Monthly Archives: October 2017

Find Affordable Car Insurance in Connecticut

Finding affordable car insurance in the state of Connecticut is not a difficult as you may think. The insurance companies do not use a magic formula in rating your policy. The primary information they use is the information you provide about yourself and your vehicle. Your habits and vehicle information will help you to find an affordable rate.

Let’s give you an idea of some of the underwriting information insurance companies use to formulate your car insurance rate:

1. Past driving history: This makes sense. If you have a clean driving record for at least the past 3 years is looked upon favorably and may earn premium discounts.

2. Credit Scores: Most states use your credit history as one of the underwriting basis for your auto policy. In Connecticut, however, according to a proposed bill no 56 introduced by Senator Crisco of the 17th District, insurance companies must inform their policy holders if they use their credit history as part of the rating criteria for automobile and homeowners insurance (this bill was introduced in January Session, 2007). Whether or not your company uses your credit information, maintaining good credit will work to your benefit.

3. Good Grades: If you have a teenager on your policy, good grades will earn a premium discount. Most companies will award a discount to those students who maintain a B or better average. They have found that better students are better driving risks.

4. Age 62+: If you are over the age of 62, take an accident prevention course. Check with your insurer to find out which courses qualify and which schools are on the approved list. Before you actually take the course, find out how much of a discount it will earn.

The best way to find affordable insurance for your car is to shop around. Get a list of insurance companies and submit your information. The internet has made this process much easier.

Find Affordable Car Insurance in Oregon

Nobody like to pay more for car insurance than they have to, and this is especially true in Oregon, which has some of the highest automobile insurance rates in the country.

There’s really no trick to finding affordable car insurance in Oregon. It’s simply a matter of shopping around and comparing as many different companies as possible.

Thanks to the internet and a variety of free quote services, getting comparisons is not as difficult as it used to be – but it is still tedious and time-consuming.

To save time it is advisable that you have all of the necessary information in front of you before you log onto a car insurance quote site. Having everything at your fingertips will save you a lot of time and headaches.

First, have your driver’s license in front of you. You will need to supply all the “standard” information: name, address, birth date, gender, and martial status. They will also ask for your driving record for the past 5 years. This will include a list of accidents, claims against your present insurance company, and any tickets you have received. Be truthful – they will double-check your answers.

They will also ask about your occupation and the number of years you have been employed, as well as ask questions about your credit history; drivers with good credit get a break on their auto insurance rates.

They’ll want to know how many people will be driving the car and their ages and genders, and they will ask if you rent or own your own home (homeowners often get a slightly lower rate).

In addition they will need information about the car you will be insuring. They will need your vehicle’s year, make, and model, as well as any anti theft devices or safety devices the car has. They will also ask if you own your vehicle or if it is being financed. You will also need to have your vehicle’s VIN number. The VIN number can be found on the driver’s side dash board under the windshield or in the glove compartment on the right hand side.

They’ll want to know if your vehicle is used primarily for business or pleasure and approximately how many miles you drive each week.

Finally they’ll ask about your current insurance and then ask what types of coverages you want and what deductibles you’re considering.

Even though it seems like a lot of information, most of it is fairly standard information that you will know off the top of your head. The rest you will need to gather.

Find Cheap Car Insurance in New York

There are many factors that help determine what your car insurance rates will be all over the country. By taking advantage of, or eventually altering, these factors, you can find cheap car insurance in New York.

Take a look at where you live. Car insurance companies determine the cost of a car insurance policy based on underlying costs. In other words, the car insurance company will look at the number of claims filed in a particular area, as well as how harsh the losses of each claim were. If you happen to live in an area with a high rate of claims and losses, you may pay more for your car insurance in New York.

Use every discount you can. It may sound desperate now, but since New York car insurance companies offer so many discounts it would be pointless not to take advantage of them. Just a few of the discounts offered by car insurance companies in New York include classes and programs such as accident prevention, driver training, and the Combat Auto Theft Program; vehicle components such as anti-lock brakes, air bags, automatic safety belts, and anti-theft systems; special company discounts for drivers who are accident free or considered “careful drivers;” and regular car insurance discounts such as those gained by purchasing more than one policy from the same New York insurance company or having more than one car on your car insurance policy.

Raise your deductible. This means you will pay more out-of-pocket in the event you have an accident, but if you’re considered “accident free” or a “careful driver” you aren’t at a high risk for accidents anyway.

Of course, you can always find cheap car insurance in New York by working on your driving record and waiting until you get a bit older and are considered less of a risk. These options for cheap car insurance in New York apply to the here and now.

Find Affordable Car Insurance in Tennessee

If you’ve ever tried to purchase Tennessee low cost car insurance, you’re probably aware of the impact your credit score has on policy-underwriting and rate-determining procedures. While there are a few restrictions auto insurers have when it comes to using your credit score (an insurer can’t, for example, take action against you based on your score), it’s no secret that having a decent score increases your chances of finding affordable car insurance in Tennessee.

Making repairs to your credit score will help you get Tennessee low cost car insurance, and we’ll even help get you started. Take these five tips into consideration.

Obtain your credit report(s). America’s top credit bureaus are Equifax, Experian and TransUnion. Order a credit report from each bureau as information tends to vary from report to report.
Study your credit report(s). Study each report and take note of both correct and incorrect information. If your report includes incorrect negative information, your chances for getting Tennessee low cost car insurance will, in turn, be negatively affected.
Dispute incorrect information. When you find incorrect negative information, file a dispute with the credit bureau in question. Make sure to keep copies of all communication between you and the bureau.

Think about the correct information. If you have positive information on your credit report (and we hope you do!), remember the steps you took to get those results. Remember the mistakes you made to get negative information and devise a plan to avoid continuing those mistakes.

Continue to build your credit. Consider secured credit cards – designed for people with no or poor credit – to help re-establish your credit. In the meantime, call on other lines of credit that weren’t reported. Your gas card and department store credit line, for example, may be in great standing but not reported. Contact those institutions and request they report to a credit bureau. Otherwise, you may risk your chance at getting affordable car insurance in Tennessee.