Why isn't your car insurance company lowering your rates on the theft portion or your premiums?

Now that the cops in the US and Canada have license plate recognition software that instantly identifies stolen cars http://justacarguy.blogspot.com/2011/03/automatic-license-plate-recognition.html

And now that LoJack has a 90% return success rate http://www.lojack.com/why/pages/theft-facts.aspx plus the chop shops and car theft organizations shut down because LoJack claims to have led cops to the stolen cars... well, good.

So with all this focus and recovery on stolen cars, car insurance payouts would logically be less, and if they pay out less, they would logically be charging us less. But they aren't

Car Insurance Lapse: Don’t Let a Lapse in Car Insurance Coverage Affect You

If you’ve ever let your car insurance lapse, you know what a hassle it can be to remedy the situation. Letting your car insurance lapse is also a risky move. Learn the reasons you shouldn’t let a lapse in car insurance coverage affect you and what you can do to stay protected on the road.Why you shouldn’t let your car insurance lapse:    It’s illegal. First of all, driving uninsured is against

Auto Insurance Tips- 5 Car Insurance Tips to Save You Money

Auto Insurance Tips- 5 Car Insurance Tips to Save You Money

Here are some great tips that could save you money on auto insurance.

1. Raise Your Deductible

One way to save money on car insurance is to raise your deductible. A higher deductible will result in a lower premium. Just remember that you will need to pay the deductible in the event of the accident. So don't raise it so high, that you can't afford to pay it if you were ever to get in an accident.

2. Take a Driver's Safety Course

Did you know that taking a course in Driver's Safety could save you money on your policy? Many companies offer discounts to customers who complete an approved driving course. See if your insurance company could offer you a discount for this.

3. Choose your Car Wisely

You may not be in the market for a new car right now, but when you are thinking of a purchasing a new vehicle, choose wisely. Don't just look at the sticker price on the vehicle when shopping. Certain cars are more costly to insure than others, so you could end up paying a lot more in car insurance than you expected if you buy that nice sports car instead of the four door sedan. Cars that are more likely to be stolen or that have parts that cost more to replace will be more expensive to insure. Keep that in mind when you decide to purchase a new car.

4. Drive Less

You may be wondering how driving less will save you money on car insurance. Well, many companies offer discounts to people who meet certain low mileage requirements. Start carpooling to work or school. Not only could it save you money on car insurance, but it will also save you money on gas!

5. Compare Quotes from Multiple Companies

You may already have an auto insurance policy in place or you may be looking for one right now. Whatever your situation, it is always important to stay on top of car insurance rates that different companies are offering. If you already have a policy, compare quotes every six months or so to make sure you are getting the best rates out their for your situation. If you are looking for a policy, be sure to shop around before deciding on a company.

Auto Insurance Tips- 5 Car Insurance Tips to Save You Money

Auto Insurance Tips- 5 Car Insurance Tips to Save You Money

Here are some great tips that could save you money on auto insurance.

1. Raise Your Deductible

One way to save money on car insurance is to raise your deductible. A higher deductible will result in a lower premium. Just remember that you will need to pay the deductible in the event of the accident. So don't raise it so high, that you can't afford to pay it if you were ever to get in an accident.

2. Take a Driver's Safety Course

Did you know that taking a course in Driver's Safety could save you money on your policy? Many companies offer discounts to customers who complete an approved driving course. See if your insurance company could offer you a discount for this.

3. Choose your Car Wisely

You may not be in the market for a new car right now, but when you are thinking of a purchasing a new vehicle, choose wisely. Don't just look at the sticker price on the vehicle when shopping. Certain cars are more costly to insure than others, so you could end up paying a lot more in car insurance than you expected if you buy that nice sports car instead of the four door sedan. Cars that are more likely to be stolen or that have parts that cost more to replace will be more expensive to insure. Keep that in mind when you decide to purchase a new car.

4. Drive Less

You may be wondering how driving less will save you money on car insurance. Well, many companies offer discounts to people who meet certain low mileage requirements. Start carpooling to work or school. Not only could it save you money on car insurance, but it will also save you money on gas!

5. Compare Quotes from Multiple Companies

You may already have an auto insurance policy in place or you may be looking for one right now. Whatever your situation, it is always important to stay on top of car insurance rates that different companies are offering. If you already have a policy, compare quotes every six months or so to make sure you are getting the best rates out their for your situation. If you are looking for a policy, be sure to shop around before deciding on a company.

Best of Car Insurance

Car insurance is very important because the risk of getting hurt in an accident or hurting somebody else is very high and utterly unpredictable. What you can predict is ensuring yourself with the best car insurance that can cover the financial expenses resulting from such an unpleasant happening. As with any other type of insurance, you need to carefully check with as many companies and offers as possible before you decide. Moreover, you need to keep in mind that you are not only ensuring your life but someone else’s as well.
A car insurance package has a few, very important coverage clauses regarding liability, collision and comprehensive coverage.

The liability coverage is necessary for a basic car insurance policy. This refers to the situation when you are at fault for the accident. The coverage will pay for the damages that you have inflicted on the other party involved in the accident, wages or medical bills. It may be unpleasant, but you need to consider all possibilities, even causing serious accidents, with multiple damages and grave bodily injuries to the others. In this case, it is unlikely that the company will cover all expenses and you may be left out in the open. That is why it is highly recommended to consider additional coverage, which may entail a higher premium but, this way, you will be secured. You can never be too careful when other people’s lives are affected at your fault. Collision coverage will finance the repairs to your own vehicle and it is the most expensive of all policies. Comprehensive coverage will compensate the damages to your vehicle in case of an unlucky accident. This is where other factors come into play. The expenses and the premium will differ according to the age of the vehicle, the age of the driver, the people that usually drive the car (one or more). The younger the driver, the higher is the premium. On the other hand, if the car is older, the premium will be lower. The comprehensive coverage is deductible which means that the insurance company will finance you according to the actual worth of the car at the time of the accident.

You will find the best car insurance by researching the internet which is full of information on insurance quotes from professionals that you can contact by phone or schedule a meeting with. Online, you can fill out forms with the details of your car insurance profile. Your needs will be analyzed and, within 24 hours, you will receive an answer with compared prices and offers of various insurance companies that fit your requests.
Another way to get closer to the best car insurance is by reading the online forums where buyers and car owners will post their complaints about certain companies and you will know what to avoid. There are fewer who will post about their satisfactory insurance policy but all these testimonials supply valid information, as they come from practical experience. Furthermore, you can ask the repair shops that deal with the insurance companies because they know best the complaints and the claims settled by them. You should take into account these ratings when looking for the best car insurance.
Be careful about the tricks some sites employ: some of them are affiliated with insurance companies or are created by the companies themselves; therefore they are unable to provide you with impartial advice.
Also, if you have other types of insurances (health, dental, home insurances) at a certain company, check if they offer car insurance as well. They can provide discounts for existing clients.

Best Car Insurance

Best of Car Insurance

Car insurance is very important because the risk of getting hurt in an accident or hurting somebody else is very high and utterly unpredictable. What you can predict is ensuring yourself with the best car insurance that can cover the financial expenses resulting from such an unpleasant happening. As with any other type of insurance, you need to carefully check with as many companies and offers as possible before you decide. Moreover, you need to keep in mind that you are not only ensuring your life but someone else’s as well.
A car insurance package has a few, very important coverage clauses regarding liability, collision and comprehensive coverage.

The liability coverage is necessary for a basic car insurance policy. This refers to the situation when you are at fault for the accident. The coverage will pay for the damages that you have inflicted on the other party involved in the accident, wages or medical bills. It may be unpleasant, but you need to consider all possibilities, even causing serious accidents, with multiple damages and grave bodily injuries to the others. In this case, it is unlikely that the company will cover all expenses and you may be left out in the open. That is why it is highly recommended to consider additional coverage, which may entail a higher premium but, this way, you will be secured. You can never be too careful when other people’s lives are affected at your fault. Collision coverage will finance the repairs to your own vehicle and it is the most expensive of all policies. Comprehensive coverage will compensate the damages to your vehicle in case of an unlucky accident. This is where other factors come into play. The expenses and the premium will differ according to the age of the vehicle, the age of the driver, the people that usually drive the car (one or more). The younger the driver, the higher is the premium. On the other hand, if the car is older, the premium will be lower. The comprehensive coverage is deductible which means that the insurance company will finance you according to the actual worth of the car at the time of the accident.

You will find the best car insurance by researching the internet which is full of information on insurance quotes from professionals that you can contact by phone or schedule a meeting with. Online, you can fill out forms with the details of your car insurance profile. Your needs will be analyzed and, within 24 hours, you will receive an answer with compared prices and offers of various insurance companies that fit your requests.
Another way to get closer to the best car insurance is by reading the online forums where buyers and car owners will post their complaints about certain companies and you will know what to avoid. There are fewer who will post about their satisfactory insurance policy but all these testimonials supply valid information, as they come from practical experience. Furthermore, you can ask the repair shops that deal with the insurance companies because they know best the complaints and the claims settled by them. You should take into account these ratings when looking for the best car insurance.
Be careful about the tricks some sites employ: some of them are affiliated with insurance companies or are created by the companies themselves; therefore they are unable to provide you with impartial advice.
Also, if you have other types of insurances (health, dental, home insurances) at a certain company, check if they offer car insurance as well. They can provide discounts for existing clients.

Best Car Insurance

2009 Ferrari 599 GTB Fiorano

2009 Ferrari 599 GTB Fiorano

2009 Ferrari 599 GTB Fiorano Specification

- 5,999 cc 6.0 liters V 12 front engine with 92.0 mm bore, 75.2 mm stroke, 11.2 compression ratio, double overhead cam, variable valve timing/camshaft and four valves per cylinder
- Premium unleaded fuel 91 and petrol
- Fuel consumption: EPA 08 city (mpg): 11, highway (mpg): 15, combined (mpg): 12, 535 and 332
- Multi-point injection fuel system
- 27.7 gallon main premium unleaded fuel tank 23.1
- Power: 462 kW , 620 HP SAE @ 7,600 rpm; 448 ft lb , 607 Nm @ 5,600 rpm

2009 Ferrari 599 GTB Fiorano

2009 Ferrari 599 GTB Fiorano

2009 Ferrari 599 GTB Fiorano Specification

- 5,999 cc 6.0 liters V 12 front engine with 92.0 mm bore, 75.2 mm stroke, 11.2 compression ratio, double overhead cam, variable valve timing/camshaft and four valves per cylinder
- Premium unleaded fuel 91 and petrol
- Fuel consumption: EPA 08 city (mpg): 11, highway (mpg): 15, combined (mpg): 12, 535 and 332
- Multi-point injection fuel system
- 27.7 gallon main premium unleaded fuel tank 23.1
- Power: 462 kW , 620 HP SAE @ 7,600 rpm; 448 ft lb , 607 Nm @ 5,600 rpm

2010 Honda Accord

2010 Honda Accord Performance & Efficiency Standard Features

Engine: 2.4L in-line 4 double overhead cam with VVT ( 10.5 :1 compression ratio ; four valves per cylinder)

-

Fuel: unleaded ( 87 octane)

-

Fuel consumption: city= 21 (mpg); highway= 31 (mpg); combined= 25 (mpg); vehicle range: 462 miles

-

Multi-point injection fuel system

-

18.5 gallon fuel tank

-

Power: 177 HP ( 132 kW) @ 6,500 rpm; 161 ft lb of torque ( 218 Nm) @ 4,300 rpm

2010 Honda Accord

2010 Honda Accord Performance & Efficiency Standard Features

Engine: 2.4L in-line 4 double overhead cam with VVT ( 10.5 :1 compression ratio ; four valves per cylinder)

-

Fuel: unleaded ( 87 octane)

-

Fuel consumption: city= 21 (mpg); highway= 31 (mpg); combined= 25 (mpg); vehicle range: 462 miles

-

Multi-point injection fuel system

-

18.5 gallon fuel tank

-

Power: 177 HP ( 132 kW) @ 6,500 rpm; 161 ft lb of torque ( 218 Nm) @ 4,300 rpm

Cheap Car Insurance | Auto Insurance | Car Insurance | Car Insurance Quotes

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