Posts filed under 'auto insurance'
In this blog – it is our job to uncover everything that you will ever need to know about car insurance. Well, did you know that there are actually many different myths about car insurance that drivers believe to be true? Well, I am here to put those myths to rest and to shed some light on the truth. Keep reading along, because I promise some of the answers will surprise you.
Many drivers believe that their credit score is not something that is going to affect their car insurance premium – false. Actually, your credit score is something that will absolutely affect your car insurance premium, if you have good credit you could even get lower car insurance premiums.
Next, even without comprehensive coverage – if you get hit by a deer, hail, a windstorm or even theft, your car is not going to be covered. You need to purchase both collision and comprehensive car insurance to cover everything!
September 28th, 2009
So let’s have a chat about keeping your eyes on the road. I am the type of person that can not – for the life of me keep my eyes fully on the road. I am either concentrating on what music I am listening to – rubbing necking because of an accident or finally because I get bored; do you get bored while driving? That is the number one reason for accidents – because people can not seem to pay attention to the road.
Did you know that if you do pay attention to the road, you could actually save some money on your car insurance? To be honest, car insurance companies all over the place are adopting the ‘safe driver discount’. Major companies like Progressive and State Farm have been offering up these discounts and they have spread throughout the insurance world like wild-fire.
So next time you are playing a me, and rubber necking – think twice about it because you really could save some cash!
September 9th, 2009
Now I know – there are a lot of different car insurance companies out there … a hell of a lot of them actually. Which one do you choose? Well, that can be the question of the hour because all insurance companies are different, cover different things and certainly offer up different rates. This is one of the major reasons why you should be paying attention to the car insurance advertisements that you see.
To me – a car insurance company that advertises is worth looking into. To be perfectly honest, I think that car insurance companies that advertise are not only trying to get the word out there about their service, but most of the time they list off their services, which is really good.
So next time you see a commercial for car insurance – make sure that you pay attention to it for it could be valuable!
September 8th, 2009
By far, the most anticipated time in a teenager’s life is going to be obtaining their license. While you, as the parent is probably worried sick about your kid being on the road, there are many different things that you can do in order to ensure that your child is safe behind the wheel.
One thing that you need to remember to do is lead by example. If you break the traffic laws, your child most likely will – so make sure that you keep that in mind.
Most teenagers that get into car crashes and such are only doing it because they saw their parents do it, so keep that in mind. You want to make sure that you do not break any of the traffic laws and that you are extremely careful behind the wheel. Do that, and your teenager should be extremely safe behind the wheel!
August 30th, 2009
As many of you have certainly already noticed, thus far in 2009, auto insurance premiums have gone a lot higher. This is primarily due to the continuing economic problems we are having. Unfortunately, they are not yet as high as they will likely get.
The average national cost of car insurance is about $1,796. As gas prices continue to rise as well, most believe that it will be more and more expensive to insure vehicles, especially if one does so monthly.
There are a number of other contributing factors as well. For instance, more people are driving and there are more vehicles out there than there ever have been, in spite of the high cost of gas. Thus, consumer demands for coverage are going up too. That can be a good thing, though. It leads a lot of insurers to offer competitive rates.
The rise of insurance fraud and claims for personal injury are making premiums increase as well.
August 12th, 2009
Car insurance discounts are very important questions to be asking, however that is not going to be the only question. The next question that you should be asking your car insurance company is about your comprehensive and collision coverage – do you have to have them and are they going to be worth it?
For those of you that do not know what the difference is it is simple, collision insurance is going to cover repairs to your car if you get in an accident – no matter who is at fault. Comprehensive car insurance is going to cover your car if it is vandalized, broken into, flooded out or even tree damage.
All of these things could happen but they also could truly increase your premium – a lot. You could be paying $400.00 a month just on car insurance, so is it truly worth it?
August 1st, 2009
Car insurance is confusing and trying to save money on your car insurance is very hard – unless you know the right questions to ask and that is exactly what we are going to explore in the next five blogs! The top questions that you should be asking your car insurance company before you commit to just one. The very first question should be “Am I getting all of the discounts from my car insurance company?”
What this question should do is ensure that you truly are getting all of the discounts that you car insurance company offers. If you happen to drive a hybrid car, some car insurance companies are offering up a discount for that. The safer the driver you are the more of a discount you get – that is a car insurance incentive for most companies. You could also get a discount if you park your car in your garage.
All you have to do is ask and if your car insurance company says yes and you feel that you still aren’t, switch!
July 31st, 2009
Now that you have decided exactly what you need and you understand it – the next step is going to be to slow down. You never want to be too much in a hurry when you are getting a quote. If you only spend about fifteen minutes on getting a quote, you honestly will not gain all of the knowledge that you need and to be quite frank, you truly will not have an entire sense of exactly what you car insurance quote and coverage is going to be. Spending time on your car insurance quote is worth it – trust me.
Another thing that you might want to do is make sure that you visit as many reputable insurance sites as possible. Now, I stress the importance of reputable simply because you do not want to choose a car insurance company that is not credible and that is brand new as you will have no idea if their rates are affordable and what is covered – you want to make sure that you find a good car insurance company.
Finally, make sure that you truly do have a good handle on what type of insurance quote that you are getting and what is covered – that will give you a sense of what you are paying.
July 23rd, 2009
In this blog, we have talked a lot about car insurance – we have touched base on so many things but one of the major things that we need to talk about is how you – as a consumer can get the most affordable car insurance rate online. Now, this can be difficult because most of the time – people think that they are getting the most affordable quote right off of the bat, but most of the time, they are not. That is exactly what we are going to take a look at in the next two blogs! Stay tuned!
Now – the very first thing that you need to sketch out is exactly what you need. That is not the only thing; you need to actually understand what you need first and confusion and indecision are two of the major factors as to why a person will not get the best and most affordable car insurance rate right off of the bat.
In the next blog – we will explore how slowing down is one great way to ensure that you get a really good rate quote!
July 22nd, 2009
If you are the parent or guardian of a teen driver, you know how outrageously expensive it can be to insure them. However, the good news is that there are a number of things you can do to get a good deal.
First of all, make sure your teen takes a class in driver education. He or she should be able to do so at his or her high school, most of which offer a quarter devoted to driver’s education. However, if the school does not or if you want some extra education, there are plenty of licensed driving schools to be found.
In fact, in private courses, the student will get more one on one and hand’s on education, which is extremely valuable. Plus, having your teen driver take a private course will usually allow you to get a discount from your insurance provider.
July 13th, 2009
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In this blog – it is our job to uncover everything that you will ever need to know about car insurance. Well, did you know that there are actually many different myths about car insurance that drivers believe to be true? Well, I am here to put those myths to rest and to shed some light on the truth. Keep reading along, because I promise some of the answers will surprise you.
