how to get best insurance

Are You Lying on Your Car Insurance Application?

Lying on your car insurance application could lead to serious consequences. Your policy could get cancelled or your reported claim could be denied, or worse, you might be denied car insurance coverage in the future. If you're found guilty under the Insurance Act, there's a chance you could be fined up to $100, 000 for the first offence. Clearly, being honest on your car insurance application can save you precious time and money.

If you're even so much as THINKING about fudging these details on your application, think again:

Miles driven

Some people might unintentionally make a mistake about the number of miles they put on their car, while others might intentionally lie about the number of miles they drive in order to get a low-mileage discount. In either case, underestimating the number of miles you drive on your car insurance application is not a good idea. Try to be a little vigilant about the miles you put in on your car. If you've recently switched jobs and your commute has gotten longer, make it a point to call your insurance agent and let him know as soon as possible.

Not listing all the licensed drivers in the household on the policy

Parents to teenage drivers sometimes 'forget' to add their licensed teenaged kids to their policy. Teenagers are inexperienced and are considered as high-risk drivers by insurance agencies. Hence, if they wish to buy individual policies, they are charged considerably higher premium rates.Adding them to your policy is a comparatively cheaper option. Instead of not adding them to your policy, consider other ways of lowering costs. Insurance companies offer discounts to young drivers as well. Discounts such as good student discount, defensive driver discount and discount for installing security devices to your car are a few to look into.

Lying about where your car is parked

This is a common problem in big cities. People don't have space to park their cars and are forced to lie about it on their application forms. Parking in a garage might cost you a little more than parking on the street, but it is ultimately the safer (away from the city's wear and tear and bad weather) and a more convenient option.

What your car is used for

Some people use their car for daily transportation, but there are others who use their car for business. Such people might be offered a discount by some insurance companies. It is in your best interest to be very clear about what you're using the car for when filling in your car insurance application.

You might not realize it right away but providing inaccurate information to your insurance provider deliberately to lower your premiums is NEVER a good idea. What you do to get temporary discounts might actually cost you a big buck. Be careful, be wise.

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Cheap Car Insurance - Car Safety

Car safety may seem to be something that you assume most people take for granted - it really means just making sure your car is locked and possibly has an alarm and/or a crook lock as well. Whilst it can mean all these things and important though they are, there are several aspects of car safety that are key from an insurance point of view, and do affect your car insurance and how much you pay for it.

Your insurance company will assume or take it for granted that your car is in a good roadworthy condition and fit to drive. It will also assume that the driver is properly qualified and of a legal age to drive. In insurance terms these assumptions are known as warranties and they can be implied or explicit. That means they may be spelled out specifically in the policy or simply assumed as fact. Either way they apply and people should be aware of them. If either of these types of warranty are not complied with, there is a good chance your insurance company will void the policy.

This is because your insurance policy is a legal document, and if you don't comply with any part of your side of the contract the other side, in this case the insurance company, may well turn round and refuse to pay any claim, and refund your premium. Not a situation you want to be in, especially if you are a facing a serious law suit for third party damages.

Car safety applies to the physical and mental state of the driver, and again it is assumed you are in a fit state to drive the car. This means that if you have been drinking or taking drugs, then your insurance company may well try to void all or part of the contract on the same basis as above.

Car safety is also a factor when applying for car insurance, and in the insurance underwriters determining how much you should pay for your car insurance. The factor that normally determines this type of rating is where your car is parked at night, either on the street or in a secure lock up such as a garage. If it is kept in a secure place, it is obviously less of a risk and less likely to be stolen than if it is left out overnight on a street. As such your insurance premium should be lower.

Be careful to make sure that your insurance company doesn't make it a warranty of the policy that your car is kept locked up overnight. That could be a hassle if you forget or can't be bothered one night.

Also if you buy any locks or security systems for your car and are hoping for a discount from your insurance company, check with them first. They may give discounts only on certain brands of manufacturers that they approve of and will only give you a discount if you buy these or fit their alarm systems.

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Spend Less on Car Insurance

Car insurance is one of those things that we all need and have to have but that we all hate paying for. After all, insurance can often be expensive and sometimes rates can go up, seemingly without reason. There are, however, a few things that you can do to potentially lower your car insurance rates. Results will vary from provider to provider, but if you find that your provider doesn't offer many of the discounts discussed here, it might be time to think about switching your insurance company. In fact, it's a wise idea to shop around and compare rates from time to time just to see if you couldn't get a better deal elsewhere.

Keep in mind, first of all, that the vehicle you are insuring plays a large role in determining what your insurance costs will be. If you have a very new, fancy, or commonly stolen vehicle, for example, you can expect to pay more for car insurance. The insurance companies have to protect themselves due to the high value of these types of cars, and they do that by making you pay higher insurance rates. Vehicles that are known for being less safe can also come with a higher insurance price tag, so if you've been thinking about buying that flashy sports car, you might want to re-think your decision!

No matter what type of car you drive, you can usually lower your rates by taking steps to make your vehicle safer and less likely to be stolen. Safety features like anti-lock brakes, backup cameras, a GPS to cut back on driving distractions, and air bags can all equal lower insurance rates. Likewise, investing in a good alarm system or other security measures for your vehicle can cause you to pay less for insurance. Some companies will even give you credit for smart behaviors like parking in safe locations overnight or enrolling in a defensive driving or other driver education course.

If you aren't someone who tends to use your car a lot, then it makes sense that you should pay less for your insurance. If you feel that you drive fewer miles than the average person, check to see if your provider offers a low mileage discount. This discount is great for those who live close to work or who have extra vehicles that they don't use as often as their primary vehicles.

Finally, consider taking out multiple policies with your insurance provider. If you have several vehicles in the family and they all have different insurers, you can usually save a lot of money by insuring them all through the same provider. This is a lot more convenient too! Furthermore, many providers of car insurance also offer other types of insurance as well, and those that do almost always offer a discount to those who take out multiple policies with the company. Remember, too, that it's always okay to ask about other discounts that are available to you to keep from missing out on big savings!

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Tips for Finding the Cheapest Auto Insurance

With the cost of gas alone, not to mention the cost of a vehicle in the first place, many people can barely afford car insurance. Unfortunately, every state in the country requires drivers to have at least PIP insurance. When looking for insurance quotes, one of the most import questions to ask yourself is what kind of insurance you need in the first place. Will bare-bones insurance cover it, or do you want a comprehensive plan. Fortunately for consumers, there are an incredible amount of auto insurance providers to choose from, so usually by shopping around you can save hundreds of dollars and find a cheap plan that fits your needs well. There are many simple tips for finding the cheapest car insurance.

The first and simplest way to save money on your car insurance is to compare quotes. This is by far the most crucial way to save money on your car insurance! Shop around! There are no better tips for finding the cheapest car insurance. Many third party websites will allow you to put in a little simple, standard information and compare quotes from major auto insurance providers almost instantly. Even some major insurers will allow you to compare quotes with their top competitors before signing up for a plan with them. Using a couple of the auto insurance aggregators is a good way to make sure that you're getting accurate quotes and providing all the information necessary to get the lowest quotes possible.

Another straightforward way to save money on your car insurance and find the cheapest available is to bundle your insurance. The commercials you see aren't lying; you are paying too much for insurance if you're getting your auto, home, and other vehicle insurance from different companies. Most insurance companies, practically all of the major ones, offer very large discounts for people who bundle all of their insurance policies. By getting all of your policies through the same company, you can save a lot of money.

Changes in your lifestyle and driving habits can also lower your monthly payment and deductible, as well. Also, a safer, and sometimes cheaper, vehicle can lower your monthly payment and deductible. But the two most important things to consider are comparing quotes and bundling your policies. Both of these actions alone will drastically lower what you end up paying for insurance. Once you find and purchase the cheapest policy you can find, you can start to study your policy and take further actions to lower the cost of your insurance.

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Cheap Car Insurance: Young Drivers Have Options Out There

Young drivers find it anything but easy to secure cheap car insurance. In fact, other than the initial cost of purchasing their vehicle, insurance is the most expensive part of being a driver for the 17-25 age group. But that is not to say that it is impossible to get a good deal.

It may seem unfair to teenagers and young twenty-something that insurance companies presume they are a big risk on the roads, but when the statistics are examined it is hard to argue against them. Most large claims are made by drivers in this age range, so young drivers can hardly expect to get low premium auto insurance immediately.

Thankfully, the rise of the Internet, and the online insurance brokers that operate there, means that better terms can be secured on car insurance policies, with lower premium and better discounts.

Why The Poor Assessment?

As mentioned, there is little argument against the higher premium and poorer terms that most young drivers are faced with. It takes time to build up the level of experience needed to convince insurance brokers to offer cheap car insurance to these drivers.

Of course, it also takes avoiding any accidents, even small ones. The youngest drivers with good terms are those who have not even had their fenders bent. And those who get low premium auto insurance before they reach the age of 25, point to their excellent driving habits as the chief reason.

Surveys have revealed that younger drivers use their cellphones regularly while driving, making calls as well as answering them, and sending and receiving SMS messages. In fact, the ease with which these drivers are distracted means they are the biggest risk on the roads. Therefore, insurance companies charge higher car insurance premiums.

How to Improve Your Terms

With a high level of distraction and a lower level of driving experience leaves insurance brokers will little option but to charge higher premiums. And this is certainly unfair for those young drivers who are conscientious and practice good driving practices, who arguably deserve to have access of cheap car insurance.

But how can the terms be improved? Well, there are some steps to take that help young drivers towards low premium auto insurance. The first is to make the car itself more secure, so make sure an alarm or immobilizer is fitted to the automobile. Also, reduce the actual mileage driven by using the car sparingly. And take some extra driving courses to provide evidence of greater knowledge and responsibility.

Lastly, drive with caution and due diligence. A speeding ticket can increase the cost of the car insurance premium, with three tickets are estimated to increase the cost by around 20%.

Finding the Best Terms

Thanks to the Internet, it is now much easier to find cheap car insurance. The development of comparison sites means that the best terms in line with your own preferences can be found within seconds, allowing for fast and accurate searching.

Look at the specific terms of the policies on offer, such as the available milestone discounts, and the penalties or increases to the premium should a claim be made. And, of course, check out the degree of coverage that is offered. Sometimes what seems to be low premium auto insurance is actually just poor auto insurance.

Finally, check out the reputation of the insurance brokers before signing up too any car insurance policy. This can be done through the Better Business Bureau website, or the Verify1st website, both of which will reveal if the broker is trustworthy or not.

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