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Low Rate Car Insurance - The 411 On Car Insurance Discounts (Part Two)
2007-02-27 23:43:12
This is post two of two in a series about how you can save money by applying special insurance discounts to your policy. Good Grade Discounts If you are have a child that is of driving age and on your insurance plan, this can get quite expensive. However, there are discounts that can help you save money on your car insurance rates, even with a teenager who is an inexperienced driver, on your policy. Many car insurance companies will offer discounts if your child gets good grades in school. Sending a copy of his or her report card to your insurance company showing that your child has received excellent grades can possibly provide you with a discount on your auto insurance since most teenagers with good grades prove to be safer, more responsible drivers. Driver’s Ed or Driving School Discounts If you have a child that is learning to drive, more than likely you will get a discount on your insurance if he or she completes driver’s education, whether through private lessons, ...
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Low Rate Car Insurance - Save Money by Becoming a Better Driver (Part Two)
2007-02-24 11:40:08
This is post two of two in a series about how good driving habits can lead to lower insurance rates. Tip 3 - Always Wear Safety Belts Let’s not beat around the bush, if you’re not wearing your safety belt at all times, you are drastically increasing your chances of dying in a car accident. Wearing safety belts can give you a great discount on your car insurance, but if you don’t use them, you lose the possible discount and increase your risk of death. Wearing your safety belt at all times can save your life and it can keep you from getting a ticket as well. Tip 4 - Stop Completely Whether there is anyone around or not, you always need to be sure that you are coming to a complete stop at a stop sign. You never know when someone could come around a curve or around a hill and hit you if you fail to stop at a stop sign. You should also check both ways before you resume driving again to make sure that the road is clear. Paying attention and stopping completely at stop s...
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Low Rate Car Insurance - Save Money by Becoming a Better Driver
2007-02-24 05:39:01
This is post one of two in a series about how good driving habits can lead to lower insurance rates.  One of the best ways you can save on car insurance rates is to be a safe driver and have a clean driving record. Saving money is important to most people, and by following a few tips, you can improve your driving in a way that will help you get low rate car insurance. To most of us, the following tips are basic lessons that have been preached to us over and over again, yet many of us don’t take them seriously enough, or even consider that they could realistically play a part in saving us money. Tip 1 - Slow Down! One of the quickest ways to see your car insurance rates go through the roof is to start getting speeding tickets. If you want low rate car insurance, you will need to take care and watch your speed. While your insurance company may forgive one speeding ticket, get more than one and you’re on your way to high insurance rates for your vehicle. There is no need to...
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Low Rate Car Insurance - Why you Pay More to Insure your SUV (Part Two)
2007-02-23 17:38:01
This is post two of two in a series having to do with SUV insurance rates. SUV car insurance rates are often much higher due to the many safety problems that come with driving an SUV. One common problem with many SUVs is that they tend to roll over quite easily, which can lead to very bad vehicle accidents. If you own an SUV, you have more than double the chance of rolling it than you would your typical passenger car. This potential danger will contribute to higher insurance rates. SUVs were not built for driving at high speeds or turning quickly at high speeds, and doing so recklessly can be a recipe for disaster. The statistics for SUVs are actually quite disturbing and lead insurance companies to charge higher rates for those that drive SUVs. Back in 1996, there were actually more than ten thousand people that died in vehicle accidents related to an SUV rolling over. There are now many more SUVs on the roads, heightening the risk for all of us who share the streets with these veh...
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Low Rate Car Insurance - Why you Pay More to Insure your SUV
2007-02-23 11:37:01
This is post one of two in a series having to do with SUV insurance rates. Many times when people go to insure their brand new SUV for the very first time, they receive a big shock when viewing what they’ll be paying for car insurance on their SUV. Insuring an SUV can be considerably more expensive than insuring your typical family car, or even a sports car, and many people are stunned when they first find this out. There are a variety of reasons that car insurance rates for SUVs are much higher than other vehicles. Some of the reasons include higher prices, all wheel drive, safety problems, and fatality statistics. Because SUVs tend to cost more than most sedans, if you have an accident, the insurance company will have to shell out more money to replace your vehicle, so it is going to cost you a bit more to insure your SUV. This of course applies to all vehicles that are pricey. Clearly you may want to take this into consideration before you purchase a SUV as not only the cos...
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Low Rate Car Insurance - Know What Factors Affect Your Premiums (Part Two)
2007-02-22 23:36:02
This is post two of two in a series about understanding some of the factors that affect your insurance premium rates. Another factor that can affect your car insurance rates is gender. Many people do not realize that gender plays a part in how much you pay for your car insurance premium. While there are many jokes about women being bad drivers, it is actually women who have been proven to be the safest drivers and who tend to save more money on their car insurance rates. Men tend to be a bit more daring behind the wheel, and they pay for this on their premiums. And this patter applies even more as people grow older. Location, location, location. We here that phrase when it comes to buying a new home but location also plays a very big part in how much you pay for your car insurance. For instance, if you live in a small town where there is very little traffic, then you will probably have lower rates; but those who live in large cities and places with large populations will have to dea...
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Low Rate Car Insurance - Know What Factors Affect Your Premiums
2007-02-22 17:35:03
This is post one of two in a series about understanding some of the factors that affect your insurance premium rates. Whether this is your first time purchasing car insurance or you’re an old pro at buying insurance for your car, more than likely you may not know everything that goes into calculating the cost of your car insurance policy. There are a variety of things that factor into what you are charged for car insurance, and usually, it has to do with the demographic you are placed in and the risk associated with that demographic. Before you renew your next policy or purchase a new one, you need to know what factors affect your car insurance rates. One thing that definitely affects your car insurance rates is your age. Most of the time, those that are under the age of 25 have to deal with insurance rates that are quite a bit higher. After you turn 25, it is much easier to find low rate car insurance. The reason is because statistics over time have shown that people under th...
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Low Rate Car Insurance Coverage - How Much is Enough? (Part Two)
2007-02-22 05:34:02
This post is part two of two in a series helping to explain how much auto insurance you may need. If you have a newer car, you will probably want to carry more than just liability car insurance, and even with more coverage, it’s still possible to get low rate car insurance. Adding both comprehensive and collision coverage will offer much greater protection for you and your investment, and if you have a loan or a lease on your car, more than likely you will be required to carry both comprehensive and collision coverage in addition to liability. While car insurance rates for comprehensive and collision coverage are a bit higher than liability, it is worth the money you spend to make sure that your car is covered. For those that do decide to purchase either collision or comprehensive car insurance, it is important that you check out in detail what your policy covers. Some policies may not cover the damages from storms such as hail, tornados, or falling trees. Others may not cover...
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Low Rate Car Insurance Coverage - How Much is Enough?
2007-02-21 23:33:01
This post is part one of two in a series helping to explain how much auto insurance you may need. If you’re purchasing car insurance, you may be wondering how much or how little car insurance you actually need. You may even be wondering if you really have to spend all that money to have car insurance at all. Yes, most people will probably differ in their needs for car insurance, depending on their circumstances, but it is important to note that everyone who drives, by law, needs car insurance. While those pesky monthly premiums can get costly and frustrating, you do need car insurance to keep you and your family protected. One reason is because most states in the U.S. actually require you have some form of car insurance. Almost all states require that you at least have liability insurance on your car, which will make sure that anyone that you hit is protected, but it will not cover you or your car. Most states only require small minimums of this coverage, so the car insurance ...
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Low Rate Car Insurance - Buying a New Car
2007-02-21 11:32:01
Pick the Safest and Save on Car Insurance (Part 2) This post is one of a two-part series on how choosing the right car to purchase can help to lower your car insurance rates.  4. Honda Civic EX - Another smaller car that was high on the safety list, scoring number two, is the Honda Civic EX. Once again, this car is a bit more cost friendly than the Volkswagen Golf, and it still comes with excellent safety features that will keep you safe and help you get lower car insurance rates. If you are purchasing a car on a budget but want to make sure it has great safety features as well, then this car is an excellent buy. 5. Honda CR-V - If you are looking for a small SUV with a great safety rating, you may want to consider purchasing the Honda CR-V. While usually you will pay more to insure a SUV, the Honda CR-V provides safety features and a great safety rating that will help you save. 6. Toyota Highlander - If you want a larger SUV but you want to make sure the vehicle is safe, the Toyota...
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Low Rate Car Insurance - Buying a New Car
2007-02-21 05:31:03
Pick the Safest and Save on Car Insurance (Part 1) If you are going to be purchasing a new car in the near future, you may want to think about how the car is going to affect your car insurance rates. Believe it or not, the car you choose will definitely affect how low or high your car insurance rates will be, but you can choose a safer car to ensure you get insurance that’s affordable. The following are some of the safest cars out there… 1. Volkswagen Passat - In 2006, the number one rated family sedan for safety was the Volkswagen Passat GLX, which has a V6 engine. This car provided excellent safety features designed by Volkswagen and tested out to be the safest car in the family sedan category. If you want a nice family car that is fairly inexpensive and also very safe for your family, this is a great choice! 2. Toyota Camry - Still in the class of family sedans, the Toyota Camry came in second place in 2006, right behind the Volkswagen Passat. The Camry is a bit cheap...
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Low Rate Car Insurance - What if My Claim is Denied?
2007-01-31 05:20:07
Getting your insurance claim denied is not a lot of fun. The good news is quite often, a denial can be turned around if any of the details or facts have been overlooked. The first thing you need to understand is there are a number of reasons that an insurance claim can be denied. For instance? You might not have the type of coverage that was needed for your specific case. For instance, if you don?t have collision insurance, when you file a claim for damage to your car, it typically will be denied. It?s possible you filed the wrong type of claim and it didn?t apply to either you or the other driver. Your insurance coverage might have lapsed or you?re late on a payment. The amount of damage exceeds limits on your policy. You were in an accident before your policy was active. There are a number of legitimate reason?s your claim might have been denied, so the first order of business is to find out specifically why it was denied. If after that, you feel like your coverage has been wron...
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So, what exactly is GAP insurance? In a nutshell, GAP insura
2007-01-14 05:09:03
So, what exactly is GAP insurance? In a nutshell, GAP insurance was created to provide auto insurance protection for “new” cars that are being financed. Application example…If a new car were stolen or totaled in an accident, Gap insurance will pay the difference between the cash value of the car and the current outstanding balance on your auto loan or lease. You see, when a new car is driven off the lot, it depreciates quite a bit. So, if your car were stolen a week later or totaled in an accident, your insurance company would pay what the cash value is on the car, not what you paid for it the previous week. Because of depreciation, this cash value would be quite a bit lower than what you paid and you would be stuck paying off the difference. That?s where Gap car insurance comes in. Typically, Gap insurance covers accidents and thefts but you should check with your agent and make sure, because as we know, all policies are not created equally. Find out if it covers ...
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Low Rate Car Insurance - Where You Live Matters
2006-12-28 04:56:03
When it comes to how much you pay for car insurance, where you live plays a significant role. Most people understand that things like driving record, claims history and the type of car you drive is factored into your policy price but most don?t know that location also plays a part. If you live in a city and your driving takes place in a more congested area, you insurance will more than likely be higher because your chance of getting in an accident is higher. The more traffic, the higher the policy. Also, if you live or work in a high crime area, your chance of vandalism or theft is higher as well, hence, a higher policy rate. What type of weather you have in the location you live may also play a part. If you live in an area that experiences extreme weather often, it?s possible your rates could go up, not only because of possible damage to your car but also driving conditions. What about living in one state vs. another state? Most people are not concerned about this because how much ...
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Low Rate Car Insurance - The Difference Between Comprehensiv
2006-12-14 04:46:01
Comprehensive, Collision and Liability insurance coverage - three types of insurance we should all have. But many don’t know the difference between the three so here’s a brief overview… Comprehensive Insurance : This type of insurance covers damage to a vehicle, which is caused by an event other than a collision or overturn. Examples might include fire, theft, vandalism or other losses that are not the result of a collision as stated in the policy. A deductible can apply depending on the policy. This type of coverage is typically optional but highly recommended. Liability Insurance: This type of coverage is not optional - it is required in all states and is probably the most important coverage you can have. It is insurance for what the policyholder is legally obligated to pay because of bodily injury or property damage caused to another person; it is a part of the general insurance system of risk transference. Actually, it?s made up of two different policies, bodily...
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Low Rate Car Insurance - Eight Ways To Save Money On Car Ins
2006-12-06 04:40:01
Continuing from our last post, here are five more ways that you can typically save money on car insurance rates with most car insurance companies. The type of vehicle you drive plays a big part; the more modest or conservative the car, the more conservative the cost of insurance, under most circumstances. Also the age of the car can play a part in how much coverage you want or need, although there is a minimum amount of coverage you need in each state. Check with your state DMV.  Get a higher deductible. This is something you will have to weigh of course, pros and cons that is to raising your deductible. A higher deductible always equates to lower car insurance rates. Where you live plays a part. The more metropolitan an area, the higher your insurance rates tend to be; the more traffic you drive in, the more chance of an auto accident occuring. Living in the suburbs or out in a rural area can save you quite a bit when it comes to auto insurance. Combine all your car insurance poli...
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Low Rate Car Insurance - DMV Information
2006-12-06 04:40:01
For anyone wanting to find any state-related DMV information, try using dmv.org. The site was created to provide easy-to-access information and resources for almost all DMV needs. This is not a government sponsored site. It has information regarding drivers licenses, firt time drivers, driver education, driving records, DMV locations and hours, commercial driving, safety and statistic numbers, and much more. The site also comes with auto news information, how to guides, and driving school locations. It’s a site that has a lot of sponsored links on it (more than the avg Joe) and sometimes reduntant information, or too-general information, but all-in-all, it’s a relatively good source for DMV related content.  car insurance companies rates car insurance rates compared new york car insurance rates in south carolina car insurance rates state connecticut car insurance rates insurance car comparison rates low car insurance rates in america&n...
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Low Rate Car Insurance - Eight Ways To Save Money On Car Ins
2006-12-06 04:40:01
Sometimes, buying car insurance can be confusing, and even complex. But like anything else, the more you’re educated on the details of what you’re shopping for, the more money you tend to save. This is part one of two posts. We’ll cover the first four ways you can save money below. Do your best to have a clean driving record. This means no tickets for speeding or other infractions, no accidents for at least three years. Whatever communicates risk or irresponsibility on your record will tend to raise your insurance rates. Having prior insurance for at least six months can be looked on as favorable. If you have current insurance, keep payments up to date, stay in good standing with the company, and don’t let your insurance coverage lapse. Keep your credit score as high as you can. The higher your credit score, the more “responsible” you will appear to be, which again works towards lowering your rates. Some insurance companies will throw a few point...
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Car Insurance Rates - Lemon Laws and Used Cars
2006-11-28 11:57:04
The majority of people who buy new cars should be somewhat familiar with lemon laws. These are laws which allow consumers to get a refund or a replacement car when their car initially turns out to be, well…a lemon; a car that doesn’t operate reasonably within the amount of time that you’ve had it. These laws can cover leased cars and purchased cars. The guideline was designed to act as a consumer protection device. But, do lemon laws apply to “used” cars? Well, that depends on where you live. Without knowing every specific law in every state, you need to contact the office of your state attorney general and ask some questions. Here are some of the questions they should have answers too. But this is just a sample… What defines a “used car”? What’s the maximum miles allowed (ceiling), and/or number of years from date of purchase? Was it purchased from a dealer in your state? What’s the maximum price allowed for the vehicle?...
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Car Insurance Rates - Electronic Stability Control
2006-11-28 11:57:04
The National Highway Traffic Safety Administration is looking at a number of safety improvements to make passenger cars and trucks safer to drive. One of the items at the top of their list is finding a way to encourage automakers to equippe cars with electronic stability control systems (ESC). The U.S Department of Transportation is considering requiring auto makers to have this technology installed on all new passenger vehicles by the  year 2009.  According to the NHTSA, this technology could save around thousands of lives each year. Electro nic stability control (ESC) is a computer controlled braking system that monitors the driver?s steering and applies braking to the individual wheels of the car to keep the vehicle headed in the right direction. This allows the driver to maintain control in situations where the car would typically lose control like spin outs and driving on ice.  When functioning correctly, ESC responds faster than the driver’s reflexes during extreme steeri...
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Low Rate Car Insurance - Driving in Extreme Weather
2006-11-28 11:57:04
With the Thanksgiving holiday in the rear view mirror, we drive on toward Christmas and the end of 2006. With Winter drawing near, weather across the country is slowly getting worse and harder to drive in. With that being said, we thought it a good reminder to pass on our bad weather driving tips once again. If you?re driving on ice or snow? Keep your speed steady and at a manageable rate. But don?t drive so slow that your car could get stuck in the snow. When driving, always leave more distance between you and the car in front of you. When slowing down or stopping, try not to brake abruptly, your brakes could potentially lock up and you could lose steering control. In a manual car, be careful about downshifting when going down hill. If you hit an ice patch when down shifting, your tires could lose their grip on the road. Try and keep all windows clear and frost-free. Put a coat of silicon spray or similar on your windows to help coat them. Make sure your windshield wipers are in g...
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Low Rate Car Insurance - Click it or Ticket
2006-11-22 23:45:02
According to buckleupamerica.org, the “click it or ticket campaign” seems to be working. Beginning in the year 2000, approximately 71% of drivers were buckling their safety belts when driving. That grew to about 75% in 2002. But over the past three years, that number has ballooned to 82%. The program attributes it’s success to an initial “flurry” of paid advertising and publicity regarding the law. Unfortunately, even with this change in law, according to the NHTSA, traffic fatalities have stayed about the same over the past ten years, fluctuating about two percent during that period. Buckleupamerica.org has been actively promoting the use of safety belts for years. They offer creative promotional materials that can be used in schools, window displays, restaurants, retail outlets and more. During the Thanksgiving holiday, they show examples of posters you can use to promote safety belts, including one that depicts the common “palm turkey” (o...
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Low Rate Car Insurance - Your Credit Score Matters
2006-11-21 23:42:01
We’re continually asked about the many things that affect car insurance policy rates and one variable that many don’t know about is the policy owner’s credit history. So we’re re-posting information from a past entry because we feel it’s important for you to know. The fact is your credit history can affect what you pay for car insurance and it may even cause a denial of coverage. But how can a low credit score make a premium rise, even when a driving record has stayed clean? Aren?t things like a driving record, age of the driver, type of car you drive, and amount you drive the only things really taken into consideration? The answer is no. Bottom line, a poor credit history means a person may not be responsible so most car insurance companies factor in credit when calculating the premium. Car insurance companies believe that the better your credit history, the more likely you are to pay your insurance premiums, and pay them on time. There is also a trend...
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Low Rate Car Insurance - Do I Need Third-Party Coverage?
2006-11-18 05:33:01
What is third-party insurance? A typical car insurance policy is set up as a contract between two parties: you the driver, and your insurance company. If you get into an accident with another automobile though, they are considered a third party. If you were to get in an accident with another party, will your current policy limits cover the claim? There are two different types of third-party liability insurance coverage. The first type is called bodily injury liability and the second is called property damage liability.  Bodily injury liability covers costs related to people like lost wages due to injury, medical costs, and things related to pain and suffering.  Property damage liability covers the cost of objects or things, like other cars, a person’s house, a building, street signs, landscaping, etc. Each state has minimum required levels for major types of car insurance coverage and these include third-party coverages. It’s important to sit down with your insurance age...
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Low Rate Car Insurance - How to Find the Best Price
2006-11-17 17:30:04
We all know that the best way to save money on anything, let alone car insurance, is to shop around. The Internet is a good place to start looking for good car insurance rates. There are many online sites that are either an insurance company’s site or a broker, like insurance.com. The more you hunt, the better idea you will get of what’s expected financially from you as well as what many of the companies offer policy-wise. When car insurance rates are calculated, what you end up with varies from state to state, and geographically within the state, from location to location. Prices depend on driver risk factors and record, amount of driving you do, type and age of car, age of driver, how many drivers you have on a policy and more. Another variable, as we’ve mentioned before is your credit score. The higher your credit score, the more responsible you tend to be, which can carry over to how you drive. The more responsible you are, as indicated by certain variable, the...
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Low Rate Car Insurance - Comparing Car Insurance Companies
2006-11-16 17:30:05
When shopping for car insurance companies, do your due diligence because it can save you quite a bit of money. Most people, if they’re already insured, take the easy way out and stay with the same company year after year, especially when their insurance policies are grouped together. When you shop for other items, even expensive items, you always shop around, at least I hope you do, so why not do it for your car insurance? Many insurers now offer online insurance rate quotes. Comp anies such as Geico, insurance.com, aaa.com, progressive.com, esurance.com, allstate.com, netquote.com and many others offer online quotes for most situations. Many of these companies are brokers and will give you multiple quotes from multiple car insurance companies. While online services are solid, in our opinion, it’s only a starting place. Be careful what information you give out to these online companies because when you enter your contact information, be ready for a barrage of phone calls ...
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Low Rate Car Insurance - How Much Car Insurance Do I Need?
2006-11-16 17:30:05
How much car insurance you need really depends on your situation, age, car you drive, location you drive in, number of miles you drive and a number of other variables. But according to a handful of insurance companies, there are three general questions that can help you on your way… First, should I even get collision and comprehensive coverage? According to state law, you may be required to carry one or the other or both. Each state has it’s own minimum requirements. As your car decreases in value vs. the loan amount on the car, you will need to weigh how much coverage you need, if any at all. If your car is heavily damaged in an accident, will you have enough to cover it so it can provide for your transportation needs? Second, if I do get collision and comprehensive car insurance, how high or low should my deductibles be? The higher the deductible, the lower your car insurance premium will be. You need to crunch numbers though and ask yourself, how much could you afford...
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Low Rate Car Insurance - Using an Agent versus Buying Direct
2006-11-16 17:30:05
Most people don’t know this but when you purchase car insurance, you can purchase it through an insurance agent or you can purchase it directly from the insurance company. The majority of people purchase car insurance through agents who are the “experts” in their field. But, you do have an option. If you know all about insurance - you know what kind you want and “need”, you know how to fill out the correct forms and you know how to file insurance claims should you be in an accident, then you might want to try going directly to the insurance company to purchase insurance. We at Car-Insurance -Rates-Info.com, however, highly recommend that you use an agent. They offer you personalized service, they’re paid to know everything that’s needed to know about what’s best for your situation. If you were to get in an accident, the last thing you need at that time is to have to deal with the legal aspects of filing a claim and the paperwork. An ext...
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Low Rate Car Insurance - Driving and Fatalities
2006-11-12 23:21:02
Life is very precious and oh so fragile. One day you’re here and the next day…well, most of us try not to think about it. As far as driving fatalities, while the number of fatal accidents has dropped by more than 50% in the last forty years, people die on the roads each and every day. According to statistics over the past four years, teenage drivers alone have accounted for over 400 fatal accidents per year when driving on Friday and Saturday nights. Driving is very dangerous if you’re not paying attention and driving smart. People unfortunately push the limits of the law and break the law while driving every hour of the day. As time passes, there is less respect for authority and more concern with self, which is why these limits constantly get pushed. We at car-insurance-rates-info.com hope that no one ever has to experience the loss of a loved one or friend due to careless or reckless driving. Accidents can happen at any time of the day but according to the Natio...
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Low Rate Car Insurance - Getting Your Car Insurance Claim De
2006-11-12 05:18:01
There’s a sinking feeling when you get an insurance claim denied. But one thing you don’t want to do is wallow in your sorrow. Often, a denial can be turned around if any of the details or facts have been inadvertently or purposely overlooked. The first thing you need to understand is there are a number of reasons that an insurance claim can be denied. For instance… You might not have the type of coverage that was needed for your specific case. For instance, if you don’t have collision insurance, when you file a claim for damage to your car, it typically will be denied. It’s possible you filed the wrong type of claim and it didn’t apply to either you or the other driver. Your insurance coverage might have lapsed or you’re late on a payment. The amount of damage exceeds limits on your policy. You were in an accident before your policy was active. There are a number of legitimate reason’s your claim might have been denied, so the first...
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