Auto insurance is a must for all automobile owners, which repay you in case your automobile is stolen or damaged in an accident. Most people complain about the high prices of auto insurance policy. Here we offer you some money saving tips with the help of which you can get the best car insurance quotes online as well as best auto insurance policy.If you are a new car owner or your previous auto insurance policy needs a renewal then it’s time for you to search for a new one.
You will be surprised to know that different insurance company offers different premium for the same coverage. Thus, it is in your interest to find a low premium, more coverage best auto insurance policy.
Local market search will be not enough, go to the websites of auto insurance companies and request for car insurance quote online.While requesting for car insurance quote online provide all your details to the auto insurance company such as your name, age, zip code, address, your marital status, car’s annual commuting miles and safety features of your car because as default they will surely offer you high car insurance quote online.
Your credit history matters a lot for auto insurance companies. Reviews of insurance companies have shown a correlation between credit scores and risk to an insurance company. Thus, manage your credit score to a positive level before requesting for a car insurance quote online.
uring the request for car insurance quote online keep an eye on discounts provided by auto insurance companies, mainly on their websites. With offered discounts, you can drop your premium.If you have a life insurance policy or health insurance policy or any other insurance, it is recommended to ask the same insurance company for auto insurance.
They will surely provide lower car insurance quote online, as you are their client.By following all these recommendations, we are sure that you will be able to buy the best auto insurance policy to protect your car, truck or any other vehicle against theft or damage.
Wednesday, October 24, 2007
Saturday, October 20, 2007
Understand Auto Insurance
Auto (car) insurance is a type of insurance coverage for damage to and resulting from an auto. Insurance of this type can cover a variety of things depending on the kind of auto insurance that has been purchased.
All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.
It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.
Auto insurance is slightly different than other types of insurance because you can purchase auto insurance that covers specific needs. For this reason there are different kinds of auto insurance. Auto insurance basics are covered by liability auto insurance plans. Liability auto insurance is usually the minimum required by state laws. Liability auto insurance is characterized by a set dollar amount of coverage for damages resulting from accidents or negligence. The coverage amount of liability auto insurance can be applied to property damaged in the accident that is not an auto.
Car insurance also comes as collision auto insurance. Collision auto insurance is meant to cover the cost of repairs to a vehicle involved in an accident, or the cash value of the vehicle if it cannot be repaired.Comprehensive auto insurance is also available.
With comprehensive auto insurance, coverage of fees for repairs is provided for accidents that are not collisions. Comprehensive auto insurance will, for example, cover hail or fire damage.
All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.
It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.
Auto insurance is slightly different than other types of insurance because you can purchase auto insurance that covers specific needs. For this reason there are different kinds of auto insurance. Auto insurance basics are covered by liability auto insurance plans. Liability auto insurance is usually the minimum required by state laws. Liability auto insurance is characterized by a set dollar amount of coverage for damages resulting from accidents or negligence. The coverage amount of liability auto insurance can be applied to property damaged in the accident that is not an auto.
Car insurance also comes as collision auto insurance. Collision auto insurance is meant to cover the cost of repairs to a vehicle involved in an accident, or the cash value of the vehicle if it cannot be repaired.Comprehensive auto insurance is also available.
With comprehensive auto insurance, coverage of fees for repairs is provided for accidents that are not collisions. Comprehensive auto insurance will, for example, cover hail or fire damage.
Thursday, October 18, 2007
Insurance help to take care your health?
We are so busy that it's easy to put our health care needs aside. Do you make time for your annual exam and preventive screenings? Below are the recommendation test for your need.
General Services & How Often
Height and weight - At each visit
Blood pressure - Annually
Cholesterol - Once every 5 years
Fasting blood sugar -Every 3 years starting at age 45
Vision - 20 to 39 years of age: every 3 to 5 years
40 to 65 years of age: every 2 years
Over 65 years of age: every 1 to 2 years
Hearing - Once at age 65 (more frequently if necessary)
Colon cancer - After age 50, colonoscopy every 10 years and fecal occult blood testing annually
Depression assessment - At each visit
Female Specific
Clinical breast exam - Every 1 to 2 years
Mammogram - 40 to 49 years of age: every 1 to 2 years
50 years of age and older: annually
Pap smear - At least every 3 years
Chlamydia screening -For all sexually active women age 25 and younger: annually
Bone mineral density - At menopause
Postmenopausal - every 2 to 3 years
Male Specific
Digital prostate exam - Annually if age 50 or older
PSA (prostate surface antigen) - Annually if age 50 or older
Abdominal aortic aneurysm -Screen by ultrasound in men age 65 to 75 who have ever smoked
Monday, October 15, 2007
Try this out - AmBank Car Innovative Insurance? Is it really innovative?
AmAssurance Bhd is banking on innovation as part of its strategy to give the company a stronger foothold in the automobile or motor or even vehicles insurance industry.
It is currently one of the top two motor insurers and among the top 10 life insurance companies in Malaysia.
Chief executive officer Ng Lian Lu said AmAssurance would bank on innovation in its life and general insurance offerings to strengthen its position.
“We are confident that through continuous innovation, the company will be able to ride on the stiff competition and improve its market share as well,” he told StarBiz in an interview.
Ng, who is also the president of the Life Insurance Association of Malaysia, said being innovative would also help the company to realise its vision of becoming the preferred composite insurer.
Part of the company's innovation strategy involves providing swift settlement of claims.
This could be seen in the recent Genting Sempah Nuri helicopter crash tragedy and the Bukit Gantang bus accident, during which the company's claims professionals took the initiative to issue claim cheques even before any claims were submitted by the beneficiaries, he said.
Some of AmAssurance's leading products and services that it expects to strengthen its life business are the Super 0% Easy Payment Plan (EPP) and AmMillionnaire Kit.
In general insurance, Ng said the company was pinning its hopes on the AmAuto Extended Warranty (AEW) and Free Group Term Life Assurance (with motor insurance programme) to garner a larger market share in this segment.
He said in the coming months, its existing 4,000 life insurance agents would be empowered with the all new AmMillionnaire Kit, a powerful sales, recruitment and training tool targeted at increasing and elevating their recruitment and sales activities.
The Super 0% EPP is an interest-free virtual credit card that offers the company's customers the opportunity to own life insurance protection.
Ng said the AEW safeguarded car owners against paying for expensive and unforeseen repair bills, adding that AmAssurance was the first company to provide such insurance coverage.
The company was also the first insurer to offer free incremental life insurance coverage for every renewal made on an existing motor insurance policy.
Wednesday, October 10, 2007
What Is Group Term Life Insurance? What Is The Benefit Of Group Term Life Insurance?
Group term life insurance is the term used when term life insurance is taken in a group. Mostly employers usually take the group term life insurance for their employees.
It is very obvious that insurance companies will give more incentives to their group term life insurance policy, since they will get the business in bulk and they have very few paper works to handle. For customer point of view the group term insurance is very cheap compare to other life insurance.
Group term life insurance covers the employees or insurer when they die unexpectedly. In case of employee the benefit is generally calculated considering the wage of particular employee.
For any sized companies the group term life insurance is the first choice for employee’s life insurance. Since due to competition, it is very important to offer life insurance coverage to attract good employees. So with lower insurance premiums compare to other life insurance, most companies opt for group term life insurance for their employees.
There is also an option available to change the group term insurance in to the individual life insurance plan. This option is used mainly by the employees who leave the company. For employee’s point of view this is the great option. Most group term life insurance is also deductible while calculating the tax which is one of the factors why group term insurance is the first choice for most of the employers.
Apart from this there are other benefits of group term insurance also. Group term life insurance does not require medical examination. This means that the employee who was denied other life insurance on the ground of medical examination can obtain group term life insurance.
By Alfred Henders (source: http://EzineArticles.com/?expert=Alfred_Henders)
It is very obvious that insurance companies will give more incentives to their group term life insurance policy, since they will get the business in bulk and they have very few paper works to handle. For customer point of view the group term insurance is very cheap compare to other life insurance.
Group term life insurance covers the employees or insurer when they die unexpectedly. In case of employee the benefit is generally calculated considering the wage of particular employee.
For any sized companies the group term life insurance is the first choice for employee’s life insurance. Since due to competition, it is very important to offer life insurance coverage to attract good employees. So with lower insurance premiums compare to other life insurance, most companies opt for group term life insurance for their employees.
There is also an option available to change the group term insurance in to the individual life insurance plan. This option is used mainly by the employees who leave the company. For employee’s point of view this is the great option. Most group term life insurance is also deductible while calculating the tax which is one of the factors why group term insurance is the first choice for most of the employers.
Apart from this there are other benefits of group term insurance also. Group term life insurance does not require medical examination. This means that the employee who was denied other life insurance on the ground of medical examination can obtain group term life insurance.
By Alfred Henders (source: http://EzineArticles.com/?expert=Alfred_Henders)
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