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The Hartford Auto Insurance programs offer competitive rates, high-quality coverages and benefits that are more than just a promise - they guarantee it. Wow, now that's some statement. 

Lets see why millions of drivers are insured with The Hartford.

Combined Auto and Homeowners Discount
If you insure both your auto and homeowners coverage, you could save as much as 15% off the premiums for both policies.

Passive Restraints Discount
Is your car is equipped with automatic safety belts andor air bags? If so, The Hartford can save you up to 30% off your medical andor personal injury coverage.

Renewal Discount
The Hartford offers renewal discounts as a special thank-you for your business. Once your insured with them you'll be eligible to receive this additional discount.

Multi-car Discount
More than one car? You can receive a discount of up to 25% on each car when you insure them with Hartford Auto Insurance Company.

Anti-theft Devices Discount
Do you have car alarms and other anti-theft devices in your car? If you do Hartford Auto Insurance can save you up to 15% off the cost of comprehensive coverage.

Do you park your vehicle in a garage? 
Vehicles parked inside garages are not so probable to be stolen and struck by additional vehicles. Owning a garage to park your automobile may give you a slight cost discount. 

Other Credits Offered
Depending which state you reside, other credits may be available such as discounts for anti-lock brakes, defensive driving course credits, and more. 

AARP Auto Insurance Program
Are you 50+ years?  Can you afford £12.50yr membership fee? Well, AARP offers member discounts for auto insurance through The Hartford. These are benefits and services designed exclusively for members and their changing needs.  

You want your auto insurance company there for you when you need them the most, so it's important to know that The Hartford is a long established company that was founded in 1810 and is recognized for its financial strength, superior track record and excellent customer service.

budget insurance

Do you want to save hundreds on car insurance in 2017? Don’t waste your time doing it the old fashion way. We can help you compare multiple cheap car insurance quotes within minutes. The information we provide will help you make the best choice when choosing the right car insurance for your needs.

Why we Need Car Insurance

Car insurance is necessary for a number of reasons.  
The main reason is that most states require it. Even states that don’t require the purchase of car insurance require proof of financial responsibility.  
The cost of repairs for even minor accidents is usually thousands of dollars.  Many uninsured drivers cannot afford to repair damages to their vehicles.
The risk of bodily injury, or even death, when the other driver gets angry after being hit by an uninsured vehicle.

Why some cars cost more (or less) to insure than others

Insurance companies charge varying premiums for different car models. Here are some of the vehicle characteristics that affect the cost of insurance:

Retail price — Generally, the pricier the car, the more expensive it will be to insure. Assuming you buy comprehensive and collision coverage, the insurance company will be on the hook to pay out the car’s market value if the vehicle is stolen or wrecked beyond repair.
Cost of parts — High-end models such as sports cars often use parts made from carbon fiber and other specialized materials that are expensive to repair, which drives up the cost of damage claims.
Safety — Over time, cars that do a good job of protecting drivers and their passengers bring down insurance costs. Fewer injuries means fewer claims for medical payments and personal injury protection.
Typical driver — Vehicles that tend to attract safe drivers — think minivans — are generally cheaper to insure. Safer driving means fewer wrecks, which translates into fewer claims for injuries and property damage.

Types of auto insurance coverage

Getting the best auto insurance policy isn't just about the lowest price. It's also about finding the right coverage, so you'll be financially protected if you get into an accident.

Here are the categories of coverage available:
1. Liability insurance

This insurance is required by law throughout some country. It covers the costs associated with damages caused to another person or vehicle in an accident, including medical bills, rehabilitation, lost earnings, legal fees, and other expenses up to the limit of your policy. As a practical matter, you'll want enough insurance to cover a judgment against you in a major accident so that your personal assets won't be put at risk.

2. Emergency road service

ERS insurance provides you with roadside assistance in the event of a breakdown or mishap while you're out driving. It also covers the cost of getting your car back on the road. Those costs may include light mechanical labour, an oil or gas delivery, new batteries, a boost, tire changes, locksmith services, or even a tow. With help on the way, ERS takes the stress out of a breakdown.

3. Comprehensive insurance

This type of auto insurance covers damages resulting from incidents that aren't related to car accidents or collisons. Comprehensive coverage often includes hazards like extreme weather, vandalism, falling objects, fire, theft, and flooding.

4. Collision insurance

Collision insurance covers damage to your car in the event of a vehicle rollover or a collision with another vehicle or object. If your car is totalled, collision insurance will pay the cost of replacing it.

5. Uninsured motorist coverage

Covers costs related to your injury or death after an accident caused by another driver who's either uninsured or unidentified, as in the case of a hit-and-run driver. Keep in mind that this coverage only pays for damage to your vehicle if the uninsured driver is also identified.

6. Direct compensation property damage 

Available only in New Brunswick, Nova Scotia, Ontario, and Quebec, DCPD covers your car for losses and damages after an accident that you weren't entirely responsible for. But the other driver has to be identified, insured, and found to be at least partially at fault.

7. All-perils insurance

Provides protection for you against all types of perils except those specifically excluded from your policy.

8. Accidents benefits coverage

Provides you with medical care and income replacement benefits if you're injured in a car accident.

9. No-fault insurance

Deal with your own insurer regardless of who's at fault in an accident. With no-fault insurance, you don't have to pursue the other driver's insurance provider to get compensation. Your insurer will pay for your benefits, so your medical bills get covered and you can get back on the road.

10. Specified perils

This type of auto insurance only covers the perils named in your policy, and it generally includes commonly occuring hazards such as fire, theft, hail, and windstorms. Specified perils is often purchased as a cheaper alternative to comprehensive insurance.

Tips to Get Cheap Car Insurance

No matter who your auto insurance company is, here are tips for saving on your policy:
1. Look for discount

even ask for them. There could be discounts you’re not taking advantage of. For instance, maybe you now work from home and are driving less than when you bought your policy. Mention it and you might get a low-mileage discount.
2. Rethink your insurance limits and deductibles. 

Don’t strip away your coverage just for the sake of a lower price. But consider accepting a higher deductible on collision and comprehensive if it makes sense. Raising deductibles means you would owe more out of pocket if you had to file a comprehensive or collision claim. If you rarely drive or are financially comfortable with that risk, though, it’s a surefire way to get cheaper car insurance.
3. Cash in on major life changes. 

Certain life events could translate to cheaper car insurance. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a new city with stellar public transportation. If you’re commuting by train instead of car, your risk for accidents will go down — and your rates just might, too.

Facts About Car Insurance

Regarding states where liability insurance is required, some states don’t let drivers register vehicles without showing proof of liability insurance, while other states only require proof of insurance upon request, usually at the scene of an accident.

To work out annual rates on car insurance, carriers process decades of traffic information into actuarial tables that give claim adjustors an overview of the probability of just about any traffic-related occurrence.

According to the National Association of Insurance Commissioners (NAIC), the ten most expensive states for buying auto insurance (as of 2012) were New Jersey, DC, New York, Florida, Louisiana, Delaware, Michigan, Rhode Island, Connecticut and Massachusetts, in that order.  The ten states with the least expensive auto insurance rates were Idaho, South Dakota, Iowa, North Dakota, Maine, Wisconsin, North Carolina, Nebraska, Wyoming and Kansas, in that order.

Calculations were based on a hypothetical 26-year-old male with no accident history, insuring a new Toyota Camry, and assuming liability limits of 100/300/50, with a $500 deductible.   That means $100,000 in coverage against personal injury to the driver, $300,000 in coverage against injury to other people, and $50,000 in coverage against property damage.

Other location-related factors with a significant impact on car insurance premiums include urban population, traffic density, and per capita income.  State laws, auto repair costs, liability coverage requirements, theft rates, and other factors can also affect the cost of auto insurance.

According to recent reports from the NAIC, the average annual expenditure for auto insurance in the United States was $814.99 in 2012.  South Dakota had the cheapest average annual cost at $556.51, while New Jersey was the costliest state for car insurance, with an average annual expenditure of $1,219.93.

In 2014, the U.S. cities with the nation’s highest average annual premiums were Detroit (MI), New Orleans (LA), Grand Rapids (MI), Newark (NJ), Baton Rouge (LA), Hialeah (FL), Jersey City (NJ), Louisville (KY), Miami (FL), and Philadelphia (PA).

Over the same time period, six of the nation’s ten least expensive cities for car insurance were located in North Carolina.  The ten cheapest cities for car insurance premiums were Winston-Salem (NC), Greensboro (NC), Raleigh (NC), Durham (NC), Charlotte (NC), Boise (ID), Rochester (NY), Fayetteville (NC), Spokane (WA), and Montgomery (AL).

The average annual premium for car insurance indicates the amount consumers actually spend per vehicle, as opposed to the average cost of premium packages offered by the insurance companies.  Different states have different minimum requirements for auto insurance.

auto ins

Knowing your target market can be a company's key to success in modern business. Niche marketing, particularly with the availability of much more targeted advertisement using television commercials and online ads, is growing in popularity because of its high-yielding results.

With car companies putting out commercials and ads specifically targeting groups of consumers, like women, young people, parents with small children, and even successful CEOs, does anyone wonder where
they're getting their information? The answer: market research firms. The business of capturing information about segments of the consumer population has become a business in and of itself – and a big one at that.

For example, let's start looking back at 2005 when Harris Interactive – the 15th largest marked research firm in the world – conducted a study to find out what automotive brands people felt were not only the most technologically savvy, but also which brands were perceived to be driven by socialites. Six brands made both lists: Volvo, Jaguar, BMW, Lexus, Mitsubishi, and Isuzu.

While the results are no surprise to the first four on the list, Mitsubishi and Isuzu have never actively tried to position themselves in either market. Currently, Isuzu offers four models to U.S.

consumers – its high-performance SUV "Ascender" – and three pickup trucks: the i-290 Extended Cab, the i-370 Crew Cab, and the i-370 Extended Cab. One wouldn't necessarily assume that when the majority of your line are pickups – traditionally marketed to Middle America for their rugged hauling and towing capacities – that you'd be perceived as a company known for progressive technology and appealing to socialites. But, in all honesty, that should be no surprise either.

Isuzu's recent upgrades, like the i-370's Crew Cab Comfort Package proves that Isuzu drivers appreciate luxury as much as anyone else.

It includes high-back 8-way power driver seats (and 6-way power seats for the front passenger) with lumbar support and integrated adjustable head restraints. The driver window controls are one-touch automatic and the steering wheel is leather-wrapped. In addition to the CFC-free refrigerant air conditioning and an AMFM stereo with 6-disc in-dash CD changer, it offers a state-of-the-art 6-speaker audio system.

The i-370 also excels when it comes to desired safety features. The pickup boasts an automatic front-passenger airbag suppression system, power locks, remote keyless entry, and a content theft-deterrent alarm system. The interior is available in cloth or leather.

With ten exterior paint options to choose from like Deep Crimson Metallic and Pacific Blue, the pickup looks like it should sport a much higher price tag. It's truly and impressive looking vehicle.

Driving the i-370 is bound to prove that this ain't your grandfather's pickup. All that power handles as beautifully as many luxury cars handle thanks to a hydraulically assisted rack-and-pinion power steering system , triple door seals to block road noise, and Isuzu's own Electronic Traction Control.

So with all this, it's no real surprise that Isuzu ranked right up there with legacies of luxury like BMW and Lexus. In an effort to design the best possible product for their buyers, they ultimately opened the door to markets they weren't specifically aiming for. But that just goes to show you that comfort, performance, and style appeal to everyone.

Car Insurance Policy – What To Know About Car Insurance Policy Before You Shop

car insurance policy

The car insurance policy has a great deal of legitimate dialect that the majority of us don't start to get it. The fundamental parts of the car policy are found in the affirmations page that you get when your policy reestablishes. Car safety net providers are continually vieing for each other's policyholders. Each car insurance organization utilizes statisticians and financiers to help decide the rates. 

Rating Territory – Whether you like it or not, your neighbors and companions in your group help decide the rates in your general vicinity. These zones are called rating domains by the insurance organizations. On the off chance that there are high misfortunes and recurrence in your general vicinity then your rates will be higher. The inverse is additionally valid. 

Obligation Insurance – Liability insurance ensures you when you are at risk in a car crash. This is profitable security for you since this is the part of the conceivable that safeguards you against the most elevated hazard and money related misfortune. Risk claims due to death and harm are by a wide margin the biggest. Try not to stop yourself here. 

Physical Damage Insurance – This segment of the car insurance policy relates to your vehicles. It is a smart thought to self-safeguard here by buying this scope with high deductibles. Low deductibles at no time in the future warrant the high premiums for the insurance managed. High deductibles will spare you a huge number of dollars over the life time of a policy. 

Car Insurance Discounts – There various rebates in car insurance, Vehicles with air packs, safety belts, electronically monitored slowing mechanisms, and hostile to burglary gadgets all have rebates. Senior drivers can get retirement rebates. Youthful drivers with driver preparing training get rebates. A few organizations give great understudy rebates for the youthful driver with a 3.0 review point normal. 

It's additionally essential to have certain data accessible when looking for car insurance. The vehicle distinguishing proof number for all vehicles, the driver's permit number for all drivers, and your ebb and flow insurance data will make your shopping less demanding. 

Car Insurance Legal Expense Cover 

In the same way as other individuals purchasing car insurance, you look around and purchase on the web. You've found a decent, cost-productive arrangement. So with regards to the last checkout, do you tick Yes or No in that Legal Expenses Cover box? It will add somewhat more to the aggregate, and it's not a flat out prerequisite, so you might be enticed to forget it. Not slightest on the grounds that it's certainly not the most understood some portion of insurance! It is, in any case, something we think you should consider including if it's not in the policy as standard. 

Take a case of an ordinary mishap: you are unharmed, yet your car needs to sit tight in the repair search for two weeks while parts come in. Without substitution car contract as a component of your insurance give, you should depend on open transport – not the reason you purchased your own vehicle! With legitimate cost cover, you can utilize a contract car and realize that your inconvenience and bother will be adjusted. 

All you have to do when you guarantee on your legitimate costs policy is to give the mischance points of interest similarly you typically would – all the printed material will be dealt with for you. It's conceivable that you may need to address your specialist, or show up in the remain in case of the case going to court, yet you won't ever need to pay any legitimate expenses. 

What's more, the cost is low, now and again even free. Chief naval officer incorporate it as standard. Most back up plans do make a charge, yet it midpoints around £20 a year – for instance, More Than charge £17.85, and Budget include an additional £24. Consider the fights in court that have come about because of mischance cases in the past – particularly those where genuine wounds and cases were included. Remuneration – and costs – can keep running into millions. Nobody can question that in cases like these, legitimate costs cover is an advantageous expansion to any policy. 

So next time you purchase car insurance, ensure your policy incorporates lawful costs cover. Take it as an additional if it's not some portion of the standard bundle. You'll scarcely see the additional cost, however you'll unquestionably know about the advantages in the event that you ever require it. 

A few Benefits Of Car Insurance Online Purchase 

Is it conceivable to buy car insurance on the web? Most people are accustomed to buying their car insurance by leafing through a phone directory and calling neighborhood insurance organizations. When you call a nearby office they as a rule demand a duplicate of your present scope with a specific end goal to give you a precise correlation and also exhortation . This same procedure can occur with internet citing also. The web based citing framework will oblige you to post all germane insurance data to give you an exact quote. You accomplish a greater amount of the work yet you are better educated when you finish the procedure. 

Car Insurance Information Needed for Online Quoting 

1. Lapse Date – The termination date is basic since it demonstrates that your insurance has not lapsed and that will qualify you for a favored rate with generally organizations. In the event that your insurance has lapsed then you might be guaranteed into a substandard carrier and those rates are higher. 

2. Driver Information – All occupant relatives that have a driver's permit should be appraised on the policy. You should enter the name, date of birth, and driver's permit number. 

3. Driving Record – Accidents and infringement should be uncovered to pre-qualify you for the insurance. This should be precise in light of the fact that insurance organizations will get some answers concerning your driving record at any rate. They check engine vehicle reports from your state and additionally your earlier carrier. 

4. Vehicle Information – You should list every vehicle on the policy. You will require the vehicle distinguishing proof number for every vehicle. That number will give the insurance organization the correlated data that it needs to rebate the vehicle for air packs, non-freezing stopping devices and other wellbeing highlights. 

5. Current Coverage – Use your affirmations page to rundown the majority of the scope that you at present have on all vehicles. This will incorporate risk limits, first gathering benefits and physical harm limits. 

A Little Help To Make Your Car Insurance Rates Cheaper 

Is there truly such an unbelievable marvel as a shabby car insurance organization? Shabby and car insurance don't appear to be perfect partners of similarity. Insurance has a considerable measure of obligation and a ton of cost. I don't know that modest can ever happen unless the entire world quit having mischances. Sensibly valued may be your best option depiction when searching for minimal effort car insurance. Many people consider car insurance a fundamental underhandedness until they need to utilize it and after that the demeanor starts to change. Insurance is a standout amongst the most philanthropic legitimate understandings you will ever buy. We are truly all altogether covering every others resources. That is the reason for insurance. It is society shielding itself from itself. Okay, that was our little emotional wellness discuss insurance. How would we get the most reduced rate? 

Taken a toll Savings Ideas 

1. Purchase Multiple Policies – Auto and Homeowner policy mixes dependably give you rebates. Auto and leaseholder arrangements do likewise. 

2. Purchase Higher Deductibles – low deductibles are a relic of past times. High deductible insurance is presently known as self-protecting. Higher deductibles of $500 or more bode well in light of the fact that the funds year in and year out will spare the guaranteed a large number of dollars over the lifetime of the policy. 

3. Take constrained Tort – If you are in an express that has tort alternatives then you can markdown your general policy at least 20% by picking restricted tort. The tort alternative is your entitlement to sue for agony and enduring. This is extra cash granted you for the burden of the mischance. You may have lost three months work. The anguish and time spent on recovery are what truly matters to this alternative. Restricted Tort enables you to sue for a constrained measure of harm and enduring. These points of confinement are state particular. Contact your specialist or insurance organization for meaning of full tort and constrained tort. 

4. Non-Stacked Uninsured and Underinsured Motorist Coverage – Stacked scope will include. Each car that you possess is increased by as far as possible. Purchase non-stacked and spare cash. Ensure that your base sum is satisfactory. 

Making A Claim Car Insurance 

On the off chance that you are sufficiently unfortunate to have a mischance, you should know a portion of the nuts and bolts intricate details of how to make a claim on your car insurance. 

Individual Injury 
The main thing you ought to do taking after a car collision is to check and check whether anybody in your car or any of alternate cars has been harmed. In the event that they have, you ought to quickly call for medicinal help (emergency vehicle). When you have done this, remember you may need to incorporate a medicinal report as a feature of the mishap assert. 

Call the police 
Contingent upon the earnestness of the mischance, you may know need to call the police. 

24-Hour help 
By law you ought to have a duplicate of your car insurance testament with you in your car at all circumstances. Incorporated into this will be a 24-hour hotline contact number that you can call in the event that you happen to be required in a mischance. You have to ring this number and ask them what the methodology are you ought to take. Keep in mind, in the UK you can have one of a few distinct classes of car insurance (for instance, outsider or completely extensive), so the means you should take will shift contingent upon this and the strategies set up by your particular car insurance policy supplier. 

While on the telephone with your car insurance organization, recollect to request that they send you a mishap report frame. The mishap report shape ought to be genuinely obvious, however in the event that you have any issues finishing this, then it is a decent perfect that you call your guarantor and clear up any false impressions before you present this frame. 

Gather confirmation of the mischance 
Having called your insurance supplier and requested help, it is a smart thought to gather some proof about the mischance. This can incorporate taking the names of any onlookers andor taking photos of the mishap (cell phone cameras are helpful for this reasons). 

Repairs to your car 
It is vital that you comprehend that any costs you bring about concerning your car taking after a mishap are for your own particular record (i.e. you pay) unless you have concurred these already with your insurance organization. In that capacity, it is not a smart thought taking after a mishap to simply take your car off to a carport and have the repairs done – as you may well discover your car insurance organization won't consent to repay you. Significantly more sensible is to telephone the car insurance organization first and inquire as to whether there is a particular carport in your general vicinity where you have to take the car for repairs. 

Keep receipts for all costs 
Regardless of the possibility that you feel that it is impossible you'll be repaid for the cost, on the off chance that you have a mischance and will make a claim with your car insurance organization then it is crucial that you keep a receipt of the considerable number of costs brought about. Remember that on the off chance that you don't have a record of the cost, it is exceedingly far-fetched that your car insurance organization will repay you.

Car Insurance Tips and Tricks

Are you are looking for information on how to get car insurance for your new or pre-owned auto or if you just want to get a better auto insurance quote? Then You have come to the right place. Not all auto insurance companies have the same policy coverage, pricing or terms. To get the best car insurance policy at the cheapest rate, you will have to do a little research; most auto insurance companies offer online quotes, this is the easiest way to do comparisons.

If you have an existing policy from your current insurer, pull it out or request they send you a copy. Read it through carefully and highlight the most important coverage items to identify areas where you may need decreased or additional coverage.
Car Insurance Tips and Tricks

Deductible in the event of a claim - Increasing your deductible can lower your insurance quote by hundreds of dollars.
Total loss - Coverage in the event your automobile is stolen or totaled in an accident. 
Property Damage Liability - This coverage is important in the event your vehicle causes damage to someone else's property.
Can you go to the auto repair shop of your choice ?
Does it make a big difference if you opt for a higher deductible?
Where can I find Cheap auto insurance quotes? 

To get the answers you need to know before renewing your car insurance agreement, read the full version of this article below.

Really Cheap Car Insurance

Is there such a thing as really cheap car insurance? I don’t know how that happens unless you have a really cheap car that you hardly ever drive and nobody in your geographical area has had an accident in the last 20 years. That would drive the rates down significantly. The reality of that all occurring is somewhere between very slim and none.

Car insurance is given its rates by insurance actuaries. They review claims experience in certain geographical areas along with driver age groups to obtain some of their criteria for determining rates. The kind of vehicle that you purchase has a lot to do with rates. Some vehicles have a very high theft rate. It’s just not that simple to come up with a low rate with all of these unknown factors. The logical approach to finding low cost insurance is to gather insurance quotes from several companies and from that you may be able to find the lowest comparative rate.

Car Insurance Rating Factors

1. Geographical Area – You have no control over the driving experience in your own back yard. That still doesn’t negate the fact that your neighbors can affect your rates. The higher frequency of accidents in your area will increase the rates. The severity of accidents will also affect your rate. You will often find higher frequency fender bender accidents in the inner city while the rural areas may have more severe accidents because of higher speeds traveled on the open highways.

2.Vehicle Types – Older vehicles with physical damage are obviously cheaper. Sports cars and expensive sport utility vehicles will increase the rate.

3.Young Driver Discounts – Some companies have discounts for good students with a 3.0 grade point average along with a drivers training discount. When you put the two together it can be significant.

4.Retired Discounts and Mature Driver – Some companies have retirement discounts and mature driver discounts to lower the rates for senior citizens.

These are just some of the many possibilities. Ask about available discounts when shopping for car insurance. Consider the area in which you live and adjust with the types of vehicles you purchase and how you arrange your coverage. Educate yourself more than you have before and you will help your cause.

Car Insurance Tips to Remember

Zero percent car insurance

Car insurance dealers may often make announcements of zero percent auto financing, and you may be tempted to go for this great deal. It would be a dream to drive away a new car with zero percent financing. This means a $15,000 car may fetch you savings in thousands, versus five-year car insurance with interest. However, you should know that this 0% car financing is not available for everyone. Many people even make the mistake of buying a more expensive car with no cost car insurance, thinking there will be no interest that they have to pay. Unfortunately, this happening is very rare.

Zero percent car insurance takes credit report into consideration to qualify for this insurance financing, and the guidelines for credit are extremely demanding too. There would be so many conditions of eligibility along with this offer that eventually only a few can actually get a great deal with the dealers. It is seen that car insurance with an interest rate offers a much better deal. Most of the time, this zero percent car insurance is offered only on some select vehicles; mostly on slow vehicles as the dealer's main aim is to get rid of the vehicles.

If you are a first time buyer, or you have a limited budget for your car, you should carefully investigate the different insurance policies available, as some might suit you better financially. So do some research, as it is possible to get cheap motor insurance as well as keep the premium on the policy very low.

Tips on Car Insurance

Some important tips to remember are:

• Higher excess: You can opt yourself to pay a higher excess in the event of an insurance claim.
• Do thorough research on the internet, as online car insurance is a lot cheaper.
• You get cheaper insurance if you get an approved immobilizer fitted in your car.
• Get an insurance broker, as he can help you pick the right insurance.
• If you are a student, you may gain some concession from the companies.
• You can also get a cheap car with a small engine, as the more costly the car is, the higher the premium will be.
• By building and protecting a 'no claims' bonus you will have a great impact on your insurance rates.
• If your car was very cheap, it may be cost-effective to have third-party, fire and theft insurance, instead of fully comprehensive cover. 
• Never give your price first, and never take the first quote from an insurer.
• If you can, get your own copy of Credit Report and show it to the insurance companies, as they will charge you to get it for you during the approval process.

Car Insurance Top Tips

The car insurance industry has got really competitive in the last few years, so prices haven't really changed much. There are now over 100 car insurers to choose from, so there are some very good deals out there for those who are prepared to shop around. 23% of motorists still choose to insure with the same company as the year before, but they could undoubtedly save money if they did check out some other companies.

Motorists could be forgiven for not getting other quotes, it used to be a very laborious exercise involving long waits while getting routed through the call centre, and boring repetition of facts to sales advisors. Now, thanks to the internet, it's all a lot more simple. Car insurers also offer extra discounts to people who buy online.

However, you need to consider the quality of the policy, not just the price:

• Check that your low quotation is not due to an extremely high excess.
• Check that you will get a courtesy car if your car needs to be taken in for repairs.
• Check that legal insurance cover is included, if you want it, and automatic windscreen replacement.
• Find out if there is an accident help line in case of an emergency.

It's a good idea to ring the insurer direct to talk through the policy in detail before signing up online.

Money saving tips – recommended!

You can get a quote with over 40 car insurers if you input your details into a good car insurance broker's website. You'll only need to give your details once. Call the insurer with the quotation to check exactly what is and isn't covered.

If you have a garage, then you'll save by keeping your car there overnight. You'll also make savings if you can keep your car on a driveway. This is because there is more chance your car being broken into or vandalised if it's kept on the road.

Give your insurer an accurate picture of how many miles you do each year – you will save if you travel less.

Some occupations, like being a landlord, journalist or professional footballer (if only) attract higher premiums. You can save money if you work in finance or the civil service.

Get married! Men under 30 pay more if they're not married – it's just the excuse your girlfriend is looking for!

Under 25's pay more, but you can get lower premiums if can put a driver over the age of 25 with a good driving record on your policy as a named driver. That person must be under 60 though, as premiums rise again at that age.

Agreeing to higher excess (the average cost is £100) will help lower your premiums.

If your car is not of a high value, you could get third party cover and make quite a saving compared to fully comprehensive insurance.

Pay as you go insurance is a new option for 18-21 year olds. It's a recent development introduced by Norwich Union, in which you pay a unit cost per mile. The cost per mile is more between 11pm and 6am. You pay an initial fee of £199 to have a Global Positioning System fitted to your car, and then it transmits details of your mileage direct to Norwich Union. They send you a monthly invoice and you pay for the miles you've done!

Taking Pass Plus lessons to improve your driving abilities could save you around a third on your premiums. They cost £15 - £30 an hour and cover driving at night, in busy rush hour jams and fast motorway driving. You can find out more at . You can also improve your driving skills and make insurance savings with the Institute of Advanced Motorists ( ).

Find out the insurance group of a car before you make the purchase. There are twenty insurance groups – the slower and less desirable the car (to criminals) then the lower the rating. You could make considerable savings by choosing a car in a lower insurance group.

If you want a high spec or performance car then you can expect to pay a lot more on your insurance. They're a lot more likely to be stolen or involved in an accident. Making the sensible choice might be a bit boring, but it will be a lot cheaper.

Watch your speed. Most insurance companies will let you get away with a single fixed penalty fine but if you repeat the offence then your premiums will rocket.

Protect your no claims discount as soon as you can (usually after four years). It costs a bit extra but it's well worth it.

Satellite navigation in your car will lower your premiums. Insurers have found that people concentrate more on their driving and less on trying to find their way, which means less chance of having an accident.

It's a good idea to have an engine immobiliser or alarm fitted not just because it could help you keep hold of your car, it will also make you a saving of 5-8%.

If there's two or more cars in the household, get them on the same policy to get a good discount.

Winter Outdoor Shopping For Automotive Essentials

Winter can pose many hazards to people that must leave the confines of home and venture out into icy conditions on roadways and into cold weather temperatures that could make shopping almost impossible. To make winter outdoors shopping more bearable, many townspeople will go outdoors shopping for salt spreaders that will keep the roadways near their home free of ice. Some town governments might go winter outdoors shopping and buy snow plows to clear the roadways everywhere.

People that live in areas where snow falls most of the year will get quite accustomed to going winter outdoors shopping even if it is summer or springtime. The items that they are intent on buying are those that will winterize the house and the items that they will be intent on buying are the ones that are designed to keep the warm air inside the home during winter, and ones that keep the cold inside the house during the summer. People will purchase weather stripping to keep drafts out of any room in the house at all times of the year.

People who live in rugged terrain areas need to have certain essentials in the car when they leave the house after a deep snowfall. If the automobile has been outside for a while, there is a good possibility that the electronic jump starter bought on an winter outdoors shopping trip will come in very handy when the automobile owner tries to crank it up and leave the driveway to get more shopping done before the Christmas holiday arrive.

Some winter outdoor shopping trips will be earmarked for buying things that will keep the family warm and safe, should the car break down on an isolated roadway. Some engines might not freeze up if the automobile owner had thought ahead and purchased an engine heater when the car was purchased many years before. Even if the automobile did break down, the heated cushions on the car seats could make things seem quite cozy until help arrives in the knick of time.

The automobile is a great asset to own but some things that are purchased on winter outdoor shopping expeditions will make owning it even more enjoyable. People can find great bargains on ski racks at internet retail sites and have enough money left over to make the ski resort reservations into two rooms or more. The wintertime provides sports enthusiasts with many opportunities to own gear that makes playing in the snow a brand new experience each year.

People that love playing in the snow might use the outdoor shopping sales to buy snowmobiles, snowboards and snow shoes to keep out the chill. Every snowmobile will have its own cover because the winter outdoor sales priced them with great discounts. A recreational vehicle owner might use the sales ads in winter to buy RV covers and a new set of windshield wiper blades. These items are all essential to vehicles be ready for the road when the idea of a ski trip happens one weekend.