Tips to Save on Car Insurance

Today an article written by insurance rep Jordan Walt

Tips to Save on Car Insurance

by Jordan Walt

A.I.C. Insurance Agency Offers Tips to Help You Save on Auto Insurance
Milwaukie, OR 2/18/2005 – Purchasing the auto insurance that is right for you can be confusing, especially for first-time buyers. By learning the basics on how to get the most for your money, you can save on your auto insurance and feel confident you have adequate coverage. A.I.C. Insurance Agency and Travelers, a leading provider of auto and homeowners insurance, offer these tips to lead you in the right direction when you purchase your car insurance.

• Be a safe driver. Drivers with good driving records can save as much as 60 percent over drivers who cause accidents.
• Enroll in a driving class. Drivers who complete a state-approved defensive driving course, or drivers under the age of 21 who take a driver training course, could qualify for savings.
• Buy a car that includes safety features such as anti-lock brakes, alarms or other security features, airbags, and automatic seat belts.
• Choose a higher deductible (what you pay before your insurance policy kicks in), which can mean paying less for your policy.
• Eliminate unnecessary coverages. If you drive an older car with little cash value, consider eliminating “collision” or “comprehensive” coverage, which pays for damage to or theft of your car.
• Insure more than one car with the same company, and you may be eligible for savings. The same is true if you have more than one type of policy with the same insurance company.
• Look for low-mileage discounts if you car-pool or do not put a lot of miles on your car annually.
• Check for student discounts such as a good student credit for maintaining a B average, or if a driver in your household is living away at school and not driving as much.
• Buy a safer car that will cost less to repair and less to insure. Check crash-test reports, repair records and manufacturer recalls of any car you are considering. A consumer protection magazine can be very useful or check car sites on the Internet.

Established in 1995, AIC Insurance Agency is an independent insurance agency offering a full range of insurance products including auto, home, life, commercial, and more.
For information and quotes on insurance coverage, please visit AIC Insurance Agency at 14000 SE Johnson Rd. Ste.210 in Milwaukie, OR, or call 503-653-8287.
Travelers, the second largest writer of auto and homeowners insurance through independent agents, is a member of St. Paul Travelers, a leading provider of property casualty insurance and asset management services. For more information, visit www.travelers.com. Contact: Jordan Walt, (503) 653-8287

Insurance Leads Generation

Those who are in the insurance business are always looking for new leads or people whom they can sell their insurance policies to. Creating new contacts is constant work, but there are several different ways that you can generate new leads. With the Internet, today it is possible to locate and find dozens, hundreds, or even thousands of new leads daily.

Just one good way to collect insurance leads online is to create and give away a free report about whichever type of insurance that you sell. For example, if you sell car insurance, then create a free report in how people can save money on their auto insurance. You can basically do the same thing with any type of insurance. If you aren't good at writing, then you can find a report or guide that someone else has created and offers free reprint rights so you can give it away.

In exchange for the report, you just request the person's email address and basic contact information. Market your website online, on your business cards, and in your advertisements and you'll be attracting more leads than you ever had!

A great e-book that I recommend on this topic is called "Insurance in The Internet Age". This an other techniques or thoroughly discussed. If you are in doubt at all, do not worry. The e-book comes with a 60 Day money back guarantee so if you're not happy, just get your money back. The book is sold through ClickBank and they are very tough about making sure that publishers stick by their refund policy.

You can check out this book at the website: Insurance Leads Generation. If you are already in or even just thinking about getting into the insurance business, this book is a must read.

Scott
http://www.saveautoinsurance.net

Happy New Year

Happy new year to everyone! I hope you have had a great holiday season. I've got just a little auto insurance news on my blog today. For up to date auto & car insurance news, articles, and information please visit my main website listed below.

I have fresh feeds + constantly updated and new content about car insurance. Read articles written by experts and view books related to auto insurance. A couple of must views listed on my site under the "Car Insurance Featured Resources" section is an e-book about how to get low cost auto insurance for life. A must read for insurance agents and marketers is an excellent e-book about insurance lead generation.

If you are interested in any of these topics, then visit the link below to view.

Scott
http://www.saveautoinsurance.net

Driver Improvement School

In Florida if you get a speeding ticket, you can take select the option to pay a reduced fine and take a 4 hour driver improvement school or course. Taking and completing the course in a specified period of time will help you by not getting points assessed to your driver's license. You are allowed to do this up to 5 times in Florida in your lifetime. If you have more points or a more serious infraction, you may have to take a longer course.

Most states use the point system to keep track of your driving record. For each incident or infraction of a motor vehicle law your driver's license is assessed points. For example, an average speeding ticket will cause 3 points to be added to your license. If you rack up a specified number of points on your license within a certain period such as within 6 months, withing 1 year, or within 18 months, you can have your driving privilege suspended.

Major infractions such as reckless driving or a DUI could cause you to automatically have your license suspended. Most states have laws that convicted felons loose their driving privilege. However, most people or average to safe drivers and only have to deal with an occasional parking ticket or speeding ticket.

If you have a speeding ticket or minor traffic infraction, see what the laws in your state say. Many police officers explain your options when you are getting the ticket and will let you know if you can take a driver improvement school to help reduce your speeding fine and avoid from points going on your license. If you take an online course, make sure that you are taking one that is certified or approved by your state. Keeping points of your license is important if you want to keep your auto insurance rates low.

Scott
http://www.saveautoinsurance.net

Personal Injury Protection - PIP

Personal Injury Protection or PIP as it's known in the car or auto insurance world is required by many states. PIP is the coverage that will cover medical & expenses should you or someone else get injured in an automobile accident. While this sounds like good coverage, you may not need the amount of coverage that your car insurance company has sold you. You may be able to save money after a review of your current auto and other insurance policies.

Of course coverage and protection is good, but many people are "over-insured". While some people may disagree and say that you can never be over-insured, don't think so. If you already have sufficient health coverage that will cover emergency and hospital stays, you may not need PIP. If your state does require Personal Injury Protection and you already have sufficient health coverage, then you may want to consider dropping the amount of coverage to the lowest amount required by state law.

However, you may want to consider keeping or even raising your PIP if you do not have adequate health coverage. Something else to think about is what about the coverage of your passengers? You may have great health insurance that will cover almost all of a hospital visit, but maybe the persons that ride with you frequently do not. In this case, it would be wise to keep your Personal Injury Protection.

Auto and other types of insurance can be a complicated and frustrating thing for many people, but definitely a necessary expense in today's society. Whether you like it or not, it is something that you are going to have to deal with. If you change your attitude about auto insurance and decide to educate yourself, you could end up saving yourself a ton of money in premiums or even save yourself from being under-insured.

Scott
http://www.saveautoinsurance.net