Online Car Insurance: May 2007

Tuesday, May 15, 2007

Online Car Insurance Advice

Stop wasting money and cut your car insurance bills in half! There is no reason why you shouldn't consider purchasing online car insurance. Buying online car insurance is extremely easy and very convenient. It's an extremely fast process and only requires filling out a simple form. Everyone knows that shopping around is the only way to find a good deal and save money. What's the fastest way to shop? Well, you can look through the phone book and dial phone numbers only to get an automated message or you can use the internet to multiply your efforts. Buying online car insurance has literally no drawbacks. All you need is a computer with an Internet connection. After you have found a quote that you like, purchasing online car insurance allows you to accept the quote right then and there or save your information and come back later. I would recommend using as many web sites as possible to make sure you find the lowest premiums. There is plenty of online car insurance providers out there and the more time you put into it the better the outcome.

Online Car Insurance Features:

Save Time: One of the many great features of shopping for online car insurance is the ability to start your insurance application, save it, and finish later if you get pressed for time.
Privacy: Privacy while shopping for online car insurance is taken very seriously. Any information you provide is kept secure with encryption technology.
Your credit score won't be affected by applying for online car insurance.

Here are some great ways to reducing premiums:

You can combine you and your partner's insurance if married.
You can install anti theft devices in your vehicles.
You can take advanced driving courses that enhance your driving skills.
Paying annually for your policy as apposed to monthly. Check for insurance companies that offer discounts for being affiliated with particular organizations or companies. Example: Some credit card companies offer discounts on auto insurance.
Insuring all your vehicles, home and valuables with the same company may earn you a loyalty discount.
You can save around 15 to 30 percent by increasing your deductible! What are the odds of you getting in an accident? Just put your deductible away in a savings account and save it for that rainy day.
Drop collision and comprehensive and just stick with liability. Especially if you have an old car because the value of your car won't add up to all those previous payments you've been making.
Maintain good credit

Things to remember when shopping for online car insurance:

Make sure that they can actually provide an insurance quote for the state you currently reside in.
Always double check the information you provide on the insurance application. All it takes is the smallest error to affect your rates.
Make sure the insurance company is reputable. Future claims are only honorable if your company still exists.
You're never under any obligation to accept any insurance quote provide.

So what are you waiting for? Fill out some forms and save some money. Good luck, live well, and prosper!

Thursday, May 3, 2007

Cheap Car Insurance Online

by: Doug Taylor

With oil prices on the increase predominantly in the Middle East, it is having a serious knock on effect to the price of petrol.

In the UK petrol is currently almost GBP 1.00 per litre, and in some rural towns it exceeds this price. The burden on the average motorist is having an effect with an average family car costing around GBP 55.00 to fill up.

With the increase in fuel prices any relief on the poor motorist is more than welcome. You will be pleased to know the increase in recent car insurance competition, particuarly online, has resulted in cheaper car insurance for all.

This does mean that shopping around for car insurance can lead to lower premiums. The large car insurance companies have recently carried out major advertising campaigns highlighting the 'lower premiums and saving money online benefits'. At present just by buying your car insurance online rather than over the phone can save you an instant 10% with some car insurance companies.

One other aspect to consider are companies that search out the cheapest car insurance for you with top car insurance firms. You simply make one phone call, or one web enquiry and they will search on your behalf with top firms. You pay no money for this service as the commission they take comes straight from the car insurance firm. It's an ideal solution for those with little time to shop around.

One point to remember is make sure you have the right policy for you. You may find a replacement car an advantage for times when your car may be being repaired. Not all insurance companies offer this and it often comes as a premium. Cost is a major factor but ensure the cover is right for you, your car and circumstances.

About The Author
Doug Taylor is promoter and editor of http://www.carinsuranceonlineuk.co.uk

Online Car Insurance Overview

by: Tim Baker

Development of the Web for the past decade drastically changed car insurance business. The Internet makes it easy to find required information to get the best deals and insurance rates. You don’t have to call your insurance agent any more, or visit their office to sign documents. All you need is a computer with an Internet connection.

Buying car insurance online has many advantages. It’s a good way to reduce your insurance costs and save time. You can instantly get auto insurance quotes form different insurance companies, so that you are able to compare prices. Usually, many people pay too much for their car insurance policy only because they haven’t enough time to shop around for the best rate. Now, this is not the case when you’re buying insurance policy online. You can always find a good online discount broker. There are lots of them offering quotes from a wide range of companies.

Search the web and you will find many companies offering online car insurance. But it can be more of a challenge to find a reliable insurer, offering cheap auto insurance. Progressive, TESCO, GEICO, Insurance Finder and Direct are among of them. They offer various types of discounts, flexible payment options and much more. You can visit their websites for more detailed information.

However, it can be mentioned that, there are several types of coverage they offer. Typical auto insurance policy consists of three separate types of coverage: property, medical and liability coverage. And most car insurance policies last from six months to one year. But before making a decision in favor of a particular company, you should find out which one fits your needs best.

Car insurance market is a place of continuous evolution. And the Internet plays a decent role in its further development. New ways and methods are going to emerge in the nearest future.

About The Author
Tim Baker is a professional insurance agent and the founder of several online resources related to car insurance business.
For more information visit the site devoted to Tesco Car Insurance (tesco-car-insurance.info) where you will find interesting articles and news related to online car insurance.

Online Car Insurance – What You Need To Know

By Peter Crump

What do you need to know if you are thinking about buying online car insurance? Since it first crept its way into our daily lives, the internet has offered us a new and, some would say, better way to find almost anything we need, and car insurance quotes are no exception. Attracted by this cheap and easy way to do business, companies encourage potential customers to transact with them this way, as it saves them both time and money by helping keep office and shop floor costs low. Now you can take advantage of companies’ fondness for the internet way of doing things by dialling up to some great online car insurance deals.

We all know that any business, whether that be a car insurance provider, a supermarket or a local pet groomer’s place, loves nothing more than to make money, and second to that comes making saving wherever they can. But any company is only as strong as the customers they can attract, so when they make savings, they like to pass them on to you, to encourage you to turn to them in future for your insurance, grocery or pet grooming needs. The great savings offered to companies by using the internet therefore mean that providers of such online products and services as car insurance can offer better deals through this medium than they can in-store, so if you are looking for a really competitive quote, then online auto insurance could be the way for you to go.

To see this in action for yourself, try this simple experiment. When collecting quotes for insuring your type of car, coupled with your own driving history, get your telephone out and make a few calls. When you have finished making phone enquiries about car insurance, visit the very same companies online just to see hoe much cheaper you can get the very same deal. Surprised? Just be glad you checked before you committed to your phone call quote!

Remember though that even the great deals offered in online car insurance can’t help you find a great deal if you have a sloppy driving history, so ensure that you get the best possible insurance deal by always driving with care. By driving responsibly, not only will you stay safe, but you’ll save a great deal of money too – money that you can go and spend on things much more fun than car insurance!

To find out more about Cheap Car Insurance visit Peter's Website Good Cheap Car Insurance at http://www.goodcheapcarinsurance.com/ and find out about Car Insurance Discounts and more about cheap car insurance.

Online Auto Insurance Quotes: Things To Consider Before You Start

By Scott Lunt

One of the best ways to know if you're getting a good car insurance quote is to compare it with other companies' quotes with the same policy features. More and more people are finding that online auto insurance quotes are a great way to do comparison shopping. Here are some tips to help make the process even easier.

One of the advantages of getting online auto insurance quotes 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. To get started, first review your current auto insurance policy and familiarize yourself with the features. What are the limits for property, bodily injury, uninsured motorist and underinsured motorist? What are the deductibles? Are you already paying for towing and rental care reimbursement? Do you have comprehensive coverage or just collision?

Then decide if you still want those same features. Write down any changes. For example, you may have had comprehensive coverage on a car when it was newer with a $250 deductible. Now you may want to raise that deductible as your car's value has depreciated.

Next, gather information about your cars and the people who drive them. The information most commonly asked when your getting a quote online or over the phone is:

1. Drivers license and Social Security Numbers for each driver.

2. Year, make and model of each vehicle to be insured.

3. The average mileage driven each day and whether it's used for work or pleasure.

4. Safety features like Anti-lock Brakes (ABS), alarms and air bags for each vehicle.

Now you're ready to get quotes online quickly. Some places will automatically generate a quote and some may have an agent contact you. Having an agent contact you is not a bad thing: An agent can often show you additional ways you can save on your car insurance -- especially if they are in your local area -- and since you've already given them your information you won't have to be on the phone long.

Rates can vary quite a bit between auto insurance companies, so it's a good idea to get at least three quotes from different sources. Then write down each quote on the same sheet of paper, and include comments about the company that provides the quote. This is important because cheap car insurance, doesn't always mean a good value. Financial stability, fast claims service and good customer service will give you greater peace of mind.

Once you've found a quote you're happy with, think about it a couple of days and make sure you're getting the right insurance coverage for your situation. If you're dealing with an agent or representative ask questions. If you're getting an online quote from a direct insurer, check out their Web site and see if there's a customer service contact that can help you answer any questions.

Scott Lunt is a freelance writer with over 15 years experience writing insurance-related articles. You can compare car insurance quotes and find more tips on saving on car, home, life, health and long-term care insurance at LowerYourInsurance.com. The site also features a handy car insurance quote comparison sheet.

Cheap Car Insurance Online – Shop Around

By Elizabeth Newberry

Many people find that it is easier to find cheap car insurance online because of the ability to “shop around” more quickly than when searching for cheap car insurance, say, on foot.

Shopping around is essential in finding cheap car insurance no matter how you choose to search, but it is especially important when searching for cheap car insurance online. Why? Because there are so many different online car insurance companies out there that you could be depriving yourself of some really good deals if you settle on the first online car insurance company you find, or even limit your search to two or three online car insurance companies.

When shopping around for cheap car insurance online, make sure your search is a thorough one. Use several different search engines, and several different “key words” to find as many legit-looking online car insurance companies that you can. For example, searching for “cheap car insurance online” will get you some good results, but you can spice up your search results a bit by adding specific information such as your home state.

As you are shopping for cheap car insurance online, remember that you do not have to limit your search to the Internet. Talk with your friends, co-workers, family members, and anyone else you think would be able to give you some good advice on choosing an online car insurance company. You never know – one of them may be able to provide you with a Web address that you did not discover during your own search for cheap car insurance online.

Finding and purchasing cheap car insurance online is not something you should expect to accomplish in just one day. Spend a couple of days searching and bookmarking the online car insurance companies you are interested in. Then spend a few days researching these companies – by talking both with company representatives and anyone you know who has experience with the company.
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Car Insurance Online

By Seth Miller

The enormous advantages that the Internet has to offer have prompted car insurance companies to advertise their policies online. Initially, car insurance was available only through a car insurance agent. The process was tedious and time consuming and required immense paperwork and assessments. This factor alone has made a large number of people opt for online car insurance.

Car insurance companies now offer online services that have made it very easy for clients to acquire information they may need. Car insurance quotes and auto insurance claims can be obtained or filed at any time of the day. Online car insurance helps provide interactive and spontaneous customer care, rather than wait on the phone line for long periods of time. Insurance companies are using this medium to sell car insurance directly.

Opening online accounts with car insurance companies is also proving to be beneficial. In case clients misplace an insurance card it is possible to simply acquire a printout of the original copy. Car insurance online accounts with existing insurance providers puts an end to storing piles of insurance paperwork. Online car insurance even allows people to receive updates and file claims whenever needed.

Car insurance online sites have gone a step further by making the online experience easy and user friendly. Car insurance terminology and verbiage may be difficult to understand. Most car insurance online services are aiming at providing simple and understandable information. Online car insurance allows customers to learn about various types of auto insurance coverage, limits and deductibles.

Certain states even allow people to purchase a car insurance policy online. These methods are considered to be safe since most Web sites use secure connections. This prevents outsiders from attaining personal information about a prospective client. However, it is important to realize that car insurance online is at times only a part of the entire process. Car insurance online often complements and eases the car insurance procedure.

Car Insurance provides detailed information on Car Insurance, Car Insurance Quote, Car Insurance Policies, Car Insurance Company and more. Car Insurance is affiliated with Top Auto Insurance Companies.

Cheap Car Insurance If You're A Teenage Driver

By Scott Lunt

Getting cheap car insurance if you are a teenager or young driver can seem impossible. Unfortunately, you are considered a greater risk to auto insurance companies and they're going to charge more. There are some things you can do to try to get the lowest cost insurance.

It seems that just as you start to get all the benefits of adulthood -- driving privileges, more freedom -- you also start to get the responsibilities piled on as well. Of course this usually includes financial responsibility. And just as credit companies are going to charge higher interest until you prove your creditworthiness, car insurance companies are going to charge you higher rates until you prove you are a safer risk.

The first thing you should do is comparison shop and try to get at least three different car insurance quotes. Rates vary between insurance companies so you may get a better deal this way.

One of the quickest ways to do this is online. You can either go to each different insurance company Web site and enter your information, or go to a comparison shopping site where you only enter your information once. Either way, make sure you enter the same information about the coverages you need to get the most accurate comparison.

Other things to consider:

The car you drive can affect how much you pay for insurance. A fast, sporty car is going to cost you more -- especially if you are a teen driver -- than a larger car with more safety features.

If you're in school, maintain a good grade point average. Most car insurance companies will give you a discount for good grades.

Enroll in a defensive driving or other driver safety course. Auto insurance companies often give discounts for that.

Drive safely and within the law. Nothing will cause the cost of your auto insurance to skyrocket like tickets and accidents. What's more, you'll be rewarded as you get older with much lower insurance costs.

Get several free comparison car insurance quotes and learn more about car insurance for teenagers at LowerYourInsurance.com. The site also includes a handy worksheet to help you when shopping for car insurance. Scott Lunt is a freelance insurance writer.

The number of insurance companies offering auto insurance through the Internet has exploded over the last few years. Buying insurance coverage online

By Stuart Brown

Although it used to take quite a bit of energy and effort to find affordable automobile insurance in Southern California, these days it is significantly easier to find the insurance quotes you want without a lot of work. There are many services these days which exist to negotiate rate quotes and options with many different insurance companies, in order to deliver the information to you all at once. A single service can deliver several rate quotes from several different insurance companies, and all you have to do is fill out a single form with a limited amount of information about you, your driving record and your vehicle. California is known for having some of the highest available auto insurance rates in the entire country, so it can be difficult to find car insurance quotes in southern California that you are happy with, or that you feel are affordable. The following is a primer on finding inexpensive car insurance in southern California.

Minimum Coverage: Liability insurance is the only form of insurance which is required in order to license your vehicle. This insurance is what pays for the damage that is done to another vehicle or to property when you are at fault in a collision. This form of insurance also covers medical expenses incurred by other passengers in addition to compensating them for pain and suffering.

Liability Coverage: The minimum amount of liability insurance coverage that you can acquire in California is known as 15/30/5 which means that you need to have $15,000 worth of coverage for injuries to the other car and any one person, in addition to $30,000 worth of coverage for injuries sustained by all people in the other car, and $5,000 worth of coverage for any damage dealt to the other car or property. Increasing the amount of liability coverage that you have will help protect you in case a lawsuit is filed against you.

Collision Coverage: This is a form of optional coverage which pays for repairs for your vehicle. This coverage is good to have because it covers the damage done to your car regardless of who was at fault in the collision. This coverage is more useful if you drive a newer vehicle which is worth repairing rather than simply replacing.

Comprehensive Coverage: This is an optional form of overage which pays out for any form of damage that does not involve a collision, such as vandalism, theft, fire, and so on. This coverage is only useful if your car is new and worth repairing, otherwise you may simply want to replace your car and skip this type of coverage.

Personal Injury Coverage: This is another optional form of coverage, which pays for the medical bills incurred by you and/or your passengers when you are involved in an accident. If you already have medical insurance, it may be worth it to skip this coverage.

Uninsured and Underinsured Motorist Coverage: This coverage pays for the medical expenses incurred by you and your passengers and the damage that is done to your vehicle if you are in an accident which is caused by a driver who is uninsured, underinsured, or who flees the scene of the crime. Because twenty five percent of drivers in California are driving without having a driver's license, this is a very good form of insurance coverage to have.

Finding cheap California automobile insurance online can be significantly easier than completing the process in person, because rates can vary wildly between different companies in California. The internet makes the process simply by allowing you to go to a single insurance comparison website which represents several different insurance companies. Filling out a single request for a quote with your personal information will connect you with quotes from several different insurance companies. Many of these websites also offer information sections, which contain tips on saving money and finding the right kind of car insurance for your situation.

Shop Around: The same policy options can have as much as a 300-percent price difference when offered by several different insurance providers throughout southern California. The best way to determine which rate is the best based on the provisions of the insurance policy is to shop around and to compare quotes from many different automobile insurance companies. You may also look to your current automobile insurance provider to see if you can negotiate a lower rate quote, because most insurance companies are willing to give discounts when it means keeping a customer who may otherwise go looking for cheaper insurance.

Lower Your Mileage: Did you know that if you cut your daily mileage down to less than forty miles per day, you can significantly cut down the amount that you are paying for your automobile insurance in southern California? You can save more than $100 per year simply by cutting down the amount of driving that you do every day.

Higher Deductibles Mean Lower Premiums: If you take on higher deductibles through your southern California automobile insurance, you can actually find that you will be paying lower monthly insurance premiums. You should make sure that you are putting away money in case an accident happens, so that you are not left unable to pay the deductible.

All in all, you should be looking for a well rounded policy which covers all of the things that you need for your individual situation, while still offering a monthly premium which is affordable enough for you to handle. Automobile insurance is a necessary part of driving, so make the extra effort to find the most affordable policy that you can, to protect yourself from paying too much out of pocket if an accident ever occurs.

For more information about Car Insurance in California visit http://www.InsuranceSalesman.com where we also have comprehensive guides to Car Insurance Price Quotes in America and US Classic Car Insurance Quotes and Information.

Insurance - Buying Auto Insurance Online

By Michael Russell

The number of insurance companies offering auto insurance through the Internet has exploded over the last few years. Buying insurance coverage online is not only convenient, but it can also save you money on the premiums. Let's take a look at how you can buy auto insurance over the Internet and save yourself some good money.

The rates for auto insurance have steadily increased over the years. It will take you some searching online to find the best deals, but with a little effort you'll be able to save yourself some money and get the best coverage possible. Here are some key points to look for.

Look at combining all of your insurance coverage into one convenient package with one company. By combining your auto, home and life insurance, most of the insurance companies will offer you a substantial discount on these premiums. Some can be as high as 25%-35%. That can easily add up to a lot of money over the course of a year. You also have the added convenience of having all of your coverage with one company.

Look for companies that offer multi-car discounts if you have more than one car at home. You will also want to look for insurance companies offering various homeowners policy discounts for items such as alarms, smoke detectors, etc. Again, this can add up to a substantial savings. It pays to shop around.

Many of today's auto insurance companies offer good discounts for safe drivers. If you have been accident free over the past three to six years and don't have more than one or two moving violations, you can find companies offering nice discounts for your good driving record. You may want to brush up on your driving skills and take a defensive driving course. Many times an insurance company will issue a 5% discount on your premium for completing the course.

If your car has a number of different safety features, you'll also be able to get a discounts. Features such as car alarms, air bags and other safety items will qualify you for additional discounts.

Most every insurance company will give discounts for having continuous coverage over time. In addition, if you are someone who has served in the military, you may be eligible for a military discount. Active and retired military members can save between 5% and 15% on their car insurance. Again, do some checking and find out who is offering the biggest discounts. It can save you some big money on your premiums.

Some insurance companies offer discounts for people who car-pool to work, or use public transportation. They do so because they know you're not driving your car as often.

Buying auto insurance online is so convenient for most people. Instead of having to go to an insurance office, you can buy your insurance from the comfort of your own home. You can find an insurance company online and instantly receive a quote on your insurance needs. It will also allow you to determine the costs of any optional coverage, higher deductibles and discounts.

It is not difficult to find auto insurance on the Internet. Do a little research and you could be pleasantly surprised at the results.

Michael Russell

Car Insurance: Company Comparison for the UK

By Sara Sentor

According to the Independent newspaper, UK households are spending an average of £1000 annually for car and home insurance. Despite the rising cost of car insurance, many insurance buyers are not researching the market thoroughly. If they do so they will be able to get a bargain auto insurance.

There could be many reasons for not researching the insurance market. It could be less time, lack of information, not asking the right queries and many people simply don’t bother.

Comparison of 3 popular Car Insurance Companies:

Norwich Union, More Than, Tesco Personal Finance.

More Than: Car Insurance
A financial brand of Royal Sun Alliance Insurance Group, More Than was launched in 2001. Its services include not only car insurance but also insurance in home, pet, travel and life.

Tesco Personal Finance: Car Insurance
Tesco Personal Finance provides services in finance and insurance. Insurance product range includes car, health, home, pet and life.

Norwich Union: Car Insurance
It is a subsidiary of AVIVA, worlds fifth largest and UK’s biggest insurance groups. Norwich Union’s insurance activities are monitored by Financial Services Authority.

Features of these Car Insurance Companies

- Online Discount Offers: Of the three car insurance firms, More Than offers maximum online discount of 15%. Both Norwich Union and Tesco Personal Finance offer 10% online discount.

- Breakdown Cover: More Than: 50% off breakdown is added to car insurance quote, specifically for prospective customers. Norwich Union: Does not offer a flat rate for breakdown cover. It is calculated based on the insured’s situation and £5 off is given for online breakdown cover.

- No Claims Bonus

More Than- Offers maximum no claims bonus for the life of your car insurance policy. This is offered to drivers with a good record, as a part of fully comprehensive car insurance policy. Driving conviction will make you ineligible for it.

- No Frills policy No Frills policy is offered by Norwich Union and Tesco personal finance. This does away with replacement car and personal injury cover and consequently reduces the cost of premium considerably.

- Pay as you go Pay as you go is the latest technology installed by Norwich Union and More Than in order to track down motorists’ usage. An optional offer, this will help car owners to cut down on their insurance cost.

More Than- Targets young drivers between the ages of 17-25 and offers a bonus at the end of the year if they don’t drive between the 11pm and 6 am.

Norwich Union- If motorists keep their car in the garage for six months, they will be charged less premium.

- Pay your premium in one go If you do not wish to pay a monthly premium, then Norwich Union gives you the option of paying your premium in one go.

All these offers are subject to availability so do check before hand with the company, when purchasing a car insurance policy.

Sara Sentor Webmaster http://www.insurancesoso.co.uk