Comparing Auto Insurance Prices Advice

It is scary how expensive car insurance can be these days! In order to get the best rate, it's important to shop around and compare prices from various insurance companies. Unfortunately, many of them do not make these comparisons easy on purpose because they do not want you to realize that you are paying too much for your insurance. The first thing you should do is contact your present insurance company to understand your existing policy. Make sure that it's what you think it is and request changes if you hear anything surprising. It's important to understand not only how much you are paying, but also what you are paying for: What is your deductible? How much coverage do you have for certain events like vandalism and an accident with an uninsured driver?

Once you understand your current policy, start calling around to check prices at other companies. It's important to request a quote on exactly the same coverage as you have now since you can not otherwise compare easily. Some companies will also allow you to request a quote via their website and this is something you can do without sitting on hold on the phone for long periods of time. Another option is to work with an auto insurance broker who has relationships with many insurance companies. They can understand your situation and get comparable quotes from a variety of providers in order to help you select the lowest one. This is a great choice if you do not have time to do the search for cheaper insurance yourself.



Source by Jim Tonkins

Vintage Car Insurance – How to Find the Best Rates

If you have a vintage car then it probably cost you a lot of money. Most people who buy vintage or classic cars do so not only because they like them, but because they see the vehicle as an investment. Once you have spent thousands, if not hundreds of thousands of thousands of dollars on a vintage car, you need to be sure that you have the right kind of insurance policy.

When you are shopping for car insurance you’ll find that the type of insurance you need will be different to that for ordinary cars. Once you start looking you should try and find an insurance company that specializes in insuring vintage cars. Vintage cars require specialist coverage. The type of coverage you will need will depend very much on how your car is used. You will need a different kind of premium if the car is only driven to specialist shows and exhibitions, than you would if you drove your vintage car like a regular vehicle.

Providing you take the time to look for the right kind of policy for your car, then it is possible to save money on car insurance. You should not insure a classic or vintage car under a standard insurance policy. If you have bought your car as an investment piece then you don’t want to be driving it around in the same way that you would an ordinary car.

There are guidelines for insuring different types of vehicles and you should be familiar with these before you insure your car. If you want an insurer to give you a good quote for your vintage car then you need to have been driving for at least five years as insurance companies want to protect your asset as much as you do. Providing you are twenty five or older it should be easy to find insurance for your vintage car as insurance companies will look on you as less of an insurance risk than a younger driver.

When you insure a car, insurers will want to assess both your security and your driving skills before they will allow you to take out a speciality premium. You should have a car that is old enough to be considered a vintage vehicle and this standard will depend on the company that you buy your insurance from.

Some insurance companies will only give vintage status to cars that are nineteen seventies vintage or older. You should know that policies will differ depending on the age of your car. Another thing that insurers will take into consideration is whether you have an insurance policy of an ordinary car before they grant you a special policy.

If you do tend to drive a vintage car on a daily basis then insurance companies may regard that car as too much of a risk, as the more a car is driven the sooner it is likely to deteriorate and decrease in value. Insurance companies offer special premiums based on the actual cash value (ACV) of your car, the stated value (SV) and the agreed value (AV) of the vehicle.

When you give the insurance company a value for your car they will pay it but they cannot insure you for the stated value. Most vintage car owners get their insurance on the basis of an agreed value of the car. This means that they will agree with you a value for your car and take into consideration your investment and any maintenance, and then they will give you a policy for that value.



Source by Andy Darwinson

4 Online Games with Free Trials

The world of online gaming can daunting to new players. Not only are there about a bajillion games out there rivaling for your attention, but the prices of the games can often dissuade new players who want to try the games out. Not only that, but going to the store, buying the game, installing it and then signing up for the subscription can be a pain. Luckily for you, lots of online games now offer free trial periods. You can go to the links listed below, download the game, and play the game for free for a week or more. But be careful. These games are notoriously addictive. Before you know it, you may find yourself spending hours of time exploring a new world you had not known exhausted.

  • City of Heroes: If superheroes and mega-villains are your speed, you'll definitely want to check out City of Hereos / City of Villains. This super-hero MMO allows you to create your very own character complete with skin-tight clothes, capes and all the world-shattering powers you'd expect to find in a world populated by heroes and villains. Get your 14 day free trial by going here: [http://www.cityofheroes.com/promos/covfriendpass.html]
  • Lord of the Rings Online: The world of Middle Earth comes to life in The Lord of the Rings Online. Explore the world of Gandalf, Frodo and all the nasty beasties of Mordor with the 7 day free trial. Go to: http://www.lotro.com/trial
  • World of Warcraft: The most popular online game in the world, World of Warcraft has over 10 million subscribers. That's 10 million people who run around the absolutely massive world of Azeroth. They explore, fight, cast spells, and all sorts of stuff you would expect to see only in the movies. Try it free for 10-days by going here: https://signup.worldofwarcraft.com/trial/index.htm
  • Eve Online: Space. It's a big place. And if you want to explore it, you can do so in Eve Online. Create your own avatar and pilot your ship through the vastness of space. Hunt pirates, mine asteroids, trade goods between systems, or form your own corporation to contol the universe with unrestricted greed. Try it out with a 14 day free trial: https://secure.eve-online.com/ft/?aid=102321&bid=&nogreet=1



Source by Alistair McMaster

Top Ways to Save on Auto Insurance

When you get a car, you need to have auto insurance. It is important to get coverage that is comprehensive, but also inexpensive. While most people care a great deal about getting a good price when they first set out to get car insurance, they often fail to continue searching thereafter. Not continually looking for good deals can cost you hundreds each year.

Many people are unaware that the cost of your auto insurance can be lowered to help you save, depending on your driving record, your car, and where you are.

Increase Your Deductible

If you insurance the amount you pay for a deductible, it will reduce the cost of insurance fees. Now understand that this move is certainly one way to save on the costs month to month, but if you end up in a car accident, then yes it can end up costing you more to fix the damages.

However, if you have a history of being a safe driver, try it out and set some money aside for an emergency fund to cover unexpected car costs.

Try Carpooling

There are some insurance companies which actually track mileage, so the less you drive, the cheaper your coverage. With these policy types, if you drive less than 7,500 miles you get the lowest rate, and anything up to 13,000 is the medium rate.

Change Plans to What You Need

It is better for you to change plans to what you need, when you need them. Buying a brand new car is going to require different insurance compared to an older car. When you are paying off your car loan you will need collision and comprehensive coverage, but once it is paid off you have many more insurance options at your disposal.

You might end up with more collision insurance than you need. In fact, on older cars it is recommended that you drop collision insurance anyway because comprehensive coverage is comparable inexpensive and will give you all the coverage you need.

Combine Policies

If you have car insurance and renters/homeowners insurance through different companies, you might be able to combine your policy with one company and stack discounts.

Check for Discounts

If you have changed jobs, moved somewhere new, or anything else, keep track of your policy options. You might be able to get a cheaper policy in a new town or with a new job.

Check Your Credit

Your credit score has a small role to play in what your insurance costs are. So pay your bills on time and make sure you work hard to improve your credit score. As you are doing so, continually check to see if you now qualify for lower rates.

Other Discounts

As a student, good grades can earn you discounts. As an adult, see if you can take an adult driver safety program from better discounts. Consider avoiding a red colored car, as these come with higher insurance rates for users compared to other colors.



Source by Chaitanya Rane