Posts Tagged ‘Cheap Car Insurance’

Need To Get Cheap Car Insurance Rates – How To

Published by author on May 26th, 2009 - in Need auto insurance

Reader’s Question:

I’m helping my boyfriend find low cost car insurance. What should we do?  We need cheap car insurance like today!

Rose

Atlanta, GA

Believe it or not Rose but getting cheap car insurance is quite easy. Here’s how.

First, you need to remember that your boyfriend’s driving records plays a significant role on how much he will be paying for his auto insurance. Insurers will dig into his driving records to see any violation or accident he’s been involved with. This includes minor violations like parking tickets to even serious like a DUI conviction. The more violations and accidents your boyfriend has, the higher his auto insurance premiums will be.

Second, your boyfriend’s credit score also has a say on his insurance rates. If there are unsettled loans, he better start cleaning up his credit history to get lower auto insurance rates.

Third, it could also help him get better insurance rates if he would drive his car less frequently. With that he could get a discount for low annual mileage.

Fourth, get a secured parking place for his vehicle. If your insurer found that his parking place gives enough protection to your boyfriend’s car then he may also enjoy getting lower auto insurance rates.

Fifth and lastly, get safety devices like airbags and car alarms and have those installed in his car. These things would also help you find better insurance deal for your boyfriend.

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What Auto Insurance Coverage Should You Buy

Published by author on May 23rd, 2009 - in Need auto insurance

Reader’s Question:

Im having a hard time deciding on what car insurance coverage to choose. I need some help on how to determine what car insurance coverage to choose.

Carl

Kansas City, MO

On purchasing insurance, one of the first few things you have to decide on is the auto insurance coverage. The coverage you will opt of must comply with your state’s least requirements. However, you may decide to go above the requirements and obtain further coverage which might serve you well in the future. Reflect on how much you will call for before picking any of the following auto insurance coverage:

1. Bodily Injury Liability

This covers you if you initiate an accident that result in other people’s injury or death. This will also covers you from charges should the injured party choose to take legal actions against you. Since this coverage involves persons, it is quite expensive.

2. Property Damage Liability

This covers you when you damage another person’s vehicle. Same goes if you plow a fire hydrant, a tree, a fence, or any other non-moving object.

3. Collision Coverage

This settles your bills when you car gets damaged in a crash with another automobile and immobile objects as well. You are not obliged by law to obtain this. However, it will help to have personal protection for your vehicle, especially if you are driving a Ferrari.

4. Comprehensive Coverage / Other than Collision

This shields you should your car get damaged from causes other than collision. This covers damages caused by natural phenomenon such as storms, earthquakes, hale, etc. This also protect you from fire and theft. If you are residing in a neighborhood that is prone to theft or natural disasters, expect your premium to be high on this one.

5. Uninsured Motorist Coverage

Assists you if the uninsured passenger in your car obtains injury during an accident.

There are further car insurance coverage but these are the most common and important. Take time to do research and decide prudently which coverage you will avail.

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Need Cheap Car Insurance For Teenagers

Published by author on May 21st, 2009 - in Need auto insurance

Reader’s Question:

Hi, I’m 18 years old. How can I get cheap auto car insurance for teens?

Katie

Indianapolis, IN

Teenagers are considered by car insurance companies as risk drivers because they are more aggressive in driving than any other group of drivers. In this case, car insurance companies offer young adult drivers with a relatively high car insurance premium. With other financial obligations that you have, it is important that you find cheap car insurance for teenagers. Whether you are already financially independent or financially dependent to your parents, finding cheap car insurance can help you save money for your future need.

Safety features in car can help you find discounts or cheap your driver’s car insurance. Cars installed with these safety features pose less risk to car insurance companies. Examples of these safety features are automatic seatbelts, daytime running lights and antilock brakes. Auto clubs like American Automobile Association can also help you save a few amounts on car insurance. Collision and comprehensive car insurance coverage should be dropped for old cars. The worth of your car may be lower than the amount that you are required to buy so paying for the collision and comprehensive coverage is not worth it. When you get married in your early twenties, your premium may change because car insurance companies believe that married people are more “stable”, and thus less risky than those who are not. This in turn will lower the car insurance premium.

You can also cheap car insurance for teenagers by remaining in the policy of your parents because your parents are viewed as low risk drivers by the car insurance company. If you still live with your parents, you are eligible to do this. Nonetheless, if you have your own car, most of the car insurance companies require a separate car insurance policy. This can help them determine the owner of the car.

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Need Cheap Auto Insurance Quote

Published by author on May 20th, 2009 - in Need auto insurance

Reader’s Question:

Are there things I can do to get cheap auto insurance quote?

Mark

Boston, MA

Cheap car insurance is possible. Aside from the fact that you can shop and compare the car insurance rates of different car insurance companies, there are also factors that can be controlled and can help you get cheap car insurance rate. What you need to have is the knowledge which is the controllable and uncontrollable factors.

a. Young adult drivers are more considered as risk drivers because they are more aggressive than any other group of drivers. Because of this, car insurance companies usually charge young adult drivers with higher car insurance premium.

b. Gender is another uncontrollable factor. Statistics shows that female are safer driver than men. Thus, the former group receives cheap car insurance rate.

Although there are uncontrollable factors, there are also controllable factors. Here is the list.

a. If you drive in rural areas, there is a greater probability that you will receive lower car insurance premium than those who drive in urban areas. There is a higher chance that collision and stolen cars happen in urban areas and thus the premium offered is higher to compensate for the risk. If it is feasible in your situation, move from urban area to rural area.

b. Good driving record creates good impression to car insurance companies that you are a responsible driver. In this case, they may offer cheap car insurance or discounts. Poor driving record means you have moving violation or even a single speeding ticket.

c. Sports cars are usually charged with higher auto insurance rate. This type of car poses high risk to car insurance companies because it can be driven in ways that can cause traffic accidents and crashes. If you have an old car, it will be better to stick with it.

d. There is a correlation between risk and occupation. If you work as a pizza delivery guy, there is a higher chance of being involved in an accident because you drive more often.

e. Poor credit history or no credit history at all can also increase your car insurance premium.

Factors like driving experience, business use of cars and the mileage that you drive and safety features can also affect your car insurance premium.

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Need a Cheap Car Insurance Company

Published by author on May 19th, 2009 - in Need auto insurance

Reader’s Question:

They said car insurance rate is getting lower over the years, well I dont think so. I think I am paying more for my insurance. You see, I do not have a job right now but I definitely need a car. So, where can I get this cheap car insurance company?

Rick

Houston TX

It has been said that car insurance rates in the US have dropped in the past few years. But in reality, auto owners are still paying $300 or more on their monthly premiums. With the current economy US is having, many citizens are on a tight budget. With that said, everyone is finding a way to ease the financial burden and one way to save money is through vehicle insurance.

If you want to save on car insurance, you need to shop around. The internet is a perfect place to find the best vehicle insurance rate. There are lots of car insurance website who will be happy to offer a quote for free. This can be an advantage for every auto owner since premiums can differ by hundreds of dollars from company to company and of course, that’s for the same coverage. Aside from the truth that you are saving in terms of money, you can also save on time and energy since you don’t have to go out of your house and you can acquire quotes from a single provider in less than 5 minutes.

There are also car insurance comparison site that can give multiple insurance quotes from different cheap car insurance companies. This is a much faster way to gather quote but the only downside of this is, sometimes, the quotes that are shown is limited to five car insurance provider. Combining these two ways of acquiring quotes has a high success rate of finding the best rates so be sure you do both.

But it doesn’t just stop there, you might find the best rate but for security reasons you have to do background check on the cheap car insurance company that you might possibly choose. There’s a lot of scammer out there who sell auto insurance coverage that’s fake. There might also be a chance that they are legit but when it comes to filing claims, they will make you wait for months and you’ll end up clueless. It’s easy to tell if a car insurance carrier is capable of paying claims, visit your states insurance department and see if there are any complaints against them. You can also visit websites of various organizations that rates car insurence company by its performance and financial standing.

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I Need a Cheap Car Insurance Rate

Published by author on May 13th, 2009 - in Need auto insurance

Reader’s Question:

Im tired of paying high car insurance rate? Is there even such a thing as cheap car insurance? If so how can I get this? Thank you in advance.

Ron

Miami FL

Car insurance companies want to avoid the risk of paying more so they charge relatively high car insurance premium. As a buyer, you want to avoid paying more from the high insurance premium so you look for cheap car insurance premium by shopping for car insurance rate. Other than shopping, there are other things that you can do to make cheap car insurance rate possible. There are controllable and uncontrollable factors.

a. Because teens are aggressive drivers, they are likely to get involved in a car accident. This group is then charged with high car insurence rate.

b. Another uncontrollable factor is gender. Based on statistics, female are safer drivers than male. Thus, the former receives cheap car insurance rate.

You can make rate cheap by controlling the following factors.

a. Collision and stolen cars are more prevalent in urban areas than in rural areas. In this case, auto insurance rate is higher in urban areas than in rural areas.

b. If you have a good driving record, you are likely to receive lower rate or discount because insurers will think that you are a responsible driver. Moving violation and even a single speeding ticket can make you look like a reckless driver.

c. Sports cars or new model of cars pose high risk to car insurance company. If you want to purchase cheap car insurance rate, stick with your old car, if you have one. If you plan to buy a car, purchase a car that is cheap but has all the features that you need.

d. The kind of occupation you have correlated by car insurance companies to risk. If your work is delivering pizza, for example, you are also likely to get into traffic accidents or crashes because you are always on the road. In this regard, car insurance companies will charge you with high car insurance rate.

e. Keep a good credit rating because car insurance companies also use this to evaluate the risk you pose. If you don’t have any credit history, get one. Otherwise, car insurance company will automatically assess you as a high risk driver.

Other factors that you need to consider are driving experience, business use of car, safety feature devices and the mileage that you drive.

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Need Car Insurance For New Driver

Published by author on May 13th, 2009 - in Need auto insurance

Reader’s Question:

I just got my license and this is my first time to get auto insurance. Im on my own so I will not be added to my parent’s insurance. What do I need to know. Please help!

Helen

Boston MA

If you are a new driver, you need to know the basic things about the auto insurance policy. There are factors that affect car insurance premium. Since you are a new driver, car insurance companies will usually offer higher auto insurance premium than the standard auto insurance rate. If you think you need cheap new driver car insurance premium, rates should not the only thing that you need to consider. Here are some of the things that you need to know.

a. Consider the amount of new driver car insurance rates that you want to buy. These may depend on different factors. You can consult your car insurance agent to evaluate your needs. The least amount that you need is your state’s minimum required liability. There are additional coverages such as comprehensive and collision coverage that will protect your car in case of collision or if it has been stolen or vandalized.

b. Once you know the coverage that you need, you can now shop for new driver car insurance rates from different car insurance companies. This is the basic step to finding cheap car insurance. When you shop, don’t forget to consider the coverage. Cheap new driver car insurance rates seem attractive but this may also mean fewer benefits and features. Furthermore, also consider the financial strength of the company and those with excellent customer service. These are the things that matters in the long-run.

c. Because a policy is a legal contract, make sure that you understand what is indicated. If there are things that you don’t understand, clarify with your agent.

Here’s the information that you will find in the policy.

  • Name of the person covered in the policy
  • The limitations and exclusions that will apply
  • The coverage period
  • The amount included in the coverage
  • The amount of premium on the coverage
  • Process when you file a claim or report a loss

d. When you have your new driver car insurance policy, monitor and update it periodically.

e. Do not forget to shop around for cheap car insurance. You can find comparison websites just like you see above wherein you can compare various companies with just putting your information once as opposed to getting quotes for each insurance companies which will take a lot of time.

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I Need Low Cost Full Coverage Auto Insurance

Published by author on May 12th, 2009 - in Need auto insurance

Reader’s Question:

How can you get low cost full coverage auto insurance in your policy?

Jean

Chicago IL

There are various ways to get cheap car insurance. Read on.

1. Shop around for auto insurance quote. Insurers change their rates all the time and rates vary from one company to the other. Make sure you always shop around to see which company offer the best rates.

2. Choose efficient vehicle. Hybrid cars are said to have low cost for repairs.

3. Maintain a good driving record. Some insurance companies provide safe driver discount with a policyholder that has a clean driving record.

4. Keep your policy active. Avoid having lapse in your policy.

5. It is advisable that before you buy a car, check the insurance cost first

6. Drop collision and comprehensive if you have an older vehicle.

7. You can get discount if you purchase more than one insurances from the same company. You can get as much as 20% discount if you can get homeowners or renters insurance as well.

8. Make sure that you keep a good credit rating. Auto insurance companies check your credit record when determining car insurance rates.

9. If you drive less, you may be eligible for low mileage discount. Remeber to inform your insurance company on your next renewal.

10. Choose the highest deductible that you can afford.

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