Cheaper Car Insurance Online

If you are lucky enough to be able to get a new car, then you are going to need to get it covered with a good insurance policy. Car Insurance rates have been going up the last few years and it looks as though this trend will not slow down.

The good news is there are common sense things you can control to get cheap car insurance online. The internet is probably the most incredible human invention of all time and it has lowered prices on so many things, from travel reservations to direct insurance coverage. The first step in combating inflation and increasing auto insurance price hikes is to frequently shop around for quotes on the web. Anyone with an internet connection can get quoted in only about 10 minutes and compare policies from direct providers like go auto insurance and other top carriers.

Direct rates are cheaper because the polices offered don’t have the middleman expense like a broker or insurance agency. Several top car insurers have only have direct ins models and do not have traditional offices or sales channels through brokers. This significantly reduces costs and then these savings are passed onto the consumer in the way of lower rates. This aggressive competitor has been selling cheap car insurance for over 20 years and has competitive online rates few insurers can match. Get your quote on-line today and qualify for instant discounts that can save you even more.

Auto Insurance Pricing Factors

There are several core factors that influence car insurance premiums the most. These include:

1. The Automobile you Drive

If you are in the market for either a new or used car, then just don’t think about the engine performance or color you want. You need to also pay attention to the average insurance rates for the automobile you are thinking of getting. This is so important because you could end up with a car insurance bill that doesn’t fit in your monthly budget. In general, newer more expensive cars cost more to insure. This makes sense because if you total a new vehicle, the insurer will have to replace the value of it, which will be way more than a cheaper used vehicle. In some cases, this can be more than a 90% price variation. For example, a 1998 used Ford Escort valued at $1,200 will cost so much less to get covered than a $75,000 new Jaguar because of the massive replacement price difference. If you are on a budget and hate paying out huge premiums, then get a used car with a 4 cylinder engine and watch your insurance costs go down. On the other hand, if you have money budgeted for a new car and are willing to pay more for coverage, think about raising your deductible and you will save 10% or more on your ins bill.

2. Your Age

To all the young millennials out there, it might sound like age discrimination, but you are going to pay a huge amount for automobile insurance if you are between 16 and 25 years of age. There is almost no way of getting around it, even if you are a super careful driver. The reality is today’s teenagers and young adult drivers are taking big risks while driving, like texting and “facebooking” behind the wheel. Distracted driving accidents are on the rise and so are insurance rates. If on the other have you are over 25 and have a good driving record, you can get low priced coverage if you shop around. You can always take a defensive driving class too, no matter your age and get a small discount of about 5% from most car insurers.

3. Your Driving Record

Unlike your age, you can control how you drive. A persons driving record plays a huge role in the cost of insurance coverage. Insurers give big discounts to drivers who do not have any infractions on their record or accidents. This is a big incentive to drive carefully and responsibly. Not only will it lower your insurance bill, but it will also reduce the chance of you getting into accidents. If you have tickets on your DMV record, get them cleared up as soon as possible, so you can qualify for cheaper insurance.

Another company with web-based pricing is good to go insurance. Now that you have learned a few tips on how to get cheap car insurance online, apply for a free rate check-up at the new good to go insurance website or over the phone. You can save hundreds in minutes and select the exact insurance plan, all online.

Article Source: http://EzineArticles.com/9524028

Auto Insurance Pricing Factors

The truth is, getting coverage that is that cheap is all but impossible, and there are many factors that go into automobile insurance pricing. Let’s take a closer look at a few of the big factors, so you can be more informed and hopefully pay less for your coverage.

1. Lapses in Coverage

Having auto insurance is the law in nearly all states in the U.S. but many people cancel their coverage and don’t think twice about it. This is not a good move because insurers look at this as an added risk. People who do not maintain continual vehicle insurance are also more likely to cancel a policy or not pay their premiums. This is why this often overlooked factor plays a big role in rates. If you are switching to a new insurer, just make sure there are no lapses, and you should be able to get a cheaper policy in the future.

2. Your DMV Driving Record

Almost everyone thinks they are a good driver, even people that get into numerous at-fault accidents. It always seems to be someone else’s fault, but many people are just lousy drivers. Car insurers take accidents and traffic violations seriously. If you have received a lot of tickets, especially more severe ones like reckless violations, then you will be paying a lot more to get covered. Those drivers with no crashes and no tickets for a three-year or longer period are considered safe drivers. This should be an important objective to all money saving motorists because having a good driving record will save you 15% or more on automobile insurance. If you have more than 3 tickets on your record, get them cleared up as soon as possible. Go to court and talk to the judge and work out a payment plan or go to traffic school. Once you get your driving record clean, maintain it by obeying all traffic laws and drive safely.

3. Your Age and Driving Experience

This is a super big factor that plays a large role in what you will pay to get covered. Motorists that are between 18-25 pay the highest cost to get covered of any age group. Yes, that means that elderly adults over 80 can get insured for less than a 19 year old teenager. The reason for this is all stat based. Young drivers take more risks driving and engage in super dangerous behavior like texting while driving. As a consequence, this group of drivers get into more accidents than any other and often pay twice as much for coverage. The sweet spot for low rates is between 35 and 60. These motorists, if they maintain a good DMV record, can get exceptional cheap rates. For those young people 24 and under, take a certified defensive driving class and get good grades in school. These two things can save you a combined 15% or more.

4. The Vehicle you Drive

Most people do lots of research on the car they want without ever even thinking about the expense of auto insurance. The type of automobile, year and current value plays a very big role in determining rates. Some cars that you might think would be expensive to insure are cheap and others that you would expect to be really costly are not. For example, a late model Jeep Cherokee is less expensive to insure than many sedans like a Honda Accord. This is because Honda’s are frequently targeted by thieves. Auto insurers pass these costs onto consumers who own these often stolen vehicles. If you are on a tight budget, get a car that is 4 or 5 years old and non-sporty, like a Toyota Camry. Avoid new or used sports cars like a Porsche or Corvette. Also, stay away from vehicles that are always on top of the 10 most stolen automobiles. Do your research on the car you want simultaneously with the cost of insuring it and you will know if you can afford it.

Shop Online for Lower Rates

Now that you have gained an insight into the main factors that insurers use to calculate premiums, it’s time to compare quotes. The best place to comparison shop car insurance prices is on the web. Apply for your free custom quote today and save more of your money on auto insurance.

At sites like good to go insurance you can do side by side rate comparison from up to 10 carriers. Check your rates online at good to go insurance and save more today.

Article Source: http://EzineArticles.com/9533536

Driving Without Insurance

In New Hampshire, there is no mandatory insurance law but the state’s Division of Motor Vehicles urges all drivers to purchase at least standard liability and property damage coverage. Regardless of the procedures, auto insurance regulation in every state demands that all drivers utilize their vehicles in the most responsible manners possible.

The minimum coverage requirement in most states is Liability Insurance. It covers two important forms of financial responsibility as follows:

1. Bodily Injury Liability: a driver who causes an accident (the at-fault party) must cover all medical cost for the treatment of non at-fault party. Treatment and rehabilitation for physical injuries can cost a lot of money on the at-fault’s part without this coverage.

2. Property Damage Liability: the at-fault party should be responsible for vehicle/property damages as well. The cost for vehicle repair or replacement is the at-fault’s burden to bear. The coverage helps cover the expenses.

Liability insurance does not cover medical treatment and vehicle repair for the at-fault’s part. Drivers have to understand that one of the main purposes of auto insurance is to show that they are responsible for any accident that they may cause while they are driving.

Beyond the Road

Auto insurance is not just mandatory requirement by the state. Many (if not all) lenders are reluctant to finance a vehicle unless the borrower agrees to purchase at least minimum coverage requirement. In some cases, lenders also need some optional coverage types such as Collision and Comprehensive to protect the value of the vehicle in the event of both collision and non-collision crashes.

· Collision: in the event of collision after which the policyholder’s vehicle sustains damages, collision coverage helps to pay for repair expense. From lender’s perspectives, Collision coverage helps to maintain the value of the vehicle at least until the policyholder pays if off.

· Comprehensive: when damages are from non-collision instances for examples vandalism, animals, fire, and falling objects, Comprehensive coverage helps to cover the repair cost.

Many lenders require both coverage types before they allow a borrower to drive the car away. Even if the state’s DMV regard the coverage as optional, driver must accept that lenders can make the coverage mandatory for as long as the lease period is valid.

Not-At-Fault

Although it seems that auto insurance is only important for the at-fault party in an accident, the not-at-fault also needs auto insurance for legal reasons. For example: when an uninsured driver becomes the victim in an accident, the police officers in duty should still ask the driver to produce proof of financial responsibility. Failure to produce insurance card or similar document will result in driver license suspension. In worst case scenario, there will be fines, punishment in form of voluntary service for the community, or jail times. No matter what the punishments are, uninsured drivers are in real risks of difficult consequences.

High-Risk Drivers

In the states where auto insurance is mandatory, uninsured drivers (even when they are not at-fault in an accident) also have to deal with potential drivers’ status relegation from low-risk to high-risk; in this case, higher is worse. In the U.S., there are plenty of traffic checkpoints where police officers have the rights to ask for drivers’ insurance information. For those who drive without proof of insurance, there can be penalties such as SR-22 requirement. SR-22 is a certificate to guarantee that the holders will meet insurance requirement. The certificate also indicates high-risk driver status.

How to Deal with High-Risk Status

High-risk is not just a label to indicate a driver’s tendency to break traffic regulation, but it puts heavy weight that the holder must carry in terms of insurance. A high-risk driver cannot apply for random auto insurance and expect easy approval. Most insurers deny such application because they want to avoid potential expensive claims due to reckless behaviors behind the wheel. Once a driver gets his/her high-risk status, any typical insurance company is reluctant to provide coverage. The solution is to turn to non-standard auto insurer.

Standard vs. Non-Standard

Auto coverage from either standard or non-standard insurance company is the same, but there is big difference in price. Because non-standard insurers accept the fact that their customers are high-risk, they tend to charge more expensive premium rate. However, there are some companies from which high-risk drivers have options to lower the cost with discounts or payment options.

Good to Go Auto Insurance is the first name that comes to mind, with its abundant options of discounts for drivers or vehicles that meet the eligibility requirements. A completion of a Driver Course and the existence of Safety Device in vehicle can bring substantial price reductions. Other discounts are available for good students, loyal customers, and ticketless drivers.

Article Source: http://EzineArticles.com/9537472

Questions to Ask Before An Auto Insurance Purchase

Information about auto insurance companies and coverage options are available from multiple sources for examples the state’s department of insurance, magazines, and independent reviewers’ websites. Insurers operate within the scope of state’s regulations, so everyone will get more or less the same suggestions. There are laws that govern how insurance companies conduct their businesses. There is a clear boundary between legal and illegal practices, but customers still need to do their due diligence to not only avoid frauds but also purchase the right insurance policy that contains the right coverage from the right company.

Insurers have their own methods to determine price and coverage. Apart from company’s policy, customers’ personal data and previous DMV records, behaviors on the road are also essential. Two people who have the same car model and make can get different quotes because they have different records and preferences as well. Here are some questions policyholders must ask themselves before they decide to purchase coverage from any provider.

1. How Much Do They Drive?

More mileage per policy period means more expensive premium. A person who drives a car every day of the week to commute spends more time on the road, hence higher risk of accidents. Distance between home and workplace also helps determine auto insurance premium. Therefore, someone who drives short distance should pay less for auto insurance coverage. Some companies provide discounts for low mileage, too.

2. Do They Use Their Cars for Commercial Purposes?

There are two types of auto insurance policy: personal and commercial. Personal auto insurance is for those who drive for personal purposes for examples to their workplaces or leisure travels. All types of coverage in the policy protect the safety of the drivers and cars. Commercial auto insurance provides more complete protections such as for cargo or passengers (who are not from the same household). Financial protection for cargo means more expensive premium, but this is necessary from business point of view.

3. Do They Have Any Emotional Attachment with Their Cars?

People who love their cars very much need the best protections available from providers. In addition to minimum coverage requirement by the state, optional coverage is necessary to protect cars from wide range of potential dangers. Collision, Comprehensive, and Road Assistance are not mandatory, but they must purchase such coverage for better protections. Additional coverage increases premium rate.

4. Does Anybody Else Drive the Car?

Other drivers (for examples spouse, children, or anybody who lives in the same household) must put their names in the policy. Additional drivers mean more expensive premium, but it can be cheaper when the other driver is a teenager. Insurance companies tend to think of young drivers as high-risk, so it is best to list their names as secondary drivers to minimize cost.

5. What Type of Cars Do They Drive?

Cars with minimum safety features cost more to insure. Sports cars or luxurious models are expensive to repair, and this is why auto insurance providers charge higher premium.

6. Do They Own or Lease the Cars?

Full ownership of the car grants the right to choose any combination of insurance coverage available from provider. When the car is still under lease or finance agreement, the financial service that leases the vehicle often requires driver to include specific type of coverage as part of the deal. In this case, total cost for insurance is almost always more expensive than the amount full owners have to pay.

7. Where Do They Park?

Policyholders’ address is also an important thing to consider. People who park their cars in urban areas where crime rate is high tend to pay higher for auto insurance. There is higher risk of theft and vandalism in the area, so additional protection is necessary. Car owners who live in suburbs often pay less.

8. Do They Have Any Traffic Violation History?

Traffic law violations in the past affect the current premium rate. Records of DUI, involvement in major accidents, improper turn, and failure to produce driver license or insurance card affect premium. When an insurance company thinks that a driver is too risky to insure, the driver needs non-standard auto insurance. The term “non-standard” refers to coverage for high-risk drivers.

A high-risk driver is anyone who has records of DUI, multiple accidents, recurrent violations, and insurance claims. Young drivers, due to the lack of experience behind the wheel, can also fall under high-risk category. When it comes to non-standard policy for high-risk drivers, Rodney D Young Car Insurance is one of the first names to cross the mind.

Article Source: http://EzineArticles.com/9569284