Amish Shah : How does modification of the vehicle affect the auto insurance quote? Do I need to compare auto insurance quotes if I make any modification to my vehicle?

Compare auto insurance quotes, for modified vehicles.
Response : A very good question, yes Amish I would certainly advice you to compare auto insurance quotes if you modify your vehicle. I will explain this why it is important to compare auto insurance quotes later. First let us talk about how modifictions would affect auto insurance.

The vehicle is the main thing you are insuring. Just as no two modified vehicle are alike, no two visits to the insurance man to protect those cars will turn out the same way. Insurance companies are in the business of assessing the risk and rating it as per their assesment. When modifications are made to a vehicle, the nature of the risk changes. It would either become a higher risk or the modifications are done to make the vehicle more safe. It would be in your best interest if you have all the details of the allterations made to your vehicle listed. This would help in informing the underwriter on a case-by-case basis for each. Facts are your friend in insuring a modified vehicle, followed closely by attitude.

First, do not, under any circumstances lie about a modification. Full disclosure is an absolute must. If you do not disclose a modification the company is within its rights to terminate your coverage in the event of an incident. This would be considered a misrepresentation by the insurance company and the auto insurance policy will be void. The company can claim that any change, even something as simple as changing out the front seats, alters the driver’s perception of the road thus creating an unsafe situation. The only way to counter that is to disclose the change with full documentation of exactly how the modifications affect safety and driving performance.

At the same time, while you should not lie, you should also couch your disclosure in terms the company wants to hear. A change that increases rpms and horsepower to enhance speed, while sexy to your ears translates to fast, reckless driving in the insurance world with a greatly increased chance of an accident and claim. Talk in terms of engine efficiency. Downplay the speed demon aspect of the change or emphasize that it is for on-track use only. Make it clear that the vehicle is always securely stored and not driven daily. This alteration is changing the nature of the risk to higher and you will have to compare auto insurance quotes and review car insurance.

The risk can become lower also if you add and highlight the presence of theft deterrent systems like GPS tracking and monitoring. Be prepared to negotiate every change individually and realize that some changes may counterbalance others. An improved braking system, for instance, may take some of the premium sting out of an engine modification that enhances speed. But also, be realistic. Some things the insurance company will not like no matter what you do. It’s hard to make a case for the safe use of a roll cage and a nitrous oxide injection system. If, however, that equipment can be removed for off track use, you may be able to negotiate a better rate.
After each modification, apprise the insurance agency of the change and review the terms of the policy. Be sure you understand the following insurance terms:
Actual Cash Value: A policy that will pay benefits at a depreciated “book” value. Modifications will not be covered.
Stated Value: A policy that accepts a value for the vehicle at the time the coverage is written but that does not bind the company to using that value in determining a claim payment.
Agreed Value: The only policy that gives the owner a complete return on modifications. Coverage considers the cost of totally rebuilding the car with identical specifications.
The most important thing to remember in a modification scenario is to never let the policy languish. In essence “modify” the coverage every time you modify the car. Disclose everything. Document everything. Be prepared, if necessary, to educate the insurance company. Review car insurance coverage and compare auto insurance quotes at all times to get low auto insurance rates. Be prepared to shop online and give yourself enough time for this.

Amish Shah : To continue our conversation since I found your tips very useful, can you give me some tips for online car insurance to compare auto insurance quotes.

Online car insurance tips for low car insurane rates

Response: Amish, I am glad that all my efforts are bringing good results for my readers. It is true that getting online car insurance quotes is very easy for all, since all you do is plug in the required information. Let me tell you that to actually compare auto insurance quotes online, is a different matter and for this you need to remember the following tips so that you get the low car insurance rates but the best auto insurance coverage. Yes, I literally mean eat a piece of cake and have it too.
1) Do your homework first and have all your information ready and listed as to what coverage you are seeking like liablity, comprehensive, collision, uninsured motorist and what limits you want.Secondly have all the information on the car you are using including the purpose of use and mileage used including the safety features you have installed in the car if it is an older model. Third the information of the drivers of the vehicle in your family. You need this information handy and preferably wirtten so that you can go for multiple quotes since sometimes you will have to give this information to individaul companies.
2) Set aside a specific time for this so that you would not be distracted and you would be able to compare the quotes and the coverages.
3) You will need to compare the discounts offered by each companies also since they might differ in the discounts offered. The type of discount or the percentage of discount would differ from company to company.
4) You need to also look up the other benefits and additonal coverages given by each insurance companies like road assistance services or towing services which are given for free. You should also consider if you have already opted for a road assistance company.
5) The rate should not be the only creteria for comparison but also consider the customer service of the compnay.
It is an established fact that when you compare auto insurance quotes online you will make a huge savings, since the insurance company saves on their operating cost.

Thanks.
Kamlesh

Amish Shah : I was thinking of going in for online auto insurances quotes but was advised that it is not save and that the rates are not accurate?

Compare auto insurance quotes online and get low auto insurance rates. Period.
Response : Amish, you are not the only one but still a lot of people fear online buying or shopping. They are afraid to get a quote online because they fear it isn’t safe? These are some of the top myths which need to be clarified. Thanks to the social medias online, people are now thinking of the web as much more reliable to get information quickly and instantly.
Let me explain that taking a quote online is no different than taking it from an insurance company or agent. In fact, the agent might not be aware of the latest changes. However when the auto insurance companies set up Web sites for you to put in information directly into the system, the auto insurance rates are calculated by special programs which are tested before they are launched. The insurance companies have specifically designed the program which would take in the entire algorithm to measure a risk and calculate the risk based on information. The insurance agents can also perform and do perform the same task; however the insurance companies save on operating cost and so prefer online auto insurance ratings. The insurance company does not have to pay the agent commissions and the amount given for online advertising and promotions is very nominal compared to the commissions. What is important here is that the information given by you is correct to get the correct quote. For example if you miss to give the detail of any accident or an additional driver than the quote will be different.

Secondly, when you get the quote you should look for any information or waiver given by the insurance companies. In case there is some special situation and there is no question pertaining to this, please do not hesitate to call up the insurance company’s customer service department and get the information or explain the situation. This customer service department person is well-versed of such situations and will walk you through the quote.
Here is a special tip, compare auto insurance quotes online and select the best or low car insurance rate which you like. Call on the insurance company and speak to their customer service department, you would get a fair idea of their customer dealings which is important for you and than go online and buy your insurance.

Amish Shah : I was reading your post with Dave Dee and I can understand the importance to compare auto insurance quotes online, but how do I do this?

Six steps to compare auto insurance quotes online:

Response : Amish, earning money is one thing but saving money is more important and rewarding. Once you master the technique of comparing car insurance quotes online, you will be able to save for your lifetime or your self, your family and friends. Information and learning can be easily passed on like a marketing sales.

To make things easy for you and so that you are able to get the best auto insurance coverage at the lowest auto insurance rates the Everyone loves saving money and auto insurance is no exception. If you want to be an expert in buying car insurance online the fast and easy way, you will need a few things to make sure your transaction goes smoothly.

1. You should know what coverages you want to opt for. This is easy for you once you examine the declaration page of your present policy. This is the first page of your policy, wherein the details of the coverage are give alongwith the limits of coverage. It will also give you the price of each coverage.
2.Once you have decided that this is the excat coverage you want and the same limits, you should fill in the same information for the auto insurance quotes you want to compare. Remember that you have to compare apples to apples. If you fill in for a higher quote than you will naturally get a higher premium in the new quote. You need to atleast take coverage as per the minmum state limits.Online comparetive auto insurance quotes will give you upto 5-10 auto insurance quotes from different insurance companies at one go now and hence once you plug in the information you will need to compare only the cost of auto insurance for each company – the price or the premium.
3.You will need the drivers licence and the information of all family members since the same has to be declared in your application and also online auto insurance quote. Information of the driving history of each member is also relevant and need to be declared. .
4.You will have to put in the make, model, and year of all vehicles in the household. When you purchase your policy online, you may also need the VIN number of all vehicles in the household.
5.All information about your past insurance history including any claims placed or lodged with the insurance company will have to be filled in. It would be best to declare any insurance coverage details up front, since any wrong information can go against you at the time of a claim and hence the very purpose of insurance would be defeated. Your new insurance company will want to know how long you have had continuous coverage. There are discounts available with some companies If you have had continuous coverage for a certain length of time. When you begin a new policy, make sure you cancel the old one. You do not want to be insured at two places.
6. You will also need to know the purpose of use of the vehicle, for example, if your son is using your car for his part-time delivery of pizza than you will need to declare the same to get the right quote. Also if you are going to drive less mileage or car-pool than this would earn you a discount and so it would be best to put in these details to get the correct quote and compare auto insurance quotes online.

Let me know if you require further information. You can try out and compare auto insurance quotes online at this website www.compareautoinsurancequote411.com and get low auto insurance quotes. Check it out if you want.

Amish Shah : How do distractions affect auto insurances?

Distractions can lead to high instead of low auto insurance rates :

Reponse : Distractions whilst driving is supposed to be the main casue of auto insurance accidents. An auto accident is going to affect your driving record and you are back to the task of again going to compare auto insurance quotes and reveiw car insurance coverage.

Small distractions can lead to grave consequences for yourself and others on the road. This can increase your car insurance tremendously. Here is a recent real example on what pre-occupations when you are driving can lead too.

Deborah Matis-Engle a woman from California was test-messaging on her cell-phone and crashed into a line of stopped vehicles. The vehicle she collided with burst into flames and killed 46-year –old Petra Winn.

On the 3^rd April Deborah was sentenced by a judge in Redding, California to six-years in prison. The investigators of the accident found that Deborah was speeding and text messaging when she slammed into the other vehicle. She had paid several bills by cell phone in the moments before the crash and this was the negligence and reason for the crash.

This is only one of the many accidents which is the result of distractions and which is the cause of high auto insurance. Be careful and drive safe to save life.  Surf online and check out for cheap online for quotes. Compare auto insurance quotes and save your hard earned money.