Why Are Car Insurance Premiums So High?

Car insurance can be a large part of the cost of car ownership, particularly if you own a high end, prestige car. Many things that affect the cost of car insurance are things that you as the driver have little or no control over. You cannot change your age, while things like what car you drive, where you live and what job you do can be difficult to change, and are not something you would change just for your car insurance! Driving sensibly, maintaining your car with regular car services and MOTs, avoiding accidents and motoring offences, and not modifying your car are all things that you do have control over, but there is much more to it than that. The behaviour of all drivers will affect how much everybody’s car insurance premiums cost.

In particular, the growing number of insurance claims for whiplash are driving up the cost of insurance premiums by an average of £90 per year at the moment. In fact, according to the Association of British Insurers (ABI) and the Automobile Association (AA), whiplash claims are contributing to the cost of car insurances nearly doubling. Imagine how much we would all save if we stopped making claims for an injury like whiplash which is usually quite minor as well as difficult to prove.

According to the ABI a massive 570,000 people a year are claiming for whiplash injuries which cost British car insurers £2 billion in 2011. The AA feels that a large number of these are spurious or fraudulent and that the government should act decisively to deal with the issue. The government recently met with a group of insurance companies in order to discuss the possibility of increasing the limit for personal injury claims from £1000 to £5000. This would allow more whiplash cases to be dealt with by the small claims court, hopefully acting as a deterrent for fraudulent claimants who would then be billed for legal costs. Currently it is cheaper for the insurance companies to settle whiplash claims out of court, even when they suspect fraud, and this is what drives insurance premiums up for the rest of us.

The ABI does not feel this goes far enough, and has called for various measures to be implemented. These include requiring whiplash claimants to show medical evidence of injury before being entitled to compensation, either capping or reducing the amount they can claim and requiring assessment by a panel of independent doctors rather than their GP. Some countries also use bio-mechanical evidence to determine a threshold of speed under which whiplash would not realistically have occurred.

The sad fact is that there will probably continue to be fraudulent claims in one area or another of accident claims, so all the rest of us can do is continue to drive sensibly and maintain our cars responsibly. Regular car servicing and MOTs, combined with careful driving will help you to avoid accidents.

It’s important to learn about the various features and coverage that comes with different auto transport services. Here’s a helpful site you can use to learn more about the process, rates, and insurance coverage. You can also find out more about enclosed and open carrier options for vehicle transport.

Automobiles a Sign of Prestige? Car Insurance Doesn’t Have to Be Expensive

Do you consider a new car or certain model the ultimate sign of prestige? Car insurance under these circumstances can cost more than you might like to pay. After all, while people can see your car, none of them can see your monthly car insurance bill. Why go on paying too much money for car insurance when there are better options? Wouldn’t you rather spend that extra money on upgrading some feature of your automobile instead?

When you get a free insurance quote online, you can easily enjoy your automobile prestige. Car insurance estimates provided by these sources are often significantly cheaper than what you will get from your local sales agent. At the very least, when you cut out the middle man looking for a commission, you can be assured that the rates will be a bit lower. Chances are, you would be surprised at how many excess fees are built into your existing policy just for the sake of profiteering.

Are you tired of paying a high price for your automotive prestige? Car insurance purchased online is just as good as what you will get from your local agent. In fact, when you can get cheaper rates for basic coverage, you can also think about the extra benefits you might like to have. This includes death benefits, as well as access to carriers with advanced claim processes. You may also be able to find carriers that offer programs that will not penalize you for tickets and collisions. With so many options available online, why get stuck with a sub par insurance plan from a local carrier? Considering how much you already spend on your automobile, why overlook improving your coverage with a free online quote?

Enjoy the Luxury of Mercedes Benz Car Parts

Think Mercedes-Benz – you already have a picture of automotive excellence in your mind. The well established Mercedes-Benz C-Class and E-Class are familiar, recognizable faces in the prestige car market. With its modified sports suspension, mechanical differential lock and high-performance brake system with composite discs, front and rear, the ultra-powerful high-performance Mercedes Benz cars dynamic handling is certainly very impressive. And the exclusive standard equipment on-board this dream car underlines the technological ambition behind it.

Many car enthusiasts enjoy the Mercedes-Benz ownership experience with car parts that suits their lifestyle and their budget. Parts Train’s Mercedes Benz car parts allow customers to appreciate its unique features and driving experience.

Parts Train like DaimlerChrysler is highly focused on high quality and state of the art engineering for their Mercedes car parts. The prestige that people put on these luxury cars makes it an utmost priority for car parts manufacturer like Parts Train to choose superbly crafted and the highest quality Mercedes Benz car parts.

At Parts Train, superior quality Mercedes Benz car parts are offered like: condensers, bumpers, carpets, catalytic converters, door, door glass, electrical parts, engine parts, exhaust, fenders, floor mats, fuel tanks, gas tanks, grille, header panels, hood, hubcaps, mirror, radiators, radiator support, body panel, rims, spoilers, suspensions, tailgate, trunk lid, weather stripping, wheels, window regulator, wind shield and many others.

As Parts Train says “It is not fitting for any Mercedes Benz car to be equipped with low quality and substandard parts, that’s why we here at Parts Train offer only parts of Premium Quality”.

Parts Train has a long list of high quality Mercedes Benz parts, aftermarket parts, performance parts, replacement parts that can all be accessed through their easy to navigate website http://www.PartsTrain.com/ShopByVehicle/MERCEDES_BENZ Cool discounts and affordable prices await buyers. Their top of the line Mercedes Benz exhaust for example are of unmatched quality and workmanship. The company also offers first-rate quality replacement Mercedes Benz carpets. All their Mercedes Benz engine parts have passed rigid quality tests for durability and performance as well as all the other car parts.

Product excellence marks every Benz car parts from Parts Train. Always a bestseller, these car parts live up to the Mercedes Benz name. Dubbed as the car of the rich and famous, there is always the authenticity; heritage and the pride people have in owning a Mercedes.

Luxury Car Rentals – A New Way of Life

In a fast paced developing world, we can find luxury everywhere. From bed rooms to cocktail parties, money is shelled out for a luxurious outlook and feel. Luxury is the exhibition of one’s status, money, power and helps one to gain respect in the society. In the trading class of the society, luxury is often rolled out to fetch more business opportunities.

Luxury cars provide one not only luxury but also a premium quality transportation facility; let it be for a group or party traveling together on business or for pleasure. Equipped with complete air conditioning, plush interiors, bars, etc luxury car rental services provide excellent services to its clients.

For business persons, custom made limousines with small workstations, internet, and telephone and fax machine are available. As such, corporate tours and travel involve business sense and corporate elegance of the highest level. To move many corporate firms are seen hiring these luxury cars to pick up their clients from the airports. The professional chauffeurs are another attraction with these services. They are usually prompt and courteous and take care of the client’s safety in all sense.

A luxury and prestige car is perceived as the reflection of its owner’s aesthetic sense and sophistication. Nowadays, sports cars also command a long list of admirers. Leasing a car may help you to realize your life time dream of owning a luxury car. However, it is important to take into consideration that when comparing to a van or truck, hiring a luxury car can cost you several hundred dollars. Additional charges and insurance premiums make these cars further expensive.

Today, it has become quite easier for people to hire a luxury car of their choice by simply turning the yellow pages or searching web websites. You should compare the costs and ascertain that you are making the best deal before opting for the car operator. By negotiation you can bring down the price to a considerable extent.