Where to Compare Car Insurance Quotes to Get the Cheapest Rate By Brian Stevens and Stacey Schifferdecker

Insurance premiums for the same coverage, the same vehicles, and the same drivers can vary by hundreds of dollars from one company to another. Consequently, it's very important that you compare car insurance quotes to make sure you're not paying too much.

Does it sound like too much work to get a bunch of quotes that you can compare? Not when you go online to an insurance comparison website!

Find and Compare Rates - All for Free!

The traditional method of getting quotes - calling or visiting insurance agents - will cost you hours of your time and energy, and many agents won't give quotes over the phone.

Insurance comparison websites, on the other hand, give you a fast and easy way to find cheap car insurance. On these websites, you can get rate quotes from several A-rated insurance companies with just a few minutes of your time.

And you're not sacrificing the personal touch by using an insurance comparison website either. If you have questions or problems, the best insurance comparison websites offer an online chat feature so you can talk online with insurance experts who can help you and guide you. (See link below).

How Does It Work?

When you go to an insurance comparison website, you complete one simple form with all of your insurance information, from the type of car you drive to the amount of coverage you want. Once you submit the form, the website matches your information to A-rated insurance companies that can meet your needs.

The insurance companies calculate your premium amount, including any discounts you're eligible for, then send you quotes. Once you have your quotes in hand, it's easy to sit down and compare them, choosing the policy that offers the best combination of price and coverage. And because you compared quotes, you know you're getting the best price for your car insurance!

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Are You on the Car Insurance Blacklist? By Alex Gregory

A car insurance company has taken the profound step of blacklisting certain parts of the country in which it is based due to a higher number of claims in these areas. Ireland's second largest car insurance company Quinn Direct is refusing to issue new premiums for cover in deprived areas of Cork, Waterford and Galway, as well as in parts of Tallaght and Clondalkin.

Why have these areas been placed on the blacklist?

According to the insurer, these areas amount to less than one per cent of the country's total land area - but they have been placed on the blacklist because of an "extremely poor" claims record. The move has received criticism from consumer groups who have accused the company of unfairly "targeting innocent people". Car insurance companies in Ireland are not legally obliged to provide quotes and customers who can't find cover may need to contact the Irish Insurance Federation's Declined Case Committee.

What can you do if you can't get a car insurance quote?

Car insurance is a legal necessity - driving without it could lead to jail time, so just because one insurer refuses to offer you a quote you shouldn't give in. Use a comparison website as a quick way of finding car insurance at a more affordable price. These search tools return quotes, in some cases from more than 100 car insurers, allowing you to get a perspective of the premiums you should be paying.

Of course if you live in a high crime area, or an area with a poor claims reputation, then you are probably going to face high premiums even from an insurer that will offer a quote.

You can get around this by opting for a more basic form of cover - such as third party, or third party fire and theft. These policies won't protect your car in the event of an accident but they will at least legalize your driving and protect you from claims from other motorists.{ezinearticles.com}

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How to Compare Car Insurance By Michael Broadbent

Comprehensive insurance provides complete cover for your vehicle. It protects against any risk of loss accrued due to theft, damage to the vehicle, injury or death of the driver and/or passengers in the vehicle, and loss caused by the vehicle to other persons or their property.

Third-party insurance covers only damage caused by the vehicle to other people or property.

The policy premium of a new car is based on the sales value of the car. Where as, the policy premium for an old car is based on the Insured Declared Value (IDV). The IDV is nothing but the depreciated value of the vehicle. This value is agreed upon by both the insurer and the policyholder. Generally, the insurance companies have a pre defined list of the IDVs of the vehicles, brand wise, model wise and year wise. However, the conditioned of the vehicle will determine the final IDV.

The insurance company is not liable to compensate if the driver was driving with invalid driving license at the time of accident, or for damages occurred under the influence of drugs or liquor, riots, civil war etc. If a private car meets with an accident while being used as a taxi, the insurance company is not liable to compensate.

Generally, the car insurance is sold at competitive rates. The following factors should be borne in mind before buying a Car Insurance:

No Claim Bonus: If the car owner does not make any claims on the motor insurance policy in a year, the insurance company gives a discount in the premium in the subsequent year. This discount is called No Claims Bonus. The policy holder gets a discount of up to 20% for no claims in the first two years. This discount percentage goes on increasing in the subsequent years as long as no claims are made. The opposite is also true. If a claim is made in two consecutive years, the premium will go on increasing. The No Claims Bonus clause should be read thoroughly before finalizing a Car Insurance Policy.

Memberships: If the vehicle owner is a associated with a recognized automobile association, then the owner would get a discount on the premium. If the vehicle owner fits an anti theft alarm or any protective device in the vehicle, then he is eligible for a further discount in the premium. The anti theft device should be authorized by the same Automobile Association.

Special discounts available for handicapped people, available or not: Certain companies offer special premium discount for handicapped persons.

To avail this discount, the vehicle should have been altered for the use of the handicapped person. Different insurance companies offer varied discount rates. In case you are using such a vehicle, then compare the discount rates before going in for a car insurance.

Easy renewal procedure: Apart from monetary factors, check which company offers simple and easy paper work for renewal as well as for claims.{ezinearticles.com By Michael Broadbent}

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Tips for Saving Money on Car Insurance By Anthony Shelton

Car insurance is required by all licensed drivers but many of them don’t know how to find the best rates available. Being complacent and purchasing car insurance without carefully investigating your options or maintaining the same car insurance for the remainder of your life could mean that you are paying too much for your car insurance. Comparison shopping, ensuring that you are receiving all the discounts you qualify for and maintaining a clean driving record are just a few of the money saving tips that can save you a fortune on car insurance.

Comparison shopping for car insurance, even after you are already insured, cannot be underestimated. It is critical that you investigate all of your options before choosing an insurance provider to ensure that you are getting the best possible rate on your car insurance. There are so many factors considered in car insurance policies such as where you live, your driving record, your age and the type of car you drive just to name a few. With all of these factors to consider, it is very possible that you will find that there is a car insurance provider who will offer you a considerably lower rate than other providers.

Even after you have secured insurance for your car, it is wise to periodically check the rates that other providers will offer you. Car insurance as well as your circumstances are perpetually changing and you may find that the provider who is willing to offer you the best car insurance rate varies periodically. Many car insurance providers offer a host of discounts to their clients who qualify for these discounts. These discounts can relate to your driving record, safety features of your car, your age or other factors.

These discounts can result in a tremendous cost savings on your car insurance policy but while many insurance providers offer these discounts, they don’t always advertise them. This means that you may have to do research to determine what type of discounts you may qualify to receive. Carefully, review your car insurance policy to determine which discounts you are already receiving and then contact your car insurance provider to inquire about other discounts that may be available. For example if your driving record is devoid of accidents or tickets, you may qualify for a good driver discount.

Also, if your car has certain safety features such as daytime running lights, you may also qualify for car insurance discounts. Your age can also qualify you for certain car insurance discounts. Some insurance providers also offer discounts to those who insure their house with the same company as they insure their car. Taking advantage of this type of discount can save you money on both your car and home insurance. Being aware of the discounts that are available and ensuring that you are receiving these discounts, can save you a great deal of money on your car insurance.

Finally, maintaining a clean driving record is very important to receiving the best available car insurance rate. While it is true that each car insurance provider is unique in the factors that contribute to lower rates, the one factor that is consistent among all providers of car insurance is that a clean driving record is critical to your rate. Although accidents are sometimes unavoidable, it is imperative that you adhere to all traffic regulations and that you drive safely at all times. This will reduce the number of traffic violations that you incur as well as the number of accidents that you cause. Following these tips will help you to maintain a clean driving record that will keep the cost of your car insurance low.

Many drivers lament paying their monthly car insurance bill because they feel as though the insurance isn’t necessary. Although car insurance is a financial burden that seems superfluous, it does pay off if you are ever in a serious car accident that has significant financial ramifications. For this reason, you should never consider allowing your car insurance to lapse and it is recommended that you search diligently to find the best available rate on your car insurance.{ezinearticles.com}

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