Car Insurance Rates Important Consideration For Drivers
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David Thomson
Apr 19, 2013, 7:30:03 AM4/19/13
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David Thomson
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Article Title: Car Insurance Rates Important Consideration For Drivers
Author: David Thomson
Word Count: 517
Article URL: http://www.isnare.com/?aid=237730&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=237730
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For many drivers, finding the lowest cost car insurance rates is the ideal scenario for getting a good deal on motor insurance coverage. Premium costs definitely impact the value of insurance coverage, but the benefits of coverage also affect the quality of protection. Comparing rates on products with similar features is a great way for drivers to evaluate various products. Brokers or insurance specialists can be a great resource in narrowing down coverage options that offer the best ratio of quality protection to rates.
One of the best ways for driver to get the best car insurance rates is to shop around for customized insurance products or unique discounts that lower rates. Many companies offer insurance products tailored to market segments that have special characteristics. For instance, many insurance providers offer lower cost insurance for women based on statistics that show women are less risky and less expensive to cover. Other providers offer discounts for individuals with safe driving records or good student performance.
Some brokers or insurance specialists offer discounts for online purchases. Others offer multiple product discounts in order to grow relationships with existing insurance customers. These are simple business discounts and barely scratch the service of opportunities for better car insurance rates. Online quotes are economical for brokers to provide and they use discounts to acquire customers.
Other discounts are available based on unique driver situations. For instance, most providers offer discounts to couples or cohabitants who get joint insurance protection. Most providers find it less risky to have couples covered by one plan than by two separate plans. This makes them more interested in providing an incentive for couples to combine coverage.
Ultimately, discounts are a way for providers to attract less risky customers and to reward customers that demonstrate a solid driving potential. While many of the discounts are based on the driver, others are based on the vehicles they drive. Just as drivers can possess safe driving traits, vehicles can possess features that make them safer as well.
Safe vehicle features cannot prevent accidents, but they can lead to better car insurance rates if they reduce the prospect of bodily harm or lower the likelihood of a damaging accident. Anti-lock brakes, for instance, can prevent crashes and reduce impact of unavoidable collisions. Air bags can soften the blow to people involved in accidents, which can greatly reduced healthcare costs associated with accidents. Injuries can be costly to treat and insurers are happy to know that drivers are reducing their risk of severe injury by driving a car with advanced safety features.
Car insurance rates have some basic costs tied to the standard protection features. Collision and liability protection have some basic costs. However, rates are somewhat dependent on unique features sought by the driver or customized prices based on his or her market segment. Comparing product features with associated rates is a great way for customers to find the right insurance coverage with the best value. A great rate for one driver might not be as great for another.
About The Author: David Thomson is Chief Executive of BestDealInsurance (http://www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=237730
*********************** ARTICLE END ***********************
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Message delivered directly to members of the group:
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*****************************************************************
Please consider this free-reprint article written by:
David Thomson
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=237730
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=237730
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Car Insurance Rates Important Consideration For Drivers
Author: David Thomson
Word Count: 517
Article URL: http://www.isnare.com/?aid=237730&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=237730
Easy Publish Tool: http://www.isnare.com/html.php?aid=237730
*********************** ARTICLE START ***********************
For many drivers, finding the lowest cost car insurance rates is the ideal scenario for getting a good deal on motor insurance coverage. Premium costs definitely impact the value of insurance coverage, but the benefits of coverage also affect the quality of protection. Comparing rates on products with similar features is a great way for drivers to evaluate various products. Brokers or insurance specialists can be a great resource in narrowing down coverage options that offer the best ratio of quality protection to rates.
One of the best ways for driver to get the best car insurance rates is to shop around for customized insurance products or unique discounts that lower rates. Many companies offer insurance products tailored to market segments that have special characteristics. For instance, many insurance providers offer lower cost insurance for women based on statistics that show women are less risky and less expensive to cover. Other providers offer discounts for individuals with safe driving records or good student performance.
Some brokers or insurance specialists offer discounts for online purchases. Others offer multiple product discounts in order to grow relationships with existing insurance customers. These are simple business discounts and barely scratch the service of opportunities for better car insurance rates. Online quotes are economical for brokers to provide and they use discounts to acquire customers.
Other discounts are available based on unique driver situations. For instance, most providers offer discounts to couples or cohabitants who get joint insurance protection. Most providers find it less risky to have couples covered by one plan than by two separate plans. This makes them more interested in providing an incentive for couples to combine coverage.
Ultimately, discounts are a way for providers to attract less risky customers and to reward customers that demonstrate a solid driving potential. While many of the discounts are based on the driver, others are based on the vehicles they drive. Just as drivers can possess safe driving traits, vehicles can possess features that make them safer as well.
Safe vehicle features cannot prevent accidents, but they can lead to better car insurance rates if they reduce the prospect of bodily harm or lower the likelihood of a damaging accident. Anti-lock brakes, for instance, can prevent crashes and reduce impact of unavoidable collisions. Air bags can soften the blow to people involved in accidents, which can greatly reduced healthcare costs associated with accidents. Injuries can be costly to treat and insurers are happy to know that drivers are reducing their risk of severe injury by driving a car with advanced safety features.
Car insurance rates have some basic costs tied to the standard protection features. Collision and liability protection have some basic costs. However, rates are somewhat dependent on unique features sought by the driver or customized prices based on his or her market segment. Comparing product features with associated rates is a great way for customers to find the right insurance coverage with the best value. A great rate for one driver might not be as great for another.
About The Author: David Thomson is Chief Executive of BestDealInsurance (http://www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=237730
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
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