Better Insurance Rates for Younger People

Most young people are more used to being penalised by insurers for being younger – motor insurers for instance regard younger drivers as a higher risk and therefore charge a higher premium.The biggest part of a travel insurance premium is medical cover, and in this case, younger people are a LOWER RISK because
they are less likely to fall ill abroad and have to be flown home after expensive treatment.However, younger people will often not get cheaper travel insurance – the insurer may use the lower risk to subsidize
the premiums of older travellers or family cover.At Hastings Direct Travel we give lower rates for younger travellers but offer the same high levels of cover.We specially provide our travel insurance is available with following options:UK coverEuropean coverWorldwide coverIndependant travel for adultsCover for you and your partnerCover for your whole familyWintersports coverSki and snowboarding cover (including off piste)Hastings Direct Travel Insurance is provided through Text2Insure Limited, part of the Hastings Insurance Services Group. Text2Insure is an Appointed Representative of Hastings Insurance Services Limited which is authorised and regulated by the Financial Services Authority.Hastings Direct Travel Insurance is authorised and regulated by the Financial Services Authority.Hastings Direct Travel Insurance offers a high level of cover for single trip, annual trip, long stay and ski/snowboard insurancePlease visit our site – http://www.hastingsdirecttravel.comBest regards,

How to Compare Auto Insurance Policies

If you are a car owner, anywhere in the US or the world, the law requires you to hold vehicle insurance. The question, however, is how exactly to choose the right insurance? There is immense competition in the insurance market, which makes it totally baffling for the regular customer. So, what should one know when buying an insurance policy? Should one compare auto insurance policies on the basis of their price, or are there other factors to consider? Well, here is a useful guide to help you.Compare Auto Insurance: Factors to ConsiderWhile price is the foremost criteria for most consumers when selecting an insurance policy, there are many other factors to consider when you compare auto insurance policies:

Service Provider: Select your insurance company judiciously, as insurers’ services are paramount during situations of claims. If the company charges lesser premium, but has a notorious claim settlement history, avoiding the company is the best solution. You can also read expert reviews and user comments on insurance companies’ ratings and their claims services and settlement records.

Coverage: When comparing policies, consider policies with similar coverage. For instance, premiums for two similar-looking policies may be different, because one offers towing and rental car coverage, while the other does not.

Payment: Premium payment may be done monthly, quarterly or annually. Similarly, the mode of payment may range from debit card to electronic checks. Companies may charge lesser premium for annual payments or a certain mode of payments and more premiums for monthly payments. So, enquire about any special discounts or applicable on different payment options.

Service: Enquire about the company’s client and claims services. For instance, whether the company offers round-the-clock or limited hour services, whether they have representatives for claims or it is conducted over phone. You can select the right provider based on your comfort levels.

Compare discounts: Ask service providers about various discounts they offer. Calculate total discount amounts for different policies, and base your decision on the right mix of coverage and great discounts.

Customers can compare auto insurance policies from several top-rated companies at the portal http://www.autoinsurancequote.com. It offers quick, convenient and effective results for all US auto owners, irrespective of their requirements.