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Driving and Keeping Up With the Insurance Rates

When you were young it was all you could do to pass the time until you were able to get your learner’s permit and then your driver’s license. There are some people who avoid driving entirely but you were on countdown. The time finally came where your school was offering booklets from the Department of Motor Vehicles and you could not wait to get your hands on one. You started reading it as soon as you got it. Then you started making up questions and quizzing yourself so you knew you would pass.

The day finally came to register for driver’s education class and you smiled as you completed your first day. You completed the course and knew that you were preparing yourself for the rest of your life. There would be times when you would have to do errands and you were alright with this and ready to do it. It was something that you would help out your mom and dad and when it came time and they trusted you then you could help out picking up your sister too.

One you hit eighteen, it was time to buy your own car and get your own auto insurance policy. Free online auto insurance quotes helped you select a policy that was reasonable and provided you the best coverage for what you could afford. You knew it covered the vehicle that was financed by the bank while you were on the road with the other drivers. Being protected made you feel comfortable. You were lucky, when you had reached your twenty-fifth birthday you had not been in an accident and you believe this was because you wanted to drive so bad that you did not want to put your license at risk.

Once hitting twenty-five you were eligible for a discount on your auto insurance policy. This was a nice surprise and you were ready for a break on your auto insurance premiums. Free online auto insurance quotes provided you an opportunity to review other companies so you could see what everyone was charging. As you were reviewing some of the rates at a few of the insurance companies you realize your premiums were in line with theirs. It was worth the few minutes it took to check every few months.

Criticism of Insurance

Advice For Insuring an Imported Car

If you are planning to purchase an imported car then you must carefully consider your insurance options, because finding cover may not be as easy as you think. However its not impossible, you just need to be ready and armed with the right questions.

While you can get a great deal on the purchase of an import by buying it abroad, you can lose those savings when you pay higher insurance premiums. That is why it is helpful to research insurance before you even buy your import, and to get several quotes to be sure you get the most competitive rate. That’s especially true if you are importing a sports car. The rates for sports cars are always higher because of the higher frequency of sports car crashes.

Most insurance companies will insure an imported car as long as they can locate the car?s registration number. If they cannot locate the registration number, then see if the insurance company can find the exact vehicle model in the company look up table. If that does not work, then see another insurance provider.

Many insurers will offer policies only for the most popular makes, and then only at often very low market values. Other companies will write policies for modified imported vehicles as long as the modifications are not “substantial.” If the modifications are deemed “substantial,” then you probably need to find a carrier specializing in substantially modified imported cars. One carrier may rate your modifications are “substantial,” while another may not. This is why it is so important to do your research.

Some companies will not insure European versions of a UK car, but with left-hand drive. This is something you should be aware of when you decide to import your car and consider insurance.

Don’t forget to check your car’s security fittings. These are very important for determining whether your vehicle can be insured at all, and also have considerable impact on cost. Not having the proper security fittings

It’s true that finding the right policy for your imported car is usually a chore, but it is not impossible. Research, and ask questions. Get your dealer to give you advice. Ask your insurance provider if joining a club or organization of imported car owners will get you a lower rate?often times insurance companies may special deals with organizations of imported car owners. Make certain that you get all the discounts that are due to you. And finally make sure you purchase insurance for your car. It’s an expensive investment, and you want it fully covered.

Copyright (c) 2009 Graham McKenzie