Insider Secrets to Help you Save on Car Insurance

Car insurance is something that we all must have, it's the law. It's very important to have the best coverage but as well the best prices and going for the minimal cost is not the best option and it's always better to have more coverage and paying a little more can go a long way.

How can you get the best rates when it comes to car insurance ?

So many methods are mentioned but some are not talked about as frequent. Most people listen to the insurance company advice, even when it doesn't benefit the insured, but rather the insurer. So be careful and do your home work on the issue.

Here are some insider tips to help you save on your car insurance

Your Credit Matters

It’s not a well-known fact, but your credit score affects what you pay for auto insurance. When you apply for an auto insurance policy, most insurance companies pull your credit history. Studies show that there is a link between credit scores and the likelihood that a person files a claim. Additionally, those with higher credit scores tend to make payments on time and stay with the same company for longer periods, which is in direct contrast to the patterns that people with lower credit scores display. One important thing to note is that insurance companies do not pull your credit, they simply use information from your existing credit report. So when you get an insurance quote, it does NOT put a blemish or a hit on your credit report as it is considered a soft hit. These types of hits have no negative impact since the insurance company is not looking to extend credit to you, they are just using the data.

Using information from your credit history, insurance companies calculate your insurance risk score, which affects the premium you pay. If you have had recent changes in credit rating or are waiting for some negative elements to be corrected on your credit report, you may be able to get lower auto insurance rates, but you have to wait until your credit rises.

Pay Now, Save Later

Paying your annual premium in full or through an electronic fund transfer (EFT) helps you save big money.

Many insurance companies offer a discount -- typically up to 10% -- if you pay your annual premium in full. If you do choose to make monthly payments, using EFT rather than paying with a credit card or check eliminates payment-processing fees, saving you around $8 per payment.

Bundling Value

If you already have, or plan on getting, homeowners insurance, use the same company to purchase your auto insurance.

Combining (or bundling) your policies with the same company often brings major savings, as most insurance companies offer discounts up to 25% when you purchase multiple policies. Many carriers now offer one policy for both your auto and home, saving you even more.

Save Your Claims

The quantity of claims, not the cost, greatly impacts your auto insurance premium. A claim of $1,500, $15,000 or $150,000 generates the same surcharge to your policy.

The higher your deductible, the lower your premium. Save your money and try not to file claims that are affordable out of pocket. Save your claims for the “big ones” that are truly necessary.
- See more at: http://www.miainc.com/blog/bid/312126/Five-Auto-Insurance-Insider-Secrets-To-Help-You-Save-Money#sthash.FR8XVH6c.dpuf

There are various way to save on your car insurance bills, the more research you do and the more you know will help you save thousands of dollars off car insurance, but you also get the great coverage to have you covered in case of a bad accident.

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12 Awesome tips to help you save on auto insurance - Video

These are Awesome tips that will help you save even more off your auto insurance policy.

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5 Great ways to save and great coverage on your car insurance

1. Good drivers get a special discount known as the good driver discount. If you have stayed claims-free for more than three years, you are entitled to this discount...

What if your insurer refuses to give you this discount?

Then tell them you will move over to another insurer. Any driver with a history as good as yours shouldn't have any problems getting much lower rates -- You are every insurer's dream.

The mere threat of leaving should make them shift grounds. But if they don't, look for another insurer.

2. Where you leave is also very important if you want to get more affordable rates. That's why insurers will always ask for your zip code.

Accidents are far more likely in densely populated cities than rural areas. The same also applies to things like break ins and vandalism.

Different areas in the same city also have different risk threats: Car theft rate (especially for your particular vehicle), crash rate and so on.

Therefore, check things like these if you are shopping for a new home

3. Go for the minimum bodily injury liability coverage stipulated by your state's law if you want to get very cheap auto insurance rates. However, in addition, get an umbrella policy.

An umbrella policy gives you far more liability coverage per dollar spent than even the most extensive liability coverage within an auto insurance policy. An example will buttress this point...

Let's assume that a man of about 35 years (who lives in New York City) wants to increase his policy's bodily injury liability coverage of $25,000/$50,000 to $100,000/$300,000...

He'll have to spend about $300 extra in premium.

But compare this to the fact that he could get a $1 million umbrella policy for just less than $300.

It even gets better...

If he chooses to raise the coverage amount of his umbrella policy to $2 million dollars, he'll only have to pay only $75 more.

That's $375 for $2 million worth of liability coverage!

See? That's superior coverage at a much cheaper rate -- That's the advantage in adding an umbrella policy instead.

But why should you care about bodily in an auto insurance policy?

People get hurt in accidents. And you will be responsible for the claims awarded if you are found to be at fault. Claims awarded could get into the million dollar range and above in certain cases

And did you know that lawyers can go after your assets if you don't have enough liability coverage to take care of claims awarded against you? This means you could easily lose your life savings and even your home if you don't have the right protection.

But that's NOT all about the benefits associated with an umbrella policy...

...You also get liability coverage that extends beyond automobile related liability claims. An umbrella policy extends to your home and much more

4. Belonging to certain professions attracts a discount. An engineer, for example, attracts much cheaper car insurance rates than an engineer. The reason for such discounts is that some professions have been proven to be better risks

Your agent is in a good position to tell you if your occupation is eligible for certain discounts. Nevertheless, the discount you'll be given varies from company to company

5. Maintaining more than one policy with the same carrier also attracts remarkable savings. All you must do to qualify for this is to purchase your auto insurance policy from the same insurance carrier who is underwriting, say, your home insurance.

However, take note of the following...

Because an insurance provider gave you cheap rates for one policy doesn't mean they will for another. Do some research with quotes sites and then discuss with your agent. Thereafter, you'll be sure as you make your choice because you'll then know which is more beneficial

Driving Tips for the Older Drivers

Drivers come in almost all ages, young driver to the old. We can always refresh our memory on important tips that will help us be better drivers everyday. Getting older does mean you have much more experience driver then young drivers, but that doesn't mean one can become careless even with the great experience.

Here are great tips to look into.

Tips for Older Drivers:

Buckle up — Wearing a seatbelt lowers the risk of serious injury in an accident by 60%. When combined with airbags, the risk is lowered by 85%.1 Plus, in most states, not wearing a seatbelt can mean a ticket, which can lead to higher insurance rates.

Be alert — Avoid distractions including conversations with passengers, the car radio, and especially cell phones. Regardless of age, a driver talking on the phone is four times more likely to get into a serious accident.2

Know your limits — Get regular medical checkups, including vision and hearing. Recognize your changing capabilities: arthritis, stress, other conditions and medications can affect reaction times. Driving for extended periods will strain muscles, vision and concentration.

Know the road — Avoid driving on unfamiliar roads, at night, in bad weather and during rush hour. Although older drivers have fewer accidents than younger drivers, they tend to have significantly more accidents per mile driven,3 so it’s a good idea to make those miles safer.

A well-maintained car is a safe car — Reduce your worry - and your risk of accident - by keeping your car well maintained. That includes tire safety, watching out for curbs and potholes, regular oil and fluid checks, and making sure that emergency equipment, cell phone, and a first-aid kit are always in the car.

Take an older driver safety course — An older driver safety course may help reduce your premium, but more importantly can help you hone your skills as your driving style changes with age.

http://www.nationalgeneral.com/auto-insurance/lifes-highway/older-drivers.asp

It's important to drive carefully and safely because it's not always about saving money off insurance, but more about saving lives and being a great driver.

Hope you got value from this post and have a great day

Great Long Travel Tips For Drivers

Are you planning a long trip soon ? well these tips will certainly help you on that trip.

1. Before beginning a long drive, always get enough sleep and eat something before you go. Highly caffeinated beverages are not necessarily the best way to stay awake while driving. While initially you will feel more alert, the effects can recede with time, and your attention may wander although you remain awake.

2. Pull over and take breaks every couple of hours, even if you don't feel sleepy. Grab a snack, get some fresh air, and stretch your legs by walking around. If you need to, take a quick nap.

3. If you can, share the driving responsibilities with someone else. This will allow you to keep an eye on each other while driving and also enable you to nap without losing time. If you're driving alone, turn on the radio or put on some music, and keep your window cracked open. You may also want to refrain from using your cruise control if you're driving alone at night -- having to concentrate on maintaining your speed can help you stay awake.

4. If you do have to pull over, move your vehicle off the road. Never park on the shoulder or in the breakdown lane for any reason except an emergency.

The Eight Best U.S. Road Trips

5. Know the laws along your route concerning cell phone use while driving. While it may be legal in one place, it may be illegal in another, and ignorance is not typically an acceptable excuse for a violation. Here's a handy chart of cell phone laws by state (keep in mind that this information can change at any time). However, even if it's legal to talk on a cell phone where you're going, it's usually safest to use a hands-free device.

6. If you don't know this one, shame on you. Never drink any alcohol before your trip. While you may not become intoxicated from one beer, you will become sleepy.

Save on Your Next Car Rental

7. Keep an eye on the skies, and if you can, plan a route around inclement weather. A minor detour could actually wind up saving you major time.

8. Search the Web for traffic update sites and listen to radio traffic alerts, especially when approaching major cities. If you don't have a smartphone, all-news stations on the AM dial are often your best bet.

woman map road trip9. Not even a GPS unit is infallible, so we recommend bringing a detailed map or road atlas as a backup just in case. A mapping app on your smartphone is another must-have for long road trips.

10. If you are driving a rental vehicle, familiarize yourself with the car and all of its equipment (horn, brakes, hazard lights). For an amusing but true look at this issue, see The First 10 Minutes of Your Car Rental.

Plan Your Road Trip

11. Lock all of your valuables (especially items that are clearly gifts) in the trunk or glove compartment and stow all luggage in the trunk. For more ideas, see Nine Ways to Keep Your Car Safe on the Road.

12. Familiarize yourself with local traffic laws, which vary from state to state and especially overseas. Is it legal to make a right turn at a red light? What are the rules on yielding to pedestrians? For more on international car travel, see Renting a Car Abroad.

13. Before setting off on a long car trip, be sure your vehicle is in prime condition -- that tires are properly inflated, all fluids are at their proper levels and you have a full tank of gas. (For particularly long road trips, you may want to have your mechanic do a more thorough check.)

14. Consider becoming a member of AAA or signing up for your car insurer's roadside assistance program. You won't regret it when your car breaks down on a lonely back road.

15. Keep costs down by conserving gas as you drive. Minimize sudden starts and stops, empty your car of all unnecessary weight, and slow down -- it takes much less fuel to drive 55 miles an hour than it does to drive 70. For more ideas, see Save Gas and Money.

16. Don't wait until your gas gauge is sitting on E to refuel. On an unfamiliar road, you never know when the next gas station will appear. As soon as you hit a quarter of a tank, start looking for a place to fill up.

17. When traveling with kids, be sure to stop often -- not just for snacks and potty breaks, but also for fun. See a cool playground along the way? Pull over and throw a Frisbee around. You'll also want to pack toys, books and music for the car -- not to mention your motion sickness remedy of choice. For more ideas, see Family Car Travel.

18. Feeling munchy? Stock up on snacks and drinks at grocery stores rather than gas stations or convenience stores -- you'll get a wider and healthier selection, as well as better prices. For more advice, see Eating Well and Staying Active.

19. On longer trips, keep napkins, plasticware and a small cooler handy for meals on the go. You'll also want some spare change for tolls, as well as a first-aid kit, flashlight, pillow and blanket. Keep a set of jumper cables, a spare tire or donut, and extra fluids for the car (such as windshield wiper fluid) in your trunk.

20. This last tip should go without saying, but it's important enough that we'll say it anyway: Make sure everyone in the car buckles his or her seatbelt. Not only will it keep you safe, but in many places it's also the law.

Get the full post here http://www.independenttraveler.com/travel-tips/car-travel/top-20-safe-driving-tips

5 Tips to Get Cheaper Car Insurance

It's amazing how much you can save by knowing the right information and preparing yourself before getting car insurance.

I found this amazing article giving 25 different tips and ways to get cheaper car insurance and I Will share the first 5 with you and recommend you check their full post

1. Comparison Shop

Finding the most affordable car insurance isn’t as hard as it once was. With so many different car insurance agents located all around the country, and some available exclusively online, your options are now more plentiful than ever before. The hard part is sorting them out in order to make sure you are getting the most affordable rates while still maintaining the exact amount of coverage you need.

The first thing you should do when looking for cheap car insurance is comparison shop. Consult your area’s local phone book, call or visit agencies near you, and remember to take notes regarding prices.

Next you’ll want to do some online research to find out your online car insurance options. Again, take notes and compare these to the notes you have concerning local agents.

Finally, ask your friends and family members what insurer they use, and ask for any recommendations or warnings they may have about other agencies. You’re sure to receive an unbiased opinion every time.


2. Age-Based Discounts

Many younger drivers may not realize this, but your age is an important factor in setting the exact price of your auto insurance premium. You’ll typically see premiums lowered once you hit the age of 25, with discounts that can sometimes be as high as 20%, though other factors such as marital status and driving record are also taken into consideration.

The lowest premiums associated with cheap car insurance rates are typically given to drivers between the ages of 25 and 55. This age group is considered to be amongst the safest drivers on the road; certainly safer than teenagers and elderly drivers.

Depending on your insurance agent you may also see discounts as you age beyond 25. These discounts usually cease once a driver reaches their mid 50’s, though you may be eligible to receive other discounts on your car insurance at that time.

3. Move to a Lower-Crime Area.

The location of your home as well as your daily commute to the workplace is also taken into consideration by insurance agents when determining your car insurance premiums. This is a factor for a number of good reasons.

Individuals who live and park their car in wealthy neighborhoods are statistically less likely to have their car stolen, broken into, or damaged while it is parked overnight. Secondly, those who have shorter commutes to and from work are statistically less likely to be involved in an accident as they spend less time on the road than drivers with longer commutes.

This is why agents always make sure your home address and telephone number is correct. They use this information to determine if you live in a low-risk neighborhood or a high-risk area, and they compare with your employer’s information to determine how long of a commute you have back and forth each day. This will determine the exact rate of your cheap car insurance.

4. Consider Getting a Different Vehicle if Savings Warrant it

Did you know that insurance on a honda can be more expensive than insurance on a Jaguar?

The exact make and specific model of your vehicle is also used to determine how much you pay for cheap car insurance. This information is important to your insurance agent for a number of reasons.

The newer the car, the higher the repair/replacement cost.

On the other hand, First of all, some vehicles are simply more reliable than others. A used vehicle that’s been on the road for 20 years is not nearly as reliable as a brand new car. Though it may be more affordable to buy the older, used car, you may wind up paying higher insurance rates because of it.

Owners of sports cars and luxury vehicles can also expect higher premiums than most other drivers. These automobiles are usually capable of much greater speeds than other vehicles on the road, and some may even have upgrades or aftermarket parts added on. All of this increases the risk of an accident or breakdown, and your agent will charge you extra for the coverage.

5. Increasing Your Deductible Can Save You $100′s a Year

A deductible is the amount of money you are actually required to pay out in the event of an accident before your insurer will pay out on your claim. The amount of your deductible is also one of the biggest factors in determining your auto insurance premiums. In fact, the larger this deductible is, the less you’ll have to pay for coverage on a month-to-month basis.

Most drivers don’t realize this, but most agents will actually allow you to raise the deductible amount in order to lower your monthly rates. If you’re looking for cheap car insurance then this is a good deal for you; especially if you have a clean driving record as you may not ever have to actually pay this deductible. Ask your agent if they offer this service and, if they do, ask them how much you’ll be able to save by going with an increased deductible. The answer may surprise you. Full post http://www.cheapcarinsurance.net/three-great-ways-to-get-cheap-car-insurance/

Don't just get insurance based on what the agent tells you. It's better to prepare yourself and get the best coverage that suits you and your needs.

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Tips On Becoming a Better Driver

Being on the road a lot it's important to be as safe as possible with your driving techniques and habits. It's very important for your safety, as well others that you take charge and stay focused to your surroundings.

I found a Great articles " 9 Tips to Better Driver"


Here are some of those Great Tips

1. Know Your Car

For a start, I’m very serious about all the points here. I’m laying them out because not every driver seems to be aware. Here: Get to know your car. Read the manual. Take the car out and do braking maneuvers (where allowed and safe). Take the car out and see how it reacts in rain or in snow. Few people know how their cars react in adverse conditions. That’s where we need to know them the most though, and where we learn the most.
2. Configure and Watch The Mirrors

A few months back I shared on Google+ how mirrors should be set up. It appeared to me that the few responses were coming from “oh, well I know how to set up mirrors on a car.” Maybe. That just stands in contrast to what we observe out there, where we rarely if ever see mirrors adjusted correctly. From Skip Barber:

Make sure the side view mirrors perform their intended function. They’re meant to view beside the car, not the side of the car. What do you really need to see; your rear bumper or the car in the next lane?

Adjust the side mirrors out just so you can no longer see the side of your own car. This should help reduce traditional blind spots.

I learned this the “hard” way, maybe ten years ago, when a good friend of mine teased me, to tears, because of my mirror setup. I now promise to give anyone here the same sort of tough love when I find them watching their own car in the mirrors.

Once set up right, mirrors become even more useful.
3. Use Turn Signals (When They Matter)

This just for the folks who simply never use their turn signals: Sometimes they’re actually important, so please learn to tell when that’s the case. They don’t matter as much when nobody’s around, or doing the same thing. But if there’s somebody around and not doing the same thing, use turn signals. It can actually be dangerous not to use them.
4. Look Ahead

Simply watching the car in front is not safe, and gets unsafer and unsafer the shorter the following distance is. Try to look ahead and see what’s coming up 200, 500, or 1,000 meters ahead. One does still, immediately notice if the person in front is doing something unexpected, like braking unnecessarily because they don’t keep a sufficient distance.

The habit of looking ahead led me to dislike trucks and SUVs in front because they block too much of the view. I either increase my following distance—or try to pass. The first option is the better one. The second option is the one that people sometimes confuse for… aggression. Well.
5. Keep a Safety Margin

I featured this in the aforementioned earlier post on driving but it’s worth repeating: Maintain a safe, comfy distance to the car in front.

The law and the experts are on the very defensive side (if in doubt, err on the side of following them). What I’ve always found interesting, to say it this way, is how law and experts ignore factors like probabilities. There is a difference between maintaining a distance x when there’s lots of traffic and one can’t look ahead, for example, and when there’s little traffic and clear view on the road ahead. Read the Full Post here http://meiert.com/en/blog/20130910/become-a-better-driver/

Being a very experienced driver I would have to agree with all the mentioned tips and recommend you go read the rest of the tips to truly become a much better Driver

Buying a Car for first time ? Here are Great tips that will help you make a good decision.

I remember when I was looking for my first car, I was so excited and eager to get my hands on that wheel and drive off to the sunset. But also knew I had to take sometime to make sure I get the best deal I can find on my perfect car.

Shopping around is always a great way to start, don't listen to the sales men/women who will push to have you buy on the spot and don't ever let them pressure you to sign when you are not ready.

Buying a car is not something as simple as buying a dress or shoes where if you are not happy with it, you can simply return it for your money back.

Here are great tips I found which will help you as they helped me make a good decision when it comes to buying my first car.

Tips for First-Time Car Buyers:

1. Slow Down!

Approach the car buying business like you approach a very appealing new date. You know how careful, even hesitant you can be when you see a fascinating stranger? That attitude works really well when it comes to the car business!

2. Don't depend on the seller of a vehicle or vehicle financing to "educate" you about their business.

Lots of car people are going to want to spend time with you the moment they think you have money, or have a parent who will help you get your first car. But even the most honest seller can't really help you. So what's the message? Don't even go near a car lot until you've done your homework!

3. Don't think you have to spend a fortune to get a good car.
You don't. Many times, the best car can cost a couple of thousand or less. But there are two rules in the car business that make it very hard to buy a good, cheap car:

Most cheap cars are junk, especially if you buy them from a dealer. The dealers who exclusively sell "cheap" cars are often a lot less reputable than other used-car outlets. Plus, these sellers usually try to make too much money on their customers.
Looks don't tell you anything about the reliability of a vehicle. This is true about all vehicles, but it's more real if you're looking for a really inexpensive car.

So, how do you buy a cheap car the right way?
First, you buy it from an individual, if at all possible. (And not one selling on the curb of a vacant lot—usually a con.)
Second, you buy the simplest car you can find. For instance, if you're buying a fifteen-year-old car, don't buy one with lots of options that can break, like power windows.


4. Never buy a vehicle without checking out the cost of collision and liability insurance before you buy it.
Did you know that in many states it can cost you five times as much to insure an eight-cylinder 2-door sports car than it can to insure an identical car with a four-cylinder engine? Sellers of cars generally don't tell you things like that. FoolProof can tell you what affects the cost of insurance.

5. If your first car is going to also be your first major credit experience, don't blow it!
How you pay your first loan—even if that loan is in your parent's name or guaranteed by your parents—will affect your ability to get credit for decades. Do this right, and you'll never regret it. "Right" means never financing without comparing the dealer's contract to this credit union's contract. We'll tell you how to do that in a minute.

6. Never buy your car on your first visit. All dealerships want to sell you the first time you visit them.

Why? They make a lot more money if you don't have time to compare their deal.

7. Never fall for "spot" delivery.

When dealers are making a lot of money on you, they just love to send you home with the car the minute you sign the paperwork. Don't fall for it! Spot delivery means your emotions, not your wallet, are ruling the transaction.

8. Never buy a used car without having it checked out by a mechanic.

Most first-time car buyers spend all their money on a car, then don't have repair money for the almost inevitable problems any used car will have. Don't be that dumb: find out what's wrong with the vehicle before you buy, then budget the money you'll need to put it in good working order.

9. If you're buying used, never automatically finance with the dealer.

Here's a way to always know who is cheaper: Insist that the dealer gives you a copy of their finance contract and bring it to this credit union. If our contract isn't cheaper, we'll tell you.

10. Remember that the price of the car isn't where most sellers make their profit.
The profit is made on add-on charges. Everybody will sell you a car cheap, new or used, if you know how to ask. But those same sellers can make thousands on you in other charges. We won't let that happen.

11. Talk to us before you shop.
The minute you start thinking about new wheels, stop by one of our branches. We'll help you plan your auto attack.

12. Research your options.
See if there's more sources you need before you can buy yourself that car, don't rely on just one.
more here http://cuhq.foolproofonline.info/bayportcu/cars/12tips/

As you can see there are many things to consider when you want to buy your first car and most importantly it's to protect yourself from the hawks in dealership as well other places that wish to take advantage of you and take your money.

Hope you find this helpful

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Great Tips to Help you save Money on your Car Insurance premium

Being a driver i know how expensive it can be to get car insurance, so I was searching online for great tips to help all my blogging friends save a good deal of money on their insurance coverage.

So many different ways to save when it comes to car insurance and it's important to put in the proper time to look into your options and how you can save money off your car insurance policy with out giving up good coverage

Here are a great deal of tips i found that will help you get amazing prices when you are shopping for car insurance out there.

Multi-car

If you have more than one vehicle, having them all insured in one policy with the same company often qualifies you for a multi-car discount of 25% per vehicle on average.

Be aware that each car must be registered in your name and driven by drivers listed on the policy.

Bundling

When you combine your car insurance with other types of insurance such as renters’ or homeowners’ policies, you can usually qualify for a discount.

Not to mention, it’s a heck of a lot easier to make one payment to one company.
New Car Safety Features

When considering your purchase of a new or pre-owned car less than three years old, remember that features like passive restraint systems (airbags, motorized seat belts) can save you even more money.

Because the inclusion of safety features in new cars can qualify you for a variety of discounts, check with your insurance carrier to see which ones you can claim on your policy.

Finally, keep in mind that it’s becoming increasingly common for insurance carriers to offer discounts for alternative fuel and eco-friendly models.

Safe Driver

Many insurance providers give discounts to drivers who voluntarily elect to take a defensive driving course.

In addition, if you have a clean driving record (i.e., no accidents or moving violations for a specified number of years), you can probably take advantage of additional savings.

Finally, if your new or old vehicle is equipped with safety equipment such as antilock brakes, an alarm system or running lights, you’ll save more.

Married Driver

For whatever reason, statistics show that married drivers have fewer motor vehicle accidents than single people.

As a result, car insurance companies – who take statistics very seriously when formulating their policies – often provide married driver discounts.

If you’re already married (tip: don’t get married just to save on car insurance), ask your insurance carrier for this discount.

If you’re a newlywed, be sure to combine your beloved’s policy with yours to save more (see the multi-car discount above).

Home Ownership

Like with marriage, owning a home apparently shows insurance carriers that you are now a responsible adult.

This perceived stability also suggests that you are a more careful driver and so voila!, the home ownership discount was born. Enjoy.
Currently Insured/Early Signing

Many insurance carriers will offer a discount if you switch to them before your existing policy with another provider expires.

By not waiting until your policy ends before signing with a new provider, you can potentially knock up to 10% off your bill.

Teen Driver

Yes, usually the younger the driver, the higher the premium, however if your teen gets good grades (above a B average) or attends college more than 100 miles from home (and doesn’t bring his or her car), you can somewhat offset the cost of adding a teen to your policy.

In addition, naming your teenager as an occasional driver of your least expensive car will help you save some money.

Finally, add your son or daughter to your existing policy to take advantage of multi-car discounts.

Other

Some additional discounts your insurance carrier may not mention include savings for those in low-risk occupations, people who belong to professional organizations or the military, and buyers who opt to pay the premium all at once through auto-pay, and/or using paperless billing.

Drivers over the age of 55 may also enjoy a senior discount.

Finally, it can’t hurt to inquire about loyalty discounts, which will vary depending on how long you’ve been a customer, and renewal discounts if you renew your policy in advance of the renewal date.

While certainly not exhaustive, the above list can put you on course to save on your car insurance.

It’s also important to remember that even a company that provides the most discounts may not necessarily offer the lowest auto insurance rates, so it’s important to shop around and compare auto insurance quotes.  more here - http://blog.mint.com/consumer-iq/8-car-insurance-discounts-you-need-to-know-about-0813/

I really hope you have gotten a good idea on what you can do to save money off your car insurance. A dollar saved is a dollar earned they say and I have to agree with that, cause saving alot of money means extra money  in my pockets :)

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Bigger Savings on Car Insurance Quotes

Bigger Savings on Car Insurance Quotes


A car insurance firm that offers quotes can be perfect for budget conscious individuals who would like to save lots of money after buying a car. But of course, you have to make sure that every aspect will be considered so that the insurance policy will truly be favorable on your part in the long run. The advent of technology makes it so easy for everyone to look for cheaper deals with all the available information for them online. You just have to compare the prices of most car insurance firm that you will come across with so that you will find the one that will truly fit in to your needs. 

With the advent of technology available today, you will not have a hard time finding a good insurance company that offer bigger savings. The newest internet technology today will enable you to find a car insurance firm that offer quotes without having a hard time. Some people will find it hard to look for the best and affordable one but you will not suffer, because there are lots of great deals that are available for you to online. Some people might find it difficult to look for the best options as well because of vast choices that are laid over them but exerting some effort will surely make things easier for you along the way.

The car insurance premiums are priced with regards to the risk level of the insurer. As a car owner, you need to know all these things to be able to help you in getting the best type of car insurance in the market all the time. Some of the main factors that must be considered in getting car insurance are the model of the vehicle, the capability of the engine and the actual age of the car. You also need to know that the usage of the vehicle is also important if it will be used for private, for commercial and for corporate use. The age, gender and the work of the driver is also important along with some other information like the marital status of the driver, the years of experience of the driver and the claim history of the driver as well. All these are very important in getting car insurance, but there are still lots of things that must be considered as well.

Nevertheless, people can easily ask for quotes online through car insurance firms. You can get quotes in as easy as 1, 2 and 3. You do not need to go to the company to get quotes and there is no need to drive all the way there. It will be convenient for you to get quotes nowadays with the advent of internet technology. You can even get variety of quotes from different companies and then compare them one by one without exerting an effort. Keeping all these things in mind can be of great help to you along the way. You can also ask a car insurance agent for quotes or you can get it from the online site of the insurance company.

Tips for a lower insurance cost for Young Drivers

Tips for a lower insurance cost for Young Drivers

Young drivers do not get affordable insurance all the time; this is because they are not familiar with their options and the ways to choose the right one. In this article you will learn some of the important tips on how making the car insurance premium lower.

Be good in school

Drivers who are still in school must get high grades all the time, because there are some insurance firms that offer affordable insurance premiums for young drivers with good grades. Smart people will less likely to get involved in an accident and this is quite real on the other hand.

Buy car insurance online

If you will buy a car insurance online, you will be charged less by the insurance provider. This is the truth that drivers must face these days. When you buy online, you will not spend a lot of time and you will not pay for an agent for helping you as well. You and the insurance firm will win when you buy the insurance premium online, they will also deduct some discounts, so you can buy affordable car insurance.

Don’t drive all the time

Do you know that the more you drive, the higher the risk you will get in engaging in an accident? The insurance firms do not like this at all. You have to be more conscious with the mileage you use yearly, so you will end up with more savings.

Buy an older and inexpensive car

The truth still remains that you are young and that you have still lots of years ahead of you, you can start with the basic car first before you upgrade to a lavish one. Expensive cars will cost more than the old modeled cars.

Pay your bills on time


If you will pay your bills on time, the insurance company will think that you are a responsible person and because driving is about being a responsible individual, you can get the sympathy of the insurance company. Insurance firms may give you an affordable car insurance meant for young drivers who pay their bills on time.

How to Promote Private Liability Insurance on Cars

How to Promote  Private Liability Insurance on Cars

Car insurance is one of the most vital aspects of being a vehicle owner and this is something you shouldn’t hold back. There are important things you need to know before you jump into getting the quotes that you need for comparison of the policy and plan that you would like to acquire. If you consider finding the best, high quality and affordable policy, you shouldn’t always think that you will have a hard time because there are lots of new resources online that can be very helpful to you. Most of the websites today are offering low insurance rates and widest coverage for your needs.

With all the expensive commodities available these days, vehicle maintenance is also going up. As a vehicle owner and driver, you need to find ways on how you can save money and since you cannot save for the high cost of gas; you need to find ways of how you can save. Finding a car, insurance will be very helpful to you most, especially if you will also find a private liability insurance. One way to save is through cutting the cost of your auto insurance. A lot of people might be thinking of doing that, but they don’t know how. A lot of insurance companies today are offering cheaper car insurance deals for people to find out what type of plan they would want for their auto insurance.

Private liability insurance is suitable for everyone who would like to protect their homes, properties such as your house and everything inside it, your car and assets for the coverage of their properties. Without this type of insurance, you will have a hard time to recover for all your losses. In many cases, it helps by providing protection from financial uncertainties that may happen in the future. The internet is one of the best ways for you to find cheaper car insurance that you need for your car along with it, you also need to look for a good liability insurance company.

Did you know that a lot of insurance companies are using a variety of marketing methodologies to attract clients like you? Anyone will surely benefit from getting insurance and they will protect you from all the risks that you may encounter every day in life. This type of private liability insurance offers you the best contract regardless if you need one for your car or for your home. Regardless if you need one for your protection or just for the thought of claiming when accident arise, learning more about the marketing plan that most companies are using will also be helpful to you.

You will not have a hard time finding the best one for your needs, simply because there are lots of Private liability insurance companies offered by various companies depending on the type of policy you would like to have and the type of discount you are looking for too. This can be one of the best ways for you to lessen the amount of bills you are paying for every payday.

Getting Low Cost Auto Insurance Tips

Getting Low Cost Auto Insurance Tips

The most common type of car insurance is the comprehensive coverage. It covers any expenses of damages that are not caused by any other driver. It popularly includes natural disasters such as storms, floods or hail. It also includes animal collision, theft or vandalism. This type of auto insurance doesn’t require a minimum payment, but the entire cost is usually high. There is also insurance coverage that covers collision with other cars or objects where the driver can decide on how much to pay for this type of coverage. There is also a type of auto insurance called liability coverage, which covers any damage or liability a driver causes to another person or property. There are also specified types of car insurance for special types of cars, such as classic or vintage cars. Rented cars can also have its insurance.

Your chosen car can also determine the cost of your insurance. Usually, cars with lower costs of repair have lower yearly insurance rates. Old models that have lower priced spare parts could also be priced lower in terms of insurance. Some insurance companies give discounts if you avail of other types of insurance such as your home insurance aside from the car insurance. Car enthusiasts love to modify their car, but there are times that it would affect the cost of the insurance. It will be best to contact your insurance provider prior to making any changes to your vehicle for you to be sure if there will be any effect on your insurance coverage or prices.

Availing low cost auto insurance is possible by considering a number of things depending on the type of your car and the plan you wish to avail. But whatever your preference is, having your car insured is a great help, to avoid higher emergency costs in the future. You can never be fully secured of any road or vehicle mishaps, what you can only do is to be a careful driver, car owner and a wise insurance buyer. You can always ask for a quote from the insurance company.

You can actually compare one insurance quote to another to be able to determine the type of insurance that is best for your budget and for your overall needs as well.Vehicles are the most common valued properties being insured. This is because one can never be free of any accidents involving cars. Car owners can only do so much about being a careful driver, securing auto insurance is a common option to avoid unexpected expenses brought about by any unfortunate events. Some car owners are conscious of getting significantly low priced auto insurance, for them to avail it without hurting their pockets much.

There are so many other things that need enough budgets, and saving a great deal on car insurance could be a great help. Before deciding to settle for your chosen low cost auto insurance, it will be best to study carefully what are your needs and what type of car insurance suits you best. Car insurance differs on the types of coverage and with the rates too.

What is Car Insurance and What is it for ?

What is Car Insurance and What is it for ?

Car insurance is for your protection in case of accidents to others or damage to the property in case of an auto collision. It can also give you protection if the car is stolen. The kind of protection you have is in the insurance policy. It is a contract between you and the insurance firm, you as the client should pay for the premium to the insurance firm in exchange for the coverage you have picked. The policy sets forth what the insurance company will cover and what will not be covered.

Car insurance usually covers 4 basic things and they are the liability coverage, this is for injuries to others and damage to their properties, another is the cover for damage to your car, coverage for medical expenses and uninsured motorist coverage for certain instances where someone without insurance has caused your accident or any of your family members. There are different kinds of insurance coverage available these days, but your options may vary depending on the provider and the state where you are located.

Some of the simplified descriptions of common auto insurance coverage available these days, their limits, terms and other important detail you should know.Car insurance is a policy bought by the owner to mitigate the cost linked in getting an auto accident. Instead of paying using his/her own money for auto related accidents, he/she just pay the annual premiums to the insurance company and then the company will pay for the accident and other costs linked to the vehicle or damages.

Picking an auto insurance that will fit into your needs is so essential; you need to know some basics about it to fully understand if it fits you. In this article you will learn some information about the auto insurance and answers to some common questions as well.

The bodily injury liability coverage usually pays for the damages for injured bodies of the driver and passengers of the other vehicle if you are the one responsible for the accident. It will also give coverage to defend you if in case you are sued by the other party because of the accident. Another type is the property damage liability coverage, this pays for the general damages to the other person involved or his property when you caused the accident. This will also give coverage to defend you if you are sued in court due to the accident.

There is also the medical payment coverage, which will cover you or any of your family members for medical expenses because of a car accident. The car insurance will also cover a pedestrian if you hit him/her by accident. There are some states that also offer personal injury protection as an additional coverage to the insurance. This is better known as the no fault coverage wherein the PIP will pay for the medical expenses, loss of income, funeral and other expenses related to the accident. It pays to know the benefits you can get from car insurance if you wish to reap the advantages from your hard earned money.