Category Archives: Car Insurance
How To Save Money And Get Discount Car Insurance In Missouri
How To Save Money And Get Discount Car Insurance In Missouri
No one likes paying for car insurance, but if you are going to drive a motor vehicle on any public road in Missouri you had better have up-to-date auto insurance and you had better have proof of insurance with you at all times. The penalties for driving without insurance are severe and include the possibility of losing your driving privileges for one full year and the payment of a penalty to reinstate your license after that period.
Therefore it is important for many people to find ways to save money and get discount car insurance here in Missouri.
The first thing you need to do is to keep your driving record clean. A speeding ticket, or a drunk driving or impaired driving conviction will send your auto insurance rates through the roof.
If you are young your insurance rates will typically be higher. However, if you stay in school and maintain at least a “B” average, many companies will give you a Good Student Discount on your monthly premiums. If you are over 55, check with your insurance company to find out if taking and passing a refresher driving course will lower your insurance bill.
Driving a sports car or other high-performance vehicle increases the cost of car insurance.
If you have an older car with little or no Blue Book value you may choose to purchase the minimum liability insurance coverage that is required in the state of Missouri. However, if your car is newer or if it is being financed then you may be better off purchasing collision coverage and possibly other coverage as well.
In either event you can still reduce the cost of your insurance by increasing your deductible – the amount of money you will pay out of your own wallet if you have a claim. The larger the deductible on your policy, the lower your monthly premium payments.
Finally, get online and make direct head-to-head comparisons of as many insurance companies as possible on the many websites designed to help you find the best price for car insurance in Missouri.
Unfortunately you will need to enter all of your information into the form on at least 3 different websites if you want to be assured of comparing the most companies and feeling confident that you have saved money and gotten the best discount car insurance you possibly can.
Car Insurance – Protect Your Second Wife!
Car Insurance – Protect Your Second Wife!
Auto insurance in general, which includes car insurance is an insurance consumers can purchase for cars, trucks, and other vehicles. It’s mainly meant to provide protection against losses incurred as a result of car accidents and also thefts of vehicle. It also includes losses arising due to natural calamities. To have your car insured is mandatory by law. When you insure you get a “policy” which is based on a variety of factors including the type of car you drive, as well as what kind of insurance you want, as these policies are actually a package of different types of insurance coverage. They can be classified as:
· Liability – This coverage pays for accidental physical injury of the body and damage to others’ property. Injury damages include medical expenses, pain or suffering and lost wages. Property damage includes damages to the automobile. This coverage also pays for defense and court costs. State laws fix how much liability coverage you must purchase, but you can also get more coverage if you wish.
· Collision – This insurance pays for damages to your vehicle caused by collision with another vehicle or object.
· Comprehensive – This coverage pays for losses or damages to the insured vehicle that doesn’t occur in an auto accident. The possible types of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism or theft.
· Medical Coverage – Pays medical expenses regardless of whose fault it was as long as the expenses are caused by an auto accident.
· PIP – Personal Injury Protection (PIP) – This coverage pays medical expenses for the insured driver, regardless of whose fault it was, for treatment due to injuries arising in an auto accident.
· Uninsured Motorist – Pays for your car’s damages when an auto accident is caused by another driver who doesn’t have liability insurance.
· Underinsured Motorist – Pays for your car’s damages when an auto accident is caused by someone who has insufficient liability insurance to settle all your claims.
· Rental Reimbursement – This type of insurance will pay for a rental car if your rented car is damaged due to an auto accident. Often this coverage has a daily allowance to be paid for at the time of renting a car.
Certain insurance policies club together a number of these types of coverage. Depending on the laws that exist in your state you have to choose the insurance you want for your car. Even though the state may not require extensive insurance, extra coverage may be worth the expense as it is possible that you may be straddled with thousands of dollars because of an auto accident.
Top 10 tips to save money on your car insurance
Top 10 tips to save money on your car insurance
If you’re fed up paying too much for your car insurance duck2water (www.duck2watercarinsurance.co.uk) have put together the top ten ways you can reduce your premium without reducing the level of cover:
1.Buy online
Buying online can save you time and money. Companies who spend millions of pounds on advertising or run large call centres have to cover these costs somewhere, and they do so by adding these costs onto the price of your insurance premium. Although online insurers do have overheads, they are much less than high street and telephone insurers, which means they can offer car insurance at up to 60% cheaper than other companies.
2.Drive a cheap and less powerful car
Car insurance companies calculate their premiums on the basis of the car engine size, the probability that it will get stolen and the cost of repairing it. Although smaller cars such as Ford Fiesta’s and Renault 5’s are more prone to being stolen than larger saloon cars, they are cheaper to repair or replace and are therefore cheaper to insure.
3.Build up a ‘no claims history’
Car insurance companies give discounts for safe drivers with a good no claims record. By building up your no claims history you can benefit from a reduction (up to 60%) off your premium, and this discount can be transferred from company to company.
4.Increase your car security
More security means lower risk for your insurance company and you can benefit from cheaper rates by locking your car in a garage a night, or installing an insurance company approved immobiliser or tracker.
5.Increase your voluntary excess
By deciding to pay a higher excess it also means you’re less likely to make a small claim on your insurance and are therefore considered a lower risk.
6.Obtain more driving qualifications
The Pass Plus qualification costs between £100-150 and involves taking lessons in different driving conditions such as at night and on the motorway. By becoming a more skilled and experienced driver most insurance companies reward their customers by reducing their premium. As a result, the qualification usually pays for itself within the first year of qualifying. Another option is the advanced driving test, but this can take much more time to pass than the Pass Plus.
7.Use your car less
Clearly, the more you use your car the higher the probability is that you’ll be involved in an accident. As a result people who travel hundreds of miles every week are likely to have a higher car insurance premium.
8.Don’t get on the wrong side of the law
Insurance companies don’t like motoring convictions as they mean a driver is seen as a higher risk. Certain motoring convictions are considered worse than others, for example drink driving offences mean that your premium will be double the usual rate.
9.Reduce the number of people under your policy
The more people on your insurance the more you’ll have to pay. So, if possible try to have as few drivers on your policy as feasible.
10.Live in the countryside
As a general rule, the further you live away from a city the cheaper your car insurance is likely to be. By living in the city your car is more likely to be stolen or be involved in car accident. You can save up to 50% on your car insurance by moving from the city to a rural location.
How To Save Money And Get Discount Car Insurance In New Jersey
How To Save Money And Get Discount Car Insurance In New Jersey
The best way to save money and get discount car insurance in New Jersey is to design a car insurance policy that’s right for you and then see how much that policy would cost from every insurance company operating in New Jersey.
In order to do this let’s start by looking at everything you can do to build a policy from the ground up that will save you as much money as possible.
The minimum car insurance you are required to carry in New Jersey is Liability, Personal Injury Protection (PIP) and Uninsured Motorist (UM) coverage.
None of these types of insurance will repair or replace your vehicle if you are in an accident, especially if you are at fault for the accident. If you want to protect your own vehicle then in addition to the three types of insurance that I just mentioned, you will also need to buy Collision insurance as well as Comprehensive insurance.
Just so you know, driving without insurance in New Jersey can land you in a lot of hot water. At a minimum you may be subjected to fines, community service, license suspension and when you do buy insurance so that you can legally drive in New Jersey you can count on what is referred to as an “insurance surcharge” – in other words, yet another fine.
So let’s start designing a policy that will cost you as little as possible while still giving you the coverage you need.
The first thing you need to do is to keep your driving record clean. This means you do not have any speeding tickets or other moving violations and that you most certainly do not have any convictions for Driving Under the Influence (DUI) or for Driving While Intoxicated (DWI). Even a speeding ticket will prevent you from getting the best rates on discount car insurance, but a DWI or a DUI will send your rates to the moon.
If you are under 25 years old stay in school and keep your grades up. If you can maintain at least a “B” average then you can save about 5% on your monthly car insurance premium.
Can you keep your car in a garage at night? If so there’s another big savings on your insurance.
Do you drive less than 500 miles each month on average? If so there’s no reason for you to pay for insurance while your car is just sitting in your garage – you should be eligible for a Low-Mileage Discount.
Do you have more than one insurance policy with the same insurance company? Maybe you have a life insurance policy, or a homeowner’s policy with the same company? If so you should be eligible for a Multi-Policy Discount on your car insurance.
Have you been insured with the same insurance company for at least 5 years? If so ask for a Long-Term-Policy Discount.
Are you 55 or older? If so see if you qualify to take a special driver’s refresher course. If you qualify and you pass the test you can shave about 10% off your car insurance bill month after month!
Are you driving an old clunker of a car with little or no Kelly Blue Book value? If that’s the case and you are still paying for collision or comprehensive insurance you are simply throwing your premium dollars down the drain.
Along those same lines remember that each year that passes your vehicle loses value according to the Kelly Blue Book. Therefore you should lower the amount (and therefore the cost) of your comprehensive and collision insurance each year – talk to your agent about how much you could save by simply doing this.
How large of a deductible can you afford? Think carefully before you answer. The higher your deductible the lower your monthly car insurance premium, but keep in mind that however much you set your deductible for, that is the amount of money you are going to have to pull out of your own wallet any time you have a claim. Make sure you can afford your deductible.
O.K., now you’ve got enough information to create the perfect, low cost car insurance policy. Now it’s time to get online and find at least 3 different websites that let you compare prices on policies between different insurance companies.
Each site wants you to think that it is comparing prices at every single insurance company, but that is simply not the case. If you are really serious and want to genuinely save money and get discount car insurance in New Jersey then you’re going to have to take a few extra minutes and compare the price of your super policy on at least 3 different websites.
Then simply pick the best price you can find and you’re done! You’ve saved money and gotten the very best deal you could on car insurance here in New Jersey. Congratulations!
How To Get The Best Rates On Car Insurance In Florida
How To Get The Best Rates On Car Insurance In Florida
Getting the best rates on car insurance in Florida isn’t difficult, it’s simply a matter of being aware of all the things you can do and the steps you can take to create a car insurance policy that’s specifically designed to save money – and then, once you have your low-priced policy in hand, going online and comparing prices in order to get your car insurance at the guaranteed rock-bottom price.
The whole process starts with two important considerations: what kind of vehicle you are driving and the type of driving that you’re going to be doing.
Not all cars are created equal when it comes to how much you’ll pay to insure them. Some cars, because of how expensive they are to work on, or perhaps because of how frequently they are stolen, or perhaps because of their replacement cost, simply cost a lot more to insure than other models. Talk to your agent about finding a car that’s inexpensive to insure.
The second factor is, basically, you. Do you drive safely and legally at all times? If you’re going to be getting speeding tickets and other moving violations then you will not be in a position to claim the best rates on car insurance here in Florida.
If you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated) you can count on your car insurance rates going way up and staying there for up to 3 years. If you are convicted of either offense a second time you will be scraping the bottom of the high-risk barrel looking for car insurance at whatever rate you can find it.
Are you a driver 25 years old or younger? If so then you’re undoubtedly aware that you have automatically been placed in a high-risk insurance category and your rates are relatively high. You can lower them by about 5% if you stay in school and are able to maintain at least a “B” grade average, earning you a Good Student Discount.
If you park your car in a garage at night, rather than on the street then you are eligible for another discount on your monthly premium.
Do you drive fewer than 500 miles in an average month? If you do then you should claim a Low-Mileage Discount.
If you drive an older car, one that no longer has any value according to the Kelly Blue Book, then you’re just wasting your money if you’re paying for comprehensive or collision coverage on your car.
Drivers who are 55 or older may have noticed their rates creeping up. Fortunately there may be something you can do about it. Ask your agent if you can take a special driver’s refresher course. If your company offers such a course and you pass it, your monthly car insurance premiums will be slashed by about 10%.
Do you have other insurance policies with the same insurance company? Perhaps a homeowner’s policy or a health policy? If so you should claim a Multi-Policy premium reduction on your car insurance.
Have you been with the same insurance company for at least 5 years? You should be entitled to a Long-Term-Policy discount on your car insurance.
Have you given any thought to your deductible recently? The higher your deductible the lower your monthly car insurance premium payment will be. But consider carefully just how much you can afford to pay out of your own pocket if you should have a claim before increasing your deductible too much.
You now have enough information to build a car insurance policy that will save you as much as possible in premiums each month – so now there’s just one thing left to do. Go online and compare the cost of your super-policy among as many different insurance companies as possible.
Since no one website compares every car insurance company in Florida it will be necessary for you to take the extra time and make your head-to-head comparisons on at least 3 different websites. Once you’ve done that you can grab the best price and sleep easy at night knowing that you were able to get the best rates on car insurance in Florida and that you’ll be saving money month after month, year after year.