SAVE ON INSURANCE AUTO LIFE HOME

Tue, 05 Feb 2008 05:27:22 GMT

I betcha didn't Know that Most insurers like GEICO - STATE FARM - PROGRESSIVE- ALLSTATE assume that people drive between 10,000 and 12,000 miles a year and, because of this, anyone who drives less could save lots of money 30% less per year .

Pay-as-you-drive insurance involves the installation of a GPS tracker in your car. This then provides a variety information to your insurer.

Since companies get more information, they plan to be more precise while working with you. And if your vehicle is in the garage and this information is available to the agent, then this would allow you to spare.

Conducted researches says that drivers who do less than 6,000 miles a year could save up to 30 per cent on their premium by switching to pay-as-you-drive car insurance OMG that is amazing .

Also the biggest discount you can obtain on your insurance is your no claims bonus (NCB). Some insurers offer up to 70% off your premium if you have been accident free for five years, but make sure you have written proof from your last company.

If you have a garage, use it for your car - you'll save on your car insurance premium.

You can minimize the insurance cost by increasing the expenditures but one should remember that in case of an accident your recompense would be less and you would pay more.

Many insurers will give you a discount if you buy two or more types of insurance from them.

The Top Ten Hardest Cars to get Insured YEP thats Right these autos are high theft autos and YOUR rates will be higher than on a common car like maybe a ford tauraus which is lowest theft rate of all cars !rember shop for insuarnce same way as you shoppped for YOUR car ! YOU may save $1000 a year or more just doing a few more hours of comparison shopping!

Basically, luxury cars, sports cars, four-wheel drive trucks, and other performance vehicles are the most expensive to insure. Not only do these cars have high claim rates for collisions, theft, and injury, but the companies consider their drivers to be more apt to speed and therefore a higher risk factor.

Here is a list of the top ten most expensive vehicles to insure, that have a sticker price of less than $50k, according to the Highway Loss Data Institute (HLDI):
1. Lexus IS 300
2. Land Rover Discovery Series II
3. Audi S4
4. Jaguar X-Type
5. Mercedes SLK Class
6. Lexus GS 430
7. Land Rover Freelander
8. Mitsubishi Montero
9. BMW X5
10. Toyota 4Runner

The HLDI also lists vehicles that are the most expensive based theft, injury and collision claims. The most expensive theft claim models are:
1. Acura Integra two-door
2. Acura Integra four-door
3. Jeep Wrangler
4. Jeep Cherokee four-door
5. Honda Prelude two-door

The most expensive injury claim models are:
1. Suzuki Esteem four-door
2. Mitsubishi Mirage four-door
3. Kia Rio four-door
4. Mitsubishi Mirage two-door
5. Kia Sephia four-door

The most expensive collision claim models are:
1. Lexus IS 300
2. Hyundai Tiburon two-door
3. Kia Spectra four-door
4. Suzuki Esteem four-door
5. Mitsubishi Mirage four-door and Audi A6 Avant Quattro station wagon (tie)

Car Insurance Rates Vary For Each Insurance Company

When shopping around for auto insurance, You might want to do a little research, and try not to listen to snappy television commercials and cartoon mascots. The budget insurance companies that inundate the airwaves may guarantee lower prices, but their coverage might not be as inclusive as the traditional companies.

These facts also apply to all types of insuarnce HOME LIFE FIRE THEFT insurance !

So, when shopping around for car insurance, it is best not to skimp. Two old adages ring very true: �You get what you pay for�, and �If it sounds too good to be true, it probably is�.

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