10+ Tips to Help You Save on Car Insurance

Most humans complain about the cost of their auto insurance--hardly surprising, given that a typical policy costs at least distinct hundred dollars a year. Depending on your age, driving record, and other factors, your annual premium can be significantly more than that. So how can you lower your premium and save yourself money?

If you own a automobile and manage it, going without insurance is generally not an option. In most states, you are required by decree to purchase a minimum amount of liability coverage.

And you would probably have more than just the bare minimum in generally speaking, if you or someone that understands and has expert knowledge desire to provide yourself with adequate protection. There are steps you can easily take, however, to lessen your car insurance costs without having to cancel your policy. Some or all of these steps can be apt for you, depending on your circumstances.

Specific ways to save money on auto insurance:

1. Shop around.
One of your first steps should be to shop around. A particularly good time to investigate your alternatives is when your current policy is about to be up for renewal, especially if you find that your premium has gone up. You may be surprised to learn that auto insurance premiums for the exact same coverage on the same car can vary widely (by hundreds of dollars) between different insurers, even in states that regulate auto insurance rates.

2. Increase your deductible.
For many people, raising the deductible on their auto insurance is a good way to cut the cost of the policy. Sometimes you can reduce your annual premium by 10 percent or more if you increase your deductible from, say, $250 to $500. If you do this, however, make sure you have the financial resources to handle the larger deductible when the time comes.

3. Keep an eye on your credit report.
Your credit history is an important factor for most auto insurance companies. Many studies have shown a correlation between your credit history and the risk to an insurance company. Paying your bills on time and maintaining a good credit history will allow you to enjoy lower auto insurance rates.

4. Drive less.
If you drive less than a certain number of miles in a year (e.g., 7,500), you may qualify for a low-mileage discount. If your insurer offers this discount, try to limit your driving as much as possible. If you commute to work, use public transportation instead of driving. When you go away on vacation, fly or take the train.

5. Don't use your car for business purposes.
Since work-related driving generally subjects you to higher premiums than pleasure driving, it may be in your best interest to stop using your car for business purposes.

6. Drive more safely.
You may be eligible for a price break on your policy if you maintain a clean driving record for a specified period (usually three years). A clean driving record generally means no accidents, moving violations, drunk driving convictions, etc., during that period. The best way to qualify for the applicable discount is to drive carefully and defensively at all times.

7. Buy a low-profile car.
Cars are rated on a risk scale for auto insurance purposes. In general, sports cars and other high-performance, flashy vehicles are classified as higher risks because they are common targets for thieves and vandals, and because statistically, the people who own them tend to drive more recklessly. If you own such a vehicle, you will likely pay a higher premium than if you owned a station wagon, sedan, or other low-risk vehicle.

8. Move.
If you live in a rural community with little crime and traffic congestion, your premium will generally be lower than if you live in an urban area where your car is more likely to be stolen, vandalized, or involved in an accident. Granted, you shouldn't move just to cut your auto insurance costs. However, this may be one of many factors in your decision if you're thinking about relocating from the country to the city.

9. Keep your car in a garage.
Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.

10. Have safety/anti-theft devices installed.
You may receive discounts on your insurance if your car is equipped with one or more of the following options: anti-lock brakes, automatic seat belts, and airbags. Similarly, anti-theft devices such as car alarms and tracking systems (e.g., Lojack) may also get you a discount because they reduce the chances of your car being stolen or vandalized.

11. Inquire about multifamily/multipolicy discounts.
You may receive a discount from your insurance company if you buy more than one type of insurance through that same company (e.g., auto and homeowner's). A discount may also apply to your auto insurance if you insure multiple cars under the same policy or with the same company.

12. Other discounts
Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.

source: http://www.insurance.com/quotes/article.aspx/10%2B_Tips_to_Help_You_Save_on_Car_Insurance/artid/20

When Your Auto Insurance Company Disagrees With You

The schema with an auto indemnification company derscribed in the heading is not uncommon. At times this is inevitably the circumstance, actually there are thousands of situations each year when a bloke disagrees with their car assurance company about a allege.

One option is of course to do the insurance company to the court imediately. But in the forefront you eventually do that, you should study some other steps to feel to avoid it; there's usually a risk that you'll yield, and that might rate you even more percentage.

If your insurance agent is not able to solve your problem satisfactory,
Find a description of the procedures to follow in case of a dispute.

This is normally written in your insurance policy. If not, ask your insurance agent to give it to you. Follow this if possible.
Here is what you can do anyway;

* The first thing you should do is check the information in your auto insurance policy where it will spell out who will mediate (and/or arbitrate) a claim.

* Find out if the insurance company has a Consumer Complaint Department (most insurance companies have that).

* Get the name and phone number of this department (it's usually an 800 number and therefore free to call).

* Call them, describe your problem and ask if they are able to help you. Get the name of the specific person with whom you spoke and write it down. Also make a note of the date and time.

* Write a covering letter and address it to the person in the insurance company you spoke with. Enclose in this letter all the documents you have that might back up your position.
If you still are not satisfied, even though you have taken the above steps without abendoning the vehicle insurance company's procedures or rules:

* Take contact with your own state's insurance department. Describe your problem and what you have gone through so far and ask them to help you.

* If this doesn't help at all and you're confident that you've are right in your claim to your insurance cendor you should contact the Insurance Industry's Consumer Information Service (1 800 942-4242) They have a help line open all days but the weekends.

* You can also approach The American Arbitrary Association (call 1 212 484-4000) and talk with an Independent Arbitrator, who normally has a great knowledge of insurance issues. He or she can decide if what your automobile insurance company has done with your case is fair or not.

Depending on the result of the steps above you should

* Consider mediation or arbitration, which is an attempt to bring about a peaceful settlement or compromise between you and your insurance company through the objective intervention of a neutral party.

* You do this by submitting a "Demand For Arbitration Form" to whoever is listed in your policy. On this form you can specify whether you want mediation or arbitration.
Which alternative should You chose?

* While the arbitration rulings are absolutely binding, a mediator does not have the authority to make binding decisions, he or she can only recommend a solution.

* However, mediation is much cheaper than arbitration, therefore you should always chose this as the first step.

If you have researched your case sufficiently, and you are sure you're right, a decent auto insurance company will not be likely to bring your case this far.

Hyundai Genesis Coupe 2009 (Photos)

Santa Fe’s and i30’s are ok however if you really require to standout and create a location you either do it with a sports coupe or a luxury automobile. Hyundai seems more than willing to do it both ways with the production version of the Genesis concept that’s scheduled to go into production in 2008 and the all-new Tiburon (or Coupe in Europe).

Judging from these cell-phone camera images, the latter seems to be in the endure phase of testing’s, about a year before it goes for sale. Although official data is scarce for the date being, it’s evident that Hyundai’s designers took a really close observe to the 2004 Detroit Indicate Concept, the HCD8 Sports Tourer when they penned the fresh Tiburon.

We’ve heard rumors that the Hyundai will base the sports coupe on the rear-wheel manage platform of the Genesis sedan, nevertheless we wouldn’t be surprised if the Koreans decided to continue using a front-wheel propel platform. The scoop images also give us a glimpse of the interior with a typical, for a modern Korean motorcar, design and a view of the engine bay that seems to house an inline, 4cylinder engine.

Concept Genesis Coupe Specifications

Configuration: Front engine, rear-wheel drive sports coupe
Wheelbase: 2,820 mm / 111 inches
Overall length: 4,666 mm / 183.7 inches
Overall width: 1,902 mm / 74.9 inches
Overall height: 1,386 mm / 54.5 inches
Wheels: 20-inch, five-spoke
Tires: Hankook 255/35 ZR front and 275/35 ZR rear

Preliminary Production Car Details

Engine type: V6
Estimated horsepower: more than 300 horsepower
Estimated torque: more than 250 lb. ft.
Displacement: 3.8 liters
Block material: high pressure die cast aluminum
Cylinder head material: aluminum
Valvetrain: Dual Over Head Cam (DOHC)
Valve timing: continuous variable valve timing
Estimated 0-60 mph: under 6 seconds
Transmission type: 6-speed manual
Front brakes: Brembo, 340 mm disc, twin-piston calipers
Rear brakes: Brembo, 330 mm disc, twin-piston calipers
Limited slip differential

autospies.com

All-new BMW X6 to be launched soon

BMW has announced that its X6 sports activity coupe will arrive in dealer showrooms later this month. The German automaker said Monday that its X6 xDrive 35i variant, with a 3.0 inline six-cylinder engine, would carry a starting retail price of $53,275, including freight and destination.

The xDrive 50i, with a 4.4 V8 engine, is scheduled to launch this summer, with a starting retail price of $63,775, including freight and destination.

According to the company, the X6 uses the same basic hardware as the X5 but has a sleeker profile and improved handling. It also has two inches in length added to its wheelbase in addition to a deeper front spoiler and some extended side skirting.

BMW's intelligent xDrive all-wheel-drive technology distributes power electronically between the front and rear axles constantly to help the vehicle adjust to driving conditions.

Production of the X6 will be added to its line of X5s and Z4 roadsters at its plant in Spartanburg, which is undergoing a $750 million expansion to increase production capacity from 140,000 to 200,000 vehicles per year.

The Z4's production will be shifted to Austria in 2010, and the Spartanburg plant will begin building the X3, a smaller version of the X5.

[source]

Saving on Auto Insurance

Bored of feeling like you're living from paycheck to paycheck? Desire to have more cash in your wallet? All you have to do is divide back on some of your expenses.

While you can't exactly trim your housing, feed and transportation costs, a pleasant place to chop back is on the amount you're spending on auto insurance. Policy prices vary greatly from corporation to association and often times those who've gotten stuck in the rut of simply sending back their renewal payment every six months are paying also much.

Have any of these factors changed since the endure date you renewed your policy?

* Age

* Marital status

* House domicile

* The type of automobile you manage

* The length of your commute from residence to employment

* 3 years passed since your at the end moving violation or accident

If so, you may be eligible for discounts your happening insurance association isn't telling you about; and other companies would likely offer you more competitive rates, so you owe it to yourself to shop encircling. Nevertheless that doesn't mean you have to locate aside a collection of date to create call calls or travel from office to office. The Internet makes comparison shopping easy to do.

All you have to do is log on to a site like below and fill outside a simple form to instantly compare up to 4 rates from 15 leading carriers such as Progressive, AIG, GMAC and more. When the quotes come back, you can in fact choose the offer you like best and purchase the policy fair away through the site. Once the transaction is complete, print outside proof of insurance correctly there on the spot.

Comparing quotes is free of charge and there are no obligations to obtain so log on to

today.

How Much Should You Pay for Auto Insurance?

How much does the average person pay for auto insurance?
Probably more than they would like. Often the bill just gets accepted as a necessity and we simply commit to paper outside a big check each month.

What you don't know can be costing you a collection of money. When is the at the end age you checked with different insurance companies to see what other offers are outside there? If it's been a while, you owe it to yourself to gaze immediately so you can set off saving today.

With the Internet, there's no demand to call enclosing and spend hours on the call.

By visiting the site and filling outside a simple form, you can compare offers from multiple insurance companies, all in a couple minutes. By letting the insurance companies compete for your business, you can save up to 70 percent on your policy.

And best yet, the assistance is free of charge and there is no obligation to acquire. There is no credit check required and you can get quotes from all 50 states. The site is equipped with state-of-the-art security so the data you provide will only be shared with the pre-screened insurance professionals you are matched up with. If you find the correctly policy for you, you can obtain it same day.

With gas fees soaring, the price of owning and driving a automobile continues to increase. It's valuable to save money where you can. Commence by examining your auto insurance. By seeking auto insurance quotes regularly, you can constitute confident you are not being taken advantage of and can get a much bigger deal.

Visit Cheap-Insurance-Rates.com and fill gone a simple form to commence comparing and saving today.

Drug Use and Drunk Driving

According to latest data from the National Highway Traffic Safety Association (NHTSA), alcohol-related motor vehicle crashes murder someone every 31 minutes and non-fatally injure somebody every two minutes. Drugs other than alcohol, such as marijuana and cocaine, are occupied in about 18% of motor vehicle driver deaths. So what can you do about it? Enough.
Misconceptions about Alcohol


* Coffee does not sober up an intoxicated character, nor does strenuous exercise, cold showers, or fresh air. Food does not saturate up alcohol. The only thing that works is time, and it takes an hour to eliminate one drink's worth of alcohol.

* A bottle of beer, a glass of wine, or a shot of hard liquor all have the same amount of alcohol, and "light" beer has the same quantity of alcohol as normal beer.

* Women typically do not handle alcohol as well as men, due to minor weight and more imperfect production of the breakdown enzyme, alcohol dehydrogenate.

* It takes fewer drinks than most people think to impair driving or to put them at legal risk. Three drinks over a couple of hours is enough to put most people over the lawful limit.

The Involve of Alcohol

We all know alcohol can thick reaction time and make you loud, obnoxious, or affectionate. But here's an example of the effects alcohol has on just one of your critical senses, your eyes:

Focus Slows your eyes ability to focus back and forth from objects near and far.
Muscle control Relaxes the fine muscle control of your eyes, blurring vision.
Coordination Impairs the eye's ability to work together, causing dual vision.
Distance Judgment Reduces the ability to judge distance accurately.
Peripheral eyesight Reduces the ability to perceive stuff from the side.
Night vision Limits the eye's ability to see in low light.
Colors Impedes the ability to distinguish colors.
Prescription and Over-the-Counter Drugs

In addition to alcohol and banned drugs, many rightly legal substances can also change your driving, including prescriptions and frequent over-the-counter drugs and medications. Review the labels on any prescription drugs you use for allergies, sinus troubles, acne, chronic diseases, and other conditions. Be especially wary about drugs prescribed to alter moods and combat depression.

Over-the-counter drugs such as antihistamines, cough syrups, and cold medications can cause drowsiness. A label alert about not working heavy machinery while taking the medication does not just apply to bulldozers and front-end loaders. If you must use an antihistamine make clearly it's a non-dreamy formulation.
Designated Drivers

To guard yourself, have a designated driver when you go out for dinner and drinks. Be aware of the most risky times and days when drinkers are on the roads (Fridays after 4:00 p.m., weekend evenings after 10:00 p.m. and any day after midnight).
The Consequences of Drug Use and Drinking and Driving

In addition to the safety issues, fulfill that in the Internet Age, all civic records are fair game, and background checks are more normal than ever before. DUI or drug violations will affect your ability to achieve jobs, volunteer positions, hold public office, get into schools, or coach your kids team.

Auto Insurance 7 Tips

1. Raise your deductible. Your deductible is the amount you pay when you make a claim before your insurance company pays. The disadvantage of raising your deductible is that when you do make a claim, you’ll pay more. The advantage is that your annual insurance costs go down. you can most defiantly raise your deductible resting on the comprehensive and collision sections of your insurance policy.
   
2. Drop your collision and/or comprehensive insurance on older autos. If your car is not worth much to begin with, then it can not be worth paying for collision and comprehensive insurance. That is because the amount you pay for the deductible plus the amount you pay for the insurance can be more than the value of the auto itself. An auto dealer or Kelley Blue Book can help you establish the value of your car.
3. Buy a "lower profile" vehicle. Part of what determines the cost of insurance is the kind of vehicle you drive. Some models are common targets for auto theft, while some models are just more expensive to repair. basicly these vehicles will cost more to insure. It pays to do your research before you buy.
4. Take full advantage of low mileage or distance discount rating. Some insurance companies give discounts to consumers who drive less than a pre-determined number of miles each year or drive sure distances to and from their place to work.
5. When you move, think about the cost of insurance. Yes, the cost of insurance varies from place to place. Some areas can be considerably higher. make sure to keep your insurance broker informed, as this would save you money.
6. Please make sure the information about your vehicle is correctly listed on your policy. You could be surprised how many inaccuracies show up on a policy, especially with so many model names sounding very similar. Insurance rates vary depending on model, and anyone or yourself would be paying more for a car you’re not even driving! Other common errors include the wrong mileage and mistaking a four-door vehicle for a two-door (both of which can also affect insurance rates).
7. Research the bevy of discounts available. Insurance companies reward good drivers. Insurance companies also reward people who insure both their homes and cars with them. This is called a multi-policy discount. Other discounts available can (depending on your insurer) include multiple vehicles, anti-theft devices, retirees, driver education, abstainers from alcohol, age, and distance to university/colleges for students.

Need Auto Insurance

Not every single driver on the magnificent road is insured. This is a danger to you and to other motorists. The responsibility of being a driver doesn’t apply to the road alone. Taking the extra measures to secure your financial safety would an accident occur is equally responsible and important. When and its most important to understand if you are ready to make the commitment of being a good driver, purchasing the automobile insurance coverage that is right for you is important.

Even with all of the facts that we know as motorists and drivers, there are still those who prefer to drive without coverage. Sadly, too many individuals treat automobile insurance casually, as if it were an accessory to their vehicle. the trueness is that in many states, especially the state of California, driving without proper automobile insurance is against the law. Doing this will result in having your vehicle impounded.

You can most defiantly avoid this traumatic and embarrassing event by simply following the laws of your state and getting the required automobile insurance that is needed. When some folks see that the prices of car insurance is beyond their financial capabilities, they forego auto insurance completely and make the mistake of driving uninsured. We want to help you find out the preeminent coverage at the price you can easily manage to pay for. The fact is, in generally speaking, if you or someone that understands and has expert knowledge drive a auto, you need car insurance. Plain and simple.

Avoid the high costs of automobile insurance by firstly driving safe. Follow the rules of the road and avoid accidents. When the car insurance company sees this, they identify that and its most important to understand if you are a safe driver and will typically reward you with low rates. Another way to enjoy the low auto insurance rates is, obtain good grades, if you or someone you know are a student, and to follow up with proof of these good grades.

Auto insurance companies and agencies will give you options that you can most defiantly choose from. obtain some of the lowest quotes from various sources. Getting low rates starts with low quotes so you can have to do some research to find out the lowest ones. More recently, people learn the low car insurance quotes that want from the internet.

The internet is a valuable tool for many pieces of information. In this case, finding an car insurance company is the unsurpassed possible way to obtain the economical and comparable quotes you want. When you sign onto any search engine, you simply kind within the kind of insurance and its most important to understand if you are wanting to recieve. Some companies cater specifically to car insurance while others are large enough and cover insurance for home, health, and auto insurance.

In this day and age, there are so many ways to protect yourself and your valuables that auto insurance is simply a “given” when you buy your vehicle.

Some states require that you show proof of insurance before you drive a used automobile off the lot. This is standard for many automobile dealerships and protects all parties involved. From the dealership to the driver and others on the splendid road, you would always be aware of the level of protection necessary in order to drive with peace of mind. Be aware that and its most important to understand if you are responsible for buying at least the minimum requirements when it comes to buying insurance.

Use our experience to find the right auto insurance policy!

1. Careless pay more. An obvious thing to pronounce, huh? Though, you won’t believe the number of consumers who have a broken or an old auto in their garage for months or years and still pay auto insurance premium for that junk. If it is your case – don’t be mad at us to be a little rude. Just take actions – renew your motor policy and do not cover the old vehicle you do not use.

2. Yes, yearly payment figures are large and scary. Yes, it is a bit frustrating to see your account cut by this amount of money. And, Yes, the annual payments are the real money savers in case of auto insurance. in any case of the fact that monthly fees seem to be more trouble-free, they happen to be much more expensive aspect element within the end. Just think of 12 bank transactions you have to make: each time you will be charged extra money for bank operations. Twelve times you will get payment notice. Who do you think covers the mail costs for insurers? absolutely their customers, and hence, you. if you or someone you know are serious about saving on auto insurance – prefer annual payments.

3. You do not have to be a financial analyst, a brilliant economist or master Joda to obtain an affordable auto insurance. All you have to do is, connect your computer to the Internet and spend some time wanting to recieve online insurance quotes. These things are really amazing! You enter your zip code and obtain vehicle insurance quotes from a number of your local providers in 5 seconds. Then you choose the most suitable variant: the cheapest one or the one with the maximum coverage or anything else. Then you can also purchase the policy via internet. Some insurers even give discounts for online customers. Anyway, you can most defiantly find out lots of valuable information feature within the Internet that will help you Uncover a inexpensive auto insurance with good coverage.

Comparing Insurance Quotes = Equals Saving

Compare Auto, Home Owner, Health, Life Insurance Quotes

Insurance prices for the same coverage may vary greatly from company to company depending on their loss experience. Your auto insurance company for example may increase your insurance premium even if you did not have any accidents or violations, while a different insurance carrier had a profitable year and reduced or discounted its car insurance rates to increase market share. Your home owner insurance carrier may suffer massive losses from fires, flood, tornado, or earthquake in one state and, to compensate, raising rates on its automobile and homeowners insurance in other states.

Health and life insurance rates are very competitive right now and insurance companies are often offering low cost insurance coverage to new clients, but raising them after a while without a notice. The only way to assure maximum savings on all your insurance policies is to periodically review and match your changing insurance coverage needs and to compare multiple insurance quotes offered by different insurance companies.
Use technology to save time and money

Obtaining individual insurance quotes by calling insurance companies could be a time consuming and frustrating experience. The good news is that you can do this in less than two minutes by filling out just one intuitive easy & quick online questioner. Thanks to 2insure4less’s unique, proprietary technology you can instantly compare cheap insurance coverage and rates of multiple carriers selling affordable insurance in your state. It will also offer helpful tips to analyze and determine your coverage needs.

So, whether you are looking for the cheapest price for your expiring car insurance, or want to compare prices for house, renters, disability, long term care, cancer, burial (final expense), life insurance, and annuity, 2insure4less can help you find an affordable insurance plan that meets your needs. Check if you can save money on your healthcare, or medical supplement insurance, you can instantly compare offers of cheap insurance coverage and quotes online, or speak with expert who is an insurance agent or broker licensed to advice and transact insurance in your state.
Learn how to buy more insurance for less money

Our learning center offers extensive library of educational material, FAQs, and helpful money saving tips, onboard tools to learn about your coverage needs, how to read and understand your policy, what to do and not to do if you have had an accident, or otherwise suffered a loss, how to make claim and accept your rights if your claim is not handled as you expected.

Remember, you owe it to yourself to save money when shopping for insurance by periodically comparing insurance quotes you get with the prices you pay for insurance with same or better coverage. Just select the coverage you want, answer a few easy questions, and compare rates in minutes.

Original Article from http://www.2insure4less.com/