Saturday, March 26, 2011

Getting Discount Car Insurance for Your Teenage Child Article Source:

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Getting discount car insurance can really be difficult these days especially if you are trying to secure one for the use of your teenage child. This is because insurance companies see teenage drivers to be high risk drivers as they are more prone to accidents. Teenagers are the ones who are involved in vehicular accidents most of the time as they have a tendency to be reckless when they are on the road. So, to help you get the most reasonable rate for your child's car insurance, here are some simple tips:

Because teens are considered as high risk drivers but if you keep on reminding your child to keep a clean driving record, them getting discount car insurance is possible. Just make sure that before you get the insurance, your child has never been issued with any traffic violation tickets. It will also help if your child has never been involved in any road accidents as this may help prove that he or she is a responsible driver.

At the same time, a teenage driver who took formal driving lessons has a higher chance of getting discount insurance as companies can assume that the child has learned safety measures and defensive driving in class.

Getting your child a safe vehicle is also one great factor that can help you secure an insurance at a discounted price. Vehicles that are considered safe have lower rates when it comes to car insurance. It will also be better if the car was previously owned as this will help lessen the price you have to pay for the policy too.

If you have an existing insurance policy with the company that you wish to get the car insurance from, then perhaps you can ask them to add your child's car insurance to your existing one. This way, it can serve as an add on or extension so that you no longer have to pay for a standalone policy.

But if you plan on getting from a different company, then make sure that you have at least two to three options. Secure quotations from each of the companies so that you have basis for comparison when you evaluate which one to patronize. List down all the things that you like about the policy as well as the clauses so that you can negotiate with the company. By doing so, you can choose the company that can give you discount car insurance along with the most reliable service possible.

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Wednesday, March 16, 2011

Car Insurance Overview - Illinois By Christine Murray

Illinois is one of the majority of states in the United States that has chosen not to implement no fault legislation. As such, whether an individual can recover medical expenses and/or loss of income typically can only be determined by knowing whether a person is at fault, in whole or in part, for the accident and the specific insurance policies held by the people involved in the accident.
There are generally two types of car insurance coverage. First party coverage is insurance that covers you and your property. It can cover such things as medical expenses, damage to your car, the cost of lawyers to defend an action if you are sued by another driver, etc. Third party coverage is insurance that protects you by paying other people damages for injuries that you caused them. In Illinois, for the most part, the extent of both the first party and the third party coverage a car owner has is determined by the insurance policy itself.
The State of Illinois sets out certain minimum insurance coverages that all car owners are required to carry. There is a minimum of $20,000.00 for personal injuries to a single person and a minimum of $40,000.00 for personal injuries if there is more than one person injured in the car accident. There is also a minimum of $15,000.00 property damage coverage required. In today's society these minimum limits are inadequate to protect most people. It is common to purchase car insurance that increases these limits. Two of the more common car insurance limits are first: $100,000 for each person that suffers personal injuries to a maximum of $300,000 if more than one person suffers personal injuries in the car accident, and second: $300,000 per person injured to a maximum of $500,000 if more than one person suffers personal injuries.
In addition to increasing the limits, a car owner may well be advised to also consider purchasing medical payments coverage. Unlike jurisdictions that have imposed "no-fault" legislation where certain medical payment coverage is mandatory, Illinois does not require such coverage and it is left to the individual to decide if they want it or not. Medical payment coverage is like a form of health coverage. It is often referred to as "personal injury protection" or "PIP" protection. Again, if this type of coverage is purchased the insurance policy will specify the maximum amount the insurer will pay out under this coverage.
While there are many different types of insurance coverage that are available two more will be of specific interest to the person that has suffered personal injuries in a car accident. These are the uninsured and underinsured motorist benefits. Although the State of Illinois mandates minimum insurance coverage there are still many people who drive without any insurance or without sufficient insurance to cover the damages their negligence causes. These types of insurance coverage protect you if a negligent driver without insurance, or with inadequate insurance, causes a car accident in which you suffer personal injuries. In Illinois, if you have insurance coverage you automatically have uninsured coverage UNLESS you signed a form called a UM Waver Form.
As this brief summary suggests, the wording of each car insurance policy held by the drivers and or owners of the cars involved in a car accident will largely determine what a person who suffers personal injuries can or cannot recover. What might appear to be language that is straight forward and clear cut to the typical person, may not have such a straight forward and clear cut legal interpretation. Also, every person who suffers personal injuries in a car accident has their own unique problems to solve. As such it is impossible to provide any hard and fast rules or suggestions of how best to proceed. One thing is clear, however. There are strict time lines within which legal actions must be started. There may also be time lines for forms to be filled out and claims to be filed with the insurer. It is always best to speak with an Illinois qualified car accident lawyer as soon as possible after the car accident. Typically a car accident personal injury lawyer will give you an initial consultation for free. Take advantage of that service and protect your rights.
This article is not intended to be a full or complete summary of Illinois law nor is it intended to be used in any way as legal advice. For legal advice you should call a qualified, licensed personal injury lawyer. This article is simply an overview of some points that might be of general interest to people, and in particular people that have suffered personal injuries in a car accident. If you want legal advice Injury Alliance can assist you in locating a qualified personal injury lawyer that practices in your area. First consultation, be it by telephone or in person, will be free. If you do not choose to find a lawyer through the Injury Alliance but prefer to find one by yourself, we still recommend you choose someone who specializes in car accident claims. Many attorney's specializing in car accident claims will also provide a free initial consultation.

Monday, January 31, 2011

All about direct car insurance

Many factors influence the premium for your direct car insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not. Below we discuss the key variables that are within the policyholder's control.
A big influence on the cost of your direct car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.
By agreeing to pay a greater excess on each claim you can reduce your direct car insurance premiums. This is because you are reducing the liability of the insurer and therefore in return they are able to offer you a lower premium.
Your Vehicle
The cheaper and slower your vehicle the lower your premiums are likely to be. If you are looking to buy a new vehicle make sure you fully consider the cost of direct car insurance – you may be able to buy the car but can you afford to run it?
 Consolidating policies
By insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a ‘bulk buy’ discount.
Where you park your vehicle overnight is also very important to the insurers. If it is kept in a locked garage, you should be offered a lower premium than if you leave it unattended in the street.
You can control yourdirect car insurance premiums by restricting your annual mileage. However, be aware that if you exceed the restricted number of miles you'll then become uninsured!
Security devices that prevent or hinder theft may also reduce your premium. Common examples include alarms and immobilisers, however, be aware that as we improve the quality of our security devices the thieves just become better at bypassing them.
No Claims Discount
Save up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you'll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.
Your Sex.
Women are statistically less likely to have an accident and, if they do, it's less likely to be serious. Because of these statistics women benefit from lower premiums. It is also worth noting that if you represent one half of a couple you should consider having the female as the primary driver with the male as the second driver.
Advanced driving skills
By taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your direct car insurance premiums. Two key variables NOT within the policyholder's control.
Your Age
The older you are, the less likely you are to make a claim. As a result insurance companies charge lower premiums for more mature drivers.
One final piece of advice.
A large percentage of car insurance is now sold on the Internet. That's because it's convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.

Sunday, January 30, 2011

Direct Car Insurance Tips

You have come to the right place, if you are looking for information on how to get direct car insurance for your new or pre-owned auto or if you just want to get a better direct car insurance quote. Not all direct car insurance companies have the same policy coverage, pricing or terms. To get the best direct car insurance policy at the cheapest rate, you will have to do a little research; most direct car insurance companies offer online quotes, this is the easiest way to do comparisons.

If you have an existing policy from your current insurer, pull it out or request they send you a copy. Read it through carefully and highlight the most important coverage items to identify areas where you may need decreased or additional coverage.

Deductible in the event of a claim - Increasing your deductible can lower your direct car insurance quote by hundreds of dollars.

Total loss - Coverage in the event your automobile is stolen or totaled in an accident.

Property Damage Liability - This coverage is important in the event your vehicle causes damage to someone else's property.

Can you go to the auto repair shop of your choice ?

Does it make a big difference if you opt for a higher deductible?

Where can I find Cheap direct car insurance quotes?

To read the full version of this article and get the answers you need to know before renewing your car insurance agreement, click on the link at the above.

Cheap Direct Car Insurance

All about saving on you direct car insurance premiums..

helps you obtain Cheap Insurance Quotes Online:
APPLY ONLINE for an Insurance Quote
Getting a direct car insurance quote online in the UK can save you a lot of money on your direct car insurance. The process is simple, quick, and extremely convenient. All you need to do is to fill out a simple quick quote provider form, submit it, and the online insurance company will do the rest and generate your direct car insurance quote within minutes.
On top of that, you can also obtain multiple online quotes in the UK from various different insurance providers, allowing you to make comparisons between them, all these within the privacy and comfort of your own home. . . . . . . .

It is an established fact that the reason most people in the UK and other parts of the world overpay on their insurance policies is due to a lack of shopping around. You should always Compare Car Insurance to find you the best deals as well as Cheap Car Insurance.
Online direct car insurance quotes prevent this from happening. With online quotes, consumers also have the freedom to start, save and complete their insurance applications according to their convenience. In addition, a single application usually contains several free online quotes, so that you don't have to be worried about the cost associated with receiving multiple car insurance online quotes in the UK.