Keeping your premiums from rising? That can feel like playing a game where the rule maker refuses to tell you the rules.

*If you have good credit, you’ll pay less on car insurance.

Almost all car insurers including the top five pull your credit report.

Why? Studies have shown a direct correlation between your credit score and the likelihood that you will file a claim.

Car Insurers also know that if you pay your bills in a timely fashion and have had the same credit accounts for a long time, you’re more stable than someone who pays late and frequently opens and closes accounts.

Car insurers use this information to create your “insurance risk score,” which is one factor that determines your car insurance rate.

Tip: Your car insurance risk score is not available to you, but it may be similar to your credit score. If you have unusual credit activity, wait a month for it to return to normal before buying car insurance.

*Your car model affects your premium car insurance. You won’t get these numbers from your Car insurer. But the car insurers do have a rating system for every car make and model.

Most use a system devised by the Car Insurance Services Office, which starts with the cost of the vehicle and then factors in safety and theft data.

Tip: You can file a claim on your home insurance. Most home insurance policies will cover smaller, less expensive items such as compact discs.

*Bad drivers will pay

You’ll pay for your bad driving. The industry standard is to increase your premium by 40% of the insurer’s base rate after your first at fault accident. Not all car insurers play by this rule.

Tip: Some car insurance companies have a forgive the first accident policy. So ask your Car insurance company if it has a forgiveness policy and how to qualify? .

*You’ll pay for your friend’s bad driving, too. If your friend borrows your car and crashes it, you’ll have to file a claim with your car insurance company.

Tip: If your friend didn’t have permission to take your car, in most cases you won’t be held liable for the damage. But if your friend is uninsured and causes damage that exceeds your policy limits, the injured party can come after you for medical and property damage expenses.

*Your car’s real worth

each car insurance company has its own proprietary list of car values.

The car insurance company may also ask local dealers what they’d charge for a similar replacement car.

Tip: If you disagree with your car insurance company’s value determination, there are several things you can do:

Next time, get gap insurance. It wil l pay the difference between what an car insurer will cover and what you owe.

If you have maintenance records that show you’ve had the oil changed every 3,000 miles and you’ve had the car checked routinely by a mechanic.

If you’ve been paying premiums on any special parts or upgrades, make sure those are included in the car insurance company’s evaluation.

*Odds and ends

Hit by an uninsured motorist? Try to “stack.” (UM/UIM) coverages means collecting from more than one car insurance policy that you hold.

Tip: Check the language of your car insurance policy to see if stacking is allowed.

There are two scenarios for stacking:

First, if you have multiple cars on your car insurance policy with UM/UIM coverage on each, you can collect the limit of your UM/UIM coverage under as many vehicles as necessary to cover full payment for damages.

Second, if you have more than one car insurance policy with UM/UIM coverage, even if they’re from two different car insurers, you can make a claim under each policy until all your damages are recovered.

*You can wait to add your teenager to your car insurance policy until he or she is licensed.

Tip: Don’t forget to tell your car insurance company that you have a licensed teen. If you have to file a claim on his or her behalf, your car insurance company is entitled to charge you back premiums from the date your teen received a license.

*You must officially cancel your car insurance policy when you switch car insurers. you can cancel your car insurance coverage at any time by notifying the car insurance company in writing of the date of termination.

Tip: Call your car insurance agent and let him know you are canceling your car insurance policy. Give a specific date, or you may end up uninsured for a period of time.

The car insurance company will send you a cancellation request. Most often, the form is already filled out and all it requires is your signature.



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No one really wants to have their car stolen, but admit it-isn’t it comforting to know if your car does get ripped off, your auto insurance is going to pay for it? There’s a certain amount of security in knowing that. It’s the security we need to park on city streets at night and leave our doors unlocked while we run into the gas station “just for a second.”

It’s that security that helps thieves target our cars in the first place. We become complacent, we stop being aware, and before we know it we’ve become a victim. It’s as simple as that.

Car thieves, like all good thieves, like to hit easy marks. Whether they’re looking for a quick ride to the neighborhood chop shop or a hot GPS system to hawk on the black market, they don’t want to have to work any harder than they have to. Careless drivers are prime victims for theft, which is why auto insurance providers are encouraging drivers to take steps to protect their vehicles. Not only do these steps help prevent the chance that your car will be stolen, they also just might help lower the premiums on your auto insurance.

Simple Steps to Theft Prevention

1) Lock your doors. Most door locks can be jimmied with the right tools, but attempting to unlock a car door that way attracts attention (usually in the form of a helpful passerby) that car thieves really don’t want. Studies show that just by locking your car doors when you get out you can decrease the chances that you’ll become a victim by up to 60%.

2) Install a car alarm. Most people try to tune out car alarms, but most of them can’t help but look to see what’s going on-and just might catch a car thief in the process. Most auto insurance providers will offer you a reasonable discount if your car is protected by an alarm.

3) Roll up your windows. Again, an open window is an open invitation-especially when your doors are locked. You want to wrap your car up tighter than Ft. Knox.

4) Park in well lit areas. Thieves don’t like to be seen, and so they prey on vehicles out of sight of the public eye.

5) Install a fuel switch or engine switch. These nifty little devices make sure that your friendly neighborhood car thieves aren’t going very far. The fuel switch stops fuel from reaching the motor, and the engine switch stops electricity from traveling and starting the car properly. Either way, that car isn’t moving. Auto insurance providers love this one.

Lowering your auto insurance premiums shouldn’t be your only motivation when it comes to protecting your car from auto theft. As a matter of fact, chances are it doesn’t even make your top twenty. Your vehicle, and the people and items in it, are worth a lot more than you’ll ever save in auto insurance premiums-or pay for your auto insurance policy. Don’t you owe it to them to protect them to the best of your ability?

Is the idea of happiness an evening with your car in the garage? Do you love spending the weekends at car shows? Do you look at oil and grease on your clothes as signs of victory, enjoying the movement of the wheels? If cars are your passion, buying an auto business franchise just might be the best franchise business for you.

Car franchises are not in short supply. There are lots of franchise opportunities that work well for people that know and understand the value of a great car. Transmission repair businesses, brake repair garages, smog check stations, and auto window repair business franchises give the business owner the opportunity to regular maintenance work, helping many people each day of the year. Wreck repair franchise opportunities allow business people to perform more costly services on autos that are more heavily damaged. For the the business person that is less interested in repair, car sales franchises and rental franchises afford the chance to to be involved with cars without all the grease. Tire franchise Business Opportunities and automotive parts retail stores are other other toolsales oriented buyers.

Investing in a franchise lets owners of automotive shops the chance to work with people and to help their local communities. Franchise owners use their mechanical minds to work with those that are going through difficult mechanical problems. Franchise owners must also use their ability to solve problems to find solutions to odd problems. Operators of collision repair service franchises, in particular, often meet people who have went through scary life threatening or life taking events. Franchise business operators must also use their leadership skills to help employees make the best decisions.

Buying into an auto franchise investment gives the auto entrepreneur instantaneous brand name appeal. In most cities, there are numerous auto repair shops and suppliers to choose from. Many purchasers, however, most often shop at a store with a name that they recognize. Choosing to purchase a business franchise instead of starting a new business from scratch can give owners an incoming stream of clientele from the start. Purchasing and auto business franchise from a respected and well known brand name allows proprietors to deal with the real work while the marketing is taken care of elsewhere by advertising professionals. A large number of franchise opportunity companies also offer new franchisees assistance and help as they manage and start up their shops.

As the world develops the new wealth ensures that the demand for almost all car repair franchises will will increase steadily. Before modern technology was placed under the hoods consumers were often capable of repairing their own cars, drivers of modern cars are less likely to have the know how needed for today’s cars and trucks. The autos today are most often made to be worked on with tools that are made to work on the modern machines. Franchises own computers and other fancy equipment that most people cannot afford. Technicians become progressively necessary as car problems are designed to be diagnosed and repaired with computers.

Auto franchise business opportunities supply owners the chance to become very successful. Oil change franchises, and other maintenance workshops permit franchise opportunity owners to participate in limited equipment, pay less for wages, and then create huge mark ups on services or products. Repair shops typically get paid by the hour instead of a flat fee for service. It is not unusual for franchises to charge a lot more than the amount the amount your employee is getting. With a cheap parts and supplies and a cheap work force, auto franchise business opportunities are a good choice for tight for investors that want to get the most out of each buck.

Do you find the benefits of owning an auto franchise attractive? If you have decided that this is what you want to do then, research like crazy and find as much franchise info as possible. The more you can learn, the more informed and better off you will be. Choose a franchise that is well respected, a good corporate culture, and years of successful operations. You’ll be on the road to owning your own business that gives you all the customers, car parts, and revving engines you could want.



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Ideally, you should start comparing insurance policies before your current policy expires. Once you have allowed a lapse in coverage, there may be additional difficulty getting new coverage at a fair price. Remember, insurers look at many factors to figure premium, and these include: age, gender, occupation, credit history and current insurance. A gap in coverage will raise questions that will need to be answered. Did you simply forget to pay a bill, or is there something more serious?  Do you frequently allow insurance coverage to expire, and what is the length of the gaps? Longer gaps may indicate that you drive without insurance, which makes you a higher risk person.

If you can plan a change, there are some good times to change auto insurance providers which should net you a reduced premium. For instance, your rates will go down at age 25, so if your insurance is set to expire the month of, or after your birthday, start shopping with your new age in mind. If you know that you are about to move or change jobs, consider changing your insurance provider before hand. It might be harder to get insurance if your move was over a long distance; you will now be an un-established person in a new town, which equals higher rates. Your new occupation can change your rates as well, especially if you begin work in a high risk category, or if you will use your vehicle more than you did before.

But, if your driving record is spotless, you are 25 or older, there have been no major changes, and your rates have either stayed the same or gotten higher, than you might consider now the time to shop for a discount. Some companies will match a policy and its price if you tell them upfront that you are doing this. Smart research and some basic knowledge will assure that you are getting the best insurance coverage for the best price.



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Every day approximately 115 people die in car crashes. That’s one death every 13 seconds. Almost 3 million people are injured annually in auto accidents. And that’s just in the United States. Accidents happen for a variety of reasons, speeding, cell phone distraction, drinking or driving while under the influence of an illegal substance, driving while under the influence of a legal prescription narcotic medication, slippery surfaces, car part malfunction, falling asleep behind the wheel, and driver error. In nearly every case, an auto accident attorney should be contacted immediately.

Attorneys are able to evaluate a situation quickly, determine fault value and whether or not the fault lies with the other driver or with a car part failure or malfunction. In either case, an auto accident attorney can quickly advise you of your rights and your options. Any good attorney will explain, claiming damages due to an auto accident is far from a “free lunch.” The attorney will have to be able to prove that the other driver or the car part was responsible for the damage done in the accident.

Auto accident attorneys are a necessity in car accidents. It is far from uncommon for the driver at fault to distort details to prevent being the recipient of blame. An attorney can help you defend what isn’t true and provide you with support in determining the facts from fiction. Car accidents happen quickly, and the people involved are often emotionally distressed. Attorneys can be there to be sure that you are in a reasonable frame of mind before speaking to the police.

Auto accident attorneys will not facilitate lies. Thus if you have been involved in an accident and you were drinking, regardless of whether or not it was your fault, an attorney will not recommend that you deceive the police or anyone else for that matter. There is a common misconception that if you have behaved poorly or recklessly and caused an auto accident that somehow having an attorney present will prevent you from having to comply with the law.

Innocent victims are entitled to claim damages related to a car accident. With the help of a competent attorney, a victim is entitled for medical expenses, lost wages, and depending on the severity of the accident, pain and suffering compensation. Attorneys help thousands, or even hundreds of thousands, of victims of intoxicated related accidents collect vast sums of money for the blatant inexcusable disregard for human safety. It can happen and not every auto accident is grounds for a lawsuit, but don’t dismiss your claim without consulting with a reputable attorney. An auto accident attorney can explain if your case meets the necessary qualifications for a lawsuit.

Very few attorneys will be able to be on scene right after an accident. Be sure to document the accident with photographs and as many witness statements as possible, collecting their names and phone numbers, to hand over to your attorney. In most cases, this information will be available from the police department, but providing your own accident documentation may in fact be more thorough. Your attorney will be able to advise you whether or not your documentation will be permissible in court.

Some auto accident attorneys will file a lawsuit based on emotional trauma when physical trauma is not present. This should only be done when the emotional trauma truly negatively impacts the victim’s life to a distressing degree for a period of time. Talk honestly with your attorney before deciding to file an emotional trauma based auto accident lawsuit.

Attorneys are there to see that innocent people do not have to be victims of someone else’s negligence or irreprehensible behavior. A serious car accident can complicate the victim’s life far beyond what most people understand. The job of an attorney is to assess a case, determine whether or not it fits the criteria for a claim, and then pursue the claim as aggressively as possible. There are good auto accident attorneys and then there are fabulous attorneys. It is vital that you know what type of attorney you are retaining when you hire one. An auto accident can leave emotional scars, but don’t allow emotion to cloud your judgment when hiring an attorney.

Imagine this! You are walking down the market place checking out the variety of rates for a box of apples. You scout the market on foot, personally checking with all vendors who have apple carts on display. The entire process takes you roughly about an hour as the market is spread out over a large area. You pass by those that quote a high rate and mentally check those that offer the sum that’s nearest to what you can pay. At the end of the exercise you zoom in to the vendor who offers the best quote for the best quality as well. And then you pick your lot. Something similar happens when you shop around for the best free quote in car insurance.

Let us first understand what insurance is. Answer: Insurance is basically an agreement you make with an insurance company to secure yourself or your belongings in case of any eventuality. The insurance is payable in cash, the amount which is pre-decided between the insurance company and the insured. The insured pays a premium to the insurance company regularly towards this insurance cover.

Car insurance is insuring the car that you or your family/ employees would drive. All car insurance companies provide quotes for your cars on request and you can get free quotes by spending some time looking around yourself. Unlike going about the car insurance market on foot as described, there are easier ways to obtain some good free quotes.

Obtaining free quotes for your car insurance is something like this. All vehicles by law are required to have insurance. If your car is not insured you cannot drive it. Therefore you need to get a car insurance done at the earliest.

Now, how do you go about getting your quotes?

In today’s internet savvy generation, car insurance quotes can be obtained free over the net. You can also find loads of information about numerous car insurance companies that operate in your district and those car insurance companies, which offer the best and free quotes as well. This helps cut any costs that may be associated in obtaining car insurance quotes from several car insurance agencies.

Let’s assume you need a car insurance free quote today. What do you do? Simple, as a first step you log on to the net and run a search for car insurance free quote in your district. This will throw up several web links. You have to click on them to read and understand what the car insurance agencies offer, their free quote requirements, their policy and procedures and such information.

When you are scouting around for the relevant car insurance free quote information you will need some specific information regarding your car. To start with you need to provide your personal contact information which would include name, contact numbers, email address, car driving license number and since when you have it etc.

Then you will need to fill in details about your car like the any current car insurance policies you are holding and their term. This section will probe your car history (any accidents, tickets or violations), the car make and model (4 Wheel drive or sedan), your specific use of the car (to work/ cross-country), and details like if the car has airbags, security alarm system etc etc.

You will also need to clearly mention in your quote requirements what is the coverage amount you need like a full cover or liability only. Also required by the car insurance companies is the bodily limit injury amount you are seeking. Once you submit these details related to car insurance, your quote will be on its way.

All you need to do is await a number of free quotes from several car insurance companies. Once you have shopped around among the best car insurance companies in your district to get the best free quote, select one. You have to try to get the maximum car insurance benefits for your free quote. If you find that you are not happy with the rates in the free quotes that the first lot of car insurance companies have sent you, there are ways to get even better free quotes.

Free quotes depend on the information you put in on the car insurance websites. You can reduce the premium amounts mentioned in the free quotes drastically if you do any of the following and mention the same in your free quote request. You park your car inside a garage. This eliminates damage and theft. You set a ‘break in warning alarm system in your car. You alone drive your car instead of several persons. You don’t have a history of self-caused accidents or violations. You don’t need a car hire clause when your car is taken by the insurance agency for any repairs and many such important points.

So you see, you can get fantastic free quotes from reputed car insurance agencies for your car without moving out of your home.



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