Tata Nano, introduced by the Indian Automobile giant Tata Motors is believed to be a boon for Indian economy. In India, public transport and other related services are lacking in terms of fulfilling people’s demands. Especially, people in the rural areas, who cannot afford to spend money on travel, Nano would make a cheap deal for them. As fas as urban population is concerned, Nano is to replace scooters and motor-cycles, riding on which is not considered safe for a family in heavy traffic or during monsoons. Plus, glancing at the increasing domestic demands and changing social standards, launch of Tata Nano seems promising.

Research from Automobile Research Association of India shows that the Tata Nano is the most fuel-efficient car in India out of 450 models available in the Indian market. The car also has potential to replace all other big cars that consume space leading to traffic jams and parking problem. Thus, if one believes that Tata Nano is an immediate future of the transport in India then one should also take a step ahead to insure the car before booking it. Let’s see what the booking procedures are and how one can secure his favorite Tata Nano:

Booking Tata Nano:

As declared by Tata Motors in a release, booking for Tata Nano will continue to the end of day on 25 April. Application forms are available at a price of Rs. 300 (for online booking Rs. 200). The forms can be bought at over 30,000 locations in about 1,000 cities through Tata Motors passenger car dealerships, State Bank of India and its branches, its subsidiaries and associates, other preferred financiers, and outlets of Westside, Croma, World of Titan and Tata Indicom exclusive stores. The forms come with a range of offers from select associate Tata group companies up to Rs1,100 Customers can either pay the entire booking amount – of Rs. 95,000 (Tata Nano Std), Rs.120,000 (Tata Nano CX), and Rs.140,000 (Tata Nano LX) – themselves or seek financing of the booking amount. To facilitate booking of the car and finance to the prospective customers, Tata Motors has entered into agreements with 18 preferred banks / NBFCs. So, the prospective customers get all the support while booking Tata Nano.



Insuring Tata Nano:

Make sure that along with getting maintenance of your Tata Nano done, get the Insurance done. Getting a Motor Insurance done is a wise act to safeguard your favorite car. Tata Motors has tied-up with five partner insurance companies, which are National Insurance Co, ICICI Lombard General Insurance Co, Royal Sundaram Alliance General Insurance Co, United India Insurance Co and HDFC Ergo General Insurance to offer comprehensive insurance, under the ‘Tata Motors Insurance’ banner, for the Tata Nano at a rate of just 2.76 per cent of the ex-showroom price of the car. The insurance premium would start at Rs 3,468 (ex New Delhi). The company has also added that while the interest rates on the loan amount would vary between 9 per cent and 14.25 per cent, customers would have to spend Rs 3,468-Rs 4,431 as insurance premium. As Motor Insurance is mandatory in India and is governed by the Motor Tariff Act, the policies offered by various companies are more or less the same. There is not much room for innovation in this category. ICICI Lombard offers Car Insurance and Two Wheeler Insurance to its customers. ICICI Lombard is known to offer one of the best rates in the market. As the entire buying process is online through their website www.icicilombard.com and is instant, without any submission of documents or other formalities, people generally opt it for convenience. One can not only buy, but also manage and renew their insurance policies online.



It is always wise to secure your car. If Tata Nano is a special car for you, treating it with care and protecting it from uncertainties, accidents is equally prudent. Our Motor Insurance plans comprehensively cover you and your car against all the risks and bring you a peace of mind. You can buy or renew the policy online, which is the fastest way to protect your vehicle. Get your Tata Nano insured and enjoy a risk-free driving experience!



By: Prajakta Ambre

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Most of us will openly admit that our cars are very important to our daily lives. They are useful in getting to work, as well as errand running and even as part of the work itself.

With rising prices in relation to both petrol and car insurance, many of us are now taking the decision to leave our vehicles at home. As many of us rework our finances and attempt to cut back on luxuries in order to make ends meet, the decision to run vehicles has become of paramount importance to households.

A study carried out by a leading money advice website has shown that around a quarter of motorists now use their car less due to rising costs of running and maintaining their cars. Over 3 quarters of those surveyed cited rising petrol prices as the main reason for being put off driving more, with prices for unleaded now averaging £1.07 per litre across the country (although it varies by region)

But with the price of the average car insurance quote also rising as a result of the credit crunch, many of us are now opting for using public transport or bicycles in order to get around. Whilst this may seem good news for cycle manufacturers and green campaigners, manufacturers and car insurance companies could face tough times if the trend continues.

With the ongoing credit crunch having an impact on all aspects of the financial market, cheap car insurance runs the risk of becoming a thing of the past, with the average fully-comp policy coming in at around £630.

Its’ not just motorists who are feeling the strain of the credit crunch, the motor industry has seen dropping sales. And as more of us are turning to bicycles in order to help us get from A to B, the future doesn’t look promising for many manufacturers.



By: David Collins

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In the past the strategy many motorists took to was dumping their four wheels and turning to two wheels, particularly bicycles. Cycling has numerous advantages that include improved health, saving on cost and less hassle when compared to driving a car.

For environmental campaigners this move is a huge gain because there will be less gas emission and the environment will be a safer and better place for all. Thus, the choice of switching to two wheels got the endorsement of almost everyone.

Smaller vehicles

One more device, recently noticed though, is the push by a growing number of drivers for smaller vehicles. In major cities like London there has been a concerted effort, via campaigns, to discourage the use of gas-guzzlers. But, in spite of higher charges, the trend seemed undeterred.

But a new study by Saga has shown a sharp reversal as more and more motorists are forced by the credit crunch to switch to a car with a smaller engine so as to pay less on car insurance. Apart from cheaper premiums enjoyed by those driving smaller models of cars, there is also the advantage of paying less on petrol, tax and other expenses associated with motoring. Up to 2.7 million UK motorists have found this a convenient way to beat down their expenses, all in a bit to sail through the credit crisis.

The Saga survey, in detail, revealed that the number of those choosing the option of cutting on cost by increasing their voluntary excesses represents 8 per cent of drivers across the country. Another 8 per cent have taken the downsizing option to reduce their insurance bill as well as related expenses. In the same manner there are 4 per cent of drivers that have expunged named drivers from their policies.

False economy

Whereas the above options are considered the right move at the right time, experts are however worried that there are motorist that are also increasing their financial risks by removing optional extras from their policies. The implication of not having a breakdown cover or legal expenses as part of one’s policy could be grave, at least financially. A few months ago experts warned that drivers without a breakdown cover pay as much as £90 to have their vehicle recovered and or fixed.

Of course cutting out unnecessary expenses could help a lot in surviving the financial crisis. But resorting to a false economy is certainly going to increase one’s financial problems at a time such things need to be avoided.

The shoparound option

Although times without number have insurance customers been reminded, there is still a need to mention that the best way to get both a quality and cheaper insurance product is by shopping around. Yes, downsizing, among other options, is a simple step towards taking more control of one’s finances. But by shopping around, comparing prices and going for the policy that best suits your needs you will be saving yourself a lot of troubles, financial and much else.



By: Musa

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When the government interferes with the free market, the results are never good.  The same progressive steps have happened repeatedly over the course of our history and yet we do them over and over again.  Now we are running down the same path; determined that this time will be different.  General Motors is the latest pawn in the game for who has best ideas to run our economy, but the fundamentals of the free market have been thrown out the window.  Over 35 years ago, Amtrak was the government pawn and the talk was about making it profitable in less than 3 years so we didn’t lose the passenger rail system.  Today we still own Amtrak, it’s still losing money, and the government has prevented any competition from taking them down.

 

Normal free market operation happens when a company produces a product or service and based on its merit, we the people purchase what it sells because we like it.  The company must be run well and as demand for what they sell rises, other companies will compete for your dollars.  This competition will keep prices low and quality high to attract your attention.  If the product becomes unpopular, too expensive or the company is run badly; the business will die and be replaced by something you will spend your money on.  This is the natural business cycle that is propelled by YOU; the free market.

 

GM has been deemed too big to fail, and the government has stepped in to try to save the thousands of jobs that depend on the automakers success.  Unions have driven up the price of labor along with legacy costs in the billions to pay workers who have long retired.  The result is a company that cannot sustain its own weight, and for a long time GM has spent more money on labor than the car itself.  We the people like the cars they make and we really enjoy our SUVs, but the company is so badly run at this point that it has no hope of survival.  The government took billions of your money and gave it to GM to keep them in business, but that won’t stop the ship from sinking under its own weight.  GM has declared bankruptcy anyway, and now the government is getting even more involved.  The white house has fired their executives, is now limiting their compensation terms and even dictating what kind of cars they must build.  The government can’t tell a company how to be successful; YOU do with your dollars.  GM didn’t produce these cars before because we didn’t buy them, now they don’t have a choice.

 

Ford should be the big winner in this situation, but the government will make them the big loser.  They didn’t need bailout money because they are a good company and their cars are popular around the world, but now they must pay to keep their competition in operation with their tax money.  The government is telling GM to produce cars that we don’t want to buy, so it will be a black hole for years to come.  In an attempt to make them profitable, the government will change the rules of the game in GMs favor by giving you incentives to buy their products.  Tax deductions and green standards will make GM’s cars cheaper to buy, all while penalizing Ford for being a profitable company.  In the end, no company can compete with a government entity because the government can always tilt things in their favor.  Every private car company will be driven out of business by Government Motors because it’s the only way GM can compete and you will pay the tab for all the loses.  The government can’t tell you what to buy, but they sure will try.

 

Rather than letting bad banks fail and good banks succeed, the government has disrupted the financial industry and produced the opposite.  Now the government is getting involved in the energy sector and deciding for you what types of energy you should buy and shouldn’t.  Rather than allowing free market solutions to healthcare like Ameriplan and other health plan alternatives, the government created public plans in Medicare and Medicaid which have raised healthcare prices through the roof.  The next step will be to expand the public healthcare system and eventually put 2.3 million people in the insurance industry out of work.  This type of economic “justice” is socialism no matter what they try to call it, and it will ultimately cost your freedom of choice, your tax money, your opportunity for success and eventually your job.  The free market dies a little more each day and leaves many of us wondering; which industry will the government try to “save” next?



By: S Porter

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There are only a small number of men who can actually escape from an accident without much damage and this sort off easy getaway is only possible in movies. Everyday in Ontario, there are numerous motorcycle accidents reported. In Ontario, the National Insurance Crime Bureau Statistics also states that there is an astonishing increase in motor cycle theft, and with such circumstances only 20-25% of the stolen motorcycles are retained. By means of physical nature, motor cycles are small-sized and of lightweight; and moreover some motorcycle are much compact, which makes it an easy target for thieves. Motorcycles, due to their make-up can be easily ruined by flood, explosion, or unexpected fire, and also there is high probability of such occurrences with motor cycles than that with cars. So, after having considered all things, only a moron would consider dropping motorcycle insurance in Ontario. The government is even making it mandatory for every motorcycle rider to have motorcycle insurance. But most of the people complain the insurance is too expensive, and they neglect the importance of insuring their vehicle.

It is essentially important to obtain motorcycle insurance because it will cover all liabilities for the unexpected injuries caused to your as well as the other passenger. Next to that, it will also cover the damage you have caused to any third-party, along with the damages caused to your motor cycle due to natural disasters, including fire, accidental damages, as well as explosions. Most of these factors go uncovered by cheap motorcycle insurance in Ontario. Rushing after cheap car insurance might be affordable initially, but in the long-run it might turn to be much more costly.

Motorcycle insurance companies which are well-known cover majority of your medical expenses that also includes the transportation charges for escorting you to the hospital after the injury. Furthermore, you can also select optional insurance for acquiring towing and roadside coverage, which might be very much convenient and safe while you are in an unfamiliar location. Although coverage for those types of emergencies may be a bit more costly than companies that sell cheap motorcycle insurance in Ontario, but they are worthwhile.

One company called Dalton-Timmis Insurance sells motorcycle insurance for a reasonable price. It is possible to save up to $650 with that company. Wawanesa Insurance also provides motorcycle insurance at a pretty descent price. These two companies are much cheaper than other insurance providers in Ontario, and they also provide good services. So, open your eyes and don’t simply rush for cheap Ontario motorcycle insurance, as they are many good packages out there which are worth buying if you get ready to pay a little more.



By: Carole Maclennan

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Most people have insurance in one form or another these days. We have no choice in the matter really. The fact is that anything can happen at any time and to mitigate that risk, we need to make sure that we are adequately covered. But how do you know you have the correct amount and kind of cover? There are quite a few guidelines that one should follow when considering insurance, but in this article I would like to point out a few very common mistakes people make when choosing their insurance policy.

Too lazy to shop around

Unfortunately this is often the most common mistake people make. The excuses that you may not have enough time to properly compare quotes is really ludicrous considering all the companies out there that will compare quotes on your behalf, only requiring that you fill in a single form with your details. If you aren’t willing to shop around for the best product to suit your needs and your pocket, you have no-one to blame but yourself.

Only comparing monthly premiums

For many people the monthly premium is really the bottom line, but this way of thinking could land you in hot water. Not only is that only a portion of what you need to consider, not looking at other factors such as excesses could really hurt you financially in the event of some disaster. In addition, you also need to consider the company’s track record. Make sure that there are not any major complaints on web forums about the amount of time taken to pay out or declined claims.

Fine print

Who enjoys reading fine print? I certainly don’t! Unfortunately, if we want to be sure that we are adequately covered and know exactly what to expect in the event of a claim, we need to be familiar with the terms and conditions of our insurance policy. Most countries have laws that state that an insurance broker must explain the policy to you in full when you are purchasing it. That person also needs to answer any questions you have satisfactorily.

Buying too many policies

Telemarketers call us very frequently, often with a line to the effect of “You have been specially selected…”This obvious marketing ploy will only take your money and dump it into unnecessary funeral plans, hospital plans, life policies etc. If you already have a policy in place, that should be good enough. If it is not, cancel it and get one that will be sufficient.

These few simple pointers will help ensure that you don’t pay too much for your cover and ensure that you are adequately covered in the event of a tragic event. Regardless of who you insure with, make sure that you follow these simple common sense principles before you sign your name to a contract.



By: Johan Danies

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Auto insurance can be classified under transport insurance which covers risks associated with transportation and vessel of transport. As a result automobile insurance as a standard business provides automobile policy that is designed to cover the liability and physical damage to motor vehicles. It also extends protection against the uninsured motorists and third parties liability

The main types of vehicles covered under auto insurance policy is many countries includes private car insurance which are operated by owners for their own uses , commercial vehicle insurance cover is for all vehicles used fro transporting goods or passengers for commercial reasons. Motor trade insurance cover is the next one set up for all vehicles at garage premises for purposes of repair and maintenance. motor cycle insurance cover mainly for two- wheeled carriers like the motor cycles, motor scooters and the motor bikes can not be underestimated as well.

Agricultural or forestry motor vehicles insurance for commercial vehicles with special functions such as tractors are recognized as well followed lastly but not least by special types of policies meant for vehicles with unusual construction like the mobile cranes, earth moving equipments and forklifts among others.

Auto insurance policy is a contractual agreement between the insurer and the insured whereby insurer agrees to compensate the insured in event of a loss. The basic characteristics of this include the pooling or the sharing of losses by spreading them relative to the entire insured group since only a few of the insured will actually suffer risks at some point. The only imperative thing to matter here is whether they have been insured for similar cases and thus paying equal premium rates.

The next thing is risk transfer where a pure risk is transferred to the insurer from the insured since he is typically the one at the strongest financial position to compensate for losses as opposed to the insured. Indemnification is the third characteristic of auto insurance which means that the insurer must restore the auto owner to exactly the same position enjoyed prior to the loss occurrence. Finally there must be payments of accidental losses that must are based on the notion that accidents happen rarely or they at least take a while before they happen.

The motor insurance company will offer auto insurance coverage for risks only if it satisfies the following requirements. There must be a large number of exposure units or in other words there should be many people faced with similar risks like the auto owners being faced with risks of car accidents, carjacking among others. The losses must also be unintended in the sense that the insured should not have done something to instigate the loss deliberately. The losses must also be determinable and measurable which can be interpreted as the losses being definite in terms of causes, time, magnitude and the place of occurrence.

The losses must also not also be connected to catastrophic meaning that a large number of exposure units must not experience losses at the same time. The chances of losses must also be calculable in that the insurer must be able to calculate the frequency and severity of the losses and also the premiums must be economically feasible or reasonably perceived by all insured.

Poly Muthumbi is a Web Administrator and Has Been Researching and Reporting on Debt for Years. For More Information Visit Her Site at AUTO INSURANCE



By: Poly Muthumbi

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Motorcycle insurance protects you from many risks. Leading insurance companies offer a great many choices for motorcycle insurance and owners can decide whether they want minimum coverage or comprehensive coverage. Insuring a motorcycle protects the owners from theft, vandalism, accidents, and more. Motorcycle insurance can be bought online or offline from leading Insurance companies.

1. Before setting out to buy motorcycle insurance it is important to know what insurance companies base their premiums on. Surf the internet and read up on motorcycle insurance essentials.

2. If the bike is branded and comes from a reliable manufacturer, then the premiums cost less. Insurance companies compute costs of repair when setting premiums. It is advisable to enquire about insurance before buying a bike.

3. Buy a policy that covers: Liability, collision, no-fault, service coverage, uninsured coverage, passenger coverage, bodily injury coverage, theft, medical coverage, and so on.

4. Use online insurance tools to get at least three quotes for different insurance companies. Always compare insurance coverage and quotes.

5. Find out about multiple policy discounts. If you have a home or car insured and are known as a reliable risk by the insurance company they will cover the motorcycle at a discount. Ask about multiple policy discounts.

6. Follow all maintenance and safety regulations and the premiums on your motorcycle will be much lower.

7. Learn all about capping your mileage. Insurers offer great discounts to people who use their bikes sparingly.

8. Surf the internet for great discount offers on insurance and read up the latest laws and news on motorcycle insurance. This will help you lower insurance costs greatly.

9. Try and ride the motorcycle safety and take good care of wear and tear. No claims means much lowered premiums and great savings for you.

10. Factors that effect insurance premiums are: your age, make of bike, where you live, your driving record and so on. So if you reside in what is considered a safe locality then your insurance premium for the motorcycle will be reduced considerably; find out what affects premium rates and do your best to follow recommendations like safe storage of bike, no riding in winter and so on.

11. Taking DMV or special motorcycle training can get you a better insurance deal. Learn how to save by taking the required classes.

Great savings on motorcycle insurance can be made by following rules, being a responsible citizen and having lower risk factors. Learn about motorcycle riding safety, rules, laws, and more from the “Motorcycle safety Foundation,” at http://msf-usa.org/ .



By: Timothy Rudon

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(NAPS)—To steer this riding season in the right direction, you’ll want to make sure your motorcycle—and your motorcycle insurance policy—are in good working order before hitting the open road.

While you should always check your owner’s manual for specific guidelines, here are some general tips for getting ready:

1.       Change the oil and filter. Many manufacturers recommend changing the oil and filter before storing a bike for any extended period of time and again when you bring it back out for riding season. Be sure to first start up the motor-cycle to warm the engine and then shut it off before changing the oil and filter.

2.       Check the belt or chain. Make sure it is set to the manufacturer’s recommended tension. And if you have a chain, lubricate it.

3.       Check nuts and bolts. Start off the riding season with a solid bike. Make sure everything is tight. “A well-maintained motorcycle not only assures a fun time, it can save you money by avoiding accidents, which helps to keep your insurance rates down,” says Rick Stern, motorcycle product manager, The Progressive Group of Insurance Companies.

4.       Inspect tires. Look for any damage and also make sure each tire is inflated to the correct pres-sure. You’ve only got two tires, so for maximum stability it is very important to avoid under inflation as well as over inflation.

5.       Look for fluid leaks. The easiest way to check for this is to look at the floor under the motor-cycle. Leaking oil or brake, radiator or clutch fluid can cause their own special problems. For example, being low on brake fluid could make it hard to stop your motor-cycle. You don’t want to find that out after you’re already on the road.

6.       Check all lights. Make sure headlights, taillights, brake lights and turn signals are all functioning properly.

7.       Brush up on your riding skills. Find a safe place to practice riding skills such as fast stops, figure eights, U-turns, etc., so you’re ready for the season. You’ll be glad you did.

8.       Update your policy. Per-haps one of the most important things you can do at the start of the season is review your insurance coverage to be certain you, and your bike, are covered. Talk to your local independent insurance agent.

Texas Prime Insurance represents many companies and they can help you to understand the cover-ages you need. We can also help you find the combination of price and service that’s right for you. Visit our Web site at http://www.texasprimeinsurance.com

Did You Know?

To steer this riding season in the right direction, you’ll want to make sure your motorcycle— and your motorcycle insurance policy—are in good working order before hitting the open road. To find an independent agent, visit http://www.texasprimeinsurance.com.



By: Jesus R. Olivares

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As a young adult, you will undoubtedly pay more for your car insurance than people that are in their thirties and up. This is especially true if you are younger than twenty five. There are many ways to lower your risk profile, thus lowering your monthly rate. Taking a defensive and/or advanced driving course, driving a cheaper car, joining an auto club and lowering your mileage use per month by using public transport and carpools where possible are all options that can lower your monthly insurance rate.

In addition to these “common sense” steps you can take to lower your monthly installment, you could also consider lowering your comprehensive and collision cover if you have an older car that may not be worth as much. The reason for this is that if the damage is significant enough, in the event of a collision, the excess payment could be more than the vehicle is actually worth! If, however, you can afford a more expensive vehicle or even a new one, buy something with as many safety features as possible. This includes airbags all round, unbreakable or electronic locks, automatic lights and even a car with an automatic transmission. These safety features, especially the locks, can lower your rate with certain insurance providers.

Another obvious feature you will want to consider when purchasing a new car is security features. Many insurance companies refuse to insure a vehicle if it does not have a gear lock, immobilizer, alarm or tracking system. It also stands to reason that the more security features your car has, the lower the insurance premium. Where you keep your vehicle at night and at work will also fall in the security category.

Finally, many insurance companies consider your social and economic status when evaluating your risk profile. If you are married or engaged, you are considered more stable, thus lowering your risk profile. Having children will also count towards this. Your career and job also influences you premium as insurers have, through the years, established which kinds of drivers tend to go for certain careers. For instance, a technical engineer is less likely to go out and drink excessively before driving than someone employed in the service industry.

Comparing quotes online or by telephone will greatly assist you in selecting the company to best serve your insurance needs but never skimp on your cover to save a few pennies; this could backfire badly when you need to submit a big claim.



By: Johan Danies

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