Temporary Car Insurance – How Does It Work?

Maybe you are familiar with the term, temporary car insurance, but do not really understand what it means. In the following information, we will explain the definition of temporary car insurance and how it works.

Definition: Temporary Car Insurance

Insurance companies understand that their customers have certain needs or situations that may require special assistance. Temporary car insurance is an example of such coverage that works to protect policyholders. Temporary car insurance policies protect individuals, in situations when their existing policy does not provide adequate coverage.

Examples: Temporary Car Insurance

An example of this type of insurance is when someone wants to take a test drive with a vehicle they’re thinking of purchasing, and they’d like to go farther than the dealership’s insurance will protect — temporary car insurance would be an ideal solution to their problem. In the event of an accident during a test drive, the temporary insurance will cover the costs without affecting the driver’s or the dealership’s insurance. Therefore, if you are the one driving — your insurance will not go up.

Temporary car insurance is also ideal, if you are traveling or going on vacation with friends and family. If you share driving responsibilities with other family members, each of the drivers may be listed on the temporary insurance policy, and regardless of who is driving, in the event of an accident — you will not be held, personally liable.

Another situation where temporary insurance would come in handy is if you are borrowing a truck, van or car to transport several people or move furniture. The temporary car insurance will allow you to do this while being fully covered. In the event that the vehicle is stolen, wrecked or vandalized, the temporary car insurance policy will pay the costs to replace or repair the vehicle.

Flexibility: Temporary Car Insurance

Temporary car insurance policies offer incredible flexibility. Policyholders are able to list any number of people who will be driving the particular vehicle. In addition, temporary insurance allows the policyholder to customize the insurance to meet their specific needs. This type of insurance provides immediate coverage, if you are driving a new car off the lot or taking a leased SUV on your family vacation — temporary car insurance is there to keep you safe and protected.

Additionally, temporary car insurance can be very cost-effective and provides daily insurance rates. If you only need coverage for one day, you can pay for a 24-hour period and not have to worry about paying long-term for coverage.

Terms: Temporary Car Insurance

Temporary auto insurance works great for any licensed driver between the ages of 21 to 75 years in age. A temporary car insurance policy can last for anywhere between one to 28 days. While there are limitations to getting temporary car insurance, the terms can vary between various providers. Therefore, you will need to speak with your insurance provider about any limitations prior to buying a short-term (or temporary) car insurance policy.

Temporary car insurance is a great way to ensure that you are protected in any situation, regardless of the circumstances or short-term period.

Top 5 Best Auto Insurance Companies

People have different reasons for why they choose a certain auto insurance provider; some prefer a particular company for the price, flexibility, reliability or financial stability of the company.

The “experts” make lists of the best car insurance companies based on how the company looks on paper, but the consumers are the ones who actually have experience in dealing with the insurance companies.

If you are searching for a new insurance company, visit the State Department of Insurance website for your state. This site lists customer complaints for every insurance provider in the state. 

The following “Top 5” companies are ranked in various orders on different top five car insurance lists across the internet. However, it may already have become clear that consumer opinions across the web can vary, therefore, consider the advice of your friends, family and peers when it comes to making the final choice.

Read our guide to the top five best auto insurance companies.

  1. State Farm — Due to the longevity of this insurance provider (established in 1922), State Farm has become one of the most trusted and respected insurance companies in the U.S. While State Farm offers higher rates than most insurance providers (rated three out of five on pricing), policyholders appreciate this company for two big reasons. Consumers are satisfied with the excellent customer service and fast claims handling, when they need to file a claim. In terms of customer ratings, State Farm received a perfect five out of five for customer service and a four out of five in terms of Policy Offering and Billing/Payment.
  2. Progressive — The majority of consumers are satisfied with Progressive. However, many are unhappy with the fact that policyholders need to have separate policies for every vehicle they own. However, many insurance shoppers appreciate being able to compare Progressive’s quote with the rates of up to three of their top competitors.
  3. Allstate — Allstate was founded in 1931, which has helped to establish a wide customer base, a reputation of quality and has led them to become the largest (publicly held) personal lines insurance provider in the U.S. The customer service at Allstate is another aspect to this company that keeps the consumers coming back.  However, keep in mind that most Allstate policyholders have to pay a lot for this service.
  4. Farmers Insurance — Most consumers are happy with the price of premiums at Farmer’s Insurance. However, consumers who have filed claims have discovered that this company has a reputation for fighting claims that are filed.
  5. Esurance — Esurance is a company that is based on the internet, so it makes sense why customers voted this company as the #1 auto insurance website for the customer experience. This company offers free quotes, online policy management, great discounts and 24/7 customer service and claims representatives. 

Finding the best insurance company, for your insurance needs is important. Therefore, insurance shoppers should compare rates to find the best quote, read customer ratings and reviews and ask those around you about their personal experiences with a company before choosing the best option for you.

Car Insurance Calculators – Top 5 Sites That Have Them

Years ago, shopping for car insurance was quite difficult. In order to compare rates, plans and discounts — consumers had to spend hours on the phone, calling multiple insurance companies to find the best option for them. Today, however, shopping for car insurance is much simpler. Aside from having access to tons of information related to car insurance, there are also helpful tools designed to make shopping for insurance — fast and easy. The newest tools for insurance shopping are car insurance calculators. Learn the top five websites that provide auto insurance calculators to comparison shoppers.

Auto insurance calculators make searching for the lowest price for insurance, so much easier. Insurance calculators can be an invaluable tool to consumers who are shopping for auto insurance. The purpose of these calculators is to provide a rough estimate of what you can expect to pay. They are a great way to compare rates from a particular company or several different insurance providers to find the best rate. In addition, to locating the most competitive rates, car insurance calculators also help consumers determine how much coverage they will need, which features are appropriate for their specific insurance needs and they provide an approximate price for what your insurance policy will cost, as well.

Top 5 Online Car Insurance Calculators

1. CarInsurance.com — The calculator at this website, requires visitors to answer a few basic questions related to their marital status, number of children they have and whether they own or rent their home. This independent auto insurance calculator also requests information about the vehicle you will be insuring, your level of education, your age and whether or not you have health insurance. The process takes less than ten minutes to compare the rates of multiple companies, at the same time. Therefore, this car insurance calculator from CarInsurance.com can save you time and money!

2. Bumper-to-Bumper Basics — Allstate Insurance provides a Bumper-to-Bumper Basics insurance calculator that allows you to calculate what your rates will be, with their company. The calculator requests a few pieces of information including information about where your vehicle will be parked, personal information about you and details about other drivers in the household, if applicable.

3.CarsDirect.com — This option provides an independent rate quote assesment for insurance shoppers. Visitors can fill out a simple form with information about their vehicles, the drivers in their household and other information, which is used to calculate car insurance rates for multiple companies. In addition to providing an estimate of insurance rates for several different companies, the Cars Direct calculator also supplies information related to special discounts or deals that you may be eligible for, through various insurance providers.

4. The Coverage Guide — This insurance calculator from Hartford Insurance allows individuals to calculate the amount they will pay for insurance for coverage that meets their individual/household insurance needs. This auto insurance calculator uses information that you provide about any vehicles on the policy, any drivers who will be on the policy and your household income amount (including, any assets) to decide the right type of coverage for your unique insurance needs. After determining which type of policy you will need, the insurance calculator offers suggested coverage limits. Visitors to the site will then, have the option to receive a personalized quote from AARP, The Hartford.

5. Yahoo Quick Estimate – The Yahoo insurance center provides a quick and simple way to get approximate rate quotes with their Quick Estimate feature. In addition to the Quick Estimate features, visitors can receive a more, personalized rate quote with Yahoo’s Personalized Quote feature.

Classic Car Insurance — Where Can you Find it?

Finding insurance for the actual worth of your classic car. However, getting the right amount of coverage for any classic car truck, van, motorcycle or hot rod is essential.

Classic Car Insurance: How is it Different from Basic Car Insurance?

Many providers cover classic vehicles, just like a regular-use vehicle with the same value as any other vehicle, expecting the car to be used in regular-use situations, higher mileage and valuing the vehicle in the same way as any other: the older the vehicle is, the less it is worth. However, there are several insurance providers that offer insurance that is custom-fit for classic vehicles, offering agreed value coverage, lower premiums and coverage that specifically applies to classic, antique and vintage automobiles.

Classic Car Insurance: Requirements

Many of these insurance companies place tight restrictions for classic car insurance. Most classic car insurance providers have strict requirements for where and how the car may be stored. For instance, classic car insurers want the car to be stored/locked up when it is not in a car show. The classic car provider may also require the classic car owner to put anti-theft devices on the car, as well. They will also place a limit on how many miles the vehicle may drive, possibly restricting the driver to 3,000 miles per year. Occasionally, classic car insurance companies will extend the mileage limit to 5,000 per year, but generally, 3,000 miles per year is standard for insuring classic vehicles.

Classic Car Insurance: List of Providers

  • American Collectors Insurance – This classic car insurance provider has classic car custom plans that include agreed value insurance, complete coverage, flexible usage, lower rates, and more. American Collectors provides coverage to classic vehicles in many different categories including cars, trucks, hot rods, motorcycles and other classic restorations. Visit American Collectors at http://www.americancollectors.com.
  • Classic Car Insurance – This classic car insurance provider offers independent coverage for almost any type of classic vehicle. Not only does this insurance company offer lower rates for classic cars, but they also assist in providing financing the purchase of a classic car, as well. These plans also include International Shipping Insurance. You can find Classic Car Insurance online at: http://www.classiccarinsurance.com/pages/aboutus.htm
  • Hagerty – Hagerty provides classic car owners with a list of the categories that they cover, as well as, the necessary guidelines for coverage. Classic car policies with Hagerty include flexible usage, agreed value, no deductible and several other features. In addition, Hagerty provides assistance in matters related to the Department of Motor Vehicles, as well. Visit http://www.hagerty.com/ to find out more about Hagerty’s classic car insurance.

While the three providers listed above, offer classic car insurance — many popular insurance companies may offer specialized policies to classic car owners, as well. The internet is an excellent resource for finding insurance companies who will offer customized classic car insurance to policyholders. In fact, your current provider may offer classic car insurance, all you need to do is ask or visit their website.

Teenagers and Car Insurance – Is it Always More Expensive?

Parents with teens who are about to start driving may have already come to the realization that car insurance for teenagers can be very expensive. However, there may be hope for parents with teen drivers. Read the following information to find out why car insurance for teenagers is more expensive. In addition, we will discuss some top tips for getting lower rates for your teen, as well.

Teen Drivers: High-Risk

Among other factors, insurance companies assess a driver’s risk of being involved in a collision in order to determine their premium rate.

Statistics have shown that teen drivers are more, at risk of being involved in a serious or even fatal car accident. In fact, some studies have shown that teens can be as much as, four times more likely than adults to be involved in a fatal collision. Therefore, insurance companies place teenagers in a high-risk category, which means higher rates.

Why are Teenagers Considered High-Risk?

While it may not be true in all cases, overall, teenagers have a reputation for getting distracted (talking to friends, playing with the radio and texting), driving recklessly (speeding or driving under the influence of alcohol, etc.) and not exercising proper safety precautions when driving — often due to inexperience. Therefore, in an effort to protect their financial investment, insurance companies set the rates higher for teen drivers.

Tips for Getting Cheaper Rates for Teenage Drivers

Everyone can use a few tips for saving money on their insurance, especially parents with teen drivers. Below, are a few suggestions for how to get cheaper rates for your teenage driver.

  • Encourage Good Grades — Many insurance companies offer a Good Student discount to students who receive a 3.0 GPA or higher. Often, this discount can be up to ten percent off the premium, which adds up for parents who are trying to cut corners.
  • Enroll your Teen in Driver’s Education — Insurance companies appreciate driver’s education because it provides teens with the information and instruction they need to be safe drivers. To express their appreciation, most insurance providers offer a discount to teens that complete a driver’s education course.
  • Buy a Cheaper/Older Car — Insurance rates are based, in part, on the vehicle a person drives. Fast sports cars have extremely high insurance rates attached to them. In addition, newer cars are more expensive to insure, as well. Therefore, in order to get cheaper rates — you will want to avoid getting your teen a car that is brand new, fast or considered a luxury car.
  • Teach Safe Driving  — Car insurance rates are based on many different factors, but one of the most critical aspects related to insurance premiums is an individual’s driving record. By practicing safe driving and keeping, their driving record spotless (or as clean, as possible) teens will avoid skyrocketing rates.

While it is inevitable for teenage car insurance to be expensive — these tips are a great way to cut costs and save a little dough for your teenager’s next big expense…college.

Affordable Auto Insurance for Senior Citizens

Senior citizens are some of the most experienced drivers on the road, but sometimes, older drivers have difficulty finding affordable car insurance. However, senior citizens should never pay more than they have to, which is why these tips can come in handy. In this post, you will learn some valuable tips and information about finding affordable auto insurance for seniors.

Senior Driver: Definition

Most people are not aware that insurance companies have specific criteria for who qualifies as a senior. In most settings, anyone who is 65 or older is typically considered a senior citizen. However, in terms of car insurance — senior drivers are those who are at least 55 years old or more. In addition, drivers who are 75+ years in age qualify for an entirely different division of car insurance.

Senior Driver: Rates

Insurance companies understand that lifestyles and driving habits change as people age. Statistics have shown that older drivers are generally, more patient and careful drivers than their younger counterparts are. Typically, senior citizens do not get tickets for speeding or reckless driving. In addition, most seniors do not drive fast or expensive sports cars, either.

Therefore, insurance rates for seniors are calculated, accordingly. Insurance rates for senior citizens are based on several different factors including their age, the type of vehicle they drive and their driving history. Therefore, drivers who are younger than 75 that have a good driving record will pay lower than average insurance rates. Unfortunately, due to factors such as, slower reflexes and deteriorating sight — drivers over 75 will be placed in a high-risk group, which typically results in an increase in their premium.

Tips for Finding Affordable Auto Insurance for seniors

  • Senior Discount – Some insurance companies offer it, some don’t. However, the only way to find out if your current company offers a senior discount is to call and ask. If your current insurance provider doesn’t offer a senior discount or you think you might be able to find a better rate with another insurance company — try the next money-saving tip.
  • Compare Quotes – This is one of the best ways to find affordable car insurance for seniors or any age group, for that matter. There are two ways to compare rates: over the phone or online. Seniors can contact multiple companies, individually (via telephone) or get a rate quote comparison for several different companies, at the same time (via the internet).
  • Other Discounts – There are multiple discounts that seniors can take advantage of — if they are aware of them. For example, seniors who don’t drive very often can qualify for low mileage discounts through some insurance companies. Other discounts for seniors include loyalty discounts (for maintaining a policy through the same insurance company for an extended period of time), good driver discounts (for maintaining a clean record for a set amount of time) and discounts for vehicle safety features (e.g. – anti-lock brakes, air bags and stabilizer control), as well.

Getting older definitely has its advantages, especially when it comes to cheaper rates on car insurance.

7 Tips to Saving Money on Car Insurance

If it’s been a while since you have reviewed your car insurance policy, chances are — you are paying too much for auto insurance. In this post, we will list seven tips for saving money on your car insurance bill.

–  Shop around for the cheapest car insurance — By comparing car insurance rates, policyholders can save anywhere from $100 to $1000 or more on their policy, each year. While the concept of comparing car insurance rates has been around for a long time, new comparison tools make finding the best rates, so much easier. Consumers can select a comparison website that allows them to input some information and in a few minutes, they will receive multiple insurance quotes from different companies — delivered right to their e-mail.

– Avoid paying monthly car insurance bills – Insurance providers can charge at least $5 per month extra for policyholders who pay monthly. If possible, try to pay your bill every six months (or per year). If you have to pay monthly, you can save money by setting up an automatic bill payment for your policy. With the auto pay feature, insurance companies charge less because they don’t need to send out a bill, unless your premium changes.

– Keep your credit record clean – Insurance companies base your premium on a number of different factors, including your credit history. Policyholders with a solid credit history will pay less on premiums than those with flaws in their credit report. Therefore, if your credit is good — keep it that way. If your credit is not in good shape — do what you can to improve your score. Steps that you can take to improve your credit rating include paying your bills on time, eliminating or avoiding getting credit that you don’t need and keeping your balances as low as you can. In addition, it helps to regularly check your credit history, in order to identify any errors and have them corrected right away.

–  Keep your driving record clean – Another aspect insurance companies consider when calculating premiums is your driving record. If you have a good driving record — you will pay less for car insurance. However, if you have had any accidents or violations in the last three to five years — your car insurance bill may be higher, as a result. Nevertheless, there is something you can do to improve your driving record: take a defensive driving course. Defensive driving courses are a great way to clear points off your license, which in turn, lowers your car insurance premium. In addition, if you have a teenager, at home — you can save money on car insurance by enrolling them in a driver’s education course.

–  Drop towing coverage – By removing towing services from your policy, you can save $10 to $50 per year, on your car insurance bill. In order to avoid needing tow coverage, keep your car properly maintained and plan ahead. For example, keep a spare tire in the truck, keep gas in your vehicle and avoid locking your keys in your car.

–  Drop car rental coverage – The cost of renting a small economy car (out of pocket) is about $20 to $25 per day. However, car rental coverage can be anywhere from $20 to $50 per year. By eliminating the extra coverage, you can save considerably on your car insurance bill.

Ask about available discounts – There may be discounts that you are eligible for, but you are not receiving. Therefore, it is a good idea to contact your current insurance provider to ask them if there are any discounts, for which you may qualify. Some discounts you may not be aware of include multi-car discounts (insuring more than one vehicle under one policy), multi-policy discounts (getting car insurance, as well as, homeowners, health and/or life from the same company) anti-theft device discount, low mileage discount, safety feature discounts (discounts for vehicles with air bags, anti-lock brakes and/or daytime running lights), part-time driver discounts (for college students or part-time drivers) and loyalty discounts (for long-time customers).

Auto Insurance Comparisons – What Information Will You Need?

Comparing auto insurance rates is a smart thing to do — not only to get the cheapest rate, but also to find the best plan for you. In the following information, we will explain what you will need to compare auto insurance rates and plans.

The process of comparing rates is simple. The first step is to choose a comparison website. When you have selected a website, you will be required to fill out a form that requests some information about you, the other drivers in your household and any automobiles that will be listed on the policy.

The most efficient way to compare auto insurance quotes is to make sure that you have all of the information you need before getting started.

Before you begin, you’ll be required to have the following information:

  • Your primary e-mail address – A valid email address will be required, in order to receive your quotes.
  • Your home address – Comparison sites need to have the address of where the car will be garaged or parked, in order to deliver the most accurate rate quote.
  • Personal information about each of the drivers that will be included on the policy – For each driver in your household, you will need to list personal information including their names, gender and age.
  • Driving information for all drivers that will be listed on the policy – You will need to have information regarding each driver’s history for the past five years. This includes whether or not they have had a violation or accident in the last five. If any drivers have had a violation, you will need to have the details of any violation(s) including the type of violation, the date of the violation and occasionally, any penalties that resulted from the violation, as well (e.g. – for infractions such as, a DUI or reckless driving). If any drivers who live in the household have been involved in an accident, in the past five years — you will have to state whether or not you (or members of your household) were determined to be, at fault for the accident.
  • Current insurance information -The name of your existing insurance provider and the amount of time you will have been insured under your current policy. In addition, you will need to know the type of coverage you currently have, your liability amounts, deductible amount and whether or not you have collision coverage. If you have not carried insurance, you may be viewed as more of a risk by insurance companies, which could increase your premium amount.

Warning: Some comparison sites request the social security number for all drivers (in order to check on previous driving violations). However, you should never have to enter your SSN to receive quotes. Therefore, if a website asks for this information, you may want to avoid getting quotes from that site, in order to protect your privacy.

It helps to be prepared, especially when comparing car insurance quotes. By staying organized, you will speed up the comparison process, which leads to finding the cheapest quotes and the best plans, in most efficient way.

Cheapest Geico Insurance – What Do I Ask For?

If you are currently insured through GEICO or at least, interested in getting insurance through this well-established auto insurance company — you’ll want to make sure you are getting the cheapest price. However, finding the cheapest price for insurance is not always easy, unless you have the time and energy to do the footwork. Therefore, we have compiled a guide of GEICO discounts to help you understand what you need to ask for to get the cheapest deals for you.

Over 50 Discounts

If you and/or your partner are both over the age of 50, you are automatically eligible for GEICO’s Prime Time contract. This Prime Time contract will be automatically added to your insurance policy whenever you buy a policy or whenever it is due for renewal. Therefore, if you already have an existing policy with GEICO and you are over the age of 50 — you may want to contact GEICO customer support to ensure that you are eligible and to make sure you (and your spouse) have been enrolled in the discount program.

Note: the Over 50 Discount from GEICO is not available in the following states: Connecticut, Hawaii, Kansas, Maine, Massachusetts, Michigan, Montana, Nevada, New Hampshire, New Jersey New York, Oklahoma, Pennsylvania, Rhode Island, South Dakota, Texas, Vermont and Wyoming.

Group Affiliation Program Discount

More than 275 groups and organizations are affiliated with GEICO and therefore, receive special discounts. Members of these associations that are partnered with GEICO will receive discounts on GEICO products, 24-hour service and multi-company coverage. Members of these groups are eligible for savings — up to 8 percent, in most states. If you are part of an organization that is not affiliated with GEICO, but you and your group is interested in receiving special savings and other benefits — you might want to contact a GEICO customer service representative to determine if an affiliation with GEICO is right for you and your organization.

General Discounts through GEICO

*Good Student Discount – students with a “B” average or higher

*Safety Discount – vehicles that have air bags, anti-lock brakes, daytime running lights and other safety features installed

*Good Driver Discount – no accident in the last five years

Federal Employee/Military Discount

Active and retired members of the federal workforce or the military are eligible to receive discounts from GEICO. In fact, federal employees are eligible for up to an 8 percent discount and military personnel may be eligible for up to a 15 percent discount. 

GEICO Privileges

GEICO Privileges is an easy (and free) way to save money and get valuable tips, tools and advice for everyday life. This program is offered to any existing GEICO policyholder. In order to take advantage of discounts and deals from top retailers, as well as, having access to advice and tools — GEICO policyholders can contact a GEICO representative over the phone or sign up online.

These discounts and more are available to GEICO customers — all you need to do to find out if you are eligible for these substantial savings is to contact a GEICO customer service representative to ask about possible discounts.

Family Insurance Plans – Who Offers Them?

Just like most cell phone companies provide discounts to families who sign up for a family plan — car insurance companies offer valuable discounts for family insurance plans, as well.

Family Plan Basics

The most commonly asked question about family car insurance policies is whether you have to be related to the other drivers who you would like to be listed on the family plan. The answer is no. The only requirement for individuals being added to a family plan is that either everyone listed must live at the address on the policy OR drives one of the vehicles listed on the family policy OR have their own plan with the same address that is listed on the family plan. It is easy to meet the requirements and if your situation calls for a family plan — it makes perfect sense to cash in on the savings. Therefore, there is nothing to lose by finding out more about saving money through family auto insurance plans.

Top 3 Family Plan Providers

While many car insurance providers around the United States offer family insurance plans, it pays to know who has the best plans for families. The following are the top three car insurance providers who offer family auto insurance plans:

State Farm – State Farm is one of the biggest insurance providers in the U.S. and the good news is that they provide an excellent family plan to those who are interested in starting an insurance policy for their family (or other members of their household). State Farm is most known for their customer service and opening a policy through SF is fast and easy! Therefore, if you are searching for a simple way to save money on family car insurance — you may be interested in checking out more information about State Farm.

Allstate – Allstate is another well-known insurance provider that offers family car insurance plans/policies to meet your family’s needs. In addition to providing an excellent family plan for auto insurance, this company also provides substantial discounts to it’s customers, as well, which helps to lower insurance costs to driving families, even more. Some of the savings through Allstate include discounts for multiple cars, multiple drivers (on the same plan) and other money-saving discounts. Therefore, if saving money is your biggest priority — you might want to think about going with Allstate for all your family insurance plan needs.

AAA – AAA Insurance is well known for the safety features of their insurance plans. This top rated insurance company offers multiple roadside protection programs including, AAA’s automatic alert program (which alerts your insurance company, right away if you have been in an accident) and AAA’s Accident Assist program that provides immediate response and help to those involved in a serious collision. Therefore, if the safety of your family is important, (which it should be) you may want to consider doing further research on AAA’s Family Insurance Plan.

Whichever insurance provider you choose for opening a family plan, it is important to find an option that meets yours and your family’s needs, one that will provide the cheapest premium, the easiest accessibility for you (and your family) and a customer service department that is willing to work with you to meet your family’s car insurance needs.