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What To Consider When Getting Car Insurance While Traveling Overseas?

Planning to go on a vacation? Making a long business trip overseas?

While traveling abroad on business or on holiday it is always a good practice to
be covered with Travel insurance.
However, travel insurance is usually confined to health insurance coverage only.
If you plan to drive a car on your travel abroad, you will need to consider car insurance.

In some countries it is not necessary to have car insurance.
Nevertheless, it is still recommended. You will need an international driver’s
license before you can rent a car or get insurance on it.

Check your existing car insurance policy for the coverage if you are a frequent flyer
to other countries. Ask your insurance company if they can include exactly what you want
in your existing policy. This is one of the best ways to get insured.

It is good to contact your credit card companies to See if you qualify for insurance for
driving abroad. Some credit cards company like American Express and MasterCard cover you
for car insurance when you are traveling abroad and driving a rented vehicle you charged on your credit card.
Check if there is a fee involved and shop for rates with all your credit cards you have.

Adding car insurance for driving in a foreign country while buying your travel insurance.
Check the difference in the premium and compare it with the fees you would pay if
you got all your insurance needs through your credit card.

If renting a car from a rental car agency, check if the rental of the car includes car insurance
if not buy a temporary car insurance from the rental car agency.
Choose the option of getting insurance from the car rental company if you do not have the
requisite coverage in your existing car insurance policy.
With a well-known company, you will most likely be assured of better
services and better car insurance coverage.
This may be the most economical method, depending on the number of days you plan to
rent the vehicle, and usually the easiest and most cost-effective method.

If you plan to use car of your friends, colleagues or company; ask if have car insurance coverage.
It is likely that their insurance policy may cover protections for anyone driving their car. It is better to be
safe than sorry later.

Author: E K Gann
Article Source: EzineArticles.com
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2010 09 03 E K Gann Other - Cars & Transportation Comments (0) Permalink

Michigan Cheap Car Insurance

To get cheap car insurance in Michigan, you must first start with Michigan’s minimum car insurance requirements. After all, there is no reason to purchase cheap car insurance if it is not going to be deemed a legal amount of coverage.

With the exception of motorcycles and commercial motor vehicles, all cars in Michigan must carry no-fault insurance. You can not register your car in Michigan without first having no-fault car insurance. In a nutshell, no-fault insurance provides car insurance coverage for you, the policyholder. The other party involved is covered by his or her own car insurance company.

There are three kinds of car insurance coverage required by Michigan: personal injury protection (PIP), bodily and property damage (BI/PD) and property protection insurance (PPI). A car insurance policy in Michigan covering these three components is a basic car insurance policy.

None of these car insurance requirements provide insurance coverage in the event your car is damaged or stolen. In Michigan, you must purchase collision insurance coverage and comprehensive insurance coverage in order to insure your car in the event of damage or theft. Collision car insurance coverage provides coverage for damages to your car, while comprehensive car insurance coverage provides coverage for theft of your car or its components and contents.

Michigan drivers are able to get cheap car insurance when they opt to purchase only the PIP, BIPD, and PPI car insurance coverage requirements. Collision car insurance coverage and comprehensive car insurance coverage is not normally required of Michigan drivers unless they have borrowed money to purchase their cars and their lenders require those coverages.

Of course, there are many other ways to get cheap car insurance in Michigan without simply purchasing the minimum car insurance coverage requirements. Ask your car insurance company or agent about the various discounts for good drivers, good students, driver education course completion, and multi-line policies that they offer and whether you are eligible.

Author: Elizabeth Newberry
Article Source: EzineArticles.com
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2010 09 03 Elizabeth Newberry Other - Cars & Transportation Comments (0) Permalink

Cheap Texas Car Insurance

In today’s advanced world of technology, the Internet has made it possible for us to shop for almost everything online. Car insurance is no exception, and drivers in California are able to purchase car insurance from the same auto insurance company used by drivers in West Virginia thanks to the Internet and the broad scope of advertising it provides.

However, when you are looking for cheap Texas car insurance, you should not overlook the option of purchasing the insurance from a Texas car insurance company. Purchasing cheap Texas car insurance from a Texas car insurance company does not mean purchasing the insurance from a company that is merely licensed to do insurance business in Texas. A Texas car insurance company is one that specializes in selling car insurance to Texas drivers and car owners.

Texas-based car insurance companies are able to sell cheap Texas car insurance because they are aware of any special factors that should go into car insurance in Texas. Rather than simply having policyholders in Texas, they have owners and agents in the area.

A Texas car insurance company will ask Texas drivers and car owners the same kinds of questions asked by any other car insurance company. The insurance company will want to know contact information about you, such as your name, your address, your telephone number, and your email address, as well as more personal information such as your marital status, gender, age, employment, and credit rating. The insurance company will also want to know information about your current Texas car insurance, information about your vehicle such as make, model, year, and vehicle identification number (VIN), and information about the people who also drive your car.

To begin your search for cheap Texas car insurance, start at home. Look at your newspapers, local television commercials, and telephone listings, and talk with your family members, friends, and co-workers about the Texas car insurance companies they use.

Author: Elizabeth Newberry
Article Source: EzineArticles.com
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Cheap Car Insurance in New Jersey

It is important to shop for cheap car insurance in New Jersey whenever you rent a car. If you rent a car in New Jersey, the car is not yours; it is only in your possession for a certain period of time. That means you can not put off repairing damages to the car until you can afford it. Rental car insurance is important.

One way to get cheap car insurance for rental cars in New Jersey is to pay the car rental agency’s collision damage waiver (CDW), loss damage waiver (LDW), liability insurance supplement (LIS), personal accident insurance (PAI), and personal effects coverage (PEC). These types of rental car insurance which will protect the rental car, your personal belongings, your person, and your bank account against damages acquired while the rental car is in your possession.

Yet, depending on how long you have the rental car, these insurance coverages can add up on your final bill, turning cheap car insurance to expensive car insurance. Therefore, you should check into other ways of obtaining cheap car insurance in New Jersey for your rental car.

If you already have car insurance for the vehicle you own, it may or may not cover rental cars – ask. If you do not own a vehicle, and therefore do not have a car insurance policy, you should look into temporary car insurance policies for rental cars in New Jersey. Yet, some car insurance policies do cover rental cars, or allow you to choose the option of insuring rental cars. You may even be able to choose that option for the specified amount of time you will have the New Jersey rental car.

Another option for obtaining cheap car insurance in New Jersey for your rental car is to use your credit card to pay for the rental. Many credit card companies offer these kinds of insurance services for special purchases such as renting a car.

Author: Elizabeth Newberry
Article Source: EzineArticles.com
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2010 09 03 Elizabeth Newberry Other - Cars & Transportation Comments (0) Permalink

Shop Around for the BEST Car Insurance Rates

Shopping your car insurance is quick and easy and you may even save hundreds of dollars per year. It really pays to check car insurance prices with several companies on a yearly basis. You might find a lower rate and you may even find a special discount as some insurance companies offer such things to new customers.

Where you live is a big influence on the cost of your car insurance. If you have a little time and the determination you will probably be able to find a cheaper insurance but you have to be willing to research it. One of the best places to look for affordable car insurance is the Internet. We always will have to deal with car insurance in our family budgets so it pays to become well informed.

Car insurance is insurance that provides protection against losses incurred during a car accident. But how much car insurance is enough? Although you have to have car insurance don’t pay more than you have to for good coverage. Car insurance is a major cost of owning and driving a vehicle and is required by all licensed drivers. Many of us do not know how to find the best rates available.

That being said, don’t be cheap about the car insurance you purchase, because as in other purchases you get what you pay for. All car insurance is not equal. Do some research, ask a lot of questions and then decide what type of car insurance is right for you. Shopping for car insurance is easier now that many companies have fully interactive websites. Because there are so many companies offering online car insurance the online discount offers have increased dramatically.

It’s worth shopping around online for car insurance today. Look for sites that offer multiple quotes to speed up comparison shopping such as:
“We Shop Around For You, And Come Back With the Top 5 Quotes”. We recommend you get at least 3 quotes to compare. These sites definitely will make your life easier but you can still go directly to the car insurance companies’ websites to look for quotes or to do research. There are also sites that rate car insurance companies, based on massive consumer surveys. These will definitely point you in the direction of the best policy for you. It may sound like a lot of bother to explore all of these possibilities but it will pay big dividends over the years.

Author: B. Steele
Article Source: EzineArticles.com
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2010 09 03 B. Steele Other - Cars & Transportation Comments (0) Permalink

Compare Los Angeles Car Insurance

The insurance industry in Los Angeles is extremely competitive, with an increasing number of insurance companies entering the market. A number of laws strictly regulate the insurance industry in Los Angeles. It is mandatory for all the car owners to get their cars insured, regardless of the model of the car and how old it is. It is in the best interest of the car owners to have car insurance, as it offers financial relief in case of sudden accidents and mishaps. Everybody wants to have car insurance that offers maximum coverage at unbeatable prices. A good research is probably the only way in which, car owners can find a good insurance company that offers, car insurance at reasonable prices. Car owners can opt for an insurance company, only after comparing quotes offered by different Los Angeles insurance companies.

Car insurance prices are fluctuating and change from time to time. Car owners can look around for better policies at reasonable prices, before renewing their policy. Many people continue to use the services of the same insurance company for years, without trying to find out if they can get a better deal elsewhere.

Many car owners seek assistance from an insurance agent who can guide them. The make, model, and the condition of the car are some of the deciding factors, a person must consider while selecting, an appropriate car insurance. Car owners must first decide how much coverage they wish to have, before looking out for an insurance company.

There are several auto insurance websites on the Internet that provide, rates of various reputed insurance companies. Car owners can easily compare the rates of all the insurance companies before making their choice. They can specify their individual requirements on these websites, to obtain rates of only those companies that best suit their needs. They offer online car insurance policies and the latest insurance information to help car owners to make the right choice.

Car owners must verify that the insurance company has a valid license, issued by the state. Generally, car owners who have good driving records can get car insurance at a lower price.

Author: Richard Romando
Article Source: EzineArticles.com
Provided by: Wordpress plugin Guest Blogger

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2010 09 03 Richard Romando Other - Cars & Transportation Comments (0) Permalink

Classic Car Insurance For Students

Students owning cars face the issue of keeping their car insured, as it is mandatory for any car owner in the US to carry insurance. Many students are listed as dependants in the insurance policies of their parents. However, some insurance companies insist on removal of a student?s name from the parent?s policy, particularly, when the policyholder has signed a waiver of assurance that the student will not drive a vehicle. In such cases, the students face lapse in coverage, which in the long term can be an obstacle to getting car insurance. It is therefore, imperative for students to have their own insurance policies.

Many insurance companies do not insure students and the ones that do provide it quote high premiums. This is more so when the car owned by a student belongs to the category of classic cars, which are typically old and obsolete models. Some students prefer to buy classic cars due to their vintage value but find it difficult to pay for large insurance premiums on such cars.

However, there are some insurance companies that offer ?third party only? insurance policies for classic cars at reasonable rates. Third party insurance covers students in the unfortunate event of an accident where someone is injured or killed. However, they are not compensated if the damage occurs to their own car. In this manner, students can be covered as third party for other vehicles.

Some companies offer students the fire and theft insurance policy, which is suitable for those that live in poorer, crime infested areas where cars are more susceptible to theft. This policy covers students if their car is stolen or damaged by acts of theft or arson. Classic cars can be easily stolen, as their locking systems are not as powerful as the modern cars.

Comprehensive car insurance is another type of insurance ideal for students, as it covers them against all risks that might occur to them or to other people while they are driving any model of car including classic cars. However, it entails high premiums, the burden of which can be lessened by paying a part of the initial cost of the claim known as ?excess?.

Despite the existence of different policies, it is advisable for students to take certain steps in order to enjoy low cost insurance policies. To begin with, their car should possess low car insurance group number. It is a good idea to take the ?Advanced Driving? test that affirms their driving skills. Fewer miles driven per year can also help students get better deals from insurance companies in terms of low insurance premiums.

Author: Josh Riverside
Article Source: EzineArticles.com
Provided by: Guest blogger

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2010 09 03 Josh Riverside Other - Cars & Transportation Comments (0) Permalink

Cheap Full Coverage Car Insurance

Do you know what it means to have full coverage car insurance? Having full coverage car insurance means you have more than just the minimum car insurance to “get by” in your state. With full coverage car insurance, you and your car are just that – fully covered and protected against anything that may happen to you or your car.

Obviously full coverage car insurance is going to cost more than the minimum car insurance requirements in your state. This is because you are covering everything. Because of the difference in cost, many car owners choose to purchase their state’s minimum car insurance requirements rather than purchase a full coverage car insurance policy.

Nice solution, but it won’t work for everyone. Some people, for a variety of reasons, are required to purchase full coverage car insurance.

So, how can you get cheap full coverage car insurance?

There are a couple of ways to get cheap full coverage car insurance. First, search, search, search! Don’t just choose the first car insurance company you find in the yellow pages – use all available resources. This includes newspaper advertisements, classifieds, commercials, billboards, word-of-mouth, and the Internet.

Second, search for a car insurance company that offers discounts for various reasons. Some car insurance companies offer discounts for good driving records, your age, the kind of car you drive, and the number of cars on your car insurance policy. There are also insurance companies that sell more than one kind of insurance policy, and will offer you discounts if you purchase two or more insurance policies from them. For example, you may be able to get cheap full coverage car insurance if, in addition to purchasing full coverage car insurance, you also purchase a homeowner’s insurance policy from the insurance company, too.

More coverage doesn’t always have to mean more money. Choosing the right company and finding discounts can help you get cheap full coverage car insurance.

Author: Elizabeth Newberry
Article Source: EzineArticles.com
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2010 09 03 Elizabeth Newberry Other - Cars & Transportation Comments (0) Permalink

Cheap Car Insurance in NC

The premium you pay for your car insurance in NC is dependent upon several factors, including your age, gender, driving record, traffic ticket and violation history, your living location, the kind of car you are insuring, and the insurance company from which you purchase your car insurance in NC.

A few of these factors can’t be changed; some can be altered in time. However, despite all of these factors, the amount of car insurance in NC you purchase is always going to have an effect on the cost of your car insurance premiums. Therefore, if you’re looking for cheap car insurance in NC, it would make sense to purchase NC’s minimum car insurance requirements, wouldn’t it?

The minimum car insurance requirements for NC are as follows:

$25,000 for coverage of property damage

$30,000 for coverage of the bodily injury of one person

$60,000 for coverage of the bodily injury of two or more persons

Purchasing merely the minimum car insurance requirements in NC isn’t recommended, and not always allowed if your vehicle isn’t fully paid for.

Yet, if your car is completely paid for, and you’re in a situation in which you’ve just graduated and entered the workforce or you’ve just left the workforce and gone back to school, money may be tight. You must have at least the minimum car insurance requirements in NC, so you’ll want your car insurance to be as cheap as possible. In these cases, getting cheap car insurance in NC may be dependent upon purchasing just the minimum car insurance requirements. Seriously consider purchasing more car insurance once you’re financially able.

For more discounts to get cheap car insurance in NC, check out NC’s insurance department, or talk with the car insurance agency from which you plan to purchase your car insurance policy. Many insurance agencies offer discounts for purchasing multiple policies, good driving records, and even adding addition cars to the insurance policy.

Author: Elizabeth Newberry
Article Source: EzineArticles.com
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2010 09 03 Elizabeth Newberry Other - Cars & Transportation Comments (0) Permalink

Car Insurance for the Under 25’s

With age being something that can have a significant impact on the cost of car insurance it’s always a good idea to shop around.

Car insurance quotes for the under 25’s can make the cost of running a car totally unaffordable especially if the person concerned has had an accident or incurred points on their license.

One of the best ways of saving money on your car insurance no matter what your age is to get as many competitive car insurance quotes as possible. The availability of so many consumer products on the internet, including all types of insurance, means that it has never been easier to save money when looking to insure your car.

All the main players enable you to get car insurance quotes on line including Progressive, StateFarm, Allstate, Viking and Nationwide. Check them out or even better get a good insurance broker to do the job for you.

Other ways to help reduce your cost of car insurance if you are under 25 are:

o Avoid sports cars and other vehicles that are considered high risk in the auto insurance industry. Cars with a higher risk of accidents, more expensive to repair or more prone to being stolen will push up your car insurance premiums.

o Get married, a bit rash I know but married under 25’s are often considered less of a risk with car insurance companies than their unmarried counterparts.

o Give consideration to where you live. Living in an area that experiences a higher level of theft and vandalism will increase your car insurance premiums.

o Drive with care and avoid speeding tickets or other convictions. Car insurance providers can come down hard on those with points on their licence particularly if they are under 25.

o Never drink and drive. A drink drive conviction (DUI) will really push up your car insurance.

o Some car insurance companies will reduce their premiums for those who lower mileage users.

o Get quotes from insurance companies that can meet all your insurance needs. Discounts are now being offered to those whose cover more than one car through the same insurance company or who use the same insurance company for householders insurance or other types insurance as well as their car insurance.

Never assume that the same company will provide you with the best insurance quote year after year. Shop around every time your car insurance comes up for renewal, the odds are you will be able to better the deal.

Author: Terry Ross
Article Source: EzineArticles.com
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