How Breakdown Cover Can Save You in an Emergency

If you own a car and don’t have breakdown cover then you’re running a huge risk. What exactly would you do if you were on the side of a road broken down in the middle of nowhere? You may have friends who you can call but are they able to tow your car to a garage? I doubt it. Also, it’s unfair of you to have to ask friends to come and get you if you breakdown – especially if you’re miles from home.

Top Ten Car Insurance Buyer Questions

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Car Insurance For 17 Year Olds And Teenagers

The only way to keep up with the latest about car insurance for teenagers and young drivers is to constantly stay on the lookout for new information. If you read everything you find about car insurance for 17 year olds, it won’t take long for you to become an influential authority.

You have probably invested a lot of time,money and effort in your classic car, but have you invested in proper classic auto insurance?

When it comes to classic auto insurance, the underwriting is different from that used when insuring your more usual family car. If you want to protect your classic auto investment then it is vitally important that you insure with an insurance company that specializes in classic auto insurance.

Having said that, there a few things to bear in mind when looking for the best classic auto insurance quotes.

Firstly, garaging is important. Most insurance companies will insist that your classic auto is kept in a locked garage or parking area when it is not being driven. Also it has been known for some insurers to deny a claim when the vehicle has been left unattended in a car park or parking lot. This even extends to when and if you take your car on holiday. Parking in the hotel’s lot may void any claims.

Secondly, most specialist classic auto insurers offer a choice of valuation methods, the most common being -

a)The Agreed Valuation Method. Here both the insurer and the insured agree a fair market value for the vehicle that is reviewed each year upon policy renewal. This is considered to be the fairest valuation method, but remember that unlike the usual family vehicle, classic cars can increase in value. This will be of course be reflected by a proportionate rise in premium.

b) The Actual Cash Value Method. With this method, the insurer will only pay out the current market value for the car. The problem with this is that the current market value means the original price of the car when it was brand new less depreciation. Lets say you have an e-type Jaguar that would of cost (for the sake of argument) $2000 in 1968. Today after depreciation the market value used by insurers would be (again for the sake of argument) $300 and this is all you would get if you made a claim.

c)The Stated Amount Method. This method involves the insurer setting the maximum amount that they would pay in the event of a claim. But this maximum amount would be the lesser of either the amount to repair the vehicle, the stated amount or the actual cash value. Once again this method does not take into account the true value of your classic auto and so should be avoided.

Thirdly, how you use your classic auto can have a great bearing on your insurance. A standard classic auto insurance policy may only cover you whilst driving to and from classic auto shows. It you intend to use your classic car for more than this then make sure your policy covers you.

It’s a sad fact of life that insurance companies will do their utmost to avoid paying out on claims so it is in your interest to make sure that have a cast iron policy. When looking for quotes always read the terms and conditions before handing over your cash. If you have or are thinking of getting a classic auto then don’t forget to protect yourself if the worst should happen.

Colin R Cherry asked:

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Cheaper Car Insurance : How To Get One

Are you planning to buy an expensive car and a whole lot of sports gadgets to go with it , but not bothered about insuring your car ? Then you’d do well to go through this article to understand the importance of an insurance cover and how to get it for cheap.

Save On Your Insurance With A Car Insurance Quote Comparison

In nearly every state in the US, carrying car insurance is mandatory; and even where it is not required by law, it is a very good idea to do so, to say the least. The protection that insurance coverage provides you with is invaluable – but you could save money on your coverage by using a car insurance quote comparison.

Do You Live In Las Vegas And Need Auto Insurance?

Sorting out your auto insurance is an expensive, but necessary, annual expense for most of us.

Commercial Vehicle Insurance vs. Personal Insurance

Many small business owners, particularly home based business owners, use their personal auto insurance policy to cover vehicles that are used for company work. In some cases it was ok when the companies were sole proprietorships, and the business owner was the only one to drive the car to an occasional meeting or client interview. Even as the businesses grew, the owner could add a business endorsement to a personal policy, which would provide adequate coverage.

Cheap Auto Insurance Quotes No Longer are Hard to Find

The sole purpose of an auto insurance company is to protect you as well as your family in the event of an accident. However unfortunately many auto insurance company’s gouge the average consumer in the wallet when offering auto insurance quotes to customers.  We have implemented a new strategy to offer cheap auto insurance quotes [...]

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