My boyfriend will be buying his car insurance soon. We are quire clueless on how to do this. I just wanna know, what information are usually asked when getting car insurance?

Mila

Fort Smith, AR

Hi Mila! I know that purchasing car insurance can be pretty confusing. As to your question, here are the usual information that will be asked from your boyfriend, if he applies for car insurance:

• Primary driver and other drivers of the car
• Gender and age of each and every driver in the household
• Driver’s license number of every driver
• Marital status, whether single or married
• Past accidents or moving violations of every driver for the last 3 years
• Driving miles from home to work and vice versa
• Annual driving miles
• Vehicle to be insured, including make, model, and year
• Car insurance status, if has been canceled on not renewed in the past

So those are the usual information that car insurance providers will ask your boyfriend once he looks for insurance quotes. Now, if you are looking for car insurance quotes, then I would suggest you use no other means other than getting it from the Internet. The Internet is a very effective way of finding the cheapest deal for your car insurance needs.

I want to save on my car insurance. Can you give me some tips please.

Halley

Lincoln, NE

We all think of better ways to spend our money. Bottom line is we do this because we want satisfaction. Moreover, we want savings. That is why whether we are purchasing a piece of jewelry or a common commodity like auto insurance, we always find ways to save money.

You read it right. There are multiple ways to save money in auto insurance. Here is how you can do it:

1. Discounts- There are so many ways to get discounts in purchasing auto insurance. You can get automatically qualified for it if you meet their conditions. Most of the time, they are granted to people who have been religiously practicing safe driving thus, having no violations on their driving record. They are also given if you have additional driving courses or training, anything that makes you a safe driver. You can also have discounts if you have maintained good grades as school. Or as simple as installation of anti-theft devices in your car can help you earn the discounts.

2. Deductibles- You always has the option to shoulder a portion of your liabilities. The higher you assume, the lesser your premiums can be. However, you have to be smart in choosing the amount. There is always a catch in here. You might be in trouble if you don’t have the money by the time it will be needed. Therefore, you have to be certain that you can afford what you have assumed.

3. Shopping around- This alone can get you to save a lot of money. Getting into the wrong company can cost you a lot. You do not want to end up purchasing insurance and finding that the other company has a better deal right? Remember, car insurance cost is never alike. Companies have their own ways of computing them.

This is my first time to shop for car insurance and I am really confused with what coverage to choose and what is best offer for me. Can you help me decide?

Mike

Lexington-Fayette, KY

For first time diver car insurance shoppers, they would most likely muse on how much insurance to get. This can be confusing, especially when insurance companies have promising offers.

When you read the coverage of their plans, you will be most likely be tempted to purchase them all. It is understandable since all of us want to be fully covered by the time accidents happen. Who doesn’t want to be liberated from the financial burden brought by accidents? From the looks of it, everyone wants this freedom.

However, when you think about your budget, the chances of being fully covered as in zero dollars spent for accidents may decrease. Most of us are average income earners. Considering today’s economic problems, not all of us will have the opportunity to spend much money getting full coverage for insurance.

For first time auto insurance buyers, here’s what you can do to get great insurance deals, that your money could buy:

• Learn your state limits. Every state has a requirement for the minimum insurance to purchase. This will serve as your baseline data for purchasing car insurance. Most insurance companies have tailored fit their insurance package according to the state’s requirements
• Evaluate the kind of activities you do with your vehicle. You might need more coverage if you use your car more often compared to cars stored in your garage for most of the time.
• Assess the worth of your car. If you have expensive cars, then don’t settle for less.
• If you carry valuable assets in your auto at all times, you might want to get coverage for that. This way, in cases of theft or other unfortunate events, you will be insured for it.
• If your budget permits you, go for higher limits but evaluate the coverage included.

Im turning 50 this month and I am just wondering if I can get any discount from my insurance company? I have a clean driving record for several years already. I just want to lower my car insurance premium a bit.

Martina

Chicago IL

Having a good driving record for years pays off.

Car insurance providers usually offer car insurance discounts for retirees who are getting some type of pension.

Additionally, insurance providers provide discount as well to senior drivers however, the age usually starts at 55 and older.

I suggest that you ask your insurance company if they provide discount if you renew your insurance policy. If you have been with the insurance provider for many years, you can get discounts as well for being a long time customer.

If you drive less and do not use your vehicle very often then you can take advantage of the low mileage discount. Other discounts are having safety features in your car, insuring more than one vehicle etc.

Many insurance companies will provide long-time policyholders with no claims and a clean driving record with a good driver discount.

You may also enroll in defensive driving class to get safe driver discount.

Hope this helps!

I was told that I need to get non standard insurance? What does that mean?

Jane

New York NY

If you are a driver that is considered high risk for insurers because of DUI conviction or multiple traffic violation, it may be difficult for you to find a standard auto insurance. A Non-standard auto insurance is a term to classify insurance sold to drivers whose having a hard time finding auto insurance at standard or preferred rates. Some insurance providers specializes with just non-standard insurance business.

Non-standard auto insurance is usually for motorists who are unable to buy coverage in a standard market which can be due to several reasons such as a poor driving history, DUI, sports car, or insurance lapse in policy, etc.

Basically, if you did not meet an insurer’s standard or preferred risk underwriting criteria, you will end up gong to a non-standard insurer to get the auto insurence coverages that you need.

Expect a high auto insurance cost with non standard insurance especially if you do not have a good driving record. You will need to shop for the better price because cost varies from one company to the other. If you can maintain a clean driving record, you will eventually get cheap auto insurance rate.