Tuesday, October 12, 2010

Affordable Auto Insurance: How to Qualify

Affordable Auto Insurance: How to Qualify

For many people, their car is by far their most expensive possession, but they may not be aware of how to calculate exactly how expensive it will be. Aside from the purchase price, there's (usually) sales tax, registration fees, gas, insurance... owning a car is an expensive preposition!

While most people probably realize the need to shop around before purchasing auto insurance, what they may not realize is the many ways that your actions affect how much you have to pay. So what are some things that you can do to lower your rates?

Insurance companies are, obviously, more interested in insuring people who aren't going to cost them money, which mostly means safe drivers; clearly, getting into accidents will raise your rates! However, there are a number of other factors that contribute to your rate as well. Type of car is a big one; a model which is rarely stolen and has a high safety rating will cost less to insure, while more expensive cars will naturally cost more. Anti-theft devices such as Lojack or the Club tend to give small discounts as well.

Aside from the obvious, insurance companies look at other factors that they believe indicate how responsible you are. Have a lousy credit score? You're likely to see your rates rise under the assumption that carelessness with money translates into careless driving as well. Get good grades in school? Showing responsibility there suggests you'll be a good driver as well, leading to lower rates.

By law, everyone who drives has to have auto insurance, but how much you spend on it is largely up to you.

Article Source: http://EzineArticles.com/?expert=William_M_Springer

Thursday, September 23, 2010

Car Accidents - Filing Insurance Claims

Car Accidents - Filing Insurance Claims

Car accidents are both a severe danger and a great burden for both parties involved. After getting into an accident, individuals usually have to file insurance claims to help offset the costs of medical expenses and auto repair bills. At-fault drivers are liable for covering those with whom they collide.

The process for filing an insurance claim begins with the accident itself. Individuals who are not at-fault in the accident should get insurance information from the at-fault driver.

Also, one of the affected motorists should call the local police station to get an officer at the scene of the accident.

The police report that ensues from the crash is very important. It is what lets insurance companies know who is at fault in a particular accident.

This comes in handy when the driver who is not at fault calls the at-fault driver's insurance agent to file a claim.

Usually, the insurance agent will send out an adjuster to the affected driver's home. The adjuster will thoroughly inspect the vehicle and take note of all the damage incurred in the crash.

Based on the car's make, model and year, as well as the amount of damage inflicted, the adjuster will set a claim amount.

This claim amount is the amount of money that the insurance company will pay for the motorist's auto repairs.

Typically, individuals have to choose a repair shop that the insurance company recommends, as the insurance company will pay the repair shop directly.

While the process of filing a claim is usually pretty straightforward, some claims can be more difficult when the adjuster does not disburse an adequate amount of funds or the at-fault driver is under-insured.

In these cases, you should discuss your legal options with the experienced New York City insurance claim attorneys of Parker Waichman Alonso, LLP.

Article Source: http://EzineArticles.com/?expert=David_S_Caldwell

Tuesday, July 13, 2010

Advantages Of Seeking Out Car Insurance Via Internet

Advantages Of Seeking Out Car Insurance Via Internet

The main advantage of looking for car insurance quotations through the internet evaluation engines is that it is both a time saver expedition and also money saver too. This is a good alternative because all you have to do is go to the insurer's webpage and put forward your details so that you can be given a quote. The only negative side of it all is that you will only get a more general estimate than the real actual figure.

The actual car insurance rate that you were charged by the insurer will only vary significantly after the insurer has placed certain factors into more fundamental thought that the search or comparison engine did not consider. The factors obviously range from elements tat are within your control for instance driving record and even car make to other factors that are beyond your control like environment

These considerations are explained below, these are factors that the insurer will consider and will have effects on your final car insurance rate since they are not factored in when you get instant quotation request

First of all it is your financial history: what is your position with your creditors? How many people will be enclosed by the policy as the drivers for the car being insured? The insurer will also take into consideration the rate you used to pay for your preceding car insurance policy.

The function of the vehicle will also be factored, is it a commercial or a private automobile?

The insurer will also take into consideration for how long you have had your driving license as well as the modifications that you have done to your car especially those developments that make the car safer like airbags, car alarms and car tracking devices

By: Sebastian Delap

Article Directory: http://www.articledashboard.com

Wednesday, March 24, 2010

Cheap Car Insurance - A Must For All Car Owners

Cheap Car Insurance - A Must For All Car Owners
By Jimmy Jenkins Ray

In today's world there are very few people who do not own a car and every person who owns a car realizes the necessity of cheap car insurance for them.

With the ever rising thefts and accidents happening all over the world, it has become inevitable to procure car insurance so that you can have some peace of mind regarding the safety of your prized possession.

In order to procure a cheap car insurance policy, there are some points that need to be kept in mind. Firstly ascertain that the policy becomes effective the moment it is signed.

Another point to be looked into is to make sure that the vehicle is given a fair quotation. Also remember to see that you do not give any false information to the company as you will not get a fair deal if you provide false information. Never delay your premiums as this may create a problem for you when an emergency crops up.

The biggest benefit of auto insurance is that you will not have to spend any money for setting your car right in case of an accident as the insurance company will take care of the problem completely. This is a very big relief especially for middle class people who do not have the money to afford such expenditure.

The best way to procure cheap car insurance is to log onto the net where there are umpteen insurance sites of different reputed companies which offer insurance quotes for you to choose from. You can secure insurance quotes from various companies to compare the premium rates and then decide on an insurance that will suit you in every way.

Installing safety measures in your car against theft and fire, having years of experience on safe driving and people with a good credit profile are more likely to secure a cheap insurance policy without any difficulty.

You can always find a cheap car insurance provider, if you do your research well. Use the internet to find someone from your locality and make sure to read all the reviews on the service provider. Click here to know more about cheap car insurance

Article Source: http://EzineArticles.com/?expert=Jimmy_Jenkins_Ray

Wednesday, January 13, 2010

Things To Consider When Buying Temporary Health Insurance

Things To Consider When Buying Temporary Health Insurance

If you are between jobs and thinking about skipping health insurance just to save money, think again. With the high cost of medical care these days, one accident or catastrophic medical event can drive you deep into debt if you don’t have coverage. Thus, you should consider what you’ll be spending on health insurance premiums as a way to buy yourself peace of mind and provide yourself with a safety net – even if you never actually use the policy.

For the unemployed, the best way to get coverage is to buy temporary health insurance. This type of policy provides you with health coverage for between one to twelve months, and has affordable premiums. You can also consult any doctor or health professional you want, although if you’re going to be hospitalized for anything other than an emergency condition, you should consult with the insurer first to ensure that your hospital bills will be reimbursed.

There are, however, many drawbacks to temporary policies. The main one is that pre-existing conditions are not covered. A pre-existing condition is a medical problem that you were diagnosed with a certain period before you applied for the policy; just how long before depends on your state’s laws and the insurer’s guidelines.

Another drawback is that many insurers do not cover the cost of preventive health care, such as routine doctor’s visits, which you will have to pay for out-of-pocket. What this form of temporary insurance does cover is emergency care, surgery and hospitalization costs. In other words, you are basically covered only for major medical problems. Also, if you are considering guaranteed health insurance (plans in which you cannot be refused coverage based on your health status) you should not take out a short-term health policy, as this will make you ineligible for guaranteed issue plans.

So what are the factors you should consider when choosing a health plan? There are two, both related to costs – the deductible and the out-of-pocket maximum. The deductible is the share of medical costs you will shoulder out-of-pocket before the insurer begins paying under the terms of the policy. The higher the deductible, the lower the amount of monthly premiums you will have to pay.

Limited-term health plans typically have high deductibles, so you will have to pick a policy with a deductible you can afford. The out-of-pocket maximum is the total amount of health care the insurer requires you to pay; beyond this amount, the company will cover all of the medical costs that they deem to be medically necessary. When selecting a policy, make sure that the out-of-pocket maximum is at a level that is still affordable for you.

While doing all of this homework may seem daunting to you, not doing it is worse. One unplanned hospital visit can wipe you out financially. So it makes more sense to be covered in case of unforeseen accidents or other catastrophic events. With all its limitations, temporary health insurance is still the most affordable way for you to get coverage and protect yourself from crippling medical bills.

By: Jared Ingram

Article Directory: http://www.articledashboard.com

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