Car Insurance On The Cheap

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 okay 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.

Renewing Your Car Insurance Policy

With the exception of the fairly new practice of issuing pay as you go car insurance policies, when you purchase car insurance you are entering into, and bound by the conditions of, a fixed term contract with the car insurance company. In the vast majority of cases this fixed term is for exactly one year since the date of the policy’s inception or beginning.

As you near the end of the period of cover, your insurance company will invite or tender you to renew the contract. These days the systems employed by large car insurance companies will trigger the renewal procedure which initially means the production and posting of a set of renewal documents to the policyholder. This is usually timed so that the invite to renew pack is produced automatically around fifteen days prior to the termination of the existing car insurance contract, giving the prospective renewal policyholder time to correspond with the car insurance company and inform them of any changes that may have occurred during the term of the contract which are not reflected in the renewal documents.

If you intend to renew with the same insurance company you are legally bound to inform this company of any alterations to the statement of fact that you originally made when you first took out the policy.
Likewise you may wish to add or remove elements of cover from the current status of the car insurance policy, as your requirements may well have changed over the previous year.

Because of the compulsory nature of third party car insurance, no ‘days of grace’ are allowed after the renewal date of the policy. This can cause problems for car insurance companies as for practical purposes renewal documents and certificates have to be produced and dispatched to the prospective renewal policyholder in advance, which will become operative from the first day of the new period of insurance.

The renewal certificate, required by law to tax a motor vehicle, in theory cannot be issued until the renewal premium is paid. If payment was received subsequent to the expiry date of the existing car insurance policy, then the certificate would have to be re-written with the operative time and date matched to the time of payment. This could cause a major problem for the car insurance companies, as to issue an unaltered certificate would be equivalent to ante-dating it, which is a criminal offence, whilst re-writing the renewal documents would result in additional costs and expenditure to the car insurer, and more importantly would leave gaps in cover for the policyholder, which would leave a driver exposed to risks and legal action for driving without car insurance.

In order to overcome these practical difficulties of renewals, car insurers have developed a practice of incorporating into the renewal documents a certificate of insurance that is valid for an extended period of seven to fifteen days. This benefits both the prospective renewal and the insurance company by extending the period during which the insured has time to pay the renewal premium, yet still receive a certificate dated from the first day of the new contract period.

Car Insurers are particularly sensitive to what is known as the ‘renewal retention ratio’ , the number of renewals expressed as a percentage of the previous years total policies issued, especially since the introduction of online car insurance underwriting which has enabled a prospective renewal to shop around much easier and perhaps to change supplier.

The issue of this temporary certificate of cover in effect and contract law, constitutes an offer by the car insurance company, which the insured must either accept expressly, by paying the renewal premium, or by implication by doing nothing and having the premium taken from the payment source of the previous year’s policy.

If however the prospective renewal obtains car insurance cover elsewhere or by some action, such as a telephone call, implies that he does not intend to renew and thereby not accept the offer, then this temporary cover would be deemed invalid. If a policyholder does not for some reason receive the renewal quote and certificate, or was unaware of the wording of the renewal notice, he cannot accept an offer and is therefore entitled to a full refund if the money has been debited from his account.

With the vast amount of choice available online for car insurance today, ranging from specialist car insurance schemes targeted at a particular group to the aggregator comparison websites, huge savings can be made by a policyholder at renewal if they are prepared to shop around for equivalent cover. It may not be in the best interests of a policyholder to blindly accept an offer to renew a car insurance contract without recourse to other offerings in the market which may be more suitable for their particular circumstances. Car Insurance rates vary immensely and it is not unheard of for companies to match or better a renewal offer from a competitor if you pick up the phone and give them a ring.

The Scoop on Pennsylvania Car Insurance

If you drive the highways and byways of Pennsylvania, you have most likely either witnessed or experienced a traffic accident. Of course, you surely also understand the damages that can be caused and the need for the drivers of our lovely state to maintain the proper car insurance coverage. While we all want to enjoy the lovely scenery, we also want to know that we are safe driving the roads of our state. For this reason, Pennsylvania requires a few things of every driver that has a vehicle registered in the state.

All states require some kind of liability insurance for drivers. The only variations are generally in exactly what kinds of coverage is stipulated and in what amounts. There is a also a bit of a difference in what is suitable for proving that the driver is responsible for damages. While some states only accept car insurance as proof of financial responsibility, other states allow alternative means. In Pennsylvania, drivers must provide liability protection for medical expenses, bodily injury and property damages in the amounts of $5,000, $15,000/30,000 and $5,000 respectively. Or, drivers can choose a policy that covers $35,000 in total liability coverage and still be okay under the law. Also, Pennsylvania is a state that will allow a driver to self insure. However, doing so requires at least a $50,000 deposit in cash or bonds, so most drivers in the state choose to use an insurance plan.

While most states are designated as at fault or tort states, Pennsylvania is unique in this aspect. As a car insurance customer, you have the option of choosing the level of legislation you want to be able to use in the event of an accident. If you choose a plan with limited tort, your premiums will be lower, but you will be unable to sue for additional damages above and beyond the plan of the at fault driver. However, the restriction is lifted if serious disability or death occurs. For an additional cost, your plan can state that you have full tort power, allowing you to sue the driver for complete compensation.

Acceptable Car Insurance Price – How Driver Fatigue Has an Effect on It And What To Do

Are you currently searching for a very reasonable safe car insurance price together with adequate insurance coverage? You will need to pay attention to driver fatigue. Here’s why this can be very important for anyone who’s interested in getting and/or maintaining low rates.

When you’re exhausted, your efficiency is drastically endangered. As well as the possibility of a car accident or a crash is a lot higher if a driver is exposed to risk. Just remember that, fatigue easily leads to drowsiness or dozing off.

13 from every 100 truck driver involved in a collision was fatigued at the time they crashed, based on a study by the Large Truck Crash Causation Study (LTCCS).

At this point you must realize that it is a very high percentage as there are very many other circumstances that may cause a crash. Also realize that we’re using data for Truck drivers as they are a group that’s known for driving long hours.

Regarding to dealing with exhaustion, allow me to share recommendations that will help you a lot…

i. If you’ve NOT had enough rest during the night, ensure you do NOT drive. It’s a good idea to avoid driving within time zones where your body is naturally drowsy and, even though you had good sleep at night. For a lot of people it is usually between from 12am to 6am and 2pm to 4pm.

If you realize that you are sleepy for any reason while driving, find a nice spot, park and take a nap. Don’t continue driving as soon as you awaken, though. Give yourself 15 minutes or more for your body to wake up well before you continue driving. Your life might depend on it.

ii. If you’re always on the road, make sure you develop a nutritious eating program. It is said that fatigue could be caused by skipping meals or eating at irregular times.

And if you get driving after having a hard time sleeping you may have a slower reaction time, lower awareness and lowered attention among other things.

iii. Do not take any pill not knowing how it can affect you. There are pills that cause drowsiness. These should be avoided by any means if you must drive.

iv. Don’t take coffee or other caffeinated refreshments as a way of stopping sleepiness. Coffee or other refreshments that contain caffeine are NOT as effective in dealing with drowsiness. It takes some time for the drink to start having its effect so it does not help right away if you are drowsy.

v. Don’t drive after doing work for very long hours. Reports have shown that driving after staying awake for 18 hours has the same consequences as having a blood alcohol concentration of 0.08%.

Simply remember: You are as dangerous as a drunk driver if you are behind wheels after doing work or staying awake for 18 hours or more.

Safety while driving is one factor that we can never talk too much about but it surely will save lives. Learn more on other things you can do to stay more secure behind wheels and let’s make our roads safer.