Thursday, June 3, 2010

Drivers comparing car insurance online beat rising premiums

Car insurance premiums are expected to rise in 2010 as a result of insurers compensating for lost profits in 2009. However, as new competitors enter the market, Australians who shop around for car insurance will be sure to find better offers.

Major insurance providers such as Suncorp-Metway and Insurance Australia Group took a beating to their earnings last year after successive payouts for natural disasters claims, resulting from bushfires and heavy storms.

With three-quarters of the market share between them, these losses are sure to be felt by customers, who are expected to see car insurance premiums rise by 5 percent in 2010.

However, many competitors have fixed their eyes on Australia’s car insurance market, with Virgin Money entering the fray last year. And from the United States, Progressive Direct Insurance Co. is planning to launch its online motor vehicle insurance business to tap into the growing trend of Australians who compare their car insurance and other personal finances on the internet.

By focusing on the online market, competitors avoid the costs of directly competing against the insurance giants, meaning that savings made can be passed on to consumers in the form of cheaper rates.

More and more people in Australia are using the internet to shop for car insurance, with 68 percent of customers applying online and 75 percent searching for car insurance online, a Google survey found. As this trend continues, we will likely see more drivers purchasing and managing their policies over the net as well. Experts also believe that Australia’s disposition to compare car insurance online will attract many more foreign competitors in the future.

A recent study by RateCity showed that many drivers can save up to $800 on their comprehensive car insurance by switching to the most affordable providers. This means that if consumers stay vigilant for offers from competitors trying to break into the market, the savings made could go well into the thousands of dollars.

By joining the thousands already applying for car insurance online, Australian drivers can also take advantage of hundreds of special discounts offered to customers who sign up over the net, adding to the savings made in their yearly insurance costs.

The insurance giants are standing their ground in the market, but wise shoppers can always find the cheapest deals by conducting a quick quote online. By searching for new offers and comparing prices across all the competitors, you can drive knowing that you have the best cover for your vehicle. By Jack Han
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Van Insurance Comparison

Van Insurance doesn’t need to be expensive, you can search some of the markets top providers to find a quote that’s right for you and could save you money, know the importance of saving money, all it takes is one form and a couple of minutes of your time for you to be searching some of the best deals the market has to offer for van insurance all from the comfort of your own home.

You can compare a variety of van insurance policies and add and compare features like breakdown cover, no claims discount protection and motor legal protection. You can obtain quotes whether you are looking for third party cover, third party fire and theft or comprehensive van insurance.
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Travel Insurance Comparison

Having travel insurance can give you that extra peace of mind when travelling away from home that you are covered if your luggage was to get lost or stolen or if you were to fall ill. Travel insurance doesn't need to be expensive but lost luggage and medical bills certainly can be.

Travel insurance comparison is a quick and easy way to view some of the best deals on the market today for travel insurance. Whether you're after an annual travel insurance policy, family travel insurance, single trip travel insurance or a policy catered for a specific holiday like a ski resort or a Mediterranean cruise. Almost every person, going to almost every destination, can compare travel insurance.

Have a look at how much you could save and compare travel insurance.
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Why compare car insurance?

The importance of car insurance but equally know how important it is to make sure you don’t end up over-paying for it. Comparing car insurance has never been easier and helps you to find great deals available on the market today, all from the comfort of your own home, saving you both time and money at no extra cost.

All you need to do is click to get a quote, fill in a few details about yourself and you could be comparing over 400 car insurance prices from top providers in minutes.

Whether you’re looking for car insurance, home insurance, life insurance or insurance for your pets, you could save money. Also compare rates and deals on a range of other products from home utilities to credit cards.
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Car Insurance For New Drivers

Regardless of your age, buying car insurance for the first time is likely to be pretty expensive. For young motorists in particular it's not uncommon for a new driver insurance policy to cost more than the car itself.

We all know that driving without cover is against the law. But just because you don't have a choice in the matter doesn't mean you can't take steps to find the cheapest new driver car insurance possible.


What To Look For In A New Driver Insurance Policy

Price - as a new driver, car insurance won't be cheap but with over 100 companies to choose from it pays to shop around using our comparison tool to track down the most competitive prices when buying your first policy.

Suitable protection - cost is a factor but making sure your policy provides adequate security is just as important. Don't scrimp on cover that could prove invaluable should you need to make a claim.

An insurer you can trust - in the event of a claim, having confidence in your insurer to provide a friendly and efficient service is important. You can find more information on potential insurers by using our reviews and forums.

How To Select The Right Level Of Cover

When buying car insurance for a new driver it's well worth taking time to assess the policy options available to you. Making the right choices can provide peace of mind in knowing you are properly insured. Consider the following:

Cover type - there are three options to choose from; third party only, third party, fire & theft and fully comprehensive. Each will provide different levels of protection so it is important to choose the right one.

Policy features - before committing to buy it's essential to look past the price and ensure the policy offers all the features you need. If features such as a courtesy car or protected no claims are important to you make sure your policy includes them.

Optional extras - adding features such as breakdown cover and legal cover will provide additional protection but at an increased cost. Decide whether or not you need each of these before you buy.

How To Find Cheap Car Insurance For New Drivers

One of the easiest ways to find low cost cover is to use to compare new driver car insurance quotes from dozens of companies to find the best prices available. Other steps you can take include:
* Driving a car with a smaller engine as these are generally cheaper to insure.
* Agreeing with your insurer to limit your mileage and improving security by parking safely and fitting an alarm/immobiliser system if you vehicle doesn't have one.
* Building up and protecting your no claims bonus to make finding cheaper insurance easier in the future.
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Auto Car Insurance – Overview

Auto Car Insurance is needed both for new car and used car. It gives us protection for auto car ownership. Most of car dealers offer auto car insurance in every cars they sale. In US, you buy with higher price if you don’t cover our car with insurance.

How to Choose
The problem is how to choose the right Auto Car Insurance for you. Insurance is long term business, it’s a commitment business. First you have to do is research about track record of the insurance company. New auto car insurance company usually back up with other related company such as investment or car manufacturer company. You pay insurance at least for 1 year, so the company must be exist for 1 year toward.

Insurance rate
Auto car insurance companies have different rate base on type of insurance we choose. Drivers history may affect the rate of insurance. Find on the net from auto car insurance website, fill the form, and ask for auto insurance quotation. After you get some insurance quote, compare the rate between provider and choose the best rate.

Customer review
After get best rates from several auto car insurance provider, find customer review about that insurance product. Read from article, blog, of forum to find review about insurance quote that you already get. Check about claim procedures, ask about their experience.

Services
You have to consider services of insurance companies. Some of them have good services but others are not. Good insurance company provide total solution for their customer. Emergency roadside assistance is one of services that you put on your list. Some also offer to change car when you get accident and you car must be repaired at workshop.

Auto car insurance will give protection for your valuable asset, make sure you choose the right one and easily claim when your car get accident or stolen.By: Ryan T & Jack Array

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Top tips for getting a cheaper car insurance quote

Fit an alarm
Fit an approved alarm and immobiliser, such as a Thatcham 1 or Thatcham 2. All improvements to security should help to lower your car insurance costs. Some insurers could even insist on sophisticated tracking devices before they will insure expensive cars.

Change your excess
Change the excess you are prepared to pay on any claim to reduce the premium. With voluntary excess the more you are willing to cover yourself in the event of an accident the lower your premium.

Check your mileage
Check your mileage to make sure you are not paying extra for miles you are not covering in your car. If, for example, you change jobs and have a shorter commute to work you could be saving money. Try and work out how many miles you will genuinely cover - but don't get it wrong as inaccuracy could jeopardise your claim.

Minimise your optional extras
Only select to have a courtesy car or legal expenses if you really need them, as they may increase your premium. The less your motor insurance company has to provide in the event of an accident, the lower your costs.

Be careful where you park
Keep your car parked in a locked garage overnight if you can - this can help reduce the premium. More than 50% of vehicle thefts occur during the night so if your car is safely locked away it makes sense that your insurance costs will be reduced as a consequence. If you don't have access to a garage, then parking on a driveway is generally considered a lower risk than parking on the road. It's less likely that vandalism, theft or accidental damage will occur when you're off the highway.

Pass Plus
If you're a new driver looking to get your first car and car insurance we'd highly recommend that you take your Pass Plus in order to reduce your premiums. The Pass Plus certificate can only be obtained within the first year of passing your practical driving test.

You'll be taking 6 lessons where you'll become competent in the following areas:

* Driving in town
* Driving out of town
* Driving in all Weathers
* Driving at night
* Driving on a dual carriageway
* Driving on a motorway

There is no test to take at the end of the course. When your instructor is satisfied with your performance you will receive a certificate from the Driving Standards Agency (DSA).

This certificate you will earn you large discounts with a whole host of insurance companies participating in the Pass Plus scheme.
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