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Road Trip Survival Guide

A road trip is a timeless adventure in travel. The open road allows us to encounter new and interesting locations not to mention majestic landscapes but there are several details to consider when planning a road trip.

Here are some helpful tips to ensure a successful and memorable experience for drivers and passengers alike.

1. Safety First

It is important to keep up with your vehicle’s scheduled maintenance prior to planning your road trip. Before you leave it is recommended that your vehicle undergo a full preventive maintenance inspection, which includes: checking fluid levels, four wheel tire rotation, brake inspection, and a visual inspection of filters, belts, and hoses.

Checking your vehicles spare tire is also vital. For most vehicles it takes just a few minutes to remove a spare tire and verify the size, tread health, and inflation pressure. Should you need it, you’ll be glad you did.

2. Roadside Emergency Kit

Whether you purchase one or make your own every roadside emergency kit should contain the following basic items: a first aid kit, emergency flare, a fire extinguisher, jack and lug wrench, foam tire sealant, spare fuses, jumper cables, and a flashlight.

Before you leave double check the contents of your emergency kit and replace any missing items. It is also a good idea to replace flashlight batteries and store an extra pack with your emergency kit.

3. Auto Insurance
Every driver should be familiar with his or her car insurance coverage and policy information. Depending on your destination you may even need to add to coverage for the duration of your road trip.

In any case since most car insurance companies also offer roadside assistance programs, travel insurance, and travel planning services, contacting your insurance provider is a great cost-effective way to plan your trip while receiving added peace of mind.

4. Fun For Everyone
Road trips are meant to be enjoyable for everyone. Whether you are going it alone or with travel companions your music play list should enhance the spirit of your adventure.

Invent a few interactive road games that everyone can play to let the good times roll along with you.

5. Off The Grid
Planned stops are as important as the unplanned ones. Allow plenty of time for you and your passengers to enjoy the scenery outside of the car, too.

Spontaneity keeps everyone involved and enthusiastic while giving the driver opportunities to stretch for the long haul.

6. Capture The Moment
Go beyond the camera with a well-placed web cam, video recorder, or daily blog post to chronicle your road trip and stay in touch with those that stayed behind.

Video footage and still photos can be combined easily for a travel montage once you return home.

7.Take A Load Off
Packing lightly will provide room and comfort inside your vehicle and maximize fuel efficiency during the drive.

It is important, however, to know what to bring so before you load your vehicle make a visual checklist of your gear and prioritize items you’ll actually need for the trip.

8. Munchies, Maps, and Mantles
Choose snacks that optimize energy and hydrate. Remember to keep drinking water on hand and plan to reload those supplies during major stops.

GPS systems and mobile phones make road travel more efficient but it is a good idea to know your route ahead of time and keep backup maps in the glove compartment should you lose wireless reception.

One final note, “Dress for the weather but pack in layers.” The main advantage is staying comfortable in any weather but in keeping your cargo light there will also be room for those unexpected purchases along the way.

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[study] Women lie more than Men on Car Insurance Applications

Car insurance applications and the same problem with men and women and their specific relationship to insurance premiums: nothing new so far. Until a study developed by a United Kingdom-based eInsurance Group (which serves almost 280,000 insurance applications a month) has discovered that women lie more than men on car insurance applications to get cheaper car insurance. This conclusion was extracted from the fact that 51% of declined premiums were ones handed in by women.

The study revealed a series of top lies too on car insurance applications, such as those related to convictions (where men lead with 64%), experience in driving and possess a no claims discount (having women as “winners” with 68% for the license length and 53% – for the latter).

“These results show that basing insurance premiums on gender alone is misguided. The insurers should do more to tackle the liars, whoever they are, and reward honest drivers.” said Alan Sanderson, CEO of eInsurance Group.

How you ever lied on a car insurance application?

[Source: Autoblog, Photo]

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Top five safest cars

In a world obsessed with fast cars and adrenaline rushes, safety is often left at the side of the road. But, as we all know, safety on the road is absolutely paramount and, inevitably, car companies have endeavored to manufacture some of the most protective cars ever in recent years, through intensified crash-tests and advancements in technology. After all, safer cars mean cheaper car insurance. We take a look at five of them here:

Hyundai Sonata

The IIHS, as Hyundai proudly proclaim on their website, awarded the Sonata the ‘Top Pick’ award for safety recently. It performed impressively in terms of crumple zones at both the front and rear of the vehicle and has Electronic Stability Control, which applies intelligent braking to individual wheels on corners. This carries over into emergency braking too, since the car detects when the driver brakes hard and applies sufficient pressure to ensure that the stopping distance is kept to a minimum.

Honda Civic

The fact that this compact car has sold so many units is a real testament to its overall safety level and reliability. A significant amount of its appeal likely comes from the fact that it is in the lower band of car insurance groups, but it has great safety features like the anti-lock brakes and full standard airbags – driver, front-side, passenger and side head curtain. Admittedly, the sedan performed better in crash-tests than the coupe did, but the Civic achieved a good overall safety rating for features such as the minimization of potential pedestrian injury by building a more malleable hood and set of windscreen wipers.

Volvo XC60

Volvo is famous for the safety of its cars and the XC60 continues to live up to that reputation. It packs a side-impact protection system, dynamic stability and traction control, and a whiplash protection feature. Moreover, it has a laser-powered City Safety System installed to anticipate accidents at less than 30 km/h, that forewarn drivers of them and prepare the car for braking.

Ford Fiesta

This mini-car passed the IIHS frontal offset crash-test with flying colors, which is no surprise considering that the majority of its body is made from high-strength or ultra-high strength steel. As a result, the survival space for the driver – after a 40mph crash into a wall – was kept in a more than acceptable state. It is also one of the highest-rated vehicles in terms of roof-safety, according to the IIHS. It is popular among youngsters and first-time drivers not only because it’s an affordable mini-car, but also because it keeps the cost of student car insurance at reasonable levels.

Jeep Grand Cherokee

There is always a place for a Jeep on car safety lists. The Grand Cherokee is a sturdy, durable and altogether reliable machine with a ‘Top Safety Pick’ award to its name in 2011. Ranking consistently at the top with the IIHS and the NHTSA, having gained five out of five stars in most categories, it is the ultimate vehicle for on- and off-road safety. A total of 45 safety features, including rain brake support and an enhanced accident response system, keep occupants comfortably protected at all times.

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Japanese Used Car

If you are in the market for a used car I’m sure you’re trying to find the best for your money, to find that deal everyone else has missed. An option to achieve your goal is to look into the many models of Japanese used cars that you can rather easily find on the market. There are many places where you can find such a car, therefore you should keep some in mind and check them all out before making a final decision.

A Japanese used car is usually a used car with an affordable price that can be easily negotiated as long as you your skills are good enough and you aren’t afraid to confront the seller. Also, show interest in any possible discount or offers they can make you. Before the actual purchase you should also check if all the papers are in order because otherwise, once you become the owner you will have to spend extra money in order to solve all the problems. Also, make sure that the price includes all the features presented so you won’t end up with a surprise bill. Car insurance is another aspect you will have to deal with once you set your mind on one of these cars, because the type of car you buy is able influence the price of the premium.

You can find everything from hatchbacks and trucks to SUVs and sedans on the Japanese used car market. The quality is rather impressive and the fuel efficiency is another advantage that convinces one to definitely buy one of these cars. That’s why these cars have become famous all around the globe and are in high demand. There are many car exporters that have decided to specialize in commercializing Japanese used cars and are happy to promote their high speed capabilities, the impressive fuel saving and the quality technologies used that are also cost effective. All these characteristics make Japanese cars one of the sources of cheap models completely equipped.

Japanese Used Car

Japanese Used Car

Another quality of these vehicles that might end up convincing you to buy a used Japanese car is their slightly lower mileage in comparison with other used cars. It was estimated that most of these used car display a mileage of only 35 up to 40 thousand miles. The Japanese used cars are also in great shape because of the excellent road conditions that have been created in Japan. In addition, the drivers can’t drive their cars above the speed limit because the traffic is always crowded and they are interested in respecting all the traffic rules because of the harsh consequences. Because of the crowded cities, the pollution level is also strictly kept under control and therefore there is a need for fuel efficient and green cars that many of us will feel happy to buy as used.

A reliable supplier of Japanese used cars is Inter-Fairline that is in fact the export division of the Fairline Corporation. With more than one decade of experience on the market, this company is able to track down the perfect Japanese used car for any client. You can find the car you are looking for also by participating at Japanese used car auctions. You can do this even online by becoming a member on such an auction site. An example would be the SBTJapan.com website that is one of the most reliable auction sites that has helped thousand of car lovers and delivered their cars at their door steps. The process is simple and as long as you have some bidding experience you should easily find a great deal.

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Buy Car Insurance Online

If you have a car and you care so much for your car and for your budget, it is ideal that you think of insure it for damages and accidents that may appear while you own the car. In present days it is a fashion to buy car insurance online because this is saving you a lot of time and money. The best place for your insurance buying is Online Insurance Marketplace.

This marketplace for car insurances allow the clients to shop and compare prices from all insurance companies with only once click through their sales center. This website is offering the possibility of online shop for your car insurance and the ability of purchasing the policy directly to their website using your credit card through a secured connection. They try to meet your requirements by bringing you quotations from many insurance companies and you can compare and purchase the insurance instantly and all is online. The motto of this marketplace is to buy online, anytime without driving your car.

Car Insurance Online

Car Insurance marketplace founders worked as independent agents for many years and helped clients to find the best rates and more information about insurances. Being independent didn’t hold them from signing more than 110,000 policies annually with a value over $120,000,000 inside their small agencies.  After that, year by year, the mentioned company was formed progressively of their retail agency business. This company is licensed all over USA and offers insurances products on behalf of their clients nationwide. Using online mode of closing a policy, the clients save money because of the comparing feature available, so in this way no client will be tricked anymore by different agents that have big commissions.

In order to buy car insurance online you will save time also because all the process of comparing insurances and writing your own policy online takes less than 20 minutes because of this company experience in car insurances all over USA, in Canada and United Kingdom.  This is very important when you search for a respectable company that works for client satisfaction and the fact that so many peoples trust them means that you can deal with them for the best contracts.

On this marketplace website there are a lot of other features available for client’s needs, for example a car insurance calculator, car coverage definitions, insurance regulations, vehicle regulations, online insurance tips or insurance articles. You just need to create an account and you can add there the preferences from this website and manage them from your own account. If you don’t know how to do the online insurance or how to search some quotes, you can contact them by online form, by post at address QuinStreet Insurance Agency, Inc., P.O. Box 940190, Maitland, Florida 32794-0190, by phone at 1-800-964-4859, by fax or by e-mail.

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Online Car Insurance

Because today almost all the things are made online, car insurances are also made online. The laws allow the car owners to do these insurances using their computer because almost all the insurance brokers have an online store to represent them. But what if you want to find the best price for your online car insurance? For this you need to compare the quotations from more brokers and this operation might be a little difficult if you consider that accessing all the broker’s website and asking for their quotation will spend a lot of your time.

The online answer for your problems is the Online Auto Insurance website. This website is the best insurance store due to its features. Here you can get quotations from all the insurance companies that can deal with you for your car insurance, you can make a comparison between them fast and easy, you can find the cheapest rates for your online car insurance and the most important, you can buy your policy online. Why to spend so much time to find the best insurance rate and not to be sure that you found it? Now, all your problems regarding your car insurance are solved in one place.

Online Auto Insurance

The insurance companies that quote you and will help you get insured with your car available on Online Auto Insurance website are: 21st Century Insurances, GMAC, Bristol West Insurance Group, UNITRIN, Infinity and Western General. Don’t forget that this website is a certified company and they offer the best price for your car insurance because all the companies listed above are offering great prices due to the great number of contracts signed by this online car insurance operator. On the main page of this website you can insert the ZIP code of your home or company and the closest operator to your home will contact you to present the product that fits your requirements. There are insurances for part damages or total damage of your car. Some insurance are made also in case of car stealing or damages from natural causes. All extra feature to your insurance contract will cost you extra money, this is why you need to know from the beginning what kind of insurance are you searching for. Some of the car owners don’t need to insure their car for stealing, for example.

The website of online car insurances is very easy to be used by all the people that made an online insurance before or not. There are presented a film on every page of this website so you are guided all the time what you need to fill and what steps you have to complete for getting the perfect and cheap insurance for your vehicle.

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Breakdown Car Cover Insurance UK

I think we have all experienced a car breakdown and we found out how important is to have the right breakdown car cover insurance. So, even if you live in the UK or any other country around the world the problems are the same and as long as you’re wise and you know what you are looking for you will be able to avoid any future problems.

The first step is to decide what you want from a UK breakdown car cover insurance package. You need to think if you use to travel long distances, because if that’s the case you will need a courtesy car or cover for travel costs more often. On the other hand, if you use your personal car rarely, then you may need only the basic UK breakdown car cover insurance package. Also, you need to evaluate your budget because that’s another limitation that may influence your choice. Ask yourself if you want to pay on a monthly basis or rather the entire amount at once and for how long you will need this type of insurance. Another feature you should think about is the number of persons that the policy will apply to: if it’s for your entire family or only for yourself.

AA UK breakdown car cover insurance

After getting an idea of what you wish for, you should shop around, check out various offers from different companies and also look into the cost and what you will be getting for your money. You can use the Internet as a primary resource and even use online shopping in order to benefit from an additional discount because most companies encourage their clients to use this option by offering significant discounts. Before signing, make sure you check all the possible conditions and exclusions because we all hate unpleasant surprises. The price offered by some companies may be cheap but in the same time it can be deceiving if you don’t pay attention to all the details.

Once you’ve bought this type of insurance you will free yourself of any worries, because you will be able to call, day and night, someone to take care of your car. If you are looking for car insurance as well, you can buy both from the same company and receive a discount. If you chose the AA UK breakdown car cover insurance you will be provided with a new car or your damaged one will be repaired on the spot (that’s usually possible in 8 out of 10 cases), their time of response is estimated at 35 minutes on average and once you decide to purchase this coverage you will receive the membership car and the pack in only 14 days.

In fact, the AA offers three options for UK breakdown car cover insurance. There is the 100 option that means you will be provided with roadside help if your car breaks at more than a quarter mile from your home and in case they are unable to repair the car on the spot they offer transport for you and your vehicle to a destination (your house or a garage) or a courtesy car for 24 hours. Then, there is the 200 option that also provides transport for you and other seven persons to your homes or another mainland destination. The 300 option offers an additional feature, road assistance within a quarter mile of your home. Last but not least is the 400 option that offers the same opportunities as the above AA options but also car replacement, overnight accommodation and onward travel if repairing your car on the spot is not an option.

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After Bankruptcy Buy Car Insurance

If you are interesting in the topic of after bankruptcy buy car insurance, you need to know that after filing for bankruptcy, your insurance rates will go up, depending on the credit rating that you had before. If you still have insurance and you can continue to make the payments, you are less likely to see an increase of the rates when the time for a renewal comes. However, there are some companies that will check the credit score annually, which means that if you have a lower score, your rate will most likely increase.

Basically, any form of bankruptcy that you file will do damage to your credit rating and you will not be able to repair it for even up to 10 years. In this time, the insurance firms that consider credit a part of the risk assessment will increase the rate that you have to pay or they will refuse to offer you the lowest available rates. If you are on the market for a new insurance after filing for bankruptcy, there are some companies out there that will refuse to offer you a quote. We are talking about the ones that use bankruptcy as a risk factor.

The way in which the companies use the credit score resembles to the client’s driving history. If you have been involved in a lot of accidents or you have many violations on your record, you will be considered as a risk to the firm and as a consequence you will get higher rates. The same situation applies to your finances and the companies consider that when the financial stability decreases, they take a higher insurance risk and for this reason they will charge you more for the car insurance rates.

If at the moment you are paying for the car insurance with a checking account or a credit card that may be closed or restricted when you file for bankruptcy, you will have to give a call to your insurance company in order to change the method in which you will do the payment. Don’t forget about the extra fees or installments that might occur when you change from the automatic withdrawal to direct billing. In some states, if one of the payments is late you will have to pay a fee.

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Budget Car Insurance

Budget car insurance is something many of us desire especially considering the times we are living through. One less expensive bill will certainly put your mind to ease so you should start looking for an insurer able to offer you that unbelievable deal you won’t be able to resist. You should also reconsider your insurance options and see what you can live without.

The car insurance is meant to pay for the damages your insured car might inflict on other vehicles or for the injuries of the persons involved in the accident. Some types of policies don’t cover only the other driver if you are found at fault, but also your own vehicle and the injuries you sustained. I’m talking about coverage that protects you against damages cause by uninsured or underinsured drivers, or by random natural disasters such as fire, earthquake and so on. Therefore you should first of all see what type of coverage you will be needing before thinking about saving money.

Budget Car Insurance

So, you can choose the comprehensive insurance, which is the most complete type of insurance but also the most costly and if you are financing your car it will unfortunately be mandatory. In this case, the only way to reduce the cost of the insurance is by raising the value of your deductible but that could backfire if you often get involved in accidents. Another way to lower your insurance is by purchasing a lower-profile car that is not likely to be stolen. The most inexpensive type of coverage that can be considered a budget car insurance is the Third-Party coverage that only covers the damages sustained by the other driver affected by the accident (not by the one insured)

Another way to keep your car insurance budget under control is by avoiding as much as possible to receive speeding tickets or other kind of penalties that can affect your driver record and prevent you from lowering your insurance premium. Your credit rating is another issue, so if you have cleaned it in the recent years you should use that in your advantage. Also, if you a drive a less expensive car that will be reflected by the price of your insurance. You can influence this aspect if you are in search of a new car. If you’re in such a situation invest in a domestic vehicle or in a car with 6-cylinders or a minivan, because those are the types of cars that will help you lower the cost of your budget car insurance. If you own multiple cars you can insure them by using the same policy and as a result receive a discount. Another source of discount can be an anti-theft device that you should install on your car.

A budget car insurance is very important for many of us, but take care when making your final choice. If the price of the insurance is lower, that also means that extra coverage such as roadside assistance, towing or car rental in case of an accident will not be offered. There might also be some kind of fees that are hidden and that you should try to discover. Moreover, the low rate quoted initially can have a short lifespan. As a result, in 6 months your rate might increase significantly. That’s why you should pay attention to all the details, read the contract twice before signing and not be afraid to ask all the questions that pop in your mind. You should also shop around before signing because you never know where you can find a better deal.

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Affordable Car Insurance Free Online Quotes

Looking for free online quotes it’s an art in itself and only the experienced ones can find the best deals easily. When you are checking out affordable car insurance free online quotes, you should first of all look for a reliable car insurance company, the amount of liability or comprehensive insurance that best addresses your needs and of course the cheapest type of insurance that can be provided by that reliable insurer and also meets your requirements.

There are many websites that allow you to obtain free online quotes from most of the top insurers nationwide that are interested in offering you the most affordable car insurance. You are on your way of getting multiple car insurance quotes just by entering a five digit zip code and being willing to look into the results returned. That means you will have to compare those quotes in order to select the most affordable car insurance free online quote. There are a few tips that will help you take your decision.

First of all you should consider checking the insurance company that provided you with a rate quote that got you interested. You can check with the state to see if there have been major complaints filled against this particular company and also browse some forums that will help you get an idea of the level of service quality. If you are more inclined to contact the state department, you can do that by phone or online.

Affordable Car Insurance Free Online Quotes

Your questions should be related to the reputation and history of the company. You should be interested in the time the company has provided its services on the market and the level of customer care is able to provide for its customers. The type of coverage is also of the essence because if the company isn’t offering you something better for your money, then there’s no point in changing insurers. You can also contact the Better Business Bureau to see what complaints have been filled against a particular company.

The insurance claims should also be on your mind, because that’s another item that will help you compare the affordable car insurance free online quotes. So, ask an agent, of the company you are inclined to choose, how long it takes to process a claim, because if you are involved in a car accident you will find that problem rather crucial to be solved fast.

You can also rely on friends and family when trying to buy car insurance. People you trust can guide you in the right direction and their recommendations might determine you to check some of the quotes more carefully than others. You can ask around about the claim process, the type of coverage offered at the best price by a car insurance company and other details you find important.  A mechanic from a trusted auto repair shop is another possible source of information because he has clients that are covered by different insurers and have different stories about their claims.

In the end, it’s all up to you, because you are the only one that knows what you need, the type of car you drive, your expectations and the budget at your disposal. You should just compare the free online quotes according to your criteria, do that minimum research on the company and just follow your instinct. You will have an accurate impression after you talk with one of their agents because an agent is a reflection of the company. What can be simpler than that? Remember that affordable car insurance free online quotes are one click away on websites like carinsurancequote.net.

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Car Classic Company Insurance


Owning a valuable classic car can be one of the greatest perks ever. Considering current society rules, automatically you are placed within a group of people that really care about cars and automatically meeting others that share your passion. With a classic car like that you simply cannot take any chances. Since others think like you, and know the real value of a classic, they have founded specialized insurance companies destined only for classic cars. They will do their best to make sure nothing happens with your car while you’re under their care.


American Hobbyist Insurance is one of those companies formed exclusively of classic car lovers and specialists. They know and value the love a classic car enthusiast has for his car. That is why they direct and dedicate their work in serving the most exclusive car section on the market: classic cars and the best drivers that carry them on the road for our delight.


Their company is underwritten by the American Reliable Insurance Company in no less than 44 states, that’s almost the entire USA continent. The only states this insurance company does not have coverage are: Hawaii, Kentucky, Virginia, Alaska, Oklahoma and Massachusetts. And there is a restriction in California where the American Hobbyist Insurance can be bought only by auto club members. They offer just about the best classic car insurance packets available on the market. This includes an option called Agreed Value Coverage which means that something bad happens and the car is completely totaled, the insurance company will pay you the full insured value which you insured the vehicle for.


Car Classic Company Insurance

Another great offer is the inflation guard which basically means that the value of your vehicle will increase by 2% per quarter and with no additional cost. A good extra is the spare parts coverage existent in their policy that goes up to $500. Emergency road assistance that comes with the complete towing service, which means that when you call, they come to the “rescue” no matter where you are in the United States. Some other offers include locksmith services and an automatic 30 coverage for each additional car you add to the insurance policy.


The single liability charge per car set, and very low insurance rates makes American Hobbyist one of the best insurance companies on the market. Getting a quote from them is about as easy as turning on your computer. You need to progress through 5 simple steps which will take you less than 5 minutes to complete and you will be receiving the quote in record time.


You have to meet some requirements if you want to benefit from their services. One of them is having more than 10 years of driving experience and a maximum of one at fault accident in the last three years. Like I said before, they care about the cars very much and will not insure someone that doesn’t care about classics as much as they do.


They include in their program a wide array if classic cars of all models and manufacturers starting from limited production vehicles and custom vehicles to vehicles that are currently being restored. Another requirement that’s vehicle related is the fact that each classic car must be placed in a garage when it’s not driven. They also offer coverage for car kits or replicas, no matter if they were factory assembled, professionally or home made. So to sum it up you have to understand that no coverage will be offered if the car’s not garaged or you’ve got a bad driving record.

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Car Insurance Rate


When it comes to insurance we are all interested in getting the best possible coverage for a monthly rate that is affordable. That’s why is very important to shop around for that car insurance rate that will help you respect the minimum coverage requested by your state’s law and also get some extra benefits that will be included in a low rate premium.


The first thing you should do when you are looking for an affordable car insurance rate is to check the offers of your current provider. You can ask him if there is a possibility to lower the premium you have already chosen in case of a contract extension. If the company is interested in being competitive and keeping its clients, the insurance agent will be happy to explore your discount options. You can also convince the insurer to provide you with a discount if you decide to bundle your policies. That means you will insure your house, your car and possibly your business by signing a policy. But before deciding, check the quotes from at least three other car insurance companies, because the price differences might be significant.

Car Insurance Rate

Secondly, you should asses the likelihood of being involved in an accident or the victim of a theft. That’s because, usually, city drivers are forced to pay a higher car insurance rate than the drivers who live in suburban or rural areas. But, if your car is equipped with safety devices you might get a discount. So, you should consider installing alarms, backup cameras and even buying tracking devices that will help you find an affordable quote. If you don’t have a very clean driving record you can consider going back to traffic school or taking some defensive driving classes.


The car insurance rates are also influenced by the car’s price tag and by the driver’s age. I’m sure you are aware that a high performance car model will mean a more expensive insurance than the one necessary for an every day model. That’s because the repair and replacement costs are higher for a more expensive car. So, it would be wise to check the cost of the insurance, before buying a certain model. The age is another important factor, because a younger driver is considered less experienced and therefore is seen as a high-risk individual. If you are younger, you should definitely choose a safer car.


Deductibles represent another variable that you can use in order to keep down the price of your car insurance rates. The deductible represents the amount you will be required to pay before the car insurance you purchased covers the rest of the bill. You should get quotes that have different levels of deductibles in order to asses how this variable is able to influence your car insurance rate.


You can use online sources for comparison purposes or for some extra information regarding the car insurance company you are interested in. Such a helpful site is carinsurancerates.com which will provide you with reviews about the players on the market, some insight on their types of policies, help with the claims and some advices regarding the purchase of a vehicle. Also, if you are planning on switching companies you need to make sure that if the rates of another company are lower, the coverage is still the same. That’s why the website helps you obtain, on a free basis, quotes from the best companies in the field that are in a partnership with the Car Insurance Rates website. As a result, you will get a list of the most affordable car insurance rates.


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Aaa Car Insurance


Many people are faced with the “which car insurance dilemma” and don’t know what types of coverage can be found within the car insurance system. One of the most frequent questions that are related to the AAA and what types of car insurance does the AAA offer.




Well the AAA car insurance, comes from the company with the same name. The AAA Company was founded on March 4 1902. It was launched by an organization that had no more than 1000 members at the beginning. The AAA came to be with the sole purpose to assist the driver because of the lack in road maintenance for travelling vehicles. Therefore the AAA started printing road maps in 1905 and afterwards printed hotel and motel guides starting with 1917.




The AAA is considered a non profit organization and has efficiently and continuously offered low priced roadside services that would match any emergency. If you are heading for the AAA car insurance, than you should know something about the multiple benefits you can receive when getting an auto insurance policy from AAA. Getting an insurance quote from them is very easy. You just click on “Get insurance quote” and complete the online form with your contact data.


Now let’s talk a bit about the AAA insurance policy, its terms and the possible payment options. One of the perks of getting the AAA car insurance is that you will receive an offer for a 12 month policy while most insurance companies offer only half that time on their policies. Of course, that doesn’t mean you should enter “head first” in an insurance contract that doesn’t suite you. Always shop around and find the insurance policy that suits you best. If you decide to go for the AAA insurance and also are able to pay the entire amount at the beginning, you will receive a 5% discount. If not, AAA car insurance places at your disposal a wide array of payment options for you to choose from, and model they payments according to your terms.



If you feel you need more feats or other areas covered, AAA gives you the option of getting certain upgrades when you go for their car insurance. For example, one upgrade allows you to rent a car for the entire time needed for your car to be repaired in case of an accident. This can be very useful in case of a bad accident that nearly totals your car. If the repair lasts more than 30 days, other companies will not cover the rental car any more after 30 days have passed.


Another great upgrade is the new vehicle replacement possibility. This option means that the AAA will replace your vehicle in case of a bad accident that completely totals your vehicle. You also have the ability to purchase gap coverage and lease limited payoff. Basically this means that if your vehicle is considered to be completely totaled and you find yourself owing the leasing company more than the car is worth, they will send a check to the company completing the payment, leaving you free and clear.


Aaa Car Insurance


This one is really useful for animal lovers. The pet coverage, as the name says, covers the medical treatment and any veterinarian bills in case “man’s best friend” has been hurt in any way during the car crash. An interesting feat is the accident forgiveness which means that if you switch to another car insurance company, the next accident you may have could enter in the accident forgiveness section. The accident forgiveness can aid you in keeping your driving history clean.


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Basic Car Insurance


No matter whether you’re buying a new car or you’re leasing on, car insurance is simply a must have in each case. You need to make sure at all times that no matter what happens, your car is insured. When purchasing insurance you can go 2 ways. Either you get the full insurance, or you get the basic one. Since full car insurance can get pretty steep, people usually go for the basic package and most of them are not completely sure what basic insurance covers. The basic package may differ from company to company but the idea remains the same. So here are the areas of coverage you can expect to get with the basic package.


Collision insurance is simple to understand. This coverage options takes upon the insurance company all the necessary payments for possible damage sustained to your car during an accident. Be careful, this doesn’t mean that the damage sustained by the other car is covered. This option makes sure that you won’t have to take too much money from your pocket for repairs.

Basic Car Insurance

Next is the Liability insurance, or Third party insurance, how it is also known, is the most standard type of car insurance. This type of car insurance is a requirement enforced by law, if you want to drive the car on public roads. This insurance option helps you for the damage inflicted upon another car when the accident happened because of you. Being exactly opposite to the Collision insurance, this option does not cover the damage sustained by your car. As the name sais it, it takes away the liability so that you aren’t responsible for the price of repairs sustained by the other car.


Now let’s discuss a bit about insurance policies and what they include. If taken literally, a basic car insurance policy doesn’t exist in its true meaning. Many insurance companies give the customer the possibility to customize the insurance coverage options so that they can form a package themselves. Yet still, there are six forms of coverage that are omnipresent, no matter what insurance company you choose. Each of these coverage options can be added or removed depending on the needs of each customer.


The Bodily Injury Liability is a coverage option that takes away the responsibility for any possible injuries someone else may have sustained in an accident in which you are to blame. The Liability insurance option is a requirement in most states, but if you get the minimum just to meet the requirements you will find that they are not exactly adequate. Most insurance experts say that if you get rates of 100/300 it should be enough for Bodily Liability.


The Personal Injury Protection coverage option will save you the terrible price of not only having to pay for your medical treatment after injuries sustained in an accident that was your fault, but it covers the medical treatments for those in the car with you as well. This will also cover possible lost wages in case the victim in unable to continue working for a while, or in worst cases, funeral costs. This option is also a requirement in most states.


The Property Damage Liability will cover all the damage you make to another’s property. This is the main component of each insurance policy and is also the main representative of the “basic” package.


Collision offers coverage for damage incurred by your vehicle. If you’re driving an used car that’s worth very little, than you’d better drop this coverage, since the repairs will probably cost more than the car, rendering it useless.


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Best Car Insurance Companies


Choosing the best car insurance company that will best protect your assets can prove to be a difficult task considering the variety of insurers available on the market. The criteria, used by most of us, are usually reduced at the cost (the lower the better) or sometimes the advertising and marketing campaigns succeed in convincing us. But, unfortunately many times this poor decision level results in a problem that will show itself the moment you are forced to make a claim. That’s the main subject that has the potential to truly differentiate car insurance companies.


The most common complains associated with car insurance companies are usually related to the way a company decides to handle the claims: the possibly slow settlement process, an unsatisfactory coverage ensured when a claim is made, a rise in the rate’s value after a single accident occurs. Other complaints focus on the pressure to repair the car in the shop suggested by the insurer, which many clients feel, on the high premiums or the lack of quality services, including the billing system and the terms of the policy.

Best Car Insurance Companies

Unfortunately, these problems start appearing only the moment you have to file a claim and by then it’s impossible to find another insurance company that will handle the situation emerged. As a result, you should pay attention when you choose the insurance company that will represent your interests. And to help you, there are a few tools that can give you a heading. For example, you can research consumer opinions that you can find inside magazines like Consumer Reports. Online forums are another source of information and many automotive discussions boards have special sections dedicated to car insurance topics. The quality varies widely, but if you don’t use it as primary source of information, it can prove to be a real help, because, as you know, people who have experienced problems are usually the ones who post comments.


Repair shop managers are well informed when it comes to the best car insurance companies available on the market as well, because they have dealt with drivers involved in accidents and their claims. In fact, there are some auto-repair shops that post in their waiting rooms car insurance companies ratings. Even if you have bad credit there is still a chance for you to get the car insurance you wish, but in this case you will have to limit your options to the car insurance companies that don’t take much interest in your FICO credit score.


The state you live in can also help you find the best car insurance company available on the local market because it supervises the company’s activity and also can deal with your complaints towards the insurance company. Moreover, on the state’s official website are usually displayed the best and the worst complaints rates of the state’s insurance companies. Just be careful to check if the data provided is not out of date and you can also consider checking the information on the websites of other states as well.


Another free source of information that can help you make a decision is represented by the broker websites that are considered to be a great way to compare online the best car insurance companies. Their expertise in the field is due too the fact they work with more than one insurance company, so they can provide variety and also some comparative information along with ratings.


Finally, you should get as many quotes as possible in order to find the best car insurance company and you should provide more information for a more accurate quote.


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