Buying Car Insurance

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Finding the perfect car insurance is a matter of shopping around, asking friends and making sure to qualify for every discount available. It is also important to make sure to get the right kind of car insurance.

People who have just purchased a new car or have a car that is not paid for need to opt for an insurance policy rider which covers the replacement costs of the car or pays the car off in full in the event that the car is totaled, this is called GAP insurance.

Most car insurance policies pay the amount the car is worth on the day that it is damaged, the car's Actual Cash Value or ACV, not necessarily the amount that is still owed on it. Many car financiers will offer this type of rider as part of the financing option, but car owners should also determine before signing the financing offer if they can get the same service from their standard insurance company. Generally speaking, going through your regular insurance agency will mean that it costs less.

Persons purchasing car insurance for the first time will also need to determine what type of insurance they need. For a car that is financed, full coverage insurance will be needed. This type of car insurance will pay the amount the car is worth, minus the deductible, after the car had been damaged, no matter who is at fault for the damage.

Liability insurance is the insurance required by most state's to legally operate any motor vehicle. This type of car insurance pays for damage to the other person's car or property that is your fault. It does not cover damage to your own vehicle.

The other important things to consider when discussing car insurance are liability limits and deductibles. For liability insurance, most states have a minimum amount that is required, usually $25,000 or $50,000. Many people decided that this is the amount of insurance that they should have.

The problem with this approach to car insurance is that the liability amount is the maximum amount your insurance company will pay if an accident occurs. If there are more damages than that amount and the accident was your fault, the other people involved in the accident can sue you for the difference.

That means that if they suffered $75,000 in damages between their car, medical bills and other expenses and you only have $25,000 in liability, you could have to pay the other $50,000. And, since almost no new vehicles cost less than $25,000, the chances are pretty good that in a severe accident, the damages could far exceed minimal liability limits.

One way to afford higher car insurance liability limits is to increase your deductible. Most people have their deductible set considerably lower than it needs to be. This is based on the fact that most of the time, you will not have to pay a deductible unless you are at fault in an accident and there is damage to your own car.

So, choosing to go with a deductible of $1,000 instead of $500 could be difficult to deal with if you are at fault in an accident, but it would be a lot easier to afford than the $50,000 you could face if your liability limits are too low. Often, doubling the amount of you deductible will allow you to keep your car insurance premium the same while increasing your coverage.

Once you have determined what your car insurance needs will be, it is important to ask around to find the right company and agent for you. Price should be a consideration, but you should also check into their reputation for handling claims promptly. Some insurance companies also offer discounts for multi-policies held by the same person, so consider having your home or life insurance through the same company as your car insurance.

About the Author

Dennis runs Car Dealer Check which has reviews on Wisconsin Car Dealers including Milwaukee Car Dealers.

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Classic Car Insurance: Coverage to Protect Precious One

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Classic cars are generally considered as unique article to treasure. It is very difficult for everyone to manage a classic car because classic car needs a lot of care and it also needs extra safety. Classic car has always been the center of attraction for all people. Classic cars always attract people toward it. Therefore, the danger of theft is large with classic car. But classic car insurance is the way by which you can keep your classic car free from all these problems.

The classic cars are those cars which are older than 15 years and generally not found in the market. Cars which have manufacturing date prior to 1903 also come under the group of classic cars. Classic cars are considered for the use of some extraordinary occasions like marriage. Classic cars are not allowed by the insurance provider for the daily use of office or any other purpose.

Classic car insurance coverage is different from other car insurance. Coverage given in classic car insurance is dependent upon the amount of miles that how long the classic car is driven. But generally classic car insurance can cover both comprehensive coverage and third party coverage.

The coverage of classic car insurance is not wide like general cars. The covered classic car must be used mainly for club activities and for personal pleasurable driving. Classic car can not be used frequently for all purposes. The annual mileage of classic car may not exceed 2500 or 5000 miles. No coverage is given while driving to and from work place, school etc.

Insurance quote of classic car can be availed online. Now insurance providers have put all their information related to various cars insurance including classic car insurance on their web sites. All these information can be obtained very easily just by going to these sites of various insurance providers. Thus you can collect as many quote of classic car insurance as you want. From various quotes collected you can select one, suitable classic car insurance, and buy it for yourself.

Sometimes even quotes of classic car insurance contain some restrictions in the mode of storage of classic car. The classic car must ordinarily be stored in a completely enclosed, locked garage which can be accessed either by you only or your family members. In case of any change in classic car, full details of change must also be submitted with insurance provider.

About the Author

Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is an MBA(finance) from University of Oxford. endeavors to find the best possible deals for its customers. To find Travel insurance online, Classic car insurance, Car insurance broker, Car insurance quote, Home insurance visit

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Used Cars Need Insurance Too

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Automobile insurance is a tough aspect of life that many people would rather do without. They would rather do without auto insurance right up until the moment that their insurance covers the costs, or a large percentage of the cost, when they get into an accident. Insurance is designed to prevent against losses incurred as a result of traffic accidents, so it does its part to save the insurance holder and the accident victim a whole lot of strife. In the end, you will be glad you have automobile insurance.

Car insurance is one of those facts of life we would rather not discuss, but is just plain necessary. There are many kinds of coverages offered by car insurance companies. We are always looking for smart ways to save on our auto insurance each year. I have found that buying used cars is the smart way to buy a vehicle. One of the best reasons for buying a used car is to save a good amount of money on car insurance coverage.

If you drive a used car it is very possible that you are paying less money for car insurance. An insurance company bases much of your insurance rate on the value of the car, and the fact of the matter is, a used car is less valuable and therefore carries a lower premium with insurance companies. Some drivers of used cars choose not to carry comprehensive car insurance to save some money. They can do this because the overall value of their car is less than a brand new car, and fixing minor damage while the car was stationary is less devastating than a crash. However, collision insurance is a must for all drivers on the road.

Looking for cheaper rates many drivers are turning toward online insurance carriers. In fact, finding a rate online can be painless, reliable, and save money all at once. The accessibility of online insurance is convenient; being able to file a claim at any time of day helps with peace of mind after an accident. Online insurance companies take into account factors like: the type of car you drive, where you live, your driving record, and estimated driving habits; and they create a guaranteed rate right their on the spot and show you different options for coverage.

Along with looking online for automobile insurance, there are other things you can do to get low car insurance rates to come your way. The top tip that most experts offer is to shop around. Look online, offline and everywhere in between for the best low car insurance rates. Another idea is to make sure that all of the vehicles you will be insuring are located on the same policy. This is a good idea because it enables you to save up to or around ten percent per car through "multi-vehicle" discounts. An idea along these lines that some companies also offer is the "multi-line" insurance, meaning that if you insure your home and your car with the same company, you will end up with a discount on both pieces.

There are many opportunities to save money on your automobile insurance if you look in the right places. You can choose a higher deductible, for example, and save a good amount of money on your car insurance through that route. You can also drop collision altogether if you have an older car, enabling you to cut some fiscal corners and bring down your overall rate. The best option for saving money on your automobile insurance is, however, to not end up using it by driving safely.

About the Author

Jake Newberry sells for NuStar Motors, a used cars Sacramento dealer, which specializes in lifted 4x4 trucks and fast cars such as used Mustangs, Cameros, and Honda V-techs.

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How to Find the Best Auto Insurance Companies

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Shopping for auto insurance? Looking for the best auto insurance companies with the best rates? Here's how to find them.

Finding the Best Auto Insurance Companies

Finding an auto insurance company that will be there when you need them and will pay your claims on time is an important consideration when it comes to buying auto insurance.

A company's financial strength is a good indicator of their ability to pay claims, and there are two websites where you can go to check out their financial status:

Standard and Poors ( - This website provides profiles and financial strength ratings of more than 4,000 companies.

A. M. Best ( - This website provides financial ratings and reports on the overall condition of insurance companies.

These websites are great if you want to know how solvent a company is and how credit worthy they are, but if you want the inside scoop on how well they pay their claims and how good their customer service is, I recommend going to the following websites:

Epinions ( This website provides ratings and reviews of various companies by their customers. Reviews range from, "Great agents all over the country." to "Buyer beware! Company is a fraud candidate for misrepresentation of their clients." If you want to find out how customers have been treated and what their claims experience has been, this is the place to go.

Your state's department of insurance website - Most state insurance departments maintain websites that have a consumer complaint department where you can find out how many claims have been filed against a particular company. If your state doesn't provide this information, you can go to California's website - - to get it. Just click on "Consumers," then "Studies and Reports," then "Consumer Complaint Study" to see the complaints filed against a particular company.

Best Auto Insurance Rates

Comparing quotes from different companies is the only way to know if you're getting the best auto insurance rate.

Visit or click on the following link to get auto insurance quotes from top-rated companies in your area and see how much you can save. You can get more car insurance tips by checking out their "Articles" section.

About the Author

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to find the best auto insurance companies.

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You Can Laugh at Money Worries - If You Gain These 7 Simple Skills

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Worrying about your finances can be very draining on you and your family. However, there are a few basic skills, if mastered, can transform your finances and your life.

Personal finance and business finance are based on the same principles - only the scale is different. Let's see how business control their finances and apply it to your finances with 7 simple skills.

Skill #1. Learn Where Your Money Goes (Business controls its spending)

This skill is a very easy one to master, all it needs a little discipline. Just get a little diary, keep it with at all times and enter each spending transaction into it for a whole month. Do not leave anything out. Every coffee bought while you were out, every bought work lunch, every magazine and every item of clothing. Look at it and see where your funds are really going. Then think what you could have done without. If it was a work-day Starbuck's Coffee (say $5) - that's worth $1,000 per year! What you could you do with that? That's a short resort holiday or you could put it aside for emergencies.

Once you have the months' spending list, then group the items into categories. You could use Food, Clothing, Transport, Rent/House Payments, Medical and Car Payments etc.

Skill #2. Learn How Much You Really Have to Spend (Business knows what it has available to spend)

This is a little harder - but not much. List out your take-home pay (total income less taxes). Then take off your monthly payments such as house/rent, car, life insurance, credit card and medical insurance. The balance should be what is left to spend.

Skill #3. Learn How to Set Savings Goals (Business sets targets)

Once you have mastered Skills #1 and #2 it's time to sit down and think about what you really need to save for. Is it the kid's education? Is it a holiday for the family or yourself? Is it to set some money aside for retirement? Or, is it to replace the car, furniture or washing machine?

Look at your results in Skills #1 and #2. How much do you have left after taking your spending from your income? Is there anything left over? What happens if there was a spending emergency? What would happen if there was a major car repair cost? What happens if your fridge or washer dies? You need to set aside something each month to cover these events.

Skill #4. Learn How to Live Within Your Means (Business cannot spend more than it can repay)

If the results of Skills #1 and #2 shows that you are spending more than your income whose money are you really spending? It is the bank's or the Credit Card Provider's money. That money has a cost. It's the interest. That is one reason you need help now.

There are only two parts to this puzzle. Money in and money out. The trick is to make more or spend less, or a combination of both. Since it is easier to spend more that to earn more, let's look at some painless ways to spend less.

1. Don't buy things just because they are on sale - only buy when you really need them.

2. Think twice (or even three times) before spending on frivolous items

3. Think twice before you make that mobile phone call. Is it REALLY necessary?

4. Wait for things to go on sale. Usually there is no immediate need to buy many items.

5. Eat at home more often. 1 meal a week eaten at home, not out, could save you $750 per year.

6. Make your work lunch instead of buying it each day. This could save you up to $2,000 per year!

7. Stay busy - start a hobby, improve yourself by reading at the library - anything to keep you from shopping at the mall.

8. Buy clothes from discount shops rather than large up-market retailers. 9. Let your kids take the bus to school rather than driving them.

10. Try to eat natural foods rather than processed foods. You'll save money and stay more healthy.

11. Stop smoking. What a waste of money! It costs you money and it can harm your health.

12. Apply as much spare cash as you can to pay down your credit card debt quickly.

Now, how can you increase your cash coming in?

1. Improve you job/career prospects by taking a course, read books to enhance your work skills at the library.

2. Take online surveys. Check them out on the Internet.

3. Learn how to create your own website. Make your hobby pay for itself.

4. Clean out those items you no longer need. Fill up your car trunk and take them to a weekly or monthly market. You'll be surprised how much people will pay.

Skill #5. Learn How to Develop a "Savings" Mindset (Business only purchases at the best price)

Tell yourself from now on you're not paying full price again for anything. Not clothes, not furniture, not white goods, not car repairs, not insurances, not phones - not even food. Once you set your mind to it, you will find many ways to make this happen. It only needs the will. These tips will help:

1. When buying expensive items play off one store against another. Ask for the lowest price from one store then get the other one to better it. Do this a few times and you'll be surprised how much they can really cut the price!

2. Don't buy clothes at the height of the fashion. Find clothes that mix and match well.

3. Learn a little about how your car works. Don't just take your car to the repairer and say "fix it". Try to narrow down the problem yourself first. Get a couple of quotes.

4. Competition is a wonderful thing. There are always providers of services out these that are ready and willing to beat a competitor's price. This will work for phones (fixed and mobile), insurances, computers, software, car finance and house finance. Make sure the quality is to your standards though.

Skill #6. Learn How to Bargain and not Accept Paying Full Price Again. (Business needs to negotiate prices)

Always ask "What is your best price?" Don't ask "Is that your best price?" Be ready to tell the salesperson the best price you've received from their competition. Then ask the question again, "What is your best price?" Walk away if the price is not to your satisfaction. This is best used on white goods, furniture and vehicle salespeople.

Don't get too stuck on a specific brand or model. Look at all your options.

You can also look for the type of product you require on Ebay. Check their prices and use them to your advantage.

Skill #7. Learn How to Put Your Own Finance Plan in Place - and Stick to it. (Business needs a plan and commits to it)

Now that you have a few more skills to control money in and money out it's time to commit to a budget that will meet your savings and spending needs.

Find a budget plan system that satisfies your requirements. (You can find them on the Internet). Make sure the one you choose it lets you set your goals, checks your ability to meet those goals and then tracks your progress monthly towards those goals. Also, make sure it is good value for money. One system that satisfies all these requirements is "5 Steps to Freedom" Personal Budget. You can learn more by clicking on the links below or clicking on the Author's Profile.

If you learn these skills and put then into practice, you can truly "Laugh at Your Money Worries".

About the Author

Bruce Hokin has designed a simple budget tool called 5 Steps to Freedom Personal Budget. It's based on his extensive background as a qualified, experienced accountant, manager, consultant and financial adviser. You can download this powerful budget assistant today and be hon your way to financial freedom within the hour. It is available at his website

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Cheap Car Insurance Quotes - How to Find Them Online

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When was the last time you changed car insurance companies? If you're like most people, it's been many years. We tend to choose an insurance company and then stay with it forever. But as with purchasing any product, you need to shop around if you want to find the cheapest car insurance quote. Here's how to do it the easy way.

Decide What You Want

Fortunately, the Internet makes it easy to find cheap car insurance quotes. However, before you start completing forms and comparing quotes, you should first:

* Decide what coverage limits you want. Most states have minimum limits you need to meet. You can go to your state's Department of Insurance website to find out what the limits are in your state.

* Decide if you want comprehensive and collision coverage. Collision coverage pays to repair or replace your car after an accident, while comprehensive coverage pays if your car falls victim to a natural disaster, vandalism, or theft. However, both cover only up to the Blue Book value of your car. If your car is over five years old, you may want to drop these coverages altogether.

* If you want comprehensive and collision coverage, decide what deductible you want. The higher your deductible, the lower your premium.

* Think about what discounts you might qualify for. Does your vehicle have an anti-theft device? Can you put your home insurance with the same company so you get a multi-policy discount?

Shop for Quotes

Once you've decided what coverage limits and deductibles you want and what discounts you qualify for, it's time to begin shopping for insurance. Yes, you could pick up the phone and call your local agent. However, by using the Internet, you will get more cheap car insurance quotes in far less time.

While you can go directly to insurance company websites and get quotes for individual companies, you will get more quotes by going to a "comparison shopping" website. These websites let you type in your vehicle, driver, and other insurance data and get quick quotes. Some even have a chat feature where you can talk with an insurance expert online (see link below).

Bottom Line

You buy everything else online, so why not car insurance? Begin searching now to find cheap car insurance online.

Visit or click on the following link to get cheap car insurance quotes from top-rated companies in your area and see how much you can save. You can get more car insurance tips by checking out their "Articles" section.

About the Author

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on cheap car insurance quotes.

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How to Find the Best Car Insurance Companies and the Best Rates

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Average car insurance rates in the United States have declined in the last few years, but most of us are still paying $1400 to $3700 a year to insure our vehicles. With prices this high, we want to find the best car insurance companies with the best rates. Here's how to do it quickly and easily.

Find the best rates

Insurance rates can vary by hundreds of dollars from one company to another, even for the same coverage. This is why it's so important to shop around for the best auto insurance rate.

The Internet can help you quickly get rate quotes from numerous companies. You can enter all your vehicle and driving information on one form and receive instant quotes from a variety of companies.

Find the best auto insurance companies

Once you have quotes from several companies, how do you choose the best car insurance company? Your instinct might be to just grab the company with the cheapest rate. And while this might, in the end, be your choice, you need to also make sure the company is going to provide you with good service.

To evaluate insurance companies, follow these tips:

* Check your state's Department of Insurance website. Every state has a website maintained by the Insurance Commissioner that lists licensed agents and companies and each company's complaint ratio. You can select your state from the National Association of Insurance Commissioners (NAIC) website.

* Check ratings from companies such as J.D. Power and Associates, A.M. Best, and Standard & Poor.

* Evaluate each company's communication efforts. Is there a local agent you can call with questions? Is there an 800 number you can call? Is the website informative?

* Evaluate each company's payment policies. Do they offer payment plans and online payment options? What are the penalties for late payments?

By taking these steps, you'll be able to find the best rates with the best car insurance companies.

Visit or click on the following link to get the best car insurance quotes from top-rated companies in your area and see how much you can save. You can get more car insurance tips by checking out their "Articles" section.

About the Author

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on finding the best car insurance companies.

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Car Warranties

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Words counts: 554 Buying a new car warrants paying close attention to the type of warranty that comes with the vehicle. Normally, manufacturers give warranty ranging from one to ten years depending on the type of vehicle and its price. Some combine the miles along with the timeframe like one year or 50,000 miles whichever occurs first. Car warranties are extremely important because one may experience mechanical breakdowns involving repairing or replacement of defective parts. If the vehicle you are purchasing is not covered under warranty then you have to shell out money from your pocket, leading to huge amounts at rare occasions.There are different types of car warranties and it is very difficult for a common man to understand all of them perfectly. However, one has to know them thoroughly in order to resolve any issues arising out of car warranties. A bumper to bumper warranty covers all parts excluding the parts which are prone to wear and tear.Basic car warranty covers all the parts like a 'bumper to bumper' warranty excluding parts that undergo wear and tear like car tyres, break shoes, wiper oil filters, etc. Some companies offer warranties for tyres and batteries as a part of basic warranty. Certain parts like emission components require coverage to certain specified time according to federal rules.

Drivetrain or Powertrain warranties cover parts like car engine, transmission components, axles and other parts that are crucial for mobility. Generally this type of warranty excludes wear and tear parts. However, parts like bearings and pistons that are often subjected to wear and tear are also covered under this type of warranties.A Roadside Assistance is a service provided by most car manufacturers and dealers to help you in case you get stranded with your car due to some mechanical problems. Whenever you encounter such problems mid-way during your journey inform a nearby dealer, who will send a break down vehicle with required accessories.All these manufacturers' warranties expire once the coverage period is over. Who will pay for the maintenance and replacement of spares after the expiry of manufacturer's warranty? These are the questions often arising in the mind of every car buyer. Extended car warranties and third party car warranties come into rescue in such situations.Normally, extended car warranties are provided by the dealers or any warranty companies. These companies offer various plans to cover new as well as used cars. Extended car warranties work like an insurance coverage. Whenever there is an unforeseen expenditure to your car, you don't have to dip in your packet, extended car warranty will take care of it. You have to purchase an extended warranty for your car when the manufacturers warranty expires. Some extended car warranties work like service contracts covering only labor charges, and you may have to pay for the parts if any replaced.

In majority of the cases all major repairs occur after the expiry of manufacturer's warranty. Before buying an extended warranty for your car, you need to consider following factors. Whether the extended warranty covers normal wear and tear failures, whether tubes and gaskets are covered under such warranty, whether malfunctioning and damages of parts due to overheating is covered, whether any deduction is allowed, whether you can repair your vehicle at any repairing shop and then make your claims with the claim administrator.

About the Author

Frank Ragano writes for where you can find | Furl | Technorati |

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Top 10 Tips for booking Glasgow Airport car hire

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Choosing a car hire company seems to be a bit hit and miss. Some people have their own tried and tested favourites but are they getting the best on offer? Others just don't know where to start. In either case a helping hand would not go amiss. Pre-booked car rental direct from the airport terminals is actually very easy. These top ten tips will help you to cut down on the time and effort finding and choosing the best Glasgow Airport car rental company for your needs.

1.Book the right vehicle for your needs When booking you should make sure that you have opted for the type of vehicle which is most suited to your requirements, i.e., 4-wheel drive, people carrier or nippy runabout. You will need to pre-book child seats, booster seats, ski racks or roof racks and bear in mind you will need to put the luggage somewhere, so check your choice of car will allow for this.

2.Stick to the truth It is important to be honest with your chosen car hire company. Some companies impose age restrictions or surcharges for drivers under 25 or over 65 - and do come clean about endorsements otherwise your insurance may be held invalid in the case of a claim.

3.Check the Glasgow car hire small print Always read the terms and conditions which provide information on any limited mileage, deposit for a full fuel tank, one way rentals, congestion charges, parking and traffic fines and cancellation charges. These details can normally be easily found on the individual car hire company web sites. Keep reading for details of where to find these companies all in one place.

4.Car hire Glasgow opening times Check that your chosen car hire company is open 24/7 at the terminal and that there is a key drop facility for returns in case you are running late.

5.Check for damage When collecting your car, check around the vehicle for damage and get a signature from the Glasgow Airport car rental company acknowledging any damage you may find.

6.Confirm fuel Ensure you know what type of fuel your vehicle takes, it is not always obvious, and can result in a catastrophe if you fill the car up with the wrong juice!

7.Pre-Departure Checks Check and mark down the fuel gauge and mileage readings before you set off. Most Glasgow Airport car hire companies will request that you return the vehicle with the same fuel the car had in the tank when you collected the vehicle and mileage restrictions are often detailed in your terms and conditions.

8.Don't Get Lost! On arrival at the Airport, the companies offering car hire can be found in the main Terminal Building. Ask for a map for your journey, all good hire car companies will supply them.

9.Book in Advance for Early Bird Discounts It is definitely advantageous to book in advance, this will get you the best rates in comparison to just turning up on the day. Some companies also offer early booking discounts - so get on the case as soon as you have confirmed flight details.

10.Search Online for Glasgow Airport Car Rental A large number of companies offer Glasgow Airport car hire, so finding and choosing the best one for your needs can be time consuming. The internet has helped to cut down the research time, and websites such as the Glasgow Airport Information site provides information on Glasgow Airport car hire all in one place, putting an end to trawling through the internet looking for what you want. The Glasgow Airport Information website enables visitors to access the top car rental suppliers, helping visitors to compare the cars and prices on offer and find the best deals available.

All you need to do now is follow these simple steps for a hassle free route to searching and booking your Glasgow Airport car rental.

About the Author

Bethanie Ashley is a frequent traveller keen to pass on time and money saving advice to others. Further useful information such as how to get to the airport, public transport, and for booking and paying for airport lounges, car rental, airport parking, can be found on the Glasgow Information.

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Compare Car Insurance

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It's always been a good idea to compare car insurance discounts, excess amounts and cover before you buy. But recently, some of the biggest insurance companies have started to identify customers who are "sticky" - people that do not move their business when premiums rise. This means that people who regularly change insurers will get lower renewal quotes than people that don't. In effect, loyal customers are penalised for their loyalty - just like the preferential "new customers only" deals offered by banks. Not taking the time to compare car insurance will cost you...even if you are keen to remain with your current car insurer for reasons other than price, having a few competitive quotes in hand can help you negotiate a better deal on your renewal premium.

This is not an exhaustive list, but here are some tips from TheRateTart to bear in mind when you compare car insurance providers. By making changes in a few areas you could save yourself a lot of money.

Fully Comprehensive Car Insurance is the option chosen by the majority of car owners. This cover ensures that repairs will be paid for no matter who was to blame for an accident. So if you were to blame for an accident or if the other person was not insured, you do not need to pay out anything other than the excess amount. This also means that the risk to the insurer of having to pay out more in claims is higher, so premiums are highest for comprehensive insurance.

If your car isn't very valuable, it may be worth considering "Third Party" or "Third Party, Fire and Theft" insurance.

Third Party Insurance provides cover for the cost of repairing other cars if you are in accident for which you are to blame and is the minimum legal level of car insurance in the UK. This cover is cheaper because any damage to your own vehicle is not covered by the insurance company. But any damage to your car may have to be paid for by you.

Third Party, Fire and Theft adds in cover in case your car is stolen or if someone sets fire to it. This cover still may not pay for damage if your car is involved in an accident that was your fault.

As ever, check the terms and conditions to find out exactly what is and is not covered.

Before you buy a new car, work out what insurance group it is in, and get two or three quotes to make sure that you can afford the insurance. If you already have a high risk car, check to see whether fitting alarms, tracking devices or going on an advanced driving course would reduce your premium.

Find specialist providers if you need to compare performance car insurance or compare classic car insurance. Firms that specialise in these cars will often be able to offer a lower quote than a mainstream car insurance firm.

The post-code lottery is frequently used to describe variations in quality of public services between different areas. The 'quality' of your post-code as perceived by the car insurance companies can also make a big difference to your premiums, even if you have an impeccable driving record. If you are moving house consider checking with your car insurance company how your new post-code is rated.

Having off-street or in a garage, and fitting an approved car alarm and immobiliser can help reduce the effects of living in a higher risk area. Whatever you do don't lie about where the car is kept. If you need to make a claim insurance companies will always check this out. If you get caught out you may find it difficult or impossible to obtain car insurance in future.

Consider getting quotes from the specialist car insurers who focus on the needs of specific driving groups. Students, young drivers, women and the over 50s have all been targetted by insurers wanting to provide competitive quotes.

How much and how well you drive affects your car insurance premium. If you drive 50,000 miles a year, have nine points on your license and made numerous claims, your insurer might consider you a higher risk than your neighbour who drives 3,000 miles a year. Having multiple drivers with different risk profiles could also drive up your premiums.

Excess is a fixed amount payable by the insured (i.e. you) rather than the insurer (i.e. them) from any claim. If you have an excess of £100, and you have an accident that costs £1000 to repair, this means that your insurer will pay £900 of the claim and you the remaining £100. The majority of insurers will impose a compulsory excess on any policy. Increasing the amount of excess payable ('voluntary excess') could result in a significant reduction to your premium.

Your no claims bonus. Protect it well. A driver with six years of mishap free motoring could be in line for a 65% discount on the premium. Many car insurers will now allow you to pay an additional amount to protect your no claims bonus in the event that you need to claim. provides comparison tables containing the best offers on the market. We provide a host of information to enable you to compare car insurance discounts from the leading UK insurers, plus a number of niche providers. In addition you can read our detailed car insurance guide to learn how to reduce your home insurance quote.

Last but not least, to ensure you don't get caught out at renewal time, remember to use the free reminder service at You can set up an email alert to remind you shortly before the renewal date so that you have time to compare car insurance quotes and get another great deal.

About the Author

David is well known author who writes on online trading, insurance, broadband and much more. Theratetart is providing comparision service at one center. For more information visit

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DTN Mortgage- Home Loan Mortgages Explained

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What should I know before buying a home?

Here are some tips that could save you a lot of time, money and trouble.

Plan ahead. Establish good credit and save as much as you can for the down payment and closing costs. Get pre-approved online before you start looking. Not only do real estate agents prefer working with pre-qualified buyers; you will have more negotiating power and an edge over homebuyers who are not pre-approved. Set a budget and stick to it. Know what you really want in a home. How long will you live there? Is your family growing? What are the schools like? How long is your commute? Consider every angle before diving in. Make a reasonable offer. To determine a fair value on the home, ask your real estate agent for a comparative market analysis listing all the sales prices of other houses in the neighborhood. Choose your loan (and your lender) carefully. For some tips, see the question in this section about comparing loans. Consult with your lender before paying off debts. You may qualify even with your existing debt, especially if it frees up more cash for a down payment. Keep your day job. If there is a career move in your future, make the move after your loan is approved. Lenders tend to favor a stable employment history. Do not shift money around. A lender needs to verify all sources of funds. By leaving everything where it is, the process is a lot easier on everyone involved. Do not add to your debt. If you increase your debt by financing a new car, boat, furniture or other large purchase, it could prevent you from qualifying. Timing is everything. If you already own a home, you may need to sell your current home to qualify for a new one. If you are renting, simply time the move to the end of the lease.

How Much House Can I Afford? How much house you can afford depends on how much cash you can put down and how much a creditor will lend you. There are two rules of thumb:

You can afford a home that's up to 2 1/2 times your annual gross income.

Your monthly payments (principal and interest) should be 1/4 of your gross pay, or 1/3 of your take-home pay.

The down payment and closing costs - how much cash will you need? Generally speaking, the more money you put down, the lower your mortgage. You can put as little as 3% down, depending on the loan, but you'll have a higher interest rate. Furthermore, anything less than 20% down will require you to pay Private Mortgage Insurance (PMI) which protects the lender if you can't make the payments. Also, expect to pay 3% to 6% of the loan amount in closing costs. These are fees required to close the loan including points, insurance, inspections and title fees. To save on closing costs you may ask the seller to pay some of them, in which case the lender simply adds that amount to the price of the house and you finance them with the mortgage. A lender may also ask you to have two months' mortgage payments in savings when applying for a loan. The mortgage - how much can you borrow? A lender will look at your income and your existing debt when evaluating your loan application. They use two ratios as guidelines:

Housing expense ratio. Your monthly PITI payment (Principal, Interest, Taxes and Insurance) should not exceed 28% of your monthly gross income.

Debt-to-income ratio. Your long-term debt (any debt that will take over 10 months to pay off - mortgages, car loans, student loans, alimony, child support, credit cards) shouldn't exceed 36% of your monthly gross income.

Lenders aren't inflexible, however. These are just guidelines. If you can make a large down payment or if you've been paying rent that's close to the same amount as your proposed mortgage, the lender may bend a little. Use our calculator to see how you fit into these guidelines and to find out how much home you can afford.

Why Should I Refinance? If you have a low 30-year fixed interest rate you're in good shape. But if any of these Five Reasons applies to your situation, you may want to look into refinancing.

1. Decrease monthly payments. If you can get a fixed rate that's lower than the one you currently have, you can lower your monthly payments.

2. Get cash out of your equity. If you have enough equity you can get cash out by refinancing. Just decide how much you want to take out and increase the new loan by that amount. It's one way to release money for major expenditures like home improvements and college tuition.

3. Switch from an adjustable to a fixed rate. If interest rates are increasing and you want the security of a fixed rate, or, if interest rates have fallen below your current rate you can refinance your adjustable loan to get the fixed rate you're looking for.

4. Consolidate debt. You can refinance your mortgage to pay off debt, too. Simply increase the new loan amount by the amount you need and the lender will give you that cash to pay off creditors. You'll still owe the lender but at a much lower interest rate - and that interest is tax-deductible.

5. Pay off your mortgage sooner. If you switch to a shorter term or a bi-weekly payment plan, you can pay off your home earlier and save in interest. And if your current interest rate is higher than the new rate, the difference in monthly payments may not be as big as you'd expect.

Is refinancing worth it? Refinancing costs money. Like buying a new home, there are points and fees to consider. Usually it takes at least three years to recoup the costs of refinancing your loan, so if you don't plan to stay that long it isn't worth the money. But if your interest rate is high it may be smart to refinance to a lower interest rate, even if it is for the short term. If your mortgage has a prepayment penalty, this is another cost you will incur if you refinance.

Use the reasons above as a guideline and determine whether or not refinancing is the right thing to do. You can also use our refinance analysis calculator to help you decide.

What Are the Costs of Refinancing? Here's what you can expect to pay when you refinance:

The 3-6 Percent Rule Plan to pay between 3% and 6% of the amount of the new loan amount (if want cash-out, the loan amount will be larger). Yet some lenders offer no-cost refinancing in exchange for a higher rate.

Getting to the Points Points play a big part in how much it'll cost to refinance - the more points you pay, the lower your interest rate. Points are a good idea if you're planning to stay in your home for a while, but if you'll be moving soon you should try to avoid paying points altogether.

Negotiate the Fees Be aggressive and investigate the fees your lender is asking you to pay. You may not need an appraisal, or your loan-to-value may be such that you no longer need Private Mortgage Insurance. Sometimes if you refinance with your current lender they won't need a credit report. With a little research it's amazing how much you can save.

Here, we've explained the different loan refinancing fees.

Application Fee: This covers the initial costs of processing your loan application and checking your credit.

Appraisal Fee: An appraisal provides an estimate or opinion of your property's value.

Title Search and Title Insurance: A Title Search examines the public record to discover if any other party claims ownership of the property. Title Insurance covers you if any discrepancies arise in ownership. (A reissue of the title can save 70% over the cost of a new policy.)

Lender's Attorney's Review Fees: In any financial transaction of this scope, a lawyer's participation ensures that the lender isn't legally vulnerable. This fee is passed on to you.

Loan Origination Fees: This is the cost of evaluating and preparing a mortgage loan.

Points: These are basically finance charges you pay the lender. One point equals 1% of the loan amount (for example, one point on a $75,000 loan is $750). The total number of points a lender charges depends on market conditions and the loan's interest rate.

Prepayment Penalty: Some mortgages require the borrower to pay a penalty if the mortgage is paid off before a certain time. FHA and VA loans, issued by the government, are forbidden to charge prepayment penalties.

Miscellaneous: Other fees may include costs for a VA loan guarantee, FHA mortgage insurance, private mortgage insurance, credit checks, inspections and other fees and taxes.

How to Save Money Refinancing:

Research all costs and fees.

Don't be afraid to negotiate with your lender.

Shop around for the lowest rates.

Check with your current lender for lower rates with costs that are reduced or waived.

What Kinds of Mortgages Are Available?

Fixed-Rate Mortgage - interest rates and monthly payments remain unchanged for the life of the loan Adjustable-Rate Mortgage - interest rates and monthly payments can go up or down, depending on the market Hybrid Loans - a combination of fixed and adjustable mortgages · How do you decide which loan is best? These questions may help.

How much cash do you have for a down payment? What can you afford in monthly payments? How might your financial situation change in the near future and beyond? How long do you intend to keep this house? How comfortable would you be with the possibility of your monthly payments increasing?

What is a Fixed Rate Mortgage? This is the most common loan arrangement in the U.S. With a fixed-rate mortgage the loan's principal and interest are amortized, or spread out evenly, over the life of the loan, giving you a predictable monthly payment.

The upside is, if rates are low, you can lock in for as long as 30 years and protect yourself against rising rates. However, if rates fall you can't change your rate without refinancing the loan and that could cost money.

The 30-year Fixed-Rate Mortgage, the most popular and easiest to qualify for, will give you the lowest payment. But you can also get a 20-, 15- and even a 10-year fixed-rate mortgage if you wish to save interest and pay your home off sooner.

What is an Adjustable Rate Mortgage? With Adjustable-Rate Mortgages (ARMs) interest rates are tied directly to the economy so your monthly payment could rise or fall. Because you're essentially sharing the market risks with the lender, you are compensated with an introductory rate that is lower than the going fixed rate.

How often does the interest rate change? That depends on the loan. Changes can occur every six months, annually, once every three years or whenever the mortgage dictates.

How much can my rate change? Your ARM will stipulate a percentage cap for each adjustment period, which means your interest may not increase beyond that percentage point. If the market holds steady, there may be no increase at all. You may even see your payment decrease if interest rates fall.

How are the changes determined? Every ARM loan is tied to a financial market index, such as CDs, T-Bills or LIBOR rates. Your rate is determined by adding an additional percentage (known as a margin) to that index's rate. When the index rises or falls, your rate rises or falls with it.

Is there a limit to how much interest I'll be charged? Yes. It's called a ceiling, or lifetime cap. This is a guarantee that your interest rate will never exceed a designated percentage. For instance, if your introductory rate was 5% and you have a lifetime rate cap of 6% (meaning that your interest rate can never increase more than 6% during the life of the loan) then your ceiling would be 11%.

What are the benefits of an ARM?

' With a lower initial interest rate (usually 2% to 3% lower than fixed-rate mortgages), qualifying is easier and the payments are more manageable at first. ' You may qualify for a larger loan than you would with a fixed-rate mortgage. ' If you're only planning to stay a short time the interest rate is likely to stay lower than that of a fixed-rate mortgage. ' If you expect regular pay increases that would cover the increase in your interest, or if you believe interest rates will fall, an ARM might be the wiser choice. · A few words of caution:

Negative Amortization -This happens when a lender allows you to make a payment that doesn't cover the cost of principal and interest. Watch for this, it may be used as a lure to get you into a home with the promise of low initial payments. Or, a lender may give you a payment cap instead of a rate cap. In this mortgage arrangement, if interest rates increase, your monthly payments could stay the same - but the higher interest will still be charged to your loan, adding to it instead of reducing it. Either way, if you find yourself with a negative amortization ARM, you'll be adding to your debt.

Discounted interest rates - Sometimes a lender will advertise an unusually low initial rate. This is a discounted rate, and it's essentially a marketing tool. If your ARM offers a discounted interest rate you are certain to see an increase at your next adjustment period, even if interest rates don't change.

What is a VA Loan? Administered by the Department of Veterans Affairs, these special loans make housing affordable for U.S. veterans. To qualify you must be a veteran, reservist, on active duty, or a surviving spouse of a veteran with 100% entitlement.

A VA loan is simply a fixed-rate mortgage with a very competitive interest rate. Qualified buyers can also use a VA loan to purchase a home with no money down, no cash reserves, no application fee and reduced closing costs. Some states allow a VA loan for refinancing as well.

Many lenders are approved to handle VA loans. Your VA regional office can tell you if you're qualified.

What is a FHA Loan? FHA loans are designed to make housing more affordable for first-time home buyers and those with low to moderate income.

Both fixed- and adjustable-rate FHA loans are available, and in most states, an FHA loan can be used for refinancing. The difference is, they're insured by the U.S. Department of Housing and Urban Development (HUD). With FHA Insurance, eligible buyers can put down as little as 3% of the FHA appraisal value or the purchase price, whichever is lower. Qualifying standards are not as strict and the rates are slightly better than with conventional loans.

You can read the entire article at:

About the Author

Steven J. Murray, CEO Contact:

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Auto Insurance Comparison Shopping - Best Rates and Best Companies

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Comparison shopping on the Internet has become a worldwide phenomenon. In just minutes you can compare products and prices in virtually any category. Here's how to go auto insurance comparison shopping and find the best rates and the best companies.

Auto Insurance Rate Comparisons

When it comes to auto insurance rate comparisons you need to get quotes from a variety of different companies to make sure you're getting the best rate. Single-company websites run by large insurance companies only give you their quotes, and even the ones that say they give you comparisons from other companies may only give you one or two quotes.

In order to get the best auto insurance rate for your situation you need to go to an insurance comparison website where you can get quotes from a number of different companies. These sites have you fill out a questionnaire where you can enter the deductibles and discounts you want so you'll get their cheapest rate.

The better sites have two features that will help you with your auto insurance rate comparisons: 1. An "Articles" or "Advice" section where you can get money-saving tips and other information on auto insurance. 2. A chat feature where you can ask an insurance expert questions about auto insurance. (See link below.)

Auto Insurance Company Comparisons

After you choose a company, you need to make sure they're reputable and will pay your auto insurance claims. My favorite sites to check up on auto insurance companies are:

* State insurance department websites - Every state has a website run by their insurance commissioner that lists agents and companies. Here you can find complaints filed against companies to see which ones have the fewest.

* website - This site has a product rating and review guide for everything under the sun, insurance companies included. Here you can get inside information - ratings and reviews - from actual company customers.

Bottom Line

When it comes to auto insurance comparison shopping, using the Internet is a real no-brainer. It's quick, it's efficient, and it's easy. Why not visit one now and see how much money you can save?

Visit or click on the following link to get auto insurance comparison quotes from top-rated companies in your area. You can get more car insurance tips by checking out their "Articles" section.

About the Author

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on auto insurance comparison shopping.

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The Three Aspects of Auto Insurance That You MUST Consider BEFORE Buying (Or Regret It Later!)

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Before you start shopping for your auto insurance quotes it can seem like a daunting prospect. So much choice, so many companies clamouring for your attention. So where do you start, and what three aspects MUST you consider before buying? Well, the first key is to realise that shopping for auto insurance is not just about price. There are several key components to consider before you put your money on the table and get your car properly covered.

Three aspects of auto insurance that you should examine separately are:

1/ Liability Insurance which helps you tide over various financial burdens in the event of any accident.

2/ Body coverage - This is a sub-category of liability insurance, and covers any claims by the other party for medical expenses in case of a car accident where you are found to be at fault.

2/ Property damage cover - This is a sub-category of liability insurance, and covers any claims of damage to vehicles, buildings, or other property caused by an accident where you are found to be at fault.

Typical minimums that you might get with these three components can vary a great deal based on two main criteria. These are the insurance company in question, and which state you are in. As different States have different rules as to the minimum requirements for cover. So, before you look at buying any auto insurance make sure that you question the different companies that you are considering (either on the telephone or email) about their respective cover in these different areas, and then assess which numbers make sense to you.

Auto insurance companies also offer optional coverage such as medical payments, collision, comprehensive, and uninsured and under-insured motorist's bodily injury coverage. So ask about those options as well.

Auto Insurance Bodily Injury (BI) Liability and Property Damage (PD) coverage is Legally required in most states today. There are several types of auto insurance policies to choose from that will depend on the coverage you want and the coverage you can afford. You need to regularly review your auto insurance coverage to make sure that you are receiving the best insurance value for your money. But just be sure that you consider the three aspects in full, and question your prospective insurance provider about them BEFORE buying.

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Want more information about getting Free Instant Auto Insurance Quotes? Then visit and classic car insurance quotes and resources to save YOU money!

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How To Look For (And Get!) A Cheap Car Insurance Price Quote In America

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It is a fact that the cost of auto insurance is increasing day by day, just at the the same time as the number of people searching for cheap car insurance price quotes is also rising exponentially. A double edged sword indeed! When it comes to securing cheap auto insurance, your choices are vast, with hundreds of different insurance companies trying to woo you with the best possible rates and quotes, and sometimes it can all seem a little overwhelming. Fortunately, one of the best places to get the information you need is through searching online.

A good place to start with online resources is to compile a list of the different insurance companies available to learn in detail what the various insurers have to offer and what their comparative rates are. When you wheel and deal directly with auto insurance companies, the "middleman" is taken right out of the equation, and this helps a company keep their rates as low as possible. In this way the internet has really promoted competition between the different auto insurance companies, and helped to keep the rates lower. It is however important not to confuse price with reliability. Both are important considerations. A reliable auto insurance company is one that has a good reputation of paying or settling claims in the fastest time possible and pays the correct amount on your claim. Bargain auto insurance is no good to you if the company refuses to pay when you have problems down the track!

After you've found a quote that you like, and done your due diligence on the reliability of the company concerned, purchasing auto insurance online allows you to either accept the quote right then and there. Alternatively, you can opt to receive the rate provided in the mail. The first option is obviously quicker, but some people prefer getting quotes sent out in a traditional way, and either option is fine.

Probably the most difficult choice will be which online auto insurance provider to choose from in order to receive your free quotes in the first place. One of the key advantages of getting online auto insurance quotes in the first place though (as opposed to over the phone) is the fact that you can collect your thoughts in the privacy of your home or office before you talk to an insurance company representative. So there is no need to feel flustered or somehow pressured to buy. Instead you can consider your insurance options calmly and in your own time.

Looking at the potential auto insurance cover itself there are many different factors to consider. To begin with, the main aspect of auto insurance that really comes into play when you have an accident involving other people and/or property is the liability coverage and/or bodily injury protection. So it is important to assess those carefully. Some of the other components of auto insurance cover are property damage liability, medical payments coverage, uninsured or underinsured motorist coverage, comprehensive cover, and collision coverage.

How important these different components are though will depend on your individual circumstances, and also where you live. For example, according to California auto insurance law, a driver requires a minimum policy of $15,000 bodily injury coverage per person, $30,000 coverage for all bodily injured people, and $5,000 property damage coverage for a single accident. (Though these figures obviously can change, and vary State to State, so make sure to check yourself before taking out any policy)

Many websites and advocates of insurance recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. Florida state minimum insurance is Personal Injury Protection and Property Damage. Let me illustrate: If you live in a state where the minimum liability requirement is for example, $40,000, that's all the insurance will cover in a crash. So it is important to be clear on what your auto insurance does and does not cover you for, and by how much. If you don't think it is enough, then you may need to increase the level of your cover so you feel properly protected.

Another factor for you to look into before you finally settle and pay your very first premium is the financial strength rating of the auto insurance company that you are considering. This can generally be checked on a state by state basis, and I go into more detail about other strategies on the website. Hopefully though this has been a useful introduction to starting to successfully swim in the shark infested auto insurance waters!

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Want more information about getting a cheap car insurance price quote in america? Then visit our insurance center and car insurance list insurnace quote resources t

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Car Insurance for High Risk Drivers

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If someone has judged or labeled you a high risk driver because of a mistake you made, take heart. Texas Home and Auto Insurance, founded by George White in 1983, has developed the best strategies and rates when it comes to quoting car insurance for high risk drivers. While you may see many businesses on late night TV commercials claiming to have the best deals on car insurance for high risk drivers, we advise you to use extreme caution when you encounter these outfits. This is because no carrier- not even Texas Home and Auto-can instantly give you the cheapest car insurance for high risk drivers. To write a policy with maximum value and affordability takes time, especially when writing car insurance for high risk drivers.

Before we even begin our process we release an assumption: namely, that car insurance for high risk drivers is a fixed absolute on the high end of the payment scale. If you haven't encountered this already, just call around to some of our competitors. They will ask you unfair little trick questions, and the minute they peg you as "high risk" they write you a policy with high premiums that remain high until your early thirties. On the other hand, at Texas Home and Auto Insurance, our perception avoids fixed ideas and instead moves fluidly from fact to fact when estimating car insurance for high risk drivers.

When we check your driving record for tickets and accidents, we are already thinking of ways we can discount your rates. We know how our competitors use driving records to overprice car insurance for high risk drivers. We, however, never limit the individual exclusively to statistics. When we quote car insurance for high risk drivers, we take into account many variables that other carriers consistently ignore. We realize young drivers may use other forms of transportation and by doing so actually reduce vehicle usage. Did you know you could get discounts for using public transportation such as riding the bus to school or work? Has anyone ever told you that you can not only save money on carpooling with your friends, but also get an insurance break? Keeping the car out of heavy traffic equals lower rates on car insurance for high risk drivers, and it saves on gas. If we can document you are using the vehicle less- especially during peak hours- we can significantly reduce rates on car insurance for high risk drivers.

Another factor we can employ when estimating car insurance for high risk drivers is GPA. Believe it or not, we can actually look into giving you a discount if you have an A or B average in school! Why? Because when writing car insurance for high risk drivers, George White rewards good work and responsibility rather than punishing occasional carelessness.

While he will never alter the facts of your driving record, George will factor character, work ethic, and achievement into your quote. Call him personally today at 1-866-663-5272 to get started.

About the Author

George White personally has over twenty-five years experience in all facets of the Texas property and casualty insurance industry, including three years in underwriting, two in finance, one year in the comptrollers office, and four years in claims evaluation as a licensed examiner. This has given George White a broad understanding of all aspects of the insurance industry and the many complex perspectives that are involved. He will work to provide

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Cheap Car Insurance for Young Drivers

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If you searched online today hoping to find cheap car insurance for young drivers, Texas Home and Auto Insurance can start working for you today. If you are a parent investing in your teen's first car, we can find you the best rates on cheap car insurance for young drivers. If you just graduated from college, found your first job, and bought a new car, we have cheap car insurance for young drivers in our young professionals program. If your last carrier advertised cheap car insurance for young drivers on late night television and you bought it, we can give you a much better rate here as a new customer approaching thirty.

Many people ask us, "How can you provide cheap car insurance for young drivers when young drivers are the most high risk drivers on the road?" There are several answers to this question. First, we at Texas Home and Auto Insurance do not consider the term "high risk driver" as a fixed absolute. (See why in our section entitled "Car Insurance for High Risk Drivers to learn why we believe this). Secondly, we quote cheap car insurance for young drivers much differently than our competitors. Almost anyone can offer you a "quick quote" on the spot. TV commercials, radio spots, newspaper ads, and Spam Emails are full of these solicitations that make all kinds of promises to parents and young people alike on how they can deliver cheap car insurance for young drivers in a matter of minutes. Such gimmicks are not only nonsense, they border on the unethical.

Cheap car insurance for young drivers takes time to prepare, and we at Texas Home and Auto take as much time as we need for each individual customer to ensure that we offer them the very best rates. We spend considerable time developing discounts that are often lost in "quick quote" processes by implementing our specialized exposure analysis formula. "Exposure" refers to the anticipated total "payout" on any risk where a loss occurs. By analyzing such factors as where our drivers live, where and when they drive their vehicles, and the number of hours they spend behind the wheel, we can find discounts in multiple arenas that will total up to the very best cheap car insurance for young drivers the insurance business can offer. Don't be discouraged either if you have had multiple accidents or accrued a bad-driving record. In the event that we cannot give you the very best rates we will find another carrier in Texas who provides cheap car insurance for young drivers and refer you directly to their office. Regardless of whether you are a parent, a student, or an up and coming professional, we will not leave abandoned on the side of the road.

George White, founder of Texas Home and Auto, has devoted his time and experience since 1983 to develop cheap car insurance for young drivers that is unsurpassed in both premium rate and attention to policy detail.

About the Author

George White personally has over twenty-five years experience in all facets of the Texas property and casualty insurance industry, including three years in underwriting, two in finance, one year in the comptrollers office, and four years in claims evaluation as a licensed examiner. This has given George White a broad understanding of all aspects of the insurance industry and the many complex perspectives that are involved. He will work to provide

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Car Insurance - Premium Drop?

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It was announced recently that the average cost of car insurance has dropped slightly heralding possible, further decreases this year. It was thought that we would continue to see a rise in the price of car insurance premiums this financial year, following the record highs at the end of last year.

The typical quoted premium given as reference last year by the AA's British insurance premium index, was stated as £806, whereas this had dropped by £4 to £802 during the first quarter of 2007. This is still only marginally below the all time high.

During February, it was also announced that premiums were rising with young drivers and woman being targeted in particular. Drivers under the age of 25 will find it particularly hard to find cheap car insurance due to a rise of around 5.8% over the preceding 12 months.

Unfortunately opting for third party, fire and theft, a popular choice for those under 25, will prove to be equally as expensive, as this is earmarked for an upward progression throughout the proceeding year. This is thought to be due to the commonly quoted fact that these drivers are 5 times more likely to be involved in a car accident than a person of age 35 and over.

Don't worry those of you unfortunate enough to be included in this category, many online insurance companies are currently offering special introductory rates for those of you willing to do a bit of searching. Another way of saving money on a car insurance policy is to check out the hidden extras you may be paying for. For example, most policies include optional extra legal protection and hire car option, which if not essential will produce a saving when taken off the policy. Also, don't forget to check out the excess stated on the policy as a larger voluntary excess will reduce the premium price noticeably.

But still it must be taken as good news for the rest of us that at least there has been a drop on the price of the average car insurance policy. This is especially important after the recent budget announcement that many larger cars would see a noticeable increase in car tax prices.

About the Author

Chris Rowlands is a UK based writer with experience within the insurance industry.

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How To Purchase Only the Car Insurance You Need

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Have you ever received your automobile insurance bill and found yourself wondering if you are paying for a lot of coverages that you do not need? There are so many different options, how does one know what is worthwhile and what is not? Some options that are offered are really duplications of other coverage that you may already have. My purpose in writing this is to help you sort through the options and help you to build a policy that covers your needs, without covering things that you do not need.

As a disclaimer I must state that I can only talk in terms of general concepts, and that you should query your insurance agent if you do not fully understand parts of what I am describing. Remember that your insurance agent makes more money if he sells you more policy, so he/she may not be completely objective.

OK let's get started. The first thing to do if you can is to look into discounts for multiple policies. If you are a homeowner, insuring your home and cars with the same carrier can provide significant discounts. If you have multiple cars then insuring them all with the same carrier is usually cheaper, but not always.

First set of numbers to think about is liability, which is the portion of the insurance typically required by state law. This is the part of the insurance that pays others, not you. To figure out how much liability to need to cover, determine your net worth exclusive of residence and exclusive of things that you already own. Generally your liability should cover twice that amount up to $300,000.00, and if you need more than that then ask for a 1 million dollar umbrella policy which will cover your home and cars as well. On the lower side try to cover $50,000.00 if you can, and make note of minimums in state law. Typically there are three numbers, like 50/100/50. The first is how much would be paid to a single person, the second how much could be paid in total for one event, and the third is how much property damage (typically other people's vehicles) that can be covered. It is safest to have that last number at $50,000.00, but you may be able to get away with $25,000.00. There are a lot of $50,000.00 and higher vehicles on the road, but most people who drive cars like that will have under-insured coverage.

Next numbers are collision and comprehensive. Collision pay for damage to your vehicle resulting from any collision and comprehensive pays for any damage to your vehicle not as the result of a collision (like a broken windshield). First thing to understand is that the maximum payout on either of these is the blue book value of your car, so as you car decreases in value there comes a point where the coverage no longer makes sense. If your car is worth less than $2000.00 then the payout you would potentially receive from the insurance company may not be worth the premiums. You would think that the premiums for these coverages tend downward because they are covering less value every year (for the same vehicle), but somehow it does not seem to work out that way. There are also deductibles, and generally the higher the deductible, the lower the premium. Check all the rates though, as we have found that sometimes a $250.00 deductible is only a few dollars more expensive than a $500.00 deductible. Many times auto body shops will cut you break on a little of your collision deductible, so we have never needed to go below $500.00 on that. We keep our comprehensive at $250.00 because typically no one helps with it.

Once you have liability, collision and comprehensive, you have the basics for an automobile policy that is just what you need. There are a lot of other coverages available, and there are several of them that you may not need, and some may not need any of them.

1. Uninsured/Under-insured motorists coverage. This is the worst coverage of all, having us pay for all the deadbeats who will not pay for themselves. You only need this coverage really if you are driving a vehicle that is worth a lot more than about $25,000.00. Generally if you are hit by an uninsured motorist, then your collision coverage would kick in and take care of it. If the accident is their fault and they will not cover your deductible, then you can take them to small claims court for that part. Please verify this part with your agent, but if collision will pay, then buying additional coverage that pays again is a duplication, and your insurance company will not pay you twice no matter how many duplicate coverages that you purchase. Try to ditch this coverage if you possibly can. If you have a more expensive vehicle then you do kind of need the coverage in the case of the under-insured motorist, since if they have insurance then their insurance will pay, but if there coverage is not enough then your collision will not come in to play to cover, and you would need under-insured coverage then. See if you can purchase it just for that one vehicle. Some states make you cover all if you cover one.

2. Towing coverage. The agents like to scare you with this one. "What will happen if you need towing?" they ask. Well what will happen is you *might* have to pay for it. In our experience we find that towing is often an included service of the body shop that will fix your car. We have never had towing coverage, and in all that time we have been towed about seven times, we only had to pay once, and it was about $60.00. Save you money on that premium.

3. Rental Car Coverage. Just say no. If you really have to have a rental car then go to a body shop that offers the $10.00 a day rental car. Sometimes they will give you the rental for free as part of the service. We see this one as a waste of premium dollars.

4. Medical insurance. If others are injured in an accident that is your fault then your liability coverage will cover that. The extra medical premium is typically to cover you if you get hurt in an auto accident. This is likely a duplicate coverage if you have health insurance, and remember this one only covers you when in a car, where health insurance always covers you (make sure your health insurance does not exclude accidents). For most this is a duplicate coverage and should be avoided.

5. PIP, Personal injury protection or "No Fault". This one is a failed idea and is usually a duplicate coverage of something else. Take the state law required minimum or refuse this coverage outright. My agent does not even attempt to dissuade me when I outright refuse this one.

6. The most recent insurance invention. You may find a coverage offered that is not described here. Chances are 99% against that you would ever need some coverage that has been recently invented. You do not need identity theft coverage on you auto policy.

Reorganize your auto insurance according to what you have read, and you can go forward sure in the knowledge that you are spending your insurance dollars effectively.


About the Author

Joseph Wood is the webmaster and chief researcher for JOW Research. We are best known for publishing The Secrets of The Secret.

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How "Enough" Is Your Auto insurance?

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Guess what? I know that this is more difficult to say than do nevertheless, having a small number of or, if possible, no driving convictions, you can stay away from being punished by increases in your automobile insurance premium.

Most people that reserve rental vehicles appear at the counter with slight thought given to the "possibilities" that can occur from them driving an automobile that isn't theirs. Meanwhile, driving their own car without Insurance coverage would be totally unthinkable! So allow us to take out some time to reflect on how to ensure that your rented car is covered.

Find below 3 steps you must take if you are to ensure you have sufficient coverage:

1. While calling the rental car firm for a quote, determine what the coverage costs would be and exactly what it includes/covers. They may have higher insurance rates but may also offer the least harassment and stress, because you may not have to file a claim on your own insurance. Most auto rental firms have a few more options, including buying down the deductible to $100 or so, which is mostly determined by where you reside, or even to $0.

Guess what? A big sway on the cost of your auto insurance is where you reside. The probability of your automobile being vandalized or stolen is a major issue for the insurer.

2. Get in touch with your auto insurance firm. They may previously have cover for your rented cars in certain circumstances. E.g., if your vehicle is in the store, they may automatically shift your coverage and deductible to a rental automobile. This is a replacement-only sort of coverage since they are covering you on a different vehicle. If you pay more, you may well be able to obtain either a momentary or continuous rider (this of course depends on the insurance firm) to cover your rental vehicle even if your vehicle is not in the shop. This is known as a non-replacement-type of coverage as you will need coverage on both autos since both of them could be potentially driven.

3. Make contact with your credit card firm or inspect the cardholder's contract. Your credit card may cover you for rental auto insurance. Verify that they cover you in your particular situation. For instance, there are some cars they cover (some won't cover trucks or SUVs) or they may not cover you in relation to where you will be driving or the duration the automobile will be staying with you.

Now that you know all of these, you can make a well-informed approximation of your expected cost so that you are completely covered on your rental automobile. Remember that after all's been said and done, you want to be "stress free" while on your next journey.

About the Author

Tywford Lamai is an expert on issues pertaining to Insurance. To effortlessly discover a lifetime of amazing Insurance secrets, tips and resources please visit:

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Managing personal finance has never been easier

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Managing personal finance may not be everyone's cup of tea, especially for those who have no experience in business and management. An accurate financial plan will ease your work and guarantee a successful completion of your financial goals. Here, on our website, we provide helpful information for an accurate finance comparison that will obviously make your work easier.

Managing personal finance may not be the easiest job. If you are one of those who manage their finances themselves, you will surely not find this activity as being the most enjoyable in the whole world. It requires a lot of time and attention, but it is indispensable to your or your family's financial well being. You can find a helping hand here, on our website, where you have the updated information you need in order to do a realistic finance comparison.

A key component for efficient management of your personal finance is financial planning. This dynamic process requires regular monitoring and reevaluation. Otherwise, you risk missing points of evaluation and this could damage your finance control. You should keep under control this circular process by repeated verifications and intelligent manipulation. The following five steps should organize and make your planning easier.

The first step is an assessment of one's personal financial situation. You will do it by compiling, onto a piece of paper, all the personal assets, income and outcome. You should use a simplified balance sheet for listing the values of personal assets (for instance, car, house, stocks and bank account) along with the values of liabilities (such as credit card debt, bank loan and mortgage). Moreover, you should make sure you list personal income and expenses, on a personal cash flow statement form.

The second and most enjoyable step is setting the goals. With this stage, one should formulate his or her material desires in a financial language. You can set long-term goals can such as retiring at 65 years old with a significant personal net worth. You can also make short-term plans, for example: buying a house or a car by paying a monthly mortgage for 3 years but no more than 25% of monthly income. You can also establish several goals both long and short-term, in the limit of your financial resources.

After setting the goals, you must develop an efficient plan in order to accomplish them. The plan should detail the exact actions that you need to undertake. This is the third and most difficult part of your personal finance management as it asks for thorough research for the most convenient loan, investment or mortgage deals. An easy way to approach this matter is by using the services we offer here, on our site, where you will find thousands of updated offers available for adequate finance comparison. In this manner, you can avoid or diminish planned financial sacrifices such as reducing expenses or increasing your employment income.

Execution of one's personal financial plan, monitoring and reassessment are the fourth and, correspondingly, fifth steps in efficient personal finance management. Discipline and perseverance are necessary for accomplishing this part of the plan. As time passes, conscious fulfillment of every action included in the financial plan must associate with continuous monitoring and reassessment until the fulfillment of the financial plan.

Managing your personal finance has never been easier. With access to all the pieces of information you need, you can do a realistic finance comparison and you can develop a more efficient personal financial plan. Here, we offer you the possibility to compare thousands of offers on credit card, loans, insurance and investment deals in UK and not only.

About the Author

Here, on our website, you will find accurate information on all credit card, loans, insurance and investment deals you can use for an efficient finance comparison. Personal finance management has never been so accessible.

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Car Buying Tips: Only Three Things Worth Buying in Finance

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When the negotiations are done, most consumers relax when buying a car. The hard work is done. The hard sell is over. It's time to celebrate a victorious purchase of a new or used vehicle.

Most consumers don't realize that the true hard sell is just about to start.

In a perfect world, a finance manager, business manager, or whatever title is given to the person in the back that prepares paperwork will be just that: the person that prepares paperwork.

In the real world, the finance manager is probably one of the best and most persistent salespersons the consumer will ever meet.

They aren't necessarily bad people. Most are exceedingly friendly and professional, dressed to impress and possessing an easy way that puts people at ease. To a car dealership, the finance manager is the last and best chance the dealer has to make money on a vehicle sale.

There are dozens of methods that the finance manager can make money from you. The good part is that not all of the ways are bad and not all of the products that they will offer are rip offs. In most cases, though, some of the offerings are just not worth the money the consumer will pay.

Instead of going over the details of the different products and suites that aren't really worth it, here is a short list of items that a consumer should really question and investigate before purchasing:

Undercoating, paint sealant, oil change plans, VIN etching, scotch guard, preowned vehicle leasing, personal vehicle insurance, and tires for life.

There are others that are somewhat legitimate like the ones listed above, and there are some that are downright scams, but we're here to focus on the potentially good ones.

Dealerships such as Oklahoma Lincoln Dealers and other honest dealers around the country offer a basic, short list of products that consumers should consider:


Some call it a scam, but most who have totaled a vehicle with a lien on it can attest to the wonders of Gap Insurance. In essence, it covers the "gap" between what a vehicle is worth and how much is owed when a car is totaled. For example, if someone totals their vehicle and the insurance company agrees to pay $7,000 while the driver still owes $11,000, gap insurance is designed to cover it. Without gap, the insurance company will be forced to leave the remaining $4,000 to be paid out of the customer's pocket.

Usually ranging from $300-$700, it is a good investment for consumers who (1) finance vehicles without securing equity by putting a lot of money or trade equity down on the car, (2) drive more than 10k miles per year, and/or (3) purchase new vehicles, especially high dollar ones.


Not all warranties are created equal. A consumer who plans on keeping a vehicle beyond the factory warranty should strongly consider an extended one.

Research beforehand into some extended warranties available online for the vehicle you are considering. Know the cost, deductible, what is and isn't covered, and whether a prorated balance is refundable if the vehicle is traded, sold, or totaled.

Armed with this knowledge, it should be easier to get a good deal on a good warranty, whether it's the one that the finance manager offers or a separate one.


Most life insurance policies are designed to help with cost of living. Debt should not be paid through standard insurance.

In case of tragedy, having a credit life and disability plan will help to pay off the balance of a vehicle loan. There are few things worse after dealing with a tragedy than to find that the loved one also left major bills and debts behind.

Final Thoughts

Not all "bad" items are that bad. Some may fit into a consumer's needs. Not all "good" finance items are good, either. The key is to do the research before getting caught off guard by a finance manager ready to spray a $20 can of Scotch Guard in your new or used car for an additional $179.

About the Author

J.D. strives to promote quality, honest automotive websites and point out the scams out there being put on by "the other guys". Visit his current projects, Chicago Used Cars and Oklahoma Lincoln Dealers

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Car Accident Claim - What To Do!

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Car accidents may all look the same, but the truth is they all have their subtle differences. Therefore, no car accident claim can be exactly like another. Accidents will always happen, there's nothing to do about it; but if you are unfortunate enough to be a victim of such an accident you should know that a successful compensation claim must be carefully planned if you want to make it.

All Car Accidents Are Unique

But know this: there are so many companies that try to "help" in this kind of situation that you can't always tell which are competent and which are not. Watch it for those men who intercept you seeing the accident or at the hospital. They get their paycheck out of commissions so you can't say they are as empathetic as they seem. So seeing the difference between a good company and a bad one will be a crucial thing before you act.

In most of cases, these people will want your injury claim. Even if it means by-passing the small print! Also important, you shouldn't let them go on and on about their "successes", cases won, claims delivered etc, because your situation is unique, and so anything can happen. They are paid to practically fool you, so don't let them.

Then How Do You Make A Successful Car Accident Claim?

Car accident injury claims are one of the most important issues in their field. There is not much room for interpretation and the most important information can only be gathered at the scene. It is crucial for the victim to gather as much as he/she can, making notes about the driver and insurance, the place where it happened, how did it happen and most importantly how. If the police is present then things are simpler, because they know better what to look at and what questions to ask.

Tips and Tricks

The accident solicitor will tell you "all" about the things you need to do. After that, he will always ask: "Any questions about what I just told you?" Never say "No, I'm fine with it", for this is a heavy mistake. Please do interrogate him thoroughly: * Will I get the 'whole' of my compensation? If yes... continue * Will I need to pay a fee? If no... continue * Do you recover costs from the other side (i.e. people at fault)? If yes... continue * Would I need to pay anyone any money once my claim is settled? If no... proceed.

Passengers In A Car Accident

In most cases, passengers will not have any blame in an accident; they can be from either, the fault or non-fault side. But it wasn't them who drove the automobile, so they have the greatest chances of success when asking for a correct compensation. Of course, they need to be checked by medical specialists for their injuries, otherwise there will be no claim. Passengers (no matter if husbands, wives, children or relatives) can make their car accident claim without any hesitation. Why should they suffer because of another persons' negligence?

If you were the passenger and your driver messed up, you can still make your claim, it was his fault, you didn't have anything to do with it. So no matter in which car you were when the accident occurred, you make a successful claim! But if you were the one who drove and it was indeed your fault, then there's no chance at all you could make a claim. Only your passengers will be able to do that, against you.

Payment Factors

Do you know that there are some factors that will cut down the compensation payments you can receive? For example, if you weren't wearing a seat belt, you will get less money, 25% less. What's more, if the driver was drunk when it happened, you knew that he wasn't in the right condition to drive and still you didn't do anything about it then this will lower your payment by a certain amount.

There are cases where the driver admits part liability on a proportion basis. Generally it's 50/50, but it needs to be assessed by an investigator who will examine who's at fault before concluding. There are even some cases that result to 80/20.

Decision Dilemmas

You DO NOT need to hold back thinking it was your friend's or family's car. They pay insurance premiums every year to ensure if anything happens, they're covered and so are their passengers. You also need NOT WORRY if you were in a taxi, bus, train or any other form of public transport. You can still proceed with an accident compensation claim, as the drivers are insured, as is the taxi, train and bus driver. Companies pay thousands every year in insurance premiums to cover passengers for these unfortunate accidents and injuries.

On speaking to a quality car accident solicitor will you be able to eliminate doubts in your head about payments, fees and procedures!

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Learn more on how to make your Car Accident Claim. Easy tricks and information to help you make a successful compensation claim today!

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