>Car Insurance in Singapore

> Car Insurance Renewal, Road Tax, Claims and No Claim Bonus If you are not from Singapore, this lens could still be relevant for you since car insurance has been around for many years, and it’s all about risk management, so I’ll expect that insurance companies calculate and decide on their premiums based on standard [...]

>AIG: The Cheapest Car Insurance Ever 2

> AIG on Wikipedia American International Group, Inc. () or AIG is an American multinational insurance corporation. Its corporate headquarters are located in the American International Building in New York City. The British headquarters office is on Fenchurch Street in London, continental Europe operations are based in La Défense, Paris, and its Asian headquarters office is in Hong [...]

>AIG: The Cheapest Car Insurance Ever

> AIG Car Insurance AIG car insurance is the cheapest car insurance ever.  Solid financial  positions (thanks to the Federal Government) combined with intense competition within this industry has served to lower car insurance premiums tremendously.  Get a quote from AIG – you won’t be disappointed. Take a look at the book below called How to Insure Your Car - it [...]

>Track day car Insurance

> Insurance for open events at race tracks Taking your own vehicle along to the local race circuit is becoming more and more popular, if you own an Impreza, EVO, Skyline or any other high performance car (particularly a Japanese import) than it can be frustrating on the road with speed cameras everywhere – but on [...]

>Car Insurance for 1 day – One day car insurance

> car insurance for 1 day There are occasions where your normal insurance company or broker may not be able to help. These circumstances may include borrowing a friend or colleagues car for a trip, taking an extended test drive a premium vehicle or if you have just bought a vehicle at auction and need short term [...]

>How To Find Your Dream Car

September 3rd, 2011 carins

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Thinking about buying a used car? How do you know which car is right for you? It’s all in asking the right questions.

First, ask yourself what you really need in a car. Who will be driving it most of the time? Where will you be driving in? Over what sort of terrain? Do you need a lot of storage space and lots of seating? Are you going to be traveling back and forth over long distances?

What features are an absolute must? Air conditioning, adjustable controls, cruise control?

What safety features you are looking for? Anti-lock brake systems, head injury protection, or child protection equipment?

How much are you willing to spend?

What kind of down payment can you make?

Realistically, what can you afford to pay monthly?

It’s important to know this amount before you even start looking. Then do your research. Check websites, dealerships, and consumer reports magazine. Look for reliability and repair ratings as well as safety advice. You can always get pricing information and advice on buying a used car here.

Go exploring for that perfect car. Gather as much info as you can on the different makes and models. Check out the retail value, available options, performance, and track record for repairs.

No matter where you buy your used car, be prepared to stand firm. There are a bazillion other cars you could fall in love with. Be willing to walk away from the car if the deal doesn’t meet the criteria you laid out earlier. Your ability to negotiate a great deal will increase by leaps and bounds.

Always know the market value of any car you’re considering and make your first offer lower. You want a little room to negotiate.

Ask for a detailed vehicle history report and service records from the seller. This report can identify major problems including past accidents, flood damage, and odometer discrepancies. When you decide to buy a car, make sure you get it checked out by a trusted mechanic before you hand over any money. That’s absolutely crucial.

Buying a used car can be one of the most exciting purchases you ever make. Following a few guidelines will ensure that it’s also one of the wisest.

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>Cheap Pre-Owned Automobiles – Will They Suit Your Budget?

September 3rd, 2011 carins

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Government Car Auctions - Police Auto AuctionsHave ever considered buying the Cheap Pre-Owned Automobiles? Things are tough these days talking from the financial and economic perspective. People are finding more and more ways of cutting costs and getting things done through cheaper alternatives. It is a reality that many in the given scenario can no longer afford to think of purchasing their dream cars or even houses. This has made the cheap used automobiles one of the best ways of getting around the huge challenge of buying a car. If you need to buy a car you have an option of settling for the pre-owned automobile before you can decide to part with your fortune and purchase the expensive brand new models.

Some people are not for the idea of purchasing pre-owned vehicles simply because they have a misconception about these. Want you need to know is that some cheap used automobiles are sold when they are still in perfect condition. You may get an amazing purchase in this market. Remember that even as you have to decide to settle for a pre-owned automobile you still need to get the best that you can afford either with your own finance or through the loaning facilities such as that offered by the bank.
Buying cheap used automobiles requires that you run a good search before you can settle for anything.

You are not well positioned to decide on anything if you have not considered as many openings as there are out there. As you seek to make that purchase you are governed by the two important variables, the condition of the automobile and the price. Some cars may be in very immaculate conditions but if they have a price tag that you can not afford then that is just that. Some cars are quit affordable but you may not like their conditions. It goes without say that you therefore can not make a purchase until you get that which is a perfect balance of price and quality.

If you want to get the best buy the idea is to widen your search as far as possible. Cheap used automobiles can be located in various local print media channels. You will do well to consult your local newspaper or what ever kind of directory that may have the information and listings of pre-owned automobiles for sale. As soon as you have established what you want you need to get in touch with the relevant authorities and make arrangements to go and view that which you have identified. This way you will be able to establish if you have seen what you want or not from the cheap pre-owned automobiles before you make any commitments.

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>Impounded Cars For Sale

September 3rd, 2011 carins

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An auction which offers impounded cars for sale would be a pretty good place to purchase a motor vehicle. The vehicles that are available at these auctions are generally seized by banks and government agencies such as IRS, FBI, DEA and police. In addition, the cars are generally offered nearly 90% off their retail price. Therefore, impounded cars for sale auctions should not be missed by anyone who wishes to buy a used automobile.

Find Out How You Can Get Impounded Cars For Sale

These types of auctions are generally held to sell abandoned or disabled vehicles. When a vehicle is towed by a private company or state agencies, once the mandatory time period to keep has passed, they may be auctioned at these impounded cars for sale auctions to retrieve the towing and storage costs. However, most states have rigorous procedures to verify the owner and also the title of the vehicle prior to any auctioning process. In addition, the owner should be notified by writing about the vehicle in order to provide him/her an opportunity to claim the vehicle by paying the required fees.

There are certain features that make auctions which offer impounded cars for sale appealing to car buyers. The auctions would be advertised though media for a reasonable amount of time and this makes it easy for out for state buyers to make it to the auction. Moreover, sometimes the car may have been abandoned due to a high number of parking or speed fines that were imposed on the vehicle and in this instance the car would be in an exceptionally good condition.

Another good reason to visit impounded cars for sale auctions is that due to the general misconception that these cars are of inferior quality, the number of bidders would be very small. Thus, an individual has a much higher chance of outbidding another buyer. Recently, online auctions are also receiving increasing popularity.

Although these auctions which offer impounded cars for sale would be a good place to purchase an automobile, there is some other things one need to consider. Generally the impounded cars for sale are offered with no warranties and the auctioneers may not be aware of the true condition of the automobile. In addition, most of these auctions would not allow an individual to check a car unless he/she has purchased it. The true mileage of the car may also be unknown, especially cars that has a digital dash.

Find Out How You Can Get Impounded Cars For Sale

Therefore, although there are certain risks involved, auctions that offer impounded cars for sale are a rather good place to buy a vehicle. The trick is to trust one’s instincts.

Find Used Car Deals On eBay

Used Car Deals On eBay
Do you really know that the price of Used Cars Online are generally negotiable?, so if you are searching for a good quality car at a rock bottom bargain just click any of the links!
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>Car Auctions – Get The Car Of Your Dreams For Less

September 3rd, 2011 carins

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Honestly, in the past, car auction was permanently closed to the general public, but as time goes by this has turn out to be less authentic. All around the United States, there are thousands of car auctions that are existing and all open to the general public. And if you really do know where to go and how much you are going to bid you can very much get yourself one of the greatest deals that you will eternally found.

Find your Dream Car At Government Seized Car Auctions Now

As we all know it, these cars come from all aspects of life like repossessions from the police, to IRS repossessions, and from trade ins at new car lots. You can really save yourself time and money by going to car auction when next you want to purchase a new car. By going to a car auction you will be able to bid on the car that you want. Bear in mind that you can always walk away when the bidding gets too high and let someone else buy the car.

This idea works perfectly, because there is constantly another car that will be coming in behind it. Your best option is to make inquiries about the car auction before you get there. Get a comprehensive listing of the cars that are being sold and make sure you have an idea of how much you can pay. The moment you discover the bidding is way out of your budget, step back and wait for the next car.

Car auctions can be a great way of financial investment. Buy low sell at a regular asking price. Related to real estate auctions, car auctions have a propensity to fascinate all forms of investors and future car owners. A lot of people are buying cars at an auction for the reason that they have come to realize that they can get a good used car deal without having to pay as much as they would at a new or used car dealer.

Need A New Car, Get it At Government Car Auctions

Plus, you have a wide selection of cars and you do not have to worry if you lose out on the first car of your choice. I urge you to consider shopping for your next new car at a car auction.

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>Cheap California Car Insurance Quotes

September 3rd, 2011 carins

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California Car Insurance

Driving in California can be difficult and time consuming. However, one thing all drivers need to make sure they have is proper insurance coverage. While it can be expensive you can save money withCalifornia car insurance quotes, which you can get online.


Auto Insurance Laws In California

When you’re driving in America or you would plan to own car, it is required that the motorist have an evidence of a valid auto insurance policy. Whichever state you live in, this is mandatory to avoid getting into trouble with the law and most especially with being bankrupt from any unwanted expenses for repairs, medical bills and even lawsuits.


One of the busiest states in the country would be California. A lot of people live here, Hollywood city of course! But with those entire motorists on the road, accidents are bound to happen and these states are prone to those as well. Whatever reasons for the accident, you can only guess as much. But the best thing to have when you own a car in this state or would want to drive in this state is to carry with you a valid and active California auto insurance.


Whether you are in California or in some other state, it is a must for drivers and motorists to be financially responsible for their actions. May be they at fault or the other party, it is still necessary that you abide in such, such as the California Compulsory Financial Responsibility Law.


The legal liability minimum coverage limit in California auto insurance is 15/30/5. It means that $15,000 is for death or injury of one person, $30,000 is for multiple injuries in one accident and $5,000 for property damages in one accident.


In a California auto insurance, there are other ways to take care of your financial responsibility. This already includes the above mentioned of knowing and getting the state’s mandatory liability coverage limits. You can also opt in getting cash deposit of $35,000 with the states Department of Motor Vehicles.


If you own more than 25 vehicles for whatever reason there is, it is a need to get a certificate of Self-Insurance that is also issued by the Department of Motor Vehicles. Another option is also getting a surety bond of $35,000 from an insurance company that is licensed to do legal business in the state of California.


Understanding this, it is a need for California motorist to have the legal California auto insurance and knowing the minimum liability insurance or if not a certified substitute method to meet the demands and financial responsibility for injury and property damages that may be incurred.


This will be of great help to you to avoid large sums of penalties and expenses, this will become an investment rather than just something that will hit you on your budget. If you really think about it, it will be really something to help you out and not just a legal requirement you have to follow.


If you are interested in getting California auto insurance, you may want to check internet based insurance companies, make sure that they are reliable and can give you the best deals in the market. Getting your own California auto insurance is not that hard anymore. No effort is needed only so much little of your time. Now, you will have the chance to get a good coverage at a good price which will save you in more ways than one.

Read More »

>12 Factors Influencing Motor Insurance Premium

August 30th, 2011 carins

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Saving money on premiums

  1. Age Group – the car owner (driver) age. Please note that this is just an illustration and an estimate. Insurance companies may revise their age group premiums from time-to-time, without disclosing.

    18 to 21 – young drivers, very expensive
    21 to 25 – expensive
    26 to 30 – moderate
    31 to 65 – low
  2. Driving Experience – this is defined from the time you have your driving license till your car insurance renewal application.

    0 to 1 – extremely expensive, usually bundled when you buy a new car
    1 to 2 – expensive
    2 to 3 – normal
    > 4 – varies. At this stage, most of us would have NCB (No Claim Bonus) discount lowering the premium further. If you have accidents, your premiums most probably are going to be jacked up by the car insurers.

  3. Job Occupation Type (Indoor/Outdoor) This is pretty straightforward. It refers to the nature of work, like desk bound or indoor sales. If you are not sure, please check with the agent.

    Indoor – Lower risk of accidents = cheaper
    Outdoor – Higher risk of accident = more expensive

  4. NCB – No Claim Bonus discount. You get additional 10% NCB for each year without accidents. The maximum NCB that you can accumulate is 50%. E.g. If you buy a car in Apr 2008, and renew your car insurance in Apr 2009, you’ll be eligible for 10% NCB discount upon renewal. If you are unlucky and get into an accident, NCB is 0%. You cannot get negative NCB.

    If you NCB accumulates to 40% and you were involved in an accident, the NCB reduces to 10%. If you don’t want to start from 10% or even zero%, then you should get the NCB Protector, see below.

  5. NCB Protector – This is only available to people with 40% or 50% NCB. In the event of first accident within the policy year, your NCB will remain as 50%.

    The second accident will reduce your NCB to 20% (50% – 30%).

    The third accident and your NCB becomes 0%

    It is important to note that NCB protector is only effective if you renew your car insurance with the same insurance company. If your car insurance is with company A and your NCB is 50%, even after the first accident, your NCB remains at 50% when you do your next renewal.

    However, if you decide not to renew with Company A, and look for company B. You’ll only get 20% NCB.

  6. Safe Driver Discount
    The Certificate of Merit (COM) entitles a driver to a 5% discount on vehicle insurance premium from participating insurance companies, over and above his No-Claim Bonus (NCB).

    A driver is eligible for a COM if, at the point of purchasing a car insurance coverage, he/she has maintained for the past 3 years, a continuous demerit-point-free driving record. This means that, if a driver has committed a traffic offence any day in the 3 years immediately before an insurance purchase that resulted in him/her being ‘awarded’ demerit points, he/she would no longer be eligible for a COM on the day that he/she purchases the insurance. The direct link is too long for me to post here. To find out your COM status, please use the direct link under Useful Links section.

  7. Engine Capacity (cc) – This refers to your car engine in cc. Generally the lower the cc the lower the premium. Refer to your car log file if you are not sure.
  8. Year of Manufacture – This generally means the year which your car is made/register. Generally, the older the car, the lower the premium
  9. Body Type – the type of car e.g. saloon, MPV, SUV
  10. Engine Type – normal or turbo engine, the latter costs much more.
  11. Gender/Martial Status – this really depends on the insurance company. Not all use this to calculate the premium.
  12. Off Peak Cars (OPC) – . dependent on insurance company
Read More »

>Car Insurance in Singapore

August 30th, 2011 carins

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Car Insurance Renewal, Road Tax, Claims and No Claim Bonus

If you are not from Singapore, this lens could still be relevant for you since car insurance has been around for many years, and it’s all about risk management, so I’ll expect that insurance companies calculate and decide on their premiums based on standard parameters.

Without further ado, here I go !

Be Honest with the Car Insurance Companies

honesty is the best policy

In Singapore, when you are applying for car insurance, the insurer need to know all the information about you to assess the business risk accepted from you and understand your needs as a policyholder. Only when these two requirements are met, then can the insurers set an accurate premium for your motor car insurance.

Usually these are the sets of questions required by insurance companies providing motor car insurance:
- personal particulars and your vehicle details
- your claim history (third party or own claim) and what is the amount
- have you ever received a ticket or been charged for a driving offense
- who’s going to drive the vehicle (especially named drivers) and how many years of driving experience does the driver has.

If you have not been in any accident for the last few years, you get to enjoy a NCD (No Claim Bonus) discount. The discount starts from 10% to a maximum of 50%. This is to reward careful drivers. Of course, if you subsequently have accidents, that will reduce the NCD bonus.

Be warned that although you can hide or give wrong details and get lower premiums, once you are exposed, you will not be able to claim any compensation from the insurers. So it is very important that you give all the details required and do not lie about them.

Base on a number of factors, including those stated above, the insurer is able to calculate how much you need to pay for your next renewal. Different insurers will have different claims experience, which means that you can get different premium quotations. As a result, it is better for you to get several quotations from your agent. For convenience, you could get your 3 best quotations from www.3carquotes.com You will save the time from searching and comparing the numerous quotations that you get.

Read More »

>AIG: The Cheapest Car Insurance Ever 2

August 30th, 2011 carins

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AIG on Wikipedia

American International Group, Inc. () or AIG is an American multinational insurance corporation. Its corporate headquarters are located in the American International Building in New York City. The British headquarters office is on Fenchurch Street in London, continental Europe operations are based in La Défense, Paris, and its Asian headquarters office is in Hong Kong. According to the 2011 Forbes Global 2000 list, AIG was the 29th-largest public company in the world. It was listed on the Dow Jones Industrial Average from April 8, 2004 to September 22, 2008.

AIG suffered from a liquidity crisis when its credit ratings were downgraded below “AA” levels in September 2008. The United States Federal Reserve Bank on September 16, 2008 created an $85 billion credit facility to enable the company to meet increased collateral obligations consequent to the credit rating downgrade, in exchange for the issuance of a stock warrant to the Federal Reserve Bank for 79.9% of the equity of AIG. The Federal Reserve Bank and the United States Treasury by May 2009 had increased the potential financial support to AIG, with the support of an investment of as much as $70 billion, a $60 billion credit line and $52.5 billion to buy mortgage-based assets owned or guaranteed by AIG, increasing the total amount available to as much as $182.5 billion.
AIG subsequently sold a number of its subsidiaries and other assets to pay down loans received, and continues to seek buyers of its assets.
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>AIG: The Cheapest Car Insurance Ever

August 30th, 2011 carins

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AIG Car Insurance

AIG car insurance is the cheapest car insurance ever.  Solid financial  positions (thanks to the Federal Government) combined with intense competition within this industry has served to lower car insurance premiums tremendously.  Get a quote from AIG – you won’t be disappointed.
Take a look at the book below called How to Insure Your Car - it will save you a lot of money!


Five Reasons AIG is the Cheapest Car Insurance Ever.

AIG

Why is AIG the cheapest car insurance ever?
  • The premiums are low and the policies are good.
  • Satisfied car insurance customers will tell you that AIG has the cheapest car insurance.
  • Shop around – get at least three quotes from different car insurance companies – if AIG isn’t the cheapest – let us know.
  • AIG has a solid car insurance business. Pooling large financial resources enables them to lower car insurance premiums.
  • Tremendous competition in the car insurance business has driven premiums lower – AIG is no exception.

Read More »

>Track day car Insurance

August 30th, 2011 carins

>

Insurance for open events at race tracks

Taking your own vehicle along to the local race circuit is becoming more and more popular, if you own an Impreza, EVO, Skyline or any other high performance car (particularly a Japanese import) than it can be frustrating on the road with speed cameras everywhere – but on the track you can really let loose! However your existing insurer will not cover you for any damage whatsoever – its specifically excluded on your policy. Many people think the best way around this is to simply get a mate to tow their damaged car a few miles away from the track and then fraudulently claim the car was damaged on the public roads. However, be warned, the insurers are well aware of this practice and if you are caught you will not only get no money for your claim – you will be prosecuted! Check out trackday insurance – car insurance for track days

Read More »
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