Car Insurance - Comparing Auto Insurance Quotes

By  Victor C.

It doesn't mater where you are trying to get a car insurance, USA, Canada or any other country; you can save good money by looking for auto insurance at discount prices. Of course, the first thing you need to do is to get several auto insurance quotes in order to choose the best one for you.
   
Don't listen to people who tell you that finding good and affordable car insurance is very difficult, this is actually a simple task if you use the online tools that you can find on the Internet. Several auto insurance companies can provide you with insurance quotes instantly by using the resources offered in their sites making very easy and fast to buy an auto insurance right at that moment.

As we mentioned before, it's really important to get as many insurance quotes as you can and compare their coverage. Of course, it's very important to all the clauses that might be hidden. A good number of quotes that you could compare is 10. That will give you a good range of comparison in order to get the best one possible.

Another advantage of buying your car insurance online is that you can save lots of time and money. There's no need to spend hours on the phone or driving around town from company to company in order to see an agent. You can get all this in a few minutes with a few clicks and in the comfort of your own home.

You should also know that the car insurance industry is very competitive. For that reason, many companies can offer up to 40% discount if you get your insurance online. This competition is the best thing that can happen to consumers since the prices will tend to get lower with the pass of the time which will allow you to always be able to get the best deal at the best price.

For young people is more difficult to get a cheap car insurance. But if you spend a couple of hours online, you will be able to find great [http://www.fancyacar.co.uk/car-insurance/18-year-old/]18 year old car insurance. One of the sites you should visit to get more information is: [http://www.fancyacar.co.uk/]http://www.fancyacar.co.uk/.

Article Source: [http://EzineArticles.com

Do You Qualify For Cheap Car Insurance? Take This Test!

By Debra Proctor

It's always a mystery as to why different people get different rates on their insurance. Why do some people get cheap car insurance and others don't? Wouldn't you like to know if you could be one of the lucky ones that can qualify to get cheaper insurance? Take this quick test and see if you could be one of those lucky people that can get a better rate and what you can do to improve your chances of better rates.

-    Do you have any safety features installed on your car?

-    Do you belong to any professional organizations?

-    Are you a senior citizen?

-    Do you have a high-risk profession?

-    Are you insuring more than one driver?

-    Are you willing to insure more then just your vehicle?

-    Are you willing to raise your deductible?

-    Have you been involved in any automobile accidents within the past year?

-    Does your teenager get good grades?

If you checked any of the above questions, you are eligible for a discount on your auto insurance. Let's look at these one-by-one.

1.      Safety features installed - If your car came equipped with, or you had installed air bags or anti-theft devices, you qualify for a safety feature discount.

2.      Professional Organizations - Some companies will give you a lower rate on your auto insurance if you buy through a group plan from your employer, business or alumni groups, or other associations like AAA.

3.      Senior Citizen - The age at which you are considered a senior citizen varies from company to company, but check to see if you have reached that 'magic' age. Some organizations give a $300 discount to customers over 50.

4.      Profession - Insurance companies have conducted studies that show certain professions  have safer drivers. These professions are: educators, scientists, and engineers.

5.      Insuring multiple drivers - Companies refer to this as "multi-line" insurance and  will give you a better deal if you insure more than one family member with them. They're getting more business, so they give you a break.

6.      Insuring more than your vehicle - You will qualify for a multipolicy discount if you buy your auto, home and life insurance from the same insurance company.

7.      Assuming more risk - By changing your deductible from the standard $1,000 to $250 you could cut your premium by up to $677 per year.

8.      Clean driving record - If you've had no accidents or traffic tickets in the last three to five years, you will qualify for a safe driver discount.

9.      Good grades - Many companies will give you a "good student" discount when your child makes a "B" average or above.

So, how did you do? Now that you're armed with knowledge about which discounts you may or may not qualify for, go out and do some comparison shopping so you can take advantage of these discounts and get cheap car insurance.

Go to http://www.Auto-Insurance-Advice.info now for more information to answer your most asked questions about [http://auto-insurance-advice.info/]cheap car insurance and how to get the best rates.

Article Source: [http://EzineArticles.com

Banks That Offer Auto Loans For Bad Credit Individuals - 5 Tips

By Marie-Claire Smith

When it comes to auto loans, people with good or excellent credit (credit scores above 700) don't know how good they have it. For these borrowers, auto loans are easy to come by. And, not only that, but these lucky folks are offered at the lender's primo interest rates: the lowest the lender is able to offer to anybody. Yes, for such a borrower, one can feel like a V.I.P. when they walk into the lending office.

But, what about the rest of us? Those with fair or poor credit scores do not have such a nice time when attempting to finance a car. If a bad credit person even gets approved at all, they count themselves lucky - and then smile while paying ridiculous interest rates.

Fortunately, there are banks that offer auto loans for poor credit individuals. These auto lenders can be a godsend for bad credit individuals who need a car. Here are 5 tips for getting approved for the best-possible interest rate from these banks:

1. Most banks avoid credit-challenged individuals like the plague:

There is a good reason why most banks do not like to lend to bad credit individuals. And, it may not be for the reason that you think. Sure, banks feel they are at greater risk for a loan default when they lend to people with poor credit scores. But, that is not the real reason why they prefer not to loan to them. The real reason is: looking at factors beyond the credit score is more work for them.

You see, banks know that there are plenty of credit-worthy people out there who have low credit scores. But, taking the time to identify other factors that makes them worthy of an auto loan would just be too time-consuming. They would rather simplify everything down to a single 3-digit credit (FICO) score. And, who can blame them?

2. Some banks actually seek out bad credit individuals to lend to:

The good news is that there are a handful of banks out there who actually look to lend to people with low credit scores. These banks are willing to take a bit more time to really understand each individual borrower to determine whether they are worthy of lending to. In short: they look beyond the credit score.

3. Start with a list of multiple bad credit lenders and make them fight over you:

To get hooked up with one of these banks, start by searching for and making a list of multiple bad credit lenders. You are going to want to "force" them to compete for your business, so make sure that your list includes at least 3-4 lenders.

4. Know your credit score:

Spend a few minutes to find out your credit score with one, if not all three, of the major credit bureaus. Even if you already know you have a bad credit score, you will be more empowered in negotiations if you know exactly where you stand.

5. Before applying, choose a reasonably-priced car:

One final tip: before applying for loans with these lenders, make sure to choose a car that is within your means. It is true that some bad credit lenders will lend almost any amount of money to the right borrower, but the fact is that you will increase your chances of loan approval by choosing a reasonably-priced car.

Follow these 5 tips for finding banks that offer auto loans for bad credit individuals.


Get a list of bad credit auto loan lenders in your area at: [http://www.squidoo.com/100-percent-financing-bad-credit-car-loans]Bad Credit Auto Lenders.

Article Source: [http://EzineArticles.com