PUBLISHED: 08:00 29 March 2019 Sophie Stainthorpe It’s important to know what level of car insurance cover you require to avoid stressful and potentially expensive situations Picture: Paolese - stock.adobe.com ©Paolese - stock.adobe.com You may quickly answer “yes” to the question of whether you have the right car insurance, but there are several different types of insurance policies, so it’s worth checking that you’ve got the correct cover. Many drivers are unaware that they may be driving around uninsured because they don't have the right cover Picture: Getty Images/iStockphotoMaking sure your car is insured correctly is just as important as getting the cover itself. For instance, if you use your car to commute to work, but your insurance policy only covers social driving, your car insurance may be invalid. That means that, should you be involved in an accident, your insurer may not pay out. Worse than that, you … [Read more...] about Is your car insured correctly?
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opinion Nancy Kaffer Detroit Free Press Published 6:15 AM EDT Mar 22, 2019 My credit score is a mystery to me. It is inexplicably bad, even though the overwhelming majority of things I am obligated to pay — rent, bills, auto insurance premiums — I pay on time. The credit rating bureau Experian says I've made five late payments over the life of my credit history, although it doesn't tell me what payments, or when. I don't have a lot of debt, which Experian says isn't good, and the kinds of debt I have, Experian also doesn't like. Because my credit score is bad, I pay more for anything with an interest rate: a car lease, a car loan, a mortgage, really, credit of any kind. And car insurance. Thanks to the way the auto insurance industry calculates an opaque metric called the "insurance score," folks with bad credit (like me) pay more for car insurance. Not because we're worse drivers, but because auto … [Read more...] about Rashida Tlaib’s car insurance bill would unlink credit score
BRITS could be paying far more than they need to for car insurance policies because they're on cruise control when it comes to renewing their deal. Motorists almost always end up paying more if they roll over their policy automatically, yet millions of drivers still don't bother shopping around. New research has revealed more than a third of drivers let their annual car insurance policy auto-renew instead of looking for a better deal. And two in five customers who auto-renewed believe they were getting the best possible deal, according to the moneyexpert.com research. But data from the same survey, as well as from the Association of British Insurers (ABI), Financial Conduct Authority (FCA) and Citizens Advice, found motorist who auto-renewed were 50 per cent more likely to be paying more than £800 for their car insurance than if they found a new policy by other means. In 2018, 29 per cent of drivers let their car insurance auto-renew, compared to 30 per cent who negotiated a new … [Read more...] about How letting your car insurance policy renew automatically will always cost you more
CAR insurance premiums have dropped for the first time in three years - but Brits say they haven't noticed the difference. The average annual policy now sits at £768 - down by £13 from 12 months ago, according to latest figures. Reforms on injury payouts and whiplash laws have seen insurers slash prices. But 70 per cent of drivers said their renewal quote has actually gone up. And Confused.com's price index report found it was down to motorists staying with the same insurer. Figures show Brits pay an average £45 "loyalty tax" by not shopping around each year. How to cut your car insurance premium Never auto-renew: You can knock potentially hundreds of pounds off your annual bill by not letting your premium auto renew and going with a new insurer instead. Under new rules brought in last year insurers have to show clearly how much you paid last year so you can see how much more you'll be paying. Check your job title: Recent research found drivers could be … [Read more...] about Car insurance is CHEAPER than a year ago but 70 per cent said their premium went up – here’s how to cut your costs
Microwave ovens eventually die and require replacement. When mine started making an odd popping sound and emitting an electrical smell during use, I unplugged it, went to the closest store known to sell microwave ovens, bought a new one, plugged it in, and then continued heating up leftovers for lunch. It took less than an hour. Cars eventually die and require replacement. People don’t buy cars like they buy microwave ovens. You never wake up, decide to buy a new car, walk into a dealership showroom, swipe a credit or debit card, and drive away in less than an hour. FOLLOW DAILY NEWS AUTOS ON FACEBOOK. MAKE THE RIGHT DECISION AND 'LIKE' US HERE. J.D. Power research confirms this. In recent years, the company’s New Autoshopper Study has found that about 80 percent of car buyers use the Internet to research new vehicle purchases, spend an average of 14 hours doing so, and take an average of four months to make a decision about which make and model to buy. As a person who … [Read more...] about 8 Important Decisions to Make Before Buying a New Car