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Monday, July 23, 2007
Low Cost Auto Insurance Here's How Young Drivers Can Get It
Hard as this may seem for some, you can get low cost auto insurance, because of or, in spite of your age. This remains true even if your age group is considered the highest risk. Furthermore, if you do not like the options that can help you escape the risk associated with your age group, you can take those that help you lower your risk factor. Anyway you look at it low cost auto insurance is something you too can get.
Unless a terrible road safety history proves otherwise, the 50 plus age group is seen as the lowest risk age group in car insurance. And, there's even more to it than just that. You can even get some special discounts from certain insurance companies just because you're a senior citizen.
But, for those who unfortunately find themselves in that dreaded (as far as car insurance in concerned) age bracket, getting married will help you get low cost auto insurance from most insurance companies. Funny as this may sound, it does work.
It is no secret that the highest risk profile in car insurance is under 25, male and single. Anyone who never went on a reckless ride with such a profile can be said to have never done such.
But once young people get married, they become more thoughtful. Having people who are your direct responsibility and the mere thought of not letting them down does wonders to your driving. This is what makes certain insurance companies reduce your rates accordingly once you get married even if you are still under 25.
Using your parents' car insurance policy is another option for you, an under 25. The fact that you are of driving age means that your parents belong to a lower risk age group.
There are two conditions that you must fulfill for this to be possible: The car must be registered in your parents' name and you must live with them. If you don't like the idea of handing the car's ownership to them and other stuff that may be attached to that, then you'll have to forgo this option.
There are too many ways you can get low cost auto insurance to be dealt with properly in a short article. It is well-worth it if you take out some time to research all the ways.
However, the sure process to getting low cost auto insurance is by obtaining as many quotes as possible and then comparing the whole lot to see which offers you the best rate. The savings we are talking about here could run as high as over $1000.
You'll spend a great deal of time if you want to locate all the necessary sites on your own. I've already done that and have my favorite sites for low cost auto insurance quotes.
Unless a terrible road safety history proves otherwise, the 50 plus age group is seen as the lowest risk age group in car insurance. And, there's even more to it than just that. You can even get some special discounts from certain insurance companies just because you're a senior citizen.
But, for those who unfortunately find themselves in that dreaded (as far as car insurance in concerned) age bracket, getting married will help you get low cost auto insurance from most insurance companies. Funny as this may sound, it does work.
It is no secret that the highest risk profile in car insurance is under 25, male and single. Anyone who never went on a reckless ride with such a profile can be said to have never done such.
But once young people get married, they become more thoughtful. Having people who are your direct responsibility and the mere thought of not letting them down does wonders to your driving. This is what makes certain insurance companies reduce your rates accordingly once you get married even if you are still under 25.
Using your parents' car insurance policy is another option for you, an under 25. The fact that you are of driving age means that your parents belong to a lower risk age group.
There are two conditions that you must fulfill for this to be possible: The car must be registered in your parents' name and you must live with them. If you don't like the idea of handing the car's ownership to them and other stuff that may be attached to that, then you'll have to forgo this option.
There are too many ways you can get low cost auto insurance to be dealt with properly in a short article. It is well-worth it if you take out some time to research all the ways.
However, the sure process to getting low cost auto insurance is by obtaining as many quotes as possible and then comparing the whole lot to see which offers you the best rate. The savings we are talking about here could run as high as over $1000.
You'll spend a great deal of time if you want to locate all the necessary sites on your own. I've already done that and have my favorite sites for low cost auto insurance quotes.
Fresh Ideas for Cheap Auto Insurance
Saving a few dollars on your car insurance isn't all that easy if you assumed that browsing around shopping for cheap auto insurance quote is the way. Sure it pays to compare quotes from different sources but the question is how sure are you that none of them have jacked up the rates or haven't included what is not needed by you.
Here are a few sure fire ways to reduce your car insurance premium.
Take a fresh look at different car drivers' policies before you begin listing out your needs. This helps develop a broader perspective and the insight you get is incomparable in terms of the leverage you get to design your mix of covers for yourself and apart from savings on premium.
Write down all the information that you need to provide the insurers with like your marital status, zip code, safety features fitted, details of your family members and average mileage you do every month. Critically analyze each factor against the risk they potentially pose.
Specify different covers you need in writing and make sure that the quotes you received do not include what you haven't asked for. For this, list out different health and life insurances each of your family member has in order to strike out unnecessary duplication of the covers under car insurance.
Failure to furnish these details leads insurance companies to quote by default a higher auto insurance rate. More the details you provide better are your chances to get all the available discounts that you qualify for.
If buying cheap auto insurance is your intention, getting maximum benefit is the goal and so is quicker claims settlement. Begin searching for cheap auto insurance well in advance. This not just avoids last minute compromises but you have enough time to dig into typical claim settlement cases of each company.
Designate the main driver to each car you own. Premiums on female main drivers for trucks are lower than male main drivers and it is the reverse in case of a minivan. Don't designate teens as main drivers of sports cars for the same reason.
Lower the mileage, greater is the discount on car insurance. In most US states 40 miles per week is the threshold point to avail it. Consider car pooling or taking a bus to office if you are bordering around that figure.
Check out the fine prints, hidden charges, delayed payment penalties and the like, for they silently contribute to increase your car insurance bill, no matter whether they were quoted or not
Here are a few sure fire ways to reduce your car insurance premium.
Take a fresh look at different car drivers' policies before you begin listing out your needs. This helps develop a broader perspective and the insight you get is incomparable in terms of the leverage you get to design your mix of covers for yourself and apart from savings on premium.
Write down all the information that you need to provide the insurers with like your marital status, zip code, safety features fitted, details of your family members and average mileage you do every month. Critically analyze each factor against the risk they potentially pose.
Specify different covers you need in writing and make sure that the quotes you received do not include what you haven't asked for. For this, list out different health and life insurances each of your family member has in order to strike out unnecessary duplication of the covers under car insurance.
Failure to furnish these details leads insurance companies to quote by default a higher auto insurance rate. More the details you provide better are your chances to get all the available discounts that you qualify for.
If buying cheap auto insurance is your intention, getting maximum benefit is the goal and so is quicker claims settlement. Begin searching for cheap auto insurance well in advance. This not just avoids last minute compromises but you have enough time to dig into typical claim settlement cases of each company.
Designate the main driver to each car you own. Premiums on female main drivers for trucks are lower than male main drivers and it is the reverse in case of a minivan. Don't designate teens as main drivers of sports cars for the same reason.
Lower the mileage, greater is the discount on car insurance. In most US states 40 miles per week is the threshold point to avail it. Consider car pooling or taking a bus to office if you are bordering around that figure.
Check out the fine prints, hidden charges, delayed payment penalties and the like, for they silently contribute to increase your car insurance bill, no matter whether they were quoted or not
Car Insurance on the Installment Plan
Department of Insurance rules require all automobile insurance companies to accept premium payments in installments. However, some insurers offer the installment payment plans through their associate finance companies in which case you are generally forced to pay high rates of interest.
Clearly, shopping for car insurance smart infers that you shouldn't just seek and settle for low rates but also do your math on identifying low-cost financing. You can do this by simply asking who is providing your installment plan. There are insurance companies that proudly offer their own equated monthly payment plans. Whatever that be, make sure of things such as the outright down payment, the number of installments, interest charges, service charges, if there are any hidden charges and the final amount of monthly installment. But before you get insurance quotes with installment payment plan from any company, make sure you get everything about the plan in clear writing.
Asking for payment break-ups in writing is a way of committing the insurers to freeze your installments for the entire term of validity of the policy. Usually, when you do so, all possible charges which the agents had deliberately hidden till then will have to surface up which is to your advantage. Also you will not be in shock when you receive the bill later.
In the present market, all auto insurers and finance companies have their terms at least as good as follows:
* For a policy of one year's validity, the down payment will be 16.67% and ten (10) equal installments payable monthly. If you have your policy written through associations recognized by companies, then the down payment will be 20% of the total.
* On similar lines a six-month policy will require a down payment of 33.33%, and four equal payments payable monthly.
While the above is the stipulation, some insurers and finance companies are willing to offer smaller than what is stipulated down payment and are not so rigid on the term side too. However, an insurance company is at right to add a service charge to your payment, but make sure everything is crystal clear in black and white before you sign on the dotted line. Here is an indication of the basic service charge that can be levied - $3 per month, and the company is also at its legal liberty to add 50 cents for every $250 (or fraction) of premium paid over $500.
Clearly, shopping for car insurance smart infers that you shouldn't just seek and settle for low rates but also do your math on identifying low-cost financing. You can do this by simply asking who is providing your installment plan. There are insurance companies that proudly offer their own equated monthly payment plans. Whatever that be, make sure of things such as the outright down payment, the number of installments, interest charges, service charges, if there are any hidden charges and the final amount of monthly installment. But before you get insurance quotes with installment payment plan from any company, make sure you get everything about the plan in clear writing.
Asking for payment break-ups in writing is a way of committing the insurers to freeze your installments for the entire term of validity of the policy. Usually, when you do so, all possible charges which the agents had deliberately hidden till then will have to surface up which is to your advantage. Also you will not be in shock when you receive the bill later.
In the present market, all auto insurers and finance companies have their terms at least as good as follows:
* For a policy of one year's validity, the down payment will be 16.67% and ten (10) equal installments payable monthly. If you have your policy written through associations recognized by companies, then the down payment will be 20% of the total.
* On similar lines a six-month policy will require a down payment of 33.33%, and four equal payments payable monthly.
While the above is the stipulation, some insurers and finance companies are willing to offer smaller than what is stipulated down payment and are not so rigid on the term side too. However, an insurance company is at right to add a service charge to your payment, but make sure everything is crystal clear in black and white before you sign on the dotted line. Here is an indication of the basic service charge that can be levied - $3 per month, and the company is also at its legal liberty to add 50 cents for every $250 (or fraction) of premium paid over $500.
How to Get Cheap Automobile Insurance Online in Wisconsin
What special steps do you take when you’re trying to get cheap automobile insurance online in Wisconsin? Do you search for companies with policies that offer the best coverage? Do you search for policies with the cheapest premiums? Do you apply for free online car insurance quotes with auto insurers that offer the most discounts?
We’re willing to bet you do all of the above, and more, in order to obtain affordable automobile insurance in WI. However, we’re also willing to bet there are a couple of other ways to save money on auto coverage in Wisconsin of which you’re not aware. Those money-saving strategies are paying your car insurance premiums less often than monthly and opting to make payment via EFT.
After you’ve chosen the best affordable automobile insurance in WI, it’s time to figure out how you plan to pay your premiums – better put, it’s time to decide how often you want to make payments. Many policyholders choose to pay monthly, largely because it seems cheaper. When you pay every three months, every six months, or once a year it seems like you’re paying more money. The fact is you are paying more money, but you’re paying more money at once. Your premiums are no more expensive than they are when you pay monthly – actually, they may be cheaper. Many Wisconsin car insurance companies charge convenience fees if you pay month-by-month. You can actually save a few bucks by paying more often.
Now that you know how often you’re going to pay, it’s time to decide what payment method you want to use. Paying by check or money order is a popular choice; however, some auto insurers in WI charge processing fees for these kinds of payment methods. You can save money by opting for electronic funds transfer (EFT) payments, or paying your premiums in person at your insurance agent’s office.
Check out EZQuoteGuide.com for more tips to save money on auto coverage in Wisconsin as well as apply for your own free online car insurance quotes.
We’re willing to bet you do all of the above, and more, in order to obtain affordable automobile insurance in WI. However, we’re also willing to bet there are a couple of other ways to save money on auto coverage in Wisconsin of which you’re not aware. Those money-saving strategies are paying your car insurance premiums less often than monthly and opting to make payment via EFT.
After you’ve chosen the best affordable automobile insurance in WI, it’s time to figure out how you plan to pay your premiums – better put, it’s time to decide how often you want to make payments. Many policyholders choose to pay monthly, largely because it seems cheaper. When you pay every three months, every six months, or once a year it seems like you’re paying more money. The fact is you are paying more money, but you’re paying more money at once. Your premiums are no more expensive than they are when you pay monthly – actually, they may be cheaper. Many Wisconsin car insurance companies charge convenience fees if you pay month-by-month. You can actually save a few bucks by paying more often.
Now that you know how often you’re going to pay, it’s time to decide what payment method you want to use. Paying by check or money order is a popular choice; however, some auto insurers in WI charge processing fees for these kinds of payment methods. You can save money by opting for electronic funds transfer (EFT) payments, or paying your premiums in person at your insurance agent’s office.
Check out EZQuoteGuide.com for more tips to save money on auto coverage in Wisconsin as well as apply for your own free online car insurance quotes.
What to Look For In a Full Coverage Car Insurance Quote in Wisconsin
If you are considering applying for a full coverage car insurance quote in Wisconsin, you want to be informed and know what to look for, right?
First, it’s important to know the difference between liability coverage and full coverage. In Wisconsin, liability insurance is coverage that protects you against property damage, personal injury, and death. Wisconsin has set the lowest amounts of liability protection you’re legally allowed to have. These are called the state’s minimum liability coverage requirements and they are as follows:
•Property damage: You must have at least $10,000.
•Personal injury: You must have at least $25,000.
•Death: You must have at least $50,000.
Of course, you can always purchase more than Wisconsin’s minimum liability coverage requirements. It’s actually best to purchase more in order to make sure you have enough liability insurance protection.
On the other hand, full coverage car insurance in Wisconsin covers more situations than property damage, personal injury, and death. So, when you are looking for full coverage auto insurance in WI, you need to choose the kinds of coverage you feel will off the most benefits for you, your vehicle, and any other drivers in your household.
A couple of examples?
Collision Coverage: Collision coverage provides protection in the event your vehicle collides with another driver’s vehicle. When you have collision coverage, your insurance policy takes care of repair costs or replacement costs if the damages can’t be repaired.
Comprehensive Coverage: Comprehensive coverage provides protection in the event your vehicle becomes damaged by something other than a collision with another vehicle. Damage caused by theft, vandalism, fire, animals, and weather are normally covered under comprehensive coverage.
Get your free online car insurance quote with EZQuoteGuide.com. Then, contact an automobile insurance agent or broker and discuss the different full coverage car insurance options offered by various companies. Choose the company that offers the full coverage options that best suit your needs.
First, it’s important to know the difference between liability coverage and full coverage. In Wisconsin, liability insurance is coverage that protects you against property damage, personal injury, and death. Wisconsin has set the lowest amounts of liability protection you’re legally allowed to have. These are called the state’s minimum liability coverage requirements and they are as follows:
•Property damage: You must have at least $10,000.
•Personal injury: You must have at least $25,000.
•Death: You must have at least $50,000.
Of course, you can always purchase more than Wisconsin’s minimum liability coverage requirements. It’s actually best to purchase more in order to make sure you have enough liability insurance protection.
On the other hand, full coverage car insurance in Wisconsin covers more situations than property damage, personal injury, and death. So, when you are looking for full coverage auto insurance in WI, you need to choose the kinds of coverage you feel will off the most benefits for you, your vehicle, and any other drivers in your household.
A couple of examples?
Collision Coverage: Collision coverage provides protection in the event your vehicle collides with another driver’s vehicle. When you have collision coverage, your insurance policy takes care of repair costs or replacement costs if the damages can’t be repaired.
Comprehensive Coverage: Comprehensive coverage provides protection in the event your vehicle becomes damaged by something other than a collision with another vehicle. Damage caused by theft, vandalism, fire, animals, and weather are normally covered under comprehensive coverage.
Get your free online car insurance quote with EZQuoteGuide.com. Then, contact an automobile insurance agent or broker and discuss the different full coverage car insurance options offered by various companies. Choose the company that offers the full coverage options that best suit your needs.
What to Look For In a Full Coverage Automobile Insurance Quote in Wisconsin
Before you apply for a full coverage automobile insurance quote in Wisconsin, make sure you understand the difference between full coverage protection and liability coverage protection.
In Wisconsin, liability insurance coverage is a basic car insurance policy. The state has minimum requirements regarding liability protection. They are as follows:
•$10,000 of property coverage
•$25,000 of personal injury coverage
•$50,000 of death coverage
These coverage amounts are the most basic liability protection you can purchase in Wisconsin. Yet, many motorists choose to purchase higher amounts in order to ensure they’re more protected.
At the same time, many drivers opt to purchase what is known as “full coverage” insurance. Full coverage car insurance is best known for having both collision and comprehensive protection in addition to Wisconsin’s minimum liability coverage protection. Collision insurance protects you in the event your vehicle collides with another driver’s vehicle, and comprehensive insurance protects you in the event your vehicle becomes damaged due to something other than a collision with another vehicle, i.e. fire, theft, weather damage.
However, there is no one definitive kind of Wisconsin full coverage car insurance. Aside from collision and comprehensive protection, there are other kinds of coverage you can purchase. For example, you may be interested in underinsured motorist coverage. Wisconsin automatically includes uninsured motorist coverage in your policy; however, underinsured motorist coverage protects you in the event you’re involved in an accident with a motorist who has coverage, but doesn’t have enough coverage.
Another kind of auto coverage option is towing and labor costs. It may not be often that your car breaks down, but this is a handy kind of protection to have around if the inconvenient situation ever arises, as is rental reimbursement coverage for when you need to rent a vehicle while yours is being repaired.
You may also want to consider purchasing protection for your vehicle special features such as your sound system and your audio cassettes and compact discs.
In Wisconsin, liability insurance coverage is a basic car insurance policy. The state has minimum requirements regarding liability protection. They are as follows:
•$10,000 of property coverage
•$25,000 of personal injury coverage
•$50,000 of death coverage
These coverage amounts are the most basic liability protection you can purchase in Wisconsin. Yet, many motorists choose to purchase higher amounts in order to ensure they’re more protected.
At the same time, many drivers opt to purchase what is known as “full coverage” insurance. Full coverage car insurance is best known for having both collision and comprehensive protection in addition to Wisconsin’s minimum liability coverage protection. Collision insurance protects you in the event your vehicle collides with another driver’s vehicle, and comprehensive insurance protects you in the event your vehicle becomes damaged due to something other than a collision with another vehicle, i.e. fire, theft, weather damage.
However, there is no one definitive kind of Wisconsin full coverage car insurance. Aside from collision and comprehensive protection, there are other kinds of coverage you can purchase. For example, you may be interested in underinsured motorist coverage. Wisconsin automatically includes uninsured motorist coverage in your policy; however, underinsured motorist coverage protects you in the event you’re involved in an accident with a motorist who has coverage, but doesn’t have enough coverage.
Another kind of auto coverage option is towing and labor costs. It may not be often that your car breaks down, but this is a handy kind of protection to have around if the inconvenient situation ever arises, as is rental reimbursement coverage for when you need to rent a vehicle while yours is being repaired.
You may also want to consider purchasing protection for your vehicle special features such as your sound system and your audio cassettes and compact discs.
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