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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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How and where can I get the lowest car insurance quote in Columbus, Ohio?

Iris

Columbus, Ohio

Getting the lowest car insurance quote in Columbus, Ohio is relative to what you need. That means, if you need a comprehensive coverage, you cannot expect any insurance company to give you a rate which is lower than an insurance coverage that provides only liability protection.
The first consideration you need to take when looking for the lowest car insurance quote is how much protection do you actually need. If your car is the expensive kind, you may need protection against theft and vandalism. But if your car is the kind that can do without those insurance, you can settle for the minimum liability requirement in Ohio. Between these two types of coverages, sticking with liability insurance would give you the lower premium.

Once you have decided on the type of coverage in Columbus, Ohio, you can already start shopping for quotes from insurance brokers or even insurance companies. Your comparison from one company to another should be made on an apple to apple comparison to get the most of the exercise. Meaning, what type of information you have given one company should also be the same set of information you will give another company. Changes in those information will not likely to give you a good comparison basis. After getting a number of quotes from different companies, you can already choose from among them which one is the most affordable for you.

The lowest car insurance quote can be good for the budget but you need to remember that price is not everything. Please make sure that the company you are buying the coverage from has a good rating from agencies like Standard and Poor’s or A.M. Best. Good ratings could be from AAA to BB. What does those letters mean? They mean that the company’s long-term viability is good. You don’t want to buy coverage from a company that could fold up in the next couple of months, do you?

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I cant seem to find low car insurance quote online. Can you please help me where and how I can get it?

Michelle

Las Vegas, NV

Finding low car insurance quote involves finding an insurance company that will offer you good price that suits your needs. Because of the internet, it is very easy to find now an auto insurance quote but the hardest part is to find the lowest and best deal. Best auto insurance policy should be company friendly and affordable.

To find low car insurance quote you will need to make a lot of research in local markets and then compare quotes that is offered to you. Narrow your searches from five insurance companies and ask them questions you need to know.

Remember to provide the full and accurate regarding your personal information, your car information and driving history. Car insurers would like safety features in your car so do not forget to mention that as well. If the insurance company is fully satisfied they will definitely offer you the low car insurance quote.

Before purchasing car insurance it is necessary that you:

1. Look at the declaration page of your car insurance policy. that shows all the information about all the drivers in your household, model number of car, vehicle identification number and policy number. Make sure that the information are correct. Policy limits, deductibles and coverage purchased will be shown there as well. Read this part of your policy and you can decide whether you want to accept it or not.

2. The coverage part of your policy will include the limits such as medical, comprehensive and collision. Car insurance policy with strong coverage is the best auto insurance policy.

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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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Im just wondering why it takes three to four years before my car insurance provider consider giving me low cost car insurance?

Amy

New Haven, CT

Each violation such as DUI or parking tickets is assigned with a specific point value for each state. If you are convicted of any of the violations, there will be a specific point values for each violation. If you get more points, your driving record will show all these points on your driving history. Each insurance providers has their own rating system or method of assessing policyholders or applicants, therefore the points on your driving history may or may affect the car insurance rates you pay for car insurance. If you get more points or violation on your driving record, this would definitely affect on getting low cost car insurance since you will be considered a high risk driver to most insurance companies especially if you have major violation such as DUI/DWI.

Your auto insurance policy may be surcharged if you have some of these violations. Most insurance providers will look at your driving history for the past 3-5 years as this is a more accurate reflection of your violation record.

One way you could check on how your violations may affect on your getting low cost car insurance is to get as much as free car insurance quotes as you can.

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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.

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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.

Continue reading »]]> Reader’s Question:

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:

I want to know if there is a way for me to get low car insurance here in South Carolina.

Marcus

Columbia, SC

When talking about insurance, getting low car insurance is not a good idea. Insurance companies are there to help us if we get into accidents, if something gets stolen or gets broken, insurance companies help in making a large loss into a small one. Now you would not want to get cheap car insurance, because the coverage may be too small. You may get something back in return, but it would be a small amount.

Now let me give you a few tips on what you can do to so you can avail an expensive premium with more coverage but pay less. I can suggest you to try contacting a car insurance broker in South Carolina and ask for help. Car insurance brokers work under multiple car insurance companies, and help you make a decision on choosing your car insurance company. You can just tell them what it is that you need. Tell them to help you find a company that would best give you benefits and discounts which would lower down your expenses. Car insurance brokers will educate you on the important things you need to know, they will tell you the discounts that could be available for you. Some discounts that I know of are senior citizen discounts, student discounts and the good driving record discount. Just ask what requirements are needed and you will get your answer