Posts Tagged ‘Safe Driving’

How To Get Affordable Auto Insurance in California?

Published by author on May 28th, 2009 - in Need auto insurance

Reader’s Question:

I need to take note of the important things that impact my auto insurance premiums here in California, will you help me out on that?

Rafael

Fremont, CA

There are mainly five negative and positive things that could impact your auto insurance premiums in California. The negative things include:

Accidents
You will be considered high risk by auto insurance companies if you have been to a lot of accidents, thus getting higher premiums for your auto insurance.

Speeding Tickets
You will also get higher rates on your auto insurance if you have a lot of traffic tickets and speeding violations.

Bad Credit History
You will be considered irresponsible and higher risk by auto insurance companies if you have a bad credit history.

Age
Most drivers under the age of 23 get higher auto insurance rates than other drivers.

Adding a Teen Driver
If you are a parent and has a teen driver listed on your auto insurance policy, this means higher premiums because statistics show that teen drivers have high accident rate.

To turn these things around, take note of the following positive things to get lower auto insurance premiums.

Safety Devices
Installing safety devices on your vehicle would definitely help you get lower rates on your auto insurance.

Garage
Make sure that your vehicle is parked in a locked garage during night time to avoid theft and vandalism.

Low Mileage
The less you drive, the lower the risk of getting into an accident, thus lower auto insurance costs.

Extra Brake Light
To aid in avoiding other drivers to bump into you from behind, make sure you install this in the rear windshield.

Safe Driving
If you don’t get into accidents and be a safer driver, most auto insurance companies will reward you with discounts.

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Need Cheap Young Drivers Car Insurance For 16 Year Old

Published by author on May 26th, 2009 - in First Time Driver Insurance

Reader’s Question:

I am 16 years old and I am planning on getting my own vehicle. I was wondering what the car insurance rates would be considering I am 16? Is there a way I can lower it?

Trish

Fairfield, CT

Do not be surprised if your car insurance premium is higher than you dad’s. That is because insurers, as a general rule, charge more to those who are more prone to accidents. Nobody’s accusing you of being irresponsible, but statistics has it that young drivers get involved in accidents more frequently than their older counterparts. After choosing the right vehicle, you must also look for the best insurance deal. Spend a few minutes and learn how to save a few or even a hundred dollars on your first car insurance purchase.

‘Cool’ isn’t that cool

Aside from being very expensive to maintain, sports and muscle cars have very costly premiums. You might want to choose an ordinary sedan. After all, everything boils down to mature attitude and safe driving.

Take time to learn more

Enrolling in more advanced driving lessons will chip a few dollars off your premium. Just be sure to pick those programs that are acknowledged by your state. Also, check out if the school you are enrolling for is recognized by your company.

Good achievers are better drivers

If you have excellent academic records, you qualify for another discount benefit. Companies generally grant students with 3.0 or higher GPA a 10% decrease from insurance premiums.

Let them know how far you are from home

Car insurers also offer discounts to students who live away from their homes. Discounts differ from one company to another so be wise enough to compare car insurance quotes before select your insurer.

Join the club

You can get a lower premium when you select the same company that insures your parents. Teens who join as a group acquire additional discounts, too.

Keep the traffic officer away

Keep your traffic record clean and you will pay less on your next payments. So keep that foot light on the gas and stay away from intoxication because your premium increases with every violation you make.

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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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