Friday, May 24, 2013
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High car insurance rates for teenagers are one of the major factors that make driving expensive. Besides paying high prices for petrol or gas, you will need to fork out even more money to pay for car insurance if you happen to have teenagers who drive. Statistics show that teenagers have higher possibility to crash their car, which explains why their rates are so much higher compared to other classes of drivers. Anyway, there are actually many tips on how to reduce car insurance rates for teenagers. 1. Raise deductibles. Raising your deductibles is a very easy step to get cheaper car insurance rates for teenagers. Just mention to your agent that you would like higher deductibles for your teen's policy and you will get lower premiums. However, it is also advisable for you to get the highest amount that you can afford. Just raising your deductibles from the amount of $250 to $500 can help you save up to thirty percent of your premiums. 2. Give your teenagers older cars to drive. Put your teenagers' names as the primary drivers of your older cars. This is because you will get very high rates if you put teenagers as primary drivers for newer cars. Furthermore, you can also drop comprehensive and collision coverage when they drive older cars. Their cars would still be protected and you are able to get cheaper car insurance rates for teenagers at the same time if you take liability-only coverage. 3. Encourage your teenagers to get good grades. Let your teenagers know that it is beneficial for everyone when you get reasonable car insurance rates for teenagers. Tell them that insurance companies actually offer lower rates when they are able to score at least a B average or higher. You might consider giving them the money that you manage to save from the good student discount to encourage them to work harder in school. 4. Make their cars secured. Install airbags, anti-theft devices and anti-lock brakes for them in their cars. All these devices help to ensure their safety and security when driving. You will also benefit from these devices as insurance companies offer discounts for cars with adequate safety and security features. 5. Although your teenagers might be a responsible driver, it is also important for them to attend drivers training course. It is a great way to get cheaper car insurance rates for teenagers so enroll them in the course now. When your teenagers graduate from this course, insurance companies usually reward them with lower rates. 6. Maintain good driving record. Teenagers are well-known for their recklessness in driving; therefore, insurance companies are not convinced to give them cheaper rates. In order to convince your company that your teens are safe drivers, they need to keep their driving records clean. If they do not get into accidents or violate any traffic rules for a long time, they might be able to get discounts for being a safe driver. If you still need more information about car insurance rates for teenagers, please visit my website to know more tips which will enable you to get low cost car insurance! Check it out now and save more on your car insurance for teenagers! Visit it today or you might regret in the future!
Wednesday, May 22, 2013
When shopping for auto insurance, it is important that you seek out the best offers for your money. There are many companies out there that offer cheaper car insurance rates and offer quality benefits. In this article you will be learned a few things that you should concern to get cheap car insurance rates. You can find cheaper car insurance rates online by comparing different auto insurance quotes. This is the easiest method and the most time saving. Use the Internet to shop for insurance and you will be end up paying less. When you do an online auto insurance comparison, you are saving time to find out what best deal offered by many companies. Internet has made it really easy to find cheap auto insurance online. You will be surprised at the savings when do a research online. Make sure you have a clean driving record. It is really a challenge for high-risk driver to find a cheaper car insurance rates. Most companies will offer higher rates to insure them. So you probably have to make sure that you are driving carefully all the time. Speeding, running red lights, accidents, and other driving rules violations of rules will contribute to your higher insurance rate. It would be advisable if you would maintain a good driving history. Get any discounts you are eligible for. See if there is a discount if you insure home and vehicle with the same company. Ask about any safe driving discounts, non-smoker discounts, driving course discounts, keeping your car in a locked yard or other special discount. There are cars that attract higher rates such as a sport car. Before you buy a car, make sure you ask how much is the typically costs to insure that car. Also make sure your car is installed with advanced safety features and let your insurance company know if your car have such features. This will also help you to get cheaper car insurance rates.
Driving drunk is a very dangerous thing to do, and can result in a variety of different consequences. If you are convicted of a DUI you will have to deal with points on your license, drivers license suspension, high fines, attorney/court costs, and more. While these items just mentioned tend to be short-term consequences, you may not have considered the long-term consequences that can arise if you're convicted of a DUI. If you're convicted of a DUI your car insurance rates and even your ability to have insurance coverage will be affected. Higher Rates More than likely your insurance company will be notified if you're convicted of a DUI. If the company does not suspend your insurance coverage, more often than not, you can wave goodbye to low rate car insurance for a long period of time. If you don't like the higher rates your current company wants to charge you, you can try changing insurance companies, but even changing typically won't save you money because you'll be labeled as a high risk driver, which will result in you paying higher car insurance rates wherever you may go. More than likely your insurance company will have to send an SR-22 Proof of Insurance Certificate to the state showing that they are covering you, in order for your drivers license to have your license suspension removed. Cancellation In some cases, if you have been convicted of a DUI, some car insurance companies will actually cancel your insurance policy. Not all companies can issue an SR-22, so this can result in your car insurance policy either being canceled or the company not renewing your policy at your current renewal date. Although some states may not allow your insurance company to cut off your coverage in the middle of your plan, they can stop covering you when your renewal dates come around. If you have questions about cancellation policies, you may want to review the laws in your state or sit down with your agent. Available Insurance If you end up having your current insurance policy canceled or not renewed, there are a variety of companies that will be able to offer you car insurance coverage. While you'll be able to find coverage, your new car insurance rates will still reflect the fact that you have a DUI on your record. In some states the DUI is only on your record for five years; however, other states may keep it on your record for life. Being convicted of a DUI can have a variety of different consequences, both short-term and long-term, and there is a good chance that it could affect your car insurance rates for the rest of your life. If you are interested in keeping your car insurance rates low, plain and simple, don't ever drive drunk. Driving while intoxicated is just a very bad decision. It not only comes with financial consequences, it puts you and others at great risk safety-wise as well. Before you decide to get behind the wheel of a car after drinking, make sure you take a moment to think about the consequences that can last a lifetime.
Tuesday, May 14, 2013
For parents with teenagers, buying car insurance for teenagers can be a real problem. Once your kid turns sixteen, driving becomes an obsession with them, but the usual auto insurance rate increase for teenage drivers will increase your total premium. Short of refusing to let them drive until they are older, there are a number of ways to lessen the added expense of car insurance rates for teenagers. Whether they are new or existing drivers, here are some tips to receiving lower car insurance rates for teenagers: o Type Of Car o Driving History o School Grade o Policy Ownership. Car Insurance Rates for Teenagers definitely base on their driving history. Even clean police criminal records can bring down the Car Insurance Rates for your teenager. Remember, the more positive documents you have to support your teenager, the cheaper will be for the Car Insurance. Type of Car This is definitely the opposite of what the Teenager wants. We know teenagers would definitely want an Expensive or powerful sports cars. Insurance Company do not like young teenagers in expensive sports cars and the average auto insurance rate increase for teenage drivers is much higher compared to the increase for an older, slower and less expensive model. Older, heavier cars are harder to drive recklessly and, therefore, are safer. With an older car, the consumer might consider dropping collision and comprehensive coverage and only carrying liability. One of the factors that weight the most on insurance costs is the value of the car, so older car will also help lower the Car Insurance rates. Driving History Most insurance companies will give good discounts for previous good driving. Make sure your teen drives with awareness . Stay away from claiming for minor damage such as bent fenders and encourage them to drive according to the rules so as to avoid traffic tickets as either of these can send car Insurance rates for teenagers rocket high. Send the teenager to a driving school. Graduating from a safe driving program or driver's education class can lower the price of their car Insurance rates. School Grades. There would be a discounted Car Insurance rates for teenagers who maintain a B average or higher. This discount on the rates can be as much as 25%, so it is definitely a great idea to look for this discount when shopping for car insurance rates for teenagers
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