With the rising number of car accidents and the rising cost of car insurance these days you want to be sure you're getting the best insurance at the best rate. Here are three car insurance tips that will show you how to save the most amount of money.
Car Insurance Tips
Car Insurance Tip #1 - Shop for quotes. Shopping for quotes is by far the best way to save the most money on your insurance premium. There are a number of websites that will give you quotes from top insurance companies so you can compare them and get the cheapest rate. (See links below.)
I've known people who've saved $500 to $1,000 on their car insurance simply by switching companies.
Car Insurance Tip #2 - Increase your deductibles. A deductible is the amount you pay on a claim before your insurance kicks in. Most of us never file claims for small amounts of damage because insurance companies can hike up your rates if you file too many claims, so it only makes sense to increase your deductible to an amount you feel comfortable with.
Increasing your collision deductible from $200 to $500 will cut your yearly premium by 15% to 30%. Increasing it to $1,000 can cut your premium in half.
Car Insurance Tip #3 - Drop collision coverage. Collision covers the cost of repairing damage to your car regardless of who was at fault. If you drive an older car, consider dropping collision coverage if your premium is equal to 10% or more of your car's value.
Dropping your collision coverage can save you $300 to $500 a year depending on the age and make of your car.
Visit http://www.LowerRateQuotes.com or click on the following link to get car insurance rates from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your insurance questions from an insurance expert by using their online chat service.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on money-saving car insurance tips.
Article Source: http://EzineArticles.com/?expert=Brian_Stevens
Sunday, 31 January 2010
Saturday, 30 January 2010
How To Choose College Student Car Insurance
A car to a college student is like treasure to a pirate. Having a car at college is a luxury that not many students get to have.
Most students ride their bikes or walk to class, but if you are one of the few who gets to drive to campus and take long trips on the weekend, then you have to be prepared for the responsibility of owning a car. And that means you have to be covered with student car insurance.
Besides tuition and books, car insurance for students is one of the biggest expenses a student will pay in college. But if you are careful about choosing your student auto insurance, you will be able to work the payments into your student budget and still manage to save money in your savings account.
The Basics of Student Car Insurance
Finding cheap car insurance for students can be difficult since younger drivers usually have higher premium payments to make. It has nothing to do with you personally, but young drivers just tend to make more insurance claims than older drivers, so insurance companies will charge you more so they can make more money.
There are also other factors that can affect the amount a student will pay for student car insurance, such as:
* Age
* Gender
* Driving record
* Location of vehicle
* Damage history of vehicle
* Distance driven daily
You can't avoid these factors when you are applying for student auto insurance, but there are many ways that you can lower your premium payments. You just need to take the right steps towards choosing your student insurance.
Tips for Choosing Your Student Car Insurance
You can't avoid being young and in college, but there are steps you can take to lower your student car insurance payments. And even though you want to find an insurance company that offers car insurance specifically for students, not all of them do, so if you can't get student car insurance, then follow these tips to get a cheaper car insurance plan:
Shop Around for Options
Find out as much information as you can for at least 3 different insurance companies. Compare their premium quotes and see who has the best benefits for your money.
Know Plan Basics
Knowing the basics of a student car insurance plan is very important in choosing the right kind of plan for your needs. Not all car insurance for students is the same, but the parts that make up the plan usually cover the same areas.
Here are the six basic parts of a student car insurance plan:
1) Bodily Injury - Covers you for bodily injury you might have caused to another person.
2) Personal Property Liability - Covers damage or injury you might have caused to another person's property.
3) Collision - Covers you for any type of accident with another car or with an object like a parking meter or a utility pole.
4) Comprehensive - Covers you in case someone steals your car or something in it, or the weather damages your car. It is best to get both of these types of student car insurance coverage.
5) Personal Injury Protection (PIP) - Covers medical costs and any lost wages from a job for the policy holder and any injured passengers.
6) Uninsured Motorist - Covers you for accidents with motorists who do not have car insurance. Also covers you for hit-and-run accidents.
Maintain Good Grades
Many insurance companies offer discounts to students who maintain a B average or higher. Make sure you bring proof of your grades when you apply for your car insurance.
Apply for all Discounts
Even if you get a student discount, always apply for any discount that the insurance company is offering. Most insurance companies will offer you a great deal if you purchase multiple insurance plans together, like car and renter's insurance, and they might even offer you a family discount if you sign up for the same insurance as your family members.
Buy the Right Car
Before you even get student car insurance, you need to get a car that is right for you. Car insurance is often based on a car's safety probability, so high speed sports cars and smaller cars have a greater risk of damage. They are also more likely to be targeted by thieves, so you should buy a more practical car with good gas mileage and reliability rather than a car that costs more than your entire student budget.
Walk or Bike More, Drive Less
Even if you have a car, that doesn't mean you have to use it everyday. If you live on campus and you're close to class, either walk or ride a bike and save on gas money. Some insurance companies will give you a low-mileage car insurance deduction if you drive below a certain number of miles each year, so save your long-distance car driving for the weekends.
Increase Your Deductible
If you increase your deductible - the amount you pay towards a claim before your insurance company pays - then you can save from 15% to 40% on your student car insurance premium.
Install Secure/Anti-Theft Devices
If your car's seat belts and airbags don't' work, you should get them fixed as soon as possible. Also, if you don't have an alarm system, get one installed. The safer you are against accidents and burglaries, then the less your car insurance company will have to pay and the less you'll have to pay to them.
Be a Safe Driver
The most important step you can take towards lowering your student auto insurance is to be a safe driver. The fewer driving violations and auto accidents that you have the more money you will save with your car insurance. That means you should never drink and drive, you should park your car in a safe area or in a garage and you should always maintain the proper speed limit.
College should be both a fun and safe experience, so if you have a car and use it as part of your daily routine, always have student car insurance for protection.
Trish Smith is a copywriter for Green Student U, Student Finance Domain and Study Abroad Domain, websites that are devoted to providing college students with helpful environmental, financial and study abroad advice.
Article Source: http://EzineArticles.com/?expert=Trish_Smith
Most students ride their bikes or walk to class, but if you are one of the few who gets to drive to campus and take long trips on the weekend, then you have to be prepared for the responsibility of owning a car. And that means you have to be covered with student car insurance.
Besides tuition and books, car insurance for students is one of the biggest expenses a student will pay in college. But if you are careful about choosing your student auto insurance, you will be able to work the payments into your student budget and still manage to save money in your savings account.
The Basics of Student Car Insurance
Finding cheap car insurance for students can be difficult since younger drivers usually have higher premium payments to make. It has nothing to do with you personally, but young drivers just tend to make more insurance claims than older drivers, so insurance companies will charge you more so they can make more money.
There are also other factors that can affect the amount a student will pay for student car insurance, such as:
* Age
* Gender
* Driving record
* Location of vehicle
* Damage history of vehicle
* Distance driven daily
You can't avoid these factors when you are applying for student auto insurance, but there are many ways that you can lower your premium payments. You just need to take the right steps towards choosing your student insurance.
Tips for Choosing Your Student Car Insurance
You can't avoid being young and in college, but there are steps you can take to lower your student car insurance payments. And even though you want to find an insurance company that offers car insurance specifically for students, not all of them do, so if you can't get student car insurance, then follow these tips to get a cheaper car insurance plan:
Shop Around for Options
Find out as much information as you can for at least 3 different insurance companies. Compare their premium quotes and see who has the best benefits for your money.
Know Plan Basics
Knowing the basics of a student car insurance plan is very important in choosing the right kind of plan for your needs. Not all car insurance for students is the same, but the parts that make up the plan usually cover the same areas.
Here are the six basic parts of a student car insurance plan:
1) Bodily Injury - Covers you for bodily injury you might have caused to another person.
2) Personal Property Liability - Covers damage or injury you might have caused to another person's property.
3) Collision - Covers you for any type of accident with another car or with an object like a parking meter or a utility pole.
4) Comprehensive - Covers you in case someone steals your car or something in it, or the weather damages your car. It is best to get both of these types of student car insurance coverage.
5) Personal Injury Protection (PIP) - Covers medical costs and any lost wages from a job for the policy holder and any injured passengers.
6) Uninsured Motorist - Covers you for accidents with motorists who do not have car insurance. Also covers you for hit-and-run accidents.
Maintain Good Grades
Many insurance companies offer discounts to students who maintain a B average or higher. Make sure you bring proof of your grades when you apply for your car insurance.
Apply for all Discounts
Even if you get a student discount, always apply for any discount that the insurance company is offering. Most insurance companies will offer you a great deal if you purchase multiple insurance plans together, like car and renter's insurance, and they might even offer you a family discount if you sign up for the same insurance as your family members.
Buy the Right Car
Before you even get student car insurance, you need to get a car that is right for you. Car insurance is often based on a car's safety probability, so high speed sports cars and smaller cars have a greater risk of damage. They are also more likely to be targeted by thieves, so you should buy a more practical car with good gas mileage and reliability rather than a car that costs more than your entire student budget.
Walk or Bike More, Drive Less
Even if you have a car, that doesn't mean you have to use it everyday. If you live on campus and you're close to class, either walk or ride a bike and save on gas money. Some insurance companies will give you a low-mileage car insurance deduction if you drive below a certain number of miles each year, so save your long-distance car driving for the weekends.
Increase Your Deductible
If you increase your deductible - the amount you pay towards a claim before your insurance company pays - then you can save from 15% to 40% on your student car insurance premium.
Install Secure/Anti-Theft Devices
If your car's seat belts and airbags don't' work, you should get them fixed as soon as possible. Also, if you don't have an alarm system, get one installed. The safer you are against accidents and burglaries, then the less your car insurance company will have to pay and the less you'll have to pay to them.
Be a Safe Driver
The most important step you can take towards lowering your student auto insurance is to be a safe driver. The fewer driving violations and auto accidents that you have the more money you will save with your car insurance. That means you should never drink and drive, you should park your car in a safe area or in a garage and you should always maintain the proper speed limit.
College should be both a fun and safe experience, so if you have a car and use it as part of your daily routine, always have student car insurance for protection.
Trish Smith is a copywriter for Green Student U, Student Finance Domain and Study Abroad Domain, websites that are devoted to providing college students with helpful environmental, financial and study abroad advice.
Article Source: http://EzineArticles.com/?expert=Trish_Smith
Friday, 29 January 2010
How to Get Cheap Car Insurance for Lady Drivers
Here's something you may not know! There is a very good chance that the car insurance rate you are paying right now is a direct result of your gender. Sometimes your gender will play a very significant role in the rate that you are quoted for car insurance. When it comes to car insurance rates, women drivers tend to pay cheaper premiums than men. This is because statistically speaking, women drivers tend to be more reliable drivers in general, who drive vehicles which a re safer, and who tend to file significantly less insurance claims. Not all women drivers are better than men when it comes to driving, but many car insurance companies are picking up on what the statistics are saying, and are adjusting their rates accordingly. This is a common practice for insurance companies both in the United States and in the United Kingdom as well. In fact, in the United Kingdom there are agencies which exist solely to find low cost insurance options for women drivers. Many of these agencies can be found simply by doing a basic search on the internet. Cheap car insurance for lady drivers is typically fairly easy to find, provided that you qualify for the insurance that you are applying for.
Car insurance companies have spent many years doing research on data pertaining to men and women drivers, and many of the findings have pointed directly toward the idea that women drivers are simply safer and more reliable drivers than men are. For example, women drivers do not appear to be involved in near as many accidents as men drivers are, and when they are involved in accidents the amount of damage involved is typically significantly less. This may be because they are more cautious in general, or it may have to do with the fact that they choose safer cars in general. Additionally, women drivers are much more likely to pass their driver's license exam on the first try, which is not nearly as typical for male drivers. This has nothing to do with the fact that one gender is more intelligent than the other, and is likely because women take the initiative to spend more time practicing and studying before the exam.
These statistics have led car insurance companies to re-evaluate the way that they offer car insurance premiums to female drivers. As a result, insurance providers are much more likely to offer cheaper car insurance premiums to women drivers than to men. So women are not being offered cheaper rates simply because they are women -- They are being offered these rates because the statistics show that it would not be a dangerous bet to offer a lower rate to a safer driver. It has nothing to do with the fact that car insurance companies tend to favor women, or because car insurance companies have been led to believe that gender has anything to do with actual driving skills. All it means is that the statistics have shown that women driver tends to be safer and much more cautious than a male driver, which makes them a safer bet when it comes to automobile insurance risk.
Though women drivers may get lower car insurance rates than men, they are still subjected to all of the exact same criteria when it comes to determining whether or not they will be approved for car insurance, and what quote will be offered to them. All of the following criteria play a part in determining whether or not you will qualify for cheap car insurance.
• The driving record and driving history of the policyholder, and anyone else that will be driving the vehicle.
• The location where the policyholder lives, and where the car will be parked.
• Details about the vehicle, including the make, model and year. Additionally, the vehicle will typically have to pass a safety inspection or at least appear to be in safe working order.
• The credit score and history for the policyholder. Credit history plays a part in whether or not car insurance is awarded in order to insure that insurance is only granted to responsible persons who can handle the monthly premium payments.
• The age and experience of the driver and the policyholder also play a part in the decision. On one hand, many young drivers can acquire special deals and discounts on their insurance policies because they are new to driving, but some insurance policies tend to charge more instead because new and inexperienced drivers are more prone to having accidents or incurring traffic violations which can negatively affect their premiums.
In order to make it easier to find cheap car insurance for lady drivers, it is necessary to practice all of the following:
• Safe driving habits.
• Driving vehicles which are known to be safe.
• Parking or storing vehicles in locations which are safe.
• Paying attention to their driving records and making improvements whenever it is possible.
• Paying attention to their credit scores and reports and making improvements whenever it is possible.
The statistics that have led car insurance companies to offer cheaper premiums to women drivers were never meant to be sexist or discriminatory, but they have done a lot to help women drivers secure car insurance premiums which are inexpensive. This does not mean that men cannot turn around and secure car insurance rates that are just as affordable, but it is generally a lot easier for a female to find the cheap rates than for a male to. Hopefully the rising costs of car insurance premiums will urge more male drivers to take up safe driving habits or to drive cars which are safer in general. If men drove as cautiously as women drivers do, their car insurance premiums would likely be just as inexpensive.
For more information about Cheap Car Insurance for Lady Drivers visit http://www.InsuranceSalesman.comwhere we also have comprehensive guides to Buying Car Insurance with Bad Credit and Cheap Auto Insurance in Texas
Article Source: http://EzineArticles.com/?expert=Stuart_Brown
Car insurance companies have spent many years doing research on data pertaining to men and women drivers, and many of the findings have pointed directly toward the idea that women drivers are simply safer and more reliable drivers than men are. For example, women drivers do not appear to be involved in near as many accidents as men drivers are, and when they are involved in accidents the amount of damage involved is typically significantly less. This may be because they are more cautious in general, or it may have to do with the fact that they choose safer cars in general. Additionally, women drivers are much more likely to pass their driver's license exam on the first try, which is not nearly as typical for male drivers. This has nothing to do with the fact that one gender is more intelligent than the other, and is likely because women take the initiative to spend more time practicing and studying before the exam.
These statistics have led car insurance companies to re-evaluate the way that they offer car insurance premiums to female drivers. As a result, insurance providers are much more likely to offer cheaper car insurance premiums to women drivers than to men. So women are not being offered cheaper rates simply because they are women -- They are being offered these rates because the statistics show that it would not be a dangerous bet to offer a lower rate to a safer driver. It has nothing to do with the fact that car insurance companies tend to favor women, or because car insurance companies have been led to believe that gender has anything to do with actual driving skills. All it means is that the statistics have shown that women driver tends to be safer and much more cautious than a male driver, which makes them a safer bet when it comes to automobile insurance risk.
Though women drivers may get lower car insurance rates than men, they are still subjected to all of the exact same criteria when it comes to determining whether or not they will be approved for car insurance, and what quote will be offered to them. All of the following criteria play a part in determining whether or not you will qualify for cheap car insurance.
• The driving record and driving history of the policyholder, and anyone else that will be driving the vehicle.
• The location where the policyholder lives, and where the car will be parked.
• Details about the vehicle, including the make, model and year. Additionally, the vehicle will typically have to pass a safety inspection or at least appear to be in safe working order.
• The credit score and history for the policyholder. Credit history plays a part in whether or not car insurance is awarded in order to insure that insurance is only granted to responsible persons who can handle the monthly premium payments.
• The age and experience of the driver and the policyholder also play a part in the decision. On one hand, many young drivers can acquire special deals and discounts on their insurance policies because they are new to driving, but some insurance policies tend to charge more instead because new and inexperienced drivers are more prone to having accidents or incurring traffic violations which can negatively affect their premiums.
In order to make it easier to find cheap car insurance for lady drivers, it is necessary to practice all of the following:
• Safe driving habits.
• Driving vehicles which are known to be safe.
• Parking or storing vehicles in locations which are safe.
• Paying attention to their driving records and making improvements whenever it is possible.
• Paying attention to their credit scores and reports and making improvements whenever it is possible.
The statistics that have led car insurance companies to offer cheaper premiums to women drivers were never meant to be sexist or discriminatory, but they have done a lot to help women drivers secure car insurance premiums which are inexpensive. This does not mean that men cannot turn around and secure car insurance rates that are just as affordable, but it is generally a lot easier for a female to find the cheap rates than for a male to. Hopefully the rising costs of car insurance premiums will urge more male drivers to take up safe driving habits or to drive cars which are safer in general. If men drove as cautiously as women drivers do, their car insurance premiums would likely be just as inexpensive.
For more information about Cheap Car Insurance for Lady Drivers visit http://www.InsuranceSalesman.comwhere we also have comprehensive guides to Buying Car Insurance with Bad Credit and Cheap Auto Insurance in Texas
Article Source: http://EzineArticles.com/?expert=Stuart_Brown
The Easiest Way to Save Money on Car Insurance
In today's economy saving money is high on everyone's list. Saving money on car insurance is no exception. The number one way to save money is to raise your deductible. Believe it or not, raising your deductible can lower your payments up to 40%. Your deductible is the amount you are responsible for in the event you have an accident. In the event you're not able to raise your deductible, it's time to start shopping around.
The car insurance agency is a cut throat business and these companies will do almost anything to keep or gain business. The easiest way to shop around for insurance is to start online. There are many services that provide car insurance calculators that give you a basic idea of how much you would spend with their company.
Make sure you check for any discounts that might be awarded to you. These may include, but are not limited to; combined coverage, low mileage, senior citizens, driving courses, and group discounts. Also make sure you take advantage of the many safety features that your car may have. Most companies give discounts for anti-lock brakes, the number of airbags your car has, anti-theft devices, and more.
Your credit score is a large determination of your premium. If you have bad credit it is in your best interest to try to clean it up as much as possible before trying to apply. Most companies use an insurance risk score to gauge your reputation. A bad credit score is definitely going to mean higher premiums.
If you're ready to save hundreds of dollars a month on car insurance see our Car Insurance Calculator.
Article Source: http://EzineArticles.com/?expert=Shawn_Parker
The car insurance agency is a cut throat business and these companies will do almost anything to keep or gain business. The easiest way to shop around for insurance is to start online. There are many services that provide car insurance calculators that give you a basic idea of how much you would spend with their company.
Make sure you check for any discounts that might be awarded to you. These may include, but are not limited to; combined coverage, low mileage, senior citizens, driving courses, and group discounts. Also make sure you take advantage of the many safety features that your car may have. Most companies give discounts for anti-lock brakes, the number of airbags your car has, anti-theft devices, and more.
Your credit score is a large determination of your premium. If you have bad credit it is in your best interest to try to clean it up as much as possible before trying to apply. Most companies use an insurance risk score to gauge your reputation. A bad credit score is definitely going to mean higher premiums.
If you're ready to save hundreds of dollars a month on car insurance see our Car Insurance Calculator.
Article Source: http://EzineArticles.com/?expert=Shawn_Parker
5 Hot Tips to Reduce Car Insurance Premiums
Even though we are in the worst recession ever seen, car insurance premiums keep rising. It's not only frustrating, it's downright disappointing. Finding a good deal on your car insurance is easy if you know what to do. Most people just accept the current premium they are paying without any second thoughts. Let me share with you the 7 best tips to cut your premiums by um to 30%.
1. Shop around and compare rates. Although this seems like the obvious thing to do most people never shop around once they have coverage. Don't be lazy. A simple phone call or quick search online can save you a significant amount of money every year.
2. See if you qualify to get into a group policy. If you belong to any groups or organizations that offer car insurance you are guaranteed to get a much better rate than you would as an individual.
3. Avoid speeding at all costs. If you do get a ticket see if you have the option of taking a driving class to avoid it showing up on your record. The cleaner you're driving record, the more money you will save.
4. Where and how you use your car is a major influence on your rates. Keep a record of how many miles you drive to and from work and tell your agent.
5. If you're buying a new car consider that a used car is going to be a lot cheaper than a brand new car. Even if the car is a year or two old it will save you a substantial amount of money.
I can emphasize enough that you need to shop around and do your homework. Make sure you use a reputable company that has been in the industry at least 5 years. Never lie about speeding tickets, accidents, or your credit history when applying for new insurance. Every insurance company is going to do a thorough background check and they might deny you for providing false information.
If your ready to save hundreds of dollars a month on car insurance see our Car Insurance Calculator. It provides you with the lowest Car Insurance Rates around.
Article Source: http://EzineArticles.com/?expert=Shawn_Parker
1. Shop around and compare rates. Although this seems like the obvious thing to do most people never shop around once they have coverage. Don't be lazy. A simple phone call or quick search online can save you a significant amount of money every year.
2. See if you qualify to get into a group policy. If you belong to any groups or organizations that offer car insurance you are guaranteed to get a much better rate than you would as an individual.
3. Avoid speeding at all costs. If you do get a ticket see if you have the option of taking a driving class to avoid it showing up on your record. The cleaner you're driving record, the more money you will save.
4. Where and how you use your car is a major influence on your rates. Keep a record of how many miles you drive to and from work and tell your agent.
5. If you're buying a new car consider that a used car is going to be a lot cheaper than a brand new car. Even if the car is a year or two old it will save you a substantial amount of money.
I can emphasize enough that you need to shop around and do your homework. Make sure you use a reputable company that has been in the industry at least 5 years. Never lie about speeding tickets, accidents, or your credit history when applying for new insurance. Every insurance company is going to do a thorough background check and they might deny you for providing false information.
If your ready to save hundreds of dollars a month on car insurance see our Car Insurance Calculator. It provides you with the lowest Car Insurance Rates around.
Article Source: http://EzineArticles.com/?expert=Shawn_Parker
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