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!

Car Insurance on Rentals

July 20, 2014 by  
Filed under Car Insurance, Featured

Every time you rent a car you are asked what kind of insurance you would like. The options are generally to take none, which costs nothing, or you could cover liability insurance, which should cost about $10 per day.

Then you have a variety of options to cover the rental car itself, these prices vary from company to company and state to state. The full coverage option, which includes liability, passengers, and the rental car usually, comes to about $25 to $30 a day.

Credit Card Coverage

Make sure you check with your credit card company and your auto insurance company before you get extra insurance on your rental car.  Most insurance companies will cover a rental car depending on your policy. Credit card companies may also cover your rental car so check with them to make sure before you purchase insurance through the rental car company.

Many times people pay extra because the rental car company tells them that their private insurance won’t cover the rental, but in most cases this isn’t true, so do your homework and double check before forking out the extra cash.

Cheap Car Insurance For Teens

July 20, 2014 by  
Filed under Car Insurance Tips

Car insurance rates are based on age and driving experience as well as driving record. The best way for teenage drivers to work their way into better rates is stay on their parents policy in order to gain driving experience and a driving record. There is a good chance that after three years and a clean driving record that a preferred policy from the parent’s insurance company can then be issued on the teen drivers that want to have their own car and pay for their own insurance. There are numerous discounts for the young driver today. Some companies give discounts for good students that carry a 3.0 grade point average in high school or college.

Vehicles Make a Difference – The younger the driver the higher the rate. The rates are very high for young drivers on newer vehicles that require full coverage. Older vehicles that only require PL/PD coverage as a minimum state requirement is one way to cut costs for the teen driver.

Remember the sportier and newer the vehicle, the higher the insurance is going to be for an inexperienced teen driver!

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.

Best Tips For Auto Insurance Savings

June 18, 2010 by  
Filed under Car Insurance Tips

You must know that the auto insurance market is highly competitive so there is a good chance for you to spot one that will truly compensate your needs. Many of these auto insurance providers claim that they are the best among the rest and that they have what it takes to be called number one. Of course, they want to establish a reputation that will place them in the market’s pedestal so they get to offer their clients more choice, promotional schemes, as well as exemplary policy packages. Hence, you should take advantage of these things.

It is important that you look into the various companies that have their portals online. Shop around for quotes from at least five of the online companies and then compare them. Check out the coverage, their pros and cons, and the premium rates. If you want to save on your auto insurance policy, you better not sacrifice the benefits of the coverage for a cheaper price.

Why Get Auto Insurance Online

When you buy a car, you don’t just spend your money on it because it has amazed you but it is because it is a reflection of your own personality. Thus, you need to ensure that your vehicle is secured. One way of ensuring this is by procuring the auto insurance plan that suits your needs. When checking on the quotes, the best place to start with is online. This means you don’t have to go through the agony of visiting the office of the policy provider or wasting your time because doing it online can save much of your time and effort.

A Bit of a Warning

In some small and very inconspicuous ways, there are online companies that get to cheat their clients by means of demanding some fees for the inquiries and quotations. Therefore, you should know how to read between the lines. If you are trying to access the quotes as offered by a company, be certain that you fully look into the conditions before you say yes. You can always place a call to their hotline to validate such claim.

Because of the competitive market these days, many of the auto insurance companies feel that they are on the losing end. Thus, they need to deceive their clients just so they can sell the policy. Take note that the attitude and approach of these auto insurance providers differ from one another. They do employ a variety of promotional marketing however some of them include additional hidden charges which will affect you as the customer in the long run.

Fail Proof Ways To Get Auto Insurance Savings

It pays to shop around. Remember that not all insurance companies are made equal and their auto insurance prices surely vary. Ask for price quotes from different companies for you to discover which of them charge higher or lower. Don’t settle on the company that approaches you first. By shopping around, you’ll be able to see the one that offers the lowest auto insurance quote.

It is also important that you avoid getting a speeding ticket. Why? It is because you’re driving record always matters when it comes to the price of your auto insurance. If you consistently get an over speeding ticket, expect your insurance rates to go up. So if you want to keep your rates low, drive safely and avoid speeding to maintain a good driving record.

While all of us are drooling over certain vehicle model, it isn’t really practical to get the car of your dreams when talking about auto insurance. Even if that sports coupe you’re dreaming of for many years now will be one of the coolest driving machines in town, you must stay away from it if you want to get the lowest possible auto insurance rates. The secret here is to settle on sensible cars or those travel buddies that aren’t on top or aren’t even included in the list of theft or accident reports.

It is also a good idea to avoid filing claims. Some auto insurance companies will not tell you this but once you file a claim on your insurance policy, the more likely your rate will go up. So to avoid high insurance premiums, stay away from filing a claim. Also, if you file claims over and over again, insurance companies will tag you as such and this will result in auto insurance price hikes.

And aside from giving you peace of mind, installing car security devices also gives you lots of savings on your auto insurance premiums. How? Well most insurance companies give discounts for every safety and security device installed in your ride such as automatic safety belts and car alarms.

Some of these devices come standard on several vehicles while most come optional and can be installed in your ride anytime you want to. They are widely available in most auto-part stores online and offline. There are also some sates that give discounts for some vehicle features like window sketching.  So if you really want to see a difference on your insurance rate, equip your vehicle with as many car security add-ons as possible.

Save On Auto Insurance – Be A Defensive Driver

June 18, 2010 by  
Filed under Car Insurance Information

Most insurance providers give their customers a 10% discount on their auto insurance if they take a defensive driving class.

Road rage makes up almost a third of street accidents. Insurance companies know this so it’s a good advantage to them if their customers get classes on defensive driving.

Keys to Safe Driving

To avoid accidents, incurring a bad driving record and getting insurance claim, it’s wise to know how to be safe on the road when you are behind the wheel. Here are some know- how’s on defensive driving.

Safety First

The first thing you should do to avoid accidents when driving is to use your seat belt and make sure that you lock your car. This way, you wouldn’t be thrown out of your vehicle if ever you collide with another car.

Stay focused

Inattentive driving is one of the many reasons drivers meet accidents. Concentrate on your driving when you are behind the wheel. Avoid answering your mobile phone or sending text messages as much as possible. Though Hands-free devices are now available for your phones, it’s still not advisable to take a call when driving as your attention is divided between the road and the person that you’re speaking with.

Be alert and aware of your surroundings

Keep in mind that you’re not the only person on the road. You don’t know how other people drive so it’s important that you are aware of your surroundings. Keep a safe distance between your car and the vehicle in front of you. Try to follow the 2 to 4 second rule to avoid crashing into the car in front of you when it suddenly hits the brakes. Always check your rear and side mirrors.

Be patient

Aggressive drivers get into accidents more often than those who aren’t. Don’t be in a hurry and follow traffic rules all the time. When a driver is not following street rules, let him be. You don’t have to bother yourself and imitate that driver. You always have to be on the look out for yourself. You won’t be able to control another driver’s rage but you can control yours. Give and take is the key to safe driving.

Enrolling in a Defensive Driving Course

Depending on where you live, most of the time, you’d be required to take defensive driving classes before you can get a license. You’d also have to enroll in a defensive driving class of you’re given a ticket because you didn’t follow driving rules.

There are a couple of ways to enroll in a defensive driving class. You can go to your state’s DMV and inquire for their class schedules or you can take these classes online. When you’re done with this course, inform your insurance provider so the company can apply the appropriate discount on your auto insurance.

Whether you are getting into this class to get rid of a driving ticket or because it’s one of the requirements to get a driver’s license, keep in mind that a defensive driving course would be very beneficial to you in the long run. Not only would you know the right way to drive and act whilst behind the wheel, but you’d also get a discount on your auto insurance. All these should be enough to convince you to take a defensive driving class.

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.

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