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Monthly Archives: October 2018

Save Money On Car Insurance

  • Shop Online It is worth it to make the effort because you can save substantial amounts of money. If you have a clean driving can record statistics show that the average online auto insurance shopper will pay anywhere from a third to almost out one half less than someone who doesn’t shop around.
  • Chill Out According to the National Foundation for Highway and Traffic Safety, angry aggressive drivers cause 90% of all accidents. In turn, they pay a third to three quarters more in car insurance premiums. So whether you’re an aggressive driver or not, you can save money by driving safely.
  • Go Back To School And even if you have some points on your record, sometimes you can get a discount by taking a defensive driving course. These courses are sponsored by your insurance company. Call your local community college and see if they offer these courses. By the way, if you’re not sure how many points you have on your license, call your local Department of Motor Vehicles and have a look at your record. The more points you have a higher your insurance rates are going to be. Sometimes you can qualify for the defensive driving courses simply by having enough points on your record. In other words, most states will offer free or almost free courses in return for reducing the number of points on your license. But that doesn’t work if you’ve got drunk driving infractions — so make sure you check the fine print before you sign up.
  • Drive A Boring Car Another way to get a discount on your auto insurance is drive a car that doesn’t get stolen a lot. Car insurance companies will charge you a higher rate if you drive a really hot car that people like to steal. So if you drive a Civic or an Accord that’s good. If you drive a Lamborghini or a Porsche, that’s not so good. Of course, if you can afford a Porsche, you can afford the auto insurance, right?
  • Join The Club And lastly, another way to qualify for discounts on your auto insurance is by joining a group like AAA or AARP.

Motor Insurance

Some companies will also require the installation of tracking devices as well as immobilizers. Having your vehicle as secure as possible, for example, in a garage, behind a locked, fenced property with an alarm, all these steps will help to protect your valuable asset in the unfortunate event of a theft.

Therefore, if you are going to buy an expensive asset such as a car, boat, quad bike, motorbike, truck, etc, ensure that you have the necessary security measures in place to protect and ensure recovery of your vehicle if it ever is stolen. We recommend that if you find yourself in the position where you are going to purchase a valuable asset, phone around and find out insurers requirements, beforehand. If you are aware of insurer’s specification, you may be able to have the security device installed by professionals at your chosen dealership. In addition, with most dealerships and banks, they require vehicle insurance to be arranged immediately.

Insurance policies can be complicated with various specifications and requirements, which are sometimes not obvious to the average vehicle owner. When you are looking for a vehicle insurer, go to the internet and research insurance companies to find the most suitable one for you. Make sure you are covered for your specific needs, most dealerships will use a certain insurance company, and they can assist you with finding more information and contacts to ensure you vehicle is insured when you drive off the lot.

Accident Insurance For Children

The children’s case is forgotten just because it is thought, for some inane reason, that children are less exposed to accidental risks. But, this is not true at all. Children are very susceptible to accidental injuries, so what if they do not drive on the roads? The scenario is slowly changing though; parents are realizing the importance of accident insurance for children. They want to know that in the event of anything bad happening to their children, at least there should not be a financial crisis.

Accident insurance for children is generally included in family health insurance policies. These policies are indeed worth going for as they cover major risks to which your son or daughter is always exposed to. Health insurance for children can cover illness and broken bones but generally covers everything that happens to a child health-wise. Accident insurance slightly differs from the health insurance as it covers the physical damage due to unwanted events such as vehicle accidents, falling from heights, skiing injuries, shock, drowning etc.

Your child is exposed to the world and so to the risks too. Accidents on school trips are unfortunately not covered by accident insurance companies but looking to the demand, many companies are now coming up with new policies that cover those accidents too. You can also ask for the school trip accident insurance to the school itself.

One of the main benefits in accident insurances for children is that the premiums are lesser than those in similar adult insurance. The premium is less because the risk is less in case of children. There are some insurance policies that cover both; accidents and also health problems as they are covered in mediclaims (medical claims).

Get Cheap Portland Car Insurance

With so much Portland car insurance, you may feel you don’t need full-coverage auto insurance in Oregon.

The minimum required Portland car insurance amounts are as follows:

o $10,000 per crash for property damage

o $15,000 personal injury protection

o $25,000 per person bodily injury and property damage liability

o $50,000 per crash for bodily injury to others

o $25,000 per person and $50,000 per crash for bodily injury of Oregon uninsured motorist coverage

Of course, not all Oregon drivers can get cheap Portland car insurance by purchasing the minimum liability auto insurance requirements. Why? Not all drivers are eligible to purchase only the minimum requirements. Sometimes lenders and/or Oregon car insurance companies require drivers with cars they don’t own outright to purchase full-coverage auto insurance. Perhaps a driver has had his or her license suspended or revoked and has been ordered by the courts to purchase more than the minimum liability auto insurance requirements in Oregon.

Whatever the reason, these Oregon drivers must find other ways to get cheap Portland car insurance. Satisfying the orders of the courts, as well as working to repair the driving record, is one way to lower the cost of auto insurance; so is purchasing a car with – or adding – safety features. You can also take safety precautions such as parking your car in well-lit areas such as private parking lots to further protect your vehicle and lower your Portland car insurance premiums.