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Monthly Archives: August 2018

Purchase Vehicle Insurance

Firstly, find out how much vehicle insurance you actually need?

It is always important for drivers to be fully insured for any type of mishap that may happen whilst driving, however, depending on your location you may be required to have a certain type of vehicle insurance if you are of a certain age, driving level skill i.e. how long you have driven for, your gender and most importantly your age and the distance you travel. Are you driving long distances every day or only using your car for driving to work and back short distance? You may want to save some money by using a third-party insurance cover which covers only property damage. Are you a younger driver or a senior citizen? You may want to invest in a more comprehensive cover which will protect you from larger accidents were they to happen.

Some insurance companies will rate drivers differently according to age, gender and experience you should always have that in mind when shopping around for insurance in order to look for companies that will give you the best deal according to the consumer, you!

Now secondly, how to you go about shopping for the best deal?

Time to begin shopping! It is important to mention that with most new vehicle purchases – depending on your location – You will be required to buy full comprehensive insurance, especially if you are buying a new car, then your decision-making has just been made easier! But for those of us who couldn’t afford a brand new car – not yet anyway – here are some options to look for.

Vehicle insurance companies will vary largely, depending on your driving record, the type of vehicle you would like to insure and your credit history so it’s wise to do some research. It’s important to do a quick Google search for vehicle insurance comparison websites and take a look, you will find there are 3 main types of insurance companies such as:

1. Direct sellers – These are insurance companies which will bypass traditional insurance brokers and sell directly to you which usually mean there’s no agent to pay a commission to so the savings are passed on to you! Because of this, these sellers usually accept only the very best drivers, something to be watchful of if you have any prior driving violations.

2. Large National brands – Although their pricing may be a bit more expensive than the previously mentioned, these insurance companies are better equipped if you may have a bit of a blotchy past, they are also usually good at matching the pricing of the direct sellers.

3. Independent insurance agents – These sellers offer all kinds of insurance from different companies, good if you are trying to compare different policies from different insurers and you are finding difficulty due to perhaps a patchy record.

Stages of Car Insurance

The application stage. This is where you fill out an application to get car insurance. You will need the following documents to apply: a social security number, driver license number, knowledge of driving history, and credit information for all applicable drivers.

The approval stage. After submitting your application for insurance, an insurance provider will show you which plans are available, and for how much. Your annual premiums will be determined by a number of factors including,but not limited to, your age, location, gender, driving history, and marital status.

And finally, the maintenance stage. After being approved for insurance, this is the final stage. In this stage your goal is to keep your costs down by driving safely and reducing the risk you present. You should check with your provider for deals, or look around at competitor’s deals every three to six months. It is not hard to switch insurance providers, and it’s worth looking to find a company that keeps you happy.

You are currently in stage one, getting ready to apply. Everyone driving has been there. And if you just take the first step, either by calling a rep or using an online service, you will find that it’s quicker and easier than you expect.

By using services like Progressive or InsureMe, customers are comparing the rates of companies and their competitors. Users are finding themselves making more informed buying decisions when they can compare plans side by side.

Article Source: http://EzineArticles.com/8086383

Avoid Related Car Accidents

Should you absolutely need to drive in icy road conditions the tips below will be a helpful safety guide.

• Buckle up the safety belt. While this is a given, it is especially important for the driver and passengers to secure themselves before riding in a vehicle in icy weather conditions.

• Don’t drive fast! Speeding in the ice can make tires lose essential traction and cause a driver to dangerously lose control. Exercise extra caution and drive especially slow when in contact with black ice.

• Turn in the direction the car slides to! Steering towards the direction your car or truck is going from the rear is the best way to keep control. In the event you turn too far off, change course and steer in the opposite direction.

• Do not slam on the breaks! Putting excessive pressure on the breaks can make you slide and lose control in icy weather. Remember that the car’s antilock feature will not work properly in these conditions so don’t think you can rely on them!

• Avoid hills or inclines. This is a no-brainer. When gravity mixes with the already unfavorable conditions of iciness, you can find yourself without control and in a very risky circumstance.

• Save the saving for the authorities! Though you are a nice guy, kindness in a situation that can cause a collision is not kind. Do not stop to assist those in an accident because you may slide, exposing yourself and other drivers to the potential dangers of a single or multi-vehicle accident. When it is safe to do so, call the authorities and direct them to the scene of the accident.

And don’t forget, if you do find yourself involved in a vehicular accident, call your independent insurance agent as soon as you notify police. Your insurance professional will direct you in a trying time so the incident will end as favorably as possible.

Van Insurance Policies

There are plenty of insurance policies that you can choose from. The most common ones are:

Third party only (TPO): This is the minimum level of insurance cover that you need into drive legally on the road. The insurance company pays for the damages caused on others but it won’t pay for your losses. This means that you are liable for the repair costs of your van in the event of an accident or theft. Due to the simple nature of this insurance, it’s cheap.

Third-party, fire and theft: This policy covers you in the event of an accident that came about as a result of your fault. In addition to covering you, the policy will also cover the damage caused to another vehicle, property and if people were injured in the process, the policy pays for the people’s medical treatment. This policy also covers you from theft. When your vehicle is stolen it’s good to note that you will have to pay the excess. This is usually the first amount of claim that you are placing.

Fully comprehensive: It’s the most extensive insurance cover. It provides you with protection against damage to your van, your property, and even to yourself even if the accident was your fault. The cover will provide you with protection against loss of personal effects, damage to your vehicle, medical expenses, and even breaking of the windscreen. You should note that the policy doesn’t cover you in the event your van breaks down. If you want to be protected you have to get a separate van breakdown cover policy.

Different companies sell their policies at different amounts. It’s up to you to research and find a company that will sell you insurance cover at a favorable amount. You should visit different companies and collect quotes. When the companies are determining the amount that they will charge you they consider a number of factors such as: your claims history, occupation, use of the vehicle, and security.

Just like when you are getting other car insurance policies, there are a number of things that you can do to lower your premium. Some of the things that you can do include:

Secure your van: As you have seen, one of the factors used to determine your premium is the security of your vehicle. To pay a lower premium you should install security features in your vehicle thus making it difficult for people to break in or steal your vehicle. Some of the things that you can do include: installing an immobilizer, tracker or an alarm.