Monthly Archives: April 2016

Helpful Auto Insurance Tips

If you need to obtain auto insurance then you should make sure that you first decide what type of coverage you will need. There are many types of auto insurance that you can get and many different kinds of coverage that you can get. This will affect how much you pay for your auto insurance. You don’t want to be caught without insurance, though, so make sure you get the right amount of coverage so that you have proof that you have it if you get pulled over.

It is tough if you drive without the proper car insurance coverage. If you are caught you will have big fines and maybe even a suspended driver’s license and vehicle registration. It is a major crime to drive a vehicle on public roads without the proper insurance.

If you want to find great insurance then you need to do a little bit of research online. This is because you want to read customer reviews and find out what they think about a particular insurance company. You don’t want to find out later that the insurance company you signed up with does not do well by their customers.

When you apply for a new insurance policy you will get a quote for the amount of insurance that you want. It is by law that you have to have $25,000 in bodily injury liability for each person, $50,000 for each accident and $25,000 for property damage liability. This is known as the 25/50/25 policy.

When you are covered with the right amount of coverage then you can consider getting more insurance. This is because you may want to be covered in case your car get stolen or maybe you want more coverage so if you are in a major accident that is your fault then you will be covered and the other party will be taken care of. If you don’t then you may be footing part of the bill. That is not fun.

Getting auto insurance is so important. Having it is nonnegotiable. Get the best policy for you at the price that you can afford. Go online and do the research you need to do before you sign up for any policy. If you follow these simple rules then you should be legal in no time. It will be a relief to get it taken care of.


Easy Auto Insurance Tips For Young Drivers

Turning sixteen is a big event in a teenager’s life. While getting your driver’s license is part of the excitement, turning sixteen and getting those keys symbolizes so much more than just the ability to drive – it symbolizes greater freedom and independence. However, with greater freedom comes greater responsibility which is why it’s important to insist that your young driver participate in everything that comes with driving, from the auto loan process to finding the right auto insurance policy. While young drivers are generally more expensive to insure, there are ways to decrease these monthly premiums.

Insurance companies offer many different types of discounts, some of which are specifically designed for young drivers. There are good student discounts, for example, that reduce monthly premiums based on good grades. The idea behind this, which is backed up by research, is that good grades are an indicator of responsibility in the classroom. And for young drivers, responsibility in the classroom means responsibility on the road. Auto insurance companies also offer discounts for taking defensive driving courses, something that many young drivers take as a matter of course when studying to take their driver’s test.

Another way to save money when insuring a young driver is to add the driver to a parent’s existing policy. While many parents encourage financial responsibility in their teens by asking them to secure and pay for their own auto insurance, this can get expensive. Instead, consider adding your teenager to your existing policy, and having him or her pay the difference to you. This way, he or she is still responsible for the insurance costs, but isn’t paying a ridiculous amount either.

However, if you feel that it is important that your teenage driver carries his or her own policy, there are a few other ways to save money on a policy. Comparison shopping is one powerful tool for saving money on auto insurance. In some cases, you can find the exact same policy at a cheaper rate through a larger, national insurance company. Another idea for helping your teenage driver save money on his or her policy is to have him or her drive a vehicle with certain safety features insurance companies look for.

By using these ideas, teenage drivers can save money on their auto insurance. Their rates are still likely to be high, but not as high as before. It’s only a matter of time before teenage drivers have built a clean driving record and a history of good grades, which will go a long way toward cheaper insurance policies in the future.


Discount Auto Insurance Tips For College Students

Graduating from high school and heading off to college whether it be thousands of miles away from the family home or just a few miles down the road in the same community can cause concern for a college student. They’re anxious to move into their own place of residence because they’ve been waiting for years to experience this freedom, even if it’s just a dormitory. That isn’t always the best way to go financially. If they continue to live under their parent’s roof, then the auto insurance may not be a problem. There are some requirements that the teenager might not like because it doesn’t give them the feeling of freedom they expected when they graduated from high school. They would need to register the vehicle under their parent’s name and then under their vehicle coverage policy also. This way they are still tied to their parents in a very big way and that feeling of freedom seems to be slipping away but they are saving hundreds of dollars.

If they are truly set on moving out on their own and starting their own life this will include obtaining their own insurance. There are discounts that may help them accomplish that dream. The young people of today are connected to the internet in every area of their life, they utilize it for school projects, for personal communication with people all over the world, and they can use it to find great insurance discounts and rates. Starting off with the type of vehicle the teenager chooses to drive, this can be a main factor in the premium quote. Hopefully, they weren’t able to talk their parents into letting them have a sports vehicle or a large truck with big wheels because the insurance premiums will be sky-high. If they thought about the situation of insurance beforehand, they would have chosen a smaller vehicle that had safety features already on it. This will qualify the teenager for a discount and if that vehicle can be parked safely in a locked garage the discount will be even better. A young vehicle owner also has a couple of other discounts they may be eligible for. One of them is a discount for getting good grades and keeping them at a certain high point average. Another discount the college student is probably eligible for is the good drivers rate which is offered to any driver that avoids moving violations, accident, and DUIs for a period of three years. Each three year segment that the driving record remains unmarked will continue to lower the premium even more. These two discounts are very important as the benefits from them keep increasing over the years.

There is also another option for these young people have regarding their auto insurance coverage. That is the choice they have of purchasing the type of insurance that would cover the damages, if they were at fault, of just the other parties vehicles, property, or any physical injuries. This is not the best option for a young person to chose due to the fact that if their vehicle is damaged and the other party is uninsured then their vehicle will have to be repaired out-of-pocket from the young vehicle owner. As can been seen by the above information, a young person can begin their life by moving out of their parent’s home and into their first home, usually along with other friends to save more money, and they will be able to locate reasonable auto insurance if they are determined and do the necessary research to find just the right one for them.