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Monthly Archives: March 2017

Tips to Save Money on Car Insurance Online

If you are a new car owner or your previous auto insurance policy needs a renewal then it’s time for you to search for a new one. You will be surprised to know that different insurance company offers different premium for the same coverage. Thus, it is in your interest to find a low premium, more coverage best auto insurance policy. Local market search will be not enough, go to the websites of auto insurance companies and request for car insurance quote online.

While requesting for car insurance quote online provide all your details to the auto insurance company such as your name, age, zip code, address, your marital status, car’s annual commuting miles and safety features of your car because as default they will surely offer you high car insurance quote online.

Your credit history matters a lot for auto insurance companies. Reviews of insurance companies have shown a correlation between credit scores and risk to an insurance company. Thus, manage your credit score to a positive level before requesting for a car insurance quote online.

During the request for car insurance quote online keep an eye on discounts provided by auto insurance companies, mainly on their websites. With offered discounts, you can drop your premium.

If you have a life insurance policy or health insurance policy or any other insurance, it is recommended to ask the same insurance company for auto insurance. They will surely provide lower car insurance quote online, as you are their client.


Ways to Get Inexpensive Car Insurance for Teen

1. Have your teen driver take a driver education course in school, as well as encourage your teen to make good grades. Many car insurance companies offer discounts to those teen drivers who have taken driver education courses and make fairly high grades.

2. Add your teen driver to your own car insurance policy. There is no reason to purchase a completely separate car insurance policy for your teen driver when you can add him or her to your own car insurance policy. This alone will save you money, and you may even be able to get a multipolicy discount, too. Ask your own car insurance agent.

3. Drive responsibly. If your teenager sees you speeding, ignoring stop signs, and giving in to road rage, he or she will most likely develop the same driving behaviors. These behaviors lead to traffic citations and traffic accidents, both of which will lead to higher insurance prices, as well as injuries and fatalities.

Sure, we can not stop our children from eventually driving, but we can find ways to get cheap car insurance for our driving teenagers. Some of these ways will also help our teen drivers become safe, responsible drivers. It is a win-win situation!


Tips to Get Inexpensive Auto Insurance In New York

First make sure the information is correct: Proper address, correct vehicle information, your name and age are correct, and the vehicle is properly classified.

Take a DMV approved auto accident prevention course. Your insurance company must apply a credit to your premiums for three years if you take and complete the course. Additionally, if you have points (violations) on your driver’s license, this course will remove up four of them (hopefully you don’t have more than that).

Automatic seatbelts and airbags will earn you a credit on your medical payments and no fault (not on the liability nor physical damage) coverages. A small credit, but a credit none the less.

Anti lock brakes is a biggie and earns a discount on most of your policy coverages.

Daytime running lamps will earn a further discount on your liability, collision, no fault and medical payments coverages.

Join the Combat Auto Theft Program (CAT). This program allows police officers to stop vehicles with an official decal if it is driven during the prime vehicle theft hours between 1 and 5 am. Some companies will offer a discount for participating in CAT.

Earn a Careful Driver discount for drivers without an accident for a given period of time.

Multi-policy discount – if you have more than one policy with the same insurer, most insurance companies will offer a discount.

Senior Citizens and/or retirees may be offered a discount because they’re generally on the road less often than younger drivers.

Increase your deductibles. Higher deductibles lower your premium

Drop physical damage coverage on old vehicles.

Chat with your insurance agent. They are a great resource for money saving tips