While staring, you have managed to rear end the car in front of you. This type of incident is highly common during the summer. Hot blooded men just can’t keep their eyes on the road. Imagine the embarrassment of phoning your insurance company to explain away that one!

Just last month, in a ‘rare’ outspoken moment (note the sarcasm) Top Gear’s Jeremy Clarkson, shared his thoughts on this problem. He remarked: ‘People imagine the most dangerous time of the year to drive is November or perhaps February – dark nights, fog, ice’ He goes on to say that ‘Sunny skies, light breezes, girls wearing short skirts, because the thing is, you can’t not look. You can’t physically not look.’

In a recent survey into the summertime crash phenomenon, a UK surveying team found that 29% of male drivers admitted to being distracted by the female of the species during summer. Contrast this with a low, low figure of just 3% of women being distracted by men during the summer. If you also take into account that men are 16% more likely to make a car insurance claim during the summer months than their female counterparts, then you can see a distinctive trend starting to emerge. One last statistic to fill you in on is that during the last 5 years, 25% of men have admitted to having a summertime crash or a very close call.

Can you as a man relate to the above situation? I think if we are being honest then we would have to say yes. It is a strange phenomenon but a very real thing too. If we want safer roads then the only solution during the summer is for men to keep their eyes and thoughts on the road. You have plenty of other opportunities to view the ladies outside of the car so don’t risk an embarrasing car crash by letting you eye wander. It is just not worth the hassle, especially if your girlfriend catches you!

If you are a young male with a roving eye then take a look at the car insurance for young drivers at AXA insurance Ireland. We are sure you will find something to please you.

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For the majority of older AXA customers, they are covered with car insurance while driving other people’s cars. If you get permission off the other car owner then you will be covered by 3rd party car insurance while driving that car. You get this cover without actually being a named driver on the owner’s insurance policy. This is a great deal for older drivers.

The ‘Driving of Other Cars’ extension is a valuable thing to have. Just imagine yourself in the following situation: You and 2 friends have decided to drive to the coast this weekend for some surfing. Instead of taking 3 cars your friend offers to drive everyone down. The weekend is might craic but your friend had 1 or 5 drinks too many and is now over the limit and too sick to drive anyway. What do you do now? If you have AXA’s ‘Driving of Other Cars’ extension then you are cobered to jump into the driver’s seat and drive everyone home safe in the knowledge that you are covered by third party insurance.

This cover only applies if you don’t own the car or haven’t hired it under a hire-purchase agreement. The easiest way to check if you have this cover is to have a look at your certificate of insurance – the covers you have are shown in Section 5(b).

Of course, it’s important to understand some of the things the ‘Driving of Other Cars’ extension does not cover. It only applies to private passenger vehicles, and does not cover you to drive – vans, car-vans, jeep type vehicles with no seats in the back, vans adapted to carry passengers

When you’ve been with AXA for 3 years with comprehensive cover, we will upgrade your Third Party “Driving of Other Cars” cover to Comprehensive “Driving of Other Cars” cover at no extra cost. This means we will cover you to drive someone else’s car on a comprehensive basis, so if you accidentally damage the car, the damage is covered. No other insurance company in Ireland offer this type of cover to customers.

AXA car insurance Ireland provide lower insurance quotes for older drivers. Get your auto insurance from AXA today.

And if you’re lucky enough to be the proud owner of a hot motor you have more cause for worry than those with older, less pristine versions. 20 percent of the 3,000 motorists questioned in the poll by a UK insurance company said their decision whether to leave their details would depend on what kind of car they hit… A meagre 1 percent would own up if they hit a fancier car like a Volkswagen Golf GTi.

Of those who were surveyed, almost half had had their own parked car damaged, and only 15 percent of those were left details by the culprit. Two thirds said they wouldn’t leave their details if they couldn’t see any visible damage on the car they hit – probably by persuading themselves that bang they heard was nothing after all!

In the battle of the sexes, women prove to be a more honest bunch. Women are 6% more likely to won up to crashing into a parked car than men. Hurray for the women, but it is still shocking that so many people would walk away after hitting someone’s car. Especially if it is your own car!

The worst culprits seem to be new drivers, under 18 years, as a quarter of them wouldn’t even admit they had caused damage to their friend’s car! The older, wiser drivers over 55 years are a more honest bunch – 94 percent of them would own up, probably because it has happened to them in the past.

Protect your parked car against damages from other cars with AXA car insurance. Visit our site and receive cheap car insurance online today.

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Insurers treat age as one of the major factors when pricing their policies. Males between 17 na d25 have proved to be the most likely to make claims and so are charged the most by their insurance companies. On the other hand, a lady in her 50’s is seen as a much lower risk and would therefore find car insurance is cheaper for her.

The amount of cover that you receive under the terms of your policy also determines the cost of your car insurance. Comprehensive insurance is the most expensive but does provide cover for you car and all third parties involved in a claim, minus any excess payments due. Third party cover is generally the cheapest but does not pay out for damage that your vehicle, but only to third parties, as the name suggests.

When you get a car insurance quote, the premium or the cost of the insurance will vary from company to company. This is because each company will base their quote on a set of risk factors and increase or decrease the premium depending on how your rate against these factors.

This might sound complex but actually insurance is all about balancing risk with profit so when you apply for a policy with an insurer, they are looking at the chances of you making a claim and then pricing their policies against that risk.

Common risk factors used by car insurance companies include details about the vehicle type such as the number of doors and seats. The engine size is also important as more powerful engines are more costly to insure due to their faster acceleration and top speeds. More powerful engines also generally contain more expensive parts should any repairs have to be made under insurance cover.

The annual mileage that you travel in the car is also important to declare when buying insurance as the more miles that you travel, the greater the risk of an accident. You may have a collectors car that you only use on Sundays and therefore travel less than 2,000 miles a year in it so arranging a low annual mileage policy is likely to save you money.

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There are many types of insurance out there and countless policies offered for each insurance type. Educating yourself about how the insurance system works should be your first step before choosing a policy.

You may be surprised to learn that 65 percent of South Africans do not have any auto insurance at all. Considering the high risk of injury and death on South African roads, this is a shocking statistic.

Auto cover is coming in three varieties, third party is the minimum coverage and guards you if you wound other person or hurt somebody’s belongings in an auto accident. Third party fire and theft will include cover that is provided below third party and will add security for impairment caused by fire, theft or attempted theft. A complete security is also provided to protect your automobile in an accident that is your mistake.

To ensure that you aren’t paying too much for expensive auto insurance, be sure to compare prices and quotes. To reduce your costs, try negotiating with the insurance companies for a lower rate. Also, think about asking for higher excesses, as well as increasing security measures to further reduce your premiums.

Term life insurance is the most ideal coverage for a certain amount of time or can be based on your credit. Term life is best for families that owe a lot of debt that will be paid before the policy expires.

Whole life insurance is permanent insurance that remains in effect as long as the premiums are up to date. The policy does not need to be renewed and the premiums remain the same throughout the life of the policy. It provides your beneficiaries a lump sum at your death regardless of when that occurs.

Universal life insurance cover is structured the same way as whole life in that it is permanent insurance with level premiums. In addition, it adds provides financial products such as a savings plan, investments and the ability to add a person to the policy. It is the most expensive life insurance option due to its flexibility.

Your life changes and it is always beneficial to check on the current status of your life insurance to make sure it is still meeting your needs.

Your options for homeowners insurance have expanded thanks to the National Credit Act. Previously, borrowers had to purchase their cover from the bank that financed their loan. Now, you can shop and choose the cover that fits your needs and budget. You’ll be required to cede the policy to your lender so that your policy can pay your bank directly.

No matter what type of insurance you’re looking for, always remember that the cheapest policy is not always the best. A bicycle is cheaper than a car, but it cannot meet your transportation needs in the same way. You goal is to find an insurance policy that meets your coverage needs cheaply.

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Aricas leading car insurance portal.

Getting cheapest car insurance used to be a real battle. You needed to call each insurance provider and follow up the long procedure of specifying hundreds of informations about yourself to person working there. By the time you have got a couple of quotes things are going to begin to get boring and you may forget who gave you that more inexpensive quote. Get Free Car Insurance quotes right away, and select from the auto ins quotes that you prefer. See how the inexpensive coverage you want is provided at lower rates than found practically anywhere else in the country. Discount car insurance which offers great protection often seems as a deal too good to be true.

Get Cheap Car Ins quotes right away, and select from the car ins rates that you choose. Check how the discount coverage you need is provided at lower rates than found almost anywhere in the USA. Discount auto insurance that offers quality protection often looks as an offer too good to be true.

If you go buying around for a car insurance policy you are searching for 2 entities: best coverage policy and great deal. That does not mean dollars is the only thing you will be worried about though! You need to make positive you have got a car ins provider that is going to support you before you start handing over 100s of dollars month after month in premiums. You have got questions, and you must to be sure where to get answers.

Net has given us a new and great fashion to learn almost anything we need to buy cheap automobile insurance. Purchasing car ins policy online is helpful for you also as you are going to acquire auto insurance rate from well known firms, compare the rates and select the one that suits you in the best way. You need not move out of your house or business office and you get the vehicle cover in much less time less time.

You are going to get the best affordable free vehicle insurance quotes now by visiting a minimum of about 3 car insurance quotes sites. Obtaining quotes from a minimum of 3 quotes sites double the chances that you would make more savings. This is because any option not covered by one insurer will be covered by the other.

There are really many ways to save some money on auto insurance without changing your existing car insurance policy at all. There are numerous common laws of the road that we usually ignore and by disregarding them we can increase our auto insurance rates. Here are a couple of suggestions to assist you decrease your car ins rates.

You need to compare car insurance if you first purchase insurance, but it is also crucial to compare auto insurance regularly or when you think that anything relating to your driving has changed. Review car ins charges is if you have recently paid your car off. When you no longer have a loan on your car you are going to drop your ins comprehensive amount and pay much less for your car ins and still be fully covered.

Free Automobile insurance quotes can tell to you which are discount priced insurance options for yourself as an automobile owner. Today, you will discover free quotes from many auto insurance companies without the need to fork out a single cent.

Get Free Car Insurance quotes immediately, and select from the car insurance rates that you prefer. See how the cheap coverage you need is provided at more affordable rates than found virtually anywhere in the USA. Discount car insurance that offers protection usually looks like a dream too good to be true.

We will start with a look at the different types of insurance. There are three basic types of insurance in South Africa.

The minimum cover is Third Party. This covers your liability (costs) if you damage someone elses personal property in an car accident. This includes other cars or structural property that may also be damaged.

You can add a minimum value by purchasing a Third Party Fire and Theft cover. That will cover the cost in the event of your car being damaged by or incase of theft.

Comprehensive cover is the one that is recommended for most South Africans. It has in it, Third Party Fire and Theft and also covers damage to your own vehicle in an accident that is deemed your fault. There is also an additional coverage in it which covers when you are driving someone else’s car.

Other vehicle insurance options are designed to meet the needs of drivers operating in the unique South African driving environments. These include motorcycle cover, off-road comprehensive cover, and caravan cover.

Because South Africa is a high risk insurance environment, premiums can be high. But you can take some steps to lower your premiums.South Africa is often a world leader in traffic injuries and fatalities and the roads are becoming increasingly dangerous. Car theft and hijackings are also all too common.

When deciding on a policy, it’s best to shop and compare quotes first. The best way to do this is by looking online which may enable you to get a lower price according to the company you want to work with.

Drive safe and save on your premiums. Claim-free years should earn you rewards from your carrier. If not, scout for companies that would offer value rates to you.

During the purchase of insurance, you should check the maximum amount that you are going to paid if claimed. If this excess amount is high, then premium will also be high. Selection of maximum amount depends on you. It gives you benefit on long run, if you can afford higher excess amount.

If you own an expensive or high performance vehicle, you will pay more for your premiums. These cars cost more to insure because they are considered a higher risk and are expensive to replace or repair. So when you car shop, keep in mind that your insurance premiums will add to the cost of owning the vehicle you choose.

Receive discounts and pay lesser premiums by exceeding the security requirements mandated by your insurance company. So get your vehicle installed with security gadgets that exceeds the minimums specified by your insurer.

If you live in a high crime area, your car is at greater risk for theft or hijacking. Consider moving to get lower premiums. You can also receive a discount if you park your car in a locked garage or behind locked gates overnight.

Never think twice to have a negotiation. When an insurance company is looking to get your business then they will for sure for an extent work on your terms

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Aricas leading car insurance portal.