Category Archives: Car Insurance
Women’s Cheap Car Insurance
Women’s Cheap Car Insurance
As sexist as it may sound, gender sometimes place a significant role in a person’s car insurance rates. Women drivers usually get cheaper car insurance rates than men drivers, because statistically, of the two genders, women drivers are more conscientious drivers, who drive safer vehicles, and who file less car insurance claims. Sure, not all women drivers are better drivers than men drivers, but the statistics have spoken loud enough for many of the car insurance companies in America to listen.
However, American car insurance companies are not the only companies that have taken notice and began to offer cheap car insurance policies to women drivers; the UK is also offering lower car insurance rates to women drivers. There are many companies and organizations throughout the UK dedicated solely to helping women get cheap car insurance rates, as well as providing car insurance tips and advice to women drivers. A quick search of the Internet will bring up many of these organizations.
Of course, while women drivers may statistically get lower car insurance rates than men drivers, women drivers are subject to the same criteria as men are subject to, such as:
• Driving records and histories of the driver and/or policyholder
• Location in which the driver and/or policyholder lives and parks her car
• Safety, make, model, and year of the vehicle being insured
• Credit history of the policyholder
• Age and experience of the driver and/or policyholder
For women drivers to optimize their ability to get cheap car insurance rates, they must practice safe driving habits of their own – rather than riding the coattails of the safe women drivers before them – as well as continue to drive safe vehicles and park their vehicles is safe locations, regardless of the area in which they live. Women drivers should also pay attention to their driving records and credit reports, as well as make improvements whenever necessary and possible.
Young Female Cheap Car Insurance
Young Female Cheap Car Insurance
If you’re a female driver, you already have a head start for getting cheap car insurance. Car insurance companies take into consideration statistics claiming that, overall, female drivers are:
• More likely to drive a safer car than male drivers.
• Less likely to commit traffic violations and get traffic tickets than male drivers.
• More likely to choose an economical car that gets good gas mileage and doesn’t cost a fortune to repair.
According to statistics, female drivers also file fewer car insurance claims to their car insurance companies than do male drivers; whether this means that female drivers are involved in fewer accidents or that they just don’t report every bump and scratch is up for interpretation.
In any event, statistically speaking, most female drivers are less risky to insure than most male drivers, which means they are more likely to get cheap car insurance than are male drivers.
However, if you’re a young female driver, you still have an obstacle to overcome. It’s a big obstacle, actually – your age. Young drivers, regardless of gender, normally don’t get the cheap car insurance quotes that older drivers get. Car insurance companies take precaution when offering car insurance quotes to young drivers – male and female – because they are inexperienced. Of course, inexperience means a great risk for car accidents.
Don’t let these statistics discourage you. Being a young female driver also means you have time to start taking the necessary steps to build a great driving record. As long as you drive safely, preventing car accidents, and obey the rules of the road, preventing infractions and tickets, you will avoid points on your driving record. Car insurance companies look at a driver’s driving record when deciding how cheap the car insurance quote should be.
Also take a driver education course. Most high schools offer them, but if yours doesn’t you can take one from a private company in your area.
Ohio And Cheap Car Insurance
Ohio And Cheap Car Insurance
When you are searching for Ohio cheap car insurance, you may feel discouraged at times. There are a few “tricks of the trade,” so to speak, when it comes to finding and purchasing cheap car insurance in Ohio, and one of them is cutting back on your Ohio car insurance endorsements.
Car insurance endorsements include coverage for emergencies such as needing your car towed, needing immediate on-site work done to your car (on-site labor), and rental car insurance. While these endorsements definitely come in handy when you actually need them, most drivers do not actually need them that often, if ever. Some people live their entire lives without ever renting a car, or needing on-site labor for the cars they own. And, if your car breaks down and needs to be towed, is the bill going to amount to the money you have spent on a towing endorsement to your car insurance over the past few years? It will most likely cost much less than what you have paid out.
If you are interested in getting Ohio cheap car insurance by cutting back on your Ohio car insurance endorsements, but are still a bit unsure about letting go of the endorsements, consider joining an auto club. AAA, for example, provides such services as vehicle towing. When you are a member of a vehicle club, you have many more benefits than just replacing your Ohio car insurance endorsements; therefore, if you are interested in and need these member benefits, the money you pay in auto club membership fees balances out.
If you are not interested in joining an auto club, but still want the protection your Ohio car insurance policy endorsements offer, consider opening a savings account for such emergencies as towing and on-site labor. This is more economical since you only put money into the account once – until you use it – and the money accumulates interest until you withdrawal it.
Own Your Auto Insurance Package And Save Big Money! (3)
Own Your Auto Insurance Package And Save Big Money!
Purchasing auto insurance is never a fun way to spend an afternoon. For many people the desire to get the whole process over with as soon as possible leads them to make a bad decision. This article is meant to provide you with tips to buy the right auto insurance for you with the least amount of hassle possible.
Know the value of your car and get coverage accordingly. If your car is old, then it probably doesn’t make sense to have full coverage on it, but you may want full coverage if you have a new car. Also, look into purchasing Gap insurance for the first couple years that you have a new, financed car that was purchased using less than twenty percent down.
Having multiple drivers on one insurance policy is a good way to save money, but having multiple drivers of one car is an even better way. Instead of opting for multiple automobiles, have your family make do with one car. Over the life of your policy, you can save hundreds of dollars by driving the same vehicle.
A great way for you to save money on your auto insurance is to find an all-in-one insurance carrier. If you can find a company to provide your auto insurance, homeowners’ insurance, and health insurance, you can purchase one large package and save up to 40% off of purchasing separate insurance packages.
Looking to save money on your auto insurance? Most auto insurance companies offer a discount if you purchase the auto insurance annually instead of monthly. Look at your statement to see if the insurance company charges a monthly fee to process your monthly installment. If they do, you may save a lot of money if you pay for the car insurance annually instead.
If you must travel by car for business, try not to use your personal vehicle. Most auto insurers will charge an additional fee on top of your premium for business use. However, do make sure you tell your insurance company if your car is used for business, so that you are covered in case of an accident.
To make sure your insurance covers you like it should, make sure you know how to file a claim and keep the paper work related to your insurance policy handy. When something happens, do not wait to file a claim. Contact your insurance right away so that they can help you out quickly.
Although many people realize that the type of car can affect the price of insurance, you should also be aware that the rarity of the car will change the price. If you have a car which has very expensive prices of repair, this will be reflected in the price of your insurance as well!
Auto insurance is a necessity for everyone that owns a car, and purchasing auto insurance can be time consuming and frustrating. Although it is never fun to buy auto insurance, the money you save by applying the tips and advice from this article should provide you the means to have a great time.
How To Get Cheap Portland Car Insurance
How To Get Cheap Portland Car Insurance
Cheap Portland car insurance is easy to get when you purchase only the minimum liability auto insurance requirements in Oregon. When it comes to minimum car insurance requirements, Oregon leaves very little out. Portland drivers must have person bodily injury, property damage liability, a “per crash” bodily injury, a “per crash” property damage, personal injury protection (to cover the cost of any medical treatment to the injured party up to one year after the accident), and uninsured motorist coverage.
With so much Portland car insurance, you may feel you don’t need full-coverage auto insurance in Oregon.
The minimum required Portland car insurance amounts are as follows:
• ,000 per crash for property damage
• ,000 personal injury protection
• ,000 per person bodily injury and property damage liability
• ,000 per crash for bodily injury to others
• ,000 per person and ,000 per crash for bodily injury of Oregon uninsured motorist coverage
Of course, not all Oregon drivers can get cheap Portland car insurance by purchasing the minimum liability auto insurance requirements. Why? Not all drivers are eligible to purchase only the minimum requirements. Sometimes lenders and/or Oregon car insurance companies require drivers with cars they don’t own outright to purchase full-coverage auto insurance. Perhaps a driver has had his or her license suspended or revoked and has been ordered by the courts to purchase more than the minimum liability auto insurance requirements in Oregon.
Whatever the reason, these Oregon drivers must find other ways to get cheap Portland car insurance. Satisfying the orders of the courts, as well as working to repair the driving record, is one way to lower the cost of auto insurance; so is purchasing a car with – or adding – safety features. You can also take safety precautions such as parking your car in well-lit areas such as private parking lots to further protect your vehicle and lower your Portland car insurance premiums.
Car Insurance Tips For Rental Car Users (2)
Car Insurance Tips For Rental Car Users
Let’s face it: accidents happen. Car accidents happen more frequently than we want to talk about. Protect yourself by purchasing auto insurance before something bad has a chance of happening. Don’t risk driving if you don’t have auto insurance! The tips below will help you pick the auto insurance that is right for you.
One way you can save on car insurance is to keep a clean driving record so you can take advantage of the discounts offered to safe drivers. Minor infractions won’t amount to much but being involved in traffic accidents can drive up your insurance costs tremendously. So, drive consciously, maintain a good driving record and enjoy the reward of lower premiums.
Get a car insurance quote before you purchase a new vehicle. One of the major factors in how much your policy will cost you is the kind of car that you own. The same brand of car with a different model can change your yearly rates by a thousand dollars. Make sure you know that you can afford the insurance before you leave with the car.
Install a car alarm. Your automobile insurance company factors theft into your insurance rate; if you are able to put in an alarm, immobilizer or a tracker, you can reduce the total cost of your plan. Your insurance company will reward you for adding in features that can protect your car.
To save money on your car insurance, choose a car make and model that does not require a high insurance cost. For example, safe cars like a Honda Accord are much cheaper to insure than sports cars such as a Mustang convertible. While owning a convertible may seem more desirable at first, a Honda will cost you less.
If you are purchasing car insurance on a new vehicle on which there will be a lien, you should be aware that you must, by law, have full coverage. In this case, you may even want to reconsider your new car purchase because full coverage is significantly more expensive than liability alone.
You may be able to get some very nice discounts on the premium of your auto insurance policy via your employer. Sometimes they will cut a deal with insurance companies to offer some special group rates to their employees. Make sure to check with HR to see if this kind of deal is available at your workplace.
Many people pay more than they have to for accident coverage on their auto insurance. It is important to have coverage for accidents, but it is highly unnecessary to pay more than what you have to pay. Make sure you are not just accepting coverage levels that you do not need.
Accidents are, unfortunately, inevitable. Don’t let yourself or your teen driver use a car unless auto insurance is obtained. Having auto insurance can protect your family from a bad financial situation, should an accident occur. Use the tips above to find the right auto insurance for you and your family!