Make Sure You Keep Your Insurance Current – Accidents Happen

orange sports carI knew this girl who let her auto insurance policy lapse. She realized that she needed to renew it and kept putting it off. Finally she took the necessary steps to renew it. She faxed in the necessary paperwork and confirmed with her agent that everything was taken care of. Two hours after she hung up the phone, she was in a major accident. Although, she had taken care of everything in time and confirmed beforehand, her agent told her that it looked sketchy. There were people at her insurance agency that suspected her of committing insurance fraud. It was a horrible situation and a good reminder that you should never let your policy lapse. Unfortunately, accidents happen. And, when they do, you want to be sure you are covered.

If you are not covered, you could risk having to be responsible for a large amount of money that you do not have. This is why the state mandates that everyone have insurance. Having insurance is a simple precaution that will eliminate dealing with extra trouble than an accident already causes.

After all, if you got in an accident, the last thing you want to be worried about it is how you are going to pay for it. Instead, you should be worrying about whether or not you are going to be ok. So, keep your insurance current.

Buying a new car? What about the insurance

old school carWhen I graduated from college I drove around my old car for a year or two. After I had a decent paying job, I was tired of my old car, so I decided to go and buy a new car. It was extremely exciting. I will never forget the day I signed the papers for my very first car. However, I forget what I had to do next – call the auto insurance company. I thought insuring my new car would be simple, however there were so many questions to be answered. And, there were so many things I was not sure of. If you just bought a new car and feel like I did, here are a few guidelines that can help aid you in the process of getting car insurance.

• It is free to obtain a quote for auto insurance. So, shop around. Most likely the price of your insurance will go up with a new car, but you never know.
• Get an update from your current car insurance on the new cost of your policy by giving them the details of your new vehicle.
• You can get discounts of your car insurance if your new car has safety features and/or anti-theft features.
• Know what the limits for coverage are in your state.
• When determining the amount of bodily injury liability limits, make sure you have enough to protect your personal assets.
• Evaluate how you drive – this factors into your insurance rate.

Companies That Cater To Seniors Offer Car Insurance, So Check Rates

vintage red carAttention all senior car owners. You may not drive as much as the rest of the world given that you have the luxury of a free schedule and time to relax at home. However, you obviously still need to go places and therefore own a car. Because you own a car, you will need insurance. This is nothing new to you. Most likely, you have been purchasing insurance policies for many years. However, did you know that certain companies cater to seniors? After all, you have more experience than all the other drivers on the road and you will probably be a lot more cautious while driving as well. So, when you are shopping for your next auto insurance policy keep this fact in my and consider the following helpful information.

• Your choice of car will impact how much you pay for auto insurance. The smaller the engine and the safer the car, the lower your policy will be.
• If your car has special features, you will probably get discounts.
• You can get a discount for not taking out a claim with your insurance company in the past.
• If possible, park your car in the garage. You will save money on your insurance.
• Avoid tickets. They will put a penalty on your record and increase the price of your policy.

Senior Drivers Often Get Car Insurance Discounts: Check Around

old white carIf you are a senior, than you know that America is often kind to you and therefore offers you discounts on certain items. Most people are jealous of you every time they have to pay full price for a movie ticket and you get a discount. Did you know, however, that discounts were available on your car insurance? A lot of seniors are not taking advantage of this great offer. It only makes sense. You most likely drive less and you are more experienced on the road. So, here are a few tips to help you get the lowest price on your insurance with your discount included.

• Look for promotions specifically for seniors. Many companies offer special rates.
• Look in the Yellow pages. There may be special programs that are advertised.
• Ask for member discounts. If you are a member of AA or AARP you will most likely receive a discount.
• Do not settle for the first offer or the first company. Shop around. Sometimes rates will change.

In the end, pick the policy that is best for your needs. And, enjoy your time on the road. Drive somewhere exciting and fill your time with fun things while the rest of us have to work and pay higher premiums!

At 25, Your Car Insurance Rates Should Become Lower

black compact carTwenty-five is a great number. When you see it you might think of a quarter or you might reminisce about your twenty-fifth birthday. Turning twenty-five is great for so many reasons. For some people, they have their quarter life crisis. Others, however, embrace being alive for twenty-five years and feel like for the first time they are finally becoming their own. By this time most people have graduated college. They have jobs. Basically, they are responsible. And, they are beginning to figure out life on their own. Maybe this is why when you are twenty-five your car insurance rates drop and you can finally rent a car.

Why twenty-five? Some would argue it makes more sense to lower the rates at twenty-six when you have been driving for ten years. However, according to insurance companies, from a statistical standpoint, at age twenty-five this is when all drivers ultimately become a lot safer on the road. They use every piece of data possible to determine these facts and, apparently, nine years is all we need on the road to become safe drivers.

So, if you have not turned twenty-five yet, you have something to look forward to. Twenty-five is definitely a milestone birthday for many, many reasons.

Completing A Driving Course Can Lower Teen Car Insurance

80's BMW greenDriver’s Education reminds me of that Saved By the Bell episode where the Bayside kids drove around the fake car and learned to drive. I remember watching that episode and thinking I could not wait to be old enough to drive. When I turned 15, it was my turn for Driver’s Education. The classes were not nearly as fun as the seemed on the television. And, the behind the wheel training we had to do was long and scary for a new driver. However, without them, there was no way I would have been prepared to take on the road when I was 16.

Insurance companies know this. The recognize the essential value in educating young teenagers about the ins and outs of driving as well as the key to being safe on the road. In fact, most insurance companies actually offer a discount for teenagers who take driver’s education or defensive driving courses. They view these classes as an investment in the teen’s driving future.

When a teen is more knowledgeable, they are less of a risk on the road. If your teen has not taken Driver’s Education yet, enroll them today. It will lower your insurance rates and help them to be a better driver.

Teen Driving? Expect A Jump In Your Car Insurance

cabrio old body styleYour insurance company determines your premium rate based on the risk you pose to them. The less risky you are, the less you have to pay for your auto insurance. So, it is not surprising when teens become new drivers that your insurance rates go up substantially. In fact, it is not surprising if they go up 50 to 100 percent. After all, teenagers are a lot more risky to insure than someone who has been driving for 20 years. And, according to the National Highway Traffic Safety Administration, drivers under 25 are 4 times more likely to die in an accident than older drivers.

What are some things you can do to keep the cost of your policy down? First, reinforce safety among your teenage drivers. The worst thing you want is to have them get in an accident and have your rates increase again. Also, keep the car in your name and try assigning your teen driver to just one vehicle. If your child is a good student, than it is possible you can get a discount for this.

You may also want to look into separate policies for teenagers. Whatever you do, make sure to shop around and find the best policy. It is important that you get the coverage you need at the best price.

Different Companies Can Offer Very Different Car Insurance Rates

If you need something, you are going to want to pay the lowest cost for it. That is just human nature and how we survive. Unless yovolkswagon red beetleu are rich or naïve, you consider the cost-value relationship of things you pay for. And, when the value is the same, you will always choose the option with the lower cost. So, does it ever confuse you when you are shopping for car insurance and every company is charging you something different for the same exact coverage?

Initially you may think that the company whose insurance premiums are the highest will probably be out of business soon. However, if you know more about how the premiums are evaluated then you understand that the company who is charging you the lowest premium might be charging someone else the highest premium.

The reason prices of policies vary so much between companies depends on various factors. Some companies place more value in your age than others. Other companies will factor in your credit scores. Some don’t consider it at all. There are also companies who give certain discounts that another company may not offer. Also, you might be receiving a generic quote. When the specifics come, the quote could change. When all this is taken in to consideration, you can probably understand why price varies between companies.

Don’t Take The First Quote – Do Your Car Insurance Research

old red carWhen I was little we used to go shopping at the Orange County Swap Meet every time my grandma came into town to visit. Shopping at the swap meet was an experience I will never forget. There, at a young age, I learned how to negotiate. At the swap meet, no price was final. And if you paid the marked price you were an amateur. I remember how much fun it was to go and see how much you could get for your money. The better you were at negotiating, the more you ended up with.

Today, there are very few things left in which you can negotiate. For the most part, the price is what it is. However, if you are smart as a consumer, you can still find ways to get the most out of your money.

Shopping for an auto insurance policy is a good way to learn how to get the most out of your money. Some people, the amateurs, sign up for the first policy they look at. If you are wise, you will shop around. Pick a few good companies to look into. Then, get quotes from them. You can usually do this online. Besides the price, you may also want to consider things like customer service and location. In the end, the right policy will most likely save you a couple hundred dollars.

Get The Best Car Insurance For You: What To Look For

white topless carWhen you shop for a car, you do not just pick up the phone, call up the dealer and make your purchase over the phone. On the contrary, you spend time to make sure that your purchase is right. You want the right car for you. Most likely you will test drive several cars, visit different dealerships, and speak with salespeople about your options. And, when you finally do purchase a car, it will be the car you want.

When you put in effort, you usually get results. If this is the case, why is it that when we need car insurance we often just pick up the phone and call the first company on the list? For some reason, most of us want to get the insurance part of the car over with. However, getting the best car insurance for you can take some time. You need to do your homework, and you also may want to speak with an agent.

To begin the process, give your car a checkup. Make sure that everything is ok with your car and that it does not have any liens. Anything negative could increase your car insurance rates. Next, make sure you know what your state’s minimum requirements are. You can always add coverage from there. Lastly, consider your credit score. The better it is, the better rate you are likely to get. Make sure to shop around for an insurance company. In doing so, you will find the best rate.