Insurance Sample Cancellation Letter, Auto Insurance, Home Insurance, Life Insurance, Car Insurance

Are you paying too much for your car insurance, life insurance or homeowners insurance? Is your private health insurance company over-charging you? Do you have speeding tickets or a previous accident that is skyrocketing your insurance rates?

Did you know that you have the legal right to cancel your insurance at any time during the policy period? However, this must be done in writing. This is because when you signed up for insurance, you actually signed a legal contract. So in order to make it legal you must write a formal letter. You have to follow proper Automobile Insurance rules.

Survival Insurance is dedicated to providing the best cheap California Auto Insurance around for just this reason. And in this economy you can definitely use better rates.

The good news is that you can cancel your current policy in a few short steps. I’ll show you how to write an Insurance Sample Cancellation Letter for Auto Insurance, Home Insurance, Life Insurance and health Insurance.

(You can also call Survival Insurance for any further questions or to get a free quote at 1-800-Survival)

STEP 1:

Call your insurance company to get the correct address of for the cancellation department.

STEP 2:

Write a letter such as this:
____________________________________________________________

“(Date)

(Insurance Company Name) Cancellation Department
(Insurance Company Address)
(Company City, State, Zip Code)

Re: Policy Number:#____________ Cancellation.

Dear Cancellation Department,

I am sending you this written notice to request cancellation of my insurance policy effective (date you plan to cancel). I would appreciate you sending me written confirmation within 30 days that the cancellation has been put into effect. Please refund the unused portion of my policy premium, and cease charging my bank account for payments of monthly premium.

Thanks you for your prompt action on this matter.

Sincerely,

(Your name and signature)”
(Your Address)
(Your City, State, Zip)
____________________________________________________________

STEP 3:

Do a proofread and verify spelling or any errors in your letter.

STEP 4:

Keep a copy of your letter for your records and for legal purposes if needed.

STEP 5:

Send the letter by certified mail and keep a copy of the note proving it was received.

NOTE:

You must be the policy holder in order to cancel. There may be a cancel fee in your contract.

I started Survival Insurance to provide the best cheap California Auto Insurance around. And we are the only company that provides a low price guarantee in writing. You won’t find this with other insurance companies, such as State Farm Insurance, Allstate Insurance, progressive Insurance , aaa auto insurance or farmers Insurance. In fact I ask you to go ahead and shop around, then give Survival a call and they’ll beat your deal at 1800 Survival or visit our official site for a free online insurance quote to get the best cheap auto insurance rates.

Some may think it risky writing an article such as this, but I am confident that Survival will match your expectations. We offer the highest satisfaction and lowest rates.

Richard Acunto
CEO Survival Insurance

Why Its Easy to Save Cash on Car Insurance

Auto insurance can be tricky. Just when you think you’re saving money, there’s always a better offer. But, if youre not actively seeking to save money on discount auto insurance, youre going to lose in the long run. That’s how it’s been, and that’s how it’s always going to remain. Comparing auto insurance quotes online is an easy process that doesnt take that much time at all. Yet, if youve never tried it out before, you wont have a clue how easy saving money can be.

The first thing youll be required to do–to save some cash on your insurance–is to start looking online. With a suitable site, you can find quotes and services that you wouldn’t normally know about. There are tons and tons of websites out there that will help you compare quotes with relative ease, and theyre not hard to seek out, either. It’s faster and easier than you think, so don’t be lazy. You’ll save tons of time by looking online, in addition to cheaper insurance rates.

What’s great is that you can save on other types of insurance. You can compare quotes on things like health and life insurance, too, so if you want just to save on any coverage you have, its definitely possible. Comparing quotes doesnt take time, either. You won’t have to do all of this by on your own, either, and that’s great–you’ll save tons of time. Some of these sites only take a short while, that’s all. So the single thing you really have to do is wanting to save money in the first place–and, in most cases, thats what youll end up doing.

You don’t have to endure high premiums if you never want to. You wont have to pay them when you find the best deal. And that’s an excellent option for anyone that doesn’t like paying high rates. By looking a little bit harder, you’ll be able to find a good deal. It’s never been easier in this particular case. So take some time, and actually look for your good deal. Its not hard when you compare quotes, especially with a website that does everything you, and youll find that discount car insurance has never been easier to locate before.

What is Car Insurance and How Does it Work

Car insurance is a policy that is purchased for cars to provide financial protection against physical damage or bodily injury from an accident or against liability that can occur from accidents. It is also known as auto insurance and can be purchased for private cars, trucks, public motor vehicles as well as motorcycles. Most car insurance will cover medical fees for the insured party, physical damage for insured vehicle, theft, fire and damages caused for third party insurance. Some insurance companies also offer to pay the cost to rent a vehicle if yours is damaged and the cost of towing the damaged vehicle to a repair facility.

Regulations on Insurance

Insurance policies vary in legal regulations in different areas, but for most places, it is compulsory to insure cars before using and getting them on the road as this is normally related to both the car and the driver. The most common known car insurances are: the compulsory third party insurance which mainly covers personal injury and liability, with it is also a comprehensive cover that covers damage to someone else, property, or the vehicle, as well as your own and a third party insurance that seeks to recover damage to other properties or vehicles, but not yours. In addition to this, are other car insurance companies like private car insurance, which is mainly for private cars and commercial car insurance, which is for trucks.

Variances in Insurance Policies

Usually, for most car insurance policies there are flexible contributions paid each time a car is repaired with charges billed to insurance policy and are referred as excess and payments are done directly to the accident repair when the owner collects the car. One of such excess contribution is the compulsory excess where minimum excess payments are given to the insurer and the voluntary excess which is an extra amount above the compulsory excess to be paid in the event of claim on policy.

How can I Save Money on Car Insurance

Here discussed are a few things that you could do to save on a few bucks and extract the most value out of your car insurance policy. While you could compare the policy with ease while seeking for information online, you would most likely walk away with better deals too.

Car insurance is something that you can never do without, unless you have decided not to drive your car around for good. With so many risks on the road and with rising costs of inflation, you could possibly not ignore the need to think about saving money on your policy. Here are a few things that you could do to save on a few bucks and extract the most value out of your insurance policy.

Choose your deductibles wisely: We all know what deductibles are, and the way they have an effect on the insurance premium that we end up paying. However, we do not heed much attention to this important aspect when making decisions on insurance coverage. The deductible is not just the money that you would be willing to pay on your own in the event of damage – it is the risk that you are willing to take on your own from the insurer, which would invariably translate into savings. Think through your capacity to pay, your risks on the road, and make a careful decision on deductibles.

Compare insurance: This can never be emphasised enough – in the world of internet and online communication, it has only become so much easier to compare insurance than it was in the days when you just had to make a buying decision without going through all the pieces of information. Even if your idea of insurance coverage is minimal, you could find significant differences in insurance quotes. Shop around and feel the difference.

Buy policy online: There is more to it than just the ease and convenience of doing so – when you buy , you are no longer dealing with the middleman who would invariably charge a commission, leading to a higher premium that you would have to shell out. While you could compare insurance with ease while seeking for information online, you would most likely walk away with better deals too.

Drive safe: It is not just about the health and safety factors involved, nor is it about the security of your family’s future. You get to maintain a good driving record when you drive safe, which would, in turn, reflect in a competitive premium for you.

Choose who goes behind your wheels: It is not a matter of your driving safe alone. If you happen to be in situations where you let others drive your car, make sure they understand the importance of safe driving. The premium on your insurance policy would also reflect the way others drive your car.

Make bulk payments: Irrespective of your insurance coverage, if you are capable of making payments in full, you would be better off doing so, for the simple reason that you would then eliminate the unnecessary charges that come with administering your monthly payments.

Get on low rates along with better feature from different leading companies in India. You can compare and avail better car insurance policy at Easypolicy.

Considering some factors before you buy a Car Insurance policy

If you own a car then you must have auto insurance as it is mandatory as per legal laws. No one is allowed to drive a car without auto insurance. There are lots of companies providing auto insurance to an individual. Thus, an individual faces a challenge to get the best insurance within their budgets. It is a very rational thing for an individual to reap best benefits out of the funds invested and same is with insurance. You demand maximum coverage from your auto insurance policy.

You are required to do proper research including car insurance rates, exploring them and conducting a comparative analysis to buy best car insurance policy for a new car and at the time of car insurance renewal. Generally, we look for cheaper policies which are not the best way to find a suitable policy. A cheaper insurance policy may not always provide you right kind of insurance coverage. There are some factors which must be considered by an individual before buying a motor insurance India policy which are as follows:
Understanding your car insurance needs: The fact that motor insurance is mandatory in India and you must have minimum insurance to fulfill this obligation must not be the reason to buy it. An individual must understand car insurance needs and how it helps in the state of any emergency. A comprehensive policy provides for own car damages, third party vehicle damages along with third party property damages which saves you from financial setback as costs of repairing a vehicle are soaring high these days.
Types of auto coverage: Auto insurance policy for a new car or at the time of car insurance renewal is a collection different types of coverage which an individual needs to understand. Most of the policies provide comprehensive coverage including liability and medical coverage yet there are policies providing least insurance cover to fulfill mandatory clause. There are policies providing third party cover only as well.
Car insurance deductibles: All auto insurance policies have a deductible which is the part of your policy that you are accountable for paying. Auto insurance policies don’t basically take care of all necessary expenditures and you are also required to pay for some of the costs, but the amount depends on your and varies with one insurance policy to other. r.

Compare online quotes of all insurance companies before buying car insurance policy for vehicle. Get the best policy in quick and hassle free.

Price Increases on Car Insurance for Women How to Avoid a Rate Increase

Until the end of 2012, women across the UK were afforded car insurance premiums which were cheaper on average than the policies sold to their male counterparts. Thanks to statistics that suggest female drivers are involved in less accidents, at least before the age of 40, women were sold more budget friendly insurance. However, with the advent of a ban prohibiting insurance companies from factoring gender into insurance rates, if you are a woman in the UK you probably saw a rate increase. If you’ve been bemoaning the higher insurance costs on car insurance for women — here are some ways to bring your rate back down.

Add Security Features to Your Car

Gender was only just one factor considered in the calculation of a car insurance premium. Other details, like how likely your car is to be stolen are also key to determining if you are a high risk driver. If you want to enjoy lower insurance premiums, consider investing in an immobiliser or tracking device for your vehicle. While you will have to pay for this modification up front, you may be able to negotiate a discount from your insurer. You can also have more peace of mind about your car being recovered if it is the target of a successful car theft.

Build a No Claims Bonus

You can build a no claims bonus in as little as one year. Essentially, this bonus gives you a discount off of your monthly bill by simply not filing any claims on your policy. Not all insurers offer this bonus automatically, so always inquire about it when you are deciding on a car insurance policy. You can enjoy significant savings on premium costs with a no claims bonus — as much as 30 percent after a single year. Some insurers will allow you to build your bonus each year, reaching the maximum bonus after five years. Bear in mind that if you do file a claim, you will lose the bonus and your premiums may increase on top of that — exponentially raising your insurance bills.

Lower Your Mileage

The less you drive your car, the more inclined an insurer will be to lower your insurance rate. If your insurance rates are too high, consider incorporating more public transport, ride sharing, and walking into your routine. When you report a lower mileage to your insurer, you appear as a lower risk. Drivers who use their cars for a long daily commute are simply in more situations where they can get into an accident and the insurance company notices. If you are asked to estimate your mileage, be honest but don’t err on the high side.

Bundle with Breakdown Cover

If you’re a woman who doesn’t know her way around changing a flat tyre or inspecting an engine, you may have breakdown cover on your vehicle. This cover steps in when you are stranded on the side of the road in a disabled car and need a technician to attempt roadside repairs or tow your vehicle to a nearby garage. Don’t pay for breakdown cover with a different company than the one that holds your car insurance policy. When you bundle breakdown cover with your regular car insurance policy, you can often get a discount on both insurance policies. The next time you need to renew your car insurance policy, be sure to inquire about adding a breakdown cover to it. Then, of course, cancel other breakdown cover that you are already paying for.

Car insurance for women used to be widely accepted as a cheaper cover than what men were asked to pay. However, since this is no longer the case it’s important to be diligent about seeking out discounts and opportunities to lower monthly bills. By minimizing the use of your car and limiting the number of claims you submit, you can see savings within the year. The next time you’re in the market for a new car, pay attention to insurance groups. Cars with a lower group number are considered to be less costly to repair or replace and often have lower premiums attached to them.

How to Save More Money on Car Insurance for Your Renault

Since most Renault models are modest cars to say the least, if you drive one you’re probably not interested in paying steep insurance fees. The good news is that you can get insurance for your Renault on a relatively low budget, but know that you may have to do some work to earn the best savings. Rather than just sticking with the same insurer you’ve always used, or signing up for a company in the first advert you see, do your research. Taking the time now to evaluate the ways you can save money on car insurance for your Renault may pay off big later.

Take Advantage of Free Insurance Offers

From time to time Renault offers free insurance for a full year on certain models that are purchased new. For example, in 2013 the car manufacturer offered free insurance for a year on all newly purchased Twingo Renaults and certain models of the Clio. You must be between 21 and 70 to take advantage of these insurance offers, and a minimum of three years without claims may be required. Bear in mind that the three years without claims must be immediately preceding the time when you make your purchase. Getting free insurance on your new car not only saves you money for the first year, but it also gives you plenty of time to find a reasonable insurance rate in the future.

Build a No Claims Bonus

If you don’t file a claim for at least a full year with your insurer, you should ask about a no claims bonus. This bonus will be applied to your bill as a discount on your premium. As long as you don’t file a claim, you might save at least 50 percent on your bill. Bear in mind that if you file a claim you will lose the bonus and your premiums may increase. Still, as long as you are not filing any claims this bonus is an easy and significant way to save money on your Renault insurance. You may also be able to pay a nominal amount per year to protect the bonus, so you won’t lose it as long as you file no more than two claims in three years.

Lock Up Your Car

If your car is considered more secure when you’re not driving it, your insurance company is likely to give you a discount on your policy. When your Renault is not in use, specifically overnight, store it in a locked garage whenever possible. Parking on the street makes your car more vulnerable to theft, and it can also be hit by a car or even a rogue stone or falling tree branch. You can receive a discount for securing your car overnight — just be sure to notify your insurance company so you can get the appropriate discount.

Install a Tracking Device

In addition to securing your car overnight, it’s important to secure the car itself. Get a tracking device installed to your Renault, and you could be rewarded financially by your insurance company. A tracking device aids the police when your car is stolen, making it far less likely that you will have to file a total loss claim with your insurance company. This saves your insurer a lot of money, so the company is likely to reward you for having a tracking device in your Renault. To get the maximum discount available, consult with your insurance company prior to installing the device so you know which devices are recommended.

You can save money on car insurance for your Renault a number of ways. Perhaps most importantly, do a lot of research before you sign up for any insurance policy. By making yourself a savvy consumer, you will learn how to maximize discounts and take advantage of special offers like free insurance through Renault. Once you have a good rate, be diligent about maintaining it. Speeding infractions, accidents for which you are liable, and late payments are all ways that you may see a premium rate increase or lose your insurance. Check in with your insurer once a year to see if there are any new discounts that may be applied to your policy.

Car Insurance Quotes Online

Getting Car Insurance quotes nowadays just needs you to have an internet connection.

That is because there are a lot of car insurance companies that are based online, where you are able to get quotes for your car in an effective quick manner. No longer do you have to physically phone the different companies, or worse drive out to see them to find out about the packages that they are offering. What is convenient is that you can get all the different quotes without having to leave your home, which makes it very convenient. From the different quotes you should be able to pick the companies that you want to know more about prior to making your decision. The fact that there are so many companies offering the same service makes it difficult to find the right company that will give you the service that you want. There are however certain things that you can do to get started in getting the car insurance quotes: Take your time searching for the insurance quotes so that you can do your comparisons between the companies properly so that you align yourself in getting the best deal possible.

Car Insurance quotes are based on a number of factors such as:

What kind of car it is, what area do you stay in, where does the car park and other factors. When you are requesting for quotes, make sure that the information that you supply is truthful, complete and accurate. Omitting information will only make the company quote a wrong figure that will be based on lies and you put yourself at risk of not being covered if they find out the truth or if something happens. The sales people who sell car insurance quotes are professionals, and they have been trained to close on sales very effectively. Therefore if you are not careful you can end up taking up a policy without actually realizing it. Make sure that you stick to the purpose of getting quotes so that you are able to compare prices and packages properly. When you get set to start getting those car insurance quotes make sure that you have information readily available.

The information that they will most likely need from you is:

1. They will want your personal details including how long you have been driving for. 2. Vehicle details where they will want to know what type of car it is, what it is, what model it is, what year it is and other information. Once you have gathered a couple of car insurance quotes, make sure that you pick a few that you like. Consider calling these companies to find out more about what they are offering, and weigh everything out to make sure you go with the company that gives you the best deal. Once you make contact with these companies, you need to find out if they have any type of discounts that they are running. Find out if they are prepared to drop the premium based on how long you have been driving for and that you are a very low risk client and see what kind of discounts they offer.

Getting car insurance quotes is very easy…

If you have access to the internet, just make sure that you compare companies and their plans, and choose the one that is best suited to your needs and your pocket.

How to Find Affordable Car Insurance for Your Vauxhall, Even If You’re Unemployed

Car insurance for your Vauxhall isn’t cheap, regardless of how you look at it. However, if you’re unemployed you’ll find that your policy will cost you more than if you had a job. In fact, car insurance policies for someone without a job could cost as much as a third more than a policy for a person with full-time employment.

Shouldn’t the Unemployed Be Paying Less on Car Insurance?

You’d think that insurance companies would be a little more understanding and would give someone without a job a discount on their car insurance. Being unemployed may not be your choice, but your car insurance is still mandatory whether you’re working or not. I

If you have a car, you need insurance. The only time you can get away with not paying insurance premiums is if you’ve declared that it’s off the road via a Statutory off Road Notice (SORN). Without car insurance and a SORN, you could face serious fines or even have your car seized and destroyed. So, whether you have an income or not, you still need to make sure your car is insured.

So, on something that is mandatory by law, you’d expect to be given a break if you happen to be out of work. However, reality isn’t quite like that. Insurers calculate your premiums based on a number of factors, including how old you are, whether you have any convictions, and whether you have a job. Based on statistics, insurers assume someone who is unemployed poses a greater risk than a person with a job.

One factor insurance companies consider when working out your premium is how frequently you drive. They believe that someone who doesn’t have a job will use their car more often because they’re out looking for work. To an insurer, driving more often means a higher likelihood of ending up in an accident, so they charge higher premiums to offset the risk.

Insurers also use general driver profiles when calculating premiums. These profiles show them that a person without a job is likely to be more distracted, which means they might not be as careful while driving. Additionally, unemployed people are more likely to be driving on unfamiliar roads as they head out for job interviews. Again, this means a higher chance of being involved in a crash, which also translates to more expensive premiums.

Insurers also seem to believe that someone who doesn’t have a job is less likely to have enough money to maintain their car properly. A poorly maintained vehicle might suffer break downs that could cause an accident.

On top of everything else, according to their statistics, insurers claim that unemployed people are more likely to file a claim than someone with a job. In fact, people who have been out of work for a long time will not just file more claims, but they’re also more likely to file fraudulent claims.

While most of these arguments cited by insurers are debatable, it really doesn’t matter. Insurance companies use their own statistics to calculate premiums for unemployed people and there’s nothing anyone can do about it. It’s just the way things are. If you don’t have a job your insurance will be more expensive, even if you drive a Vauxhall Vectra, which falls in a car insurance group towards the cheaper end of the scale.

Ways To Save Money On Your 4×4 Car Insurance

Apart from the obvious benefits of a 4×4 if you are often off the roads, it is common knowledge that 4x4s are a safe car to have for a family, this can often make them appealing for a number of people and so they are willing to pay more for a car like this than any other family car.Even though the car costs more there is no reason why you should pay above the odds on your 4×4 car insurance as well, which currently one in three consumers are doing. Nearly fifty percent of all people in the United Kingdom do not bother to compare a number of quotes and 25 percent renew their 4×4 car insurance instantly with the same insurer. There are a number of tips below to help you keep the cost down for your 4×4 car insurance:

Take the time to shop around it is so easy to save hundreds of pounds by taking five minutes to compare quotes online, Cheap Insurance Locator has a specialist 4×4 car insurance quote comparison system to optimize your savings, we compare a number of specialist providers which means you will be more than likely to find one of the cheapest 4×4 car insurance quotes on the internet.

Try and keep only regular drivers on the policy to lower your 4×4 car insurance you can always insure other drivers who use the car less on a day by day basis as and when they need it. Adding other drivers to your 4×4 car insurance will only increase the policy a lot, and will end up costing more in the long run especially if the driver is in a higher risk category than the main driver. Being sure to protect your no claims bonus will also help lower your 4×4 car insurance, with only a small additional cost this is insures you against losing up to a ninety percent discount on your 4×4 car insurance premium. For the extra few pounds it is definitely worth it, in case you do have to make a claim on your insurance at some point.

You can also increase your excess to lower your 4×4 car insurance, meaning you would have to pay more initially for a accident with the car, e.g. 500 pounds, but your premium will be dramatically less, and realistically you will not be claiming on your insurance for any work under 500 pounds as it will increase your 4×4 car insurance quote too much the next year.Another to tip to reduce your 4×4 car insurance is to keep your car in the garage if possible as on street parking also increases your 4×4 car insurance premium, as especially it being a 4×4 you are more likely to get broken into if your car is on the road open for thieves etc to break into, hide it away from temptation, even if it means cleaning out the garage, it will save you money in the long run by reducing your 4×4 car insurance.

If you agree to a set mileage your 4×4 car insurance will be lower, i.e. if you drive 10,000 miles a year less than you are paying for you will save around a hundred pounds a year, a significant amount for a simple calculation. If you take these tips into consideration when it comes to renew your 4×4 car insurance you will be sure to get the most out of it. Remember to check out Cheap Insurance Locator as they specialize in quotes for cheap 4×4 car insurance.