by Bill Thomas
"It's so easy even a caveman can do it", the announcer proclaims, alluding to how easy it is to save money with their car insurance company. While the advertisement has been hugely successful, even leading to a television series, the reality is neither a caveman, talking lizards, scantily clad models or anything else will make your car insurance any cheaper. Your insurance premium is primarily based on such things as your driving record, age, gender, location, the vehicle that you're insuring, and not on what insurance company you are with. If you really want to see how easy it is to save money with any insurance company, try getting cheap auto insurance with a less than perfect driving record including such indiscretions as speeding, accidents, or the dreaded D.U.I. You'll quickly find that 'easy' is a relative term; perhaps easier than Chinese Arithmetic, but not as easy as the ubiquitous commercials would lead you to believe.
Even a caveman will find it hard to get cheap car insurance in some places. The place that I call home; referred to by many as the People's Republic of Maryland, has a 'point' system in place where you get nailed twice for the same violation. Commit a driving violation here, and you will receive a gift that keeps on giving because not only will you pay when you go to court, but you will also be rewarded with higher insurance premiums when the auto insurance company finds that you've scored some points. If you are a really high achiever and score enough points, you can even get your license revoked or suspended. The 'point' is, your driving record is the major determinant as to how much you pay. If you want to keep your car insurance low..er, avoid tickets, and if you live in Maryland, take the bus.
When it comes to car insurance, it is definitely better to be a cavewoman than a caveman. It's an established fact that all things being equal, you will pay more for auto insurance if you happened to born with the XY chromosome.The reasoning behind this is that since men have the testosterone thing going on, they are more likely to drive fast and reckless and therefore are a higher risk than the fairer sex. Having many years of experience behind the wheel, I would have to add that it's not so much whether or not you are a caveman or woman that matters, but whether or not you are a 'young' cave person. I could not begin to tell you how many times I have seen young Cro-Magnon women driving up on another cars bumper at 70 miles an hour. While this gender discrimination may seem a little Neanderthal to many of us, nobody said that life was fair; even for a caveman.
It also matters where you cave is located. When I was living out in Washington State, I paid less than half for car insurance than what I pay here in Maryland. In Baltimore, you can even pay higher rates just by living in the wrong zip code. I have a brother who lives just two miles from where I reside yet his auto insurance is much cheaper because he lives in a different zip code. You can be the safest driver on the roads but if you happen to live in the wrong area, you might just get penalized for it. Like real estate, when it comes to car insurance, location matters.
Lastly, the type of vehicle that you're insuring also plays a large part in how much you pay for auto insurance. For instance, certain vehicles are more popular with car thieves than others. According to the 'National Insurance Crime Bureau(NICB), the Honda Civic and Accord were among the most reported stolen vehicles in 2006'. 'The report also mentioned that thieves tend to target the most popular vehicles because they offer the best market for stolen vehicle parts and illegal export to other countries'. Insurance companies are aware of this as well, and most will charge a premium for the privilege of owning one of these thief happy cars.
While it may be true that you can save some money by insuring your auto with an insurance company that has a caveman as a spokesperson, the truth is that what you pay for insurance is based on numerous factors such as driving history, age, sex and location. Slick advertising aside, that should be so obvious that even a cave man can see it.
http://www.goarticles.com/cgi-bin/showa.cgi?C=690969
11/15/2007
Tips On Buying Car Insurance With Bad Credit
by M.C.
If you have bad credit, you may be finding that getting a good deal on your car insurance is not an overly easy task. In the world today, more and more people are finding themselves in serious financial trouble and bad credit is dramatically on the increase. It is restricting people’s lives and it often causes them to get into deeper financial trouble, as the cost of things such as their car insurance goes up.
Finding Good Car Insurance Deals With Bad Credit
While it may be slightly more difficult finding a good deal on your car insurance when you have bad credit, it is certainly not impossible. There are some companies that deal specifically with people who have a bad credit history and they offer special deals to suit your needs. Even if you cannot find a good deal, there are also other ways in which you can improve your situation to get a good deal.
Some of the main things that you can do to purchase good deal car insurance with bad credit include:
- Improve your credit rating - Compare different companies - Take out a bad credit loan - Purchase a cheaper car - Don’t accept any extras on a loan - Make sure you have a full time job
All of the above will really help you to get a good deal on your car insurance. The main thing that you should aim to do ideally would be to improve your credit rating. Paying off most of the debt that you have will help to improve your rating and insurance companies will be more willing to give you a better deal. You could also apply for a credit card that you could use specifically to get your credit rating up. By making small purchases and paying off the full balance at the end of the month, you will help to improve your rating. Just remember not to use the card for anything else.
Most people with bad credit have to rely on another loan to help them to purchase their car insurance. Now, while there is nothing wrong with this if you can comfortably afford the repayments, you should be extremely careful where you get the loan and what you use it for. For example, many people use the loan to get a new car before they get their car insurance. This can be a big mistake as you need to know what the insurance will be on the car that you choose. Different cars attract different insurance rates and so if you do have bad credit, it would be advisable to choose a car that has as low an insurance rate as possible.
Car insurance can be expensive and it is unfortunately something that every driver needs. The main tip for you to follow is to purchase a car only after you have researched different car insurance rates. Also try to improve your credit rating as much as possible beforehand and get as many auto insurance quotes as possible before you you’re your decision.
www.htquotes.com
If you have bad credit, you may be finding that getting a good deal on your car insurance is not an overly easy task. In the world today, more and more people are finding themselves in serious financial trouble and bad credit is dramatically on the increase. It is restricting people’s lives and it often causes them to get into deeper financial trouble, as the cost of things such as their car insurance goes up.
Finding Good Car Insurance Deals With Bad Credit
While it may be slightly more difficult finding a good deal on your car insurance when you have bad credit, it is certainly not impossible. There are some companies that deal specifically with people who have a bad credit history and they offer special deals to suit your needs. Even if you cannot find a good deal, there are also other ways in which you can improve your situation to get a good deal.
Some of the main things that you can do to purchase good deal car insurance with bad credit include:
- Improve your credit rating - Compare different companies - Take out a bad credit loan - Purchase a cheaper car - Don’t accept any extras on a loan - Make sure you have a full time job
All of the above will really help you to get a good deal on your car insurance. The main thing that you should aim to do ideally would be to improve your credit rating. Paying off most of the debt that you have will help to improve your rating and insurance companies will be more willing to give you a better deal. You could also apply for a credit card that you could use specifically to get your credit rating up. By making small purchases and paying off the full balance at the end of the month, you will help to improve your rating. Just remember not to use the card for anything else.
Most people with bad credit have to rely on another loan to help them to purchase their car insurance. Now, while there is nothing wrong with this if you can comfortably afford the repayments, you should be extremely careful where you get the loan and what you use it for. For example, many people use the loan to get a new car before they get their car insurance. This can be a big mistake as you need to know what the insurance will be on the car that you choose. Different cars attract different insurance rates and so if you do have bad credit, it would be advisable to choose a car that has as low an insurance rate as possible.
Car insurance can be expensive and it is unfortunately something that every driver needs. The main tip for you to follow is to purchase a car only after you have researched different car insurance rates. Also try to improve your credit rating as much as possible beforehand and get as many auto insurance quotes as possible before you you’re your decision.
www.htquotes.com
How to Find Cheap Car Insurance
by Jeff Kimball
With the rising costs of fuel and just about every other good or service we purchase, many of us are looking for cheap car insurance. When it comes to cheap car insurance most of us are clueless as to how to go about getting a low cost car insurance policy. There are many factors that influence your car insurance costs drastically.
For example, did you know that the type of car you drive will influence the cheap car insurance you're looking for? Or did you know that using anti theft devices will help reduce your over all car insurance costs? A good driving record will allow you to get cheap car insurance?
The deductible is the amount you pay first out of any claim for an accident. The car insurance policy's cost is directly related to your deductible. A lot of people, especially those with a good driving record, who have had their insurance policy for a long time, have never considered varying their deductible. If you have a clean driving record and are prepared for the risk of paying a larger amount in the event of a claim you can save money by increasing your deductible.
Many times you can get cheap car insurance by combining policies with you existing insurance company. For example if you have a home owners insurance policy contact them and ask for discounts for switching your car insurance to them. If you don't own a home perhaps you have renters insurance or life insurance, contact these companies about the savings you could get by switching your car insurance over to them. Most insurance companies are very accommodating to these requests.
It also pays to shop online for your cheap car insurance; many of the big companies offer a comparison of their coverage versus other companies. As you are requesting cheap car insurance quote online be sure to be completely truthful in answering the questionnaire. Additionally, you should know when you get your online quote you will need to follow up with actual paper work.
http://www.a1-cheap-car-insurance.com/
With the rising costs of fuel and just about every other good or service we purchase, many of us are looking for cheap car insurance. When it comes to cheap car insurance most of us are clueless as to how to go about getting a low cost car insurance policy. There are many factors that influence your car insurance costs drastically.
For example, did you know that the type of car you drive will influence the cheap car insurance you're looking for? Or did you know that using anti theft devices will help reduce your over all car insurance costs? A good driving record will allow you to get cheap car insurance?
The deductible is the amount you pay first out of any claim for an accident. The car insurance policy's cost is directly related to your deductible. A lot of people, especially those with a good driving record, who have had their insurance policy for a long time, have never considered varying their deductible. If you have a clean driving record and are prepared for the risk of paying a larger amount in the event of a claim you can save money by increasing your deductible.
Many times you can get cheap car insurance by combining policies with you existing insurance company. For example if you have a home owners insurance policy contact them and ask for discounts for switching your car insurance to them. If you don't own a home perhaps you have renters insurance or life insurance, contact these companies about the savings you could get by switching your car insurance over to them. Most insurance companies are very accommodating to these requests.
It also pays to shop online for your cheap car insurance; many of the big companies offer a comparison of their coverage versus other companies. As you are requesting cheap car insurance quote online be sure to be completely truthful in answering the questionnaire. Additionally, you should know when you get your online quote you will need to follow up with actual paper work.
http://www.a1-cheap-car-insurance.com/
Where to Buy Cheap Georgia Auto Insurance Online
by Brian Stevens
Car thefts and accident rates in Georgia have increased dramatically in the last few years. Consequently, auto insurance rates are at an all-time high. But you can still buy cheap Georgia auto insurance online. Here's where to get it.
Minimum Georgia Auto Insurance Requirements
The following insurance coverages are required for you to drive your car in the state of Georgia:
* Bodily injury liability coverage ($25,000 for one person, and $50,000 for all persons) to pay for judgments and legal fees when you're found liable for injuring or killing other people in an auto accident.
* Property damage liability coverage ($25,000) to repair or replace another person's car or personal property when your found liable for causing an accident.
That's all the insurance you need to get on the road. But it doesn't protect you or your car, so you may want to add the following coverages to your auto insurance policy:
Optional Insurance Coverages
* Collision coverage, which pays to repair or replace your car after it's been damaged in an accident.
* Comprehensive coverage, which pays to repair or replace your car after it's been damaged by vandalism, fire, flooding, or acts of nature.
* Medical payment coverage, which pays your and your passengers medical expenses when you're involved in an accident.
* Uninsured motorist coverage, which pays your or your passengers medical expenses, plus damage to your car or property, caused by an uninsured, underinsured, or hit-and-run driver.
Where to Get Cheap Auto Insurance With a Reliable Company
Because auto insurance rates can vary dramatically from one company to another, the way to save the most money on your auto insurance is to compare rates from different insurance companies. The easiest and fastest way to do that is to go to an insurance comparison site (see link below).
http://www.LowerRateQuotes.com
Car thefts and accident rates in Georgia have increased dramatically in the last few years. Consequently, auto insurance rates are at an all-time high. But you can still buy cheap Georgia auto insurance online. Here's where to get it.
Minimum Georgia Auto Insurance Requirements
The following insurance coverages are required for you to drive your car in the state of Georgia:
* Bodily injury liability coverage ($25,000 for one person, and $50,000 for all persons) to pay for judgments and legal fees when you're found liable for injuring or killing other people in an auto accident.
* Property damage liability coverage ($25,000) to repair or replace another person's car or personal property when your found liable for causing an accident.
That's all the insurance you need to get on the road. But it doesn't protect you or your car, so you may want to add the following coverages to your auto insurance policy:
Optional Insurance Coverages
* Collision coverage, which pays to repair or replace your car after it's been damaged in an accident.
* Comprehensive coverage, which pays to repair or replace your car after it's been damaged by vandalism, fire, flooding, or acts of nature.
* Medical payment coverage, which pays your and your passengers medical expenses when you're involved in an accident.
* Uninsured motorist coverage, which pays your or your passengers medical expenses, plus damage to your car or property, caused by an uninsured, underinsured, or hit-and-run driver.
Where to Get Cheap Auto Insurance With a Reliable Company
Because auto insurance rates can vary dramatically from one company to another, the way to save the most money on your auto insurance is to compare rates from different insurance companies. The easiest and fastest way to do that is to go to an insurance comparison site (see link below).
http://www.LowerRateQuotes.com
11/14/2007
Cheap Car Insurance - Get Online Instant Quotes With The Power of the Internet
by Tim Croy
You can be sure of not getting a car insurance cover free of charge as you do not get free lunch anywhere in the world. What you can do though is cut down on the premium which you may pay on your car insurance policy. By controlling some factors from your end, you could end up paying lesser premiums on your car insurance which further allows you to access some of the Cheap Car Insurance Quotes.
What factors result in Cheap Car Insurance Quotes?
To understand this, let us rule out some possibilities. First, the car insurance quotes are generally high for teenagers (of age under 25). These are guys who are determined to drive in a risky manner historically. The insurance companies penalize this group of drivers by asking them to pay more for their car insurance covers. Secondly, if you are a senior citizen driver (Age above 55) the car insurance premium will be high as well.
In case of accidents, the senior citizens being the drivers may not have a fast road to recovery in case they suffer from injuries. These two points bring us to two important factors which can result in you getting Cheap Car Insurance quotes.
· Get a bulky car to drive â€" It is historically proven that the bulkier and heavier cars are immune to accidents. They may be difficult to drive but have stood the test of time when it comes to accidents. If you do not wish to pay a lot for your car insurance covers, get a heavy sedan for yourself.
· Allow your wife to own the car â€" Though it is considered to be a part of male ego to own a car, there is no harm in allowing your wife to own the car. This is extremely cost effective in terms of paying for the car insurance plan as men generally are bound to pay more than woman for car insurance covers.
Teenagers can get cheap insurance quotes too, by following simple safety standards while driving and getting good grades in the school that makes them eligible for plenty of discounts which the insurance companies offer.
http://car-insurance-choices.com
You can be sure of not getting a car insurance cover free of charge as you do not get free lunch anywhere in the world. What you can do though is cut down on the premium which you may pay on your car insurance policy. By controlling some factors from your end, you could end up paying lesser premiums on your car insurance which further allows you to access some of the Cheap Car Insurance Quotes.
What factors result in Cheap Car Insurance Quotes?
To understand this, let us rule out some possibilities. First, the car insurance quotes are generally high for teenagers (of age under 25). These are guys who are determined to drive in a risky manner historically. The insurance companies penalize this group of drivers by asking them to pay more for their car insurance covers. Secondly, if you are a senior citizen driver (Age above 55) the car insurance premium will be high as well.
In case of accidents, the senior citizens being the drivers may not have a fast road to recovery in case they suffer from injuries. These two points bring us to two important factors which can result in you getting Cheap Car Insurance quotes.
· Get a bulky car to drive â€" It is historically proven that the bulkier and heavier cars are immune to accidents. They may be difficult to drive but have stood the test of time when it comes to accidents. If you do not wish to pay a lot for your car insurance covers, get a heavy sedan for yourself.
· Allow your wife to own the car â€" Though it is considered to be a part of male ego to own a car, there is no harm in allowing your wife to own the car. This is extremely cost effective in terms of paying for the car insurance plan as men generally are bound to pay more than woman for car insurance covers.
Teenagers can get cheap insurance quotes too, by following simple safety standards while driving and getting good grades in the school that makes them eligible for plenty of discounts which the insurance companies offer.
http://car-insurance-choices.com
11/13/2007
How To Get Affordable Car Insurance In Alabama
by Alexis Jensen
You really need to buy car insurance before you drive on any road in Alabama. If you don't - and you get caught - the results will be time-consuming and far more expensive than if you had just taken the time to find affordable car insurance in Alabama in the first place.
And it's not really all that difficult to do - to find affordable car insurance in Alabama, that is.
The first thing you need to do is to simply drive legally at all times. Nothing will increase how much you pay for your car insurance faster than a speeding ticket or other moving violation.
And don't even think about driving when you're intoxicated or impaired in any way. If you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated), you can forget all about getting affordable car insurance for a good long while.
If you have a garage in which you can keep your car at night make sure your agent knows as this could save you money every month.
If you can use public transportation for the bulk of your "driving" needs and keep your car in its garage most of the time, you can save a considerable amount of money through a Low-Mileage discount.
If you retire and stop driving to work and back every day your agent needs to know this as it can save you quite a chunk of change every month in insurance premiums.
If you're 55 or older your company may offer a special 10% discount if you take - and pass - a special driver's refresher course. Check with your agent to see if you qualify for this.
If you're under 25 years old then your insurance company automatically places you in a special high-risk group and you are paying more for your insurance. You can cut your costs somewhat if you stay on your parents' policy and you can save even more on top of that if you stay in school and can maintain at least a 3.0 grade point average. If you can do that you will qualify for a 5% Good Student Discount every single month.
Don't waste your money paying for comprehensive or collision coverage on a car that has no Kelly Blue Book value. If you drive a clunker cancel your collision and comprehensive and use the money you save to get a newer car.
Don't buy a new car without first checking with your agent so you know what the insurance will be. Some new cars cost a lot more to insure than others. Your agent can provide you with a list of cars that cost less to insure.
Don't make a lot of small claims. Pay the small stuff yourself and only use your insurance for a major claim. The longer you can go without filing a claim the lower your rates go. Some companies give you a break after only 6 months of claim-free driving.
How large of a deductible can you afford to pay? Be honest with yourself about this because you're going to have to come up with the deductible out of your own pocket if you ever file a claim - but just know that the larger of a deductible that you can afford to pay, the less you'll be charged for your car insurance every month.
Now take the information that you've learned from this article and use it to fill in the form on at least 3 different websites that compare prices from different insurance companies for car insurance here in Alabama.
Make sure you put the same information into the forms on all 3 websites so that your results will be useful and then simply choose the insurance company with the best price and you're golden! You've now gotten the most affordable car insurance in Alabama and you can look forward to saving money month after month for a long time to come.
You really need to buy car insurance before you drive on any road in Alabama. If you don't - and you get caught - the results will be time-consuming and far more expensive than if you had just taken the time to find affordable car insurance in Alabama in the first place.
And it's not really all that difficult to do - to find affordable car insurance in Alabama, that is.
The first thing you need to do is to simply drive legally at all times. Nothing will increase how much you pay for your car insurance faster than a speeding ticket or other moving violation.
And don't even think about driving when you're intoxicated or impaired in any way. If you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated), you can forget all about getting affordable car insurance for a good long while.
If you have a garage in which you can keep your car at night make sure your agent knows as this could save you money every month.
If you can use public transportation for the bulk of your "driving" needs and keep your car in its garage most of the time, you can save a considerable amount of money through a Low-Mileage discount.
If you retire and stop driving to work and back every day your agent needs to know this as it can save you quite a chunk of change every month in insurance premiums.
If you're 55 or older your company may offer a special 10% discount if you take - and pass - a special driver's refresher course. Check with your agent to see if you qualify for this.
If you're under 25 years old then your insurance company automatically places you in a special high-risk group and you are paying more for your insurance. You can cut your costs somewhat if you stay on your parents' policy and you can save even more on top of that if you stay in school and can maintain at least a 3.0 grade point average. If you can do that you will qualify for a 5% Good Student Discount every single month.
Don't waste your money paying for comprehensive or collision coverage on a car that has no Kelly Blue Book value. If you drive a clunker cancel your collision and comprehensive and use the money you save to get a newer car.
Don't buy a new car without first checking with your agent so you know what the insurance will be. Some new cars cost a lot more to insure than others. Your agent can provide you with a list of cars that cost less to insure.
Don't make a lot of small claims. Pay the small stuff yourself and only use your insurance for a major claim. The longer you can go without filing a claim the lower your rates go. Some companies give you a break after only 6 months of claim-free driving.
How large of a deductible can you afford to pay? Be honest with yourself about this because you're going to have to come up with the deductible out of your own pocket if you ever file a claim - but just know that the larger of a deductible that you can afford to pay, the less you'll be charged for your car insurance every month.
Now take the information that you've learned from this article and use it to fill in the form on at least 3 different websites that compare prices from different insurance companies for car insurance here in Alabama.
Make sure you put the same information into the forms on all 3 websites so that your results will be useful and then simply choose the insurance company with the best price and you're golden! You've now gotten the most affordable car insurance in Alabama and you can look forward to saving money month after month for a long time to come.
You really need to buy car insurance before you drive on any road in Alabama. If you don't - and you get caught - the results will be time-consuming and far more expensive than if you had just taken the time to find affordable car insurance in Alabama in the first place.
And it's not really all that difficult to do - to find affordable car insurance in Alabama, that is.
The first thing you need to do is to simply drive legally at all times. Nothing will increase how much you pay for your car insurance faster than a speeding ticket or other moving violation.
And don't even think about driving when you're intoxicated or impaired in any way. If you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated), you can forget all about getting affordable car insurance for a good long while.
If you have a garage in which you can keep your car at night make sure your agent knows as this could save you money every month.
If you can use public transportation for the bulk of your "driving" needs and keep your car in its garage most of the time, you can save a considerable amount of money through a Low-Mileage discount.
If you retire and stop driving to work and back every day your agent needs to know this as it can save you quite a chunk of change every month in insurance premiums.
If you're 55 or older your company may offer a special 10% discount if you take - and pass - a special driver's refresher course. Check with your agent to see if you qualify for this.
If you're under 25 years old then your insurance company automatically places you in a special high-risk group and you are paying more for your insurance. You can cut your costs somewhat if you stay on your parents' policy and you can save even more on top of that if you stay in school and can maintain at least a 3.0 grade point average. If you can do that you will qualify for a 5% Good Student Discount every single month.
Don't waste your money paying for comprehensive or collision coverage on a car that has no Kelly Blue Book value. If you drive a clunker cancel your collision and comprehensive and use the money you save to get a newer car.
Don't buy a new car without first checking with your agent so you know what the insurance will be. Some new cars cost a lot more to insure than others. Your agent can provide you with a list of cars that cost less to insure.
Don't make a lot of small claims. Pay the small stuff yourself and only use your insurance for a major claim. The longer you can go without filing a claim the lower your rates go. Some companies give you a break after only 6 months of claim-free driving.
How large of a deductible can you afford to pay? Be honest with yourself about this because you're going to have to come up with the deductible out of your own pocket if you ever file a claim - but just know that the larger of a deductible that you can afford to pay, the less you'll be charged for your car insurance every month.
Now take the information that you've learned from this article and use it to fill in the form on at least 3 different websites that compare prices from different insurance companies for car insurance here in Alabama.
Make sure you put the same information into the forms on all 3 websites so that your results will be useful and then simply choose the insurance company with the best price and you're golden! You've now gotten the most affordable car insurance in Alabama and you can look forward to saving money month after month for a long time to come.
You really need to buy car insurance before you drive on any road in Alabama. If you don't - and you get caught - the results will be time-consuming and far more expensive than if you had just taken the time to find affordable car insurance in Alabama in the first place.
And it's not really all that difficult to do - to find affordable car insurance in Alabama, that is.
The first thing you need to do is to simply drive legally at all times. Nothing will increase how much you pay for your car insurance faster than a speeding ticket or other moving violation.
And don't even think about driving when you're intoxicated or impaired in any way. If you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated), you can forget all about getting affordable car insurance for a good long while.
If you have a garage in which you can keep your car at night make sure your agent knows as this could save you money every month.
If you can use public transportation for the bulk of your "driving" needs and keep your car in its garage most of the time, you can save a considerable amount of money through a Low-Mileage discount.
If you retire and stop driving to work and back every day your agent needs to know this as it can save you quite a chunk of change every month in insurance premiums.
If you're 55 or older your company may offer a special 10% discount if you take - and pass - a special driver's refresher course. Check with your agent to see if you qualify for this.
If you're under 25 years old then your insurance company automatically places you in a special high-risk group and you are paying more for your insurance. You can cut your costs somewhat if you stay on your parents' policy and you can save even more on top of that if you stay in school and can maintain at least a 3.0 grade point average. If you can do that you will qualify for a 5% Good Student Discount every single month.
Don't waste your money paying for comprehensive or collision coverage on a car that has no Kelly Blue Book value. If you drive a clunker cancel your collision and comprehensive and use the money you save to get a newer car.
Don't buy a new car without first checking with your agent so you know what the insurance will be. Some new cars cost a lot more to insure than others. Your agent can provide you with a list of cars that cost less to insure.
Don't make a lot of small claims. Pay the small stuff yourself and only use your insurance for a major claim. The longer you can go without filing a claim the lower your rates go. Some companies give you a break after only 6 months of claim-free driving.
How large of a deductible can you afford to pay? Be honest with yourself about this because you're going to have to come up with the deductible out of your own pocket if you ever file a claim - but just know that the larger of a deductible that you can afford to pay, the less you'll be charged for your car insurance every month.
Now take the information that you've learned from this article and use it to fill in the form on at least 3 different websites that compare prices from different insurance companies for car insurance here in Alabama.
Make sure you put the same information into the forms on all 3 websites so that your results will be useful and then simply choose the insurance company with the best price and you're golden! You've now gotten the most affordable car insurance in Alabama and you can look forward to saving money month after month for a long time to come.
11/12/2007
With winter being just around the corner a cheap car insurance quote is essential
by David Thomson
Winter will be upon us before we even realise and with it come dark early nights, icy conditions, and rain, snow and high winds. With extreme weather comes a higher risk of being involved in an accident and so of course making sure that your car insurance is up to date is essential, if it is not then getting a cheap car insurance quote for your renewal is essential.
With the transition into winter occurring car insurers report every year that around the month of November there is a 13% increase in the amount of people claiming on their car insurance because the bad conditions mean more people are involved in accidents. One way to avoid this and ease the transition is to slow down and take your time, do not set off at the last minute but instead set off 15 minutes earlier. Winter brings the unexpected and you should be prepared for all eventualities. Keep checks on your car ensuring that there is enough water, oil ad the tyres are inflated and not worn and this can go a long way to keeping you safe.
While you want to safe of course car insurance is essential and obtaining a cheap car insurance quote or several quotes is also essential, the best way to make huge savings and to get the best advice possible when it comes to shaving money off the premiums for the insurance. The specialist broker will be able scour the internet and check with some of the top UK insurance companies before offering you the quotes for the cover in the shortest time possible.
Along with searching online on your behalf and helping you to secure the cheapest quotes possible for the cover the specialist will also be able to offer vital and helpful information to give you some hints and tips on how to save money yourself. Car insurance premiums can cost less if you have secured your car with the very best in car security, for example installing car alarms, immobilisers, tracking devices or having your windows etched.
When getting a cheap car insurance quote you should also consider adding breakdown cover to the policy, breakdown cover can be crucial particularly in the winter months when cars are at their most unpredictable due to the weather. Around 72% of drivers on the road have admitted to having broken down at sometime or another and 16% of these unfortunate enough to have no cover at the time of breaking down and in cold dark weather it is not a very pleasant thought if you are not covered by breakdown cover. Breakdown cover doesn't have to be expensive particularly when taken out alongside car insurance as a package, while some basic breakdown cover could be included in policies it is important to check what it actually covers. Checking out the full terms and conditions of any policy that you take out is imperative as this is where you can find what you are and are not covered for in your insurance policy.
http://www.bestdealinsurance.co.uk/forms/car/default.aspx
Winter will be upon us before we even realise and with it come dark early nights, icy conditions, and rain, snow and high winds. With extreme weather comes a higher risk of being involved in an accident and so of course making sure that your car insurance is up to date is essential, if it is not then getting a cheap car insurance quote for your renewal is essential.
With the transition into winter occurring car insurers report every year that around the month of November there is a 13% increase in the amount of people claiming on their car insurance because the bad conditions mean more people are involved in accidents. One way to avoid this and ease the transition is to slow down and take your time, do not set off at the last minute but instead set off 15 minutes earlier. Winter brings the unexpected and you should be prepared for all eventualities. Keep checks on your car ensuring that there is enough water, oil ad the tyres are inflated and not worn and this can go a long way to keeping you safe.
While you want to safe of course car insurance is essential and obtaining a cheap car insurance quote or several quotes is also essential, the best way to make huge savings and to get the best advice possible when it comes to shaving money off the premiums for the insurance. The specialist broker will be able scour the internet and check with some of the top UK insurance companies before offering you the quotes for the cover in the shortest time possible.
Along with searching online on your behalf and helping you to secure the cheapest quotes possible for the cover the specialist will also be able to offer vital and helpful information to give you some hints and tips on how to save money yourself. Car insurance premiums can cost less if you have secured your car with the very best in car security, for example installing car alarms, immobilisers, tracking devices or having your windows etched.
When getting a cheap car insurance quote you should also consider adding breakdown cover to the policy, breakdown cover can be crucial particularly in the winter months when cars are at their most unpredictable due to the weather. Around 72% of drivers on the road have admitted to having broken down at sometime or another and 16% of these unfortunate enough to have no cover at the time of breaking down and in cold dark weather it is not a very pleasant thought if you are not covered by breakdown cover. Breakdown cover doesn't have to be expensive particularly when taken out alongside car insurance as a package, while some basic breakdown cover could be included in policies it is important to check what it actually covers. Checking out the full terms and conditions of any policy that you take out is imperative as this is where you can find what you are and are not covered for in your insurance policy.
http://www.bestdealinsurance.co.uk/forms/car/default.aspx
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