Insurance 1.10

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I am Gary Brown, owner of Choice Insurance of Arizona. We are an Arizona Auto Insurance agency that represents a number of “A” rated insurance companies. Our job is to help our clients pay LESS for their insurance.

In 1993 I got licensed as an insurance agent in Arizona. Since that time it has been my pleasure to help hundreds of clients find better rates on their insurance. Our family has lived in Arizona since 1988 and we have raised our family here.

Are you searching for lower rates on your car insurance?

(480) 659-0229
We shop auto insurance with top rated and top ranked insurance companies to help Arizona residents pay LESS. Our insurance shopping service is FREE to you, the consumer. And there is no obligation to get a quote. Call us today for a free, no-obligation quote!

Call us and we will shop & compare rates with top rated and top ranked insurance carriers. We also can help find low cost homeowner insurance.

MetLife
The Hartford
Progressive
Fidelity
Infinity
GMAC
Badger Mutual
ASI
Unitrin
Commerce West
American Commerce
How to save money on your auto insurance
When you contact our company, all you have to do is make ONE phone call. When someone calls us for a quote on their car insurance, we then will shop and compare rates with a number of top rated and well-respected companies to find the lowest rates we can. This quote is FREE to you, the consumer. We do not charge the consumer to shop and compare rates, so call us today! Make one phone call and let us do the rest!!

How are we different from other companies?
Other captive insurance agents can only give you one quote and one rate. They do not shop around to help you find a better rate with a different carrier.

At Choice Insurance of Arizona, our lowest Arizona Auto Insurance rate may be with MetLife, Hartford, Travelers, Progressive, Unitrin, Badger Mutual, Infinity, or other top rated carrier. Our goal is to offer you the LOWEST Arizona auto insurance rate we can find. Other captive agents do not offer this service. Contact us today. Some clients have saved a few hundred dollars. Others have save much more!

What do our clients want?
Our clients ask us for three things, and we try hard to deliver on each:

Good, low rates on their Arizona auto insurance
Great customer service
Advice from their agent

Do we offer other insurance?
Yes!

We can help with your homeowner insurance, rental property insurance, vacation home insurance, life insurance, business insurance and can insure your RV, boat, motorcycle and more. Call us for a free, no-obligation quote to save money. Feel free to visit Choice Insurance of Arizona for more information on auto and homeowner insurance. As an independent insurance agent and broker our whole goal is to help you find lower rates on your auto and homeowner insurance.

Call our office at (480) 659-0229 to receive a free, no obligation quote.
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The “Fatality Rate per 100 Million” (miles traveled) for motorcycle riders has nearly doubled from 22.73 to 39.89 fatalities per 100 million miles traveled this was during the period of 1997 to 2004. The number of miles mentioned above may include many Iowans, because riding motorcycles is a popular hobby for many people in Iowa and the Midwest. There are numerous events during the summer time that involve motorcycle riders.

To put it into numbers, there has been over a 30% increase in motorcycle sales since 2001. All those sales equal more motorcycle related accidents. What are even more alarming are the accidents, with the increase in sales, there are more accidents which have caused motorcycle related deaths to jump up by 50%! That’s huge… that’s over 4,700 deaths in the US by just motorcycle accidents alone.

According to the National Highway Traffic Safety Administration, motorcyclists are roughly 35 times more likely to be killed in accidents than automobile drivers, especially during the first year of owning a bike because of experience.

Statistically, if you ride a motorcycle then you have about a 50% chance of being in a motorcycle accident during your lifetime. Each year almost 100 Iowans are killed and hundreds are seriously injured in motorcycle accidents.

Unfortunately, many of these accidents are caused by drivers with little or no insurance. What many Iowans do not know is that Iowa law only requires a person to have $20,000 in insurance coverage for bodily injuries. Given the rising costs of medical care, that number barely covers a trip to the hospital and follow-up medical care. Statistics tell us that about 12% of Iowans have no car insurance and we estimate that another 60% of Iowans do not have enough. What happens if you are involved in a motorcycle accident caused by one of these drivers, sustains serious injuries, has a pile of medical bills and cannot return to work?

What can be done to protect you and your family from these irresponsible and uninsured drivers? The insurance companies probably have not told you and won’t tell you. Many Iowans don’t know what uninsured and underinsured motorist insurance coverage is. Unisured and underinsured motorist insurance is the only motorcycle insurance that can protect you and your family for injuries caused by a motorcycle accident. Our survey of the leading motorcycle insurance companies shows that for most Iowa drivers the difference between providing $20,000 and $500,000 in coverage is less than a dollar per day. Isn’t it worth protecting your family?

How much coverage do you have to protect you and your family? Our experience is that most Iowans don’t know. A new FREE special report entitled “How to Buy Motorcycle Insurance to Protect You and Your Family” is an Insider’s look into motorcycle insurance. To request your copy at no cost go to http://www.IowaInjuryBook.com or call 1-800-707-2552 and enter ext. 919. You can call anytime, 24 hours a day, 7 days a week.

Author: Corey Walker
Article Source: EzineArticles.com
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A lot of blokes don’t know any of these queer little tips and tricks for lowering the cost of your Harley motorbike insurance. Everyone knows about keeping a clear driving record and owning a less expensive, smaller machine. But these unusual tips may surprise you.

Get Kinky: Handcuff Your Bike

Insurers often give discounts to policy holders that have an alarm, disc lock or store their motorbikes in a garage at night. Saving money on your Harley motorbike insurance should be reason enough, but add to that the safety of your beautiful beast and it becomes difficult to argue against such a precaution.

If your motorbike is kept locked tight and safe, the insurer need not worry about possibly paying out the cost of a new bike should yours be stolen.

Thank You Ma’am May I Have Another? Go Back To School

You can reduce the rates on your Harley motorbike insurance by taking riding safety courses. When shopping for your Harley motorbike insurance be sure to ask how much you would save by taking such a course. A small bit of time spent reviewing the basics can never hurt, can it?

If you have taken a safety course the insurer will classify you as a safer driver and give you a better price.

Three’s Company; Multiple Driver Discount Party

If you have a young rider with points on their record then you will have to pay more. If you are a younger rider and able to put an older person on the policy that has no recent violations, then you could benefit from a lower rate. Adding an adult relative with an excellent driving record is your best bet for lowering the rate on your Harley motorbike insurance.

Use this knowledge to your advantage and calculate in advance who should be included on the policy and who needs to be left off.

Lonely Hearts: Ride Your Bike Less Often

Another factor used to judge you is how many kilometres you ride your motorbike each year. If you ride many, then you have a higher risk of having an accident. Insurers will want to know if your motorbike is your sole means of transportation, primary means of transportation or merely a recreational vehicle.

Leave the lady lonely, and you will likely lower the price of your premiums on your Harley motorbike insurance. (This is a terrible idea!)

Pay “A Pimp Named Slickback” Up Front: Pay for Your Insurance Annually

Paying for your Harley motorbike insurance monthly is a feature that costs you more. Not everybody can afford this option. You can often pay for a 6 month policy upfront and build up your reserves for the next 6 months during that time.

If you can afford to do so, you should pay for your entire policy annually or semi annually.

Wrap It Up Before You Rev It Up: Ride Safe

Keep your eyes and mind aware of what’s going on around you. Expect a vehicle to pull out in front of you at every possible opportunity. Always wear your protective gear and avoid accidents if you can.

Having an accident or making a claim for damages will usually cause your Harley motorbike insurance rate to go up.

The best places I’ve found to get affordable Harley motorbike insurance have been online. When I was about to get my 2007 Honda CBR 1000rr, I ran into a road block due to insurance prices. It was that feeling you get when you are just about to get something you really want, only to have it swiped away from you at the last moment. The prices I was getting quoted for Harley motorbike insurance were crazy high!

If it wasn’t for a trick I stumbled upon, I wouldn’t have been able to get this bike. Read more about my experience here http://www.comparehondamotorbikeinsurance.com

Author: Wesley Swatlovski
Article Source: EzineArticles.com
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There are some insurance companies that specialise in providing cover for motorbikes and you will probably get a better deal from that type of company. One of the main problems that bikers face is the fact that bike riders are about 30 percent more likely to be involved in an accident than other drivers.

When you realise that a good number of riders who are involved in accidents are also uninsured, it makes sense to look for the best cover for your bike.

Don’t just choose the first company you find that specialises in motorbike cover, you should always shop around when you are looking for insurance. When you find the right company you will see that they charge far less than a mainstream company would charge for full cover, especially if you are a learner or newly qualified biker.

When you are looking for motorbike insurance you need to give the insurance agent as much detail as possible about your bike, where it is kept, and where you do most of the riding as all of these things play a part in the cost of your premiums. The information that you give to a company will help them to decide how much of an insurance risk you are and what implications that has for the cost of your cover.

What type of bike you ride will play a part in the cost of your cover. If you ride a new, powerful bike or a classic bike, this will add to the cost of your premium. Where your motorbike is stored overnight is important, particularly if you live in an area where there are a high number of vehicle thefts that result in more claims. Whether you realise it or not, your postcode plays a big part in the cost of your premiums. If you live in a high risk area where your bike is parked on the street then you should be prepared for higher premiums than a friend who has their bike locked in a garage overnight.

If your bike has modifications then you need to tell the company what these are, modified bikes often result in higher premiums. Don’t make any changes to your bike without notifying your insurer. If you have drastically changed your bike to update its look or make it more powerful and you are involved in an accident, the insurance company may not honour your claim. The levels of cover for a motorbike are the same as they would be for a car, third party, third party fire and theft and fully comprehensive.

Fully comprehensive is the most expensive type of cover. Third party only covers the other driver if there is an accident and you are at fault, with third party fire and theft the same applies but you are covered if your bike is stolen or if it is damaged by fire. A fully comprehensive policy for your motorbike covers your costs and vehicle replacement as well as that of the other driver. Although comprehensive cover is the most expensive, it is the best motorbike insurance to be had.

For further information regarding motorbike insurance visit http://www.swinton.co.uk/motor/motorcycle/

Author: Charlotte J Wilson
Article Source: EzineArticles.com
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CAR Insurance
Existence, it seems, is one continuous cycle of spending. Mortgage, council tax, gas bills, pensions, road duty, TV licence, telephone expenses, MOTs. The list seems limitless. It’s a wonder that we’ve got any money remaining for the things that we enjoy.The majority of the bills we have to pay don’t leave all of us with any choice;

it’s a set charge and non-negotiable. But there are some things that we have a degree of control of.And, thankfully, motor insurance is merely one of those things. By looking around the plethora of different companies and

policies that are offered you should be able to get a deal breaker to suit your budget.

Nevertheless you can also get ways of saving a little bit more cash and ensuring yourself extra cheap car insurance policy deal. And Duck2Water Car Insurance Services have exposed how to do it, betraying a few industry secrets to give you the low-down on bagging some cheap car insurance.

Start off by clearing all the old junk from the garage, making enough room to squeeze your car in. An automobile parked in a garage is so much less likely to be stolen or vandalised than one left on the street and a car insurance company will recognise this, offering a significant discount.

In case there’s no garage available then the driveway still beats the street but do make sure that you get hold of a decent steering lock and, if at all possible, invest in an immobiliser too.

Arrange to go on an superior driving course where you will a new few extra little skills. It may seem to be a large hassle, particularly if you have just passed your test, but motor insurance companies put a major value on courses such as Move Plus, and therefore you should save a few extra pennies. In addition, you will learn some valuable traveling skills that are definitely proceeding to come in helpful somewhere down the line.

However much discount most likely going to be able to negotiate, your car insurance is still going to cost a reasonable bit. It’s tempting to spread the price of the repayment out over the course of a year, but if possible, try and pay it all beforehand. Most motor insurance businesses charge a fairly high interest rate, so if you really can’t afford to pay the lump total, see if you can be lent the money more cheaply someplace else.

If the car is getting on a little, consider buying third gathering, fire and theft cover rather than fully comprehensive. In case you drive a little of a heap then think about whether your car or truck is worth the extra high quality you pay to get it comprehensively covered. You’ll still be insured against any damage that you cause to another vehicle or person and you will receive the whole value of your car whether it happens to get stolen or burnt out.

Shop around for a quote; don’t just buy from the first company you come across. Try different combinations of options that are available to see what the best price you can get is. And when you do find a cheap automobile insurance quote that you think seems good, tell another company and give them the opportunity to undercut the price. After all, they’re desperate for your business and thus should be willing to knock off a few pounds to possess your custom.

The majority of importantly, is included with car insurance online. High street insurance coverage businesses aren’t worth coping with as they will not have a chance of matching an internet quote. A good online firm, on the other hands, has got lower overheads so can afford to cut the price right down and give you a bargain.

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When people need motorcycle insurance their natural instinct is to go for the most affordable motorcycle insurance that they can find. Fact is you need to look for all the options, it needs to be affordable, but also need to cover all you need. There is nothing more disturbing when you are in an accident that the cheap motorcycle insurance you took does not cover all expenses. It is important that you understand your options so you can make the right choice and there is no need to suffer from those overpriced premiums.

Getting the right quotes is the first step to find affordable motorcycle insurance, it means you need to ask some different motorcycle insurance companies for the rates that they are able to offer you and what they cover.

Before these companies can come up with a quote for you they need to know a few things before they can do so, they need at a minimum your driving record, age, experience and gender. A driving ticket you received last year was meaningless at the time but it can have an serious effect on your driving record and there is noting you can do about it, if you have not such a good driving record they will offer you a higher premium and this makes it more difficult to find a real affordable motorcycle insurance.

Things to keep in mind

If paying high premiums is really a problem for you, we have a few tips to keep the premium to an absolute minimum. The first tip is that not just your own records count but also the kind of bike you buy. In general the more sporty and expensive your bike is the more expensive the premium for the insurance will be. So, if you buy a new bike keep the insurance cost in consideration. Sometimes its better to buy a different motorcycle if you want to keep the reoccurring costs to a minimum.

The next tip is for those of you who own more than one vehicle, if you own more motorcycles, cars or RVs it is smart to insure all the vehicles with one and the same insurer. If you insure more than one vehicle with the same company they will almost always offer you a discount and this is something you should really take advantage of if you own more than one vehicle.

Our third and last tip is to profit from the internet quotes, the best you can do these days is to go online and go to one of the more popular free car and motorcycle insurance quote websites, here you can immediately compare the rates of more than one company at once. The only thing you need to do is to compare the offers do a online check about the company of your choice and make a final decision. And with the motorcycle season just beginning this is the right time to start looking for the most affordable motorcycle insurance you can find. If you decide to go with a less known, familiar insurance company, you need to make sure that you know exactly what your insurance covers and read the fine print before you sign anything.

Author: Frank Strider
Article Source: EzineArticles.com
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A car is all very good and nice. But a motorcycle is always a cheaper and more entertaining option. But because you are spending quite a lot of money on it, always make sure that your motorcycle is insured. Ensure that you have the liability insurance – which is a legal compulsion to help others if an accident occurs. But, don’t forget to protect your own self by insuring the bike against robbery, damage and accidents. Here are some methods you might adopt to find the right insurance for your bike:-

Look around

Never go along with the very first scheme that you might come across. There is sure to be a more profitable scheme somewhere else. Make sure that you put in a lot of research, because at the end of the day, it is you who will reap the benefits of a lower rate of insurance. Surfing the net is a good way to collect information. Contact the provider to sort out the details of any scheme you might find interesting. But remember to get everything in black and white. A verbal assurance over the phone does not mean anything really.

Motorcycle Insurance Discounts

The longer and safer you drive, the more are your chances of obtaining a lower rate of premium. Sometimes, you might also be offered lower rate schemes if you take up defensive rising or training programs. Some other methods of getting a discount on the premium are:-

1. Supplementing your existing insurance policies (like householder’s policy) with the motorcycle insurance policy.

2. When you purchase a bike, always consider the safety of the bike before you get into the fancy looks department. Almost all major insurance companies cover only the costs of basic factory components of a bike.

3. A popular brand helps you in getting a lower premium. That is because spare parts of a bike from a well-known company are readily available in the market.

4. Take care of your bike’s safety against robbery. Use good locks and always keep it in a safe place or garage at nights.

5. In the northern parts of the country there exist an idea called the ‘lay up’. This means that during winter some parts of the insurance policy are not considered.

6. Being a member of a state or national motorcycle organizations gives you benefits as well. It ensures that you get lower premium rates almost all the time.

Your Bike’s Value

The main thing to consider is to not splurge on your bike’s insurance. Remember that even expensive insurance policies will not give you more than your bike’s worth in case of any calamity. Also, when you calculate and figure out how much you have to pay at the end of the day, do not forget to take into account the depreciation of money. Remember to add any extra improvisations you might have done on your bike. Take pictures so that, if need arises, you have a concrete proof of the condition of your bike.

Safety

Last but not the least, please drive safely. An unblemished driving record will not only protect you from bodily harm, it might also ensure a dip in your rates of insurance. The ideal situation would be to have insurance but to not have to use it. So set your mind free of worries with the right kind of insurance and ride safe to enjoy many wonderful miles on your prized motorcycle.

Shop and Compare Insurance Motorcycle Quotes and compare motorcycle insurance quotes online for free by visiting www.insurancemotorcyclequote.com.

Author: Sasha Jade
Article Source: EzineArticles.com
Provided by: Mobile device news
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So you bought a motorbike. Whether used or new, it is your new baby and you need to make sure you get a great deal on your Suzuki motorbike insurance to make sure you have protected your sweet new ride.

The best way to do this is to look for your bike insurance quote online and find a great website that will do the comparison for you. Make sure you do extensive research on the company and policies before you choose one. Mostly this process is the same as finding car insurance, but there are a few motorbike specific factors to keep in mind.

The first thing you must consider when searching and researching your Suzuki motorbike insurance policies and companies, you must think about what kind of coverage you need and want. Some policies only cover theft and accidents. But a better choice for your Suzuki motorbike insurance would be a comprehensive policy that includes third party and other aspects and risks of owning a bike. If you are uncertain, there are tons of great articles online that can help you understand the differences between the various policies.

Upon determining the level of cover you need, take some time to research completely and find the companies that offer the kinds of policies you desire. Many online sites are not terribly user friendly, and you will need to review much small print to determine if the policy is what you are looking for. Also check to see the length of time the company has been in service. This is less of an issue with bigger well known companies, but if you go with any Suzuki motorbike insurance company that you are not terribly familiar with, you will want to be sure and really know with whom you are dealing.

Read as many comments and reviews that you can find about the company from which you think you wool dike to purchase your Suzuki motorbike insurance. You can also ask around in forums to determine what the current temperature is toward the company you are investigating. This is a great way to get a feel for their reliability.

Once you have decided on the company, you can likely get an instant only quote. This is fast and easy through many comparison sites available. Be sure to carefully read every single word of the policy, especially the fine print!

It is important to know that the greater your interest and investment in standard safety measures, the lower your Suzuki motorbike insurance premiums will likely be. They will often ask you if you wear full riding gear such as helmet and jacket when you ride. They may also ask where the bike is kept at night and what sort of locking or security you utilise. You want to be able to honestly answer “yes” to every safety and security question you are asked.

Also, always try to pay you Suzkuki motorbike insurance in one lump sum once a year. This will significantly lower your premiums and save you tons of money.

The best places I’ve found for getting quotes have been online. When I was about to get my 2007 Honda CBR 1000rr, I ran into a road block due to insurance prices. It was that feeling you get when you are just about to get something you really want, only to have it swiped away from you at the last moment. The prices I was getting quoted for Suzuki motorbike insurance were crazy high!

If it wasn’t for a trick I stumbled upon, I wouldn’t have been able to get this bike. Read more about my experience here http://www.comparehondamotorbikeinsurance.com

Author: Wesley Swatlovski
Article Source: EzineArticles.com
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In terms of buying insurance plan, lots of people tend to clam up, believing that it is just gonna be excessive stress. The thing is although, you are able to actually ensure that you are getting the best insurance plan probable and never have to invest lots of time doing the work. It is possible to have the coverage you’ll need and never have to spend a lot of money at the same time, as long as you are taking the correct steps.

One thing for you to do should be to make sure that for those who have existing coverage you are carrying on with to spend which. Do not let that will coverage to get rid of with regard to non-payment, while you plan to opt for an additional business. Enabling a lapse in coverage will certainly injure an individual. A few organizations will simply explain how they don’t want to do business along. Others might still use a person, but they will substantially increase your prices. Nor of those scenarios are stuff you would wish to deal with.

You will also intend to make without doubt you take a little bit of time for you to carefully review of your current policy. You need to just be sure you are generally examining to determine if yourrrve been carrying the top insurance on your predicament. It could be a shock, however , you might just discover that you really have been under-covered by insurance to get a period of time. Therefore you had been placing on your own from potential risk every time an individual took your bike out and about. When you have evaluated just what insurance one has had, you may then need to check out one other options you might have. You wish to make sure that you are becoming the best level of insurance. Please remember, there is certainly such a thing while over insured. Why pay for far more deal with than you need?

Once you discover the exact sort of motorcycle insurance which you are required and need, you’re next likely to intend to make sure you happen to be looking around to get the best costs. It is extremely important to just be sure you are performing your best to ensure that you are receiving the best charges and they are the best charges coming from companies you can trust. Even though an organization is giving you the very best charges feasible, it ought to necessarily mean absolutely nothing to a person when they have a poor history of not paying in boasts as well as treating their potential customers just like garbage.

With a little study on-line, you will discover that we now have a lot of insurance firms that one could obtain totally free estimates by way of. Ensure that you are utilizing the net to acquire as many no cost quotations as you can because may be the best way you are going to ensure that you are becoming the best selection probable. And also as you may buy online at any time for the day as well as night, you ought to have not a problem finding the time for it to receive the best motorcycle insurance to your requirements. Before very long, you may be insured and will also be able to relaxation in harmony if you know there is an greatest deal with possible. Checkout more other useful reviews related to banfield pet insurance, cheap pet insurance and veterinary pet insurance

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