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	<title>JB. Morley.Com &#187; Auto Insurances</title>
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		<title>How To Compare Low Cost Automobile Insurance In Massachusetts</title>
		<link>http://jbmorley.com/auto-insurances/how-to-compare-low-cost-automobile-insurance-in-massachusetts/index.html</link>
		<comments>http://jbmorley.com/auto-insurances/how-to-compare-low-cost-automobile-insurance-in-massachusetts/index.html#comments</comments>
		<pubDate>Tue, 15 Jun 2010 19:05:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Insurances]]></category>

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		<description><![CDATA[It&#8217;s the law: if you are going to drive a motorized vehicle on Massachusetts state roads you must buy automobile insurance. Failure to buy automobile insurance can result in stiff fines and penalties and the possible confiscation of your driver&#8217;s license and the impounding of your automobile. Who wants to risk going through all that [...]]]></description>
			<content:encoded><![CDATA[<p>It&#8217;s the law: if you are going to drive a motorized vehicle on Massachusetts state roads you must buy automobile insurance. Failure to buy automobile insurance can result in stiff fines and penalties and the possible confiscation of your driver&#8217;s license and the impounding of your automobile.</p>
<p>Who wants to risk going through all that when there are several simple things you can do which can lower your cost of automobile insurance and allow you to compare low cost automobile insurance in Massachusetts and save even more?</p>
<p>So what can you do? Several things. Even if only one of the following suggestions applies to you, your savings over the course of a year could add up to hundreds of dollars.</p>
<p>Keep your car in a garage at night.</p>
<p>Have your monthly payments made automatically from your checking account. This saves your insurance company time and money and they pass a small savings on to you.</p>
<p>Carpool. If you drive back and forth to work everyday a good portion of your monthly automobile insurance premium covers the time you spend in heavy rush-hour traffic. If you carpool and cut the number of days you commute each month your automobile insurance premium will also be cut.</p>
<p>If you completely stop working for any reason let your agent know as this could drastically reduce your insurance premium.</p>
<p>Cut way back on your driving. Use public transportation whenever possible. If you can reduce your driving to under 500 miles per month many companies will give you a rather substantial Low Mileage Discount.</p>
<p>Ask your agent if there is a discount on your premium if you buy (and use) a steering wheel locking device or if you install an inexpensive device that disables your fuel pump unless you press a secret button every time you start your car.</p>
<p>Drivers under 25 can save quite a bit if they just stay in school and keep their grades up. A 3.0 grade point average will earn young drivers a Good Student Discount.</p>
<p>Drivers over 55 may be able to shave a respectable 10% off their monthly premium if they pass a special driver&#8217;s refresher course that some insurance companies offer. See if your company offers this discount.</p>
<p>Some cars cost a lot more to insure than others. If you are planning on getting a new car talk to your agent first about the cost of insuring the make and model you have your eye on. Better yet, ask your agent for a list of vehicles which cost the least to insure and make your choice from among those.</p>
<p>Can you afford to increase your deductible? Increasing your deductible is a sure-fire way of lowering your monthly premium payment, but don&#8217;t promise to pay more than you can actually afford &#8211; remember, if you ever have a claim you&#8217;ll have to come up with your deductible in cash before your vehicle will be repaired.</p>
<p>Lastly, find at least 3 websites that permit you to compare the cost of automobile insurance between different insurance companies. Using the information you have gathered from this article fill out the forms on at least 3 different websites, being careful to put the exact same information onto all three websites. In this way you make certain that you are comparing the same automobile insurance policy all 3 times.</p>
<p>From here it&#8217;s easy. Review all of the prices your comparisons provided you and simply choose the best price. That&#8217;s really all you need to do in order to compare low cost automobile insurance in Massachusetts and walk away the financial winner!<br />
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		<title>How To Get The Best Rates On Automobile Insurance In Alabama</title>
		<link>http://jbmorley.com/auto-insurances/how-to-get-the-best-rates-on-automobile-insurance-in-alabama/index.html</link>
		<comments>http://jbmorley.com/auto-insurances/how-to-get-the-best-rates-on-automobile-insurance-in-alabama/index.html#comments</comments>
		<pubDate>Thu, 03 Jun 2010 19:05:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Insurances]]></category>

		<guid isPermaLink="false">http://jbmorley.com/uncategorized/title-154/index.html</guid>
		<description><![CDATA[As is true in almost every state in the Union, Alabama requires each of its drivers to purchase automobile insurance. Failure to purchase insurance &#8211; and then driving on a public roadway &#8211; can result in fines and fees and wasted time that, ultimately, is more than if you had simply found and purchased cheap [...]]]></description>
			<content:encoded><![CDATA[<p>As is true in almost every state in the Union, Alabama requires each of its drivers to purchase automobile insurance. Failure to purchase insurance &#8211; and then driving on a public roadway &#8211; can result in fines and fees and wasted time that, ultimately, is more than if you had simply found and purchased cheap automobile insurance in the first place.</p>
<p>So how do you get the best rates on automobile insurance in Alabama? The answer is surprisingly simple.</p>
<p>Start with your own driving record. If you want the best rates on automobile insurance then you are going to have to drive legally and safely &#8211; all the time. If you earn even one speeding ticket or other moving violation then you can&#8217;t expect to get the best rates on automobile insurance.</p>
<p>If you are stupid enough and irresponsible enough to drive when drunk or when impaired and you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated) then it will be years &#8211; usually a minimum of 3 years &#8211; before you will be offered automobile insurance at anything approaching an affordable rate.</p>
<p>Getting the best rates on automobile insurance begins with your choice of car. In the eyes of your insurance company not all cars are created equal. Some cars cost a lot more to insure than others. If you&#8217;re really serious about paying the least amount of money possible for your insurance then begin by asking your agent for a list of the least-expensive cars to insure.</p>
<p>If you can keep your car in a garage at night then you will save money on your insurance.</p>
<p>If you can use public transportation for as many of your &#8220;driving&#8221; needs as possible, you may be able to save quite a bit on your insurance. If you can keep your average driving down to less than 500 miles a month you could qualify for a Low Mileage Discount on your monthly premium.</p>
<p>If you have recently stopped working and you are no longer driving back and forth to work everyday then you will also save money on your insurance. Let your agent know about any change in your routine driving habits.</p>
<p>Adding simple anti-theft features to your car can save you some serious money. Ask your agent how much you could save if you simply purchase (and regularly use) a simple steering wheel locking device. There is also a relatively simple electronic device that shuts off your fuel pump unless you punch in a secret code or press a hidden button. Such devices are inexpensive and relatively easy-to-install yourself. Talk to your agent and see what your monthly savings could be.</p>
<p>Check around at work as well as with any clubs, groups or associations you might belong to and see if any of them offer a group discount rate on automobile insurance. You&#8217;d be surprised at how common this is becoming.</p>
<p>If you are 25 years old or younger stay in school and get good grades. If you can manage to maintain at least a &#8220;B&#8221; average then you could save 5% each month with your Good Student Discount.</p>
<p>If you are 55 or older ask if you qualify to take a special driver&#8217;s refresher course. Not every company offers this discount, but if you qualify and you pass the course it can save you a cool 10% per month on your insurance premiums.</p>
<p>And then there&#8217;s your deductible. The bigger your deductible the smaller your monthly automobile insurance premium will be. Of course, you need to exercise caution when increasing your deductible because if you ever have a claim you will have to come up with your deductible in cash. Don&#8217;t promise to pay more than you can actually afford.</p>
<p>Now it&#8217;s time for you to go online and find 3 different websites that permit you to make quick and easy comparisons of auto insurance prices among different insurance companies. Using everything you have learned from this article carefully enter the exact same information onto the form on at least 3 different comparison websites.</p>
<p>Now simply pick the company that offers the best price for the insurance you want. That&#8217;s it. You&#8217;re done. You&#8217;ve done your homework and you&#8217;ve compared prices and now you&#8217;ve got the best rates on automobile insurance in Alabama and you&#8217;ll be saving money every single month for a long time to come. Congratulations!<br />
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		<title>How To Get Cheap Automobile Insurance Online In Arkansas</title>
		<link>http://jbmorley.com/auto-insurances/how-to-get-cheap-automobile-insurance-online-in-arkansas/index.html</link>
		<comments>http://jbmorley.com/auto-insurances/how-to-get-cheap-automobile-insurance-online-in-arkansas/index.html#comments</comments>
		<pubDate>Tue, 25 May 2010 19:05:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Insurances]]></category>

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		<description><![CDATA[Arkansas has a computer system in place that keeps track of the insurance coverage of every registered vehicle in the state. If your insurance coverage ceases for any reason and you do not replace that policy with another one immediately, the state is notified and your car&#8217;s registration is in danger of being revoked. In [...]]]></description>
			<content:encoded><![CDATA[<p>Arkansas has a computer system in place that keeps track of the insurance coverage of every registered vehicle in the state. If your insurance coverage ceases for any reason and you do not replace that policy with another one immediately, the state is notified and your car&#8217;s registration is in danger of being revoked.</p>
<p>In other words, don&#8217;t drive a vehicle on any public road in Arkansas without first purchasing insurance coverage.</p>
<p>This means it is important for many people to get cheap automobile insurance online in Arkansas. But don&#8217;t just jump online blindly, thinking you&#8217;re going to find the best rate. Before you get online there are a few things you need to consider and a few decisions you need to make that can greatly affect how much you pay for your automobile insurance each month.</p>
<p>If you are thinking of buying a new car, check with your agent first. Some new cars can cost considerably more to insure than others; make sure you can afford the monthly insurance bill before you purchase something that could turn out to be over your financial head.</p>
<p>Your driving record can impact your car insurance rates more than probably anything else. It&#8217;s up to you how you drive, but keep in mind that even one speeding ticket or one moving violation can increase your automobile insurance for up to three years.</p>
<p>And a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated) conviction can send your rates through the roof for a minimum of 3 years and quite possibly longer ? not to mention the court costs and fines!</p>
<p>If you are under 25 you are considered a bad driving risk and your insurance rates will be higher. You can knock down your rates by at least 5% and sometimes more simply by staying in school and getting at least a &#8220;B&#8221; grade point average ? this will result in your receiving a Good Student Discount.</p>
<p>Older drivers, those 55 and older, have a way to save an average of 10% on their premium each month. Many companies offer a driver&#8217;s refresher course. If your company offers such a course, and you pass it, you can start saving on your premium month after month.</p>
<p>Don&#8217;t insure a car with no Kelly Blue Book value for collision or comprehensive because your insurance company won&#8217;t pay on any claim even if you do pay for the coverage as they only pay on a claim up to the Kelly Blue Book value of a vehicle.</p>
<p>Now we come to your deductible. This is where most people fiddle around with their savings. Increasing your deductible is a trade-off and you need to seriously look at your finances and decide how much you can afford to pay out of your own wallet any time you have a claim. The more you can pay ? the higher your deductible ? and the less your insurance company has to pay, the lower your monthly premium will be.</p>
<p>O.K., now you&#8217;re armed with the information you need to get cheap automobile insurance online in Arkansas so get online and start comparing polices and prices among the different insurance companies.</p>
<p>It would be nice if you only had to making your comparison on just one website, but the truth of the matter is, none of the websites out there compares every single insurance company&#8217;s rates in Arkansas, so if you are really serious about finding the very best rate possible, you&#8217;ll need to take the extra time and make comparisons on at least 3 different websites.</p>
<p>Once you&#8217;ve done that then you can pick the best policy and the best rate and know for certain that you are getting the cheapest automobile insurance available in the whole state of Arkansas.<br />
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		<title>How To Save Money And Get Discount Automobile Insurance In Maryland</title>
		<link>http://jbmorley.com/auto-insurances/how-to-save-money-and-get-discount-automobile-insurance-in-maryland/index.html</link>
		<comments>http://jbmorley.com/auto-insurances/how-to-save-money-and-get-discount-automobile-insurance-in-maryland/index.html#comments</comments>
		<pubDate>Fri, 07 May 2010 19:05:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Insurances]]></category>

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		<description><![CDATA[Do not attempt to drive an automobile in the state of Maryland without automobile insurance. If you are caught driving on a public road in Maryland without automobile insurance your license plates can be confiscated and your registration revoked. No new registration and no new plates will be issued to you until you can prove [...]]]></description>
			<content:encoded><![CDATA[<p>Do not attempt to drive an automobile in the state of Maryland without automobile insurance. If you are caught driving on a public road in Maryland without automobile insurance your license plates can be confiscated and your registration revoked. No new registration and no new plates will be issued to you until you can prove that you have the required insurance coverage. In addition you may be subject to additional criminal penalties imposed by the courts.</p>
<p>In other words, it really doesn&#8217;t make any sense to even try to drive an automobile in Maryland unless you carry insurance.</p>
<p>Automobile insurance in Maryland does not have to be prohibitively expense for most drivers. In fact, there are several things you can do to help keep your rates as low as possible.</p>
<p>Start by keeping a clean driving record. A speeding ticket or a drunk or impaired driving conviction will cause your automobile insurance rates to rise to the stratosphere. Likewise, accidents, especially accidents that are deemed your fault, will also cause your monthly premiums to rise sharply ? and once your premiums have risen because of any of these factors they are likely to stay high for several years. Changing insurance companies does no good; your records are available to all automobile insurance companies.</p>
<p>If you are below 25 years of age then you know that automobile insurance is especially costly for you. If you are still in school and you want to keep your rates as low as possible then stay in school and work hard; average grades of &#8220;B&#8221; or better will save you as much as 5% in monthly premiums at most insurance companies. This is known as a Good Student Discount.</p>
<p>If you are 55 years of age or more you may have noticed your automobile insurance rates creeping up. They don&#8217;t have to remain high, however. Talk to your insurance agent and see if your company offers a discount for seniors who have successfully completed a refresher driver&#8217;s course. Many companies offer a monthly premium discount of as much as 10% to qualifying seniors.</p>
<p>If you have an older car, especially one with little or no trade-in value, you might consider canceling your collision and comprehensive coverage on your car. If your car is damaged in an accident your insurance won&#8217;t pay for its repair or replacement, but if your car had little Kelly Blue Book value before the accident then your insurance company would not have paid anything for it anyway ? so you really lose nothing and save a considerable amount of money.</p>
<p>One of the most dramatic things you can do to lower your automobile insurance rates is to increase your policy&#8217;s deductible. Your deductible is how much money you will pay out of your own pocket if you should have a claim. Since you will be paying for a portion of each claim your insurance company is willing to reduce your monthly premiums.</p>
<p>O.K., now it&#8217;s time for you to jump online and check out at least 3 of the many websites that offer to let you compare automobile insurance policies and prices at multiple insurance companies side-by-side. Take the extra time and fill out all of the necessary information on at least 3 different comparison websites. In this way you will be certain to have compared every insurance company that sells automobile policies in Maryland and you can rest assured that you have saved money and gotten discount automobile insurance in Maryland.</p>
<p>The point of all this is that you are not helpless when it comes to controlling how much you pay for automobile insurance here in Maryland.<br />
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		<title>Automotive Tools For Your Home Garage</title>
		<link>http://jbmorley.com/auto-insurances/automotive-tools-for-your-home-garage/index.html</link>
		<comments>http://jbmorley.com/auto-insurances/automotive-tools-for-your-home-garage/index.html#comments</comments>
		<pubDate>Sat, 01 May 2010 19:05:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Insurances]]></category>
		<category><![CDATA[automotive tools]]></category>

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		<description><![CDATA[You can save hundreds of dollars on garage fees every year by carrying out minor servicing and maintenance jobs on your car yourself. Armed with a selection of widely available automotive tools, a garage manual for your car, and enough time and patience to get a job done properly, pretty much anyone can carry out [...]]]></description>
			<content:encoded><![CDATA[<p>You can save hundreds of dollars on garage fees every year by carrying out minor servicing and maintenance jobs on your car yourself. Armed with a selection of widely available automotive tools, a garage manual for your car, and enough time and patience to get a job done properly, pretty much anyone can carry out the routine tasks needed to keep your car on the road and running smoothly.</p>
<p>One of the most satisfying aspects of carrying out maintenance tasks on your vehicle ? aside from saving money on expensive garage bills ? is that you are able to get an understanding of how the car works, and the more you understand about the vehicle, the easier it is to put things right in the event of a breakdown.</p>
<p>Any home garage requires a good selection of automotive tools to carry out work on a car. Some vehicles from certain manufacturers have non standard machining and sizes used throughout their construction, and you will need to get automotive specialty tools designed for the purpose of working on that particular car from a motor store. No home workshop is complete without a trolley jack and axle stands to allow you to get under the car and do things like oil changes and exhaust checks.</p>
<p>For most small jobs, such as changing the oil or replacing filters, changing the spark plugs and brake pads on your vehicle, general tools such as a wrench and a screwdriver are all that is required, and these are widely available in most hardware stores. It is a good idea to keep your automotive tools separate from other tools you may have, because if you begin a job and then discover that the tool you want to use is missing, it can cause major headaches.</p>
<p>Twenty years ago, cars were much simpler to maintain and understand than they are today. Computerised engine management systems and adjustable fuel injectors are now commonplace, and special automotive diagnostic tools are required in order to make adjustments to the engine timing and fuel air mix, whereas in the past, these jobs could be done quite simply.</p>
<p>Areas of the car that almost anyone can handle the regular maintenance of are the interior and exterior panels. Simple scratches and dents to the bodywork are easy to repair using a soft mallet for panel beating and abrasive paper, spray paint and filler for paintwork repairs.</p>
<p>If your car is well used, the interior is likely to start to look tired and dated and in need of a little tender loving care. Thankfully, there are many automotive upholstery tools available to help you to tidy up the interior of the car and bring it back to its sparkling best. You can repair small tears and burns on the seats by darning them or applying a repair patch over the affected area. The trim of the car can be brought back to life with a good buffing using a polisher, while using specialist tools it is possible to repair the carpets or even replace them.</p>
<p>Of course there is much more to owning and maintaining a car than just tightening nuts and sewing up split seams, and you may find that you want to add non-stock parts such as a more efficient air filter or new exhaust to improve performance, and once you understand the basics of automotive maintenance, upgrades and tuning will become more accessible, saving you even more money in the long term.</p>
<p>Doing small jobs yourself can save you plenty of money on garage bills, and having the right automotive tools to get the jobs done is an excellent idea that will save you time and effort in the long run. However, one of the most important things for any mechanic to know is when to pass over a job to an expert, and rather than potentially do more damage than good, to get a qualified mechanic to carry out work on a car.<br />
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		<title>How To Get Cheap Automobile Insurance Online In New Hampshire</title>
		<link>http://jbmorley.com/auto-insurances/how-to-get-cheap-automobile-insurance-online-in-new-hampshire/index.html</link>
		<comments>http://jbmorley.com/auto-insurances/how-to-get-cheap-automobile-insurance-online-in-new-hampshire/index.html#comments</comments>
		<pubDate>Wed, 28 Apr 2010 19:05:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Insurances]]></category>

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		<description><![CDATA[You may not have to buy automobile insurance at all. If you live in the state of New Hampshire and you have a clean driving record the state of New Hampshire does not require that you purchase automobile insurance. Of course, if you finance your vehicle then the company that loans you the money for [...]]]></description>
			<content:encoded><![CDATA[<p>You may not have to buy automobile insurance at all. If you live in the state of New Hampshire and you have a clean driving record the state of New Hampshire does not require that you purchase automobile insurance.</p>
<p>Of course, if you finance your vehicle then the company that loans you the money for your purchase will certainly require that you buy full automobile insurance coverage. And if you have less than a stellar driving record you will also be required to purchase automobile insurance by the state.</p>
<p>What are some of the reasons that the state of New Hampshire will require that you purchase automobile insurance?</p>
<p>If you are convicted of DUI (Driving Under the Influence) or if you are convicted of DWI (driving While Intoxicated) you will automatically be forced to purchase automobile insurance for a minimum of 3 years before you&#8217;re allowed back on the roads of New Hampshire. If you are convicted of either offense a second time you&#8217;re looking at a mandatory 5 years of purchasing automobile insurance.</p>
<p>If you collect too many &#8220;points&#8221; you can also be forced to buy automobile insurance. Points are &#8220;earned&#8221; by such things as running stop signs, speeding, failing to follow the orders of a police officer, even such things as driving on a sidewalk. You get the picture.</p>
<p>The number of points you need to earn before the state forces you to buy automobile insurance depends on your age.</p>
<p>So even though the state of New Hampshire may not require their good drivers to carry automobile insurance, the fact remains that a large portion of New Hampshire driver do need to buy car insurance and many of them want to get cheap automobile insurance online.</p>
<p>Before you jump online and start filling out forms there are a few simple things you may be able to do that will help keep your rates their absolute lowest.</p>
<p>Obviously having a clean driving record is important. DWIs and DUIs and speeding tickets will force your automobile insurance rates through the roof.</p>
<p>Believe it or not, your credit rating can even affect how much you pay for car insurance, so do everything you can to keep your credit rating excellent.</p>
<p>Purchasing different types of insurance, such as medical and homeowner&#8217;s insurance from the same insurance company can also result in lower monthly automobile insurance premiums through what are commonly called Multi-Policy Discounts.</p>
<p>If you&#8217;re in school stay there and work hard to get at least a &#8220;B&#8221; grade point average. Most automobile insurance companies offer a Good Student Discount on car insurance.</p>
<p>Older drivers should ask their insurance company if they can take a Driver&#8217;s Refresher Course. Not all companies offer such a course, but those that do provide a nice premium discount for drivers who take the test and pass.</p>
<p>If you drive an older car consider dropping any collision or comprehensive coverage you might have. If your car has little or no Kelly Blue Book value then your insurance company won&#8217;t pay to repair it even if you are paying for the insurance.</p>
<p>Finally consider raising your deductible. Work out how much you could afford to pay from your own pocket if you were involved in an accident. The more you can pay ? the higher your deductible ? then the less your insurance company will charge you in monthly premiums.</p>
<p>Now it&#8217;s time to get online and find the very best rates you can possibly find. Be sure to take the extra time to fill out forms on at least 3 different sites so that you can be assured of comparing as many different companies in New Hampshire as you possibly can.</p>
<p>Once you have taken the time to check three different sites then you can sleep easy at night knowing that you have gotten the cheapest automobile insurance that you possibly can anywhere in the state of New Hampshire.<br />
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		<title>How To Find Affordable Automobile Insurance In Oregon</title>
		<link>http://jbmorley.com/auto-insurances/how-to-find-affordable-automobile-insurance-in-oregon/index.html</link>
		<comments>http://jbmorley.com/auto-insurances/how-to-find-affordable-automobile-insurance-in-oregon/index.html#comments</comments>
		<pubDate>Sun, 25 Apr 2010 19:05:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Insurances]]></category>

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		<description><![CDATA[Automobile insurance is expensive and as the price of new cars continues to skyrocket, the price of auto insurance is not likely to come down anytime in the near future. If anything, look for auto insurance rates to continue their upward spiral. So what can you, as a good Oregon driver do to keep your [...]]]></description>
			<content:encoded><![CDATA[<p>Automobile insurance is expensive and as the price of new cars continues to skyrocket, the price of auto insurance is not likely to come down anytime in the near future. If anything, look for auto insurance rates to continue their upward spiral.</p>
<p>So what can you, as a good Oregon driver do to keep your automobile insurance rates affordable? Actually there are quite a few things.</p>
<p>If you are under 25 your rates will be among the highest in the state ? however, if you are in school and maintaining good grades, many insurance companies will give you a Good Student Discount.</p>
<p>If you own a home and have homeowner&#8217;s insurance or you have a life insurance policy check with your insurance company to see if you qualify for a multi-policy discount.</p>
<p>If your car has an anti-theft device, or if you add one to your car you may be entitled to a discount on your insurance. Likewise, if you pass an advanced driving safety course you may qualify for still further discounts.</p>
<p>If you car is being financed, your financial institution will probably require you to carry full insurance coverage, but if you own your vehicle outright there is nothing to stop you from buying only the minimum insurance required by the state of Oregon ? which can save you a considerable amount of money.</p>
<p>In fact, depending on the age of your vehicle, you could forego buying Comprehensive insurance on your vehicle at all ? comprehensive pays for your vehicle if it is damaged by hitting an animal, or if it is damaged by an &#8220;Act of God,&#8221; such as fire, flood, wind or hail.</p>
<p>Another way many people help control the cost of their automobile insurance in Oregon is by raising their deductible. Your deductible is the money you must pay out of your own pocket for an accident before your insurance pays for the rest. The higher your deductible the lower your monthly insurance payments.</p>
<p>So while automobile insurance is expensive here in Oregon, there are many steps you can take to keep your costs as low as possible. By putting as many into practice as you can, you should be able to find affordable automobile insurance in Oregon.<br />
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		<title>How To Save Money And Get Discount Automobile Insurance In Iowa</title>
		<link>http://jbmorley.com/auto-insurances/how-to-save-money-and-get-discount-automobile-insurance-in-iowa/index.html</link>
		<comments>http://jbmorley.com/auto-insurances/how-to-save-money-and-get-discount-automobile-insurance-in-iowa/index.html#comments</comments>
		<pubDate>Thu, 22 Apr 2010 19:05:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Insurances]]></category>

		<guid isPermaLink="false">http://jbmorley.com/uncategorized/title-140/index.html</guid>
		<description><![CDATA[Technically, if you live in Iowa you don&#8217;t have to buy automobile insurance if you have a spotless driving record ? and if you own your vehicle free and clear. The problem is, if you get in an accident and you do not have insurance you must be able to prove that you have the [...]]]></description>
			<content:encoded><![CDATA[<p>Technically, if you live in Iowa you don&#8217;t have to buy automobile insurance if you have a spotless driving record ? and if you own your vehicle free and clear. The problem is, if you get in an accident and you do not have insurance you must be able to prove that you have the financial resources available to take care of all injuries and damages that result from the accident or you can lose your driving privileges entirely.</p>
<p>For most people it just makes sense to purchase discount automobile insurance and not risk the possibility of not having the financial resources available to pay for an accident out of pocket if the need arises. On top of that, if your vehicle is being financed then your lender will most assuredly require that you purchase automobile insurance.</p>
<p>So now the question really becomes, how can I save money and get discount automobile insurance in Iowa? Fortunately there are several simple things that almost any Iowa driver can do to help keep insurance costs under control.</p>
<p>Start with your own driving habits. Don&#8217;t speed and don&#8217;t drive recklessly. Any ticket for a moving violation and your automobile insurance rates will start edging up.</p>
<p>If you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated) your automobile insurance rates could soar sky-high and stay there for at least 3 years ? maybe longer. If you have multiple convictions for DWI or DUI you may be forced to find high-risk insurance at an astronomical cost.</p>
<p>If you are under 25 and have the option stay in school and maintain at least a 3.0 grade point average. This should qualify you for a Good Student Discount and save you at least 5% on your monthly premiums.</p>
<p>Similarly, older drivers, those drivers over 55, may be able to take a special driver&#8217;s refresher course. Passing such a course can save you 10% or even more on your monthly premium ? but talk to your agent as not every insurance company offers this option.</p>
<p>If you only drive a very limited number of miles each week talk to your agent about getting a limited-mileage policy. This can save you a fortune every year.</p>
<p>If you drive an older car or a &#8220;junker&#8221; with no real value then you should probably cancel any collision or comprehensive coverage you have since your insurance company won&#8217;t pay off on the car even if you pay for the insurance.</p>
<p>Your deductible can make a huge difference in how much you pay for automobile insurance each month. Determine how much ? realistically ? you can afford to pay out of your own wallet any time you get into an accident. The more you can afford to pay yourself ? in other words, the higher your deductible ? then the less you will be asked to pay each month for your insurance.</p>
<p>O.K. ? it&#8217;s time to get online, compare policies between companies, and save money and get discount automobile insurance here in Iowa. It can be done and now you have the information needed to do it ? just keep in mind that if you really and truly want to find the very best price for your insurance then you need to take the time to make your comparisons on at least 3 different websites before making your final choice.<br />
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		<title>How To Get Low Rates On Automobile Insurance In Iowa</title>
		<link>http://jbmorley.com/auto-insurances/how-to-get-low-rates-on-automobile-insurance-in-iowa/index.html</link>
		<comments>http://jbmorley.com/auto-insurances/how-to-get-low-rates-on-automobile-insurance-in-iowa/index.html#comments</comments>
		<pubDate>Mon, 19 Apr 2010 19:05:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Insurances]]></category>

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		<description><![CDATA[Did you know that if you have a spotless driving record and if you have sufficient financial resources to pay for medical expenses and property damage in the event of an accident that you do not have to purchase car insurance in Iowa? But before you start driving in Iowa sans car insurance you need [...]]]></description>
			<content:encoded><![CDATA[<p>Did you know that if you have a spotless driving record and if you have sufficient financial resources to pay for medical expenses and property damage in the event of an accident that you do not have to purchase car insurance in Iowa?</p>
<p>But before you start driving in Iowa sans car insurance you need to keep in mind that having the financial resources to pay for an accident out of your own pocket may not be possible for most people. That&#8217;s why the majority of Iowans elect to purchase car insurance.</p>
<p>Also, if your car is being financed then your lender will require that you purchase car insurance.</p>
<p>So ? regardless of the fact that Iowa technically does not require most of its drivers to carry car insurance, the fact of the matter is that the vast majority of drivers are still trying to get the best rates on car insurance in Iowa.</p>
<p>Luckily there are several options available to Iowa drivers that can help to keep the cost of their car insurance low.</p>
<p>One of the biggest determining factors for how much you&#8217;ll pay for car insurance is your own driving record. If you want to have and to keep the lowest car insurance rates possible then you must keep a clean driving record. No speeding or other moving violations. And definitely no convictions for Driving Under the Influence (DUI) or for Driving While Intoxicated (DWI).</p>
<p>A DUI or DWI on your record will cause a serious jump in the cost of your car insurance, and a second conviction for either offense will send you scrambling for high-risk car insurance (if you can even get it) at a cost that will knock your socks off.</p>
<p>Drivers under 25 years of age are considered bad risks and their insurance is considerably more than what a good driver over 25 will pay. If possible younger drivers should stay in school and maintain at least a &#8220;B&#8221; grade point average. Doing so will earn them a 5% Good Student Discount on their car insurance premium every month.</p>
<p>Older drivers can apply to take a driver&#8217;s refresher course. Not every insurance company offers such a course, but if your company does, and you pass the course, you can save approximately 10% per month on your car insurance premium.</p>
<p>If you seldom drive your car you may qualify for a hefty Low-Mileage Discount on your monthly bill.</p>
<p>Do you drive an older model vehicle or a vehicle that has almost no value? Be aware that even if you are paying for collision and comprehensive coverage every month, if you are involved in an accident your insurance company won&#8217;t pay you any more than the Kelly Blue Book value of your car. Check with your agent to see if it is worth it to you to continue paying for comprehensive and collision insurance.</p>
<p>Consider increasing your deductible. This is not something you should do without giving it some serious thought since you will be forced to come up with the cash to pay for your deductible in the event of a claim before your insurance company will pay anything toward the repair or replacement of your vehicle. But the higher your deductible, the lower your monthly car insurance payment.</p>
<p>So now that you have a good idea of the steps you can take to lower your car insurance premiums it&#8217;s time to get online and find at least 3 different websites that allow you to compare the prices you&#8217;ll pay for car insurance from a variety of different companies.</p>
<p>If you&#8217;re truly serious about saving the most money possible and you really want to get the best rates on car insurance in Iowa, then you&#8217;ll need to take the extra time to make comparisons on at least 3 different websites. This way you can be certain that you are comparing prices from the largest number of insurance companies possible, and you can feel confident that you have found the best deal possible at the best price available.<br />
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		<title>How To Compare Low Cost Automobile Insurance In Arizona</title>
		<link>http://jbmorley.com/auto-insurances/how-to-compare-low-cost-automobile-insurance-in-arizona-2/index.html</link>
		<comments>http://jbmorley.com/auto-insurances/how-to-compare-low-cost-automobile-insurance-in-arizona-2/index.html#comments</comments>
		<pubDate>Fri, 16 Apr 2010 19:05:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auto Insurances]]></category>

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		<description><![CDATA[Even though car thefts were down 11% in 2006 in Washington State, car insurance still comes at a premium price. Trying to wade through the maze that is automobile insurance rates to find the best deal can be challenging for anyone. It can feel as though you&#8217;re at the mercy of the car insurance companies [...]]]></description>
			<content:encoded><![CDATA[<p>Even though car thefts were down 11% in 2006 in Washington State, car insurance still comes at a premium price. Trying to wade through the maze that is automobile insurance rates to find the best deal can be challenging for anyone. It can feel as though you&#8217;re at the mercy of the car insurance companies and you have to take whatever they are offering. That&#8217;s not the case. There are ways you can get the upper hand and save at least a few dollars off the cost of premiums each year.</p>
<p>The first thing you need to arm yourself with when you journey into the world of automobile insurance is what coverage you are interested in. Many insurance companies have a wide range of policies and typically agents will begin by trying to sell you the most comprehensive one they offer. The reason is simple and it&#8217;s that they make money by selling these policies so it stands to reason that if they can lure you into buying a more expensive one; it means more money in their pocket.</p>
<p>You need to first think about what would happen should you be in an accident that is your fault. How much coverage would you need to adequately protect yourself, repair or replace your automobile and cover any medical expenses that may be related to an accident? All of this is dependent on several factors including your driving record, the vehicle you drive now and the area you typically drive in. If you have a baseline idea of what you should be paying, you can then negotiate with an insurance agent realizing the limitations of your situation. Obviously someone who drives in a major metropolitan area and has numerous speeding violations won&#8217;t enjoy the same low rates as someone who drives rurally and has never been ticketed. Be realistic in your goal and you&#8217;ll find a rate that fits.<br />
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