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Beat the Road Tax Blues With Cheaper Car Insurance

March 18, 2009 by · Leave a Comment
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Gordon Brownâ??s 2007 budget looks to have hit some drivers hard. If your car was registered after the 23rd March 2006 and emits more than 225g/km of CO2 it will fall into the new Band G bracket. If you car falls into this category your road tax will be increasing from £210 to £300 in 2007 and to £400 in 2008. Most family saloons, MPVs, 4x4s and sports cars are likely to fall into this new high tax band.

If your have a Band G car you do of course have the choice of changing to a lower band model; the road tax on a Vauxhall Corsa for example will decrease from £50 to £35 as it falls into Band B. For many people however this may not be an option. If you have a large family or run a small business driving an MPV or 4×4 may well be a necessity.

This being the case it makes good sense to offset the extra cost with savings in other areas. One area with the potential for good savings is car insurance. There are many actions you can take to lower your car insurance premium and any savings you make can help to pay your increased road tax bill:

â?¢ Increase your voluntary excess â?? increasing the amount you are prepared to cover yourself in the event of a claim can help to lower your car insurance premium. When considering this it is important to remember the potential cost if you need to claim on your policy.

â?¢ Downgrade your policy â?? if your car is relatively cheap it may be beneficial to take out cover for third-party, fire and theft rather than fully comprehensive cover.

â?¢ Park securely â?? parking your car on a secure drive or in a locked garage can help you obtain a lower motor insurance premium than if your car were parked in the street.

â?¢ Shop online â?? make use of the internet to search the market quickly to find cheap car insurance. A full online search could unearth policies that traditional methods may not and some car insurance companies offer discounts for policies purchased online.

â?¢ Mileage â?? calculating and limiting the number of miles you drive each year can help to lower your car insurance when you are looking for a quote. If your circumstances change (i.e. a shorter work commute) then limiting your mileage could prevent you paying for miles you arenâ??t covering.

â?¢ Limit modifications â?? heavily customising or modifying your car can lead to higher premiums as it promotes a â??boy-racerâ? image in the eyes of insurance companies.

â?¢ Fit an immobiliser â?? installing an approved immobiliser has the dual benefit of making you car more secure and could help to lower the cost of your car insurance.

â?¢ Pass Plus â?? if you have recently passed your driving test completing the Pass Plus training programme can help you qualify for car insurance discounts from a range of participating companies; the Pass Plus certificate can only be obtained within 12 months of passing your practical test.

If the car you drive means you are likely to face expensive road tax increases look to offset the cost by seeking out a lower car insurance premium. As with many other drivers there are numerous ways you can lower your premiums and following these steps may help you free up some cash to meet the increased financial demands of being a motorist.

Peter Ecob
http://www.articlesbase.com/insurance-articles/beat-the-road-tax-blues-with-cheaper-car-insurance-122722.html

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Cheap Motor Car Insurance

March 15, 2009 by · 10 Comments
Filed under: Blog 

You know the basics about getting cheap motor car insurance. Drive a safe motor car, and park your motor car in a safe location. Purchase a motor car with anti-lock brakes, air bags, and automatic safety belts. Add certain features to the motor car that might not be present, such as anti-theft systems. Avoid traffic citations and accidents by driving cautiously and obeying the traffic rules, and nurture your driving record. Even purchasing your motor car insurance policy from the same insurance company you purchase another type of insurance policy can help you obtain cheap motor car insurance.

But did you know that making certain changes to your motor car can actually increase your motor car insurance premiums? People who make modifications to their motor cars, such as replacing the engine with one that has more horsepower, adding a spoiler to the motor car, or even changing the color of the motor car sometimes end up paying higher motor car insurance premiums than those people who do not make such modifications.

The drivers who are at the highest risk for having increased motor car insurance premiums due to these types of changes are those drivers who alter motor cars’ appearances as a hobby. While these kinds of motor car modifications may be fun to make and nice to look at, they could end up costing the driver and/or owner of the vehicle more money in the long run.

Think twice before you make any major alternations to your motor car. Unless you have the extra cost to pay the higher motor car insurance premiums, spoilers and flashy paint jobs just aren’t worth the extra dime. Plus, it defeats the purpose of making the extra effort to get cheap motor car insurance – purchasing a safe vehicle, driving in a safe manner, and parking it in a safe place – if you’re just going take on more costs by altering the motor car.

To get free quotes and learn more about insurance please visit the following recommended sites.

Elizabeth Newberry
http://www.articlesbase.com/finance-articles/cheap-motor-car-insurance-83138.html

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Car Insurance Rates Compare Auto Insurance Quotes Online

March 15, 2009 by · Leave a Comment
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Car Insurance Rates Compare Auto Insurance Quotes Online As an Get Safe Insurance.com customer you get all these great benefits with our comprehensive policy: • FREE courtesy car – when your car is repaired by an Get Safe Insurance.com approved repairer • Named Driver No Claims Bonus…

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Cheaper Car Insurance In Michigan

March 14, 2009 by · 3 Comments
Filed under: Blog 

According to Michigan’s Department of Labor and Economic Growth, there are a plethora of ways to obtain cheap car insurance in Michigan – most of which apply to any car insurance company in Michigan from which you choose to purchase your cheap car insurance.

The factors to help you get cheap car insurance in Michigan range from past, present, and future actions by you as a driver in Michigan.

Past

You may be eligible for a long-term policyholder discount if you have been with the same cam insurance company for a specific period of time. If you haven’t had any traffic violations or accidents for a specific period of time, you may also get a cheap car insurance rate in Michigan. Also, if you have a degree past high school, or have maintained a certain grade point average for a specific period of time, you may be offered discounts on your Michigan car insurance.

Present

If you belong to an approved organization, currently have a good credit score and credit history, have no youthful drivers on your policy, pay higher deductibles, and have only purchased the minimum collision coverage, you’re likely to get cheap car insurance in Michigan. Other factors include your age and income. Drivers over the age of 65, and drivers of low-income families, are eligible for cheap car insurance in Michigan, too.

Future

If none of the above applies to you, there are changes you can make to get cheap car insurance in Michigan. Consider combining your car insurance policy with an insurance company from which you purchase another insurance policy, such as your homeowner’s insurance policy, or insure more than one vehicle on the same car insurance policy. Practice safer driving, take a driver education course, and work on repairing your credit score. Making sure your car is as safe as possible and always wearing your seatbelt are additional ways to get cheap car insurance in Michigan.

Elizabeth Newberry
http://www.articlesbase.com/finance-articles/cheaper-car-insurance-in-michigan-81145.html

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How to Shop for Car Insurance

March 13, 2009 by · 6 Comments
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Car insurance is something that we all need to have but how many of us take the time to shop around? Probably not as many as that number should be. Basically, shopping for car insurance is something that we should all do periodically, just to make sure we are still getting the best rate possible and not paying too much. There are always new guys coming on the block who are offering a better deal.

When you shop around for car insurance, be very cautious if you think you have discovered a better quote. You do not need to be an expert in insurance terminology to find out that you are not comparing apples to apples. For example, if everything looks the same on two policies, look again. Oh yes, one has a $300 deductible and the other one has a $1200 deductible. That is a major difference.

When comparing different car insurance rates, you should shop online, but do not think for a minute that those are the best rates around. They may be good, but you need to be thorough in your shopping, since your local insurance company can sometimes beat the quotes that you get online. This all comes down to too many aspects to list here, but one of the main considerations is your driving record. If your driving record is good, free of accidents and tickets, then you are in good shape.

If your driving record is less than stellar, however, the car insurance rates are going to go up, sometimes into the stratosphere. If you have had several tickets or a couple of accidents on your driving record, even if you were not at fault in the accidents, then getting a good deal on car insurance is relative, because all the rates that are quoted to you are going to be higher than what you would like to pay.

Car insurance is just something that you need to have. Most states require it, and the ones that do not, well, they probably will in the very near future. So just plan on it, and be sure to figure that in with your monthly car payment, because the two payments are joined at the hip.

Although there are many factors that make up the cost of how much car insurance is going to cost you, one of the primary factors is the type of vehicle you need to carry car insurance for. It should be obvious that insuring a late model Jaguar is going to cost significantly more than insuring a late model Kia, but that aspect is only looking at the overall value of the car. The cars crash safety test records and how much it costs to repair that car in case of an accident also come into play.

So take the time and effort to shop around for your best car insurance quote to ensure you get the best deal possible. Although you can and should check prices online, do not make the mistake of assuming that is as good as it gets. The time and effort you put into shopping thoroughly for car insurance can save you a bundle of money.

Jon Arnold
http://www.articlesbase.com/insurance-articles/how-to-shop-for-car-insurance-120290.html

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    My Pains, My Chiropractor

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