Automobile Blog » car insurance http://www.automobileblog.org All you need to know about Automobile Wed, 21 Dec 2011 17:20:20 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Find insurance to obtain compensation claims http://www.automobileblog.org/car/find-insurance-to-obtain-compensation-claims/ http://www.automobileblog.org/car/find-insurance-to-obtain-compensation-claims/#comments Tue, 06 Dec 2011 17:18:14 +0000 Automobile Blog http://www.automobileblog.org/?p=85 It’s not easy these days to find the right insurance for your car. We have a lot of opportunities online or offline and we don’t know how to find the right insurance.

A few tips to help you out:
1/ Gather information: make a search online for car insurance and get different quotes for your car and find out what kind of compensation claims you can expect
2/ Talk to your friends especially the ones who look for value for money: your friends who look for value for money will be more diligent. They will help you find out the right car insurance for your needs
3/ Be careful with the scams: if it sounds too good to be true, forget it. There is a price range you can expect but it sounds suspicious if you get a 50% discount on what you want
4/ Negotiate negotiate negotiate: when you get a quote ask for more features or a better price. One of the keys of negotiation is ASK ASK ASK! It sounds simple but it’s true

In the end, if you are looking to make compensation claims for a car accident you have had, and you want to discuss things with a professional solicitor then visit www.irwinmitchell.com.

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]]> http://www.automobileblog.org/car/find-insurance-to-obtain-compensation-claims/feed/ 0 Top tips to save money on car insurance http://www.automobileblog.org/car/top-tips-to-save-money-on-car-insurance/ http://www.automobileblog.org/car/top-tips-to-save-money-on-car-insurance/#comments Fri, 11 Feb 2011 15:31:59 +0000 Automobile Blog http://www.automobileblog.org/?p=48 There are two main ways to reduce the cost of car insurance.  One is to remove or reduce as many of the risk factors associated with insuring you to drive as possible.  Car insurance providers calculate your premium based on a risk assessment.  The other method of achieving savings on your premium, and in fact an area that is becoming increasingly important, is the way that you buy your car insurance – here we will take a look at some of these issues.

The Association of British Insurers (ABI) recently published some eye-opening research.  The ABI found that comparing the offers from as few as five different car insurance providers can knock about 35% off the cost of your renewal premium.  This means that you need to shop around each time the renewal date for your policy approaches.  This fact is backed up by some additional research from Consumer Intelligence put out in August 2010.  Consumer Intelligence found that 50% of car insurance customers could save around £185 by switching providers.

The significant sums mentioned mean that this is definitely not an area to be ignored.  Thanks to the rise of comparison websites, the task of shopping around is now easier than ever.  However, this is not the only way that the internet can save you money when it comes to car insurance.

Simply applying online can reduce the cost of your car insurance policy.  Admin costs are lower for the insurer, as much of the process is automated, and some of these savings are passed on to you the customer.  Furthermore, you can now find online what are known as cashback websites, third parties who refer business to car insurers.  These companies are awarded a finder’s fee from the insurance provider, some of which they will share with you as an incentive for putting your business through in this way.  One note of caution is to check the provisions for receiving the cashback, as in many cases the payment will not arrive until some time after the new car insurance policy commences.

Beware of paying for your car insurance in monthly instalments.  It is common practice for the car insurer to in effect offer you a loan to cover the yearly premium payment when a monthly instalment plan is worked out.  Like pretty much all loans, the cost of the instalment plan is then bolstered by interest charges.  Car insurance is a competitive industry however, so a monthly payment plan is not always penalised in this way.  Just make sure that you check the difference between a lump sum annual payment and any alternatives offered.  It often makes sense to use another, cheaper form of credit – like a new 0% on purchases credit card – to make the one off annual payment rather than opting for more expensive instalments.

Other methods such as opting for a higher voluntary excess will also keep the cost of your car insurance premium down, but any savings made have to be carefully balanced against the potential extra cost involved in making a claim.

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]]> http://www.automobileblog.org/car/top-tips-to-save-money-on-car-insurance/feed/ 0 How to find the right car insurance http://www.automobileblog.org/car/how-to-find-the-right-car-insurance/ http://www.automobileblog.org/car/how-to-find-the-right-car-insurance/#comments Sat, 09 Aug 2008 15:55:49 +0000 Automobile Blog http://www.automobileblog.org/?p=26 Anywhere in the world and especially in the United States, to drive your own vehicle, you need to take your own car insurance. Auto Insurance pricing may vary according to the state, age, if you had car accident or not, type of car (small, SUV, truck), how much you use it (short or long trips), for professional or personnal purposes,…

For that matter, it is important to find the right insurer for you: the right price for the right protection. But it may be not that easy to find the right pricing. If you want to get a good car insurance, you need to browse the internet (it may be a long process though…) to find the right car insurer for you. You would be pissed if you realized that you paid $200 more for the same auto insurance, right ?

Never forget that car insurance is key: it helps you financially cover potential auto damages, loss or injuries. They usually offer good protection if you injured someone in a car accident. This could potentially costs you thousands of dollars. It could be the same if you get injured.

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