Tips you can use car insurance rates comparison

There are so many ways that you can use to keep your auto insurance rates down and some of them you can use at the same time as other discounts to maximize your savings.

Here are some things that you can ask your auto insurance company for:

- Ask if you can receive a discount if you have more than one type of insurance with their company. For instance, you may find that you can have your auto insurance and your homeowner’s insurance with this company and they will provide you with a combined discount. Carry all of your insurance policies with them, such as auto, home, and life and you may find that you can get even more money off.

- If the driver of the car is a student or is listed as a driver on the car, you may find that you can get a good student discount. This is where the student maintains at least a B average on their report card. You may be required to take that report card to the automobile insurance company each time it comes out, but it really pays off. If grades go down, the discount may disappear until the grades go back up.

- See if there are any safe driver discounts available. When you haven’t had a ticket or an accident, you may find that there are discounts available for you.

- If you are a senior citizen and you’ve not had any accidents in a specific amount of time, there may be discounts available to you.

- You can always raise your deductible to cheaper car insurance premium online from auto insurer. However, you need to keep in mind that doing so will result in a higher out-of-pocket expense if an accident does occur. The standard deductible is $500, but some individuals will go as high as $2,000 to save some money on their premium. If you can pay $2,000 if an accident occurs, then that will work fine. Just make sure your deductible is not higher than what you can afford in case damage is done to your car and you need to pay it.

- You may wish to shop around. You may find a company that offers the same coverage for a lower price. You always want to compare before you make a commitment.

You want to use all of these tips so that you can save yourself quite a bit of money.

How you can compare auto insurance quotes online?

When finding the right company to do business with, it is very important that you compare. You can do this by calling companies and recording the different rates that they quote you. You can also do this by going to their websites and filling out the forms on their websites to receive quotes for the auto insurance you want. This allows you to compare in a much easier way. Take all of that information and make an informed decision.

Home insurance claims expected to rise by 270% on Halloween, Axa Insurance claims

Halloween is meant to be a bit of harmless fun, but according to insurers 31 October is also the worst day of the year for malicious damage to your home.

House insurance claims are expected to rise by 270% on Halloween, according to Axa Insurance, while Saga claims 3.6 million homeowners will face damage to their properties as some revellers go too far with nasty pranks aiming to deliberately cause damage.

Claims submitted last year on Halloween included broken windows, theft, and damage caused to paintwork by broken eggs. Last year, 15% of 2,044 people questioned by Saga said their house had been egged or flour-bombed on Halloween.

Damage caused to your property by an unknown third party is covered under your home insurance policy, but you should still be vigilant, according to Nick Kidd, head of household insurance at Axa.

“Any sort of damage caused to another person’s property is not only antisocial but also a criminal offence,” Kidd said. “And while insurance can pick up the cost it can’t deal with the emotional trauma.”

It is not just Halloween that has insurers on standby: bonfire night (5 November) is also notorious for malicious damage claims, many the result of firecrackers being pushed through letterboxes.

Kidd said: “Although it is difficult to avoid someone putting something through the letterbox, people should take extra care to ensure windows and doors are locked, garden gates are secured and outbuildings, such as garages and sheds, are locked.”

Axa said that following bonfire night last year the average claim for damage caused by a firework or firecracker pushed through a letterbox was £1,000.

Many people said they turned their lights off and pretended to be out to avoid answering the door to trick or treaters, but police and local councils say it is more effective to display a “No trick or treat” sign in the porch or front window. Many councils and local police stations have printable posters for homeowners to download on their websites.

Police advise homeowners not to open doors to trick or treaters if they feel intimidated by their presence, and to phone 999 should there be any disturbances or incidents outside or on their property.

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