AUTO CAR INSURANCE

Tips To Protect Yourself from Parking Lot Break-ins

5:16:00 AM Parking Lot Break-ins , Protect

Safety Tip!

Thieves often watch shoppers take parcels to their cars. They know once a customer returns to the mall, they will have a few moments to make their move. So ...if you have more shopping to do, it would be wise to move your vehicle to a completely new location in the parking lot. Any thieves watching will think you have finished your shopping for the day and will focus their attention on other potential victims. I know this is a hard concept to do, but, it certainly is better than coming out to find your window broken, truck pried open and your parcels all gone. It can happen in a matter of seconds!

Some Tips To Protect Yourself from Parking Lot Break-ins

Make sure you don’t become the next victim of a parking lot break-in. Here are some tips to help keep you, your family and vehicle safe from break-ins at shopping malls and parking lots.

Always park near other vehicles and in well lit areas, if possible near the front of the stores and roadways.

Do not park next to large vans or trucks that can block your vehicle from plain view. Thieves will often use large vehicles as cover to break into unsuspecting cars.

Never leave children unattended at any time. Even for a matter of seconds.

Common sense dictates that you should never leave your vehicle running or even leave the keys in the ignition, however, it frequently does happen. Probably a lot more than you think and of course the vehicles get stolen. So why make it easy for the thief! Also don’t do it even to run into a corner store. Also, you would think that common sense would stop you from leaving a wallet or purse in the car but people still do it.

Never leave items inside the vehicle in plain sight for people looking in the car. Parcels, cell phones, brief cases, suit cases, sports equipment such as golf clubs, portable CD players and even CDs left in the open are a calling card for thieves.

Remember, the safest place to leave parcels and valuables is in your trunk and out of clear sight. Follow these simple precautions and your items are more likely to reach their intended destinations with you and........... you will avoid being a victim of a parking lot break-in.

7 Money Saving Ideas

6:30:00 AM comprehensive insurance , cost of insurance , deductible , discounts , insurance company discounts

7 Money Saving Ideas

#1) Raise your deductible.

Your "deductible" is the amount you pay when you make a claim before your insurance company pays. The disadvantage of raising your deductible is that when you do make a claim, you’ll pay more. The advantage is that your insurance costs yearly go down. Go a number of years saving money without making a claim and your ahead. This tip can be applied to collision and comprehensive sections of your insurance policy.

#2) Drop your collision and/or comprehensive insurance on older autos.

Sometimes it’s just not worth paying for these kinds of insurance- if your car is not worth that much to begin with. That’s because the amount you pay for the deductible plus the amount you pay for the insurance may not be more than the value of the car itself. An auto dealer or certain automotive magazines can help you determine the value of your auto.

#3)Buy a "lower profile" vehicle.

Part of what determines the coat of insurance is the kind of vehicle you drive. Some are favorites for thieves. Some are more expensive to repair. Generally these vehicles will cost more to insure. It pays to do your research before you buy.

#4) Take full advantage of low mileage or distance discount rating—Some insurance companies give discounts to people who drive less than a pre-determined number of miles each year or drive certain distances to and from their place to work.

#5) When you move, consider the cost of insurance

Yes, the cost of insurance varies from place to place, even right here in York Region. Some areas can be considerably higher. Keep your broker informed and this may save you money. The right territory!

#6)Make sure the rating and use of your vehicle is correct.

Many manufacturers offer similar model names for vehicles and insurance costs can vary. Even 2 or 4 doors or the wrong model can effect the cost .

#7)Have your broker check other insurance company discounts

Insurance companies try to reward good risks. That’s the kind of driver they want. A lot of companies offer discounts to drivers who also have other kinds of insurance with them such as their homes. This is called a multi-policy discount. Other discounts available might be - multiple vehicles, anti-theft devices, retirees, drivers education, abstainers from alcohol, age, and distance to university/colleges for students. To name a few. Check with your broker to all that are available---- it will save you money!

Do You Know Your Optional Benefits?

6:30:00 AM Attendant Care Benefits , Caregiver , Death & Funeral Benefits , Dependent Care Benefits , Income Replacement , Medical , Rehabilitation

Do You Know Your Optional Benefits? -You may purchase a variety of optional accident benefits (Ontario, Canada) which build on the basic accident benefits levels. These optional benefits follow You, the insured, rather than the insured vehicle.

Income Replacement

Your basic policy provides up to $400/week (after 7 day wait) for an injury resulting from an automobile accident which prevents you from working at your usual occupation. This benefit is based on 80% of net income. You may increase this to limits of $600, $800, or $1,000/week .

Death & Funeral Benefits

Your basic policy provides $25,000 death benefits to a surviving spouse and $10,000 to each surviving dependent. You may increase this to $50,000 death benefit to a surviving spouse and $20,000 to each surviving dependent. Your basic policy provides $6,000 funeral benefit. You may increase this to $8,000

Medical, Rehabilitation & Attendant Care Benefits

Your basic policy provides up to $1,000,000 for catastrophic injuries (e.g. serious brain injury) and $100,000 for non catastrophic injuries for medical and rehabilitation expenses (in addition to those covered by O.H.I.P.). Your policy also provides up to $1,000,000 for catastrophic injuries for attendant care expenses (up to $6,000/month) and $72,000 for non catastrophic injuries (up to $3,000/month). You may increase this benefit by $1,000,000 beyond the basic limits.

Caregiver & Dependent Care Benefits

Your basic policy provides benefits for caregivers who are unpaid (e.g. stay-at-home parents) who are basically unable to engage in caregiving after an automobile accident. You may be reimbursed for expenses up to $250/week, plus $50/week for each additional dependent. You may increase this to

$325/week, $75/week for each additional dependent. In addition, this option provides a dependent care benefit to cover the expenses incurred by employed persons to replace the care which you have been providing to your dependents. This benefit is up to $75/week for one dependent and $25/week for each additional dependent to a maximum of $150/week.

Indexation

You may purchase an additional option to index your benefits to the cost of living. (If the cost of living goes up from the time of the accident, the benefits and limits do likewise).

Please note-------innocent victims of vehicle accidents may sue an "at fault" party for pain and suffering, and loss of income and future earnings when the accident benefits under your own policy are insufficient. Please consult your broker for the extra cost for optional benefits coverage. In addition, it would be wise to check to see if your employer has benefits provided as part of employment and what benefits you would receive. This allows you the ability to protect yourself and your family by assessing the overall situation and making a wise decision.

"Usual suspects" top the most - stolen list

Data from the 1198 National Insurance Crime Bureau

shows that the Japanese cars are the most popular among American thieves. But.......... American cars are creeping Top 10 Vehicles stolen in 1998

Up on the Top 10 most-stolen vehicle list, the Honda Accord has retained the dubious ward of "most popular car among thieves" in 1998.

2. Toyota Camry American vehicles make up 60 percent of the Top 10 list.

3. Chevrolet full size pickup (C/K)

4. Jeep Cherokee/Grand Cherokee pickups and SUV’s.

5. Honda Civic

6. Oldsmobile Cutlass

7. Ford full size pickup (F series)

8. Ford Mustang

9. Dodge Caravan

10. Toyota Corolla

It appears that vehicle thieves follow market trends and target the most popular vehicles because they provide the best market for stolen vehicle parts or are shipped to foreign countries illegally because of demand. It appears auto thieves follow the "money" created by demand and just don’t steal easy targets.

P.S.-----Remember this point----- The cost of stolen vehicles and the money spent by insurance companies helps determine the actual cost you pay for the comprehensive section of your vehicle insurance policy.

The less spent ................the less the cost of the insurance you would pay.

Now That I Have Saved Some Money What Should I Do?

6:30:00 AM Auto Insurance Shopping Tips , Keeping costs down

Now That I Have Saved Some Money What Should I Do?

After you have applied some of the information from the "7 Money Saving Tips" now what should you do?

Maybe have dinner out in a restaurant or buy a gift or something of that nature. But, perhaps an option more practical would be to increase your present liability coverage. For example - the minimum required by law in Ontario, Canada is $200,000 and you could increase this to $300,000, $500,000, $1,000,000 or perhaps $2,000,000 coverage if you don’t already have that protection. Another option is to perhaps increase your optional accident benefits coverage to reflect your actual financial income or situation.

Auto Insurance Shopping Tips, Keeping costs down

The bottom line is quite simple .....and that is..... to review your policy and coverage. Ask your broker questions and let your broker know your financial circumstances, income, and occupational information so that you both can evaluate your situation and overall choices to protect you and your family from hardships resulting from an accident. Have you considered Personal Umbrella Liability Insurance

Personal umbrella liability is not just for the executive. It should form an important part of your overall insurance program. It is usually provided in combination with your home insurance as an optional and separately purchased type of insurance.

If you currently carry liability insurance on your automobile, your house, boat, etc. with limits of say $1,000,000 you may not have sufficient coverage in the event of a catastrophe. A personal umbrella liability policy can increase your amount of liability insurance at a reasonable cost and give you additional protection and peace of mind.

Umbrella liability policies can also provide coverage for areas not normally covered by a liability policy.

Some examples are:

Personal injury including liable and slander
False arrestWrongful conviction
Defamation of character
Liability for volunteers to non-profit organizations such as service clubs or minor sports associations
Liability for the use of water craft that you don’t own
Liability you have agreed to accept under a contract or agreement

Please note that there are many different personal umbrella liability policies on the insurance market. Call to discuss the one that best suits your needs.

Question: Must I buy automobile insurance?

Answer: Yes! Laws everywhere in Canada require all owners of automobiles which are driven on Public roads to obtain certain basic coverage's and insurance.

In British Columbia, Saskatchewan and Manitoba, you can’t obtain your vehicle registration unless you purchase the necessary basic insurance at the same time.

Question: Must I buy $1,000,000 liability coverage?

Answer: No! The minimum liability coverage required to be carried in Ontario(Canada) Is $200,000. But, the difference in cost is minor to the benefits of the increased Coverage. Remember! People have the right to sue in certain circumstances now and with the advent of 7 & 8 passenger mini van it makes common sense to see that if several (say 4 0r 5 or more) people are injured in the other vehicle involved in the accident and it was your fault the minimum liability would be no were the ideal protection to have. It makes good sense to carry more than the minimum liability coverage.

Auto Insurance Shopping Tips

Auto insurance regulations vary from province to province, state to state, country to country, which means you’ll have to purchase different amounts and types of coverage's depending on where you live. Most provinces or states have a law which requires people to have auto insurance.

The rules of common sense also dictate that you buy, at the very least, reasonable limits of liability insurance. Because if you cause an accident and its your fault you going to have to pay for those damages. If you don’t have liability insurance then you may eventually end up paying for those damages with your assets, such as your home and your wages.

Know what you’re buying

The first thing you need to do is educate yourself about the thing you’re buying. Find out which coverage's are required in your province, which coverage you really need, and which coverage's you can do without.

Keeping costs down

Regardless of where you live or what you’re required to buy, there are some things you can do to make sure you’re getting the best deal. The most important thing to do is shop around. Call as many agents as possible. Yes, I know that it’s a drag and it takes a lot of time. Yes, I know that you may have to answer the same questions repeatedly. But look at it this way.---- Would you walk up to the first house you see and buy it?

Doing a little research can save you money. But value is the most important "Factor". Does the broker meet and exceed my expectations. Do they offer things of value to me and serve my best interests. It’s important to look at the company that’s actually going to be paying my claims, How do they compare for service? How do they compare in size and volume? What are their objectives, ideals and mission statements? Years ago these features were very hard to find, but, the computer and internet has change all of this. Visit their web sites and view them first hand.

Here are a few insurance shopping tips:

Maintain a good driving record
Ask about all discounts and what you would qualify for!
Take the highest deductible that meets your needs
For cars with low market value consider forgoing comprehensive and collision insurance
Keep the documents from previous insurance companies
Make sure you’re a listed driver on an automobile policy somewhere
Make sure you’re a listed driver if you use a company vehicle most of the time
Ask if accident waiver coverage is available- this optional coverage is available with several insurance companies and protects future increases in insurance costs due to at-fault losses
Maintain your vehicle
Make sure you’re not getting coverage that is unnecessary to you- for example, rental car coverage if you own several vehicles and some sit unused most of the time.

Car Insurance Companies

6:30:00 AM Car Insurance Companies

Car Insurance Companies - People who live and drive in Australia will want to find out more about Australian car insurance companies before they decide to purchase car insurance. With so many car insurance companies out there it is only natural to want to be insured by a company that has its offices in your country. So how do you find Australian car insurance companies?

To begin with, you could get your local telephone book and start to search for car insurance companys that are situated in Australia. Whilst this is one way of finding car insurance companies that are in Australia you will find that this can take an awfully long time and cost a lot of money in telephone calls. In addition to this you could also find that you wind up missing out on some great deals on insurance that are not offered when you telephone direct to the company.

If you don’t have a lot of time to spare to find car insurance companies in Australia a much better, and faster, way to do this is to use the internet. Here you have the world of auto insurance at your fingertips. You can search for specific types of cover (fully comprehensive, CTP or third-party) offered by Australian companies for your car – something which is useful if you know what level you need. Or you can start your search by just finding a list of car insurance companies that provide cover for drivers in Australia – the choice is yours.

To really cut down on the amount of time you spend searching for your insurance you could use a comparison website that will do most of the hard work for you. In fact the only thing that you will really need to do here is to enter your personal details (name, age, place of residence etc) and the details of your car (make, year, average annual mileage etc) and the level of cover you need. Then you press on the search button and let the website comparison tool do its thing.

When the comparison ends you will be shown a list of the top car insurance companies in Australia and a list of quotes for car insurance from them. As soon as you have this you can then run down the list of car insurance companies and their quotes to see which are the most attractive to you. Soon you will find a company and quote that are agreeable and you can then go right ahead and purchase your insurance policy online.

You might once have thought that finding Australian car insurance companies was a real pain, but not when you can use the internet. Not only is it super fast to do this you can also find a great deal on insurance from car insurance companies that you might never have thought of before. So to get great car insurance at a reasonable price take the time to go online and find car insurance companies in Australia and you will not look back.

How To Get Low And Fast Car Insurance

6:30:00 AM Car Insurance Rates

How To Get Low And Fast Car Insurance - Taking out car insurance is a legal requirement if you are planning on driving a car anywhere in Australia. Without adequate car insurance you are not only breaking the law you are also running the risk of costly repair bills should you have an accident. In fact anyone with an auto needs to have car insurance in place before they get behind the wheel to drive. So if you are in this position you will want to know how to get insured at a low cost and quickly.

Insuring your vehicle need not be a headache though, especially when you consider that you can get some great prices when you compare car insurance rates. So what are the advantages of comparing car insurance rates?

When you compare car insurance rates you can see a wide range of insurers that you might not have otherwise heard of.

Car insurance rates Australia wide can vary from state to state and using a comparison tool online will help you to work out what you should be paying.

You can alter the cost of your car insurance rates by stating what kind of cover you are looking for. For instance you can state whether you need CTP, comprehensive or third-party cover when you look for the best car insurance rates around. So if you want lower cost car insurance rates you need to look towards third-party cover, although this is not the highest form of cover.

If you think that car insurance rates won’t vary much between companies you would be wrong. One of the advantages of comparing car insurance rates is that you can check out all of the quotes you are presented with and pick out the lowest car insurance rates that will provide the cover that you need for your car.

When you compare car insurance cost for cost you will be surprised at just how fast you can do this. Rather than spending hours telephoning insurance companies or visiting each one individually online you can compare the entire market in less time that it would take you to change the tires on your car. This is ideal if you do not have much time to spare to seek out great low cost rates for your car insurance.

When you go online and compare car insurance rates you will be getting the lowest and best car insurance around. Often it can be easy to overlook a policy that would perfect for you if you are rushing around trying to get car insurance rates.

When you have found car insurance rates that are the right price for you and the correct level of cover you can go right ahead and purchase your insurance online. You don’t even have to speak to an advisor, meaning that you can get covered in the middle of the night should you wish to.

After seeing the advantages of comparing car insurance rates you will be itching to compare prices and get low cost insurance for your car.

AUTO CAR INSURANCE

Labels

Technology

Latest Post