Monthly Archives: April 2017

Cheap Auto Insurance

Finding cheap low cost auto insurance is not hard when you use the internet to compare price and policies. There are many sites that will let you get multiple quotes online so that you can find the best low cost insurance and you can make sure the policy fits your needs. You need to make sure that you get a good price that you can afford but it is equally important that you have enough coverage in case the worse happens and you need to go to the hospital or the person you hit needs to go. Without the proper amount of insurance you could be sued for everything you own.

If you own a car then you need to have car insurance and even if you are an excellent driver it is still important to have insurance because you can not control others on the road. Yo want to talk with you insurance person and find out what is the best amount of coverage to have. The amount required is going to vary from town to town but you need to know if the worse happens that you and the other in the accident are covered. It can be expensive to pay out of pocket to fix your car or replace it so make sure you have auto coverage.

Remember that it is easy to find an affordable low cost auto insurance policy and it will be worth your time to compare price and policies. Find a site that you feel comfortable with and get the quotes you need to find the best insurance for you.

The Importance Of Auto Insurance

When it comes to auto insurance, many people get frustrated by the high premiums, but when you need this auto insurance, most people quickly forget about that part. Unlike health insurance which is totally messed up, car insurance is one of those things that has been figured out to a science. This means that you can get insured for relatively cheap and start getting the coverage you need. The only thing that makes this type of business different from health insurance, is that having insurance on your car is required by law and it is actually illegal to drive without it.

This type of coverage ensures that your vehicle, the health of those riding with you, and the vehicle and passengers in the offending car will all be taken care of. This gives a person peace of mind as everyone hopes and prays not to get in an accident, but accidents happen every single day.

The biggest thing when it comes to this type of premium insurance is to make sure that you select a company that cares about you. You can determine this based on the insurance agent that you end up selecting. This will help you to feel confident about the details of your plan and help you to fee confident on the roads here in this great country. It is also important to note that certain companies raise their rates based on the amounts of accidents that happen within the company. Pick a company with a relatively low accident statistic to help you save some money.

Auto Insurance Advice

The information and details in the small print do vary from insurer to insurer so here I will try and generalize it as most companies are similar in their policies.

Car insurance also referred to as auto insurance differs from most types of other cover in the respect that’s its compulsory in the majority of countries. If you drive a car or even if your car is parked on any public road then by law you have to be insured. This however does not apply to private land owned by yourself or another party. There is a misconception to what actually constitutes private land and to be crystal clear on how this affects you check your own insurance details or if you need a policy.

Areas like parks, waste land, car parks, pavements and country lanes, shopping centres and football fields are not considered private and if caught prosecution is most likely. Private would be classified as owned land that is not used by the public. For example if there is a public footpath going through a private estate then this is not private land and you would almost certainly need insurance or liable to face prosecution. Even if the land you were driving on was private and not open to the public you would still require permission from the land owner or again prosecution is possible. Now let’s say for arguments sake that you yourself own private land that is not open to the public in any way and your riding your quad up and down the driveway (nice for some) You clearly have it stated on one of those big wooden signs ‘PRIVATE PROPERTY ‘and maybe to add extra safeguard next to this you have another reading ‘BEWARE LION LOOSE’ okay a little over the top but you never know with some folk! Now the only pedestrians that are allowed to enter with your permission are the postman and milkman. Do you need insurance? The answer here is no you don’t even though there is a good argument that you should because you have technically made it accessible to members of the public.

At the moment in the UK there is a strong push to get this amended where by any vehicle even though only parked and not been driven on private land should have insurance. Basically the police would have the same powers as they do now which would mean if you don’t have car insurance then they could possibly have your vehicle removed from your property and crushed. I personally find this totally preposterous and yet again more money for the car insurance business. Statistically the risk of injury to persons or damage to property by vehicles parked up is minuscule even for cars that are been drove on private land is tiny. Car insurance companies would be in a win win situation. Loads of cash coming in and a tiny amount going out on claims, lovely! I genuinely don’t have a problem with having to have car insurance on private land if the vehicle is been driven even on the moon for that matter. What about the classic car lover who’s been working on his pride and joy for the last 6 months. The motor’s parked in his garage and still probably requires a further 12 months before he lets it out for the world to see. Yes the car drives and is fully functional but not in a million years his he going to be seen in it on the road until it’s restored to how it was 50 years ago. Please can somebody clarify in plain English terminology why this classic needs car insurance? Doesn’t it make you feel like screaming!

Most people have borrowed there friends or a relatives car for the day or perhaps a few hours while theirs is been serviced or the MOT is due. Just like they have probably borrowed yours for the same reasons, we all do from time to time. As long as both parties have insurance then we are entitled to do this right? This is not necessarily true today as many car insurers do not permit it unless you are named as one of the drivers in the policy for that vehicle. More and more people are been prosecuted after been stopped by the police for driving a vehicle that they are not insured to do so. There is no intent here they legitimately thought they were actually covered to drive a friends car, after all both had full insurance. The majority of cases where this happens, the courts are usually somewhat more lenient but nevertheless a fine is usually issued as it is seen as your responsibility to know and understand your car insurance policy. There also must be police officer’s that except a genuine mistake has been made but by law they cannot allow you to continue on your journey, simply because you are driving without insurance.