Simple Tips For Auto Insurance

In many states in America, auto insurance is required to drive by law. Auto insurance not only fulfills a legal driving requirement, but it allows you to cover the cost of any damages that may happen to your car or another persons car in the event of an accident. The tips in this article will help you with purchasing auto insurance.

When you are purchasing car insurance you need to know and understand all the coverage types under your policy so that you know where you are covered and what exactly you are paying for. Things like uninsured motorist protection, for example, covers injuries that you get or the people in your car get. This is used when the other driver doesn't have insurance or if there was a hit-and-run.

The best thing that you can do if you want to get cheap rates on your car insurance is to keep a clear license. People with bad driving records automatically get higher monthly payments because they are more likely to get into an accident. Safe drivers automatically get lower monthly payments.

Even if you need money badly, you should never manufacture a fake claim or make the damages appear worst than they are. Your insurance company will probably notice that you are trying to cheat them. You could get in trouble and your premium could go up because of this. Keep in mind that you are dealing with professionals.

Automotive insurance can be expensive but to go without it can be a costly mistake. One thing you can do to reduce the premium amount is to combine your auto insurance with your home insurance, or any other insurance you might have. Insurance companies will give discounts if you bundle your insurance needs and buy them all at one company.

Buy your insurance through the internet. Sometimes companies offer lower rates if you sign up for their service online, and some companies have deals available online only. This is because the service is automated and you don't have to deal with an agent. You may see rates reduced up to 10% or more.

Every year when your automotive insurance is up for renewal, shop around to check that the premium being paid is still market competitive. There are an abundance of internet facilities available where you can enter the vehicle details online and immediately receive insurance quotes from various companies. This will confirm or deny that your current premium is realistic.

Consider your daily commute when purchasing auto insurance coverage. If you only drive a few blocks, you are at lower risk of an accident than if you drive a long way on winding roads dodging wildlife. While an accident can occur anywhere at any time, the longer you are on the road, the more likely you are to be involved in an accident. This can affect the amount of coverage you feel you need.

As stated before, auto insurance is a necessity for many drivers in America, as state laws require it. It also acts as a safety net for those in auto accidents. Using the tips found in the article above, you should be able to purchase auto insurance that will help you in case of trouble.

LIC insurance behemoth bought 46%shares of RCF

LIC  insurance behemoth bought 46% shares of RCF : Life Insurance Corporation of India (LIC) once again played the role of a white knight to rescue the share auction of Rashtriya Chemicals and Fertilizers (RCF) by the government.
The insurance behemoth bought 46%, or 31.63 million of the 69 million shares on offer of RCF during its offer for sale (OFS) last week.

This is not the first time LIC has bailed out a government disinvestment it had bought more than half of the bids in the ONGC and Hindustan Copper offering as well.

"We have not bailed out anyone. We have examined this (RCF) issue by its own strength and then taken a decision to participate. We will examine the future issues in a similar manner and then take a call,� D K Mehrotra, chairman of LIC told Business Standard today.

However, an investment banker familiar with the development said LIC was 'asked to keep the powder dry' for the RCF offering. �As the share-sale was not even half covered an hour before the close of bids. LIC had to put in a large-ticket application,� he said requesting anonymity.

Post the OFS, LIC now holds 6.69% stake in RCF, compared to 0.96% earlier.

Shares of RCF today closed at Rs 43.1, about 4% below their OFS price of about Rs 45 per share.

Investments made by LIC are typically for the long term but the mark-to-market losses on LIC's investments in RCF share auction stand at Rs 6.2 crore.

The government had raised about Rs 310 crore by divesting its 12.5% holdings in RCF through the OFS route on March 8.The 69 million share auction was subscribed 1.3 times and bulk of the bids had come at a price of Rs 45.02 per share as against the minimum offer price of Rs 45 per share.

Last year, the state-owned insurance major had bought about 377 million shares (88%) of the 427 million shares that were on offer during the ONGC share-auction, which was part of last year's disinvestment programme.

Earlier this year too during the Hindustan Copper OFS, LIC had to pick up 22.5 million shares, more than half the total 51.6 million shares auctioned.

RBS Direct Line Insurance stock down today

RBS Direct Line Insurance stock down today : The shares of Royal Bank of Scotland  (LSE: RBS  ) (NYSE: RBS  )  slipped 1 pence to 305 pence during early London trade this morning after the bank announced late last night that it would sell more shares in Direct Line Insurance  (LSE: DLG  ) .

RBS confirmed it would offer 229.4 million shares -- equivalent to 15.3% of Direct Line's share capital -- to institutions via an 'accelerated bookbuild' process.


Direct Line's shares fell 4 pence, or 2%, to 206 pence during early trading, indicating RBS could raise about 470 million pounds from the disposal. The sale would take RBS's remaining stake in Direct Line to just below 50%.

RBS said the process could involve selling a further 22.9 million shares depending on sufficient institutional demand.

RBS is essentially a forced seller of Direct Line, having agreed to dispose of the insurer as part of the commitment made to the European Commission following the bank's taxpayer-funded bailout.

RBS sold 35% of Direct Line at 175 pence a share last year via a flotation and must sell the remainder before the end of 2014.

Within its annual results last month, Direct Line declared a maiden 8 pence per share dividend and implied the payout could have been 12 pence per share had the business operated separately from RBS throughout all of 2012.

Direct Line's results also showed underlying net earned premiums falling 5% to 3.7 billion pounds and underlying operating profits advancing 9% to 461 million pounds.

Based on those results, Direct Line is valued at less than 10 times profits and offers a possible 5.8% dividend income.

Of course, whether that 5.8% income, RBS's decision to sell more shares -- as well as the general outlook for the insurance industry -- actually combine to make Direct Line a buy remains your decision.

However, if you already own Direct Line shares and are looking for another dividend opportunity, this exclusive in-depth report reviews a solid income possibility within the FTSE 100.

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Fitch Ratings Etiqa Insurance Berhad financial strength rating at A

Fitch Ratings Etiqa Insurance Berhad financial strength rating at 'A' : Fitch Ratings has affirmed Malaysia-based Etiqa Insurance Berhad's insurer financial strength rating at 'A' with stable outlook. Fitch says the rating reflects EIB's broad distribution coverage, strong premium growth, a track record of sound operating performance and its status as a core member within Maybank Ageas Holdings Berhad (MAHB).

The rating recognises the company's solid risk-based capitalisation and strong liquidity position despite likely higher financial leverage after the proposed issue of subordinated debt in April 2013.

Fitch says EIB continues to maintain strong premium growth momentum through its bancassuance partnership with Malayan Banking Berhad (Maybank) and through its wide agency coverage across Malaysia.

Premium written from general and life insurance operations grew 18% and 88%, respectively, for the 12 months ended June 2012. Motor insurance and marine, aviation and transit (MAT) businesses are key growth drivers of EIB's general insurance's portfolio.

Business quality of the company's non-life insurance portfolio remains sound although its combined ratio deteriorated to 94.3% for the 12 months ended June 2012 from 91.3% over the same period in 2011. Mortality gain and investment return contributed favourably to the operating profitability of EIB's life insurance business.

EIB has maintained capital strength to support ongoing business growth and to absorb potential asset volatility. Its regulatory risk-based capitalisation was about 247% at end-June 2012, well in excess of the statutory minimum benchmark of 130%.

In view of EIB's prevailing operating margin (3.1% pre-tax return on assets for the 12 months ended June 2012), Fitch believes EIB's financial flexibility will remain sound after the planned subordinated debt issue. Fitch expects MAHB's financial leverage to rise above 10% post debt issue from zero at end-June 2012.

With more than 30% of its general insurance and shareholders' investments allocated to cash and deposits at end-June 2012, EIB has strong liquidity to meet claims from insurance liabilities.

Liquid assets (including structured deposits) accounted for about 2.55x of its general insurance's net technical reserves at end-June 2012.

Partly offsetting these positive attributes includes the market-wide adverse claims experience of the third-party motor insurance business and capital re-allocation within the operating entities of MAHB due to a change in Malaysian takaful regulatory capital regime.

Additionally, EIB has placed greater emphasis on regular premium life products to strengthen its growth sustainability as a significant portion of its premiums still comes from single premium investment-linked products which are sensitive to equity market performance.( Story provided by StockMarketWire.com )

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