Antique Car Insurance Advice

How To Obtain Car Insurance For An Antique Car

Many people choose to restore and show antique cars as a hobby. But even these cars need some type of insurance to protect against accidental damage. This is why many people search for car insurance for an antique car. There are many companies available that provide car insurance for an antique car, with many companies specializing in antique car insurance. By having a wide variety of car insurance companies to choose from, the consumer has the ability to choose the right type of insurance for their needs.

Car Insurance Companies

Many commercial car insurance companies can also provide car insurance for an antique car. Also called collector car insurance, these policies are tailored to the car you are attempting to insure. A car insurance representative will take all of your information and discuss different policy options with you to ensure that you are obtaining the coverage that you need. They will also help you decide which types of coverage are within your target budget and which deductible and limit levels you will need.

Purchasing car insurance for an antique car through a commercial car insurance company will give the policy holder peace of mind, knowing that the company that they have chosen to do business with is an established company with a good reputation. The policy hold may also have their everyday use cars insured with the same company. The security of having an established company provide car insurance for an antique car is well worth the premium that they will charge you to provide insurance for your antique car.

Independent Insurance Companies

There are also many independent insurance companies available to purchase car insurance for an antique car. These companies tend to specialize in antique car insurance and will not insure any other types of cars. Some of these independent insurance companies will only insure a particular type of antique car, so if the car you are attempting to insure is a rare one, if may be difficult to find an insurance provider that will insure it. When choosing an independent insurance company to provide car insurance for an antique car, be sure that the company is a reputable one. You do not want to find that after months of paying the insurance premiums that the company will not or is unable to pay your insurance claim.

Finding car insurance for an antique car can be a lengthy and frustrating process, but the benefits of having insurance for the car far outweighs the initial hassle of finding the insurance. Many antique cars are worth many thousands of dollars and that is a big loss if the car is ever stolen or totaled. Having car insurance for an antique car may be the most valuable insurance that you ever purchase.

Cheap Car Insurance Is Easy To Get Online

Car insurance is an added expense over and above the considerable expense of owning and maintaining a car, particularly when you consider all the other types of insurance that are necessary in today’s world, so it is only natural to want to get cheap car insurance without compromising on coverage. Luckily, cheap car insurance is well within your reach, provided you know how to get it.

The Internet is the best place to start when shopping for cheap car insurance. Insurance companies are now geared to provide you with a quote online but you will still need to shop around and compare quotes, and keying in your details separately for each insurance company you want a quote from can be a hassle. The answer is to use an insurance company that allows you to get multiple quotes online. You enter your details online, and the insurance company will draw up individual quotes for a number of insurance providers (sometimes as many as eight) and send them to you all in one go. How cool is that? You will even save on your phone bill because you won’t need to use the phone to get your quotes.

There are a number of other things you can do to reduce your car insurance besides getting cheap car insurance quotes online. You can increase your excess which will decrease your premiums on a monthly basis but substantially increase the amount you will have to pay out of your pocket when you claim. Accidents happen when you least expect them so you need to be sure you can afford to pay such a high excess if you go this route. All new cars now have to be insured before they leave the showroom floor these days but you can limit the amount of insurance you will have to pay by purchasing a cheap or moderately priced car. To insurance companies, cheaper cars mean cheaper repairs which means they will have to fork out less. The result is a lower premium for the consumer who buys a cheaper car.

Ensure that your car is parked in a secured area like a garage or lockable car port at night, and consider fitting additional security measures such as a gear-lock, as this can help you get a cheaper package. Speaking of packages, it is often cheaper to have a combined coverage package, where you insure your car, home and possessions with one insurance company than several separate premiums with different companies. Avoid driving a high-risk vehicle or expensive car if you can. High-risk vehicles are the makes and models of cars that insurance companies consider to be vulnerable to theft and hi-jacking, and your premium will be raised accordingly. Also, expensive cars tend to be expensive to repair, so you can expect your insurance premium to be higher than if you had a cheaper car.

As you can see, there are a number of ways to get cheaper car insurance, but cheaper is not always better because it can mean you aren’t adequately covered. You need to be clear on what your insurance status is and what adequate coverage costs, and then decide how far over and above a reasonable insurance premium you want to go with extras.Car insurance is an added expense over and above the considerable expense of owning and maintaining a car, particularly when you consider all the other types of insurance that are necessary in today’s world, so it is only natural to want to get cheap car insurance without compromising on coverage. Luckily, cheap car insurance is well within your reach, provided you know how to get it.

The Internet is the best place to start when shopping for cheap car insurance. Insurance companies are now geared to provide you with a quote online but you will still need to shop around and compare quotes, and keying in your details separately for each insurance company you want a quote from can be a hassle. The answer is to use an insurance company that allows you to get multiple quotes online. You enter your details online, and the insurance company will draw up individual quotes for a number of insurance providers (sometimes as many as 8) and send them to you all in one go. How cool is that? You will even save on your phone bill because you won’t need to use the phone to get your quotes.

There are a number of other things you can do to reduce your car insurance besides getting cheap car insurance quotes online. You can increase your excess which will decrease your premiums on a monthly basis but substantially increase the amount you will have to pay out of your pocket when you claim. Accidents happen when you least expect them so you need to be sure you can afford to pay such a high excess if you go this route. All new cars now have to be insured before they leave the showroom floor these days but you can limit the amount of insurance you will have to pay by purchasing a cheap or moderately priced car. To insurance companies, cheaper cars mean cheaper repairs which means they will have to fork out less. The result is a lower premium for the consumer who buys a cheaper car.

Ensure that your car is parked in a secured area like a garage or lockable car port at night, and consider fitting additional security measures such as a gear-lock, as this can help you get a cheaper package. Speaking of packages, it is often cheaper to have a combined coverage package, where you insure your car, home and possessions with one insurance company than several separate premiums with different companies. Avoid driving a high-risk vehicle or expensive car if you can. High-risk vehicles are the makes and models of cars that insurance companies consider to be vulnerable to theft and hi-jacking, and your premium will be raised accordingly. Also, expensive cars tend to be expensive to repair, so you can expect your insurance premium to be higher than if you had a cheaper car.

As you can see, there are a number of ways to get cheaper car insurance, but cheaper is not always better because it can mean you aren’t adequately covered. You need to be clear on what your insurance status is and what adequate coverage costs, and then decide how far over and above a reasonable insurance premium you want to go with extras.

Nebraska Car Insurance Guide – Steps to Finding Cheap Nebraska Car Insurance Rates

It is very important to make sure that you have proper Nebraska car insurance coverage if you are a Nebraska resident. The state of Nebraska chose the honey bee as their state insect probably because it is so industrious. You may want to mimic the behavior of this busy bee and shop around for car insurance if you live and own a car in the state of Nebraska.

Nebraska follows a Tort system of law in regards to car accidents. This means that someone must be found to be at fault for causing the accident, and that person and their car insurance company is responsible for all damages.

Nebraska state law only requires that you carry liability car insurance. The state requirements are Bodily Injury Liability in the amount of $25,000 per injured person up to $50,000 per accident.

You must also have Property Damage Liability car insurance coverage in the amount of $25,000. Keep in mind that if you are found to be the cause of an accident, you will be held personally and financially responsible for any and all damages and medical expenses that is not covered by insurance. Medical expenses and car repair costs add up fast, so you may want to purchase more than the minimum amount of car insurance required.

For more information on the required amount of insurance, or if you have any questions about Nebraska’s car insurance requirements, you can call the Nebraska Department of Insurance located in Lincoln or speak with a licensed Nebraska auto insurance agent.

While not required by Nebraska law, you may want to purchase comprehensive car insurance coverage. If you are in an accident, comprehensive car insurance will pay for repairs up to the Blue Book value of the car, and if the costs will be in excess of this amount the car will be deemed to be totaled and you will receive the cash value of the car. Comprehensive coverage may be required by your bank or other financial institution if you have a car loan or lease your vehicle. In some cases gap insurance might be a good idea as well. Gap car insurance will help make up the difference between what is paid by comprehensive car insurance and what is owed on your loan if your car is found to be totaled in an accident.

Also not required by the state of Nebraska, you may want to purchase collision car insurance coverage. Collision coverage will pay for the repairs to your car, minus your deductible, in the event you are involved in an accident.

Personal Injury Protection, commonly called PIP insurance added to your car insurance coverage will help pay for reasonable and necessary medical expenses for you and your passengers. While Nebraska state law does not require Personal Injury Protection, you may want to seriously consider this type of coverage. Personal Injury Protection car insurance will help with medical expenses, lost wages, and replacement services for any injuries to you and your passengers if you’re involved in a car accident.

You might also want to consider underinsured/uninsured car insurance coverage. This type of coverage protects you if you or your passengers are injured in an accident caused by a driver who has no insurance, or is underinsured. Underinsured/uninsured car insurance coverage will pay for such things as medical expenses, lost wages, other general damages, and injuries sustained in hit-and-run accidents.

The Nebraska Department of Motor Vehicles uses the phrase proof of financial responsibility in some of its forms and documents. This means the state wants to see documentation proving that you have a valid car insurance policy that will cover any personal or property damages you may cause in a car accident.

If you have amassed too many points on your driving record, or have been convicted of driving while intoxicated, were involved in a serious accident, or previously failed to maintain proper car insurance, you may need to file a valid SR-22 Nebraska Certificate of Insurance to be issued a new driver’s license. There are some key things that you should know if you are looking to purchase Nebraska SR-22 auto insurance.

An SR-22 Certificate of Insurance, simply states that you have proper and valid car insurance. You’re insurance company must mail or personally deliver this document to the Nebraska Department of Motor Vehicles. The SR-22 form will contain the name of your insurance company, your car insurance policy number, the effective date of your car insurance coverage, and the signature of your car insurance company’s licensed representative. If you are required to have a SR-22, the Nebraska Department of Motor Vehicles will track your car insurance information through a special computer system to make sure you have adequate proof of financial responsibility.

To obtain more information about an SR-22 Certificate of Insurance, you can call the Nebraska Financial Responsibility Division at (402) 471-3985.

When purchasing car insurance in Nebraska, it may save you hundreds of dollars a year in car insurance premiums to do some research. Take the time to shop around and compare rates and the different types of coverage available.

In addition to shopping for the best rate, shop for the best insurance company as well. Ask questions such as: How do you determine my Nebraska car insurance rate? What can I do to get a better rate? Do I qualify for any discounts? What kind of payment plans to you offer? What is your procedure for filing a claim? You may want to pay close attention to the car insurance company’s answers to these questions, it could help you determine which Nebraska car insurance company is going to give you the best customer service, as well as a good rate.

Be sure and compare rates from multiple Nebraska auto insurance companies side by side in order to find the best rate. Get started comparing auto insurance quotes today!

Top 10 Misunderstood Things About Car Insurance

After spending many years in the insurance industry we have come up with a top 10 list of most misunderstood things about car insurance. These car insurance myths are some of the most common questions that most people have about direct car insurance either buying or reviewing their auto insurance coverage. Its better to find out now before you have a claim and it’s too late.

I just got my 1st speeding ticket my insurance rates are going to go way up.

Reality: If this is your first ticket your rates probably won’t even change. Most direct car insurance providers will give you a pass if you don’t have any other tickets or claims in the past 3 to 5 years depending on the company.

That new Plasma TV I bought last year won’t affect my Car Insurance

Reality: If you didn’t pay the credit card you charged it on then it just might. Almost all insurance companies now use some form of credit scoring when determining not only if you will qualify for insurance, but also what you will pay. There can easily be 50% difference in rates for a person with excellent credit to someone with poor credit.

I just slammed my car door into my lawnmower parked in my garage, my homeowners policy will cover it

Reality: Your homeowner’s coverage has nothing to do with covering your car. The only way your car will be covered is if you have Comprehensive (Comp) coverage for your car. And then only after you pay you deductible.

I just cracked up my friends car and I tell him don’t worry my insurance will cover it

Reality: It will but only after your friends policy pays first. So let’s say your friend has a $500 collision deductible and you have a $250 deductible. You would have to give your friend the $500 for his deductible as his insurance company is Primary. Meaning your insurance will only pay after his policy limits are exhausted. So just remember in this scenario your deductible does not matter its going to be based on your friends.

If you’re riding your bicycle and get hit by a car your car insurance won’t get involved

Reality: If you get hurt or killed while riding your bike or even walking down the street you maybe surprised to learn that you may be covered by your direct car insurance policy. If the person driving the car didn’t have any insurance or not enough insurance to cover your injuries, your Uninsured or Underinsured coverage would pay for your claim.

Someone just broke into my car and stole all of my personal belongings out of it i.e. Cd’s, Cell phone, Christmas Presents, my car insurance will pay for it.

Reality: Your car insurance does not cover your personal belongings left inside the car. You are going to have to file a claim with your Homeowners or Renters insurance policy to be compensated for these items. The general rule of thumb is your car insurance will only pay for items that are attached to the vehicle

I am going to be charged more for my Car Insurance because my car is red, blue, black, pink…

Reality: The color of your car has absolutely nothing to do with your rates. If you like red buy a red car, if you like black buy a black car. Don’t ever let this silly nonsense stop you from buying a car.

I didn’t have a car for the last 2 years, this won’t affect my rates.

Reality: Not having continuous car insurance is frowned upon by most direct car insurance companies now a day’s. Some companies won’t penalize you for not having prior insurance. If you don’t have prior insurance make sure you have a good excuse like you took the bus, or you were in the military, or some other legitimate reason. Oh and by the way I couldn’t afford my insurance is not on that list

Telling a little white lie on my insurance application won’t affect my coverage if I ever have a claim

Reality: This is one of the worst things a person can do. If you lie on your insurance application there is a good chance you won’t have any coverage when you need it the most. You think they won’t find out? Remember these 2 things when insurance company is on the hook for a ton of money. #1 They are going to start asking questions and the first thing they look at is your application. Wouldn’t you if you were them? And reason #2, the insurance companies have more money than god and they have people working full time to find this stuff out.

Buying a cheaper more reasonable car will be less to insure the a more expensive car.

Reality: There are a lot of different factors insurance companies use to determine rates, however there are many times were the rate for the more expensive car is less than the cheaper car. One of the biggest factors for the Comp & Collision coverage’s are how much do replacement parts cost. Sometimes on those cheaper cars or the more exotic cars the replacement parts can cost a lot to replace.

So just remember the next time your online looking for a cheaper insurance policy, to consider some of your options. There are hundred’s of direct auto insurance companies out there looking to get in your pocket, just make sure when the time comes you can get into theirs.

Bryan Waldo

Bryan Waldo has built his entire career helping people. He spent 10 years as an insurance agent which taught him about people and how to solve problems. He can be found at direct auto insurance or direct car insurance

Pennsylvania Car Insurance Shopper’s Guide – PA Auto Insurance Basics

How does one find the best Pennsylvania car insurance? What are some of the cheapest auto insurance companies in Pennsylvania? What are the PA minimum auto insurance coverage requirements? What are some things to look for when comparing Pennsylvania car insurance rates? How does one find Pennsylvania rental car insurance – and should it even be purchased in the first place? These are all key questions for PA residents that are of legal driving age. Read on to learn some of the PA auto insurance basics and see if maybe you can end up saving yourself some money in the process!

Pennsylvania No Fault Auto Insurance Laws

The state of Pennsylvania uses a no-fault system in regards to car accidents. This means that your insurance company will pay your injury claim regardless of who was at fault in the event of an accident. Since no-fault laws vary from state to state and can change over the years, you might want to call or visit the website of the Pennsylvania Department of Insurance if you have any questions.

PA Car Insurance Minimum Coverage Requirements

Under Pennsylvania law, you are required to have bodily injury coverage in a minimum amount of $15,000 per person, up to $30,000 per accident. Bodily injury insurance will cover such things as medical expenses, lost wages, pain and suffering, and any legal defense costs you may incur as a result of an accident.

Pennsylvania also requires that you carry a minimum of $5,000 worth of property damage liability car insurance. Property damage coverage will pay for damage to another person’s property such as a fence, house, or car, as well as any legal costs that may arise from that damage.

Personal injury protection, or PIP, is required by Pennsylvania state law as well. There are different levels of personal injury coverage available, but the minimum amount required is $5,000. Pennsylvania calls the minimum amount required First Party Benefits-Medical. If you are in an accident, this coverage will pay for related medical and surgical expenses, rehabilitative services, such as physical therapy, any necessary dental, psychiatric, and optometric expenses, ambulance and nursing services, and required medications, medical supplies and prosthetic devices. The policy will only provide benefits to you, any other drivers listed on the policy, and any relatives living in the same home as you.

PA Tort Laws

In Pennsylvania, you must choose a tort option. A tort option defines your right to compensation if you, or any members of your household, are injured by another driver in a car accident.

The limited right to recover damages, or limited tort, provides limited benefits. While you will be covered for all medical and other expenses as a result of an accident, you will not be able to receive compensation for pain and suffering, or other non-monetary damages unless your injuries are serious, such as a life long disability or death. If you choose the limited tort option, your premiums for property damage, full first party benefits, and income loss coverage will be lower than if you choose the full tort option.

If you opt for the full tort coverage, your rights to recover financial compensation are not restricted. Under full tort, not only will you and other members of your family be able to recover damages for medical and other expenses, but you can seek full financial compensation for pain and suffering, and other damages for injuries you received that were caused by another driver in an accident. If you choose the limited tort option, your premiums for property damage, full first party benefits, and income loss coverage will not be reduced.

Optional PA Auto Insurance Coverage

Optional liability coverage in Pennsylvania includes first party extraordinary medical coverage. This type of coverage may give you and any members of your family medical benefit coverage in an amount up to $1,000,000. If you choose this coverage, it will take effect once the limit for your medical expenses has been reached under your personal injury protection insurance.

First party income loss coverage will pay you up to 80 percent of your lost earnings if you are unable to work after being injured in an accident. This coverage is limited to $2,500 per month with a cap of $50,000.

You may also personal the optional first party accidental death car insurance coverage. This type of coverage will provide a death benefit of up to $25,000 if you or a member of your family living in your home dies from injuries sustained in an accident for a period of 2 years after the accident occurred. The $25,000 will only be paid to the designated beneficiary that you will name at the time you purchase this coverage.

First party funeral coverage is another car insurance coverage option you can choose in the state of Pennsylvania. This policy will pay $2,500 toward any funeral expenses if you or a member of your family living in the same household dies as a result of a car accident.

While not required under Pennsylvania law, you may want to also purchase uninsured/underinsured motorist (UM/UIM) bodily injury coverage. This will pay for any expenses such as medical, lost wages, injuries sustained in a hit-and-run, and other general damages in the event you are injured by another driver who is either underinsured or uninsured.

You can also purchase the optional uninsured motorist bodily injury car stacking policy. This option will let you increase the limits for uninsured motorist bodily injury coverage. This coverage will, however, increase your car insurance premium.

In addition to all the liability insurance options available in Pennsylvania, you may want to purchase some type of vehicle coverage such as collision, comprehensive, emergency road service, rental car limits, loan/lease gap coverage, and customized equipment policies.

Collision coverage will pay for repair or replacement cost of your car if it has struck another car, object, or has rolled over. Collision coverage cannot be purchased without purchasing comprehensive coverage as well.

Comprehensive coverage will pay for damage from such things as falling objects, fire, certain natural disasters, vandalism, theft, glass damage, and damage caused if you hit an animal.

If you have a loan on your car, or lease your car, the bank or other financial institution may require you to have both collision and comprehensive coverage on your car.

Customized equipment coverage will pay for any special equipment permanently installed on your car, truck, or van such as running boards, brush bars, roll bars, fog lights, bed liners, etc. You can only purchase customized equipment coverage if you have both comprehensive and collision coverage as well.

The optional loan/lease gap insurance available in Pennsylvania will cover the actual cash value of you car at the time of loss, and any greater amount owed at the time of the loss, if your car gets damaged in an accident. This does not include any deductible, unpaid finance charges, excess mileage, or wear and tear charges, and any payment under this type of coverage will not exceed 25 percent of the actual cash value of your car at the time of the loss.

Pennsylvania High Risk Car Insurance

The state of Pennsylvania also has an Assigned Risk Plan. This program offers high risk Pennsylvania car insurance to drivers who are not able to get certain types of coverage. You may need to use this plan because of your driving record, type of car you own, or if you have an unavailable motor vehicle record.

Pennsylvania Rental Car Insurance

Many PA drivers agonize over whether they should purchase rental car insurance. While it is true that your regular PA auto insurance policy will travel with you and cover you even while driving a rental car it is important to make sure that your regular auto insurance policy has all of the coverage that you will want while driving the rental. For example, if you have a very bare bones regular Pennsylvania auto insurance policy then you may want to consider purchasing the rental car insurance.

Finding The Cheapest Pennsylvania Auto Insurance Company

While no one PA car insurance company is the cheapest for everyone it is certainly true that PA has a number of top auto insurance companies. Here is a listing of some of the best:

AIG

SF Insurance

Allstate

Esurance

Progressive Direct

GEICO

Liberty Mutual

Be sure and compare rates from at least 5 different companies in order to find the best policy for your needs.

Compare Pennsylvania Car Insurance Quotes Online

With all the options for car insurance available in Pennsylvania, it may be wise to shop around online for the best rates and coverage. You might want to do a side-by-side comparison of rates, and services available at several different car insurance companies. A little time and research may save you hundreds of dollars on your car insurance policy in the state of Pennsylvania.

How to Cut the Cost of Car Insurance

Less desirable and low value cars are cheaper to insure

When I was 17 I wanted to own a Ferrari and live life in the fast lane. Even if I could have afforded the car, then I couldn’t have afforded the insurance to cover it. At 17 you are brand new to the world of driving and statistically you are more likely to make an insurance claim. Mixing high-powered cars with inexperienced drivers is not something car insurance companies are super-keen about, the chance of a claim shoots through the roof with the price of the premium following it. When you are young and inexperienced, buy a low-powered, low value car to try and keep your car insurance premium to a minimum. If it is worth less then it will cost less to fix/replace when in your youthful exuberance you crash it. The same logic actually applies to everyone, the lower the value of the vehicle and the lower the car insurance policy will be in most cases. Sports and premium cars will always cost more to repair in an accident so the insurance will reflect this. New cars now feature myriads of anti-theft and driver aids that in many cases will help to reduce the cost of insurance so keep an eye on the spec sheet when looking at a new car. A good rule of thumb is that less desirable and low value cars are cheaper to insure.

Age is a concern

I mentioned it above and it bears repeating. Generally the younger you are the higher your car insurance premium. This is down to inexperience and the youthful belief that bad things will never happen to you. The statistics say otherwise, which is often a shock to an unsuspecting young driver who ends up in a crash wondering how it happened to him…Driving experience and age are usually linked and that leads to a method of reducing your insurance premium – whatever age you are you will benefit from advanced driving courses and many car insurers offer discounts for these qualifications. It may only be a five – 10 per cent saving for the course but on a premium of £1000 it’s worth having the saving and it will remain with you for years, so it should be a good investment, not to mention make you a better driver.

Keep adding to the no-claims bonus

The more years you can accumulate without making a claim the better as most car insurers will offer a discount on your insurance for this. Effectively you are proving you are good business to have and because you haven’t made any claims then you are a good risk for them to underwrite. There’s nothing you can do here but keep your nose clean and don’t make a claim. If you own a low value vehicle and dent it parking, you’d be advised not to make a claim on comprehensive insurance because it would reduce your no-claims bonus, likely to be for a small amount of money and you may even end up paying for most of it depending on excess. In that case, provided you have not caused damage to any other vehicles or property, keep quiet, fix it yourself and your saving on no-claims bonus will be sweet the following year – in time, when you have built up three or more years no-claims bonus, you can actually protect your bonus, meaning even if you make a subsequent claim you will not lose your bonus.

Convictions aren’t cool

If you are an inner-city teenager then an ASBO may be a badge of honour. Insurers are less impressed by convictions though, so it is best to avoid them if you can. Minor speeding offences are certainly not in the same category as serial killer though, so if you have a couple of points it will not be the end of the world or have a major influence on your premium depending on the insurer.

If you’ve got a garage, use it

What are garages for? If you ask the average person they’ll probably say for storing all the kids’ toys, the home gym, bicycles, the freezer and tumble-dryer. I have news for you all; the garage is designed to house your vehicle when you are not using it. The fact that it puts a physical barrier between any opportunist thieves and your car is a real good thing and car insurance companies will recognise this and reduce your premium if you park in a garage overnight. Using your garage will save you money; it doesn’t get any easier than that.

Anti-theft devices

Most modern cars come with immobiliser and alarms factory fitted and if you notify your insurer it will check to make sure they are to approved standards and will apply discounts if applicable. You can get other devices that slosh around in the passenger footwell until you park and then fix to generally your steering wheel or gear-stick. These are mechanical devices and some do attract further discounts if used, just do your homework before buying. Thatcham is the organisation which grades security devices and generally a decent mechanical security device will feature its Thatcham approval very prominently along with any premium discounts you may expect, so choose carefully.

Use a reputable broker

Car insurance is very big business with around 30million+ vehicles on the UK roads, so there is a wealth of car insurance companies to choose from. Ironically, the big names you are familiar with are probably in your head because of massive marketing campaigns on television, on-line etc. Regardless of the message, those marketing campaigns need to be paid for and that means they may not actually have the best rates, although the sheer scale of some of these businesses means prices will be keen due to buying or underwriting power. The best advice is to compare a couple of different prices from different companies. Call the insurer and then call a comparable competitor and then perhaps a small car insurance broker. Each one will ask you if you have a price already and you should tell them what it is. Generally if they want the business they know what to beat. The moment you get a broker saying they can’t match the price then you are probably close to the best market price or else speaking with a broker that is not a specialist in the area.

A word of caution on price comparison sites

There are plenty of price comparison sites around which promise to drive the cost of your insurance policy down – Money Supermarket, Go Compare, Confused etc. They certainly do help reduce the cost of insurance as most of the major players are fighting for business on the same platform. Where these price comparison sites do not perform so well is actually advising you on the sort of policy that’s best for you or your car. Would comprehensive be cheaper and more suitable than third party fire and theft? The point is you cannot ask the price comparison site for any advice, that’s where car specialist brokers have the edge. Compare it to buying a new house, would you buy one without a survey? You might and then when it subsides into the sea you’ll be praying your insurance will cover it…the point is you shouldn’t buy insurance without talking with an expert either.

Pick up the phone

The internet is a great shopping and selling tool, you know my feelings on that from previous articles…but I suggest if you speak to a real person at a brokerage then you have a much better chance of getting cheaper car insurance. They can ask more questions, clarify your requirements and if needed they can even delegate the rate (set the price themselves) if they really want the business. There is no substitute for human contact, just make sure you speak to at least three different brokers to get a true comparison.

Got a nice postcode?

If you live in a postcode where there are few thefts and claims then your insurance premium will be lower than living somewhere that is a known crime hotspot. If you can afford it, move to a posh area and you’ll benefit from lower insurance premiums. Not the easiest way to save on the cost of insurance for sure…

Mileage and use

The more miles you drive the more chance you have of being involved in a claim. It’s simple statistics. The fewer miles covered, the less your insurance premium should cost. Don’t tell lies though, if you exceed the stated mileage by a distance then it could invalidate your insurance.

Married with kids?

Insurers like selling car insurance to married couples mortgaged and with kids and jobs. You are very easy to credit check and generally display responsible behaviour which hints at a lower risk for the insurer. That can reduce your car insurance quote.

Don’t modify your car

We all see the bling bling cars that haunt Supermarket car-parks late at night and whether you like the tacky neon colours and loud exhausts is neither here nor there – the fact is that any sort of modification is likely to hike your car insurance premium. Modifications can draw attention, invalidate warranties and in the case of loud exhausts, can also be illegal (if above the noise limit). If illegal, then it could invalidate your insurance as well. The fact is that car manufacturers spend a lot of time developing their products so they work well and if you modify them then it’s all out the window and your insurer will be scratching his head wondering what he should charge – and it will almost always be more than a standard vehicle.

Purchasing the Best Car Insurance

In the past, car insurance was not a necessity, as some people went for it and some did not. However, today an auto coverage policy is one of the crucial things in your life, if you own a car. People need proper coverage, no matter how luxurious or modest their car is.

The way people buy insurance has also changed. In the past, buying a car insurance just meant to meet your neighborhood agent and ask him for it. But now, it is somewhat different, as you have got lots of other options at your disposal from where you can get your vehicle insured, with some entirely new coverage choices.

Buying car insurance: Which method to choose?

When you want insurance for your car, you might be puzzled as from where you should get it. Should you deal with an insurance agent or should you go online? You can choose among different options for getting your car insurance. This includes:

Buying from captive agents
Buying from independent agents
Buying online

People, who prefer personal services and like to form face-to-face relationships, should certainly purchase their policy from an agent. But, since there are different agents, they need to decide which one is the best for them.

Among these, some are called ‘independent agents,’ who sell insurance for numerous companies and some are ‘captive agents,’ who sell insurance for just one firm. Let us see the different features of these agents, so that you can decide easily and quickly the right agent for yourself.

1. Buying from captive agents

You should buy your coverage from a captive agent, if you are dedicated to a specific insurance firm. Since captive agents deal with only one company, they will know all the different insurance options offered by that company. And, thus they can assist you to build the right package based on your needs. However, captive agents may take more time to respond to your questions and to know your needs as compared to independent agents who work for commission.

2. Buying from independent agents

You should buy a policy from an independent agent, if you want to check out the different insurances provided by different companies, as independent agents deal with several companies and not just one particular insurance firm. This way you can get a better rate.

And, since independent agents are not directly employed by any one firm, they would not push one specific product and will tell you the right things about all the insurances. Thus, independent agents can aid you to find inexpensive coverage for your car. However, since they work for commission, they are under more pressure to grab a deal as soon as possible.

3. Buying online

The third option is to skip insurance agents completely and to work directly with the company online. However, for this you have to do most of the work yourself. You have to conduct a thorough research on different coverage providers, what they offer, the rates of their insurance, and what all their policies covers. Then, you can talk to the company, that best fits your needs to procure the coverage itself.

Among these, some insurance companies that employ agents do not necessitate you to work with them and a few of them do not employ agents at all. Buying auto insurance online is one of the best options for you if you do not have much time and want to get inexpensive car insurance, as it saves you from paying commission to an insurance agent. If you are not sure about your car insurance needs, then buying car insurance online, without an insurance agent can cause you to buy the wrong, too little, or too much insurance.

Select your type of coverage

Besides deciding which company to go with, you must also consider which policy you want. There are three main types of policies, including traditional, usage-based, and per-mile car insurance. So, have a look at these three car insurance coverage programs before you settle for one particular car insurance.

1. Traditional auto insurance

In this type of auto insurance, the insurers determine the quotes for the policy with the help of various personal factors, such as your age, driving history, gender, credit score, etc. Generally, the more risk you have as a driver as per these factors, the more high your insurance rates will be. In this, you can opt for a minimum coverage amount as per the state law or else you can select from a long list of different types of auto insurance coverage.

2. Usage-based auto insurance

As opposed to the traditional car insurance, where insurers presume your driving skills depending on a list of different risk factors and your accident history, usage-based car insurance providers offer you car insurance by seeing you in action in real. In this type of car insurance, like Allstate’s Drivewise or Progressive’s Snapshot, you get a telematic device, which you have to plug-in your car. This device records how you drive and your driving behavior, especially your bad driving habits like accelerating or hard braking.

So, if the device records that you are a low-risk driver, then you can save your money with usage-based car insurance. However, if it records that you frequently drive late at night or you drive fast, then it would not help you save money with your car insurance. Additionally, many usage-based car insurance programs are not available in each state. Therefore, if you are devoted to one insurance company, then you may have to switch your company, in case you move to a different state.

3. Per-mile auto insurance

Per-mile auto insurance providers also use a telematic device, but they focus on just one thing, that is how little or how much you use your car. However, this car insurance type is still new and is not available in every state. Among others, Metromile is the best provider of per-mile car insurance and is available in seven states until now, which are California, Illinois, Oregon, Pennsylvania, New Jersey, Washington, and Virginia.

Additionally, per-mile providers use the same elements as traditional insurers in determining your car insurance rates, but you can save some money through its telematic device. If you do not use your car much and use it only for emergencies, then your premium may be cut significantly. However, if you normally drive your car, then there are fewer chances of you saving money from it.

Shop around

No matter how you purchase your insurance, whether you go for a dedicated agent or you directly sign up with a car insurance provider, you must shop around in order to get the best rates. Do some homework and do not just settle for the first deal that comes your way. This is because rates for the same policy can differ from one company to the other by thousands of dollars. Therefore, comparing different car insurance offers is the best possible way to land up a good deal.

Taking the time to pick the right insurance coverage can definitely save you money and hassle down the road. Buck and Affiliates Insurance can help meet your auto insurance needs in the Spokane, Washington area.

Learn How To Buy A Car And Car Insurance Without Breaking Your Budget

Do you ever wonder why different cars cost you different amounts for auto insurance premiums? Why is it that a new Corvette may cost you $1,600 dollars a month in auto insurance and an older Buick Regal may only cost you $90 per month? The new car insurance cost versus the old car insurance cost is a subject that you must review before you buy any car. Review insurance costs before you buy and you will not get caught in a financial trap.

New cars cost more to insure than old cars for three reasons. First, an auto theft of a new and exotic car costs much more than the auto theft of an older and average style car. This is because of the large value difference of the new car versus old car. For example, a new Chevy Caprice is much more costly to insure than an older Chevy Caprice. It simply costs more money to replace a new, expensive car than an older, less expensive car.

Second, the cost to repair a new car is much more than the cost to repair an old car. As such, this fact shall also increase your insurance premium cost for a new car. For example, if a new Chevy Caprice is damaged in an accident, the auto repair shop will charge you much more money for repairs than if the subject car were a ten-year old Chevy Caprice. For this reason, your insurer will charge you much more insurance premiums on a new vehicle than an older vehicle because of such repair costs.

Third, the style and type of car also shall greatly affect the cost of automobile insurance premiums that your car insurance company will charge you. Insurance companies use actuarial statistic tables which show them the past loss experience on particular styles and types of cars. They use these tables, to help calculate what premiums to charge their customers in the future. Statistical tables show these insurance companies that owners of certain styles and types of cars, such as sports cars, engage in more risky driving behavior than owners of cars that are of average type and style.

For example, insurance company statistical tables show that the insurer has experienced more losses with sports cars than with average cars. It is because the owner of a Corvette will probably drive such car faster and riskier than the owner of a Toyota Camry. With such speed and risk also comes along more losses for the insurance companies. With such risk and loss increase, the insurance company must then increase their return and charge more for auto insurance premiums.

Another example of how the type and style of vehicle may present an insurance company with more risk is the off-road style vehicles such as the Hummer line of vehicles. These vehicles are designed to perform in the off-road type environment. They are raised up off the ground more than regular automobiles for under carriage clearance. Additionally, they also have four-wheel drive capability.

With such design capabilities, the statistical tables show that the insurance company has experienced more losses with these types of cars than regular cars. This is because the owners of such vehicles will engage in off-road driving which is both risky to the vehicle and driver. In fact, some insurance companies may bar recovery for such damages, when the owner of the insured vehicle was damaged while any engaging in risky, off-road driving. Again, with more risk, the insurance company will increase return and thus auto insurance premiums. Now that you know that certain styles and types of cars cost more to insure than others, you have to be smart about what kind of vehicle you are going to buy.

Rather than take a guess at what you believe a vehicle’s insurance costs are, call your car insurance company and ask your insurance agent for a free car insurance quote for the exact type of vehicle that you are interested in buying. You can get a definitive answer to your question of whether or not you can afford both the car and the insurance premiums required to cover your car against insured losses.

The time to make such assessment is not after you purchase a vehicle. At that point in time, it is too late. The time to make such assessment is way in advance of your purchasing an automobile. You definitely want to be able to make both car payments as well as insurance premium payments. Get a free auto insurance quote ahead of time and avoid financial problems.

By receiving affordable auto insurance you will be able to get the right car for you and your budget.

You may click the following link to learn more about Alaska auto insurance. There, you may also get a free auto insurance quote by entering your zip code in seconds!

Collector Car Insurance – Top 6 Benefits of Specialty Collector Car Insurance Companies

People who own and drive collector cars have different needs for their collector car insurance than they have for their cars that are driven every day. A collectible car is by definition “special”, and so it has special considerations to take into account when it comes to insurance. Your everyday insurance provider that insures the vehicle you drive to work is accustomed to dealing with claims on modern cars that depreciate in value as they age, and the average owner doesn’t notice the difference between a $2000 paint job and a $10,000 paint job. A company that specializes in collector auto insurance has several key benefits to offer the collectible car owner.

Benefit # 1: Lower Premiums – A collector car is normally only driven on a limited basis, stored indoors, not driven in bad weather, and generally leads a “babied” life. Most classic car insurance companies are also somewhat selective in who they will insure. These two factors allow the classic car insurance company to charge much lower premiums than conventional insurance companies, because they know that the collector’s car is less likely to be in an accident.

Benefit # 2: Agreed Value Coverage – Most classic car insurance companies offer an Agreed Value policy, which means that you come to an agreement with the insurance company on what your vehicle is worth before the policy is written. If you have a total loss accident or theft, an Agreed Value policy will reimburse the total amount that was agreed upon when the policy was initiated. Very few conventional insurance companies offer a true “Agreed Value” policy. They offer a “Stated Value” or “Stated Amount” policy has a clause that allows them to only pay what they “think” the car was worth, and it makes the assumption that your collector car is depreciating like a typical used car!

Benefit # 3: They Understand Your Needs – Specialty collector car insurance companies understand your needs better than a typical insurance provider does because in many cases the insurance agents and possibly even the owners of the company are car enthusiasts or collectors themselves. They realize how much your collector car means to you, and they understand the importance of the car being repaired correctly so that it retains its value. When presented with a claim they will give you much less argument and more leeway to get your car repaired the right way the first time.

Benefit # 4: Repair Shop Of Choice – Many everyday insurance companies will only pay a set rate for collision repair at a high-volume body shop that does average-quality work on modern cars. If you take your car to a shop that specializes in restoration work, you may be left footing the bill for the difference in cost. Many antique car insurance companies will allow you to take your car to a specialty repair shop, and they will pay what it costs to have the car repaired the right way by a craftsman that is skilled in restoration work.

Benefit # 5: OE Parts – On a similar note, many everyday insurance companies will only pay for less expensive aftermarket repair parts. Using non-original parts can reduce the value of your vintage car considerably, as they may not fit as well as original equipment parts and an all-original car is always worth more. Many specialty insurance providers allow for the higher cost of using original equipment parts.

Benefit # 6: Perks and Special Situations – Some collector car insurance companies offer many other types of benefits, such as coverage for spare parts, memorabilia, tools, car trailers, coverage for overseas transport, etc. Some even offer medical coverage for personal injuries that occur at car shows, and “event disruption” insurance that reimburse car show entry fees and non-refundable hotel deposits if you miss an event due to a mechanical breakdown on the way there!

All in all, specialty collector car insurance companies have a lot of advantages for the classic car owner. If you own and drive a collector vehicle, you will find that an everyday insurance policy from an everyday insurance company is severely lacking in comparison.

To learn what key details to consider when choosing a collector car insurance company, visit Classic Car Insurance Quotes. For a directory of the top collector car insurance providers, take a look at Classic Car Insurance Companies.

Keith Farren is an ASE Certified Master Technician with a BS in Business Administration, an Associate degree in Automotive Technology, and over twenty years experience in the automotive industry.

What Exactly is Direct Car Insurance? And is it Cheaper?

Direct car insurance is exactly what it describes, you make all the cover arrangements yourself and purchase the policy directly from the Insurer who underwrites the cover.

The advantages of buying ‘direct’ are that in some cases the premiums offered will be less than if you bought through a middleman, though this is by far the case for the majority in reality.

Most direct motor insurance companies are able to make savings in commission and data handling, which many do pass onto their customers in discounted premiums or advertising ‘tempters’ such as offering twelve months cover for the price of ten, or throwing in some additional cover for free, such as car breakdown insurance.

These marketing sweeteners should always be looked upon sceptically by a prospective purchaser of insurance, as it may well be the case that the costs of the ‘sweetener’ are absorbed elsewhere in the quote offered.

With so many different types of motor insurance distribution points available these days it is sometimes difficult to determine whether you are purchasing your cover from a direct company, or not.

You can purchase car insurance by either picking up the phone and dialling a company that you found in the telephone book, visiting a high street outlet, or by shopping on the Internet where you have access to many different types of car, auto and motor insurance retail distribution products.

Whichever method you choose to purchase, it can still be difficult to determine from the onset, whether you are dealing with a direct insurance company or one of the many other intermediaries that exist.

The types of insurance intermediaries that exist within the UK insurance market these days are numerous but can broadly be defined as belonging to one the following groups:

Underwriters, Direct Companies, Insurance Companies, Scheme Providers, Brokers, Comparison websites, Agents, Introducers, Affiliates and Affinity Groups.

Those at the top of the group are those most likely to be considered direct suppliers of car insurance.

Those at the bottom of the list are those that are most likely to charge a commission, agents, or an introducer fee.

To understand and benefit from purchasing direct from an insurer we need to look at the goods and services supplied by each of these above groups and how they are components of the price you pay as a premium.

As with all insurance, the power of the pen, that is the ability to set a price for a risk , ultimately lies with the underwriters of the car insurance policy. These are the people who will suffer financially should you make a claim. Underwriters manage your risk and set the rates and charges. It obviously follows then, that the nearer to the source or base risk that you purchase your car insurance from, the more likely it is to be able to get the cover at the best possible price for the risk.

It is possible to directly negotiate a price for a policy with certain motor insurance underwriters. However this task is usually carried out by a specialist insurance broker, and in practice this negotiation is probably best left to a specialist broker who is skilled in communicating risks to underwriters or car insurance companies, and does so as part of his or her job on a daily basis.

Similarly the power of the underwriting pen is available to certain sales teams of Direct insurance companies. If you phone them up and talk to them direct, it is possible that even though they have to follow a script and set system screen procedures, that they have some system codes to discretionally discount your insurance premium down to a fixed minimum premium level. It’s often a question of don’t ask – don’t get!

Car insurance schemes are tailored bespoke policies for a certain type of driver or car such as Lady drivers insurance. Schemes may be offered direct from an issuing insurance company specialising in motor schemes, or more likely from a specialist car insurance company or broker. Because the schemes have been designed for a certain distribution channel the company offering these insurance schemes is often given the power of the pen and allowed to make underwriting and pricing decisions themselves, within certain pre-arranged limits of authority.

Often overlooked by the large part of the car insurance buying public, these schemes offer the best value for money if you are lucky enough to fit into one.

If you buy direct from a broker it is probable that they have an underwriting contact at an insurance company who can vary premiums and match quotes that you have obtained from another source. The advice that car insurance brokers offer can often be worth the small additional premium they might charge, as they will help you get the correct level of cover and more importantly communicate any claims or problems you might be having direct to the underwriters of your insurance policy, saving you time and money in what can be a minefield to the insurance world uninitiated.

The large Insurance comparison websites that you so often see advertising on TV, sell policies on behalf of insurance companies and brokers. The majority of these companies do not have access to the pen, and are not allowed to discount premiums. Many do however offer and present a wide choice of insurance policy to a prospect and through the ability to compare rates for mainstream car insurance, are usually able to offer policies which are cheaper than what a customer may currently be paying.

Beware when you are comparing policies online that you are comparing not just on the premium price quoted, but also take account of the variations in levels of cover, and only compare on a like for like basis. To fully understand the levels of cover it is essential that you always read the small print of these policies. Unfortunately in the case of Internet comparison sites that do not underwrite themselves, it is often the case that there are additional premium hikes when you come to complete, often made by the contract fulfilling underwriting insurance company, to the original quote offered. This practice known as ‘after loading’ occurs when you arrive at the underwriting company’s site to complete the transaction the price has risen considerably from that originally being quoted.

However you decide to purchase your car insurance, it should always be with what is right for your particular circumstances and your particular car, in mind.

You should always make comparative decisions on a like for like basis. If one policy being offered a few hundred cheaper than a competitor, you should check carefully the levels of cover in the small print, and compare the limits of indemnity.

Check also which covers are included in the basic cost of the motor insurance policy and which are included as extras. Windscreen damage cover is an example of this. Do you really need a courtesy car when you are a two car family? This extras can soon mount up.

If you need advice or help in deciding what covers you require, you should always call a broker or insurance company direct and they will be able to explain exactly what they are offering and allay any fears and misunderstandings you may have regarding the insurance that they are offering.

It is now possible to combine the best of both the direct insurance offerings with the associated savings of cheap car insurance schemes [http://www.car-insurance.tv]. Specialist schemes car insurance company Lancaster, offer such a proposition at their online portal Car-insurance.tv where over a hundred exclusive schemes can be compared.