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Thursday, October 13, 2011
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Wednesday, October 12, 2011
I need to get a free quote for car insurance
(Source: http://www.autoinsurancequotes.net)
Low Prices in California
Car insurance is not something to be taken lightly, especially if you are on a tight budget and want to minimize your monthly payments.
What many people don't realize when it comes to California
There are so many competitive quotes available in online California
At Autoinsurancequotes.net, we offer you the best rates guaranteed from a number of service providers, meaning that you have the opportunity to shop around and choose different quotes based on the specific needs of yourself and your family.
Analyze Your Budget
This is the best way to get started in choosing California
Each individual and family has different needs, and although minimum car insurance is required, many companies will give you different discounted rates to provide premium coverage.
You must first decide what type of coverage that you will need so that you can start to comparison shop online for the best competitive rates.
There are many insurance companies that only do business online in California
Autoinsurancequotes.net offers free California cheap car insurance quotes for the entire state, including the cities of San Francisco, San Diego, Los Angeles, Anaheim, San Jose, Sacramento, Palm Springs, Monterey, Fresno, and Santa Barbara.
These competitive quotes will give you the opportunity to have a general idea of what competitive rates are available to you.
Get a Quote
You can start out by getting a quote for all of the auto insurance providers that you are interested in for your California
These quotes will be at no cost, and they will give you a better idea of the options available to you.
Yes, many people feel that car insurance is quite tedious, but we will do our best to make the process as painless as possible.
When you are working with free quotes online, this is the perfect opportunity to go back and forth between different companies that you are interested in to get the lowest rate possible.
When securing free quote for car insurance online, you also the opportunity to ask all of your questions to a representative.
This will ensure that any detailed questions are answered, including what coverage will be available for all of the members of your family.
Many times you can receive a discount for purchasing insurance for a larger home, allowing you to save even more money on a monthly basis.
We offer free auto insurance quotes for all 50 states on our website!
Tuesday, October 11, 2011
Am I eligible for cheap high risk auto insurance?
(Source: Cheap High Risk Auto Insurance .com)
Cheap High Risk Auto Insurance
If you are considered a “high risk” driver, finding affordable auto insurance can be a challenge.
However, driving without insurance can be far more costly if you are involved in a motor vehicle accident.
Medical bills, property repairs, and legal matters can all become a serious drain on your family’s finances.
If you are looking for cheap auto insurance for high risk drivers, we can make your search quick and easy.
If you need free and fast price quotes from the top insurance providers in your area, call us today.
Types of High Risk Auto Insurance
Before you purchase a car insurance policy, you need to be informed about all of your options. We can help you compare prices on a number of different types of insurance policies, including:
- Mandatory liability insurance
- Collision insurance
- Comprehensive insurance
- Medical payments insurance
- Rental car insurance
- SR-22 insurance
Every driver has different needs when it comes to auto insurance coverage.
No matter what kind of policy you need, we can help you with your search.
What Is a High Risk Driver?
Most insurance companies charge different prices for different drivers, depending on a number of factors.
If a person is considered a higher risk to insure, he or she may have to pay higher premiums.
You may be considered a high risk driver if you:
- Are under the age of 25
- Have been involved in a motor vehicle accident in the past
- Have ever been convicted of drunk driving or a related offense
- Are a relatively inexperienced driver
- Drive a vehicle that is considered unusually expensive or dangerous
Fortunately, even if you are considered “high risk,” you do not need to give up on the search for cheap auto insurance.
We can help you compare available policies to make sure you are getting the best deal available.
Contact Us
Finding cheap high risk auto insurance should not be a struggle. For fast and free auto insurance quotes, contact us today.
Where can I get High Risk Life Insurance?
(Source: TermLifeOnline)
Do you need high risk life insurance?
If so, you may have more options to choose from than you thought.
Usually, high risk life insurance is purchased for one of two reasons:
* You take part in hazardous hobbies, or you have a hazardous job.
* You have a medical condition that is difficult to insure, such as, diabetes, heart disease, or cancer.
These situations make you a higher risk to insure you life from an insurance company’s point-of-view. That’s because you may have a higher risk of dying at an earlier age than the average person insured.
Because you may be a higher risk, your premiums will be higher for your life insurance policy than they would be if you were in good health, or didn’t take part in high risk work, or hobbies.
Just because you may have a serious illness, it doesn’t mean you can’t get life insurance. In fact, there are several insurance companies which specialize in insuring high risk applicants.
We can help you find high risk life insurance companies which may offer you an affordable choice for your coverage.
The following reviews explain the types of life insurance high risk plans available. You can review each plan and choose the coverage that’s right for you.
In fact, you may be able to apply for life insurance for you and your spouse online in minutes. Several plans listed below do not require a physical exam, and may offer instant approval.
Top Pick – Prudential Life Insurance
Get Affordable Coverage With a Prudential Agent.
Term Life Benefits From a Company You Can Trust.
$500K of Life Insurance For About *$1 A Day.
Cheap car insurance VS vehicle modifications
(Source: PressDispensary)
Any change to circumstances during the term of a car insurance policy could, if not communicated to your insurer, render it invalid, warns car insurance comparison site Tiger.co.uk. However small, all changes should be reported to your insurance provider or you may find that they will not pay out in the event of a claim.
This includes modifications to the vehicle itself, moving house, getting married or simply parking the vehicle somewhere different from the place detailed in the original application. Likewise, if a driver has declared the car use as being for ‘social and commuting’ when in fact it is subsequently being used for work, this should also be declared.
Many drivers who have modified their car during the period in which they are insured could have unwittingly invalidated their car insurance. It is not only changes under the bonnet that could affect the insurance contract but any aesthetic modification that offers no performance benefit may also lead to invalidated policies if not notified. This means that if you are involved in an accident you could end up having to pay for the cost of the damage out of your own pocket. If your car insurance company refuses to pay out due to an undeclared change in circumstances it can also make it harder to get insurance in the future. When considering making modifications to your car it is worth bearing in mind that they do not usually help you to obtain cheap car insurance in the first place. Modified car insurance can be expensive, adding to the overall cost of your motoring.
Some vehicle modifications that drivers should inform their car insurance provider about are:
Alloy Wheels
Non-Standard Stereo
Non Standard Lights
Changes to the upholstery
Graphics and decals
A new paint job
”Go-faster” stripes
Removing badges
Get cheap car insurance quotes easily
(Source: SBWire)
With the launch of car insurance website http://www.BestCarInsuranceNet.com, user search for obtaining cheap car insurance in United States USA
Whether they are studying in college, whether they are employed or freelancing, it is very difficult to manage all their commutes without a car. And for those have a car, they need car insurance. Since most of the states of America
Though it is a necessary expense, most people are on the lookout to obtain easy and cheap car insurance. It is this issue that http://www.BestCarInsuranceNet.com addresses. No longer will drivers have to pay a lot of money in the form of premiums for coverage that they do not need. There are a number of ways to reduce costs of car insurance. http://www.BestCarInsuranceNet.com outlines all these ways to obtain cheap car insurance.
Each states of the USA
http://www.BestCarInsuranceNet.com makes it very easy to understand insurance requirements in the new state and will guide drivers to choose cheap car insurance while ensuring that coverage is adequate.
Should I buy insurance from Esurance?
Esurance Inc. is an American auto insurance provider headquartered in San Francisco , California
Esurance was founded in 1998 under the name of Silicon Sierra Holdings Inc. by John-Bernard Duler, Jeffrey Goodman, Huyen Bui, David Griffin, and Chuck Wallace.
The founding team raised $5.5 million from Palo Alto Ventures, Trinity Ventures, and Stanford University
Esurance launched its Web site and started writing personal auto insurance in December 1999.
In 2000 Esurance was acquired by Folksamerica Holding Company, Inc. (a subsidiary of White Mountains Insurance Group).
In 2008, Esurance policies in force decreased by 5%. As of 2009, Esurance offers auto insurance in 30 states.
(Source: Wikipedia)
See how much you can save on reliable, affordable car insurance. Get your free quote online or over the phone and compare auto insurance rates in minutes.
How to cut down on premiums to the cheap car insurance you want?
(Source: ZimTelegraph)
Follow this easy three phase strategy to cut back your auto insurance policy premiums on the web:
1. Put aside only one hour to ask for your motor insurance coverage estimates online.
two. Get 4 vehicle insurance policy rates (use 3 price tag comparison web sites and a single professional insurer).
three. After you’ve received your quotations, phone the insurance company using the lowest priced quote and inquire them to defeat your best on the web quote (you do not should inform them wherever you obtained the quote).
The previously mentioned three steps sound nearly much too straightforward, but utilizing value comparison internet sites truly is the most productive approach to get started your search for low charges.
There are a variety of cost crunching internet sites online insurance quotes. To supply you having a charge, they’ll consult you some simple information regarding oneself, what degree of cover you’ll need, after which request estimates from up to 300 diverse auto insurance policy organizations inside a solitary search.
With auto insurance coverage rates climbing increased each and every year, particularly for learner motorists, college students and youthful drivers, make the insurers function for ones enterprise.
In the event you are inside a statistically higher risk driver group, for motor insurance policy, the greater income you are going to save. In case you follow the over easy three step manual – you are going to save time and money in your lookup for car insurance cover.
Save on Car Insurance
(Source: Zimtelegraph)
It’s not shocking that figures display that most Britons just usually do not store close to to obtain the very best deal on their car insurance. The choice of motor insurance coverage policies, and insurance organizations, is almost bewildering.
Nevertheless, in case you do accept the first quote you are presented, whether or not you are a skilled driver or not, you’re basically offering away your challenging earned income for your motor insurance policy business far also easily.
You’ll find a big amount of compare car insurance policies advertised on the web, within your neighborhood press, and a myriad of offers accessible from the greater retail supermarkets. Yes you want to preserve time and money, but when you target your requests for quotes effectively, you might conserve hundreds in much less than an hour on the web.
Several vehicle insurance plan companies declare to offer policies for all kinds of motorists. Merely asking just any random insurance business for the quote, just isn’t likely to save lots of you funds. Should you really are a new driver, a learner, a pupil, or even a motorist with little driving history, you will need to acquire a expert amount quotations.
So where do you locate these firms?
You could begin by utilizing a research motor, asking a friend for any suggestion or phoning a business up for the quote, but ahead of you do the rest -
End!
Make a decision that which you need to achieve before you just take any motion.
Do you want a fancy car insurance coverage with tons of extras? Coverage add-ons that can value you more are:
- Possessing a replacement courtesy car
- Insisting on a secured no claims reward
- Extra Legal protection
- Taking entirely extensive insurance coverage in case you don’t need to have it
Offering Cheap Auto Insurance
Insurance Buffs, a provider of multiple types of insurance - including cheap auto insurance quotes, has announced plans to get out into the communities that they market to, and speak to consumers one on one. The company highlighted its new plan in a recent address to a local consumer group. “We intend to separate ourselves from the masses of insurance companies that sit behind massive glass and brick buildings and dictate to consumers from afar,” said a representative for the company.
“Our plan is to get out in the community, and put a face on our company; letting the average consumer and know that you got more than just a group of people sitting in a tall building somewhere - we are part of the communities that we serve. We will be showing consumers the best way to get cheap auto insurance quotes, and even provide tips on how to save themselves money on their current car insurance.”
According to the representative, the company will begin its grassroots efforts in the very near future - inside of the company’s home state,” and will spread from that point - out to the company’s regional and branch offices around the country.
Can driving under influence be insured?
A new study showing that 4 million Americans admitted to driving drunk last year should serve as a wake-up call for scofflaws, according to Online Auto Insurance (OAI), because even those drunken drivers who don’t wind up hurting themselves or others can face serious consequences.
In the Sunshine State , that could mean having to pay more for higher levels of auto insurance Florida
According to the Centers for Disease Control and Prevention study, about one-third of all fatal vehicle crashes involve an alcohol-impaired driver, and almost 11,000 deaths in 2009 resulted from crashes in which at least one motorist had a blood alcohol concentration of more than .08.
Drunken drivers nationwide face penalties including incarceration and loss of driving privileges. But consequences are more severe in states such as Florida
All drivers in the Sunshine State
But DUI drivers must be insured for far more, once they are legally allowed to drive again. Policies for those who have been busted for a DUI must provide for at least $350,000 total in liability coverage per accident.
That means a minimum policy would provide up to $300,000 for bodily injury damages caused by a policyholder in an accident ($100,000 per injured person) and $50,000 for property damages caused by the policyholder.
The higher coverage levels must be maintained for three years, after which those with clean driving records can opt for lower levels.
State transportation officials will suspend your driver’s license and registration if you fail to get the required coverage, and violators must pay reinstatement fees of $150 for a first offense, $250 for a second and $500 for any subsequent violation within three years.
~ PR
Auto Insurance Claims Could Be Affected by Court Decision
A lawsuit in Michigan
The state's Supreme Court has agreed to hear a case -- No. 143330 -- involving a man who took his wife's car without her permission and crashed it while driving under the influence. The court is expected to decide whether an insurer is obligated to pay medical bills for the man, Ryan DeYoung, who drove the vehicle despite knowing he was listed as an excluded driver on his wife's auto policy.
But a previous Supreme Court ruling established the joyriding exception after concluding that the law did not apply to teens driving their parents' cars without permission, according to court documents.
An appellate panel earlier this year questioned the validity of the exception but left it up to the higher court to decide.
If the high court finds that insurance companies are not required to cover damages in such cases, that could mean parents of teen drivers who crash after taking off in the family car could be on the hook for medical fees and vehicle repairs that are the result of those accidents, according to OAI.
Statistics show that teen drivers are more likely than more experienced motorists to get into accidents, a fact that can make it difficult for families of teen motorists to find affordable coverage.
Federal safety officials say motorists from 16 to 19 are four times more likely than older drivers to get into crashes, with auto accidents accounting for one-third of teen deaths nationwide.
~ Einnews
Monday, October 10, 2011
Should I go for Liberty Mutual Auto Insurance?
Car Insurance Coverages
- Liability
- Medical Payments / Personal Injury Protection
- Uninsured / Underinsured Motorists
- Collision
- Comprehensive
Car Insurance Benefits
- Accident Forgiveness
- New Car Replacement
- Unlimited Rental
- Multi-Policy Discount
5 PRIMARY REASONS THAT KEEP INSURANCE RATES CLIMBING
(Source: Liberty Mutual):
1. People Have Accidents
With 40 million accidents in the world each year, insurance costs are hard to decrease.
What We're Doing
By teaming up with other insurance companies and consumer groups to form "Advocates for Highway and Auto Safety," we're working on programs and legislation to impact drunk driving, safety belt use, child safety seat use and speed enforcement. Liberty Mutual also supports the Insurance Institute for Highway Safety's Vehicle Research Center
What You Can Do
Drive defensively and within speed limits.
Support legislation to crack down on drunk and reckless driving.
Support police in their traffic enforcement efforts.
Think air bags, automatic safety belts and anti-lock brakes in your next car. In bad weather, drive accordingly. Or don't go if you don't have to.
2. Cars are Expensive to Repair
To repair a totaled $24,815 automobile with manufactured replacement parts, the cost would be more than $71,000 -- and that is not including the $20 to $60 per hour labor costs.*
*Property Casualty Insurers Association of America
What We're Doing
We're working to have strong federal bumper requirements reinstated, as well as on legislation to make bumper strength ratings available in new car showrooms. We also believe in fully-guaranteed Quality Replacement Parts. Equal in quality to those from auto manufacturers, they'll keep repair costs, and our rates, down.
What You Can Do
Support legislation to improve the safety and construction of automobiles.
Accept guaranteed Quality Replacement Parts as equal to original equipment.
Buy a car with a 5 mph bumper.
3. Medical Treatment for Accident Victims is Expensive
Upward trends in medical treatment costs** in the U.S.
**U.S.
What We're Doing
We're a strong advocate of meaningful, long-term, health care reform. Short-term we hope to control medical costs by preventing and reducing the severity of injuries.
What You Can Do
Always use safety belts. Always make those riding with you use them too.
Make air bags a priority in your next car.
Drive defensively and to suit road conditions.
Don't speed.
And never drive under the influence.
4. People Steal Cars
As auto theft continues to rise, so will the cost of auto insurance.
What We're Doing
Whether it's helping initiate new laws, participating in auto theft-prevention bureaus that make grants to local police departments fighting serious theft problems, or donating electronic retrieval systems to help police to recover stolen cars, we're at the front in the war on auto theft.
What You Can Do
Park in well-lit areas.
Always lock your car and take the keys.
Install an anti-theft device in your car.
5. Some People File Fraudulent or Inflated Claims
Some people believe an accident is an opportunity to make money.
What We're Doing
Aside from having our own special investigative teams to root out fraud, we support legislation to create government-run, anti-fraud units. We're also looking to reduce lawsuits while making sure seriously injured people are fairly compensated through the enactment of meaningful no-fault laws. A good no-fault law allows people injured in auto crashes to receive their appropriate medical and wage loss benefits faster, easier and still pay lower premiums.
What You Can Do
Understand that using minor bodily injuries to gain a major cash award raises everyone's rates.
Encourage legislators and insurance officials to enact a good no-fault law.
Defining Auto Insurance
AUTO INSURANCE
- Protects the policyholder against financial loss in the event of an incident involving a vehicle they own, such as in a traffic collision.
Coverage typically includes:
- Property coverage, for damage to or theft of the car;
- Liability coverage, for the legal responsibility to others for bodily injury or property damage;
- Medical coverage, for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
“Auto insurance, in the United States
All states require a motor vehicle owner to carry some minimum level of insurance, except for Virginia
Other states do not require drivers to carry insurance, but even these states offer drivers the option of carrying insurance. A motor vehicle owner typically pays insurers a monthly fee, often called an insurance premium. The insurance premium a motor vehicle owner pays is usually determined by a variety of factors including the type of covered vehicle, the age of any covered drivers, their driving history, and the location where the vehicle is primarily driven and stored.
Many insurance companies offer premium discounts based on these factors. Insurance companies provide a motor vehicle owner with an insurance card for the particular coverage term which is to be kept in the vehicle in the event of a traffic collision as proof of insurance.”
~Wikipedia
Auto insurance helps during crash
(Source: Wikipedia)
What is Insurance?
INSURANCE
- form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.
- also defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment
INSURER
- company selling the insurance
INSURED
- or policyholder, is the person or entity buying the insurance policy
INSURANCE RATE
- factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium
“Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice. The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.”
~ Wikipedia
TYPES OF INSURANCE
- Auto insurance
- Home insurance
- Health insurance
- Accident, sickness and unemployment insurance
- Casualty
- Life
- Burial insurance
- Property
- Liability
- Credit
- Insurance financing vehicles
- Closed community self-insurance
Auto insurance for car accidents
(Source: Wikipedia)
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