Tag Archives: car insurance

Best places to find Import Car Insurance on the Internet

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Over the past 10 years I have owned 4 different imported vehicles, some people frowned when I bought my first one saying things like ‘that will cost a load of money to fix if it goes wrong’ or ‘your car insurance will be expensive’ at the time I did worry a little about taking the plunge. What I did do to help was I did my research before I went and bought the car, it was a 2 year old Mazda Eunos known in the UK as a MX-5 and in America as the Miata. Whilst performing my research even 10 years ago the Internet proved completely invaluable, hopefully what I explain in the next few minutes will help you to find a good import car insurance deal.

As mentioned I researched before I actually bought the car, initially I never intended to actually purchase a imported vehicle as I wanted to buy a UK spec MX-5. I had searched on the Internet and joined the owners community forum online and found many of the other members actually owned the imported Eunos vehicle, I used this forum to ask about insurance and ownership of the car and found out many of the owners who owned the imported cars would get the best insurance quotes from specialist import vehicle insurers via some of the brokers which advertised on the owners club website. In the end I found out that the Eunos was in fact very similar in parts to the UK model and many Mazda main dealers actually service the cars as most of the parts are exactly the same on both types of cars. Because the parts cost was the same this helped to keep the insurance cost lower.

Owners forums still exist as a valid source of information and are always recommended for car owners to join to get information from other car owners.Fortunately the internet has improved enormously over the past 10 years and this has also improved the variety of insurers offering import car insurance, this increased variety has increased competition and means insurers had to keep their quotes competitive. Specialist Import car insurance brokers still exist and provide competitive cover but many larger name mainstream insurance companies also offer very competitive import car insurance alongside regular motor car insurance quotes.

Allstate Car Insurance Football Commercial

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Allstate has done it again, they’ve created another brilliant and funny commercial starring Dean Winters, as mayhem. This commercial opens with Dean walking down the hallway of a stadium, in front of the entire football team. He opens by saying that he was the fourth string quarterback, but after an all you can eat pre-game of Calamari, he’s the first string quarterback and high fives the line backer behind him. Problem is, he’s a transfer student and he doesn’t know his way around, so he gets lost. You see them walk down one hallway, then back the other way, then turn up a ramp and when Dean see’s the light at the end of the tunnel, he tells every one to run. Turns out they were running into a street causing all of the traffic to slam on breaks and one guy to even slam into two motorcycles. Dean says that if you have cut rate insurance, you could be paying for this yourself, so switch to Allstate, where you could save money and be better protected from mayhem; like him.

In my opinion, these commercials which have been cranked out more and more lately, are amazing.  They get the word across to drivers that having a cheaper insurance rate, is not always the best thing for you to have. Honestly, it doesn’t do you any good to pay for car insurance, no matter how much cheaper the rate may be, if it’s just going to end up costing you a lot more money in the long run. In addition to being informative, these commercials are extremely humorous, keeping the viewer entertained and the memory stays with them as they continue on throughout their day. If you found this article to be informative or entertaining, please also check out a van insurance quote or getting a quick car insurance quote.

Shopping for Import Car Insurance

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If you are in the market for import car insurance for your vehicle, you should know what the insurance companies will be looking for when determining your premium rates. The originating country of your imported car will play a big role in determining how much you are going to pay.

Import cars are generally divided into two basic categories, “grey” imports and “parallel” imports. These correlate to the country from which they were imported and whether or not they are available for purchase from a local dealer.

Grey imports are vehicles that have been directly imported from another country and are not available for purchase from a domestic dealer. These are the most expensive types of import cars to insure. This is because they can be more costly to repair should something happen. In the event that the car needs to be repaired, parts will have to be imported and there may not be a qualified mechanic available to service the vehicle.

Additionally, cars imported directly from another country may not meet the same safety and emissions standards required by local and federal laws. This means that you will have to have the vehicle modified to meet the standards before it can be insured. Modifying a vehicle usually increases the cost to insure it as well.

Parallel imports are less costly to insure because they are available to buy from domestic dealers. This means that they already meet the required safety and emissions standards. They are also less expensive to repair because the dealerships will have the parts on hand, and will have specialized mechanics on staff.

You might also be looking for cheap no deposit car insurance as a payment option for your import insurance. Many companies offer monthly payment schedules for their policies instead of requiring you to pay the entire premium amount upfront.

Shopping for any type of insurance requires some research into what your coverage needs are and how much you can reasonably expect to pay. Employing the services of a broker can be an excellent way to make sure that you are getting the best deal possible.

Short Term Car Insurance For Short Term Driving Lapses

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The short term vehicle insurance is the latest of all the car insurance policies to have struck the market with a significant blow. However, not many people boast familiarity with the subject. The term short term car insurance may already have told you that this car insurance is for a very short period of time and a little research may even tell you that the inherent rates are by far higher than the usual monthly or yearly car insurance.

The above two factors are what most people look for before deciding that this thing is not worth the time to take to understand it fully. That would be the mistake you would not want to make if you too knew just how beneficial the short term car insurance can prove to be.

The short term vehicle insurance was first designed to cater to those individuals that had rented cars or borrowed them from someone to use for very small periods of time like a week or a month.

However high the rates of these short term insurances may seem to be, these insurance policies have proven an ingenious saving for people who have a car in their custody but only get to drive it for small periods of time in the year.

Think how much you can save in term of car insurance if your yearly driving is consisted entirely on your vacation time. If you get to be at your home and drive your car for just those two months in the whole year, temporary car insurance is surely what you should consider.

Even with the relatively higher rates you are surely to save up on the money you would otherwise have to pay for the yearly car insurance, and of course what use is yearly car insurance for a car that just stays in your garage for most of the year.

Consequences for Driving Without Car Insurance

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Some people think they can get away with anything, how hard is it to avoid getting pulled over or caught by law enforcement? Well, you’d be surprised by how well police officers can tell if someone is driving nervously or looks suspicious. From a simple fine to a suspended license, harsher punishments may include jail time as well.

Getting caught without an auto insurance policy means that your car could be. That is until you can pay the fine that you received. On top of that, you must then pay another fee to reinstate the registration on your car. At worst, all of these penalties might happen at once, and then you have a whole bunch of problems to deal with simply because you decided to drive without car insurance. Go over to Arlington Auto Insurance Guide for tips and suggestions about auto insurance.

wade
Creative Commons License photo credit: Greg Hayter

Do Your Research To Find Very Cheap Car Insurance

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I don’t know anyone who drives a car who enjoys the time of year when their insurance policy comes up for renewal. It always feels like we’re paying out cash for something that which is useless but unfortunately a legal requirement. Its because we only ever use our car insurance when you have had an unfortuante experience that we would rather not think about it and certainly not pay for it.

The best thing we can do is find very cheap car insurance and try to keep our expenses down to a minmum. At least if we feel we have done everything possible to spend as little on this annoyance we can at least feel less bad about it. Do you research online and you are sure to find so hints and tips that you weren’t aware of that you can use to improve your chances of getting a successful result.