By: David Maillie
With the rising price of gas, skyrocketing health care costs, etc... Americans are feeling the economic crunch. Lets put some money back in your pocket right now and lets take a bite out of auto theft.
The best part is
(1) You don’t have to switch insurance carriers.
(2) Local auto dealers charge $299-$499 for this same service (real price should be $25-$30)- What a ripoff! (Note dealers also charge $200-$1000 for replacement headlights when you can buy headlight cleaner and restorer for under $20).
(3) You can easily purchase it direct from the manufacturer below cost right through the internet!
Police departments, insurance companies, AAA Auto Club, Motor Week, Speedvision TV, and leading consumer groups and publications all recommend window etching as a strong theft deterrent and a great investment.
The top 10 most stolen autos:
1. Toyota Camry
2. Honda Accord
3. Oldsmobile Cutlass
4. Honda Civic
5. Jeep Cherokee
6. Chevrolet trucks
7. Toyota Corolla
8. Chevrolet Caprice
9. Ford Taurus
10. Ford trucks
Did you know that every 19 minutes a car is stolen in this country! Vehicles equipped with a visible theft deterrent system are 4 times less likely to be stolen. Auto etching uses a strong caustic to etch vin #'s and other registered numbers into your car windows (glass is the third most valuable item after plastic headlights and air bags that professional thieves look for - these items are then resold on Ebay and elsewhere by these thieves for quick cash). 95% of thefts are by professional car thieves.
Chemical auto etching is a safe process. No damage is done to the vehicle and it can be professionally done. It is very affordable as its actual costis 70 – 85% less than auto dealer’s charge and has many benefits:
1) It has been proven to enhances vehicle value at resale.
2) INSURANCE DISCOUNTS OF UP TO 35% OR MORE!*
3) No mechanical parts to break down or need repair.
4) SAVE MONEY AND HAVE PEACE OF MIND! – 9 out of 10 auto thefts are by professionals who will not take a car with traceable numbers.
One of the most cost effective security steps is having a security number etched on each window. Start saving big on your insurance today! Auto etch, like headlight cleaner and restorer, is a bonafide product backed and used by the police in every state. It is guaranteed to save you far more than it costs, has numerous benefits, And you can undercut the dealer and buy it without paying their ridiculous prices ($200-$600+)! For more information on Auto etch and/or similar products like headlight restoration kits contact the author below or look up auto etch on the internet. * Insurance discounts can vary by state and by carrier.
December 15, 2007
Would You Like To Save Big Money On Your Auto Insurance And Reduce Your Risk Of Auto Theft?
Car Insurance Facts
Deciding for auto or car insurance is not an easy task in the United States. Not only understanding a few factors can change the money you spend in buying car insurance but also helps to get the best quotes and value for your money. Understanding the car insurance can be sometimes very tricky and absolutely confusing and that sometimes lets you take decisions where you end up spending more money and usually the insurance you buy actually doesn’t suit your needs.
That is why here we have tried to simplify the general insurance facts for you so that you can develop a good understanding of this dreaded but compulsive subject i.e. Car Insurance. Here are some very important facts which you should always consider before buying car insurance.
Appropriate Insurance Coverage is important
Generally the half of insurance covers the liability factor that depends on how you are going to use the vehicle. The amount you pay decreases in case for ex. If you are commuting for home to office and vice versa for work and also if your driving record is clean without a speeding ticket. If your driving record is not clean you end up paying more money as insurance premium. The second half of insurance premium covers damage or loss to your vehicle along with comprehensive and collision coverage.
Shopping around pays
Shop for insurance ad always get more than none quote. There are in fact hundred of companies competing for insurance business from you and in many cases you can save hundred of dollars because of multiple quotes. So, shop around for quotes.
Find out insurance discounts
Many companies in general offer discounts to the customers. You can avail the discount if you are buying more than one insurance policy viz. auto and home insurance. You can also get discounts on factors like air bags, anti-lock brakes, daytime running lights and anti-theft devices.
Consider higher deductibles
You could lower your insurance bill by increasing your deductible but before that just make sure you can pay the higher deductible if you file a claim.
Stacking coverage’s while you file Insurance claim
Stacking uninsured or underinsured motorist coverage’s means you can collect from more than one of your auto insurance policies. Most states prohibit this practice, but there are about 19 states that either allow stacking or don't address the issue either through legislation or litigation. Be sure to check your auto insurance contract to see if it's allowed. Probably you are likely pay a higher insurance premium if you have stacked coverage.
Car gives you benefits
Insurers depend on the model of car you buy, its sticker price, features which may reduce maintenance or accidents or theft. So consult your insurer while you finalize which car to buy.
Notify Insurer of Change
If you wish to terminate the insurance coverage notify the insurer of the same. In many states you get penalty for the number of days you go uninsured so notify your company the change in writing or through phone, terminate the insurance and change the company after that.
Go with your budget
It is always recommended that you strictly follow your budget and choose the payment which fits into your budget. You can get monthly, quarterly, half yearly or yearly mode of payments and choose which suits your pocket.
About the author:
Looking for more information on Car Insurance Rates check out carinsurance-rates.net your guide to Car Insurance Rates
Article Source: http://www.Free-Articles-Zone.com
December 14, 2007
Three Auto Insurance Secrets
by: Steve Gillman
Want to learn something new about auto insurance? Something that can save you a lot of money or get a claim paid? Forget the usual tips. Check out these secrets.
1. Demand the legal policy minimums if you have no assets. Do you really need a lot of liability coverage if you have no money in the bank? Insurance companies will tell you that you do because you can be sued regardless. It's possible. I can't promise you that you won't be sued and end up paying a chunk of your paycheck to someone for life.
However, honest insurance salesmen admit that people without assets are rarely sued. Lawyers work on a commission in these cases, and won't take a case where there is no money to be collected. In fact, having a bigger liability policy can be an invitation to sue, and it won't protect you from personal liability, because they always sue for more than the policy limit anyhow.
If you have no assets to protect, why buy auto insurance? Because it is a legal requirement. In that case why not just buy the minimum coverage required? But be careful. My own insurance guy lied for years, claiming I had just that, when in fact I was paying for "company-recommended minimums." You might have to push the point, and may even have to sign something saying you understand how risky it is to be "under-insured."
2. Claim diminished value. If you have a collision policy, your insurance company will pay for the repairs after an accident. However, is the financial damage really fixed? Not necessarily. A car that has been in an accident and had the body fixed may look the same, but it won't sell for the same price. Would you pay the same for a car that has been in an accident?
A car that has been in an accident might be worth $2,000 less than a similar un-damaged car. This is called "diminished value," and may be covered by your policy. However, diminished value is often not paid unless you push the point. Get a car dealer to do an estimate of the diminished value if necessary, and present this to the insurance company. You pay for insurance to have your losses covered, and they aren't covered if you aren't paid for this.
3. Lower your premiums by removing kids from the policy. You may have already discovered that you pay a lot for insurance as long as you have driving-age children at home. Even if they are off at school, if their legal residence is your house, you pay more.
However, there is a little-known exception to this rule. If your children are at a college that's more than 100 miles away, you can have them taken off the insurance policy. This can dramatically reduce your premiums. The catch? They are excluded drivers, so you can't let them drive the car when they come home to visit.
These are just a few examples of the auto insurance secrets that insurance companies probably don't want you to know.
About The Author
Copyright Steve Gillman. You'll find 11 more ways to save money on auto insurance secrets in "Money saving Secrets," a bonus in the "You Aren't Supposed To Know - A Book Of Secrets" package at: http://www.TheSecretInformationSite.com.
December 13, 2007
Be wise to choose the Auto Insurance Quote
Most of us save commissions that we pay to the auto insurance by getting insurance from the car insurance companies via online quotes and online application forms. Not only do we save on agent commission, we do get direct discounts if we apply online. The risk involved in taking an auto insurance quote without the assistance of an agent lies in choosing the wrong coverage because it is cheap. However, even in the absence of the agent one can make the correct choice of the auto insurance quote offered by making clarification calls to the toll free customer care center of the car insurance companies that offer the policies.
Be wise to choose the auto insurance quote that will really protect you. There is a high chance of buyers misunderstanding the auto insurance quote and the discounts offered without the assistance of a genuine and experienced auto insurance agent. Getting an auto insurance quote online without the assistance of an agent is wise to avoid commission, but if people choose the cover that really does not protect them in times of danger they may regret to have spared the commission for the agent.
Surf through every inner facts and outer facts centered on the auto insurance quote and what it actually covers. Almost all the auto insurance quotes cover liability for the most part. Liability has a lot to do with how one is using the vehicle and how often one uses the vehicle and above all your driving records and the number of accidents you have created. More often if you have a very good driving record you may not create any frequent claim needs as against speed drivers and you can decide on an auto insurance quote with a comparatively little more than the minimum liability cover that has to be taken as proposed by the state. You can save some money on the premiums that cover these.
Before availing auto insurance ask your current insurance provider if he would offer discounts on an auto insurance quote offered by him as you are his existing and good customer. If you have good premium payment records for your other insurance with the same provider, most do consider giving you good discounts that your new provider may not, because they may not wish to loose your business as you are a good customer. If you choose a high deductible you can save on the premium, make sure the deductible is affordable by you.
November 17, 2007
NINE INSIDE SECRETS INSURANCE COMPANIES DON’T WANT YOU TO KNOW ABOUT YOUR INJURY CLAIM
This is where you get Ripped Off. The insurance companies don’t want you to know your rights and to what you are entitled when you make a personal injury claim following an accident. The following are secrets the insurance companies do not want you to know:
1. You DO have the right to an attorney and should at least consult with one:
Attorneys who specialize in personal injury and auto accident law generally do not charge an injured person in an initial conference. Generally, you can meet with an attorney for one hour and learn what rights you have as a result of the injury that you suffered. You can then make your own decision as to whether you wish to retain an attorney to represent you on your claim. As I mentioned, there is generally no charge for this conference and you should find that out up front from the attorney when you call the office to schedule such a consultation.
2. You are not in “GOOD HANDS” if you trust the insurance company:
Despite the fact that many insurers will encourage you not to retain an attorney, and they will tell you that they intend to treat you as one of their insureds and that you are in good hands, this is a myth. The insurance companies have one and only one interest when they contact you early after your accident. They are interested in getting your claim settled as quickly and cheaply as possible. Providing you a “fair” settlement is not first and foremost in their mind. They want to save the shareholders of their big insurance company as much money as they can from lost profits.
3. The auto body repair shop the insurance company refers you to has a sweetheart deal with the insurer:
Frequently, insurance companies will refer you to one or more body shops to have estimates performed on the damage to your vehicle. What they do not tell you is that with many of these body shops, there are sweetheart deals by which the body shops use cheaper and inferior parts to repair your vehicle and only repair the obvious damage as opposed to the hidden damage. As a result of these repairs, you might have continuing problems with your car which will frustrate you and may never get fully repaired. It will also result in a lower cost of repair which the insurance company will then throw back at you and say how badly could you have been injured if it didn’t cost much money to repair your vehicle.
4. In addition to getting your vehicle repaired, you are also entitled to recover the decreased fair market value of your car:
Insurance companies will talk to you about repairing the property damage to your vehicle. They will never initiate conversation with you regarding the fact that in addition to the repairs to your vehicle, if, as a result of the accident, your vehicle has lost fair market value, you are also entitled to a sum of money to compensate you for that loss of fair market value. This is something that even many attorneys are not aware of and you have to be certain to inquire into this when you consult with an attorney.
5. Insurance companies often do not tell you about all benefits to which you are entitled:
Whether it be your insurance company or that of the responsible party, you might be told that you are entitled to have your medical bills paid and they may offer to pay you for your loss of earnings or out-of-pocket expenses. But, the insurance company will not go into any detail as to what other damages you are entitled to receive compensation for. Some of these damages I have listed in the prior section of this report. Further, if you are a pedestrian or bicyclist and are injured by a person driving a motor vehicle, you are considered an additional insured under that policy, even if the accident was not that person’s fault.
6. It is not in your best interest to settle your claim quickly:
The insurance adjuster will be interested in settling your claim as quickly and cheaply as possible. To accomplish that, the adjuster might even offer to pay the medical bills that you have incurred to date and continue to pay reasonable medical bills for another six months. However, early in a case, you have no way of knowing just how seriously injured you are and just how much treatment you might need and for how long. If you enter into a settlement of that nature, once that six months passes, you are out of luck. Further, what do you do if you submit additional medical bills to the insurance company within that six month period of time, and the insurance company tells you that they don’t believe those bills are reasonable or related to the accident? You have lost all leverage in dealing with the insurance company and may not even be in a position where you can sue them to force them to pay for those medical bills. It will certainly be difficult for you to find an attorney to represent you at that point in time.
7. People truly can be injured even with minimal property damage to their automobile:
If you are injured in an accident where the vehicles did not sustain much property damage, the insurance adjuster will tell you that they would not expect you to be very injured, nor to have incurred much in the way of medical expenses given the minimal amount of damage to your vehicle. They will attempt to intimidate you into not seeking health care and not getting adequate treatment for those injuries. In reality, studies show that people very definitely can be injured in what are called low impact automobile accidents. In fact, thousands of people sustain such injuries and the visible damage to the automobile itself is irrelevant to the injuries that can be sustained by the occupants of the automobile.
8. So called “independent medical examiners” where the insurance company might send you to be examined are NOT “independent”:
Whether it be your insurance company or the other person’s insurance company, at some point in time they may wish to send you to a doctor for an examination. They will tell you that this is an “IME,” which is supposed to stand for “Independent Medical Examination.” In reality, these doctors are NOT independent. They get paid thousands upon thousands of dollars every year by the insurance industry to write boiler plate reports that are designed to cut off all benefits to the injured person. Although there are times that you cannot avoid attending these examinations, there are things you can do to prepare for them and to attempt to minimize the damage that could be done to your claim by such examinations. You’ll never learn these things from the insurance company. You will have to be advised by a private attorney who specializes in personal injury and auto accident claims.
9. If they can’t settle early, delay, delay, delay:
If the insurance company cannot get the claim settled early, then they switch tactics to delay matters as long as possible. It is not unusual to have your telephone calls not returned and, when you do finally talk to an adjuster, find out that the adjuster has been changed. In many instances, an adjuster may be changed three or four times within a matter of a couple months. The intent here is to get the injured person as confused and frustrated as possible so that hopefully he or she will decide they can’t waste anymore time on trying to deal with this company and will just go away.
These are just some inside secrets or tips that the insurance companies don’t want you to know about your personal injury or property damage claims.
Tailoring Your Coverage,
Your insurance broker, agent or company representative
can provide you with a complete explanation of optional
coverages that are available, as well as help you to decide
which, if any, you may require.
Optional Coverages
Optional coverage is a term used to describe increases to
the mandatory minimum coverages that are required by
law in the basic car insurance policy. Optional coverages
allow you to choose your car insurance coverage to suit
your individual needs. For example, you may increase
your maximum level of Third-Party Liability and Accident
Benefits coverages.
Third-Party Liability Coverage: While you are legally
required to carry a minimum of $200,000, you can increase
this coverage to better protect yourself. The cost to
increase your Third-Party Liability coverage to $1 million
or $2 million is small in most cases.
Accident Benefits Coverage: You can also increase your
maximum level of Accident Benefits coverage by buying
any or all of the optional benefits listed below. Check to
see if you have benefits available to you at work or elsewhere,
so that you are not paying for coverage you already
have. If you are covered by these benefits elsewhere, you
may not need to buy optional benefits.
Income Replacement Benefits: If you cannot work as the
result of a car accident, you may be eligible for basic weekly
income replacement benefits of up to $400. If this is not
enough to cover your current income level, you may want
to consider buying optional income replacement benefits
to increase your maximum weekly protection to $600, $800
or $1,000.
Medical, Rehabilitation and Attendant Care Benefits: The
standard maximum amount for medical and rehabilitation
expenses, such as physiotherapy, chiropractic treatment,
dental expenses, etc., is $100,000. If you are catastrophically
injured, the standard maximum is $1,000,000. The
standard maximum for attendant care is $72,000. If you
are catastrophically injured, the standard maximum is
$1,000,000. You can buy optional benefits which will
cover up to $1,172,000 in additional medical, rehabilitation
and attendant care expenses, and up to $3,000,000 for
catastrophic injuries.
Caregiver Benefits: If you are providing care full-time to
dependants and can no longer provide that care as the
result of a car accident, you may be eligible for caregiver
benefits. The standard maximum amount for caregiver
benefits is $250 per week for one dependant, plus $50 per
week for each additional dependant. If you buy optional
caregiver benefits, the coverage increases to $325 per week
for one dependant, plus $75 per week for each additional
dependant.
Dependant Care Benefits: You can only claim optional
dependant care benefits if you were employed at the time
of the accident, are not receiving a caregiver benefit, and
have to pay for childcare expenses as a result of the accident.
Optional dependant care benefits cover up to $75 per
week for the first dependant and $25 for each additional
dependant.
Death and Funeral Benefits: In the event that you die as a
result of a car accident, the standard amount which will be
paid is $25,000 to your eligible spouse or same-sex partner,
$10,000 for each dependant, and a maximum of $6,000 for
funeral expenses. If you buy optional benefits, you can
increase these amounts to $50,000 to your eligible spouse
or same-sex partner, $20,000 for each dependant, and
$8,000 for funeral expenses.
