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Auto Insurance Online Quote - Get the Best Rate

Wednesday, June 27, 2007

Author: Brian Stevens

Looking for auto insurance online can save you time and money. By going to an insurance comparison website to look for auto insurance, you can get quick quotes from multiple A-rated companies, which you can compare to be sure you're getting the best rate.

Getting Started

When you go to the insurance comparison website, you complete a short form with personal information, such as your name, address, and age. You also enter information about your vehicles and driving habits, including:

* The year, make, and model, of your car.

* You car's VIN number.

* Safety features in your car, such as airbags and a theft prevention device.

* The number of miles you drive each year.

* Any tickets or accidents you've had.


Getting the Best Rate

You'll also need to decide what coverage amounts and deductibles you want. Changing your amounts and deductibles can change your rate quite a bit. Note that the best insurance comparison websites let talk with insurance professionals through an online chat service, so ask if you have any questions as you complete the form. (See link below).

Keep these tips in mind as you set your coverage amounts and deductibles:

* Most states have minimum limits you need to meet. You can go to your state’s Department of Insurance website to find out what the limits are in your state.

* Decide if you want comprehensive and collision coverage. Collision coverage pays to repair or replace your car after an accident, while comprehensive coverage pays if your car falls victim to a natural disaster, vandalism, or theft. However, both cover only up to the Blue Book value of your car. If your car is over five years old, you may want to drop these coverages altogether.

* If you want comprehensive and collision coverage, decide what deductible you want. The higher your deductible, the lower your premium.

You also want to make sure you get all the discounts you qualify for. Does your vehicle have an anti-theft device? Can you put your home insurance with the same company so you get a multi-policy discount? Ask the insurance professional about additional discounts.

Visit http://www.LowerRateQuotes.com or click on the following link to get auto insurance online quotes from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section.

Source: ArticlesBase.com

About the Author:
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written extensively on auto insurance online quotes.

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posted by mSteven, 1:57 AM | link | 1 comments |

International Health Insurance: Insure Yourself While in Go

Author: Jenny Black

We all will agree that whether we are living in our home country or abroad, our health needs constant care and attention. . It is also our utmost responsibility to ensure the good health of our family members when they are not in their home country. International Health Insurance comes handy at this time of our life. This type of insurance is for those persons who plan to travel abroad for personal or business purposes or even study.

No one can predict their future. Therefore no one can foretell whether some mishaps might happen or not happen at this particular time of life. Accidents, mishaps, illness always come uninvited. The situation becomes even worse if we are not in our home country. The cost of medical treatment might be very high in other countries and a simple treatment can cost you a fortune. Here comes the benefit of international health insurance. This type of insurance ensures that we get the best medical facilities all over the globe. At the same time it guarantees that our pockets are not emptied while paying for the medical bills that we may come across in foreign countries.

A social health insurance policy may not give you the amount of choice and benefits while you are traveling. Therefore you must go for a private international health insurance policy to give you an extensive coverage and better health facilities.

This type of insurance is also a must for students who plan to go to some other countries for their further studies. Even a healthy person can fall ill at any point of his life. A students life outside is home is even more disorganized and hectic. This makes him susceptible to various illnesses. Therefore it is crucial for every student to own this policy. It is also his/her responsibility to look for a cheap and affordable international health insurance policy.

Some common covers that are under international health medical insurance are:

Accidental medical/sickness expense:

Mental and nervous Benefit:

Accidental death & dismemberment. Accidental Death:.

Prescription drugs:

Pre-existing conditions (though not always)

Maternity covered

Emergency 24-hour telephone assistance

Medical/travel/technical assistance services

Will guarantee payment and pay claims directly to foreign hospitals when it is an option


But before investing in international health insurance policy it is important to do a little shopping and research. Many insurance companies who provide cheap and affordable international health

insurance
policies are available in the market. Now with internet facilities it is much easier to shop around and search for the perfect quotes. But you should keep in mind certain things before buying any. They are:

Make sure the insurance company offers a full disclosure of its principles, rules, regulations, staff, history etc.

It is also important to look for a company that shows testimonials and experiences of its previous clients.

After your all queries are answered, make sure you buy an international health insurance policy that is best fitted for you and your family. Whether you are away for 2 weeks, 2 months or even for a longer period, traveling without adequate international health insurance is just not worth the risk. Come online and get the benefits required to make your life better and happier.

Source: ArticlesBase.com

About the Author:
Jenny Black is the financial analyst at Health Insurance UK. She is providing independant insurance and financial advice on health through her informative articles. To find more about international health insurance, medical health insurance, international health insurance policy, international students,car insurance, pet insurance visit http://www.healthinsuranceuk.org.uk

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posted by mSteven, 1:48 AM | link | 2 comments |

Pay as you Drive

Author: Roxel Pudol

Nature is one of God’s creations. It is one of His best works of arts. But nowadays, the degradation of the environment seems to be unabated. One of the things, which contribute to the gradual destruction of the environment, is air pollution. Studies show that one of the great contributors to this is the smoke coming from the vehicles. Because of this fact, new concept in car insurance is formed – the pay as you drive auto insurance.

The idea behind pay as you drive auto insurance is simple – if you do not drive much, you will pay high insurance premiums. Advocated for this type of insurance policy thinks that there are many merits to this type of program such as the gas consumption, lower costs to the consumer and less air pollution.

You might have a question in mind like, “Why am I paying high premiums if I’m not using my car often”? With the pay as you drive insurance premiums, you would be able to quite literally pay as you go.

Essentially the insurance company will set an average driving amount for each car type. It could be broken down into a cents par mile basis. You would purchase a set of number of miles if you wanted to use the pay as you drive auto insurance system. You would be covered for insurance during this period. For those individuals who do not use their car most often or try to find cost saving methods or environment saving alternative, this pay as you drive system is an excellent idea. Though this type of program is not yet available, there are supporters in many states who are hoping to have this soon.

Environmental Defense, the conservation Law Foundation and even the US environment Protection Agency are some of the groups that are working to organize a national cooperative that would work with insurance companies to offer deep discounts for low-mileage drivers. This is halfway a step towards PAYD (pay as you drive) insurance.

General Motors and On-Star offers PAYD rates. GMAC or General Motor Acceptance Corporation Insurance began offering mileage-based discounts to Onstar subscribers located in some states, in the middle of 2004. To verify mileage, the Onstar system reports a vehicle’s odometer readings at the beginning and end of the policy term. Motorists who drive less than the specified annual mileage car receive insurance premium discounts of up to 40%. PAYD program are now available in Israel, South Africa and Holland.

Like in the cell phone plan that you can pay as you talk. The pay as you drive auto insurance is also a good idea. From this little thing, you can also contribute to the renewal of the beauty of nature.

Source: ArticlesBase.com

About the Author:Roxel Pudol maintain the following sites: Web Directory, Hotels, and Celebrity Biographies

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posted by mSteven, 12:54 AM | link | 1 comments |

How to Buy Auto Insurance Online - Top Tips for Saving Big Bucks

Author: Brian Stevens

Looking to buy auto insurance online? Want to get the cheapest insurance rate with the best insurance company? Here's how ...

1. Comparison shop - Insurance rates can vary as much as $1,000 between companies, so the first thing you need to do is get quotes at an insurance comparison site before you buy auto insurance online. (See links below)

2. Increase your deductible - Raising your deductible by a couple of hundred dollars can save you up to 50% on your insurance premium.

3. Drop your collision and comprehensive coverage - If the cost of collision and comprehensive coverage for an older car is more than the cost of repairing that car, consider dropping these coverages.

4. Bundle your insurance - Including your auto insurance with your homeowners insurance can save you 15%.

5. Use one company - If you have two or more cars you can save up to 15% by insuring them with the same company.

6. Drop duplicate coverage - Eliminate your medical coverage if you're already covered under you heath insurance policy, and drop towing coverage if you're covered by AAA.

7. Install a security device - Most insurance companies will give you a discount if you install a car alarm or other anti-theft device.

8. Request discounts - Ask your insurer what discounts are available and take advantage of them. Get all the discounts you're entitled to for such items as automatic seat belts, airbags, and anti-lock brakes.

9. Check ratings - You're not saving a dime if your insurance company won't pay your claim. I recommend going to epinions.com to see what actual customers have to say about various auto insurance companies and how they pay their claims.

Visit http://www.LowerRateQuotes.com or click on the following link to get free car insurance quotes from A-rated companies and see how much you can save. You can get more insurance tips by checking out their "Articles" section.

Source: ArticlesBase.com

About the Author:

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to buy auto insurance online.

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posted by mSteven, 12:19 AM | link | 1 comments |

10 Important Things to Remember When Buying Life Insurance

Tuesday, June 26, 2007

Author: Luke Ashworth

It is always better to find out vital information about life insurance prior to buying cover. This ensures that you obtain the best cover your money can buy.

10 facts about life insurance are:

1. Research the market: It is nearly always preferable to investigate all the cover available and to be clear about the monthly fees before deciding. A great place to source this info is online

2. The sooner the better: Do not procrastinate in buying a life insurance policy. The best time to purchase a policy is when you are young and in employment. This will give you a choice of great policies.

3. Do not get too much: Try to have just the correct amount of insurance that is within your budget. Getting too much cover will attract increased costs which is unnecessary.

4. Always tell the truth: Never try to misguide when completing the insurance application. If you are discovered hiding facts, such as smoking, the insurance provider may terminate your plan.

5. Stay healthy for lower costs: Health conscious individuals pay the least expensive fees. But, habits like cigarette smoking, too much alcohol, intake of drugs and obesity can make your premium sky high.

6. Never pay unnecessary fees: The fees of some insurance coverage are high due to the fact they also incorporate the commissions of the broker. To prevent this, go with an insurance company that offers policies sold direct.

7. Monthly fees can cost more: One way to keep costs down is to avoid monthly costs. You should therefore go for bi-annual or annual premiums, which are discounted.

8. Check your cover from time to time: You should check your cover when there is a major change in your circumstances, like the birth of a child or your children starting university. Occasional reviews help you to ensure that you are paying the right fees, and that you have the right level of cover.

9. Do not rely upon your employers insurance cover: Most employees are provided with company insurance by their employers. But this may be insufficient for your requirements. Additionally, the group insurance policies get cancelled when you depart the company and because of this can not be relied upon.

10. Higher cover could be cheaper: With life insurance, monthly fees get less expensive as you go for increased cover. As such there is nothing wrong in increasing the cover, if your budget will allow it.

Don't leave it to chance. Get financial protection for your family with life insurance from Protected .

Source: ArticlesBase.com

About the Author:
Luke Ashworth is the founder of Protected.co.uk which helps you search for life insurance via the website http://www.protected.co.uk.

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posted by mSteven, 11:38 PM | link | 2 comments |
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