Posts Tagged ‘Insurance’

Types Of Auto Insurance Discounts

Published by author on May 29th, 2009 - in Types Of Auto Insurance Discounts

Reader’s Question:

I think getting auto insurance discounts can help me in cutting the costs of my auto insurance here in Illinois. What types of discounts can I get and how else can I lessen my premiums?

David

Rockford, IL

There are a lot of things that you can do to lessen the costs of your auto insurance in Illinois and you are right, getting discounts is one of them. You can get an auto insurance discount if you install safety devices in your car such as steering lock, alarm system and anti-lock brakes. Likewise, you need to make sure that your car is safe and stored in a locked garage at night and parked in a safe place.

Another type of discount that you can get on your auto insurance is for being a good driver. If you keep a clean driving record and have no claims for a certain amount of time (usually for three years), you will be rewarded for this. You will also get a reward or what is called low mileage discount if you meet a certain number of mileage per year. Then, you have to enroll and complete a defensive driving course as you can also get a discount on your auto insurance for this. This will prove that you can be a safer driver, thus lowering the rates offered to you by auto insurance companies.

Aside from getting auto insurance discounts, you can also lessen your premiums by getting higher deductible on your auto insurance policy. Insurance deductible is the money you are willing to pay in case of an at-fault accident before the policy comes in and pays the rest up to your set limits. Also, auto insurance comparison is a proven way to lessen your premiums. If you collect and compare quotes from several auto insurance companies, you are guaranteed to get the best quote that is most suitable for you.

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How To Get Student Auto Insurance Discounts

Published by author on May 28th, 2009 - in Student Auto Insurance

Reader’s Question:

As a student here in Delaware, how can I be able to save on my auto insurance coverage? I need to be practical so I have to remember the things that can help me save money.

Kurt

Brandywine, DE

With the help of a little research, you can be able to save money on your auto insurance coverage. You have to understand first the requirements for your auto insurance and know the available discounts. In the state of Delaware, it is required for a driver to get at least $15,000 per person and $30,000 per accident for bodily injury and $10,000 for property damage. Delaware also uses a Tort system that requires the at-fault driver to pay the damages for all the people involved. You also need to get personal injury protection or PIP coverage of $15,000 per person and $30,000 per accident.

To get all the savings that you can on your auto insurance, you should get all the discounts you qualify for. These include:

Good Student
If you have a GPA of 3.0 or better in school, you can qualify to get this discount with the auto insurance companies that offer it.

Defensive Driver
If you have finished a defensive driving course, you can qualify for this type of auto insurance discount.

Safety Devices
If you install safety devices in your vehicle, you will be considered less of a risk by auto insurance companies and you may be offered a discount on your auto insurance for it.

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How To Get a Lower Rate On Auto Insurance

Published by author on May 26th, 2009 - in Auto Insurance Saving Tips

Reader’s Question:

I quite don’t know what to do to make sure that I would be getting the right auto insurance for myself. Can you give me some shopping tips that could help me shop the wiser way for my auto insurance needs? I would really appreciate anyone’s help! Thanks!

Lana

Indianapolis, IN

Hi Lana! When I bought my auto insurance for the first time, I got this tips from my dad. And these all proved to be very useful when I was still shopping for my auto insurance needs before:

  • Do not be contented with the first auto insurance policy that you found instead shop around.
  • In getting your auto insurance needs make sure to get it from a trustworthy insurance company or insurance agent.
  • Check with your state’s department of insurance to find out if the insurance provider or the insurance agent is licensed to conduct business in your home state.
  • When answering insurance application, make sure to answer in honestly.
  • Never sign a blank document or any document you have not read, or fully understand.
  • Never pay cash but instead pay using check payable to the insurance provider. Do not forget to include the kind of the auto insurance policy that you are paying for.
  • Read carefully your insurance policy.
  • Review and compare your application policy and your insurance policy. If there are any omission or error inform your insurer right away.
  • If your auto insurance application is declined, ask for the reason why.

If you’re ready to get your auto insurance now, you may want to begin shopping for auto insurance quotes. I’m hoping you’ll get a very good insurance deal.

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Need Cheap Teen Car Insurance: How To Get It?

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

Reader’s Question:

I am a mother of two teen drivers. I am about to get their auto insurance and I’m quite afraid because I know that teen auto insurance are very expensive. What can I do about this?

Maria

Idaho Falls, ID

Hello there Maria. I am a mother of teen drivers too and I exactly understand where you are coming from. But don’t worry that much, you can get low cost teen car insurance and here’s how you can get one:

First, think very carefully about the vehicle you are about to buy for your teen drivers. Remember this rule – the more expensive it would take for insurers to repair and/or replace a certain car the higher your auto insurance rates will be. So for your teen drivers it would be logical to get low valued vehicles for now.

Second, encourage your teen drivers to study more in school. A GPA of 2.0 or B or higher could qualify them for insurance discounts that could give them better teen car insurance rates.

Third, teach your teens the importance of driving their cars less than often. If they have low annual mileage they could get cheaper car insurance rates.

Fourth, enroll them in a defensive driving class. Car insurance companies will also give them lower insurance rates if they have finished a driver’s education course.

Lastly, shop and compare car insurance quotes. One great avenue in finding car insurance quotes would be to use the Internet. Just make sure to get multiple insurance quotes then carefully compare them. You can compare the price, coverages, and the insurance provider’s rating.

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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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Need To Get Cheap Auto Insurance

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

Reader’s Question:

I’m a teen driver and I am well aware that teen auto insurance rates are astronomical. Can I still get insurance policy that is within my budget? Help is badly needed here. thanks!

Regina

Tallahassee, FL

Although teen auto insurance in most cases can really be expensive, there are still ways to get cheap teen auto insurance so you don’t have to worry that much Regina.

For one, you must remember to drive carefully at all times. As you see Regina, the reason why insurance companies set higher insurance rates for teen drivers is because teen drivers are high risk drivers. Why? It’s because teens do not have enough experience yet on the road. So oftentimes, they are involved in accidents. So as much as possible, do NOT even think about getting traffic tickets under your name and worse, even getting into an accident. In the long run, insurers will lower your insurance rates if your driving records will stay clean.

Another, make sure that you aim for an average of 2.0 or higher because this will significantly help you get lower auto insurance rates.

Also, if you still haven’t decided on the kind of vehicle you will be operating then this is the right time. Get a vehicle that is inexpensive. This will also lower your auto insurance rates.

Plus, consider increasing your deductibles. It would be better to get a deductible of $1000 instead of $500 because this could also lower your insurance rates.

Lastly, do NOT consider buying your own insurance policy yet. If you can be added under your parents insurance policy, the better. You would get lower insurance rates for that.

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Simple Car Insurance Money Saving Tips

Published by author on May 23rd, 2009 - in Auto Insurance Saving Tips

Reader’s Question:

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.

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Need Lower Car Insurance Rates

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

Reader’s Question:

Can you give me some tips on how to lower my car insurance rates? I feel like I am overpaying for my insurances.

Gene

Indianapolis, IN

Car insurence may not be a basic human need but it is indispensable since most of us own cars. It is a basic requirement of the state for you to legally operate your vehicles. Despite being mandatory, some people still don’t purchase them. Times are hard and people barely afford to put food on the table. That is why it seems easy for them to eliminate this expense to allot their money on more important things.

However, car insurance isn’t pricey at all times. Just like purchasing other products, there is always a way to buy better deals at a lower price. Knowing these methods will help you pay for a more affordable insurance and get you out the risk of driving without them.

One method to use is by comparing the prices or quotes from various insurance companies. Check the prices versus the coverage. Seek opinions from other people you can trust. Then make a decision.

Second method is by choosing your car wisely. Always remember insurance companies also base their rates on the type of car you have. Safe cars have lower car insurance rates. For fancy cars, expect higher premiums.

Have you ever heard of bundled services for your internet, phone and cable? People have left their dial-up services to consolidate their services from one provider. The reason behind it: services are cheaper. This is the third method that you can use in order to get lower car insurance rates. Get all your insurances (life, homeowners, renters and car insurance) from one company.

Fourth method is to avoid getting in trouble with your creditors. Ensure that you will always be responsible in paying your debts and maintain low credit balance. Doing so will lower your car insurance rates.

Last but not the least; learn other means to discount your car insurance premium. Do not forget to ask your agents about it.

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What Happens To Car Insurance After a DUI Conviction

Published by author on May 23rd, 2009 - in DUI / SR22 Insurance

Reader’s Question:

What will happen to my car insurance after DUI conviction?

Terrence

Baton Rouge, LA

Alcohol equates problems. It doesn’t only bring physiologic problems but it can also cause mess in highways. In United States, over 250,000 people died of car accidents correlated to alcohol intoxication. Moreover, Center for Disease Control and Prevention ascertained that 36 people die in US daily due to drinking and driving. If you do the math, over 12,000 lives can be lost in a year.

If you created accidents like this, not only will you snowed with guilt but you will also be decked with financial problems. Your license will be suspended and by the time you restore it, it’s going to cost you more.

Yes, it is true. Having your license restored will be costly. You have to pay the fines, your DUI car insurance costs would go up and lastly, you would be to file an SR22 car insurance.

So what’s an SR22? If you have not been convicted of driving violations like DUI, then you will not need this. This is just a document reinstate by the state to remove your suspension. Just as long as it is on file, you will be eligible to drive again; granted that your car insurance has not been removed.

Yearly maintenance of SR22 can be expensive; what more if you have to maintain it for 3 years (the very least). That is why it is most important that you shop around to compare the costs. SR22 can be provided at a decrease price basing on the elements that affect car insurance.

After getting SR22 car insurance, you can easily have your license restored. Certain companies can handle it for you overnight but with a certain fee of course.

Isn’t all of this a total annoyance? Therefore, the next time you drink and drive, think of the SR22,the fines and the DUI insurance that you have to shoulder.

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Tips For Buying Car Insurance

Published by author on May 23rd, 2009 - in Auto Insurance Saving Tips

Reader’s Question:

What do I need to know before I buy car insurance?

Mel

Cincinnati, OH

A prudent car insurance buyer would never believe everything a salesman would pitch-in. Should you be a wise buyer in purchasing car insurance, then never let insurers tell you what’s best for you. You might just get ripped-off. To determine the right amount of coverage for your insurance, imagine of what you want to happen at times of accidents. Then ask yourself if it is a practical choice.

In a world where accidents are possible, the best choices for any person to do is to be insured. No matter how safe you think your driving skills are, you can never tell what meets you on the road. This clearly denotes how needed a vehicle insurance is at all times.

People have been buying car insurance. Having been explained repetitively, we still have uncertainties on how much insurance should be obtained. Despite the minimum requirements established by the state, we still wonder if this is adequate to cover for our liabilities at times of accidents.

If you get a lowest coverage required by the state, would this be enough to pay the cost of repairs for your vehicle after a terrible collision. If at fault, will the minimum liability be enough to cover those who you have greatly inconvenienced? Would you assets be sufficient to provide for your shortage? Will I have sufficient to pay for my medical expenses in a worst-case scenario? On the other hand, will I able to cover for the medical expenses of my victims? Is it practical to let the company pay for everything without you having to shell out a single cent?

Simple questions like this can help you evaluate how much car insurance you should be getting. The bottom-line is to make sure that the amount you get puts you in a win-win situation at all times.

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