Tips For Getting The Lowest Car Insurance

Buying your first car is a pleasurable rite of passage for most people, but the accompanying purchase of auto insurance is less fun. In fact, many new car owners find the cost of insurance frustratingly high and so do individuals who have had car insurance for decades. (Learn how to read one of the most important documents you own. Check out Understand Your Insurance Contract.)

While competing car insurance companies offer opportunities for discounts, individuals can also take steps before they buy a car to make sure they will pay the lowest possible premiums.

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Compare Rates for Various Cars
Once you have identified two or three cars that you think you can afford and will fulfill your needs, call your current insurance (or a new insurance company) to compare premiums for the cars. Car insurance costs vary because of the safety record, repair costs and likelihood of theft as well as the price of the car.

Avoid Gaps in Coverage
If you are switching policies, make sure you are completely covered at all times. If you let your insurance coverage lapse by forgetting to make the premium payments, your rates are likely to be increased.


Maintain Good Credit
Insurance companies typically check your credit score when determining your insurance rates because they have found a correlation between bad credit and the likelihood of making a claim.


Drive Less
Many companies offer a low-mileage discount for drivers who have a short commute or drive few miles each year.


Request a High Deductible
One of the easiest ways to reduce your car insurance premiums is to increase your deductible. Just make sure you have the funds to pay the deductible if you get in an accident.


Claim all Your Discounts
If your car has extra anti-theft or safety features such as anti-lock brakes, most insurance companies will give you a discount on your premiums. You may also be eligible for a discount if you have taken a defensive driving class or, if you are a student, you have good grades.


Drive Safely
Of course you should drive carefully to avoid accidents and tickets anyway, but bad driving can also raise your insurance rates or even lead to a nonrenewal of your policy. While too many speeding tickets can cause a problem, causing an accident will typically raise your insurance costs by as much as 40%.

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Consider Moving
While this may be a bit drastic, auto insurance rates vary widely from one location to another because of the likelihood of an accident or a theft. In general, car insurance rates are lower in rural areas, so you may want to look into the potential for higher or lower insurance rates if you are thinking of moving.


Work with One Insurance Company
After you shop around for insurance rates, choose one company for all your insurance needs. Most offer a discount for combining car and homeowners or renters insurance with one provider. (Before paying for coverage, find out what you need to do to ensure you get paid. See What To Do If Your Insurance Won't Pay.)


Lower Your Coverage
The Insurance Information Institute (III) suggests dropping collision and/or comprehensive insurance on older cars to save money. As a rule of thumb, III says that if your car is worth less than 10 times the premium, it may make sense to drop that coverage.

The Bottom Line
The important thing to recognize is that car insurance should be customized to meet your needs. Consulting with an insurance agent can be the best way to make sure you are taking advantage of every possible discount and that you and your car are still adequately covered. (Continue your insurance education;

source via : http://www.investopedia.com/

Insurance auto auction

Insurance auto auctions sell cars, trucks, bikes and also boats that have been damaged by collision; flooding; theft or fire or been subject to loss in some other way. At an insurance auto auction there might also be vehicles for sale that have been repossessed against defaulted payments. These auctions acquire stock directly from insurance companies in high volume so there is always plenty of choice.
All kinds of buyers take an interest in insurance auto auctions: exporters; dealers; small auto businesses that renovate and re-sale vehicles; and private individuals eager to find a bargain. Buyers qualify to take part in such auctions through licence but access to insurance auto auctions is easy via a registered and authorized online broker holding the relevant licensing.

Insurance auto auction

Vehicles wind up at auction for all kinds of reasons. Fleet leased cars tend to go for auction once they have reached a certain mileage. Many of these vehicles have taken a beating in terms of wear and tear but many others are surprisingly unscathed!

Dealer trade-ins are also found at auction and while some cars, bikes and trucks are in pretty bad shape, others are perfectly suitable for several more years of service. Browsing through the sale lists, the damage on each vehicle is clearly described so that buyers know what they are getting and in what condition. This information also outlines what parts are required to repair and renovate each vehicle; thousands of parts and vehicles that are suitable for parts only are accurately listed.
Some insurance auto auctions will arrange transportation, with a pickup service and towing facilities to save outlay on storage and also ensure you get what you purchased as quickly as possible. An online broker will deal directly with insurance auto auctions and liaise on transportation and inspection services.

Of course the main motive for buying at auction is a reduction in price on the vehicle. Auctions deliver when it comes to getting a lot of car for the lowest possible cash outlay and a discerning buyer who is not interested in renovation or repair can buy a near perfect vehicle, every bit as desirable as anything to be found on a used car lot, for perhaps less than half the cost.

As the auto industry introduces more and more safety procedures, making them standard for inclusion in new vehicles, insurance repair becomes less viable and more vehicles are written off as a loss, even though they are in excellent condition apart from surface scratching or minor dents. These vehicles go to auction to be snapped up by dealers at amazing prices.
Gaining access to insurance auto auctions is a simple process: simply register with an online broker and away you go. Make sure you check out credentials and that the broker is properly registered and authorized to protect your own interests. The broker will then provide comprehensive lists of prospective bargains before expertly guiding you through the buying process safely and efficiently.

source: http://www.autobidmaster.com/articles/insurance-auto-auctions-and-how-they-work/

Choosing Car Insurance

For the safety and comfort of road users -and around you- when you drove the car on the road, it is recommended that you have car insurance

Choosing Car Insurance

 So you will avoid the problems of unwanted, especially concerning large expenses. Follow some of these tips to help choose the type of car insurance you need.

Note clausa. Generally there are two types of car insurance, which is a total loss and all risk. Total loss only reimburse the cost of the vehicle is lost, whereas all risk cover damage to the car when you crash into another vehicle and also third parties. With the value of higher premiums, the insurance all risk you can add cover riots, floods, and earthquakes. And, some insurance companies such as ACA or OTO Guard is equipped with a 24-hour towing service, so you can be ready to help whenever and wherever you are.

Calculate the value of the premium and discount. When selecting the right insurance for the vehicle
You, note the value of the premium and pieces that you can be. For example, for the value of all risk premiums, ranging from 2.8 - 3.5% of the value of your vehicle, and usually you can get a premium discount of up to 15%. But keep in mind, whether the price cuts reduce the number of facilities that you can? Even if you get a low premium, but at the time of the crash, instead complicate your insurance, you should not choose a (more) expensive but easier for you?

Checks workshop colleagues. Each car insurance company -where shoulder has had a working relationship with the body repair workshop. Then, when you want to make a claim, the insurance company usually offers several options to policyholders workshop. Instead, before you put the vehicle into the workshop, review the first, and look at how they work and the quality of workmanship. Thus, after the car was left there for repair, you will not be disappointed with the results.

Pay attention to the reduction of the value of the vehicle. For those who want to pay the premium value that is lower, you may deduct the value of the vehicle up to 5% of the premiums offered. However, it should be noted that if it is done-eg, when your vehicle can no longer be repaired or replaced from the loss of value of the company remains on a contract basis at the beginning.

10-year-old vehicles. For vehicles that have been aged 10 years or older can only be covered by insurance total loss. Insurance risk does not apply to all such vehicles. Premium value ranges from 1.8-to 2.2%.

Smart Tips Choosing Car Insurance

You're looking for and confused in choosing a car insurance?, The following tips may be slightly into consideration not forget I attach information / offer car insurance to be a mother / father learned:

Smart Tips Choosing Car Insurance

1. Quality:
Make sure the first insurer to be selected include the category of insurance which have got prediket Best General Insurance, Indonesian Best Brand Award, Indonsian Customer Satisfaction Award. Due to this certification has been clearly shown that such insurance is reliable, trustworthy, and proven responsible in serving the customer claim.

2. Cost Own Risk (Own Risk):
Sometimes back and forth to the garage insurance is also something that makes lazy customers, especially some insurers apply the system of claim with the payment for OR (Own Risk) or the risk itself was average Rp.200.000.- there are on a per incident, per collision, and so of course it makes you burdened with having to spend a lot of claims to pay OR if frequent back and forth to the garage insurance is not necessarily the result of the work shop to satisfy customers as done by the workshop that mock or non-authorized.

3. Claims Process:
The time to process insurance claims should be examined first, there are some auto insurance claim process customer receives a convoluted once had is the one that should wait surveyornya ready lah lah, sometimes need to be debated first was when surveyed. Yet sometimes it takes a few days just to wait for SPK (Work Order) issued by the insurer so that the workshop can fix our cars. Things like this sometimes customers feel ignored and a lot of time to wait tebuang just a piece of paper / letter. Leave this process as outdated, you should select an insurance claim when an uncomplicated, fast less than 30 minutes SPK already in your hand so that you stay at to determine to what an insurance workshops.

4. Work:
Many insurers are implementing some cheap rate, but what if the work is not very good quality garage associates alias mock and do not satisfy the customer. Sometimes paint your car look even striped Betong make your car body image as if the devastating collision course ever made a sale value of your car slump. Although the customer can complain to the insurance, but how long the loss of your time wasted. Pay attention to this and choose insurance with a trusted partner workshops and official (authorized). Remember your car is a valuable asset, do not underestimate using dubious insurance services simply because of the difference in price premiums few rupiah

5. Spare Parts (Parts):
Spare parts are the most important in your car, make sure the insurance guarantees that use original spare parts and warranty. Be careful with this insurance does not guarantee that fatal consequences.

6. Responsibility Third Party (TJH / TPL) and PA (Personal Accident):
This feature should be examined carefully, because at the time the accident motorcycle collision instance crashing sometimes - sometimes the 3rd party even much heavier damage than us. Here the role of these features dipelukan, you should select an insurance liability to the three large parties so that you do not tebebebani extra cost. Likewise with personal accident protection features driver / passenger it is also very necessary. Select the insurance that is included with this feature.

7. Free Services Protection 24 Hours:
It is very, very important when choosing car insurance, many car insurance which only rely on and provide rate cheap alone but service protection is not very satisfactory, service is not 24 hours, no telephone service hard to contact even sometimes no answer, sometimes -sometimes area is also very limited protection at all times even only the greater Jakarta area alone. Out of Jabodetabek you can helm when there is a problem with your car such as breaking down on the highway because of a flat tire, need a tow, a key miss in the car, running out of fuel, etc. Leave these concerns, select insurance with a 24-hour alert and wide protection area in Indonesia.

8. SRCC (Strike, Riot and Civil Commotion - Riots, Strikes and Riot & Flood):
This insurance is highly recommended feature that can guarantee risk due to a disturbance of public order committed by a group of people, as well as the actions the authorities in cracking down on these disorders, whether related to strikes and deterrence worked, and bear political bemotif civil unrest. Also the expansion of insurance covers loss caused by the overflowing water out of the normal limit water rivers, lakes, swamps, water gate breakdown, breakdown dam, continuous rain that can not be accommodated by water channels. Flood damage includes damage to the interior, the exterior, the dashboard panel, mechanical, electrical and other damage on the vehicle bemotor insured. Select insurance which includes this feature.

9. Flexible In Payment:
Choose a car insurance premium payment is flexible, can be made by cash, transfer, or credit card (Visa / Mastercard).