Excellent Ways to Find the Best Auto Insurance Quote for You
9:26 AM | 
Posted by
onlineinsurance If you are reading this article I assume you have previous experience regarding getting a car loan. Maybe you have applied to few big names and been rejected due to credit score. Maybe you even applied to few bad credit or subprime lenders but still been turned down due to a lack of credit, after all your frustrations you are ready to give up getting a new car. Just wait a second, there is an option for you if your credit score is really bad. There is few car loan providers located in the Toronto area who is willing to offer you no credit check car loans. These loans are funded privately, usually the dealerships or the owners themselves. No credit check required means no credit check required literally. The only requirement they will have is for a small amount of down payment usually less than $500.
If you are bumping into wall after wall trying to get approved the traditional way, maybe it is time for you to step back and take a good look at your financial and personal situation. If you need a vehicle badly enough for work or family, there is no other choice out there other than no credit check car loans. These loans are usually been lend out at a higher interest rate, but the plus side to the story is you can actually regain credit score through these loans. With good repayment history, your credit score can rise over time. And pretty soon you would be able to negotiate on terms such as the selling price of the vehicle or the annual interest rate and so on.
So the next time you are been turned down due to your credit history, don't give up your search yet. Just apply to a different loan source and you will be approved for a car loan without a credit check.
(ArticlesBase SC #2830048)
If you are bumping into wall after wall trying to get approved the traditional way, maybe it is time for you to step back and take a good look at your financial and personal situation. If you need a vehicle badly enough for work or family, there is no other choice out there other than no credit check car loans. These loans are usually been lend out at a higher interest rate, but the plus side to the story is you can actually regain credit score through these loans. With good repayment history, your credit score can rise over time. And pretty soon you would be able to negotiate on terms such as the selling price of the vehicle or the annual interest rate and so on.
So the next time you are been turned down due to your credit history, don't give up your search yet. Just apply to a different loan source and you will be approved for a car loan without a credit check.
(ArticlesBase SC #2830048)
Thursday, May 20, 2010
5 Excellent Ways to Find the Best Auto Insurance Quote for You
Times are tough and now more than ever you need to ensure that the money you spend is really worth it. Sadly, one of the things that people try to cut on when money is tight is auto insurance (or any type of insurance for that matter). However, this is the very last thing you should do.No one ever knows when accidents occur and should you ever find yourself on a road accident where you are at fault, car insurance can save you from financial ruin. So no, don’t scrimp on vehicle insurance. However, there are ways when you can get the best auto insurance rate that can save you literally thousands of dollars down the road. Following are some of these tips.
Work on a having a good driving history.
Insurance companies are taking a risk on your driving habits. As such, if you have a good driving track record, then chances of you getting in a road accident (and ergo chances of the insurance company needing to make a payout) are slim. So, good driving record = better car insurance rates.
Know your credit score. Your credit score is one of the things an insurer takes into consideration when figuring out the auto insurance quote to give you. If your credit score is bad, this means your finances are not good, which means you’re a big risk for the insurance company, which in turn means you get a high car insurance rate.
What a lot of people don’t realize is that there are often mistakes in one’s credit score! The best thing to do here is for you to know your credit score NOW and fix any erroneous entries by getting in touch with credit report companies to get these mistakes out and thus improve your credit score. In the end, a good credit score = better car insurance rates!
Read auto insurance reviews online and learn from other people’s experience! With your good driving record history and better credit score in hand it’s time to seek the best car insurance providers. The best way to find these providers is to learn from the experience of others. A great place to be better informed is to visit AutoInsuranceReviewer.com (AIR).
AIR is third-party site where thousands of people just like you sign up and post their own personal reviews of car insurance providers they’ve dealt with. The review criteria for each vehicle insurance company are: Extent of Coverage, Claims, Customer Service, and Car Insurance Cost.
After short-listing your potential car insurance providers, don’t ring them all up as that takes a lot of time. Instead, check out car insurance quote sites online where you can fill out your details once and have the site submit your information to your chosen car insurance providers. Let THEM do the work of getting your business!
Take higher deductibles. If you can afford it, opt to pay a higher deductible (the amount you need to pay the auto insurance company before they pay any claims) than normal. It may be steep at the start but this means paying lower monthly premiums too, which in the long run means more savings for you.
Go ahead and be cheeky… ask for a discount! Nowadays, there are plenty of discounts that can be had on car insurance (e.g., low mileage drivers, presence of anti-theft gadgets in the car, car-poolers, etc.) but in many cases you do have to ask for them! So go ahead and ask! Hey, it’s your money, right?
Subscribe to:
Post Comments (Atom)
1 comments:
Excellent post. I have been also rejected by many carrier because of the credit score. I do have improved it and is now in search of an auto insurance policy that will save me a nice amount and is also best in all aspects. The tips that are listed above are really promising and I will do follow them. Thanks for this great share.
liability insurance
Post a Comment