When was the last time that you took time to thoroughly review your Canadian car insurance policy? For most people, it was far too long ago. As a result you may be under-insured or paying too much for car insurance. The following ways may help you to save some money on your insurance needs.

Start the process by doing an evaluation on your current insurance needs. Persons that have only the state minimum amount of car insurance may be surprised to find that they are often under insured. Take a moment to stop and think about the costs of an automobile accident. In addition to your own vehicle, you could be responsible for the other vehicles. Today, new vehicles cost two to five times some provinces minimum amount of car insurance. The courts could find you liable for any amount your insurance company does not pay.

Additionally, you may be responsible for medical expenses related to injury or death of the occupants of the other vehicle. Again you may find that your province does not require you to have enough insurance to meet lost wages or a serious injury in an accident.

If you are looking to save money and your vehicle is several years old, you may want to drop all insurance other than liability insurance. The rule of thumb is that the owner of a car that is valued at less than two thousand dollars, should not carry full coverage insurance on that vehicle. The owner will pay more for insurance each year than he or she will get back in an insurance settlement even if the vehicle is totaled. You are better off putting the premium difference in a savings account.

After deciding the amount of insurance that is needed, you will want to contact several companies that sell insurance to request a rate quote for car insurance. Tell the person you deal with what your requirements for insurance are and ask for a free quote. If you are asked to pay f fee for a rate quote, move on. You will find plenty of agents or companies that will be more than happy to provide the free quote.

Many customers use the internet as an excellent way to get a free rate quote. Those quotes can then be used for the comparison. Another advantage of the internet is that you do not have to deal with pushy insurance salespersons that put high pressure on you to buy their insurance when you only need a quote. This method also keeps you from having to wait for the agent to call back with the quote and gives you the quotes in a format that will allow for easily printing the quotes for review.

When changing insurance policies be sure that the new policy will take effect as soon as the old one expires. Provinces are cracking down on uninsured motorist and you could have to pay a fee if there is a lapse of coverage for car insurance.

Many provinces in Canada now require that the insurance companies notify the state electronically when a policy ends. Some provinces then send an automated letter requesting proof that your insurance did not lapse without a replacement. There may be sever consequences if the policy does lapse.

About the Author: Roadside assistance Ontario is absolutely essential to achieve a peace of mind. By joining a membership, you will experience benefits such as Ontario car insurance. Now you can enjoy your trip with no worries! For more details about auto insurance, please visit us.

Mazda BT-50 gets facelift

By: Kittipong Unparsert

Mazda has given its BT-50 pickup truck a minor change and announced that the new model will help it achieve a total pickup truck sales of 12,700 in 2008, up from 11,000 units in 2007.

Produced at the AutoAlliance Thailand (AAT) plant in Rayong, the BT-50 is also exported to 130 global markets from Thailand. The facelifted BT-50 maintains its sporty appeal, with the new design adding a more dynamic and robust look.

There is a new front pentagonal grille, along with new front bumpers, multi-reflector headlights and turning lights. Meanwhile, the rear lights are larger and come with chrome trim. The side profile is highlighted by a new wheel fender kit, as well as 15-inch or 16-inch 5-spoke wheels. There are 11 colours to choose from as well.

Mazda Sales Thailand Co Ltd marketing director Sureethip La-ongthong says that the company will focus on two-wheel-drive pickup models this year. As much as 97 per cent of Mazda pickup truck sales are made up of two-wheel-drive models, while the remaining 3 per cent are four-wheel-drive models for fleet customers.

“Previously the ratio between two- and four-wheel-drive models was 85/15, but presently the popularity of thr four-wheel-drive models have grown,” she daid.

Sureethip said the company will emphasize on the 4×2 2.5-liter and 3.0-liter models, with prices starting at Bt489,000 foi the standard cab and Bt541,000 for the Freestyle cab. The 4×2 Hi Racer starts at Bt602,900 and the 4-door model at Bt612,900.

Mazda is also planning to spend Bt20 million for a countrywide roadshow to 12 provinces from March to June. Caravans of the BT-50 and Mazda3 will be shown along with special activities including special stunt shows, concerts, games and prizes. Sureethip said the automobile market should finish the year at 650,000 units, and Mazda plans to sell 16,000 units, which is approximately 2.5 per cent of the market.

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2430.shtml

Car Insurance Comparison – 3 Steps to Multiple Quotes

By: Barb Dearing

Are you part of the 75% of consumers who don’t shop for an annual car insurance comparison? If so, don’t feel guilty — shopping for car insurance takes time and multiple quotes can get mighty confusing. At least, that was true of the old-fashioned way where you had to pick up the phone and power dial half-a-dozen different agents to get quotes.

But the times they are a changin’ and now it’s possible to complete a car insurance comparison in less time than it takes to drink a cup of coffee. How, you ask? Online, of course! Your car insurance comparison can all be accomplished quickly and painlessly if you fire up your computer and follow the three steps outlined below.

Step 1. Gather some basic personal information before you start. You will want to have: a copy of your current car insurance policy (so you can refer to current coverage amounts); the make and models of all cars being insured; a history of accidents or other car insurance claims over the past five years (for each driver being insured). It’s also helpful to know the approximate length of time you’ve been insured with your current company — you’ll get a better quote if you haven’t been switching around between companies.

Step 2. Now it’s time sit down at your computer and choose an online insurance quote provider. These are companies who have relationships with dozens, perhaps hundreds, of major car insurance companies. By using an online quote provider, you aren’t limited to getting quotes from just one company. And we all know that competition results in lower prices, so it’s in your best interest to get quotes from as many different companies as is feasible. But limit the number of quotes you get to seven, or you’ll burn a few brain cells trying to compare them.

Most online quote provides will match you with at least five different insurance companies. These companies can range from small independent agents who are located near you, to the very largest insurance companies who do business in all fifty states. Depending on the state where you live, you may also receive a quote from one of the strictly online companies like Esurance (but these companies are not licensed to provide insurance in all fifty states).

If you aren’t sure which online quote provider to use, there is one recommended at the end of this article.

3. Now it’s time to actually complete the online application. The good news — you only have to fill out one application in order to receive multiple quotes. Complete the application as completely and honestly as possible. The insurance companies will use the information you submit to provide their initial quotes, but they will verify all of your personal information before agreeing to a final policy. It’s important to remember that an online insurance quote will save you time, and probably money, but it’s not an opportunity to defraud the insurer.

Once your application has been submitted, all you have to do is sit back and wait for the quotes to start coming in. You’ll probably have the first one in your email box within the hour. Once you receive at least five quotes, you should have a pretty good idea of your best car insurance rate. If it’s been a few years since your last car insurance comparison, chances are, you’re looking at savings of about 15% on your car insurance. Now wasn’t that worth an hour of your time?

If you need to find a reliable online quote provider, please visit the website recommended below.

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2501.shtml

Automobile Insurance Claim – How to File an Auto Insurance Claim

By: David Ackland

Filing an auto insurance claim is one of these things everyone hopes they never have to do, but unfortunately some of us will have to do just that on occasion. It is never easy to deal with the aftermath of an automobile accident. Many automobile insurance companies advertise that their claim process is the easiest and that they will help you through the entire process. Now is the time you hope your car insurance company will stand behind those statements.

After an accident it is recommended that you call the police. Even if the other driver is pressuring you it is a good idea to have an officer come to the scene. They are an impartial witness that can be invaluable when it comes time to deal with the car insurance company.

Exchange all of your information with the other driver. It is essential to make sure you have their auto insurance information, license plate number, and a copy of their driver’s license. This way there can be no confusion or deception later as to who was driving the other vehicle.

Ask the officer at the scene if your vehicle is safe to operate. If it is you should drive home immediately and call your car insurance company. If it is not you should call the insurance company from the scene and ask if there is a specific repair shop it should be towed to. Auto insurance companies often have relationships with certain garages. This will save you the aggravation of having to have the car towed to a certain shop after it has already been towed somewhere else.

When you call your auto insurance company be sure to have your policy number handy. Explain exactly what happened, even if it was your fault. Telling the truth is always preferable to hiding something that will probably come to light later anyway. If the other parties insurance company contacts you it is best to refer them to your insurance company and not to comment further.

Your car insurance company will likely send someone to assess the damage to your vehicle. The insurance company will pay your claim based on the assessment. If you believe your auto insurance claim was denied unfairly you can appeal with the car insurance company itself. If this does not resolve your dispute you should file a complaint with the state division of auto insurance or your Attorney General’s Office.

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2477.shtml

Affordable Automobile Insurance – How to Find Cheap Automobile Insurance

By: David Ackland

Affordable auto insurance used to be very difficult to find. Car insurance still isnít going to be cheap, but you can find the most affordable insurance available to you if you know how. The most important tool to use in you car insurance search is the Internet. There are hundreds, if not thousands, of car insurance web sites out there that will help you to find the best quote for a car insurance policy.

Car insurance is a necessary expense, but you can lessen the amount of money you spend if you take your time when shopping for a policy. The best way to do this is to contact multiple auto insurance companies and obtain quotes from them. The quote is what you will pay for your policy.

Getting an auto insurance quote used to be a time consuming process. You would have to call each company individually and answer their questions. Then you would have to repeat this process with the next company, and the one after that, and the one after that. You can see how this could take hours upon hours.

With the advent of the Internet that has all changed. Now you can go to one web site and answer all of the questions at once. These answers are then forwarded to car insurance companies who will offer you a quote based on your answers. This will allow you to see which companies are offering the most competitive policies in your area.

This is a great way to see how much a certain coverage level will cost you. Before buying a policy be sure to make sure the coverage level is appropriate for your financial situation. If you arenít sure what level of car insurance coverage to purchase ask the agent. Not having enough car insurance can be nearly as bad as having none in some cases.

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2444.shtml

How To Find The Best Car Dealers In Your Area – Top 5 Tips

By: Alex Baumm

Buying a car would be made easier, more reasonable and more convenient if you would just prefer to buy from the best car dealers. However, because of the numerous car dealers currently operating in the market, it can be inevitable for consumers to feel a little pressure and confusion when finding and choosing one.

If you are planning to purchase a used car in the near future, you should start looking for the best and most reliable used car dealers in your area. As much as possible, make sure the dealer is operating within your area or community. Otherwise, the deal, no matter how good and attractive it is, would be rendered futile.

How could you possibly find and select the best dealer as you prepare to acquire the car of your choice? Here are some useful guidelines and suggestions.

1. To find a complete list of used car dealers in an area, it would be better if you would employ the use of yellow pages or a Craigslist, which is an online version of the yellow page. Contact details as well as office addresses are provided for your reference. Thus, you could easily contact the dealers if you are aiming to start negotiations for possible price adjustments.

2. Get quotes from four or more dealers. This is the process of comparison shopping. If you think it is a hassle, you can get quotes through the telephone or through online means. On their Websites, dealers usually disclose their terms and tenors for car financing and selling transactions. When doing such a comparison, you are instantly and more clearly determining which quotes from which dealers would be practical and reasonable for you.

3. It would also help if you would heed the advice and recommendations of experts, peers and colleagues. It is a common that people look at actual experiences of others. In this case, you can ask other people over practicality and effectiveness of a dealer. In so doing, you are instantly gaining information on whether a dealer you are eyeing is likely to be the best or not. Actual dealership experiences from real people you know would somehow give you further enlightenment regarding the planned transaction.

4. Check on the securities and exchange commission or the city/municipality registrar over the legality of the used car dealer. Of course, it is logical and wiser to conduct business with legal and duly recognized car dealers. Need it be emphasized? Unregistered car dealers might offer more attractive and irresistible packages, but in the end you should ask yourself, is the risk all worth it? Of course, it is not.

5. Check on the showroom and the car list of the car dealer. The best car dealers always have interesting and updated lineup of product offerings. If you are targeting to purchase a car model that is not displayed or available in the showroom, ask the dealer if ordering the car from the manufacturer would cost additional charges. If the used car dealer asks for further fees, drop it. The best car dealers would always conduct themselves appropriately and offer no additional charge for such a service.

Article Source:
http://www.articlecity.com/articles/auto_and_trucks/article_2386.shtml