by BlondieWrites on May 29, 2010
How to Get Cheaper Car Insurance
There are many ways in which you can get cheaper car insurance. Although you can utilize price comparison charts and check out car insurance company websites as a start, there are additional methods you can employ to lower your existing rates as well.
Here are a few ideas to help you in this regard:
* Sign up for a driver’s defensive course. This can save you 5% on your premium.
* Install anti-theft devices in your car.
* Raise your deductible.
* Eliminate collision on older cars.
* Purchase car insurance from the same company which you purchased a homeowner’s policy or life insurance from.
* Instead of paying premiums on a monthly basis, change payments to twice a year or yearly.
* Inquire if the insurance company offers a discount if you have low mileage, or if you belong to an association or organization.
* A long-standing good driving record can result in a reduction of insurance costs.
* Maintain good credit. Check your report annually and correct any errors that may appear. Also, check your FICO score as well.
* Compare and contrast insurance rates online and/or call several insurance companies to obtain quotes.
For new car buyers, you may be asked to buy insurance from the auto dealer and/or switch to a new insurance company. Before doing so, check insurance companies on your own.
However, there are instances in which switching from one company to another may have its merits. For example, the dealership may ask you to sign up with a well-known insurance company who may offer a substantial savings. Before switching to the new company, check again with your current one to ask what the rate would be before deciding.
On the other hand, if you currently deal with an insurance company that holds your home owner’s policy and life insurance, it is recommended that you stay with the same carrier so that you can earn additional discounts when you add the auto.
by BlondieWrites on April 28, 2010
How to Get Cheaper Car Insurance
There are many ways in which you can get cheaper car insurance. Although you can utilize price comparison charts and check out car insurance company websites as a start, there are additional methods you can employ to lower your existing rates as well.
Here are a few ideas to help you in this regard:
* Sign up for a driver’s defensive course. This can save you 5% on your premium.
* Install anti-theft devices in your car.
* Raise your deductible.
* Eliminate collision on older cars.
* Purchase car insurance from the same company which you purchased a homeowner’s policy or life insurance from.
* Instead of paying premiums on a monthly basis, change payments to twice a year or yearly.
* Inquire if the insurance company offers a discount if you have low mileage, or if you belong to an association or organization.
* A long-standing good driving record can result in a reduction of insurance costs.
* Maintain good credit. Check your report annually and correct any errors that may appear. Also, check your FICO score as well.
* Compare and contrast insurance rates online and/or call several insurance companies to obtain quotes.
For new car buyers, you may be asked to buy insurance from the auto dealer and/or switch to a new insurance company. Before doing so, check insurance companies on your own.
However, there are instances in which switching from one company to another may have its merits. For example, the dealership may ask you to sign up with a well-known insurance company who may offer a substantial savings. Before switching to the new company, check again with your current one to ask what the rate would be before deciding.
On the other hand, if you currently deal with an insurance company that holds your home owner’s policy and life insurance, it is recommended that you stay with the same carrier so that you can earn additional discounts when you add the auto.
by BlondieWrites on October 16, 2009
by BlondieWrites on September 28, 2009
If you have saved enough money to purchase a new car, or have already spent your savings on the new car of your dreams – congratulations! There is no thrill like cruising around town in your brand new car you worked so hard for. But before you start cruising, you have to think about getting insurance for your new car – ideally, cheap insurance for your new car.
How can you get cheap insurance for your new car if you have never had a car insurance policy? Consider these three tips:
Check out the safety of your new car. Before you purchase your new car, check out the safety features. If you have already purchased your new car and it does not include certain safety features, add them. Cars with safety features are seen as less risky to insure than cars without safety features; therefore, insurance companies give cheaper car insurance quotes to drivers who own safe cars.
Ask about “spinning off” of another car insurance policy. If you have ever been on another driver’s car insurance policy, such as your parents’ car insurance policy, ask the insurance company about “spinning off” of that car insurance policy onto your own car insurance policy. You will have your own car insurance policy, and you will most likely get a cheaper premium than you would if you purchased a new car insurance policy out right.
Add yourself to another car insurance policy. If you are married, or have parents who trust your driving habits, ask if you can be added to their car insurance policy. This may raise their premiums a bit, but you can pay the difference and the difference will be much cheaper than purchasing a completely separate car insurance policy.
Remember, all states require some form of car insurance or financial responsibility. Do not risk huge fines and a suspended driver’s license by neglecting to purchase insurance for your new car.
by BlondieWrites on September 2, 2009
ways you can save money on your car insurance, and even find cheap car insurance. You just have to put forth the time and energy into finding a cheap car insurance policy, and by following these steps, it will not take much time and energy at all.
Choose your car insurance company wisely. Choosing a car insurance company and policy is like choosing the perfect parking space – you want to make sure it is safe, easy to get in and out of, and close by when you need it. Talk with people you know about the car insurance companies they use, and check the ratings of the car insurance companies you’re considering.
Ask about all car insurance discounts. Most car insurance companies offer discounts to drivers who have taken driver education courses, have good driving records, and drive safe cars. Some car insurance companies offer discounts to drivers who pay their premiums twice a year, or annually, rather than once a month. However, these days more and more car insurance companies are providing rewards to drivers who have been customers for a certain period of time, and/or have superb driving records, i.e., no accidents and no traffic violations.
Purchase the minimum liability car insurance policy. This option is touch-and-go, because you may end up needing more coverage than the minimum liability policy provides; however, choosing the minimum liability policy until you are in a situation to purchase more coverage is an effective way to get cheap car insurance on a budget.
Raise your car insurance deductible. By raising your deductible, you will have to pay more in the event you are involved in a car accident or your car is damaged in some way, but your car insurance premiums will be much cheaper than if you had a lower deductible.
by BlondieWrites on September 2, 2009
Most Americans today are on some kind of budget. Maybe they have families and need to budget money according to food, clothing, education, and entertainment costs. Maybe they are elderly and must budget their money because they are on limited incomes. Or perhaps, they are just former students fresh out of school and still looking for that perfect job. Regardless of the situation – most Americans today are on some kind of budget.
When we sit down to figure out our budgets, the necessities come – or should come – at the top of the list of things for which we must allot money. Food, shelter, medications – those sorts of things. However, there are other things that may not be necessary for keeping alive but are still necessary to purchase in order to be a law-abiding citizen. One of these things is car insurance.
Car insurance or some form of financial responsibility is legally required by all drivers and/or vehicle owners in America. Therefore, car insurance has to be factored into our budgets. Ideally, that car insurance should be cheap, right? There are a few ways for those on a budget to obtain cheap car insurance.
Vehicle owners may consider purchasing only the minimum car insurance requirements for their states. While the minimum car insurance requirements don’t usually offer comprehensive coverage, they are the usually the cheapest car insurance vehicle owners can get. Rates, of course, will depend on the car insurance company from which they choose to purchase the car insurance policies.
Drivers should also ask car insurance companies about any special discounts they offer. Many car insurance companies offer discounts for older drivers, multiple cars on a policy, and for purchasing multiple policies from the same insurance company. Some companies even offer discounts to those drivers who have taken some kind of driver education course, which will only provide more options for those on a budget to obtain cheap car insurance.
