Monthly Archives: March 2016

2 Money Saving Foreign Auto Insurance Tips

Foreign auto insurance is the most affordable way to protect drivers while traveling abroad. Coverage includes collision, liability and in some occasions may cover breakdowns. Without international insurance drivers may find themselves in an expensive situation in a foreign country. Luckily, here are two ways to save money when buying foreign auto insurance.

The first way to save on car insurance for travelling internationally, is to maximize your deductible. Unless you are expecting a large accident in the near future, a high deductible may be the difference between hundreds of dollars a month on your insurance premiums. A deductible is the amount of money drivers pay for accidents or other liabilities before the insurance kicks in. For example, a small fender bender may cost $250. If your deductible is $200 you will pay the first $200 and then insurance will pay the last $50. A high deductible minimizes your monthly premium and saves drivers considerable amounts of their monthly charges. The best way to maximize the savings from a high deductible is to save what would have been spent on a lower deductible until a small amount is protected for future expenses.

The second way to save money is through discounts. Insurance companies like other businesses are interested in having lots of customers. Often they receive more customers by offering special discounts or premiums. Ask your agent about their discounts for your foreign car insurance. The best discounts to ask about are good driving records, theft devices, defensive driving courses, home ownership, good students, and low mileage. By asking about these important discounts, drivers can save considerable money on their monthly premiums.


Automobile Insurance Tips

Auto insurance can be a very expensive payment and although the price is dependent on several factors, including the company and the type of vehicle, Most times people pay more simply because they did not do adequate research. Here are some essential auto insurance tips that can help you find the most affordable yet effective options on the market.

The first tip is to get a quote. Look for a list of insurance companies online or in the yellow pages and make a few calls. You can also visit the necessary sites, fill out the required information and obtain a free quote. An important auto insurance tip is to ask questions regarding the types of coverage that can be deleted from the quote to lower the price. These auto insurance tips include omitting services such as medical payments, towing, high risk drivers and roadside assistant from the policy.

Make sure to ask each company about the discounts that they offer such as multiple policy discounts, homeowners discount, prior coverage or student discount. Try to take advantage of whichever deal apply to you as it can save a bundle in insurance cost. Make sure to ask all the companies that you contact about their deals and compare them to see which ones are cheaper and can still adequately provide the coverage that you need.

One of the greatest tips is that you can pay a lot less for your insurance by simply making a few modifications to the current policy. You can also add devices to the vehicle that can lower the insurance cost. Geico, one of the most popular insurance companies on the market offers a lower cost for vehicles that are equipped with an electronic key that cuts off the ignition at opportune times.

Other anti theft devices such as anti- lock brakes and other safety features can be very beneficial in acquiring a low rate. Remember to keep these auto insurance tips in mind when trying to find insurance deals.


Shopping For Auto Insurance Tips

When you get your license for the first time before you begin driving you need to get car insurance as it’s mandatory to have car insurance while driving. Car insurance can be rather expensive, especially for new drivers which is why you’ll need to ensure that you’re getting the best deal possible for your money. Insurance companies differ quite a bit in the range of insurance policies they offer and you can always find lower rates and fees when shopping around for car insurance. When you first shop for auto insurance you should make sure you’re not trying to be ensured for a sports car or something similar because these vehicles cost a lot more to get insured due to the higher risk of getting into an accident.

There are always many companies you can shop around with for car insurance and you shouldn’t typically choose the first offer you receive because it’s often not the best offer you’ll find. Instead you should do research on the different available options and find the insurance policy that will best fit your needs. Your monthly payments will rise based on how much coverage you need among some other factors, so make sure that you’re not buying a plan that is giving you too much coverage. If you feel that you’re being ripped off in anyway then make sure you leave immediately and move onto the next insurer.

There are a lot of smaller insurance companies that claim to sell auto insurance but in fact they only sell fake insurance and if you get caught with it could land you in a lot of trouble. To avoid this you should use a company with a good reputation and many satisfied customers. The bigger and more reputable to company the more you’ll end up paying but having real insurance is vital and with some of the smaller companies you might think you’re getting a deal but in fact you’re only getting fake insurance.

Fake insurance policies are being sold like hot cakes to people and most don’t even know that they’ve been ripped off until they get pulled over and the officer notices. This is why shopping for car insurance is important and you shouldn’t skimp on the researching because it could potentially cost you. You don’t need to use the biggest company as they’ll be typically a lot more expensive then competitors but if you can find middle sized company that is reputable with good rates then that’s the ideal situation.

Car insurance isn’t cheap but you absolutely need it if you plan on driving so make sure you have proper insurance. If you get into an accident without insurance you can face fines and jail time depending on whose at fault and if there are any injuries or not. It’s not a joking matter and you could end up paying in jail for not paying for car insurance while in the real world. You can find car insurance through your local yellow pages or also online through many different websites.