Sex Role In Car Insurance Benefits Lady Drivers

Some people might pay attention to several car insurance companies or some car insurance policy that lady drivers get lower premium than their male counterparts even if all factors are the same. Is this true? Has sex affected car insurance rate? Is there any sex discrimination here?

For some, if not most, companies this condition is true. Woman drivers do get lower car insurance premium than male drivers. But there is nothing about sex discrimination here. It´s just logical and statistical consideration.

What logical consideration, you ask? Do woman drivers have less accident than male drivers? Do woman drivers have fewer claims than male drivers? No, that´s not the case. For average, woman drivers have the same number of accidents and claims. So, why woman drivers might get lower car insurance rate?

This is mostly because woman drivers drive slower and less aggressive than their male counterparts. That means if they do have accidents, it´s not a severe case. If they do claim, their claim is smaller. As you can see, if you are running a car insurance company this is what you want.

Of course some woman drivers drive as fast as and as aggressive as their male counterparts. However, in most cases woman drivers do drive slower and less aggressive.

Some car insurance companies target woman drivers specifically. It can be said that they only want woman drivers and not male drivers. By doing this, the car insurance companies and most woman drivers will gain mutual benefits. Smaller claim means more profits for car insurance companies. This in turn means the car insurance company can give smaller rate for woman drivers. Both parties win.

So, for women out there, you will have more option to shop for car insurance later on when you want to renew your car insurance or you need new car insurance for your new car. You can also get lower discount if you keep your driving record clean and other ways to convince your car insurance company that you are a safe investment. Don´t forget this when you shop.

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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Car Insurance for Teen Drivers

It is not uncommon to find teen drivers nowadays. Most of the time, whether showing off or not, they are also the ones who drive expensive cars. Another question may come up regarding this matter. Is it financially wise to purchase a car insurance policy for teen drivers?

This car insurance related question can be answered easily if you look at how car insurance rate is determined. Mostly, car insurance rate is based on three things: age, driving experience, and driving record. Thus, it is wise for teen drivers to purchase car insurance policy through their parent´s name. Purchasing with their names is possible; however, the car insurance rate will be quite high. This is of course, an unnecessary thing to do.

After gaining enough clean driving record, the car insurance policy can be issued on their own names. Most companies consider 3 (three) years of clean driving record as good driving record. Before that, teen drivers should use their parent´s name in order to get affordable car insurance rate.

After obtaining good driving record, young drivers can get several discounts from car insurance companies. The discounts may differ from company to company. However, most car insurance companies provides at least 3 (three) discounts for young driver. Driver training education discount will be given for those completing driving training course. Good grade discount is given for students who achieve 3.0 GPA or above. Resident student discount is given to those who live over 100 miles away from their parents.

There is one last thing to remember when shopping for car insurance. Car type. Teen driver combined with expensive car can results in incredibly high car insurance rate. High performance car or sport car is something teen driver should avoid when trying to get better car insurance rate. Sometimes this type of car may not even qualify for standard car insurance. Teen driver with no driving record, sport car, and special car insurance, a complete combination to high car insurance rate.

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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Car Insurance on Rental Cars

There are times when you want to rent a car. If you are on vacation, business appointment, or when your car is being repaired, you will need to rent a car. You may need it for a short time only or even longer time. No matter what the situation is you will be faced with a decision whether to take the car insurance at the car rental agency or not. If you take the car insurance you are afraid that you have to pay the unnecessary car insurance policy. If you do not take the car insurance you are faced with a greater financial lost if something happens.

To make matter worst, most of the time, you have to pay a very high rate for the rental car insurance fee because you will pay unnecessary coverage. This is mostly caused by the unknowledgeable car rental agency.

How to prevent this unnecessary rental car insurance fee?

What you need to do is spend some time to analyze what kind car insurance you already have. Most of the time, your car insurance policy is more than enough to cover your rental car if there is something happens. It may varies from policy to policy and from company to company but the same coverage may apply to the car insurance policy’s name, you. What this means to you is you do not need to apply new car insurance for you rented car. Your current car insurance will cover things up for you.

Of course you need to check out with your current car insurance company about this kind of coverage. You don’t want to reject the rental car insurance without having the coverage from your current car insurance, do you?

It’s not a bad idea to have rental car coverage if your current car insurance doesn’t cover this kind of situation. Even if your current car insurance policy doesn’t cover your rented car, you do not necessarily always take the car insurance from the car rental agency. There are some companies that have special customized policy for rental cars. Just shop around to get the best price for the coverage.

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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Car Insurance Claim

Choosing the correct car insurance may be quite devastating for some people. Claiming the car insurance is another “hard work” you have to deal with. Unfamiliar language and less knowledge confuse some people whether their condition eligible for a car insurance claim or not.

If you are confused about the terms, just contact a reputable lawyer. Don$acute;t worry about the car insurance company if you approach them with your lawyer. Car insurance company will always have a lawyer beside them. Below are several information for you to get started.

Of course the nature period of your injury may play a big part on how big the car insurance compensation you will get. If you suffer severe injury you may get bigger compensation. If you stay for days in hospital, you may get quite a handsome compensation.

If you are suffering serious injury like fractured bones or losing part of body, you are qualified to claim higher compensation. In some cases you may even claim full compensation from car insurance company.

If because of your injury you become unable to work anymore, you may get lifetime compensation in terms of handicapped claim. This may also affect your beneficiary where he / she may get the compensation.

There are several cases where there should be an investigation before hand to decide who is at fault before car insurance company release the claim. There could be possibility that if you are a victim, your car insurance company does not have to pay, you will get the compensation from the other party car insurance. If this is the case you may need an accident lawyer to investigate who$acute;s at fault and his / her car insurance company will pay for your treatment.

Whatever you do, just remember that almost each case is different. A good lawyer will be very helpful for you and deserve the money. A good lawyer can help you out in filling the claim to get the claim handled faster and accordingly. One more thing about lawyer, choose good and reputable lawyer if you are making claim. Fraudulent lawyer may take advantage from your unlucky condition.

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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Car Insurance Underinsured and Uninsured Coverage

You may or may not have heard abut underinsured coverage and uninsured coverage in car insurance policy. Do you know what it means?

Many people who have been seriously hurt in a car accident were struck by drivers who
don´t have enough coverage on the car insurance policy or even don´t have car insurance at all.

If the driver only has small car insurance coverage, the victim will only get that small coverage no matter how big his / her own car insurance coverage or how serious the injury is. If the driver has no car insurance at all, the victim will not get any coverage at all. There is nothing more devastating than being in this condition, isn´t there? Both of the case will happen if the victim doesn´t have the underinsured and uninsured coverage in his / her own car insurance policy.

So, the underinsured coverage will cover you to the maximum of your car insurance liability if other driver who struck you has lower car insurance liability than you need for the treatment. The uninsured coverage will cover you when the other driver doesn´t have car insurance at all or if the identity of the other car is unknown, e.g. stolen.

This underinsured coverage and uninsured coverage can be added to almost all car insurance policies. Best of all, they are not expensive. If so, why doesn´t everybody have them?

Sadly, it is because they buy directly from car insurance company in order to get cheaper price, not from a car insurance broker or agent. If you buy directly from the company, you don´t have sufficient advice that matches your condition. Even though it´s not always the case, most of the time, this is the problem with car insurance policy with no underinsured and uninsured coverage. You just buy car insurance, not the advice all along.

Bottom line? Directly check you car insurance policy. If you don´t have the underinsured coverage and uninsured coverage, renew or make changes your car insurance policy directly. Ask the car insurance company if the company doesn´t mention them.

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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Classic Car Insurance

When shopping for car insurance you may notice that some companies provides special car insurance for classic cars. Classic car insurance is a little bit different than expensive car insurance. The biggest different between two, is the collectorship value of classic car. This collectorship value will also be taken into account when the car insurance policy is made. That´s why this classic car insurance is designed specially to meet classic car owner´s need.

What´s so different about classic car insurance?

Classic car insurance has flexible variable rates. Rates like how far and how often the classic car is driven in a year. This kind of car insurance is more beneficial to classic car owners because they will get the best coverage that they need. They can arrange their how far or how long they drive their car to meet the condition of the policy.

You will agree that normal car owners drive their cars differently from classic car owners. If you have a 1950 Ford, you will drive with extra careful than 2000 ford. Although some classic car owner may drive everywhere with their classic car, some others only drive their classic car if there is an auto show or parade. Other than that the car will be in the garage. Most classic car owner only drives less than 1,000 miles per year. They also extremely concerned about the potential wear and tear of the car. This kind of treatment can´t be fulfilled by ordinary car insurance. That´s why special classic car insurance is needed.

Most, if not all, classic car owner doesn´t trust ordinary mechanic to check the classic car. Only selected people, or even personal mechanics, are trusted to repair the classic car even it is only a small scratch. If you have the heart of the collector, you will understand this kind of action. Ordinary car insurance agent will not understand the situation. Thus, again, the need of special insurance for classic car comes up.

With the flexible usage rate classic car owner who drives the classic car everywhere will have different car insurance policy and rate than those who park the car in the garage. Classic car owner will know this before hand and will still feel safe about the coverage if something happens.

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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Car Insurance on Expensive Cars

Do you have one of the expensive cars like Mercedes, BMW, Bentley, Rolls-Royce, Porsche, Ferrari, etc? Do you proud of it? Want to protect it? Want to have car insurance?

If you own expensive car and you try to get car insurance, you may be depressed. When you want to do a claim, you will only get “book” value which is a lot smaller than the amount you hope. This problem will not be solved even if you have full-coverage car insurance. Yes, the car insurance company will cover all bases, but the value of the coverage is still based on book value.

What is car insurance book value?

The book value means you will get a replacement based on current price of the parts minus depreciation (how long or how far you have used the car). A new expensive car can lose until $10,000 in depreciation value when it is driven out from the showroom.

To make matter worst, you may not get an OEM parts for your expensive car. Without OEM parts, your car value will be decreased in quite a big number. This OEM parts problem can be solved easily by negotiating it. Just make sure that the term is written clearly inside the car insurance policy.

Let´s get back to solve the book value of your car insurance.

The only satisfying solution about this matter is to search a car insurance company that provides another way to value your car. Currently there are some companies that offer an absolute value for the coverage system or something similar.

Absolute value of your car insurance coverage means that you will get coverage based on the amount agreed between you and the car insurance company that is written clearly in the policy. You can forget about the book value. Decide the amount of your coverage and if something happens, that is the amount you will get.

Some companies will have a slightly different coverage system. You will get full coverage based on the purchase price until your car is driven certain miles or certain months.

Now back to your expensive car´s insurance.

What coverage system you choose is up to you. However, based on the definition, it is clear that you want to have absolute value coverage car insurance. That way you will get the best coverage for your money. So, next time when you search a new car insurance or renew your old one, ask for absolute value coverage for your expensive car.
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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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Have no Car Insurance in UK? Think Again!

This is a short notice for people in UK and information for US people.

Are you having a vacation in UK? Are you living in UK? If you are, you may already know that if you do not have car insurance, you risk yourself in losing your car. UK government has applied a law that every car in the road must have car insurance.

This law should prevent thousands of accidents from reckless drivers who don´t like to have car insurance.

If you are cough driving a car without car insurance, you will be stopped, and told to hand over your key in the middle of the road. You then have 14 days to get a car insurance to claim your car back. If you do claim, you have to pay the “secure parking” area to the police. This fee can accumulate until £315.

If you do not claim your car back within 14 days, your car will be crushed and melted. Just say goodbye to your car.

Living in UK without car insurance? Think again, my friend.

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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Car Insurance Agent or Not?

Choosing the best car insurance company is very troublesome. You have to consider lots of things from paper works, rates, claims, agents, to company´s reliability. To make matter worst there are lots of car insurance companies out there. We have at least one car insurance company in every sub-urban.

One of the main things to consider when choosing a car insurance company is the car insurance agent. Some company has car insurance agents as the main sales force. Some car insurance company erases all agents and do phone or internet marketing.

By erasing agents, they claim that they can lower your overall car insurance. Is this true? Most of the case it´s true. So, should you choose a company that doesn´t employ agents? Not really. Here´s why.

Car insurance agents are used to become a medium between you and the car insurance company. The agents should become your personal car insurance advisor. He or she should understand about you clearly to give you the recommendation on the best car insurance for you that is available from the company.

If you know the car insurance agent by person, you should use his / her service. It´s a good investment to pay for. You can get the best advice and best car insurance for you. Don´t worry about the commission. It maybe one of your best investment in your car insurance history.

If you choose the non-agent car insurance company, you will have to do massive information digging before you can get your best choice. Indeed you get lower car insurance rate. However, some people just don´t like the hassle of doing the research or doesn´t have the time to do it when it comes to car insurance.

So, the choice is back to you. Get a non-agent car insurance company after doing your own extensive research. Or, rely on your friend as the car insurance agent to get you the best car insurance available.

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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About Us

Targeting on ordinary and non professional people, http://CarInsuranceCenter.blogspot.com strives to deliver the best car insurance advices and information on plain English. Each articles and information will be written using daily English vocabulary in order to avoid confusion caused by special jargons in the car insurance world. The aim of CarInsuranceCenter is to educate visitors and members about car insurance world. Resulting in informed and educated buyers.

CarInsuranceCenter is one of the blogs that is maintained by Archangel Group. This website is built on Blog technology to enables syndication by several parties that rely on CarInsuranceCenter information. To take the syndication process one step further, an email reminder system is also available. Thus visitors can choose to syndicate our contents through RSS feed or email reminder.

Besides providing useful information, CarInsuranceCenter also partners with several mortgage companies to provide visitors of carInsuranceCenter a recommendation on some car insurance products or services that can be found on the market.

People who choose to be informed about new contents from our email reminder system will also be automatically included as a special VIP member. These members will benefit from special offers from CarInsuranceCenter partner companies.

Maintained weekly, new advices and information will be freshly available at CarInsuranceCenter.

Information about press release and other public relation queries can be delivered via email: blog_gallery (et) yahoo (dot) co (dot) uk with the subject “[CarInsuranceCenter Inquiry]”. Do not forget to replace the dot and the word et with @ symbol.

Choosing Your Best Car Insurance Rate

People like to shop around. It´s our human nature. The case is also the same with car insurance. The best and cheapest car insurance is every car owner´s dream. The problem is, how to cherry pick car insurance. There are so many choices out there. Hopefully after reading this guide you will understand the general idea of choosing the best car insurance for you.

What you need to realize is that the car insurance industry is just another insurance industry. The higher the risk of the vehicle according to the car insurance company, the higher the amount you should pay. It´s quite simple though. It doesn´t need a rocket science to know about it. So, without wasting any of your precious time, below are some criteria that you should pay attention to before shopping around.

Cars with high stolen rate

Whether you realize it or not, most of car insurance companies maintain a list of “troubled” cars. Maybe the security of the car is not enough. Maybe it´s just a coincidence that a specific type of car is mostly stolen. Whatever the case, if you have this type of car, you may pay more money.

Cars with lots of safety devices

Safety devices of a car also play a major role on determining the car insurance rate. Don´t forget that the quality of the safety devices also plays a role in determining the car insurance rate.

Driving record

If you think car insurance company determines the car insurance rate only from the car, you are wrong. Your driving record plays a major role in determining whether you will get cheap car insurance rate or not. If you have bad driving record, for example enjoying driving with a high speed, the car insurance rate will be higher.

Multi-car discount

Like any other legitimate company, if you buy several products from one car insurance company, you may get a discount. If you really like your current car insurance company and you have more than one car, just register them all in one car insurance company. That way, you may get a discount. Hopefully a deep one!

Retirement discount, driver´s training discount, & good student discount

Most car insurance companies give discounts here and there. Discount for senior adult or training driver is available. Some car insurance also gives discount for student with good grades. Mostly, a GPA with 3.0 is enough to get this kind of discount.

Bottom line…

The smaller the risk the car insurance company has to cover, the smaller your car insurance rate will be. If you can convince the car insurance company that everything are safe by bringing proofs, more often than not, you will get a low cost car insurance.

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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** Attn Ezine editors / Site owners **
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