5 Excellent Ways to Find the Best Auto Insurance Quote for You

Times are tough and now more than ever you need to ensure that the money you spend is really worth it. Sadly, one of the things that people try to cut on when money is tight is auto insurance (or any type of insurance for that matter). However, this is the very last thing you should do.

No one ever knows when accidents occur and should you ever find yourself on a road accident where you are at fault, car insurance can save you from financial ruin. So no, don’t scrimp on vehicle insurance. However, there are ways when you can get the best auto insurance rate that can save you literally thousands of dollars down the road. Following are some of these tips.

Work on a having a good driving history.
Insurance companies are taking a risk on your driving habits. As such, if you have a good driving track record, then chances of you getting in a road accident (and ergo chances of the insurance company needing to make a payout) are slim. So, good driving record = better car insurance rates.

Know your credit score. Your credit score is one of the things an insurer takes into consideration when figuring out the auto insurance quote to give you. If your credit score is bad, this means your finances are not good, which means you’re a big risk for the insurance company, which in turn means you get a high car insurance rate.

What a lot of people don’t realize is that there are often mistakes in one’s credit score! The best thing to do here is for you to know your credit score NOW and fix any erroneous entries by getting in touch with credit report companies to get these mistakes out and thus improve your credit score. In the end, a good credit score = better car insurance rates!

Read auto insurance reviews online and learn from other people’s experience! With your good driving record history and better credit score in hand it’s time to seek the best car insurance providers. The best way to find these providers is to learn from the experience of others. A great place to be better informed is to visit AutoInsuranceReviewer.com (AIR).

AIR is third-party site where thousands of people just like you sign up and post their own personal reviews of car insurance providers they’ve dealt with. The review criteria for each vehicle insurance company are: Extent of Coverage, Claims, Customer Service, and Car Insurance Cost.

After short-listing your potential car insurance providers, don’t ring them all up as that takes a lot of time. Instead, check out car insurance quote sites online where you can fill out your details once and have the site submit your information to your chosen car insurance providers. Let THEM do the work of getting your business!

Take higher deductibles. If you can afford it, opt to pay a higher deductible (the amount you need to pay the auto insurance company before they pay any claims) than normal. It may be steep at the start but this means paying lower monthly premiums too, which in the long run means more savings for you.

Go ahead and be cheeky… ask for a discount! Nowadays, there are plenty of discounts that can be had on car insurance (e.g., low mileage drivers, presence of anti-theft gadgets in the car, car-poolers, etc.) but in many cases you do have to ask for them! So go ahead and ask! Hey, it’s your money, right?
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Cash For Crash

The shocking new threat facing road users this year is the cash – for – crash scam, a dangerous new form of fraud that criminals are conducting to scam money from insurance companies. Unawareness of this trend is meaning that a lot of these criminals are not being brought to justice, as a car insurer asked their customers, and forty one percent had never heard of the scam.

The dangerous practice happens when innocent road users are targeted when criminals drive into the back of them, intending to make false or inflated claims. If people do not notice this, then claims will be inflated, as unless it is picked up during the claim process by the car insurance company, the falsified accidents could go unnoticed.

A Car Insurance company have stated: "Even though police and insurers are making great headway in eliminating the threat of cash-for-crash accidents, there are still thousands more cases that slip under the radar. The reason for this is that motorists either aren't aware of this threat, or aren't able to spot the signs that they have become a victim. If more drivers were made aware of the dangers they are facing, it becomes more likely that they will be able to report anything unusual to their insurance company who could then make investigations and cut down on levels of fraud. What's more, not only does insurance fraud put innocent lives at risk, but it is also responsible for adding about £40 to the average honest policy holder's premium so it's in everyone's interests that we make it harder for crooks."

The good news is that if these criminals are caught, they will find it impossible to procure any Car Insurance, or other financial policies, in the future, as well as having a criminal record. Be alert! If you think something is dodgy about the accident that you have had, then call the police straight away.
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Modified cars and Car tuning – certainly the latest trends

Modified cars are getting really popular and car tuning can be a DIY job or you can use a specialist in the car tuning industry. The aim is to modify your car so as to improve its performance for better handling and style. Car tuning is a feature to personalize your showroom car to your personal expectations and match your driving style. Modified cars are tuned such that they get more economical and/or produce more than average power increasing RPM and comfort of the ride while providing better handling. Car tuning is certainly one way to improve the performance for car racing or style. Tuning also improves the exterior feature of your modified cars. Tuning the body with aftermarket parts improves aerodynamic features of your car by making use of side skirts, rear and front bumpers, splitters, spoilers, light wheels and air vents.

Modified cars are endowed with enhanced engine tuning so it increases the power of your engine output. This can vary from chip tuning to engine exhaust wrap and nitrous injection. Traditionally only engine timing were adjusted providing better fuel ratio, but presently people add vents, turbo chargers, exhaust systems or a number of other parts that makes your modified cars much more faster in performance for tracks and on road. car tuning improves your intake charge whilst maintaining the fuel to air ratio of your showroom car and reliability of your engine and upgrades your engine increasing forced injection using nitrous along with engine compression. People add car parts to increase its horse power output providing better torque along with a number of other physical modifications.

Suspension tuning for modified cars improves its shock absorbers and springs making is better shock absorbent reducing the car body roll such that you can drive your bets vehicle under any circumstances or tracks. In most overload vehicles car tuning increases clearance by lengthening suspensions. Most people may also try making use of hydraulic and adjustable suspension upgrades for better outcome. People may also create Modified cars by tuning or adding kits and spoilers to the body. This is a feature that improves the aerodynamics of your modified cars. These are the types of car tuning that are generally performed to improve the physical appearance of your modified cars. People might also try modifying the interiors of the showroom cars by upgrading most factory installations. They may upgrade the seats for a more comfortable ride and make it look more stylish.

Some may also try adding a number of other features like lava lamps so your car might in fact get a much classier appearance from outside and inside. There are also a number of people who might in fact add a number of multimedia devices known as ICE (In Car Entertainment), audio amplifiers, woofers, televisions and DVD players. Exterior modified cars might have features like xenon lights, carbon body equipments, Alloy wheel base and HID. This is one feature that makes your modified cars more aerodynamic and stylish. Some of the showroom cars are considered as more expensive mods by adding vinyl stickers and lights. These types are generally also termed as pimped modified cars. Most people like modifying cars and car tuning just because they consider showroom cars as being tasteless. Before modifying your car you certainly have to check with the legal requirements in your state and country.
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