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  • Car Insurance Online

    The internet has made life easy. What could be more convenient and cost effective than shopping while sitting in the comfort of your home. That too, when you are deciding which car insurance policy to buy.

    Start by searching some familiar company names. All that is required of you when searching for insurance companies is answering some general questions. These would be pertaining to the area you live in, your age, gender, and some general specifics of your automobile. You will then gain instant access to the prevailing car insurance quotes. The results are automated according to the area you live in. they will show those offers that match with the prerequisites of that area.

    The part where your effort figures most is where you have to compare and weigh your options among car insurance online companies. Just because a certain company looks cheaper, doesn't mean that is the one you should opt for. What you require is affordability with quality. Do not compromise on offers of less for value of less. You will be shown a multitude of options from each company. Start to list the offers that pertain most to your situation and your car.

    Check for additional benefits and discounts. Most importantly, assess the credibility of the company you re interested in. Being conned is the last thing you want to happen. If the company site provides customer feedback and reviews, check them. As an additional foolproof step, call up the company. Conversing with it will clear any doubts or misgivings you have. Browsing fro car insurance online is a hassle-free method of buying what you want with satisfaction.

    Save yourself the hassle of physically going out for this wearisome exercise of insuring your car. Do it in your home, or anywhere you can access a computer easily. All you really need is a little time and a computer with Internet connection to get your car insurance online. Gather more and correct information. Compare your options. Choose the one most feasible for you. What more could you ask for?

    When looking for a General Casualty Insurance be sure to list your requirements and check out these companies.

    Learn More about Car Insurance Quote Online

    For information on all types of ways to Car Insurance Estimates come to insuranceform.net

    Article Source: http://EzineArticles.com/?expert=Elanora_T._Kelly

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  • Auto Insurance Quotes




    Most of us never put in effort to understand how automobile insurance works. As number of vehicles on the road increased, the government recognized that the financial condition of each and every individual may not be good enough to bear the liability of automobile accidents. That is the reason why auto insurance was made compulsory and the auto insurance industry became such a big industry. Today, it has become unimaginably complex.

    So, you have decided to buy a small car. You approach your insurance company presuming that you will get affordable deals because you have a good driving record. However, you may end up paying high premiums because you own a small car. Such cars get damaged very easily when involved in an accident. Statistics accumulated by auto insurance companies indicate that small cars often end up causing more damage to other vehicles was well. This may not sound rational but insurance companies do not work on rational and logic. Rather, their work is regulated by statistics, facts and figures.

    This is just one example of how auto insurance has become very complex. Many such factors are considered in various permutations and combinations before the premium is determined. It is impossible to reasonably expect any individual to understand all these factors. Hence, identifying the right deal can become very difficult. That is the reason why one should make use of multiple quote comparison web sites.

    Such sties quickly cut through the complexities involved and fetches the best deals offered by different reputed auto insurance companies. You do not need to know why you were being offered affordable insurance by a particular company while others are charging more, do you? All you need is the name of the company and details of the plan so that you can approach the company and finalize the deal as early as possible.

    Do not underestimate the difficulty of finding cheapest car insurance. Make use of online quotes to simplify the task. If you do not choose the right method, the task of finding insurance for your car can quickly become very complicated. You may end up resorting to guess work to find the best deal.

    It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote.

    A good site to compare insurance quotes online can be found here:

    Cheap Insurance Quotes

    Article Source: http://EzineArticles.com/?expert=Erik_Stump

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  • 10 tips to follow after a car accident
    Most road-users are involved in accidents at some time or another, and it is worth noting what to do if it happens to you. Whether you are driving in the UK or in a hire car on holiday, it is worth remembering the following:

    1. Accident pack
    Always keep an accident pack in the car. Make sure you always have a pen and paper handy for any notes and insurance details you may need to take, and keep a disposable camera in the car for photos of the accident scene, which can help with any future insurance claim.
    2. Always stop
    Always stop at the scene of an accident. It is law that you stop if you hit a domestic animal or a person.
    3. Make the accident scene safe
    Make the accident scene safe by turning off your engine, turning on your hazard lights and alerting oncoming traffic to the accident.
    4. Emergency Services
    If anyone is injured, or the road is blocked, call 999 in the UK and call out the emergency services. If you happen to be travelling by hire car in a different country, get the number of their emergency services before starting out on any journey.
    5. Stay calm
    Whoever is at fault, try to stay as calm as possible. Shouting and screaming will only make matters worse.
    6. Witness information
    Note down the names and full details of any witnesses to the accident, including passengers where possible. Car registration numbers, location, and photos can all come in useful, particularly if you will be making an insurance claim.
    7. Driver details
    Exchange details with the other driver involved, including, name, address, vehicle registration and his insurance company.
    8. Draw the scene
    Make sketches, take notes and even videos of the scene where possible. Include street names and direction of travel in your notes as the person dealing with your claim may not be local and may not know the area.
    9. Additional notes
    Make a note of additional information which may be useful, including factors which may have helped cause the accident. These can include weather, the amount of traffic, the speed of traffic, what the other driver was doing at the time of the accident, etc., If the other driver was using his mobile phone, this can prove particularly relevant if you are pursuing an insurance claim so note it down.
    10. Contact your insurance company
    Contact your insurance company as soon as possible to let them know about the accident, even if you do not intend to make a claim. Check your insurance policy to see if you are entitled to a hire car if your car is damaged. You may be entitled to more help and assistance than you are aware of from your insurance company, so check the small print.

    Common factors of car accidents on Britain´s roads include:

    1. Human error or an error of judgement by the driver accounts for over 90% of all car accidents.

    2. Road maintenance and road works account for nearly 8% of car accidents in the UK.

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    Adrian vultur writes for road traffic accidents compensation claims
    By: Vultur Adrian
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  • Save Money On Cheap Auto Insurance
    In these economic tough times consumers are likely to think twice before making a new purchase and one thing that is taken in to consideration by consumers is auto insurance but some insiders have different view they think that during this economic slowdown one of the best thing is cheap auto insurance. Less number of people are buying things so there are less people looking for insurance. In order to attract more people insurance brokers are willing to eliminate the broker charge they charge and many have found this to be true and based on these new policies many agencies are claiming that they will not charge broker fees while making a deal. People who are making new purchases and need insurance policy then this is the best time for them to start.

    There is one other factor that is to be considered while seeking a cheap car insurance these days that is the distance in miles that you drive per year. For an instance if you are heading for a dinner twice a week then automatically your annual miles will go up or when you are laid off from the work then you will not be commuting every day then your annual miles will go down. These are the things that have to be considered beforehand when shopping for the cheap car insurance as per company rules the charges are higher for those who drive more miles annually as compared to others. Primarily you have to show a proof that you are driving less miles annually as much as you used to do earlier. One must beforehand keep these things ready while shopping for car insurance in California.

    Also there are schemes available for the students. Since there are some individuals who are not able to find a job and decide to go back to school. Situation like this can be fruitful to save money because insurance companies are offering good students discount up to 25% and this is a heavy discount on car insurance in California. So this will help to have extra cash in hand while doing higher studies. Experts on economy say that say that current scenario shows that economy is bottoming out or in other way this was the worst ever that could happen to economy now it will only rise. But those searching for the low cost auto insurance should take benefit of this option and save money.

    Online auto insurance is a leading high risk auto insurance It's mission to become #1 website for cheap insurance quotes
    By: Ricky Hussey
    Article Source: http://www.ArticleBiz.com

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  • Reasons for Expensive Car Insurance for Young Drivers It is very unlucky that the young drivers who fall in the age group of 18 to 25 years have to pay significantly very high price to get their car insurance than the people who are not in this age group. Since, age and related risk of accident is also a factor which is keep in mind before determining the cost of insurance premium, therefore, car insurance for young drivers is many times exaggerated to an unaffordable limit.

    Because of various alarming statistics, cost of car insurance has been increased for young drivers. According to a statistics, one of every five drivers meets with an accident within six months in Europe. It has also been found that the young drivers between age 18 and 25 have more probability of being involved in an accident than a 30 year old driver. Research also shows that the young drivers falling in the age group of 17 to 20 years are seven times more prone to taking risks than other drivers. And between the time periods of 2am to 6am, there is seventeen times more risk of these drivers involved in an accident.

    Car insurance for male young drivers is more costly than it is for female young drivers. This is due to the fact that males spend their more time in driving than females, hence has more risk of accident. The other reason for getting car insurance for young drivers at very high price is the fact that the young drivers are over confident. Young people have a wrong feeling that no one can defeat them. This feeling encourages them to take unnecessary risks which cause accidents. Also, they are inexperienced, which increases their probability of taking risks and their lifestyle habit is also another factor for taking risks. These are various studies and researches which lead to increase in price of car insurance for young drivers.

    So, sadly, the safest young drivers also have to pay hefty amount of premium for car insurance because of the factors taken in account by insurance companies before determining the premium price. Fortunately, by doing certain things, young drivers can lower their premium cost of insurance. They can go for a smaller engine capacity. It will save both their road tax as well as insurance cost and also limit mileage. One other thing that a young driver can do to lower insurance cost is to undergo an advanced test of driving after clearing standard test.

    Online auto insurance is a leading car insurance questions It's mission to become #1 website for auto insurance ca
    By: Ricky Hussey
    Article Source: http://www.ArticleBiz.com

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  • Find Out The Top Auto Insurance Companies Are you searching a car insurance company? For this you need to compare the topmost companies. Find it’s relation with customers and its reputation in the market. There is lot of companies offering car insurance but you have to choose most suitable one. Some of the top auto insurance companies are mentioned here:

    1. Progressive Auto Insurance
    Progressive is one of the largest auto insurance providers in the country and they have been in the insurance industry for over 70 years.
    It is one of the top auto insurance companies. This company is in existence from last 70 years. They also provide information on their site. You can gather any information from the website any time. They have made every effort for the convenience of their customers. The Customer Respect Group put Progressive on the first position for positive online customer experiences in 2008.

    2. Nationwide Auto Insurance
    This company is largest financial service providing company. On the Fortune 500 list, this company secured 108th rank. There are many centers over the country for insurance claims. Also there is a facility of toll free number for the convenience of the customers. It is open 24 hours.

    3. GEICO Auto Insurance
    This company is very reputed and provides an excellent customer service. GEICO has been in the market since past 70 years. Various discounts are offered by this company to attract their customers. Some of them are defensive driving discount, good student discount, anti theft discount, military discount, college graduate discount, driver's education discount etc. GEICO has been given A++ rating for financial stability by A.M. Best.

    4. Travelers Auto Insurance
    This company is ranked 93 on the Fortune list. Also, this company has got A+ rating for financial stability by A.M. Best. Many discounts are available for the customers like hybrid auto discount, good driver discount, multi car discount and a good student discount. Travelers insurance is one of the top auto insurance companies. Their representatives are found in almost every place like Ireland, Canada and U.K.

    5. Allstate Auto Insurance
    This is another one of the top auto insurance companies. A.M. Best gave A+ rating for their financial potency. They provide a choice of various programs to their customers. There is a program named accident Forgiveness Program where the insurance rates of your car will go up even if the accident was because of your carelessness. They also encourage people by providing bonus to safe drivers. By safe driving, you will be able to earn 5% of your own premium in the intervals of six months. Allstate provides 24 hour telephone or online service to their customers.

    Online auto insurance is a leading affordable auto insurance website. It's mission to become #1 website for auto insurance quotes online
    By: Ricky Hussey
    Article Source: http://www.ArticleBiz.com

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  • What Is Long Term Care Insurance?
    Long-term care insurance is intended to reduce out-of-pocket costs if someone winds up needing long-term care from a paid provider. Long-term care insurance can pay for a nursing facility or home care, and many policies also cover assisted living, though no policy will pay the full cost of any of these. People usually pay premiums for 20 or 30 years before reaching an age when long-term care is likely.

    If, like most people, you never need or qualify for the policy's benefits, or you collect benefits for only a short time, those years of premiums will turn out to have been a wasted investment. For that reason, it's best to consider long-term care insurance as a "peace of mind" investment rather than as a sound financial one.

    Most people buy long-term care insurance in their 50s and early 60s. The cost goes up with age, but it's still affordable for many people over age 65. Once you hit the mid-70s, though, the cost of a good long-term care policy becomes very expensive, and it may be difficult to qualify for if you already have health problems.

    Even if you're are in good health today, there's a good chance that you'll eventually need some type of long-term care, at least for awhile. By 2020, roughly 12 million people over the age of 65 will require some long-term care, according to a study by the U.S. Department of Health and Human Services.

    But that only gives a general picture. The hard part is figuring out in advance whether you'll need a long period of close monitoring -- daily or even round-the-clock care -- that you'll have to pay for. Some 70 percent of the elderly don't pay for their care but get it exclusively from family and friends.

    The odds of needing two years or more of extensive, paid care is not high. Long-term care insurance, then, is security against a small but nonetheless real possibility of a lengthy, expensive period of care.

    The reason some people are willing to risk buying long-term care insurance is the staggering cost of care if it's not provided by family and friends:

    * A year in a nursing home costs more than $50,000 on average.
    * Home healthcare can cost $1,000 a month or more.
    * Assisted living facilities cost $2,000 a month and up, according to the Health Insurance Association of America (HIAA), a national trade group.


    Health insurance or Medicare rarely covers any of these expenses. Medicaid does cover nursing facility and some home care costs, but you'll have to meet strict income and asset requirements to qualify. Without long-term care insurance or Medicaid, you'll be footing the entire bill out of your own pockets. It's the chance that these bills will continue for three, four, or five years that long-term care insurance is meant to help guard against.

    Several types of long-term care insurance are available, but they work on the same principle as regular insurance: You pay an annual premium, and the insurance company reimburses you for a specified amount of long-term care costs, should one or both spouses end up needing and qualifying for care under the policy's terms.

    Some long-term care policies are "tax qualified." This means the policy meets certain federal regulations, and therefore some of the premium amounts may be tax deductible (as an itemized medical expense, depending on income). The benefits collected would be tax-free.

    In several states -- California, Connecticut, Indiana, Iowa, and New York -- there's also what's called "state partnership" long-term care insurance. These are the same as other policies, except they provide an extra benefit that might allow you to more easily qualify for Medicaid coverage of long-term care. To qualify for Medicaid coverage, you must have very limited income and assets. With a state partnership long-term care insurance policy, you're allowed to keep more assets and still qualify for Medicaid coverage.

    Long-term care insurance policies will pay benefits either on a per diem basis (a fixed benefit no matter what your costs) or on an indemnity basis (a portion of your actual expenses are reimbursed). Some policies pay only for a certified home care agency or licensed nursing facility, while others pay the policy holder directly, to use any way you sees fit.

    The cost of a long-term care insurance policy is determined by several factors, including:

    * The age of the person covered (the older the person, the more expensive)
    * The amount of the benefit
    * How long the benefit is to be paid
    * The types of care covered
    * The health status of the beneficiary when signing up for the policy
    * Whether the policy includes inflation protection
    * The cost of long-term care in the state where the beneficiary lives


    For example, in 2005, a typical low-end long-term insurance policy cost $1,877 per year for a 55-year-old, $2,000 per year for a 65-year-old, $2,600 for a 75-year-old, and more than $5,000 for an 80-year-old, according to the U.S. Department of Health and Human Services. These figures are higher today.

    Premiums are lower for younger people, and the policy holder must be in reasonably good health to pass underwriting. So when thinking about getting a policy, it makes sense to do so sooner rather than later.

    Coverage depends on the plan you choose. Some policies cover only nursing home care, but many policies now include coverage for in-home care, including nursing care, physical therapy, and medical equipment. Many policies also cover assisted living, which is likely to be important, since this type of care is rapidly expanding.

    Policies may also include adult daycare and respite care to give a break to a caregiver who is a family member. Almost all policies cover care related to Alzheimer's or other forms of dementia (though there are exceptions, and since this is a common condition, you'll need to be careful that the policy you choose does in fact cover Alzheimer's). In general, the more types of care that are covered, the higher the premiums.

    Most policies include a deductible or waiting period before the coverage begins, especially if the policy holder has any pre-existing conditions noted during the underwriting process. Most policies don't include coverage related to alcohol or drug abuse. Also, no benefits at all are paid unless the insured person qualifies for coverage under the specific terms set by the policy.

    Anyone between the ages of 18 and 84 in reasonably good health can purchase long-term care insurance, according to the HIAA. People over the age of 84 aren't usually eligible to buy new policies.

    Many people can't buy long-term care insurance, however, because they are rejected due to pre-existing health conditions. The Insurance Information Institute reports that in 2003 to 2004, 11 percent of people in their 50s, 19 percent in their 60s, and a whopping 43 percent of people in their 70s had their long-term care insurance applications rejected.

    If one or both spouses don't qualify for long-term care insurance because of health or age, some other insurance products -- though not new insurance policies -- are available that can help with the costs of long-term care. For example, viatical settlements, in which an older adult sells his life insurance for roughly the present value of the policy, can help fund long-term care. This type of product has some eligibility limitations, and the money obtained from selling the policy is taxable.

    Life insurance policies may also offer something called an accelerated death benefit (ADB), which offers cash advances against the value of the policy while the affected person is still alive. These policies have some drawbacks -- you have to continue paying the insurance premium, and the policies can generally be used only if the insured person has a terminal illness, needs nursing home care permanently, or can't perform normal daily activities.

    If you're going to look into long-term care insurance for someone in your care, check with his current or former employer, life insurance provider, or insurance broker to see if she can add long-term care coverage to an existing policy. If it's for your parents, you may also be able to purchase a long-term care insurance policy through your own employer. If your parent is or was a local, state, or federal government employee or a veteran, he may be eligible for long-term care policies through a government-sponsored plan.

    Insurance policies are legally enforceable contracts, but they don't always match the sales pitch of the agent or the hype in the brochure -- some policies require specific care providers or nursing homes, for example, so read the policy thoroughly. Before signing on, compare policies and prices from different companies, and consult with an elder law attorney or financial planner if you have any questions. Don't rely exclusively on the word of an insurance broker or agent. If you've already bought insurance but find it's not what you thought, the law provides for a 30-day cancellation period.

    Remember that when it comes to older people and money, fraud is something to watch out for. If the sales pitch sounds too good to be true, it probably is. Always check the insurance company's rating and complaint history with your state insurance commissioner before signing any contracts or making any payments. You can also research the financial health of the insurance company through Moody's Investors Services or A Buyer's Guide to Long-Term Care Insurance.

    Resources:

    * Long Term Care Insurance
    * Long Term Care Insurance Need


    About the Author
    Stephanie Miles, Senior Editor of the Finance channel, is a former business journalist for the online Wall Street Journal and CNET Networks. She focuses on consumer issues including finance and personal technology, as well as consumer marketing and advertising.

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