AUTO CAR INSURANCE

BEST CAR INSURANCE - If you have any type of car and are searching for the best type of car insurance, what you have to remember is that there is absolutely nothing that exists such as the best car insurance. Although there might be thousands of insurance companies that are available on the internet, what you have to remember is that every insurance is not capable of providing a package that is best suited to the needs and desires of every user. Considering the fact that every users desires are different, it means that there will never be any type of best car insurance policy as there are many types of factors that affect a user’s decision including the type and price of a policy.

In fact, there are many times when a cheap insurance policy can end up being the most expensive on account of the fact that there are many different types of sub parameters that have to also be taken into consideration. When you are looking for the best car insurance, what you have to remember is that you need a type of policy that is specifically customized to meet all your needs and desires.

THE BEST INSURANCE FOR YOUR CAR

When you are on the lookout for car insurance, the type of insurance that you will get mainly depends upon how much is the specified value of your car. If you have a car that is only worth £1000 then it is best that you choose any type of fire and theft cover as there are the two that are most likely. Such a type of insurance would be best as you can be well protected from any type of theft or fire that might occur. In such a manner, you can be sure that your car will be covered by the claims should you be a victim of theft or fire.

On the other hand, if your car is only worth around £800 then it might not be worth it to apply for any type of insurance as the amount of premium that you will have to pay per year might in fact be much more than the overall cost of the car. So ultimately, the overall decision rests in your hands as to what will be the best decision to choose.

THE NUMBER OF DRIVERS TO YOUR INSURANCE CAN ADD TO THE OVERALL COSTS

If you are searching for the best car insurance, you need to remember that the amount of premium that you pay for your car would effectively depend on the price of the car as well as the number of drivers of the car. What you have to remember is that the more the number of drivers of the car, the greater would be the overall premium cost that you have to pay back. In fact, if the value of the car is more than £5000 and there are many drivers of the car, then it is best that you choose a type of comprehensive insurance. The best way in which you can create additional savings is to reduce the number of drivers of the vehicle. Another option that is available is to start using temporary insurance for additional drivers instead of having them included in the very same insurance policy.

CHOOSING THE INSURANCE COVER AS PER ONE’S AGE

Many of those that start applying for any insurance cover are usually young drivers that are inexperienced in driving. Most probably, you would be an inexperienced driver who is trying to apply for insurance. In this situation, there are certain things that you have to do to keep the costs as low as possible. The best thing that you can do is to use a third party cover as this is what can lower your overall premium immensely.

Another issue that you have to consider is the fact that most inexperienced people often choose an inexpensive car and as such, the overall cost of the insurance premium will be much lower than expected.

If however you have an expensive car, your overall coverage would be much more but the best way that you can lower this cost is by being an experienced driver as the more the amount of experience you have, the greater the chances are that your overall premium levels will be reduced. One of the best options that an experienced user can do is to start using comprehensive cover as the overall damage that is suffered by your car would be taken care of irrespective of any accident that your car might suffer. In fact, even any damage suffered by other vehicles would also be taken care of. Personal injury and windscreen damage are automatically cared for with such types of comprehensive covers.

Another way that you can lower your overall premium is by having a much better driving record and not having any types of bonus claims. If you have such a record, then there are increased chances that your overall cost of the premium will be much less. You must also remember that many different companies offered different types of quotes about the best car insurance you can choose. It is also always best that you enquire that the best car insurance you are choosing is comprehensive in offering you everything that you need to ensure that in future there would not be any problems.

Protecting Your Family - Buckle Up! Recent good news from Transport Canada statistics show an increase in seat belt use across

Canada. Ontario laws for the average person makes seat belt use mandatory. Seat belts have proven to save lives and reduce injuries. Newfoundland, Quebec and Saskatchewan lead the country with usage rates in excess of 90%. Ontario and British Columbia followed closely behind. In addition, all ten provinces achieved seat belt usage rates of more than 83%. So buckle up!

What Someone Else Is Doing..To Protect You!!!

Smile your on Candid Camera! Candid cameras to catch crazy drivers? It’s true.
Automatic cameras that take pictures at traffic intersections are an effective tool for reducing the number of drivers running red lights, the Federal Highway Administration (U.S.A.) An automated enforcement program for red light running people should translate into at least 20% and as much as a 60% reduction in violations. 

It is also believed that the new technology might also reduce the number of crashes in intersections.. Each year, red light running accounts for about 260,000 car crashes. It also accounts for about 121,000 injuries and more than 800 deaths across the United States. 

This information is from the Insurance Institute for Highway Safety. Fatal crashes at intersections with traffic signals have risen 24% from 1,888 in 1992 to 2,344 in 1997. A significant number of these violations are in rush hour traffic when people are in a hurry. 

When a car speeds through a red light, a magnetic relay beneath the pavement sends a signal and the camera’s shutter opens. A computer notes the time, date, vehicle speed, and amount of time the light was red. While the ticketing process varies from system to system, usually a technician retrieves the film from each camera daily and has it developed or scanned into a computer.

After license plate information is processed, the police print and verify a ticket which is then mailed to the registered car owner. In most states, drivers can go to court and testify they weren’t behind the wheel, but in New York, the registered owner is liable. 

Most of the programs used traditional film equipment, but some have experimented with digital cameras. Statistics show that about 250 cameras are set at intersections across the country and that number is expected to double per year.

A New York City program started in 1993 resulted in a 38% decrease in violations at 18 monitored intersections. Cameras in most states take photographs from the rear of the intersection, so the driver can’t be seen, but in California the system also used a picture of the driver’s face for identification. 

The cameras were used at crossings for a light rail line running between Los Angeles and Long Beach. Between 1990 and 1997,there were 353 crashes between trains and cars. They resulted in 33 deaths. At the initial three crossings using cameras the number of drivers running red lights dropped 92%, 78%, and 34% respectively.

Drivers who run red lights are involved in 89,000 crashes a year, causing nearly 1,000 deaths!

Florida Auto Insurance is Mandatory - Consider Additional Coverage Not Just the Minimum - Today, almost all states have made it mandatory to carry at least the minimum limits of liability coverage in order to protect the losses that might occur in the future due to automobile accidents. Florida has also determined their minimum limits of liability that anyone intending to own or drive a vehicle must carry.

The minimum limits have two parts: Bodily injury and property damage. The prescribed limits of protection have been set as 10/20/10 which means:
$10,000 for one person in any accident
$20,000 for two or more people in any accident

Property Damage Liability (PD)$10,000 for property damages caused to others

The above mentioned protects the victim of any automobile accident caused by the policyholder. There is no compensation for the insured's property or injury. Therefore, in order to protect one's own property, one can also purchase additional car insurance policies such as collision and comprehensive coverage.

Also, an automobile policy is bought to cover the risks associated with traffic accidents. Therefore, if someone who uses s vehicle rarely has least risk and therefore even the basic liability may be sufficient. However, someone who uses a vehicle daily and extensively may have enhanced risk and the minimum may not be sufficient for such people. Therefore, one should also consider additional coverage based on one's risk and needs. Few of the popular additional options are:

o Comprehensive
o Collision
o Uninsured/Underinsured Motorist (UM)
o Rental Reimbursement
o Medical Payments
o Towing

There are many insurers and their brokers and companies in Florida who offer auto insurance. However, an effective method to shop and compare is to visit the website of any reputed insurer/broker and seek quotes from multiple insurers. After receiving these quotes, compare them on various parameters such as cost, coverage, deductibles, discounts, etc. in order to choose the cheapest and the most suitable protection. These websites can further help one to complete the purchase only and become insured instantly.

If considering additional coverage options, completing auto insurance comparisons can be an effective way to find affordable rates. There are many companies that are able to issue Florida auto insurance and the more one has to choose and compare from the more likely they can find the right price from a reliable insurer.


By John Pirro

Raising your deductibles is the easiest way to reduce your rates. The higher the deductible, the lower the premium will be. The deductible is the portion you will have to pay in the event of accident, before your insurance coverage steps in. It’s important not to carry a deductible that’s more than what you are able to pay. Your insurance company will not honor its portion of the claim until you’ve paid your deductible. However, the higher your deductible the lower your premium cost will be, so you need to find a

Always remember to ask your insurance broker for any available discounts. Quite often we forget to ask and they don’t seem to volunteer the information. A clean record on the current policy for a certain period of time, having your homeowner's coverage with the same insurer, taking a defensive driving course, having an accident free driving record, and having an approved anti-theft device will reduce your auto insurance rates.

The type of car you drive can also reduce your rates. Stay away from cars that have a high class rating. Rates vary among the different makes and models of vehicles. The different rates are based on the risk of accident, cost to repair, higher theft rates for a particular model and replacement costs such as with a new vehicle. So be sure your vehicle isn’t going to be in a category that increases your rates too much.

A safe driving record consisting of no accidents and no traffic violations will get you the most substantial discount. Most insurance companies are very good at recognizing good driving habits. These are the drivers they want to insure because their risk is much lower.

If the car is old and not very valuable, comprehensive insurance is probably not worth buying as it can quickly add up to more than you’d ever receive in the event of an accident. You can save up to 20% by eliminating collision insurance. You may want to opt not to carry collision insurance as well which can save you and additional 20%.

Check around to make sure you are getting the best auto rates you can. Online auto insurance shopping has taken the guess work out of buying insurance and you can very quickly see if you are being hosed. So if your insurance is coming due now is the time to start shopping!.

by: Sher Matsen