Tag Archives: Comparison Website

Auto Gap Insurance – How to Get the Best Rate

  By John | February 12, 2010 - 12:56 pm | Auto Insurance
4 Comments

Auto gap insurance is a must-have if you’re leasing a car or if you’re “upside-down” in your car, meaning you owe more than it’s worth. Read on to learn what gap insurance is and how you can find a low-cost policy.

What is Gap Insurance?

Everyone knows that if you buy a new car, its value plummets as soon as you drive it off the lot. Suddenly, the car you financed for $25,000 may be worth only $20,000.

So imagine that this same car is totaled within the first year or two of owning it. “That’s OK,” you think. “I have collision coverage, which will pay me enough to pay off my car loan and get a new car.”

But then you find out the insurance company sets the value of your car at considerably less than what you still owe on the car. Now you are not only without a car, but you still have to finish paying off the finance company.

This is where gap insurance comes in to save you. A gap policy covers the difference between the value of your car and what you owe the finance company. Gap policies are often required when you lease a car and are a good idea for the first couple of years after you buy a new car.

Where Can I Get a Gap Policy?

You can probably purchase a gap policy through your auto dealership or leasing company. However, this is the most expensive option for what is usually a pretty inexpensive policy.

A better option is to check with your current insurance company to see if they can add gap insurance to your existing policy, or go to an insurance comparison website where you can get quotes from a number of different companies, compare them, then choose the cheapest rate (see link below).

Where Can I Get a Cheap Rate?

Visit http://www.LowerRateQuotes.com or click on the following link to get auto gap insurance rate quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/auto-gap-insurance-how-to-get-the-best-rate-399781.html

How to Find Auto Insurance Quotes

  By John | November 28, 2009 - 4:04 am | Auto Insurance
3 Comments

Maybe you’ve been denied by many companies if you have an awful driving record. Or maybe the auto insurance quotes you’ve got were extremely high-rated and out of your budget. The online ads of auto insurance quotes do seem promising, but the reality is that they charge more if their customer is a high-risk driver. But the good news is that there companies which provide cheap and effective schemes.

Now the question arises how one becomes a high-risk driver. There could be many reasons .One of them is having a rickety driving background with numerous speeding tickets. A DUI or DWI on your driving record can also prove to be harmful for getting a good and cheap insurance quote. This can also affect your auto insurance premium greatly. There is an unusual type of insurance called SR-22 for high-risk drivers.

A young driver under the age of twenty five or the one having his or her own sports car may be taken as a high risk driver. One’s auto insurance premium can be affected by his or her financial credit ratings. These criterions vary with each insurer. All car insurance companies charge more for high-risk drivers. Luckily, from your home computer, you can compare various companies at the same time and can save your money.

Comparing auto insurance quotes is quite simple using internet. One has to just find an auto insurance comparison website. This saves time and there is no need to visit several companies personally. Some sites offer general quotes, whereas others show more information that a customer would need. While comparing various auto insurance schemes, look for the companies that focus mainly on high-risk drivers. These will provide good schemes for high risk drivers as high-risk driving insurance is their specialty. Once your search is narrowed to only few companies, you may personally speak to the agent to get a summarized quote.

Eliminate of the types of coverage you don’t need is also a main part of your plan. The basic types of coverage include accident, legal responsibility (property spoil and body wounds), underinsured motorist coverage, medical expenditure, and physical injuries. More liability is always better. To visually see what each company offers, manually take out the print outs of various quotes provided by the companies. Keep your driving record clear to decrease your premium. It’s always better to wait for the best.

Alien
http://www.articlesbase.com/insurance-articles/how-to-find-auto-insurance-quotes-677504.html

How to Get Cheap Student Auto Insurance

  By John | October 30, 2009 - 11:09 pm | Auto Insurance
7 Comments

Auto insurance is one of the biggest expenses students face, right up there with tuition and books. In fact, students can pay anywhere from $2,000 to $10,000 a year for auto insurance, depending on such factors as their …

* Age

* Gender

* Driving record

* Garage location

Fortunately, students can get cheap auto insurance. How? Read on to find out!

Be a Girl

Okay, you don’t have much control over this, but it’s a fact that insurance costs less for women under age 25 than for men under age 25. Men are statistically more prone to having accidents and therefore their insurance rates are higher.

Live Clean and Drive Safely

Do not drink or take drugs and then drive. A DWI or DUI will drive your insurance premium up dramatically, and keep your rate high for years to come. Also, keep your driving record clean by obeying speed limits and other driving laws.

Keep Up Your Grades

Most insurance companies offer discounts to students who maintain a B average or better. You’ll need to show your insurance agent proof of your grades to get this discount.

Buy a Sensible Car

Your dream car may be a Mustang, a Firebird, or a Camaro, but you’ll pay a lot more for your insurance with these types of “muscle” cars. Opt for a car that’s less expensive to repair and is less tempting for thieves. Also avoid cars with high horsepower, as insurance rates are higher on these cars.

Walk or Bicycle at School

If you can manage without a car while you’re at college, leave your car at home. You can adjust your policy so you’ll still be covered when you’re at home for vacations.

Increase Your Deductible

By increasing your deductible – the amount you pay toward a claim before your insurance company pays – you can save up to 40% on your car insurance premium.

Shop Around

Make sure you’re getting the best price on car insurance by doing some comparison shopping. Go to an insurance comparison website and enter your vehicle, driver, and insurance information. You’ll then receive auto insurance quotes from multiple A-rated companies and you can choose the one with the cheapest rate.

The best comparison sites offer tips on how to save money on your insurance, and even have an insurance expert on call so you can get answers to your insurance questions online or by phone. (See link below.)

Visit http://www.LowerRateQuotes.com or click on the following link to get cheap student auto insurance quotes from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/how-to-get-cheap-student-auto-insurance-182575.html

Auto Insurance Comparison Shopping – Best Rates and Best Companies

  By John | October 18, 2009 - 4:52 pm | Auto Insurance
Comments Off

Comparison shopping on the Internet has become a worldwide phenomenon. In just minutes you can compare products and prices in virtually any category. Here’s how to go auto insurance comparison shopping and find the best rates and the best companies.

Auto Insurance Rate Comparisons

When it comes to auto insurance rate comparisons you need to get quotes from a variety of different companies to make sure you’re getting the best rate. Single-company websites run by large insurance companies only give you their quotes, and even the ones that say they give you comparisons from other companies may only give you one or two quotes.

In order to get the best auto insurance rate for your situation you need to go to an insurance comparison website where you can get quotes from a number of different companies. These sites have you fill out a questionnaire where you can enter the deductibles and discounts you want so you’ll get their cheapest rate.

The better sites have two features that will help you with your auto insurance rate comparisons: 1. An “Articles” or “Advice” section where you can get money-saving tips and other information on auto insurance. 2. A chat feature where you can ask an insurance expert questions about auto insurance. (See link below.)

Auto Insurance Company Comparisons

After you choose a company, you need to make sure they’re reputable and will pay your auto insurance claims. My favorite sites to check up on auto insurance companies are:

* State insurance department websites – Every state has a website run by their insurance commissioner that lists agents and companies. Here you can find complaints filed against companies to see which ones have the fewest.

* Epinions.com website – This site has a product rating and review guide for everything under the sun, insurance companies included. Here you can get inside information – ratings and reviews – from actual company customers.

Bottom Line

When it comes to auto insurance comparison shopping, using the Internet is a real no-brainer. It’s quick, it’s efficient, and it’s easy. Why not visit one now and see how much money you can save?

Visit http://www.LowerRateQuotes.com or click on the following link to get auto insurance comparison quotes from top-rated companies in your area. You can get more car insurance tips by checking out their “Articles” section.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/auto-insurance-comparison-shopping-best-rates-and-best-companies-128619.html