If you’re new to car insurance or simply looking around the market for the very first time, we hope that the information on our site is of use to you. Our car insurance guide has been put together by industry experts, we’ve taken away the sales pitch and hopefully provided you with what you’ve come here for…. information.

Most car insurance companies, assume that you do not know everything about car insurance. This enables them to charge you much more than they would normally. It certainly pays to do your homework and research the market before making your calls.

Also, check out the Internet for the lastest car insurance offers. Many companies offer additional discount if you purchase over the Internet.

Total costly lure of car insurance

Free car insurance is fast becoming a favourite incentive offered by car manufacturers. It’s very attractive, especially for younger drivers who have just passed their driving tests. Often, car insurance for young people is very expensive, so free car insurance becomes a very interesting offer. However, is there a hidden cost to “Free Car Insurance”? The article below written by Jospeh Kenny, explores this question. Click here to read this article.

How much car insurance

Deciding upon how much car insurance you should buy depends largely on how old your car is. There are also many other factors that you should take into consideration. These have been covered in more detail in the article below.

Rental car insurance

Whenever you rent a car, you’re normally offered a whole host of additional “services” by the car rental company. This is to be expected, they are in the car rental business and are looking to leverage other channels to increase their revenue and profits. The question is, should I buy rental car insurance?

Car insurance claim

If you’ve had an accident or a been involved in a small scrape, regardless of whose fault it was, you’re most likely going to need to complete a car insurance claim. Read through the following information to learn about this process, right from understanding you policy to why you should not release your insurers to early.

Car insurance no claims

Your car insurance no claims is like a certificate of how much of a careful driver you are. The longer you have had your no claims bonus, the greater the time it has been since you’ve made a claim on your car insurance. The better your no claims, the higher your no claims bonus which means the cheaper your car insurance premiums will be.

Click here for more information relating to car insurance.  Or call toll free 866-526-9669 . Thank you for visiting the car insurance guide.

Car Insurance Price Factors

Have you ever wondered what criteria is judged in order for a car insurance company to provide you with a price for a car insurance policy? It’s probably a little more than you first thought, the article below was written by Rob Silver, in it he describes which factors can affect your car insurance rates.

Cheap Car Insurance: Factors that Affect Your Car Insurance Rates

When it comes to auto insurance rates, who you are determines what you pay.

Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.

While you can’t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.

Factors you CAN’T change that impact your auto insurance rates:

Your age

Dick Clark and Sophia Loren notwithstanding, aging is unavoidable. And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents.

Gender

Whether it’s the mothering instinct or fewer NASCAR fantasies, women statistically make safer drivers.

Marital Status

Ok, you can change this, but there have been no reports of people marrying simply to lower their insurance rates.

Factors you CAN change that impact your auto insurance rates:

Geography

Where you live matters.For instance, those living in rural America are far less likely to have a collision or a stolen car than those living in a city. But, sometimes even just moving across the street can change your rate.

Driving violations

Speeding tickets, running red lights, failure to yield, etc. all count toward your auto insurance rate.

Your vehicle

If you must have that cherry red Corvette or the Ferrari Testarossa, be prepared to pay for it. Your insurance premiums will be higher.

Accident claims

While you can’t change the past, keeping your slate clean and free of accidents will hold you in better stead than lots of fender benders.

Credit rating

That’s right — many insurance companies view having a poor, or even no credit history as suggestive of higher risk.

Occupation

A little easier said than done. Believe it or not, insurers have found correlation between your occupation and risk. Makes sense that the pizza delivery guy could be a higher risk!

Other factors that go into determining premiums:

• Miles driven per year
• Distance to work
• Occupation
• Years of driving experience
• Business use of the vehicle
• Whether or not you currently have auto insurance
• Theft protection devices (often results in discounts)
• Multiple cars and drivers (another opportunity for discounts)

Overwhelmed?

It can be more than a bit confusing when trying to decide the best and most affordable coverage for your vehicle. Like anything else, get good advice and comparison shop. With the Web at your fingers, you have all the information and power to get the best deal.

Please note that this description/explanation is intended only as a guideline.

The next time you’re looking for car insurance, make sure you remember the factors described above, these are important criteria to help you understand how your insurance policy is priced.