Posts filed under 'Car Insurance'
We all know that car insurance prices seem to be going up and up and up – and really, there is a ton of different ways that you can save some cash on your car insurance and choosing the right car to buy is one of them. For example, all of those fantastic SUVs out there right now – they actually could cost you more money in the end because of the car insurance premiums that will be attached onto them.
Insurance premiums are definitely something that has a lot of different factors that make them up. For example, your age, gender, state, town, driving record and the car itself all make up exactly what the car insurance premium is going to be. Having an SUV could actually tack on quite a bit of money in the end because the premiums are so much more expensive.
In the next blog, we are going to look at this in detail and make sure that you understand exactly what you may be getting yourself into when you purchase an SUV!
October 30th, 2009
Now that we have reviewed one company, let’s go ahead and talk about Unitrin Direct Insurance Company. This is actually a company that has been in business for quite some time now and has over six million customers. What that means, is that constantly, this company is growing and changing an the customer base is growing and changing – which is a good thing.
The great thing about Unitrin Direct Insurance Company is that they actually change up their systems and discounts a whole lot, which is something that I love. Currently, they are actually take advantage of the technology that we have in order to improve their customer service experience, which is a great idea.
Their customer service satisfaction is at 96% right now and for having six million customers, that is very impressive!
October 23rd, 2009
Are you ready for some more tips? Here we go!
4. You have to keep a close watch on your credit report as well as your credit history. Car insurance companies use these as tools to determine your rates, so you want to make sure there is no false information on yours.
5. Buying a car with a low profile can save you money as well. High performance cars, sports cars, flashy cars, et cetera, are red flags to car insurance companies and they may cost more to insure.
6. Driving safely is definitely important; if there are no violations or accidents on your driving record, you can get a lower rate.
7. Keeping your car in a garage can save you money as well. You are taking safety methods into your own hands, and car insurance companies love that. For the same reason, you can install safety devices and anti theft devices and save as well.
October 15th, 2009
We can all use some helpful, money saving car insurance tips — and you are going to get quite a few of them in the next few posts, beginning with:
1. Did you know that you can get a discount on car insurance if you drive less? By driving no more than seventy five hundred miles each year, you might be able to get a low mileage discount. You can also get a discount from some companies if you rely on public transportation during the work week.
2. You can save by not driving or using your car for business. You may have to pay more if you do use it this way, in fact. If you have to, you need to tell the agent for your business’s car insurance; that way, your business travel can be covered.
3. By paying more for your deductible, you can actually reduce the amount you pay on your annual premium — by as much as fifteen percent!
October 12th, 2009
Now that we have talked about two myths about car insurance, let’s go ahead and discuss a few more! The first being that no fault insurance actually means that it is not your fault; for new drivers, this is usually what they think. No, that is not what it means; it actually means that your car insurance company will pay for the damages regardless of who’s at fault.
Next, your car insurance rate is not set by the government. Many – many people believe that this statement is the truth and to be quite frank, it isn’t. Your state’s insurance department only regulates the rates that the car insurance companies are allowed to charge, but as far as your premium – it is based off of your marital status, gender, age, where you live and your driver record.
That’s all for the myths that we have now! If you come across any more or have questions, I’d be happy to clear anything up for you!
September 29th, 2009
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
Understanding is essential. Rather than simply being told that you have got to have car insurance, it is vital that we understand exactly why that is.
Well, for one thing, as briefly mentioned, authorities are now taking it far, far more seriously when a registered driver does not have insurance on his or her vehicle. For example, in the UK, the DLVA intends to start comparing all registered vehicles with names in the Motor Insurers Database. Uninsured drivers will first receive a reminder; if they fail to obtain insurance after that, they will face hefty fines.
Besides that, uninsured drivers make things more expensive for drivers who do have the proper coverage on their vehicles. They actually play an active role in driving up the cost of insurance premiums. In other words, a few bad apples are definitely ruining the bunch.
September 17th, 2009
Going uninsured can be hazardous to your health, to the health of other drivers — and to your bank account as well.
We all hear that all the time, right? Hearing it is one thing; understanding why is something else altogether.
However, right now, all over the world — in the United Kingdom, England especially, in Canada, the United States, and goodness knows how many other places — authorities are cracking down on registered drivers who are driving uninsured vehicles.
In the United States, you cannot get a driver’s license if you do not have insurance. However, just because you have insurance at the time does not mean you will keep it.
In one way, it is understandable: the economy is still rather shot, premiums are going up, and a lot of drivers undoubtedly feel like they can afford to go uninsured.
But the consequences to that can be dire, in any number of ways.
September 15th, 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
UM and UIM coverage encompasses another question you need to ask when you are buying car insurance. UM stands for “uninsured motorist” and UIM stands for “underinsured motorist.”
Specifically, when you are looking for a new policy, you have got to ask if it will cover these drivers. UM and UIM coverages are so important. Some states require it, some states do not, but it is still a good idea to have it.
Remember, an increasing number of drivers are either uninsured or do not have enough insurance. This will make sure that your car — and any repairs — are always covered if you get into an accident with an under- or uninsured motorist. Many people are not able to afford collision insurance themselves, so you may need to take matters into your own hands.
August 13th, 2009
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