Tag Archives: drivers

Car Insurance for Young Drivers – Affordable Money Saving Tactics

Article by Roland Holder

Tough times call for tough measures. Nowhere is this more evident than shopping for Car Insurance For Young Drivers. Every dime you gather on everyday items like gas and auto expenses can be put to better use somewhere else. You toil hard for your money and you’d like to gather seeing as much seeing as possible. Most of us like to gather cash, so we’ve assembled a whole lot suggestions to assist you work your car insurance policy for every penny.Use the Internet to Find Great Deals for Car Insurance For Young Drivers Getting quotes from a whole lot agents can get. Online quote services are quick and not hard, and they do the hard trade for you. Comparison shopping at frequently, like every 6 months, ensures that you are obtaining the best price for the coverage you prefer. It furthermore ensures you to peruse your policy so you can determine if your coverage is though adequate for your needs. There’s no logical explanation in paying for car insurance for young drivers.Amplify Your Deductible When Buying Car Insurance For Young Drivers Increasing your deductible from 0 to 0, you can gather up to 30% off your monthly bill. If you have an accident, you’ll have to pay a whole lot one hundred dollars more out of pocket, though if you invest every month, you should have a nice nest egg to use should you get a quick 0 for your deductible.Check For Good Driver Savings From Your Insurance Company When Looking to Buy Car Insurance For Young Drivers Discounts are pretty much standard for all insurance carriers. Ever since details vary from firm to firm, some types of ways to save are commonly offered by a good number insurers. Insurance companies offer discounts to policy holders that insure multiple vehicles, procure life, homeowner’s or renter’s insurance alongside with their auto coverage, and those who have fewer wrecks and speeding tickets. Drivers over 50, those who take mature drivers courses and drivers of cars with safety equipment like daytime running lights all can qualify for discounts on monthly charges. It’s imperative to talk with your insurer to craft a gameplan to achieve greatest savings on all programs that you are entitled to. Saving money is always good but especially when shopping for car insurance for young drivers.Take Advantage Of Low Mileage DiscountsYounger Drivers who drive very little can get a low mileage discount from the insurance company. Ask your agent if your driving habits meets the provisions for your policy on car insurance for young drivers.Different Cars have Huge Insurance DifferencesCar Insurance For Young Drivers is a fairly complicated subject for people. Acquiring a new car that has an anti theft arrangement, or one that is cheap to repair and is not habitually targeted by car bandits will lower your quarterly car insurance. Do your research in advance shopping and check in with your insurance agent in advance buiding your final decision. Finding out that the bright red sports car will cost you more in premiums per month than the loan payment, may cause you to convert your mind about taking it home. These all make a big difference on the rate you will pay on car insurance for young drivers.Mature Cars Mean Significant SavingsMature vehicles reduce expenses of car insurance for young drivers. If you already have an a car that is waiting for junior to turn 16 that is worth ,000 or less, opting for comprehensive coverage insurance is probably not a wise move. You would be smarter to drop the unnecessary insurance and gather the split in premiums in a bank account in case your vehicle becomes damaged or stolen. Let your money gather interest in your savings account, not your insurance company’s.You Can Save on Car Insurance For Young Drivers A clever buyer can shave a whole lot dollars, maybe even a whole lot one hundred dollars off of their car insurance for young drivers premiums. You are now a more knowledgeable consumer, you can make sure that your savings account is working for you.If you want insurance companies competing for your business on car insurance for young drivers please consult your local insurance agent or links above.Car Insurance For Young Drivers

About the Author

Roland Holder writes regularly about autos related topics. I hope you enjoy this article.

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whereby the original author’s information and copyright must be included.

Five Car insurance Do’s and Don’ts for College Drivers

Article by Bethanycollins

Let’s face it, college is great for learning but college without a car is a lot less fun. What better dream does a senior in high-school have than to own a car? But with that car comes the hassle of insurance rates that are higher for the younger demographic of society because individuals under the age of 25 are statistically proven to be high-risk takers. Is there something that you as a college student can do to keep car insurance rates affordable? Here’s a list of five car insurance do’s and don’ts for all the college drivers out there.


1. Get good grades: Car Insurance companies think that students in general are prone to drive rashly because they are yet learning to drive. In fact, 61% of young drivers admit to having risky driving habits like not wearing a seat-belt. When it comes to making decisions while driving, they seem to be more prone to be distracted and impulsive. However, if a particular student can show that he is responsible, then the insurance company can offer a discount in his car insurance. One of the best ways to prove that you are a careful driver is by maintaining good grades. Some insurance companies offer the “Good Student Discount” for students that have a GPA above a 3.0.

2. Carpooling: A general tip for anyone who is looking to buy car insurance is that you will get a lower premium if you drive less. How much less do you have to drive for it to affect your premium? Most insurance companies reduce premiums if you drive less than 10,000 miles a year. Driving less means less time on the road and therefore a lower probability of getting into an accident. One of the best ways to not just lower the miles you drive but also make friends is by carpooling.

3. Install airbags and anti-theft devices: Any kind of security measure you install in your car will reduce the probability of it being stolen or severely damaged in an accident. Air bags and car alarms are some of the most practical ways you can make driving safer for yourself and save precious dollars off your monthly premium.

4. Maintenance and servicing: Just like buying life insurance is cheaper when you’re in the best of health, buying car insurance is also cheaper when you have a healthy car. Well-maintained cars will not break down easily and give you good mileage too!

5. Buy a used car: There are so many benefits you can enjoy by choosing to buy a used car as your first car. The pain of chipping and denting a brand new car should be reason enough to settle for a used car as your first one. You can save the great SUV or branded super car for later in life when you’ve already established yourself as a good driver with long clean driving record to prove it. However, when you’re starting out with your very first car, make sure it’s used.

According to insurance companies, used cars are less likely to be stolen. If it does break down, its parts are not as expensive as new car parts (even if it’s totaled). It gets even better if you buy a small car because smaller cars have a less powerful engine which makes it less likely to get into a really gruesome accident at a high speed. For all those reasons, insurance companies sell used car insurance at a lower rate.


1. Drink and drive: The best way to get a good deal on your insurance policy is to have and maintain a clean driving record. Nothing kills that record faster than a couple of DUIs. Not only is driving under the influence of alcohol and drugs against the law but a serious hazard to your personal safety as well as the safety of others on the road. Out of all the fatal accidents in 2009, 32% involved drunk drivers. Driving drunk shows negligence towards society and one’s own life.

2. Allow other people to drive your car: It’s easy to want to be helpful to a friend in need of a ride but always offer to drive the friend to wherever he or she needs to be. Don’t lend your car because if your friend gets into an accident, you are responsible–not only does your insurance have to pay for the damages but you have to pay the deductible and it will affect your record, even if you weren’t the one driving!

3. Break traffic violations: If you have more than 2 traffic violations on your record in a year, your premium is bound to sky-rocket.

4. Drive a Sports Car: Bigger and better cars are at a high risk to be stolen. They also cost more to repair when they get into accidents or break down. From the insurance company’s perspective, sports cars have the best of engines that can tempt the driver to speed and drive rashly. So just like buying a used car has so many insurance benefits, buying insurance for a brand new sports car for your first day of college will definitely be more expensive.

5. Skimp on

Car Insurance for High Risk Drivers / SR-22 Insurance

High-risk car insurance has been the topic of debate for quite a while. People who are considered higher risk believe that costs are extremely high while car insurance companies think that these customers make up the largest expenditures and therefore have to foot the largest portion of the bill. While each side have an argument, you actually only worry about getting quality coverage at the cheapest. Often It is possible to get the cheapest rate so long as you understand the basics of high-risk car insurance.

High-risk car Insurance: What’s a High-risk Driver

Understanding how you’re looked at by auto insurers companies could help you get a better deal. Many auto insurers consider any person with the following to be of a highest risk.

* 3 convictions or guilty pleas for traffic violations in a year

* Driving under the influence or Driving while intoxicated conviction

* Hit and run conviction

* Reckless driving conviction

* Automobile negligence leading to a personal injury or death

These are the big ones which will get you on all insurers list of high-risk drivers. You might even consider a higher than normal risk by many companies when you fit the below conditions.

* Have filed a number of claims

* Show recent gaps in auto insurance coverage

* A first time driver

High-risk Car Insurance: Levels of Risk

As we discussed above, there are levels of risks. When you are just a new driver, you won’t be looked at on the same category as anyone who has recently had a DUI. In case you are on the lower rung of the ladder as far as risk, you could probably still get rather cheap policy by simply searching and taking advantage of savings. For example, as a young, new driver, you might be capable of getting a reduction in your policy by having high gpa’s.

If you’re the top of the ladder in terms of risk, things would be more difficult. A recent Drunk driving might force you to obtain what’s referred to as a SR-22. A SR-22 is a form that some states require you to file when you have had a DUI or some other serious traffic offense. Although they vary by state, the form generally offers proof that you have a specific amount of insurance. Several car insurance carriers desire not to deal with customers who are required to file SR-22.

High-risk Car Insurance: Choosing the Correct Insurance Company

Choosing the correct auto insurance company is much more important when you are a high-risk driver. There are many providers that penalize risky drivers more than others and some providers won’t even provide you coverage when your driving history is too irregular. Even so, you will find insurance providers that specialize in high-risk car insurance and you may most likely get better protection, service and prices from these types of insurers.


Folks who need SR-22 insurance can contact the offices of Universal Lines Insurance Services; We also specialize in high-risk drivers who need insurance at the best possible rate. Customers, who have been denied insurance because of their driving record, will get insurance by carriers we represent. 888-546-3760

Article from articlesbase.com

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Tips for California Auto Insurance drivers

The state of California requires all car owners to have auto insurance for licensing, registration and operating a vehicle. Purchasing auto insurance with adequate coverage at the lowest price can be difficult.

With many preferred insurance carriers, California Auto Insurance searches and gets quotes for each consumer because the types of freight companies can be very difficult to deal with on your own. Insurance rates are based on the experience of past losses and expenses. These can be very different for each insurance company, even within a given town, city or metropolitan area. To make insurance shopping an easier experience fill out some basic information on a single form to get car insurance quotes from multiple agents instead of one carrier. The right California Auto Insurance agents can help you get the best coverage at the best price. So take some time to shop before you buy. You can save money and get better coverages by finding the right agent.

The required auto insurance coverage in California includes:

Bodily injury coverage with a minimum of $ 15,000 for an individual and $ 30,000 for all persons in any accident.
Property damage liability with a minimum of $ 5,000. This pays for damage to property of others.

Shop Around for Auto Insurance. You may not realize it, but the insurance rates you pay for on your car can vary greatly depend on the company that you choose. You should always compare before deciding on a policy. California also has what’s known as the California Low Cost Auto Insurance Program. This program helps reduce the number of uninsured drivers on the road, providing low-income good drivers with affordable auto insurance options. Qualifications are based on household income, good driving record and the value of the vehicle at the time of purchase. Here are some examples of what determines the cost of your auto insurance premium.

Type of vehicle – car insurance is more expensive for newer cars, because it costs more to repair or replace. Car insurance varies from car to car, so before buying or leasing a new vehicle, check to see how much the car insurance will cost.
Use – The more miles you drive, the more your insurance will cost.
Deductibles – You can increase your deductible to reduce your auto insurance costs, but make sure it is financially viable and the right decision.
Driving record – Many companies offer discounts on auto insurance for consumers without accidents and violations. Drive safely and pay less on your auto insurance.
Multi-Policy Discount – Some insurance companies offer a discount to consumers who purchase both auto insurance and home insurance from them. This also makes it easier for you to have one insurance agent to work with.
Group Discount- Some companies have discounts available if you are a part of a specific group- for example, the employer, association, occupation, etc. Be sure to ask your California Auto Insurance agent about group discounts.
Good student – Teenage drivers on your policy can increase your auto insurance rates. If the teen is a good student, most companies offer a discount on your auto insurance.
Restraint systems and anti-theft devices – Many companies offer a discount on your auto insurance if your car is equipped with safety devices, such as certain anti-lock brakes, air bags, anti-theft and / or vehicle recovery systems.

We at California Auto Insurance are providing excellent service, coverage and prices for all your insurance needs. We are dedicated insurance experts in all lines of insurance products. We have over 10 years of insurance experience and provide excellent protection from the nation’s top carriers.

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Learn the basics about auto insurance in a flash. Hear from a one of the nation’s top insurance advisors who will explain why auto insurance is so important, help demystify the auto insurance process and quickly provide you with a good understanding of important insurance terms and concepts. www.lifehappens.org
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