"Ah, summer, what power you have to make us suffer and like it."Russell Baker
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The Birth of Life Insurance
The concept of insurance probably began in China over five thousand years ago. Others will argue that insurance began slightly later, in Babylonia. In any case, ancient peoples were interested in protecting against loss. They devised insurance systems to ...
Types of Homeowner Insurance
There are 6 different types of homeowners insurance in general that are consistently utilized. Of these HO-3 is the most usual policy then it is followed by HO-4 and HO-6. Others less used, but still important, are HO-1, HO-2 and HO-5. Everyone is ...
Where To Find Affordable Health Insurance?
Affordable Health Insurance offers you a wide variety of medical insurance policies to protect you and your family against the high costs of health care. Affordable individual health insurance is likely for all of us who are in need of it. We just have to ...
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We all know that car insurance is compulsory, but it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for cheap car insurance rates really can save you hundreds.
STEP ONE - CUT THE EXCESS, CUT THE RISK
The size of your car insurance premium is directly related to the risk you pose to the insurance company. So the easiest way to cut your premiums is to accept a higher voluntary excess. An insurer's standard excess may be £100; but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft, then a bill for repairing bodywork damage after a car park crunch.
STEP TWO - SECURE IT & SAVE
Another sure way of reducing the risk and, therefore the premium, is by fitting approved security devices. All major UK insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security such as an immobiliser and alarm. Not only does it save you money when your insurance renewal is due but it gives you extra peace of mind every time you park up your car.
STEP THREE - LOW MILES, LOW PREMIUM
If your annual mileage is low, 5,000 miles or less, ask insurers if they offer discounts for agreed mileage restrictions.
STEP FOUR - ADD A NAMED DRIVER & SAVE UP TO 15%
Including a named driver on your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. A young named driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums by up to 15%, particularly if the named driver is female!
STEP FIVE - SHOP, HAGGLE & SAVE
Simply shopping around will reward you with the biggest savings. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). Start off using good comparative online car insurance quote sites like Moneysupermarket and Screentrade, take their best quotes and go direct to the cheapest insurers for more specific quotations.
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Former Insurance Executives in Settlement TalksWall Street JournalBy CHAD BRAY And ASHBY JONES Federal prosecutors and lawyers for five former insurance executives accused of engineering a bogus reinsurance transaction to mask a drop in reserves at American International Group Inc. are in settlement talks, ... |
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