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Monthly Archives: May 2017

Find Deals On Online Auto Insurance

Thanks to the magic of online auto insurance quotes, all of the above hassle is no longer necessary. Each of the major auto insurance companies has a system for providing quotes online, and many comparison sites have sprung up that allow you to quickly compare several major companies against each other.

The best part is that you can easily adjust your deductibles to instantly see how it will ultimately affect your total premium. This is the ideal way to learn just how much you are going to pay for auto insurance and to determine just which of the auto insurance carriers will offer you specifically the lowest of rates.

Purchasing your auto insurance via the web is very convenient and simple. Despite the fact that many insurance companies earn less money as a result of having a more informed consumer, this is offset by the fact that these companies don’t lose valuable employee time doing nothing but rate quotes all day long for people. You can search for rate quotes, and make changes over and over again, and you are under no obligation until you decide on a policy, and go through the purchasing process.

Many companies have even developed the technology to let you print out your mandatory insurance cards to place in your vehicle as soon as you complete your purchase. This saves the time and hassle of waiting for these insurance cards to show up in the mail. Some companies are even starting to provide your entire policy as a printout, though they still must send a form for you to sign and mail back.

For most of us, it is necessary to track down the cheapest possible rates, while making sure we choose a company that will stand behind us in the event of an accident. It’s the ultimate balancing act. Some of the review sites online will even provide you with a companies A.M. Best rating, designed to give you an idea of the overall quality of the companies you are comparing. Again, this removes another part of the uncertainty of choosing online auto insurance.

For all of the amazing ways that buying online auto insurance can save you time, money, hassles, and headaches, you may never have to open that section of the Yellow Pages again.

 

Secure Factor You Need to Discuss with Your Car Insurance Company

Steering Wheel Locks

While steering wheel locks may deter thieves from steeling your car, the fact is that most UK car insurance companies will not allow for the fact that you have one to affect the level of your car insurance premium. In short, if the thief is a professional, steering wheel locks are not much of a deterrent.

Immobiliser

If your car has an immobiliser system inserted – such as the Thatcham Category 1 – then you should be talking to your UK car insurance company about ways to reduce your car insurance premium. Indeed, as a security extra on the car in itself, your car having an immobiliser is likely to be the only factor your car insurance company will be willing to listen to when discussing ways to reduce your annual car insurance premium.

Garage

26 percent of all car theft in the UK last year took place right outside the front door of the car owner! So, if you have the ability to lock your car away at night in a garage, then mention this to your car insurance company as there is a very good chance that this will cause you to have a reduced car insurance premium! Remember, however, that if you arrange to have a car insurance discount based on the fact that you’ll be locking your car away all night, you’ll need to make sure that’s exactly what you do – otherwise, if your car is stolen from in front of your house – you may find that your car insurer will not pay out!

Location

64 percent of car crime in the UK last year took place in the neighbourhood of the car owner! In most cases, these were inner city areas. Where you live, and the crime rate in your area, will have a major influence on the car insurance premium you are quoted. So, if you are being quoted a very high UK car insurance premium, it might be time to consider moving!

And finally…

Obviously securing your car is more than just about reducing your car insurance premiums – it is about making sure no one steals your personal belongings. To this end, keep in mind that 90% of car crime in the UK is opportunist car crime, so make sure you minimise the chance that your car will be stolen by keeping your car safe and secure at all times.

 

Things to Do When You’ve to File An Auto Insurance Claim

If you are involved in an accident, particularly in moderate to severe accidents, the first thing you need to do is contact the police. They will arrive quickly and help you sort out what happened, who may be at fault, and contact towing companies to remove your vehicle from the scene of the accident if necessary.

The second thing you should do is contact your insurance company. They will likely want the insurance information of the other driver. Get that information from the other driver if possible, but if they are angry or uncooperative, do not push them. They must give that info to the police, and your auto insurance company can get it that way if necessary in order to process your claim. It takes longer, but it can still be done. This also saves you from escalating an already stressful situation if the other driver is extremely agitated.

An auto insurance claim is simply a process by which you are covered in the event of an accident. If you were at fault in an accident, your insurance company will conduct an investigation, and pay for damages. This will likely result in an increase in your premium, or if you have had multiple accidents over the past few years, your insurance company may drop you completely.

If another party was at fault for the accident, your insurance company will handle to process of handling the claim with the other drivers insurance company. Depending on the severity of damage to your vehicle, they will either issue you a check for the current market value of the vehicle, or they will provide you with information about where you can take your vehicle for repair.

The process of filing auto insurance claims is a very stressful one. However, one possible benefit to this unfortunate event is that you learn quite a bit about your insurance company in the process. It’s very easy for companies to promise the world, until you actually need them. At this point, you have the opportunity to evaluate how they treat you as a paying customer. Are they responsive when you contact hem? Do they process your claim quickly? Do they get you back on the road with a repaired vehicle or a check in a timely manner? Do your rates go up? Do they drop you?

As difficult as it may be to go through, there is simply no better way then having to file an auto insurance claim, to find out if you are with the right company. Here’s hoping you don’t have to find this out for many, many years to come!