If you’re a Motor Trader you’ll know more than anyone just how price sensitive the automotive industry can be. And as Motor Trade Insurance is likely to be one of your companies biggest outgoings paying the right price for your Motor Trader Insurance is going to be vital.

Whilst the UK has benefited from a pretty stable financial environment in recent years with rising house prices, low interest rates and many companies making money there now maybe signs of a change. During 2006 interest rates rose steadily and with 1 rate rise in 2007 already (and with more forecast as the year progresses) there is every chance that there will be less disposable income in the UK economy.

So what will this mean for consumers and Motor Traders?

Well for consumers it could mean they have less money to spend on new cars, second cars or indeed on the servicing and repair of existing vehicles. There is also every chance that as value for money becomes more of an issue they will shop around to secure the best price and service.

And when Motor Traders Insurance policies come due for renewal there is every chance they too will start looking around to secure the best deal on their Motor Trade Insurance. And if indeed money is an issue it is very easy for companies in the motor industry to opt for the cheapest is best option. After all, isn’t one type of Business Insurance pretty much the same as all the others?

Well for Motor Traders in the UK I would urge you to proceed with caution as whilst low cost motor trade insurance is available from many different insurance providers you don’t want to leave yourself in a position without the right level of cover or the right insurance excess (or deductable).

For many motor traders the best option to take when buying motor trade insurance for the first time or when their current motor trader insurance comes due for renewal would be to consult the services of an insurance broker. An insurance broker who specializes in motor trade insurance can search the market to find you the right cover at the right price so you not only save time – but you also save money.

In the event of you needing to make a claim they can also help you get the claim settled quicker and more favourably. A good insurance broker should give you advice and make sure you only pay for the insurance cover you need and want.

Many would consider auto insurance as an added financial burden. And who would not ? Imagine paying for something that you are not sure if you will ever going to use. The worst thing is, auto insurance is not the product you can choose not to buy.

However, this is not to say that auto insurance is a total financial burden. It only says that there are products like auto insurance that the government imposes you to buy for your own sake even though you do not really like it. Nonetheless, you cannot do anything about it anymore and have to accept it as it should be.

Anyway, if you are ready to buy your next car insurance policy or ready your first car insurance policy, consider buying online. Why? Let us count the reasons…

As stated above, car insurance can be a burden primarily because of its cost. But would it be nice to know that you can certainly lower your car insurance cost using online resources?

Car insurance cost is influenced by many factors. The thing is there are factors you can change in order to lower the cost of your premium. Your car insurance broker may reveal the different ways on how to get cheap car insurance. But, it is always better to know this yourself? And you will know everything you need online.

Whether you are just inquiring or ready to buy your car insurance online, you can be sure that you get price quotes instantly. There are several auto insurance companies that offer free car insurance quotes. Five to ten minutes on each site will give you instant price quotes you need. This speed is not possible if you are doing it the traditional way.

Comparing these quotes will give you the edge on choosing which one is the cheapest (if you are after the price) and which one is the best (if you are after the quality of coverage being offered). You don’t have to wait for several hours, even days, to get a reply via mail. Within seconds, your quotes are already on your screen.

Furthermore, the internet can let you shop from several car insurance companies without leaving your home. It’s simple: you don’t waste your time and energy just to visit and inquire at different car insurance offices scattered across your state. Of course, that is not all. You can also get the ratings of these companies which are essential in your selection process. Here, you can differentiate those that give the right claims and those that are don’t.

You surely can remember the times when you have to pickup your heavy yellow pages and look for specific names for several minutes. Well, that is long been over with the revolution of the internet. You can now easily search for a particular company fast and easy.

Car insurance shopping may be very complicated for some. It may be very complicated for you too. But with the help of the internet, you surely eliminate the hustle of searching, calling, visiting and negotiating with different car insurance companies. Everything you need to know is online.

Think of it this way: you are the shopper; the internet is your car insurance shopping mall and information center you can easily access right at your very fingertips.

>From 1st July 2007 the UK bans smoking in enclosed public places with as many as 600,000 people forecast to quit smoking as a result. This article looks at if charging people to drive will have similar results for the Motor Trade.

In The Beatles classic song Taxman the lyric goes, “We’ll tax your feet”. Whilst the government hasn’t yet decided to do this it seems the introduction of “pay as you drive” schemes may soon be hitting the roads of the UK but what impact (if any) will this have on the UK Motor Trade.

Well there appears to be a few factors that road users might want to consider:

1. If you’re a driver who drives infrequently or at less busy times you could end up paying less. 2. Or you might drive an average number of miles but due to you driving at rush hours (on you way to/from work or school) you will end up paying more money 3. You may want to use public transport more often 4. You and your friends may set up a car pool scheme so you take it in turns to drive 5. If you spend a lot of time on the road travelling to see friends and family maybe you won’t be able to visit them as often as before 6. If you spend time travelling for work maybe you won’t be able to visit customers as much or worse still increased transport costs may mean your less competitive or jobs have to be cut

And what about people in the Motor Trade itself?

If the smoking ban just announced makes people stop smoking then maybe forcing people to pay more to drive will mean people will simply drive less often. Therefore less cars are needed, less people are needed to service and repair them and jobs are lost in the Motor Industry.

Of course these are all what if’s as nobody really knows what impact this decision will have on the transport system, the motor trade or indeed modern life.

If maybe a positive move with a journey to work being halved due to less vehicles on the road. It may mean a change in the opening hours for businesses or schools so not everyone is fighting to get to and from work as the same time as the school run is being done.

It may mean more money is invested in public transport so we have buses, trains, tubes and other forms of transport that are reliable and we’d be happy using.

Or of course it may mean nothing changes apart from the fact that we have less money in our pockets.

If the results of this survey conducted by Northern Counties Insurance Brokers are anything to go by.

People were asked what impact will having to pay per journey have on you?

- 40% said no impact as they couldn’t live without their car

- 13% said they would stop driving altogether

- 6% said they would drive less often

- 21% said they would use public transpoty more often

- 11% said they would car share to cut costs

- 5% said they would walk more often

- 3% said they would still drive as often but at different times

Whatever your thoughts are on the governments new “pay to drive” schemes the chances are it will happen and the impact on the motor trade could be massive

Many companies offer services for car hire in Murica or at the airport. San Javier airport in Murica is located at the northern shore of the Mar Menor. Since 1996, this airport has experienced tremendous growth in flights for tourists. This has resulted in more car hire companies operating in and around the airport.

Car Hire Murica Planning

Consider the size of the car you will need. An economy car is cheaper in terms of rental rates as well as fuel costs. A smaller car will get better gas mileage. If you are travelling with your family or a larger group, you may need a larger vehicle. Otherwise, a compact is a good choice.

Consider insurance when you are planning a car hire. You may have coverage with your car insurance or credit card company. Check with your broker before your tip. If you are already covered, you can save between $5 and $10 per day on your rental costs.

Book in advance for any car hire. You will pay more if you don’t reserve in advance. In addition, your choices may be limited. If you are travelling in the busy season, which is summer, you may not get the car you need. In the very busy weeks, you may not be able to get a car at all.

To hire a car, you will need the proper documentation. Most companies will ask for your driver’s license, proof of insurance and a credit card. Find out in advance which cards are accepted. Many companies have a minimum age requirement for rentals.

Inspect the car before you leave. Take not of any scratches, dents or areas where the paint is chipped. Call these to the attention of the company’s representative. Be sure all damage is noted on the rental agreement. If possible, take pictures with a digital camera to record the damage. You don’t want to be blamed later for damage that was already there when you picked up the car.

Comparing Companies for Car Hire Murica

The rates for the same car can vary considerably from company to company. Compare basic rates and the fees for extras. Some offer all inclusive rental packages, while others charge for extras. These extras can include insurance, mileage, the cost of additional drivers, airport taxes and other fees.

Find out what is included in the price you are quoted. If the company charges a basic rate with add on fees for extras, have the clerk calculate all expenses at the time you are given the quote. This will give you a more reliable comparison.

Get the agreement in writing and be sure to get a confirmation number. You don’t want to go through all the work of comparing prices only to end up paying a higher price later. A quote in writing with a confirmation number for your reservation will help you avoid headaches later.

Compare the cost for picking the car up at the airport or renting in the city. In many cases, there is no real difference in cost. In other cases, you may save money by hiring a car in the city. Most companies will provide transportation to and from the airport. In general, it is cheaper if you pick up and drop off the car in the same location, whether it’s in the city or at the airport.

Compare daily and weekly rates with each company. The weekly rates are often cheaper. If you are staying five days, it may still be less expensive to reserve the car at the weekly rate. You can still return the car early and save money.

Look for coupons or discounts for your car hire. If you book your flight through a travel agent, you may get a discount on a car hire. Organizations such as AAA or travel clubs often offer discounted rates to members. Travel magazines sometimes contain coupons for rental fees. Find and use any discount you can to save money.

Parting with something valuable or dear is not the easiest thing for anyone, and if that thing happens to be your newly purchased dream car, that anxiety can be all the more intolerable.

To make matters worse, if you happen to be relocating, or you bought your car in some other state other than yours, you would actually have to entrust some stranger or some service to transport your car back to you.

To reunite with your beloved car, you must make sure to use the services of a fully licensed and insured car transport company that specializes in transporting cars. Doing thorough research on the various car transporter companies and car transport service before deciding on one will minimize the risk of any damage or mishap to your car:

* Just like any other industry, the auto transport industry is marked by myriad prices and multiple car transport options. Your first task involves choosing the right kind of auto transport. Depending on the value of your car, and how badly you want to lessen the risk of damage, you have the option of an enclosed, open or fabric covered auto transporter to ship your car. The covered trailer type carriers are definitely the safest and costliest options. If you have a tight budget, you can consider transporting your car on the multi-layer carriers used by car dealers. As your car will be just one of many cars of their total cargo, they will charge you less, but your car will still remain protected during shipping nonetheless.

* You also need to decide whether to go with a car transport company or with a car transport broker. A car transport broker typically does not have his own trailer while an auto transport company does. The broker has to make arrangements with the bigger car transport services to transport your car on their trucks. Brokers typically ask for an initial deposit, while the rest of the car transport payment is made, upon safe delivery of your car, to the car transport service that actually shipped your car.

* Insurance is a must if you are considering transporting your car over a long distance. Generally your own auto insurance company covers the car, but sometimes the car transport companies offer a package in which the insurance costs are included. In any case, be clear of what is covered by insurance and what is not.

* It is safest to deal with an auto transport company that does offer a satellite tracking service. Most major transport companies offer this service for free. Keeping a constant tab on the route and the move helps keep you informed every step of the way during the car shipping, and reassured that your car will arrive home safely.

As summer draws to a close, around 10,000 UK bikers start to think about laying up their motor bikes for the winter months. >From the end of October through until Easter, the thought of motor biking is not so appealing and there is little point in taxing and insuring the bike. Bikes are winterised and stored away at the back of the garage awaiting the better weather. Sadly, thieves are aware of this and so some 600 bikes are stolen every month.

Obviously if you have totally cancelled your policy you will be unable to claim for this theft. You can, however, reduce the cover to a minimum for fire and theft and this is worth considering.

If you�re more used to insuring cars than motor bikes, you�ll find some of the features of bike insurance very odd. For instance, it�s not possible to accumulate bonuses over time, as with a car. Occasionally you may find an insurer who will give you some discount if you don�t claim for a certain period with the same insurer, but this is not the norm.

There are various policies. Specified Bike Policy, Specified Rider Policy, Comprehensive and Third Party Insurance. With a specified bike policy you are covering the bike and not the rider. This means you could insure a number of riders on the same bike.

A specified rider policy covers the rider, but not the bike. This means the rider is covered on any motor bike up to the size specified on the policy.

Comprehensive and third party insurance are more familiar terms. Comprehensive is the most expensive. Apart from paying for repairs to the bike in the case of accidental damage, it may offer some extras such as breakdown cover. In the event of a claim, you will only pay the excess as stated on the policy. With third party you simply buy the minimum legal insurance. This means you are covered for any property you may damage or people you might injure. You would not be reimbursed for your bike or anything else and an excess would still be payable. Third party is the cheapest form of insurance.

Younger riders will be charged higher premiums for their policies due to their inexperience and the increased risk of motor cycling. There is a frighteningly high accident rate and statistics tell us they are much more likely to be involved in an accident than more mature riders. Damage caused to themselves is often costly and lifelong.

The more hours spent on the road, the higher the risk and riders using their bikes to travel from one location to another as far as their work is involved will be likely to be charged higher premiums. Claims made in recent years for driving-related accidents will have an adverse effect on your premium too.

Other factors that will influence the premium will be the power and make of the bike. There are some very expensive bikes around and obviously this will mean a higher premium will be charged. If you have any penalties for speeding or dangerous driving your premium will rise and if you were to be disqualified for a length of time, insurance would be extremely expensive when your licence was re-instated.

To try and get the cost of premiums down, consider security devices such as immobilisers, alarms and steering locks. It may also be possible to get discounts for any training courses you have completed.

Be completely honest with your insurance company. Failure to disclose something which the company later discovers can invalidate your insurance. Not only would you not receive payment for any claim, but you could be prosecuted for driving without insurance.

An internet broker will be able to offer you plenty of advice when it comes to choosing an insurer. They�ll find a choice of policies to suit your circumstances and their experience will be invaluable. There are internet-only deals and discounts which they�ll be able to offer too.

Keep insured and safe.

Driver penalty points do not have to pump up your insurance premium - it’s just a question of choosing the right car insurance broker. Whilst some insurers just count points, others are more careful to consider the nature of the offence. QuoteA counts a great many ‘convicted’ motorists amongst their clients - because they take the nature of their conviction into account when offering car insurance of the best value to a client. [PRWEB Apr 10, 2005]