Tag : insurance-companies

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home insurance, the Consortium

Home insurance have a period for claims of the consortium of extraordinary risks caused by natural phenomena usually unnoticed, because there are many factors in home insurance accoune, that they obviously cannot be aware of all of them.

This grace period is 7 days from the datt in the of effect and applies only in material losses by events of nature, being exempt from exclusion period the injury, what ever thecause of the accident, and damage, if they had been produced by facts derived from the human will.

See article 8 of the regulation of the extraordinary risks home insurance



In this case there is no much to explain, as when insurance is contracted for the firsttime we have to be aware that there is this grace period, except when the risk to make, did not exist prior to the date of the policy.

It can also happen that we ring insurance and after 10 days, or months back itto make, but we can not consider it replacement. Here also the deductible period will apply the Consortium.

Here is where errors may arise to think that we are doing well replacement, when it is not.

home insurance

home insurance

The Consortium does not apply grace period when there is replacement, understood this as a continuation of insurance, without interruption.

Therefore the time of expiry of insurance, is a parameter that must pay careful attention, but that is not usually analyse when we change insurance, and is important to do so to avoid the consortium to apply us the grace period.

The possible effect and insurance expirations dates are: 00: 00, 24:00 h, 23:59 h andone hour either.

24:00 and 23:59 h mean the same, i.e. when one day ends.

H 00: 00 means when you start a day.

There are companies that depending on the type of insurance when you issue the same day, the effect time is the time of recruitment or the 00: 00 of the next day.

You will understand it better with several practical examples:


1Home insurance has 1.11.2016 due 00: 00 h, and the new policy that replaces the previous issues with effect 1.11.2016 to 00: 00 h.


Does not apply grace period, there is continuity, without interruption.



Home insurance has expiration 1.11.2016 at 23:59 h, and the new policy that replaces the previous issues with effect 1.11.2016 to 00: 00 h.


Does not apply grace period, there is continuity, without interruption.



Home insurance has 1.11.2016 due 00: 00 h, and the new policy that replaces the previous issues with effect 1.11.2016 at 23:59 h.


If that applies grace period, there is no continuity. There is disruption because the previous insurance just when it begins the day 1.11.2016 and new insurance takes effect when you just 1.11.2016 day, so there are 24 h without coverage.



Home insurance has 1.11.2016 due 00: 00 h, and the new policy that replaces the previous issues with effect 31.10.2016 to 00: 00 h.


Does not apply grace period, there is continuity, without interruption.
home insurance

home insurance


Home insurance has 1.11.2016 due 00: 00 h, and the new policy that replaces the previous issues with effect 1.11.2016 at 11:30 o’clock.


If that applies grace period, there is no continuity. There is an interruption of 11 h and a half, in which there is no coverage in any of the two policies.


Home insurance has expiration 1.11.2016 at 13:15 h, and the new policy that replaces the previous issues with effect 1.11.2016 to 00: 00 h.


Does not apply grace period, there is continuity, without interruption.



Home insurance has expiration 1.11.2016 at 24:00 o’clock, and the new policy that replaces the previous issues with effect 1.11.2016 to 00: 00 h.


Does not apply grace period, there is continuity, without interruption.



Home insurance has 1.11.2016 due 00: 00 h, and the new policy that replaces the previous issues with effect 1.11.2016 to 24:00 h.


If that applies grace period, there is no continuity. There is disruption because the previous insurance just when it begins the day 1.11.2016 and new insurance takes effect when you just 1.11.2016 day, so there are 24 h without coverage.


Purchase your new insurance with a date of effect of 1 day prior to the expiration ofthe insurance to replace, to heal in health, and avoid 100% that you can apply the Consortium the deductible period, and stay without insurance coverage for a few hours.

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Automobile insurance, ten questions and answers


Automobile insurance  mandatory for all motor vehicles. But sometimes we are here trying to solve doubts us. These are the most recurrent ten, but if you have some more,please add it in the comments at the end of the article.

1. I bought a second hand car. Do I have to continue with the insurance that had the previous owner?

No, the hiring of a certain part of your freedom of choice. There is no limitation to change insurer or insurance.

2. If I buy a new car, who I cover from the dealership to my house?

You must take out insurance before using the vehicle. It is prohibited to circulate with the vehicle without compulsory automobile insurance. If an accident, as well as the corresponding penalty, the driver of the vehicle would be responsible to cover damages that may occur.

3. I pay my automobile insurance by bank transfer, but it takes a few days to become effective. Does insurance cover me during that time?

Yes, there is a month of suspension of the contract after the day of the expiration of the premium. Not only that. The contract would only extinguished in this case if theinsurer does not claim the payment within the six months following the expiration of the premium.

4 I have sold my car and I want to cancel the insurance. But I still left five months sothat it expires. They returned me that proportional part?

No, since the premium is unique. Just return it to if the insurer wants to do it, but it has no legal obligation.
automobile insurance

automobile insurance

5. I want to change automobile insurance, but in other insurance companies ask me my current insurance policy. Is this legal?

Yes, there is any rule prohibiting it. You can use these tips on how to unsubscribe from your insurance company. When hiring a new one, we recommend that you compare insurance car here, since you can compare between a lot of insurance companies in one place.

6. What time does an insurance company‘s vehicles to compensate a loss?

The insurer is required to satisfy the compensation at the end of investigations andappraisals required to establish the loss and economic damage. In any event, within a maximum period of 40 days from receipt of the statement of claim should be putat the disposal of the insured the minimum amount which may be due. Roughing know that there are cases not covered by car insurance.

7. What are automobile insurance  expert expenses?

Expert costs is what takes an expert to perform their work. If there is no agreement in the assessment of a claim and to hire experts, each party must pay the expenses of their expert. If no agreement is possible that you have to go to a third expert (be paid half).

8. My automobile insurance company and I do not we agree in the assessment of a claim. What can I do?

Although long ago we reviewed what to do if you disagree with your insurance company, we summarize it. Each Party shall appoint an arbitrator, and must record in writing the acceptance of these. If a party had not made the designation shall be obliged to perform it within a period of 8 days from the required by that had appointedhim.
If there is agreement, it will pick up in minutes and will proceed to indemnify the insured; If there is no agreement, you may designate a third neutral arbitrator, in common agreement between the parties and if then there is no agreement, the appointment will have to be carried out by the Court of first instance.

9. No company wants to make my car. What can I do?

First thing is to file an affidavit stating the refusal of insurance companies to formalize the contract and, if possible, the copy of the rejections made by them to the Consorcio de Compensación de Seguros, who must make. Insurance is mandatory, so itshould always be possible to hire him.
automobile insurance

automobile insurance

10. Offer. me a franchise to leave insurance me cheaper. What is it exactly?

If it is hired cars with this type of insurance, the insured participates in the sinister economically and in a certain proportion. That is why insurance is cheaper. For example, if a 20% franchise has agreed, and occurs a loss valued at 601,01 euros 120,20 euros would be in charge of the remaining 480,80 in charge of the insurer and the insured.
It also tends to contract with certain amounts. For example, with excess of 90 euros,the insured would pay up to that amount while the insurance covers the excess overthe amount of franchise. Be interested in the article on how to choose the most suitable insurance.
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Life insurance what you need to know

If you’ve never stopped to think, it’s time to stop it, get yourself life insurance
When one is becoming greater, begins to worry about things that previously did not have the least importance.
The economic problems that would cause to the family after the death is one of thefears.
42% of Spaniards older than 25 years claims to have contracted some kind of life insurance: 25.3% and 16.7% linked to a mortgage “open market”, without linking to any type of financial product, according to the Institute of sociological studies, analysisand research.

What is life insurance?

Life insurance is a form of personal insurance covering the risk of death of the insured (in case of death) or their survival to maturity (in the case of life).
It aims to ensure the economic security of those who are economically dependent on the insured in the case that this dies

How to choose the ideal life insurance?

Choosing a safe is not an easy task, but you choose correctly that long term so longterm meets the expectations placed in it.
It should be considered a series of guidelines, consider the number of ages of children or persons under age in charge, needs of the family and the money needed to make this be reattached to a new financial situation).
life insurance

life insurance


What are the different protection of life insurance?

 1. life insurance for life or ordinary: ordinary life insurance provides protection for the insured during their lifetime provided premiums are paid. Permanent life policies require the payment of premiums of constant value.
2 temporary life insurance: the insurer will only pay the insured amount of this coverage if the insured dies during the period specified in the policy contract.
It aims to provide protection during this period.
3 total life insurance: the insurer will pay the insured amount of this coverage to theend of the contracted period or sooner if the insured dies. Its objective is to provideprotection for death and survival.

The intelligent purchase of life insurance

1 get quotes from several companies. Each insurance company uses assurance guidelines, a company can sell a policy with a premium lower than another.
2 make comparisons. It is important to make sure that policies that compare offer similar levels of coverage.
The more features and benefits you have a policy, it will cost more. But it is important to know that a policy does not choose only by price but by their characteristics since they must be adjusted to the needs.
3. form of payment of the amount insured. The payment is another point that should be checked accurately now is not just a one-time payment, which leads to deliverthe guaranteed total quantity, which one trust, which are fixed in forms partial payments.
4. it is important to take into account the possibility of changing the level of protection according to the specific needs of each moment.
life insurance

life insurance

What are the benefits of life insurance?

Life insurance, is characterized mainly by the benefits it offers.
1. the protection of the survivor, providing funds for the survivors of the insured tomaintain their way of life in the event of the death of the insured. If happens something to the insured, loved ones can move forward and overcome the new financial situation arising.
2. in case of permanent disability, the insurer provides compensation which allows to complete the pension offered by the State.
3. this insurance is unattachable, which means that life insurance is not liable for thedebts that the insured had upon the death. This allows that it is received when taking the inheritance, secured capital although be rejected, the debts of the policyholder.
4. If the beneficiaries are immediate family members, capital will receive in the event of death is not required to pay taxes on inheritance and gift tax, is exempt. Withthis, the policyholder can rest assured that capital has hired will be those coming tothe family.
5. the policy may be gaining and losing coverage as beneficiaries on the basis of what is needed or is decided in each moment. You can include a new loved one as beneficiary or dispense with coverage that we no longer need.
For many this topic is rather violent, but is essential to good advice, study the diversity of offerings in order to determine what is the ideal coverage needs.
Here are some tips that I give life insurance.
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Home insurance nine services for you

In his bet by differentiate is of the competition, the companies seek, each timemore, market services extra in its safe of home insurance for attract (or loyalty) to new customers. In this article you have what are the more prominent.
It has stopped operating your computer and we are worried to take it to a Service Center for the price which can be repair? Have you lost your luggage on your last vacation and consider insufficient the assistance offered by the travel company? Beforeincurring any additional expenses, we recommend that you review your home insurance, because it is possible that your company offers you a service in your policy with which to face these situations.

In his fight to win positions in the market, insurers compete not only with aggressive discounts and promotions, but also with the inclusion of certain extra services thatprovide differential value to its products. Most of them do not imply a rise in insurance home (as, for example, assistance in DIY at home) while others may require to expandcertain coverages (happens in the case of service removals, among others). In this article, we have evaluated which of these “extra” can help make your life easier.

1. Computer support

In a world of such technology as the current and which, in every home, there are plenty of computing devices (computers, tablets and media players…) a home insurance that does not cover assistance or repair of these items is unthinkable. Therefore,most of the companies include it in their conditioned, although with different limitations: Mapfre, among others, guarantees in its policy more basic remote support forsmartphones and tablets 24 hours a day, as well as installation of antivirus systems.AXA, on the other hand, incorporates this service only FlexiVip, their policy of high range.


2 Travel assistance home insurance

If you usually frequent trips we recommend that you check whether your policy includes issues related to the loss of baggage, repatriation or medical expenses of emergency. While tour operators provide assistance to such unforeseen, it is possible that your home insurance will have greater coverage. Caser, Asefa, Mapfre or Genesis include travel assistance coverage and Mutua Madrileña, in the case of theft or lossof luggage or personal effects, commits to, once recovered, move them to the placewhere directed by the insured.


3. Repair of home appliances

More and more home insurance companies include repair of home appliances. In some cases it is an optional warranty that represents an increase of the cost, for example in the policies of Asefa and Caser, but in others the company offers it for free. MAPFREis notable for covering two interventions per year to repair mechanical, electrical orelectronic breakdown suffering from our appliances, and includes displacement, three hours of labor and parts.

home insurance

home insurance

4. DIY service

Home insurance may also include assistance in DIY, plumbing or electricity. A teamof professionals will be available to assist, not so much in repairs that may arise against certain unforeseen events, but in specific needs that have the customer, as for example, to assemble a bookshelf, modify the color of a wall or change the décor ofa room. Thus, Mapfre offers two interventions per year and three hours of labor in each visit and companies like Liberty Seguros, Allianz, Asefa, Catalana Occidente, Generali, or Genesis also incorporate a similar service for free on their insurance.


5. Medical consultations

The company makes available the insured medical orientation of permanent assistance service, 24 hours a day, 365 days a year. This service provides information of general health, medical centers and emergency, centers vaccinations, ambulances, pharmacies of guard, etc. You can find it in insurance from Allianz, Asefa, Catalana Occidente, or walnut.

6. Protection against unemployment

Some policies of home include coverage by unemployment, which provides some security in uncertain times for the family. Others include Asefa, which covers the amount of three monthly mortgage payments in the event that the head of household isunemployed. However, it is important to review the terms of this service, even though we‘re paying for it, maybe that she is not always comply with standards requiring companies to access the same.

7. Special autonomous

 If you are a self-employed worker and depend economically on the day of your work, there are home insurance companies that offer extra services to contribute to your peace of mind as a professional. Normally, this translates into a subsidy for every day low or each day you remain hospitalized and outweigh revenue that will no longer beobtained because of a temporary disability. This coverage usually entail an additional cost and therefore increases the value of the policy depending on who they hire.
home insurance

home insurance

8. Tax advice

Although the coverage of civil liability and the legal assistance have become two ofthe basic elements of any insurance, some companies have begun to also offer advice on fiscal matters. It is, in particular, for the preparation and submission of taxes (the Declaration of quarterly VAT, for example) or support at the time of the statement of income. Usually the company provides this service, directly as in the case of  home insurance of BBK, which includes tax advice in matters relating to income tax orwills-.

9. Access to preferential discounts

In order to attract new customers, increasingly the home insurance companies who sign agreements with other organizations to offer discounts to their customers in the event that they acquire certain services. For example, those who subscribe to a policy with Adeslas will benefit from discounts at Barceló Viajes and, if they do so with Mutua Madrileña, will get rebates on fuel, car rental, repair vehicles or, even, tickets to cultural and sporting events.
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Home insurance, things to know

home Insurance

Well it is true that ensure the home is not obligatory, but not for this reason, home insurance are less important. Nothing is so our home as. By this, is essential know them risks that threaten our housing and them offers that we offer them different companies home insurance to ensure our home.

There are different types of insurance: those covering damages to third parties, for example, water leakage; and that cover our belongings in case of fire, flood, theft… (they can even cover damage to your pet.) You can choose to protect every thing separately or make your home using a secure multi-risk home, a more economic and efficient option. Analyzes them offers of the different companies of insurance and selects which more is suits to your needs and interests. You must also take into accountthat to secure your home, owner protects it of natural disasters by the Consorcio de Compensación de Seguros. Floods, hurricanes or, even, the attacks terrorists not already threaten your home.


Home insurance: what claims covered by the guarantee of fire?

One of the risks that more justifies the hiring of a safe of home is the possibility of that is produce a fire in house. They are very feared accidents, which are not amongthe most frequent claims, but whose consequences without tend to be very serious,both from the economic point of view and from the perspective of the loss of life that cost these claims each year.

Them data on the claims of fire in the home in 2015 reveal that this year is produced until 15.628 fires in homes, what is a half of 43 fires daily. These fires are claimed the life of 110 people, a high figure that, however, is a 15% more low that it registered the year previous.

Faced with this reality, home insurance offer fire coverage as a way to alleviate the effects of a fire at home. The insurance contract Act establishes the rules that guide this coverage, which is very important in this type of policy by the protection offeredto families and companies that are exposed to suffer a fire


home insurance

home insurance

Fires in the home insurance coverage

With fire coverage,home insurance are required to compensate the damage caused by a fire when fire arises incidentally. The law of contract of insurance specific some causes that they are under the protection of these policies, such as the “ill-will of strangers”, coming to be the same as the fire is caused intentionally by unknown.

The action of arsonists and the fire originated by a neglect, own or of people to charge of the person insured, are cases in which the safe of home also responds with acompensation by fire.

On the other hand, the law of insurance contract sets that insurers are not obliged to compensate the damage by fire arising out of fraud or serious fault of the insured. Of this form, which is wants to avoid is that any garment fire intentionally to a roomof the House to collect the safe.


Compensation for home insurance in case of fire

Home insurance with coverage of fire should compensate those damages and material losses caused by fire, within the framework laid down in the conditions of the policy.

The action of flames and smoke can cause many destructions in housing and in fixtures, appliances and facilities of the House. On the other hand, put out the fire may be a cost, in the same way that have to assume different expenditures when Burns USHouse, as the accommodation while the dwelling is restored, the moving of furniture when it is necessary, or works of painting of the facade and the walls of the Houseto return to its previous appearance.

The home insurance policy usually come defined cases that covers this firecoverage, but these are the damages that are usually included in this warranty:

Damage caused by the fire in the House
Damage caused by the flames are covered by the policy, although we must look to the insurance conditions to know the details of this compensation. In this sense, we must take into account if our insurance covers only mainland housing or also includes the contents within the coverage.


Cost of firefighters

Turn off the heat does not come free and if the fire occurred because of negligenceof the owner, the costs of extinction could be passed on it. In this case, again, we must look at the conditions of the policy, since most insurance cover the cost of the fire, although they do not always cover 100%.

Damage caused by a lightning strike

Some policies also offer protection against the consequences of a lightning strike. In these cases, the home insurance covers damage caused by the fire that can trigger lightning.
home insurance

home insurance

The objects disappeared in the fire

Fire coverage offers compensation for the value of the missing items, provided thatthe insured person verifying its existence. In these cases, only it sees as except that the insurer proves that those objects were stolen or stolen.

Reconstruction of housing

After a fire, if the housing has been destroyed completely, the owner can choose between cash compensation or embark on the reconstruction of the House. In this second case, are often set some maximum limits for the costs of reform, although in some home insurance it covers up to 100% of the repairs.

Accommodation and furniture moving

There are home insurance which, under its guarantee of fire, Coast family accommodation expenses over a period of time, while seeking alternative housing or the reconstruction works are carried out in the damaged house.
If works are performed in the housing to its reform, it is possible you may need to take the furniture of the House. These costs may also be included within the policy.

Damages that are not covered by fire insurance

In addition to the damage caused by a fire caused intentionally by the policyholder,fire coverage usually does not cover those damages caused by the action of the heat of different elements, but that does not reach to generate a fire. We speak of sunburn generated by sparks and Sparks, which can cause an iron on clothes or a cigarette on the couch.
In addition, damage to objects that are considered of particular value (jewels, cash,art objects, etc.) would be covered only if they are included in the conditions of thepolicy.

You hire a home insurance with coverage of fire

However, having a home insurance with coverage of fire is always a good choice, while it is not mandatory. A fire is a tragedy and the insurance can help restore normalcy. In any case, it is important to compare between different offers to find that most interests us, with the most economic price.
In this sense, our insurance online comparison can help you to take out home insurance cheap and interesting guaranteed like this. Just fill out a form, we compare foryou the best offers on the market and get more interesting price. We work with insurance leaders, all confidence, that can offer you an interesting offer, with quality coverage and services.
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Car Insurance Online, the Best for You

Doubts and ignorance drive away some users of online car insurance contracts. However, the reality is that negotiations over the Internet are increasingly frequent, easyand safe. In the insurance sector experience and professionalism are one sufficient guarantee so you can try this possibility.

Hire car insurance over the Internet does not have to be a problem. In fact, it is a process that brings together a handful of advantages that are worth rating, if you‘re not entirely convinced.

1 Hire a car online insurance is fast

If you have haste, for the reason that it is, and you need a car insurance already, it ismore than likely that the best option for you is the online recruitment. Electronic management has come a long way in a very short time and insurance companies give virtual answer to the needs of immediacy that customers are demanding.

Although it may depend on the particular circumstances of the client and the type of insurance you want to hire online, in the case of conventional policies online processing will allow you to save time. For starters, you won’t have to go to no physical office or, for example, have to wait to be seen.

insurance car

insurance car

2. Find cheap car insurance is easy if you are looking for online

Virtual accessibility is a feature which enjoy the vast majority of pages created for the processing of online car insurance. Intuition is enough to navigate with total reliability and its best results in the hiring of an insurance policy, it is not necessary for you to be an expert in technology or computer, a userlevel is sufficient.

If your experience in an application or website for online car insurance, does not respond to these expectations of simplicity and safety, it is recommended that you notfollow the procedure. Solvents and with guarantees insurance companies have online services 100 by intuitive 100 which you can follow with ease and comfort.

3. The best insurance car, without schedules or geographical limitations

The lack of restrictions on the time and space defines online shopping and is an undeniable advantage in the case of insurance car online subscription. No matter the time of day you have free or available to do this type of management, you don’t haveto stick to commercial schedules, even looking at the clock or the calendar, you choose and decide.

Just with the schedules like space. You might need to renew your car policy or signa new get when you are not in your city, you can even that you are out of the country. With companies that manage online that will not be a problem. Whenever you have a compatible mobile device, and a connection to the network can hire a car or,as a minimum insurance policy much advance the process and compare budgets.

4. Many types of bonuses and specific offers car insurance

Insurance companies aspire to your online business to thrive at the pace that marks the market and to help the most undecided against new technologies or persuade them to choose among different alternatives, they often launch targeted offers.

Economic discounts and promotions that you can find on the net, if you are looking for information on online car insurance, they are very interesting and you can enjoydiscounts on premiums to pay that apply only in the case of the procedures for dealing with online car insurance. You will not only find best prices, also are usual services, coverage or additional and exclusive assistance for contracts of this type.

5 Calculate your insurance with total security

If you tramitas your car insurance online with a company with guarantees and professionalism will not have security problems in any sense: the protection of personal data, the processing and payment of the premium are fully guaranteed and verified by current security protocols.

Prudence, however, is always recommended, especially if you decide to delve into not too known insurance pages. In these cases it is important that you check the Security page and online reputation that the insurer has. You can do it in seconds witha simple search of the name of the company in any search engine for routine use. Ifyou have any doubts or you get makes you suspect, takes measures and be cautious.

insurance car

insurance car

6. Safe car with ongoing advice and information

You‘ll never be only in a processing of a secure online car, keep in mind that services the user which you can find on the net are every day more and better. From chat or instant messaging with an Advisor, to telephone support and in many cases free, during or at any point of the same.
Never stay with doubts or lack of information when it comes to choose and buy your car insurance, if do you it online do not have to renounce these information services and advice that makes you always feel quiet and backed up, secure the product that you are hiring conforms to your needs and your car.

7 Calculate your online car insurance and choose with help of the comparators

The comparators of car insurance are one of virtual tools that more users every day,their success shows that they are advisable, useful and practical. If betting information and hiring your car insurance policy online, comparison of budgets is simple andmuch more rapid, complete and efficient.
In just a few minutes, any user can complete the main data needed for a comparator offers you more than ten budgets. Only half an hour more than view virtual in themain insurance companies, you can get the information needed to choose your policy and even hire her. This process would take weeks to you do it in a traditional wayand visiting different offices.
This set of advantages confirms that hiring a car insurance online is a good idea, butif there are still doubts and you‘ve never explored this terrain, it is best to do it now.Personal experience is the ultimate proof that you will show if the virtual recruitment of your insurance policy is the perfect way of processing for you.
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Auto insurance, two types of insurance

If you are thinking about commercial auto insurance for your business, you may find the same expensive. However, ways to reduce costs can still be found. You have many options to choose from, select the one you know about your budget.

These are some of the ways or ideas if followed can help reduce the cost of auto insurance to a minimum.

1. Your driving experience

Almost all auto insurance companies use the details about you to set the costs of the policy to provide better accidental coverage. They would be asking about the history of your vehicle, your driving experience, claims history, accident rate, etc.

Showing a driving record with a very minimal or no accident rate is a great way to make use of the policy at the minimum rate. In your business, you need to make sure that your employees are following the local speed limit. This will help reduce the possibility of paying higher fees and fines. Good drivers with the great driving record will pay less for additional fees. One of the ways to ensure your drivers keep records clean is by passing them through Motor Vehicle Reports (MVR). You can take the help of an auto insurance agent for this activity. A commercial driver’s license is required to cover truck hazards. You can get discounted deals based on the driving experience.



2. Get a free credit check

Many auto insurance companies also ask your credit history to fix the type. You can ask them what kind of information they require. It would be helpful to get a better understanding of the factors that determine the premium rate.

Before buying any of the policy, you should have your credit history handy with you so that you will not be surprised when the rate is set. There are many websites that allow annual free credit check cost. In addition, you can also sign up for a program that can help you stay on the check changes that may be taking in your credit score.

Raise deductibles and take advantage of discount offers

If you have selected the highest deductibles, you will have to pay less on your auto insurance rate. You have the option to opt for the deductible that you can pay out of pocket at any time in case you have faced any eventuality or known an accident.

If you pay the full amount for the upfront premium, you can save 15 percent as a discount offer.

If you still do not want to deposit your premium in full, your verification processing fees can be waived. Your payments are deducted directly from your account. This will help you focus on your business and reduce your stresses by not making the payment on time.

If you take care of these points, you can very well stay informed about auto insurance policies, save money and reduce your financial worries.

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Insurance companies put more than one policy

If you have home insurance, car insurance, life insurance, and anything else, see if you can not place multiple policies with an insurer. New policies are golden for insurance companies, so they can offer you better deals if you bring in more business. Call and find out what kind of rates you can get if you bring more policies to an  insurance companies  you may be surprised.

Of course, there is a clear risk here, and is that the  insurance companies will not be able to pay in case of another financial crisis or a natural disaster. This risk is difficult to quantify, but beware of a very low cost policy of Bob’s Cabin Insurance versus a larger, well-established company. That is not always fair, but liquidity is likely to be a minor problem for a larger insurance companies.

insurance companies

insurance companies

Play against other insurance companies

The fact that you have gotten a budget does not mean that you have to accept it. If you are not getting quotes from at least three insurance companies, you are probably missing an opportunity to reduce your premium.

Once you get your appointment, it’s time to start negotiating. Tell one of the highest priced deals you would like to cover, but received a more competitive rate on other sites. Then take your counteroffer and call the other guys. Repeat this process until no one is offering anything else. It may require an hour of your time, but your savings in costs could be huge – especially if you are bringing several policies to the same insurance companies.

insurance companies

insurance companies

How to deduct from insurance companies

I recognize from the beginning that this is not the best option for everyone. Raising your deductible means you have to pay more out of pocket after an insurable event. If you do not have immediate access to money to cover your deductible, or are going to make you feel dizzy to pay for it, do not do it.

However, if you have a sufficient mattress to justify and you are willing to take the risk, this can be a surprisingly easy way to lower the cost of your insurance companies. Behavioral Economics says that we tend to exaggerate the low probability events in our minds, which can lead us to overinsure against them. A higher deductible allows you to hide your savings away, which in turn will make it increasingly easier to cover the deductible over time.

These simple methods require a little time on the phone and a little patience for negotiation. Give it an hour – you may be surprised by what you can achieve. While you’re at it, be sure to ask for discounts. If you are a certain age, a safe driver, or have certain safety features in place of your home or a car, you may qualify for additional savings.