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Cnn Shines Light on Car Insurance Companies
Recently, CNN has covered the problems faced by people when claiming money from car insurance companies. The report aired on Anderson Cooper 360Ë? found out that most of the insurance companies in the country use a philosophy based on three Ds. These are delay, deny, and defend. Insurance companies, as illustrated by the show, delay handling claims from victims, deny that the claimant was hurt and defend their decision in court if it comes to that. This philosophy has made it hard for claimants to get their fair compensation, as hard as a steering system without a Volvo steering rack . The show reveals that even victims of minor car accidents find it hard to get fair compensation from insurance companies. The story revolved around the experience of Roxanne Martinez, who tried to claim $25,000 for the medical payments and lost wages but only offered $15,000 by Allstate, the insurance company of the person who hit her car in Santa Fe, New Mexico.
Reporter Anderson Cooper and producer Kathleen Johnston worked on the report for 18 months and the result is that they found out that most insurance companies fight paying billions in claims. The story shows that when Martinez tried to claim the $25,000 that is rightfully hers, the insurance company only offered her $15,000 hoping that Martinez would take the money since the only other option left is to hire a lawyer and take the matter to the court. Martinez however, did not take the money but instead hired a lawyer, they won the case and the jury granted her $167,000. But the process took three years.
The report said that ten out of the top twelve insurance companies uses the three Ds in an effort to make money out of the misfortune of other people. The report also called on former insurance industry insiders to give comments on the said issue. These insiders said that if a person has the misfortune of getting in a collision and got hurt, insurance companies will more often try using the three Ds to make more money. Other corroborated the statements too; lawyers also stated that they know for a fact that several major insurance companies fights their way out of paying victims fairly.
Anderson Cooper 360Ë? also got their hands on a training manual from Allstate. Somewhere in the manual it is written to force â??smaller walk-away settlementsâ?. Another insider that the show interviewed was Shannon Katz. Katz is a former claims adjuster for the insurance company Allstate. She said that she would offer as low as $50 in some very minor cases. She said that poor people would take what they are offering for fear that they would get nothing at all.
The report stated that insurance companies are hoping that claimants will not wait for their claims to be handled and just walk away for those who suffered only minor accidents. Insurance companies are also hoping that claimants will not sue and just take what they are offering and simply leave it at that. Experts in the field say that the strategy employed by Allstate and other insurance companies has made then billions of dollars which does not rightfully belong to them.
In response to the report, Allstate sent an e-mail which states that they did not think CNN will deliver a fair report. But the insurance company has yet to address the issue that the show has raised. This silence on the part of the insurance company adds to the suspicion of the public that what the show reported is indeed the truth.
Car Insurance Tips – the Three Biggest Money Savers
With the rising number of car accidents and the rising cost of car insurance these days you want to be sure you’re getting the best insurance at the best rate. Here are three car insurance tips that will show you how to save the most amount of money.
Car Insurance Tips
Tip #1 – Shop for quotes. Shopping for quotes is by far the best way to save the most money on your insurance premium. There are a number of websites that will give you quotes from top insurance companies so you can compare them and get the cheapest rate. (See links below.)
I’ve known people who’ve saved $500 to $1,000 on their car insurance simply by switching companies.
Tip # 2 – Increase your deductibles. A deductible is the amount you pay on a claim before your insurance kicks in. Most of us never file claims for small amounts of damage because insurance companies can hike up your rates if you file too many claims, so it only makes sense to increase your deductible to an amount you feel comfortable with.
Increasing your collision deductible from $200 to $500 will cut your yearly premium by 15% to 30%. Increasing it to $1,000 can cut your premium in half.
Tip #3 – Drop collision coverage. Collision covers the cost of repairing damage to your car regardless of who was at fault. If you drive an older car, consider dropping collision coverage if your premium is equal to 10% or more of your car’s value.
Dropping your collision coverage can save you $300 to $500 a year depending on the age and make of your car.
Visit http://www.LowerRateQuotes.com or click on the following link to compare auto insurance rates from top-rated companies and see how much you can save. You can get more car insurance tips by checking out their “Articles” section.
Finding Car Insurance For Teenage Drivers Is Not Always Easy!
I can remember it well. Passing my driving test was perhaps the single most important day of my life. I was simply overjoyed, no, overwhelmed, ecstatic, elated. In fact, I was so thrilled at having passed first time that I gave myself a throbbing headache with all the overexcitement, but who cared. I had arrived. Look out girls, the new man about town will be cruising down a street near you!
Alas, it wasn’t so long after that that the bubble popped and the realities set in. Oh, I had saved hard enough and long enough with my part time work to buy my first motor, but being a young and inexperienced driver meant that finding affordable car insurance was not going to be an easy task. Actually, some of the early quotes I got worked out more than what the car was worth. Can you believe that!
Good ole dad came to the rescue and gave me a much needed reality check. First he explained why car insurance for young drivers was so pricey, and then he gave me some real useful tips on how to adjust to the situation so that I can get my first motor and gain some much needed experience. Here’s what he told me:
The first and obvious fact was that young drivers, and in particular young male drivers, are among the most reckless on the roads, therefore making them a high risk to the insurance companies. As the insurance business is out to make money, many are reluctant to hand out policies to young drivers. Many will deter you by offering a ridiculous premium that is well out of the reach of Joe the average teenager, or they will simply refuse to quote.
My dad went on to say that there are ways to get into the good books of insurance companies and methods to lower your early quotes. One of the first tricks is to forget the snazzy sports car as your first purchase. It’s always wise to go for a car that has a low insurance group number both for safety and cost reasons. If you are purchasing in the UK, these numbers range from 1 to 20, and the higher the number, the higher the premium. So, it’s important to narrow down your first choice of car by the insurance group number. Higher numbers are usually determined by a few factors including bigger engines, faster vehicles, and a higher price tag etc.
A low insurance group vehicle on the other hand, is obviously cheaper, smaller and less expensive. Ok, so this probably means your first wheels are not going to be the lady puller you hoped for, but be a little patient, play by the rules, and you’ll be getting your experience and no-claims bonuses banked in no time at all. Another advantage of purchasing from the low insurance group is that you will be looked at as a responsible kid by the insurance company. Many folks stay with the same company or broker for years and once they build up a good relationship with the insurer, there are some great deals and discounts offered over time.
Another cost cutter is to purchase only third party fire and theft insurance which will drastically reduce your premium. If your first car is old and inexpensive, maybe you don’t need to take out fully comprehensive cover. However, if you have spent a fair bit on your first motor, then only fully comprehensive will do of course.