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Fleet Insurance - Taking Care of All Your Vehicles By the Fleet

There are a myriad of vehicle insurance types to choose from. Each car or van insurance, however, depends on the vehicle itself and in the ownership of that vehicle. Choosing the perfect insurance package for each vehicle is not an easy decision to make. So imagine if you have a whole fleet of vehicles to get insurance for!

Fleet insurance is a great way of managing the cost of insuring your company vehicles and in ensuring that claims are handled with as less stress and hassle as possible. A company may opt to self-insure by way of insurance bonds. This is very expensive and the risk to the business is high, particularly given the number of claims that are probable and the open-ended nature of the claims that may arise. Handling claims can be a logistical and administrative headache and is something that a fleet insurance policy can handle in a breeze.

Fleet insurance removes the burden of having separate policies for every vehicle. Simply consider the monitoring and tracking that would be required to ensure that each vehicle has the proper coverage, gets renewed on time and continued with no period of non-coverage.

Fleet insurance takes away all the worries from the part of the business and vehicle owner. Fleet insurance policies do vary, but the basics remain across all providers. Fleet insurance premiums are governed by the number and type of vehicles, their age and condition as well as the overall mileage that can be expected from the fleet or classes of vehicle within the fleet.

Claims history is also relevant but high risk drivers who otherwise would not or could not be insured may become covered by use of a fleet insurance policy. Individual insurers will have different ways of calculating premiums and assessing the risk that is presented but these processes tend to follow a common path based on the fleet factors we've already mentioned.

Limited liability insurance that is included in fleet insurance policies takes into consideration the fact that you must also insure the vehicles and the acts of the driver and the riders during the normal course of business.

Fleet insurance for lorries and caravans should cover the goods that are to be transported as well. If you are commercially transporting goods that are practically the lifeblood of your business, you also need to look at insuring the cost of these goods in the event of theft or loss while in your control, in transit or during a breakdown of the vehicle. These issues also need to be considered when looking at what a fleet insurance policy can provide for you and the riders of the vehicles, and not simply focusing upon the insurance of the fleet itself.

Running a fleet of vehicles in your business presents some unique problems and issues. Fleet insurance can be a very helpful tool so you can do away with the extra burden and liability that may arise in the course of your business. Getting a fleet insurance for loads of vehicles gives the business owner the much needed convenience that individual vehicle insurance policies do not offer.

posted by onlinefreeinsurance21 @ 1/14/2008 09:50:00 PM 0 Comments

How to Compare Low Cost Car Insurance in Mississippi

Almost every driver would like to know the secret for getting low cost car insurance in Mississippi - and fortunately there are several simple things virtually any driver can do to save money month after month.

Of course the most important thing you can do to insure that you are even offered low cost car insurance to begin with is to drive safely and legally at all times. If your driving record has any speeding tickets or DUIs or DWIs or other moving violations you simply will not be offered the best rates possible.

If you can park your car in a garage at night rather than leave it parked on a street you'll save money.

You'll also save money if you pay your premium each month automatically from your bank account.

Buying a simple steering wheel locking device - and using it - may also save you money. Talk to your agent about other low-cost anti-theft measures that could save you money month after month.

Don't waste your money paying for collision or comprehensive insurance on older cars that no longer have any Kelly Blue Book value.

Join - or start - a carpool at work. Did you know that if you can cut your monthly rush-hour driving miles in half that you could save a bundle on your car insurance?

Use public transportation whenever possible and leave your car parked at home. If you can reduce your driving to below 500 miles each month you can save considerably with a Low Mileage Discount.

If you retire and stop driving back and forth to work let your agent know and you will be entitled to a substantial reduction in the cost of your car insurance.

Younger drivers who are still in school and can get a "B" average or better will save with a Good Student Discount.

If you have more than one car, insuring all of them with the same company entitles you to a Multi-Car Discount.

If you have other insurance policies - such as homeowner's or life or health - consolidating all of your policies with the same insurance company entitles you to a substantial Multi-Policy Discount on your car insurance.

Agreeing to pay the largest deductible that you can actually afford is another way of reducing how much you pay every month for your car insurance.

Buying your car insurance online is another great way of saving money. If you want to get the very best price possible then don't stop after comparing prices on just one website, but compare prices on 3 different sites.

Also, be certain that you input the same answers to the questions on all 3 sites. That way you will truly be comparing the same policy all the way around.

Once you have made your comparisons on 3 different sites then all that's left is for you to choose the best price you've found. That's it! That's how to compare low cost car insurance in Mississippi.

posted by onlinefreeinsurance21 @ 1/14/2008 06:27:00 PM 0 Comments