Rental Car Insurance

Everyone insures his or her own car. Not only because it is mandatory by law in most states, but also because it offers compensation in case of loss or accidents. When people rent a car, for whatever reason, it may be essential for them to purchase additional insurance.

When a person goes to a rental agency, it is possible to buy rental car insurance coverage. This coverage is generally expensive and may cost anywhere from $8 to $28 per day, depending on where the person is renting the car. If the car does not have coverage, the customer will have to pay any damages from his or her own pocket.

The best option for the customer is to check first with his or her own insurance company. Many insurance companies simply transfer all the coverage on the insured vehicle to the vehicle that has been rented. This coverage typically includes liability or third party coverage, comprehensive and collision with the same deductibles. This saves the customer from spending more.

Also, some credit card companies offer the CDW (Collision Damage Waiver) on certain conditions. A person may have to charge the whole rental amount on the same credit card or decline CDW. It is also necessary to fully understand the terms and conditions set by the credit card company. There may be exclusions or a list of approved rental agencies.

In case a person does not have any of these options, it is advisable to buy CDW. It is always good to have a cover because it saves the customer the burden of paying a huge amount in case of any damage.

There is stiff competition in the market for a share of the insurance buyer's money. It is appropriate to find out the best option before accepting any agreement.

Car Insurance provides detailed information on Car Insurance, Car Insurance Quote, Car Insurance Policies, Car Insurance Company and more. Car Insurance is affiliated with Top Auto Insurance Companies.

Car Insurance Quote

Car insurance refers to a promise of reimbursement made by an insurance company to the insured, in the event of loss due to theft, damage or accident. It is very important to select the right kind of car insurance policy. Thorough research is required to make the right insurance choice. Car insurance quotes refer to an estimate given by the insurance company to the customer prior to insuring. An insurance quote gives a fair idea of how much a customer needs to pay for a particular type of coverage. The quote is decided on the basis of the make and the model of the car, year of manufacture, the individual's driving record and the type of coverage offered.

The process of obtaining insurance quotes is very simple. Various websites provide information regarding insurance companies, insurance policies and the prices offered for insuring cars or automobiles. Another way of obtaining quotes is to call up a few agents and ask for their proposals in writing. To obtain these proposals, the customer has to provide information regarding the car and the type of coverage he wishes to sign up for. It is advisable to opt for sufficient liability coverage to get maximum protection. It is recommended to drop collision and comprehensive coverage if the car is very old or has lost most of its value. The customer must consider whether he needs secondary coverage like emergency road service and rental reimbursement. After comparing all the quotes, an individual must choose the right insurance suitable for his car.
Tip! Auto Insurance Companies – This is a factor which you have control over. Some car insurance companies offer lower rates than others for many reasons.

Most of the insurance companies offer discounts for insuring multiple vehicles from the same company, good driving history and the age of the individual. Beware of companies who offer exceptionally low insurance quotes. They may be new in the market and less experienced. There is no harm in trying out a new company, but they may offer quotes that contain hidden charges and other taxes, which are not initially revealed to the customer. It is advisable to get car insurance from a well-recognized and reputed company.

Car Insurance provides detailed information on Car Insurance, Car Insurance Quote, Car Insurance Policies, Car Insurance Company and more. Car Insurance is affiliated with Top Auto Insurance Companies.

Car Insurance Quotes Online – Money Saving Tips

Auto insurance is a must for all automobile owners, which repay you in case your automobile is stolen or damaged in an accident. Most people complain about the high prices of auto insurance policy. Here we offer you some money saving tips with the help of which you can get the best car insurance quotes online as well as best auto insurance policy.

If you are a new car owner or your previous auto insurance policy needs a renewal then it's time for you to search for a new one. You will be surprised to know that different insurance company offers different premium for the same coverage. Thus, it is in your interest to find a low premium, more coverage best auto insurance policy. Local market search will be not enough, go to the websites of auto insurance companies and request for car insurance quote online.

While requesting for car insurance quote online provide all your details to the auto insurance company such as your name, age, zip code, address, your marital status, car's annual commuting miles and safety features of your car because as default they will surely offer you high car insurance quote online.

Your credit history matters a lot for auto insurance companies. Reviews of insurance companies have shown a correlation between credit scores and risk to an insurance company. Thus, manage your credit score to a positive level before requesting for a car insurance quote online.

During the request for car insurance quote online keep an eye on discounts provided by auto insurance companies, mainly on their websites. With offered discounts, you can drop your premium.

If you have a life insurance policy or health insurance policy or any other insurance, it is recommended to ask the same insurance company for auto insurance. They will surely provide lower car insurance quote online, as you are their client.

By following all these recommendations, we are sure that you will be able to buy the best auto insurance policy to protect your car, truck or any other vehicle against theft or damage.

We offer the best auto insurance online source. Check it out only on the Auto insurance quotes source . Auto insurance tips, guides and competitive quotes on http://www.home-insurance-rates.info

Some Little Known Tips For Reducing Your Car Insurance

Insuring your vehicle can be one of the most costly parts of car ownership. If you have to maintain full coverage insurance the costs can be several thousand dollars a year especially if you are a young male with a couple of tickets on your record. If you have a newer car with a loan on it you will undoubtedly want the most coverage available so that it will be replaced if something happens to it. There are some things you can do to help lower your insurance bill and still maintain good coverage.

One of the things you can do to reduce your insurance rates is find out if membership to any particular organizations may lower your rate. Sometimes there are discounts for members of educational organizations or things like labor unions. Ask your agent if there are organizations you can join to get discounts.

Always shop several insurance companies so that you know they are giving you the best rate possible. I have seen quotes vary by as much as 30% which can save you hundreds if not thousands on your insurance. Use the internet to find several different companies and call them up!

Most companies offer multi car discounts if you insure more than one car with them, the savings can be huge with these discounts. You may also get lower car insurance if you allow them to write your homeowners, health and life insurance. Just placing all of your insurance policies under one roof can lower your bill significantly.

There are special discounts offered for taking driving courses so check those out as well. If you have student to insure there are many companies that offer discounts if they maintain a good grade point average. Other companies offer big discounts to safe drivers if you go for a long time with no accidents.
Tip! Find out whether or not your other insurance providers offer car insurance as well. For example, you may call your home owner insurance provider and discover that they offer car insurance, too.

You should also check the deductibles for coverage. You may find that you have very low deductibles on collision for example that can be raised to lower your insurance premiums. I personally don't think it is necessary to have deductibles as low as $100 on collision especially if you are a safe driver. Raise them to $500 or even $1,000 and it will save you quite a bit on your premium.

Remember that there are significant reductions for safety items like dual airbags and for antitheft devices, particularly if the system disables the ignition so the vehicle cannot be started.
Tip! Increase the excess in your car insurance. Excess is the amount you pay when there are claims made.

Gregg Hall is an author and internet marketing consultant living in Navarre Florida. Find more articles about cars and car care products at http://www.5starshine.com

Men vs. Women in Car Insurance Rates

Why do men usually pay more for car insurance? Do women really get that big of a discount? What is the deal? In a word: statistics. Young men tend to drive faster, not wear seatbelts, drive more, reckless driving, and possibly dui's. What can you do about it? Nothing. But I can help you understand why.

Typically, young male drivers ages 16 to 25 have to pay more for car insurance than for females of the same age, driving the same car, for the same coverage. It's statistics. I'm getting tired of that word already, but there is a true gender bias that makes men pay more money for insurance.

Men drive more - why? Maybe driving their dates? Women typically don't drive their dates. What about teenage daredevil driving actions? Its called reckless driving and sometimes fun, it sometimes ends up in an accident. Accidents mean less money for the insurance company.

Are men dumber? Longer learning curve? Are they just not paying attention like the females? We may never know the truth. I'm no psychologist and couldn't begin to give you a straight answer.

I can give you good news. When a male driver turns 25, then the insurance rates go down. As you get older, maybe you gain more experience. Maybe the statistics change. Of course they do or the rates wouldn't drop.
Tip! You can get accurate comparison quotes, one of the best ways to find out how much you can save on car insurance.

Also, if you get married, your rates will drop to the floor. Again, statistics say married men are calmer and drive more carefully. I think its due to them not chasing women all the time.

But will the women catch up? There are more female drivers than there were 40 years ago. Their accidents are statistically on the rise. I would hate for them to have to pay the higher rates and I know they won't as the insurance company will only rely on statistics and as they change, hopefully, so will the insurance rates.
Tip! Discounts of multi-car owner or multi-driver. If you have two drivers with the same car insurance policy, you can get this discount.

Stuart Simpson http://www.car-insurance-denver.com/

Car Insurance Shopping: Should You Buy Direct Or Through An Agent?

The Internet has really changed how people can shop for car insurance. You can quickly compare quotes between different companies from the comfort of your home or office. You can get a lot of information to help you make decisions without dealing with pushy salespeople. But when you actually buy your insurance, does it matter if you buy direct or work with an agent?

There are basically four ways you can buy your insurance:

1. Directly through an Internet site. This way you make all of the decisions about your coverage on your own, pay your premium online and not speak with a representative or insurance professional.

2. Direct, through a telephone representative. Typically, you call a toll-free number for a single company, a representative takes your information, may provide you some options and you can pay over the phone or receive a bill.
3. Through a captive insurance agent. A captive agent works for one insurance company. They can provide you different options and may help find ways for you to save on your car insurance.

4. Through an independent agent. An independent agent represents several different insurance companies. They work hard to get the best value for their customers by researching several companies.

Going direct through an Internet site or telephone rep may work for you if you are the type that likes to do all the research and want to minimize the people you talk to.

The advantage of working with agents is that they want to develop a relationship to keep your business. Thus, they work hard to make sure you're satisfied. This includes trying to find your best rate on car insurance, answering your questions quickly and helping your claims go through quickly. Though they're getting paid commissions from the companies they represent, agents tend to be very protective of their customers.
Tip! Insurance Agent – The car insurance agent has been the single most successful means of insurance distribution in insurance history. The neighborhood agent has ties to the community and is easily accessible.

Whatever method you choose to buy your car insurance, just make sure to get at least three quotes while you're shopping.

Scott Lunt is a freelance writer with over 15 years experience writing insurance-related articles. You can find more tips on saving on car, home, life, health and long-term care insurance at LowerYourInsurance.com You can also compare car insurance quotes in your area as well.

High Risk Car Insurance

Bless your heart if you fall into a high risk category of the car insurance world. High risk means that you are a high risk to the insurance company and this could be for various reasons. Let me give you some idea so you can decide if you can afford to be in the high risk category.

Accidents almost always put you in the higher category unless you have a clean record and this is your first accident. Then, you might be spared. Otherwise, you'll be in for an expensive insurance payment for the next 3 years until these accidents are cleared off your record.

DUI or DWI. Unfortunately, these charges hang around for a while and even if you have a one time offense and otherwise clean record, you still may be penalized and put in the high risk group. Best bet - if you drink, don't drive. Hello? McFly?

Always pay your insurance. If you miss payments or decide not to carry insurance for a while, then you have created a gap. Insurance companies know when you have gaps in coverage. This is an indication that you won't pay them on time and puts you in a higher category. Why? Well, you quit paying and they quit making any money. They have to reissue policies or reinstate old policies. Best bet - pay your bills and pay your insurance on time.

One option that is under your control is the type of vehicle you drive. If you buy a new corvette with 505 hp and expect to get the same cost insurance as if you were driving a Ford Explorer then you are too goofy to be driving a corvette. If the car you chose even has a hint of being "sporty", then you might be bumped into the high-risk group. It is all about statistics and cost of repairs. I'm sure smashing up a big money corvette will cost more to repair than a Toyota corolla.

How can I lower the rates? Don't have an accident. Don't buy the new corvette. Buy an old heavy car that's less likely to be stolen and for goodness sake, don't drink and drive. If you have already fallen into one of these categories, you might still be able to lower your insurance. Ask you agent about raising the deductible or other advice - put the monkey on his back and see what he can do to get your rates to a manageable level.

Stuart Simpson

http://www.car-insurance-denver.com/liability_car_insurance.php

Car Insurance - Protect Your Second Wife!

Auto insurance in general, which includes car insurance is an insurance consumers can purchase for cars, trucks, and other vehicles. It's mainly meant to provide protection against losses incurred as a result of car accidents and also thefts of vehicle. It also includes losses arising due to natural calamities. To have your car insured is mandatory by law. When you insure you get a "policy" which is based on a variety of factors including the type of car you drive, as well as what kind of insurance you want, as these policies are actually a package of different types of insurance coverage. They can be classified as:Liability - This coverage pays for accidental physical injury of the body and damage to others' property. Injury damages include medical expenses, pain or suffering and lost wages. Property damage includes damages to the automobile. This coverage also pays for defense and court costs. State laws fix how much liability coverage you must purchase, but you can also get more coverage if you wish. · Collision - This insurance pays for damages to your vehicle caused by collision with another vehicle or object. · Comprehensive - This coverage pays for losses or damages to the insured vehicle that doesn't occur in an auto accident. The possible types of damages comprehensive insurance cov ers include loss caused by fire, wind, hail, flood, vandalism or theft. · Medical Coverage - Pays medical expenses regardless of whose fault it was as long as the expenses are caused by an auto accident. · PIP - Personal Injury Protection (PIP) - This coverage pays medical expenses for the insured driver, regardless of whose fault it was, for treatment due to injuries arising in an auto accident. · Uninsured Motorist - Pays for your car's damages when an auto accident is caused by another driver who doesn't have liability insurance. · Underinsured Motorist - Pays for your car's damages when an auto accident is caused by someone who has insufficient liability insurance to settle all your claims. · Rental Reimbursement - This type of insurance will pay for a rental car if your rented car is damaged due to an auto accident. Often this coverage has a daily allowance to be paid for at the time of renting a car.
Tip! Auto Insurance Companies – This is a factor which you have control over. Some car insurance companies offer lower rates than others for many reasons.

Certain insurance policies club together a number of these types of coverage. Depending on the laws that exist in your state you have to choose the insurance you want for your car. Even though the state may not require extensive insurance, extra coverage may be worth the expense as it is possible that you may be straddled with thousands of dollars because of an auto accident.

NamSing Then is a regular article contributor on many topics. Be sure to visit his other websites Car Insurance, Health Insurance and One Stop Information

Rising Car Arson And Insurance Fraud Costs Everyone

Due to the recent economic slowdown which is evidenced by every indicator (except the ones George Bush uses) car and SUV owners with payments they cannot afford are turning to arson to break their debts. This isn't new, however as car arson (or torching) and insurance fraud have been going on for decades.

The problem is that it is now seen in direct correlation to the economy. When the economy is positive, the level of insurance fraud tends to taper off. When the economy experiences a slowdown or negative growth (George Bush would probably call this a lull or some other four letter word) people find them selves with debts that they can no longer afford and are trapped in. As times get more desperate, the higher the number of people willing to burn or have their vehicles burned and risk getting caught.

During the last two years there has been a marked increase in car arson and insurance fraud in every state from California to North Carolina. Yes, there are cars that were really stolen, vandalized and then burned, but there is a marked difference. In cases of true theft, the thief is usually trying to remove anything that could link it back or identify themselves. In the case of a intentional burn in insurance fraud, the arsonist will attempt to make the car become rendered totaled (so far gone it cannot possibly be fixed). Usually, arson investigators will find accelerants were used like gas and other flammable liquids.

Due to this increase in car arson and insurance fraud cases, arson task forces have ben set up in many counties. In California they have even linked new and used car dealership personnel as instigators in many arson cases. Someone comes into the dealership overloaded with debt and wants to get out of a high car payment by trading in their car or vehicle. They find out they are "up side down", a term referring to the fact that they owe much more than their car is worth. The salesperson or similar employee, realizing money can be made, refers them to a local arsonist and the car is then burned. There have been numerous published cases like these and they are growing.

The problem here is four fold; people are being sold cars they can't afford, they aren't taking the proper responsibility for their debts, they aren't properly schooled on debt, and the result is an increase in insurance costs for everyone. These can all be fixed. In California numerous consumer protection laws have been passed which obligate the dealer to be more responsible, but more needs to be done like enforcing maximum debt ratios. There should be standard education in secondary schools on debt and money management.

If we can offer classes on home economics (cooking), marketing, and UFO's, Madonna, etc… (just look at a Cal Tech class list), then we can offer or make mandatory a class on debt and money. According to many experts like Suze Orman and Anthony Robbins, debt, money, wealth, and happiness can all be learned and taught. A class on debt and money management should also be mandatory for all politicians (Could you imagine how great are economy would be if George Bush envisioned America's economy as his own and tried to cut the national debt instead of tripling it?) Debts are obligations we create and there are legal ways out of debt. Car arson and insurance fraud hurts everyone, not just those who commit it.David Maillie specializes in automotive safety products and information. He holds numerous patents and awards for his patented headlight cleaner and restorer. For more information, tips, safety and money saving products for your auto please visit http://www.mdwholesale.com

Cheap Car Insurance May Hurt YouCheap Car Insurance May Hurt You When Disaster Strikes When Disaster Strikes

Car insurance is a necessity that most of us would like to save money on. There are certainly ways to lower your auto insurance costs, but if you're not careful you could put yourself at financial risk. This is especially true if you live in areas prone to storm damage. Here is some advice to make sure you have the right protection for your situation.

Understand the risks of storm damage where you live or are visiting. A single hailstorm can wreak thousands of dollars in damage on vehicles in just a small area. Hurricanes, tornadoes, floods, wildfires and other severe storm weather causes more and more damage to vehicles every year. In fact, the Insurance Information Institute notes that the number of vehicle damage insurance claims due to these disasters nearly doubled between 2001 and 2005.

Understand your auto insurance policy and coverages. Raising your deductible or eliminating comprehensive coverage can save you money on premiums. However if you live in an area prone to severe storms, it may be more cost-effective to have better coverage or lower deductibles. Talk to your agent if you're not sure.

When shopping for car insurance, only work with reputable companies and insurance agents. Your car insurance is only as good as the company that provides it. When you shop for car insurance, make sure you're dealing with a financially stable company with a good reputation. Get at least three quotes and ask questions about both saving on insurance costs and making sure you have adequate protection.

Think about adding rental car coverage. It may add a little to your premium, but if you're out of a vehicle for several weeks while it's being repaired from storm damage, you could spend hundreds renting a car.
Tip! Find out whether or not your other insurance providers offer car insurance as well. For example, you may call your home owner insurance provider and discover that they offer car insurance, too.

If your car is damaged, before authorizing any repairs understand the work being done, what's covered by your policy, and if the repairs are covered by warranties. Get more than one estimate on the work if possible.

Scott Lunt is a freelance writer with over 15 years experience writing insurance-related articles. You can compare car insurance quotes in your area and find more tips on saving on car, home, life, health and long-term care insurance at LowerYourInsurance.com.