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The Auto Insurance Review Site » 2012 » May Real Time Web Analytics



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Searching For Cheap Motorcycle Insurance

Author: Robert Dellveroll  //  Category: auto insurance tips

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A motorbike is one of the cheapest and most convenient forms of transportation. It is great for short-ranged travels. In my case i decided to buy one since I live a few blocks away from my workplace. The distance is not really that far so there’s no need for a bus ride. Yet it can also be a bit too far to go on foot. A motorcycle is really ideal. The only thing I was worried about was that motorcycle insurance is quite expensive.

Motorcycles often encounter road mishaps which makes it high risk. Because of this, the insurance premium can also be higher. Nonetheless I have found out various ways to find the cheapest motorcycle insurance.

As soon as I got my motorbike I immediately looked for a good insurance company. I first checked on the government required coverage. then I started looking for an insurance company online.

I started by taking a look at the coverage that each company offered and tried to match it with my insurance needs. That helped me narrow down my choices.

Then I asked for a computation from each of the motorcycle insurance companies. The websites do offer a free online computation. this helped me compare the prices.

But it’s not just about the quote of the insurance premium that I had to consider. I also tried to make sure that the insurance provider would be one which is credible and has a good record. I checked on its ratings in popular survey companies and also tried to check on forums, blogs and reviews.

I believe those were the most important considerations I made which helped me pick out the cheapest motorcycle insurance. I was also able to get a good deal because I did some measures that will keep the premium low. I put some safety gears in the bike. Having a clean record on the road has also helped reduce the premium I had to pay.

Trying to find cheapest motorcycle insurance? Check this out motorcycle insurance.

Ways To Avoid Car Accidents

Author: John Smith  //  Category: auto insurance tips

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Car accidents and vehicular homicides cause a skyrocketing number of deaths in the United States every day, and collisions are one of the leading causes of death for young people between their teens and thirties. With the amount of car accidents at such an astronomical level, you should be trying to avoid accidents through any means possible. In addition to avoiding accidents, make sure you have an adequate auto insurance policy so that if you are involved in an accident, you aren’t financially devastated. So, what are some of the most effective ways to prevent and avoid car accidents?

 

The most effective ways to prevent car accidents include:

 

  1. Getting your car regularly tuned. If your car is not working properly, how are you supposed to stop it from hitting poles, people, and other vehicles, or from careening down that steep hill? Having faulty car equipment, such as old brake pads, loose hubcaps, electrical malfunction, or airbag sensor breakage, is one of the leading causes of accidents. If you take your car in at least once a year to the mechanic, you can prevent both minor collisions and deadly accidents.

 

  1. Following the speed limit. Speeding is dangerous, and makes it harder for you to stop in time when something gets in your way. It also makes it more difficult for other drivers to judge your location. For example, if someone changes lanes in front of you, and doesn’t realize how fast you are going, they might cut too soon, and you might not be able to stop in time before rear ending them. Going with the flow of traffic is important, and even if you are running late, just remind yourself that it is not a race, and that you will be way more late if you hit someone or something. Likely hours more. It’s easy to slow down, and you will help avoid accidents.

 

  1. Turning your radio on and off, or changing the station when you have stopped fully. Often, if a song comes on we don’t like, it is easy to get distracted trying to find the right station to fit our mood or taste. This takes attention away from the road, and can lead to an accident. Wait until a stop sign or stop light, or make sure to bring your CD or iPod with you and start playing your favorite tunes before you start driving to ensure an ambient driving soundtrack suitable to your needs.

 

  1. Wait to answer that call or text. Although cell phones may not seem distracting when you are just answering a ringer, most people know that texting and driving is very distracting, and texting in the car is illegal in many states. Not only are you using your hands to type words on the keypad, but you are probably also looking to make sure you didn’t autocorrect the wrong word, spell something wrong, or send the text to a different person than you meant to. Texting while driving is extremely dangerous, and easy to avoid. Wait until you are at a stop light or parked in a lot to text back. Even though calls seem less dangerous, it is more safe to wait until stopped to answer them as well.

 

  1. Don’t drink and drive. Being intoxicated is a leading cause of accidents in the US, and is easily preventable. If you are having a few beers, calling a cab or staying with a friend to make sure that you are not driving with poor judgment is an easy way to stay out of an accident and out of jail.

 

Taking these 5 steps will help you decrease your chances of being in a collision. Even though accidents are prevalent, and nobody is able to ensure full prevention, you are able to make decisions about your own driving habits that will keep you more safe. Being vigilant about the causes of most accidents and modifying your behavior accordingly will help keep you safe in the car.

 

As with all things in life though, no matter how careful you are, accidents do happen. To mitigate the damage associated with accidents, make sure that you have an adequate car insurance policy in place. While vehicle replacement coverage is nice, the most important feature for your auto insurance policy is to have personal injury coverage levels that are adequate to cover you in the case of a serious injury.

 

Medical costs can quickly mount, and if you happen to be at fault in an accident involving multiple personal injuries (or are in a no-fault state where multiple passengers in your vehicle are injured), then the medical costs are multiplied. A policy that only meets the minimum auto insurance requirements for the State likely will not suffice, leaving you in a very precarious financial situation. Takes steps to mitigate these risks by purchasing sufficient auto insurance coverage. There are many affordable options out there, and many service providers (such as the team at www.secureinsurancequotes.com/) with tools to help you find the right policy. If you have to give on a feature, raise your deductible rather than lowering your liability limit.

Insuring a Classic Car

Author: John Smith  //  Category: auto insurance tips

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Insuring a Classic Car

There are few man-made objects as beautiful and awe-inspiring as a classic car. Whether it is a car from the early 20th century, a classic muscle car from the 60’s or a mint Italian sports car from the 80’s, all of them hold a special place in a car owner or car collector’s heart. These classic cars cost a pretty penny- especially for upkeep- and are usually meant to be rarely driven, if not just kept in a garage permanently. In the end, owning a classic car is a costly hobby, the least of which is insurance costs

For the first time buyer, classic car insurance could seem confusing because there are many different aspects to consider, depending on what type of insurance you want. There are generally seven things a new classic car owner will want to consider when getting insured:

1. Whether or not you want your own personal mechanic to service the classic car.

2. Do you want the insurance to cover what the car is actually worth?

3. Will you be taking the car to shows and car club events?

4. Do you want the insurance to cover possible damage that would occur at these events?

5. Do you want insurance coverage for restorative purposes?

6. Will you drive the car on a semi-regular basis?

7. Will you need coverage for shipping the vehicle to events, and possibly international events?

All of these factors will determine what kind of car insurance is needed for a classic car. A strange thing is more than half of classic cars are actually insured through normal means, and do not use specialty car insurance. The confusing thing is normal car insurance for classic cars tends to carry much higher premiums and are much more strict than specialty car insurance would be.

But, there are certain qualifications a car owner must meet in order to be able to use specialty car insurance on the classic car. These are the qualifications a car owner must meet:

  • Car owner must own at least one regular vehicle.
  • The car may need to be a certain age
  • The car owner may need to be a certain age
  • Some policies have a maximum yearly mileage of 2,500
  • Some cars may only be available for certain activities
  • The car may not be allowed to be driven for commercial purposes

It is possible that if any of these rules are broken the specialty car insurance can be revoked. It is important to note that usually only some of the qualifications above need to be met, it all depends on the exact type of insurance a classic car owner is looking for. When determining what type of insurance is needed, don’t be afraid to ask questions about certain, specific circumstances.

It is also very important to determine what kind of value you want for the classic car: Actual Cash Value, Stated Value or Agreed Value. Actual Cash Value is determined by looking through the price books, which usually offer a depreciated value compared to what the car is actually worth. Stated Value is what the car owner thinks is the worth of the classic car, which is usually closer to the actual value when compared to the Actual Cash Value worth. Many insurance companies offer a Stated Value clause to collectible and classic car insurance policies.