July 4 2009 by author in Uncategorized |
Reader’s Question:
What type of discount can I get to lower my car insurance rates?
Frank
New York, NY
There are various auto insurance discounts available from car insurance providers but here are the most common type of discount that helps a lot of policyholders. Check if you qualify for any of the discounts.
Some common discounts you might be eligible for are:
- Multi-vehicle discount- You can get discount from your insurer if you insure more than one car with them
- Defensive Driver Courses discount- Insurers give discount to those who have recently taken defensive driving course. This defensive drivers class helps drivers to become more responsible and better drivers on the road that is why this discount encourages drivers to take the course.
- Safety features and anti theft devices- Having car alarm, airbags, anti-lock brakes, or automatic seat belts in your vehicle can help you get more saving on your car insurance rates.
- Multi-line discount- if you have homeowners and auto insurance through the same insurer, you can get discount as well
- Pay in full or through EFT- You can save on finance charges if if you pay your car insurance in full.
- Good student discount- if you have a grade point average of B or higher in school, and is 25 years old and below, you can get student discount form your insurer.
So these are just some of the things that can help you save on your car insurance so make sure you dont forget to ask for them. Maintain a good driving record and good credit standing. Adjust your car insurance coverage to assume more risk. Avoid driving expensive and high performance cars.
Reader’s Question:
Where can I look for the cheapest car insurance quotes?
Cindy
Columbus, OH
You’ll find that every broker or sales agent you talk to and every car insurance website you visit will claim to have the cheapest car insurance quotes. It’s nothing out of the ordinary given how tough the competition is lately. But the more important thing is to be sure that you do find the cheapest car insurance quotes. That shouldn’t be too difficult if you put in a little effort and practice a little prudence.
Most of us who are dissatisfied with our car insurance are probably thinking that we’re spending more than we should. The most common mistake that buyers make is taking the first car insurance quote they are offered with. Car insurance companies work out the rates they offer in various ways. Although there are general guidelines that everyone follows, some companies may put more emphasis on age or gender or driving records. Some companies may incur bigger operational costs than others. So if we had only gone a few steps further and looked for a few more quotes we might have spotted big differences between each provider. If we really want to be certain that we’ve found the cheapest car insurance quotes, the best way to go about it is to gather as many as we can.
January 30 2009 by author in Uncategorized |
Reader’s Question:
Do companies offering cheap car insurance quotes online honor the quotes when you actually avail of the insurance?
Kim
Sacramento CA
Cheap car insurance quotes online provided to prospective clients are just estimates of the actual premiums that the buyer will have to pay. They often do not include taxes and fees that are government mandated. The real premium could actually be higher compared to the cheap car insurance quotes online because of these additions. But it doesn’t mean the insurance company has not honored the quote. You just have to look at the itemized additional fees to better understand the actual premium, or you can ask the insurance provider to explain how they arrived at the computation. Companies providing cheap car insurance quotes online will honor them, with the addition of taxes and other fees, provided that every information you have provided is correct and accurate. Insurance companies need also to protect themselves from fraudulent transactions. Before the quote is honored, the prospective buyer has to show proof concerning the authenticity of the information he has provided, otherwise, the company has the option to reject the application or entirely change the computation. In every transaction, both the buyer and the seller should display good faith. Also, the buyer and the seller can still negotiate before the actual signing of the actual so that the premium will actually reflect the cheap car insurance quote obtained online.
January 30 2009 by author in Uncategorized |
Reader’s Question:
What sort of coverage comes with cheap car insurance quotes?
Harry
Chicago IL
The coverage that comes with cheap insurance quotes depends on which part of the country you are located. In some states, the government sets the insurance premium, while in others, the insurance companies determine the premium based on regulatory framework that the government has set in the past. That means when you ask or obtain cheap car insurance quotes, your coverage could vary. One quote may offer more coverage compared to the others What you can expect though is for the cheap insurance quotes to include the minimum liability requirement of the state where they are operating. In some instances, the cheap insurance quotes provide more than the basic coverage but the price has been lowered because of some discounts or promo. This is highlighted when companies provide you with quotes. But when you want to be free from automobile-accident related costs, your coverage should be comprehensive so that in the event that you become involve in a traffic accident, all of those affected can be covered by your insurance. You need not worry about incurring personal damages as the insurance will cover those for you. Cheap car insurance quotes are not likely to provide you with all of the coverage that a comprehensive insurance offers.
January 30 2009 by author in Uncategorized |
Reader’s Question:
Where can I obtain quotes for cheap car insurance?
Sam
Chicago IL
Vehicle insurance companies can provide you with cheap car insurance quotes if you ask them. When you ask for quotes, the insurance agents may try to get you to buy more than what you are prepared to pay for at the moment. You have to be firm and make sure to indicate in your request that you want cheap car insurance quotes and the type of coverage it will provide you.
It is best for you to shop around until you get a clearer picture of which companies provide the best coverage at the lowest cost. If you know your friends’ insurance agents, you should first ask for cheap car insurance quotes from those guys after your friends introduce you to them. Having someone refer you to his trusted agent is better than blindly looking in the market for a trustworthy company. The process could be longer and less efficient. Your friends’ insurance agents are more likely to provide you with better bargains as you come with a referral from a client. Just remember though that the person who refers you should have a good record with the insurance company, otherwise, his reputation could rub off on you. Finally, when you ask for cheap car insurance quotes, be sure to provide all the pertinent data to make the processing of your request so much faster.
Reader’s Question:
I have an awful car insurance agent! I was talking to a friend, and it turns out I’m paying a lot more than she is! Can somebody please help me find cheap car insurance quotes without going through an agent?
Ellen
Buffalo, NY
Well, there are a lot of factors that go into the computations for the premium that you pay, so we won’t really be able to tell why you ended up paying more than your friend does. It differs with every person, depending on what their situation is or the amount of coverage that they paid for.
Anyway, there are a lot of ways you can get cheap car insurance quotes. I recommend you try the getting your next car insurance by purchasing it online. There are a lot of websites nowadays that offer cheap car insurance quotes for free. All you have to do is to go to these websites, fill out an online form and submit the information to the website. In no time at all, you get cheap car insurance quotes from different insurance companies enabling you to compare several offers at once. You won’t need to talk to anyone, and with the stiff competition, these websites are just dying to pile up the discounts. I suggest that you go to several of these websites since they offer car insurance from different companies, so one website may not be offering a brand that another website carries. This way, you get even more cheap auto insurance quotes, and you increase your chances of getting a really good deal. You will be amazed at how easy it is to do this. You can get your cheap car insurance quotes online, choose the best one and pay for it with your credit card. The car insurance company will just email you a copy of your policy or send you the documents via snail mail. Don’t you just love the power of the Internet?
Reader’s Question:
I got cited for drunk driving for the first time. I may need to look for another insurer. Where can I look for cheap car insurance quotes?
Eric
St. Petersburg, FL
Driving while under the influence (DUI) of alcohol or prohibited or regulated drugs is probably one of the more serious traffic offenses a motorist can commit. A DUI is established when the driver’s blood alcohol concentration (BAC) exceeds 0.08%. Most states have stringent rules when it applies to this crime. Offenders automatically receive two charges when they are caught for DUI. One is an administrative charge that would lead to the suspension of your driver’s license and/or car registration. In really bad cases, your car could even be impounded. The other is a criminal charge that would lead to imprisonment and/or community service. The severity of the punishment of the criminal charge depends on the age of the offender, the extent of the damages caused by the drunk driver, and how good the defending lawyer is.
One thing both charges have in common is the expense. A motorist caught for DUI can expect to be burdened with a considerable amount in legal fines and other fees. Another unavoidable cost after a DUI is high-risk car insurance. This will most likely be ordered by the DMV or the court. Even if it was your first time to commit such an offense, you will most certainly be viewed by the state and car insurers alike as an unsafe or dangerous driver. So, if you are thinking of looking for cheap car insurance quotes, you will have to think of “cheap” within the context of your offense. High-risk car insurance is definitely steeper to obtain than regular car insurance and such an offense is very hard to hide. It will probably be the most glaring item on your driving record.
Reader’s Question:
I rear-ended another woman’s car in California. Her car only got a few dents and scratches. I am willing to pay the other driver for damages if it will guarantee that my car insurance rates won’t go up. But if it will, I will definitely change my insurer. Where can I get cheap car insurance quotes?
Heather
Burbank, CA
Keeping our insurance free of claims is one way of guaranteeing that our car insurance premiums do not increase substantially. However, there are cases where we really must consider filing for claims even if it means risk getting negative insurance points. Remember that calls made to our car insurance companies are recorded. Any inquiries on a possibility of filing for claims may be put against your insurance record.
When in an accident in which you are found liable and you decide to pay off the other driver for damages, this move could be considered viable so long as you can afford it without having to file for bankruptcy later. However, you should examine the situation first. Are you sure that the accident was not orchestrated? There are a lot of deceitful individuals out there looking to take advantage of prudent drivers. And have you reported the incident to the police? California requires that all traffic mishap particularly those that have resulted in damages of $500 or more, need to be reported. If you did report the incident, this will still go to your driving record. This means then that your car insurance may still go up based on the incident even if you just agreed to pay off the other driver for damages her car sustained.
Remember that car insurance companies have different rating systems. So the best way to insure that you are getting the most competitive rates is by researching on the Internet for cheap car insurance quotes.
Tags: auto insurance claims, auto insurance premium, car insurance quotes, car insurance rate, cheap auto insurance
Reader’s Question:
Can I drive my mother’s car here in Texas if I have SR22?
Garrett
Austin, TX
The form SR22 is filed by a car insurance company with the Texas Department of Public Safety and Motor Vehicles to prove that an individual has car insurance coverage in effect.
There are two reasons why an individual may be required to obtain SR22. First will be because of a DUI conviction where an offender will be obligated to take high-risk car insurance coverage as one of the penalties of his or her crime. This insurance is needed for an offender’s driver’s license and/or vehicle registration reinstatement. The DUI offender will be required to maintain the SR22 for at least two to three years depending on the court’s directive. Failure to do so will result in permanent cancellation of driving privileges and the vehicle will be impounded. If SR22 lapses or is cancelled, the insurer will report this to the Department of Public Safety and the offender will lose his or her driver’s license totally.
The second reason SR22 is obtained is through a non-owners car insurance policy. This provides any individual the right to drive a motor vehicle he or she does not own.
In your case, we need to establish why you have SR22. If it is due to a DUI conviction, then you will need to inquire from the Department of Public Safety about the restrictions on your driving privileges so as to be sure that you are not violating any court sanction. If what you have is a non-owners SR22 insurance policy, then yes, you can drive your mother’s car provided that she agrees to lend it to you.
Tags: DUI, high risk insurance, sr22 car insurance, SR22 Form, sr22 insurance