Women Drivers Save on Auto Insurance!

July 20, 2014 by  
Filed under Car Insurance Tips

Nowadays, there are many different ways how you can get it at the best deal; like if you are a good, safe driver, you can almost automatically get a lower insurance rate. Or if your vehicle is equipped with the latest anti-theft or security gadgets like alarm systems, airbags, automatic seatbelts, and the likes, you are also guaranteed to obtain lower insurance rate.

There are other ways to secure cheap insurance rate and all you have to do is to comply with those specific qualifications set by the insurance companies, and presto, you are in to enjoy few hundreds of dollars of savings each year. Check all factors there is available for you to use and you are surely going to hit the best deal in town.

Do your own homework, research, investigate and take advantage of these opportunities. So, in this case, you are not only protected while behind the wheel on the road but never pay for an insurance premium more than what you should.

For sure, those are normally the qualifications you are already aware of and are needed by one to be qualified to avail of affordable insurance rates. However, don’t you know that sex or gender can also be a big plus factor to get qualified? But unfortunately for men, this specific factor favors to the side of women.

Yes, if you are a lady driver, you are in for a treat in as far as auto insurance coverage is concerned. Women drivers have always been the source of brunt of all jokes on the road, specifically coming from men. But being the butt of jokes can be an advantage after all, as it is found out that they often obtain cheaper car insurance coverage rates than men do.

It is not a hidden fact that women drivers are found to be the safer and more sensible drivers than men. This showed in statistics in the recent years particularly since women were proven to file lesser claims on insurance than men. The female group also was found to have a tendency over less flashier, more practical cars than what men choose, giving them another factor to secure lower insurance rates.

This specific factor makes it extremely advantageous to the female group. To make things even sweeter for them, they can benefit from online insurance companies offering deals specifically covering women drivers. By purchasing online insurance rates, they can now enjoy huge dollars savings per year from the insurance premiums they pay for their car.

While there may be other factors that establish how much you can get for your car insurance premiums, regardless of your sex, being a lady driver surely has its own perks and benefits. You may receive the brunt of jokes while behind the wheel on the road, but never mind them. For getting huge auto insurance savings is never a joke to your bank account. So, enjoy your ride out there!

Drive Smart and Save on Your Car Insurance!

June 23, 2010 by  
Filed under Car Insurance

One tip you should follow to be able to get inexpensive car insurance rates is to shop around and compare policies from different insurance companies. Be careful in evaluating each policy because sometimes, rates for the same insurance policy can vary from one insurance company to another. So don’t sign up for an insurance policy because that’s the first one you’ve found or because you know the agent. Better get quotes first from several companies and study their policies carefully to find the lowest rates.

It is also a good decision to purchase your auto insurance from the company where you got your home insurance and other insurance coverage. Majority of insurance companies give a discount for more than one policy you get from them.

Aside from these two tips, you can also do something to save on auto insurance when you are behind your automobile’s wheel. It helps a lot to practice smart driving. This means obeying the laws and rules of the road. You must avoid getting a ticket for running a red light or for speeding as it will cause insurance price hike. Staying away from traffic violations will give you a clean driving record which significantly reduces your auto insurance premiums.

There are also cases when you will be offered to go to a driving school if you commit a traffic violation. This is helpful because taking a driving course considerably reduces points on your license which equals to lower rates on your auto insurance. So if you have traffic ticket, grab the opportunity to take the driving class offered to you.

You should also drive safely to avoid accident. Though there are times when an auto accident is inevitable or is caused by the actions of another driver or pedestrian, sometimes your own hasty actions result in a road mishap. So besides being smart, you should also be a safe driver all the time to lessen your chances of being involved in a road accident. Being accident-free dos help you save bucks on your auto insurance.

Another thing a smart driver does is to ensure his or her ride is outfitted with safety, security, and anti-theft devices. There are cars that already come equipped with such features. Each of these devices has particular discount on your insurance rates.

When purchasing a new vehicle, always consider your car insurance premiums. There are vehicle types and models that usually come with higher insurance price tags. For you to get auto insurance savings, ask first for a tentative auto insurance quote for various types of car and avoid models with very high rates.

The Best Tips To Getting Huge Auto Insurance Savings

June 18, 2010 by  
Filed under Car Insurance Tips

Get savings on your insurance by upping your deductible and maximum coverage. Do not lower your coverage, as it is a dangerous attempt. Not that you are asking for it, but in case you run into a $500,000-damages vehicular accident and you only have the $50,000 liability coverage, you will be shouldering the deficiency. You don’t want that, so the first tip is to keep deductible and maximum coverage high.

Know about the discounts available. There are many ways that consumers can get discounts on their auto insurance. There are the common ways but you might as well want to know that teenage drivers with better grades, good drivers, cars having low mileage, making EFT payments and attending defensive driving courses are some of the great ways to look for when obtaining discounts.

Buy an umbrella policy. This is an insurance type that lets you insure your home complete with its contents and your vehicle under one company. You will discover percentage savings can discount you off your yearly policy unlike when you buy them separately.

Drop the collision coverage. It is recommended if you are driving an older car. What you may be paying for the collision coverage may be more than what you should. Take note that insurance providers only pay for what the automobile is worth and not its total replacement expenses.

Protect credit score. Most people don’t know that having a good credit score has a good impact when buying auto insurance. In this case, it is recommended to work really hard on keeping credit score high and if there’s any error on the report, you must immediately correct them before shopping for auto insurance.

Know how to file an insurance claim. It is probably the most common flaw for the consumers not knowing how claims processes are handled. Learning how you can file a claim and how the provider processes it will give you a better idea if it is a good move for you to trust your car and your money to an insurance company.

Shop and Compare. Shop around, obtain multiple quotes, and then compare them. This is one of the best ways on how you can find an insurance company that can provide the best deal in auto insurance. The internet is an excellent way to obtain quotes from different insurance companies, so open your desktop and browse the internet away.

Save on combine insurance policies. Purchasing multiple products, such as homeowner and auto insurance, from the same company can earn you savings. It is also the same if you combine the premiums on your car and your teen’s.

Compare insurance policies first. You can also get huge auto insurance savings if you compare the costs of insurance policy of the vehicles that you are eyeing. Insurance providers see how much worth the insurance of a car based on safety records, so even if you are eyeing on similar vehicles, they might come with different insurance prices. A car that has lower insurance premium can save you money.

Car Insurance Pricing Plans

June 18, 2010 by  
Filed under Car Insurance, Featured

The law requires at least liability insurance for all drivers and vehicles. This means that if you are involved in a serious accident, and it turns out that it was your fault, your insurance company will pay out any claims that are made against you.

The way it works is the more they feel you are at risk of crashing, and the more they think the resulting crash will cost them, the higher the premium you’ll pay.

Assessment

Common factors that will determine the premium are; the value of the car you’re driving, the safety of that vehicle, the coverage you want; will there be deductibles or limits etc.? How much you’ll drive the car, how your driving record stands, how long you’ve held your license, your age, and if you are young, also your sex.

The premium is then calculated. Usually there is a flat per car, per year rate that everyone pays, regardless of other factors. The other factors will then alter this rate, generally upwards. So if your car is especially fast or dangerous your rate will be increased by a set amount. If it is very old, your rate goes up. If you’ve had one or more accidents in the past, your rate will go up. If you’re young and male, your rate will go up. The more of these factors you satisfy, the more your rate will be going up.

Discounts

Most companies offer discounts to safe drivers, multiple vehicles, safety devices and anti theft devices.

The best way to save on car insurance is to shop around, keep a good clean driving record, drive safely, and choose reliable cars not necessarily high priced sporty cars!

What to Know before you Buy Car Insurance

June 18, 2010 by  
Filed under Car Insurance Tips

Car insurance policies have a lot of legal language that most of us don’t understand. What you want to look for is what you are getting (coverage) compared to what you are paying (premium). Here are a few things you need to look at when you are looking for car insurance:

Rating Territory – Where you live ultimately has a lot to do with how much your premium is going to be. Living in a high crime area or big city is going to up your insurance premium.

Liability Insurance – Liability insurance protects you when you are liable in an automobile accident. This is valuable protection for you because this is the portion of the possible that insures you against the highest risk and financial loss. Liability claims because of death and injury are by far the largest.

Physical Damage Insurance – This portion of the car insurance policy pertains to your vehicles. It is a good idea to self-insure in this area by purchasing this coverage with high deductibles. Low deductibles no longer warrant the high premiums for the protection afforded. High deductibles will save you thousands of dollars over the life time of a policy.

Car Insurance Discounts – Many car insurance companies offer discounts for certain things such as; vehicles with air bags, anti-lock brakes, and anti-theft devices. Senior drivers can receive retirement discounts. Young drivers with driver training education or a certain grade point average in high school or college may receive discounts.

Things you will need when shopping around for the best car insurance rate:

The VIN (vehicle identification number) yours and any other potential drivers, drivers license #, your current policy and when it expires, how the vehicle is used (business, pleasure or back and forth for work). If you are checking on a policy for more than one vehicle make sure you have the VIN #’s for all vehicles.

Getting The Best Auto Insurance Coverage

June 18, 2010 by  
Filed under Car Insurance

Compare Quotes

This is one of the most effective ways to score savings out of your auto insurance. Find as many insurance companies as you can and possibly talk to each to determine which might not only offer the best policy but has a price reasonable enough for you. The more information you ask the more options you will have when comparing each. If you are worried that asking and shopping around can affect your credit, it will not. So, research a lot, shop around, obtain quotes, and then compare.

Ask About Discounts

Every time you researching a new company ask about discounts. Not asking will make you lose savings opportunities. There are many forms of discounts you can score from an insurance company. Some of these are multicar discounts, safe drive discounts, eco-friendly discounts, and bundling services discounts (like ATV, car, and home).

Having security and theft gadgets can also give you discounts. If you belong to the senior citizen group, you might want to inquire about senior discounts as most companies offer a discount. When you are 55 and older, you may score around 10% discount. It will never hurt to ask if discounts are available.

Don’t Speed

One of the biggest things that cause an individual to pay more than what they should for auto insurance is getting tickets. So avoid speeding at all costs. Stay away from traffic tickets and that would mean you are a good, responsible driver, and who knows, a discount from insurance.

Choose the Right Vehicle

Getting a good mid-sized car for your family rather than purchasing that expensive little red sports car may be a more sensible choice to avoid getting high premiums in your insurance. Nevertheless, always check first with the insurance company and what it recommends for lower premiums.

Remember also that insurance policies may vary from state to state. So, the best thing to do is to ask first before signing up. Insurance providers are always happy to recommend great tips to help you on your auto insurance savings. You may want to attend a drivers safety class so you keep away from vehicular dangers, which can shoot up your premiums as you file for a claim.