“Pay as you Drive”

Certain details about you and your vehicle will be asked. This information should be handy so you can punch in the details while you are using an online calculating tool or talking to a company representative. Details include :

if your car has been registered in the UK with the DVLA.
if the car has been modified not according the manufacturer’s specifications.
marital status
your residence
your driving record with claims

Some of them even save your quotes online for up to a month for retrieval. This is a time saving measure and you can add in or ask for a different quote.
Pay as You Drive

“Pay as you Drive” is a new type of car insurance that is being offered by Norwich Union UK, a subsidiary of AVIVA. By using GPS (Global Positioning System), your monthly premium is estimated based on how often, when and where you drive. This way you can obtain a cheap car premium.


Get as many quotations as possible from a wide range of insurance providers. These quotations will vary as every company has different price structures for their premiums. Compare each one of them and go for the one that suits your vehicle.
Factors in Quote Variations

Age of your vehicle
No Claims/Discount
Where you park
Market value
Motoring experience
Driving offenses
Insurance group placement
Your job

Home and car insurance companies

You know about the standard no-claims discount.
Insure your partner or spouse on your car and reduce your premium by up to 12.5%
Declare that your spouse or partner has a car insured in his or her own name, or has the use of a company car full-time, and you can qualify for a discount of around 20%.
Even if you don't have the full five years' no-claims bonus in your own name, your previous experience as a named driver on another policy will stand to you. It could save you 10% for each additional qualifying year up to the maximum of five years.

Home insurance is necessary to protect not just your belongings, but also your physical home. While no amount of money can replace pictures of your children, the coffee table you bought when you first got married, or the energy that you put into making your house a home, home insurance exists so that when you start over from a theft or storm or fire, that you don't have to go into your own pocket to begin anew.
"Contents" is basically anything that would fall out of your home if you turned it upside down and shook it. If you own a lot of expensive things, it's best to a) get higher contents insurance and b) video tape your belongings to prove to adjusters what you own in case you ever need a claim for your home insurance.

Сis insurance

Security is a matter of serious thought and planning ahead of time.
the following insurances:
• Car Insurance
• Insurance for your home
• Life insurance
Benefits of Classic Life Insurance
• Classic insurance offer life insurance which are of low cost
• Represent 87 companies and will do cost comparisons
• They save your time
• Find the best coverage value
• In most cases within minute's figures will be given right on the phones
• They are specialized in finding ideal coverage
• Both in term and permanent they offer a wide variety of Classic life insurance
• For people with good health histories and non-smokers they offer discounted rates.

Classic Health insurance: It offer's low cost health insurance. With continuous rise of health care costs, quality major medical insurance is absolutely necessary. An illness or accident could mean financial disaster without it. Classic Insurance save your money finds the best reimbursement value. They compare coverage and rates with all the top companies and then decide the plan which fits your budget and needs.
Insurance can keep you and your family from financial ruin — it’s a basic part of your financial planning.

Medical insurance cost comparison

Individual and Family Health Insurance. Singles and families should take a look at our individual and family health insurance plans. If you don't get your health insurance coverage through an employer, an individual and family health insurance plan is your standard, private market option.

Increases in the cost of diesel at the pump and price rises for new diesel cars are now preventing drivers from saving money by choosing diesel.
Many popular models need high six figure mileage to recoup the extra expense and some diesels always cost more than the petrol alternative at current forecourt prices.

Several years ago, the price of diesel on the forecourt was within a penny or two of unleaded. But recently the price of diesel has been significantly higher than petrol making it more difficult to save money choosing a new diesel car.

BMW X3 (04 on) reviewThe X3 is an excellent all-round small off-roader. It's good to drive, and while there's only one diesel engine on offer it's a very good one and can even handle a drive in the mud when needed. Plus it's practical, stylish, comfortable and well built.

Gap insurance price

Car Insurance And Secondary Drivers.
The best way to get value-for-money auto insurance rates is to compare the quotes from as many top insurers as possible.

Car insurance is a necessity, and in some countries, it is even illegal to drive without it! Unfortunately car insurance is also very expensive, especially for younger drivers under the age of 25. A lot of young adults who are under 25 are insuring themselves on their parents' policies to save money. This is a dangerous thing to do, for both the parent and the child. We will discuss why this can be dangerous.

Firstly, there is no problem with young adults being a secondary driver for a vehicle on their parents' policy. This is if they are in fact a secondary driver. It is considered fraud if a child is listed as a secondary driver on a policy when they are in fact the main driver of the vehicle on the policy. It has come into being, with the current economic crisis, that a lot of young drivers are resorting to this fraud, thinking that they will at least be insured, and it costs a lot less for them. Unfortunately, if they have an accident and the car insurance company finds out that they are the main driver of a vehicle they were listed as a secondary driver for, this will be considered as insurance fraud, and the insurance company will be within their full right not to pay out.

So why are young adults turning to their parents car insurance policies instead of taking out their own? Well the financial crunch that has come into play recently has to be taken into consideration. People are just completely unable to afford to take out their own car insurance policies. Sometimes even the cheapest option is just not affordable for them either. Putting themselves on their parents' policies can be a cheap, easy way out, especially if it is illegal to drive without car insurance in their country. In a lot of cases, these young adults are even purchasing their own cars, registering it in their own names, but then putting the vehicle on their parents' insurance policy and naming themselves as a secondary driver when they are indeed the main driver.

This is a silly situation to put yourself in. Sure, the money saved on premiums every month can add up to a lot, but it will land up costing a lot more money in the long run when the insurance company does not pay out if they discover the fraud committed.
you get:

quick and easy access to the top insurers;
guidance on how to make good decision on which policy to buy; and
usually hundreds of dollars in savings!
It is better for young drivers to look into all their options for obtaining an affordable vehicle insurance policy. By driving a small, easy maintainable vehicle, you will get a lower premium, as will installing a good alarm system on the car. This lowers the risk that associated with younger drivers.

Сar insurance money

Fully comprehensive is traditionally the most expensive and covers everything - damage to your car, personal injury costs and any third party's vehicle and property.
On very old, cheap cars, annual comprehensive premiums can cost more than the car is worth. But it's a must if you are buying a car using a credit agreement or a loan because if the car is a write-off or stolen you still have to continue paying the finance.
Third party insurance is the minimum legal cover allowed and is typically comparatively cheaper. It covers damage to the other person's car or compensation but if your own car is stolen, burnt out or damaged it is not covered. Third party will often come as third party, fire and theft or can be beefed up using add-on insurance such as Fire and Theft.
But is third party cheaper?
If you are considering third party insurance double check that it is actually cheaper. One of the upshots of the rising cost of insurance for young or risky drivers over recent years is that third party cover - the one they usually take - has shot up in price and can be more expensive than comprehensive. The best way to double check is to use a car insurance finder, such as This is Money's.
How the no claims discount works
You typically get a 30% discount after one year of claim-free driving, rising to 65% after four or five years. But companies vary. Some go up to a 70% maximum while others specialising in younger drivers will give higher discounts at an earlier stage.
Many insurers now offer the opportunity to pay a bit more to protect your no claims bonus. The rules vary but you may be able to make two claims in three years, for example, before your bonus is affected. Protecting your bonus will not stop your insurer from hiking up the premium at renewal following a claim. But at least you won't lose your no claims bonus on top.
Other options: your policy decoded
Protected no claims
This is an added extra that will cost you around £50 or more, depending on your insurance cost. It means that if you make a claim you do not lose your all important no claims discount. Usually, it protects you against the first one or two claims in a year, or over a longer period.
Legal protection
This is an added extra that covers your legal costs if you are involved in an accident and it isn't your fault, this covers the cost of solicitors going after some compensation for you, for either an injury, the loss of your car for a period of time, or the cost of your public transport. It adds about £25 to a policy. Whether it is worth it is a grey area, as there are plenty of no-win, no-fee solicitors out there for injury claims. On the other hand, it costs about £2 per month for some piece of mind.
Car hire / courtesy car
If you are in an accident this will provide a car for you while yours is being repaired. But be aware almost all have time limits and you will not get the use of a hire car forever. It's worth considering whether in the case of an accident you could do without your car.
Legal cover and car hire warning
If you are in an accident that isn't your fault, it's highly likely you will be offered the chance to try and get a hire car through legal cover, ie a solicitor acting on your behalf will claim against the other party. Remember, these costs are not guaranteed to be won back and should be reasonable, otherwise you may face problems down the line.
1. You're a statistic.

To an insurer, you're not a person, you're a set of risks. An insurer bases its premium (or its decision to insure you at all) on your "risk factors," including some things that may seem unrelated to driving a car, including your occupation, who you are and how you live.

2. Insurers differ.

As with anything else you buy, what seems to be the same product can have different prices, depending on the company. You can save money by comparison shopping.

3. Don't just look at price.

A low price is no bargain if an insurer takes forever to service your claim. Research the insurer's record for claims service, as well as its financial stability.

4. Go beyond the basics.

Most states require only a minimum of auto-insurance liability coverage, but you should look for more coverage than that.

5. Demand discounts.

Insurers provide discounts to reward behavior that reduces risk. However, Americans waste money every a year because they forget to ask for them!

6. Ask for the real thing.

Insurers cut costs by paying only for car parts made by companies other than the car's manufacturer. These parts can be inferior. Demand parts by the original equipment manufacturers.

Business car insurance policy

Why People Prefer Pay As You Drive Car Insurance Pay as you drive car insurance is growing in popularity around the world. Its benefits far outweigh any negatives.

Have you considered a long term care insurance policy but have not committed because you feel you would not use the insurance benefit? Some with this concern have another option that combines a long term care insurance policy with a traditional life insurance agreement to produce a long term care insurance policy that has a return of premium.

It is catching on in the countries where it is illegal to drive without car insurance. People have been growing increasingly agitated with the fact that they have to pay the same car insurance costs as other people, even if they do not use their cars that often. Older people and those who live in two vehicle households do not drive their vehicles as often as others. There are also some people who make a concerted effort to drive less in order to conserve the environment. These people should all be rewarded for driving less, and pay as you drive insurance seems like the best possible way to do this. But what is pay as you drive auto insurance, and how does it work? There is a small set fee that has to be paid towards the premium every month. Thereafter, the premium is calculated on a cent per kilometer rate which is determined by the regular factors such as age, driving history, the type of car being driven and the security on the vehicle. There will usually be an amount of free kilometers that can be travelled each month before the insurance company starts charging the cent per kilometer rate. Once the person travels over the designated free kilometers, they will then start paying for the extra kilometers travelled. The car is installed with a tracking device by the insurance company so that they will be able to monitor how far you travel each month. This also doubles up as an excellent security measure for the vehicle, as the insurance company will have peace of mind in knowing they will be likely to recover the vehicle should it go missing.

This pay as you drive motor insurance idea is very popular with people who do not travel a lot every month. If they are only using their car occasionally, then it seems like a waste of money to pay for full insurance every month. Environmentalists are also raving about pay as you drive insurance, saying that it motivates people to drive less, knowing that they will pay less at the end of the month. If there are fewer cars on the roads, there will be less of an impact on the environment from the carbon monoxide emissions. Some businesses also prefer for their drivers to be on the pay as you drive insurance option, as they are more easily able to monitor where their employees are traveling each month, and how much of the petrol costs they should cover. Pay as you drive is an interesting vehicle insurance option that should be looked into by everyone. Not only to save money, but the earth too!

Auto ins

Easily and quickly save on your car insurance.

Auto insurance is mandatory in New Jersey, but the type and cost of that coverage can vary significantly. Every day, consumers are finding that there are options available to make it easier to comply with the law. The Automobile Insurance Cost Reduction Act mandated that a Basic Policy be available to all drivers.

It is important to realize that you are breaking the law if you drive uninsured. The penalties for driving uninsured are getting more severe — in addition to risking economic loss by not having insurance protection, you risk fines, suspension of driver's license or registration and even time in jail. In the future, your car could be impounded if you are caught behind the wheel without coverage.

Do you find the idea of trying to find the best auto insurance rates exhausting and overwhelming?