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[A23]A Day Car Insurance

by Susan Tanner, Sus

There are many different scams out there and it is an unfortunate reality that we live in a world where people spend their days thinking up schemes to cheat us of out our money. California car insurance is getting a bad rap due to all of the counterfeit car insurance schemes that are out there. One escalating car insurance scam involves the sale of "cheap" auto insurance to unsuspecting buyers. The auto insurance looks real but in reality it is coverage that is invalid or doesn't exist. This article should help you be aware of the different types of car insurance scams that are out there.

First, you should know about the most common car insurance scams. You will fall a prey to an individual pretending to be a licensed auto insurance agent or broker. He will cheat you in two ways. This person will charge a fee to prepare a quote for you. (Officially, there is no such charge). The fake insurance agent will offer you a quote, which is significantly less than what you are presently paying or have been quoted.

The fake insurance broker gets all your personal information including your driving history. This fake broker will now call a licensed insurance company for an auto insurance quote and pretend to be you. The fake broker will add that you belong to a group that is eligible for a discount. You can then pay your premium directly to the insurance company and receive a proof of insurance coverage.

You will be happy thinking you now have cheap car insurance. Nevertheless, you need to understand that no licensed insurance agent or broker can ever charge a fee. Your insurance coverage is invalid as the information that was given to the company is false.

You should also know about another type of car insurance scam. This scam is marketing offers for cheap car insurance premiums. They will advertise stating that the coverage rates are significantly lower than the insurance you now have. Sometimes they may even offer free auto insurance for a period of time, say, "The first three months free.

You are provided with a phone number in the in the marketing materials. You call that number and then you are provided with a quote. To accept the quote you are asked to remit either a partial or full payment through a transfer or money wiring service. There might even be an option to meet in person so that you can pay in cash or with a cashiers check.

You may be proud that you have a great deal on insurance. Nevertheless, in reality the policy was never issued. You will be shocked when you realize that the individual you contacted pocketed your payment.

There is no free lunch, which is to say if it sounds too good to be true it probably is. Remember, driving without valid auto insurance is against the law. It is your responsibility to ensure that you have valid auto insurance. You do not want to find out that you don't have valid auto insurance by being involved in an auto accident or by being pulled over by the police.

Car insurance is a necessary pain, a chore that we must all endure before we get our sparkling new set of wheels out on the open road. Of course, having shelled out on your new car you want to feel like your paying as little as possible on something as boringly practical as insurance. This is kinda frustrating because it means we feel obliged to spend a bit of time shopping around rather than settling on the first deal we stumble upon. Still, buying insurance was never gonna be a particularly thrilling process and hopefully with the following few tips we can help make the whole thing as quick and painless as possible.

? Your first job is to decide what sort of policy is best for you. Basic third party insurance will cover the cost of damage to another driver's vehicle and is the minimum legal requirement. Although this'll be a cheaper option it won't give you much protection on anything in the way of damage to your vehicle.

? Unless you're on a particularly tight budget it's probably advisable to look beyond third party and plump for fully comprehensive car insurance. This offers the extra assurance of covering any damage to your own car in the event of an accident caused by yourself. Shop around and you'll find that you can get add-on benefits like the use of a replacement car whilst yours is being repaired.

? If you plan on using your vehicle for occasional business related travel make sure you check whether you're covered for accidents that happen outside your social, domestic routine unless explicitly mentioned in your agreement you probably won't be. In this event additional cover is advisable.

? If you're a young driver insurance premiums are almost certainly going to be higher than for a more established, experienced driver. A good way to reduce costs is to get some extra qualifications beyond the standard driving test, like motorway or night driving.

? Limit your cover to named drivers.

? It might be an equally worthwhile money saving tactic to improve the security on your car. Check with your insurer but often the installation of car alarms, immobilisers and parking your vehicle in a garage overnight can help.

? It's worth keeping your eyes peeled for a protected no-claims discount. It will cost you a little more but protects any accumulated no-claims discount that may otherwise be reduced in the event of a claim. No-claims discounts can mean hefty savings of up to 65%.

? Save time and money by going through a broker or a company who uses the services of numerous insurers, this will make sure your cover is the most suitable and hopefully cheapest selected from a larger pool of deals.

? Do make sure you keep you insurer notified of any changes of circumstance and indeed anything that may affect you cover, any failure to disclose relevant information might invalidate a claim.

Article Source : Insurance Scams

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Both Susan Tanner & Evan Moss are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Susan Tanner has sinced written about articles on various topics from Insurance Scams, Car Accidents and Insurance Quotes. To find out exactly how I got , visit my website about