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

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

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

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

What coverage's do I need?

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

Types of Auto Insurance Coverage's

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

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

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

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

What does "full coverage" mean?

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

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

Will my policy be cancelled if I have an accident?

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

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

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

If I rent a car, do I have coverage?

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

What is Optional/Add-on Equipment coverage?

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

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

What can I do to keep my auto premiums down?

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

Why Do Auto Insurance Premiums Change?

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

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

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

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

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

Where do Risk Assessment Indicators come from?

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

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

What's not included in a Risk Assessment Indicator?

Risk Assessment Indicators do not use the following information:

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

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

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

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

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

What if the information in my credit report is wrong?

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

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

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

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Five Steps to Choosing Car Insurance

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

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

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

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

Choosing car insurance can be done in five easy steps:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What now ?

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

Damian is the owner of many finance related websites. Including mortgage, loans and debt advice. For more information visit

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Budget Car Insurance: Officially Authorized Assistant

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

Things to be considered:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What are the next steps ?

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

Damian is the owner of many finance related websites. Including mortgage, loans and debt advice. For more information visit

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Insurance for the Four Legged Folks

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

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

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

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

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

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Low Cost Hybrid Cars

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

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

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

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

For information on buying and selling new and second hand cars and bikes visit

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

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Financing Your Dream Wheels

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

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

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

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

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

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Car Warranty: Bails You Out From Overwhelming Service Bill

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

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

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

What To Do With Your Car Warranty

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

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

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

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

Lewis Miller writes for Find out the importance of getting a car warranty for your new or used vehicle by visiting

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The Secret To Cheap Car Insurance

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

Quotes for less

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

Know your discounts

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

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

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


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

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

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Female Driver Car Insurance Tips

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

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

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

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

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

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

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

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