Monthly Archives: November 2017

Finding Cheap Car Insurance For Young Drivers

It can be difficult for teenage drivers to find cheap car insurance rates. Most of the time car insurance companies see teenage drivers as a higher risk due to their lack of drive time and experience on the road which causes their rates to be more expensive. Here are a few things that you can do to make your young driver’s auto insurance more affordable:

1) One of the best ways for a teenage driver to save on auto insurance is to be on their parent/guardian’s insurance policy rather than being on their own. This could save you $50+ every month on your car insurance premium.

2) Your vehicle is the key. The make and model of your car has a huge effect on the price of your auto insurance, so avoid luxury and sports cars because these will increase your car insurance rates dramatically. Also avoid any cars with modifications such as body kits and sound systems. It is best to go with a car that is 5-7 years old with good safety features.

3) As a young driver it is important to maintain a squeaky clean driving record. Getting a ticket or in to a car accident as a teen driver could cause your car insurance rates to double! If you are a parent, you need to stress the importance of safe driving to your young driver. Having a clean driving record will definitely help your teenage driver lower their insurance rates in the future. The more years you go accident free, more likely you are to find cheap auto insurance.

4) Ask the car insurance company about any auto insurance discounts that they offer for young drivers. The most common auto insurance discount is the good student discount. Typically, insurance companies require you to have a B average or better and will ask you to send proof of your grades (report card, transcript, etc.). This will definitely help lower your rates. If you do not drive much, you may also qualify for the low mileage discount. As a young driver it is important that you ask your insurance provider which discounts you qualify for because it will really help you find the cheapest auto insurance rate.

How to Find Affordable Car Insurance

Most teenagers can’t wait to get behind the wheel of a car. All they can think about is getting a permit, their first license, and then the keys to your car. It’s a right of passage and the most exciting time in a teen’s life, but it can also be the scariest time for a parent. The good news is that your teen is becoming independent and learning responsibility.

We all know that insuring a teenager is more expensive than insuring an adult. It’s riskier for many reasons you would rather not think about. If your teen doesn’t get insurance he or she could end up being responsible for damages to any vehicle involved in an accident, any medical bills, and could be responsible for a paying a fine as high as $1,000. Getting insurance for your teen is a necessity.

Some teenagers think they don’t need to get auto insurance if they are driving a very old car. They think that it won’t matter if they get into an accident with a car that isn’t worth very much. They couldn’t be more wrong though. It is illegal to drive without car insurance in most of the United States. If he is caught without car insurance he will get an expensive fine and could end up losing his new license.

So, how do you go about finding affordable car insurance? It isn’t as difficult as you may think. You may already have a few things in your favor. First talk to your insurance company and see if they will give you a discount for being one of their best customers. You may consider putting your teen on your insurance policy, which will save money. If not, shop around. Get bids from different insurance companies and make a decision that way. Include your teen in the decision making process this way your teen will understand a bit more about the risks that are involved in driving.

Tips for Finding Affordable Insurance for Your Teen

1. If your teen has a good grade point average you could save 20% on car insurance
2. If he keeps a clean driving record for a year his insurance could go down significantly
3. If your son or daughter drive an inexpensive car the insurance will be significantly less
4. If your teenager is a student his car insurance will be less.

Finding affordable auto insurance is important. Most of us are on budgets these days and we are looking to save as much money as we can. You can always save money on auto insurance if you search and compare insurance companies and their auto quotes.

So, take the time to research the pros and cons of getting affordable car insurance for your teen, and keep in mind your teen may be more responsible then you think. Remember, we have all been there.

How to Find Affordable Car Insurance

Car insurance is something we often need but hope we will never have to use. Times are financially tight and finding affordable car insurance is something everyone covets. Insurance companies often advertise that their insurance rates are the lowest, but often times this is not the case. There are deals to be found however and knowing where to look for them can save auto owners a lot of money.

Nothing can take the place of comparison shopping and it should be the first thing to do on your checklist. Even though there are tons of commercials for competing car insurance companies, all offering the best deals, independent research generally will give all the facts and real numbers to work with. The Internet is a great tool as most car insurance companies have quote calculators right on their websites. It takes but a few minutes to plug in some basic information and have a quote.

Seek out car insurance that is exclusively available online. Often times these companies have great deals on affordable car insurance because their overhead is low. In the world of car insurance, big names aren’t always better. Consider some of the smaller and new companies as well. Just make sure that they offer all the same minimums and maximums of coverage you are looking for or need.

Expect to pay a higher premium if you are under the age of 25. Historically, auto insurance companies charge higher amounts for younger drivers because they are considered inexperienced and therefore, a higher risk for companies. Many car insurance agencies do however give discounts for driver’s education classes or discounts for each year one is accident free so ask about these discounts.

Unfortunately many insurance companies will also charge higher rates if the driver resides in an area known to have high crime activity. If moving to a less crime ridden area is not possible, research auto insurance companies that don’t penalize in this area or still charge more but have competitive rates. Additionally, consider installing an alarm system for the vehicle. Many can be purchased at reasonable prices, and lots of insurance companies will give discounts if the vehicle has one. The money spent on the alarm will probably pay for itself the first or second year.

Car insurance is often based on the type of vehicle owned. Many people are oblivious to this. Every year insurance companies spent hundreds of thousands of dollars researching which cars are most and least likely to be stolen or broken into, and they based their premiums on these findings. Honda Civics notoriously makes the top 5 cars most stolen every year. The same goes for high performance and sports vehicles. Conduct some research about where the make and model of your vehicle falls on these lists; then consider trading in that vehicle for one less likely to be on the list.

Finally, know your driving record. The local Motor Vehicle Administration will print you out a copy of your driving record if you don’t know it for a small fee. Violations such as speeding tickets and DUI’s will almost always raise auto premiums. There are competitive auto insurance companies out there that have accident forgiveness or are more forgiving particularly of older violations. By being aware of what bullets need dodging on your record, you are in a better place to negotiate when searching for affordable car insurance.

Finding Cheap Car Insurance in Georgia

Cheap car insurance in Georgia is a relatively easy to find and certainly easier than in most other states. The average cost of auto insurance in Georgia is less than the national average and ranks in the top half of cheapest states to insure a vehicle. Rural areas of Georgia can expect to pay less than urban areas such as Atlanta, but overall the state offers very affordable insurance for vehicles.

Cheap Car Insurance in Georgia: Finding Your Niche

You need to realize the type of driver you are and how you appear to auto insurance companies. Your risk factors may be better suited to a specific company. For instance, some companies are better organized to cater to young drivers, some to older/retired drivers and some to individuals who also need to insure their home. If you drive a luxury vehicle, there are companies that specialize in that type of auto insurance. If you are a higher risk driver, finding the right company that is comfortable and experienced working with high risk drivers is critical.

Cheap Car Insurance in Georgia: Understanding Rates

To seek out cheap auto insurance in Georgia that also provides the amount of protection you need an understanding of rates is crucial. You need to know what variables are used to determine how much you will pay. Your geographic location is important for a couple of reasons: the cost of living, traffic and crime rate are considered when determining rates. The type of vehicle you insure is critically important as the cost of repairs and replacement must be calculated as well as the vehicle’s safety features and horsepower. An expensive, powerful sports car will be much more expensive to insure than a modest sedan with a 4 cylinder engine. Finally, the risk factors associated with you are factored into to rates. Your driving record, age, credit history, sex, occupation and how often you drive are major considerations. Young males will pay the most for vehicle insurance.

Cheap Car Insurance in Georgia: Companies to Consider

It helps to have an idea of where to begin looking for companies offering cheap car insurance. While there are the big name insurance companies such as Nationwide and GEICO that everyone has heard of; however, you have many more choices available. Here is a short list of Georgia auto insurers you may not be aware of.

  • AMCO Insurance
  • Country Financial Services
  • DeerBrook Insurance
  • Fireman’s Fund
  • Horace Mann Insurance
  • Patriot General
  • Response Insurance
  • Sentry Group
  • Thrivent Financial for Lutherans
  • USF&G

There are over 80 companies offering auto insurance in Georgia, so the only way to find the best deal is to compare.

Getting Help Finding Cheap Car Insurance in Georgia

To help you understand more about Georgia auto insurance and how you fit in, as well as learn more about regulations and get company reviews you should visit the website of the Georgia Office of Insurance and Fire Safety Commissioner. You can also get in touch by phone or in person using this contact information.

Georgia Office of Insurance and Fire Safety Commissioner

2 Martin Luther King, Jr. Dr.

West Tower, Suite 704

Atlanta, GA 30334

Phone: (404) 656-4449

Shopping for Cheap Car Insurance in Georgia

The average premiums in Georgia in 2010 was just over $1,300, but if you take steps to improve your standing in front of Georgia auto insurance companies, you can reduce that rate by hundreds of dollars per year. Liability insurance is cheap and if all you want to do is meet the state requirements, (25/50/25 liability coverage), you will be spending very little on car insurance. However, if you are looking for higher liability limits and comprehensive coverage, you will want to focus on controlling your risk factors and shopping around using rate quotes. In only 15 minutes you have time to gather multiple quotes to help you find cheap car insurance in Georgia.

Costs of Your Auto Car Insurance Down

Auto Car Insurance can be quite costly to get, even if you get a deal for 1-2 years. However there are things you can do to get cost of your insurance contract down, and keep it down.

The main factors in car insurance is the type of car you own, the more expensive the car, the more it’ll cost to insure, there is not really much you can do about this unless you are also buying a car as well, in which case, find the cheapest car that meets your requirements, it’ll cost you less in insurance in the long run.

A couple of the other factors are your Age, and where you live, Certain age brackets have higher insurance rates, like teenagers, they are more likely to damage or crash your auto, so they’ll get premium’s on their insurance. There isn’t much you can about your age except wait =). Where you live plays an important factor as well. Some areas will have a higher rate of car damage and auto theft. If you have a garage, or even a driveway, yet your insurance company know that you will be using it, it should lower your insurance rates, if it doesn’t, ask why not, because it is a lower risk to the company.

You driving history will play a large part as well, if you have a history of accidents, even minor ones, it’s going to put the risk to the insurance company up, so they’ll put up your premiums. The safer you drive, the better your rates will be, if you have gone a few years without a claim or accident, you should be able to ask for better rates, as you have proven you are a safe driver.

One thing to be Aware of is many companies will offer a discounted rate for the first 3 or 6 months on one to two year contracts. When they do that, make sure they tell you the full price, and work it out for the term of the contract. It’s the full price of the contract that you want to company, not the monthly charges.

Finding a good Insurance rate for your auto can be hard, but if you do your homework, and make sure you are covered for only the things you need, you’ll be able to save up to several hundred dollars a year quite easily. Just make sure you all of this in mind when you to get your next car insurance.

How to Find Cheap Car Insurance Easier

The truth is: all auto insurance companies have different auto policies, different discount packages and (naturally) different rates. In order to find cheap car insurance rates, you really need to devote energy into researching what these are. If you have compared two or more auto policies beforehand, you may have noticed that other insurance companies have better and yet cheaper offers than others. You really need to look into these variations in order to avail yourself of cheap car insurance that has an insuring agreement that will answer all your needs; especially in regards to auto coverage, collision coverage, split limits and bodily injury coverage. You can seek out a standard auto policy, or avail of an auto insurance policy from multiple online companies.

There really is no (shall we say) pain free way of finding cheap car insurance. However, there are now online tools to make the process less taxing and worrisome. There are now many Internet based auto insurance companies that offer special discounts and packages, as well as free insurance quotes to boot.

On your part, you need to compare these quotes and offers to find the most suitable one. If you are well-versed with the terminology of these auto policies; or if you can find people from auto insurance companies who are willing to explain to you insurance lingo, then you are off to a great start. On the other hand, if you are not as fortunate as to have these, you can simply log on to any website and research everything there is to know about provisions and restrictions in a standard auto policy.

To make matters easier to deal with, you should first determine how much auto coverage you are actually willing to pay for. If you are on a very tight budget, you may want to go cherry-picking what coverage you can subscribe to. One way of saving money is to avail of the multiple car discounts – that is, if you have multiple cars. You can enroll all of them under one policy. Often, in order to find cheap car insurance, you don’t really go looking for the lowest rates. Rather, you look into auto policies that can service most, if not all of your needs under only one insuring agreement. When you do find a couple of attractive packages, you should learn to read provisions and restrictions in the fine print.

You should know that some auto insurance companies offer extensive liability coverage but very little auto coverage that will serve you in the long run. For your own protection, you may want to add more to your auto insurance policy; although this means that you must succumb to higher insurance rates.

For example: if you figured in an accident where you (unfortunately enough) crashed into another car and injured its occupants, your liability coverage may only pay for the occupants’ medical and car repair bills. Yours, however, are uncovered. This is the very reason why you need to take a second look at your auto policy’s insuring agreement, especially with regards to pay-offs in your liability coverage.

Some companies offer better deals on split limits; others, on combined limit policies. So what’s the difference, you ask? Well, split limits pay-offs come from your property liability coverage (to pay for car repairs); and bodily injury coverage (to pay for medical bills). This will serve you well if one has more expenditure than the other, like the car repairs are more expensive then the medical bills, for example. Your insurance company will shoulder most of the bills for car repairs and you save a fair amount on your other coverage.

On the other hand, the pay-off for combined single limit policies comes from both of these aforementioned policies, regardless of whether the liability coverage payoff is more than the bodily injury coverage. The combined payment is always at 50%-50%.

Also, you will need to rake over the insuring agreement for every auto insurance policy that auto insurance companies offer for your perusal. At first glance, they may all look the same, but there are great differences if you read the minute details. As part of your checklist, you should see if you would need (and the company provides): collision coverage; comprehensive coverage; bodily injury coverage; liability coverage; loss of use coverage; roadside assistance coverage; total loss coverage; and uninsured/underinsured coverage.

Find Cheap Car Insurance

As a car owner, it is important that you have a car insurance policy for coverage in case of an accident. You are no longer required to run around looking for cheap car insurance as this can be easily done through the internet.

There are many options of auto insurance companies available to you if you want to find the best insurance policy for your car. With so many companies to choose from, it is advisable that you try to find out as much as possible about every company you come across before you make your final decision. However, you should be wary that there are some scam companies around that will try to get you to buy fake policies.

You can use the internet to differentiate these scam companies from the genuine insurance companies. The safest thing to do is to get a policy from one of the well-established insurance companies. At the websites of these companies, you can find testimonials from past customers that will give you a better idea about the services provided by the companies. In fact, if you have the time and patience, you can also visit or call these customers to find out more about the company you are interested in and the type of services it offers. If they are happy with the services, you can be sure that you will be a satisfied customer as well.

By now, you will have narrowed down your search for the right car insurance company to just a few companies, and you can start requesting quotes from these companies. You can easily get your auto insurance quotes through the internet just by filling and submitting online insurance quote forms. In just a short while, you will get the insurance quotes you want, and you can compare the rates to find out which auto insurance company offers you the best auto insurance policy.

You can make requests for your insurance quotes from as many insurance companies as you like. You can also ask for as many quotes you want from a single company. After providing some basic information like your car model and age, you will be sent the auto insurance quotes you requested for. With all the information you gather, it is easy for you to find the automobile insurance policy that best suits your budget and insurance needs.

Choosing the right insurance company is not the end of the search. You have to ensure that the policy provides the coverage you are looking for. One important protection you need in the insurance policy is coverage for damage where any expenses related to damages on the other vehicle and public property is covered by the company. It is a very wise decision to opt for this coverage because the costs of property and vehicle repair are increasing rather rapidly these days.

The coverage for damages inflicted on your property during an accident is called physical damage coverage. With this coverage in your car insurance policy, you need not worry if your car gets damaged because of vandalism, theft or collision, as all the restoration bills will be covered by the company. Some companies also provide protection for other vehicles that are damaged because of collision. Do not take this coverage for granted; you should read the terms and conditions of the insurance policy carefully, so that you will know the extent of coverage offered by the auto policies.

Finding Auto Car Insurance

If you have just bought a car then you should know that getting an auto car insurance has been made mandatory by law. Without this you won’t be able to drive on the roads and you will be collecting a lot of driving tickets. Getting auto car insurance is not that difficult; all you need to do is choose the right agency. This is not a daunting task if you are a wise buyer. There are so many insurance agencies to choose form, so finding the right one can be a bit tedious. It is vital that you choose the right agency if you want to save your hard earned money. Making a wrong decision will just make your money go out the window. Not everyone is a perfect driver so there is a possibility of you meeting with an accident. Paying for the repairs can be a bit expensive and at such times having auto car insurance in hand is beneficial. This will help you save your finances.

You really need to shop around to find the right agency and the easiest way to do is online. On the internet you will be able to find an agency nearest to you. You need to make sure that you browse through different websites before you actually settle on one. It can be a bit time consuming, but rushing into this will only make you suffer. So to avoid this you need to take your time and not hasten with this process. Browsing through an entire website will only take a few minutes, but by doing this you will get to know the policies of different companies. You can just choose a company randomly. You should choose the right one and make sure that they have all the services that you are looking for.

On the internet you will be able to compare auto car insurance rates to figure out which one is the most affordable. You should choose an agency that charges an affordable amount and it should also give you full coverage. Before you sign the fine print make sure that you read all the terms and conditions. If you find an agency that provides the required services and coverage then you should certainly take advantage of this. There will be many agencies that will lure you will attractive offers but you should take your time and choose the right one.