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Archive for February, 2011

How A Steering Restraint Can Change Car Insurance Rates

Wednesday, February 16th, 2011

Steering restraints are popular devices that make auto theft more difficult. They’re made of a tough metal material, and they lock a steering wheel in place, impeding a thief’s ability to get away with a car quickly. Statistically speaking, steering restraints are an effective way to prevent car theft and potentially useful devices for all drivers. They keep a car safer, even when parking in high crime areas. However, steering restraints have an added benefit that’s not immediately obvious: they can make it easier for drivers to find low auto insurance rates. This is because auto theft is very expensive for auto insurance providers, and they want to offer preferential rates as an incentive to help drivers avoid auto theft.

There are some exceptions. If you’re not paying for comprehensive auto insurance coverage, then you’re not covered against car theft. Therefore, you probably won’t receive a discount for buying a steering restraint for your vehicle. Most drivers are paying for some form of comprehensive coverage, as this is required by car loan companies when buying a vehicle through a loan or leasing a vehicle. Still, check to see what types of coverage that you’re paying for. There are also a few car insurance companies that don’t offer discounts for steering restraints. Call your insurance agent and ask what your car insurance provider’s policy is and how you can take advantage of it.

Many car insurance companies will offer discounts for anti theft devices other than steering restraints. Passive alarm systems, for instance, often qualify a driver for a discount. However, these are less popular for some drivers, as alarms can be annoying (particularly when they’re set off accidentally in a residential neighborhood). Nevertheless, they’re statistically effective at preventing auto theft, and they’re something to consider if you’re trying to find the lowest auto insurance rates possible. Other types of alarm systems may also be covered depending on the policies of your insurance company. It’s a good idea to speak to a representative of your car insurance company before you invest any money in anti-theft devices to ensure that you’re qualifying for an auto insurance discount by making the purchase.

Other ways that drivers can lower their rates are to ask about other discount programs and to research car insurance quotes online. As steering restraints are fairly inexpensive and easy to use, they’re a great way to dissuade theft without emptying your pocketbook, and the car insurance discount that comes with them makes an obvious choice for many drivers looking to protect their vehicles.

How A Secondary Driver Affects Auto Insurance Rates

Wednesday, February 16th, 2011

This article will discuss how a secondary driver can affect auto insurance rates. A secondary driver is a person other than the primary driver that is legally allowed to drive an insured vehicle. Secondary drivers are many times young people who do not have their own car yet and are driving their parents’ car on occasion. Since auto insurance rates for any type of policy for a teenage driver falls under the most expensive category of insurance in existence, several parents elect to choose the option of having a secondary driver on a policy for a son or daughter that has just received their driver’s license.

There will definitely be a higher premium when you decide to add another driver to your policy and the exact amount of this increase will vary and depend on the information collected and assessed by the insurance company. Auto insurance rates are commonly very heavily influenced by a person’s age. Another common factor that always affects the rates of anyone’s premium rates is their driving record.

Adding more drivers can end up costing a person a great deal in the long run, if there is accidental damage to their vehicle. It is always an unfortunate incident when someone adds a few people onto their policy, and are then quickly buried in a mountain of bills from the result of someone else’s mistakes.

Going with a secondary driver is usually a good idea as a temporary solution to save some money, or if there is someone that does not use their car very often. If you decide to add a secondary driver onto your insurance policy, and the person is over the age of 25, there should not be a significant increase to your insurance bills. The great thing about the Internet is that these days you can jump online and shop for many different auto insurance quotes for policies that offer a good rate for secondary driver insurance. Although secondary insurance plans are not commonly proudly promoted and heavily advertised by most big name insurance companies, finding insurance on the Internet is still the fastest way to find the policy that you are looking for. Within minutes, you will be able to find out exactly what the numbers will be and you can decide which option to go with for your secondary insurance.

A secondary insurance plan can help to cut cost down if a small group of individuals decided to split the costs of the plan evenly. If this joint venture works out, a secondary insurance plan could be helpful for the long run. This endeavor could end up becoming unsuccessful if it becomes too costly for one person.

3 Factors That Will Not Affect Online Auto Insurance Rates

Wednesday, February 16th, 2011

Auto insurance is something that all of us need. Every single state and most countries across the world have laws pertaining to the operation of motor vehicles and insurance, making it one of those things that bridges cultures and links us all. The only differences seem to be in auto insurance factors. When it comes to figuring out what your auto insurance online rate will be here in the US, there seems to be very few factors about you that are not taken into consideration. Really, auto insurance online is one of those things that seems to nose its way into every corner of your life to see if you are worthy of low rates or even insurance coverage at all. Even though today you can get an auto insurance policy even if you do not personally own a car.

Your car insurance is a very personal thing. The rates are tailor made to fit you and only you. Although your spouse is a factor, or at least the fact that you are married is a factor they do not rate on your car insurance score. Another thing that does not rate is how many kids you have or what color your skin, hair or eyes are. Just about everything else about you, however, does factor into your online auto insurance score.

Your age is a factor when it comes to auto insurance. If you are above the age of 21 but below the age of 50 then you are in a good range. The best place to be for auto insurance is between 30 and 50. According to statistics, those who are between those ages are settled enough not to spin donuts, responsible enough to pay their bills and wise enough not to take chances.

Where you live is also important to your auto insurance factors. If you live in a not so friendly neighborhood where you have to post a guard over your car to keep the tires on it, you will pay a much higher rate. In an area where the nearest other car is 20 miles away, down to mountains and never moves from the barn it is parked in, you will pay less. Statistically speaking, the city is more dangerous and has more accidents than rural areas do.

The type of car you drive plays a huge role. You are what you drive, as they say, and a sports car with a powerful engine will of course cost more to insure than a more family-friendly sedan. There are many factors that you need to consider when looking for auto insurance online.

3 Things To Look For On A Car Insurance Website

Tuesday, February 15th, 2011

As you look for a company to insure your car, you are sure to find various competitors that all claim to offer you the best deals. Only you can determine whether this is actually the case if you pay close attention to certain important factors. Many high-profile insurers will try to attract customers with means such as animation and humor. This is done for the sake of advertising or being personable, but should not be used at the expense of knowing what you will get from your insurance. Essential coverage should be just as important to your car insurance company as it is to you; dealing with insurance is a type of business and should be focused strictly on helping you find the best deals, not wasted on trivial matters. For example, you are likely to get a good deal if you read information on a car insurance website and almost immediately find an adequate description of how you and other drivers can be compensated for damages, including loss of life. Whatever information you see first can give you a clue about the insurer’s top priorities.

Your insurer should also offer you ways to make your insurance cheaper by means such as discounts. These can be especially helpful if you can find them for drivers that live in cities and drive frequently. You can qualify for discounts by meeting certain conditions in various types of situations such as being a student. After you buy a policy, if your situation changes in any way, you should be able to inform your insurer of the change and manage your policy by using an online account. Taking advantage of discounts is part of the reason your monthly insurance payments are subject to change at any time.

The length of time your insurer has been in business can be an important factor. If a car insurance website says the insurer has been in business for, e.g., decades, it is helpful to find information about the insurer’s history as well, which may be found in an “About” section. This is a good test of credibility and should explain why the insurer is still in business after such a long time. For your personal confidence in the insurer, you may want to read real-life testimonies from those who have used the service.

In review, you can evaluate a car insurance company based on these factors: see how well it focuses on the essentials of your insurance; make sure it is considerate of what you pay by offering discounts or other means to help you save; and test its credibility by reading its history or other information, then compare it to other insurers.

Deciding Whether Or Not To Purchase PIP Insurance

Monday, February 14th, 2011

One of the most popular types of auto insurance coverage is personal injury protection, also known as PIP insurance. This coverage type pays for the medical bills and associated costs that a driver and his passengers take on in an accident in which he or she is at fault. For instance, if you have PIP insurance and you accidentally drive into another vehicle, PIP insurance will pay for medical bills that you and your passengers sustain during the accident under most circumstances (although car insurance exclusions may prevent a payout for drunk drivers or other extenuating circumstances). Personal injury protection is an important coverage for many drivers and is even required in states that operate on a no-fault system of insurance. If you have the option to either buy or refuse PIP insurance, there are a few things that you should think about before making your decision.

For one, you should consider whether any existing medical insurance that you own would cover your costs in an accident. In many situations, drivers are covered by their health insurance policies, and PIP insurance is unnecessary. Buying PIP insurance will never result in double coverage, so if you’re involved in an accident with both PIP and medical insurance, only one of the two coverage types will kick in. That’s unless the medical bills are extraordinary, in which case your medical insurance will pay for costs up to a certain point, after which your medical insurance will pay for the rest. You will have to pay deductibles and co-payments on each policy. For this reason, it may be unnecessary to buy PIP coverage if you already have another form of coverage that will handle your medical bills in an accident.

On the other hand, personal injury protection insurance doesn’t just cover the costs that a driver takes on; it also pays for the medical bills of a vehicle’s passengers. If you regularly carry passengers in your vehicle, PIP insurance may be a smart buy even if you have a very good medical insurance program. Otherwise, you may be liable for serious costs if an accident occurs. Think about how often you carry passengers before you decide not to buy PIP insurance.

Overall, personal injury protection is a very helpful form of auto insurance, and most drivers should consider at least minor coverage. However, it may be an unnecessary expense, and it certainly can inflate your auto insurance bills. Think carefully before buying PIP insurance and look online to gather quotes before you select a policy. Making a measured decision is always the best course of action, particularly where car insurance is involved.

Using Your Commute To Lower Your Auto Insurance Rates

Tuesday, February 8th, 2011

Auto insurance rates have different variables that contribute to the overall cost. People are always looking for ways to cut costs in their monetary budget. One way that most people lower their car insurance costs is by finding cheap auto insurance. Researching different competitive quotes can help you attain a cheaper cost for coverage. Another way that you can give car insurance companies a reason to lower your rates is by decreasing your travel time to and from your job. Doing this one action can save you money.

Most auto insurance rates are calculated based upon driving history, value of vehicle, type of car insurance plan, amount of coverage, residence, and commuting distance from home to employment. If you can positively change any one of these variables you have the ability to lower the cost to get coverage. Statistically, it is shown that the more miles it takes you to get to your job the greater the chance that you can be involved in a car accident. When you decrease the commute distance it will lower your auto insurance rates.

One of the ways you can lower your commute time is to change jobs. If you can find employment closer to your residence, you will reduce the amount of time spent on the road. This also lowers the chances of being involved in an accident or getting a speeding ticket. The type of job you have can determine whether or not it is feasible.

Another way to lower the commute time is to change where you live. If you live in an apartment or rent a home you may find it much easier to change your residence than someone that owns a home. You do not have to sell where you live before you move. If the real estate market is doing poorly this may be not an option that you can act upon as you may not have any offers to purchase your residence.

Retired workers can obtain cheap auto insurance as they no longer have a daily commute. If you are near to retirement or considering early retirement, this may be the impetus you need to pay your decision. If you are married or have a joint policy inquire from your carrier the difference in price it one of you becomes retired. For others that still need to work a few more years call your insurance company and discover how changing your commuting distance will lower your rates. If you already live near your job, this will not affect you in any way. Knowing the exact mileage requirements can help you pinpoint the distance you need to move or find a job that can save you money.

How Your Driving Can Affect Your Auto Insurance Rates

Tuesday, February 8th, 2011

Auto insurance rates directly reflect how your insurance company regards your driving record. Unfortunately, it’s just about impossible to obtain cheap auto insurance if that record has more than a couple black marks. It is possible that an insurer won’t be made aware of you driving history. That could occur because the company may not check your record on an annual basis. It’s also possible that administrative snafus could keep tickets and accidents off your record, as it is detailed by state motor vehicle departments. But don’t count on it. Insurance companies aren’t in the habit of making sloppy risk appraisals.

Driving under the influence (DUI) is about the worst item that could appear on your driving record. Just a single DUI can cause an insurance company to not only refuse to offer cheap auto insurance, it can also prompt an insurer to drop your policy and decline to do any more business with you. Some states don’t require someone charged with a DUI to get an SR-22 from their insurance companies, which could at least delay or even prevent your insurer from finding out about the charge.

It you do get charged with a DUI, and you know your insurance company will learn of it, begin immediately to look for another insurance company – your present insurer will either rocket your premiums to very high levels, or drop you altogether. Don’t expect any insurance company to offer reasonable auto insurance rates. But there is a chance that another insurer will be a little more flexible regarding your need for auto insurance. Should an insurance company immediately miss learning of a DUI charge, it can still raise auto insurance rates if the charge shows up in later years. A DUI on your driving record could also have an impact on any life insurance policy your might have, causing the policy issuer to raise your rates.

Even in states with “no-fault” insurance laws, the chances are still good that driving violations of any kind could send insurance premiums higher, especially if several tickets and/or accidents tend to occur in a short time frame. Drivers who get multiple speeding tickets will find their auto insurance rates going up. By the same token, a good driving record can put a policyholder in position to demand the best rates an insurer can offer. Drivers with long-term clean records can often expect to see their deductibles lowered or completely eliminated. Expunge the ills from your driving record and someday your premiums may drop. If not, look on the Internet to see if an insurer can offer a better deal.

Saving Money On Your Child’s Auto Insurance Rates At School

Sunday, February 6th, 2011

Do you have a college student that you insure on your auto insurance or are you checking auto insurance rates for students? Would you like to lower your student insurance rates? Cheap auto insurance rates are difficult to find, but you can obtain several online rate quotes in a relatively short time. You can also inquire about available discounts. College students are among some of the most difficult to get cheap auto insurance for. But there are some things you can do to lower your rates.

The type of vehicle your student drives can have an impact on the rate of your insurance. Being aware of this can help you get a cheaper rate as you determine what car your student will drive. You would not want to send your child away to school with an expensive sports car if you are seeking lower auto insurance rates.

Some college campuses have car rental plans on campus because they recognize that students often do not have a car with them at school and may need to have access to a vehicle while away from home. It may be cheaper in the long run to use this option than to carry your student on your own policy if they are away without a vehicle and their college campus has a program such as this. The students can get the insurance coverage with the rental. One drawback to this idea is the chance of the student borrowing a car from a friend and not being insured.

Most auto insurance companies offer a student away rate for those students that are away from home without a vehicle but still need to be covered on auto insurance. This can provide a substantial savings. If your carrier does not offer this discount or it is not very good, check around with other carriers to see what their rates are.

Another way to lower your auto insurance rates for your students is to get good student discounts. If your child maintains adequate grades, all you need to do is supply your insurance carrier with a copy of the latest report card each time your policy is up for renewal. Most insurance companies offer good student discounts.

Finally, an easy and obvious way to obtain lower rates is to maintain an excellent driving record. You can get cheap auto insurance if your record is free of tickets and accidents. A defensive driving course can often get a ticket dismissed if you have not taken a course in the previous three years. It will also lower your insurance rates. So, although student auto insurance rates can be expensive, there are ways to lower those rates and find cheap insurance.

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