Saturday, September 15, 2012

Auto Insurance Discounts Reward You With Savings

Calculating the cost of auto insurance was at one point based on only a few variables, which might well related to the particular type of car to insure, your driving experience, and your age. Today, the insurance companies consider a wide-range of variables to help determine the premium. Such variables might now consist of your credit history, other insurance policies held, security, payment types, and more. By taking advantage of some of these variables, it might well be possible to turn any plan into a cheap auto insurance policy. Here are just a few of the ways to obtain a more competitive quotation -

Dual Policies - If you have a home and auto insurance policy at two separate companies then it might benefit to combine those policies to save some money. Transferring multiple policies to just the one insurance provider will equal in considerable saving in the long-haul. Many of the insurance companies offer a 10 to 15-percent discount, which is quite a standard, industry-wide offering, for insuring multiple policies with the one company.

12-Month Policies - People typically purchase 6-month auto insurance policies. Whereas, if you where to take out insurance for a 12-month period it is often possible to get a more attractive premium, this discount comes from committing to an insurance company for a longer period of time.

Security Devices - Installing the right anti-theft equipment often has the potential to attract a more competitive premium; such devices that might benefit you include an engine immobilizer, alarm system, and a LoJack tracking system. Equipment of this nature is quite inexpensive to install and will give a saving in the long-term from the reduction in the premium quoted.

Low Mileage - if the driving you do is just limited to short journeys from home to work or going to the shops and back, then this might offer another opportunity to save on insurance. Quite a few insurers give a discount if a vehicle is driven for less than 7500 to 14000 miles each year - the low-mileage limit varies from one insurance company to the next.

Electronic Payments - Setting up an electronic transfer payment to cover the cost of the insurance can also help to save some money, which is often quite a decent saving over a period of 6 or 12-months. Most of the insurance companies prefer the monthly fees paid by an automatic processing system as this makes things a great easier for both parties.

Sunday, September 2, 2012

Find Great Savings With A Business Insurance Online Quote

For entrepreneurs who need the best protection for their assets, a business insurance online quote can be a great way to save money. Companies that seek and compare a variety of these quotes should be able to realize substantial savings as they take advantage of the internet's high level of competition. To accomplish that goal, however, every businessman should have a basic plan in place to locate the right policy.

The first step involves knowing what type of coverage the company needs. Retail stores have different needs than construction companies and internet-based firms. The key is to identify those assets and situations for which coverage is appropriate, and seek policy quotes that cover only those essentials. Stores, for example, will generally need liability coverage, as well as protection for the building and contents.

Once the basic protection needs are identified, the next step is to locate an internet broker site that can provide multiple quotes. These sites are extremely helpful in this regard, and can save entrepreneurs a great deal of time. All that a company owner has to do is fill out one simple form. The site then sends that information to its multiple providers, who each offer their own quotes to the customer.

After these quotes are obtained, it is important to evaluate them carefully. Many times, insurers will include unnecessary coverage that must be eliminated to get an accurate picture of the actual policy price. As a general rule, always compare similar types of coverage, and avoid the mistake of comparing differing policy details with one another.