Looking for cheap car insurance?

Top Ways to Change Your Current Car Insurance into Cheap Insurance:

Get Theft Devices: Most new cars have theft devices. Some are automatic and some have to be started at the touch of a button, but all usually get discounts on car insurance. Also, some states provide extra discounts for such things as window sketching.

Ask for a Multiple Car Discount: Did you know sometimes insuring two cars can be the same price as insuring one? If not the same price, insuring another car usually does not cost as much as you may think. If you have two cars, it is very wise to check with your insurance agent, or while obtaining your online insurance quote, to make sure you can get this discount on your car insurance. Also, if you are planning to sell a second car, the cheap car insurance trick would be to keep that car on just liability to get your multiple car discount. Sometimes people are surprised when they call their car insurance company to take a car off of their insurance, only to find that their price did not go down but possibly increased!

Stick With Yearly Policies: Choosing a yearly policy can extend your savings on your car insurance. Purchasing a yearly policy instead of a six month policy gives you a rate that cannot be changed for one year vs. changing every six months.

Look Into Comprehensive Storage Coverage: If you are planning to store your car for any period of time, you can save on your car insurance by only keeping comprehensive coverage during the storage time. Since the car would be stored, it is very unlikely it will get in a collision or need the liability coverage.

Re-Check Your Mileage: This is a great way to get cheap car insurance: If you are really close to the "miles to work" break-off, you may want to check your mileage closely. When your car insurance company or insurance agent asks you "How many miles do you drive to work one way?" this is a crucial question that will designate you into a particular class. Each class can have significant differences in prices.

Look for a Group Discount: Many companies offer a discount on car insurance for being affiliated with certain organizations. These can range from credit unions, college sororities, or just having a certain credit card. Call your service center and ask them for a list of organization affiliations.

Lower Liability, Comprehensive, Collision, or Medical Payments Coverages: Of course, you can lower your basic coverages but it may just give you the cheap insurance you need right no!. Comprehensive and collision are probably the first to look at lowering by increasing your deductibles on your car insurance. Most vehicles that are on bank loans can have up to a $1000 deductible. Next, lowering your liability and medical payments could help, but only if you are having a hard time paying for your premium and is not recommended for general savings.

Make EFT Payments: Many car insurance companies are now charging up to $5.00 or more for mail payments, but sometimes nothing if you choose to have payments automatically deducted. And, sometimes the deductions can come from your credit card, so you don't have to worry if the money will be in your bank account when payment time comes.

Read more...

More help! Save money on insurance!

Tip #1: Reduce your 'deductibles' or increase your 'excess'. Clip out any and all coverage that you may not need. This can be ascertained by looking over the past record of coverage and claims. In case you are a good driver, you can gain by getting a good driver discount as well as by reducing deductibles that you may not need.

In Britain, increasing your excess means increasing the amount you won't need the assurance company to compensate you for. If your excess is £500, and you do £499 worth of damage to your car, you get nothing. Bumping up your excess means you get a lower premium.




Tip #2: Know your car. The type of automobile you drive may attract a higher assurance premium. Certain models and sports automobiles are mostly targeted for stealing and hence the premium to cover them is higher. In case you are opting to buy a car, do a little research on this before you buy.

Tip #3: Since your automobile assurance premium also depends upon your risk profile, it is important to drive safely and carefully. If you have a record of a couple of speeding tickets and 2 accidents in the past year, then this whole exercise is not for you. Cheap car insurance for you is just not possible. However, if you are a safe driver, you can opt for the good driver discounts.

Tip #4: Installing anti-theft and other safety devices on your automobile can get you a good waiver on the premiums. Inform the automobile assurance company about these safety gadgets and they will give you reduced premiums without much ado.

Tip #5: Go through your renewal notice with a fine tooth comb. Reevaluate the policy and list out all coverage that can be eliminated. The situation is a little different from last year, you may not have had any accidents, you could have installed new safety gadgets in your automobile or you were not aware of certain discounts you qualify for. Ask the company to reduce the premium accordingly and you will end up with reduced annual premiums without much fuss.

Read more...

Have you thought about provisional insurance?

Sometimes it is cheaper to find an insurer who is cheaper for Full insurance, yet more for provisional, and so to save money you can take out a policy for provisional only.
Try collingwood for example; I have a testimonial from a friend who recommends them:
http://www.collingwoodlearners.co.uk/
However, it is of course usually cheaper to stick with your full insurer.

As with all insurance tips: TRY EVERYTHING, FIND OUT EVERYTHING, SAVE EVERYTHING!!

Read more...

Tips with Auto's

Students across the country are gearing up to go back to school, which means shopping for everything from clothes to school supplies. If you're a parent of a newly licensed teen driver, there's one more "must-have" added into the mix: auto insurance.

According to the Insurance Institute for Highway Safety (IIHS), drivers between the ages of 16 and 19 years old are four times more likely to be involved in an automobile crash than any other age group. So it's understandable why adding your teenage son or daughter to your auto insurance policy can result in a significant premium increase.

"The crash statistics are stunning, and the price increase that results from adding a teen to your policy can be, too," said Rick Crawley, a product development manager for Drive Insurance from Progressive. "Auto insurance companies charge premiums based on their cost of doing business, and because each company's costs are different, they each charge different rates. Just because you've been with the same insurance provider for years, that doesn't mean they are able to provide you with the best price - especially when adding a teen driver."

While it's nearly impossible to avoid a rate increase when you add a teen driver to your policy, the following tips may help curb the sticker shock.

Shop around. Each car insurance company's customers have different claims experiences which can result in each company charging drastically different rates for similar coverages. By simply shopping around you could save hundreds of dollars. Keep in mind that while some insurance companies offer good student discounts or discounts for taking a driving class, the key to savings is the final price. A company that offers new discounts may have a lower overall price.

Don't go solo. In a majority of cases, teen drivers who are added to their parents' policy benefit from their price breaks such as discounts for owning a home, having several vehicles, being married, etc.

Consider raising your deductibles. It's been estimated that raising your deductible to $500 could reduce your collision and comprehensive premium by 15 to 30 percent.

Ask an expert. An independent insurance agent or broker who represents a number of different companies can help ensure you are paired up with one that best meets your insurance and your budget needs.

"The good news is you can expect a teenager's rate to go down with time," said Crawley. "By being responsible now, teens can pave the way to lower rates in the future."

Read more...

Still want more help? Get those pesky Premiums down!

No matter what kind of vehicle you own, you need car insurance, especially since most states require drivers to carry a "proof of insurance" card. Since no two drivers are exactly alike, here is some helpful advice for you to use when looking for car insurance.

Car Insurance Advice: Make Good Use of the Internet

During your car insurance search, you can get a lot of mileage out of the Internet.
Most well-known car insurance companies have Web sites that contain rate quote calculators that help you determine what your car insurance premium will be.

Insurance.com offers a link to Progressive Direct, a car insurance company that works with many different insurance underwriters. Companies like Progressive Direct or AIG compare rate quotes from their various underwriters and offer car insurance rate comparisons to their clients. Using the Internet to shop around makes good sense and can save lots of dollars.

Car Insurance Advice: Location Makes a Difference

You might have a spotless driving record, but car insurance companies are concerned about all the other people that drive through your neighborhood. Insurers check the number of collisions around your home and will factor that into your rate quote. The more accidents in your area, the higher your car insurance premium is likely to be.

Some car insurance underwriters also offer what is called a "low-mileage discount," which means that if you drive a short distance to work, you can get a lower rate based on the amount of time you spend on the road each day.

No matter where you live or how long your morning commute takes you, talk to the insurance agent to see if you can get a better rate based on your good driving record or, if you are a new driver, see if you can negotiate a lower rate after one year of safe driving.

Car Insurance Advice: Raise Those Deductibles

Are you in a financial position to set aside $500 or $1,000 to use in case of a car accident? Buying a car insurance policy with a high deductible can reduce the monthly or annual premium. You will pay more out of pocket if you are involved in a collision, but choosing a higher deductible can save you money in the long run.

Car Insurance Advice: Reading, Writing, Arithmetic and Wrecks

After passing the written part of the driver's test, most people toss the driver's manual aside and never look at it again unless they have to take a driver's education course to get their license back.

Some car insurance companies do offer discounts to good drivers who take refresher courses in driver safety. When shopping around for car insurance, check to see which companies offer a lower rate for taking classes such as these.

Car Insurance Advice: How Old is Your Car?

Do you treat your car like NSA Agent John Casey, Adam Baldwin's character on NBC's "Chuck," who drives a 1985 Crown Victoria that he carefully washes by hand? Or do you own a vehicle that has been handed down to every member of your family and looks more like a tank and less like a car?

Before looking for car insurance, check the Kelly Blue Book value of your car to see if you really need comprehensive insurance or just liability. The Insurance Information Institute says that if your car is worth less than 10 times the car insurance premium, you may want to skip the comprehensive part of your coverage.

Read more...

More helpful advice!

any parents do not want their teenager behind the wheel of the family car, especially without affordable auto insurance. Their reasons are justified; the Insurance Institute for Highway Safety reports that accidents are four times more likely to happen with drivers between the ages 16 to 19. Having affordable car insurance seems near impossible.

In fact, car insurance for teenagers has the highest insurance rates available. Some teenagers are capable of driving safely, but the majority of them lack inexperience and can be easily distracted.

How To Get The Best Coverage For Your Teen

1. Shop Around

When looking for car insurance, it is best for you to compare and contrast different car insurance quotes to get the best deal. However, remember that a low auto insurance quote does not mean that the insurance policy covers everything.

2. Get your teenager to join your policy

Parents who sign their teen and their car to their auto insurance policy, everyone saves a good percentage of money. Most of all, the teen will benefit from his parents’ discounts.

3. Get your teenager to make good grades

If your teenager is a stellar student, you could get 10-25 percent off of your car insurance. However, you must talk about it to your insurance agent and provide the necessary proof, such as your teen’s report card. As long as your kid maintains their good grades, they will get the discount.

4. Buy cheap cars for youths

Car insurance premiums tend to skyrocket with pricier cars, such as sports car. If you you’re your teenager to have cheap auto insurance rates, you should buy them a reasonably priced automobile with high safety ratings.

5. Sit in the passenger seat and observe your teen drive

Before your teen drives on the road, make sure that you have the chance to let your teen drive you around. Be sure to go over the rules of the road with your teenager and correct what they are doing wrong without frustrating them. Also, be sure to give positive feedback when they obey the rules.

6. Have them understand the consequences of violating the rules of the road

Your auto insurance provider expects your teenager to get a traffic ticket. Therefore, make sure that you explain to your teen what the consequences are for violating a traffic law.

New teenaged drivers are typically nervous, so you should keep any criticism at a minimum. You should balance positive feedback with firm warnings. Many teenagers love the chance at driving a car and want to do so for a long time. Therefore, you should explain to them that there will be consequences, especially if their auto insurance rate increases. As long as you get the appropriate amount of car insurance for your teenager, the both of you will be happy drivers.

Read more...

More helpful tips!

Suggestions for keeping your car insurance premiums low

Most new and learner drivers are on a limited budget are looking for cheap car insurance. Here are some car insurance tips and suggestions to consider when trying to get a low cost motor insurance policy and keep premiums down: Opt to pay a higher excess in the event of an insurance claim.
If you have recently passed your driving test, investigate whether it would be cost-effective to complete the Pass Plus training programme to qualify for car insurance discounts.
Investigate buying car insurance online as some companies offer a worthwhile discount for policies purchased in this way.
If your vehicle is not fitted with an approved immobiliser, compare car insurance quotes with and without one fitted. It may be cost-effective to have one installed.
Limit the number of miles you drive each year, and tell insurance companies your typical annual mileage when getting quotes.
Use an insurance broker if you can't spare the time to 'phone or shop around to get quotations yourself. Alternatively, consider using an online comparison service such as Moneysupermarket.com or Q4 Insure to automatically compare motor insurance quotes from multiple providers.
If you are a student, include Endsleigh in the list of insurance companies that you contact for car insurance quotations.
Restrict the drivers on your car insurance policy. In particular, minimise the number of young drivers under twenty-five.
Drive a cheap car with a small engine.
Start building and protecting a 'no claims' bonus as soon as possible. In the long run, this will have a significant impact on your ability to get cheap car insurance.
Don't modify or customise your car.
If your car was very cheap, it may be cost-effective to have third-party, fire and theft insurance instead of fully comprehensive cover. Compare quotes.
Park your car in a locked garage or other, secure, off-street location overnight.
If you belong to a trade union or professional society check whether it has negotiated cheap car insurance policies for its members. If it has, include the associated insurer in the list of companies from whom you seek quotes.

Read more...