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Monthly Archives: June 2017

How to Save Money On Gas?

Today, millions of car insurance consumers are buying their car insurance policies on the telephone and the Internet. Insurance companies are spending more money than ever on advertising. Rate quotes and policies are available through a multitude of web sites, from insurance companies direct, to web sites that offer multiple quotes from a single application.

With this increasing demand for car insurance rate quotes via telephone and the Internet, decisions about cost and coverages are being made faster than ever. Is the average car insurance consumer getting the correct policy at the best possible price? Can the consumer lower their cost of transportation by saving money on their car insurance?

Many car insurance consumers are not aware of the numerous discounts available on car insurance policies today. Check out the following list of some of these discounts and see if any of them apply to you.

A multi-car discount will lower the premium on each vehicle on the same policy. Some companies will sell you a separate policy for each vehicle and still give you the multi-car discount. Keep in mind there can be overhead or additional cost for each policy, so having all of your vehicles on the same policy could save you money.

Most insurance companies will give full time high school or college students with a 3.0 or higher grade point average a discount. This discount could be as high as fifteen percent on the primary vehicle that the student drives. If the premium for the student driver is one to two thousand dollars per year, a good student discount could be a savings of one hundred fifty to three hundred dollars per year. Multiply that by the number of years in school, and that will add up to a huge savings.

Some insurance companies will give you an occupational discount depending on your educational background and job title. Teachers, Medical Professionals, Scientists, Engineers, Computer Professionals, and other jobs that require a college degree, license, or certification.

An anti-theft discount can lower the comprehensive (theft and vandalism) portion of the policy premium. This is generally considered to be a Global Positioning Satellite (GPS) based system where your car can be located via a satellite if it is stolen.

Some companies offer a 2% to 15% discount to active and retired members of the military.

Department of Motor Vehicle certified mature driving courses are available for senior citizens and can lower your premium as much as ten percent.

And of course, maintaining a good driving record will allow your insurance carrier to give you a good driver discount and keep your rates down.

“Who is happy with the price of gas today? Consumer advocate studies show that the first and foremost reason people are over paying premium-wise for auto insurance is that they don’t take the time and effort to shop around and compare prices. Cost savings on a policy can add up to hundreds of dollars per year, if you know what to look for and ask. And, shopping for car insurance has never been easier.”

 

Senior Drivers Auto Insurance Tips

1. Avoid more Accidents, Pay Close Attention at Intersections. Auto accidents involving seniors often occur at intersections. Make sure to look ahead if you plan to quickly change lanes after an intersection. Pay attention to protected left turn lanes with their own arrows, and always keep your tires pointed straight ahead when stopped, so that a rear-end accident doesn’t push you into oncoming traffic.

2. Follow the flow of traffic, Drive at the at or near the speed limit. Driving too slowly can be just as dangerous as speeding, especially when entering or exiting interstates or freeways. It can also trigger dangerous “road rage” in less patient drivers. You don’t have to be Mario Andretti, but keeping to the right and following the flow of traffic is the safest bet.

3. Many violations include failure to yield right-of-way, improper turning or incorrect lane changes, so keep current on the traffic laws relating to new traffic designs.

4. Sit high enough in your seat so that you can see at least 10 feet in front of your car, advises the National Highway Traffic Safety Administration. If your car seat does not adjust to allow this, add a cushion. This will make it easier to see pedestrians and bike riders, and reduce problems from oncoming headlight glare at night.

5. Do not wear sunglasses or tinted glasses when driving at night. For many older drivers, night vision is reduced, so safety dictates not driving at twilight or after dark.

6. Make sure you learn how to operate a New Car. Things like Anti-lock brakes, for example operate differently in slippery situations. If you have never driven a car with anti-lock brakes, sure to get training on proper use.

7. Senior drivers can refresh their skills and knowledge — and get a discount on auto insurance in many states — by taking a refresher driving course, such as the eight-hour “55 Alive” course offered by AARP. More than two-thirds of states mandate auto insurance policy discounts for such courses, and many insurance companies offer the discounts voluntarily.

8. Look for cars with rear-view mirrors that automatically dim and filter out headlight glare.

9. Air bag technology has become more advanced, with sensors that deploy air bags based on the weight of the occupant, reducing air-bag-related injuries. Some new cars also have side air bags in the seats or door frame that offer better protection.

10. Consider fit and comfort in your new car. Seat belts that comfortably fit over your shoulder and low on your lap will keep you safer. Automatic transmission, power steering and power brakes require less physical effort.

11. Last but definitely not least, Check to see which companies offer specific ‘Senior Discounts’ While shopping around for the best auto insurance rates is important, which insurance company you choose might depend on how they treat senior drivers. You’ll get their best rates if you’re healthy and drive a safe, modern vehicle.

 

Get Cheaper Car Insurance with These Tips

1. Buy from the internet. Most companies offer a discount for online applications as this is automated process and costs them a lot less to process your application, you can usually see discounts of 5%-10%.

2. Shop around. All insurance companies use different formulas to calculate your insurance premium by adding or detracting money after each question the ask you. By shopping around you could find big savings on your insurance premium.

3. Buy extra products. Most insurance companies also do other insurance products ie”Building’s and content’s insurance”. Most insurance companies will give extra discounts for purchasing more than one product,by doing this you could save a fair amount on all your insurance premiums.

4. Pay your insurance premium in one go. By paying your insurance premium in full you can avoid paying costly interest charges that would be added if you paid your insurance premium by instalments. Some insurance companies may charge as much as 15% APR on instalments. You may even receive a discount for paying in full. If you can not afford to pay in full check out what rate a small loan would be you may still save some money. Fill out a online loan application.

5. Increase your voluntary excess. Your excess is the amount paid by you in the event of a claim,by increasing this your insurance company should reduce your premium.

6. Lower your annual mileage. Lowering your annual mileage can reduce your premium,most insurance companies will quote you for around 12,000 miles a year. Try and work out how many mile’s you will do if it’s likely to be less you may get a discount. Be honest about this as your insurance company may ask to see old MOT’S and service history to verify your mileage in the event of a accident.

7. Have a Alarm, Immobiliser or Tracker fitted. Theft of and from your vehicle play a major role in the calculation of your insurance premium. Having a alarm or immobiliser fitted will give you a small discount to your premium and having a tracker fitted could make you quite a saving.

8. Take the advanced driving test. Passing your advanced driving test will show your insurance company that you have extra skill when driving and are less likely to be involved in a accident.

9. Don’t inflate the value of your car. Adding extra value to your car when you apply for your insurance quote will do nothing for you apart from increase you premium. In the event your car is stolen or written off you will only be paid the market value of your car at the time of your accident.

10. Look after your credit rating. Insurance companies are now looking at your credit score as part of the calculation for your insurance premium. Maintaining a good credit rating could avoid unnecessary additions to your premium.

11. Insure your car Third Party Only. Third party only is the minimum cover you are required to have by law it’s also the cheapest. If your vehicle is of a low value then you could consider this type of cover. You need to remember that with this type of cover if you was to have a accident that any damage to your vehicle would not be covered for repair.

12. Keep a clean licence.Insurance companies take driving convictions very seriously and can dramatically increase your car insurance premium,by maintaining a clean licence proves to the insurance you are a safe and careful driver.

13. Remove any unnecessary drivers. If you have a young driver on your insurance policy that no longer use’s the vehicle you should remove them as this will reduce your premium.

14. Young driver’s add a older driver. Some insurance companies will reduce young drivers premiums if they have a older named driver on the insurance.

15. Build up your no-claims discount. One of the biggest factors affecting your car insurance premium is the number of years no-claim’s discount. You could receive up to 75% discount for around 5 years of no claims. The more years you can stay claim free the safer driver your insurance company will see you as.

16. Protect your no-claims discount. Although this will increase your insurance premium if you have a lot of years of no-claims you may want to protect this as a small claim may increase your premium by up to 75%.

17. Buy a lower insurance group car. A very important factor to your insurance premium is what car you drive. Most insurance companies adopt the Association Of British Insurance Group Rating. This rates vehicle’s from 1 – 20 generally speaking the higher the group the higher the premium. By buying a car with a lower group rating can lower your premium especially for young or inexperienced drivers.

18. Join a car club. If your vehicle is a classic or specialist consider joining a club related to your car most clubs offer insurance schemes which have very good premium rates.

19. Put your spouse as a named driver. Some insurance companies offer discounts when you add a spouse as a named driver as opposed to unmarried couples,they see marriage as a sign of stability and associate stability with safe driving and there for give you a discount.

20. Take pass plus. If you are a new driver consider taking your pass plus. some insurance companies could give you as much as a 25% discount and when you have just passed your test and have no no-claims this could make a considerable saving.