Cara Money Exchange Di Sapta Makmur

Selain menyediakan Jasa Untuk Menjual Barang-barang Anda Tanpa Dipungut Biaya, Website Sapta Makmur juga menyediakan jasa Money Exchange dengan harga yang sangat murah. Sesuai dengan kebijakan Sapta Makmur harga Money Exchange bisa berubah-ubah sewaktu-waktu dan di bawah ini adalah harga yang ditetapkan oleh Sapta Makmur.


Untuk Cara Money Exchange Di Sapta Makmur anda bisa membaca langkah-langkah di bawah ini :

1. Pertama-tama kunjungi terlebih dahulu Website Sapta Makmur.
2. Setelah itu klik Menu Money Exchange, maka anda akan dibawa ke halaman Money Exchange.
3. Lalu lengkapi form yang ada di sana dengan ketentuan sebagai berikut :

- Name : Isikan dengan nama lengkap anda.
- Email Address : Isikan dengan alamat email anda.
- Total Money ($) : Isikan dengan jumlah uang yang ingin anda tukarkan (dollar USD).
- Send : Jika anda ingin menukarkan uang dari account Liberty Reserve ke Paypal, maka anda harus memilih Liberty Reserve pada kotak dropdown Send.
- Receive : Jika anda ingin menukarkan uang dari account Liberty Reserve ke Paypal, maka anda harus memilih Paypal pada kotak dropdown Receive.
- Your Bank Address (Send) : Isikan dengan alamat bank anda sesuai dengan pilihan bank pada kotak dropdown Send.
- Your Bank Address (Receive) : Isikan dengan alamat bank anda sesuai dengan pilihan bank pada kotak dropdown Receive.
- Our Bank Address : Isikan dengan alamat bank Sapta Makmur.

a. Jika anda ingin menukarkan uang dari account Alertpay ke Liberty Reserve/Paypal/Perfect Money, maka anda harus mengisikan saptamakmur@gmail.com pada Our Bank Address.
b. Jika anda ingin menukarkan uang dari account C-Gold ke Liberty Reserve/Paypal/Perfect Money, maka anda harus mengisikan 27782 pada Our Bank Address.
c. Jika anda ingin menukarkan uang dari account Liberty Reserve ke Paypal/Perfect Money, maka anda harus mengisikan U7889286 pada Our Bank Address.
d. Jika anda ingin menukarkan uang dari account Moneybookers ke Liberty Reserve/Paypal/Perfect Money, maka anda harus mengisikan 14729442 pada Our Bank Address.
e. Jika anda ingin menukarkan uang dari account Paypal ke Liberty Reserve/Perfect Money, maka anda harus mengisikan saptamakmur@gmail.com pada Our Bank Address.
f. Jika anda ingin menukarkan uang dari account Perfect Money ke Liberty Reserve/Paypal/, maka anda harus mengisikan U2276638 pada Our Bank Address.

4. Kemudian tekan tombol Exchange.
5. Langkah selanjutnya transfer uang yang ingin anda tukarkan ke alamat bank Sapta Makmur (Our Bank Address).
6. Tunggu hingga beberapa menit, maka Sapta Makmur akan memproses transaksi yang anda lakukan dan segera mengirimkan uang ke alamat bank anda.

Info :
1. Sapta Makmur hanya buka pukul 02.30-04.30, 14.00-16.30 dan 06.15-20.00 WIB.
2. Penukaran uang pada saat jam tutup akan diproses pada saat jam buka.
3. Penukaran uang juga bisa melalui email saptamakmur@gmail.com dan YM.

Car Insurance Comparison Poll Result

Thanks to all of you who voted in our recent poll. Well, the results are in and the clear winner is…

…Tescocompare.com

Despite being a relative newcomer to the car insurance comparison market Tescocompare.com received 44% of all votes. Moneysupermarket.com came second with Gocompare.com making up the top three.

It would appear a three horse race to by comparison king may be emerging as Confused.com, Comparethemarket.com and uSwitch.com received only 7% of the vote between them.

Car Insurance Comparison Sites

As more and more price comparison sites spring up offering a facility to compare car insurance online the quality of service offered is apparently falling.

According to a recent investigation by the FSA several car insurance comparison providers are not working to best practices in terms of providing accurate and relevant results.

If you are considering using price comparison sites to shop around for your car insurance check out the FSA’s findings before proceeding.

A high quality price comparison site can be an invaluable tool when searching for car insurance, but if a few bad eggs are entering the market being able to trust the service you use has never been more important.

Green Car Insurance

Green car insurance is a subject that is cropping up more regularly than ever in the UK.

As concerns over global warming continue to grow, companies in all sectors of business are looking at how they can reduce the damage they cause the environment.

The car insurance market is no exception; but is green car insurance a good idea?

This type of policy works by providing funds to environmental projects that offset the carbon emissions you produce when driving. At first glance taking out a green motor insurance policy seems to be an interesting proposition and will certainly appeal to the environmentally conscious.

As the wave of environmental anxiety continues to wash over the world a new range of green car insurance companies have sprung up offering motorists the opportunity to play their part in helping remedy the situation. Let’s take a look at some of them.

Green Car Insurance Companies

eGreen Insurance – when you take out a green car insurance policy with egreeninsurance they will take £25 from your premium and buy half an acre of rainforest. This prevents the land from being destroyed and helps combat climate change by offsetting the CO2 emissions produced by your car.

The Green Car Insurance Company – this environmentally friendly insurer runs a programme to offset 100% of your car’s carbon emissions with projects that include planting new forests in Scotland.

ibuyeco – their 100% carbon neutral insurance works with environmentally friendly projects to save 1kg of emissions for every 1kg of CO2 produced by your vehicle. To achieve this they work with renewable energy and landfill projects all over the world.

More Th>n – a slightly different take on green car insurance. The More Th>n Green Wheels policy helps its customers to develop a greener driving style. As a policy holder you are given access to information on your braking and accelerating rates, the number of short journeies made and more to help you become more environmentally aware when driving.

So if you are considering taking out a green car insurance policy there are certainly several options to choose from. However, we still need to answer the question of whether or not it’s a good idea.

The main plus point of green cover is clear, help combat global warming by offsetting your carbon emissions. In isolation this sounds great but there are several other factors to consider.

The most important factor is whether or not your policy offers the level of protection you need and for many people cost is a very close second.

In order for a green car insurance policy to be a viable option it has to meet these two main criteria; provide you with the right level of cover at an affordable price.

If green car insurance appeals to you it is well worth comparing the policies and premiums available against those of the more traditional insurers. While it’s great to help the environment it is still essential to get quality cover at a competitive price.

A final point to remember is that a green car insurance policy isn’t the only way motorists can help the environment. If you find cheaper cover while switching to a new insurance provider you could always consider donating the money saved directly to programmes designed to combat the effects of carbon emissions.

Free Press Release

Are you ready with your press release and searching for a good site to publish it and get maximum traffic? Free Press Releases can do miracle for you, driving traffic to your site, and these people coming to your site, may be your potential customer and that can boost your sales.

Best Comparison Row

Following the announcement that Moneysupermarket.com has been named the best price comparison site for car insurance its major competitor has hit back labeling the claims biased.

Clearly not wanting to be out done Confused.com have claimed independent research by Consumer Intelligence found not only they but also Tescocompare.com were in fact cheaper than Moneysupermarket.com when in came to comparing car insurance online.

Confused.com, currently promoting a £1million pound give-away competition, slated the recent Ipsos MORI survey as being own-funded and contradictory to independent research.

So who really is the best?

As this argument rages on we want to know who you think is the top comparison site when shopping around for your car insurance. See the results of our poll.

Was Moneysupermarket.com The Best For You?

A recent mystery shopper survey by independent research company Ipsos MORI has found price comparison giant Moneysupermarket.com to be the best comparison engine for people searching for cheaper car insurance.

When compared (pardon the pun) against its major rivals moneysupermarket.com was almost twice as likely to find the cheapest quote, battering its closest competitors including:

• Confused.com
• Gocompare.com
• Comparethemarket.com
• Uswitch.com
• Tescocompare.com
  

Moneysupermarket.com are certainly the dominant force in the UK price comparison industry with a total market share of more than 50% and their car insurance comparison tool retrieves quotes from more than 60 insurance companies.

But were they best for you? We’d wanted to know which comparison site you think is the best when it comes to buying car insurance. See the results of our poll.

FAQs on COBRA subsidy extension: how long, what if you've dropped coverage already, etc.

eHealthInsurance.com has put out a useful Q&A re: the recent extension of the federal COBRA subsidy. Take a look.

Insurance news: CA workers-comp deal falters, unusual auto sting in PA, and couple allegedly fakes husband's death in life-insurance scam

In California, the state's bid to sell off part of its workers compensation fund has collapsed amid a legal tug-of-war, the LA Times reports.

The New York Times editorializes on "the case for reform" of health care.

An unusual auto-insurance sting took place in Pennsylvania, where 24 people were arrested for alleged fraud. Most of them were allegedly New Yorkers who were saving an estimated $1k to $4k a year on auto insurance by claiming that they lived in Pennsylvania. Insurance Journal has the story.

National Underwriter reports that insurers are sweating proposals to cut crop insurance.

Korea Times reports on the case of a couple who allegedly faked the husband's death -- including videotaping his fake cremation -- in an alleged life-insurance scam. He's been arrested.

Locally here in WA, the Tri-City Herald and (Tacoma) News-Tribune reported on rising numbers of people with no health insurance, as did the Vancouver Columbian.

Limit Your Mileage For Cheaper Car Insurance

Just a very quick post to highlight a very quick money saving tip:

If you’ve applied for car insurance before you’ll know the insurer/broker/comparison site always ask you’re expected annual mileage.

The answer you give has a direct impact on the cost of your car insurance premium.

However, you can use this to your advantage. Before you next apply for a car insurance policy work out how many miles you expect to drive in the next 12 months and if it’s lower than you normally say make sure you let your insurer know.

Driving fewer miles means less chance of having an accident, less chance of making a claim and, in the eyes of insurers, makes you less of a risk.

The result can be a nice little reduction in your car insurance quote. I’ve just tested this myself on moneysupermarket.com and I was able to cut my potential quote from £411 to £390, a saving of just over 5%

This is a great little saving that’s so easy to do, give it a try!

Klasemen Liga Super Swiss 2009/2010

Cara Menjual Barang Di Sapta Makmur

Website Sapta Makmur merupakan Toko Online satu-satunya di Indonesia yang menyediakan jasa menjual berbagai macam barang untuk para membernya dan tanpa dipungut biaya sepersenpun. Oleh sebab itu kesempatan ini harus bisa anda manfaatkan untuk menjual barang-barang anda dengan tujuan untuk meraup keuntungan sebesar-besarnya. Seandainya setiap hari anda mampu menjual 3 Ebook anda dengan harga Rp. 50.000 tanpa memerlukan modal sedikitpun, maka penghasilan anda setiap bulan adalah Rp. 4.500.000. Sangat fantastik dan menghebohkan karena hanya berdiam diri di rumah dan kirim Ebook ke sana ke mari melalui e-mail mampu menghasilkan uang yang begitu besar. Untuk panduan Cara Menjual Barang Di Sapta Makmur anda bisa mempelajari langkah-langkah di bawah ini :

1. Pertama-tama daftar terlebih dahulu Di Sini untuk menjadi member Sapta Makmur. Jika kesulitan anda bisa membaca Tutorial-nya Di Sini.
2. Setelah berhasil mendaftar dan mendapatkan sebuah PIN dari Sapta Makmur, maka anda sudah bisa untuk menjual barang-barang anda di Website ini, lalu klik Menu Sell Product pada halaman Home maka anda akan dibawa ke halaman Sell Product.
3. Lalu lengkapi form yang ada di sana dengan ketentuan sebagai berikut :

- Email Address : Isikan dengan alamat email yang anda gunakan untuk mendaftar di web ini.
- PIN : Isikan dengan PIN anda (PIN akan dikirimkan melalui email setelah anda mendaftar di Website Sapta Makmur).
- Product Name : Isikan dengan nama produk yang ingin anda jual.
- Short Description : Isikan dengan deskripsi singkat tentang produk yang ingin anda jual.
- Detail Description : Isikan dengan deskripsi yang lebih detail tentang produk yang ingin anda jual.
- Category : Isikan dengan kategori yang cocok dan sesuai dengan produk yang ingin anda jual.
- Price (Rp) : Isikan dengan harga produk anda (rupiah).
- Discount (%) : Isikan dengan potongan harga yang anda berikan kepada pembeli.
- Picture : Isikan dengan gambar produk yang ingin anda jual.
- Bank Address : Isikan dengan alamat bank anda (BCA/Paypal/Libertyreserve/Perfect Money).

4. Kemudian tekan tombol Sell Product.
5. Setelah 1-2 hari maka produk yang anda jual akan ditampilkan pada Website Sapta Makmur selama-lamanya.
6. Jika nanti ada seorang pembeli, maka anda akan mendapatkan email pemberitahuan dari Sapta Makmur yang berisi alamat, identitas lengkap pembeli dan info-info lainnya.
7. Kemudian kurang lebih sekitar 2-3 hari uang dari hasil penjualan produk anda akan dikirimkan langsung ke alamat bank anda. Jika anda menggunakan bank internet maka dalam hal ini sebelum uang dikirimkan ke account bank internet anda, mata uang dalam bentuk rupiah akan dijadikan dollar terlebih dahulu sesuai dengan kurs mata uang saat itu jika pembeli membeli produk melalui BCA.

Info :
1. Sapta Makmur tidak memungut biaya apapun dalam transaksi ini.
2. Biaya pengiriman barang di tanggung sendiri oleh penjual.
3. Dalam 1 hari anda hanya diperbolehkan mempublikasikan 1 produk yang ingin anda jual.

Klasemen Liga 1 Perancis 2009/2010

Car Insurance On eBay

From antiques to video games you can find just about anything on eBay, the world’s largest online auction site.

Now it seems we can add car insurance to the ever-growing list of services offered by the UK’s most successful online marketplace.

eBay have teamed up with insurancewide.com to offer a car insurance quote comparison service on their eBayMotors section – a site visited by more than three million of us each month and where a car is sold every two minutes.

For those who use eBayMotors the opportunity to compare car prices and car insurance in the same place should be greeting as an extremely convenient set-up.

After all, how many times have you set your heart on a car only to realise you can’t afford the insurance. Checking the costs alongside each other has the potential to make the buying process run much more smoothly.

Insurancewide.com and eBay are combining to offer a service that should be commended. If you should ever find yourself surfing for a car on eBay why not try their new insurance service too and drop us a comment to let us know your thoughts.

"Reputational risk" insurance follow-up: Researchers put a price tag on the Tiger Woods scandal

Two weeks ago, we mentioned that idea of "reputational risk" insurance being floated in the wake of the Tiger Woods scandal.

But how to measure the damage? This is not like, say, a fire, where an insurer can simply tally up structural damage and replacement cost of contents.

Well, yesterday two professors from the University of California, Davis attempted to put a price tag on the damage, and the number's pretty astounding.

Professors Christopher Knittel and Victor Stango estimate that shareholders in the companies that Woods endorsed lost a total of $5 billion to $12 billion in value in the time between his much-publicized SUV crash and his announcement that he was leaving golf indefinitely. And those calculations don't include losses to Wood's current- or future endorsement income.

Interestingly, the researchers concluded that Woods' sports-related endorsees suffered substantially more economic damage than non-sports companies, like business consultant Accenture.

Blog In Da Box

Didn't you always wanted to get expert help on you blog or webpage promotion? Well, Blog In Da Box is the perfect destination. The blog is all about learning how to manage and promote your stuff so that without much hassle you can be one of the best and your page or blog can compete with the top guns in the field. This blogs have many tutorials about different services which can help you get your blog's content to reach masses. Didn't you always wanted to see your post whenever you something on any search engine like google or yahoo? Well you can get tips and tricks to do that too from here. This is one of the best Internet Marketing Blog i have seen in last year, i believe cause before that i didn't even knew what was that........

Buy Essays

Being a student is a very fun and important path to go through. It is very fun because we gain a lot of knowledge and experiences in this stage, spread our networks, and add more and more friends. Then it’s important because this is the step which we strengthen our basic skills that are very important for our future.

Is it to strengthen our basic skills? What are they? Yes. When we were students, we taught to be more responsible. We were taught to do a lot of researches, find a lot of references, then tell others about our thoughts and perspectives. We tell others by write our thoughts to essays and other writings. Unfortunately, not all of students are good in writing. It is not the end of the world actually. It is because now we can buy essays for research, custom, dissertation, and other kinds of essay nowadays. For those who need them, you can buy a cheap custom essays at essay sites around the internet.

Buy sample essays for students actually is not a harmful thing because it helps students to boost up their GPAs and make their future better. For those who are interested can browse Premium-papers.com. Have a nice browse there and hope you will get a very good future.

Free Press Release

Are you ready with your press release and searching for a good site to publish it and get maximum traffic? Free-Press-Release can do miracle for you, driving traffic to your site, and these people coming to your site, may be your potential customer and that can boost your sales.

Insurance news: Green River levees, a deeper look at health-reform bills, and a good 2009 for catastrophes...

In local news, the Seattle Times writes about the potential flood risk of decades-old, poorly-maintained levees in the Green River Valley.

Time details some of the high-visibility things that would kick in immediately under health reform, versus the 2013 start date for much of the legislation.

The Seattle Times covers Congress' moves to close Medicare's infamous "doughnut hole."

A good year: Reinsurer Munich Re AG says that catastrophe costs were down in '09.

The AP reports on a provision in health-reform legislation that would "nudge" people into getting long-term care insurance, at a projected cost of $160-$240 per month deducted from their paychecks.

Great Car Insurance Resources

The world of car insurance can be a complicated one. So I thought I’d share the best resources I’ve found to help you navigate the car insurance maze.

Whether you want to find a cheaper/better policy or simply want to better understand how your car insurance works these sites and tools can help.

Price Comparison Websites

Extremely useful for searching hundreds of car insurance quotes quickly and easily:

1. confused.com - Searches 97% of car insurance companies to find you quotes

2. moneysupermarket.com - Compares motor insurance quotes from 50 insurance providers

3. uswitch.com - Finds quotes from more than 40 insurers

4. tescocompare.com - Provides quotes from a pane of over 30 insurance companies

5. gocompare.com - Access quotes from over 50 leading insurance providers

6. comparethemarket.com - Searches over 400 policies from big name insurance companies

Female Drivers

These sites specialise in tailoring policies to meet the needs of female drivers:

7. sheilaswheels.com - Find cheap online insurance for female drivers, including handbag cover

8. diamond.co.uk - A girl's best friend with cheaper insurance for women drivers

9. girlmotor.com - Cheaper car insurance for women in three simple steps

Young Drivers

Quotes for young drivers are usually much higher than average, these sites understand that:

10. 4youngdrivers.co.uk - Excellent for drivers over 19 with one years no claims discount

11. 17to40.co.uk - Focuses on individual circumstances to help young drivers get cheaper cover

12. hootcarinsurance.co.uk - Provides young driver quotes from more than 30 insurance companies

Classic Cars

If ever a specialist motor insurance policy was required it is for a classic car and these insurers are experts in this particular field:

13. lancasterinsurance.co.uk - Get classic car insurance quotes from a panel of leading UK insurers

14. footmanjames.co.uk - Quotes for classic and vitange vehicles at competitive prices

15. peterbestinsurance.co.uk - Offers policies specifically designed for classic car owners

Performance Cars

For those who enjoy sports cars and modifications check out these sites that can help you lower your premium:

16. adrianflux.co.uk - Searches 40 insurance companies to find great quotes for modified cars

17. performancedirect.co.uk - Helping to bring down sports car insurance for more than 35 years

18. peart.co.uk - Specialise in offering competitive quotes on performance vehicles

Tips & Guides

Knowledge is power and these helpful sources offer some great ideas for lowering the cost of your insurance:

19. carinsuranceguide.org.uk - Detailed and impartial car insurance guides

20. moneysupermarket.com - Indepth 12 page guide covering a range of car insurance topics

21. uswitch.com - Four page car insurance guide from quote to claim

22. carinsurancemanual.co.uk - A useful list of car insurance providers and articles

23. msn.com - Covers the basics of car insurance

24. theaa.com - A guide to car insurance groups

25. moneysavingexpert.com - Great car insurance money saving guide

26. motorinsurance.co.uk - Useful guide to choosing the right type of policy

27. yahoo.com - Car insurance Q&A with Yahoo.com

28. find.co.uk - All-round car insurance guides with insightful tips

29. gocompare.com - A buyers guide to cheaper car insurance

Forums

Where better to discuss insurance providers and claims experiences, the information picked up can be of great use in selecting an insurer or making a claim:

30. moneysavingexpert.com - One of the busiest car insurance forums around

31. moneysupermarket.com - Hundreds of threads discussing quotes, claims and companies

32. usedcarmart.co.uk - Discussions including cheap quotes, young drivers and making claims

33. ukinsuranceforum.co.uk - A forum dedicated to discussing UK insurance

34. rac.co.uk - Nice forum from the RAC offering advice on accidents and claims

Reviews

Find out how other customers rate their insurance provider and share your opinion with others:

35. reviewcentre.com - Read hundreds of reviews on UK car insurance providers

36. ciao.co.uk - Detailed reviews of car insurance companies complete with ratings

37. uk-insurance-index.co.uk- Read dozens of online reviews and write your own

Glossaries

Confused by terminology? Check out these great A-Z car insurance glossaries:

38. abi.org.uk - Detailed car insurance glossary from The Association of British Insurers

39. gocompare.com - Useful jargon buster to help understand car insurance terminology

40. 17to40.co.uk - A great A-Z designed to help younger drivers

News

Keep up to date with all the latest car insurance developments with these great news services:

41. google.co.uk - Search Google for up-to-date car insurance news

42. yahoo.com - Read car insurance news articles on Yahoo

43. bbc.co.uk - Keep up to date with motor insurance news on the BBC

Last But Not Least

Two other free online tools that everyone should be using:

44. abi.org.uk - Find out the insurance group of any vehicle

45. mileagecalculator.co.uk - Calculate your mileage online

So there you go, 45 free online resources to help in your quest for cheaper and better car insurance, happy surfing!

Young Driver Car Insurance

In a recent post we explored reports that many insurance providers had started refusing quotes to young drivers. While many news articles focused on the negative side of this story we preferred to look at offering a solution to the problem.

And here it is; our ultimate guide to young driver car insurance. A look at why motor insurance is so expensive for younger drivers and 14 in-depth tips to securing a cheaper premium now and in the years to come…

So why is young driver car insurance more expensive in the first place?

The main reason many young drivers face having to more from their motor insurance is down to “perceived risk”. One of the main factors insurance companies consider when calculating the cost of your premium is how likely you are to actually make a claim. The more likely an insurer thinks you are to claim on your policy the higher your premium will be.

And how exactly do they calculate risk?

Every insurance company use slightly different criteria to calculate risk and will give different weightings to those criteria. Those differences aside, all insurance providers will consider a group of key factors:

• Age
• Driving experience and record
• Claims history
• The car you drive
• Post code
• Gender
  

What does this mean for younger drivers?

These factors having so much influence on the price of a car insurance quote spells bad news for younger drivers and the problem is made more frustrating by the fact many are out of your control. Let’s look at these areas in more detail and see just how much of a problem they can cause:

• Age – young drivers are just that, YOUNG, if insurance companies are going to hold that against you there’s little you can do.

• Driving experience and record – well if you’re YOUNG you won’t have much experience on the roads to help get a cheaper quote will you? Worse still, if you’ve managed to add a blemish or two to your record in this short time then your premium will be even higher.

• Claims history – again, if you’re YOUNG with LITTLE EXPERIENCE how can you have built up any no claims discount? And if you’ve already had to make a claim that will go against you as well.

• The car you drive – if you are lucky enough to be able to afford a nice new car expect to pay for that privilege with a higher premium, if you can only afford a cheap death trap expect to pay a higher premium, if you’re a motoring enthusiast who likes to modify their car, surprise, expect to pay a higher premium – anything out of the “middle of the road” norm and insurance companies will feel justified in increasing the cost of your policy.

• Post code – unsurprisingly some areas on the country are worse for accidents and thefts, usually these are big urban cities such as London, Manchester and Liverpool. More accidents and thefts equal more claims which equal higher premiums. So if things weren’t looking bad enough already, if you live in such as area the outlook just got a whole lot worse.

• Gender – and just to round things off young male drivers are persecuted a little further with the “boy racer” tag which will raise the cost of your premium no matter how competent and safe a driver you really are, talk about prejudice!
  

To summarise this little section of the guide; the more of these factors you have going against you the harder it will be to find car insurance at a reasonable and affordable price.

How Can Insurance Companies Justify This?

In one word, STATISTICS!

Insurance companies love statistics and much of the research conducted goes a long way to supporting their approach of charging more to cover young drivers.

Many of these reports highlight the fact that younger drivers:

• Speed more
• Are involved in more accidents
• Injure and kill more people on the roads
• Are more likely to drive under the influence of alcohol or drugs
• Suffer more thefts
• And as a result make more claims!
  

You can read more about these figures at www.abi.org.uk

All these stats and facts result in the “perceived risk” that leads to car insurance providers dishing out higher premiums to younger drivers. And it is the worsening of this situation that has resulted in several insurers turning young drivers away.

Is There Any Good News?

It’s fair to say that having read the guide to this point the picture looks very bleak indeed. Insurance companies take a dim view of younger drivers and the statistics back them up.

However, it is important that we understand the problems in order to combat them and find a solution, and this is exactly what we are going to do.

OK, Now For The Good Stuff!

14 Great Tips To Help Younger Drivers Lower Their Car Insurance Premiums

By combining as many of these tips as possible you can significantly lower the cost of your insurance.

• Take the PASS PLUS course – I wanted to get this one out of the way first as it’s only an option within 12 months of passing your test. Choosing to take this advanced driving course can help lower your insurance costs as some companies offer a discount to drivers who have passed the course. The discounts will vary from one provider to another. In addition to cheaper motor insurance the course also reduces the risk of having a crash by improving your skills and experience on the roads, in the long-term this can help build trust with insurers and lower your premium even further. Visit the PASS PLUS site to learn more

• Avoid modifications – adding “mods” to your car is a bad idea for younger drivers and helps promote the “boy racer” tag that insurers use to bump up your premium. By resisting the temptation to “soop up” you can help prevent your quote from going any higher. If you do decide to modify your motor make sure you let your insurer know as failure to do so could mean your policy is invalid when you make a claim. This scenario could make getting future car insurance an even harder prospect.

• Improve security – any money saved on modifications could be better spent improving the security of your vehicle. Fitting an approved alarm and immobiliser system reduces the chance of theft (which makes you less of a risk) and can help lower your quote. Parking more securely at night, such as on the drive or in a garage also improves security and lowers insurance costs. Make sure your insurance company is fully aware of the efforts to which you are going.

• A smaller engine – remember when we said the car you drive affects your premium? One of the main reasons younger drivers have more accidents (and pay higher premiums) is that they aren’t experienced in controlling powerful vehicles. Opting for a 1.0 or 1.2litre engine (in a low insurance group) will result in far cheaper insurance compared to a 4litre super charged turbo! Also you will benefit from cheaper road tax and petrol costs, the savings from which can offset the cost of your insurance and make it cheaper.

• Going on your own insurance and building up no claims bonus – I won’t lie, in the short-term this could sting a little but past that point the savings are huge. Typically one year’s no claims will result in a 30% discount on your premium and by building up four or more years the discount can be between 60-70%. With this in mind going on your parents insurance to lower the cost in the short-term makes little sense. Some insurance companies allow named drivers to build up no claims bonus but usually this is not transferable to another provider.

• Look for rapid bonus schemes – when taking the plunge of going on your own insurance keep an eye out for rapid bonus schemes. These deals allow you to build up one year’s no claims bonus within 9-10 months as apposed to the traditional 12. This is great way of accessing the discounts available by having a no claims bonus more quickly.

• Look for worthwhile cash back offers – as well as rapid bonus schemes look to take advantage of cash back deals offered by insurance companies. Insurance providers operate in a highly competitive market and frequently offer these incentives to attract customers. Cash back offers between £50-£75 are not uncommon and can act as a nice little saver on the cost of your policy.

• Shop around online – with so many companies and policies available using the internet to speed up the process is a good idea. Price comparison websites such as confused.com and moneysupermarket.com compare quotes from dozens of insurance companies and a search only a takes a few minutes. The results, (while not 100% accurate) provide a quick overview of the prices available and let you find the deals that are right for you at a reasonable price. A little bonus tip here, HAGGLE! Once you have these quotes to hand try to barter with the insurers and challenge them to beat your lowest quote. We’ve already discussed how competitive the industry is and this is where you can take advantage and lower your quote even further.

• Consider specialist insurance companies – as well as getting quotes from mainstream companies don’t forget to check out those who specialise in young driver car insurance. Companies such as 4youngdrivers and Adrian Flux provide cover for many young drivers and are well placed to offer competitive quotes. Again use your influence as a potential customer to drive the price down as far as possible.

• Offer a higher voluntary excess –this is a useful tool but one that should be used with caution. By volunteering to pay a higher excess the cost of your quote will fall as there is less liability for the insurer. The important point to remember is not to set your excess at a level you could not comfortably afford to pay in the event of a claim.

• Limit your mileage – reducing your perceived risk is a major weapon in your arsenal for lowering car insurance premiums and limiting your mileage does just that. If you are on the road for a shorter amount of time you are less likely to be involved in an accident. By working out how many miles you will drive over the year and agreeing to stick to that limit it is possible to negotiate a further reduction in your premium. Be sure to leave yourself a few miles in reserve just in case.

• Pay upfront rather than monthly – in theory paying in monthly installments sounds like a good idea. In reality it can be very costly. Most insurers charge interest on monthly payments which increase the overall cost of your premium. Paying upfront may put a dent in your budget for a while but it is usually the cheaper option. Occasionally some insurers offer monthly payments that don’t incur any fees, if you can find a deal like this then great, if not it is better to bite the bullet and pay upfront.

• Insure third party only – if your car is worth relatively little you may want to consider only insurance yourself for claims made against you rather than covering damage and theft to your own vehicle. In some cases the cost of replacing a cheap vehicle may be less than taking out a comprehensive insurance policy.

• Drive safely, carefully and responsibly – I thought we’d finish with a nice easy one and this harks back to those young driver statistics we mentioned earlier. Sadly all young drivers get tarred with the same brush so by proving yourself to be a competent and trustworthy driver your premiums will fall. Avoid speeding tickets and other driving penalties and the savings happen sooner than you might think. Combine this with building up your no claims and insurers will soon be queuing up to offer you car insurance at a discounted rate.

One point that has become apparent in this guide is young drivers still face a challenge to find affordable car insurance. The trick is to make this difficult period as short as possible. Hopefully, following the tips above will help you to find the best deals, gain the trust of insurance companies and get started on the road to cheaper premiums.

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In Washington, state rate reviews have shaved $300 million from auto, homeowners premiums

Rate reviews by the Washington state insurance commissioner’s office have shaved more than $300 million from Washingtonians’ auto and homeowners insurance bills over the past decade.
“Few people know about this process, but it’s a crucial part of our consumer-protection role,” said Insurance Commissioner Mike Kreidler. “By carefully vetting requested rate increases, we save people substantial money on their premiums.”
In order to change rates, some insurers in Washington must get approval from the state insurance commissioner’s office. The companies produce data and calculations showing their justification for the requested rate. The state’s actuaries then review the request.
Each request is viewed on a case-by-case basis. Some are approved as requested. But many of the approved rates end up lower than what the companies originally requested. The changes can save policyholders millions of dollars a year.
For example, from 2000 through Nov. 30, 2009, rate reviews by the Office of the Insurance Commissioner trimmed more than $55 million from proposed homeowners’ insurance rates.
For personal auto insurance, rate reviews saved consumers nearly $246 million. Here’s a breakdown, by year:
Year Change by OIC Savings to consumers

2000 -.1 percent $1.9 million

2001 -1.1 percent $22 million

2002 -.8 percent $16.9 million

2003 -2.8 percent $60.7 million

2004 -1.4 percent $32.2 million

2005 -.3 percent $7.5 million

2006 -.5 percent $12.8 million

2007 -.7 percent $18.2 million

2008 -1.7 percent $44.5 million

2009 -1.1 percent $28.8 million

A (Very) Belated Happy New Year To All

We’re a little late getting started this year but don’t worry, we’re back now and raring to go. So, what’s in store for the blog in 2008?

Well, plenty of money saving tips and guides for a start! Add to that reviews of providers and comparison sites and any other news from the car insurance arena.

All together a healthy mix of news, reviews and advice to make sure we all get the best deal possible from the car insurance premiums we so loath to pay.

Pretty soon we’re going to kick off the year with a look at what 2008 holds for the world of car insurance. So as the saying goes, WATCH THIS SPACE!!

Your Car Insurance

For most of us the hassle of managing our finances gets more difficult every year; food bills, petrol prices, council tax, utility bills and mortgages repayments are set to rise in 2008.

Add to that credit cards, loans, holidays, Christmas (yes I mentioned the “C” word in January) and 2008 is already shaping up to be an expensive and stressful year.

Insurance makes matters worse too; house, car, life, travel, pet the list goes on and on.

With all this to handle a little friendly advice can go along way so when it comes to car insurance we’re happy to start 2008 with an overview of what you can expect from your car insurance provider and how to get the best deal.

Lets start with the bottom line, money…

Cost

Car insurance in 2008 can be summed up in two words: HIGHER PREMIUMS

Nobody wants to pay them but this is what many of us will face in 2008 unless positive action is taken.

Insurance companies should exist to provide protection at a reasonable price. But many exist to make profit. All have expenses to cover and many have shareholders to please.

As a result they need to make more money. And where do they get this from? Us of course!!

Many insurance renewals this year will be sent out not with lower quotes to reward loyalty but with premium increases to take advantage of customer lethargy and improve revenue figures.

It’s not just existing drivers that will be targeted either; those who pass their tests in 2008 will face high motor insurance costs as companies use “high risk” drivers with no NCB to boost profits – young drivers, especially young make drivers (read “boy racer” in insurer’s eyes) will be ruthlessly targeted.

So how do we combat rising insurance costs in 2008? We start by confronting the insurance companies themselves…

Insurance Companies

As we’ve already said insurance companies exist to make profit BUT they also need to compete with each other to win our custom.

This is where we can push the advantage of “you need me more than I need you”.
When that renewal letter arrives odds are you will be looking at a rise in the cost of you car insurance premium.

Should this be the case call your insurer immediately and challenge the increase.

If you’ve made no claims during the year and built up more NCB then a rise in price is unfair and unacceptable. Insurers are banking on the chance you won’t fight back and in the majority of cases confronting your insurer will result in your premium being lowered in order for them to retain your business.

If you are getting insurance for the first time then shop around for quotes and play the insurers against each other, challenging them to beat the price offered by their competitors in order to win you as a valuable customer can lead to huge savings.

Remember insurance agents are under pressure to meet targets so use this to drive down the price.

Now that we’ve taken the first steps to avoiding higher car insurance costs we shouldn’t rest on our laurels. There are savings to be had if you’re prepared to spend a little time on the research.

Whether you want to switch from your current insurance company or you’re buying car insurance for the first time using price comparison sites can help…

Price Comparison Sites

Millions of people in the UK use price comparison sites every year to buy their car insurance online.

Using these sites you can search once and get quotes from around 50-60 insurance companies.

This is an excellent tool in helping to compare prices and unearth good deals, but how will they work in 2008?

Firstly there will be more of them, over the last few years the two main names were confused.com and moneysupermarket.com – in 2007 many others including gocompare.com, comparethemarket.com and tescocompare.com emerged.

In 2008 we can expect to see even more variations start up, trying to cash in by referring us to insurance providers

With more competition in the price comparison market our best bet is to use several of them to search for car insurance quotes, some will have better technology or exclusive offers so results will differ from site to site.

Nevertheless price comparison sites do take a lot of the hard work aware from getting quotes and if they can help us save money on our car insurance then they are certainly worth a few minutes of our time.

Armed with the knowledge that we can challenge our insurers over the cost of our policy and with a vast array of free comparison services at our disposal what is there to stop us making a saving on our car insurance in 2008?

Well in a word…

…us

One of the main factors in a customer paying high insurance premiums is the customer themselves…

Customers

Lets not mince words, we all hate insurance; it costs to much, takes time out of our lives to arrange and deep down we all think insurance companies are out to rob us.

The result of all these negative thoughts is we don’t link having to deal with insurance, we’d rather just push it to the back of our minds and forget about it.

But this is exactly what the insurance companies rely on when they send out your annual renewal (accompanied with a vicious price increase)

The onus is on you, me and all other customers to fight back and obtain a fair and competitive policy. Any remnants of being rewarding for your loyalty is fast evaporating from the insurance market.

Summary

There is no hiding away from it; 2008 is going to be hard on our finances and when it comes to car insurance we face the prospect of higher premiums

But all is not lost; we know we can use the competitive nature of the market against the insurance companies and that we can use price comparison tools to quickly compare a large number of quotes.

Once you find the best deal for you it’s time to be ruthless and switch.

Let battle commence!

Young Driver Car Insurance – All Is Not Lost

You may recently have read one of the many articles published announcing that several leading motor insurance providers have taken the decision to refuse quotes to young drivers.

Leading brands such as Swiftcover, More Th>n and Esure have apparently decided that young drivers are more trouble than they’re worth.

And when you look at some of the statistics being thrown around you can see where they are coming from:

• An eighteen year old is three times as likely as his/her parents to have an accident whilst driving.

• 17-25 year olds hold just 10% of all driving licenses but cause more than 20% of car accidents.

• One in three young male drivers will write off a car in their first year of driving.

• 25% of the convictions for causing death by dangerous driving are for drivers under 20

You can read even more of these “alarming” statistics here and here.

Other car insurance companies to take this step include; Sheilas' Wheels, Marks & Spencer and AXA and with more providers likely to follow suit this isn’t a small problem than can simply be ignored.

Now why these articles and stats make for good reading the truth is there are many young drivers out there, who drive responsibly and safely, who are suffering higher car insurance premiums due to actions of the minority.

Car insurance premiums for young drivers have historically always been high and this latest development will only make it more difficult to secure a reasonably priced policy.

But as the title says, all is not lost; there are many steps young drivers can take to help lower the cost of their insurance, such as:

• Avoiding modifications

• Driving a car with a smaller engine

• Going on your own insurance and building up no claims bonus

• Taking the Pass Plus course

• Offering a higher voluntary excess

• Shopping around online

• Limiting your mileage

• Looking for rapid bonus schemes to build no claims bonus more quickly

• Paying upfront rather than monthly

• Improving security

• Looking for worthwhile cash back offers

• Considering specialist insurance companies

• Insuring Third-Party Only if the car is relatively cheap

All these options are covered in greater detail in our ultimate guide to young driver car insurance.

Accident forgiveness: how it works

Some insurance companies are offering "accident forgiveness" as an option or to keep a valued customer.

Here, courtesy of the National Assocation of Insurance Commissioners, are some explanations and tips:

What is accident forgiveness?


Accidents can mean expensive repair and liability costs, and lead to higher premiums. Accident forgiveness means that an insurer agrees not to increase a customer ’s premium after the driver is involved in an at-fault accident. It is an enticing perk that many insurance companies offer either as part of a standard policy to loyal customers or as an additional endorsement that drivers with a safe driving record can purchase. Some companies also use it as an incentive to new customers for switching from another insurer. Insurers will often even extend the option to parents of teenage drivers.

While accident forgiveness can seem like a “free pass,” it’s important for consumers to understand the conditions and limitations associated with this option:

1. Is there a cost involved?

In some cases, accident forgiveness is included as part of a standard car insurance policy; however, you will typically pay a higher premium for a policy that includes this added protection. More often, accident forgiveness is offered as an additional endorsement – or coverage option – for a fee. Costs vary by insurer, so check with your current insurer as well as a few others if you’re looking for the best deal.

2. Who is eligible?

As with cost, eligibility may vary by insurer. Typically, qualification for accident forgiveness protection is based on two factors:

• Customer loyalty: Many insurers only offer accident forgiveness to customers who have been insured with the company for a certain number of years.

• Driving record: To qualify for the benefit, many insurers require that drivers have a clean driving record for several years. Not only will insurers look at your accident history, but some consider driving violations as well. That means that one speeding ticket could impact your eligibility.

3. Are all accident forgiveness policies created equal?

In a word, no. Policy conditions can vary greatly. Some policies require you to maintain a clean driving record for up to five years before you become eligible for accident forgiveness. With other policies, the coverage kicks in immediately. Similarly, some policies offer forgiveness for one accident while others forgive multiple accidents.

4. Does accident forgiveness make sense for you?

After an accident, insurers can raise your premiums by as much as 40 percent. If you are a safe driver who pays standard rates, then depending on the cost, accident forgiveness might not make sense for you. But if you have a history of violations and accidents and already pay higher rates, then opting for the benefit might help you save money in the long run. Talk with your insurance company or agent to learn more about how your rates might be affected by an accident.

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Car Insurance Rate Quotes

Auto Car Insurance Quotes can vary from person to person. There are many factors that are taken into account when setting up a car insurance policy such as what kind of car you have, what kind of company you are buying the insurance from, how much coverage you want, what your driving record is and even where you live. It's important to set a budget for yourself to know how much you can afford to spend on insurance. It's also important to know what type of coverage you will need for your car. You don't want a policy that gives you coverage you don't actually need.

Do some research to see what kind of policies are out there and make a list of the features that you feel are absolutely necessary for you to have in black and white. Take your time to make sure that you have listed everything you need. This is the only way to compare what insurance companies are offering right now that apply to you.

Once you have this information you can start comparing insurance rate quotes from different companies to see how much each company will charge you for the same type of coverage. Some companies will offer better types of coverage with certain vehicles than others. If you have a bad driving record it will impact on the premiums you need to pay for your policy every month. There is unfortunately not much to be done about it but to be a more considerate driver in the future. Eventually you will begin to save money as your policy progresses. Kick start the process by comparing car insurance rate quotes.

The area you reside in can have a strong influence on car insurance rate quotes. If you live in an area that has submitted a lot of claims over the last several months, your premium is likely to be higher. This is especially true of areas that have a higher crime rate and car break-in incidences.

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Car Insurance Comparison Market

Today sees the introduction of the latest financial comparison website to hit the UK. Tesco have launched tescocompare.com which will initially offer a car insurance comparison service before moving into other areas.

Facing fierce competition, in an already crowded market, that includes household names such as confused.com and moneysupermarket.com; Tesco, according to managing director Peter Dingle, aim to make an impact by focusing on accurate quotes and policy details:

“We have placed great emphasis on the fact that our site not only compares price but also looks at individual policy features to allow users to make sure they are getting the right policy for them. There will be no extra costs or charges when it comes to paying your insurance, the price quoted will be the same as if the customer went direct."

It is the last part “the price quoted will be the same as if the customer went direct” that is bound to stir up intrigue within the industry. One criticism of some motor insurance comparison services is that the quotes they find sometimes differ from what is offered upon application. This is because of assumptions the aggregator sites have to make and is something they continually strive to improve.

So how does tescocompare.com aim to deliver on this promise?

The tescocompare.com site has been launched in partnership with the Royal Bank of Scotland. The comparison service offered by this paring covers 25 insurance brands. They includes Churchill and Privilege; owned by RBS and Virgin Money, Lloyds TSB and Nationwide; underwritten by RBS.

By having this close control over the insurers on its panel their hope is they can provide greater accuracy. After the teething problems experienced by tescocompare.com on its debut it is hard to pass judgement on the quality of its service.

One notable absentee from the panel of compared insurers is Direct Line, one of RBS’ largest brands, who recently launched scathing attacks on the price comparison arena and appear to be sticking to their guns.

So will Tesco triumph in yet another industry? Only time will tell, they certainly have the brand power and the marketing budget but will limiting their panel to the RBS stable prove a wise move? Or will it restrict their ability to offer the cheapest car insurance quotes compared to sites such as confused who compare 95% of the market?

You decide…

Thecomparisons.com - Compare Car Insurance

Following the recent launch of tescocompare.com it appears another car insurance comparison site could be waiting in the wings.

Thecomparisons.com has been getting mentioned more and more in the last few weeks but we still have very little idea what the site will actually do. Although you have to admit this is a very clever way of generating buzz for a site before it’s even launched.

When first appearing on the radar, thecomparisons.com featured a
rather attractive logo of the “typical family” with a tag line promising to compare prices for the entire family.

While this has since been replaced with a more mundane “coming soon” message it has done little to dispel the intrigue surrounding the site.

With car insurance being one of the most lucrative areas of price comparison it would be a good bet that a facility to compare car insurance quotes will appear somewhere; of course we could be wrong about that.

However with one popular theory being that The AA is behind this mystery a facility to compare car insurance quotes seems a logic explanation.

So we wait in anticipation to see what thecomparisons.com has to offer, will they help people find cheaper car insurance? Or will they be another poor site in an already crowded market?

I guess we’ll have to wait and see. On a lighter note if it turns out we like thecomparisons.com then we can all be friends on their myspace page.

If anyone has any knowledge of what’s going on with thecomparisons.com please share it with us in the comments.

Comparethemarket.com

Recently the blog received a comment from FrankPR who handle promotional campaigns for price comparison website comparethemarket.com. They were interested to know what I thought of the car insurance comparison service offered by their client.

Comparethemarket.com has been around for a couple of years now providing price comparison for a range of insurance products. The site recently underwent a facelift in preparation for a massive TV campaign to advertise their car insurance channel.

Always willing to please I made a visit to comparethemarket.com to test out their car insurance finder. Here’s what I thought…

First impressions...

…the first impression of the site is a very positive one, the layout is extremely user-friendly, taking care not to overload you with too much information, navigating to the car insurance comparison tool is simple enough even for the most novice user.

So, what about the comparison service itself...

The question set you have to fill in may well be interpreted by some as being ‘too long’. In truth I would prefer to call in thorough; the site says you can compare quotes in 4 minutes and that seems about right from the searches I performed.

One thing to remember when using price comparison websites is the more questions you answer the more accurate your quotes will be. If you want to use a service where the questions can be answered in seconds be ready to receive inaccurate questions based on many assumptions.

The comparethemarket.com question set strikes a good balance between the two. The questions are ones you would expect and there’s nothing you won’t be able to answer in your lunch hour.

On to the results...

Again the layout is easy on the eye and simple to understand. The quotes are understandably ordered by price with other primary information such as provider name and monthly cost also clearly visible. Clicking on the ‘more info’ link under each quote provides further policy details to help you make an informed decision.

Finishing your application...

The comparethemarket.com site has a promise ‘the price you see is the price you pay’. For a price comparison site this is a massive promise and one that can be very difficult to deliver.

Upon proceeding with my first application, which was a very straight forward process, the price was indeed the same as quoted, which was highly impressive given the number of accuracy complaints associated with the price comparison industry. Admittedly a few other quotes did deviate by a few pounds but overall the accuracy was commendable.

What else impressed...

A particular favourite of mine was an option on the results page to amend and recalculate your quote. You could change your cover type, excess and add/remove legal protection, breakdown cover and NCB protection and generate new quotes without having to take a backwards step. This is a great timesaver that I’m sure is well received by many customers.

The retrieve a quote option is also incredibly handy. If you don’t have time to complete your application, simply save it and return later on. One point on that, if you’ve already obtained a price you like make sure you return before the quote expiry date passes.

Areas for improvement...

When compared to the long established aggregators the number of quotes returned can be a little thin on the ground for more specialised insurance requirements. If they continue to grow I’ll be looking for comparethemarket.com to include as many providers and quotes as possible to persist in improving the service they provide.

Introducing some free guides and tips to help customers better understand their car insurance policy and the money saving options open to them would be a useful addition to the newsletter option currently offered. I would also like to see a forum introduced to increase customer interaction. As the car insurance comparison industry becomes evermore competitive customer retention will be vital to long-lasting success.

My overall opinion...

Comparethemarket.com is a welcome addition to the car insurance comparison arena. A well presented, easy to use site combined with accurate results makes for a very satisfying experience for the customer.

The site offers excellent possibilities for finding a cheaper motor insurance policy and has the potential to break the stranglehold enjoyed by the established aggregators.

Should you use it...

I would certainly add comparethemarket.com to your list of price comparison sites when searching for cheap car insurance quotes. The site is easy to use, offers a thorough comparison (for those prepared to answer the questions) and most importantly works to provide accuracy in its search results.

From my experience most people prefer one comparison service over another depending on what they’re looking for as well as their level of expectation. The next time your comparing car insurance quotes give comparethemarket.com a try and see how they stack up to any others you may have used in the past.

To learn more about comparethemarket.com visit their site.

If anyone has used comparethemarket.com to search for car insurance please share your opinions with us, good or bad, in the comments.

Safety Or Savings? - Striking The Right Balance

Looking back on a previous TCIB post urging people to bin their renewal to save money on car insurance it seems consumer lethargy is still a huge problem for UK motor insurance customers.

Research from Tesco Finance has found that just under one in three motorists moved their car insurance to a new provider in the last 12 months.

Even more worrying was the statistic announcing that 10% of drivers had either never switched their car insurance premium or had stayed loyal to the same insurer for over 10 years.

Those who have switched put price as one of the most important factors when choosing a car insurance quote while those who had stayed with the same provider said price was less important compared to the features and level of cover offered by their policy.

These figures create a split market, those who are concerned with saving money and those who feel prepared to pay more for the safety of ‘knowing’ they have the right policy.

Both sides make very good points. After all a motor insurance policy is there to provide protection so obtaining the right cover is hugely important.

However with the huge range of insurers now offering policies the opportunity to make a saving on your premium should not be overlooked; especially in the current climate of rising mortgage repayments and utility bills.

In my opinion a mix of the two is the ideal mentality when shopping for car insurance.

Make sure your policy has all the features you need but don’t restrict yourself to one insurer and one quote.

Loyalty is rarely rewarded in today’s market and with comparison sites such as confused.com you can easily find motor insurance policies that match your needs on both policy features and price.

So, if you currently care more about price double check that your policy offers the protection you need; the consequences of not doing so could be potentially disastrous. AND, if you haven’t switched your car insurance for a while be sure to have a look at the options available, you can easily lower your premium without compromising on quality.

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Car Insurance Renewal

If, like me, you recently received your car insurance renewal you may have been a little shocked, or even angered, to see the price of your premium has actually gone up.

You’ve made no claims on your cover, kept a clean record and successfully added another year to your NCB, so why has your premium gone up.

The reality is you should not be surprised this has happened; in fact you should have expected it.

Quite simply, car insurance companies increase premiums upon renewal in an attempt to increase profits. With the market being so competitive companies are forced to offer low quotes to attract new customers. They then bank on customer lethargy when renewal time cones around to cash in at your expense.

There has never been such a wide choice when it comes to renewing you motor insurance policy but many people still don’t take advantage of this, instead allowing themselves to be exploited by increased renewal costs.

My advice is when your renewal comes through hit the comparison sites. A quick Google search will find some great sites to compare car insurance quotes. You’ll find the established sites such as confused.com and moneysupermarket.com as well as other you may not be familiar with.

These sites work incredibly quickly so run searches on several of them to find the cheapest car insurance quotes on offer. Then contact your existing provider and challenge them to beat you best price on a like-for-like quote.

If they can, and you’re happy with them that’s great. If not, announce their renewal letter is now in the trash and you will take your business to a more competitive provider.

If your loyalty is not rewarded do not give it. After all, there’s plenty more insurers in the sea.

Five Minutes to Find Cheaper Car Insurance

Sounds like I’m promising the world on a stick doesn’t it? In reality I’m talking a couple of minutes to read this post and a couple more spent taking advantage of one of the easiest money saving opportunities available when it comes to car insurance.

All you have to do is SHOP AROUND! And better still you can search for car insurance quotes online almost instantly. I say almost because you will need to answer some questions but it beats answering the same questions over and over again.

Despite the ease of online comparison many people still ring round multiple insurers to find a quote or worse still accept their annual renewal which can be a big mistake. If you’ve got a classic of high performance car then fair enough you might need a specialist insurer but for the vast majority of us a price comparison of car insurance companies can be a great money saver.

Some you will have heard of, big names such as confused.com and moneysupermarket.com have been around for years. Now there is even more choice with sites such as gocompare.com and comparethemarket.com to mention but two.

A simple Google search for car insurance will open up a plethora of comparison services, some will be better than others but the four mentioned above would be a good place to start.

So how do these sites work? Simple, you fill in one form and their search multiple car insurance companies, again some are better than others but you should be looking to get between 30 and 50 quotes inside two minutes which you have to admit is one hell of a time saver.

Give it a go and see how far you can lower your motor insurance quote.

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Auto Insurance Quotes Guide

Auto Insurance Quotes - New Tech Means Ease of Discovery

The comparison of insurance quotes has been trumped-up trite through the expansion of internet. The internet is cool place to compare auto insurance quotes. The safekeeping of their vehicle is really significant whereas car owners. The correct method to preserve the safekeeping is to purchase an auto insurance plan. There are quite a few insurers around that instance auto insurance policies to car owners. full-dress these businesses retain their let on coverage rates and plans.

Comparing car quotes aids people to comprehend the costs besides the appropriate policies. The majority of the insurance websites let connections evaluate the auto insurance quote at no charge, through a few others attack a minor charge. The plan of each the insurance websites are same. It's superior to go for the free quote websites to effect comparisons initially.

Comparison websites evaluate both, the policies and auto insurance quotes. The online advance saves people both circumstance and money. Folks may win out of paying the commission to an instrument. Therefore, using an auto quote comparison, the agent' role is not necessary.People can get a understandable picture concerning the rates and the plan, using online auto quote comparisons. It's principal to evaluate the quotes, to make sure that you receive the lowest insurance quote. divergent quotes are accessible online. Nevertheless, you need to take into account specific information when you compare auto insurance quotes.

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First, you must fill importance some singular word on a registration form. The registration is required to ask seeing free search charts of auto quotes. Contrast quotes since the whole enchilada the exceptional coverage plans take cover otherwise insurers. The insurance rate is merely a crucial aspect when purchasing auto insurance. Assess the dependability of the company. The majority of the new insurance companies mention secondary quotes. You extremity make irrefutable that the force offers first-rate customer compensation and has sound money reliability.

You need have a true credit history before asking for an auto quote. A in rags credit history makes a bad impression to the insurer and as a consequence, they bequeath make sure higher quotes.