Older Drivers And Affordable Auto Insurance

by James Phoenix Jones in Insurance / Auto    (submitted 2010-04-12)

If cheap auto insurance for older drivers is what you are looking for than you have come to the right place. This article will give you all the essential information regarding auto insurance for senior citizens. No one wants to pay more than he has to. Discover what factors determine older citizens' insurance rates and how you can pay less.

Who is considered a senior driver?

A lot of people don't really know that insurers have a different approach to seniors. In society, as a senior citizen is accepted a person who is 65 years old or more. However, as far as insurance companies are concerned, a senior driver is everyone over 55 years old. Yet again, older drivers are divided in 2 further groups - those aged under 75 years and those aged over 75 years.

Insurers are well aware of the fact that we are an ageing nation. Getting older means you become wiser and inevitably your driving habits change.

Auto Insurance rates for senior senior drivers

Age, driving history and the type of car you drive are some of the fundamental criterias used to determine auto insurance rates for older citizens. Statistics show that older people are in general careful and law abiding drivers. Tickets for reckless driving and speeding are rarely issued to grandmothers. Fast and expensive sports cars are also not a common sight on the driveways of senior drivers.

When it comes to driving, maturity definitely has it good sides. Insurance data also suggest that older drivers use their cars less. The only cons are often deteriorating sight, which affects night driving in particular, and slower reflexes.

Your auto insurance rates will be lower than the average if you are under 75 years old and have a good driving record. If you are older than 75, insurance companies will, in most cases, put you in the high risk group and you may seen your premiums go up.

Cheap car insurance for older drivers

Driving your old car, which may have sentimental value to you, may not be a wise idea. Not only are older cars more expensive to run but sometimes their actual value is less than the yearly insurance premiums. Exchanging it for a more economical vehicle full with safety features will save you a lot of money on insurance.

Taking a defensive driving course is a wise idea too. Insurers reward drivers who have taken such classes with cheaper insurance rates.

The easiest way to find cheap auto insurance for senior drivers is to compare quotes on-line. When shopping for insurance, its recommended to compare at least 3 quotes from different insurers. The difference in rates is often amazing. Some people save up to 35% on car insurance!

For free, no obligation, auto insurance quotes, visit senior drivers insurance or Florida No Fault Insurance.

About the Author

I am a dynamic figure, often seen scaling walls and crushing ice. I have been known to remodel train stations on my lunch breaks, making them more efficient in the area of heat retention. I translate ethnic slurs for Cuban refugees, I write award-winning operas, I manage time efficiently... :)

The Best Way To Alliviate Misfortune

by Fredrick in Insurance / Agents    (submitted 2010-03-18)

Fortuities are something that can happen anytime and anywhere. While you would never want your dearests to bump whatsoever fortuity, its one disagreeable reality of life that can't be anticipated in advance neither can they be disregarded when they are coming your way. It's inevitable and one can ran into an accident in the most unforeseen way and time in life. It can be all more frightening when it actually results in the loss of life of someone. Then again even if you do come through from traumatic circumstances of your life you would be lucky if you sent away.

Your short-term impairment condition at one time when you endure the accident can be a harsh reality on your part as suddenly the world would be too arduous for you to bear. And the sad reality of the financial aftermaths can be all more frustrating if you don't have sufficient money. These could be depressing and for once, you would think as if life is really not worth it.

This is where an accident insurance comes to the rescue. If you enjoy the security of an accident insurance, then you'd be able to live off a substantial portion of weight away from your shoulders that you would find yourself under after a tragic event. An accident insurance would entitle you to defrayment for those days that you were ineffectual to work due to your passing disability. Moreover, the program will unremarkably cover a big part of the doctor's bill* that would eventually accumulate during your treatment period and therefore, extortionate medical bills would not be something that would come back to haunt you.

A big part of the benefits that an accident indemnity would provide you would be in terms of payments towards your doctor's fee and hospital bills. Another benefit of acquiring such an insurance program is that even if you came across accidents outside your work, you would still be eligible to avail the benefits that come with it.

Some other benefits depend on your accident insurance plan that you are able to avail are as follows:

• Indefinite number of accidents coverage
• Accident insurance coverage for family
• Payment in bulk to you or your surviving family members
• Benefits in case of fractures, dislocations, loss of limbs or even death

The importance of possessing an accident insurance can't be emphasized enough although it might not appear a comprehensive to you if you have never suffer a tragic event in your life. But the question is that why do you have to wait for an accident to happen ant then realize the worth of an accident insurance and the limitless benefits that it can give you in times of great need, It is important that you and your family are always protected from the drastic consequences of any major mishap rather than suffering the financial dilemma that comes with it later on. An accident insurance program is something that every responsible person must have.

About the Author

The author recommends http://www.trustedadjusters.com if you need a public insurance adjuster to adjust your commercial insurance claims.

What is Builders Liability Insurance and Why You Need it? by Philip Thomas

by Philip Thomasin Insurance / Agents    (submitted 2010-04-02)

Builders and contractors working on construction sites follow safety norms and standards to avoid workplace accidents, injuries, and damages. Yet accidents may occur in spite of all precautions. Builders Liability Insurance provides coverage to builders and contractors as well as from third party claims resulting due to various types of risks in the form of accidents, thefts, damages, and injuries. Builders Liability Insurance covers a spectrum of construction related insurance packages like Public Liability Insurance, Employers Liability Insurance, Contractors All Risk Insurance etc.

Builders Liability Insurance Covers:
The builder liability insurance is beneficial for various trades across construction industry.

Public Liability Insurance
Public liability insurance provides protection from any third party claims made against the businesses. It covers claims when employees, sub-contractors, directors, owners are held accountable for any injury or damage caused to the third party or their properties. Public liability insurance also covers legal costs that have to be incurred for defending the claims. It also covers claims made for defective products. The amount of premium will vary based on different factors like type of business, previous claims, projected turnover, and number of employees. This type of Insurance is useful for tradesman, builders, and contractors.

Employers Liability Insurance
Employers liability insurance provides coverage to employers when any of the employee or workers suffers physical injury or death while on work and it is proved that the injury or death occurred due to employer's negligence. It covers the employers against all the claims made by injured employee or relatives of deceased employee for compensation. Employers liability insurance also covers the associated legal costs. This insurance is suitable for companies having employees or workers. The employers liability insurance is issued along with public liability insurance.

Contractors All Risks Insurance
Contractors all risks insurance covers loss or damage to contract works, own plant, hired-in plant, and employee's tools. The contract works section of this insurance is the main part which provides coverage for only the property on which the work is going on. This insurance will cover loss or damage to contract works or materials when any of the work going on is damaged. It will also cover loss or damage caused to the plant of owner including his machinery, tools, and equipments. Contractors all risk insurance also provides cover for theft, loss, or damage to machinery, equipments, tools which are hired in plants from outside like hire yards. Some insurers also extend this insurance to cover loss or damage to owner or employee's hand held or power tools. This insurance is useful for contractors, builders, and other trades in the construction industry.

Personal Insurance
Personal Insurance or Personal Accident Insurance is suitable for owners, Directors, sole Traders who in case get injured in an accident and can not work for a certain period of time. In such case they also can not sue their own company. It provides for a 24 hour cover which is not limited to work related accidents. This insurance provides an income during the entire course of period for which insured is unable to work. Personal accident insurance provides three distinct benefits in the form of monthly tax free income, hospital cash, and lump sum (capital benefits). A monthly tax free income means the insured gets a tax free benefit after one month and continues to receive it for entire recovery period. While, hospital cash means the insured gets some amount as expenses towards his stay in hospital. A lump sum means the insured gets certain amount depending on nature of injury. The personal accident insurance relieves the insured from financial worries when he has to rest and recover. This insurance is popular in construction industry.

Machinery Insurance
Machinery Insurance provides protection against any type of loss or damage to most of machineries and equipments used in the construction industry like cranes, earth moving equipments etc. This insurance is especially useful for construction industry where a lot of machinery is used and is exposed to rough field conditions on routine basis.

As there are chances of accidents, thefts, injuries, and damages during construction work, the Builders Liability Insurance provides a much needed protection from claims which can be detrimental to construction businesses. It is also useful to cover third party claims for damages caused to other's property.

About the Author

Keystone Insurance Group is Ireland's premier supplier of public liability insurance & business insurance solutions to the Irish industry. We offer a broad range of builders insurance, public liability insurance Ireland, construction insurance & liability insurance products to contractors & general business customers. Our experienced and professional team quickly arranges quotes for all classes of business insurance.