With the high cost of gasoline nowadays, most new drivers think twice of getting car insurance.

Driving without any car insurance is a very big risk. Most drivers might think that car insurance is way too expensive, but in the long run it may save you a lot of money.

Take for instance this example, if you are in a car accident it may cost you thrice the amount you might have paid for a car insurance to cover for hospitalization and for buying yet another car. Plus without car insurance you will be paying police fines as well as paying for suspended licenses.

A total of 47 states require some kind of insurance for your car. It would be wise to know the basic law covering car insurance. Here are ten tips you can refer to on how you can get the best deal on car insurance.

1. Know the different types of car insurance policy

The first thing to know in buying car insurance is to understand the different policies they offer. Choose a policy or policies that would best suit your needs.

Liability - This policy covers physical injuries and damages to property. This includes paying for hospitalization and other medical expenses. Damage to property includes vehicles and other tangible property that might have been damaged during the accident. Liability also includes expenses for court proceedings if the vehicular accident requires one.

Collision This policy covers any damages if your vehicle is crashed to another vehicle, lamp posts, house or any another objects.

Comprehensive This policy covers damages caused by natural disaster like flood, storm, hail or wind. This also includes damages by theft or vandalism.

Medical Coverage Medical expenses are covered by this policy not considering if the cause is a vehicular accident or not.

Personal Injury Protection (PIP) A personal insurance of the driver. This policy covers for medical expenses and treatment caused by an auto incident.

Uninsured Motorist If by chance you are hit by an uninsured driver, this policy covers the damages done to your vehicle.

Underinsured Motorist This policy will cover the remaining cost for repairing your damaged car if ever the incident is caused by an insured driver with inadequate liability insurance.

Rental Reimbursement In case of a damaged car due to a vehicular accident, this policy will give a daily allowance for rental fee.

2. Know your credit rating:

In most states, credit rating has always been the number one factor affecting car insurance rates. Be sure you have a copy of you credit report and check its accuracy and immediately contest any erroneous information.

3. Motor Vehicle Report (MVR)

You can get a copy of your Motor Vehicle Report in your respective Department of Driver Services or Department of Public Safety in your state. A three year record may cost you 5$ and a seven year record would cost you 7$. Like credit reports, verify that all information are correct.

4. Accident Reports

You can get a copy of your Motor Vehicle Accident Report from the local police department. It may take around six weeks before you can receive the detailed report. You might need to pay a higher car insurance rate if you have reported accidents within the last eighteen months.

5. Scout for a good insurance package

There are some insurance companies that are offering multi-vehicle discounts. You would get a lower rate if you have two or more vehicles that you want to get insured. Also, you can get a good deal from one company that packages all their insurance policies, including home and health insurance.

6. Check out various discounts

Most insurance company offers a discount to drivers over 55 years of age. It always pays to be a good student; you can get a student discount if you have a3.0 point average or higher.

7. Obtain a Driving Safety Certificate

It is common for car insurance companies to give certain discounts to those who finish a safety driving course with a very good standing.

8. Check the model of your car

Insurance rates can be different from vehicle to vehicle. A fancy car will obviously have a higher rate than an older model.

9. Take advantage of added features

Be sure you are receiving lower rates for safety and security features like antilock brakes and air bags.

10. How much are you willing to pay

Choose the option where you can handle the down payment and the monthly paying scheme. Compare other insurances prices before purchasing one. You can try calling a toll- free number (1-888-588-5111) where you can ask for car insurance assistance and compare rates.

Having car insurance is like driving trouble-free. But, as always, being a responsible driver exceeds all effort in having a hassle-free life on the road. Never drink when you re driving. Have a big respect for your life and that of others. Go get your car insured and be safe on the road!

About The Author

Copyright 2005 Joseph Ducat. For More information, please visit:
http://www.auto-insurance-report.info
http://www.auto-insurance-specialist.info

This article may be reprinted as long as the resource box is left intact and all links are hyperlinked.

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Many factors affect the premium you will pay for auto insurance. Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. We have elaborated on some of the risk factors below, but there are numerous others, including driver’s gender, miles driven per year, purpose for using the vehicle (commuting to work, using for work, leisure only), etc.

Factors you CANNOT easily change that affect your car insurance rates:

. Age
Statistically, drivers under the age of 25 are at greater risk of being in an accident than those over age 25. Drivers between the ages of 50 and 65 generally have the safest records.

. Gender
Women are statistically safer drivers.

. Marital Status
A married person will pay less than a single person with an identical driving record. Factors you CAN change that affect your car insurance rates

. Geography
Where you live makes a difference. Folks living in areas with little or no traffic are likely to spend less on insurance than those living in congested cities or suburbs because areas with a lot of traffic tend to see more accidents. Some neighborhoods also have a higher rate of vehicle thefts, which can result in a higher premium.

. Driving Violations
Having an accident or moving violations on your record (speeding tickets, DWI, reckless driving, etc.) put you at a higher risk for accidents and will likely mean a higher premium. Some insurance companies will penalize you for your record for as many as five years from when the incident occurred. However, keep in mind, as your record improves, your premium will get lower.

. Vehicle Type
El cheapo car will cost less to insure than that status symbol SUV sitting on 24″ rims baby.

. Accident Claims
A driving record that is clean and free of accidents will hold fare better for you than lots of tickets and/or accidents.

. Credit Rating
Many insurance companies view having a poor, or even no credit history as suggestive of higher risk and thus, charge you a higher premium.

. Occupation
Insurers have statistically found a correlation between your occupation and risk. For instance, a newspaper delivery person is most likely a higher risk than the personal banker sitting at their desk all day.

Other factors that help determine premiums:
. Driving distance to work
. Miles driven each year
. 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)

What can I do right now to make sure I have the lowest premium?

Shop around and compare quotes from different insurers. They base their premiums on their claims experiences, which naturally differ. One company may see your area as a higher risk than others may. Another may charge more because of your occupation. Shopping at http://www.carinsurance.com makes it easier because you can quickly see multiple companies and their rates for your particular situation.
Where do I go for quotes?

One stop can take care of it all. Go to www.carinsurance.com where you can receive multiple quotes, pick the best price, and then purchase. Get covered immediately on-line or over the phone. It REALLY is the easiest way to purchase car insurance.

Visit http://www.carinsurance.com For Your Low Premium Quote

About the Author

Jon Register is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.

CarInsurance.com offers the ability to shop for car insurance online. Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don’t have to drive your car to buy car insurance. Buy online…anytime!

Technorati Tags: automotive, autocare, auto care, car care, auto repair

If you have recently taken the time to have your car detailed . It’s likely, You may NOT be getting all that you paid to have done. Yes, its true we detailers do fail to perform the professional looking car detail you deserve.

I must admit in the early going, I fractured a sacred detailing law or two. In an effort to make more MONEY I cut a few corners to get done faster.

Now that I have confessed my Sin

I Will attempt to redeem myself, by helping you to spot some commonly overlooked areas that are missed when detailing a car.

So that you, the do it yourself car enthusiast. Even if you chose to let someone else clean your car, can get the best possible look.

Under the hood

Either out of haste or inexperience detailers do not properly clean the

Firewall

This can be easily handled during the engine compartment cleanup. By using a good degreaser, small brush, and a strong burst of water. Making sure all the visible nooks and crannies are clean.

(Always cover any parts that can hinder the smooth running of your car)

If you were to look up, at the inside of the hood you would see painted areas running along the inside of your hood, with a padding in the center.

Always check to see if this area is clean as well. Basically when you drop your dough, or chose to do it yourself this should all be clean.

This can be handled by using the same method as the fire wall, but follow up with a hand mit and soapy water.

(I will assume the engine is dressed afterwards to enhance the final appearance of your now clean engine compartment.)

Door Jams

At first glance all seems well, right? Or is it.

Look at the door real close. Now you see it don’t you, Many times the bottom of the door panel is still dirty. If you look at the rubber seal in the door at the top when you pull that up is it clean?

This should be cleaned and a rubber dressing applied to it as well. The whole of the door way should be free of any grease or dirt period.

Trim and Moldings

Are the moldings restored to look fresh, and rejuvenated in relation to the rest of the car? Again these are things that can be and should be addressed in order to justify the price.

Due to the fact that all cars are different in this regards, a simple close look at the trim and moldings, will tell you what you need to do next. (But hopefully you will not have to.)

Trunk

Like under the hood, you want to make sure that all the painted areas on the inside of the lid are clean. Also the rubber is dressed with a protectant. Cleaning this is easy with a wash mit and soapy water. Be sure the groove that outlines the trunk is cleaned also.

Though this is not a comprehensive list of everything that could be missed, in my experience these are the more common ones. If you like more information on how to spot overlooked areas, You can recieve the Free Auto Detailing Tips Newsletter at your request. Come visit us at http://www.auto-detailings.com/

About The Author

K.M.Dodd is a car enthusiast, and an experienced auto detailer with over twelve years in the field of automotive detailing. Auto-detailings.com is a growing compilation of his knowledge and expertise. Written for the Do It Yourself Detailer, at Auto-detailings.com you can read up to date content-rich quality information in an easy to understand style.

kdodd1@alltel.net

Technorati Tags: automotive, autocare, auto care, car care, auto repair