Why You Really Do Need Car Insurance?

Car insurance is required by law, and it’s an expense a lot of people would rather do without. Paying regularly for something that you don’t actually use on a regular basis – and may never use if you’re lucky – can seem like it’s a money-making scam on the part of the insurance companies. 

The truth is that car insurance is an investment that you are making in protecting yourself and your future from the unexpected. It’s not a scam – and yes, you really do need it.

It’s the Responsible Thing to Do

The laws requiring car insurance exist for a good reason. If an error of judgment on your part causes someone else to be injured or their property damaged, then you are responsible for the cost of making it right. If you broke a friend’s property, you would feel that the right thing to do would be to pay to repair or replace it. Why should it be any different with a stranger?

When it comes to car accidents, the level of financial responsibility is much higher. Damages can and do regularly run into the thousands. What happens without insurance when people are responsible for such damages but can’t pay for them? Extended court battles, financial struggles, and simply a lack of the ability to carry the responsibility for one’s actions.

Having car insurance makes certain that you are financially responsible for any damages you might cause. You pay that premium in order to maintain the ability to get those damages covered should that day ever come when you face a claim against you. Car insurance is required by law to protect everyone and make sure that you, too, will receive compensation if you’re on the other side of the claim one day.

Accidents Happen

It’s a common phrase for good reason: yes, accidents happen. They happen every day to the tune of millions of dollars in property damage and medical bills. They happen to good drivers. Everyone makes mistakes. You carry car insurance because of that simple fact.

While most accidents are minor, serious accidents are not at all uncommon. They can result in the total destruction of your vehicle or that of another driver, and in serious injuries that can leave someone off work for an extended period of time. They can leave people dealing with final expenses for a loved one.

While car insurance doesn’t prevent these things from happening, it provides a financial security blanket that ensures that if nothing else; figuring out who everything will be paid for is one thing you don’t have to worry about when you’re dealing with an accident large or small.

Remember that an accident doesn’t have to be your fault for insurance to be helpful. Even when the other driver is at fault, it can still cover you if you’re involved with an uninsured or under insured motorist. It can cover you for the rental car you need, and even pay for towing.

You Can’t Afford Not to Have It

Unless you’re one of the few who is independently wealthy and has a large supply of cash to draw on if you are faced with a claim against you, then car insurance is something you simply can’t afford to be without. Think about it this way: if you can’t afford the car insurance premiums, how will you afford the much, much higher cost of paying a claim out of pocket?

Car insurance doesn’t exist to scam people out of their money on a product they may never use. It exists to protect you against the very real risk that you could find yourself financially responsible for some large bills you can’t afford to pay.

It’s true that car insurance is something you pay for largely without using for long periods of time. But when the day comes that you do need it, it can save you from a financial disaster.

It’s Not Only Accidents

Many people think that since they are good drivers, they have no need of car insurance. But there is another side to car insurance. What happens if your car is stolen and wrecked? What happens if it’s destroyed by fire, or keyed by vandals?

car insurance is there for more than to cover you in the event of an accident. Most car insurance policies today come with a range of extra coverage and services that can make them valuable and helpful even if you never have an accident. Things like roadside assistance and rental car coverage are helpful options that increase the value you get out of your insurance policy.

Car insurance is something every driver needs because no one can predict the future. Taking the risk of driving without insurance is not only illegal – it can have a far-reaching impact on your life should you make the gamble and lose.

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Protect your Purchase: Safe Car Buying to Avoid Fraud

A car is a major purchase, and the last thing you want is to find out after the fact that you have been tricked out of a large sum of money. When buying a car from a private party there are some steps you should take to ensure you’re making a legitimate deal. Scammers use false documents that may look legit to get you to hand over cash, only to find out you are not the legal owner of the car or that you now own a car that was previously written off or is damaged. You can ensure that a used car transaction goes smoothly and safely by following a few simple steps before you buy.

Vehicle History Reports 

The quickest way to find out what that vehicle has been through in the past is you obtain a vehicle history report. You will need the VIN (vehicle identification number) in order to obtain this report, which can be found in two locations on most cars. Check the dash near the windshield, usually on the driver side, and also check the inside of the driver’s door. While you’re checking, make sure that the two VIN’s match each other. They should also match the VIN as listed on all of the legal documents including the title to the car.

A vehicle history report can be ordered online and will tell you many things about the history of the vehicle. It will show all work done on the vehicle at a registered shop or dealership as well as any accidents that the vehicle has been involved in which were reported to an insurance company or law enforcement. It’s important to note that any damage to the vehicle that was not reported and was repaired off the record will not show up on a vehicle history report.

The report will also tell you if the car was ever written off by a car insurance company, which can greatly influence the resale value of the car.

Get an Inspection

Before buying a used car you should always have it checked out by a trusted mechanic. Be sure that you choose the mechanic and don’t let the seller talk you into using a “friend” of theirs. Go to someone who is objective and fair. There may be damage to the car that was repaired under the table and without reporting it to any legal agency. This means it won’t show up the vehicle history report, but a good mechanic will spot it.

Getting an inspection will catch any problems with the car that the seller isn’t telling you about as well, such as major repairs that need doing or other problems they might not choose to disclose. Because a used car sale is “as is”, you will find yourself struggling to get your money back if it turns out you bought a lemon. Of course, it is fraud on the seller’s part to fail to disclose major issues with the car, but you will be required to prove it in courtroom in order to get any compensation. It’s better to check for any issues in the first place.

Look Out for Discrepancies

Take a look at the title of the car and look for anything that doesn’t make sense. It should be in the seller’s name – use extreme caution with anyone who claims to be selling a car on behalf of a friend or family member – and should have their current address listed.

Look for any discrepancies in the paperwork on things like the odometer reading, the VIN number or anything else that doesn’t match up. It’s also important to check for any liens on the vehicle. If the seller still owes on a loan then the car sale needs to proceed through the lien holder to ensure they are paid off before ownership can be transferred.

One of the biggest red flags when it comes to fraudulent used car purchases is a price that seems too good to be true. Use the available information about the value of the car such as blue book pricing to determine the usual range, and compare the price of the vehicle to other similar vehicles on the market. If the price is considerably lower odds are good you are looking at some sort of fraud – most likely that there has been major damage to the vehicle which may not have been properly repaired.

When buying a used car from a private party caution and diligence are your best weapons against potential fraud. Take the time to review the facts, check out the car’s history and make sure you know what you are buying. Once you hand your money over, you will have an uphill battle to get it back if things aren’t legit. Be on the lookout for anything suspicious and keep all the paperwork in order, and you can have a satisfying buying experience.

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Who Is Responsible for a Parking Lot Accident?

Parking lot accidents are both confusing and can result in large disagreements between parties. There really are no set laws while in the parking lot of many malls and shops, so when a parking lot collision occurs, many disagreements can result when dealing with fault. This is because parking lots, are generally private property so normal road laws do not fully apply. 

In determining fault, the main indicator is how the accident occurred. If the collision occurs while someone is backing out of a stall, usually it is the person backing, who is at fault, and has the responsibility to yield to on-coming traffic. This will however differ, depending on where the impact occurs. If they back into you, then they are almost always liable for the damage. 

However, if you hit the car that is backing up, you may be found partially or fully liable. The further 'up' the collision occurs (closer to the front of the backing car) the more at liability will be placed on the no-backing up car.

If you are involved in a parking lot collision, gather as much information as possible. Did his reverse lights come on? Did he honk before backing up (in reality who does? but this is what they teach you to do in driver's Ed.). Be sure to gather all witness reports, so that you can back up your side of the story.

The majority of the time, one driver is usually never found fully liable in a parking lot accident. Fault is usually split between the parties, sometimes equally, sometimes not equal, which is why it is very important to get as much information and witness reports as soon as possible

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Easy Car Insurance Comparison

Car insurance comparison plays a crucial role in getting the best deals while buying insurance policy. With so many insurance companies coming to the fore for providing apt insurance covers, drivers have a reason to rejoice as the best of policies can be availed without exceeding their budget. You can enjoy safe driving without any hassles now.

All you have to do is log on to car insurance quotes online sites online and buy affordable car insurance policy that offers the best coverage plan. Insurance dealers providing great offers at the comfort of your home has made shopping for your car insurance easy as a breeze. Drivers of UK can easy check the quotes by different insurance companies for finding out the cost of insuring their vehicles.

In matter of minutes, you will be able to find the insurance policy rates to cover your vehicles now. Busy Professionals do not need to shirk from insurance polices because of time and efforts involved in getting the quotes.

Free Car Insurance Quotes Comparison sites have revolutionized shopping experience for you. Just get online and after providing some personal information, you can get the quotes for insuring your vehicle. On the basis of discounts, deductibles and all other variables, you may have to pay the car insurance premiums.

If you are involved in some road accident and are not able to get a cheap car insurance policy, look into car insurance comparison sites as you will get a policy with minimum rates and maximum coverage there without much hassle.

Drivers with a clean slate can get better bargains as compared to the ones with bad driving history. Whether you want to buy comprehensive cover or a teen car insurance policy, car insurance comparison sites are great to find best of deals. Shopping around would get you great rewards, some take out some time and start comparing different car insurance policies.

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Young Drivers Suffer Due to Rising Insurance Costs

According to the popular researches being conducted, it is seen that young drivers are the ones who are more involved in road rage accidents and thus getting more car insurance quotes. They do not know that this can increase their insurance costs.

The accidents and rash driving have become a trend and this is why the insurance costs for the youngsters have gone up by almost 14%. This rise has been seen just in the last three months and within a short span of time, the new figures too will come up. They will present the real picture of how much high insurance premiums youngsters are paying.

The data will be out in a few days and it is being speculated that the data will show how the cost of car insurance for the young has been on the rise. The target group is the people from the age group of 17 to 22. It is not just the youngsters who have seen the rise in insurance costs.

The parents too have seen a steep rise as they have been taking insurance policies in their name and their vehicles are being driven by their children.

In Scotland, the rise in the insurance costs is less likely as the insurance premiums there are already high. In the three months that passed by, the cost of car insurance has increased by 11%. The young drivers are making more claims and most of these drivers are the ones who are new to driving and have just passed the test.

The free car insurance quotes today is one third more than compared to the previous year and this is the cause of worry of the insurance takers. The insurance companies are also refusing the claims to the you g drivers as they know that they are at more risk.

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Tips on Car Insurance for a First Time Buyer

With the stock markets finding stumbling their way, back to normalcy, people ready to compare car insurance quotes online again, new car registrations have started to see and increase as well. The market is buzzing with car ‘swappage’- with manufactures trying to woo old customers to get a new model.

Buying a new car is nonetheless still a ginormous task. In the current state of fluctuations and uncertainty, there are few leads which when kept in mind will realize good satisfaction.

The most important criterion that must be checked and made sure is the car insurance. Although, a tedious process but once the procedures are clearly understood, the buyer can become well versed in the negotiation process and land in a better insurance package.

The APR or the Annual Percentage Rate is the interest rate of a year levied on a loan or a mortgage. Make sure whether there are monthly payable plans. If that be the case, beware of hideous costs that may vary every month. The best way to elude this is to pay the whole sum or pay using a credit card, which has a low APR.

Compare free car insurance quotes online. Websites usually give satisfactory information about the car insurance quotes. A good detailed search is enough to avail the best options available for your case.
The car insurance rate and the rate of interest depend heavily on the driving history. In the case of a new car buyer, ensure the insurance provider that you fall under a low risk category, which means that you are a safe driver.

For a first time buyer, asking many questions will definitely help in getting a better service from the insurance provider. Although, this may sound grotesque, the more questions you ask will prompt the insurance provider to understand your queries and keep them agile in solving your doubts.

These tips will definitely ensure a better and satisfactory purchase for a first time buyer.

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Cheap Car Insurance Is Easy To Get Online

The Internet is a good place to look for quotes on auto insurance. It is the fastest way and easier to find a cheap car insurance. You must fill in a few details about you and you can get a different car insurance quotes.
There are several factors that can affect the amount of insurance premiums and you have to pay. Each state has its own insurance laws. Learn about the insurance laws of the state where you live, because it determines the price for your auto insurance. If you want to visit another state, it is best to know the laws of their insurance.
Can control the type or model of the influence of high auto insurance quotes on your auto insurance. Luxury cars have a higher premium than the cheapest.
If you held the security of your car go buy the accessories. If insurance companies can see that your car is protected by alarms, they will give you a lower rate. Your driving record is a factor to seek insurance. You pay a lower premium to pay if you have a good driving record. If you were cited for traffic violations or accidents thought to be willing to pay more on your auto insurance.
Please try not to provide false information on his application for auto insurance to try to reduce your premiums because the insurance company may invalidate your policy if you have lied or false information that could be held responsible cost-claims against another party involved in a car accident.

Tip 1 - Shop Around
Spend a small amount of time that various automakers and insurance brokers - a few phone calls and save, send e-mails you can watch hundreds of people in just one year.
Internet-only car insurance companies often have lower premiums because they have lower costs compared to larger companies with large offices and employees.

Tip 2 - Compare the market
The Internet now makes it easier because there are many price comparison sites, research, crunch that data and compare different offers in seconds to show you the lowest price car insurance available. This saves time and money.

Tip 3 - Price Guarantee
Car insurance is very competitive. Once you have a quote on any business you get a better price and they often come with a price even a say, because they want your business. They seduce you with a quote cheap on the basis that is likely to be next year when you renew your not trying to be worried because they assume that you return to cheaper suppliers of auto insurance of the next year - not necessarily!

Tip # 4 - Increase your deductible
The auto insurance company has a compulsory excess, but you can add what will be known as a deductible to lower your premiums. Do not do this if you are not the best driver and then you really have to pay if you have an accident.

Tip 5 - Improve the safety of your car
The establishment of an alarm or an immobilizer in your vehicle will usually reduce your premiums when your car insurance provider, then you have less chance of an application. Not every company will take this measure is so it is best to check with your current company first, before heavily in security and the purchase value of major insurance companies, helping you avoid a extra effort that your car was stolen. Many insurers offer lower premiums if you park your car in a garage or driveway.

Tip 6 - Accept limited mileage
Many drivers do not use your car more. If you work nearby or simply use your car to run errands, then your chances of an accident related to a person who works in the street or driving a long way to work each day is much lower. Insurance companies make money when you do not have accidents, if they think you're a small risk that nothing is driven by lower rates if you are in this category are some restrictions in your policy.

Tip # 7 - Buy a cheaper car and less
If you want to reduce your car expenses, then buy a cheap car that is not well developed - it is much cheaper to make sure that every year there, and chances will be much less cost in the expenditure common, such as oil and gas. Try to find a car that is common is for maintenance and spare parts to buy cheap. Avoid cars with modifications and extras that make car thieves.

Tip # 8 - Take-thirds only
If your car has a high replacement value, then the car insurance all risks in case of accident, but otherwise keep the calculated risk of liability insurance if your car has a low value.

Tip 9 - Drive slowly and safely
Insurance for low-risk drivers love with a clean driving license, because they rarely need to make a claim, and insurance companies continue to make all their profits. Insurance does not like young drivers high risk because they are much more prone to accidents that are caused by inexperience or exhibitionism.
Drive slowly and with due diligence will help you build your non-bonus points, the driver to identify safer and result in lower insurance premiums and cheaper car. All beliefs can be found on your driver's license all increase your auto insurance premiums.
Older drivers are preferred by auto insurance companies because they have proven less accidents if you go in this category for companies which are specialized only provide insurance for older drivers.

Tip 10 - Get your policies under one roof
In addition to auto insurance and you are bound to certain other types of insurance, ie, to have home insurance and contents. Try your current insurer should be more like they want their business, because it costs less to an existing customer happy than to find a new one.

Tip 11 - payable annually
Not attempted, your payment will be distributed, because the payment register your car insurance in one lump sum, a lot of money. With monthly premiums the amount of interest is added to cover additional administrative costs which ends ultimately more.

Tip 12 - Drivers nominated
Sometimes, another driver for your car insurance premiums will decrease. This is particularly the case if the other driver is older and with a clean driving license. You can not even drive the car, but give access to the credibility of your claim and the insurance company is on the side of time travel is it to take the vehicle.

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