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Finding the cheapest car insurance rate is simply a matter of comparison shopping. But how can you get the cheapest rate without spending hours on end talking to insurance agents? Here's how...
Make a List
The first thing you need to do when it comes to getting the cheapest car insurance rate is to make a list of all the discounts you can get. Here are some of the biggest money savers:
1.Deductibles - Raising your insurance deductible from $200 to $500 can save you 30% on your insurance premium. Raising it to $1,000 could cut your premium in half.
2. Cars - The type of automobile you drive determines the insurance rate you pay. The difference in insuring an expensive sports car and an inexpensive family sedan can be as much as $1,000 a year.
3. Safety features and ant-theft devices - Most insurance companies will give you discounts for air bags, anti lock brakes, and automatic seat belts. They will also give discounts if you have a burglar alarm or other anti-theft devices installed in your car.
Eliminate unnecessary coverage
Drop your medical coverage if you already have a medical insurance policy that covers you, and get rid of your towing coverage if you're an AAA member.
Eliminate your collision coverage, comprehensive coverage, or both if you drive an older model car and the cost of your annual premium is the same as the value of your car.
Go Shopping
Shopping online is a quick and convenient way to shop for most anything, and it's especially true when it comes to getting the cheapest car insurance. Rates for the same auto insurance coverage from different companies can vary as much as $1,000.
After you make your list of auto insurance discounts, fire up your computer and head to an online car insurance comparison site. Here you can get a number of quotes from top-rated insurance companies so you can compare quotes and choose the cheapest car insurance rate.
Thursday, February 14, 2008
How Can I Get Cheap Auto Insurance in New York?
Auto insurance companies consider several factors when setting the rates of auto insurance policies. One important factor is the safety of the area in which the automobile is primarily driven and parked. Many parts of New York are considered high crime areas, and auto insurance companies are naturally going to hike auto insurance rates up for drivers who live, and drive, in high crime areas.
Living and driving in New York doesn’t mean you have to pay outrageously high auto insurance rates. There is a way to get cheap auto insurance in New York. First, think of the problem, which is the fact that auto insurance companies view automobiles in New York as being at high risk for theft, burglary, vandalism, and other damaging factors. So, aside from moving to a safer place, how can you combat these risks and get cheaper auto insurance in New York? By making your automobile safer, of course!
Install safety devices that weren’t included when you purchased your automobile. Safety devices worth considering are automobile alarm systems that sound when someone tries to break into your automobile; equipment that prevents your steering wheel from being turned if a thief should get your automobile started; and sturdier windows that will prevent anyone from breaking into your automobile.
Also consider where your automobile is stored when you aren’t driving it. If your automobile is parked on the side of the street while you sleep at night, auto insurance companies are likely to give you higher insurance rates. If you have a garage or rent parking space in a secure and private parking lot, auto insurance companies are likely to offer you cheaper auto insurance.
If you’re shopping for auto insurance in New York, or already have an auto insurance policy, talk with your insurance agent about making these safety improvements to your automobile and how they will help you get cheap auto insurance in New York.
Living and driving in New York doesn’t mean you have to pay outrageously high auto insurance rates. There is a way to get cheap auto insurance in New York. First, think of the problem, which is the fact that auto insurance companies view automobiles in New York as being at high risk for theft, burglary, vandalism, and other damaging factors. So, aside from moving to a safer place, how can you combat these risks and get cheaper auto insurance in New York? By making your automobile safer, of course!
Install safety devices that weren’t included when you purchased your automobile. Safety devices worth considering are automobile alarm systems that sound when someone tries to break into your automobile; equipment that prevents your steering wheel from being turned if a thief should get your automobile started; and sturdier windows that will prevent anyone from breaking into your automobile.
Also consider where your automobile is stored when you aren’t driving it. If your automobile is parked on the side of the street while you sleep at night, auto insurance companies are likely to give you higher insurance rates. If you have a garage or rent parking space in a secure and private parking lot, auto insurance companies are likely to offer you cheaper auto insurance.
If you’re shopping for auto insurance in New York, or already have an auto insurance policy, talk with your insurance agent about making these safety improvements to your automobile and how they will help you get cheap auto insurance in New York.
Friday, February 1, 2008
Insurance Quotes
Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of potential financial loss. Health insurance and medical supplements do not cover nursing home care.
Health insurance provides many things - a safety net, should you become ill or get injured; the means to maintain your well-being with tests, screenings and vaccinations; and peace of mind, knowing your family will be receive the health care it deserves. Online Quote Complete the following form for an obligation-free quote on home and/or car insurance.Online portal offering quotes on health insurance for individuals and small businesses. Online auto insurance can save you time and money.
Free auto insurance quotes are quick and easy:
Enter the ZIP code where your vehicle is garaged. Free Auto, Home, Life and Health Insurance Quotes If you're searching for quick, easy, affordable insurance quotes, your search is over. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Cheap Car Insurance Sites: For those of you who are pure price shoppers, we have reviewed sites and offered advice on the best sites to find cheap car insurance online.
Affordable health insurance can be a reality if you pick wisely, but the more options you add that are unnecessary, the higher your cost will be. Easycover was the first online insurance quote service to allow car drivers to complete one form and compare multiple quotes. Easy online policy management, bill payment & claim reporting. Learn something? Want to learn something more? Check out other articles in his website about insurance quotes..
Health insurance provides many things - a safety net, should you become ill or get injured; the means to maintain your well-being with tests, screenings and vaccinations; and peace of mind, knowing your family will be receive the health care it deserves. Online Quote Complete the following form for an obligation-free quote on home and/or car insurance.Online portal offering quotes on health insurance for individuals and small businesses. Online auto insurance can save you time and money.
Free auto insurance quotes are quick and easy:
Enter the ZIP code where your vehicle is garaged. Free Auto, Home, Life and Health Insurance Quotes If you're searching for quick, easy, affordable insurance quotes, your search is over. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Cheap Car Insurance Sites: For those of you who are pure price shoppers, we have reviewed sites and offered advice on the best sites to find cheap car insurance online.
Affordable health insurance can be a reality if you pick wisely, but the more options you add that are unnecessary, the higher your cost will be. Easycover was the first online insurance quote service to allow car drivers to complete one form and compare multiple quotes. Easy online policy management, bill payment & claim reporting. Learn something? Want to learn something more? Check out other articles in his website about insurance quotes..
Non-Owner Auto Liability Insurance Policy - How to Get a Cheap Rate
Thanks to the rising cost of gas, increases in insurance rates, and increasing car costs, many people are giving up their cars and using public transportation. But what if you want to rent or borrow a car to go on a long trip or a vacation? Here's how to get cheap non-owner auto liability insurance for just those occasions.
What is non-owner auto liability insurance?
It's auto insurance for people who don't own their own car, but occasionally rent or borrow one. Coverage includes:
* Bodily injury liability coverage which pays for any claims made against you, plus your legal fees, if you injure or kill someone.
* Property damage liability coverage which pays for claims made against you, plus your legal fees, when you damage another person's car or property.
If I borrow a car doesn't the owner's insurance cover me?
It depends on how much coverage they have. If you cause an accident in another person's car and you exceed the amount of liability coverage they carry, you'll be liable for the difference in damages. If they end up in the hospital and sue you, you could end up owing hundreds of thousands of dollars.
Doesn't the insurance on my credit card cover me?
It depends on the credit card. Some only provide coverage for certain types of cars, some limit the time of coverage, and some only provide collision and comprehensive coverage.
How about rental car agency coverage?
The coverage you get from rental agencies may or may not provide liability coverage, or only provide a limited amount of coverage. Also, if you rent cars for more than 10 days a year, purchasing non-owner auto liability insurance is usually cheaper.
What is non-owner auto liability insurance?
It's auto insurance for people who don't own their own car, but occasionally rent or borrow one. Coverage includes:
* Bodily injury liability coverage which pays for any claims made against you, plus your legal fees, if you injure or kill someone.
* Property damage liability coverage which pays for claims made against you, plus your legal fees, when you damage another person's car or property.
If I borrow a car doesn't the owner's insurance cover me?
It depends on how much coverage they have. If you cause an accident in another person's car and you exceed the amount of liability coverage they carry, you'll be liable for the difference in damages. If they end up in the hospital and sue you, you could end up owing hundreds of thousands of dollars.
Doesn't the insurance on my credit card cover me?
It depends on the credit card. Some only provide coverage for certain types of cars, some limit the time of coverage, and some only provide collision and comprehensive coverage.
How about rental car agency coverage?
The coverage you get from rental agencies may or may not provide liability coverage, or only provide a limited amount of coverage. Also, if you rent cars for more than 10 days a year, purchasing non-owner auto liability insurance is usually cheaper.
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