Monthly Archives: March 2016

Finding The Cheapest Auto Insurance

One of the biggest expenses for a family every month is the cost of keeping and maintaining a car. It might seem small when compared to a mortgage, but with several elements affecting a vehicle combining, the cost can be just as high. One way of lowering the cost, however, is to seek out the cheapest auto insurance possible.

The overall cost of a car includes auto loan payments (if not yet fully paid for), servicing and fuel charges. Insurance is another expense, and between the four of them, a car can cost as much as $700 – depending on the specific situation. So, finding low premium policies is a good way to lower the financial burden.

But finding these inexpensive auto insurance policies is not really the problem. There are thousands of insurance firms offering excellent rates. The problem is finding one that is inexpensive but also provides adequate coverage too. Here are a few pointers to securing the right – as well as lowest – policy possible.

Comparing Insurance Quotes

Logically, a key way of finding the cheapest auto insurance policies is to seek quotes from a variety of insurance brokers, then compare them to see which provides the most value for money. But while once upon a time, this was a slow process, the range of comparison sites online means everything is done almost instantaneously.

What must be remembered, however, is that the details of these quotes need to be examined closely. The price is important, but so too are the specifics of the coverage and what discounts may be available in the long run. This can help in ascertaining which low premium policies will actually be the best to choose.

Online, these third party sites ask for some basic information, so the results that are provided should only be used as a guide. To check the information in more detail, go to the website of each candidate broker and seek an auto insurance quote directly from them. Only then can a decision be made accurately.

Consider Insurance Bundling

With all of the aspects of modern living that require insurance protection, opting to bundle policies is often an effective way to save money. Home insurance, health insurance, life insurance and auto insurance are just four of the most common, and getting the cheapest auto insurance policy can often be achieved by getting all of these from the same company.

Discounts are common in the insurance industry, and competition between the companies is extremely high. So, if four or more policies can be taken by the same client, a company is willing to drop rates and offer a better deal. Then low premium policies become possible in practically all of the individual policy areas.

However, be sure to work out how the reduction in auto insurance premium actually affects the quality of coverage offered. It is possible that it does not lessen the coverage, but it is always a good idea to check these things out.

Change Your Lifestyle

Finally, it is important to understand that the terms of any insurance policy reflects the lifestyle of the policy holder. In fact, the cheapest auto insurance is available to those who have the most modest lifestyles.

If your car is used often, the insurance premium will be higher because the amount of time on the road, and therefore vulnerability, is more. Low premium policies are also available to those who drive short distances, have up-to-date security features, and to drivers with no speeding or even parking ticket histories.

So, it is worth curtailing use unless necessary, and keeping your nose clean in terms of driving offences. And to really make an impression and get the lower auto insurance, take driver refresher courses regularly.

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Tips For Reducing Your Insurance Expenses

Cars have been useful to humans since god knows when. Although cars offer the means for transportation, you never know when something will happening the future and this is why you need insurance.Getting low cost auto insurance is one way to be covered for your car safety needs. However auto insurance could be costly to you. If you plan to purchase a brand new car find our how much the insurance is before you but it. Do the same before you buy a used car to ensure you can afford the cover.

Below are ways to get lower priced auto insurance

#1 The drivers mileage can affect the cost of car insurance. A driver who drives more than 7,500 miles in a year could not be offered discounts. If this is the situation, the risk for an accident to happen is higher that is why discounts are offered to drivers who drive less than 7,500 miles.

#2The safety features of the car such as burglar alarms, airbags could provide you with discounts from the car insurance company.

#3 Applying for home insurance from the same company you got the car insurance from can provide discounts.

#4 To get discounts on your premium, you can increase your deductible for the insurance cover and this can get you low cost auto insurance.

#5 If you own an older car you should think twice about collision coverage in your deductible. The reason for this is that older cars are not worth that much and after the deductible is paid you may be out of pocket.

#6 If in case very minor accidents occur, like small mirror damage, it advisable not to file for a claim, it is much better if you can pay it with your own money. The reason for this is that if you have many claims the premium you will have will get higher.

#7 Before you decide on which insurance company you will get your insurance from you must first look for some companies offering different types of premiums and policies. You might stumble onto the best car insurance you can get and not risk your money with worthless plans offered by some companies.

#8 Drivers who have no history of car accidents or any violations will get discounts.

#9 Teenagers having their own car will have high insurance. The best option is by sharing the car with their parents or putting themselves on their cover to get low cost auto insurance.

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Saving Auto Insurance Tips for Senior Drivers

Following a few simple tips and taking these measures will ensure that you are getting the lowest rates possible on your auto insurance policy.

  1. Avoid more Accidents, Pay Close Attention at Intersections. Auto accidents involving seniors often occur at intersections. Make sure to look ahead if you plan to quickly change lanes after an intersection. Pay attention to protected left turn lanes with their own arrows, and always keep your tires pointed straight ahead when stopped, so that a rear-end accident doesn’t push you into oncoming traffic.
  2. Follow the flow of traffic, Drive at the at or near the speed limit. Driving too slowly can be just as dangerous as speeding, especially when entering or exiting interstates or freeways. It can also trigger dangerous “road rage” in less patient drivers. You don’t have to be Mario Andretti, but keeping to the right and following the flow of traffic is the safest bet.
  3. Many violations include failure to yield right-of-way, improper turning or incorrect lane changes, so keep current on the traffic laws relating to new traffic designs.
  4. Sit high enough in your seat so that you can see at least 10 feet in front of your car, advises the National Highway Traffic Safety Administration. If your car seat does not adjust to allow this, add a cushion. This will make it easier to see pedestrians and bike riders, and reduce problems from oncoming headlight glare at night.
  5. Do not wear sunglasses or tinted glasses when driving at night. For many older drivers, night vision is reduced, so safety dictates not driving at twilight or after dark.
  6. Make sure you learn how to operate a New Car. Things like Anti-lock brakes, for example operate differently in slippery situations. If you have never driven a car with anti-lock brakes, sure to get training on proper use.
  7. Senior drivers can refresh their skills and knowledge — and get a discount on auto insurance in many states — by taking a refresher driving course, such as the eight-hour “55 Alive” course offered by AARP. More than two-thirds of states mandate auto insurance policy discounts for such courses, and many insurance companies offer the discounts voluntarily.
  8. Look for cars with rear-view mirrors that automatically dim and filter out headlight glare.
  9. Air bag technology has become more advanced, with sensors that deploy air bags based on the weight of the occupant, reducing air-bag-related injuries. Some new cars also have side air bags in the seats or door frame that offer better protection.
  10. Consider fit and comfort in your new car. Seat belts that comfortably fit over your shoulder and low on your lap will keep you safer. Automatic transmission, power steering and power brakes require less physical effort.
  11. Last but definitely not least, Check to see which companies offer specific ‘Senior Discounts’ While shopping around for the best auto insurance rates is important, which insurance company you choose might depend on how they treat senior drivers. You’ll get their best rates if you’re healthy and drive a safe, modern vehicle.
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