12. June 2017 · Comments Off on Cheap Car Insurance Is Easy To Get Online · Categories: Car Insurance

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.

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05. June 2017 · Comments Off on Is Budget Car Insurance Cost Effective? · Categories: Car Insurance

Budget car insurance is widely available on plenty of broker quote sites online.

If you have really good credit, you will automatically pay a lot less for car insurance than most people. Most insurance companies will pull a copy of your credit report as a matter of prudence.

It has been proven that there is a direct relation between your credit score and how likely it is that you will file an insurance claim with an insurance company. This means that if you are a high claimer and are looking for budget car insurance, it may prove difficult.

If you are seeking budget car insurance you could be construed as high risk.

In addition, your insurance company wants to know that you will pay your bills on time, so if your credit score shows that you pay bills late as a matter of routine, you may have some problems getting budget insurance.

Unfortunately, a lot of companies will judge you automatically via your credit score, including budget car insurance companies.

If you drive a fancy car, you can expect to pay more for insurance. New cars cost more to fix, so do expensive cars. Don’t expect to get great budget car insurance if you drive a luxury car.

Some auto insurers have a rating system according to your car make and model. Each car has a number on that rating system from 1 to 27. Factored into these numbers are risk factors such as theft and also the overall safety of the vehicle. For example, older model cars that do not have air bags will probably be more costly to ensure as well therefore budget insurance will not fit this criterion.

If you find what you think is really cheap budget insurance, pay special attention to the “hidden” costs. If you are paying via installment payments, you can definitely expect to pay a lot more over the long run because of administrative costs and interest that are factored into those payments.

When you get a budget car insurance quote, read the fine details.

Sometimes what you think is a good deal for budget car insurance may not be in the end.

If you have a newer vehicle, for example, find out what value your insurance company considers “replacement value” on your car. It may be worth it to pay a little extra to get the value of your vehicle at the time you insure it, rather than the blue book value. It may surprise you to find out that most insurance companies will not give you replacement value if you write your car off.

If you switch insurers, be sure to cancel the existing policy you have with your previous insurer, or you may end up paying both policies. Just because you decide to go with a lower cost policy does not mean that your previous insurer will automatically cancel your insurance policy.

It is a good idea to be aware of all the ins and outs of a lower cost insurance policy. Just because you are paying less for the cheapest car insurance does not mean that you are getting the best deal in the long run.

Due diligence is a must as budget insurance may not be the best option.

29. May 2017 · Comments Off on Christian Parenting: Family Finances Money Saving Guide and Financial Planning · Categories: Finance

Keeping the household budget under control can be difficult for most families, even those that have high incomes. If you have loans, high credit card bills, debts or lack of finances you may be struggling to budget effectively and this may create family conflict as well as lack of ability to plan for future commitments such as your children’s college funds or sufficient investments to keep you in retirement. Financial awareness is important not just in times of recession but also when spending leads to living beyond your means. These can all be causes of stress and anxiety. Being able to spend wisely is a good way of teaching your children skills for living as well as reducing stress making situations within your family.

Here are some financial tips that can help you if you are struggling with sorting out family finances or if you want to reassess what you are doing with your income and expenditure.

Personal Finance

You may be surprised that if you sit down and work out exactly what your outgoing’s are in relation to your income in an honest way you can begin to become clearer about how to budget to meet your needs. Many people go through their adult life not being aware of their real income and expenditure and remain distressed month after month when there is a short fall. Some people stay consistently in debt just because they are too scared to do the math. If you want to lessen this feeling of panic then consider personal financial counseling, it will help you to sort out your concerns and assist you to start getting control without needing to go to the loan sharks. If things are really worrying consider debt consolidation if needs be but do not put your head in the sand. However, If you have money left over after doing budget monitoring then you should consider putting it into a savings account to obtain interest not blowing it all at once. There are also personal finances software and free family budget planners which you can use on line to help you assess your family spends including monitoring over time.

Saving money

Most people will need to save money for big expenditures, such as education fees, the purchase of property or to buy a car for example. The earlier on in life you can start saving the better because of the “law of compound interest”. This states that you make money on the interest your savings gives you as time goes by. But this really only works if you do not touch the money you are saving for some considerable time, usually all your working life and that you invest regularly. Most people unfortunately are not in this position, and you should not do it if it caused strain on your overall budget, but shorter periods of saving and ad hoc amounts when you can afford it will still give you better results than if you did not save at all and had to take out a loan.

Credit cards

Pay off your credit card bills before you consider putting your money in a saving account or in any other investment. In fact if you have money in a savings account and have unpaid credit card bills it doesn’t make sense not to pay your lenders as the interest charged on credit card and store card debt is many times the amount than the interest that you can get from saving your money in the bank or in a savings account. You can always start saving again but if you have debt hanging around over your head this will continue to have an emotional impact on you and your ability to be in control of your finances.

Some people play the credit card swap game of transferring debt from one card to another at zero interest rate for a limited time, and then swap to another just before this cards interest rates rises. There are many benefits of doing this and the credit card companies encourage it by offering cash back, air miles and other rewards but you should do it with caution because as if you are not able to keep track of the time when the interest free only time runs out and swap cards you will have to pay the full rate which as we know, is very high.

Saving accounts

Not all savings accounts are born equal and you should research the best one for your needs, but do not let that stop you from embarking on regular saving. Even if you think you have found the best savings account a new deal may come on the market, however make sure that paying any early penalty withdrawals is worth the effort of swapping accounts.

Family Insurance

The best type of insurance to invest in for your family, over and above the obvious such as house, car and medical insurance should be the kind that meets your family’s unique needs. Dental insurance, pet insurance, musical equipment insurance maybe the types of insurance that without it your family’s crucial day to day wellbeing would suffer, not just as an extravagance but a necessity. But assess all of the insurance covers you have taken out and make sure where some overlap you are not paying out twice for cover such as for payment protection plans on loans credit cards, lost keys, travel insurance.

Discount Finders

Families are really getting wise to the benefits of buying products and services online as there are huge discounts to be made by buying this way. In addition there are online websites and forums where daily discount vouchers can be found. Price comparison sites are also useful to compare prices and get the best deals on line when you are shopping.

As a family you can work together to understand your budgeting needs and how you spend and prioritise what you need. Lessen the stress of financial issues by getting good money advice and seeing what makes the difference for you.

23. May 2017 · Comments Off on Explaining Car Insurance for Students · Categories: Car Insurance

Many college students now drive their cars, and one common complaint is the high cost of car insurance for college students. The first thing to put in mind is that car insurance is seen by almost everyone to be expensive. It is viewed as an added expense, and because it is enforced, it does not have consumer-friendly connotations. Some people think having an insurance for your car is absolutely necessary. For students, it probably is.

Why is it expensive?

However, it cannot be denied that the students are hit the hardest by high insurance cost. The rationale behind the high cost of car insurance for college students is due to mainly one factor-their age.

The Age Factor

Car insurance is perhaps an area wherein age is an advantage. Insurance rates get better as you grow older. Nascent drivers are still learning how to drive and train their reflexes. The chances that they may bump their car into a signage or lamp post are high. Also, they are less equipped with skills and reflexes to avoid accidents.

The Gender

The gender of the student partly determines the cost of their auto insurance. Usually, college boys will have to pay more than college girls. Statistics indicates that teenage boys are susceptible to driving accidents and violations, most probably because they are new to the activity and they want to be adventurous. But the practice of insurers to offer more expensive insurance for males has been viewed by some critics as a form of discrimination.

Looking for Favorable Deals

It may be a challenge for students to save on car insurance. One way is to look for quotes online. There should be a few insurers who are willing to offer cheap car insurance for students. Shopping for insurances can be daunting for young drivers. You may want to get advice from mom or dad.

Opting for Temporary Insurance

Students who use their cars occasionally may opt for temporary student car insurance, which is the cheaper alternative. This allows you to avail of the coverage only when you use your car. A similar insurance product is the pay-as-you-go policy. However, check with your state authorities if insuring a car on temporary basis is legal.

Choosing the Right Car

Insurance companies classify cars in several groups, depending on price, newness, features, engine size, and so on. Usually, inexpensive cars would qualify for low premiums. The problem with many college students is that they want new stuff-new gadgets and new cars. If the car is not sleek, it will most likely be left in the garage. But new and classy cars are likely to get high insurance costs.

Adding Your Parent to the Policy

When you add a more experienced driver, like your father, on your insurance, the insurer will assume that the driving is shared. Doing this will reduce insurance premiums. Parents should not insure a car under their name if the main driver or user is their son or daughter. This is illegal.

Taking Care of Your Car

Reckless driving has several negative repercussions. One is your car can get damaged. Another is you can damage someone’s car. You may crash into a property or hit a pedestrian. All the recklessness can incur liability and rise in the cost of your insurance.

15. May 2017 · Comments Off on Car Insurance Coverage – Why It Makes Sense to Have the Right One · Categories: Car Insurance

Most people look at car insurance as a burden, one that they have to bear because of State insurance laws. They buy the bare minimum state mandated liability coverage to stay legal and carry on driving, assuming they are completely covered in case of a mishap. Yet others start with buying multiple car insurance coverages, and over time decide they need to save money, which can be done by cutting on certain coverages. The rude awakening comes when they get into an accident where they are at fault, or have their car stolen or damaged, and realize their policy did not include the necessary car insurance coverage to cover any of these events. A little bit of planning and foresight can help avoid such situations.

Car insurance isn’t rocket science, and all it takes is some understanding of the basic function of each car insurance coverage and then deciding if it’s really worth investing in or not. This is especially true if you have an old beat up car. Would you rather pay for comprehensive and collision insurance and the deductibles as well (at the time of claiming), or does it make more sense to simply go without, and save the premium and deductible money in an emergency fund for your car? Insurance is a gamble and you pay for the peace of mind from knowing that in case of an eventuality you are covered. You may or may not need to use it.

Liability or third party insurance is another area where you need to consider the particulars of your location, the driving skills of the other drivers using the car, and your financial capability to pay the other driver for any damages you might have caused, in case you are found at fault in an accident. If you drive long hours, on congested roads, or if you have a relatively inexperienced driver also driving this car, you might consider keeping a high liability car insurance coverage. TX car insurance laws for example, ask for a minimum liability of 30/60/25 starting January 2011. One in five people in TX are uninsured, so while you want to be sure you get adequately compensated in case of an accident, you might also want to buy Uninsured Motorist/Underinsured Motorist coverage if you live there.

Umbrella insurance is one of the most under rated car insurance coverages. It’s actually a very smart way to increase your liability coverage and comes in handy incase of potentially bankrupting lawsuits. You don’t want to have to pay out of your pocket in case your car hits a school bus full of kids and hurts somebody seriously or ends up totaling a high-end luxury car. It doesn’t cost too much to get $2 million umbrella insurance, and it kicks in only when the upper limits of your liability coverage have been exhausted.

Gap insurance is a good option to invest in if your car is not fully paid for and you still have to make most of the payments. In case your car is totaled, your full car insurance coverage will only pay for the car’s blue book value which factors in its depreciation amount, whereas you will still need to pay your dealer the balance installments for the car, making you upside down on your payments. Gap insurance fills this gap and helps you pay off the balance amount. However, investing in gap insurance is only recommended if you still owe most of the money on your car.

PIP or no fault coverage is mandatory in some states while it isn’t available in others. However if it is available in yours, it’s a good option to look into, after reviewing your health insurance policy. Personal Injury protection coverage takes care of medical, work loss, funeral, survivor’s loss and other maintenance expenses incurred post an accident regardless of who is found at fault in the accident; a good car insurance coverage to consider as it takes so many factors into consideration while calculating your claim account.

So next time you decide to buy yourself just a minimum liability car insurance, think twice. The liability coverage will only compensate others for injury or property damage caused by your car; it will do nothing for you. Also look at the other car insurance coverages and try to strike a good balance of rates and coverage to give you better protection in case of an unforeseen eventuality.

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