Michigan Auto Insurance Protection with UM-UIM Video by Michigan Car Accident Laywers

August 28, 2017 · Posted in General Articles on Car Insurance · 1 Comment 

Tips for Softening the Blow of Sports Car Insurance

August 23, 2017 · Posted in General Articles on Car Insurance · Comment 
Owning a sports car would be the stuff dreams are made of for most people. The feel of a throbbing engine beneath them and their hair being blown back by the wind as their convertible races down the highway, almost makes them feel like the cost of purchasing such a car would be a small price to pay in comparison to the prize of owning such a beast.

Very often though, once the ‘prize’ has been ‘won’ the thrill of victory doesn’t seem as sweet when the realization sinks in that they have blown most of their hard earned cash on the purchase of their new vehicle but have not taken into consideration the costs of overheads like car insurance, for example. At this point the hunt for cheap sports car insurance begins in earnest!

The main thing to remember when looking for cheap sports car insurance is to shop around. Don’t just go with the first quote you receive. Some of the cheapest sports car insurance rates can be found on the internet. Several insurance companies offer deals and discounts and there are also car insurance companies that offer free insurance quotes online. At least if you are armed with a few quotes from different car insurance companies, you’ll be in a much better position to perform a proper comparison. You will also be able to gauge whether an insurance quote is fair, as you will be equipped with the other quotes to compare with.

The number of individuals you wish to be covered on the insurance will also make a huge difference to the premiums you pay. If at all possible, keep this number really low, but in an ideal world it would be best just to insure yourself. Just make sure no unauthorised persons drive the car.

Another factor to consider when determining the cost of sports car insurances is which locality the car will be kept in or basically, where you live. Sports cars that are normally driven or based in areas that are considered to have high crime rates cost considerably more to insure. It is a well known fact, for example, that sports cars are stolen in ‘preference’ to normal cars- that’s the reason a policy for someone living in a ‘rough’ neighborhood would be much higher. If certain safety features are incorporated into the car, such as a car alarm, an immobilizer or a steering wheel lock, these could contribute to a reduction in the cost of the policy.

The bottom line is that there are numerous insurance companies out there each offering different terms and premiums, so the key is to shop around. Be sure to check out those companies that are offering discounts or specials and remember- the power of the internet nowadays is awesome, so use it!

How to Buy the Cheapest Sports Car Insurance Policy

August 23, 2017 · Posted in General Articles on Car Insurance · Comment 
For most people out the, the sports vehicle is the car of their dreams. The feel of a revving engine and their hair being swept back by the wind as their convertible speeds down on the highway, they most definitely feel is a prize worth paying for.

But what if once they acquire the sports car of their dreams and the thrill of victory dies when they realize that something has gone terribly wrong? They suddenly realize they have basically blown most of their hard earned cash on the purchase of their new vehicle, not leaving enough for the purchase of car insurance. This is when the hunt for a cheap sports car insurance policy begins!

Some things you should keep in mind when looking for cheap sports car insurance:

Shop around the internet for the best insurance rates

Some of the cheaper sports car insurance rates can be found on the internet. Several insurance companies offer deals and discounts. There are also car insurance companies that offer free insurance estimates online.

Factors in determining cost

Sports cars that are driven in places that are considered to have high crime rates cost more to insure. Sports cars are known to be more often stolen than a non-sports vehicle. Their cost for repairs is relatively higher. This is why the insurance premium for sports vehicles are higher than average.

But if a sports car is equipped with safety features such as car alarm, detachable stereo, and steering wheel lock – the cost to have it insured will be reduced.

Compare prices

Shop around for the cheapest sports car insurance policy. This way you will be able to compare objectively the different deals and offers car insurance companies are offering.

Customers would also know if they are being treated fairly, since they have a basis of comparison from different sources.

It is also a factor how many individuals are to be covered by a particular insurance company. This is why it is imperative to look into different sources for the best deal. Different insurance companies offer different terms and agreements.

There are numerous car insurance companies out that offer sports car insurance at a very modest price.

The key is to find those that are offering discounts and special deals for the specific model of car and one that cover the buyer’s needs and specifications. This way the owning a sports car will be an exhilarating experience.

How Are New Car Insurance Rates Determined?

August 22, 2017 · Posted in General Articles on Car Insurance · Comment 
It is law that your vehicle be insured. For new car insurance, there are many factors that will determine the insurance premiums you must pay. The type of car you drive will be of most importance. As is your driving history and the amount of options you chose on your insurance. A good way to have a better idea of what range your premiums might be in is to understand what car insurance group your new car belongs to. There are at least 20 different car insurance groups with high performance cars on the high side of the 20 groups.

These are the factors considered for new cars when defining which group they belong to:

• New car values

Price is important especially for cost of replacement and repair.

• Damage and parts costs

The likelihood of damage and cost of parts for repair. The lower the costs, the better chance of a lower group rating.

• Repair costs and times

The longer the repair time, the higher the cost. Higher cost equals higher group rating.

• Car performance

Statistics show that high acceleration and top speed cars result in more frequent insurance claims.

• Body shells and accident repairs

How available is the basic frame of the car? This is important for certain damage repairs.

• Car security

Good security features help reduce the risk of the car being stolen or vandalized. This can help reduce insurance claims cost and therefore put the car in a lower group.

After considering all of these factors that will influence the rate of your new car insurance premiums, the best thing to do is a little comparison shopping online. Most major car insurance companies will allow you to get a free quote online with no obligation to buy. This allows you to easily compare prices between different car insurance companies. Prices can vary by hundreds of dollars, so it is worth the small effort it takes to do a little internet surfing.

Kids, Cars And Car Insurance: Advice For Nervous Parents

August 22, 2017 · Posted in General Articles on Car Insurance · Comment 
If you have a child who has just turned 16 (or is going to turn 16 soon), you are probably a nervous wreck. Sitting in the car while they are practicing is enough to give you a mild heart attack, because of the way that they handle themselves in traffic. After they get their license, you aren’t going to be able to sleep at night knowing that they are out alone in your car. Plus, your car insurance rates are going to go up and cost you an arm and a leg now.

Ever since your teenager turned 13, they have probably been begging you to buy them a car for their 16th birthday. If you can, you may buy them a used car that is safe and big enough, so that when they get into their first crash they will be alright. But, along with this car, you are also going to have to get good car insurance that will cover them when they hit their first parked car on a snowy day, get rear-ended for the first time, and so on.

When shopping for car insurance quotes, you may be tempted to go with the cheapest quote. When getting these car insurance quotes, you are going to see a wide array of options and prices, and it can be really confusing. It can kind of be like comparing apples and oranges, because the cheap car insurance that you get for about $100 a month for your child might actually be more expensive in the long run than a policy that is a bit more expensive and costs $120.

When purchasing car insurance, you are going to have to make sure you are comparing apples with apples and oranges with oranges. You may want to look at your car insurance and see about getting a policy that is similar to yours. When talking to the insurance agent, you may decide to up the liability insurance, in case your son or daughter causes an accident.

The first place that parents should look for car insurance when trying to get a policy for their teen son or daughter is from their own insurance company. A lot of places will give you cheap car insurance if you have more than one car or more than one driver insured at the same place. You might get a 10% discount, which can add up to hundreds of dollars over the course of the year. Another thing to consider is to get car insurance from a company that offers other insurance for your family, for example, from the same company that offers your home owner’s insurance.

Car insurance for teenagers can be really tricky, and the best thing to do is to shop around and get quite a few car insurance quotes. Sure, you probably will end up going with the car insurance company that you originally chose for your insurance, but knowing what other companies offer for their prices will help you to decide whether or not to change plans with your teenager and get a better price. Cheap car insurance can really be deceptive, so make sure that you are comparing the car insurance you currently have with that different car insurance company is offering.

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