A comparison website took a profile of a 32-year-old male driving a Ford Mondeo LX living in London with the maximum no-claims bonus and investigated how the premiums he was quoted changed based on his profession. The results were staggering.

What a difference a job makes

The research found that premiums can differ by as much as £850 simply by switching job.

For example, if the driver was a footballer, he would be quoted £1,348 for annual cover. However, if the same driver was a secretary he would only have to pay out £501 a year – that’s a difference of £847.

The top 15 most expensive professions for car insurance were revealed to be: footballer; comedian; stunt man; fortune teller; circus employee; minicab driver; journalist on the National Press; builder; firewood merchant; cleaner; bee keeper; mechanic; driving instructor; bin man; and telephone sales.

By contrast, the top 15 cheapest professions for car insurance according to the study are: secretary; police officer; computer consultant; paramedic; bank manager; doctor; lawyer; teacher; fireman; nun; geographer; naturalist; office worker; chauffeur; underwriter.

Why are there such differing premiums?

Insurers take into account all aspects of a customer’s lifestyle when considering premiums. A profession can say a lot about a person and also about the way they drive.

Footballers appear to be tagged with the ‘boy racer’ image. As they are generally well-paid they often drive high performance cars which are more powerful and can be driven at faster speeds. Comedians tend to be on the road a lot, travelling from town to town – as do circus employees and fortune tellers. Minicab drivers and driving instructors clearly have professions that require them to be on the road regularly.

Obviously, the more time spent on the road the more likely you are to be involved in an accident.

How to cut premiums whatever your job

It’s unlikely you’ll want to change your job to save money on your premiums – but there are steps you can take to slash your costs.

Look at how you describe your job. For example if you work for the National Press you naturally give an insurer the impression that you are travelling at fast speeds trying to catch the latest story. However, in reality you may be an editor who simply commutes to and from work twice a day. So think about your job description and how it affects your costs.

Also make sure you’re getting a good deal on your car insurance to begin with. Use a comparison website to find cheap car insurance.

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There are so many ways that you can use to keep your auto insurance rates down and some of them you can use at the same time as other discounts to maximize your savings.

Here are some things that you can ask your auto insurance company for:

- Ask if you can receive a discount if you have more than one type of insurance with their company. For instance, you may find that you can have your auto insurance and your homeowner’s insurance with this company and they will provide you with a combined discount. Carry all of your insurance policies with them, such as auto, home, and life and you may find that you can get even more money off.

- If the driver of the car is a student or is listed as a driver on the car, you may find that you can get a good student discount. This is where the student maintains at least a B average on their report card. You may be required to take that report card to the automobile insurance company each time it comes out, but it really pays off. If grades go down, the discount may disappear until the grades go back up.

- See if there are any safe driver discounts available. When you haven’t had a ticket or an accident, you may find that there are discounts available for you.

- If you are a senior citizen and you’ve not had any accidents in a specific amount of time, there may be discounts available to you.

- You can always raise your deductible to cheaper car insurance premium online from auto insurer. However, you need to keep in mind that doing so will result in a higher out-of-pocket expense if an accident does occur. The standard deductible is $500, but some individuals will go as high as $2,000 to save some money on their premium. If you can pay $2,000 if an accident occurs, then that will work fine. Just make sure your deductible is not higher than what you can afford in case damage is done to your car and you need to pay it.

- You may wish to shop around. You may find a company that offers the same coverage for a lower price. You always want to compare before you make a commitment.

You want to use all of these tips so that you can save yourself quite a bit of money.

How you can compare auto insurance quotes online?

When finding the right company to do business with, it is very important that you compare. You can do this by calling companies and recording the different rates that they quote you. You can also do this by going to their websites and filling out the forms on their websites to receive quotes for the auto insurance you want. This allows you to compare in a much easier way. Take all of that information and make an informed decision.

Willie James is a car insurance expert of CAR INSURANCE NEWS agency. His job is to analyze online auto insurance company’s information and publish different reviews for Federal Insurance Bureu (FIB) in Moscow, Russia. His hobbies are organic synthesis in chemistry laboratory and styding a psychodelic plants like Salvia Divinorum (Shalfey) and another entheogens and exotic plants.

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Here are a few ways you can find the right insurance and get the best deal possible:

#1 Understand Your Needs:
In order to get the best deal out there it’s important to know what you need from your policy. Obviously you have to have everything the law requires, but try to take this a step further. If you travel a lot then it’s a good idea to get more cover since you will have more of a risk involved. Leisure drivers might only need something standard.

It’s a good idea to write everything down first. This way you don’t miss anything along the way. What it comes down to is the more organized your needs are the easier it will be to find all the necessities in the insurance plan.

#2 Take Your Search Online:
Today’s world offers thousands of websites that cater to insurance. There is so much competition out there it might be a little difficult to find the right fit. Then again; there are more opportunities at your disposal. We definitely recommend utilising the Internet as the main source for your next motorcar cover. Britons quickly learn that there are other benefits surrounding the online world as well.

One of the easier ways to find an insurance plan is by using a comparison site. This is geared to search several different companies and find the best deal. The policies are based upon all the information that is provided in the beginning. This means it’s important to understand your needs (tip 1), and then make sure it’s submitted correctly to the comparison site. A few minutes later there will be quotes available.

#3 Getting the Discounts:
Remember earlier when we talked about all the competition surrounding cover agencies on the Internet? Well thanks to all of it, there are sites out there offering discounts just for purchasing a policy online. The actual amounts vary depending on the companies, but it’s just another reason why online policies are the best option. They allow you to find cheap car insurance and still have an effective plan.

Another option for additional savings would be to check out each individual website that the comparison site provided. Often there are personalised discounts for loyalty. Plus, the majority of them should offer some sort of discount if you aren’t filing claims.

Individuals who are able to figure out exactly what they want and then go find it on the Internet will benefit the most. We have no doubt that you will find cheap car insurance for any vehicle if you take advantage of the tips we’ve given you here today.

For further information regarding cheap car insurance visit Swinton one of the UK’s leading insurance companies.

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You will suffer emergency breakdown, consistent disappointments, wasteful spending on repairs, you high your risk of accidents, place your life and other road users in danger and you may have to pay more for your insurance.

Yes. The more uncared for your car is, increases the rate of risk, especially accidents, fire incident,and expensive maintenance cost. So, your insurer must make you provide the cost to settle the claims when you come calling, by making you pay more.

Every insurance providers is cautious of high risk policy seekers, if not, they will run at a loss.

So ensure, you have a good attitude towards the state of your car. Arm yourself with a competent mechanic, and a reliable place to source for your spare parts when you need to replace a part, or more.

Motor vehicle is a combination of several systems, namely, fuel, ignition, lubrication, braking and clutch, steering and suspension, cooling, and other units that make it work. Any part of these unit systems that develops fault, it directly affects other areas.

Therefore, you need to make sure that all units are performing to the optimum.
Unfortunately, not many auto owners, especially female and younger drivers understand the intricacies in the body parts of a vehicle.

This is the reason you need to get a good and honest mechanic,who will be available anytime your car needs working on. Please, don’t form the habit of using any mechanic you see. Too many cooks spoil the soup. Keep a mechanic who knows the history of your automobile, it helps so much to keep it in perfect shape. Apart from this, loyalty to a mechanic can afford you free services sometimes.

A good mechanic is okay, but if he works with a fake spare parts, his competency will be in question. Therefore, do not fail to get a source to get only original parts for your automobile, and look out for places that can offer you discount as often as possible to help you save cost.

Car maintenance comes with lots of benefits, namely

It prolongs the life of your car.

It helps you enjoy your car to the fullest

It makes driving pleasurable

It reduces the rate of faults and breakdowns

It reduces the rate of accidents

It keeps your car in good shape and helps reduce your insurance cost

It keeps you the owner alive

Your vehicle maintenance should not be compromised. It’s to your own advantage. You can rely on comprehensive site online to source for all your auto need.

Henry Chukwueke is a mechanical engineer, content writer and publisher on Auto insurance, Auto Security and other Auto related topics. To know more http://www.easybuyautoinsurance.com or http://www.autoinsurance-guru.blogspot.com

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First, you have to set your parameters to get an optimal rate. Depending on what levels of insurance you require, you can get a great rate. If you are solely concerned about the rate and are not worried about how deeply you are protected, then you want to go with the minimum levels of protection allowed by state law. The main factors are personal injury protection, comprehensive, collision, property damage, uninsured motorist protection, and your deductible.

Collision refers to the coverage of your vehicle that is involved in an accident. If you have an old vehicle that is not worth much, then you can forgo collision. In some cases in a year you could probably save more from not paying collision than what your car is worth. Comprehensive covers the vehicle in instances not involving an accident, for example vandalism, fire and theft. Again, if your car is not worth much, then you can omit comprehensive from your policy to get a cheap car insurance quote.

Liability covers cost related to bodily injury (personal injury protection) and property damage when the accident is caused by the insured person. In almost all states this is required. If you are a very careful driver and are never in accidents, you can minimize this type of protection to get a better insurance rate. To get a cheap car insurance quote, go with the state minimum, or try levels of 50,000 or 100,000 to give yourself a little bit of peace of mind.

Uninsured motorist protection covers you in the case you are in an accident caused by someone who doesn’t carry insurance. This is something you do want to include as accidents involving uninsured people happens more often than most think. If you are injured in this scenario, It’s good to have this protection. When getting a quote, set limits for uninsured at 100,000 and 300,000 and compare the rates. The higher limit gives you the peace of mind of you sustained bodily injury from an uninsured motorist.

To ensure you get a cheap car insurance quote, check with a few of the major companies like Geico, Unitran, and Progressive. Also avoid add ons to the quote like roadside assistance and personal property. You can start with the bare minimum levels and work up until you reach a protection level and a rate you are happy with.

You can get more tips on finding a cheap car insurance quote at http://motorvehicleinsurancequote.org/.

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You can also access websites that can give you quotes from different companies by filling out just one form. This simplifies the work because you can get quotes from several companies from only one website instead of getting quotes from individual companies one at a time. The insurance industry had to come up with lower premiums and higher discounts simply because the prospective policyholder is now in a position to know what the competition is offering.

But for those who would go the extra mile to get the best deal possible, there are chat rooms where one can find out what other policyholders have to say about different insurance companies based on the policyholders’ experience. What you learn from these chat rooms can be very useful in your quest for the best provider who can give you the most affordable rates. You can also check out how trustworthy a company is and how good their service is in the event that a policyholder needs to file a claim. The proof of the pudding, after all, is in the way the insurance company processes a claim, including the length of time it takes them to complete it. If a company fails to give quality service when it counts the most, it doesn’t matter if it is charging the lowest rates.

Many people tend to pick an older and better-known company in the belief that it would give better service. Aware of this, the smaller and newer companies are aggressively trying to prove themselves by exerting more effort in providing the best possible assistance when their policyholders need it. For this reason, comparison shopping is your best line of attack when looking for auto insurance. You have to consider other factors apart from the cost of the coverage. These include its policyholders’ experience with the company, their level of satisfaction when a claim is filed, and how well the company has helped them with losses they may have sustained.

In sum, comparison shopping empowers you to make the best informed decision possible with regard to the choice of an auto insurance provider.

Insurance9.net offer customers information, tips and car insurance quotes online. If You are looking affordable auto insurance visit http://www.insurance9.net for getting how it done.

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Education is the secret to finding the cheapest car insurance in Seattle.  The more you know about Seattle and how local insurers rate the city on their “risk” scale, then the more likely you can secure better rates.  Consider the average work commute time in Seattle, which is 24.8 minutes.  If your commute time is shorter or if you work from home or are a stay-home parent, your car insurance may be significantly less than someone with a long daily commute.

If you live in an area where car crashes are frequent, this can also affect your car insurance premium.  Seattle, for instance, reported 20 deadly automobile crashes in 2007, involving 26 automobiles and 47 people.  This number seems low for such a large city, but another factor is how many car thefts there are in your area.  Seattle had a whopping 5,782 automobile thefts in 2007!  And the top stolen vehicles in Washington state included the 1992 Honda Accord, the 1994 Acura Integra, the 1993 Saturn SL, the 1995 Honda Civic and the 1989 Toyota Camry.  So it’s wise to choose a car that is less likely to be stolen if you want cheaper auto insurance.

Other statistics to consider are nationwide studies on how well certain vehicles can sustain an impact.  Providers will consider the potential damages and personal injury risk for your automobile.  If you’re getting ready to buy a new vehicle, research how the car/truck fares in crash tests so you can view the automobile through the eyes of your insurer.

Washington State Car Insurance

Washington state’s car insurance premiums are generally above the national average, so it’s wise to compare quotes from multiple Seattle providers.  The minimum car insurance you’ll have to purchase (according to WA law) is $25,000 (per individual) and $50,000 (per accident) for Bodily Injury Liability, and $10,000 for Property Damage insurance.  Keep in mind that Seattle motorists fall under the state’s Tort requirements, meaning if you are found at fault in an accident, then you must be responsible for any repairs or injuries that result.

Other types of car insurance to consider for more complete coverage include uninsured/underinsured motorist, collision, comprehensive, towing and rental car insurance.  These are not required by law, but can provide peace of mind if you own an expensive vehicle or if you still owe a balance on a car loan.

Seattle car insurance providers will consider your driving history, whether or not you’ve had driver safety training, your financial credit score, age, marital status, the number of drivers and automobiles in your home, etc. to determine your rate quote. Thankfully, you don’t have to call or visit each company to obtain quotes.  You can now visit an online quote comparison site to compare auto insurance rates at no charge.  This can save hours of research and give you a bird’s eye view of what local Seattle providers can offer.  Be sure to check rates with a higher deductible…this can sometimes lower the premium drastically.

Give online quote comparisons a chance, and discover the secret of cheap car insurance in Seattle!

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In finding cheaper car insurance, the internet provides a big help since the internet can help you save money and time.

How can you find cheap car insurance in the internet? A lot of websites today have comparison of car insurance quotes that you wouldn’t normally find in your neighborhood and or in other places. The internet can also help you by giving out lists of insurance companies that offer low cost car insurance and with good coverage. It will also give you the benefit of knowing small insurance companies that offer low cost insurance policies which are not yet widely known to other people.

Upon discovering the different insurance companies that offer good rates you can precede to the next step in finding the best offer for auto insurance quotes online.

The next step will be regarding the compilation of list and looking up records. After collecting insurance quotes from the internet you will be able to compare all the quotes and at the same time you can also check on their reputation as insurance policy providers.

The internet is also a good source of state records of all insurance companies wherein you will be able to know which insurance company to trust and not to trust. If you are not content with what you can see online you can also contact a few body shops that have experience with insurance companies. Some insurers have a really bad reputation for paying up late and the last thing you want is to have to wait to get your car back because your insurer will not pay up.

There are many body shops that have their own website and they will also advertise some insurance companies that they are affiliated with or they benefit from. All of this information can be found online so you won’t have to go from one place to another and save time and money.

Doing this will save you time and will help you to find the cheapest and best insurer without having to pick up the phone when you can get an auto insurance quotes online.

Here is the best resource for Cheaper Auto Insurance just click here to save on your insurance.

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2. Insurers Store around All. use different formulas for calculating the insurance premium by adding or subtracting money each question after question about you.By Shopping can be found at big savings on their insurance premium.

3. Buy products.Most insurance companies also do other insurance products ie ‘Building and contents insurance. Most insurance companies offer additional discounts for buying more than one product, doing this can save a fair amount of all insurance premiums.

4. Paying insurance premiums paid by go.By their insurance premium as a whole can avoid paying onerous interest rates that would be added if you paid your insurance premium insurance companies can charge up instalments.Some 15% APR on instalments.You may even receive a discount for payment in full If. It cannot afford to pay in full check what kind of a small loan can still save some money.Fill a loan application in line.

5. Excess Your. Increase your voluntary excess is the amount paid by you in the event of a claim, increasing the your insurance company should reduce your premium.

6. Lower your annual mileage. Lowering can reduce your annual premium, most insurance companies will quote you for around 12,000 miles per annum. Try and find out how many miles you will do if it is probably less can get a discount. Be honest about this as your insurance company may ask to see old MOT and service history to verify mileage in the event of an accident.

7. Have an alarm, immobilizer or fitted.Theft Tracker their vehicle and play an important role in calculating your insurance premium.Having an alarm or immobilizer equipped will give you a small discount to your premium and with a tracker fitted could make him a Big savings.

8. Take the advanced driving test Passing. its advanced driving test will show your insurance company that has the extra skill when driving and are less likely to be involved in an accident.

9. Do not inflate the value of a car. Adding added value to your car when you request your insurance quote will do nothing for you, apart from increasing premium. In the event that your vehicle is stolen or canceled, only pay the value market your vehicle at the time of his accident.

10.Look after rating Insurance. credit companies are now looking at your credit score as part of calculating your insurance premium.Maintaining a good credit rating could avoid unnecessary additions to your premium.

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Set a Budget

One of the most important aspects of saving money is to set a budget and track your expenses. An easy way to do this is to simply grab a sheet of blank paper or open up Microsoft Excel on your home computer and list your expenses. After you’ve listed your expenses, put them into categories and then set a budget by going through each expense, looking for ways to cut back on unnecessary expenditures. After you’ve set your budget, make sure you track it and report and record how you did at the end of the month. Follow this simple system, and make wise investments, and you’ll be surprised at how much your saving will grow.

Use Security Features

Many insurance providers give unique discounts to drivers who install and use security features on their vehicles. For example, if you decide to install a security alarm on your vehicle, or use other devises such as a wheel lock, you might quality for a discount.

Purchase an Individual Policy

When looking for the best policy and coverage, a great potential way to save some extra cash is by purchasing an individual policy specifically for you. It’s no big secret that women can often obtain cheaper car insurance then men. By having a specific policy just you, some car insurance providers may offer you a lower rate.

Empower Yourself! Find Cheap Car Insurance for women by obtaining quotes from top providers for FREE! You can do it all with the simple click of a button: http://www.freecarinsurancequote4u.com

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