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Business Insurance
The success and progress of a business, whether, it is a large scale business or small scale business or home based business is dependent on hard work. It doesn’t matter how good you are earning, one disaster like fire or theft can wipe out all your...
Buying Term Life Insurance on the Internet
In the last few years the growth of term life insurance sales via the Internet has exploded and created many new on line life insurance agencies. In the past consumers were skeptical about buying any products or services on the world wide web,...
Everybody Wants The Best Term Life Insurance Quote
The information you need about the best term life insurance quote is only a click away when you search for term life insurance online. You don't even have to know anything about the insurance industry to get the best term life insurance quote from...
Life Insurance Fears Following The London Bombings Tragedy
Following on from the tube train and bus bomb attacks in London there was a move from several UK insurance companies to reassure victims that claims would be processed “quickly and sympathetically”. This need for reassurance came in light of...
Tips to Save on Car Insurance
NEWS RELEASE Contact: Jordan Walt, (503) 653-8287 A.I.C. Insurance Agency Offers Tips to Help You Save on Auto Insurance Milwaukie, OR 2/18/2005 – Purchasing the auto insurance that is right for you can be confusing, especially for first-time...
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Car Insurance For High-Risk Drivers
If you are classified as a high-risk driver, finding car insurance can be quite a hassle. Some insurance companies will deny insurance to high-risk drivers, while others just choose to charge extremely high premiums. No matter which insurance company you choose, you will most likely end up with a high rate. However, every insurance company is different, so it is important to shop around for the best rates available.
There are many different factors that can contribute to a high-risk driver classification. However, your driving record is the most important factor in determining your risk status. If you have been involved in several accidents over the course of a year or within two to three years, these incidents will negatively affect your record even if they were not your fault. Being involved in any accident can deem you a reckless driver with a penchant for getting into dangerous situations. Also, if you have received multiple speeding tickets, you are also increasing your risk of getting into car accidents. You may be labeled a high-risk driver just by the number of speeding tickets you have received.
There are also several personal factors that contributed to the high-risk label. Unfortunately, many of these factors are beyond your control. Men are typically deemed a higher risk than women, and those who live in the city are considered higher risk than those who live in the country. If you are a city dweller, you will probably pay higher car insurance premiums than if you live in the suburbs or in a rural area. Also, drivers with newer cars are charged higher premiums than those with older automobiles.
Unfortunately, even your credit history can affect your car insurance rating. Those with low credit ratings are usually charged higher premiums than those with better credit scores. Whether or not you have been covered by car insurance continuously is also a factor. If there are gaps in your coverage, they will assume that you have had periods of uninsured driving. Because
driving without insurance is very unsafe and also very illegal, insurance companies take this into consideration when considering your rate.
Though it can take several years of clean driving to erase the high-risk driver label, it can still be done. Three years is the industry standard for reassessing a driver's safety standing. If you have a clean record for a three-year period, you can work your way back to the benefits of lower premiums. However, three years' worth of high premiums can really add up over time. If you are a high-risk driver, there are still ways to lower your insurance payments. With a little research, you can reduce your payments by a fair amount.
There are many car insurance companies that offer free quotes online. Rather than meeting with salespeople or playing phone tag with agents, Internet sites will give you a quote in minutes. This makes comparison-shopping easier than ever. There are even websites that will find a list of quotes for you. Sites like Netquote.com allow you to enter all of your information one time rather than repeating the process for every insurance company you investigate. Netquote will generate a list of rates organized in an easy to read fashion. This process may take a few days, but the results are typically worth it.
Working toward a clean driving record is the best way to ensure that you will get the best car insurance rates. Avoid congested areas whenever possible, and be sure to slow down in reduced speed zones. Be aware of your surroundings and never speed, and you will be on your way to a successful reduction in your rates. About the Author
http://www.filinsurance.com is the internet's most comprehensive insurance marketplace for your specific needs. With the expert, Sintilia Miecevole, who has many years of experience, this outstanding site http://www.filinsurance.com provides competitive rates from auto, life, homeowners, health, and more, just for you! Log in and enjoy!
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