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Comparing Auto Insurance rates to get the best deal

The recent over-saturation of the auto insurance market has had a drastic effect on the industry. The advent of competition has brought on consistently decreasing insurance premiums as auto insurers compete vigorously for business. Apart from their aggressive advertising campaigns, the main way in which these companies attract new clients is by striving to offer the lowest rate possible to each customer. This is especially necessary now because internet technologies have made it easy for prospective policyholders to compare car insurance rates online – giving them an easy way of picking out the best offering based on cost, and level of coverage. With this in mind, insurance companies are constantly bidding against each other to offer their customers better value for money – in a desperate attempt to keep them around and, perhaps, steal a few customers from their competitors. W Read more…

Auto Insurance for Bad Drivers

If you are the type of person who has a driving record long enough to line a football field, you may have trouble findingcheapest car insurance for bad drivers . While there are some companies that specialize in providing insurance for people who may not be able to find coverage anywhere else, these companies typically charge more money for premiums. On the other hand there are smart ways to go about getting a cheaper rate on your insurance policy. In some rare cases, insurance companies will offer better rates to people who are currently enrolled in school. This is especially true if those young people’s parents have their auto insurance policy with the same company. Sometimes they will be happy for the repeat business and offer a discount to those individuals. Also, if you get a cheap car that is not a sporty type vehicle and isn’t considered a high risk for accidents you might get an even better rate.

Being a bad driver is not without its consequences and one of the biggest of them, aside from being jailed, is having to pay outrageous insurance rates for the duration of your life. It Read more…

Factors Affecting the Cost of Insurance

A lot many of us believe compare car insurance stands out as the only medium to get lower insurance premiums. What most people do not take into consideration that insurance costs depend on several factors- factors which are capable of manipulating the premium rates. Some of these factors are completely unavoidable while certain others come with unpredictable conditions that cannot be overlooked. For instance, consider the case of the gender bias that comes with insurance sector. It is statistically known that women are better drivers than men meaning the insurance premiums for the former come with better quotes. On the contrary, men with their ‘boy racer’ image suffer the ever-rising costs of insurance premiums with grace.

Another of the well known stories is that of the younger drivers. Aga

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Caravan Insurance Ireland

Sometimes, finding caravan insurance Ireland can seem difficult. Although not as much of an issue now as it once was, some companies will still only insure caravan users in the UK and deem the Republic of Ireland to be included in their EU policy. As such it can sometimes be difficult for residents in the Republic of Ireland to find appropriate insurance, but there are some companies that will be able to accommodate.

Probably one of the biggest and most popular caravan insurers in Ireland is Rosgoill Properties and Insurances. They specialise in providing caravan and holiday home insurance in the Republic of Ireland and have been in the business since 1996, so you can be sure of their experience. Roger Blythman and Associates Ltd is another possibility, being based in Dublin and providing insurance for caravans and mobile homes for people throughout Ireland.

Aviva is one of the few well-known insurance companies that will insure you and your caravan no matter where you are, with the Republic of Ireland being in their territorial limits. Read more…

Study Shows Spirited Vehicles Result in More Traffic Violations

Auto insurance claims are likely to increase due to greater traffic violations accumulated by drivers who purchase “spirited vehicles.” According to a study conducted by Quality Planning (QPC), an analytics company that validates policyholder information for auto insurance companies, drivers who purchase certain types of cars have a greater propensity for getting ticketed than others.

Certain Cars Encourage People to Drive Differently

The QPC study found there is a definite relationship between the type of car a person purchases and their driving behaviors. When it comes to “spirited vehicles,” (cars that result in greater traffic violations), the type of vehicle is usually one from a foreign manufacturer and meant for younger drivers.

Some spirited cars in the study included:

  • Mercedes-Benz SL-Class roadster
  • Toyota Camry and Solara
  • Scion TC
  • Hummer H2/H3
  • Acura Integra
  • Pontiac Grand Prix

These cars routinely have more traffic violations than other cars because of who they’re designed for and specific features within each car that make them more exciting to drive.

Should I Buy a Spirited Car?

Of course, buying what is considered to be a spirited vehicle doesn’t mean that you will automatically have more traffic violations. It just mea

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How to Find Inexpensive Auto Insurance


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    Keep the traffic and parking tickets to an absolute minimum. Tickets on your record have a big influence on the auto insurance rate you get. If you have a clean record, then onto the next step. If you have tickets on your record, within the last handful of years, take it easy for awhile. In most states those tickets will drop off your record after a few years. That will translate directly to lower insurance rates.

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    Add safety and anti-theft devices to your car. If you’re not in the position to purchase a car with all this preinstalled, then purchase an add-on security system or safety equipment.

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    Move all your insurance to one company. You will often get a nice discount on individual insurance policies if you give your house, life, auto, and other insurance business to one provider.

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    Shop around.

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Pros and Cons of Umbrella Insurance: Why I Just Bought Some

I have to be honest with you. I am scared to death of being sued. We live in such a litigious society now. It is estimated that over 15 million lawsuits are filed in the United States every year, and over $250 billion is awarded each year in lawsuits. The statistics are completely staggering.

In Arizona, civil lawsuits cost only $80 to file. Many lawsuits go to trial and take several months to complete because they will often include discovery motions, mediation hearings, garnishment hearings, findings, judgments and results that are often appealed or contested. All the time this is going on, lawyer fees are being racked up by both parties.

Are You Vulnerable To Lawsuits?

Are you vulnerable to being sued by someone? You bet you are! Most people think that it can’t happen to them, but if you think long and hard, I bet that you can come up with tons of horrible scenarios where you could be sued for negligence or wrongdoing.

Do you have a teen who is a reckless driver? D

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How to Report Uninsured Cars


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    Gather as much information as possible about the uninsured driver. Have her license plate number, address and name, if possible. The motor vehicle department can identify a driver by plates issued and not returned when insurance lapses.

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    Call your state motor vehicle department. If you do not have the phone number, go to the state’s website to locate it. Some states use separate departments that handle uninsured drivers, but your motor vehicle department can provide you with the correct contact information, according to the Car Insurance website.

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    Call and use the prompts to transfer to the licensing department. Once connected, explain that you want to report an uninsured driver and provide the representative with all of the information you have.

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