Tips on how you can save money when buying car Insurance

No Comments Written by Vandorne Luk on August 28, 2011 in Car Insurance.

Most states in the US and most countries across the globe requires that you have an auto insurance. Aside from being a legal requirement, auto insurance is a good chunk of financial management. Imagine if you do not have a car insurance and you are involved in a road mishap.

You should make sure that you are not paying more than what is needed for your auto insurance. Here are some practical tips on buying a car insurance:

Shop for the right car insurance

You can save some money if you take time to compare the different offers and rates of car insurance companies. With the help of the internet, you can easily compare and pin point what is best for you but you can also ask for the help of a broker. If you have an existing car insurance policy, do not assume that it is the best in the market because you may be able to find a better deal.

Maintain a good credit score

Insurance companies may look into your credit history and based the cost of your premiums on the information they find on your credit report. Make sure you keep a good credit score by paying your bills on time, keep your debts low, and do not take out a loan that is too much to handle. One of the perks of a good credit score is a reasonable car insurance monthly premium.

Emphasize the car’s safety features

The more features you have on your car, the lesser the risk for the car insurance provider. Make sure that you mention these safety features when you try to get an auto insurance policy. You need to make sure that the insurance firm is aware of all the safety features of your vehicle including those which you installed after buying it. That simple car lock system and alarm you installed may save you a lot of money in terms of your monthly premium.

Tips for Seasonal Business owners on how to wisely manage Commercial Auto Insurance

No Comments Written by Vandorne Luk on July 4, 2010 in Car Insurance.

p53 seasonal insuranceYou will not plow a driveway of snow in the middle of summer nor you will mow a lawn when there is no grass growing. This might not concern everyone but if you are an owner of a seasonal business then you have to know that you need a different insurance when it is off-seasson or in-season.

There are commercial insurance providers which offer seasonal insurance for owners of businesses like snowplow drivers, landscrapers, or ice cream trucks. These auto insurance will allow business owners to customize their coverage for months when their businesses are running full blast and for months when it is not.

Here are some helpful tips that you need to know about seasonal auto insurance:

  • If during the off-season your vehicle will just be parked then you might want to consider canceling the insurance of the vehicle for that time. You may still want to protect your vehicle during off season so you can go for a comprehensive-only coverage which will provide basic protection against falling tree branches, hail, theft or vandalism.
  • Getting a comprehensive-only policy during off season also allows you to have a continuous coverage. This is a major concern since most insurance companies will charge you a lot more if you do not have a proof that you have a continuous coverage once the in-season kicks off.
  • If you need to drive your work vehicle during the off season, you can advise your insurance company that you are using it on a personal basis so they can adjust your police to reflect such use.

Off-season or in-season, auto insurance is still very important to have all year round. You can consult a local insurance provider to check on how you can take advantage of seasonal insurance policies for your seasonal business.

Auto Warranties, The Low Down: 2

No Comments Written by Heather on April 10, 2010 in cars.

warranty2Now that we have talked a little bit about the cars and what exactly they cover, let’s go ahead and move on over to how long the warranties can last.  This all depends on you and what exactly you might want.  There are many different options, but the typical warranty lasts about three years or 36,000 miles.

If you decide to get yourself an extended warranty, you certainly do not have to worry about the time frame quite so much, as the typical extended warranty is up to 10 years of 100,000 miles, which is a pretty decide warranty if you do not drive a whole, whole lot.

You also want to make sure that you take a look at the warranty to ensure which one you are getting.

If you're looking for more information on car insurance, or you want free quotes, check out, my favorite insurance site!