Otago Rally

The 2003 International Rally of Otago

Using a favoured mix of traditional forestry and public roads, the 2003 event is going to be just as challenging!

While event planning for 2003 is well underway, the lure of international drivers makes this event just a little more special as we prepare to top our previous best efforts.

Further information will be released as it comes to hand, so be sure to check back for more on what is in store.

For those keen on entering, keep an eye on the posting of entry forms in early 2003.

Pay For Car Insurance?

What Determines How Much I Pay For Car Insurance?

When is comes to purchasing car insurance, people are often curious about how their rates are derived. Whether a first time buyer of car insurance or as someone looking to comparison shop for the best rates, here are just some of the factors that can influence your car insurance rates.

Experience. Most automobile insurers will ask you to disclose how long you have been a licensed driver. The reason behind this is that it would make sense that drivers with more experience may be less likely to have accidents. Individuals who are newly licensed as first time drivers often times lack the experience of more tenured drivers in regards to being able to identify unforeseen or dangerous hazards on the road ahead.

Location. Youi car insurance companies are in the business of assessing risk. Risk meaning how likely it is that a person will be involved in an accident or incident that will result in a claim. Those who live in large metropolitan areas where there is congested traffic and higher rates of crime (like vehicle theft) will generally pay higher rates for car insurance than someone living out in a more rural area.

Level of coverage. Car insurance rates are determined largely by the amount of coverage chosen. Every state has a minimum level of coverage they require a person to purchase. Purchasing a basic policy that simply meets the state’s minimum requirements will surely cost less than a policy that includes all the bells in whistles included with higher levels of coverage, should you be liable for a large amount of damage or cause injury to another person as a result of your negligence. In order to determine which level of car insurance is best, it is important to understand all of the types of coverage available. An insurance agent or authorized representative of the company can walk you through all of your options. Keep in mind that sometimes more is better, even if the cost is higher, if it means peace of mind and protection when you will need it the most

Every insurance company is different in regards to how they determine prevailing rates. It can never hurt to call a company directly if you have any questions regarding how they determined your particular rate for car insurance in order to better understand the factors they deem most influential.

Car Insurance