too?

Take the time out of your day and make sure you aren't one of those who is paying to much for the auto insurance. Get an an online auto insurance quote canada and keep the money where it belongs ... in your pocket!

Dennise Ryder writes from her home in Toronto, Ontario, Canada. Many people are paying way too much for car insurance, check and make sure you aren't one of them, Canada car insurance online quote

More about → Canada Car Insurance - Should You Be Shopping Around?

How To Get The Best Rates On Car Insurance In Missouri

If you drive a motor vehicle on public streets in Missouri then you need car insurance. Period. If you are caught driving without car insurance in Missouri the penalties are severe, too severe for you to even consider it.

And you don't have to. There are ways to reduce your car insurance rates to the point where you can afford to drive in Missouri.

Start by driving defensively and sensibly. Speeding or drunk or impaired driving convictions will cause your car insurance rates to more than double in some cases. And that doesn't take into consideration the legal consequences of such actions - don't speed and don't drink and drive.

Use your seatbelts. A ticket for not using your seatbelt can also raise you car insurance premiums.

If you are in school stay there and keep your grades up so that you will qualify for any Good Student discounts that your car insurance company offers. If you're 55 or older ask if your car insurance company offers a discount for drivers who take (and pass) a driver's review program.

If you have more than one car be sure to insure all of them with the same company. Likewise, if you have other insurance policies, such as health insurance or homeowner's insurance be sure they are also held by the same company - you often get a substantial multi-policy discount.

If you have gone for at least 3 years without an accident or a claim ask if there is a good-driver discount.

If you drive fewer than 12,000 miles per year check to see if there is a limited-use discount that applies to you.

Depending on the age and condition of your car - and whether or not your car still has any Blue Book value - you may want to consider dropping comprehensive coverage. This will save you money but will result in you having to pay for any repairs to your car in case of an accident.

Realistically determine how large of a deductible you can afford to pay. The deductible is the amount you will pay for any claim before you ask your insurance company to pay anything. The larger your deductible the lower your car insurance premium will be.

Now it's time to go online and compare car insurance policies and prices among as many different car insurance companies as possible. To do this you will need to enter all of your information onto the form on at least 3 different websites since no one website compares the prices of every car insurance company in Missouri.

It can be a bit of work and take a bit of time, but once you've made all of the comparisons and found the best rates on car insurance in Missouri, you'll be laughing all the way to the bank for years to come.

Recommended sites for low rate insurance The Best Rate Car Insurance in Missouri Car Insurance Estimates and Free Quotes

More about → How To Get The Best Rates On Car Insurance In Missouri

How To Save Money And Get Discount Car Insurance In Missouri

No one likes paying for car insurance, but if you are going to drive a motor vehicle on any public road in Missouri you had better have up-to-date auto insurance and you had better have proof of insurance with you at all times. The penalties for driving without insurance are severe and include the possibility of losing your driving privileges for one full year and the payment of a penalty to reinstate your license after that period.

Therefore it is important for many people to find ways to save money and get discount car insurance here in Missouri.

The first thing you need to do is to keep your driving record clean. A speeding ticket, or a drunk driving or impaired driving conviction will send your auto insurance rates through the roof.

If you are young your insurance rates will typically be higher. However, if you stay in school and maintain at least a "B" average, many companies will give you a Good Student Discount on your monthly premiums. If you are over 55, check with your insurance company to find out if taking and passing a refresher driving course will lower your insurance bill.

Driving a sports car or other high-performance vehicle increases the cost of car insurance.

If you have an older car with little or no Blue Book value you may choose to purchase the minimum liability insurance coverage that is required in the state of Missouri. However, if your car is newer or if it is being financed then you may be better off purchasing collision coverage and possibly other coverage as well.

In either event you can still reduce the cost of your insurance by increasing your deductible - the amount of money you will pay out of your own wallet if you have a claim. The larger the deductible on your policy, the lower your monthly premium payments.

Finally, get online and make direct head-to-head comparisons of as many insurance companies as possible on the many websites designed to help you find the best price for car insurance in Missouri.

Unfortunately you will need to enter all of your information into the form on at least 3 different websites if you want to be assured of comparing the most companies and feeling confident that you have saved money and gotten the best discount car insurance you possibly can.

Recommended sites for low rate insurance Discount Car Insurance Quotes in Missouri Car Insurance Estimates and Free Quotes

More about → How To Save Money And Get Discount Car Insurance In Missouri