Category Archives: Car Insurance
For The Cheapest Car Insurance Rate Visit A Specialist Website
For The Cheapest Car Insurance Rate Visit A Specialist Website
If you want the cheapest car insurance rate then your best bet is to go to a standalone specialist, the specialist website will be able to find you the cheapest car insurance rate for the premiums and also make plenty of advice available so that you can read up on the benefits of the different types of insurance available to you, which means that you find the perfect choice for you needs.
The three basic types of car insurance are fully comprehensive, third party fire and theft and third party only and factors such as the age of the car and how much it cost will depend on what type of insurance is right for your circumstances.
Fully comprehensive will give you the most cover but is the dearest way of insuring your car – however, if you have a new car then you might have no option but to take fully comp. It would pay out to repair your car and the other party’s if you should be involved in an accident which was deemed to be your fault and insure against it being stolen or damaged by fire.
Third party fire and theft will pay out if your car should be stolen or damaged by fire and will also payout for damage to the other party’s car through an accident of your fault.
Third party only will only payout for any damage to the other party’s car if you cause an accident and is of course the cheapest form of insurance but wont payout to repair your car.
A car insurance rate will vary from provider to provider so it is essential that you get more than one quote whichever type of car insurance you wish to take. By shopping around and comparing the car insurance rate you will be able to get the best possible deal on the type of insurance that you want or need and the quickest way to do this is by letting a specialist website compare quotes on your behalf.
How To Find Affordable Automobile Insurance In Tennessee
How To Find Affordable Automobile Insurance In Tennessee
One of the easiest ways to find affordable automobile insurance in Tennessee is to purchase only the state’s minimum car insurance requirements, also referred to as liability coverage. That is, if you can swing it. In Tennessee, those requirements are as follows: ,000 for Property Damage Liability, ,000 for Bodily Injury Liability per person and ,000 for Bodily Injury Liability per accident. By purchasing no more than those amounts of coverage, you’ll most likely find cheap car insurance in Tennessee.
If you choose to obtain cheap car insurance in Tennessee by means of purchasing auto coverage that handles only the state’s minimum car insurance requirements, your premiums may still vary from your neighbor’s. This is due to individual factors auto insurers use to determine your rates including gender, age, credit score, driving record and the type of vehicle you drive. However, paying for the lowest amount of coverage allowable still means you’ll most likely pay the cheapest Tennessee auto insurance rates for you.
Obtaining affordable automobile insurance in Tennessee through the state’s minimum car insurance requirements provides the least amount of coverage. Trying to purchase auto coverage to satisfy only the minimum requirements causes other problems to arise. You see, not everyone is eligible to purchase basic liability car insurance. For example, if you financed your car through a bank or another lender, you may be required to purchase full coverage car insurance. Once you own the vehicle outright, however, you can enjoy cheap car insurance in Tennessee by switching to the state’s liability insurance requirements.
Remember, Tennessee’s basic liability coverage protects just that – your liability. You’ll only receive collision and comprehensive coverage if you purchase some sort of “full coverage” policy. If your budget or loan situation demands it, purchasing Tennessee’s minimum car insurance requirements in order to obtain affordable automobile insurance in Tennessee is ideal. You can always upgrade to a full coverage insurance policy when you’re ready.
How To Get Affordable Car Insurance In Massachusetts
How To Get Affordable Car Insurance In Massachusetts
Almost every driver in Massachusetts is looking for affordable car insurance. And why not? You may have to purchase car insurance to drive a vehicle on a public road in Massachusetts, but there’s no sense in over-paying for your insurance.
One of the surest ways of finding affordable car insurance in Massachusetts is to compare the prices of car insurance online. However, unless you know how to fill out the forms on the price comparison websites so that you create the lowest-priced car insurance policy to begin with you’re really not going to save all that much money.
So let’s take a look at some of the things you can do to create a low-priced policy.
Can you keep your car in a garage at night? If your car is not parked in the open, available to thieves and vandals, you will save money on your insurance each month.
Can you drive less? Taking public transportation for as much of your “driving” as possible could save you money in several ways, including lower car insurance. If you can keep your driving under 500 miles per month you may qualify for a Low Mileage Discount.
A portion of your premium is probably based on the fact that you drive back and forth to work everyday. If you could carpool and cut the number of days that you drive back and forth to work each month in half, the savings on your car insurance could be substantial.
If you stop working and stop driving to work and back at all you should definitely let your agent know.
Make automatic premium payments from your bank account each month. If your insurance company doesn’t have to send out a bill each month they should reward you by giving you a small break on your insurance.
Some companies give you a hefty break on your insurance if you purchase even simple anti-theft devices such as a steering wheel lock or a device to disable your fuel pump unless you hit a secret switch. Ask your agent if installing such security devices will lower your insurance costs.
Find group car insurance. Often you can purchase low-cost group car insurance at your place of work. If not, see if any clubs or organizations or groups that you belong to offer their members group car insurance. If not, ask family and friends if they belong to any groups or associations that offer members low cost group car insurance – if so, see about joining.
If you are married put the wife on the policy as the primary driver and the husband as the secondary driver. Women pay less for car insurance and setting up your policy in this way will save you money every month.
If you have towing or car rental through AAA or through a credit card, then there is no need to pay for it each month as part of your car insurance.
Young drivers should stay in school and keep their grades up. A “B” or better grade should earn you a minimum 5% Good Student Discount.
Older drivers can sometimes get a break on their insurance if they take a special driver’s refresher course. Talk to your agent and see if your company offers this discount.
Older cars that have little or no Kelly Blue Book value should be removed from any comprehensive or collision coverage. In fact, your vehicle loses value each year and you should be decreasing your collision and comprehensive coverage to match your car’s declining value.
Increase your deductible. This is a sure-fire way to lower your monthly car insurance premium, but care must be taken that you don’t increase your deductible to the level that you can’t afford to pay it if you should have a claim.
Finally you’ll want to find at least 3 websites that encourage you to compare the prices of car policies from different insurance companies. Using everything you have learned from this article you should fill out the forms on a minimum of 3 different websites. But be careful that you fill out all three forms in exactly the same way so that your comparisons have some value.
Once you’ve done this then all that’s left is for you to choose the lowest-priced policy and smile, smile, smile, since you now know exactly how to get affordable car insurance in Massachusetts and save money month after month!
10 Auto Insurance Myths You Should Know About
10 Auto Insurance Myths You Should Know About
The truth about fallacies of many car owners believing that the insurance premium coverage for their new car is covered, and maybe the truth just might make you change course.
(1) “No-fault insurance means, is it not my fault?” That means that your insurance company pays for your damages regardless of who’s at fault. No they don’t!
(2) “Can the color of my car affect my insurance rate?” No!
What do influence your rate are your vehicle’s year, make, model, body type, engine size, credit history and driving record.
(3)”If I lend my car to a friend and that friend is in an accident, his or her insurance company will pay for the damages…right?” Wrong!
Your car is your responsibility! And guess what, even though you weren’t present at the time of the accident, you still will receive a mark on your insurance record and your insurance premium could possibly go up.
(4) “Is my insurance rate is set by the government?” No!
The government has nothing to do with your car insurance rate. Where you live, your credit score, marital status and your driving record is what actually affects your premium.
(5) “I recently paid my insurance premium. Is my new car I just purchased is covered?”
Not necessarily. Most automobile policies require that the policyholder notify the insurance company or agent within a specified number of days, if indeed coverage is desired for the newly purchased vehicle.
(6) “Is it a fact that male driver under the age of 25 pay more for auto insurance?” Yes! Male driver under 25 years old can potentially pay more for car insurance than female drivers. However, across the board, teenagers and mature adults pay more for auto insurance, due in large part because these age groups are typically involved in more automobile accidents.
(7) “Can my credit score have any affect on my insurance rate?” Your credit score really does matter! Many Insurance companies take your credit score into consideration when deciding to increase or renew your auto insurance coverage.
(8) “Even without comprehensive coverage, am I still covered for theft, windstorms, and hail and deer accidents?” Many drivers believe that if they only purchase collision insurance, which covers accidents involving objects, that they will also be covered for incidents that involve vandalism, hail, animal accidents and fires. That simply is not true. You need to purchase both collision and comprehensive coverage in order to fully protect your vehicle from all of these situations.
(9) “Can my personal auto insurance cover both my personal and business use of my car?”
If you occasionally use your personal car for business purposes such as transporting clients, going to and from meetings or hauling business equipment, then you will more than likely need to extend your personal car insurance to cover your business use as well. Plus, if your employees use their car while working for you, you will want to also obtain a separate non-owned car insurance policy.
(10) “I’ve never had nor been involved in a car accident, do I still need automobile insurance?” Yes!
Some drivers are lucky enough never to have been or to be involved in an accident. However, if by chance you do have an accident; your risk of losing everything is great. Car insurance is the best protection you can have in the event an automobile accident occurs. It’s also a legal issue – you are required, by law, to have some basic form of auto insurance, and failing to do so carries some fairly strict punishments.
Cheap Car Insurance In Texas
Cheap Car Insurance In Texas
Many factors can make the search for cheap car insurance in Texas a rough one. A lapse in coverage, a less than stellar driving record – they all add up. If you’re having difficulty finding cheap car insurance in Texas, consider looking into the Texas Automobile Insurance Plan Association. The Texas Automobile Insurance Plan Association allows you to obtain the basic Texas liability coverage, personal injury coverage, and even uninsured and underinsured motorist coverage.
The downside to the Texas Automobile Insurance Plan Association is you’ll likely be charged higher rates than you would be charged by your everyday car insurance company. The upside is Texas Automobile Insurance Plan Association provides you with car insurance you wouldn’t otherwise have been able to obtain. Without car insurance or some form of proof of financial responsibility in Texas, you’re driving illegally which brings consequences.
In Texas, if you’re caught driving without insurance or some form of proof of financial responsibility, you will be fined anywhere from 5 to 0 – and that’s just your first offense. If you’re caught a second time, you will pay a higher fine, and if there is a third offense, not only will you pay an even higher fine than the first and second offenses, but you also risk having your driver license suspended. Plus, you will be given a ticket for a surchargeable violation. A ticket. Sounds like no big deal, right? Wrong. In Texas, a surchargeable violation means you can be charged more than once for the violation, i.e., you’ll have to pay a fine for that violation once a year for up to three years.
So, looking to the Texas Automobile Insurance Plan Association for cheap car insurance in Texas may not give you cheaper car insurance rates than standard car insurance companies, but it will give you a cheaper bill than you will get if you’re caught driving without car insurance or proof of financial responsibility.
How To Get Cheap Car Insurance Online In Missouri
How To Get Cheap Car Insurance Online In Missouri
Getting cheap car insurance is the goal of most drivers in Missouri. I mean, who wants to pay even a penny more than is necessary for quality car insurance?
Thanks to the internet it is now possible to compare car insurance policies and prices at a number of different insurance companies here in Missouri and find the lowest-price insurance that’s right for your driving needs.
But before you spend your time making comparisons it might be a good idea to know what steps you can take to reduce your insurance rate right off the top. In that way the final rate your comparison shopping reveals to you actually will be the lowest rate you can reasonable hope to find.
Let’s start with your driving record. Whatever you do, do not drink and drive or drive while impaired in any way. If you are caught and convicted your car insurance premiums will skyrocket and remain high for several years. Likewise, a speeding ticket will also cause your rates to rise.
If you’re young, stay in school and keep your grades up. A “B” average qualifies most young drivers for a Good Student Discount.
If you’re older ask your insurance agent if you can sign up for a special driver’s program that will result in a savings on your monthly car insurance premium.
If you have multiple insurance policies, such as a homeowner’s policy or a health insurance policy, consider getting your car insurance policy from the same company – most Missouri insurance companies have a special discount for multi-policy holders.
Only carry the insurance coverage that you actually need. If you own a newer car – especially one that being financed – you may not have a lot of leeway in the kinds or amounts of coverage you need to have, but if you drive an older car, especially one with little or no Blue Book value then you might consider dropping or reducing some of your coverage, especially comprehensive.
Your deductible is the area where you can probably make the most headway on reducing your can insurance premiums in Missouri. A deductible is simply the money that you will pay in case of a claim before you ask your insurance company to pay anything. The more you are willing to pay for each claim – in other words, the higher your deductible – then the less you will be asked to pay for your insurance each month.
Now that you have a better idea of the types of things that affect the cost of your car insurance, it’s now time to get cheap car insurance online here in Missouri. You’ll find several websites willing to let your compare prices among different insurance companies, but keep in mind that no one website compares every insurance company, so if you want to compare the largest number of companies possible and increase your chances for finding the truly best and cheapest car insurance online, you’ll have to make your comparisons on more than one website.
It can be a bit work getting cheap car insurance online, but it’s not nearly as much work as it used to be and the bottom line is that you can feel confident that you now have the best and the cheapest car insurance that you’re ever likely to find in Missouri.