Auto Insurance For Your KidsBy Glenn Lamb
Auto insurance can be very expensive for young drivers. Parents are often worried (with good reason) when a young adult reaches driving age. Here are some things that can help manage the risk and cost.
My opinion is that a young driver should generally not be given a car and insurance without cost or obligation. If the young adult has to work or make a significant household contribution they may have more respect for the privilege being granted. It could also be helpful to have a written agreement about your rules for granting driving privileges. In most states a parent can withdraw permission for the young adult’s driver’s license. This should be considered if the young driver shows recklessness. Many insurance companies have a young driver’s safety program. Your agent may have information on this. Your insurance agent may also be willing to consult with the new driver about how the family’s policy will be affected by an accident or ticket for the new driver. To help keep costs down it is very important for the new driver to avoid tickets or accidents. A couple tickets or accidents could result in the entire family's auto policy costs to be extremely high!
The largest factor to holding down a young drivers insurance cost is to have liability insurance only on the new driver’s vehicle. That would only be advisable if the cash value of the young persons vehicle is low and you can afford the cost of losing it. The type of vehicle driven can also make a significant difference. (In general the type of car the young adult doesn’t want will have the lowest insurance cost, for example a station wagon vs. a high performance sports car.) Most insurance companies give a discount if the new driver completes an approved safety course. There may also be a good student discount. Check with your insurance agent about available young driver discounts. If the rate for adding the new driver doesn’t seem reasonable you may want to shop rates from different companies. One item that you should not skimp on is the amount of liability coverage. THE STATE MINIMUM IS NOT ENOUGH PROTECTION! Consult with your agent and be sure you and the new driver have enough coverage.
Lamb Insurance Agency, Auto, Home, Life, and Business Insurance for Texas - http://Insurance-For-Texas.com/ Houston Auto Insurance - http://houston-auto-insurance.com/ Houston Life Insurance - http://life-insurance-houston.com/
Article Source: http://EzineArticles.com/?expert=Glenn_Lamb
Tuesday, December 26, 2006
Saturday, December 16, 2006
Getting Auto Insurance Quotes Online - Keeping Your Rates Affordable
Getting Auto Insurance Quotes Online - Keeping Your Rates AffordableBy Michael Benifez
I am willing to bet you are among the millions of Americans who do not enjoy purchasing insurance, and auto insurance is no exception to the rule.
However, if you own a car and plan on driving it you have no choice, it's against the law to drive an uninsured vehicle. Having auto insurance means you not only must pay costly monthly premiums but, if you ever get in an accident, you also must pay a sometimes hefty deductible as well. According to statistics, the average person is involved in an auto accident of some kind about once every seven years, so there is a good chance this will include you, if it has not already.
While a number of factors influence how much you pay for your auto insurance such as where you live, gender, driving history and credit score, fortunately there are ways you can cut costs. The fact that auto insurance companies are all vying for your business puts you at a great advantage in terms of shopping around for good insurance deals. Competition does wonders when it comes to bringing the price down on just about anything in this country; after all. It's the American way!
Not only can you save money on car insurance, but the whole purchasing process is now simpler than ever before and you can save yourself loads of time and some cash. With a mouse clicks you can comparison shop on the internet and apply online for the best deal, right from the convenience of your home.
So if you suspect you may be paying too much for car insurance or just not sure, get online now and find out. It only takes a few minutes and you stand to save hundreds of dollars a year. Just do a search on your favorite search engine (mine is google) for auto insurance. Within seconds you will have links to sites allowing you to compare rates from different insurance companies. In addition to finding out how much you can save, you will be able to see at a glance what the minimum coverage is, on a state-by-state basis, and learn about any other car insurance information you may need to know.
Recently, my wife showed me that our auto insurance company raised our rates. We went online, did a quick search, found a better deal and applied for it right there online. Keep in mind, if you ever have an accident and your insurance company treats you like you do not exist, raises your premiums or tries to avoid paying you what they should. Check your auto insurance options. You have plenty of choices nowadays and it makes sense to take advantage of those insurance options.
Michael Benifez covers finance topics for www.LifeinPalmCoast.com, discussing the world of mortgage loans, refinancing and insurance in Palm Coast, Florida and Flagler county. His latest article on auto insurance Palm Coast covers auto rate options.
Article Source: http://EzineArticles.com/?expert=Michael_Benifez
I am willing to bet you are among the millions of Americans who do not enjoy purchasing insurance, and auto insurance is no exception to the rule.
However, if you own a car and plan on driving it you have no choice, it's against the law to drive an uninsured vehicle. Having auto insurance means you not only must pay costly monthly premiums but, if you ever get in an accident, you also must pay a sometimes hefty deductible as well. According to statistics, the average person is involved in an auto accident of some kind about once every seven years, so there is a good chance this will include you, if it has not already.
While a number of factors influence how much you pay for your auto insurance such as where you live, gender, driving history and credit score, fortunately there are ways you can cut costs. The fact that auto insurance companies are all vying for your business puts you at a great advantage in terms of shopping around for good insurance deals. Competition does wonders when it comes to bringing the price down on just about anything in this country; after all. It's the American way!
Not only can you save money on car insurance, but the whole purchasing process is now simpler than ever before and you can save yourself loads of time and some cash. With a mouse clicks you can comparison shop on the internet and apply online for the best deal, right from the convenience of your home.
So if you suspect you may be paying too much for car insurance or just not sure, get online now and find out. It only takes a few minutes and you stand to save hundreds of dollars a year. Just do a search on your favorite search engine (mine is google) for auto insurance. Within seconds you will have links to sites allowing you to compare rates from different insurance companies. In addition to finding out how much you can save, you will be able to see at a glance what the minimum coverage is, on a state-by-state basis, and learn about any other car insurance information you may need to know.
Recently, my wife showed me that our auto insurance company raised our rates. We went online, did a quick search, found a better deal and applied for it right there online. Keep in mind, if you ever have an accident and your insurance company treats you like you do not exist, raises your premiums or tries to avoid paying you what they should. Check your auto insurance options. You have plenty of choices nowadays and it makes sense to take advantage of those insurance options.
Michael Benifez covers finance topics for www.LifeinPalmCoast.com, discussing the world of mortgage loans, refinancing and insurance in Palm Coast, Florida and Flagler county. His latest article on auto insurance Palm Coast covers auto rate options.
Article Source: http://EzineArticles.com/?expert=Michael_Benifez
Cheap Insurance for a New Car
Cheap Insurance for a New CarBy Elizabeth Newberry
If you’re hoping to get cheap insurance for a new car, you need to take the following into consideration before you actually purchase the car.
Find out if your car is one that is often stolen. Many companies provide reports each year listing the “Top Most Stolen Vehicles” of that year. Regardless of how much you love that four-wheel drive beauty you have your eye on, if it’s on the list, it’s a risk. And if it’s a risk, you’re less likely to get cheap insurance for it.
Check out the safety features of the car. This means both inside and out, as well as for you, your passengers, and pedestrians. Inquire about the air bags and how effective they really are. Look at safety belts, and if you have children, make sure the car is equipped for child safety seats. You may also want to purchase a car that has child safety locks. Is the car top heavy and more likely to turn over on sharp curves? How does the car rate when it comes to front, rear, and side impact collisions? If your car proves safe for everyone in and around it, you’re more likely to get cheap insurance for it.
Plan prior to the purchase. Know exactly where you’re going to store the car. Do you live in the suburbs and have your own garage with a lockable door? Or is your only option to park the car on the side of the street? If you live in an apartment complex that rents or sells parking spaces, fork over the extra cash. If an insurance company knows your car is more likely to be safe when not in use, you’re that much closer to cheap insurance for your new car.
There are many factors considered when seeking cheap insurance for a new car; some are uncontrollable like your age. Those that can be controlled, however, should be.
To get free quotes and learn more about insurance please visit the following recommended sites.
Cheap Insurance for a New CarHome Owner Insurance Quote Rhode IslandFree Health Insurance Quotes Pennsylvania
Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry
If you’re hoping to get cheap insurance for a new car, you need to take the following into consideration before you actually purchase the car.
Find out if your car is one that is often stolen. Many companies provide reports each year listing the “Top Most Stolen Vehicles” of that year. Regardless of how much you love that four-wheel drive beauty you have your eye on, if it’s on the list, it’s a risk. And if it’s a risk, you’re less likely to get cheap insurance for it.
Check out the safety features of the car. This means both inside and out, as well as for you, your passengers, and pedestrians. Inquire about the air bags and how effective they really are. Look at safety belts, and if you have children, make sure the car is equipped for child safety seats. You may also want to purchase a car that has child safety locks. Is the car top heavy and more likely to turn over on sharp curves? How does the car rate when it comes to front, rear, and side impact collisions? If your car proves safe for everyone in and around it, you’re more likely to get cheap insurance for it.
Plan prior to the purchase. Know exactly where you’re going to store the car. Do you live in the suburbs and have your own garage with a lockable door? Or is your only option to park the car on the side of the street? If you live in an apartment complex that rents or sells parking spaces, fork over the extra cash. If an insurance company knows your car is more likely to be safe when not in use, you’re that much closer to cheap insurance for your new car.
There are many factors considered when seeking cheap insurance for a new car; some are uncontrollable like your age. Those that can be controlled, however, should be.
To get free quotes and learn more about insurance please visit the following recommended sites.
Cheap Insurance for a New CarHome Owner Insurance Quote Rhode IslandFree Health Insurance Quotes Pennsylvania
Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry
Why Do Auto Insurance Rates Change?
Why Do Auto Insurance Rates Change?
By Tim Gorman
Car insurance costs can be very strange things. You are likely to get one quote from an insurance company and an acquaintance may get a completely diverse insurance quote. There can be lots of reasons that would make the policy rate, or cost, of the insurance policy to vary from individual to individual, location to location and even insurance company to insurance company. That is the reason it is highly advisable for anyone needing car insurance, with the expectation of getting the most for their money, to evaluate information from more than a few insurance companies prior to settling on a particular choice. Pointless to say, looking at various companies and comparing insurance policy cost is just sharp shopping.
Although changes in insurance rates might seem whimsical, premiums increase and they decrease for various auto related situations. They can increase every time there is extra danger implicated as reflected in the insurance policy itself. The more hazard you are, the greater the rate the company will want for insuring you.
For example, if a driver has been cited for more than a few traffic violations, their insurance costs will probably escalate. That driver is considered an extra menace now. If the driver is immature and green, their threat to the insurance company has increased; consequently, it will charge them additional rates than it will charge others having additional driving know-how.
Car insurance policies are also fixed by the insurance company. Various insurance companies will allow preferential treatment to individuals who have secured several insurance policies with the insurer. Other companies will allow reduced premiums to folks who have good students. There are outstanding premiums for policy holders who maintain good credit ratings too.
In addition to these considerations, there are still numerous other determiners that influence the premiums that an insurance company will offer you. This can be simply the rates that the insurance company normally charges. It’s a fact - a few offer lesser rates than other companies.
No doubt, you shop around and do comparisons for many things in your life. So, shopping for the best available premiums for your automobile insurance coverage is a wise move. Interestingly enough, you will probably find that some companies will present a considerably lesser rate for the same insurance than others for no truly apparent cause. Just make the time to evaluate and save money on auto insurance.
For more information on ways to save money on your auto insurance with free online auto insurance quotes try visiting http://www.topautoinsuranceproviders.comwhere you will find a variety of car insurance tips, information and resources to include advice on finding cheap auto insurance.
Article Source: http://EzineArticles.com/?expert=Tim_Gorman
Buying Car Insurance Online
Buying Car Insurance OnlineBy Martin Costelo
Have you heard about a brand new mall and it’s just for car insurance? Sounds outlandish, but in fact that is exactly what the internet is for insurance shoppers all over the world. Better yet, this method of shopping saves money for the agents, underwriters and you especially! Searching for an instant car insurance quote online may seem like the perfect way to search for many of us. When it comes to choosing car insurance, it doesn’t always matter the age of an individual, there are many ways that you could save money when purchasing a policy online no matter what the circumstances.
Shopping around is essential in finding cheap car insurance no matter how you choose to search, but it is especially important when searching for cheap car insurance online. When shopping around for cheap car insurance online, make sure your search is a thorough one. However, shopping online for products such as music, software, or clothes is a radical world of difference from shopping for car insurance online.
Essentially you first need to analyze your fundamental needs for car insurance. It helps to know the minimum required, but many sites will offer that information up for you as well, so it isn’t difficult to find out. You do need to know how much and what type of coverage you need, you can then look at other online car insurance companies to do some comparison shopping. Many insurance companies that do business solely online charge much more for car insurance than those you do business with in person; however, at the same time, there are so many car insurance companies online that they must compete with each other in order to obtain customers, and one way they compete is by matching or offering lower prices. A simple Internet search will lead you in the right direction if you’re looking for companies that will give you online car insurance quotes.
Get googling, and you will find many companies offering online car insurance – many of them fighting for top organic and paid search positions. So you know they want you at their (online) store first! You can request for a car insurance quote online from most sites, but keep an eye out discounts provided by auto insurance companies which should be clearly visible on their sites. While requesting for car insurance quote online provide all your details to the auto insurance company such as your name, age, address, your marital status, car’s annual commuting miles and safety features of your car. Certain features like high density impact bumpers, side-impact airbags, and rear-cams may help reduce your premium, but you need to mention them.
There are also some middleman sites that collect quotes from many insurance companies that may pay them for referring your business. This type of search for car insurance online saves time and money—you just fill in your details, get a quote, do a comparison between quotes from different providers, choose the most beneficial one, fill the application, save it, pay the premium and in some states even print out the insurance card yourself. Insurance is often a tedious thing that nobody really looks forward to, so this can make it as painless as possible. Because it’s so much easier, a lot of people feel more comfortable buying car insurance online, in a click-and-point process that doesn’t involve sitting through ten minutes of automated questions and answers.
After all this, if you still choose to buy insurance in person, you can use this research as a tool for getting true value for your premium agreement. You'll have a clear understanding of why researching and buying car insurance online has increased in popularity with many drivers over the past few years and you can use that to your negotiating advantage.
The great thing about looking for car insurance online is that very often just getting your car insurance online will gain you a discount. The system is fine-tuned to the extent that you can shop online for car insurance that is tailored to suit your financial needs. But probably the biggest advantage is in the fact that it is now easy to find a car insurance company that is focused on meeting your exact needs.
Thousands of drivers just like you have taken advantage of the Internet to find car insurance that provide the necessary protection at the most affordable price. Insurance is a price sensitive product to be sure and car insurance online quotes are a good way of comparing prices, but you need to know a little more about insurance other than just the price.
Martin Costelo writes articles and reports for internet websites. This articles was written for http://www.pay-less-car-insurance.com
Article Source: http://EzineArticles.com/?expert=Martin_Costelo
Have you heard about a brand new mall and it’s just for car insurance? Sounds outlandish, but in fact that is exactly what the internet is for insurance shoppers all over the world. Better yet, this method of shopping saves money for the agents, underwriters and you especially! Searching for an instant car insurance quote online may seem like the perfect way to search for many of us. When it comes to choosing car insurance, it doesn’t always matter the age of an individual, there are many ways that you could save money when purchasing a policy online no matter what the circumstances.
Shopping around is essential in finding cheap car insurance no matter how you choose to search, but it is especially important when searching for cheap car insurance online. When shopping around for cheap car insurance online, make sure your search is a thorough one. However, shopping online for products such as music, software, or clothes is a radical world of difference from shopping for car insurance online.
Essentially you first need to analyze your fundamental needs for car insurance. It helps to know the minimum required, but many sites will offer that information up for you as well, so it isn’t difficult to find out. You do need to know how much and what type of coverage you need, you can then look at other online car insurance companies to do some comparison shopping. Many insurance companies that do business solely online charge much more for car insurance than those you do business with in person; however, at the same time, there are so many car insurance companies online that they must compete with each other in order to obtain customers, and one way they compete is by matching or offering lower prices. A simple Internet search will lead you in the right direction if you’re looking for companies that will give you online car insurance quotes.
Get googling, and you will find many companies offering online car insurance – many of them fighting for top organic and paid search positions. So you know they want you at their (online) store first! You can request for a car insurance quote online from most sites, but keep an eye out discounts provided by auto insurance companies which should be clearly visible on their sites. While requesting for car insurance quote online provide all your details to the auto insurance company such as your name, age, address, your marital status, car’s annual commuting miles and safety features of your car. Certain features like high density impact bumpers, side-impact airbags, and rear-cams may help reduce your premium, but you need to mention them.
There are also some middleman sites that collect quotes from many insurance companies that may pay them for referring your business. This type of search for car insurance online saves time and money—you just fill in your details, get a quote, do a comparison between quotes from different providers, choose the most beneficial one, fill the application, save it, pay the premium and in some states even print out the insurance card yourself. Insurance is often a tedious thing that nobody really looks forward to, so this can make it as painless as possible. Because it’s so much easier, a lot of people feel more comfortable buying car insurance online, in a click-and-point process that doesn’t involve sitting through ten minutes of automated questions and answers.
After all this, if you still choose to buy insurance in person, you can use this research as a tool for getting true value for your premium agreement. You'll have a clear understanding of why researching and buying car insurance online has increased in popularity with many drivers over the past few years and you can use that to your negotiating advantage.
The great thing about looking for car insurance online is that very often just getting your car insurance online will gain you a discount. The system is fine-tuned to the extent that you can shop online for car insurance that is tailored to suit your financial needs. But probably the biggest advantage is in the fact that it is now easy to find a car insurance company that is focused on meeting your exact needs.
Thousands of drivers just like you have taken advantage of the Internet to find car insurance that provide the necessary protection at the most affordable price. Insurance is a price sensitive product to be sure and car insurance online quotes are a good way of comparing prices, but you need to know a little more about insurance other than just the price.
Martin Costelo writes articles and reports for internet websites. This articles was written for http://www.pay-less-car-insurance.com
Article Source: http://EzineArticles.com/?expert=Martin_Costelo
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