Personal Finance, Loans & Insurance » Car Insurance http://www.anfree.com Fri, 16 Oct 2009 18:30:00 +0000 http://wordpress.org/?v=2.8 en hourly 1 Car Insurance for Students and Teens http://www.anfree.com/car-insurance-for-students-and-teens.html http://www.anfree.com/car-insurance-for-students-and-teens.html#comments Wed, 21 Jan 2009 12:55:12 +0000 ewwink tazmania http://www.anfree.com/?p=1082 Students tend to get the raw end of the stick in the UK when it comes to finding car insurance. It goes without saying that insurance companies are incredibly severe to students in the area of pricing.

Many students have given up altogether and decided to just drive without insurance, which is illegal. Plus, it’s not a good idea. If the police catch you driving without insurance (which invariably they will at some stage or another) they have the right to take your keys and impound your car. Your fine could cost you up to £315 and, if the police get their way, they will ask you to produce a valid insurance certificate within 14 days (while you pay fees for the impound). Failure to do so could result in your car taking a trip to the crushers and being destroyed.

Ironically, one of the main reasons why teens car insurance premiums are so high in the UK, especially for students, is because one in 20 people are reported to be driving without insurance. Altogether, this is costing over £500 million pounds a year in accidents as if someone uninsured crashes into you (assuming you are insured) then your insurance company will probably still come calling to you to pay an excess; and you’ll get a black mark on your record – whether it was your fault or not.

If you don’t have insurance and crash into someone else you’re going to have to pay their insurance company for the damages. Plus, you won’t have a car anymore. For a student, having that kind of debt could really cripple them for a few years, financially.

Is it fair that the law – and life – demands you have insurance and yet insurance is so expensive? Well, the fact of the matter is that you probably can get cheaper student car insurance. You just have to do some shopping around, spend a little money upfront, and maybe take a little longer to get on the road.

If you’re planning on studying next year now is a good time to get all of your things in order. Find a certified driving course in your area and see if they will offer you provisional insurance. Look at the advanced driving course called Pass Plus and see if you can do the course in your area – it can drive your overall premiums down eventually. Start getting an idea of the car market and do research to see which cars get lower premiums. Certainly, the safer and more conservative the car is on the performance side the better premiums you will get. You will also save on fuel and car tax, especially if you’re planning on living in the bigger cities.

If you can, or if your parents can help you, you may even want to take a look at the new car market. Many new car dealers are offering three years free insurance on their cars. When you do the math you may be, in fact, saving substantially.

When you’re still a learner driver stick to the laws and rules of the road applicable to you. Don’t drive on the motorways, and make sure you have a valid L-Plate (or D-Plate) displayed on the rear and front of your car. A mark against your name at any time can result in much higher insurance premiums for you in time to come. And, for goodness sake, don’t drink and drive.


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]]> http://www.anfree.com/car-insurance-for-students-and-teens.html/feed 0 Tips to Find Antique Car Insurance http://www.anfree.com/tips-to-find-antique-car-insurance.html http://www.anfree.com/tips-to-find-antique-car-insurance.html#comments Wed, 21 Jan 2009 12:47:58 +0000 ewwink tazmania http://www.anfree.com/?p=1080 Car insurance of any sort can be difficult to find but the process can become especially hard when you are dealing with antique car insurance. You need to put even more care into finding antique car insurance because you want to make sure that your valuable vehicles are covered completely and protected.

Getting Started

The first step to finding antique car insurance is to learn about the different options that are available to you. Depending on the state that you live in you will be offered different companies in your local area, so learn about each of these and what they have to offer.

You will also want to speak to the various different body shops in your area, as the body shop managers here will have a very unique and helpful perspective to offer you. They will have a great deal of knowledge and experience on the different antique car insurance companies and will be able to tell you which are the best and which you should probably avoid.

Considering insurers’ financial strength ratings will also be helpful to you here, and this should usually be done as a final check. This will be research well spent, but keep in mind that for the average consumer, looking up these ratings is only a formality because generally as long as you go with a well-known name, and a company with a good reputation, then you know they are going to be a safe bet.

Working with an agent may be ideal for you, especially if you feel very confused about the situation and are not sure where to start. There are also many advantages that you are offered by having your own agent, including the fact that they will have a vested interest in keeping you happy and this means making sure that you find the right antique car insurance company for you.

They will be the one to worry about all the little details to save you the trouble, and because you are working with a professional you know that you will be getting the best possible results.

You can find the right insurance company, with a little bit of help and a lot of patience. Just make sure that you are aware of the fine print and that your beautiful antique cars are going to be covered in the ways that you were hoping for. The worst thing that could happen is that you think you are covered for something you really are not and then end up encountering problems in the future.


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]]> http://www.anfree.com/tips-to-find-antique-car-insurance.html/feed 0 Finding Cheapest Price Car Insurance http://www.anfree.com/finding-cheapest-price-car-insurance.html http://www.anfree.com/finding-cheapest-price-car-insurance.html#comments Wed, 21 Jan 2009 12:44:24 +0000 ewwink tazmania http://www.anfree.com/?p=1078 When you drive, one of the most essential item to have is car insurance. This can amount to a great sum of money each month that you must pay in premiums. Locating low cost car insurance is a smart thing to accomplish since it may permit you to hold insurance while additionally saving money simultaneously. You can never appreciate at what time you may possibly be involved a car accident and you have to have insurance since if the collision is your mistake, then the driver of the other car may sue you if you aren’t covered.

While looking for a car insurance company, you should make certain that you locate one that will provide you with the lowest rate as well as with a decent policy. There are a lot of firms out there that might offer you an excellent insurance rate, however as soon as it comes to providing you sufficient auto insurance to protect you or somebody you may injure, they might possibly fall short.

You might be a capable driver and might have a clear driving record, but you can never predetermine when you might get into an accident. It’s more advantageous for you to be protected than to be stuck with no insurance and looking at a drawn out uphill climb. What’s more, it’s essential to comprehend that you could get hit by another driver, and if they don’t hold insurance and have no assets, then you have to be covered so that you can have your own car repaired, too.

Keep in mind that obtaining a low cost auto car insurance policy isn’t that hard, nevertheless you would like to take care that you compare and search every policy so that you obtain the best auto insurance lowest price.


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]]> http://www.anfree.com/finding-cheapest-price-car-insurance.html/feed 0 Tips To Reduce Van Insurance http://www.anfree.com/tips-reduce-van-insurance.html http://www.anfree.com/tips-reduce-van-insurance.html#comments Mon, 19 Jan 2009 07:02:59 +0000 ewwink tazmania http://www.anfree.com/?p=985 Size does matter when it comes to getting a van insured. The large the engine size the more insurance the premiums will be. There are a number of things you can do to reduce the annual insurance premiums on your van.

1. Ask the insurance company to increase the voluntary excess. All insurance have a voluntary excess applied to them. By asking to increase this amount the insurance premiums will become lower. By reducing the excess should you be involved in an accident caused by you, you will have to pay more however; if the accident is deemed ‘non-fault’ by the insurers you can sometimes be reimbursed for the excess you have paid. Discuss this option with the insurance company to see whether you take this option to lower the premium.

2. No Claims Discounts should be declared. The more proven years of claims free driving you have the large the discounts will be. It is possible to transfer no claims discounts earned on cars to a Van Insurance, shop around to get the highest discounts you can. Protecting your no claims discounts may also be offered by the insurers. This enables you to make a certain number of claims before losing the discount. Protecting your no claims will mean higher premiums.

3. Towing a trailer to carry goods or machinery in order to carry out work is an essential necessity for some van drivers. Many insurance companies will offer cover for trailers as inclusive with the policy, others do not. Cover for trailers are sometimes only available as an optional extra. The important thing to remember if you do tow a trailer or machinery is to ensure it does not exceed the legal weight limits. If it does and you need to make an insurance claims you may find that you have breached the terms and conditions of the policy and may not receive any payment.

4. Insurance companies will look favourably on drivers who take security of both their van and its contents seriously! Reducing the risks by keeping the van in a locked garage when not in use and installing alarms or immobilisers will enable the insurers to offer you discounts. If you do one or more of these tell the insurers! 5. The amount of mileage you do will affect the premiums. Lower annual mileage may offer lower insurance costs.

Irrespective of which car insurance company you opt for terms and conditions will be applied to the policy. Each insurer will have their own criteria, so it is wise to read them carefully to make sure you have the correct type of cover to suit your personal and/or business needs.

Likewise what is included in a comprehensive policy will also vary between insurers. Look out for those which have inclusive deals for things like legal expenses, breakdown cover or short duration European cover.

To further help reduce Van Insurance premiums it is worth telling insurance companies that you are shopping around. Many will offer to match like for like quotations you receive from their competitors.


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]]> http://www.anfree.com/tips-reduce-van-insurance.html/feed 1 Before Getting Car Finance in the USA http://www.anfree.com/before-getting-car-finance-in-the-usa.html http://www.anfree.com/before-getting-car-finance-in-the-usa.html#comments Fri, 16 Jan 2009 10:58:30 +0000 ewwink tazmania http://www.anfree.com/?p=956 When you consider purchasing a new car, a lot of us usually do not have the money lying around to pay for it straight up. As a result, an auto loan in America becomes a needed thing. There are lots of things that you should know before going after a sub prime car finance in the USA. First off, realize that there is a great opportunity that is waiting for you on the internet, which is an online car loan. There are a lot of companies that offer online Instant car loans and with just a little bit of research, you will be able to figure out what type of auto loan in the USA is best for you.

Apply Online for Pre-Approved Auto Financing in USA!!

Long Term: These instant car loan are generally only offered with the purchase of a brand new car, and usually last for the period of thirty six, forty eight, or sixty months. This sort of car loan in America features a smaller monthly payment, but you will end up having to pay more over the course of the loan. One problem that can come up while having a long term car loan is that the value of the vehicle may fall below what you actually end up having left to pay on the loan.

Short Term: These types of car loans in America generally have a higher monthly payment, but over the course of the loan you have to end up paying less, and will end up probably also being offered a Instant car Loans than what was available with the long term car loan.

Apply Online for Fast car Finance in America!!

Auto Dealers: It’s usually a lot easier to get guaranteed car loans in the USA through a car dealer than it is by other conventional methods. However, the rate of interest will end up being a bit higher on this type of car loan, but it is typically processed more quickly and the approval rates are high.


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