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Do your own a classic car or special vehicle? Has your regular insurance company turned their backs or made the premium so high that you are thinking of selling your car to buy bread?

Well, fret not.

Here are a few quick tips to get your car insured.

Tip 1

Contact your regular insurance company and check that you are getting the best rate. You may be entitled to a reduction based upon good driving history.

Tip 2

THEN, search on the net for classic car insurance, classic auto insurance, kit car insurance etc. Whichever suits your type of vehicle. You will be pleased to know there are now lots of specialist insurers.

Tip 3

Get a number of quotes from each and perform due diligence. I suggest making phone contact with them and asking them a few questions. i.e How long have you been in business? What is your financial backing? Do they have a physical address?

Check around for good recommendations from sites you trust before you make a decision.

Tip 4

Make sure you don’t forget to check all the terms, conditions and restrictions.

Tip 5

Be insurance savvy! Your regular insurance company just wants to crunch the numbers. A specialist insurance company knows that you look after your car like one of your children. This is often reflected in a lower premium. So shop around and enjoy.

Graeme Sprigge is a motoring writer. He is the author of The 90 Minute Car Salesman. http://www.90minutecarsalesman.com and webmaster of http://www.sellmycarforcash.com

On both sites your will find useful automotive tips that will save you a bundle of money.

Tags:insurance,car insurance.life insurance insurance tips, classic car, insurance, kit cars, special vehicles

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Auto insurance premiums vary widely from state to state and even within states. The same person may find swings of as much as $700 on the cost of an annual policy. Insurance agents are not legally bound to tell a perspective customer about discounts which may apply to his/her insurance. There are, however, things the consumer can do which may lower the price paid for auto insurance.

Higher deductibles

The single quickest and easiest way to lower your insurance premium is to raise your premium. Having a $1000 or even a $1500 deductible can lower premiums 15 to 20 percent. If you decide to go this route, consider putting the money saved the first year into an account earmarked to pay the deductible should you have any accident.

Investigate auto records

Your driving record may be unblemished but the record of the car model you own can also have an affect on your premiums. Insurance copies compile extensive reports on the way cars respond in accidents and how popular certain cars are with thieves. Cars with poor crash test ratings and cars that are frequently stolen cost more to insure. When buying a new car use an auto buyer’s guide to compare crash test and theft rankings.

Use the same insurance company

If you have more than one vehicle insure all of them with the same company. Almost all insurance companies offer multi-car discounts. Many companies offer further discounts if you use any other products they offer such as homeowners insurance and life insurance.

Getting many quotes and comparing them is the best way to check pricing, coverage and save money.

And, don’t forget, the best way to lower your car insurance premium is to drive safely.

Save money by applying with our recommended insurance company.

Tags:insurance,car insurance.life insurance insurance, cheap, very, car, quotes

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Can you find cheap insurance? Yes. You can not only spend less on all types of insurance, but you can get more of the coverages you need for less. Here are a few insider secrets to help you out.

Cheap Life Insurance

- Purchase multiple policies. Instead of buying one large policy, save money by buying two, or even three, and staggering the terms. Have one run until the kids are out of the house, for example, and the other until your retirement fund kicks in.

- Investigate the company. Visit www.naic.org/cis, the National Association of Insurance Commissioners site. It has links to check out companies, including their financial condition, and the complaints filed against them.

- Ask about rebates. Some states allow agents to rebate a portion of their commission to you. Check online or by phone. You don’t have to be from the state to buy insurance there.

Cheap Auto Insurance

Get several quotes, of course. You probably know that having as high a deductible as you can afford will also reduce the rate. Here are some money-saving tips you may not have known.

- Get the legal minimum for liability coverage if you have few or no assets. Many companies try to sell their “company-recommended minimums” on liability, and even pass them off as the legal minimums. Just get the legal minimums. If you have no assets, you’re not a target for a lawsuit.

- Once a year, review your policies. Have a policy review and get new quotes every year or so. If the ticket you had is past the three year mark (or whatever the company thinks is important) they will drop the rate, but not automatically, so ask.

- Remove your kids from your policy. If your kids are at a college that’s more than 100 miles away, you can have them taken off the insurance policy and save a lot of money. You can’t let them drive the car when they come home to visit though.

Other Cheap Insurance Secrets

- Health insurance tip: Find a group to join. If you don’t have health insurance through your employer, join a group that enables you to get a better policy rate. A fraternal organization or the chamber of commerce sometimes have arranged for group policies.

- Home owners insurance tip: Consider higher deductibles. Insurance is for disasters, not small stuff. Plan to pay the first $1000 someday when something happens. In the meantime you’ll save money every year on your policy.

- Credit life insurance tip: Just say no. These policies pay the balance of your auto, home or other loan if you die. If you feel you need it, regular life insurance for the same amount is much cheaper.

Whatever type of insurance you are buying, be sure to get several quotes. Ask questions about every part of the policy, and don’t pay for things you don’t need. Ask about any special discounts you might be eligible for. Asking many questions and really understanding the policy is the key to getting cheap insurance.

Steve Gillman has been hunting down obscure knowledge and useful secrets for years. Learn more and get a free gift at: The Secret Information Site (http://www.TheSecretInformationSite.com)

Tags:insurance,car insurance.life insurance cheap insurance, insurance, secrets

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