Have you ever wondered if what you know about Cheap Car Insurance is accurate? Consider the following paragraphs and compare what you know to the latest info on Cheap Car Insurance.
Finding the cheapest car insurance rate is simply a matter of comparison shopping. But how can you get the cheapest rate without spending hours on end talking to insurance agents? Here's how ...
Make a List
The first thing you need to do when it comes to getting the cheapest car insurance rate is to make a list of all the discounts you can get. Here are some of the biggest money savers:
1.Deductibles - Raising your insurance deductible from $200 to $500 can save you 30% on your insurance premium. Raising it to $1,000 could cut your premium in half.
2. Cars - The type of automobile you drive determines the insurance rate you pay. The difference in insuring an expensive sports car and an inexpensive family sedan can be as much as $1,000 a year.
3. Safety features and ant-theft devices - Most insurance companies will give you discounts for air bags, antilock brakes, and automatic seat belts. They will also give discounts if you have a burglar alarm or other anti-theft devices installed in your car.
I trust that what you've read so far has been informative. The following section should go a long way toward clearing up any uncertainty that may remain.
Eliminate unnecessary coverage
Drop your medical coverage if you already have a medical insurance policy that covers you, and get rid of your towing coverage if you're an AAA member.Eliminate your collision coverage, comprehensive coverage, or both if you drive an older model car and the cost of your annual premium is the same as the value of your car.
Go Shopping
Shopping online is a quick and convenient way to shop for most anything, and it's especially true when it comes to auto insurance. Rates for the same auto insurance coverage from different companies can vary as much as $1,000.
After you make your list of auto insurance discounts, fire up your computer and head to an online car insurance comparison site. Here you can get a number of quotes from top-rated insurance companies so you can compare quotes and choose the cheapest car insurance rate.
Sometimes it's tough to sort out all the details related to this subject, but I'm positive you'll have no trouble making sense of the information presented above.
Friday, March 13, 2009
Get The Cheapest Car Insurance Rate Quickly and Easily
Wednesday, March 11, 2009
Car Insurance Costs Teens - How Much Cost For An 18 Year Old?
Teen car insurance is a must, almost obligatory to protect both car and the teen. It is true that adding a teen in the insurance policy increases the premium for obvious reasons.
•The very high rate of drivers under 20 involved in accidents.
•The sense of irresponsibility and carelessness naturally found in teens.
•Mathematically, premium can skyrocket from 100-500% with teens in the policy
However, that doesn't mean depriving of car keys from your teen. There are easy steps and ways to eradicate "danger "keeping the insurance rate "low" and maintaining "safety" of your teen.
1.Having a clean driving record helps a lot. Since a single DWI conviction can raise car insurance premium from base premium of few hundreds to thousands of dollars yearly.
2.A good academic record and regular high school or college going teen wins greater discounts in car insurance policy of many companies.
3.Insurance companies prefer least risking teens that show responsible behavior and in this regard some driving school certificate or some community center membership is useful in proving the teen trust able for the companies. This gets him/her discount in policy and doesn't add up burden on you as well.
4.Safe car with safety measures is a blessing for your teens. It involves automatic seat belts, impact bags, anti-lock breaks etc.
5.Teaching him/her is the best on your part. For example what to do in case of emergency or how to report a claim, how many passengers to be in the car, respecting traffic rules and how to avoid all things you did wrong being a teen and now you don't want them to do.
6.Talking of stats, teens have to pay a lot more than you do. Tell them why is this? Why do the insurance companies not trust teen drivers? So that, they can learn what not to do.
Every family deserves the best, which includes teen car insurance but safety of the family comes first and to maintain that one has to be responsible and law-abiding.
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