Car Insurance Coverage For Pets in Car Accidents

By Amy Danise

Pets ride in cars all the time, but what if they're injured in a car accident? Whose car insurance company pays to treat their injuries? The answer depends on the cause of the accident.

Riding in cars can be dangerous for pets (as well as distracting to the driver), especially because they ride without the benefit of seat belts. If someone crashes into you and causes injuries to your pet, you're entitled to make a "third-party claim" with their car insurance company for your pet's medical bills. That's because their liability car insurance policy must put you "back where you were" before the accident.

If you are at-fault in a car accident in which your pet is injured, you'll want to check your car insurance policy for exclusions. Say you crash into another car or a fence: Collision insurance pays for the repairs to your own vehicle. But you may have an exclusion on your collision insurance coverage for damage to personal property that you are transporting, whether it's your antique vase or your pet. If your car insurance policy has such exclusions, you won't have a valid claim. For example, one insurance company says that its policies don't provide coverage for pet injuries. Car insurance coverage may vary depending on the car insurance company, so be sure to carefully check your policy.

In this scenario, if you don't carry collision coverage at all, you must pay for all damage from the accident, including your car and pet.

Perhaps someone comes to visit you and your dog goes to lie down under their car. Then, unknowingly, the visitor backs over your pet. Is the visitor liable for your dog's injuries? Yes, he is, but not under the bodily injury section of his car insurance policy. Bodily injury pays out for injuries sustained by any "one person" in an accident. Your pet doesn't qualify as a person so he's not covered by this portion of the car insurance policy policy.

However, for car insurance purposes, your pet qualifies as your "personal property," and you have the right to be "put back where you were" before the accident - in this case, meaning having a healthy dog. You'd have the right to make a claim on your visitor's car insurance policy for your dog's medical bills, just as you would have the right to make a claim if the driver backed over your lawnmower.

The death of a pet

Certainly pets are part of the "family," and the death of a beloved pet can lead to extreme grief. But your pet's status as your "personal property" may limit your options for compensation if someone causes an accident that kills your pet. State laws do not recognize the loss of personal property as valid claims for "loss of companionship" compensation, unlike the loss of a spouse. In the event your pet is killed in an accident, you can likely make a claim only for the "market value" of your pet.

Some courts have allowed damages for deceased pets to go beyond "market value" by applying "pecuniary value" or "special value," which applies to personal property that has no ascertainable market value.

Tips for traveling by car with pets (Source: American Veterinary Medical Association)


Cats should be in a cage or in a cat carrier to allow them to feel secure and prevent them from crawling under your feet while you are driving.
A dog that must ride in a truck bed should be in a protective kennel that is fastened to the truck bed.
Dogs riding in a car should not ride in the passenger seat if it is equipped with an airbag, and should not be allowed to sit on the driver's lap.
Harnesses, tethers and other accessories to secure pets during car travel are available at most pet stores.
Pets should not be allowed to ride with their heads outside car windows. Particles of dirt or other debris can enter the eyes, ears and nose, causing injury or infection.
Car insurance coverage for pets has been a long standing issue between car insurance companies and pet owners. There are certain scenarios in which car insurance policies do cover pets, as well as those that do not. It is important to be safe when traveling with pets in your car, hopefully you will remember the tips that we provided. Check with your car insurance company to determine if your pet is covered by your car insurance policy.

Amy Danise is an editor for http://www.insure.com Visit http://www.insure.com for a comprehensive array of comparative auto, life and health quotes, including a vast library of originally authored insurance articles. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant quotes from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown.

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How to Cut the Cost of Car Insurance

By Maurice Gertski

Less desirable and low value cars are cheaper to insure.

When I was 17 I wanted to own a Ferrari and live life in the fast lane. Even if I could have afforded the car, then I couldn't have afforded the insurance to cover it. At 17 you are brand new to the world of driving and statistically you are more likely to make an insurance claim. Mixing high-powered cars with inexperienced drivers is not something car insurance companies are super-keen about, the chance of a claim shoots through the roof with the price of the premium following it. When you are young and inexperienced, buy a low-powered, low value car to try and keep your car insurance premium to a minimum. If it is worth less then it will cost less to fix/replace when in your youthful exuberance you crash it. The same logic actually applies to everyone, the lower the value of the vehicle and the lower the car insurance policy will be in most cases. Sports and premium cars will always cost more to repair in an accident so the insurance will reflect this. New cars now feature myriads of anti-theft and driver aids that in many cases will help to reduce the cost of insurance so keep an eye on the spec sheet when looking at a new car. A good rule of thumb is that less desirable and low value cars are cheaper to insure.

Age is a concern

I mentioned it above and it bears repeating. Generally the younger you are the higher your car insurance premium. This is down to inexperience and the youthful belief that bad things will never happen to you. The statistics say otherwise, which is often a shock to an unsuspecting young driver who ends up in a crash wondering how it happened to him...Driving experience and age are usually linked and that leads to a method of reducing your insurance premium - whatever age you are you will benefit from advanced driving courses and many car insurers offer discounts for these qualifications. It may only be a five - 10 per cent saving for the course but on a premium of £1000 it's worth having the saving and it will remain with you for years, so it should be a good investment, not to mention make you a better driver.

Keep adding to the no-claims bonus

The more years you can accumulate without making a claim the better as most car insurers will offer a discount on your insurance for this. Effectively you are proving you are good business to have and because you haven't made any claims then you are a good risk for them to underwrite. There's nothing you can do here but keep your nose clean and don't make a claim. If you own a low value vehicle and dent it parking, you'd be advised not to make a claim on comprehensive insurance because it would reduce your no-claims bonus, likely to be for a small amount of money and you may even end up paying for most of it depending on excess. In that case, provided you have not caused damage to any other vehicles or property, keep quiet, fix it yourself and your saving on no-claims bonus will be sweet the following year - in time, when you have built up three or more years no-claims bonus, you can actually protect your bonus, meaning even if you make a subsequent claim you will not lose your bonus.

Convictions aren't cool

If you are an inner-city teenager then an ASBO may be a badge of honour. Insurers are less impressed by convictions though, so it is best to avoid them if you can. Minor speeding offences are certainly not in the same category as serial killer though, so if you have a couple of points it will not be the end of the world or have a major influence on your premium depending on the insurer.

If you've got a garage, use it

What are garages for? If you ask the average person they'll probably say for storing all the kids' toys, the home gym, bicycles, the freezer and tumble-dryer. I have news for you all; the garage is designed to house your vehicle when you are not using it. The fact that it puts a physical barrier between any opportunist thieves and your car is a real good thing and car insurance companies will recognise this and reduce your premium if you park in a garage overnight. Using your garage will save you money; it doesn't get any easier than that.

Anti-theft devices

Most modern cars come with immobiliser and alarms factory fitted and if you notify your insurer it will check to make sure they are to approved standards and will apply discounts if applicable. You can get other devices that slosh around in the passenger footwell until you park and then fix to generally your steering wheel or gear-stick. These are mechanical devices and some do attract further discounts if used, just do your homework before buying. Thatcham is the organisation which grades security devices and generally a decent mechanical security device will feature its Thatcham approval very prominently along with any premium discounts you may expect, so choose carefully.

Use a reputable broker

Car insurance is very big business with around 30million+ vehicles on the UK roads, so there is a wealth of car insurance companies to choose from. Ironically, the big names you are familiar with are probably in your head because of massive marketing campaigns on television, on-line etc. Regardless of the message, those marketing campaigns need to be paid for and that means they may not actually have the best rates, although the sheer scale of some of these businesses means prices will be keen due to buying or underwriting power. The best advice is to compare a couple of different prices from different companies. Call the insurer and then call a comparable competitor and then perhaps a small car insurance broker. Each one will ask you if you have a price already and you should tell them what it is. Generally if they want the business they know what to beat. The moment you get a broker saying they can't match the price then you are probably close to the best market price or else speaking with a broker that is not a specialist in the area.

A word of caution on price comparison sites

There are plenty of price comparison sites around which promise to drive the cost of your insurance policy down - Money Supermarket, Go Compare, Confused etc. They certainly do help reduce the cost of insurance as most of the major players are fighting for business on the same platform. Where these price comparison sites do not perform so well is actually advising you on the sort of policy that's best for you or your car. Would comprehensive be cheaper and more suitable than third party fire and theft? The point is you cannot ask the price comparison site for any advice, that's where car specialist brokers have the edge. Compare it to buying a new house, would you buy one without a survey? You might and then when it subsides into the sea you'll be praying your insurance will cover it...the point is you shouldn't buy insurance without talking with an expert either.

Pick up the phone

The internet is a great shopping and selling tool, you know my feelings on that from previous articles...but I suggest if you speak to a real person at a brokerage then you have a much better chance of getting rel=nofollow cheaper car insurance. They can ask more questions, clarify your requirements and if needed they can even delegate the rate (set the price themselves) if they really want the business. There is no substitute for human contact, just make sure you speak to at least three different brokers to get a true comparison.

Got a nice postcode?

If you live in a postcode where there are few thefts and claims then your insurance premium will be lower than living somewhere that is a known crime hotspot. If you can afford it, move to a posh area and you'll benefit from lower insurance premiums. Not the easiest way to save on the cost of insurance for sure...

Mileage and use

The more miles you drive the more chance you have of being involved in a claim. It's simple statistics. The fewer miles covered, the less your insurance premium should cost. Don't tell lies though, if you exceed the stated mileage by a distance then it could invalidate your insurance.

Married with kids?

Insurers like selling car insurance to married couples mortgaged and with kids and jobs. You are very easy to credit check and generally display responsible behaviour which hints at a lower risk for the insurer. That can reduce your car insurance quote.

Don't modify your car

We all see the bling bling cars that haunt Supermarket car-parks late at night and whether you like the tacky neon colours and loud exhausts is neither here nor there - the fact is that any sort of modification is likely to hike your car insurance premium. Modifications can draw attention, invalidate warranties and in the case of loud exhausts, can also be illegal (if above the noise limit). If illegal, then it could invalidate your insurance as well. The fact is that car manufacturers spend a lot of time developing their products so they work well and if you modify them then it's all out the window and your insurer will be scratching his head wondering what he should charge - and it will almost always be more than a standard vehicle.

Maurice Gertski is an expert in car insurance and is dedicated to helping people lower their insurance premiums. Call Westhill Insurance to speak to specialists in car insurance or visit http://www.westhill-insurance.co.uk/car-insurance/car-insurance.aspx

Article Source: http://EzineArticles.com

Car Insurance Best Rates

By Mike Hearn

Most consumers do not bother reading the terms in their insurance policy - they simply call around for lowest insurance quotes and purchase the lowest bid. In the long run, this isn't always the best approach, and won't always save the most money. However, let me assure you, car insurance best rates are achievable. Saving money on car insurance requires a combination of techniques that improve your insurability, decrease the rate of insurance for your vehicles, and provide you with a unique advantage when it comes to purchasing car insurance.

This article will outline seven techniques that will ensure that you receive the lowest possible car insurance rates.

#1 - Choosing the Best Insurer
Cost is certainly one factor when considering car insurance, but your insurer selection should be weighted more heavily on reliability. You could easily call a number of insurance companies, ask for quotes, and simply select the lowest bidder. However, even if the lowest cost insurer saves you hundreds of dollars a year in premium payments, that savings does you no good if you find yourself in an accident, needing car repairs or medical attention, with an unreliable and unresponsive insurance company. A good company is crucial. It's not just about car insurance best rates.

#2 - Customize Your Policy
Before you begin calling around, it's important that you determine the level of insurance coverage you need. Not everyone's insurance needs are the same. Some families own two or three very expensive vehicles, while other families own only older used cars. Some people are members of AAA, while others are not. The specific terms of a policy should be determined by your life situation and the value of the items being insured.

#3 - How to Become Highly Insurable
Whether you've already purchased car insurance, or you are getting ready to start looking, one of the best things you can do to obtain the lowest possible rates is to improve those things that car insurance companies look at when they calculate your insurance premium. There are several things you can do in the short term to improve your insurability standing, and there are also things you can do over the long term to improve it as well. This section will describe four major elements of this technique to save money on your car insurance.

#4 - Reduce Your Car's Insurance Rate
Another extremely effective technique to obtain the lowest possible insurance rate is to improve those things about your car which car insurance companies value the most when they calculate your insurance premium. There are several things that you can do before buying a car that will dramatically decrease your insurance premium. If you've already bought a car, however, and are looking for ways to decrease your existing insurance costs, there are still methods you can use that will substantially cut your premium costs.

#5 - Gaming the System
In addition to all of the techniques already listed in this article, there are also additional ways that you can use the insurance industries rating rules and premium calculation system in ways that will reduce your costs. Again, use the industry's rules to get car insurance best rates.

#6 - Constantly Update Your Policy
One of the most important things that you can do to keep your insurance premium at a minimum is to always remember to update your insurance provider of any changes in your life that can reduce your insurance costs. Forgetting to do this can be very costly.

#7 - Deciding on Liability Only
There comes a point in the life of a car when the decision needs to be made whether or not it is worthwhile to maintain collision and comprehensive insurance coverage.

Getting Rock Bottom Insurance Rates
If you carefully follow each of the sections outlined in this guide, you are guaranteed to receive the lowest possible insurance rates for anyone within your calculated risk bracket. No one should ever overpay for car insurance - especially given the fact that there are so many insurers in the industry competing for your business.

Most people overpay for car insurance out of sheer laziness. However the consumer that understands how car insurance works, and is clever enough to take advantage of all of its loopholes, will save significantly on their premium in the long run.

Before you step foot into another insurance office, or visit another insurance website, make sure to print this guide and follow it carefully in order to ensure that you get the best insurance deal possible. Remember, car insurance best rates are achievable.

Getting Rock Bottom Insurance Rates

You can view a more detailed version of this article at [http://www.squidoo.com/Car-Insurance-Best-Rates]Car Insurance Best Rates.

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Why You Have to Take Car Insurance?

By Gurmit Singh Toor

Automobile insurance is a mandatory requirement for all those who wish to drive a vehicle. Safe driving and safer roads are the main purpose of the law and people with clean driving records will find affordable vehicle insurance much more easily. It is a competitive business. You want an insurance company that offers affordable insurance yet offers the best coverage.

Online insurance offers you the same comfort of knowing that you are protected as old fashioned car insurance. By putting insurance online, it now becomes more convenient for you. Online quotes are available to UK drivers who want to know the cost of insuring themselves and a car. Searching online for quotes is a lot simpler and quicker than calling providers individually, as it usually takes the completion of just one form to receive quotes from numerous providers, both insurers and brokers.

Depending on your deductible, discounts and other variables, you could end up paying more in the end. This is especially true if you are involved in an accident. Depending on the coverage chosen, a insurance policy may apply only to the damage sustained by another driver or car, or may also cover insured drivers and their vehicles. Without car insurance, drivers risk fines, ticketing and even jail, depending on the circumstances.

Collision coverage provides cover for direct and accidental damage by your car caused to another vehicle. Thus while buying any quote for insurance instantly, it is important to see that the coverage you select is adequate to provide full cover in the event of an accident, and also adequate to cover others should someone or something got damaged in an accident because of your fault. Collision coverage will pay to repair or replace your vehicle if you are in an accident with another car or an object. Any damage your car incurs that is not the result of a collision is covered by comprehensive.

Drivers with a clean slate are given better deals and families with teen drivers are offered competitive quotes by certain insurance companies. Cheap online car insurance quote makes this an easy task. Driver's education will help lower the student's insurance rate, but more importantly it will have a great impact of the students' understanding of the "techniques of the road" and influence their ability to safely drive an automobile. When requesting an online discount car insurance rate, students should highlight the completion of a driver's education course.

Buying insurance through a cheap online car insurance quote is a right choice, it's very convenience. Information regarding a car insurance quote can be of vital importance to your record of driving and claims. This car insurance quote is important to both sides of any accident or theft of vehicles.

Save time by going online to change address, renew registration, get temporary registration, and get driving records. Obtaining a free car insurance quote is a driver's first step to achieve this financial responsibly. A discount car insurance company will provide some answers and help you ask the right questions in order to find the most appropriate solutions.
Cheaper is determined not only by the price you have to pay, so don't fall easily. Cheap car insurance is the dream for all the drivers driving for the first time. It is very common that the new drivers commit more accidents, as compare to the experienced one.

Teenagers are usually charged with high car insurance rates by most car insurance companies. However, they can still get lower car insurance rates as long as they shop hard enough for cheap teen car insurance. Teenagers can avoid the risks of their cars being stolen or higher cost of repair in case of accidents. Finally, teenagers should concentrate on getting good grades and the right attitude that contribute to lower the car insurance rate.

Fully comprehensive cover is the widest level of cover, which also means that your car insurance quote will be the most expensive you take this type of cover. However, the big advantage is if you have an accident, and it was your fault you will be able to claim the cost of repairing your own car as well as those of the other drivers. Fully comprehensive car insurance will cover you for damage incurred to your car under the terms of your policy. You will also normally have to pay an excess as well, meaning that your insurance provider will only pay out if the bill for repairs is above a certain amount, and then you will have to make up the difference.

Internet usage is growing by leaps and bounds, and service providers such as auto insurance companies are recognizing the increasing demand for available online services. Simply input the required information per their website directions, and a cheap car insurance quote is yours within minutes. Internet is of course the best way of getting the cheapest car insurance quote, and also it takes less time as in comparison to other methods of finding the above quotes. So, make use of Internet to find the cheapest quotes.

Shop in your pajamas if you want! This convenience is not without risk, however. Shopping for suitable auto insurance can take some time. After all, you want to have the best insurance for your vehicle. Shop around getting your first car will certainly be quite an experience, but getting your first car insurance quote is also important. The key here is to be prepared to spend a lot of time searching for the best quote.

Shopping around online you get to see which providers have the product you are looking for at the best price.

Thank you for taking your time to read this article. Your comments on this article will be highly appreciated. To access Hundred of Gurmit's articles please visit websites. Information shared here does not constitute financial, legal, or other professional advice, and no adviser-client or confidential relationship is or should be formed by use of the site. This article is intended to provide general information only and does not give advice which relates to your specific individual circumstances. Information in this document is subject to change without notice. Any link-listing or ad-listing on this site does not constitute any type of endorsement. Gurmit loves traveling; he has been over 70 countries. He speaks fluent Cantonese, Polish, Hindi, Punjabi and English. Gurmit is an author, writer, insurance and mortgage expert. He frequently writes on various topics of interest to his readers. Gurmit Singh is a licensed mortgage expert with Dominion Lending Centres Mortgage Villa.

Gurmit Singh, MBA

Mortgage Expert (#M08009905)

Dominion Lending Centres Mortgage Villa (#11574)

Email: [mailto:mailtogurmit@gurmitsingh.ca]mailtogurmit@gurmitsingh.ca http://www.gurmitsingh.ca http://www.gurmitstoor.com

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How to Buy Classic Car Insurance

By Michael Modica

Collector Car Insurance and Classic Car Insurance

If you are fortunate enough to own a classic car - or any collectible automobile - then you want to ensure that your luck does not run out because of having inadequate insurance coverage. Call it covering your butt - or covering your "asset" - but by all means, call one of the major providers such as American Collectors, Haggerty, or Parish Heacock insurance companies and let them put you in the driver's seat in terms of professional protection of your cherished automotive investment.

How to Kick the Tires on Classic Car Insurance

The whole idea of insurance is that it needs to do what you expect of it in an emergency, when the rubber really hits the road. And classic car insurance is as different from conventional auto insurance as, well, a classic car is from your run of the mill generic vehicle.

When you buy a classic car insurance policy, you are essentially purchasing protection for those times when - God forbid and knock on wood it doesn't happen - disaster strikes in the form of a fire, a collision, or an act of theft or vandalism. Just as we now have modern airbags to save us in the event of a crash, we also have collector's car insurance, to protect us with adequate moneybags when calamity throws a wrench in the works.

The time you invest in choosing the right classic car insurance coverage is well worth the value and peace of mind that a quality collector's insurance policy delivers for owners of classic motor cars.

The Nuts and Bolts of Classic Car Insurance Coverage

Collector car insurance is not the same as the insurance you buy for normal coverage of your daily transportation. Collector car insurance, or classic car insurance, is made especially for the needs of the car collector. And while ordinary insurance does offer some protection, no matter what you drive, it can leave you high and dry in the event of a loss that it not effectively covered by the terms of the insurance contract.

For example, you may have a garage-kept Cadillac Sedan DeVille with swooping fins your grandparents bought for $7,000 brand new back in the 1960s. But dealers have offered you three times that much, and you saw another one sell at an auto show for $35,000. If you don't have special collector car insurance or classic car insurance, and the car is totaled, you will be lucky to get $7,000 for it. With depreciation calculated in, the insurance statisticians may decide that it is worth only half that much, or less, and you could wind up with two or three grand in exchange for your dream machine.

Stipulations or requirements normally encountered while shopping for collector car insurance or classic car insurance:


A decent driving record.
At least 10 years driving experience
No teen drivers on the policy or drivers with poor driving records
Secure and out of the weather garage
Proof that you have another car for daily transportation
Collector vehicle insurance is sometimes limited by the age of your car, and if your car is too young it may not qualify for a particular policy.
Limited mileage. You probably don't want to drive your creampuff car all the time, and your insurance company doesn't want you to either. Mileage limits have increased recently, though, so if you can live with 250 miles a month you're probably okay.

Coverage with collector car insurance or classic car insurance: Three kinds of value are important to understand when buying your policy. 1) Actual cash value: This is what you usually get with ordinary insurance, and is based on replacement cost minus depreciation.

2) Stated value:

The insurance company pays up to the stated value of the car, but may not guarantee the full stated value. And deductibles of up to $1,000 usually apply.

3) Agreed value:

In most jurisdictions, those who provide collector car insurance or classic car insurance are allowed to insure for a value that you and your insurer agree upon. And for most autos, there is no deductible. If your $100,000 vintage Rolls get trashed, you get a check for 100 grand, plain and simple - which is exactly why collectors use special classic car insurance coverage.

Do a periodic review of your coverage limits, because classic car prices are rising. What you insured your cherry classic for ten years ago may be a fraction of what it's worth today. And if you are restoring a vehicle, ask your agent to give you appropriate insurance. There is no need to pay extra based on mileage statistics, if your car is up on blocks with no engine inside it. And as the car's value increases thanks to your hard work of restoring it, you should raise the coverage to keep up with the added value of the restoration.

Keep all your receipts and paperwork - for everything from parts and labor to expenses incurred to take it to a classic car show - so that you can document the total investment your collector's car represents. And take photos and keep them updated, for the same reason. And Last But Not Least: Special Savings Opportunities

As long as you meet the criteria in terms of how you use and take care of the car, you can usually buy a policy.

Traditional insurers will either refuse coverage, offer only a replacement value based on the nuts and bolts (minus heavy depreciation) of the car, or will charge you a prohibitive amount for the premium. But many collectors find that special collector's coverage saves them money - as much as half - while insuring them for higher limits, sometime three or four times what a traditional company gave them.

Yes, it's possible to get collector's insurance coverage for full market value for your car, and save up to 50 percent off of the premium you'd pay with ordinary insurance. That makes classic car insurance a must-have for any serious car buff.

Below is information about three of the most reputable and dependable collectors and classic car insurance companies in the USA (All information listed below subject to change, please contact the insurance companies listed to be sure.):

Hagerty Insurance P.O. Box 1303 Traverse City, MI 49685-1303

Email: [mailto:auto@hagerty.com]auto@hagerty.com Toll Free: 800-922-4050

Qualifications:

Similar to the others listed below, but please contact Haggerty for details.
American Collectors Insurance P.O. Box 8343 Cherry Hill, NJ 08002 Email: [mailto:info@americancollectors.com]info@americancollectors.com Toll Free: (800) 360-2277 Qualifications (subject to change or regional laws so check with the company for specific up-to-date information).


At least 15 years old
Garage-kept
Driven on a limited, pleasure-only basis (up to 5,000 annual miles - available in most states)
You may also qualify by:
Having at least 10 years driving experience
Having a good driving record
Having at least one "regular" vehicle for every licensed driver in the household You may request a policy application either directly from American Collectors Insurance or through your local insurance agent (rates are the same either way).

Parish Heacock Classic Car Insurance P.O. Box 24807 Lakeland, FL 33802-4807 Email: [mailto:info@parishheacock.com]info@parishheacock.com Toll free: (800) 678-5173 Qualifications (subject to change or regional laws so check with the company for specific up-to-date information).


Each household member of driving age must have at least 10 years driving experience or be excluded.
Each household member must have a regular use vehicle less than 15 years old that is insured with liability limits equal to or higher than the limits being applied for on the collectible vehicle.
All licensed members of household and any other drivers of the vehicle must be listed on the application.
Maximum of two accidents or violations in the household, maximum of one per licensed household member in past 3 years. No major violations permitted in past 5 years.
A Driver Health Questionnaire must be completed for all drivers over 70 years old.
Auto must be stored in a locked permanent garage facility when not driven.
Auto may not be used for commuting to or from work or school, used for business purposes or as a substitute for another auto.
Autos not covered while on a racetrack or when being used for: racing, speed, driver's education, or timed events.
Must display pride of ownership: well maintained, in restored or well-preserved condition.
Vehicles under restoration must be stored at residence or a restoration shop, with a target date for completion. Agreed value coverage is not available on cars under restoration. Eligibility subject to company review.
Replica Vehicles and Pro Street vehicles are subject to company review.
Trucks and Jeeps must be over 25 years old, and not be used for towing, hauling, off-road or utility use.
Generally do not require appraisals, but may ask for one if vehicle value is difficult to determine.


Michael Modica is an avid musclecar fan. He is the webmaster of the world's leading Second Generation Camaro resouce, http://www.nastyz28.com

Article Source: [http://EzineArticles.com

Cheap Car Insurance - 7 Tips To Reduce Your Car Insurance Costs

By Peter Crump

With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it is possible to find cheap car insurance, the question remains, is it worth buying?

Everyone knows that car insurance companies are not all equal. Cheap car insurance is wonderful when paying the bill, but make a mistake on the company you select and you could find that the cheap car insurance policy that you found may turn into a nightmare. Cheap car insurance may not turn out to be so attractive when making a claim.

So if you have found a discount car insurance broker don't just take the cheapest quote that you get. You need to find out a little about the insurance company that is offering the cheap car insurance rates.

And there's ways to reduce the cost of your car insurance even with the best of companies. Here are some tips for those looking for cheap car insurance to help reduce the cost of car insurance without compromising other things.

7 Cheap Car Insurance Tips

1. Look at your deductible amount. This is the amount that you pay first out of any claim. The cost of your policy is directly related to this amount. Many people, particularly those who have had their insurance policy for a long time, have never considered whether they ought to vary their deductible. If you have a good driving record and are prepared to increase the risk of paying a larger amount in the event of a (hopefully unlikely) claim you can save money by increasing your deductible.

2. Have a look at the type of car you drive. Certain types of cars attract higher car insurance rates. Cars such as sports cars and also certain makes and models that are prime theft candidates cost more to insure. If you are buying a car then find out which makes and models these are before you buy.

3. Drive carefully. Although it sounds a little trite to say it, your car insurance cost is a factor of your risk profile. You won't get cheap car insurance if you have had 3 speeding fines and 2 accidents in the last year. These things are all taken into account and you should take care with how you drive. It all adds up onto your bill. There are big safe driver discounts available.

4. Considering installing safety and anti theft devices in your car. Again these affect your risk profile. If you have a car that is safer and less at risk of theft it should be cheaper to insure. And if you have a car with certain safety devices now check that your insurance company is aware of these, if not tell them.

5. Look at your policy when it comes to renewal time, don't just pay. There are some things that you can vary in your policy that will affect the cost. Often there are some things there which duplicate other insurance that you may have that can be eliminated. Be critical, look carefully and ask questions about all these before you renew your policy.

6. Have a look at who your other insurers are. Many insurers offer a discount for multiple policies. If you insure your house with a certain company then ring them up and find out if they do car insurance. Get a quote from them. Find out what discounts they offer.

7. Find a good online discount car insurance broker before renewing. The internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Don't just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.

So if you're in the market for cheap car insurance there's some ideas for you. Don't just accept that car insurance is always prohibitively expensive, get out there and do something about it.

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