Free Online Auto Insurance Quotes at Your Fingertips

It has been a long day. You worked hard. You would like nothing better than to put your feet up in front of the television and relax with a cold beer in hand. But, you remember that your auto insurance policy is about to expire and you want to find a new company to cover your car. Hurray for the Internet. Gone are the days when you had to go in person to an insurance office during business hours and talk to a living, breathing human being.

Now at the click of a mouse, you can access all the information you need to make an informed decision about what type of coverage suits your needs based on your unique circumstances. Welcome to the world of online insurance quotes. It is here to stay. Why be inconvenienced by leaving your home or workstation when all you need is Internet access and a few minutes?
You can shower, prepare a gourmet meal, make E*trades and increase your stock portfolio all while obtaining online insurance quotes thanks to the convenience of the Internet. More convenient than searching through the yellow pages under insurance and then calling each one and being on hold while waiting for a customer service rep to get you in their queue. More convenient than physically driving around from company to company and speaking with someone face to face. Think of all the time that is saved by being able to click, type, print and go about your business.

Cheap auto insurance for Students

Are you looking cheap auto insurance for students? Do you know things which need to be taken care before buying cheap auto insurance for students? We help you find and compare best rates of auto insurance.

Students often find difficult to choose cheap auto insurance from their monthly budget, Because of low income being as student and need to meet high expense of auto insurance, obviously it’s difficult to find cheap auto insurance online.

There are few things we should keep in mind to buy cheap auto insurance for students

• Increase the coverage: Getting auto insurance quotes for the minimum coverage and experiment by increasing the coverage until you reach out your budget would be the valuable tip for students to get cheap auto insurance.
• Student Discount: if you are a scholar, average student and have at least “B” grade then most of the online auto insurance companies will give you a good student discount which will surely help you.
• Additional discount: If you have more than one vehicle lists your other vehicle in to the same auto insurance policy to get multi-car discount. List one of your vehicles as low mileage vehicle if you do not drive too often to get cheaper auto insurance rates.
• Reducing your billing fee: Allow the insurance company to automatically withdraw your monthly payment from your bank account to reduce you billing fee which turns lowers your payment by as much as ten dollars a month, or if you can afford to pay full six month or year policy payment would be great option.
• Liability Coverage: In search of getting cheap auto insurance rates available online will often lead you with minimum coverage, that is liability coverage which only provide coverage to other’s bodily injury and property damage you are liable for. Liability coverage does not provide coverage for your vehicles or your medical injury.

Find Cheap Car Insurance With The Help Of The Internet

As a car owner, it is important that you have a car insurance policy for coverage in case of an accident. You are no longer required to run around looking for cheap car insurance as this
can be easily done through the internet.

There are many options of auto insurance companies available to you if you want to find the best insurance policy for your car. With so many companies to choose from, it is advisable that you
try to find out as much as possible about every company you come across before you make your final decision. However, you should be wary that there are some scam companies around that will try to get you to buy fake policies.

You can use the internet to differentiate these scam companies from the genuine insurance companies. The safest thing to do is to get a policy from one of the well-established insurance
companies. At the websites of these companies, you can find testimonials from past customers that will give you a better idea about the services provided by the companies. In fact, if
you have the time and patience, you can also visit or call these customers to find out more about the company you are interested in and the type of services it offers. If they are happy with
the services, you can be sure that you will be a satisfied customer as well.

By now, you will have narrowed down your search for the right car insurance company to just a few companies, and you can start requesting quotes from these companies. You can easily get your auto insurance quotes through the internet just by filling and
submitting online insurance quote forms. In just a short while, you will get the insurance quotes you want, and you can compare the rates to find out which auto insurance company offers you
the best auto insurance policy.

You can make requests for your insurance quotes from as many insurance companies as you like. You can also ask for as many
quotes you want from a single company. After providing some basic information like your car model and age, you will be sent the auto insurance quotes you requested for. With all the
information you gather, it is easy for you to find the automobile insurance policy that best suits your budget and insurance needs.

Choosing the right insurance company is not the end of the search. You have to ensure that the policy provides the coverage you are looking for. One important protection you need in the
insurance policy is coverage for damage where any expenses related to damages on the other vehicle and public property is covered by the company. It is a very wise decision to opt for
this coverage because the costs of property and vehicle repair are increasing rather rapidly these days.

The coverage for damages inflicted on your property during an accident is called physical damage coverage. With this coverage in your car insurance policy, you need not worry if your car gets damaged because of vandalism, theft or collision, as all
the restoration bills will be covered by the company. Some companies also provide protection for other vehicles that are damaged because of collision. Do not take this coverage for granted; you should read the terms and conditions of the insurance policy carefully, so that you will know the extent of coverage offered by the auto policies.

Basically, you should get a standard auto policy that comes with auto coverage. With this coverage, the insurance company will be responsible for all body, property and vehicular damages that resulted from accidents. The car that is protected by this kind of coverage is regarded as a covered auto.

It is important that you get cheap car insurance right cover that provides you with other types of coverage like collision coverage and injury coverage. This is to ensure that all bills pertaining to damages to property and people involved in the accident are covered by the insurance company.

You have to bear all these points in mind when you are trying to find cheap car insurance policies that will give you the protection and coverage you need.

Car Insurance Best Deal To Protect Cars

One of the vehicles that is liked world over are cars. Those hugely useful machines that prove their relevance on several fronts. For starters they relieve people from spending long, irritating hours waiting for busses or taxis. It also relives people from jostling for seat in an over crowded place. No wonder they have always been on top of the wish list of people
since ages. However, there is one draw back of cars as well. Their price. It is because of this that for a majority section of people owning a car is a dream that can be fulfilled only if
they opt for loans. And if the car faces some damage then one can well find himself in a soup for paying on two fronts - on the repair of the car as well as on the repayment of loans - tad
difficult. Particularly if they happen to belong to the middle class strata of society. It is to help all such people that carinsurance was devised.

It ensures that in case of any damage car owners are spared from the difficulty of arranging money for the repair of the car as insurance companies do that for their clients. A lovely service for it ensures that people don’t face any difficulty at such a
critical time and their life goes on as usual.

However, to gain from car insurance people would do well to take care of a few points. Firstly people must ensure that the policy comes to life as soon as it is signed. People should also ensure that they provide no wrong information to the insurance companies as well as the fact that there is no default on monthly premiums.

Efforts like these would ensure that car insurance help people get that ultimate security cover for their cars.

How To Get Cheap Auto Insurance For New Driver

If you just purchased your first car, then you are probably in
need of auto insurance. You will want to arm yourself with
knowledge about the different types of insurance as well as the
different insurance companies. You will want to find a company
and policy that fits your personal needs without breaking your
budget.

With today’s technology, you don’t have to go from insurance
office to insurance office. Instead, you can quotes online. The
quotes are available from both online companies, as well as
local companies.

When purchasing first time auto insurance, you will want to
decide what exactly you need from the insurance. You will need
to figure out how much insurance you truly need. In order to
come up with this information, you will need to figure in your
overall income and assets, current debt, how many dependents you
currently have and the make and model of the car you are looking
for insurance coverage for. In order to figure out your needs,
you can either meet with an experienced insurance broker or use
an online worksheet to assist you.

Many websites offer policy information from a variety of
different auto insurance companies. You can fill out one online
form and receive insurance quotes from several different
companies. Then, you will need to closely review what they are
offering and their costs. In many instances, premiums vary from
company to company. You will want to closely look over the
different policies, so you will have a full understanding what
each company is offering you for the quote they have given.

When looking at a policy, make sure you have accurate answers to
the following questions:

1. Who exactly is covered under the policy?

2. Are there any exclusions or limitations with the policy?

3. When does the coverage begin and end?

4. What is the exact cost of the coverage?

5. How is a claim filed?

When asking about the total cost of the policy you want to make
sure they have included all of their processing fees, premiums
and any other fees that may be applicable. You will also want to
know how the policy changes should you get married or divorced,
move or change vehicles.

Purchasing your first insurance policy can be extremely scary.
However, if you remain calm and do some simple research, the
overall process can be a lot less stressful. Make sure you do
not simply purchase insurance from the first company you come
across. Instead, shop around and see what a variety of different
companies offer. When comparing companies, make sure you are
comparing similar policies, so you will have an accurate
understanding of the differences in prices.

Stepwise Approach To Get Cheap Car Insurance

A number of car owners have not yet tried cheap car insurance
and they are missing a lot of benefits. A car owner, in one way
or another, will be encountering troubles with the high cost of
regular auto insurance premiums. This is where the greatest
advantage of cheap auto insurance comes in. So, how do you take
hold of cheap car insurance? Well, the steps are simple but will
require some thinking and patience. Here are some the most
important tips on how you can get cheap car insurance.

First, take pains in comparing policies offered by several auto
insurance companies.

Though the essential features of auto insurance companies are
more almost the same, there would still be some discrepancies
and differences. And in these differences the crucial factor
lies in terms of how you could find cheap car insurance.

Some auto insurance companies will offer comprehensive or
limited coverage while some other companies will have policies
that depend on how many persons will be using the car or for
what purpose the car will be utilized under normal
circumstances. Generally, a car used to take children to and
from the school and one used to and from the office will be
taken into consideration.

Second, look for companies that give due consideration to
anti-theft devices installed in your car. There are insurance
companies that will be willing to give you cheap car insurance
if your car has these devices installed. In connection, there
are insurance companies that also take into account the nature
of the neighborhood where you live in. This is usually in line
with the crime rate of the location. The higher the crime rate
the higher the premium.

Third, try considering offers made by independent car insurance
agents but make sure that they have authority and sufficient
credibility to deal with these matters. Every State generally
has its own set of rules in relation to car insurance policies.
There are quite a number of States that make auto insurance
mandatory. That is definitely not a problem among rich citizens
but for middle class citizens it is important to look for cheap
car insurance in terms of coverage, premiums and reliability.

Fourth, discover possibilities of accessing relevant data
regarding various auto insurance companies. You may have access
from these companies’ official websites or offices. While
visiting their branch offices is feasible, doing it is generally
not practical because that will consume lots of time and effort.
In this regard, surfing the Internet is more advantageous.

Finally, please make some notes about your findings. This will
help you remember offers and rates more conveniently and
accurately when you are ready to make your decision. As a
conclusion, getting cheap car insurance is really a matter of
being procedural and patient. It does not really mean that you
have to buy policy from established and big companies, although
that is usually advised. The more important consideration is
whether or not the company will be able to pay you and answer
for the expenses when the time comes.

Don’t be Silly, Shop for Car Insurance Online

Why act silly and shop for car insurance with the help of a broker? Even more so, you are making a big mistake if you decide to buy car insurance by calling an agent direct on the phone. There is a lot of opportunity to get the right car insurance policy on your own, but only if you know what you are doing.

A lot of consumers are afraid to shop for car insurance on their own via the internet. They have heard the stories of many mistakes and consumers who are paying more than they should. And while there is a chance that you could make a major error and end up in a worse position, this is not something that should slow you down. There is no reason to believe that you, a smart consumer, would make these common errors when shopping online. There are a lot of ways that you can buy car insurance, and as of late there is none better than the internet which offers the ability to research and shop without wasting time.

Will you feel lonely? So many consumers will not shop for car insurance on their own because they don’t want to feel like they are truly “on their own.” Remember, just because you are shopping for car insurance via the internet does not mean that you will never speak with a live person. Once you choose the policy that you want to buy, you may want to give the company a call to get everything in place. Also, you always have the chance to cut ties with the internet and directly contact a car insurance company if you are running into issues.

If you shop for car insurance on your own you will be pleasantly surprised at what this offers. Don’t be silly, you are a smart consumer. And smart consumers shop for car insurance online.

An Easy way to Better Car Insurance

There is an easy way that you can get better car insurance. Believe it or not, many people do not like the car insurance that they currently have in place. But instead of doing anything about it, they keep things the same month after month. Why pay for something that you do not like? This is a waste of money. With a few simple changes you can easily find yourself with a better car insurance policy and less stress in your life.

So what is the magic formula for finding better car insurance? It is no secret: you need to obtain multiple quotes. In other words, if you think that there is something better out there, and there probably is, you need to go find it. And the best way to do this is by obtaining quotes from other companies. Remember, your provider is not the only one around. The car insurance industry is a crowded one.

What do I do with all these quotes? Once you have a list of quotes you can then see what other companies are offering. Do you see a policy with a better price? How about one at the same price with more coverage? You do not have to know a lot about car insurance to be able to compare your coverage to the quotes that you receive. The information is self-explanatory, and all it takes is some time to go over each quote with a fine tooth comb.

The easiest way to find a better car insurance policy is to compare quotes to your current coverage. This is simple on the surface, and you will find that it does not get much more difficult. Soon enough you will know how good your car insurance policy is, and whether or not making a change will be for the better

Canadian Auto Insurance Industry Seeking 40% rates Increase

Canadians beware, the many insurance organizations in the Cold North are pushing for a 40% increase in their insurance rates that has so far been shrugged off by the government. This is the position of the government which has not yet bowed to their pressure, but should they fail to continue bolstering the country’s economy they may not have a choice. The Alberta Automobile Insurance Rate Board is set to begin hearing the case filed by the many insurance groups in Canada which has been capped for quite sometime. They are seeking for the hike for them to continue on delivering the right products to their customers.
The move is being considered but no date is set for a decision by the regulatory body as they move to deliberate more to get all the facts and get them out on the table to make the best decision possible.The increase is being pointed to the fact that mroe vehicles are on the road that has resulted in more soft-tissue injuries resulting in more costs for insurers. People are showing mixed feelings on the matter and are awaiting the result of the regulation body’s decision on the matter. The body is seeking to keep an acceptable level of profitability and protection for consumers which takes time to fully attain.

Compare New York Car Insurance Quotes Today

Are you looking for the best deal on car insurance in New York state? Online resources make it easier than ever to compare prices and to make informed decisions about your insurance needs; several websites provide personalized New York car insurance quotes.

As with so many other important purchases we make in life, the cheapest option may not always be the best. The goal in shopping for a car insurance policy is to make sure you have the protection you need, at a competitive price.

You’ll want to have some basic information handy to get a quote online: your driver’s license number, the exact make and model of each car you want to insure, your Social Security number, and dates and details of any accidents you’ve had in the last few years.

It’s important at this stage to give complete and accurate information to make sure that you get a realistic quote. New York car insurance quotes will generally be based on your age and marital status, the type of car you drive, your driving record, and your credit history. Crime statistics for your area will also be a major factor; New York City residents can expect to be quoted higher premiums than will people who live elsewhere in the state.

A popular way to lower your premiums is to choose a high deductible on Collision or Comprehensive coverage. If you drive an older car with a low book value, you may even choose to forgo Collision or Comprehensive completely, since this coverage is optional in New York State.

You’ll find that New York car insurance quotes are considerably lower for a liability-only policy, but if you choose this option you’ll have to be ready to cover your own expenses if your car is stolen, vandalized, or damaged in an accident where you are at fault.

The legal miniumum required for liability coverage in New York state is Bodily Injury Liability of $25,000 per person or $50,000 per accident, and Property Damage Liability of $10,000. You’ll see this written as 25/50/10 on your New York car insurance quotes. However, choosing a policy that provides higher levels of protection is usually recommended, especially if you have assets to protect.

Cheap Car Insurance: Find Out How To Save Money on Something You Must Have

Decisions, decisions, decisions. People who buy a vehicle always have plenty of decisions to make in regards to their purchase. The fun things are choosing a make, model and color. Options are also exciting. However, there is another decision that is not considered fun to make, but it is very necessary. This decision is securing insurance for the vehicle. The best thing to do is to determine how much the annual insurance premiums will be on a vehicle that you are contemplating purchasing. Annual insurance premiums can range anywhere from what is considered cheap car insurance at slightly over four thousand dollars to over ten thousand dollars.

To get a specific idea of which type of vehicles command the highest annual insurance premiums and which command cheap car insurance, you can look at the table below which details the information. Insurance.com is responsible for the information being made available for review. The table specifies which vehicles in each of the following groups: Passenger Cars, Trucks, Sports Cars, Crossover/SUVs and Vans/Wagons are the most expensive and the cheapest to insure annually. The groups are broken down even further into Large, Midsize and Small classifications.

The following table details the most and least expensive annual premiums in each group:

Group Highest Premiums Cheapest Premiums

Lg. Crossover/SUV: Mercedes-Benz G-Class $2,088 Hyundai Veracruz $977

Midsize Crossover/SUV: Infiniti EX $1,306 Hyundai Santa Fe $832

Small Crossover/SUV: Mazda Tribute Hybrid $ 1,372 Kia Sportage $840

Lrg. Passenger: Audi S8 $2,071 Pontiac Grand Prix $902

Midsize Passenger: Audi S6 $1,571 Subaru Legacy $962

Small Passenger: Volkswagen Eos $1,198 Kia Rio5 $870

Small Sports Car: Dodge Viper convertible $2,580 Mazda MX-5 Miata $1,017

Lrg. Truck: Cadillac Escalade EXT $1,592 GMC Sierra2500HD $1,013

Midsize Truck: Dodge Dakota $1,279 Ford Expl Sport Trac $1,070

Small Truck: Chevrolet Colorado $1,147 Mazda Truck $957

Lrg. Van/Wagon: BMW 5-Series Sports Wagon $1,153 Chevy Uplander $831

A large vehicle such as the Mercedes Benz G-Class Sport Utility Vehicle will cost you over two thousand dollars per year in annual insurance premiums. It is, in fact, one of the most expensive vehicles listed to insure, and is not considered to be cheap car insurance. However, you will shell out even more cash if you choose to be the proud owner of a fast moving sports car called a Dodge Viper convertible. This car commands a hefty annual insurance premium of $2,580.

Audi, surprisingly, will set you back the greatest amount each year in both the large and midsize passenger car categories. The popular Cadillac Escalade EXT, categorized as a truck in this survey, seems almost modestly priced at $ 1,592 per year.

The real bargains of the year come in the large Van/Wagon category. You can drive a new BMW 5-Series Sports Wagon out of the dealer parking lot for a very reasonable $ 1,153. Finally, the cheap car insurance award for the year 2009 goes to the Chevrolet Uplander. At $ 831 per year, the Uplander comes in a full $1,257.00 cheaper every year than the most expensive Mercedes-Benz G-Class SUV.

Saving Money by Finding Cheap Car Insurance

There are so many different insurance companies out there you can always find cheap car insurance if you look around a bit. You might have to have car insurance if you have a car, but you don’t have to pay through the nose for it. Read on to find out more about what you can do in order to get a lower rate on your insurance.

Most companies determine how much they charge you for your insurance based on a number of different factors. Some of these things you have no control over, such as how old you are or what gender you are. There are other factors that you do have some influence over, such as the type of car that you drive and how safely you drive it. If you avoid getting stopped by the police and getting a bad driving record and if you purchase cars that cost less to insure you can get cheap car insurance more easily than if you don’t take these factors into consideration.

Other things that you can ask your insurance agent about when you are trying to find cheap car insurance include the possibility of getting a discounted rate if you switch over any other insurance you might have to the same company. Some insurance companies also reward people for staying with their company for a long time by giving them an additional discount as well.

Insurance Companies Want to Keep Their Customers

You might be able to get cheap car insurance from your current company just by asking about the possibility of getting any other discounts. Some companies give car insurance discounts to people who own their home or who are married, so it never hurts to ask the insurance agent what other discounts the company might offer that you might be able to take advantage of.

Shop Around, Shop Around, Shop Around

For whatever reason, different companies charge different amounts for the same insurance. In order to find cheap car insurance you really need to check with a number of different companies to find out how much they would charge you. You would be amazed at the different prices you are given! This is the best way to find a good deal on anything. You should always do a comparison shop. There are websites available to help you do this quickly and easily without entering the same data over and over.

Ask Around Even if You Have a Great Deal with Your Current Insurance Company

In order to get new customers and retain current customers, insurance companies frequently change the deals that are available for their insurance. This means that even if you get cheap car insurance, after a time you might be able to find an even better deal with another company. From time to time you should get a few new car insurance quotes to see if you might be able to save some money by switching to a different company. Even if you don’t want to switch, you can use that cheaper quote to try to negotiate a better rate with your current company. This little bit of homework could save you a lot of money each year, so it is important to take the time to do it.

free insurance quote

Remember the days of making phone call after phone call to compare insurance rates and the hassle it entailed. How about the days of driving from insurance agent to insurance agent carrying along all the necessary papers just to get a quote in search for the cheapest and most reliable insurance coverage for your automobile. Do you recall the days of having insurance agents visiting your home to give you a quote on your auto insurance but only to listen to hours upon hours of sales pitches trying to get you to insure everything under the moon. Many people may curse modern technology but when it comes to obtaining free insurance quotes, it is a blessing.
The internet now has made obtaining free insurance quotes a quick breeze. In a few minutes you can have the results of free insurance quotes made specifically for you and your exact needs. No more dealing with the yester years of enduring hours of footwork and listening to endless sales pitches on insurances you are not interested in. You receive the same results that long hours of hard used to entail.
The endless phones calls and hours of listening to sales pitches from various companies insurance agents has been substituted with online technology where now with a few key strokes you not only get a free insurance quote, you get quotes from various competing insurance agency, all biding for your business. What does this mean to you; this means you can easily pick who is offering you the best deal for your specific needs. No dealing with an agent trying to sale you insurance you do not need or want.
The benefits of obtaining free insurance quotes online outweigh the endless footwork of yester years tremendously. Not only do you get several insurance agencies biding for your business you have the control of deciding for yourself what you want on your plan. No matter what state you live in, with entering your information of what you desire for your insurance plan, the technology is there to make sure you are covered to your states specific insurance requirements still meeting your specific needs.
For those that are not comfortable yet entirely with the great value of utilizing the benefits of receiving free insurance quotes online, your free quotes comes with a live agency phone number should you have any concerns or questions about the quote. There is no commitment to purchasing any of the free quoted plans, but when you see the great price comparisons, it will be hard to pass up the great saving value.
One can obtain a free insurance quote quickly and easily and tips on how to get the best deal from an insurance agent. For individuals who may be unsure of exactly what is required in their state to be legally insured, we offers great resources and help to make sure you find exactly the plan you need to keep you legal.
Auto Insurance Quotes – Quote Scout helps you find the auto insurance coverage you need at the lowest price. Quote Scout provides consumers with a free, simple, and effective way to shop for insurance. As a leading online marketplace for insurance, Quote Scout works with a combination of local agents, regional and national carriers to ensure that you are provided with a wide variety of responses to your request for a quote.

How to get Auto Insurance Easily in Today’s Times

Getting auto insurance now-a-days has become an easier task than it was. In past years getting auto insurance was very time taking and it involved hectic meeting with insurance agents and scrolling phone books for many hours. Now-a-days, use of the internet has increased the capabilities of consumers getting free auto insurance quotes online. Now looking through the phone book for hours and spending time in meetings has reduced because quotes for auto insurance are available easily on internet. Mostly insurance companies present in nation have given their consumers the independence of searching about insurance products, information about their company and insurance quotes on internet and it is free of cost. It takes very less time to find good insurance companies who offer free and good quotes online and we can apply for it very easily. We can do all this all by sitting simply at home and it can be done very easily with the help of internet. For getting better quotes it is advised to obtain more than one quote for comparison, so that we can get best offer at the most affordable rate. Auto insurance quotes which are available free on internet are of great importance to those who really has a dream of buying their own vehicle which will be their dream ride. The most interesting part of these free car quotes which is available online, is that it saves consumers precious time and money.
Maximum insurance companies provide useful tips on how to choose best vehicle and which policy is best for that particular consumer. They prepare their consumer mentally what he should expect if he has to file a claim. They also provide their consumers insurance guides and also coverage calculating tools that helps their customer his insurance needs. They will definitely suggest best offer tips for saving money on their premiums; Auto insurance quotes which are available online free of cost do not involve consumer in any type of hurdles. When free quotes are available then anyone can decide easily and proceed with simple application procedure. No one will exert pressure on consumer. After getting the quotes consumers can go through them and begin the simple application process on internet.
Whether anyone looking for a cheap and best car insurance rate or buying new car insurance, with the help of free online insurance quotes from the most promising companies present in the market, finding them become easier than it was. So with the help of available free quotes online one can choose best policy and bring its dream ride home.

Car Parts: Backbone of Any Car

One of the vehicles that are hugely liked world over is cars. Perfect utility machines, they contribute handsomely and eradicate quite a few troubles from one's life. Indeed, there cannot be two thoughts about the fact that cars indeed are a multi-utility phenomenon. Not only does it eradicates one's commuting troubles but also adds handsomely to one's status symbol as well. It is extremely surprising and ironical, therefore, that people don't give as much attention to car parts or car accessory that they should be giving. No wonder then that most of the people start complaining about the bad performance of their cars almost as soon as they purchase them.

A few examples would explain the whole point pretty easily. Take the case of car mats. In spite of the fact that they provide extremely important service to the cars yet they are not taken that seriously by people. Imagine a part of the car that saves it from dust and rain and provides cushion to feet thereby making the journey comfortable is not given its rightful due. Nothing can be as baffling!

Similar is the case with spare parts. Such integral car parts but again not given as much attention as is their right. There are times on several occasions when you cannot get the proper silencer or combustion pipes etc. and have to wait for days for them to arrive to get the short coming fixed. Had a careful attention been given to these essential components then situation would not have deteriorated that much.

These points should communicate the point pretty nicely that a careful observation to car accessories or car parts while purchasing cars would go a long way in helping people combat such critical times. All that you need to do is to pay slight attention to these essential components to give that edge to your car.

Contesting a Speeding Ticket

Nothing makes a day go from bad to worse or even from great to bad than getting a speeding ticket. You could be having the best day ever. Get pulled over and get a speeding ticket and your day is ruined. You could be having the worst day of your life. Just when you think it can’t get any worse, you get speeding tickets. Tickets suck. That’s the long and the short of it. Well, what do you do know with that ticket? Were you even speeding? Can you contest the ticket?

Of course, the easiest thing to do is to suck it up and pay the fine. If you follow the directions on the back of the ticket, swallow your pride by writing the check and mailing it in then you are done with it and you never have to think about it again. However, every driver who is issued a ticket has the right to contest that ticket in court if they truly believe it was issued to them wrongly.

The laws are different in every state regarding how speeding tickets are handled. In some states you do have the right to have your ticket reviewed by a judge; this is called "bench trial" and a judge determines your guilt or innocence. In these cases, your decision is dependant upon the judge and what kind of mood he is in. Some judges hate to reduce or dismiss speeding tickets because it is good revenue. In other states, you have the right to a "jury trial" which is when a jury hears the merits behind you receiving the ticket and determines whether or not you have to pay the fine. Few states have developed a traffic division, and you would go directly to that division to contest the speeding ticket.

Most people do not know that you also have the right to inquire about the equipment used in the issuance of your speeding ticket. You can ask when was the last time the radar gun used was reset. Speeding tickets have been dismissed because of the length of time since the guns last reset. It calls into question the accuracy with which the gun determined your own speed.

Regardless of whichever way you choose to contest the ticket, bench trial, jury trial or traffic court, you have the right to appeal your ticket if you believe that you didn’t deserve to receive the ticket or if you believe you should not have to pay it. You would appeal your conviction through the court of appeals. The action you choose to go with is completely up to you.

Some Tips for Insured on Keeping Your Auto Insurance Premium Rates Down

Tips you can use car insurance rates comparison
There are so many ways that you can use to keep your auto insurance rates down and some of them you can use at the same time as other discounts to maximize your savings.


Here are some things that you can ask your auto insurance company for:

- Ask if you can receive a discount if you have more than one type of insurance with their company. For instance, you may find that you can have your auto insurance and your homeowner’s insurance with this company and they will provide you with a combined discount. Carry all of your insurance policies with them, such as auto, home, and life and you may find that you can get even more money off.

- If the driver of the car is a student or is listed as a driver on the car, you may find that you can get a good student discount. This is where the student maintains at least a B average on their report card. You may be required to take that report card to the automobile insurance company each time it comes out, but it really pays off. If grades go down, the discount may disappear until the grades go back up.

- See if there are any safe driver discounts available. When you haven’t had a ticket or an accident, you may find that there are discounts available for you.

- If you are a senior citizen and you’ve not had any accidents in a specific amount of time, there may be discounts available to you.

- You can always raise your deductible to cheaper car insurance premium online from auto insurer. However, you need to keep in mind that doing so will result in a higher out-of-pocket expense if an accident does occur. The standard deductible is $500, but some individuals will go as high as $2,000 to save some money on their premium. If you can pay $2,000 if an accident occurs, then that will work fine. Just make sure your deductible is not higher than what you can afford in case damage is done to your car and you need to pay it.

- You may wish to shop around. You may find a company that offers the same coverage for a lower price. You always want to compare before you make a commitment.

You want to use all of these tips so that you can save yourself quite a bit of money.
How you can compare auto insurance quotes online?

When finding the right company to do business with, it is very important that you compare. You can do this by calling companies and recording the different rates that they quote you. You can also do this by going to their websites and filling out the forms on their websites to receive quotes for the auto insurance you want. This allows you to compare in a much easier way. Take all of that information and make an informed decision.

How To Get Your Vehicle Ready For A Trip On The Road

If you're going on a trip and driving your vehicle, keep in mind there are some preliminary things that should be done, especially if you're driving several hundreds of miles. This will help you to escape the problems that arise if you don't get your vehicle checked out beforehand.

Take your vehicle to your mechanic to find out what may need to be done. You should start this at least a month to two months prior to your trip. This is when any major repairs should be taken care of. Having this done a month or two before time gives you a chance to correct any additional issues related to the repair(s).

Make sure your tires are inflated properly and that they have enough pressure. Your tires can blow out while you're driving if they don't have enough pressure in them. Checking the tire treads is important. This is another way your tires can experience a blowout.

The way to check this is to put a penny between the tire's grooves. On the penny, the head of Abraham Lincoln should be pointing downward. If the space above Lincoln's head is visible or you can see the words "In God We Trust", new tires are needed. Your spare tire should be inflated and the tools should be available in the event you'll need to use it.

The vehicle's manual should be in the glove compartment. You will need that in the event the vehicle experiences trouble on the road. If you don't have one, check the manufacturer's website to see if they have one in PDF format. With technology as it is, it wouldn't be surprising if they did. At least you wouldn't have to wait weeks to get a replacement.
Any minor maintenance such as oil changes can be done a week prior to your trip. You should also check your tires again for pressure and tread efficiency. If there are any abnormalities that weren't there before, take it to your mechanic for a look.

You should have a clean air filter in your vehicles. If it's not clean, it will affect your vehicle's mileage and suck up gas. This means you will have to stop for gas more often for your vehicle. You will definitely need to change the filter if it's been in the vehicle over 12,000 miles.

Remove any items from your vehicle that you won't need for the trip. This will give more room to the items that you will need or are planning to take. You should have a clean vehicle before you leave. Take an hour or two to clean and vacuum the inside.

Have a map or if you have a newer vehicle, consider getting a GPS (Global Positioning System). This will help you get to your destination without getting lost. It would be advantageous for you to fill up the tank before you leave. When you get on the road, nine times out of ten, you will pay more for gas outside of your area.

Make sure that you have packed everything you need for your trip. More importantly, make sure you have your toiletries and prescribed medicines. Check through your suitcases and garment bags. It's not good to overload your vehicle with a lot of stuff.

Top Advantages to Buying Car Insurance Online

It is very important to research all of the many car insurance companies available to make sure that you get the best rates and best coverage. Car insurance is critical to keeping you and your family protected against injuries and accidents. In fact, now you can buy car insurance online.

There are many independent websites that can assist you in choosing the right coverage at an affordable rate. By using one of these companies, you know that you will get unbiased results because they do not partner with specific companies.
There are quite of few great websites on the web that give the user a friendly visit. They offer features such as compared rates to other insurance companies that can help you make your decision based on the lowest rates. They also will allow you the feature to purchasing them online
Others, you can submit a claim online, and they have a program that can help you quickly repair the damaged vehicle. With this program, you will be driving your car again in no time. By choosing one of their mechanic shops, they can speed up the repair time.
There are so many different companies that you can use to buy car insurance online. By receiving free quotes from several of these companies, you can do some easy comparison shopping to choose the company that is right for you. Comparison shopping is critical to finding a good reliable company.

The most important thing for a driver is to be insured. By insuring yourself, you protect you, your financial health, and those family and friends that are riding with you.
Article Source: http://www.articlesbase.com/cars-articles/top-advantages-to-buying-car-insurance-online-321650.html

Little Rock auto insurance. The basics to get a discount option.

You may have the check ready for your Little Rock auto insurance policy, but before you actually sign on the dotted line, it would be advisable that you first consider the prerequisites. Your top priority should be to decide on the type of auto insurance coverage you need.

After this, you need to search for the right auto insurance policy, one that does not charge you high premiums, but still manages to provide appropriate cover against potential risks. You can achieve that by requesting online quotes from multiple auto insurance firms and carrying out a comparison analysis. You can then choose the one that offers the most benefits.

When assessing your auto insurance coverage needs, you should always remember to consider prerequisites such as making a rough estimate of the potential risks and liabilities. It will help you choose the right Little Rock auto insurance policy, one that covers most of the commonly identifiable risks such as physical injury and property damage.

Another important prerequisite is that you need to make sure that your insurance coverage is more than the bare minimum required by law. You will certainly benefit because you will remain protected from virtually all types of potential risks and will never have to pay even a penny from your bank account. Everything will be taken care of by your insurance company.

Choosing the right Little Rock auto insurance policy is a prerequisite for ensuring adequate protection for your car and your monetary interests. Once you have done that, you will never have to worry about things like dealing with a technical malfunction, property damage and personal injury claims, or loss of income. To be able to choose the right auto insurance policy, you may have to read through the fine print and understand the specified terms and conditions. It is only then you will know what all factors can make or break your chances of getting the required approval for your auto insurance claims. Getting little rock car insurance quotes online is easy, because there are several companies offering this service by asking you for your zipcode.

Deciding on the premium rates that you can afford is another important prerequisite, but it is advisable that you consider other factors as well before finalizing your auto insurance policy. What we would recommend is that you first ensure a proper safety net for your vehicle and then only start thinking about reducing costs. Dial some of the toll-free number of Little Rock auto insurance companies today itself and see if they have something that suits your requirements.

While doing so, do not forget to negotiate because there is always a chance that you might get lucky and get the desired offers from auto insurance companies.

Auto Insurance Rates - How To Save

During these tough times everyone is looking to save a dollar, and there are ways to save on your auto insurance as well. In addition to shopping around for the best auto insurance rates, there are a few tips you may not know to save you a lot of money. The article “Saving your green: How to save money on auto, car or truck insurance” by Evelyn Kanter on examiner.com shares some of these tips

1. If you have an older car, consider dropping collision
2. Buy your home and auto insurance policies separately or at least get two separate quotes to compare
3. Be sure you have sufficient coverage in case of a major accident otherwise it could cost you big in the long run
4. Look for companies that offer discounts for hybrid cars if you are driving one
5. Consider paying a small claim yourself instead of contacting your insurance company
6. Avoid purchasing exotic sports cars or cars perceived as unsafe

Although all these tips may not save you money, it’s important that you are educated in how your rates are determined so you can be the informed consumer. An informed consumer is often times a richer consumer. Now more than ever we need to be looking for every little way we can save money.

Westfield Insurance Added To Auto Insurance Directory

Westfield Insurance has been added to the smartautoinsurance auto insurance directory.

Also underneath the Westfield Group umbrella are: American Select Insurance Company, Old Guard Insurance Company, Westfield National Insurance Company, and Old Farmer’s Insurance Company.

Auto Insurance Rates - Speeding

We all know that traffic violations have a negative impact on your auto insurance rates. The Insurance Institute for Highway Safety (IIHS) has released a map which shows maximum speed limits in each state.

If you are traveleing intrastate for vacation this usmmer you should familiarize yourself with the maximum speed limits in the states for which you will be driving through. One of the easiest ways to keep your auto insurance premiums down is to make sure you have a clean driving record.

You can visit this url directly to view these speed limit maximums on a state by state basis. http://www.iihs.org/laws/mapmaxspeedonruralinterstates.aspx

New Jersey Auto Insurance: Quotes for Cash

According to a press release on marketwatch.com from the School Teachers’ Insurance Plan of NJ, 2 graduating students from Toms River High School were awarded $1,000 scholarships as part of the New Jersey Auto Insurance program “Quotes for Cash”.

The Toms River School District was one of the first to partner with the Teachers’ Insurance Plan of NJ for the Quotes for Cash program. They have received teacher grants, donations and scholarships in the past few years. The partnership between the school district and the company is strong.

The Quotes for Cash program donates money into a fund each time an employee of the school district gets auto insurance quotes through New Jersey Auto Insurance with Teachers’ Insurance Plan of NJ. The program was created in 2007 and since then has raised over $50,000 for locals schools. Teachers’ Auto Insurance Company of NJ offers auto insurance only to active and retired faculty and staff of NJ licensed educational facilities.

Wisconsin Auto Insurance Bill

According to the article “Insurer Groups at Odd with Proposed Wisconsin Auto Insurance Bill” on insurancejournal.com, Wisconsin lawmakers have proposed legislation that would increase Wisconsin auto insurance rates for low and middle income auto insurance customers. This information is according to the National Association of Mutual Insurance Companies and the Property Casualty Insurers Association of America.

Twenty to twenty-five percent of all insured drivers in WI would be negatively affected by this new Wisconsin auto insurance provision which is in Governor Doyle’s budget. The initiative includes increasing the required per-person injury limit 4 times the current level by raising personal auto insurance financial responsibility limits, increasing the minimum on medical payments to $100k and also making UM coverage and UIM coverage mandatory at 100/300 limits.

PCI shows that low and middle income insurance customers in the west, southwest, north and east central counties of WI would have the highest percentage increase in their liability premiums. Milwaukee would receive the highest dollar increase.

Auto Insurance Rates and Humor

New York Auto Insurance consumers have a new option to save some money. According to the article “Humorous Online Course Helps Curb Auto Insurance Rates” by Gary Alexander on bignewsbiz.com, NY is offering an online defensive driver course that uses humor to help teach car safety skills. It’s completed entirely online and no need for a physical exam.

Drivers who complete the course receive a 10%, 3 year discount on their auto insurance rates and quality for a 4 point reduction on their driving record. The average auto insurance premium in NY is $2,456 a year so this could add up to over $700 in savings.

This is the only course that uses humor to get across its message. It is approved by the New York State DMV and is one of the only courses that has been proven to reduce traffic violations and accidents. This is according to an efficacy study of Basic Driver Improvement courses in FL which was conducted by the Dept of Highway Safety and Motor Vehicles. The program is called Improv Aware Driver created in partnership with the Improv Comedy Club. It’s offered by National Point and Insurance Reduction Course.

California Auto Insurance - Pay As You Drive

By the end of the year California auto insurance may have a new option for their drivers. According to the article “Pay-as-you-drive auto policies could become an option by year’s end” in the LA Times by Marc Lifsher, paying by the mile may be a reality.

Much like cellphone users have started to purchase talk time per minute, drivers could start buying their auto insurance by the mile. Regulations proposed Friday by state Insurance Commissioner Steve Poizner, auto insurance companies would be allowed to offer pay as you drive which would lower insurance bills by keeping drivers from behind the wheel.

There are other possible benefits from such a pay structure. Less cars would be on the road to potentially curb traffic jams and gloabal warming. There would be less greenhouse gasses emitted into the atmosphere over time. No one would be forced to take advantage of the pay as you drive option, so drivers with long commutes to work or drivers who travel a lot may find it cheaper to stick with the conventional auto insurance ploicy.

Alberta Liberals on auto insurance

In 2003, Alberta Liberal leader Kevin Taft released a policy on auto insurance calling for public insurance based on the British Columbia model (ie, not no-fault). The Liberals campaigned on that position.

In 2008, the Liberals changed their policy somewhat, claiming they would ‘review’ public insurance as one of several options for the province.

In today’s Edmonton Journal, the Liberal position seems to have changed again. David Swann used reacted to the court decision upholding the cap on soft tissue injury claims to call for public auto insurance.

I support public insurance. I think it’s worked in other provinces. But given their history on this issue over the last few years, I’m not sure the Liberal position is something anyone can take to the bank.

Auto Insurance Company's Study Finds Under 30s Using iPods While Driving, Increasing Risk

A press release from the Australian auto insurance company NRMA Insurance about a recent research study finds that nearly half of all drivers under 30 use mp3 players, such as iPods, while driving.

The insurer claims that searching for songs or adjusting playlists can make the devices more distracting than a CD player or radio. NRMA recommends creating playlists beforehand, so you're focused on the road instead of on choosing tracks.

Worst of all, 17% actually wear headphones when they're driving! Doing so makes it extremely likely that they won't hear traffic signals or even emergency sirens. Being distracted for as little as one second can result in a car accident causing bodily injury, death, and/or skyrocketing auto insurance premiums.

Although the research was done in Australia, I would expect these statistics to be similar in the United States and other similar cultures, given the general risk-taking of many young drivers worldwide.

Stupid Car Accident - Should I Report the Claim?

There is no stupid car accident out there. They happen all the time. Yet, thousands of people decline to file an insurance claim because they feel embarrassed. People also know that filing a claim that is of “lower” amount will only increase their rates. They decide that it is better to pay out of pocket and call it good.

Is this a good approach? The reasoning is definitely sound. However, there are certain things you should be aware before making this decision.

You have an affirmative duty to report a loss to your insurance company. It does not matter that it is a “stupid car accident” or one with minimal damages. Your insurance policy spells out your duty to call in and report what happened. You only have “a reasonable” time to call in. What is a reasonable time? That is up to debate, but more than twelve months will probably leave you with no coverage.

The repercussions of not filing a claim are severe. The insurance company can decline payment for your damages or damages to any third party making claims against you. If you backed up into your garage door, then you are safe. However, if you hit a pole, the pole owner can come back and suit you two years later (depending the statute of limitations in your state). If you were more concern with you own vehicle and declined to at least call the insurance company, then you will have to provide for you own defense.

Does this happen? Yes it does! People will try to sue you if they think they can get 5 bucks. Not reporting a stupid car accident can end up costing you a bundle in attorney fees.

In reality the “pole” damage is not a very big concern. However, if you touch another vehicle, then you could have a claim for bodily injuries. It could be from the person in the other vehicle or even your own passenger. It does not matter that the lawsuit is ludicrous. You will have to defend yourself. Hiring an attorney is not cheap, and if you failed to call in the claim, then the insurance company will not provide a defense for you.

Do you think there are frivolous lawsuits out there? Yep, everyday, and it just seems like there are attorneys willing to sue just about everyone. Do not become their victim for a “stupid car accident”, report the claim.

Most of the time calling your agent is not enough. Make sure you call the actual insurance company claims department. Some agents never get around filing a claim. They believe that the claim not a big deal and never file. If this occurs, the insurance company could still decline to defend you and you would have to go after the agents’ Error and Omissions insurance policy (a big pain you know where).

Be aware of some agents out there. Most of them are very good and very honest, but there are some that will lie to sell you a policy or to discourage your form filing a claim. Insurance agents get their cut by selling insurance policies. They also get extra incentives by selling policies that result in no claims. The agent has vested interest in discouraging you from filling that stupid car accident.

You can always call the insurance company and report the claim to protect your coverage. Then you can tell them that you will deal the claim yourself. If you truly have a stupid car accident, then your claim adjuster will note the claim and then close your file. Now you will be fully protected even if a frivolous lawsuit ever arises against you.

More Than One Car? Then You Could Be Considered A Safer Driver And Get Cheaper Motor Cover

There are many circumstances that could lead to you getting cheaper motor cover - for example older drivers, women drivers and those having taken extra safety lessons - and now it seems if you own more than one car in your family then you are classed as a safer driver too and this could get you cheaper motor insurance.

New research has revealed that those who own more than one car are less likely to have an accident than those who own just one car. As statistics of safety on the road lead to fewer claims and fewer claims lead to cheaper motor cover, two car families could reap the benefits. There are currently over seven million households in the UK alone that boast having more than one car and out of 200,000 accident claims which were looked at during research, those with more than one car were 22% less likely to be in an accident.

It is thought one of the reasons why those households with more than one car have a safer record is because they have paid out more for their cars than a single household has and so they protect them more by being careful on the road. They also tend to park them in a garage more than single car holders and install advanced security features on the cars which also go a long way to keeping the car safer. Households that own two or more cars are often older drivers and families whose children have grown up which can already benefit from older driver insurance and of course no claims benefit.

Of course this does not mean that you have to rush out and buy a second car in order to be able to benefit from cheaper motor insurance. There are other ways that you can benefit and one of the best ways to find the information and advice on how to cut your premiums down is to go online to a specialist broker. A specialist broker will offer free advice on many ways of cutting down the cost of your insurance (up the security on your vehicle, for example) and find you the best car insurance deals along with making sure the key facts are attached so you can compare them.

A specialist will be able to search the entire marketplace for the cheapest premiums and the best available cover based on the information you give them. It is essential that you are honest when it comes to preparing for motor cover as there are exclusions in all policies which mean you might not be eligible to make a claim. The exclusions can be found in the small print and the key facts should be made available so you can determine if the policy is suitable. It will also point out how much in total the insurance will cost, what is and is not included in the cover and the amount of excess that you will have to pay before you can claim on the policy.

Important Things To Remember When Purchasing Cheap Auto Insurance

Introduction

It is a fact that buying cheap auto insurance has changed a lot from how things were in the past. Getting cheap insurance use to be an easy task, however, with many factors at work in today’s world, finding cheap insurance alternative has become rather complicated. More drivers, an unstable economy, and more costly repairs, have all made the option of finding cheap car insurance more difficult than ever before.

Thanks to technology, however, finding affordable insurance coverage can still be done, and with three simple steps. Now you can find an insurance policy that could save you a considerable amount of money.

Step One - Coverage: Is what you want what you actually need?

Remember, just because you want cheap auto insurance quotes doesn’t necessarily mean that you have to get the lowest coverage around. We say “cheap” but what we really mean is quality coverage for an affordable price. Additionally, sometimes, drivers are compelled to take on various types of coverage. If you are financing your auto purchase, for example, the lender will always require that you buy a policy with comprehensive and collision coverage.

Step Two - Quotes

The first thing you should do is to get competitive quotes from multiple agents. Nowadays, quotes are delivered to you instantly so that you can review the offers at your leisure and make the best choice for your coverage. Once you have the quotes in front of you, and you have a pretty good idea what coverage you need; you can easily begin to compare and quickly decide which one is right for you.

One of the downsides to getting multiple quotes in the past was having to repeatedly fill out forms with the same information over and over again. With an online free quote tool, you will only have to fill out this basic information once, saving you a lot of time and frustration.

There are many benefits to using a free quote tool. Your current insurance carrier is not going to inform you of how they stack up to other insurance companies; unfortunately, there are not required to either. However, you as a consumer can check up on current rates as often as you would like. In addition, you can also check the reputation of the companies that submit quotes for your car insurance needs.

Here’s a bonus tip for the future that can save you hundreds of dollars: You should compare your rates and policy limits every two years. It’s almost frightening how fast things change in the insurance industry. By checking every two years, you give yourself the opportunity of taking advantage of new or special lower rates as well as new discounts.

Step Three - Discount: You have the advantage

There is a plethora of different discounts available. Everything from your driving record and credit score to whether you are in school or not and everything else in between can determine what sort of discount you are eligible for. It is worth noting that not all insurance companies offer the same discounts, which is why you should check the various insurers as to which discounts they offer. Another discount is obtained by combining multiple plans.

To ensure a better premium rate take a defensive driver course and choose a higher deductable when you are choosing your coverage, and combine services whenever possible (some companies offer health, life, auto, and homeowner’s insurance, combine as much as possible for a stronger discount). Check online and make sure you understand how much coverage you should carry on your vehicle based on age, wear and tear, etc. You want to get value for your money.

Conclusion

Cheap auto insurance can be hard to come by-but there usually are companies out there willing to insure you. Cheap auto insurance is available to you, if you will put some effort into taking advantage of every discount available. If you put these three steps into action, cheap auto insurance is, literally just a few clicks away.

Car Insurance Legal Expense Cover : The Policy Essential

Like many people buying car insurance, you shop around and buy online. You’ve found a really good, cost-efficient deal. So when it comes to the final checkout, do you choose to tick Yes or No in that Legal Expenses Cover box? It will add a little more to the total, and it’s not an absolute requirement, so you may be tempted to leave it out. Not least because it’s definitely not the most well-known part of insurance! It is, however, something we think you really should consider adding if it’s not in the policy as standard. And here’s an example of why:
Earlier in the year Jake, one of our freelance writers, was involved in a car accident. His Golf Mark I is his pride and joy, and he’s spent many happy weekends working on it. So naturally, he wanted total insurance coverage for every eventuality – even legal expenses.
This certainly proved to be the right decision after the accident. The car was hit from the rear, so some of the vehicle damage could be fixed. The insurance company worked fast to deal with the claim. Unfortunately, Jake also suffered a broken wrist and some whiplash. If he hadn’t taken legal expenses cover, the bill for a solicitor to pursue his compensation claim would have been solely his responsibility. Fortunately, since he had the cover, Jake was able to get his compensation quickly. Working as a freelance writer, Jake doesn’t have the safety net of employer sick pay. Lost hours mean lost money. Jake was out of work for a month – and a month’s wages. With legal expenses cover, however, Jake was able to claim for loss of earnings and will receive compensation for them any day now.
The total cost of this peace of mind and earnings security? An extra £2 a month on his premium, surely a worthwhile investment for anyone’s money!
Fully comprehensive car insurance ensures that your vehicle is well taken care of, but how about the driver? Jake’s accident was not his fault, but he had to spend a month off work. Without legal expenses cover, the cost of getting compensation would have fallen to him. With it, he was as well protected as his beloved car, and didn’t have to worry about being able to afford to make a claim.
Take another example of a typical accident: you are unharmed, but your car has to wait in the repair shop for two weeks while parts come in. Without replacement car hire as part of your insurance deal, you will have to rely on public transport – not the reason you bought your own vehicle! With legal expense cover, you can use a hire car and know that your trouble and inconvenience will be compensated.
All you need to do when you claim on your legal expenses policy is to provide the accident details in the same way you normally would – all the paperwork will be taken care of for you. It’s possible that you may need to speak to your solicitor, or appear in the stand in the event of the case going to court, but you won’t ever have to pay any legal fees.
And the cost is low, sometimes even free. Admiral include it as standard. Most insurers do make a charge, but it averages around £20 a year – for example, More Than charge £17.85, and Budget add an extra £24. Consider the legal battles that have resulted from accident claims in the past – especially those where serious injuries and claims were involved. Compensation – and costs – can run into millions. No-one can doubt that in cases like these, legal expenses cover is a worthwhile addition to any policy.
So next time you buy car insurance, make sure your policy includes legal expenses cover. Take it as an extra if it’s not part of the standard package. You’ll barely notice the extra cost, but you’ll certainly be aware of the benefits if you ever need it.