Does cars brand makes difference in Insurance

The kind of car you drive will make a huge difference while calcultaing your premiums. The sports cars such as Ferraris, corvette, and so on. all cost more than your typical economic car because of the type of driver who buys them. In addition, your history of driving play an important role. More disk you better, the less you pay.
In addition, installing security and anti-theft devices in your car, you probably pay a little premium on your auto insurance. These cars are less likely to be stolen, making them more attractive for insurers. In addition, there are some decisions you can take to reduce your expenses as well. For example, many companies give a discount or more of a policy under them.
In addition, you can often cheaper auto insurance find periods with companies exclusively online that you could in the World Sevens. By making a complete search, you can quickly compare quotes from many different companies, unless you own disputes call each other by telephone.
However, be absolutely sure that you compare the features included in the policy. For example, a company may appear cheaper than others, but fails in reality few essentials you need for your insurance. Best market is not always better, particularly in auto insurance.
The policies differ considerably in their options and devices available, and many companies give you incentives to jump on board with them. It is often at the moment that you can really cash in on some great savings by finding good insurance policy. Remember, never buy just because a company is cheap, take a careful look to the devices they offer, and especially their reputation and seriously overall.
First, you must determine if you need the assurance of third or full coverage. Obviously, this decision will be based on many factors such as your age, type of car you drive, the age of the car, etc..
In addition, there are many other options that you can include in your auto insurance who do not come standard. Some of these options could include responsibility for damage, coverage breakdowns and medical coverage. Some companies include the standard of these options, and some you carry additional fees.  Sure-hence you to compare prices before buying.
Here is the result: there are many different auto insurance companies out there today. While this article does not recommend any in particular, the most important thing, as always, is to do your job and gather as many facts auto insurance as possible before deciding on the correct policy for you. Only once you have done this if you buy an insurance policy for your car.

• In case you don't have copies and insurance company says that they haven't received your claim form, receipts and reports.
  In this case you can nothing do now.But in future always send copies and keep originals.
  Further you can ask from your agent more for it.

• For finding a new car insurance is not a difficult task you can search online many companies which can provide you better auto insurance all you have to take care is what you actually want.
  Do you want a comprehensive car insuranceor a simple one.With deductibles which will be economical but have less safety .

• Well if your son or daughter is taking your car to college then it is better to make him listed as a principal or occassional driver.
  Who is considered as principal driver in the eyes of insurance company:
  The person who is the registered owner of the vehicle,Or Drives the vehicle to work or school, orOr Drives the vehicle more than anyone else.
  There might be some what increase in premiums if he/she is of teen age

Is cheaper insurance is the best deal ?

Check out the prices for similar coverage offered by several insurance companies. you should keep in mind that the cheapest insurance is not necessarily the best. However, the cheaper it costs you to get a policy, the better you may feel about owning and driving a car.
You have to understand the kind of coverage which is available on your car. Insurance companies offer various plans with specific names.
The most common policies areLiabilityCollisionComprehensiveMedicalUninsuredUnderinsured MotoristPersonal Injury Protection (PIP)Rental Reimbursement
Choose the right plan based on your specific requirements.
Search out the exclusions in every insurance plan, upon receiving a number of quotes, you can compare each for exclusions or special clauses to determine which quote is best. It is not such that the quote or plan which is you get is best just try to look for the limits on each kind of coverage. Limitations of insurance coverage may vary depending on the insurance provider, state and city of your residence and, most importantly, the car you are insuring.

• Certificate of insurance ?
  It is an evidence document which states that insurance coverage is in effect the day the certificate was printed.
  For getting it you should request it you can request your broker and it should not cost you anything.

• Contacting insurance company after accident:
  As soon as possible contact your insurance company Ask the insurer what forms or documents will be needed to support your claim.According to recent laws at New jersey it is required that you should contact within 10 days within 7 working days if it intends to inspect the damaged vehicle.
  Documents generally needed:
  1)Copy of the police report2)Review report for details3)Other proofs such as photographs,medical bills paid and repairs bills paid
• Does Filling single claim can cancel your policy ?
  Answer is No, Your insurance policy cannot be terminated just of single insurance claim.Even though this might raise your insurance premiums a bit.
  Some more faqs related to it are:
  Homeowners insurance premiums, very less likely to increase after you file a claim
  In some cases where you failed to do some acts to protect yourself which you can do but you didn't do willfull then your premiums are going to hike or your insurer may even refuse to renew your policy in this case.
  For example: If you claim for a dog bite, and you do nothing to improve the situation (e.g., fence your yard, etc.)
• Information needed by the insurer
  Insurer needs some of your information to correctly quote out a good premium for you. So you can be asked to furnish following info:
  First one is the make/model/year/vehicle identification number (VIN) of vehicle(s)The No. of average annual miles (daily miles to work or school)Principal(Exact) owner and operator of vehicle(s) (registration information)Driver(s) information: Person who will operate the vehicle which to be insured on the policy name, license number, age,sex, marital status (It is important to tell your insurer about all licenseddrivers in your household, even if they are covered by other policies)Past record related to accidents or moving violations of each driver during past three years Coverage and limits desired
• Insurance coverage levels
  Vehicle insurance can cover some or all of the following items:

The insured party -- Who is insured party ?
The insured party my be defined as a person whose interests are protected by an insurance policy; a person who contracts for an insurance policy that protects him against loss of property or life or health etc.
The insured vehicle : The vehicle might be car,truck or motorcycle any thing which is covered in the insurance policy and the premiums are paid for it.
Third parties (car and people)This may include people or any movable or immovable property which the insured person doen't posses,any charges due to harm done by the insured person to the third party are to be paid by insurance company.Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or accident damage independently.

What to do in case of accident

Preparation for future :
Well nobody wants this to happen but it might take place so it is better to be prepared for it,it is advisable for every one to make sure that he/she is covered fully under insurance ,read the terms and conditions of the insurance policy.
Keep your auto insurance information (and vehicle registration)always ready this will be required to present along with your driving license,proof of insurance and registration if you are involved in an accident or traffic stop.
A disposable camera can also help you to take pictures of the accident scene which will help you in claim.
After accident
Call the police Report the accident and if necessary, request medical help.
Look and get following information after accident :
· Insurance information (including company and policy number) foreach vehicle involved in the accident· Make and model of the vehicles involved in the accident· Time, date, location, weather and road conditions· Direction and speed of drivers involved· How the accident occurred· Names, addresses and phone numbers of any witnesses to theaccident· Names, badge numbers of police officers or emergency personnel,and instructions on how to obtain a copy of the police report

Types of insurance policies

There are two types of insurance policies these are :
Standard
Basic
There is difference between these two:
Standard policy:
This is one of the most common insurance policy which the drivers of new jersey choose.Standard insurance Policy provides a number of various
coverage options and the opportunity to buy additional protection.
Things to keep in mind while getting
standard policy :
1)A minimum amount of Uninsured/Underinsured Motorist coverage is fixed and is required though upper limit choice belongs to you.
2) Options like Comprehensive and Collision coverage are available from the Standard Policy.
3)In case you have you chosen one of the lower PIP limits, you will still be covered for medically necessary treatment up to $250,000 for permanent or significant injuries
Basic insurance policy :
It costs less because it is not for general public but for some of the persons only like Federal Medicaid Recipients it has limited benefits.The Basic Policy can prove as a option for those with few family responsibilities and few assets to protect

Things effect you car insurance costs

1)Clean past records of your auto insurance makes a difference if you haven't claimed any insurance policy than it will also help you a lot.
2)Join other auto too in same policy as having more than one auto on a policy will lower the premium on both cars
3)It is good to have automatic seatbelts, anti-lock breaks, airbags, alarm systems, defensive driving course completion this provides you extra credit which helps reduce premium costs.4)Put your all insurance policies with same company like health,home ,auto etc.This will save your money on all insurance types.
5)For teen drivers : They must be good student and have drivers training courses.
6)Don't make changes in your insurance policy without consulting your agent or helping person if you don't know much about insurance.

How can teenage drivers save money on auto insurance?

• Shop and compare around -- Since premiums differs from company to company, it is important to shop around.·
• Get enrolled in a driver training -- Generally many schools offer driver training as part of their curriculum.
• Also ask your insurer whether any discount will apply if you complete a program that includes behind-the-wheel training as well as classroom instruction.
• Keep your driving grades up -- Many insurers offer "Good Student"discounts for teenage drivers who maintain a 3.0 ("B") or higher gradepoint average or for those family members attending school away fromhome. Check with your insurer
• Car model and make -- The make and model of your vehicle affects a lot onthe cost of your auto insurance premium. Generally, an older vehiclewill cost less to insure, while a high performance or luxury car will cost more.

Check and compare different company quotes
· Car safety features: Companies may offer discounts for vehicles with safety features, so check with your insurer or producer for details, especially when you are considering purchasing a vehicle.

Choose a higher deductible -- You can get a good deal if you select higher deductibles at your policy.(Note: A deductible is the amount you pay out of pocket in theevent of an accident.)

Teenage car insurance

It will be economical if you try to insure the car yourself .This will be more economical as a significantly lower amount of money will be charged than if you have your teen get their own insurance, and it will actually save you money on your own premiums because you’ll get a multi-vehicle discount.
Search for a high- deductible insurance policy.Such a policy will help you to alleviate the major concern of the insurance company. What this essentially means is that if they are involved in an accident then you’ll have to pay a higher dollar amount to contribute to the repairs necessary. (that your young driver will be in an accident and cost them a lot of money) and will allow you to greatly reduce your premiums.
Shop around. Don't just stick to one insurance company quote you must try other companies their are many companies around there online can provide free insurance quote to you.This almost seems to go without saying. However, it’s very important that you don’t simply get one quote from an company and then immediately choose to give them your business. Instead, shop around to other companies. If you think their service is overpriced or non-competitive with other rates you’ve been quoted, be honest with them. If you tell one insurance company that their rates aren't competitive, they may try to offer you something in order to get your business.

Teenage car insurance

Tips for the teen drivers for getting the auto insurance for themselves and what parents have to look for,the young drivers which come under age of 16 to 21 are very risky drivers and it doesn't matter whether they are he or she. Thats why in terms of insurance, is that teen drivers are always going to be charged an absolute maximum for their insurance premiums.
The reasons are like that the teens are much more likely to be involved in a costly accident than an older driver would be,due to the inexperience as well as the careless attitude of teenage. There are ways to get around these unpleasant facts about insuring your teenage driver. Actually, there are several different ways in which you can significantly lower your teen's auto insurance premiums, or even reduce them to normal rates.
Some of the steps for your young age drivers are
1)Just use the economical valued car: means that the premiums that your teen will be responsible for will be based directly on the value of the car that they’ll be driving.You give him/her more expensive car the more insurance company will charge premiums out of it.So, get your teen an inexpensive car to lower those costs.
2)Let your teen drive a car which does't allow him to drive a car in speed and recklessly.It is obvious that everybody likes speed and power but the roads are not meant for it and specially the young boys and girls love to do so,provide them car which is economical and suites to their age.Make them responsible for their vehicle handling as the insurance companies know this, so auto premiums for teens who are driving sportier cars will be much higher than for those driving other kinds of vehicles

Where and how to buy insurance at Newyork

Steps to buy insurance and keep it economical
1)Search and shop around : Prices differs from company to company, so it really helps to shop around. Get at least three price quotes. You can request companies directly or access information on the Internet.
2)Have a look at the financial health of insurance companies with rating companies such as A.M. Best (ambest [dot]com) and Standard & Poor’s (http:// www standardandpoors[dot]com/) and consult consumer magazines.
3)You can also check out the complaint about the companies rankings here athttp://www.ins.state.ny.us/auto/2007/ark2007.pdf
4)Ask friends and relatives for their recommendations.
5)Compare Insurance Costs : Yes it is needed that while you purchase any insurance you should compare it fully as there are discounts and also different coverage areas which should be considered.
6)Ask for Higher Deductibles : Deductibles are those rates which can be reduced from your premium which you might think as a not necessary cost.Before selecting a higher deductible, be sure you have enough money set aside to pay it if you have a claim.
7)Reduce Coverage on Older Cars
8)Bundle out the insurance of different things to the same insurer company this will help you to get some amount of discount.
9)Good credit and driving record: this differs a lot in making your coverage more economical and reduced costs.
10)Group insurance and discounts offered should tried.

New York car insurance quotes NY

Insurance at newyork is strict regarding rules and procedures related to insurance and traffic rules.It is compulsory that before you get your vehicle registered in the state, you must have a liability insurance.

The Department of Motor Vehicles(DMV) requires you to provide proof of the policy in the form of a ID card from you and electronic verification from your insurer. State law requires both paper proof and electronic proof
Liability imposed in failure:
Bodily injury liability: $25,000 per person and $50,000 per accident for injury and $50,000 per person and $100,000 per accident for death

Uninsured motorists coverage: $25,000 per person and $50,000 per accident for injury and $50,000 per person and $100,000 per accident for death

Property damage liability: $10,000Basic no-fault: $50,000
Do you want to know how the top companies performed last year then here is annual ranking of the "2007 Annual Ranking of Automobile Insurance Complaints".This publication is in pdf format and it ranks 44 insurance companies or groups of companies by the number of automobile insurance complaints upheld against them in 2006 as a percentage of their average 2005-2006 NY State auto premium. Well this will help you know about the companies position according to the complaints.Insurers are ranked on the basis of complaint ratio.Read here
http://www.ins.state.ny.us/auto/2007/ark2007.pdf
Where to search the insurance company at newyork
http://awebproxyprd.ins.state.ny.us/onepage/StartForm.jsp?link=/CompanyD...
Total is 1658 which is keep on changing as many companies come and go.
Some more info:
Incase if the Department of Motor Vehicle at newyork suspends your registration due to non producing of insurance for 90 days or fewer, you can have the option to pay penalties between $8 and $12 for each day the vehicle was uninsured (a civil penalty for 85 days will run you $840)

New jersey auto insurance

According to the law of New jersey insurance is a "must have" thing.It is clear that if you drive without proper insurance, you are breaking the law.
You know it !
Well then we move on as Whether you are going to buy a new insurance policy or renewing your current policy, you will have to make many decisions related to about what kind of coverage will suit your needs and how much you can will it cost you in form of premium
So here we start from :
There are two types of main coverage :
1)PIP or Personal Injury Protection : It helps you to get financially protected in case of auto accident.PIP sometimes also called as "no-fault" coverage because it pays your own medical expenses no matter who caused the auto accident.
It is sub divided into two parts:
1)Reimbursement of medical bills and other cost related to treatments
2)Reimbursement for certain other expenses you may have because you are hurt for example lost wages due to accident.
2)Liability coverage :This is related to third party - in case of any injury to the body or property of third party this coverage is used.

Mexico auto insurance

Auto insurance in this state is sold at most of the cities and towns of the both sides of the border.If you are a traveller and are renting a car then check with your insurer to see if your policy covers you in Canada, Mexico, or countries south of Mexico.The insurance of automobile liability from U.S. is not valid in here nor is most collision and comprehensive coverage issued by U.S. companies.So to avoid any controversies, when you cross the border, purchase auto insurance adequate for your needs in this state.
Due to the geographical location and prime spot of tourism there are very much chances of road accidents.So it is better to work according to laws of the land.To avoid any further problems legally as well as safety,buy an policy.

For getting a deal

It is suggested to buy coverage equivalent to that which you carry in the United States.Enter the dates you will drive the vehicle in Mexico. Coverage is available daily, weekly or annually.Vehicle type:Enter the type of vehicle you will be driving.
Plan choose: Choose the plan that best suits your needs.Payment: Pay by credit card and print your policy instantly.
Some tips
Avoid alcohol and drugs specially while driving : Motor vehicle insurance is invalid in Mexico for these people even if you have an insurance.
You will be taken to police custody if you are involved in an accident, until it can be determined who is liable and whether you have the ability to pay any judgment.
Get an insurance policy soon:
Because if you do not have the Mexican liability insurance, then there are much possibilities that you have to spend some time in jail until all parties are satisfied that responsibility has been assigned & adequate financial satisfaction received.

>>> Massachusetts auto insurance>>>

For getting an insurance policy at Massachusetts you have to perform the same steps as you have already done.If you are new to filling the insurance policies then you can have a look on it.There is a report on the studies conducted by the GMAC Insurance which tells that about 10% of America's drivers couldn't pass a DMV licensing test if they had to take it today. Could you? If it is so then it will effect your insurance policy premiums also .
According to that article One out of every five drivers don't know when to use bright lights, how to follow directional arrows or when highways are the most slippery, results from a national driver's test show.this shows the riskiness which insurance company has to handle and for it they are surely charging a high amount of premiums.
At this place there are 27 auto insurance rating territories.Insurance prices are primarily determined by the cost of claims filed by policyholders.It is recommended by us that first consult with various insurance agents, the Internet this is one of the better places to search for cheap insurance as well as better quotes, and insurers themselves when shopping for an auto insurance policy. As with other forms of insurance, choosing higher deductibles will mean getting lower premium rates.
This is the alone state which has state-prescribed auto rates.The rates and policies are not same at all insurance companies because of the Competition.Yes Competition among the insurance companies will help you to be able to get different insurance products or packages for different prices if you shop around.As from Beginning April 1, 2008, companies will begin using their own rates.Even though these rates may differ,but they must still be approved by the Commissioner of Insurance.
Mandatory insurance coverages
Following are the several types of mandatory insurance that you are required to purchase under land of law. These coverage are:
1)Bodily Injury to Others, Including a mandatory limit of $20,000 per person and $40,000 per accident

2)The Personal Injury Protection (PIP), with mandatory limits of $8,000

3)Bodily Injury Caused by an Uninsured Auto, with a mandatory limit of $20,000 per individual and $40,000 per accident

4)Property Damage, with a mandatory limit of $5,000

How to sell out the auto insurance policies

Being a auto insurance policy seller i well know about the FAQ and problems which we face daily while dealing with clients so for the persons and agents who sell the insurance or motor insurance policies following are the steps to help them and sell out the policies to their customers
1)The main thing we start from is licensing: Are you licensed if you are not get one, as it will make you feel confident as you will be doing your business legally without any fear as well as the customer have the more reliability on a person who is licensed.
2)Develop your marketing plans and objectives: You should be clear with the objectives you want to achieve through marketing whether to increase profit or market share.Take help of marketing agencies if their cost is not much.
3)Internet: You can make your own website which will drive more people and they can contact you through mail, you can also make partners all over your neighbour so that if they get a auto insurance agent need then they can call you and same you can do in favor of them.You can also have some kind of partnership deeds also.
4)What else is the important thing which you need is communication building,make people trust you.By giving them more benefits remember the story of golden hen. People love the person who help them save money and deliver the best.So do it now
5)Communication with insurer: Communication is the power to sell anything make your social circle big,go with friends make new friends ask your friends,relatives to give other persons your reference for auto insurance project.Don't be shy this makes great difference.
6)Make clear to the customer all the limits,coverages and non coverages so that there is no controversy later on.Be simple and deliver best policies.

Germany Auto insurance

In Germany it is mandatory for a person to have proof of third party liability coverage for all damage or injury to another person, car or object before a person can register .Premiums are much more expensive at this country as compared to other states mainly because the accident risk is higher. There are more cars in motion per mile of road here. Premiums have been reduced by up to 50 percent for smaller cars driven shorter distances.

The willingness among companies to reduce the costing for customer for safe driving records compiled in the U.S. varies considerably.Firms at Germany are not obliged to reduce premiums for safe driving histories compiled outside country.But you might get so reduction.
Note: Every accident occurred must be reported, without any exception, immediately to the insurance company.
Around 130 providers of automobile assurance companies are operating in Germany. While applying for car insurance at this country, the U.S. Embassy encourages their consumers to comparison-shop among a variety of insurers.:
There are numerous factors in addition to coverage that influence the premium charges at this place.The things are same as other countries as we have a look on them in following lines
1)Starters or new drivers will have to pay more than experienced drivers
2)Driving big, powerful cars pay more than those with more modest vehicles
3)People living at urban areas pay more than those in rural areas, and those who have been found liable in accidents pay more than those who haven't. On the positive side, these premiums are tax-deductible.
4)Your good past record of driving at home country you can get credit for it here. Get a letter from your insurance agent back home.
5)Other types of auto insurance coverage besides the third party coverage are :
Full comprehensive policy which covers all damages or injuries done to your own car, another car or a person or object.Partial coverage insurance policy for protection against fire, theft and other sorts of damage (from break-ins, shattered glass, animals, etc.),

Policies covering the death or disability of a passenger. Such policies often have deductibles, meaning you must swallow the cost up to a certain upper limit. These make the insurance less costly.
Some terms of insurance at This country
LIABILITY INSURANCE TERMS
Abschätzung des Schadensloss assessmentappraisal of damageestimate of damages
Beitragpremium
Kraftfahrzeugmotor vehicle
Kraftfahrzeugversicherungautomobile insurance
Pflichtversichrungcompulsory insurance
Reparaturkostencost of repair
Sachschadenproperty damage
Schadendamage
Totalverlusttotal loss
Unfallentschädigungaccident indemnity
Versicherungszertifikatcertificate of insurance
Vollkaskopolicecomprehensive policy
Some more important FAQ
If you have lost the vehicle documents then, initial German documents are issued free of charge, replacement documents are subject to the following fees:• Title (Fahrzeugbrief) - EUR 23.60• Registration (Fahrzeugschein) - EUR 10.70• International Vehicle Reg. - EUR 10.20 (only issued with export plates)• German Drivers License - EUR 35.00• International Drivers License - EUR 13.00
Learn more here
http://germany.usembassy.gov/germany/services/driving_in_germany.html

Where to get free quotes

well there are many websites on internet which can provide you insurance quotes online without charging a fees.Thats the good thing which you can get on internet.
You should be flexible with the deductibles on your policy. Ask the company about how your premium will change if you choose a higher or a lower deductible.
You can also Compare policies based on the ratings of the insurance companies.Compare the different policies about the same car don't try to change the auto model or compare the different policies for different auto as this may lead to inaccurate analysis.
You can also ask the local insurance agents about discount schemes that depend on your driving history and "no claims." Choose the company which considers these factors and offers higher discounts with adequate coverage

Florida Auto insurance

Firstly we will take on the laws of the land [Florida] and the FAQ which people want to know about,driving with safety at Florida.
1)It is mandatory that if you own a vehicle with at least four wheels and are registering it, you must have a Florida insurance.
2)What type of insurance: The minimum coverage at Florida is $10,000 property damage liability (PDL) as long as you have a valid Florida tag.
3)Things to be kept in mind while buying car insurance,is that Florida drivers must purchase the personal injury protection (PIP), property damage liability (PDL) and bodily injury liability (BIL) coverage; collision, comprehensive and uninsured property damage coverage are recommended, but not required.You cannot maintain your current policy issued with your previous state of residence.
4)Most of the insurers have Florida agents and they are licensed to issue insurance policies in Florida. You have to just ask your agent to transfer your current insurance to Florida when you register a vehicle in Florida.
5)Failing to keep insurance at Florida may results into suspension of your driving privilege, including your vehicle tag and registration, for up to three years or until proof of Florida insurance is provided, whichever is first.Penalty to reinstate your license if you are not properly insured then are a reinstatement fee of $150 up to $500, for subsequent violations
6)Any individual who has a auto in Florida for more than 90 days during a 365-day period must purchase personal injury protection and property damage liability insurance coverage.Auto insurance Should compulsorily include at least $10,000 per person, with up to $20,000 per accident, in BIL coverage to pay for the accident-related injuries or death of another person in a wreck.
7)if you hold more than one registered vehicle then also it is necessary that you maintain your insurance coverage throughout the entire vehicle registration period, whether the vehicle is used or not.
For finding the quotes you can check out some tips like:
1)Look for insurance quotes online this will save your time and money.You can also check out the local insurance agents out right here at click
2)Don't be in a hurry to get insurance remember the points such as insurance coverage,premiums,deductibles and other things in mind.
3)Check out various companies rather than getting quote from on company.Compare prices and also check the coverages and other things in the quote.
4)Better to get help from local insurance agents.
6)Check that insurance agent is properly licensed or not.

comprehensive insurance

Comprehensive as the name indicates is including all. So this is a coverage
which helps and keeps you fully secured from any kind of financial problems
in case of misshapen.
This is a insurance coverage which helps you to pay for any losses for an
insured car which may be due to fire, theft, or other losses that are not the
result of a collision as stated in the insured's policy.
In other words it is very similar to the collision
one, but there is a difference between both of them that difference being that comprehensive insurance covers damage caused to your vehicle
caused by any unknown party or by the act of god.
Points to be remembered:
Insurance deductible can apply depending on the request of person being
insured at the start of the policy.
Accident with an animal falls under this coverage.This is in the General, Marine, & Life Insurance subject.

Now we will find out how to check up a better deal for this type of assurance

This is a usual fault that we think we are properly covered with the policy we are having well the truth may be different. So following are some of the points which you should know :

• Have a back review of your life insurance policy at every 2 to 3 years.
• Find and compare the life insurance with past and new employer,you can also
  purchase life insurance for a new baby at some cheap rates.
• have a check on the homeowner's insurance while buying a new home.
• you can also have some additional insurance policies which can provide you a
  better and broader safety.
• It is better to have insurance coverage on your building and it contents, you
  should also get an insurance coverage against liabilities.
  

Comparing the auto insurance prices in Texas.

The comparison of the auto insurance is done on the basis of the drivers profiles. The table lists companies and annual price estimates for seven hypothetical drivers.
Driver 1: Male person with age 18, single, with no tickets or accidentsDriver
2: Male person with age 18, married, with no tickets or accidentsDriver
3: Male or female age 25, single or married, with no tickets or accidentsDriver
4: Male or female age 35, single or married, with no tickets or accidentsDriver
5: Male or female age 55, single or married, with no tickets or accidentsDriver
6: Male or female over age 64 with no tickets or accidents and who drives for pleasure and errands onlyDriver
7: Male or female over age 64 with no tickets or accidents.
The price estimates shown are for the liability policy a company is most likely to sell that meets the state´s minimum requirements.
Collision and comprehensive coverages, which pay for damage to your vehicle, are not included in the price estimates. If you still owe money on your car, your lender will require you to have these coverages. Typically, including them on your policy will more than double your premium. If you want or need collision and comprehensive coverages, ask your agent or company for a rate quote that includes them.
The driver profiles may not match your situation exactly, but they provide a way to compare prices. View the estimates for the driver profile that most closely matches your situation.
The prices shown are estimates given to the Texas Department of Insurance (TDI) by the companies and are not the exact amount you will be quoted. Your premium will vary according to your individual circumstances and will likely be higher than the estimates listed.

Does broken car windeshield comes in my auto policy deductible?
Well if you have an comprehensive car insurance policy then it is very much possible that it is included in it.But in case the you don't have it then cost of replacing it may not be covered by your auto insurance.

car insurance deal at australia

Public policies to follow

If you are at Australia and looking for auto insurance then you should know that ,in South Australia there is a third party
personal insurance from the State Government Insurance Corporation (SGIC) which is included in the license registration fee.

There is a range of auto insurance cover provided by them like following

Third Party Property Damage - This includes damage which your car might cause to someone else's vehicle or property

Comprehensive Car - Covers your car for accidental damage, theft and fire. This also includes $20 million liability cover for
Damage you may cause to someone else's vehicle or property.

Third Party Fire & Theft - Covers damage that your vehicle causes to someone else's property. It also offers limited cover
For fire and theft damage and uninsured motorist damage to your vehicle.

Veteran, Vintage and Classic Vehicle

This plan covers your old cars or motorcycle which is used for hobby and recreational purposes. Includes agreed value,
Faultless excess and retention of salvage

Fleet
If you have got more cars then this is good policy for you as it covers your fleet, whether you run 6 or 600 vehicles.
Includes agreed value cover on all vehicles and liability cover to $20 million

For more current plans and info logon to
http://www.sgic.com.au/pub/sgic/motor/choosing_right.shtml

CALIFORNIA LOW COST AUTOMOBILE INSURANCE PROGRAM

Well there is a low cost programme for the consumers as government is taking initiative to provide a affordable low cost insurance plicy plan :

What is this low cost program

The main aim of the (CLCA) is to provide an affordable and economical auto insurance option to low-income good drivers.Due to the higher premium rate too many low-income drivers remain uninsured so to make it lawful that all drivers be insured.

Features of CLCA :

The CLCA program is not subsidized by taxpayers.

All of the following California counties are eligible these are listed below.

Alameda Alpine Amador Butte
Calaveras Colusa Contra Costa Del Norte
El Dorado Fresno Glenn Humboldt
Imperial Inyo Kern Kings
Lake Lassen Los Angeles Madera
Marin Mariposa Mendocino Merced
Modoc Mono Monterey Napa
Nevada Orange Placer Plumas
Riverside Sacramento San Benito San Bernardino
San Diego San Francisco San Joaquin San Luis Obispo
San Mateo Santa Barbara Santa Clara Santa Cruz
Sierra Shasta Siskiyou Solano
Sonoma Stanislaus Sutter Tehama
Trinity Tulare Tuolumne Ventura
Yolo Yuba

Persons who are eligible for the CLCA program :

1)Person should be able to meet the low-income requirements which are (1 person = $26,000, 2 persons = $35,000, 4 persons = $53,000, 8 persons = $89,000)
2)Individual must meet the good driver standard (not more than one at-fault property damage only accident or more than one point for moving violation in the last three years)
3)Applicant is not involved in any fault accident which involves bodily injury or death in the past 3 years.
Be at least 19 years old
4)Person should have been continuously licensed to drive for the past three years
5)Person should have a vehicle valued at less than the $20,000

This  is CLCA administered by the California Automobile Assigned Risk Plan. To receive more information about how to sign up, please call the CLCA hotline at: 1-866-602-8861. 

You can also find out more information on CLCA here http://www.insurance.ca.gov/0100-consumers/0060-information-guides/0010-...

Cutting insurance premiums on cars

What are the basis of charging premiums on insurance policy

Insurance premiums depends on the government rules and jurisdiction if it is set by government or in case determined by the insurance company in accordance to a framework of regulations set by the government.

If government had not mandated the premiums then it is calculated on the basis of statistical data and predefined measures.The premium can vary depending on many factors that are believed to have an impact on the expected cost of future claims.

Those factors can include :

Car characteristics
Coverage selected (deductible, limit, covered perils),
Profile of the driver (age, gender, driving history)
Usage of the car (commute to work or not, predicted annual distance driven)

Lets take car characteristics first

Old car V/s New car

New car premiums are quite high as compared to the old cars, but that doesn't mean that you get old car premiums so low that you take out the old cars instead of new cars.See this way when a car is brand new then its value is quite high and the owner of the car will never want to bear the monetary risk of accidents and other mishappenings so the insurance company can also charge more premium because they also have to bear the big risks rather than a old car due to its value.

But old cars premiums might be more in some cases like vintage cars premiums as they are a part of antique and are to be handled very safely their value is very high for the owner and so their is more risk involved in it which results to more premiums.

Medical insurance for the vehicle driver

1)If you are taking the auto medical insurance you can save money on your premiums by making sure that you have a complete and sufficient medical coverage for your Bodily Injury, Liability, Medical Expense, Personal Injury (PIP) and Uninsured/Underinsured portions of your auto insurance. These coverages not only protect you,but also passengers, the other driver and their passengers. Beneficiaries may be including the drivers with either no insurance or who do not have sufficient coverage to protect another party will also be protected if they become involved in an auto accident.

2)Consult your local agents which specializes in this  to obtain the proper amount of coverage.This agent might help you get the better deal with minimum premium and better coverage.

3)Pay close attention to the Medical Coverage portion of your auto insurance. This protects you and your passengers in an auto accident. 

4)Persons having older cars can usually get cheaper rates to pay because of the age of the car.

5)You can also check your Uninsured/Underinsured policies these can help you to pay for any injuries that occur either when the other driver does not have enough coverage to cover your medical expenses or does not have auto insurance. 

6)Search net or find locally and get several different auto medical insurance quotes.This will help you to find out which insurance company offers you the best deal.

7)Don't be so much stick to the prices if you are getting better coverage and deal.Just ask your agent,compare and go for it.

Want to save money on auto insurance

 

1)If you are adding other members from your family to a single policy this will affect your premium rates. So make sure that you finalize the type of policy and the number of people to include before buying the policy.

2)Choose the annual policies as a short-term or six-month policy may have different sets of criteria and rates.

3)Each company has its insurance promotional offers which are opened for limited periods. So be careful that you are not using the old data or plans for comparison.Ideally, you should shop for best insurance rates every six months and be prepared to switch. Sometimes, renewing a policy with the same company may prove expensive. Make sure you revise and update your comparisons regularly.

Vehicle Insurance quotes finding and  making a better deal

Well finding a good deal in insurance is not a difficult task specially when the auto insurer himself can help you find a  quote which matches to your budget and is according to your financial needs. There are many rates get a quote for your car.It all differ and depend from your driving history and driving records. 

There is one thing to be kept in mind that the more you get car accidents the most likely your premium is high. Why ?

- Because it makes the Auto Insurance companies feel that you are not a proper driver and this will lead to more risk for them to provide you safety and for this they will charge high premiums it is same as when we look at the health insurance of a old person and a young person they charge high premiums from old person because of the greater risks of medical claims whereas they will charge less to the young person.It does matter but not a lot that even if you have bad driving records ,you can still get cheap deals out there. Just shop around and compare the prices.

So here we start from:

• 
  The first thing to be done is assess your insurance needs. Get your car inspected before you consider comparing different auto insurance plans.
• Search online and search for top companies offering auto insurance.You can also take help of your friends and people around there to get the best deal.There are several Web sites that provide information about insurance providers.
• Find out the kinds of coverage and premiums that these companies offer. Alternately, talk to your local agents and get quotes on several policies. 
  
  

What is a auto insurance public policy 

Their are various countries which have made compulsory auto insurance before the vehicle is on the road.Countries like U.S. United Kingdom,Australia,India, and others too have been following it from past years .In their public policy most jurisdictions relate insurance to both the car and the driver, however the degree of each varies greatly.

During 1994 there was a study conducted by Jeremy Jackson and Roger Blackman which showed, consistent with the risk homeostasis theory, that increased accident costs caused large and significant reductions in accident frequencies.

Why is it important to have one ?

Insurance helps to hedge out some predetermined risks as well as uncertanities.This is usually the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.

Insurance coverage at Massachusetts city

Well even though Massachusetts has some of the highest auto insurance costs in the country. Some of the people will want to have some additional or optional coverage for themselves.

Following are those additional or optional overage:

• 
  Third party safety : Increased limits for bodily injury to others.
• Personal safety: This includes the increased limits for bodily injury which can be caused by an uninsured or underinsured auto.
• Additional Coverage for medical payments and treatments beyond the mandatory PIP coverage
• Collision coverage: This coverage will pay for the damage to your car no matter who causes the accident. There are a range of deductibles which most of the companies will allow you.
• Comprehensive coverage: This coverage will pay you for damage to you car caused by events such as fire, theft or vandalism.
• Coverage for substitute transportation while your car is being repaired from a collision or comprehensive claim.
• Coverage for towing and labor in case your car breaks down
  
  

Auto insurance canada

What are the common details to be filled while insurance documentation



well here is the format of  form which you might need to submit.Have a look at the following points

1)Your Car
Make: Model:
Year: Distance driven one way to work:
Annual mileage: Do you use your car for business? Y N

2)Vehicle Identification Number (VIN):
Your Current Broker, Agent, or Insurance Company
Name: Company:
Phone: policy number:
Coverage: Deductibles:

3)Your current annual coverage rate:
You (as principal driver)
Gender: Birth Date:
Marital Status:
Number of years you have been licensed to drive in Canada or the U.S.:
Your driver's license number:
Has your policy ever been cancelled for non-payment or any other reason?

4)first-time driver:
Did you receive a Driver Training Certificate? Y N
List details of all accidents and claims in the past 6 years:
List details of all traffic violations (not including parking tickets) in the past 3 years:
Coverage: Deductibles:

5)Other (Occasional) Drivers
Gender: Birth Date:
Marital Status:
Number of years licensed to drive in Canada or the U.S.:
Did they receive driver training? Y N Do they have a Driver Training Certificate? Y N
List details of all accidents and claims in the past 6 years.
List details of all traffic violations (not including parking tickets) in the past 3 years.

car assurance policy structure basic :

This can vary from country to country but basically it is same.

For example at U.k the format may be like:

Heading - this section covers the full name and address of the assurance company which is underwriting the auto insurance policy.

Preamble - Preamble contains following information - what will be premium paid and that the proposal form is the basis of the contract.

Operative clause - This clause will dictate the types of event that the auto assurance policy provides covers against like; typically comprehensive, third party fire and theft or third party only.

Exceptions clause - This clause contains exceptions or exclusions from the cover. For example no cover is provided if the vehicle is driven by anyone other than the drivers specified in the certificate of coverage.

Conditions - conditions, which apply for the cover to be operative.

Conditions are special terms on which insurer have to fulfill for the time he is insured For example the insured person must notify the auto insurer or their agent of any incident, which could result in a claim being made under the policy. 

There might be some conditions to make people more responsible for vehicle like the vehicle must be kept in good condition so that risk for the company is low as well as they insured person is more secured while driving.There might be more conditions like that the auto insurer has the right to reasonably inspect the vehicle.

Schedule - This can be read jointly with the coverage policy and the certificate of insurance.It gives details about the specific to the insured such as name, and period of assurance. It also refers to the applicable sections within the auto insurance policy document and details endorsements applicable to the auto insurance policy.

Note:This is a estimated format only.

Auto insurance united kingdom

Introduction to UK Auto Insurance Policies

During 1930 the UK government introduced a law that made compulsory for every person who used a vehicle on the road to have at least third party personal injury insurance.Well if you live at Northern Ireland area of UK then you will be giving high premiums for your insurance as compared to other parts of the united kingdom.coverage is more expensive there than in other parts of the UK.

According to MIB* UK has one of the worst records in Western Europe for uninsured driving with an estimated one in every twenty cars on the road being driven without insurance.
U.K traffic and road laws are defined by the The Road Traffic Act 1988, which was last modified in 1991. This act requires that the person driving the vehicle should either be insured, have a security, or have made a specified deposit (£500,000 as of 1991) with the Accountant General of the Supreme Court, against their liability for injuries to others (including passengers) and for damage to other persons' property resulting from use of a vehicle on a public road or in other public places.

What the law says "It is an offence to drive your car, or allow others to drive it, without at least third party coverage whilst on the public highway (or public place Section 143(1)(a) RTA 1988 as amended 1991), on private land no such legislation applies".

(MIB) motor insurance Bureau also established in 1946 it is a non-government authority which compensates the victims of road accidents caused by uninsured and untraced motorists. 

Motor Insurers' Information Center : It also operates the Motor Insurance Database, which contains details of every insured vehicle in the country.

The punishment

If an authorized person, such as the police, ask you(as driver) to produce an coverage certificate for inspection, and if you failed to show the related documents then the driver will usually be issued a HORT/1 with seven days, as of midnight of the date of issue, to take a valid coverage certificate (and usually other driving documents as well) to a police station of the driver's choice. Failing to provide an insurance certificate on demand from legal authority is an offence.

Auto insurance

The word insurance gives us a feeling of safety in our minds,according to law and economics it is a form of risk management and not risk avoidance.Some people think that assurance can save them from any kind of losses well it is only a risk management form and it doesn't mean that you are all free and safe,you get safety in financial terms only and it cannot make reverse the situation.(especially in case of life insurance).

For example : if a person dies then his heirs will be able to get only monetary benefits as the person cannot be revived back to his life.

WE are here to talk about the auto coverage.

 assuranceCoverage levels

Following are the car assurance coverage levels


The insured party : the person who is insured.
The insured vehicle : vehicle car,auto etc
Third parties (car and people) : Prevents third party cars and people from 

liability insurance

What are deductibles:

Any amount paid in excess of the fixed contribution towards the car assurance is called deductibles it depends on your choice whether you want a full coverage or want to save money , the high deductibles the less you pay premiums.Deductibles are the portion of any claim that is not covered by the assurance provider.

Again these deductibles are further divided into two classes

Compulsory deductibles : It is the minimum or the lowest excess payment your insurer will accept on your protection policy. 

Voluntary deductibles
It is the extra or additional amount of money over and above the compulsory deductibles that you agree to pay in the event of a claim on the policy.

What are the basis on which company can charge you premiums:

Well there are many factors which effect your auto insurance premiums costs 

some of them are discussed below:

Gender :
Well this is a controversial issue and this is all about whether women are good drivers or males,it is found that mens average more miles driven per year than the females do, and have a proportionally higher accident involvement at all ages.But again there was evident which was published in news reports on a recently defeated EC proposal to make it illegal to consider gender in assessing assurance premiums.

Age

Well this affects a lot. Why ? it is a sign of maturity and responsibility simple.You can see that teenage drivers who don't have driving record will have higher car protection premiums.

Distance : the more you drive your auto or car, the more you have to pay for
premiums however many companies don't give regard to this thing a lot.

Reasonable estimation : It means that estimation is done on justifiable grounds, well many of the vehicle protection plans rely on a reasonable estimation of the average annual distance which is expected the car to be driven which is provided by the insured.

Odometer-based systems : This system of vehicle assurance is simply based on the cars Odometer which help to know how much car has travelled.After application of company's risk factors and the insured person has accepted the per-mile rate offered,this comes into play

According to this system customers buy prepaid miles of assurance protection as needed, depending on factors such as buying gallons of gasoline etc. Consumer can easily know when to buy protection.Even though there are possibilities also of cheating the system by odometer tampering.

GPS-based system
During 1998 it was emerged by the Progressive assurance according to this system drivers received a discount on premiums if they install a GPS-based device which is used to track their driving behavior and report is send through cellular phone to the company

OBDII-based system 

This system was again developed by Progressive in 2004 it used a device which was named TripSense device. This device connects to the vehicle's OnBoard Diagnostic(OBD-II) port, which exists in all of the new cars built after 1996.
Insurance of classic vehicle and antique auto

:

There is a wide difference between the Antique car as it is much older than classic cars. Some of the people generally have the love for the antique cars and cars they want to be on safe side because the antiques cars needs more precautions and their parts are irreplaceable so you have to take care about them.This is the reason why an antique car assurance has certain bounded or restrictions. Insurance companies might be sometimes willing fully give you a decent premium if you take certain precautions.

Classic cars is that car which needs to be only 15 years old whereas antique cars have to be at least 25 years old.

Different principles of safeguard

There are about seven characteristics which are described below:

Large no. of homogeneous exposure units.
Definite Loss
Accidental Loss
Large Loss.
Affordable Premium
Calculable Loss
Limited risk of catastrophically large losses
these all characteristics of assuranceare described at wikipedia