How to Cut the Cost of Car Insurance

Less desirable and low value cars are cheaper to insure

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

Age is a concern

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

Keep adding to the no-claims bonus

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

Convictions are not cool

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

If you've got a garage, use it

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

Anti-theft devices

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

Use a reputable broker

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

A word of caution on price comparison sites

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

Pick up the phone

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

Got a nice postcode?

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

Mileage and use

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

Married with kids?

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

Do not modify your car

We all see the bling bling cars that haunt Supermarket car-parks late at night and if you like the tacky neon colors and loud exhausts is here here nor there – the fact is that any sort of modification is likely to hike your car insurance premium. Modifications can draw attention, invalidate warranties and in the case of loud exhausts, can also be illegal (if above the noise limit). If illegal, then it could invalidate your insurance as well. The fact is that car manufacturers spend a lot of time developing their products so they work well and if you modify them then it's all out the window and your insurer will be scratching his head wondering what he should charge – and it will almost always be more than a standard vehicle.



Source by Maurice Gertski

What to Look for in a Full Coverage Car Insurance Quote in Maine

When you buy a new car in Maine, you’re likely going to want to show it off. One of the pleasures of owning a new vehicle is turning heads when you’re cruising down the street. Not only will you catch the eye of people who wish they had the same car, but you may also attract the attention of car thieves. Every day many cars are stolen and unless you have adequate car insurance coverage you may find yourself without a car or a way to replace it if it does indeed go missing.

A full coverage car insurance quote in Maine will include the required liability, uninsured motorist and medical payments coverage. However, it should also include some, if not all, of the optional types of insurance. An important aspect of any full coverage policy is collision and comprehensive coverage.

Most of us never consider the possibility that our car could actually be stolen. Many new cars are very appealing to thieves and if you don’t have an anti-theft device installed you may wake up one morning to find it gone. Comprehensive coverage will offer protection for theft. If you have this coverage in place, you can expect to pay a bit more for your insurance. However, a good way to offset the higher premiums is to take a higher deductible. This will lower the rate you’ll need to pay.

Collision coverage is also a fundamental part of a full coverage policy. Collision offers protection just in case you ever hit an object, like a tree, a signpost or another car. Anyone who drives a late model vehicle should invest in collision coverage. When you consider the cost of parts and labor to fix a new car, it’s easy to see why the premium for this coverage is well worth it.



Source by Alexis Jensen

Review Of Infinity Auto Insurance Products And Services For US Motorists

The actual Infinity auto insurance provider started in 1955 as the Dixie Insurance Company. Infinity Insurance has evolved drastically since then, and right now has 1900 staff members as well as has clients in 43 Us states.

Benefits Infinity Insurance

Infinity offers lower cost auto insurance to a wide variety of car owners. More mature as well as more youthful motorists benefit from some large rate reductions. Infinity's three different policy categories allow drivers with clean driving records and people with previous violations acquire cheaper insurance. The Infinity insurance firm is financially stable and has an 'A' rating from the insurance company rating agency, AM Best. This gives customers peace of mind, simply because they know they're covered through a business with a fantastic reputation.

Types of Auto Coverage

There are three main forms of car coverage obtainable. These types of categories include Infinity Premier, Value-Added coverage and Low-cost policies.

Infinity Premier Insurance coverage – This kind of coverage is for individuals with a clean driving record, and would prefer greater limits and extra coverage. Comprehensive and collision coverage cost you less if you're an Infinity Premier consumer.

Value Added Coverage – This insurance coverage is designed for individuals who would like insurance, but do not have clean driving history. Regardless of any kind of violations you may have gotten on your own driving record, Value Added policies do not prevent you from acquiring some of the advantages offered in the Infinity Premier products and services, and it's still able to get reasonably priced insurance coverage.

Low Cost Protection – This sort of insurance coverage is great for car owners with transgressions on their own driving record, but would wish to receive less cost car insurance. The low-cost option is the most straightforward coverage provided and is suitable for car owners who would like to drive lawfully, for a lower price.

Infinity Insurance Special discounts

Infinity motor insurance offer clients a selection of solutions to help save more on their promotions. When you cover more than one car, you can cut your insurance coverage amount by as much as 27%.

A cautious car owner gets rewarded by Infinity. When you display evidence of this, you may save as much as 25% for your own insurance premium. If safe car owners renew their insurance coverage with Infinity, will also obtain an additional reduction of 8%.

Young and also more mature motorists also benefit through discount rates from Infinity auto insurance. College students can easily save as much as 10% on their insurance premium, simply by obtaining good grades. More mature drivers that have completed a mature driver course also obtain special discounts. Quite a few customers choose to pay their insurance premium up front. When you choose to do this, it is possible to get a discount on your insurance premium by making a full payment.

Receiving a quote from Infinity

It is simple to get in touch with Infinity concerned a quote by phoning their customer support desk, via their brokers or via their web site. This kind of information is accessible on the Infinity web site, and they also have 24/7 customer service.

Customer Satisfaction and accolades

During an independent investigation of insurance companies, Verizon found that Infinity Insurance has been 'one of the most available, easy-to-reach, and friendly car insurance companies to call. They also have recently opened up a huge 325 seat call center in The state of Texas, which caters for customer service and claims, for English and Spanish speaking consumers.

Infinity Job opportunities

Infinity Insurance have built up a culture of teamwork and believe that their very best asset is their personnel. Customer care, claims personnel, IT, business development, marketing and advertising, accounting and finance are the primary career options offered on the Infinity auto insurance internet site.



Source by Brad Mamnya

Office Organization – Priority Placement

Organization is a major problem for anyone with an office. How do you get the most out of your time? Well, believe it or not, it has to do with where things are located in the room.

For instance, let’s suppose that you have a file that you need to work with each day. If that file is located in a filing cabinet clear across the room, you have to keep getting up and down all the time to get it or put it away. That’s why priority placement is so important.

One way to guarantee that you’re placing things you need near your workspace is to maximize your storage. For instance, if you have the space, invest in an L or U shaped desk and a rolling desk chair. That will allow you to quickly spin and access many more things than if you just had a small rectangular desk.

Also, it helps to get a desk with built in drawers or filing cabinets. That way, you can place those things that you need most often in drawers or cabinets at your level and other things in drawers that are down by the floor or on overhead shelves or shelves in another part of the room.

Another part of that is general organization. Be sure to prioritize all paperwork, for example. Deal with it as soon as it comes in and place it in the appropriate files or drawers. That way, you’ll always keep your work surfaces neat and you can make better use of your time.



Source by Tim Bailey