Monthly Archives: July 2016

Tips That Can Save You More Money

Purchasing insurance for your car is a vital issue you must consider. So always remember this whenever you intend buying a car. If you think getting affordable auto insurance would be difficult, below are some guidelines to help you obtain car insurance at the best rate.

  1. Get yourself prepared before buying a car. You can do this by enrolling in a driving school and obtaining a certificate. This makes you less risky in the eyes of the insurer and also you become a safe driver.
  2. Make a list of the insurance rates of the cars in the company. This gives you an idea of the kind of car you should buy. It makes you know the cost of insuring a particular car model. You can decide to tell if you can afford it or not. This list could be gotten when you make a research online.
  3. Make another research via the internet to get a standard list of the deals on your car insurance premiums. In other to get variable alternatives, it is best you get quotes from different companies. When you get these quotes, you compare their different coverage’s before you decide on the best for you.
  4. There are things you could do to lower your premium rate. After buying your car you could install you anti theft protection. For example, a modern alarm system can be used for security. Y doing things you can reduce your premium and also protect your car.
  5. Find from your insurer if you are entitled to discounts. The discounts can be because of your gender or as a senior citizen.
  6. If you have an old car and you wish to insure it, obtain a professional suggestion on the issue from your insurer. You can request for free professional consultation.
  7. Even doing all this, there are still ways to reduce your premium rate during the years. Try not to get a bad driving record. Drive carefully to avoid accidents or traffic violation citations. This will get you a discount when you renew your car insurance. You can get extra discount and benefits by renewing your car insurance with the same provider.


Tips and Advice For Buying Auto Insurance For a Young Driver

Q: What is the best Kentucky auto insurance for a new driver? I just got my license and my parents do not want to add me to their insurance. Any advice? Thank you.

A: Unfortunately as a young driver the best Kentucky auto insurance you’ll be able to purchase will still cost more than it would for a driver with more experience. All new drivers are faced with higher insurance premiums because statistics show teen drivers are more likely to be involved in an auto accident.

All drivers in Kentucky are required to purchase automobile insurance that will cover a minimum of $60,000 dollars per accident. You must also keep proof of insurance in your vehicle at all times or risk a fine and possible loss of license.

The best auto insurance option will boil down to what you can afford. I understand your parents reluctance to add you to their insurance policy, but they may not be aware that since you are a minor they may be responsible for any accident you are involved in if you do not have enough insurance coverage. If they take this into consideration it may actually be less expensive and offer more protection for their assets if they do add you to their policy.


Tips For Getting More Insurance For Less Money

Auto insurance is a basic amenity for all car holders. We cannot say no to it even if we feel that it is coming as a heavy jolt to our pocket. Given a chance many of us would like to do without it. The big question arises, are we all aware of the fact why we need auto insurance. There are two major risks we are trying to cover in the process. One is the risk of covering the asset and the other is the risk of covering the health of the owner or the driver of the car. The car protects the third party against any personal injury or death related claims. The coverage covers the insurer against any charges of repair in case of an accident. It covers the asset against theft, vandalism or fire. Therefore we can see for ourselves that it is extremely important to go ahead an take up a policy for the vehicle that we have.

When we go shopping for an insurance the following needs to be kept in mind before buy a policy. The customer needs to take up a policy which goes according to the state requirement. The policy should cover personal injury protection and asset related damage problem in case of accidents. For e.g. if the customer has a $ 10,000 on injury protection and if he goes through a serious problem in which he is supposed to be hospitalized for a longer period of time $ 10,000 will not be enough. The customer would need to rework on his plan keeping this aspect in mind.

The customer should try to get his insurance from the same company from which he has his other insurances. This would help him to get an overall discount on all the policies he has taken from the company. The customer should watch out for the co insurance amount as that is a direct out of pocket expense which the customer needs to bear. The next would be for the customer to look out if he has completed five years with an insurance company. He again can ask the insurance company to bring down his premium amount.

The customer should consider the following points before he goes ahead and finalizes an insurance policy for himself.



Auto Insurance Tips For Foreign Travelers

Each year there are hundreds of people who travel to the US either for leisure purposes or on a business trip. However, when they arrive many times the travellers are not allowed to drive because they do no know what is required of them. Once you have everything available for you to drive in US, there are many auto insurance options that are available to you.

Before you fly to the US, the first thing you want to tick on your checklist is an International Driving License. You can get this in your country, so you have to contact the relevant authorities and explain them the situation asking them to issue you the card. Once you get this, you can drive any car you want, however, you must have the auto insurance. Few travellers do not get themselves insured because they would rather spend the money on something else. What they do not realize is the danger that they are putting themselves into. Even if they do get the insurance, it is only very limited and can only be used to cover the damages that are suffered by the car.

If you are on a leisure trip, there is a chance that you could run into an accident. If you do not have any sort of coverage, and it is a serious accident, all money which you had saved up for the trip might be spent in the medical bills. And even more. Getting the insurance should lift a huge burden off you because even if there is an accident, you would know that you will be backed up.

There are numerous insurance companies where you can buy different types of insurance policies. Go to the internet and look for the insurance policies that are offered by the companies in the state you are in. you can find various different deals, and on the web you can also compare prices of the different policies. However, if you do not plan to buy a car and just rent it, even then you can, and should get insurance. The companies that provide you with rent-a-car service will not issue you the car unless you have the insurance.