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Average Car Insurance Rates - Tips to Remember When Buying a New Car
2007-03-20 01:28:00
This is post one of two in a series covering things you should think about when buying a new car. For many people, buying a new car can be an exciting time, but most people fail to consider their car insurance rates when they’re making their purchase. While it may be enticing to purchase that hot ...
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Average Car Insurance Rates - Car Insurance for your Classic Car (Part Two)
2007-03-19 18:58:00
This is post two of two in a series covering classic car insurance and how it differs from ordinary auto insurance. When trying to find car insurance for your classic car, you may also want to speak with an insurance agent about both stated value and agreed value for your car insurance. The agreed value choice ...
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Average Car Insurance Rates - Car Insurance for your Classic Car
2007-03-17 02:05:00
This is post one of two in a series covering classic car insurance and how it differs from ordinary auto insurance. Classic cars are both beautiful and exciting, and they often require a good bit of upkeep as well. There are many people who enjoy collecting and driving their classic cars, but unless you only plan ...
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Average Car Insurance Rates - 4 Car Insurance Myths You Need to Know About
2007-03-16 19:05:00
This is post two of two in a series describing four car insurance myths that exist. Car Insurance Myth 3 - Collision Coverage Covers All Damage to My Vehicle Unfortunately, this is just another myth as well. Collision coverage on your vehicle only covers your car in the event of a collision. If your car is hit ...
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Average Car Insurance Rates - 4 Car Insurance Myths You Need to Know About
2007-03-16 04:21:00
This is post one of two in a series describing four car insurance myths that exist. Whether you are talking to family and friends, or even reading articles about car insurance, more than likely you’re going to stumble across your share of myths regarding car insurance rates or the car insurance industry. Like anything else, it’s ...
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Average Car Insurance Rates - 3 Key Factors to Consider When Choosing a Car
2007-03-15 22:47:00
This is post two of two in a series describing three factors that will help you choose the right car insurance company. Secondly, when looking for a great car insurance company you will want to take into consideration their complaint record. Even if they offer great car insurance rates, it means little if they have a ...
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Average Car Insurance Rates - 3 Key Factors to Consider When Choosing a Car
2007-03-15 17:37:00
This is post one of two in a series describing three factors that will help you choose the right car insurance company. When purchasing car insurance, one of the main things that people look at before they make a decision is the cost. While the cost is a very important factor to most people, you should ...
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Average Car Insurance Rates - How a DUI Can Affect Your Car Insurance (Part
2007-03-15 02:06:00
This is post two of two in a series about understanding how a DUI can affect your car insurance rates. Cancellation In some cases, if you have been convicted of a DUI, some car insurance companies will actually cancel your insurance policy. Not all companies can issue an SR-22, so this can result in your car insurance ...
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Average Car Insurance Rates - How a DUI Can Affect Your Car Insurance
2007-03-14 19:14:00
This is post one of two in a series about understanding how a DUI can affect your car insurance rates. Driving drunk is a very dangerous thing to do, and can result in a variety of different consequences. If you are convicted of a DUI you will have to deal with points on your license, ...
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Average Car Insurance Rates - Choosing a Deductible on Your Car Insurance P
2007-03-14 02:13:00
This is post two of two in a series about how to choose the right insurance deductible. What are the Risks? When deciding on deductible amounts, it is important to rationally assess the risk that is associated with you driving. You may want to take a good look at your driving record over the past few years. ...
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Average Car Insurance Rates - Choosing a Deductible on Your Car Insurance P
2007-03-13 19:05:00
This is post one of two in a series about how to choose the right auto insurance deductible. When you’re choosing your car insurance policy, one thing you’ll have to decide on is how much you want your deductible to be. More often than not, this will be based on your own preference, but it is ...
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Average Car Insurance Rates - Buying Car Insurance for the First Time (Part
2007-03-13 02:11:00
This is post two of two in a series offering four ways to find the right car insurance for your needs. Understand Your Policy Before you make your final decision and purchase the car insurance policy, you will want to make sure that you understand each line item and what it truly means. Many times the language ...
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Average Car Insurance Rates - Buying Car Insurance for the First Time
2007-03-12 18:06:00
This is post one of two in a series offering four ways to find the right car insurance for your needs. If this is your very first time purchasing car insurance, it can be a confusing experience. Your car insurance is very important and you want to be sure that you get the coverage you will ...
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Average Car Insurance Rates - Using an Agent versus a Broker when Selecting
2007-03-10 17:50:08
This is post two of two in a series about understanding the pros and cons of selecting car insurance through agents and brokers. Another reason you may want to consider using an agent is because you might be able to get better rates. An agent will be able to help you find the car insurance that will cover you adequately for the best price. You may also be able to benefit from special discounts that agents are often able to offer you as well. A broker may provide more options but they’re considered a middle-man and they may be offering slightly higher rates. Typically, a car insurance agent can also give you better and more detailed advice regarding the nuances of policies and discounts they offer. While going online and purchasing directly from a company or a broker can be quick, many times you will not get the detailed advice you need online. Talking with an agent one-on-one, that knows the ins and outs of the business, can help you make sure that you make the right choices w...
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Average Car Insurance Rates - Using an Agent versus a Broker when Selecting
2007-03-09 23:48:01
This is post one of two in a series about understanding the pros and cons of selecting car insurance through agents and brokers. If you’re planning to purchase car insurance, you may be wondering whether you should use an agent, a broker, or whether you should purchase your car insurance directly from the insurance company. Many people do not know that they have an option. While a very few people prefer purchasing directly from the company, the majority of people use car insurance agents or an insurance broker for a variety of reasons. Reasons may include less time researching, more options available, lower car insurance rates, and helpful advice. If you know what company you want to go with, one reason you may prefer to use an insurance agent when you’re purchasing car insurance is because an agent can save you time doing research on various insurance plans and policies. Car insurance is their profession and they know the policies and plans of the company they represent...
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Average Car Insurance Rates - Could Driving a Hybrid Car Help You Save on C
2007-03-09 23:48:01
This is post two of two in a series about the relationship of owning a hybrid car and the possibility of lowering your car insurance rates. While some companies are offering low rate car insurance for those with hybrids, there are other companies that are refusing to do so for a variety of different reasons. Companies such as State Farm Insurance Company is saying that they do not plan to offer these discounts because the hybrids can be quite expensive to repair and there are some concerns about how the electrical system of the car will react in the event of a vehicle accident. Some of these concerns appear to be legitimate, while others have been labeled unfounded, but in any event, not all insurance companies are sold on offering a discount for those driving a hybrid automobile. As the market for the hybrid increases, more than likely there will be more and more insurance companies that begin to discount insurance for these vehicle types. They provide a safer environment, and in s...
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Low Rate Car Insurance - 3 Reasons to Compare Car Insurance Rates Each Year
2007-03-09 05:46:02
This is post two of two in a series on why you should revisit how much you pay for car insurance each and every year. Reason 2: Save Money Another reason that you should compare car insurance rates every year is to help you save money. It may take a little work on your part to check around and see if you can get better rates, but the savings may be worth it. Checking with other companies to see what their rates may be could save you hundreds of dollars each year if you can find the right deal. Reason 3: Better Coverage When you are looking around to find better car insurance rates, you just might find a company that has better car insurance coverage options to offer you as well. Some companies may offer better discounts and other companies may have incentives for insuring more than one vehicle with them. You may also find that certain companies offer coverage that will cover you if your car is stolen or if it is damaged in a storm. The research you do in searching for better rates m...
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Average Car Insurance Rates - Could Driving a Hybrid Car Help You Save on C
2007-03-09 05:46:02
This is post one of two in a series about the relationship of owning a hybrid car and the possibility of lowering your car insurance rates. While hybrid cars had a slow start, with only two models available back in 2000, their popularity is continuing to increase as many people begin to realize the benefits of owning a hybrid automobile. Some of the benefits of owning a hybrid vehicle include that they are environmentally safe, more cost-effective, and this just in: in some cases you can save on your car insurance rates if you own a hybrid vehicle. Just recently some insurance companies have begun to offer discounts to people who drive a hybrid vehicle. Some car insurance companies are offering a 5% discount, while others are actually offering up to 10% discounts for insuring a hybrid vehicle. Some of the companies that are offering this discount on car insurance rates include St. Pauls Travelers and Farmers Insurance Group. They’re offering the discounts to reward people not ...
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Low Rate Car Insurance - 3 Reasons to Compare Car Insurance Rates Each Year
2007-03-08 17:46:02
This is post one of two in a series on why you should revisit how much you pay for car insurance each and every year. If you have not changed your location in the past few years, more than likely you have not changed your car insurance either. In fact, you may not have even looked around to see if you could get a better deal. Many people get very comfortable with their current car insurance company and do not take any measures to make a change, even when their rates go up. If you have not taken the time to compare car insurance rates recently, you should not only do it now, but continue to do it at least once every year. Reason 1: Help Bring Rates Down If you are interested in being able to get low rate car insurance, you need to do your part to help get car insurance companies to drop their prices. Many companies raise their rates every year, and many people just go on paying the higher rates, instead of changing companies and making the various car insurance companies compete for ...
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Low Rate Car Insurance - Your Credit History and Car Insurance (Part Two)
2007-03-08 17:46:02
This is post two of two in a series about understanding how your credit history can affect your car insurance rates. When companies are checking on your credit to make a decision on the car insurance rates you will pay, there are a variety of different ways that they determine what your credit score is. Companies may look at various public records about you including any charge offs, bankruptcies, collections, or liens. Insurance companies will also take a close look at your payment history as well, which includes late payments that you have made and how long it took you to pay the late payment. Other factors that play a part include credit inquiries, length of credit history, unused credit, open credit, and the type of credit you have in use. If ever you feel that there is a problem with your credit report, you need to contact the credit bureau or the source of the problem immediately so the problem can be quickly resolved. After you report the problem, make sure you follow up with...
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Low Rate Car Insurance - Your Credit History and Car Insurance
2007-03-08 17:46:02
This is post one of two in a series about understanding how your credit history can affect your car insurance rates. Although many people are unaware of it, many insurance companies consider your credit history when they are deciding how much your car insurance premium will be. If you are trying to find new car insurance coverage, you should remember that a poor credit history will affect your car insurance rates. While not all car insurance companies look at your credit history, many companies feel that your credit history is directly related to how responsible you are as a person and could be linked to the amount of insurance claims that may occur. This line of thinking makes it more risky to insure people with bad credit, but on the other hand, can help those with good credit to get low rate car insurance. While some companies have begun to look more closely at your credit history, there are other things that are taken into consideration when they’re deciding on your car in...
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Low Rate Car Insurance - Tips for Avoiding a Car Accident (Part Two)
2007-03-08 17:46:02
This is post two of two in a series regarding ways you can avoid car accidents and keep your car insurance rates down. Tip #4: No Tailgating - Many accidents occur as a result of drivers following too closely to the car in front of them. Not only can you end up in an accident by driving this way, you may also be ticketed for following too closely. The combination will increase your car insurance rates significantly, so it is best to maintain a proper distance between you and the car in front of you. A good rule of thumb is to keep at least three car lengths in between you and the next car, and a larger distance is better if you are going faster than 45 mph. Tip #5: Use your Mirrors - When you first get into your car you should automatically check all of your mirrors to be sure that they are correctly adjusted so you can see. While you’re driving it’s wise to constantly check your mirrors so you know what traffic is around and behind you at all times. Many accidents are c...
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Low Rate Car Insurance - Tips for Avoiding a Car Accident
2007-03-08 17:46:02
This is post one of two in a series regarding ways you can avoid car accidents and keep your car insurance rates down. Being involved in an auto accident can instantly raise your car insurance rates, especially if you are at fault. If you want to make sure that you don’t see an insurance hike due to an accident, there are a variety of tips you can follow to help you avoid being in an auto accident. While there are times when you cannot prevent an accident, there are many helpful things you can do to lower your chances of being involved in an accident, which would open you up for paying higher rates for years. Tip #1: Don’t Drink and Drive - You hear this over and over again but people are still foolish enough to think they can get away with it. Statistics show that many more accidents occur when someone has been drinking, since the perception and ability to reason quickly is negatively affected. Before you decide to drive when you have been drinking, consider the harm yo...
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Low Rate Car Insurance - Tips for Reducing Your Car Insurance Rates
2007-03-01 11:45:03
This is post one of two in a series explaining how just three simple tips can help lower your car insurance rates. Adequate car insurance is very important. However, it is not always cheap to keep your vehicle adequately insured. Finding car insurance for a great price can be a difficult thing to do, but there are a variety of ways that you can help decrease your car insurance rates. If you want to lower the premiums that you’re paying for your car insurance, there are a few simple things you can do to get a better deal, including driving safely, decreasing the miles you drive, and comparing insurance plans. Drive Safely One of the most effective ways to get low rate car insurance is to start driving safer, which includes slowing down a little bit and stopping completely at stop signs. Many people do not realize that their past driving record is taken into consideration when they are given car insurance quotes, so having a clean driving record can actually save you a great dea...
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Low Rate Car Insurance - Tips for Reducing your Car Insurance Rates (Part T
2007-03-01 11:45:03
This is post two of two in a series explaining how just three simple tips can help lower your car insurance rates. Decrease the Number of Miles you Drive Many insurance companies offer great discounts for people who do not drive as many miles as others. Some companies offer programs that allow you to report your mileage every couple of months and then offer discounts if your mileage has decreased. Taking public transportation to work or carpooling can save mileage on your car. Working from home and keeping your car parked in a garage most of the day will also do you wonders. Doing all your errands at once can also save you mileage. Just taking simple measures to decrease the number of miles that you are driving each month can result in a nice discount on your car insurance rates. Compare Plans There are literally hundreds of car insurance plans that are available to you, and many insurance companies that offer them. You can find low rate car insurance if you are willing to take the ...
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Low Rate Car Insurance - Your Car Plays a Role
2007-02-28 23:44:06
This is post one of two in a series about how specific car features can affect how much you pay for auto insurance. Almost everyone is looking for ways that they can save money, and one place where many would enjoy cutting costs is on their car insurance rates. Car insurance can get pretty pricey, and believe it or not, specific car features actually play a very important role in determining the car insurance rates you get. If your rates are extremely high, then you may want to consider selling the car you have and investing in a different, more insurance-friendly vehicle. Here are some features that will affect how much you pay… Cars with Smaller Engines If you want to get low rate car insurance, then you may want a car with a smaller engine. Some insurance companies offer lower insurance rates for those who have a car with smaller, 4-cylinder engines. If you have a sports car with a large engine or a four wheel drive vehicle, chances are you will be paying quite a bit more f...
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Low Rate Car Insurance - Your Car Plays a Role (Part Two)
2007-02-28 23:44:06
This is post two of two in a series about how specific car features can affect how much you pay for auto insurance. Cheaper Cars Yes, you probably want to get that great looking sports car or that luxury sedan, because you know how good you’ll look behind the wheel. But what won’t look great is how much you’ll be shelling out for car insurance. The more expensive your car is, the more you can expect to pay on your car insurance. It’s clearly logical but too often, people don’t think about how much it’s going to hit them in the pocket book when they buy an expensive automobile. It’s like buying a house without considering how much you’ll be paying for property taxes. Not only will a cheaper car be less expensive for you to purchase, but you will also be able to save hundreds each year on your car insurance as well. Safety Features The safety features that are included in your car are also very important when it comes to your car insuran...
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How to Get Low Rate Car Insurance with a Bad Driving Record
2007-02-27 23:43:12
This is post one of two in a series describing ways you can keep your car insurance rates low, even with a bad driving record. If you have a less than a perfect driving record, it can be hard to find car insurance rates that fit a tight budget. Before you decide that low rate car insurance is a fading dream, you should know that there are ways to keep your rates low, even if you have a bad driving record. You can still save money and get reasonable rates, even if your record is less than perfect. Less Coverage One way to keep your rates low is to choose less coverage than you had before. While you should not put yourself at risk when lowering the amount of coverage you have, just making a few cuts in your car insurance coverage can help you lower those rates to a level you can reasonably afford. If you have an older car, you may not need collision or comprehensive coverage on your car, and you may want to just go with liability car insurance. Choosing a lower amount of coverage can ...
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How to Get Low Rate Car Insurance with a Bad Driving Record (Part Two)
2007-02-27 23:43:12
This is post two of two in a series describing ways you can keep your car insurance rates low, even with a bad driving record. No More Tickets Another way that you can get better car insurance rates even if you have a bad driving record in the past is to make sure that you improve your driving record and keep it clean. Make sure that you drive safely and keep the speed limit to ensure that you do not receive any more tickets that can drive your car insurance rates up. After a couple years of keeping your record clean you will see a definite decrease in your rates, and low rate car insurance will be more readily accessible to you. Compare Rates Even if you have a bad driving record and are considered a high risk driver, you will want to compare the rates of a variety of different auto insurance companies. Some insurance companies have better rates for those with bad driving records than others, so checking around can save you a great deal of money. If your driving record is sub-par, ...
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Low Rate Car Insurance - The 411 On Car Insurance Discounts
2007-02-27 23:43:12
This is post one of two in a series about how you can save money by applying special insurance discounts to your policy. If you’re trying to find ways to save money, there are a variety of car insurance discounts that can help save you money on your car insurance rates. No matter what kind of car you have, low rate car insurance is possible if you are familiar with special policy discounts. So before you renew your insurance policy, check with your agent, he might be able to suggest some that apply to your current situation. Here are a few you might ask about… Multiple Insurance Disco unts One way that you can get a discount on your car insurance rates is if you have various types of insurance with the same company. Choosing the same company for your life insurance, home insurance, and your car insurance can actually save you hundreds, or even thousands of dollars every single year on all of your insurance plans combined. Multiple Vehicle Discounts Another way to get low ...
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