New York Auto Insurance - How to Get the Cheapest Rate
by Brian Stevens
Think you're getting a good price on your New York auto insurance? With a little bit of fast and easy research you may be able to get your New York auto insurance even cheaper. Here's how ...
Visit an Insurance Comparison Website
To find cheap New York auto insurance, begin by visiting an insurance comparison website on the internet. These websites make it fast and easy to find cheap New York auto insurance quotes. And if you have any questions about your auto insurance, the best comparison sites have an online chat feature so you can get your questions answered by insurance professionals. (See link below.)
Complete Your Insurance Information
At the insurance comparison website, you'll need to complete a simple form with information about your:
* Vehicles, such as the year, make, model, and safety features.
* Personal information, such as your name, address, and age.
* Driving habits, such as the number of miles you drive each year and any tickets or accidents you've had.
* Coverage amounts you want. In New York, you must have at least $25,000 bodily injury coverage for one person, $50,000 bodily injury coverage for two or more people, and $15,000 property damage coverage.
* Deductible amounts you want for comprehensive and collision coverage. Collision coverage pays to repair or replace your car after an accident, while comprehensive coverage pays if your car falls victim to a natural disaster, vandalism, or theft. The higher you set your deductibles, the lower your insurance premium will be.
Once you complete the form, you'll soon have multiple auto insurance quotes from A-rated companies to choose from. By taking a few minutes to shop around and compare quotes, you'll be able to find the cheapest New York auto insurance available.
Visit http://www.LowerRateQuotes.com or click on the following link to get cheap New York auto insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.
About the Author
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on New York auto insurance.
Thursday, May 31, 2007
Wednesday, May 30, 2007
How To Compare Low Cost Automobile Insurance In Colorado
How To Compare Low Cost Automobile Insurance In Colorado
by Elizabeth Newberry
Colorado has some of the highest auto insurance rates in the nation so it is vital for most Colorado drivers to comparison shop for the lowest cost auto insurance they can find.
Unfortunately no one low cost automobile insurance policy is right for all Colorado drivers; however, there are a few things to look for when comparing rates.
Your age is a factor in determining your auto insurance rates. Obviously there's nothing you can do to alter your age, but if you are a young driver and still in school getting good grades translates into lower insurance premiums from several companies. And - obviously - keeping a good, clean driving record also helps keep your rates down.
Tickets, especially for speeding or other moving violations count against you and can significantly increase your rates. Making frequent claims will also impact your rates in a negative manner.
If you are an older driver your rates may also be increased simply due to the fact that older drivers - as a group - are considered a greater insurance risk than middle-aged drivers. Taking an approved refresher driver's training course can help bring those rates back down. Senior organizations, such as AARP may have additional ideas for ways to keep your rates from skyrocketing.
If you drive a sports or muscle car, or an extremely pricey automobile you can count on paying higher rates. Consider trading in for a more sedate model if you're having trouble affording your current premiums.
For many people the easiest change to make in their auto policy is the deductible they are willing to pay. A deductible is the amount that you agree to pay out of your own pocket for the repair of your car whenever there is a claim. In this way the insurance company pays less for the repair and the insured has an incentive not to make small or frivolous claims.
In virtually all cases, the larger your deductible the lower your monthly premium payments.
If your car is being financed then the company financing your car will require that you carry full insurance coverage on your car. However, if you own an older car that is paid for, you can also cancel what is called the Comprehensive portion of your insurance and merely keep the Collision portion of your policy, which is required by state law in Colorado.
Comprehensive insurance pays for the repair of your vehicle in case of an accident. If your car is old or has little remaining value you can save money by canceling the comprehensive portion of your policy and paying for your own repairs out of your own pocket if you are in an accident.
There are several sites online which allow you to enter all or most of the above information into a simple form which will then print out an easy-to-read side-by-side comparison of the rates currently being offered by different insurance companies here in Colorado. If you have access to the internet getting such a comparison can save you hundreds - in extreme cases even a thousand dollars or more - each and every year in auto insurance premiums.
About the Author
Low Cost Automobile Insurance Quotes in Colorado Fast Car and Home Quotes
by Elizabeth Newberry
Colorado has some of the highest auto insurance rates in the nation so it is vital for most Colorado drivers to comparison shop for the lowest cost auto insurance they can find.
Unfortunately no one low cost automobile insurance policy is right for all Colorado drivers; however, there are a few things to look for when comparing rates.
Your age is a factor in determining your auto insurance rates. Obviously there's nothing you can do to alter your age, but if you are a young driver and still in school getting good grades translates into lower insurance premiums from several companies. And - obviously - keeping a good, clean driving record also helps keep your rates down.
Tickets, especially for speeding or other moving violations count against you and can significantly increase your rates. Making frequent claims will also impact your rates in a negative manner.
If you are an older driver your rates may also be increased simply due to the fact that older drivers - as a group - are considered a greater insurance risk than middle-aged drivers. Taking an approved refresher driver's training course can help bring those rates back down. Senior organizations, such as AARP may have additional ideas for ways to keep your rates from skyrocketing.
If you drive a sports or muscle car, or an extremely pricey automobile you can count on paying higher rates. Consider trading in for a more sedate model if you're having trouble affording your current premiums.
For many people the easiest change to make in their auto policy is the deductible they are willing to pay. A deductible is the amount that you agree to pay out of your own pocket for the repair of your car whenever there is a claim. In this way the insurance company pays less for the repair and the insured has an incentive not to make small or frivolous claims.
In virtually all cases, the larger your deductible the lower your monthly premium payments.
If your car is being financed then the company financing your car will require that you carry full insurance coverage on your car. However, if you own an older car that is paid for, you can also cancel what is called the Comprehensive portion of your insurance and merely keep the Collision portion of your policy, which is required by state law in Colorado.
Comprehensive insurance pays for the repair of your vehicle in case of an accident. If your car is old or has little remaining value you can save money by canceling the comprehensive portion of your policy and paying for your own repairs out of your own pocket if you are in an accident.
There are several sites online which allow you to enter all or most of the above information into a simple form which will then print out an easy-to-read side-by-side comparison of the rates currently being offered by different insurance companies here in Colorado. If you have access to the internet getting such a comparison can save you hundreds - in extreme cases even a thousand dollars or more - each and every year in auto insurance premiums.
About the Author
Low Cost Automobile Insurance Quotes in Colorado Fast Car and Home Quotes
Friday, May 25, 2007
Car Insurance Guide - How To Minimize Premium And Maximize Service
Car Insurance Guide - How To Minimize Premium And Maximize Service
by Millard Hiner
Auto insurance is almost always required by law, so there is a good chance you will need to become educated on it at some point in your lifetime. A good way to do this is by using the car insurance guide, which helps one find cheap auto insurance and figure out which plan is best for your needs. The fee that you pay annually for car insurance is called a premium. If you get into an accident that is your fault, your auto insurance company pays the repair costs of the other person's car.
Online auto insurance is the main focus of this car insurance guide , but it will also touch briefly on other types. A plethora of results will come out for search of 'car insurance' in net. The best option would be, however, to get a result comparing insurance options from different companies so as to get the best possible results in terms of money.
When choosing car insurance, be sure to go with a known company. Small and cheaper companies compensate for the low rates with poor service. For a policy holder, service and speed is very important when it comes to estimates or payment for any repairs. Buyers will desire agents available to answer any questions in making their insurance decisions.
Although it is not the focus of this car insurance guide, offline insurance works well from some people. There are companies that act as brokers for many different insurance companies. These groups can help you compare different insurance policies and assist you with the choosing process. Some people prefer this method because they get to speak with a live person, instead of just typing in information over the internet. Individual insurance companies also have their own storefronts where you can meet with an agent and discuss that particular company.
Choosing a car insurance policy can be very confusing, and the car insurance guide can help with that. It is important to know that the minimum insurance policy required by law in most states is liability insurance. Liability insurance pays only for repairs to the other party's car in accidents that are your fault, but not for any other costs.
If your car is financed (that is, if you have car payments) most loan companies will require you to have comprehensive insurance. This insurance will reimburse you for the cost of repairs to your own car, if an accident is your fault.
You can purchase many other types of insurance to put on your policy. Some policies pay your repair costs if the other driver isn't insured and the accident is your fault like "Underinsured motorist" insurance while other policies cover roadside assistance, medical care, and much more.
Your deductible is a key component of your insurance policy. The deductible is the amount you pay to fix your car when an accident is your fault. Higher deductibles mean more out of pocket costs to you in the event of an accident, but they also mean cheaper premiums.
About the Author
Car insurance can be claimed by just paying insurance premium every month and when accident occurs your money will be reimbursed. The best way to search for the car insurance is searching on the internet, it will give you options of many company.
by Millard Hiner
Auto insurance is almost always required by law, so there is a good chance you will need to become educated on it at some point in your lifetime. A good way to do this is by using the car insurance guide, which helps one find cheap auto insurance and figure out which plan is best for your needs. The fee that you pay annually for car insurance is called a premium. If you get into an accident that is your fault, your auto insurance company pays the repair costs of the other person's car.
Online auto insurance is the main focus of this car insurance guide , but it will also touch briefly on other types. A plethora of results will come out for search of 'car insurance' in net. The best option would be, however, to get a result comparing insurance options from different companies so as to get the best possible results in terms of money.
When choosing car insurance, be sure to go with a known company. Small and cheaper companies compensate for the low rates with poor service. For a policy holder, service and speed is very important when it comes to estimates or payment for any repairs. Buyers will desire agents available to answer any questions in making their insurance decisions.
Although it is not the focus of this car insurance guide, offline insurance works well from some people. There are companies that act as brokers for many different insurance companies. These groups can help you compare different insurance policies and assist you with the choosing process. Some people prefer this method because they get to speak with a live person, instead of just typing in information over the internet. Individual insurance companies also have their own storefronts where you can meet with an agent and discuss that particular company.
Choosing a car insurance policy can be very confusing, and the car insurance guide can help with that. It is important to know that the minimum insurance policy required by law in most states is liability insurance. Liability insurance pays only for repairs to the other party's car in accidents that are your fault, but not for any other costs.
If your car is financed (that is, if you have car payments) most loan companies will require you to have comprehensive insurance. This insurance will reimburse you for the cost of repairs to your own car, if an accident is your fault.
You can purchase many other types of insurance to put on your policy. Some policies pay your repair costs if the other driver isn't insured and the accident is your fault like "Underinsured motorist" insurance while other policies cover roadside assistance, medical care, and much more.
Your deductible is a key component of your insurance policy. The deductible is the amount you pay to fix your car when an accident is your fault. Higher deductibles mean more out of pocket costs to you in the event of an accident, but they also mean cheaper premiums.
About the Author
Car insurance can be claimed by just paying insurance premium every month and when accident occurs your money will be reimbursed. The best way to search for the car insurance is searching on the internet, it will give you options of many company.
Wednesday, May 23, 2007
Pennsylvania Auto Insurance - Where to Get the Best Rates
Pennsylvania Auto Insurance - Where to Get the Best Rates
by Brian Stevens
Looking for auto insurance in Pennsylvania? Want to know where to get the best rates with the best companies? Here's how ...
Pennsylvania Auto Insurance Requirements
In order to drive your car in Pennsylvania the minimum amount of auto insurance coverage you need is:
1. $15,000 bodily injury liability coverage for one person and $30,000 coverage for two or more people. This pays your legal fees and claims made against you if your car kills or injures one or more persons.
2. $5,000 property damage liability coverage. This pays your legal fees and claims made against you if your car damages someone else's property.
Optional Pennsylvania Auto Insurance
In order to adequately protect yourself if you have an accident you may want to purchase the following coverages in addition to bodily injury and property damage insurance:
* Collision coverage pays for repairs to your car, no matter who was at fault, when you're involved in an accident.
* Comprehensive coverage pays for repairs to you car from damage caused by theft, vandalism, storms, and causes other than an accident.
* Uninsured/underinsured motorist coverage pays for costs due to injuries or property damage to you, your family, or your passengers by an underinsured, uninsured, or hit-and-run driver.
* Personal Injury protection coverage pays your medical expenses and your passenger's medical expenses when you're involved in an accident. It also pays for you and your family's medical costs if you're in an accident in someone else's car or when you're walking.
Getting the Best Rate With the Best Company
To get the best price on anything you need to comparison shop, and the same holds true for auto insurance.
To get a cheap auto insurance rate, go to a website where you can get quotes from a number of auto insurance companies. Get at least three quotes, then compare them and choose the best one.
Some of the better insurance websites have a toll-free number and a chat feature where you can talk with an insurance professional to get answers to any questions you may have (see link below.)
To find out if a company is reliable and will pay your claim, go to A.M. Best's website (ambest.com) to check their financial stability, and Epinions (epinions.com) to get consumer reviews and ratings of the company.
Visit http://www.LowerRateQuotes.com or click on the following link to get pennsylvania auto insurance rates from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
About the Author
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on Pennsylvania auto insurance.
by Brian Stevens
Looking for auto insurance in Pennsylvania? Want to know where to get the best rates with the best companies? Here's how ...
Pennsylvania Auto Insurance Requirements
In order to drive your car in Pennsylvania the minimum amount of auto insurance coverage you need is:
1. $15,000 bodily injury liability coverage for one person and $30,000 coverage for two or more people. This pays your legal fees and claims made against you if your car kills or injures one or more persons.
2. $5,000 property damage liability coverage. This pays your legal fees and claims made against you if your car damages someone else's property.
Optional Pennsylvania Auto Insurance
In order to adequately protect yourself if you have an accident you may want to purchase the following coverages in addition to bodily injury and property damage insurance:
* Collision coverage pays for repairs to your car, no matter who was at fault, when you're involved in an accident.
* Comprehensive coverage pays for repairs to you car from damage caused by theft, vandalism, storms, and causes other than an accident.
* Uninsured/underinsured motorist coverage pays for costs due to injuries or property damage to you, your family, or your passengers by an underinsured, uninsured, or hit-and-run driver.
* Personal Injury protection coverage pays your medical expenses and your passenger's medical expenses when you're involved in an accident. It also pays for you and your family's medical costs if you're in an accident in someone else's car or when you're walking.
Getting the Best Rate With the Best Company
To get the best price on anything you need to comparison shop, and the same holds true for auto insurance.
To get a cheap auto insurance rate, go to a website where you can get quotes from a number of auto insurance companies. Get at least three quotes, then compare them and choose the best one.
Some of the better insurance websites have a toll-free number and a chat feature where you can talk with an insurance professional to get answers to any questions you may have (see link below.)
To find out if a company is reliable and will pay your claim, go to A.M. Best's website (ambest.com) to check their financial stability, and Epinions (epinions.com) to get consumer reviews and ratings of the company.
Visit http://www.LowerRateQuotes.com or click on the following link to get pennsylvania auto insurance rates from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
About the Author
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on Pennsylvania auto insurance.
Tuesday, May 22, 2007
How to Avoid Depreciation in Your Car
How to Avoid Depreciation in Your Car
by Kari Hoopes
The average car will cost you between $650 and $850 a month because of the car payment, insurance, gasoline, and maintenance. The largest depreciating asset you will probably buy. There are ways to reduce these costs, but can you avoid auto depreciation altogether? There is little you can do to stop depreciation, though the one thing you can control is how much you buy your car for and somewhat how much you sell it for. Though the car is always depreciating, the effective depreciation (total loss over the time you own your car) can be minimized or eliminated by properly controlling your buy price, sell price, and time held.
Automobile price movement, like the stock market is stochastic: a combination of random price movements trending in a general direction. The price direction of a car is more predictable than the stock market: always downward, though you do get a slight increase in the summer months as more people are buying. As the price moves down, selling prices fluctuate quite dramatically above and below the average price. As a result, a car selling on average for $20,000 may represent a broad range of sales between $18,000 and $22,000 dollars. This standard deviation will increase as the price of the car increases and the supply of the car decreases. As a result, you will get a tighter spread in a Toyota Camry as compared to a comparably priced BMW.
So to eliminate the cost of your car, simply buy at the low end of the price spectrum and sell at the high end of the spectrum. This is exactly what dealers do, they buy your car at a low price and then sell you one of their makes at a higher price. They then trade yours to another dealer for one which fits best on their lot (the underworld of dealer auto auctions). If you trade in a BMW at a Lexus dealership, the dealer will probably sell that BMW at auction and buy a Lexus at auction, because they know that people are coming to their dealership to buy a Lexus. They can expect to turn cars quicker and for a higher price because of this. Having another car on the lot is competition. Dealers will usually lose some money selling the trade in at auction, but the cost is worth it.
This is not always the case, however. As long as a trade in is not on the selling lot it is not competing with their other cars. If they can get more money for the car and not lose regular business, they will offer this car to consumers. These cars are the ones you typically see being sold by dealers on Ebay or as internet only specials on their website. You should expect to pay book trade in value for one of these vehicles. Whether you buy privately or from the backlot of a dealer, either way you will probably pay less for your vehicle, meaning less effective depreciation over time.
To find these deals, know exactly what you want and then keep a close eye on internet listings, including ebay in your target area, you can also call up a dealership directly. Let them know you are from out of the area and are looking for a good deal on a specific car. If they don't have it, they may put you on a notification list, and will definitely check out the upcoming dealer auction listings. If they can buy the car at auction for less than you are willing to pay, they may buy it for you, because it is small but easy money for them.
Finding a good deal on a car is not so difficult for the patient buyer, but buying the car is only half the process. The next questions is how long should you keep the car? If you buy a car for $10,000 which you can logically sell for $12,000, then there is no depreciation until the selling price drops below 10,000 at which point it depreciates just like normal. Therefore, to completely eliminate the cost of owning the car, sell the car before this point. You will have effectively erased depreciation on the car. As a bonus, you may also be able to reduce maintenance costs because you can selectively choose cars which you know will not need predictable maintenance in the coming year (i.e. new tires, brakes, belts, etc.)
I personally buy and sell luxury cars annually. Luxury cars because prices flucutuate in a wider range; and annually because that is typically about the time it takes for a car to depreciate to my buying price. The best time of the year for me to sell a car is near the end of summer when annual prices are high; and buy 2 months later, when the market is flooded with new cars and used car prices are at their annual low. Drive this car for 10 months and resale at the end of summer. Keep a simple vehicle around to drive during that time you are looking for your next car.
This strategy is not for everyone; it reduces only about half the cost of owning a car and can take a lot of patience. If you enjoy owning different cars and trying new things, this strategy may be right for you.
About the Author
Kari Hoopes: Editor of http://automotive.yourbetterbuy.com , writing articles to help people make better consumer and financial decisions.
by Kari Hoopes
The average car will cost you between $650 and $850 a month because of the car payment, insurance, gasoline, and maintenance. The largest depreciating asset you will probably buy. There are ways to reduce these costs, but can you avoid auto depreciation altogether? There is little you can do to stop depreciation, though the one thing you can control is how much you buy your car for and somewhat how much you sell it for. Though the car is always depreciating, the effective depreciation (total loss over the time you own your car) can be minimized or eliminated by properly controlling your buy price, sell price, and time held.
Automobile price movement, like the stock market is stochastic: a combination of random price movements trending in a general direction. The price direction of a car is more predictable than the stock market: always downward, though you do get a slight increase in the summer months as more people are buying. As the price moves down, selling prices fluctuate quite dramatically above and below the average price. As a result, a car selling on average for $20,000 may represent a broad range of sales between $18,000 and $22,000 dollars. This standard deviation will increase as the price of the car increases and the supply of the car decreases. As a result, you will get a tighter spread in a Toyota Camry as compared to a comparably priced BMW.
So to eliminate the cost of your car, simply buy at the low end of the price spectrum and sell at the high end of the spectrum. This is exactly what dealers do, they buy your car at a low price and then sell you one of their makes at a higher price. They then trade yours to another dealer for one which fits best on their lot (the underworld of dealer auto auctions). If you trade in a BMW at a Lexus dealership, the dealer will probably sell that BMW at auction and buy a Lexus at auction, because they know that people are coming to their dealership to buy a Lexus. They can expect to turn cars quicker and for a higher price because of this. Having another car on the lot is competition. Dealers will usually lose some money selling the trade in at auction, but the cost is worth it.
This is not always the case, however. As long as a trade in is not on the selling lot it is not competing with their other cars. If they can get more money for the car and not lose regular business, they will offer this car to consumers. These cars are the ones you typically see being sold by dealers on Ebay or as internet only specials on their website. You should expect to pay book trade in value for one of these vehicles. Whether you buy privately or from the backlot of a dealer, either way you will probably pay less for your vehicle, meaning less effective depreciation over time.
To find these deals, know exactly what you want and then keep a close eye on internet listings, including ebay in your target area, you can also call up a dealership directly. Let them know you are from out of the area and are looking for a good deal on a specific car. If they don't have it, they may put you on a notification list, and will definitely check out the upcoming dealer auction listings. If they can buy the car at auction for less than you are willing to pay, they may buy it for you, because it is small but easy money for them.
Finding a good deal on a car is not so difficult for the patient buyer, but buying the car is only half the process. The next questions is how long should you keep the car? If you buy a car for $10,000 which you can logically sell for $12,000, then there is no depreciation until the selling price drops below 10,000 at which point it depreciates just like normal. Therefore, to completely eliminate the cost of owning the car, sell the car before this point. You will have effectively erased depreciation on the car. As a bonus, you may also be able to reduce maintenance costs because you can selectively choose cars which you know will not need predictable maintenance in the coming year (i.e. new tires, brakes, belts, etc.)
I personally buy and sell luxury cars annually. Luxury cars because prices flucutuate in a wider range; and annually because that is typically about the time it takes for a car to depreciate to my buying price. The best time of the year for me to sell a car is near the end of summer when annual prices are high; and buy 2 months later, when the market is flooded with new cars and used car prices are at their annual low. Drive this car for 10 months and resale at the end of summer. Keep a simple vehicle around to drive during that time you are looking for your next car.
This strategy is not for everyone; it reduces only about half the cost of owning a car and can take a lot of patience. If you enjoy owning different cars and trying new things, this strategy may be right for you.
About the Author
Kari Hoopes: Editor of http://automotive.yourbetterbuy.com , writing articles to help people make better consumer and financial decisions.
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