Monday 06th of September 2010

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Affordable New Jersey Car Insurance - Where to Get It PDF Print E-mail
Written by Brian Stevens   
Looking for affordable New Jersey car insurance but don't want to waste a lot of time shopping for quotes? Here's a brief explanation of insurance coverages, how to save money on them, and how to get affordable insurance quickly and easily.

Minimum New Jersey Car Insurance

New Jersey requires you to have three types of car insurance coverage: liability , personal injury protection, and uninsured/underinsured motorist coverage. Comprehensive and collision coverage are not required.

Liability Coverage

Liability coverage pays for the other party's bodily injury and property damage expenses when you cause an accident. It also covers your legal bills if you're sued.

If you don't have a lot of assets and you don't drive a lot, you may want to stick with the minimum liability coverage which is: $15,000 bodily injury liability coverage for one person, $30,000 bodily injury coverage for all injuries, and $5,000 property damage liability coverage. However, if you do have a lot of assets you'll want to get enough liability insurance to cover them in case you're sued.

Personal Injury Protection

Personal injury protection coverage pays for you and your passengers' medical bills if you have an accident in your car, someone else's car, or if you're walking. If you already have medical insurance then you only need to get the minimum amount of coverage.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage pays for your medical bills if you're injured by an uninsured driver, an underinsured driver, or a hit-and-run driver.

Comprehensive and Collision Coverage

Comprehensive coverage pays for damage to your car caused by theft, natural disasters, fire, or vandalism. You can save money on this coverage by raising your deductible (the amount you're required to pay on a claim before your insurance kicks in).

Collision coverage pays for repairs to your car if you cause an accident. You can save money on this coverage by raising your deductible. Raising it from $200 to $500 will save you up to 30% on your premium.

Compare Rates the Easy Way

The only way to know if you're getting the best insurance rate for your situation is to compare rates from different companies, and the easiest way to do that is to go to an insurance comparison website. It only takes a few minutes, it's easy, and it's free.

Visit http://www.LowerRateQuotes.com or click on the following link to get affordable New Jersey car insurance quotes from top-rated companies in your area and see how much you can save. You can get more car insurance tips by checking out their "Articles" section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on affordable New Jersey car insurance.
 
5 Important Tips for Insuring Your Luxury Sports Car PDF Print E-mail
Written by John Brooks   
Shopping for the right car insurance for that luxury sports car you worked so hard to get can be a daunting task. Use these tips to help you get the most insurance offering the best protection for your money!
You’ve done it!

You bought your dream car. But did you consider insurance before you bought it?

That shining beauty has a roaring engine. The finish gleams. The tires squeal. It’s a real eye catcher.

But it’s very likely to catch the eye of a thief, too. That’s why you need insurance. Not just any insurance. Insurance that’s specific to kind of luxury or sports car you now own.

Here are 5 of the most important tips you need to know to properly insure your luxury car:
  1. Find the right insurer. Not every insurance company will sell you insurance for your luxury car. Finding an insurer for a 2007 BMW 335i Coupe, Maserati or a Rolls Royce isn’t as easy as finding one for that Ford Echo. The dealer who sold you the car can recommend insurance agents or you can look in publications like Hemming's Motor News, Car and Driver or search online for specialty brokers. Expect rates to run 15-20% above non-sports or luxury models. Remember, much of your insurance is calculated on replacement value and repair costs.
  2. Decide whether you’re a daily driver or a "Saturday Nighter." You must give potential insurers an accurate estimate of your annual mileage. If you just take your baby out on sunny summer Sundays for a drive in the country or to cruise on Saturday nights, you can save big on insurance because of the low miles driven. Less than 5,000 miles is usually the limit.
  3. Join the club! Consider becoming a member of the owner’s club for your model or auto maker. Club members are always willing to share tips about such things as upkeep, special problems and maintenance as well as sources of parts and even good insurers.
  4. Ask for discount auto insurance. Beyond anything else, ask the insurance company what memberships you could belong to or what you could add to the car (a security system generally helps) to get the best coverage at the lowest price. Package insurance coverage policies for your home or other cars together with your sports car. You could see savings in the total cost.
  5. Don’t forget to tell your insurer about that $5000 audio system or any other expensive aftermarket accessories that you’ve added on. They might not like that nitrous oxide supercharger, but if you don’t disclose it, it may not be covered in a claim.
Getting the best coverage for your luxury or sports car is a must. Use these tips to help you to protect that four-wheeled beauty so you can feel the wind in your face and just enjoy the scenery worry-free.
 
Don't Buy Car Insurance Online Until You've Read This PDF Print E-mail
Written by Simon Christopher   
Let's face it, even with the internet, buying car insurance is a pain. In fact, many insurers profit from our lack of persistence at renewal time because it's too much hassle to shop around. The truth is there are some simple tricks you can use to actually control the cost of your motor insurance. So hold off from getting any more quotes until you have read this article.
We all want the best quality car insurance for the lowest price. But with so much choice and a lack of understanding about how motor insurance is priced, most of us either take the path of least resistance and renew with our current insurer or just end up paying too much and hoping for the best.

Well, if you're looking to get lowest premiums possible - without sacrificing the level of cover you want - there are some little-known tricks you can use. Ask yourself these five questions before you get any quotes...

  1. How much do you drive?

    One of the factors that affects your insurance premium is the amount of driving that you do. The more you drive, the more you'll pay. Keep in mind though, that the premium rises kick in at specific levels, so pay attention to the numbers that you enter when applying for car insurance online. Where it asks you to estimate how many miles you drive in a year, round DOWN from the nearest thousand - 9,900 instead of 10,000, for example. Chances are that you'll shave a bit off your premium.
  2. Where do you buy your insurance?

    Most major insurers will discount your premium by as much as 10% if you buy your insurance from them online. It saves them money and time, after all, so they can pass the savings on to you. In addition, if you already pay for home insurance or life insurance, your current insurer may give you a discount for keeping it all in the family, so to speak.
  3. How do you pay for your car insurance?

    Most people know that if you pay for your annual premium all in one go, you'll save money. When you choose to pay in monthly installments, some insurers charge you interest. Did you know, though, that you can also save money if you agree to pay in installments by direct debit? Check with your insurer to find out if they offer a discount for agreeing to pay your car insurance by direct debit or automatic credit card charge each month. It can work out nearly as cheap as paying it all up front.
  4. Am I special?

    The newest trend in car insurance is in 'specialty' insurance policies and companies that cater to specific demographics. Insurance companies base most of their pricing decisions on statistics. Do you belong to a group that statistically has fewer accidents than the general public? Do you belong to an organization, club or group that may have worked out a special deal with an insurance company? You may get lower premiums with some companies because you're a woman, or because you're over 50, or because you save with a particular bank. So, think about which companies you already buy from and use this to your advantage.
  5. Can you improve your driving skills?

    Even if you've been driving for decades, taking an advanced driving course can lower your premiums for years to come. Anything you do that reduces the risk to the insurer will lower your premiums, so check with your insurer to find out how much you can save if you enroll in and complete a course in advanced driving.
    6. There are other common sense suggestions that can help you avoid higher insurance charges as well. Whenever possible, do business directly with the insurance company instead of going through a broker. When applying for insurance online, decide what type of cover you want and whether a host of extras is of any value to you. Some policies provide basic comprehensive cover at low price and strip out all of the options that many drivers don't use. Shop around and compare policies and premiums to be sure you're getting the best price. If you follow these tips and tricks, you'll find yourself paying considerably less for your car insurance at renewal time.

    To discover more little-known money saving tips visit the Car Insurance Companies Index which not only contains a directory of cheap car insurers like Norwich Union Simple Cover, but you'll also find customer reviews and buying guides to help you track down the best policy for you.
 
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