Car Insurance Snoop

Britney Spears and Car Insurance Premiums

2008-01-15T16:24:00.000-06:00

Did you know that people such as Britney Spears cause the cost of car insurance to rise? Consider the following thoughts.

Car insurance premiums (in part) are calculated using mathematical data including statistics on car accidents. Those statistics are simply a reflection of the driving incidents of people. People like me, you, Britney Spears and everyone else. However, some people have a greater impact on those statistics than others.

Do you remember when Britney Spears was involved in a rather serious auto incident? Those types of incidents are some of the most costly to insurance companies. Where do you think a car insurance company gets the money to pay for claims? From car insurance premiums which are usually spread out among all car insurance purchasers (pretty much every adult who owns a car).

So, next time you hear of someone like Britney Spears or anyone else doing something goofy like that – remember that it’s not so goofy when you realize it affects your bank account.

Car Insurance Snoop

Cheap Car Insurance for Teenagers

2007-10-27T18:37:00.000-06:00

Looking for cheap car insurance for your teenage drivers? Here’s a true story you can learn from. A friend of mine (we’ll call him John Smith) has two teenagers (that’s right, two teenage drivers), he had car insurance from the same car insurance company for almost twenty years.

John contacted his longtime car insurance company to find out if he could “do anything” to move the drivers around (teenagers) - from one car to another – thereby lowering the premiums. His longtime car insurance company said no.

Desperate, John began to shop around. Eventually he found a car insurance company who would move drivers around (teenagers) on the different cars in an attempt to lower the car insurance premiums. I don’t remember exactly, but I think he said he would be saving close to $1000 a year in car insurance premiums – that’s cheap car insurance.

John went to his car insurance company of twenty years – explaining that he would be changing car insurance companies – he was polite and stated he regretted making the move but he would be forced to make the change - given the cheap car insurance he had found.

Hearing the bad news, his car insurance company had a “quick meeting” and decided they could help John after all. When he walked out of his car insurance company of twenty years – John had lowered is car insurance premiums by about $1200 per year (teenagers included with basically the same coverage).

Needless to say, he was very happy with the new premiums, but very unhappy with the way his long time car insurance company had treated him.

So what you say? Learn this: Car insurance companies – when push comes to shove - are much like any other business. They don’t want to lose a customer and they want to get new customers. Car insurance companies can be more flexible than they let on (usually) - if you give them a chance. Learn from this story – how you too can play one car insurance company off of another in order to get that cheap car insurance for teenagers that you and your family deserve.

E Lawrence Welch

Car Insurance Snoop

Financial Pizza Blog

Car Insurance on the Cheap

2007-09-09T20:09:00.000-06:00

Car insurance can be one of your largest monthly expenses. Often car insurance premiums can cost more than a car payment. Taking your time to find cheap car insurance can save you thousands of dollars over a few years. Your best chance for finding cheap car insurance is to check out every car insurance company you can find. You’ll see ads for cheap car insurance quotes on the internet almost everywhere you look. However, keep a few things in mind when you’re shopping for cheap car insurance.

Most car insurance companies will try to get you to sign up with them before you have a chance to find out what the other car insurance companies quotes will be. One strategy the car insurance companies use is to have you give them all your contact information when you request the car insurance quote. Trust me, they’ll be calling you. It’s ok to give the car insurance companies the information they desire – they’ll need it to offer you an accurate car insurance quote. However, when a person from the car insurance company contacts you to offer you your cheap quote – it’s vital that you don’t accept that offer until you’ve received all your other car insurance quotes.

One strategy for dealing with car insurance companies who are quite assertive in their attempt to get you to accept their cheap car insurance quote is to have a “line” ready to tell each of them who contact you. You don’t need to worry about being rude or anything. You simply say “Thanks for the car insurance quote, but I will not be making a decision until I receive all the car insurance quotes I’ve requested - have a good day” - then hang up the phone. You can even read it from this article. They will probably try to say something else to get you to accept their cheap quote –however, you will have already been hanging up the phone. Be sure to offer this same response to each salesperson who contacts you about the cheap car insurance quote.

Next, continue your research collecting car insurance quotes from every car insurance company you can find. Don’t let the salespeople talk you into anything. After you’ve received each of your car insurance quotes – take a close look at all the car insurance policies. Pick out two or three of the car insurance policies with the cheapest quotes, compare the car insurance policies to make sure they are similar with the same insurance coverage. Now, you’re ready to pick the cheap car insurance quote and contact the car insurance company with your decision to purchase the cheap car insurance, not the decision that a cheap car insurance salesperson talked you into.

E Lawrence Welch

Car Insurance Snoop

Financial Pizza

Auto Insurance and the Uninsured Motorist

2007-08-24T18:34:00.000-06:00

Auto insurance is actually a great thing. I realize it gets old when you’re required to purchase anything – especially insurance you might not even use. Since you’re required by law to purchase auto insurance anyway – you should take a serious look at purchasing uninsured motorist insurance. Often, the extra coverage doesn’t add much money to your policy – but the consequences of not owning uninsured motorist with your auto insurance policy could be devastating.

Just as people are legally required to obey the speed limit – often folks make the choice of exceeding that speed limit…..right? Well, just as auto insurance is required by law – sometimes people make foolish decisions to drive without auto insurance – the uninsured motorist. It happens – don’t be fooled. Every day people drive without proper auto insurance coverage. Sure, they’ll most likely get caught sooner or later. But think about the potential consequences to you if they happen to cause an auto accident – causing serious damage to your vehicle? Will your auto insurance policy cover the damage to your vehicle? If you only have liability auto insurance – your coverage will probably only apply when you cause an auto accident and damage to another person’s vehicle. This means the uninsured motorist will have caused serious damage to your vehicle – and nobody is going to help you fix your auto. Sure, you can try to sue this person – however, if they’re driving illegally - without any auto insurance – you probably won’t be able to get a dime out of them anyway. Not good!

This is why I would recommend you take a look at your auto insurance policy and check to see if it covers damage from the uninsured motorist. If your auto insurance policy doesn’t cover uninsured motorists – you should ask how much money it will cost to add this coverage. It might only cost a few dollars extra per month.

E Lawrence Welch

Car Insurance Snoop

Pyle Mountain Holsters

Auto Insurance Quotes – 3 Do’s and 3 Don’ts

2007-08-24T18:00:00.000-06:00

Auto insurance quotes are not unlike many other products for which you shop online. You truly need to shop around for them. Take a look at this list of 3 things you should do and 3 things you shouldn’t do when shopping for the best auto insurance quotes.

First we’ll take a look at 3 Do’s:

1) Make sure you get auto insurance quotes from at lease five auto insurance companies. Don’t jump at the first good rates you see. After all, you wouldn’t purchase the first auto you look at on the lot – shop around.

2) When submitting information required to receive your auto insurance quotes – make sure you submit information that is as accurate and complete as possible. The auto insurance quote is only as good as the information you submit.

3) Make sure the auto insurance quotes you get are for similar auto insurance policies. If the auto insurance policies are different – you won’t be able to trust the quality of the auto insurance quotes.

Now, we’ll take a look at 3 Don’ts:

1) Don’t let the sales person who contacts you with your auto insurance quotes talk you into switching to their company until you’ve had a chance to analyze the auto insurance quotes from each insurance company.

2) Don’t let flashy auto insurance gimmicks motivate your decision to change auto insurance quotes. Often these flashy gimmicks sound good – but you probably won’t even use them.

3) Don’t forget to obtain auto insurance quotes with a wide range of deductible amounts. I’ve found that by raising my auto insurance deductible amount by only a few hundred dollars – I’ve saved thousands over the long haul.

E Lawrence Welch

Car Insurance Snoop

Pyle Mountain Holsters

Car Insurance Quotes – 5 Steps to the Best Quotes

2007-07-02T21:52:00.000-06:00

Car insurance quotes have become quite popular. Everywhere you look – someone is telling you how much money you’ll save – enticing you to look up their car insurance quotes. Before leaping into the murky pool of car insurance quotes – take a look at these five steps that will surely help you get the best quotes.

1) There are many car insurance companies that will gladly compete for your business. Obtain car insurance quotes from at least five car insurance companies. After all, most people shop around before making a major purchase – it only makes sense to shop around when looking for car insurance quotes.

2) When filling out the necessary information to obtain car insurance quotes – be certain the information you submit is accurate. Car insurance companies tend to find out “things” anyway, so you might as well be as accurate as possible. Car insurance quotes are only as good as the information upon which they were calculated. It’s important that the information you use to obtain your quote is the same information the car insurance company will use when writing your policy.

3) Obtaining car insurance quotes will usually require that you submit information such that a “salesperson” will be contacting you sometime after you receive the quotes. It’s important that you don’t let this person talk you into purchasing a car insurance policy until you have received car insurance quotes from all of the insurance companies you’re researching. You don’t need to be rude – but simply inform the “salesperson” that your research is not yet completed and you won’t be making a decision today.

4) When you have received all the car insurance quotes – narrow the list down to the two best quotes. Do some research on those two car insurance companies. Focus on the aspects of service which are most important to you.

5) Most importantly, make sure you are the person in charge of the car insurance quotes. More specifically, take all the necessary steps to insure that you will truly receive those rates that were quoted. In other words, don’t let a car insurance company offer you attractive car insurance quotes – then tell you later that because of “this or that” you will need to pay more. Remember, you are the customer – you’re in control and there are many other car insurance companies that will always be interested in your business.

E Lawrence Welch

Car Insurance Snoop

Cheap Car Insurance Companies - Where to Find Them

2007-06-22T14:14:00.000-06:00

Cheap Car Insurance Companies - Where to Find Them
By Brian Stevens

You may think car insurance rates are the same from every insurance company, but in fact some car insurance companies have much cheaper rates than others. Where can you find a cheap car insurance company next time you're ready to buy car insurance? Easy – on the Internet.

Find Cheap Car Insurance on the Internet

The Internet lets you easily compare car insurance rates so you know you're getting a cheap price on your auto insurance. To find cheap car insurance companies you need to visit an insurance comparison website.

When you visit an insurance comparison website, you type in your vehicle and driving information on one easy form. You then receive quotes from a variety of companies, which you can compare to make sure you're getting the cheapest rate.

On the best insurance comparison websites, you can even talk online or by phone with insurance professionals and get answers to all your car insurance questions. (See link below.)

Cheap but Reliable

Of course, when you buy car insurance, price isn’t your only concern. You want a cheap quote, but you also want an insurance company that's going to be stable and reliable. Fortunately, all the quotes you get on insurance comparison websites are from A–rated companies, which means they are financially strong.

You also want an insurance company that offers good service. To check on the service record of an insurance company, follow these tips:

* Check their website to see if it's informative and helpful.

* Check your state’s department of insurance website to see how many complaints have been filed against the company.

* Check ratings for the company with J.D. Power & Associates (jdpower.com), and A.M. Best (ambest.com).

By shopping for car insurance on the Internet, you can be assured that you're getting a cheap rate with an excellent company.

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

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on cheap car insurance companies.

Article Source: http://EzineArticles.com/?expert=Brian_Stevens
http://EzineArticles.com/?Cheap-Car-Insurance-Companies---Where-to-Find-Them&id=616691

Cheap Auto Insurance – Do You Really Want It?

2007-06-18T17:31:00.000-06:00

Cheap auto insurance is big business these days. It’s hard to watch television without being promised cheap auto insurance premiums with excellent service. But, do you really want cheap auto insurance? It would be worth your time to think over a few things.

1) The old saying – you get what you pay for is a good place to start. When looking for cheap auto insurance – don’t stop your research at the cheap premium. Those cheap premiums might not be so cheap in the long run if the auto insurance company won’t come through for you when you need them. It would be worth your time to look at some auto insurance reviews.

2) Auto insurance is big business and businesses are looking to make as much money as they can. To put it bluntly, the auto insurance companies are looking to take as much money from you as possible – while paying as little money to you as possible. This is a business fact of life.

3) Another factor to consider is the amount of money a company spends on advertising. Those television commercials promising cheap auto insurance are quite expensive. Remember, every dollar the auto insurance company spends comes out of its customer’s pocket. Just remember, a company that spends a lot of money advertising cheap auto insurance might end up costing more money later.

4) Finally, don’t underestimate the dollar value of great service. In my world, time and hassle equal money. If I find myself spending a lot of time and hassle with a business such as auto insurance – its true cost is rising. Just don’t find yourself getting so excited about the promise of cheap auto insurance that you overlook those other important details.

E Lawrence Welch

Car Insurance Snoop

Car Insurance Reviews – Page One

2007-06-15T14:58:00.001-06:00

Before leaping out of one car insurance policy and into a new one – promising lower premiums, better service and guardian butterflies – it might be worth your time to study some car insurance reviews. Take a look at these 3 tidbits of information we learned while browsing a few car insurance reviews.

1) You need to pay close attention to your car insurance coverage when performing activities that are “out of the norm”. For instance, one customer began work as a courier (requiring the use of her automobile). Due to a miscommunication – she believed her insurance policy covered her courier activities – only to discover later that she was not covered for an entire week. She was fortunate – she didn’t have a car accident during this time period – however, her story shows us the importance of making sure we understand our car insurance coverage.

2) Although it could be a challenge – it would be wise to investigate the customer service department (or car insurance reviews about them) of any car insurance company you might be thinking about switching to. During our research – we discovered a number of incidents where the insurance companies were quite difficult to work with when their clients were trying to process a claim (even when the accident was NOT their fault). Good customer service is definitely worth money and should be taken into consideration when researching a car insurance company.

3) Don’t make the mistake of assuming that an insurance company will be the same in one state as it is in another. Car insurance companies are governed by state laws. These laws vary from state to state. Don’t make the mistake of assuming that a car insurance company (or car insurance policy) will be a certain way in your state simply because your brother-in-law (or some other person) - who lives in another state – describes it that way.

You can research a number of great car insurance reviews at CarReview.com.

E Lawrence Welch

Car Insurance Snoop

Car Insurance of the Future

2007-06-14T20:08:00.000-06:00

Car insurance companies spend millions of dollars in advertising – working to lure us from one company to another. The daily bombardment of promises of lower rates, better service, and more rewards becomes quite old after a while. Don’t you grow tired of all those television commercials? Wouldn’t it make sense for someone to develop a forward thinking car insurance business model of the future with the following characteristics:

1) Anyone seeking the lowest car insurance premium for predetermined policy criteria should be able to submit a “profile” to any number of car insurance companies (or a third party company). This profile would contain all the relevant information needed in order to write a policy.

2) Every so often, each of those car insurance companies (or third party) should review your profile and if desired, offer you their lowest premiums for a predetermined policy.

3) The outrageous amounts of money currently being spend on advertising could be redirected to the cost of reviewing individual profiles – and the money remaining would of course lower the premiums and increase the shareholders wealth.

4) In essence, each of the car insurance companies would be in a perpetual state of competition for your business. And they would be doing the work - not us. After all, they already know their "fine print".

5) Essentially, you would have any number of car insurance companies working for you at all times – making sure you’re paying the lowest premiums for a given policy and risk profile.

Feel free to offer any comments – maybe this idea is already in practice but I’ve been unable to snoop it out? :)

E Lawrence Welch

Car Insurance Snoop

Car Insurance & Lower Premiums

2007-06-14T18:07:00.000-06:00

Car insurance is like many other things in life. In order to get the lowest prices (lower premiums) – you’ve got to do a little extra work – but it’s worth it. Take a look at the following thoughts – your bank account will thank you in the end.

1) Car insurance companies are like other businesses – they’re interested in making lots of money. How? In order for car insurance companies to make the most money – they will need to pay you (the customer) the least amount of money. Contrary to what you’ve seen on those commercials – car insurance companies don’t really want to pay you any money. When you begin to understand this – you’re on your way to lower premiums. Try to look at yourself from the car insurance company’s perspective. The only way you will be paying less money (lower premiums) is if the insurance company doesn’t believe it will be paying you money for claims.

2) The key to lowering those car insurance premiums boils down to the way you drive and what you drive. Car accidents, driving tickets, insurance claims all serve to increase your risk profile. A person with a high risk profile will pay higher car insurance premiums than a person with a lower risk profile (all else being equal). Make a plan to lower your risk profile over the next few years - begin practicing defensive driving techniques and keep those driving citations to a minimum – you’ll be taking a huge step toward lowering your premiums.

3) Car insurance premiums can be lowered in the short term by driving automobiles which are more “car insurance friendly”. Some cars have higher premiums for reasons such as theft, etc. Others are higher because they’re worth more money. Another way to lower your premiums is to raise your deductible. A good rule of thumb is to set your deductible as high as you can afford. Often this alone will save you a lot of money.

4) Another good practice is to keep up with the decreasing value of your car. During a conversation with my mother – I learned she was paying semi-annual car insurance premiums in excess of the value of her car. Since the insurance company would only be paying her about $200 if her car was totally destroyed – she decided to reduce her coverage to liability only.

Lastly, remember to do your research and educate yourself. The more you know about the car insurance business - the better you’ll do when shopping for lower premiums.

E Lawrence Welch

Car Insurance Snoop

Car Insurance Quotes & More

2007-06-12T18:35:00.000-06:00

Car insurance quotes are only one side of the car insurance story. Before you switch to a different car insurance company – consider following thoughts:

1) Car insurance quotes are only quotes. Quotes are not necessarily the real car insurance prices you will pay in the end. Don’t switch your car insurance on a whim. Do a little research first.

2) Don’t let car insurance quotes be the determining factor in choosing a new insurance company. You might save some money – but you might spend the difference in aspirin for the additional headaches caused by the cheaper car insurance company.

3) When seeking accurate car insurance quotes – make certain you submit information as accurately as possible. After all, the quote will only be as good as the information you’re able to offer. Many times, the car insurance quotes will not be valid – depending on the accuracy of the information you’ve submitted.

4) Watch out for the fine print that comes with those lovely car insurance quotes. Fine print is a fact of life – don’t miss an important detail. I know it’s hard to resist the car insurance quotes – but don’t be caught off guard.

5) Last, if it sounds too good to be true – it probably is. This applies to car insurance quotes as well as many other aspects of life. Do your homework – use the car insurance quotes as a tool in conjunction with your other research and be sure to ask the company a lot of questions about those lovely car insurance quotes.

E Lawrence Welch

Car Insurance Snoop

2007-06-12T17:57:00.000-06:00

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