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How Do I Choose an Auto Insurer?

Everyone that owns and operates a motor vehicle needs auto insurance. There are so many auto insurance companies out there today and all of them claim to have the best rates and the best service. With so many choices, how do you go about really finding out which auto insurance company is right for you? A little investigation can go a long way in helping you select the best insurance company, saving you money and headaches in the future. If you need your auto insurance to work for you and provide coverage in the event of an accident thenchoosing an auto insurance company is about more than just finding the cheapest rate.
If you are in the market for auto insurance, it is wise to gather information about the potential insurers you are considering. Some of the information you will want can be obtained easily online, for example, though it is not the only consideration, you are going to want to get some quotes from auto insurance companies. For most insurance companies this can be done by filing out a form online.

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High Risk Auto Insurance

What is meant by "High Risk Auto Insurance"?
Many people have less than perfect driving records. The General® specializes in providing coverage for those drivers who are considered "high risk." How do you know if you're considered a "high risk" driver?
If you've had your license suspended or revoked and requires an
SR-22 policy for reinstatement. The Registry of Motor Vehicles in your state will notify you if you require an SR-22 policy. The General® can help you acquire the proper documentation for reinstatement online within minutes.
If you are 70 years old or older. While some insurers view you as "high risk," The General® views you as an experienced driver who deserves an affordable auto insurance policy.
If you are 20 years old or younger. Again, while other insurers view you as "high risk," The General® believes you deserve a fair auto insurance quote and we won't penalize you because of your age. Instead, we'll work to customize a policy that fits your insurance needs and your budget- low cost auto insurance made easy.
If you have a history of auto accidents or violations. Other insurers may try to keep you off the road, but The General® can give most drivers an auto insurance policy that will keep them insured. We'll even offer you discount points over time for keeping a clean record and being a cautious driver."Non-Standard" insurance refers to an auto insurance policy that is given to a high-risk driver. However, since the insurance industry has become more competitive and many more people today are categorized as high risk than there were just a decade ago, non-standard auto insurance policies are much more common. We offer non-standard policies with the same flexible rate plans and outstanding customer service as our standard policies.

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Airbag systems on the bikes. Honda Motor Co. is the first company to develop a motorcycle airbag system, which is available on its Gold Wing line. The airbag is contained in the part of the motorcycle between the handlebars and the rider's seat. The Gold Wing's fork incorporates four crash sensors that monitor acceleration changes and a detector that calculates when a collision is occurring. Once an impact is detected, the airbag inflates of help protect the rider. The 2009 Gold Wing's price starts at just under $21,000.
Airbag systems on the driver. Divers can even strap safety devices on their backs. Silver Spring, Md.-based Impact Jackets sells a number of jackets made for riders that are airbag-system equipped. The products, which come in a variety of styles and colors, start at $395. The company also provides an inspection service for the jackets — which includes new CO2 cartridges and a repacked airbag system — for $35. "We've saved four lives in the past 12 months with this technology," says Charles Paige, president. "The need for safety is clearly on the increase."
Anti-lock brakes. The concept of anti-lock brakes on motorcycles is also catching on. Research shows that riders on motorcycles with anti-locks have a 38 percent lower risk of a fatality than those on motorcycles without anti-locks, according to the
Highway Loss Data Institute, the nonprofit research affiliate of the Insurance Institute of Highway Safety. The institute also found that anti-lock braking systems in motorcycles reduce the incidence of insurance claims by nearly 20 percent.
BMW, Honda and Yamaha offer models with anti-lock brakes as standard equipment. These same manufacturers, along with Harley Davidson, Kawasaki, Suzuki and Triumph, also have models with optional anti-lock brakes.
Helmets. Headwear is also constantly improving. Some current gear uses carbon-fiber as the shell material, to provide durability without added weight. "You want a helmet as strong as it needs to be to properly disperse an impact, but lightweight," says Ty van Hooydonk, director of product communications for the Irvine, Calif.-based Motorcycle Industry Council.




Foot and hand protection. Boots and gloves are safer than ever. Alpinestars, a Torrance, Calif.-based sport apparel manufacturer, has come up with its Supertech R Racing Boot, which can be worn by both sporting and street riders. Made of protective thermoplastic, it's flexible enough to allow freedom of movement while preventing hyperextension and overrotation. The outer shell is made of full grain leather to offer impact protection. (Pricing starts at $399.) The company also makes full-grain leather gloves with carbon-plastic protection panels over the knuckles. (Starting at $179.)

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Introduction to auto insurance quotes in Canada

Your auto insurance is there to protect you against financial loss if you are in an accident. Your auto insurance is, essentially, a contract between you and your insurance company. You pay a premium, and in return, the insurer agrees to pay for any losses as they are defined in your car insurance policy.

Auto insurance and the law
In Canada, it is the law to have auto insurance. Your car insurance is valid anywhere in Canada and the United States. It’s a good idea to take your proof of car insurance with you whenever you drive because you must produce it if a police officer requests. If you are found driving without valid auto insurance, you can have your driver’s licence suspended and your vehicle impounded.
In Canada, each province and territory establishes their own required minimum insurance coverage. However, you often can get options that go beyond the basics. One of the nice things about insurance is that you can modify your policy to make certain that you’ve got the exact protection you require, without paying for extra insurance you may not need.
The law does not require that you get car insurance to cover physical damages to your automobile. However, if you have a newer automobile you’ll want to protect your investment and consider purchasing Collision and Comprehensive coverage.
What does auto insurance cover?
Your auto insurance generally provides property, liability and medical coverage:
Property coverage pays for damage or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses

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