Tuesday, December 7, 2010

Make Sure You Renew Your Van Insurance Properly

Remember when you last trawled through insurer after insurer, trying to find the best insurance deal? When your policy is up for renewal, the thought of having to go through all that hassle can compel many people to simply accept whatever renewal quote is sent from their existing insurer. If you are on the lookout for the best deal, however, there are other options to follow.

If you want to ascertain the best deals for your van insurance renewal you need to shop around for it. Only by searching using your own set of criteria can you ensure that you are going to find relevant and cheap van insurance. Custom criterion will include information such as the level of cover required, the van's make and model, and any no claims discounts accrued.

Searching for the right insurance provider can be a tiresome affair. Not only do you have to face the idea of having to discover what insurers there are and what they offer, you also have to speak to each individually. Whether you do it by visiting each distinct insurer branch or calling each one - it soon becomes a tedious routine. This is why you should consider searching online to save both time and effort.

Let's assume you to decide to utilise the internet to help you with your search for insurance. Keep in mind that even this can soon become complicated and time-consuming if not carried out effectively. If you want the fastest and easiest technique to get van insurance quotes, it is not to just randomly search on Google or other search engines - instead use a comparison website.

To save an immense amount of time you can make use of specialist comparison websites. Simply find a site that lets you compare insurance, enter your personal preferences and any relevant vehicle information once and you can instantly get results. You can easily compare quotes, the features offered and more, allowing you to not only save time, but money too. Comparing insurance online to find cheap quotes without compromising on your cover.

Sunday, December 5, 2010

Family Auto Insurance Plans

Insurance companies love to insure many people at the same time. Getting the business of a whole family can be a financial win for them. Therefore, most auto insurance providers will provide customers with discounted policies, also known as "family plans." Typically insurance companies require the drivers on this type of policy to live in the same residence in order to qualify. Often times insurance companies will make exceptions while children are still in school. Individual companies may expand or limit the people allowed to be on a family plan policy, however the most common family plans will cover:
  • Parents
  • In-laws
  • Aunts
  • Uncles
  • Children
  • Step-children
  • Other family members
There will be one main policy holder. Typically the person paying the bills. They will be allowed to alter who is listed on the policy. Just like in individual plans, the cost of an auto insurance plan will be determined by examining that the following of each driver.
  • Type of Car
  • Deductible
  • Coverage
  • Driving record
  • Age of drivers
  • Location of drivers
Companies that offer family auto insurance plans will place different priorities on different factors, therefore the prices of family plans may vary by hundreds of dollars. If a family member drives an extremely expensive vehicle, has a criminal or bad driving record, or can't afford to have a high deducible, the family may want to consider putting them on another policy. It may be less expensive than having it change the price of the family's policy.

Most of the larger insurance providers offer more than just car insurance. If they have life or home insurance, they may give customers savings if they these to their auto insurance policy. Speaking to multiple insurance companies about a family plan may result in a wide variety of quotes. Finding the best deal may take time, but in the long run may save thousands of dollars.

Friday, December 3, 2010

Driver's Education Courses

Each state is allowed to make their own laws regarding driver's education. States like Missouri don't require any courses at all, while others, like Washington, require a great deal of time behind the wheel before they are able to get into that driver's seat alone. Teen driver's education is essential. Young and inexperienced drivers are more susceptible to getting in accidents than any other age groups. Insurance companies recognize that teens can be high risk for financial damage. Therefore young people trying to obtain licenses will have to show that they have had the proper instruction to help them drive safely.

At age 15, a teen in Washington is allowed to apply for a permit. When they obtain the permit, they are allowed to take a Traffic Safety Education course (TSE). Passing this course is required for those applying for a license under the age of 18. The requirements for passing this course include,
  • 30 hours of classroom instruction (Not more than 2/day)
  • 6 hours behind the wheel (Not more than 1/day)
  • 1 hour of observation
  • No alcohol related charges or traffic violations within 6 months of applying for license
  • If 16, the permit must have been held for at least 4 months before applying for a license
  • 50 hours drive time, 10 of which at night, with parent or other license adult in car
Nothing can make up for experience on the road. Even auto insurance companies know this. Therefore insurance rates will probably be more expensive no matter what kind of courses the driver has completed. However, showing that a young person has received thorough instruction of the rules and dangers of the road, insurance providers may be willing to alter their rates.