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One of the greatest thrills in life is saving money. Doesn’t it give you satisfaction when you see the hefty total for your groceries fall substantially once your coupons are scanned? It’s like winning a prize! Saving money is fun... and in this economy, every penny counts!

What makes matters even more rewarding is when you’re saving money on a product or service that is actually superior in the market. Let’s make that statement a little bit more concrete and perhaps even more relevant to your current situation.

If you are in the market for low cost but high quality car history and title reports, then instaVIN is without a doubt your source. Headquartered in San Diego, California and successfully thriving in business for over five years, instaVIN offers their clients an extensive list of products and services that have made a substantial impact on their purchase decisions. Let’s examine just one instaVIN review of many to help illustrate this point:



This review was provided by the website, SalvageReseller.com and is just one of the many reviews that express complete satisfaction with instaVIN’s products and services. One of the greatest things that instaVIN prides themselves on is the fact that they only charge their clients rock bottom prices. For just $2.99, customers can download an extensive salvage and VIN check report.

This report will be comprised of over 22 vehicle specifications and full junk, salvage and total loss data. In addition, for just $4.00 more, you can receive a full car history report that not only includes what has already been mentioned, but it will also be made up of:

• Title Information – current, additional and title brand information
• Odometer Information – date reported, mileage, problems reported and data source
• Other Information – date, event, location and other pertinent facts


Become another enthusiastic instaVIN review by saving money and receiving up-to-date, real time car facts right now.

Whether you are a dealer with the goal to increase your front line sales or a buyer that is only looking to find the best deal possible on a used vehicle, instaVIN will be the one company you can rely on.

Call them today to get started at 858-454-6782 and visit them on their website, www.instavin.com. Make the right choice today and choose instaVIN!

We all want a new car some more than others and for many this means finance with many of us paying too much for the finance as we did not shop about before we purchased the car so here is some useful information to help you save money on your car finance payments.

Before you go and look for a new car set your budget and go window shopping as it is called but never commit to buy at this stage.

Find between 4-6 cars that you like and would purchase if you had the money within budget of course. Also remember that there are millions of cars to choose from so do not be pressured into a sale at this point.

Find out the trade in value being offered for your existing vehicle from the garages you have selected the 4-6 cars from and then check what they are offering against what you can from a website such as we buy any car and compare the difference you may find you will get more from the website than what the garage is offering you which will save you even more money as your deposit will become bigger.

Next look online for the amount you need to borrow as using comparison websites can generally save you money on what the garage will offer you and what your bank will offer you. The difference can be substantial over the term of the loan so it is important to check these things.

Next you need to decide what insurances you need with your new car and these can include

GAP insurance
 
Generally this will cover any difference in the outstanding finance to the car value in the event the car is written off

Car Insurance
 
Always get insurance quotes using comparison websites as this can save you a lot of money each year

Protection Insurance
 
Sometimes called payment protection insurance which will make your finance payments in case you become ill have an accident and can’t work or are made redundant but always check the small print of these types of policies and shop about online if you decide you need this cover.

By following the above you could save hundreds if not thousands of pounds on your new car purchase so it is well worth doing and may be the difference between you changing your new car every 3 years instead of every 5 years because your payments and the amount you are paying back is far less.

Good luck with your new car hunting and happy motoring I hope this has been of some help to you.

If you are a classic car owner, regular auto insurance will not suffice in meeting your needs.  Compare classic car insurance to regular car insurance and you will find that regular car insurance rates will be higher.  Classic car insurance rates are significantly lower.  This really has to do with the fact that they are driven much less therefore the risk is less.

One of the big differences when comparing classic car insurance and regular auto insurance is the way in which they determine the value of a vehicle.  Since typically, vehicles depreciate in value over time, traditional auto insurance companies use a downward scale when determining value.  This is not the case for classic cars however. 

Well-kept classic cars tend to appreciate in value so this must be taken into consideration.  Because of this, most classic car insurance policies have an agreed upon value.  This value is agreed upon by both the owner and insurer.  This can also be called a guaranteed value by some insurance policies.  If an accident happens and there is a total loss, a regular auto insurance company would not award the actual value of the vehicle.

Next, certain qualifications must be met by both the driver and vehicle in order to qualify for classic car insurance.  The car and driver must both meet certain age requirements.  For the car, it must fall into the guidelines the individual insurance company has set.  This is usually at least 15 years for some collector cars and at least 25 years for classics.  Normally the driver has to be a minimum of 25 years of age with a clean driving history in order to be insured. 

A classic vehicle cannot be your everyday mode of transportation.  Millage restrictions will be put into place that typically only allow for trips to and from a car show or parade and a few leisurely drives each year.  You will also find this stipulation on cars that obtain historic license plates that are available in many states. 

The classic car will also have to be kept in a secure storage location such as a garage. The vehicle must be protected from the elements and street, driveway and car port parking just doesn’t allow for this.   If the car is considered valuable, often requirements will be put in place for extra security and fire protection such as sprinklers.  As you might already have realized, these are not requirements that a regular auto insurance company requires.

Another area to look at when you compare classic car insurance verses regular auto insurance is the way in which classic car insurance claims are handled.   When filing a claim would you rather speak directly to a company representative or insurance adjustor or is this a task that they have outsourced possibly to someone with less than stellar customer service skills and an inadequate knowledge base when it comes to classic cars. 

If a repair needs to be made, a regular car insurance company is not going to take the time to make sure and find a mechanic shop that specializes in classic cars. 

They will typically want to get the car fixed for the least amount of money in the quickest amount of time. 

Hagerty Classic Car Insurance is one company that has specialists on hand to help locate car parts and the right mechanic to complete the repairs.  Since the company specializes and only deals with classic and collector vehicles, they are able to offer more services specifically geared towards a classic car enthusiast taste.  Hagerty also offers online valuation tools which can be especially helpful in determing the amount to insure a classic car for.  There are not any other well know companies in the USA that provide the services along with the knowledge base that Hagerty gives its classic car customers.

Are you looking for classic car insurance?  This article will offer information on some of the top classic car insurance companies their specialties are classic cars.  Many owners and agents are classic car owners and collectors themselves and will understand the importance and pride that you take in your own classic car. 

When comparing different companies and quotes, you will want to look at the different services that are offered as well as industry and customer classic car insurance reviews.

Hagerty Classic Car Insurance

The Hagerty family began the company in 1984 because they felt sufficient coverage was not available for classic boats.  They eventually added classic car insurance into their business.  The company has now grown from a small family owned business to a national corporation. 

They offer unique services and benefits like specialists on standby to not only answer your insurance related questions, but also discuss different legislation that might affect the classic vehicles and give advice on repairs for your car.  Hagerty also offers publications which include an in-house published magazine promoting the classic world, and a pricing guide on post-war collector cars.  Another great feature is their online valuation tools.

Grundy Classic Car Insurance

Gundy is a full service auto insurance company that offers coverage for almost anything you can think of to insure.  They were the first company to insure antique vehicles 65 years ago and offer value agreed policies in case of a complete loss and single liability charge that covers a collector’s entire collection instead of having to pur.

American Collector Car Insurance

Another well know classic car insurance company is American Collector. They specialize in providing insurance for classic and collector vehicles with over 30 years of experience.  They provide fee online quotes and also the option to buy and manage policies online.  Another extra service or policy that they provide is their TLC plan. 

If you purchase this extra coverage, they reimburse expenses related to towing and roadside assistance.  In the event that you are left stranded 50 miles from home, this coverage also includes reimbursement for lodging and meals for up to five days. 

Another perk of this plan is if you were to break down on the way to a car show and miss it but have already paid a non-refundable fee, they will reimburse you for this expense.  If your car is ever stolen or vandalized, with this plan, personal items that were in the vehicle as well as the vehicle itself are protected.

There are three levels of coverage that the TLC plan offers silver, gold and platinum.
All three of the above listed top classic car insurance companies offer agreed upon value when writing classic car insurance policies. 

This is an important aspect to consider when insuring you classic car.  Most cars depreciate every year and that is something regular auto insurance companies that into consideration, but it is just the opposite when it comes to classic cars. 

With this in mind, you should know that if going with a traditional auto insurance policy, you will not receive the actual value that you feel your car is worth in the event of a complete loss.  Something else you will also want to be vigilant about is increasing the value amount of you classic car every few years. 

Classic car insurance tends to be less expensive than regular auto insurance but does place restrictions on the car.  There will an allotted amount of miles that the car can be driven each year as well as requirements for the storage of the vehicle.  It has to be protected from the elements. 

Most companies require the driver to be at least 25 years old with a clean driving record.
All three of these top classic car insurance companies specialize in providing unique services to its special clientele.  Traditional auto insurance for your cherished classic car is just not sufficient. 

When you go with an insurance company that specializes in classic cars, you will find a knowledgeable staff with the expertise needed and willingness to go above and beyond in finding parts and the perfect mechanic in the event your car is in need of repairs. 

Any of these top classic car insurance companies will provide the coverage that you need, but you will want to find which company offers the services that best meet your needs and take advantage of those.  Remember when paying for insurance, you are paying for service.

The best place to look for a classic car insurance quote would be online since most traditional car insurance companies do not insure classic cars properly. If you have a classic car that is not your main mode of transportation and kept in a protected location such as a garage than this vehicle is a perfect candidate for classic auto insurance.  

Finding affordable classic car insurance can be a little time consuming because you will want to shop around to find the best rates and service.  Coming to an agreement with an insurance company as to what the classic car’s value is in case of a complete loss is the toughest part of finding classic car insurance, but you will want a policy where the value is agreed upon not just assessed by the insurer.  Finding a classic car insurer is actually more cost efficient than just going with a regular, every day auto insurance.

When getting classic car insurance quotes online, first you will need to determine if your car classifies as such.  Your cars age is not the only determining factor in whether is considered classic or not.  Of course cars made between the years 1925 and 1948 are qualified as classic cars by the Classic Car Club of America, but even cars that are only 15 years old can be considered classics by different insurers.  This can also differ according to geographical location.  Another disqualifier would if the car is used for commercial reasons.

The second area that will need to be looked at thoroughly is the covered value of the vehicle. This will be determined by comparing your vehicle to other similar vehicles.  Since classic cars tend to appreciate instead of depreciate in value, the coverage amount will need to reflect these changes.  You should periodically review the value of your policy and make adjustments as needed.  When looking for the right classic car insurance policy take a look at the classic car insurance quote to see if a deductible will be required if it is necessary to make a claim.  Often times you will find that with classic care insurance there is no deductible but the full value amount will be awarded if there is a total loss.

There are a few other things that you should look for in classic car insurance quotes when selecting determining the right one for you.  Road side assistance could be an important feature that you might have to take advantage of occasionally.  Liability insurance is also a suggestion when you are a member of a club and will be around other classic cars.  You will want to know if any damage that occurs at car shows will be covered as well as coverage during any restoration period exists.  If you are planning to enter into car shows out of state or overseas, you will want to make sure that your classic car will be insured during shipment.

If you are adding to you classic car collection, just like traditional insurance, if you purchase a new classic car it will be covered for 30 days.  It is important to double check this on any classic car insurance policy that you select.

Classic car insurance rates are lower because they are not driven every day.  Insurers will often set restrictions on the number of miles that the car can be driven each year.  Some companies will even offer flexible rates based on the number of miles driven each year.  Conditions can be placed on the car as well, especially when it comes to the storage location.  If the car is considered valuable, security measures will have to be in place as well as fire protection such as sprinklers.

Now that you know what you are looking for in classic auto insurance based on the needs of your situation and the requirements your car meets, where can you find an affordable classic car insurance quotes?  Since you can’t simply call a regular car insurance company, you will want to try and get several classic car insurance quotes online.  Performing an internet search for specialty companies that focus on classic cars should lead you to people who understand classic cars and are probably owners and collectors themselves.  Many companies offer free quotes available online.  Although cost should be factor, it should not be the decision maker.  Finding an insurer that is knowledgeable with great customer service and efficient claims handling should also be major considerations.

Many insurance companies offer free classic car insurance quotes online.  You can gather several quotes to not only compare pricing but other services that insurance companies offer classic car owners.

When comparing classic car insurance, pricing is not the only determining factor.  Sure a classic car insurance quote may come back at a fabulously low price, but when you are buying insurance you are buying a service therefore you want to ensure what you receive is great quality. 

will want to compare classic car insurance by not only the quotes given, but industry and customer reviews also.

One of the main things to look at when selecting the policy that is right for you is the way the company decides on the value of the vehicle to be insured. 

More modern cars tend to depreciate in value and traditional insurance companies take this into account.  For a classic car that retains its value and even appreciates, you will want to select a policy in which the value is agreed upon by both the owner and insurance company.  This will ensure that in case of a total loss, you will receive the entire value of the vehicle when a claim is paid out.

One way to compare classic car insurance companies is with hypothetical situations to understand how they handle claims, payments and other important aspects of protecting you vehicle.  Finding out how claims are processed is also an aspect that you will want to explore. 

Will you be waiting weeks for a payment or is the company efficient, promising payment is just a few business days? 

Does a classic car insurance company require you to only use a mechanic from their approved list, or will you be given the option to use your trusted personal mechanic.

What are the millage limitations and storage requirements that each insurance company places on your classic car?

Comparing other services offered can also help you make the best decision.  There will be standard services such as road side assistance, liability coverage, and coverage when your car is being transported.  Companies can also other benefits and incentives that might lure you to go with them such as no deductibles and flexible rate plans according to mileage accumulated each year.

Some insurance companies that specialize in classic cars offer unique services that traditional car insurance companies just don’t have the knowledge to.  Hagerty Classic Car Insurance even publishes its own magazine that promotes different classic cars and boats along with their owners. 

They also offer customer service representatives that you can speak with to not only answer insurance related questions, but provide support on legislative issues affecting classic car owners and repair suggestions.  Another unique feature is the online valuation tools that you can use to help determine your car’s worth. 

This is especially helpful when coming up with the amount to insure a vehicle for.
Car insurance rates in New Jersey are the second highest rates in the USA.  It is a densely populated state which makes accidents more likely. Rates in New Jersey are governed by driving and credit records.  If you are exemplary in both of these areas, you rates will be less expensive.   

There are several agencies in New Jersey that offer quotes online as well as nationwide classic car insurance companies that of course service New Jersey.  Plymouth Rock Assurance is a New Jersey based car insurance company that offers classic car insurance quotes online.

Florida is another state with a lot of people looking for classic car insurance.  This could be because of the number of retirees that reside in the state and have taken to car collecting as a hobby.  A simple online search will yield several company websites that allow you to receive classic car insurance quotes online, some in as little as 90 seconds. Heacock Classic Car Insurance Company is a Florida based insurance agency that offers free online quotes.

Classic car insurance in Ireland follows many of the same standards that it does in the USA.  There are multiple companies that will give free classic car quotes online.  In Ireland, most classic cars are exempt from the compulsory NCT test that is required every three years manufactured after 1980 although you should make sure that your car is always safe for the roadways.  A classic car that is in good, well-kept condition will almost always receive a better insurance rate. 

Here are a few Ireland insurance companies that offer classic car insurance: Classic & Collectable Club Insurance Ltd, Carole Nash, Axa Insurance, First Ireland, O'Riordan Insurances, Cork, Brophy & Co Insurances Ltd.

No matter where you reside, you will want to get different classic car insurance quotes online and compare the quotes and companies to ensure that you are not only getting the best rate, but the services that fit your needs for the money that you are paying.

Vintage, Classic and Antique car insurance are all covered under the same type of insurance policy which is commonly known as classic car insurance. There is a distinction however in the classification of the three types of vehicles.

 The age and year manufactured will determine which category that your vehicle falls into. An antique car was manufactured before 1903.

A vintage car falls into the range of 1903 and 1933 manufacture dates, and a classic car is considered any vehicle over thirty-five years old. The vehicles market value and condition will both play a more important role than the car’s age or classification in determining an insurance quote. Many insurance companies offer free auto insurance quotes online. You can find these with a simple search. However, if you are not having a lot of luck you may want to try alternative keywords to vintage car insurance such as classic car insurance, collector’s car insurance, and antique car insurance.

 Many sites offer insurance quotes online in as little as 90 seconds. Insurance companies will also place some restrictions on the car. There will only be an allotted amount of miles, typically around 2,5000, the car will be permitted to be driven over a one year period. Some companies do offer plans that allow for flexible rates based on the millage accrued for the year.

Classic car insurance rates are traditionally lower because they are not out on the street being driven around every day and therefore at less risk of being in an accident. Classic car owners also tend to take better care if not meticulous car of their cherished possessions. Insurance policies often require the owner’s to keep the vehicle in a secure and protected location such as a garage. When dealing with a valuable vehicle additional requirement such as increased security and fire protection will have to be in place.

 There are a few qualifications the owner and drivers will need to meet in order to qualify for vintage or classic car insurance.

First all drivers need to be a minimum of 25 years old and will also have to have a clean driving record. When examining different insurance quotes that you receive online, you will want to look for and find a policy that is the value is agreed upon by both the owner and insurer. In the case that something happens to your classic car, you will want to receive the full value that you feel you vehicle is worth.

Traditional car insurance depreciates the value of a vehicle each year, which is truthfully what happens to standard everyday vehicles. However when you are talking about a classic care the opposite is what actually happens. Classic, vintage and antique cars all appreciate in value overtime if the right care and maintenance is made in order to keep them in top notch standards.

There are many companies that specialize in classic car insurance. Many of the company owners and agents are themselves classic car lovers and collectors. They are able to offer a higher level of expertise than a traditional auto insurance company because of their knowledge base.

They understand the importance and care that you put into you classic car and will help to find the best parts and services needed in the event of accident or repairs need to be made. Some insurance companies such as Hagerty specialize only in classic vehicles and boats.

They are active in legislation that affects vintage car owners and even have specialists on hand to discuss these issues with you. Another aspect that you will need to look into when review any quotes that you receive are the different times that your car will still be covered but may not be physically driven. This could something such as a restoration period or during shipment out of state or overseas.

Many insurers also sell a liability coverage that can is only one fee but covers all of your vehicles. This is something that you will want to take advantage of if you are a collector and have multiple cars that require vintage car insurance. In the end when you buy any type of insurance, you are buying a service.

You will want to make sure that company that you eventually select to protect you can handle your needs and provide exemplary services when needed. Finding the right vintage car insurance will take time, but you will want to shop around to ensure that you receive in the end will protect you in the case of a complete loss.