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instant car insurance quotes

Now it's easier than ever to find the right car insurance for your family. Immediately compare auto insurance quotes on the Web to save time and money.

instant car insurance quote

Now it's easier than ever to find the right car insurance for your family. Immediately compare auto insurance quotes on the Web to save time and money.

instant car insurance quote

Now it's easier than ever to find the right car insurance for your family. Immediately compare auto insurance quotes on the Web to save time and money.

Insurance for Students

Insurance for students provides kids at college with added protection. In many states, kids can stay on their parent’s health insurance well into their twenties. Not everyone has this option available to them. College students who do not have health insurance provided by their parents or through an employer can still find good deals on insurance. Buying car insurance on the cheap and renter’s insurance may also be an extra expense for college students this year.
Health Insurance for College Students May Be a Must

Many colleges require that students buy health insurance. For a number of years, schools suffered high drop-out rates when they lost kids who had high medical expenses, preventing them from returning to school. Requiring health insurance for college students means fewer drop-outs and less reliance on school-sponsored health clinics. 25% of mid-size to larger public universities and almost all private schools require some sort of health insurance for students according to Vita Reed in the April 11, 2005 San Diego Business Journal article entitled "Many college students required to have insurance: study shows unexpected medical expenses were a leading cause of students dropping out of school."
Average Prices for Health Insurance for College Students

A number of universities provide health insurance for college students with rates running less than $1000 annually overall, says Reed. Many schools’ plans are closer to the $800 range. Some colleges offer health insurance for college students by the semester, an affordable option for kids on a budget.
Cheap Students’ Car Insurance Provides Protection

Cheap car insurance for students provides protection for vehicles kids drive on and off campus. The cheapest students’ car insurance is liability only and pays for damages that the driver is liable for in an accident. Comprehensive and collision auto insurance costs more but provides coverage for damage to the auto in the event of an accident and compensation for theft and other covered losses. Students’ credit scores, driving record and discounts eligibility all help determine the cost of auto insurance.
Good Student Insurance Discounts Helps Kids Save on Car Insurance

Students’ car insurance is cheaper when kids qualify for good student insurance discounts. The insurance discounts usually require that a student be full-time and carry a certain GPA (at least a B). College students who are eligible for the good student insurance discount should be 25 or younger and in some states must be 21 to qualify. Most major auto carriers offer a good student discount.

Read more at Suite101: Insurance for College Students: Cheap Students' Car Insurance, Health Insurance & Renter's Insurance | Suite101.com http://campuslife.suite101.com/article.cfm/insurance_for_college_students#ixzz0YyB9bvUj

Cheap Car Insurance For Students?

I live in the South of Florida, im 20 years old, full time college student. I have high GPA (good student discount) and have clean driving record and good credit history. Please give me some advice on low cost car insurance companies.

R:

There are various things that you can do to keep your costs low. Even though insurance costs for students under 25 is high you can get good discounts. Is important that you compare quotes with different companies.

You may be able to get some guidance from your college, since there must be many other students looking for insurance.

You can keep you costs low by only buying the minimum required insurance in your state law. You may be able to skip comprehensive and collision coverages which are costly. The only downside is that you will have to pay the cost to repair or replace your car in case of an accident, so it is a risk that you have to decide.

But first ask for any student discounts that you can get:

for example you can use your parents policy if you live with them and it will be much cheaper

enroll in a defensive driving course

install safety devices in your car

drive less and get a low mileage discount

compare quotes

have good grades and ask for a discount

And lastly keep in mind that if you increase your deductible you can lower your premium costs, just be aware that in case of an accident you will have to take more money out of your pocket.

Best Online Car Insurance Quotes and Rates Student Car Insurance Free 5 Health, Home, Life

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student car insurance

Student Car Insurance

As a Student everyone understands that your money is very a precious commodity. So how do you get cheap car insurance? Well if you want cheap car insurance there are a few decisions that you need to take first. What level of car insurance do you need?- third party is cheaper, but if you cause an accident then your own car is not covered by the insurance, also do you choose a low amount for your variable excess?- but again if you have an accident you may well pay more in the long run. How much of a gamble are you willing to take?

At Express we take the fear out of the process, by helping you make an informed choice and then assist you to find answers to your other insurance questions. Not much no-claims bonus? Only had your licence for a few years? Under 25? Your postcode makes your Insurance expensive? Well, at Express we are specialists at finding insurance for students, and finding the right quote for your needs. We do that by using our expert panel of over 30 Insurers and our specialist team of Insurance Consultants. We also often offer ways of paying that can take the sting out of yearly premiums.

Don't worry if you are also unfortunate enough to have a poor accident or claims history or you have previous convictions- we will use our specialist knowledge in these areas to find a quote for you that is the right price.

Which type of car insurance do you require?

There are three levels of car insurance cover - third party; third party, fire and theft; and fully comprehensive. When purchasing car insurance it’s important to choose the option which will afford you the cover that you need.

The three levels of insurance cover are described below - take the time to read and understand the difference between them to make sure you select the right type of cover.

Third Party

This option offers only minimum coverage.
It covers you for:

• Injury to other people
• Damage to another person’s property or car
• Accidents caused by passengers

It does not cover you:

• If your car is stolen
• If your car is damaged in a fire
• If you damage your own car
• For medical expenses
• Loss or damage to personal possessions (which are in the car)

As this type of insurance offers only very limited cover, it is really only suitable for people who cannot afford more comprehensive cover.

Third Party, Fire & Theft
This offers the same coverage as third party, plus you are also covered in the event of a fire, or if your vehicle is stolen.

However it does not cover you :

• If you damage your own car
• For medical expenses
• Loss or damage to personal possessions (which are in the car)

This type of cover offers a happy medium for those who cannot afford fully comprehensive cover.

Fully Comprehensive (’Fully Comp’)
As the name suggests this type of insurance offers the same cover as third party, fire & theft; plus you are also covered if you damage your own car.

In addition to this you will also be covered for medical expenses, and loss or damage to personal possessions which are in your car. Please note, not all fully comp insurance policies offer precisely the same benefits. For example, in addition to the coverage outlined above, some insurers also offer fully comp customers additional benefits like courtesy cars in the event of an accident or theft. Many also offer protected no-claims bonuses.

Before taking out any policy it’s really important to thoroughly check that the policy offers exactly the cover which you require.

Summary of Cover

	Third Party	Third Party, Fire & Theft	Fully Comprehensive
Injury to others	Yes	Yes	Yes
Damage to other’s property or car	Yes	Yes	Yes
Accidents caused by passengers	Yes	Yes	Yes
Fire	No	Yes	Yes
Theft	No	Yes	Yes
Damage to your own car	No	No	Yes
Medical expenses	No	No	Yes
Loss or damage to personal possessions	No	No	Yes

A Guide To Women’s Car Insurance

Until about 10 years ago, cheap car insurance for women drivers was not a priority for most insurers’. Today, women can get some excellent deals on their motor insurance, but as with most things, you have to shop around to find the best prices.

Below is a short guide to help women find the cheapest car insurance deals.
Car insurance prices seem to be considerably lower for women than they are for men and this is especially noticed up to the age of 45. When drivers hit this age the price of their car insurance begins to level itself out.

The Facts about Car Insurance for Women
Statistics in the UK show that women are safer drivers than men and insurance premiums are partly based on these statistics. Below are some of these figures:

• Government figures show that over 92% of driving convictions in the UK are for men.
• Male drivers are responsible for 98% of all dangerous driving convictions.
• It is proven that women tend to drive more slowly, carefully and shorter distances than men.
• Even though women have the same amount of accidents a year as men, the accident is less likely to be as severe. This means that women drivers overall claims experience are a lot better than that of male drivers.

Cheaper Car Insurance for Female Drivers
All the advice given in our main car insurance guide applies as equally to women as it does men; however here are a few more tips and tricks on how to get the best and cheapest car insurance deal if you are a female driver:

• Purchase a car that has a small engine or is in a lower insurance group. To see what insurance group your car is in click here.
• If you are a new driver you should definitely consider taking out your own policy rather than being a named driver on someone else’s. Yes it will be a bit more expensive, however in the long run your insurance will be cheaper because you can build up your no claims bonus. A 1 year no claims bonus will give you a 30% discount on your premium.
• Try to avoid modifying your car. These modifications include alloy wheels, body kits, sport exhausts, engine modifications, etc. These modifications, even if really small, can increase your premium drastically.
• Adding additional security features to your car can lower your premium. Security features such as immobilisers, central locking, car alarms, etc can really help save you money.
• If you only use your car for short journeys then try and estimate what your annual mileage is because putting a cap on your mileage can get you a further discount on your premium.
• Some insurers specialise in offering car insurance for female drivers so look out for these insurers to save even more on your car insurance.
• Older drivers should avoid putting young drivers on their policy as named drivers as this will increase your premium drastically.

Cheap women's car.

flivver for women because women are what men can and can not be objective!

Why offer cheap car insurance for young female drivers.
For women drivers. "There are options to search for car insurance is on the Internet. Car insurance is convenient and good insurance for women drivers, but there are some companies that only offer cheap car insurance for women.

If you visit a site that specializes in car insurance for women, you will notice a better picture of the lush photos, events and believes the use of light and color of carnations. That is all the more attractive female customers looking for a car . Some of these women is unique - even some interesting gifts such as handbags and other girly items to the attention of more female customers.

Indeed, many have not differentiated between women only car insurance and one of the major companies and car insurance. Both offer substantial discounts and great range. What is the increase of car you have selected a personal commitment to a stable business. If you are a woman find cheap car drivers just do not forget to pay attention in all directions, offering cheap car special sites such as women and find the minimum and the best solution,

Why offer cheap car insurance for women.

Because women are more cautious rider than men.

Women as a safe driver and make much less risk. "Road than men.

"Risk" to society by K. All vehicles in the risk assessment and women are perfectly into the category of minimal risk. The car is for women.


Doc in the survey show that women drivers is a risk that is relatively low when driving than men drivers. Statistics show that women drivers are cautious and careful, they are just a few kilometers, the drive speed is quite slow down and use seat belts are less likely to tailgate or drive aggressively.

These are facts and that is why the insurance company, the car is more than happy to offer cheap car driver for women as men drivers. Female car insurance is so not only because they are women, they offer lower prices because statistics show insurance companies offer cheaper car insurance for young women drivers, not even a high risk for them than any man driver.

This is the average insurance claim for women. These developments have been more than women tend to select for a less coy car engines and lower the cost of repair. Cost of repair is more often than men by a large vehicle. When all these results into account the results of the low cost cars for women drivers.

Why give women cheaper car insurance?

Why do car insurance companies base their prices on the statistics that probably half of their customers do not even come close to?

Why give women cheaper car insurance?

Why do car insurance companies base their prices on the statistics that probably half of their customers do not even come close to?

Cheap SR22 Car Insurance

These days the Internet has become a great medium for all the help for a car insurance provider for them to SR22 file a certificate, and, hopefully, their driving privileges back as quickly as possible. Although there is no shortage of insurance companies all promising cheap insurance online you finish, you should certainly not expect that everyone be able to live up to this promise. So how do you get the right one? Here are some important tips andInformation to help you:

1.First recognize, that even a supposedly "cheap" SR22 insurance is probably more expensive than a normal car insurance. This has much to do with the level of risk of the driver (always represented his license was suspended and all), instead seeking a more affordable SR22 get.

2.Look car insurance for companies that specialize in coverage after a DUI conviction or any otherOffense, which has cost you your license. You want better prices and deals get to them, compared to the all-purpose insurer.

3.The Web is still the best way to shop for affordable coverage. There are plenty of car insurance websites that help you shop for a relatively cheap policy online. Prices can vary considerably from one company to another, so the comparison always do before a policy.

4.Taking defensive driving classesAdd extra safety and security features on the car, drive less, and everything you do can to reduce your risk as a driver to help ease the cost for maintaining one of the long-term policy.

Follow the above tips in the search for SR2 cheap car insurance online. Even if it costs a bit more, there is no reason why you can not go for a very reasonable one!

How Necessary Is Car Insurance?

According to car insurance is a question of compliance with the LAW! The message to the vehicle owners and drivers is that someone should be held accountable financially occur in traffic accidents, especially in the wrong doing of other motorists.

As a further precaution in the U.S., insurance companies, which have governed the state and provincial laws minimum liability, which would be further made insurance that motorists / drivers, or choose not to assess the best bargains.Unfortunately, many accidents involve damage to public property and even with a million-dollar liability in today's economy, which might not be enough. To imagine that a driver capable of a meager insurance rate of $ 5k or $ 10k to choose, which would not cover medical expenses, let alone repairs.

Please note that insurance is also an advantage for the owner too. For example, there are many extensions or upgrades, the more likely an important factor, asas:

Medical expenses
You may not be to blame for the accident, but it can be doubly hurt, and with an insured vehicle with a medical benefit allows costly medical expenses for services such as therapy and the use of rehabilitation equipment to be paid, together with other useful treatments will be necessary for the healing process by the accident.

Another vehicle fund for the acquisition --
I hope your car has only minor repairs are needed, but whether the vehicle was totaled orScratches and dents in the insurance, the bill for some amount of money. Of course there are guidelines, as they may not receive the purchase price of the insurance, but the book value price of the vehicle. Or the cost of repairs and damages.

-Lost of income --
Causes a beneficial advantage for a car insurance policy is a refund for the time at work because of a serious injury from the accident has lost.

Theft or fire Protection --
The unforeseen, such as vandalism, burglary (fire in one's own driveway), this advantage would be a good idea.

So we know that car insurance is not an option but a necessary performance and preparedness. And the question is not whether the drivers should be insured, but rather how much insurance is enough, or in the event that a claim could be asserted is required.

The state where you live also plays a role in the price you pay for> Insurance, and it may cause some resentment, because the premiums can be expensive, depending on age, driving experience, year and make of the car and your credit score. But the fact remains that your car insurance to save some of you financially and it is vital for the election / a plan that you will consider the safety benefits of purchase will be as worthwhile.

Therefore, to know what coverage you need and what is now your workLifestyle.

Fundamentals in Getting Cheap Car Insurance

To find the best and cheapest car insurance policy must be to put in a lot of efforts. You can find the best policy that fits his or her needs by adding a little research on the various options out there on the market.

The very first step in buying a car insurance for yourself is to be determined for the needs of the individual. You have to give good attention to the various aspects of the vehicleand the various points, against which one can get his car insured against. This helps the applicant to take advantage of insurance at the best possible value to land, without paying a hefty sum of money.

You have to buy a thorough examination of the various activities that interest them, too. This can be done online by visiting Insurance notably one by one or by a comparison of the policy. Comparison quotes car helps one toto decide the best deal for themselves will help in evaluating the various options on the market.

You can start by an increase in the deductible amount. Thus, they are entitled to smaller amount of money as a "premium pay" and saves them from paying more money for an insurance offer. Company also benefits on the basis of the vehicle by the driver in possession. If one is a very old car or has a second-or third-hand car then you do not get many advantages, because the car is too much maintenance and are a way to lower performance table, than a newer car. Newer cars are preferred by companies because people care for their car when it is new and they are often in very few incidents involving inclined.

The profile of the driver is also important when it comes to cheap car insurance comes. It is required to drive a very clean record keeping himself eligible to receive,> Cheap car insurance. Even drivers who have not set ourselves the requirement of insurance in recent years has the advantage of paying less than when compared to others. Drivers who have not participated in any kind of crime in recent years, a certain kind of advantage over another driver.

Compare Car Insurance Side by Side

You can easily compare different insurance quotes online together. Choose one of these companies, the insurance are beautiful enough to compare their prices with other companies. Normally you will receive them in three or more offers to be compared.

If this process if you do not look carefully all the companies it is the same kind of payment plans. Some accept only two payments for a policy, while others pay a lot easier. To readAll quotes if you pulled up.

Although this service is much better and simpler than the old days to get car insurance quotes. You know, is done by a company and giving all the information they needed and return to wait for a call.

Now you can get quotes online and not even provide all your personal information to do so. A large process has accelerated the purchase of automobile insurance and has strongMany people do not go shopping outside the home, car insurance more.

And the surprising thing is that you do not go to a biased offer either preserved. Just because you use a website for a company, they are not always the best policy. Which is the greatest thing sometimes that people worry when these comparisons comes online, but you can be sure that this process is very good.

Compare car insurance is close to one anothergood way to find the perfect policy, you can afford to. If you focus more on the monthly costs and the transportation of your policy above all. These side comparisons you can find the task of finding the perfect payments very easy. To use these comparisons, you can easily get.

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Got into a Car Accident? Your Step-by-Step Guide on What to Do

Getting into a car accident can be a stressful ordeal, so it helps knowing how to deal with it. When faced with a car accident, the most important thing is to maintain a clear presence of mind. With this, you will be able to go through the important motions that should follow an accident.

Recovering from an accident takes time. But at the moment immediately following an accident, you don’t have to worry about all the things you need to do. Just keep these four important steps in mind for the meantime.

Step 1: Take stock of the situation

The first and most important thing you need to do is to take stock of your situation. Go out to examine the accident and how much damage it caused. First, check for injuries so you can call for medical attention when necessary. In case of injuries, call for medical help then try to help the injured persons. It helps to always carry a first aid kit in your car for such unexpected situations. However, make sure not to move the victims while applying first aid. Wait for the paramedics to be the ones to move them, unless the car starts to smoke or a flame begins, in which it is important to get as far away from the vehicle as possible.

In case of minor accidents wherein injuries are minor or there are no injuries at all, you can turn your attention to the extent of damage done to your car and to the other vehicle involved. At this point, you can move to step 2.

Step 2: Gather information

It is essential to get all the information pertaining to the accident. You have to get information about the accident itself and about those who were involved. First, document the accident by taking pictures of it from all possible angles. The pictures can be used to determine who is at fault and what really occurred. Photograph all damages done to the vehicles as well. Also, look for witnesses and get their contact numbers as well. This will help you be able to establish what really happened in case there is a dispute between you and the other party.

Then get information about the other party. The information you should ask for includes the name, address, contact number, car make and model, license plate number, the vehicle identification number of the car.

Step 3: File a police report

With complete information in hand, call the police and file a report for the car accident. Regardless of how minor a car accident is, always be sure to involve the police. If you can’t gather all the information you need from an uncooperative third party, the police will help you with this. Filing a report will help speed up and make it easier for you to file a claim. If the need to call a police is not necessary anymore, be sure to at least go to nearby police stations and make a report just to keep it on record.

Step 4: Contact your insurance agent or agency

Finally, make a call to your insurance agent or to your agency’s emergency hotline. If possible, in case of major accidents, make the call at the scene of the accident and with the police present. The police can help explain the accident and provide more accurate information about it to the insurance company, which can help speed up your claims request.

Do: Keep calm so you can deal with the accident the right way.

Don’t: Don’t panic.
The Verdict: It is scary and nerve-wracking to get into an accident. But no matter how careful you try to be as a driver, car accidents are a part of every driver’s life. Whether quite minor, you can’t expect to prevent accidents from happening. The best you can do is to prepare yourself so if they do happen, you will know what to do.

You can find more about Car accident Basics: http://www.best-car-accident-lawyers.com/car-accident-basics.html

I Have Bad Credit and I Need a Legitimate Car Loan Online With No Down Payment!

Smoke and mirrors. That's what I think of when I look at some websites on the internet. When you've got bad credit and you're looking for a real car loan without hassles and gimmicks, it's tough sometimes knowing where to turn. It seems like there are thousands of websites on the internet and it's just tough knowing what is real and what isn't.

Well, you'll find that there are some good companies, but it's like trying to find a needle in a haystack, as the old saying goes. Here's a few tips that will help you in being certain that a company that offers bad credit auto loans is legitimate and isn't just trying to snag your wallet.

1) Make sure you only deal with a company that is listed with the Better Business Bureau Online (BBB Online) Phone or check online to ensure that they are registered and that there are no complaints filed against them.

2) Track record is everything. Be sure to check that they have been in business for several years and that they have successfully helped hundreds of people get approved for loans. Online review sites are great for this.

3) Are they a real lending agency or are they simply trying to generate leads for a car dealership? This is a common problem which can easily be avoided by following the first two steps. Who wants a call from a dealership trying to sell them a car? Not me!

4) Can they truly offer a no money down auto loan package, or is that just another advertising gimmick? Always read the fine print.

If you keep these tips in mind and do some research, you will have no problem finding the best auto loan even if you have no credit at all.