Thursday, October 11, 2007

Car Insurance Discounts That You May Qualify For

Car Insurance Discounts That You May Qualify For:
Many auto insurance companies offer car insurance discounts to individuals or entities who meet a certain condition or conditions. Each company is a bit different, often specializing in one particular area or another, so the availability of discount auto insurance will vary depending on where you live, whether you meet certain eligibility standards, and of course on the particular company that you're dealing with.

Whenever you're shopping for a new policy, make sure to ask if there are any auto insurance discounts that you may be eligible for. It costs nothing to ask, and you may be pleasantly surprised. It may even be worth your while to “become eligible” for some of this “discount auto insurance” by taking certain actions or joining certain organizations.

Low Cost Car Insurance, or the Cheapest Car Insurance Possible?
Only you can decide how vigorously to pursue the cheapest car insurance rate possible. Your driving history and habits are certainly one of the biggest factors, and something that you largely control, but perhaps by adding safety features, anti theft devices or joining the appropriate organization, you could achieve the cheapest car insurance rate possible for yourself. Even if you are eligible for only one or two discounts, the savings could be worth it. Low cost car insurance is achievable if one pays attention to the various factors involved.

Keeping in mind that our list is not complete, not all of these discounts may be available in your state, and that each insurer usually has different eligibility requirements, the following comprises some of the more common car insurance discounts that are available:

The ‘good driver’ insurance discount:
- This is one of the rewards of not having had an accident or a damaging ticket in a long time. The importance of being a good driver cannot be overstated, as it is one of the most important factors in achieving “low cost car insurance”.

The ‘good student’ car insurance discount:
- If you're a student with good grades, the assumption is that you'll also be a conscientious driver, and a somewhat lower risk to insure.

The ‘safe driver course’ insurance discount:
- Taking and passing an accredited driver safety course proves that you've invested some extra time in learning how to safely operate a vehicle on the roads. Car insurance companies tend to like this, as it's perceived as a lower insurance risk for them.

The ‘anti-theft’ car insurance discount:
- Given the cost to the insurance industry of car theft and break ins, installing devices that lessen the possibility of such can lead to lower cost car insurance.

The ‘safe vehicle’ insurance discount:
- Given the cost to the insurance industry of injury and death related to car accidents, it should come as no surprise that the safer your vehicle is, the better the chances of obtaining cheaper car insurance.

The ‘mature driver’ insurance discount:
- Typically, once you've reached a certain age, usually 50 or 55, and up to a certain point, you are regarded as a lower risk driver by auto insurance companies. A certain age range may entitle you to a car insurance discount.

The ‘low mileage’ car insurance discount:
- It stands to reason that if your vehicle is not driven very often, then you probably stand a lower risk of a car accident. Consequently, low cost car insurance may be available for you.

The ‘occupation’ auto insurance discount:
- If you hold a certain degree, or work in a certain field, insurance companies sometimes view you as a lower risk driver.

The ‘auto club’ insurance discount:
- Membership in an auto club like AAA, may entitle you to a lower rate.

The ‘association’ car insurance discount:
- Certain associations, like your alma mater may also entitle you to a discount on your auto insurance.

The ‘long-time customer’ discount:
– Loyalty and a long-time association with a particular insurance company can have its benefits. Sometimes a company will even overlook a certain “negative” regarding your driving history if you've been a long-time customer.

The ‘multi-vehicle’ insurance discount:
- If you have multiple vehicles to insure, it is usually a good idea to insure them all with the same insurance provider. Generally speaking, an insurance discount would apply.

The 'multi-line' auto insurance discount:
- Using the same insurance provider to insure both your home and auto, can also result in insurance savings.

As you can see, it is not so difficult to achieve one or more of the requirements for car insurance discounts, but obviously, one of the main factors is your previous driving record and your car insurance history.

If you want low cost car insurance, or the cheapest car insurance rate possible for your situation, the first and best place to start is with your own driving habits on a daily basis. Pay attention at all times when behind the wheel, and when you are ready to purchase a policy, don't forget to compare quotes from multiple insurers, and ask about the all of the car insurance discounts that you are eligible for.

Interestingly an insurance company that offers some discounts may not have the overall lowest price. It can't be said often enough - shop around before you buy. kanetix can help you find cheap car insurance

International Travel Medical Insurance

International travel medical insurance is a type of health insurance for international travelers. Most of the time it is used by short-term travelers, mostly on holidays and pleasure cruises. International travel medical insurance is used to cover medical expenses that are not covered outside of an individuals' home country.

Short term international travel medical insurance typically has a minimum of 5 days and long term international travel medical insurance can last up to 1 year.

When searching for your policy, you need to find one that is custom made for your wants and needs at a reasonable cost. There are so many out there to suit every taste, age group and wallet, you'll be able to pick one that's just right for you.

Traveling on vacation or business is usually a lot of fun; exploring new places and cultures while enjoying new cuisines adds to the experience and pleasure of visiting new destinations but, at the same time, you must take into consideration the possibility of any sort of accident that may happen at any given moment.

Taking out international health insurance, be it for business or pleasure, while traveling abroad is a good idea, though not compulsory, most travel operators do insist on some kind of insurance as part of their holiday product.

If you are planning on taking a holiday, or embarking on a business trip, or perhaps a long stay overseas, it is well advised you get some travel insurance to cover your travel losses and more incase something were to happen to them.

International travel medical insurance is a type of health insurance for international travelers. That's why international travel medical insurance is essential every single time you take a trip abroad. A good international travel medical insurance plan can cover all your expenses and make the best of a bad situation.

Draped in Insurance Plans

The world of today changes every moment. There was a time when bullocks and horses acted as our modes of transport. In today's world, bullocks and horses are themselves carried from place to place in trucks and vans. There was a time when all that a girl could hope for was to marry a good and sufficiently wealthy man. These days, women make their own money and only when they feel the need do they think about marriage. There was a time when the only available insurance plan was on life. Nowadays, all things can have an insurance. From diamond jewelry to pets to footballers' feet, any and everything is subject to being insured.

The most common types of insurance, of course, are motor insurance and home insurance. You can insure your car so that later on, making repairs will be relatively easier on your pocket. Moreover, several countries insist that no car can go out on the roads without its first having got insured. Are you surprised at that rule? Well, you really should not be. After all, given the large numbers of accidents on the road, it is a good idea to get the cars insured at the very onset. Interestingly, these days, insurance providers have come up with a plan that covers third party cars. Thus, if your car rams into another, your insurance deal will furnish the money to pay for repairs for that other car as well.

Getting insurance for your house must never be avoided. Things like fires and burglaries do not need invitation cards. They come uninvited and either burn or run away with much of your hard-earned dough. A good insurance plan will take care of these unwanted eventualities. At least you will not have to keep wondering how you can cope up if such a thing does happen. You have insured your house after all.

Medical insurance is another important insurance. It makes sense to cover yourself for possible medical problems. So, if it does happen that you need to undergo an urgent operation, you will not have to postpone it because of lack of funds.

One up-coming insurance type is the travel insurance. This is a good insurance for those who are traveling to places that are quite a distance away from their homes. You never know what medical problems may occur. To be stuck without sufficient money in a strange land can be terrifying.

Every day heralds the birth of yet another type of insurance. What would you say are the top five important insurance plans?

Guide To Help You Get The Best Online insurance

Online insurance is rapidly taking over the world, replacing the old traditional measures which in the past seemed to be the right way for obtaining insurance. Online insurance is growing, as IT is becoming increasinglyimportant and outsourcing is being seen as a sensible option to dealwith the challenges of the market in the future. It is simply about what you are willing to pay out of your own pocket as against what you want the insurance company to provide.

Term Life Online insurance
Term life insurance, also referred to as `temporary` lifetime ins, safeguards a person against loss of life and covers a specified time, known as the `term`. Benefits of Term on line life insure. Almost all policies allow you to convert your Term insurance contract to a Permanent one. You have the option to terminate or give up the life coverage online insurance agreement anytime you`d like to, so that you can utilize the cash surrender value on whatever you want (or need) to. To help determine which type of lifetime online insurance is best suited to your needs and circumstances, it may be worthwhile to be familiar with some of the fundamentals of a permanent life insurance agreement:. Get the best rates with a term life insurance quote online.

When you purchase a short-term life insurance plan, you are getting insurance coverage for a definite time period. If in case you expire within the specified time period in your short-term life insurance plan, the insurance company will have to give your beneficiaries the par value of your policy. Moreover, unlike other kinds of lifetime online insurance, short term coverage accrues no cash value.

Auto Online insurance
Auto insurance is something that you must have. Getting a car insurance quote and buying an auto insurance policy is fast, convenient, and affordable. With in moments you can get your insurance quote and view comparison quotes from other auto insurance companies. Whatever the situation, it`s nice to understand some of the basics of insurance coverage online prior to deciding on acquiring a certain plan for your automobile.

Liability coverage generally insures the named insured on the insurance policy, the named insured`s spouse and children, any blood family member of theirs by marriage, and everybody driving the automobile with the insured`s permission.
Crash coverage insures motorists for the damage done to their own automobiles by an accident that they were responsible for.
Collision coverage insures drivers for the damage occurred to their own autos by an accident which they caused.
Drivers willing to disburse a higher premium could get online insure plans that will cover the substitute costs of the auto.
When your automobile is leased, you`ll most likely need to carry gap insurance, which reimburses the difference between what your insurer pays and what you owe your creditor, in case your vehicle is a total wreck.

Online auto insurance is one of the greatest ways to find the auto insurance that you need. This is the ideal way to learn just how much you are going to pay for auto insurance and to determine just which of the auto insurance carriers will offer you specifically the lowest of rates. There are different laws inside every state, so while searching for auto insurance, look for these websites that verify insurance at each country.

Health Online insurance
Health insurance is a type of insurance whereby the insurer (private or government organization) pays the medical costs of the insured i. There are number of insurance companies offering affordable and cheap health insurances. Buying online health insurance is easy and convenient rather than visiting insurance agents or companies personally. By searching different health insurance websites, buyers can learn all about the health insurance; get free online health insurance quotes, compare health plan prices, and benefits side-by-side.

Travel Online insurance
If you are planning your holidays abroad, then it will be good to consider buying holiday insurance. During holidays, there are the possible chances of someone getting injured or ill, stolen baggage, lost baggage or any other issues. In order to learn additional info, it is best to look for the holiday travel insurance rate keyword with a well-liked search engine, for instance Google and also Yahoo. Buying online holiday insurance is much better as it is efficient, convenient and time saving procedure.

Online insurance is rapidly taking over the world, replacing the old traditional measures which in the past seemed to be the right way for obtaining insurance. Online insurance is a competitive market too, so you can be confident you're getting a fair shake. online insurance is simply about what you are willing to pay out of your own pocket as against what you want the insurance company to provide.

Health Insurance for the Self-Employed

With today's society allowing business to be performed easily with a click of a mouse, it is no wonder the Internet has grown to allow the entire world to be connected 24 hours a day. It has allowed many people to quit their jobs, move across the world, and become self-employed. Individuals, who would have normally worked for a company, have now found the pleasures of being their own boss. Technology has opened many new age business practices where email and instant messaging is the preferred source of communication with clients. Becoming your own boss takes self-discipline. The certain luxuries like health insurance and a 401K plan, which we may have taken for granted while working for a corporation; now is an extra added expense which has to be considered.

Things like health insurance which is automatically included in many full time positions, now must be researched, compared, and considered. Usually the monthly cost can be much more expensive since the self-employed individual is now paying the entire bill, not just a small percentage.

What are the options available for a person who chooses to work for themselves?

If the individual was working full time for a corporation, many health insurance companies would offer 18 months of Cobra after leaving the company. The cost for Cobra is 102 percent and the plans coverage stays exactly the same. If you had Cigna as the health insurance provider under their PPO plan, when Cobra begins, all your doctors and benefits do not change. Prices range from $300 a month for an individual through $2000 a month for family coverage.

Self-employment allows deductions to be taken out for health insurance as well. The general rule is the health insurance has to be established through the business; just paying Cobra to continue the coverage does not follow this rule. By taking the full income made and subtracting half for your self-employment taxes, plus taking out any other deductions (IRA), the left over money is the amount you are allowed for health insurance expenses. This can only occur when you are fully paying your own benefits.

Depending on the type of business can lead to different coverage options. For example, freelance writers have different organizations they can join. A benefit of associating with career groups is health insurance companies then offer discount plans to the organization and their members. This would be the first step to research after the Cobra option.

Another option is a discount health plan. Instead of health insurance coverage, the individual has a choice of medical, dental, and vision plans. A monthly fee is paid and certain doctors and practitioners are in the network. This means certain physicians participate in the discount plan and accept the partial payment. The individual is responsible for the remainder of the doctor's bill.

Other discount plans will have the patient pay the entire bill to the doctor, which is already at a discounted price, and then send a claim form into the company. For example, the doctor's bill with the discount is $50.00, the patient pays the full amount before leaving the office. The claim form gets sent into the discount health plan by the patient, and two weeks later, a check for $40.00 arrives. The total cost for the one doctor visit was $10.00 out of pocket.

With many of the health insurance options being offered for self-employed workers, prescreening, referrals, and rules pertaining to the amount of visits allowed per year can apply. Researching all the options before deciding on the plan which best suits your individual or family needs is suggested. Websites can give free quotes for the health insurance companies or discount health plans.

If you find making a decision is too difficult with all the options on the Internet, there are insurance agents who can help explain the pros and cons of each. Finding an agent who is reputable can be found through referral services or by asking other self-employed businesses.

Online Auto Insurance Quotes - The Guide to Getting The Best Deal

With most every car insurance company providing online auto insurance quotes these days – it’s difficult to know where to start to make a comparison.

Now almost everyone is in on the act it is more difficult for consumers to use the convenience of online facilities as another key differentiating point. Rather, an online service is another avenue that needs to be assessed to ensure you get the most accurate quotation and therefore the most suitable cover.

Now Speed Has Entered The Equation
The trouble is, now everyone is providing online car insurance, companies are trying to stand out by other means. Now it is not enough to offer online facilities, it must be the fastest online insurance. We all seem to be so busy that the thought of shaving a few minutes off is actually a key point for many consumers.

But it is critical to realise, ‘fastest’ may not necessarily be ‘best’. If your car, and family, is involved in an accident or your car is stolen what benefit will those few saved minutes be if one of your most valuable possessions is under or incorrectly insured and you lose thousands?

Points to Consider When Choosing Online Insurance
If you find the provision of online cover the key differentiating point when purchasing insurance cover, then you need to ask yourself a few questions:

Probably before you click one more button you should know the reliability of your insurer. What is their financial standing? For example, 1 Cover has a AA rating with international agency Standard and Poors. This rating indicates a company’s ability to pay out on claims.

How in depth is the online questionnaire? You might think the fewer the questions the better, but not so. There are any number of factors that can influence the final premium and accurate information needs to be obtained. These variations can result in hundreds of dollars difference on your premium and lack of relevant information could result in your being under-insured.

What is their staff like to deal with? Do you receive respectful, efficient service when you need to make a claim? One of the best ways to check this is to pick up the phone and have a chat.

When looking for online auto insurance quotes, the guide to achieving the best deals rests in reliability, service and accurate information.

Tips On Buying Good Travel Insurance

Buying good travel insurance encompasses suitability, reliability and price.

If you fall sick or are involved in a debilitating accident while travelling, it is a bit of a double whammy. Not only do you suffer financially through possible medical or hospital expenses, your travel plans are disrupted, often resulting in financial disappointment from non-refundable accommodation, tours, airfares and others. Lost credit cards, cash, traveller's cheques and personal possessions can also lead to both holiday and long-term financial stress.

Anyway you look at it - the small amount you pay for travel insurance just doesn't rate when compared to the possible consequences - BUT - that doesn't mean you have to pay more than you need, and it is only wise to get the best, most comprehensive, yet most economical cover possible.

What To Look For When Purchasing Travel Insurance
For a start, purchasing travel insurance through a travel agent or supplier can cost up to 66% more. In addition, travel agents may not always have back up in the event of bankruptcy, whereas all quality insurance companies are underwritten by a reputable insurance body, providing you with absolute protection.

Purchase your trip insurance online. Because online quotation and facilitation costs the insurer less, you pay less, getting the same high quality product for around 10% less.

Be sure of the credentials and the reliability of your insurance company - they should have full details on their web site at the least.

Always check the details of the policy. Different levels of cover may have different limits they pay up to, or may cover you for varying eventualities. This is due to the wide variety of methods of travel, locations visited, variety of sporting activities or events participated in, the age of those travelling or any pre-existing medical conditions. Always ensure your policy adequately covers you for your unique travel needs.

There are some items that should always be in every policy no matter the level, so be sure you are covered for at least the following:

Unlimited Overseas Emergency Medical Assistance and Unlimited Overseas Medical, Hospital and Dental Expenses - international travel only

Unlimited Cancellation Fees and Lost Deposits - this is often for international travel

Personal Liability

Accidental Death and Permanent Disability

Travel Documents, Credit Cards and Travellers Cheques

Luggage and Personal Effects

If you follow these tips on buying good travel insurance you should achieve both appropriate and economical cover.