Just when you think you have done everything to attain the lowest car insurance premium possible, some auto insurers are coming out with innovative programs for certain sectors so that they can avail of additional discounts on their premiums.

There are some auto insurers who give preferential discount based on your profession, age or Internet usage. Aside from the traditional discounts given by insurance providers, here are some additional discounts you can look into:
� Those with Engineering degrees are considered low risk;
� Teachers get additional discounts
� Active and Retired Military personnel discount
� Multiple cars in one policy discount
� Online Internet purchase discounts

In no particular order, here are some common car insurance myths:
1.Red cars mean higher premium payments.
2.If you get one speeding ticket, your premiums will go up.
3.There is no regulation of the car insurance industry.
4.I do not need add-op options for my policy.
5.The cheaper my car, the lower my premiums.
6.It is not my responsibility if someone is using my car and he causes an accident.
7.The older my car gets, the lower my premium.
8.A smoker needs to pay higher premium.
9.My premium should be the same as my neighbor�s.
10.My premiums will drop when I reach the age of 25.
11.Comprehensive coverage means it covers all situations I am involved in.
12.Rental Reimbursement coverage will protect me when I crash my rental car.
13.Getting all my insurance from the same company guarantees me a lower premium.

 Bodily Injury Liability Coverage- when a road accident occurs and you have injured someone, as the indicated policy holder (or any family member, for that matter, who were named on the policy) you are entitled to this kind of insurance policy coverage which will handle all the expenses.
• Personal Injury Protection (PIP) coverage- this will cover the medical payments, lost wages, and the value of replacement services to the injured policy holder and anybody inside the car when the accident happened. In some cases, the cost of funeral is also covered.
• Property Damaged Liability Coverage- this will pay for the damages you have caused to the other car or cars involved in the accident. Also included are damages done to objects or properties that your car have hit.

Teenagers are considered a high risk group because of the different misdemeanor that they usually get involved with. Helping your teenager to become a responsible driver is very important not only for his safety but to help you lower the premiums on the car insurance coverage. As a parent, you need to lead by example and show your teenager how to be a responsible driver, otherwise he will adopt whatever driving habits he forms while on the road.

Take the 2005 Honda Accord, for example. After one year of usage or 10,000 miles, Honda will recommend that the tires be rotated and the engine oil replaced. In comparison, Majestic Honda dealership in Lincoln, R.I., will advise 17 points worth of inspection and repair (from testing window wipers to lubricating door hinges) after just 7,500 miles.

• Your insurer may come to the conclusion that you were largely (or even entirely) at fault if your claim is related to a theft from the vehicle or of the vehicle itself

• Your car insurance policy may contain a clause witch invalidates the claim

• It is decided the claim should be settled under another policy such as your home contents insurance (particularly in the case of theft from the vehicle)

• You provided information that was untruthful or inaccurate

• You are unable to provide receipts to backup claims of theft of items from your vehicle

• The book price of the car is considerably less than the money you’ve invested in restoration or enhancements

With any insurance policy your insurer will expect you to disclose any information that could be of importance to them. You are obliged to do this even if the details are not requested; this is known as “utmost good faith”.

Insurance companies often use this extremely wooly approach to sharing information to justify rejecting or downscaling claims. Should this situation arise with your car insurance claim there are some important points to remember:

• The small print of your policy carries a lot of weight; study it thoroughly before, during and after your claim (and ideally before taking out a policy in the first place)

• Keeping accurate records of conversations and correspondence along with receipts can make a huge difference in backing up your claim as well as the eventual success of your claim

• The payout figure announced by your insurance company is not set in stone. Rather than just accept the amount on offer you are perfectly entitled to question the payout and put forward you case for why it should be increased

If after all that you still disagree with your insurers decision to reject your claim or the payout level awarded your next step should be to contact the Financial Ombudsman Service.

The FOS acts as an independent arbitrator to resolve conflicts between insurance companies and customers, they deal with thousands of complaints every year.

The first step in complaining to the FOS is to confirm your car insurance claim has been dealt with in full by your insurance company. You can raise your complaint with the FOS once your insurer has provided a letter or final response to your complaint or has failed to do so within eight weeks.

If you need the assistance of the Finance Ombudsman Service to help with your car insurance claim visit their website http://www.financial-ombudsman.org.uk/

Delays in resolving a car insurance claim can lead to massive disruption in people’s lives. Hopefully this post will help make your next claim run more smoothly. We all need help from time-to-time so please don’t be discouraged from contacting the FOS for support with your claim.

Every year, insurance companies process thousands of car insurance claims and pay out millions of pounds to people whose cars have been the victim of theft or damage. Even more is paid out to motorists involved in accidents on the roads.

Whether its personal injury or the theft or damage of a vehicle the process of claiming on your motor insurance policy can be a stressful one. To make things easier here is our guide to making a car insurance claim.

• The first step is to contact your insurance provider as soon as possible after the event. Most insurers have a 24hr number you can call so use that to reach the right person more quickly.

• If your claim is crime related such as theft, damage or vandalism immediately report the crime to the police and take note of your incident number. Should a police investigation result in any prosecutions your insurer will need to know the incident number.

• Write down all the details concerning the incident and refer to these notes when making your written claim.

• Be sure that your version of events is accurate and consistent. Changing your story further down the line could arouse suspicions that jeopardise your claim.

• Get all the help and information you need from your car insurance company to support your claim. Don’t be afraid to ask your insurer questions as its essential to have all the correct documentation and evidence to back up your car insurance claim.

• Retain any documentation relating to your claim in a safe and secure place and ensure that your insurance company can contact you easily.

• Keep copies of any communication regarding your claim; be they letters, emails or telephone conversations and take the name of any person you speak with.

• Before going ahead with any repairs to your vehicle you need to get absolute verification on the status of your claim. Until your insurer confirms they will cover the price of repair you are accountable for all costs.

• If your car requires repair most insurers will recommend a garage where the repairs will be guaranteed for a specified period of time. If you take your vehicle in for repair yourself there is a good chance the cost will not be covered by your insurance company.

Having to claim on your motor insurance is never a pleasant experience but following these easy steps will help make the process run as smoothly as possible.

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The days of spending hours on the phone with insurance agents to get quotes are past. With the internet, car insurance quotes are easy to get and easy to compare. Why spend your precious down time tracking down information you can get with a few mouse clicks and key strokes? It doesn’t make sense. Spend your time doing the things you enjoy instead of leaving message all over town to get agents to call you back.

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