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Save Money On Young Driver Car Insurance
Save Money On Young Driver Car Insurance
A study recently released has revealed that the average driver in Britain will be involved in a car accident every six and a half years.
When balanced out, that equates to every individual being the victim of nine accidents during their life. It seems a truly staggering statistic, and one that most people are unlikely to walk away from without suffering an injury at some point.
Even if you manage to avoid damaging yourself in all nine accidents, the likelihood is that your car will come off slightly less healthily. And that’s why there’s such a need for proper car insurance cover.
The Government have announced that they want to cut the number of car accidents by 40% by 2010, a big target but one that they feel is achievable. With driving tests becoming stricter, it is the young drivers of Britain who are being tasked with realising the objective; after all, they are the ones who are involved in the most amount of accidents.
But it is not just to satisfy Government targets that young drivers should improve their driving habits, it is for the sake of their own wallets too.
A result of the terrible reputation that they have means that young driver car insurance is horrendously expensive when compared to a motorist of more mature years. Some of the balance can be re-addressed by buying a motor insurance policy from a firm that deals specifically with young driver car insurance, and so is able to offer a significant discount, but the fact remains that young drivers will have to pay a large amount in order to insure their car.
If the Government’s 40% reduction in accidents is achieved, then in the future young driver car insurance will be more in line with that of older drivers. But until that time, there are several ways that young motorists can reduce their premium, and Hoot Car Insurance Services, specialists in providing young driver car insurance, have revealed a few tips that are guaranteed to save a couple of quid.
One of the best ways to get a cheap car insurance premium is to enrol on an advanced driving course such as PassPluss. The idea might seem like a massive hassle after all the driving lessons that you’ve already done, but it really will be worth it to save the money. And on top of that, the courses do teach some important skills that standard driving lessons just don’t offer.
Instead of having your own motor insurance, it might be tempting to become a named driver on a parent’s policy. Bad idea. It might save a little bit of cash now, but in the long-term you’re only going to lose out- and lose out big style. A no claims discount is one of the most important things that a driver can have to get cheap car insurance, and by becoming a named driver you won’t get one. As a result, a few years down the line when you do finally get your own motor insurance, instead of having a nice cheap premium because of your years of no-claims, you’ll have to start from scratch and pay out for an expensive policy. It’s just not worth it.
Ensuring the security of your vehicle is something that car insurance companies like to hear, and so will give you a discount if you can show that your car is not a thief’s paradise. Keep it in a garage, but if that’s not possible then a driveway will do- anything to keep it off the street. Invest in a steering lock, an immobiliser and an alarm, and if you really want to get a cheap car insurance policy, get hold of a tracker too.
On top of these few industry secrets, the one thing that you can do to keep your young driver car insurance premium at a low is simple. Drive sensibly.
Speeding points in your first few years of driving really rack up the price of motor insurance, as does any accident that you’re unlucky enough to be involved in. Drive carefully, follow the few tips above and be sure to buy your policy from a firm that specialises in young driver car insurance, and you’re guaranteed to save a lot of money. Money that can be better spent on far more interesting things than boring old 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.
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!
Quiet Ways To Save On Auto Premiums Without The Companies Realizing What Hit Them (5)
Quiet Ways To Save On Auto Premiums Without The Companies Realizing What Hit Them
Auto insurance seems like it should be easy, given the constant bombardment of commercials and ads screaming free quotes and instant proof of insurance. Yet, if you’ve ever really looked at your policy or had to deal with an auto insurance company, you know it’s anything but simple. Read on to learn a few tricks that can make this area of your life easier.
Cut your insurance rates by dropping any uneccessary coverage. If you drive an older model car that is not worth more than a few thousand dollars, you can drop collision coverage. Collision coverage pays to repair your car, but only up to its replacement value, which isn’t much if the car’s only worth a few grand. Comprehensive coverage works the same way, and covers car loss or damage due to fire, vandalism or theft. Compare the cost to replace your older car with the cost to maintain the insurance — it might not be worth it.
Rather than waiting until you’ve received a speeding ticket or other moving violation, enroll in an accredited driver safety course. Most major auto insurance providers offer discounted rates for drivers who have recently completed a defensive driving course; insurance companies view this as a commitment to safe driving and are generally willing to reward safe drivers.
Always keep some kind of camera with you in your car. Being able to document the scene of an accident can help police and insurance companies to determine fault. It can also help the insurance adjuster to decide the outcome of your claim more quickly. If the accident was the fault of the other driver, your photos could help save you from costly rate increases.
Not every part of growing old is pain: Once you reach 50, you are entitled to a discount on your car insurance. Insurance companies are well-aware that senior drivers are, statistically, the safest on the road. Almost every insurer offers discounts for drivers between the ages of 50 and 70. If you are in this bracket, make sure you get the discount due to you.
Reduce the miles you drive, and make sure your auto insurance company knows about it. Most insurance companies offer a discount for drivers who use their car for less than 7,500 miles a year. What your auto insurer doesn’t know, however, can’t be applied for a discount, so be sure to show them your mileage each year.
Another way to decrease your auto insurance premium is by increasing your deductible for collision and comprehensive. Switching to a more expensive deductible can reduce the collision portion of your premium by up to thirty percent. This will still cover any auto catastrophes, but you still pay for fender-benders.
If you are buying a brand new car, you should be aware that the car’s warranty probably provides services such as towing or pays for a rental car while yours needs repairs. If you warranty covers these features, you should drop them on your insurance. When you warranty expires, do not forget to upgrade your insurance again.
Car insurance can be extremely complex. Hopefully after reading these tips through, you feel a little more clear and confident about how to handle such matters. Keep what you read in mind in order to save your stress, time, property, and money in future car insurance dealings.
Save Your Money When You Follow These Powerful Home Owner’s Insurance Tips
Save Your Money When You Follow These Powerful Home Owner’s Insurance Tips
If you are looking for basic information regarding homeowner’s insurance plus some other tips that you might not have heard of, this article is for you.
You can save a substantial amount on your monthly homeowners insurance payment if you raise your deductible. Of course, the problem with this is that small claims will have to be covered by you instead of your insurance company. But if you’re okay with paying out a few hundred dollars every now and then, then this can be a great option.
To get a discount on your home owner’s insurance, get other forms of insurance through the same company. Most companies offer multiple policy discounts to anyone has multiple insurance contracts through them. Before you select your policy, you should check other insurance companies and see if any of them offer other forms of insurance you might need.
To reduce the price of your home insurance, you need to decrease the risks of accident. You can start by buying fire proof furniture and materials. Install smoke detectors and fire extinguishers. Your insurance company will consider your home as safer, and in case of fire you should be able to contain the fire more easily.
When purchasing a home, especially for the first time, have your mortgage payments set up so that one-twelfth of your annual home owner’s insurance premium is included each month and placed in an escrow account. That way, you can avoid having to scrounge for pennies, to pay the premium each time it is due, since the money will already be in the account.
You shouldn’t confuse your purchase price with the amount of money it will take to rebuild your home. The lot your house sits on is included in the purchase price, but it won’t burn down. Insure your house for how much it will cost to rebuild it, plus the cost of your possessions and see if you haven’t been buying too much insurance.
Mortgage lenders will require you to have home owners insurance on your property. A policy can help protect your investment against certain types of natural disasters. Finding out how much a policy is going to cost you for your potential new home is an important part of knowing if you can afford the home you are considering.
To decrease the amount of time it takes for your insurance company to pay you for losses or damage to your home, document your home’s contents ahead of time. In the aftermath of disaster, it can be difficult to remember everything you had and the insurance company will want a list. Take photos or video of your possessions, especially electronics. You should record all model and serial numbers. You can store this documentation in a fire-proof box in your home, but leaving a copy at a relative’s house or emailing one to yourself is a good idea, as well.
As you have seen, there is quite a bit of information in regards to homeowner’s insurance. Hopefully, you will find these tips beneficial when making decisions regarding homeowner’s insurance.