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	<title>Car Insurance Online Quote</title>
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	<description>This site brings you the best tips on car insurance from all over the web and information to get lower insurance rates and a better deal. </description>
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		<title>A Quick Guide on How to Get Your Car Insurance online Quote Online</title>
		<link>http://www.youronlinecarinsurancequote.com/122/a-quick-guide-on-how-to-get-your-car-insurance-online-quote-online/</link>
		<comments>http://www.youronlinecarinsurancequote.com/122/a-quick-guide-on-how-to-get-your-car-insurance-online-quote-online/#comments</comments>
		<pubDate>Thu, 01 Apr 2010 08:00:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Car Insurance Information]]></category>
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		<description><![CDATA[Now you have turned sixteen you are legally considered old enough to drive a car. But before you can you need car insurance online quote.]]></description>
			<content:encoded><![CDATA[<p>You have just turned sixteen and you are now legally considered old enough to drive a car.  You must have also realized that before you can do so, you must have your car insured.  So, this is your first time to get an car insurance online quote policy.  And this is your quick guide on how to get the most affordable policy.</p>
<p>First, take some time to understand the basics of car insurance.  This will help you in evaluating the various offers and customizing your insurance policy according to your needs and budgetary requirements.</p>
<p>You must understand that there are several types of insurance coverage such as the compulsory, comprehensive, and full insurance coverage.  You must know the importance of each type of coverage to be able to determine what type is best suited for your needs.</p>
<p>Second, you must also realize the standing rule in the insurance world that is the higher the insurance company sees you and your car as a risk, the higher your insurance rate can be.  You must know the factors that affect the rate of your car insurance.</p>
<p>Third, it is highly recommended that you first secure an car insurance quote online quote from different insurance companies before deciding to get your policy.  This does not mean you have to physically go to the insurance companies and talk to them to get your quote, although you can do this as you wish.</p>
<p>You can get your quote conveniently online.  You can visit a comparison site where you can get various car insurance quotes.  From these quotes, you can compare the insurance coverage and the corresponding rates and see which company can give you the best offer.</p>
<p>The key here is to give information and details that will help the companies to give you a good quote.  It is also important that you are consistent with the information and details that you provide.  You can also customize your insurance according to your needs and preferences.</p>
<p>Consider the following when getting and evaluating your car insurance online quote quote:</p>
<ul>
<li>The lowest quote does not necessarily mean the best deal. You should be able to evaluate it along with the insurance cover that you’ll be enjoying with the premium quote.</li>
<li>Your deductible, the amount that you are willing to shoulder in case of a claim, can greatly lower the cost of your insurance.  You must evaluate it in terms of your risks and probability of an insurance claim.</li>
<li>Added safety features can also reduce the rate of your car insurance policy.  Installing them is not only beneficial for your insurance but also for your own safety and precaution.</li>
<li>The internet is where you can find the best rate possible for your car insurance. It is also the most convenient way to look around for the best deal.</li>
<li>Do not ever take for granted the fine prints.  This is where you can get a substantial amount of savings for your car insurance.</li>
</ul>
<p>As a first timer in getting an car insurance quote online coverage, you should thank the Internet for making it easy and simple for you to look for the best deal.  Remember the best deal is one that can combine an extensive cover for your needs at a premium rate that is most reasonable for the coverage.</p>
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		<title>Car Insurance</title>
		<link>http://www.youronlinecarinsurancequote.com/120/car-insurance/</link>
		<comments>http://www.youronlinecarinsurancequote.com/120/car-insurance/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 11:37:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Your Online Car Insurance Quote]]></category>
		<category><![CDATA[Answering Questions]]></category>
		<category><![CDATA[Auto Insurance Companies]]></category>
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		<category><![CDATA[Buying A New Car]]></category>
		<category><![CDATA[Car Information]]></category>
		<category><![CDATA[Car Insurance]]></category>
		<category><![CDATA[Car Insurance Premiums]]></category>
		<category><![CDATA[Coverage Level]]></category>
		<category><![CDATA[Credit Rating]]></category>
		<category><![CDATA[Deductibles]]></category>
		<category><![CDATA[Electronic Signature]]></category>
		<category><![CDATA[Financial Disaster]]></category>
		<category><![CDATA[Free Auto Insurance]]></category>
		<category><![CDATA[Free Auto Insurance Quotes]]></category>
		<category><![CDATA[High Risk Group]]></category>
		<category><![CDATA[Insurance Law]]></category>
		<category><![CDATA[Insurance Laws]]></category>
		<category><![CDATA[Mileage Coverage]]></category>
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		<category><![CDATA[Young Drivers]]></category>

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		<description><![CDATA[









Free Auto Insurance Quotes 


Enter Zip Code Below










Are you insured?
Yes
No







Is your current car insurance about to expire or are you buying a new car? You need insurance fast and you want the best deal! Lets make this quick and easy so you can get back to the things you like to do. 
What if you [...]]]></description>
			<content:encoded><![CDATA[<p><img src=" http://www.youronlinecarinsurancequote.com/wp-content/zipbox/carinsuranceimage2.jpg" alt="car insurance online quote" width="220" height="249" align="left" /></p>
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<td colspan="2" align="center"><span class="style2" style="font-family: Arial, Helvetica, sans-serif; font-size: 16px; font-weight: bold;"><br />
Free Auto Insurance Quotes</span><span class="style2"> </span></td>
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<p><span style="font-size: 12px; font-weight: bold; font-family: Arial, Helvetica, sans-serif;">Are you insured?<br />
<input checked="checked" name="subid2" type="radio" value="Y" />Yes<br />
<input name="subid2" type="radio" value="N" />No<br />
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<p><br clear="all" /><br />
<b style="font-size: large; font-weight: normal;">Is your current car insurance about to expire or are you buying a new car? You need insurance fast and you want the best deal! Lets make this quick and easy so you can get back to the things you like to do. </b></p>
<p>What if you could get better coverage and lower rates for next 6 or 12 months? To find the best deal you need to get some quotes so you can compare prices from different auto insurance companies.</p>
<p>Don’t worry, you only have to answer these questions once and you can get up to 8 different quotes from major companies.</p>
<p><b style="font-size: large; font-weight: normal;">Answering questions</b><br />
If you know the following information it will only take you 2 minutes to answer the questions:</p>
<p><strong>Car Information</strong><br />
* year, make, model,<br />
* expected mileage, coverage level, deductibles</p>
<p><strong>Drivers information</strong><br />
* personal status,credit rating,education,occupation,<br />
* some personal info so they can send you the quotes</p>
<p>If you know this you are ready to get your quotes!</p>
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<td colspan="2" align="center"><span style="color: #000000;"><span class="style2" style="font-family: Arial,Helvetica,sans-serif; font-size: 16px; font-weight: bold;">Free Auto Insurance Quotes</span></span><span class="style2"> </span></td>
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<p><span style="font-size: 12px; font-weight: bold; font-family: Arial, Helvetica, sans-serif;">Are you insured?<br />
<input checked="checked" name="subid2" type="radio" value="Y" />Yes<br />
<input name="subid2" type="radio" value="N" />No<br />
</span></p>
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<p><b style="font-size: large; font-weight: normal;">car insurance explained</b><br />
If you like someone to explain auto insurance to you so you know you choose the right policy from all those quotes you can watch this video that we found for you on youtube:</p>
<p><object width="320" height="265" data="http://www.youtube-nocookie.com/v/mhH7CNHWlqo&amp;hl=nl&amp;fs=1&amp;rel=0&amp;color1=0x006699&amp;color2=0x54abd6" type="application/x-shockwave-flash"><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><param name="src" value="http://www.youtube-nocookie.com/v/mhH7CNHWlqo&amp;hl=nl&amp;fs=1&amp;rel=0&amp;color1=0x006699&amp;color2=0x54abd6" /><param name="allowfullscreen" value="true" /></object></p>
<p><b style="font-size: large; font-weight: normal;"> auto insurance law</b><br />
As you’ve seen in the video every state has different minimum requirements for auto insurance coverage. These minimum requirements are usually way too low and like you’ve seen in the video you can end up in financial disaster if you don’t get it right.</p>
<p><strong>Check Your States Auto Insurance Laws </strong> (<a rel="nofollow" target="_blank" href="http://www.ampminsure.org/auto/states.php" target="_blank">source</a>)</p>
<p><b style="font-size: large; font-weight: normal;">Discounts</b><br />
Most insurance companies offer discounts, some are available to everyone and some are specific for certain groups. Even if you fall into a high risk group like young drivers you can get a discount to save on your car insurance premiums.</p>
<p>These are some of the discounts that could be available to you too:<br />
* Insure more than 1 car on the same policy<br />
* Electronic signature<br />
* Paperless account<br />
* Check the difference if you pay in full instead of a monthly pay plan.</p>
<p>Before you buy the quote you like always ask for other discounts. If you don’t ask they won’t offer.</p>
<p><b style="font-size: large; font-weight: normal;">Lets get some quotes</b><br />
What if you could get a great deal on your car insurance that will help you save money month after month. Would that help you out in these tough times?</p>
<p>Don’t put it off, it will only take a few minutes: <a rel="nofollow" target="_blank" href="http://network.mossaffiliatemarketing.com/z/1126/CD306/&#038;subid3=carins">Get Car Insurance Quotes</a></p>
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		<title>car insurance quote: Does the color of your car impact your rates?</title>
		<link>http://www.youronlinecarinsurancequote.com/114/car-insurance-quote-does-the-color-of-your-car-impact-your-rates/</link>
		<comments>http://www.youronlinecarinsurancequote.com/114/car-insurance-quote-does-the-color-of-your-car-impact-your-rates/#comments</comments>
		<pubDate>Thu, 31 Dec 2009 17:02:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Car Insurance Information]]></category>
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		<category><![CDATA[Purple Car]]></category>
		<category><![CDATA[Red Car]]></category>
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		<description><![CDATA[The color of your car may not affect the tickets you receive, it certainly says something about your personality! But does that affect car insurance rates?]]></description>
			<content:encoded><![CDATA[<p>We have all heard this myth before and often in a positive and a negative way. Some people say that a red car is more expensive to insure and other say that because it’s such a bright color you’ll see from miles away it’s cheaper because people will see you better. But who is right and who is wrong and does the color, any color, really have an effect on your insurance rates? This article shows it’s own take on this myth and maybe it will give you some tips before you choose your next car! <span id="more-114"></span></p>
<p><strong>DOES THE COLOR OF YOUR CAR AFFECT THE PRICE OF YOUR POLICY? </strong> </p>
<p>Although no one’s keeping official statistics, some anecdotes and tales help to reinforce the old urban legend about red cars getting more tickets (thus being more expensive to insure). There is no evidence, though, to support that idea. The lack of statistics renders it impossible to say which cars of which colors get more tickets, and both the police and the insurance companies deny any link between red cars and an increase in the amount of accidents and tickets.</p>
<p>In general, respecting the speed limit is always a good idea, no matter the color of the car you drive. If you keep your red car inside those limits, your chances of getting a speeding ticket will be much smaller. In fact, they will probably be the same as those of the guy next to you driving his purple car, if he also respects the laws of traffic.</p>
<p>Though the color of your car may not affect the number of tickets you receive, it certainly says something about your personality. The Canadian Automobile Association looked at the psychology behind the process of choosing the color of a car and, according to their analysis, the red color supposedly signifies you have an enormous “need for speed”. </p>
<p>But does that affect car insurance rates? Does your insurance company take the color of your car in consideration when determining the premium? The answer is definitely no. Some people have suggested that insurance companies do it, but unless your car insurance company asks you, they really have no idea what color your car is. So it really has no effect on your rate.</p>
<p>If the color of the car doesn’t matter, what are the things insurance companies look at when evaluating your car? Factors like model, year, car body type, make, and engine size are taken into consideration. The Highway Loss Data Institute maintains reports on insurance losses for different models of cars. Some insurance companies may use this information to adjust their rates, when they quote your policy. However, things such as your ZIP code and your driving record are a lot more important to your rate than the model of car you are driving. Of course, your rate quote may be higher if you have an expensive car, or lower if it has important safety features, like airbags.</p>
<p>If you keep your red car under the speed limit, stop at red lights, and wait till you have stopped to make your cell phone calls, you will probably keep your rates low, independently of the color of your car. Insurance companies smoothens their agreement, by limiting their rates for the color of your car, and clients feels pretty good with these kind of policies of insurance companies. The agreement of a party with insurance company clearly differentiates the pricing rates for each color of your car. If you want o check for cheap rates, then you must get the color resuming low interest rates, and thus it saves you money. So color is a key factor in getting insurance for your car. Most of clients feels uncomfortable with these kind of policies but in my opinion, its pretty good and helpful for those to chose a different color for their favorite cars. There are certain companies who consider color as significant as your car, but in Europe there are a lot of companies who can give you insurance at same rates, so it’s not actually targeted to all, but the policy varies accordingly with the insurance companies. </p>
<p>Certain factors involved in insuring a car, keeps it a bit difficult for clients to chose, but the narrow way to go through is to read, understand and then sign the agreement.<br />
So, if you want that red car, just go get it, old boy!</p>
<p>Article courtesy of <a rel="nofollow" target="_blank" href="http://www.youronlineautoinsurancequote.com"target="_blank">YourOnlineAutoInsuranceQuote.com</a></p>
<p>WARNING: When you get an car insurance online quote through our links and banners we earn a commission. It&#8217;s up to you if you want to use the links we provided. If you choose to use these links we thank you if you don&#8217;t we hope you&#8217;ll find the right quote for you elsewhere.</p>
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		<title>Teenage car insurance quote: Is driving a car really such a good idea?</title>
		<link>http://www.youronlinecarinsurancequote.com/112/teenage-car-insurance-quote-is-driving-a-car-really-such-a-good-idea/</link>
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		<pubDate>Tue, 29 Dec 2009 16:58:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Car Insurance for Teenagers]]></category>
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		<description><![CDATA[If you can afford a car for your teen doesn’t mean you should buy one. Ask yourself a few questions before handing over the keys of a rolling weapon:]]></description>
			<content:encoded><![CDATA[<p>It is a know fact that car insurance quote  rates for teens are pretty high but there is a reason for this. We read it in the papers every day, another accident involving a teenage driver. We all know how fun it was to when we first drove a car but times have changed and so have cars.<br />
Our first cars took a while to really get up to speed but these new cars have so much power you need experience to be able to drive them as they should be driven. When it’s time for your son or daughter to start driving you need to ask yourself some questions and this article might help you answer them: <span id="more-112"></span></p>
<p><strong>CARS AND TEENS: ARE YOU SURE YOU WANT TO MIX THEM? </strong></p>
<p>If you browse the web in search of a gift for your high school grad, you will find a large number of practical, fun, and memory-inspiring gifts: MP3 players, personalized pens, computers, watches, money for college, maybe even a trip to some exotic weird place. But there’s one gift that beats all the others: the keys to his or her very own car.</p>
<p>There are few things in the whole world that symbolize freedom to a young person more than a car. The ability to go wherever, whenever they want can change a youngster’s way of seeing the world. And the thought of buying a car for a high school teen can be just as sobering.</p>
<p>OK, time for some reality check. Giving your kid a car will bring up a whole new set of travails: gas, maintenance, insurance, and possibly a fender bender or two. Have I mentioned insurance? The cost of an automobile insurance policy tends to be higher, when the driver is young.</p>
<p>Deciding whether or not to equip their kids with their own wheels is a disturbing point for many parents, and with good reason.</p>
<p>Your teen may not yet have an established driving record. In this case, you might want to wait a little longer. Young drivers, specially those less than 21 years old, have accident rates that are abysmal. Especially if they are male.</p>
<p>Being able to afford a car for your teen doesn’t necessarily mean you should go out and do it. You might want to ask yourself a few questions before handing over the keys of a rolling weapon:</p>
<p>   	Does your kid really need a car?</p>
<p>Is your kid a responsible young adult?</p>
<p>Wouldn’t it be better for your kid to earn the car rather than just have it?</p>
<p>Should you buy a used car or a new one?</p>
<p>How necessary is it for your kid to have a car?</p>
<p>Does your kid need the car to get to school, college or work?</p>
<p>Has your kid established a good driving record?</p>
<p>Who will pay for car insurance, gasoline, and maintenance? Is all that affordable?</p>
<p>Is your grad mature enough to deal with issues like alcohol, drugs, or overloading the car? </p>
<p>Does your kid respect curfews and callback times?</p>
<p>Are you comfortable with all that?</p>
<p>Buying a car for a son or daughter is a defining moment for a parent. Perhaps nothing in the whole life will require a parent’s ability to judge their child’s maturity more than buying him or her car. Eventually, your children will be driving around the world in one of those, regardless of who has purchased it. So what to do? You can only try to make sure that the transition is easy on them. And on the rest of the world, of course, just give a keen touch to check whether it suites to have a car for your children or not. If it is then I guess go for it, as it will give a mental satisfaction to your child.</p>
<p>Article courtesy of <a rel="nofollow" target="_blank" href="http://www.youronlineautoinsurancequote.com"target="_blank">YourOnlineAutoInsuranceQuote.com</a></p>
<p>WARNING: When you get an car insurance online quote through our links and banners we earn a commission. It&#8217;s up to you if you want to use the links we provided. If you choose to use these links we thank you if you don&#8217;t we hope you&#8217;ll find the right quote for you elsewhere.</p>
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		<title>car insurance quotes: driver distraction, a main cause of accidents</title>
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		<pubDate>Sun, 27 Dec 2009 16:56:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<guid isPermaLink="false">http://www.youronlinecarinsurancequote.com/?p=110</guid>
		<description><![CDATA[Statistics show that driver distraction is one of the main causes of accidents so put down your cell phone, stop digging for a CD or browsing a play list!]]></description>
			<content:encoded><![CDATA[<p>We are all guilty of being distracted when we get behind the wheel of our car. Driving has become such a basic skill that most people think they can multi task when driving a car and don’t even think about the dangers when not giving driving your undivided attention.<br />
Especially on the well known routes where we drive every day we feel almost invincible. And this is what is causing so many accidents. Just remember you’re not the only one driving and how silly some new laws may seem they do keep people safe. This article will show you some examples: <span id="more-110"></span></p>
<p><strong>DISTRACTIONS</strong></p>
<p>If you’re heading to a grocery store a couple blocks away, you’d better buckle up and put down your cell phone. Statistics show that driver distraction is one of the main causes of accidents among drivers 18 to 34 years old. In fact, in 2007, 80 percent of the crashes and 65 percent of the near-crashes involved some kind of driver distraction. </p>
<p>In the same year, 77 percent of the drivers involved in an accident were less than 15 miles from home, and more than half of these drivers were less than five miles away from their houses. High-accident intersections are especially dangerous, and most cities have a few. If you live in an accident-prone area, insurance companies will assume your accident risk is higher and charge you accordingly. You can reduce the risk of accident just by avoiding distractions.</p>
<p>If you’re lost in thought or talking on a cell phone, then you&#8217;re not paying attention to the road. Even if you&#8217;re looking straight ahead, you may not really see what&#8217;s ahead of you. Fatigue can also lead to this type of distraction. If you find yourself spacing out, pull over, get out of the car for a bit, and wait till you regain your focus before driving.</p>
<p>Digging for a CD or browsing a play list is considered distractions. Any task that takes more than a couple seconds to be concluded may cause an accident. Dialing a number or testing on your cell phone is also not good.</p>
<p>If your radio is too loud, you&#8217;re talking on your hands-free cell phone or the DVD player is blaring, than you’re in trouble. Loud, consistent noises inside your car contribute to driver distraction. Turn them off or turn them down. Way down!</p>
<p>If you need to adjust your seat or your mirrors, do these things before you are in motion. If you try to adjust a side view mirror while driving, that means you&#8217;re not looking at the road ahead of you. It is also a very a good idea to plug in your car charger before you start driving.</p>
<p>Did you notice a pattern with cell phones? That is why so many places banned the use of cell phones during driving. It&#8217;s simply a safety issue. </p>
<p>Six states in the U.S. have banned the use of cell phones while driving: California, Connecticut, D.C., New Jersey, New York, Utah and Washington. In all but Utah and Washington, D.C., drivers can receive tickets for using cell phones. And, in other states, some individual cities have laws against it. </p>
<p>In 18 states and in the U.S. capital, young drivers are banned or restricted from using cell phones: Arkansas, California, Colorado, Connecticut, Delaware, D.C., Georgia, Illinois, Kentucky, Louisiana, Massachusetts, Minnesota, New Jersey, New York, North Carolina, Rhode Island, Tennessee, Texas, and Virginia.</p>
<p>Texting with a cell phone is banned in 13 states and in the U.S. capital: Alaska, Arkansas, Colorado (beginning 12/09), California, Connecticut, D.C., Louisiana, Maryland, Minnesota, New Jersey, Tennessee, Utah, Virginia, and Washington.</p>
<p>Article courtesy of <a rel="nofollow" target="_blank" href="http://www.youronlineautoinsurancequote.com"target="_blank">YourOnlineAutoInsuranceQuote.com</a></p>
<p>WARNING: When you get an car insurance online quote through our links and banners we earn a commission. It&#8217;s up to you if you want to use the links we provided. If you choose to use these links we thank you if you don&#8217;t we hope you&#8217;ll find the right quote for you elsewhere.</p>
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		<title>car insurance quotes: Keep this in mind when buying a new car!</title>
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		<pubDate>Thu, 24 Dec 2009 16:54:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<guid isPermaLink="false">http://www.youronlinecarinsurancequote.com/?p=108</guid>
		<description><![CDATA[Buying a new car can be an exciting experience, but it can also be a complicated one. This article will give you some tips to look out for!]]></description>
			<content:encoded><![CDATA[<p>It all seems so easy you go to a dealer pick out the car you like best buy it either cash or take out a car loan but is it really that easy? Do you need to do your homework before you go just to have a look? We all know what can happen if you don’t and this article will help you in deciding what research you need to do before you even leave your house to go to the car lot. It explains how some innocent looking offers can have a negative impact and how you can keep them from happening in the first place: <span id="more-108"></span></p>
<p><strong>HOW HARD CAN IT BE TO BUY A NEW CAR? </strong></p>
<p>Buying a new car can be an exciting experience, but it can also be a complicated one. There’s a lot of makes models to choose from, and that can be really intimidating. You always want to make sure you are getting the best deal and that you will end up with the car of your dreams.</p>
<p>Then, let’s begin with fuel efficiency. Nowadays, it is a major concern. Manufacturers have taken the high gas prices in consideration, and are producing models that present better mileage. Gas-electric hybrid cars are in high demand, and some insurance companies are offering interesting discounts for this type of vehicle.</p>
<p>Before you close the deal, it is also a good idea to think about your needs. If you have a big family, make sure you are buying the safest vehicles, because they will best suit your clan’s needs. If you do a lot of driving, you will probably want a car that is comfortable to drive, reliable and with a good gas mileage. Think about what you will be using your vehicle for, and buy your car accordingly.</p>
<p>Do some research before you leaving your house? Check newspapers and internet for information on safety and reliability of various models. You might have preference for a particular manufacturer, but do not let that distract you from the facts and figures that determine how good their cars really are.</p>
<p>Take a good look at your current car’s Blue Book value before you go out shopping. You may be surprised to find out that most dealers consider your car to be worth much less, when it comes to trading it in. If you are aware of its true value, you probably will be able to save some money.</p>
<p>More and more vehicles are coming with some fancy technological gadgets, like GPS, satellite radios and more. These trinkets can be very tempting, but they are also quite expensive. Many of these innovations will require monthly fees, so keep that in mind before deciding to buy them. However, having this kind of equipment integrated into your vehicle right from the factory is a lot easier than adding it later.</p>
<p>Never commit with more than you really can afford to pay each month for your car. Always have your family budget in mind, and do not forget that your monthly expenses with your car will also include gas, maintenance and insurance. Stretching your bank account an extra fifty dollars a month for a fancier model may cost you even more, if the gas mileage is worse. A more reliable car could end up saving you money.</p>
<p>Always compare prices when shopping. It is not only the best way to find fair auto insurance rates, but it could save you thousands of dollars on the car itself. Compare car prices at different dealers, online stores (including the manufacturers’ site), and you might be very surprised at the difference.</p>
<p>Consider arranging financing for your car before you visit the store. Talk to your bank manager, or to your credit union. You might be able to get a better interest rate from a different source, or at least have more control over your repayment schedule. In order to do this, you will need to have a very good idea of the car you want and how much it will cost. Bear in mind to include money for any optional items you might wish to include in the vehicle.</p>
<p>Be aware that some sales people will try to sell you cars they are having a hard time to get rid of. If you end up with a better deal, or with a different car, and you feel satisfied with the deal, then good. But don&#8217;t ever buy a vehicle you know you do not want. If you want a SUV, don&#8217;t be talked into buying a sports car.</p>
<p>When going for a test drive, some dealers might ask to get a photocopy of your license before you go. Please do not do this. Instead, hang on to your license and request that one of their staff accompany you on the test drive. Some dealers might run a credit report on you while you are gone, and use the information on your license to negatively impact your credit score.</p>
<p>Finally, if you don&#8217;t like the way you&#8217;re being treated, or if you have any doubts about the salesperson or dealership, just leave. Sooner or later, you’ll find the dealer that&#8217;s right for you. And soon after that, you&#8217;ll be driving a car that&#8217;s right for you.</p>
<p>Article courtesy of <a rel="nofollow" target="_blank" href="http://www.youronlineautoinsurancequote.com"target="_blank">YourOnlineAutoInsuranceQuote.com</a></p>
<p>WARNING: When you get an car insurance online quote through our links and banners we earn a commission. It&#8217;s up to you if you want to use the links we provided. If you choose to use these links we thank you if you don&#8217;t we hope you&#8217;ll find the right quote for you elsewhere.</p>
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		<title>car insurance quotes, Does this really change my rates?</title>
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		<pubDate>Wed, 23 Dec 2009 16:53:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<guid isPermaLink="false">http://www.youronlinecarinsurancequote.com/?p=106</guid>
		<description><![CDATA[Big events can have a great impact on our lives. But these changes could also influence your auto insurance rate. Make sure you check after a big event!]]></description>
			<content:encoded><![CDATA[<p>Maybe you know this and maybe you don’t but a change in your life could have a bigger affect then you realize at first glance. As we all know insurance companies base their risk assessments on statistics and if you move into another group because you just got married or divorced it can impact your insurance rates in a positive or negative way. This article will explain more but always make sure you check with your insurance company when you’re life changes drastically. <span id="more-106"></span></p>
<p><strong>SOME EVENTS IN YOUR LIFE MAY AFFECT YOUR POLICY! </strong></p>
<p>Marriage, divorce, becoming a widow, or just getting old; all these events can have a great impact on our lives. But these changes could also influence your auto insurance rate. Any of these things could just make you want to reevaluate your auto insurance policy.</p>
<p>Getting married is the most exciting time in one’s life. It’s a fresh start, the merging of two souls and the chance to receive a good discount on your car insurance. At least when it comes to insurance, marriage can actually save you money!</p>
<p>Some auto insurance companies offer discounts for multiple cars. So, by having all your automobiles under one single policy, you can save money by cutting down on multiple policies you may have. During this time, you may also want to look around and compare the quotes of other companies. This will allow you to find the best rate and coverage for you and your spouse.</p>
<p>Being recently divorced or widowed is a very upsetting time in one’s life. Unfortunately, it is also the time to reevaluate your car insurance coverage. Depending on the situation, you may have become the only driver in your household, which means your rate will most certainly go up. It may even go up higher than you can afford.</p>
<p>But there are a few things you can try to keep your costs down. For starters, look around. Your current insurance agent may have offered you the best of rates when you were married, but it doesn’t mean he will be able to do it now that you are single. And don’t forget to take a good look at your policy. What you once needed when married may no longer apply now that you’re single again.</p>
<p>Retirement is the perfect time to travel, to spend time with your loved ones and to review your auto insurance coverage. Since you no longer need to drive to work every day, your annual mileage will drastically drop, which can mean a nice decrease in your rate. And you may also discover that you don’t need multiple cars anymore. One car suits you just fine. Keeping only one car will not only help you save on gas, but you will also reduce your car insurance rate.</p>
<p>With the reduction in your income, your budget might also become tighter. If this is the case, you might want to consider raising your deductible or eliminating your comprehensive and collision coverage. These changes could make a considerable difference in your auto insurance rate. Decide a better plane for your future, so you may never get in trouble of financial issues, the better you plane the better you serve, so plane accordingly and live a happy life, full of joys even after retirement.</p>
<p>And always remember it never hurts to look around for better deals. No matter what change you may be going through in your life, it never hurts to compare prices. Life changes but try to keep your planes.<br />
Article courtesy of <a rel="nofollow" target="_blank" href="http://www.youronlineautoinsurancequote.com"target="_blank">YourOnlineAutoInsuranceQuote.com</a></p>
<p>WARNING: When you get an car insurance online quote through our links and banners we earn a commission. It&#8217;s up to you if you want to use the links we provided. If you choose to use these links we thank you if you don&#8217;t we hope you&#8217;ll find the right quote for you elsewhere.</p>
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		<title>car insurance quote for teenagers, can it really be affordable?</title>
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		<pubDate>Mon, 21 Dec 2009 16:50:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Car Insurance for Teenagers]]></category>
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		<description><![CDATA[adding a teen to your insurance policy is like putting an elephant into a porcelain store: it'll probably cause an accident, and the bill will be expensive. ]]></description>
			<content:encoded><![CDATA[<p>We all know car insurance quote gets expensive when you need to insure a teenager but thankfully we don’t have to settle for the high rates anymore. With some effort on your and your teens part you can eventually get the rates down and keep them down for years to come. This article explains some options on how you can impact your car insurance quotes insurance rates. Some tips can save you money instantly and some will take a bit longer but you can get your rates down if you use them! <span id="more-104"></span></p>
<p><strong>HOW TO GET A GOOD AUTO INSURANCE FOR A TEENAGE DRIVER</strong></p>
<p>If you have a teenager who drives or one who will soon be driving, then you probably know that adding a teen to your insurance policy is sort of like putting an elephant into a porcelain store: it&#8217;ll probably cause an accident, and the bill will be expensive. </p>
<p>Now you have a teenager eager to get behind the wheel, and it will probably cost more than you can afford. But there are still a few things you can do to bring your rate down.</p>
<p>If your kid has good grades, try a &#8220;good student&#8221; discount. It could take 10 to 15% off the price of your car insurance policy. Some parents pay their children to keep a B average or better. With this discount, your kid will be paying you back.</p>
<p>Give your kid a used car. Even though those zany safety features can get you a good discount, it costs more to insure a new car. Find a safe, good used car and save both on car payments and insurance.</p>
<p>Don’t leave all the in-car training to the driving school. There are some things you learned that may actually save your kid’s life out there on the road. The more time you spend in the car teaching your kid how to drive, the better.</p>
<p>Always set a curfew. Part of raising a child is teaching them responsibility, so you should impose limits. Even if your city doesn&#8217;t have a curfew for teen drivers, you should establish one. Teenage driving deaths rise dramatically from 9 PM to 6 AM. And if you remember your own youth, you&#8217;ll also remember that there&#8217;s no good reason for teens to be out after 9 or 10 PM.</p>
<p>Don&#8217;t let your kid pack the car with friends and other distractions. The most common cause of accidents with teen drivers is distraction. It could be from a car full of friends or from a cell phone that&#8217;s blowing up. Things get even worse with loud music, testing and taking pictures.</p>
<p>Be strict. Don’t let your kid speed or drink. And always tell your kid to wear the seatbelt. If your child gets a ticket, restrict access to the car. If something serious happens, take away your kid’s driving privileges.</p>
<p>Don’t lower your deductible. A low deductible means your insurance company will pay you more if there&#8217;s an accident, but if you raise it, you will knock a lot off your premium. Dropping collision coverage on your teen&#8217;s car will also save you some money. Just remember that in both cases you&#8217;ll have to pay more for repairs, so calculate your savings before going ahead with it.</p>
<p>Don’t put your kid inside a small, old deathtrap of a car. If you don’t put your kid in a safe car, you won&#8217;t qualify for safety discounts.</p>
<p>And always look around for better options. If you have to move to another insurance company to save, don’t hesitate, Do it.<br />
Article courtesy of <a rel="nofollow" target="_blank" href="http://www.youronlineautoinsurancequote.com"target="_blank">YourOnlineAutoInsuranceQuote.com</a></p>
<p>WARNING: When you get an car insurance online quote through our links and banners we earn a commission. It&#8217;s up to you if you want to use the links we provided. If you choose to use these links we thank you if you don&#8217;t we hope you&#8217;ll find the right quote for you elsewhere.</p>
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		<title>car insurance quote, how can we save on our policy?</title>
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		<pubDate>Sat, 19 Dec 2009 16:48:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Information might actually save you some money as far as auto insurance is concerned, it could be any of these 8 little things:]]></description>
			<content:encoded><![CDATA[<p>In these current times we should all check if we are overpaying for services and your car insurance quotes is one of the first things you should check as this could potentially save you money on a yearly basis and it’s easy and fast to do. If it turns out you already have the best coverage for the lowest price it’s one less thing to worry about and you could find potential savings elsewhere. This article will give you some great tips on how to save on your car insurance quote policy! <span id="more-102"></span></p>
<p><strong>WANNA SAVE ON YOUR POLICY? FOLLOW THESE TIPS! </strong></p>
<p>If you think you’re paying too much on your policy, it’s probably because there&#8217;s something your car insurance agent isn&#8217;t telling you. And that information might actually save you some money. As far as auto insurance is concerned, it could be any of these 8 little things:</p>
<p><strong>1. Got an older car? Drop the collision coverage. </strong><br />
If you have a car that&#8217;s 7 or 8 years old, and if it is worth less than $2,500, it’s about time you start thinking about taking the risk and dropping collision premiums from your policy. Why? Chances are your deductible is almost on the same value of your car, and any major collision will send you to a car dealer.</p>
<p><strong>2. Buy your home and auto insurance with different companies. </strong><br />
With everything being bundled today, you&#8217;d think having your home and auto insurances bundled at the same company would save you some money. But if you do your research, you may discover that having separate policies can be worth it. Good rates abound for both types of insurance, but it&#8217;s quite rare to find the lowest rate for both from the same insurance company. So, unless you buy an umbrella policy, there&#8217;s no strong reason to keep your policies together. Especially if you can save.</p>
<p><strong>3. Minimum liability coverage? That’s not enough for me. </strong><br />
You may tell your agent that you can only afford the minimum car insurance required by law. And your agent may be more than happy to provide you with what you asked for. What he may neglect to tell you is that in some places these limits are ridiculously low. And those minimums won&#8217;t be covering the costs of a serious accident. Which means you could be paying a lot more than you bargained for, if you&#8217;re at fault.</p>
<p><strong>4. Look around for lower rates. </strong><br />
Do you really think your insurance agent will tell you to shop around for the best deal? Think again! Even independent agents only represent a few companies, so how can you know if they’re being fair to you? Comparing services online from different companies will allow you to fine-tune the deductibles and coverage you want, and then compare the rates side-by-side. </p>
<p><strong>5. Go green; keep green</strong><br />
Nowadays, even the auto insurance companies went green. They offer discounts that will trim a bit off your premium, if they know you’ve gone green too. Look for discounts for driving a hybrid, for opting for paperless statements or electronic payment plans. Even signing your policy with an e-signature can save you a few bucks. Basically, the less the company spends on paper, the more they&#8217;ll pass those savings on to you.</p>
<p><strong>6. Consider paying that claim yourself</strong><br />
Naturally, you don&#8217;t really want to hear that. But if you&#8217;ve crashed into the garage, think twice before asking your company to repair it. There’s also the possibility that your rates will go up at the time of renewal. Also, the next time you try to shop for a new insurance, some insurance companies will use an insurance history report to see if you&#8217;ve made any claims, and how much money was paid. Although accidents can only affect your rates for the following three years, many companies will look back five or more years, before if they want to offer you insurance. Having more claims will definitely affect that result.</p>
<p><strong>7. Your car makes all the difference. Don&#8217;t buy that convertible! </strong><br />
Not all vehicles are created equal. Small or large, old or new, the car you drive will affect the premium you pay. Insurance companies use complicated algorithms to determine how expensive it might be to pay you a claim. That&#8217;ll affect how much your premium will cost. </p>
<p><strong>8. Your kid turned 16? Don&#8217;t add to your policy – yet. </strong><br />
If your teenager has turned 16, but isn&#8217;t a licensed driver, you&#8217;re not required to add them to your insurance policy. You&#8217;re only required to add 16 year older after they become licensed to drive. That also means you don&#8217;t have to insure them if they just have a learning permit. But pay close attention to your policy, because some insurance companies may require it.</p>
<p>Article courtesy of <a rel="nofollow" target="_blank" href="http://www.youronlineautoinsurancequote.com"target="_blank">YourOnlineAutoInsuranceQuote.com</a></p>
<p>WARNING: When you get an car insurance online quote through our links and banners we earn a commission. It&#8217;s up to you if you want to use the links we provided. If you choose to use these links we thank you if you don&#8217;t we hope you&#8217;ll find the right quote for you elsewhere.</p>
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		<title>Did you know you’re driving record affects your car insurance online quote?</title>
		<link>http://www.youronlinecarinsurancequote.com/82/did-you-know-you%e2%80%99re-driving-record-affects-your-car-insurance-online-quote/</link>
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		<pubDate>Fri, 18 Dec 2009 11:32:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[The better you have your driving records, the less you have to pay, and the same applies in reverse so the more points you have, the worse your record will be.]]></description>
			<content:encoded><![CDATA[<p>If you have a bad driving record it will cost you more to insure your vehicle this is true in most countries around the globe. There is no point to lie about it as insurance companies will always find out. The insurance company runs a bigger risk if you have many accidents or break traffic laws on a regular basis because the chance of them having to pay out is high. Getting a great and clean driving record is the way to cheap car insurance online quote rates but if you haven’t got a clean driving record this article might give you some more information and tips on how to improve. <span id="more-82"></span></p>
<p><strong>DID YOU KNOW YOU’RE DRIVING RECORD IMPACTS YOUR INSURANCE RATES?</strong></p>
<p>In most countries of the world (yes, even Brazil), motor vehicles departments have a &#8220;point&#8221; system, which is used to track your driving record. Usually, to each type of infraction is assigned a certain point value. When you are committing of one of these infractions, those points are added to your driving record. The more points you have, the worse your record will be.</p>
<p>Commonly, any auto insurance company has the right to review the driving record of any person who applies for an auto insurance policy. They do it in order to determine whether you meet the insurance company&#8217;s standards of insurability (if you will be issued a policy or not) and to evaluate your risk potential (how much your insurance will probably cost to the company). Each auto insurance company has its own method of evaluation, so the points on your driving record may or may not have an impact on the rates of your car insurance.</p>
<p>Once you get your policy, your insurance company will most certainly have the right to review your driving record at any time. Evidently, few insurance companies have the resources (or the inclination) to run daily checks on the records of every single one of its policyholders, so the frequency of these checks may be quite low. There are, however, certain times when the insurance company will surely be checking your record:</p>
<p>•	When you apply for coverage;<br />
•	When you request some kind of change to your policy;<br />
•	When you add a new vehicle to your policy;<br />
•	When you change the covered vehicle;<br />
•	When your policy comes up for renewal;</p>
<p>If a review of your driving record uncovers negative information, there&#8217;s a good chance your insurance rates will increase. Insurance companies usually have their own &#8220;point&#8221; system to determine the amount of this increase.</p>
<p>Depending upon how many points you’ve accumulated for your violations, the courts may demand that you participate (and conclude) a Defensive Driving Course. These courses are designed to re-instruct you on the effects of distractions, within and outside a car, driver impairments, the effects of inclement weather on vehicle handling, and much more. Upon completing the course, some insurance discounts may be available.</p>
<p>Insurance companies give you better rates if you got a better driving record, ever you felt that, if not then I must suggest that our driving record has a great impact on your insurance. While filling up the form for most of insurance company you get a special place to enter your driving record, may be sometimes you can’t see that, but still they let you to mention about your past driving records. This helps them to get a better idea about you, before approving you for insurance. The better you have your driving records, the less you have to pay, and the same applies in reverse. Insurance companies have keen interest to get as much as info about your driving records. So be careful for your future.<br />
Article courtesy of <a rel="nofollow" target="_blank" href="http://www.youronlineautoinsurancequote.com"target="_blank"> Your Online Auto Insurance Quote</a></p>
<p>WARNING: When you get an car insurance online quote through our links and banners we earn a commission. It&#8217;s up to you if you want to use the links we provided. If you choose to use these links we thank you if you don&#8217;t we hope you&#8217;ll find the right quote for you elsewhere.</p>
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