Archive for the 'Cheap Auto Insurance' Category

Choosing an Auto Insurance Deductible

An auto insurance deductible is the amount of money that an insured individual agrees to pay out of his or her pocket when filing an insurance claim. For example, a policy with a $250.00 deductible would mean that if a claim for $1000.00 were filed, the insured would pay $250.00 and the insurance company would pay the $750.00 balance. Most insurance companies offer deductibles ranging from $200.00-$2500.00. When choosing a deductible consumers need to consider price, automobile, and driving conditions.

When choosing a deductible level, premium amounts should be considered. A lower deductible amount equals a higher premium. Individuals who are on a limited budget may have to choose a higher deductible in order to afford their insurance premiums.

Although price is important, it is not the only factor in choosing a deductible. Drivers should carefully review the automobile they are insuring. By researching the vehicle, consumers can learn the average cost of repairing damage in an accident. Determining the cost associated with repairing front, rear, and side collision damage will give consumers an idea of what it will cost if their car is involved in an accident. Drivers that own cars that are more expensive to repair may choose a lower deductible. In cases where an automobile is older, it may not be worth carrying full coverage. Because, an insurance company will not invest more money to fix a car than it is worth, older automobiles are often times better candidates for liability insurance only.

Driving patterns are an important factor to be considered when choosing a deductible level. There are several conditions that increase the chances of an accident occuring. Living in an area that regularly experiences inclement weather such as ice and heavy snowfall may make accidents more common. Also those that live in dangerous terrain, such as mountains, are more likely to be in accidents as well as those that regularly drive in extremely heavy traffic. It may be a wise choice to choose a lower deductible if the odds of an accident are higher.

Choosing the right deductible should be a well thought out process. If individuals review their budgets, research their automobile, and study their driving patterns they will be able to make an educated decision that will be financially beneficial to them.

Involved in an accident and DUI Texas

Accidents are now commonplace among every one of us. A big percentage encounters this misfortune every so often that has called the attention of the government in strictly implementing rules to counter accidents. Most accidents happen on the roads. This is all the more triggered by drivers heavily or even lightly intoxicated with alcohol.

The legal limit of blood alcohol concentration in all of Northern America is 0.08%. Despite this fact, there are still a lot who indulge in heavy drinking not realizing that it would only take a few seconds for the alcohol in our bloodstream to impair our judgment. This would result into a disastrous road mishap a few minutes later. Even those who had only a bottle of beer or only a glass of wine before heading out are not spared from the possibility of bloody accidents.

When you get caught Driving Under the Influence or Driving While Influenced by alcohol or commonly tagged as DUI/DWI, you are in for a serious driving violation which could drag you into financial and legal consequences.

When you have been drinking within Texas borders, even if the alcohol content in your blood won’t reach 0.08%, chances are, you will still be pulled over by a Texan police officer to execute liquor tests on you ensuring the safety of other people on the road and yours.

A series of tests will be done to you like the field sobriety DUI test, horizontal eye test by an officer for drinking and driving, walk and turn DUI test, and the one-leg stand drinking and driving test. These are generally physical tests to know how far have your stupor engulfed your body and balance system. After such physical tests comes the Breathalyzer test, where you are requested to breathe into the Breathalyzer tool, and it automatically computes your blood and alcohol level. When you fail in all tests, you will be read your rights, arrested and detained in jail until such time that somebody will bail you out.

Punishments for being given a DUI ticket will be dependent on the severity of any damage that resulted to such incident and the number of similar offenses you have made as well. However, the following will be included in your sentence:

The first time offender in Texas is required to pay the fine of $2,000 while repeaters pay $4,000.

Your license to drive will be revoked for a total of a year when you are a first time offender.

This incident will signal your insurance provider to increase your premium.

First time offenders will be subjected to a 12-hour DUI education course while repeat offenders on parole are required to complete a 30-day rehabilitation program.

You are required to perform community service of not more than 50 hours.

You are also required to purchase a Breathalyzer interlock device to be placed on your car that is programmed to let you breathe into it every time you go out to drive. Failure to this test would mean locking the ignition and not letting you drive for a period of 24 hours.

With these punishments ready at hand, you should now be able to foster a responsible attitude in driving.

Classic Cars Auto Insurance

Do you like to collect classic cars? A 69’ fully restored Chevy camero? A mustang? For some people, it’s their hobby, though it can be a very expensive one. A classic car can’t have just any old insurance on it; it needs a certain type of insurance that will protect your vintage car.

First thing you must do in order to protect that shiny baby is to call your insurance company and inquire about their classic car insurance policy. However, if your company doesn’t specialize in that type of insurance you need to ask them to recommend a company that will. The company that provides the specialized policy will help you determine exactly how much coverage you will need to keep your prize possession safe. The main reason it’s better to use an insurance company that provides a specialized policy is because that this type of insurance has many different plans regarding mileage.

Basically, it means the plan you choose all depends on how many miles you’ll drive the car in a year’s time. Most plans include rates for one thousand, three thousand, or even five thousand miles. This also includes the mileage used to showcase your car. In addition, vintage car insurance will insurance all kinds of classic cars which is very helpful because most collectors have a wide variety of vintage cars. Also, to help you decide if this kind of insurance is for you take a look at your cars and if any of them fall under the category of antiques, race autos, street rods, or replicas of vintages, you most definitely need the classic cars auto mobile insurance.

When comparing insurance companies you also need to consider what the actual market value of your prized. The value of a vintage car changes frequently so the insurance policy you have on the car should match the car’s value. For example a vintage 67’ car may have cost $35,000 a few years back, but once it’s fully restored it can be worth at least $200,000 or more at an auction; which is why you need to make sure that the car insurance policy reflects your car’s worth.

If something happens to your prize possession you want to be paid actual value for the car and not what you paid for it before you restored it. In addition, you should make sure that your classic car insurance policy covers any damage that may occur to your car while you’re showing it at a car show. So at the end of the day, traditional policies may be great at helping you get your daily car covered and back on the road if something were to happen to it. But on the other hand, they’re not always best at helping to assist you in protecting your car in some of the unique issues that may arise when parts are impossible to find or the vehicle represents a substantial financial investment. Lastly, if you want to keep you fully restored car safe and in mint condition, classic cars insurance is for you!!!

Cheapest auto insurance companies

“Cheapest auto insurance companies” – That is probably the most searched keyword when insurance comes into the scene. Well, we are living in the 21st century, where the high income and high expenditure is the stereotype. So ultimately people will realize that saving cash is an important aspect to survive in this cruel world and hence people resort to cutting down costs on various things, insurance being one of them. People would want to insure their valuable assets, but not at the cost of emptying their bank account! People talk about cheap auto insurance, which varies with person to person or area to area! The entire idea is subjective and you cannot have a definite solution or a company’s name that provides the cheapest auto insurance.

So what can we do? Well, research is the key requirement here. In the US, there are hell loads of insurance companies that provide auto insurance, but you need to sort out what kind of coverage you are looking for and sort out your requirements. Depending on those, you will have to pay the estimated premium which can be considerably cheaper when you insure your car from a company that offers flexibility on the type of coverage you would like. What is a quote? A quote is an estimated premium amount for the type of coverage you desire. So hence you should go with the insurance company that provides insurance with your desired quote and desired coverage.

The premium on a type of coverage varies depending on the Insurance Company and this hence calls for heavy research or you could get an agent to do this work for you at a minimal fee as he is more experienced in this matter. There are many online cheap auto insurance comparing sites to which you can resort to. Our website can help you to find the cheapest auto insurance companies. All you have to do is enter the details of your car and coverage required and you are set to get your insurance done in the cheapest way possible.

However, there are a lot of other factors that you should seriously take into consideration than just the cheapness of the price. For example, if you buy an insurance that covers damage costs only for the others and not entirely yours because you wanted to keep your premium to the lowest, you are making the biggest mistake of your life as you would regret it later if you unfortunately get into an accident and find a bill the size of the your car. So before you find and buy insurance form the cheapest auto insurance companies, make sure that the insurance quote is for you and suits all your needs.

2011 Auto Insurance Rates – Most Expensive Cars

Research conducted just recently, published online, reveals which vehicles would be the most costly to insure this year. Naturally, the high-priced powerful vehicles are at the top of the list. Whether or not you might be a great driver, with many years of driving experience and a clean driving record, acquiring Mercedes SL65 AMG will mean you have to pay over $3,500 annually in insurance premiums.

It is actually worth identifying that 8 out of the first 14 cars in that list are Mercedes – S65 AMG, CL600, G55 AMG, SL65 AMG, SL63 AMG, CL65 AMG, CL63 AMG, SL550. 2 models of each manufacture Auston Martin, BMW and Porsche make up the rest.

Needless to say, if the SL65′s $198,750 recommended retail price is within reach, perhaps you do not worry very much about saving cash on car insurance rates. However , when you are a normal motorist, your car insurance costs should really be a consideration when looking for a motor vehicle. In the end, why look for the best bargain on a car only to discover it has excessively high insurance costs?

A vehicle’s premiums for collision and comprehensive coverage are mostly based on that vehicle’s “loss history,” reflecting how often and what type of claims other people have typically filed for that model. Cars chosen for flash and speed – and also vehicles generally picked by young, inexperienced drivers — compile claims and thus garner higher insurance costs.

Include a car owner that has a record of traffic violations, claims or accidents and you have a recipe for truly painful car insurance rates.

This year’s least expensive car to insure will be the Chrysler Town & Country LX minivan. Its national average annual premium is $1,091.80, a third of the cost of insuring the Mercedes SL65 AMG. If you drive a Chrysler, you may want to check out Chrysler Bentley Grills.

The Toyota Sienna minivan and its LE version earn the No. 2 and No. 3 spots, respectively, on the list of cheapest motor vehicles to insure.

Discounts for added safety equipment can also bring insurance rates down. Such equipment consists of electronic stability control, which can help motorists avoid accidents, and overhead airbags.

Three Tips for Getting Cheap Car Insurance

Car insurance buyers often pay over the top for their insurance policy. The majority of us are not able to fully grasp that its possible to can find low cost auto insurance by knowing how insurance carriers decide your premiums. On the other hand, there are actually some pretty basic things that you can do to obtain cheaper premiums on your insurance coverage. Listed below are A FEW simple steps to follow to get affordable car insurance guaranteed.

1. Think about your car insurance coverage needs

Every single state in United States has their bare minimum car insurance specifications stated by the law. Alabama State’s minimum insurance requirements are 25/50/25.The first a couple of amounts reference bodily injury liability (BIL) limits and the third number relates to the property damage liability (PDL) limit. However, it is easy to notice how all these limits may not cover all your property damange and liability needs. Consequently, you have to decide on your auto insurance needs. A good way to decide this is to think about all of your personal assets that you have got.

2. What special discounts can you get

Very few are aware about several discount rates available on car insurance. Insurance companies usually forget to make you aware about special discounts you may avail as a result of lack of appropriate communication.Nevertheless, you ought not be afraid of asking your insurance vendor about different discounts available to you. You are in all likelihood entitled to a lower price if you are linked with certain organizations, educational institutions or corporations. Let your insurance provider know about your associations and insist on getting a discount.

A few other discounts are multiple vehicle discount, group discount, good grades discount, senior citizen discount, company discounts, low mileage discount. Check with your insurance company if you are entitled to any of these. This may help you save a lot of cash on your auto insurance policy.

3. It is very important to choose the right insurer

As soon as you are ready to take your insurance coverage, if you are searching for the most effective offer you can actually get at least expensive possible rates, then you really must do a bit of research on the net. The most beneficial way to begin is to obtain quotes from a number of auto insurance providers. Many online sites offer this service for free. By doing this you will familiarize yourself with the exact premium rates from various auto insurers prior to you purchase. Nearly all insurance firms offer these free of charge quotes on the internet. The task is fast and simple. All you need to do is to fill a form. The entire process is fast and simple and you can have the rates within FIVE minutes.

Cheap car insurance for high risk drivers

Searching for cheap auto insurance for high risk drivers? As you may already know, insurance companies charge high risk drivers higher premiums. Although difficult, finding cheap auto insurance is not impossible.

Click here to find cheap auto insurance by comparing quotes online – you could save $$$

Who is considered a high risk driver?

A number of factors are used by insurers when determining if a driver is high risk. The most important ones are – age and experience, driving history and credit rating.

Teen drivers – insurance experts say that in a huge % of all accidents, teen drivers are at fault. Its hardly surprising that insurers put drivers lacking experience in the high risk category. Insurance premiums for teenage boys in particular are quite high, especially for those driving faster cars.

Senior citizens – society generally accepts people as senior citizens when they are over 65 years old. Some people suggest, that senior drivers rarely drive fast cars and have a lot of experience. Yet, insurance experts reveal that older drivers are involved in accidents quote often.

Drivers with bad driving history – when insurance premiums are calculated, driving history still plays an important part. If you have been caught driving without insurance, driving under the influence of alcohol, have a few traffic violations or you have been at fault for an accident, you can fully expect to pay more. You may be required to have SR22 or in some cases even FR44 as part of your policy.

Low credit rating – the use of credit score by insurance companies is seen as unfair by many people. Fair or not, credit rating is used by more and more insurance companies every year. People who pay their bills on time are considered as less of a risk.

Can high risk drivers really find cheap car insurance?

Some may argue that is is simply impossible to find cheap car insurance for high risk drivers, but that’s not true.

For young drivers, the most important think to pay attention to is keeping a clean driving record. If you are at school or college, maintaining good grades can lower your premiums.

Its extremely important to obey the law. Don’t drive under the influence of alcohol and never drive with no insurance – its common sense. Don’t allow your insurance policy to lapse if you are required to file SR22 – your license will be suspended.

You will pay less for your auto insurance if you drive a car with more safety features, which is considered as “insurance friendly”.

Senior drivers and inexperienced drivers alike, can lower their premiums by taking a defence driving course.

Comparing quotes online is most likely the easiest possible way for high risk drivers to find low cost auto insurance.

Getting quotes from at least 3 insurance companies is what insurance experts recommend. You may be shocked by the rate difference.

Compare quotes and find cheap car insurance for high risk drivers now!