Continue reading »]]> Reader’s Question:

I was told that parking my car on the street (instead of inside a garage) will make my car insurance rates bigger, is that true? What else could I be doing that’s causing me to pay higher rates?

Ariel

Atlanta, GA

Yes, it is quite possible that you’re paying more on car insurance for leaving your vehicle on the street. This exposes your vehicle to a higher chance of car theft or vandalism. Here are seven other common car insurance mistakes that most people aren’t aware of:

1. Submitting one too Many Claims – too many claims can make you look like a risk driver to your insurer, thus causing them to raise your premiums.

2. Not Understanding Your Policy – Your coverage needs change over time. The value of your vehicle, for example, diminishes over the years so you wouldn’t need to pay for as much comprehensive insurance anymore. Review your coverage periodically.

3. Allowing Their Credit to Slide – those who have excellent credit tend to be responsible drivers. If you let your credit score fall, your insurer might see this as a reason to raise your rates.

4. Not Knowing About Discounts – discounts are an easy way to get budget car insurance, so not knowing about them is a major disadvantage on your end. Ask your insurer about discounts options to see which one you’re eligible for.

5. Getting the Lowest Deductible Possible – The bigger the deductible you get, the lower your premiums become. As long as you don’t raise it too much to prevent you from filing a claim when you do need to then you should be OK.

6. Buying Only the State Minimum Coverage Requirements – When it comes to liability coverage, get as much as you can. You can easily be sued for far more money than the state minimums if you cause a car accident.

7. Not Comparing Rates – with the many car insurance comparison websites (like this one) offering free quotes, it only takes a minute to compare the cheapest rates from lots of different insurers. This maximizes your chance of getting the best deals.

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I wanna get low cost car insurance here in Florida because I think I’m paying too much for it. How do you think I can get the value that I want without paying too high?

Patrick

Jacksonville, FL

Car insurance rates are noticeably different from one insurance company to another so you could be able to save a lot of money if you take a little time to look around for low cost car insurance. We can be so much thankful to the advancement of the Internet since shopping for low cost car insurance has been a lot easier.

All you need to do is to go to a car insurance comparison webpage and answer the things that are needed. After that, you will get low cost car insurance quotes from top insurance companies. Then you could compare the insurance policies and quotes and select an insurer with the most excellent coverage and low cost car insurance.

When you are shopping for car insurance in Florida, to get the value that you want without paying too high, you may consider eliminating collision and comprehensive coverage if your vehicle is more than five years of age. But if you make a decision to buy those types of coverage, get as high deductible as you could pay. If you have higher deductible, the more chances of getting low cost car insurance. You may also want to ask for any discounts that you can be eligible to get.

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How do car insurance companies determine my rates and how can I have low car insurance here in New Jersey?

Leon

Edison, NJ

Admit it or not, you lose a big amount of money for your car insurance in New Jersey since there are little things that you don’t understand. Car insurance companies determine your insurance rates by identifying your risk level. There are some pointers that help them in doing this and that is why they ask you to fill out a form when applying for car insurance. Yet, insurance companies oppose on the qualified measure that they give to every pointer. In this difference, you can find the solution in getting low car insurance.

For example, a certain car insurance company sees every driver below the age of 25 to be of very high risk with nearly no consideration for other aspects. Conversely, one other insurance company efficiently finds out about the risk of the driver by looking at the marital status. The logic behind this is that the reason of recklessness of people below the age of 25 is not having any obligation which is a different case for married people despite their age category.

Consequently, if you are already married and below the age of 25, you get low car insurance if you with insurance company that favors married people. Even though they have both used similar aspects to calculate your insurance quotes, because of their several important score of the risk levels of every aspect, you would find out greater savings with one than the other. So keep in mind that you can have low car insurance of you purchase policy from car insurance companies that prefer your profile/category. You can find out which company favors your profile and offer you low car insurance by comparing insurance quote online.

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I need to find a low car insurance rate that can fit my budget. These are really bad times to own a car, but I can’t live without one.

Misty

Salt Lake City, UT

Most of us look into the prices before we look into everything else that’s important. We know that expensive car insurance would certainly give us more coverage than that with low car insurance rates, but because we are more aware of how much it would cost us, we tend to forget the very basic reason why we want to get our cars insured in the first place.

I found out that getting discounts from car insurance companies would be the best help you could get when it comes to money matters. In my case, the best discount I was able to get was the one given to those who have rendered service in the military. Active or retired members of the military are offered discounts ranging from 2% to a big 15%. This alone is already a big savings on my part. Senior citizens can also discounts in their car insurance policies. Normally, this discount is placed around 10%.

You can ask the insurance agent for other discounts that may be available such as occupational discounts, student discounts, multi-car discounts, or for getting car safety features and for having a good driving record. Just make sure that you don’t miss out on any applicable discount, so that you’ll end up with a lower premium but with better coverage.

Continue reading »]]> Reader’s Question:

I find my car insurance rates to be extremely high so I need to do something about it. How can I ever get low car insurance rates here in Arkansas and not pay excessively for my coverage?

Dette

North Little Rock, AR

The car insurance prices are extremely increasing over the past few years and as you said, there is something that needs to be done. Everyone who owns a motor vehicle must search for the best premiums, and by saying best, it has to be low car insurance. As you may be aware of, the car insurance premiums differ from one insurance company to another. For that reason, you need to really make a decision on the best insurer and obtain as much insurance quotes as possible from several insurers to find low car insurance.

To really get low car insurance, you need to get in touch with these insurers and ask for insurance quotes. You could do this by calling insurance companies or by working with an insurance agent in Arkansas. But the easiest way to make a contact with insurance companies to get low car insurance is to go online. By doing this, you get to compare insurance quotes given by different insurance companies in a very short period. If you opt to get in touch with these insurers by going online, you would discover that you can get insurance quotes within a few hours of submitting the necessary information about you and your vehicle. Because of comparing insurance quotes, you would find it very easy to get low car insurance.

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By how much will my car insurance premiums increase if I get a traffic violation?

Gerry

Cleveland, OH

Hey Gerry! Whether if your premiums will increase or not will depend on certain factors regarding your traffic violation. If your violation caused an accident, it is likely that your car insurance will increase. Not only that. Traffic violations may cause your driving license to be suspended and revoked, you have to pay your attorney’s bills; or, the worst case scenario, you ending up in jail.

Traffic violations such as getting a ticket for damaging other vehicles, a speeding violation which resulted in an accident, running or beating a red light, careless and improper driving, and an attempt to overtake a school bus that has stopped will increase your car insurance premiums. Fortunately, there is still a way to make sure you’ll get a low car insurance premium after a traffic violation such as enrolling in a car driving safety course, keeping your driving record spotless and always being a safe driver on the road.

As for the specific answer in your question, different states vary in laws and guidelines for different traffic offenses which car insurance companies follow to know how much your car insurance premiums will increase after committing a traffic certain offense. Hope my answer helped you in any way.

Tags: Cheap Car Insurance, Low Car Insurance Rate, Low Car Insurance

Continue reading »]]> Reader’s Question:

What do I have to do in order to get low car insurance rates?

Jim

Virginia Beach, VA

Although Virginia only ranks 33 among the states that have paid the highest premiums in the year 2006, always looking for ways to lower our car insurance premiums is definitely one way of assuring that we are in total control of our finances.

To save on your car insurance, always keep your driving record free of any traffic violation. This is because individuals who have spotless records are rewarded with considerable discounts on their rates. Avoiding accidents is another way of assuring that your premiums do not increase. By doing so, you do the insurer a favor by not filing claims. If ever you get into one, though, try shouldering the expenses without having to file for benefit claims against your insurer. This way, you avoid getting demerit points on your insurance record, which is one basis used by companies in raising your premiums. Getting higher deductibles have helped a lot of other consumers, as well, as this step effectively lowered their rates. If you can set up a carpool among your family or colleagues, then do so, as it will qualify you for low mileage discounts. And to make sure that what you have is low car insurance, obtain quotes from several car insurance providers in your area. This way, you are aware of the going rates, so as not be ripped off of your hard-earned money.