Causes of increase in car insurance rate

Posted on July 22, 2009 by admin

Causes of high auto insurance rate

 

 

There are lots of factors contributing to this, take for instance if your auto insurance company have lots of it’s customers involved in accident have laid claims, that may result to high premium. If there have been increase in car theft especially on the type of car you are driving, it may lead to higher cost in some insurance companies. High car cost and maintenance can also lead to a higher insurance premium. Also high labour cost on the part of insurance company may lead to that can also lead to it. Even though you have not been involved in auto or car accident, other customer’s activities in the company may affect you in terms of policy in one way or the other.

 

 

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How I should know if am charged the right car insurance premium?

Posted on July 22, 2009 by admin

Car insurance premium.

 

Basically, one of the ways you can do that is to understand your car insurance policy, what you are entitled to and your coverage. Mastering these will go along way of educating you on what car insurance rate you have to pay. Others ways are shopping around to have an idea of estimates of the rates you have to pay and coverage. Also ask your insurance company or agent by contacting their customer’s service or help line.

 

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Can receiving a ticket due to over speeding increase my car insurance rates?

Posted on July 22, 2009 by admin

Car insurance tickets

 

It depends on lots of factors such as your car insurance company policy, your driving records, you’re age just to mention but few. But you should be aware that receiving ticket due to over speeding can lead to higher rate. Your car insurance firm takes a lot of things into consideration to access this. My advice is this; just obey the driving rule of sticking to the required speed limit. Plan your journey so that you don’t over speed trying to get to your destination. This will help avoid these car tickets.

Note that car tickets are normally insured if you break the driving laws in your community.

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How can I reduce my auto insurance premium?

Posted on July 22, 2009 by admin

 

 

Car insurance premium

 

There are lots of ways to do that but I will mention few of them;

First and foremost you have to shop around whenever you want to take up car insurance. Many insurance companies have many quotes. This will help you to know various available prices for you to make decision.

Secondly, if you are a student, try as much as possible to have a good grade in your examinations. Many insurance companies give some sort of discount to students with a certain grade.

Thirdly, try as much as you can to buy safety cars. Many modern vehicles have safety gadget and that plays a vital role in accessing your car insurance premium.

Fourth, know the type of car insurance coverage that you need. There is much auto insurance coverage which ranges from comprehensive, collision, medical, pip etc. knowing the best coverage will help you to eliminate what you do not need.

 

Moreover, take a good and recognized driver’s education. Finally, always contact your car insurance company and ask them of any available discount they are offering. With these, at least, some of your car insurance premium will be reduced.

 

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Factors that determines car insurance rate

Posted on July 22, 2009 by admin

 

Car insurance quotes

 

There are lots of factors that can determine your auto insurance rate. They are,

 

First, age distribution of a particular country can affect the rate you pay on car insurance. If the population is aging, that may result in paying low car insurance. If the population have many young ones, the car insurance rates may be high. Many may argue on this but some state insurance companies put this in consideration.

 

Secondly, Sex distribution is also a factor. If the population have younger female, the car insurance rates tend to be low. You can put it this way, car insurance for female tend to be low when compared to young male.

 

Other factors that can determine car insurance rates includes safety nature of your car, crime rates and the nature of the road you ply your truck. Depending on also on individual cases, your car insurance rates may be high or low.

 

 

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Car insurance safty tips for young drivers

Posted on July 22, 2009 by admin

Car insurance safty tips for new drivers

 

As a teenager, I encourage you with this, if you drink, don’t drive if you drive, do not drink. Secondly, avoid going to clubs with your car, instead take public transport back home, but if you do go, avoid taking alcohol. Thirdly, make sure you drive within the speed limit that is specific to a particular area. Fourthly, try to avoid cars that are unstable that encourages speeding. Also, buy cars that have high safety value, this will help to avoid accident and finally, Always try as much as you can to improve on your driving skills. Avoid talking and dialling numbers while driving, if you must answer or make a call, you have to clear your car properly before doing so. These are some of the advice I have for you; however, do contact your insurance firm for more information.

 

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Car breakdown tips while driving on highway?

Posted on July 22, 2009 by admin

Car insurance safty tips

 

During a period of car accident or break down, your first primary concern is your personal safety. Before you get out of the car, make sure you are not getting out on highway lane while opening your door to avoid the incoming cars or trucks bump on you.  You can make a call to been helped if the situation is out of your control. If you manage to get out of the car, do not forget to display safety equipments for other road user safety. Do also contact your car insurance company to be aware of what happened if it’s neccessary.

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Can my car be insured in another city and tagged in different city am living?

Posted on July 22, 2009 by admin

Car insurance in different states

 

In many state car insurance laws stresses that you need to have your car insurance in the state, or county or region you have your license plate and registration. However, I advice you contact your insurance company to discuss about this. Also, some counties or states offers flexibility which can help you insure your car in another city. Contact your agent for this if you need to.

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What makes me eligible to have car insurance?

Posted on July 22, 2009 by admin

 

Car insurance requirements

 

–         You must have reached the legal age. In some country, it starts from 17 while in others are 18 till 73 and must posses the driving licence of the country you are residing.

–         In many states, drivers between the age of 17-20 inclusive will need to obtain some special pass call pass plus. This is due to risky nature as young people within that age tend to experiment many things.

–         The vehicles you are about to be insured should not be enhanced to improve its speed.

–         You have clean record with the law enforcement agent especially with the police. You can still be insured if you commit crime.

–         You should also know that you or your partner will be the owner and registered keeper of the car under consideration.

–         You must have clean medical and eye report for you to be eligible.

–         Scrutiny is also placed if you have been refused renewal of your car or truck insurance or having your former insurance policy cancelled due to some reasons.

–         Young drivers within some certain age inclusion normally do not have claims discount for some time period. It varies from one auto insurance Company to another. Do contact your insurance agent or company.

 

These are some of the conditions you will fulfil before you will take auto insurance.

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Can I buy insurance online? What are the benefits and disadvantages?

Posted on July 22, 2009 by admin

   Buying auto insurance online

Yes, you can buy car insurance online. But you should also be aware that there are still many insurance companies that are not yet online.  The advantages of buying car insurance online are, most of the times, insurance firms’ gives discount to those buying online. It also gives you access to knowing and comparing many insurance company in front of your computer without having to leave the comfort of your home. With you having your quote online, you can save it in your company file and go and think about it before deciding to buy or not. These are some of the benefits and others.  How ever, you should also note that it will be difficult to get a comprehensive list of all insurance companies online. Some insurance companies apply restrictions while viewing quote online. Such restriction may be where you are located and other factors. if you have access to internet, use car insurance comparing websites while buying auto insurance online.

 

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