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12 Car Insurance Money Saving Tips

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Auto It can be quite a daunting experience trying to purchase car insurance, and with the myriad of products and sales channels available today, it is often difficult to know where to start the process. It can be even more complicated when you start to look to reduce your premiums without sacrificing either your levels of cover or increasing your risk. As most motor insurance is basically rated by your birth date and age, and your postcode or zip code, short of moving property or growing older, it often appears that reducing your vehicle insurance premiums is an impossible task. This is not n...

Insurance Expert on March 30, 2010 0

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Student Insurance Plans

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Best Insurance As a student going through your scholarly life, you think you wouldn’t need student insurance, don’t you? Well, unless your family is already covered by group insurance, chances are you’re going to need a policy as well, given the many accidents and untoward incidents you may face as a student (especially if your course requires a lot of field or machine work). In finding student insurance plans, try to begin with the one closest to you—your parents. If you still can’t find it through them, then you may inquire with your school about the coverage they may provide, or receive recommen...

Insurance Expert on March 1, 2010 0

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Renew Your Car Insurance

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Auto We have come to accept that car insurance is a fact of life. While necessary, the process of renewing your car insurance can sometimes be confusing. The standard for all major insurance carriers is to write automobile insurance policies with six month policy periods. This is done to allow the company to reassess risk on a regular basis and to keep insurance affordable. At the end of every six month policy period, you will need to renew your policy.  You may occasionally run into a carrier that will write an auto policy with a twelve month policy period. The procedures you will go through t...

Insurance Expert on February 12, 2010 0

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Auto Repair Insurance

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Auto What is auto repair insurance? Why should I get it? What purpose does it serve? Auto repair insurance is a type of insurance contract between the owner of the vehicle and the insurance company where the company agrees to shoulder all repair costs of your insured car for a specific amount of time commensurate to your coverage. Why should you get it? Accidents do happen, and there is the probability that you might get into a vehicular or car accident in a given period of time. Auto repair insurance will shoulder car repair costs, provided that all requirement...

Insurance Expert on January 30, 2010 0

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Drive Less? Pay Less for Insurance

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Auto If you have a car that spends most of its time parked in a garage, a couple of insurers have a deal for you: auto-insurance rates based on how much you drive, among other factors that suggest you present a lower-than-average risk. The thinking behind the mileage-based discounts offered by Progressive Corp. and GMAC Insurance is that people who rarely drive are less likely to get into accidents and thus are profitable customers even if insurers offer a big discount. "The idea is there are many people who drive fewer-than-average miles, and historically they have not been able to get a rat...

Insurance Expert on December 8, 2009 0

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The Role of Insurance in Your Financial Plan

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Money Saver Your financial planning isn't complete until you assess and address your insurance needs. This article describes different types of insurance and suggests ways to make sure you are adequately covered. 1 The Role of Insurance in Your Financial Plan Insurance is an important element of any sound financial plan. Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death. 2 What Are Your Insurance Needs? The insurance decisions you make should be based on your family, age...

Insurance Expert on December 7, 2009 0

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Safest 2009 Cars

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Auto Mom and Dad told you to look both ways before you cross the street. But they likely never advised you to buy a car that would keep you safe while driving down it. Today's parents might suggest the 2009 Audi Q7. It earned the National Highway Traffic Safety Administration highest crash-test ratings of five stars. It also earned the Insurance Institute for Highway Safety's highest rating of triple "good" in front, side and rear impact testing. It has driver and passenger head restraint whiplash protection, front side airbags for chest and pelvis protection and energy-absorbing padding under t...

Insurance Expert on December 4, 2009 0

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About Declarations Pages in Auto Insurance

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Auto To break the declarations page down further, we’ll discuss each aspect presented on the page, and this is done in no particular order, meaning your declarations page may or may not have the same information in the same order listed here. First we’ll mention the auto insurance company’s information on the page. The declarations page will have the name of the insurance company, as well as their contact information including a phone number and address. If you need to contact the company, the information is readily available here and also on the insurance card that you should have somewhere ...

Insurance Expert on December 1, 2009 0

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Car insurance for young drivers

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Auto Young drivers might find it difficult to find cheap car insurance. We look at why this is and how young drivers can get insured for less. Statistically young drivers are more likely to be involved in an accident than older drivers and this means their insurance premiums will cost more. When young drivers buy car insurance there are several things to consider. Why do young drivers pay more for their car insurance? Car insurance premiums are calculated depending on the likelihood of the driver being involved in an accident and the cost of the claim if that happened. Unfor...

Insurance Expert on November 30, 2009 0

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How To Know if Your Insurance Covers You in Another Car

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Auto You’re at a relative’s house and they’ve run out of milk and need you to go get some, but you don’t have your car with you. They offer to let you use their vehicle to go to the store, but how do you know if you are covered in their car? This question can pose quite an issue. What if their insurance policy doesn’t cover you? What if they don’t have insurance? What if they don’t have enough insurance? These are all very valid questions, so how do you find out if your insurance policy covers you while you are driving another vehicle? In most situations an insurance policy follo...

Insurance Expert on November 13, 2009 0

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Carry Through The Quotes Compare And Settle For The Best

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Auto Auto Insurance Factors On Which The Quotes Depend: Most of the insurers follow a monotonous guideline to assess the risk factor at the time of deciding the paramount owing to the auto insurance. These factors lock up type of car you own, parameter of the car, your driving record, your health condition etc. Provide the van with as much details as possible; this will nail down you wind up the best quote owing to your car. For the third party insurance, the premium is low as only basics are hidden under the plan. If you wrap up to fling for the comprehensi...

Insurance Expert on November 10, 2009 0

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Free Car Payment Insurance: What's The Catch?

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Auto When you're unsure about buying a new car because the job market looks shaky and your current job doesn't feel stable, is there any reason why you should take the new-car-payment plunge? One reason might be car payment protection plans that are offered for free by car makers such as GM, Hyundai (OTC:HYMLF) and Ford (NYSE:F). How Does It Work? When you lose your job in a way in which you would qualify for your state's unemployment compensation program, your payments will be made for you up to a set amount and for a set number of months. However, if your pay is reduced and y...

Insurance Expert on November 6, 2009 0

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12 Car Insurance Cost-Cutters

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Auto Due to the litigious nature of our society and the rising cost of vehicles, car insurance rates are hefty throughout the nation. The bad news is that insurance isn't likely to lessen in price any time soon. The good news is that there are things that you can do to minimize increases and/or lessen the burden on your wallet. Let's take a look at 12 tips you can employ to save your driving dollars. 1. Insure Multiple Cars/Drivers If you obtain a quote from an auto insurance company to insure a single vehicle, you might end up obtaining a higher quote (per veh...

Insurance Expert on November 6, 2009 0

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