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More Quiet Auto Insurance Discounts You May Have Missed!

admin — Fri, 14 Oct 2011 14:05:44 +0000

Have You Missed These Hidden Auto Insurance Discounts?

Did You Miss These Hidden Discounts?

We are always searching for different ways to give our readers the best car insurance at the best price. Of course, one simple tip is to simply compare insurance quotes! But sometimes consumers and agents miss these hidden car insurance discounts.

Nobody is really trying to cover up any ways to help you save money. But these lesser known price breaks just tend to get missed. Knowledge really is power, and when you know what to ask for, it can help you save a lot of money while keeping top quality coverage.

What Is A Consumer’s Largest Expense?

Did you know the second largest expenditure for the average consumer is transportation? The cost of vehicles purchased is an average of $3,244 per year, making it 6.5 percent of the average budget. The cost of oil and gas for vehicles costs the average consumer $2,384 per year, for an average of 4.8 percent of the total yearly budget. Combined, the cost of vehicles and their maintenance costs consumers an average of $8,758 per year. This is a total of 17.6 percent of the yearly budget.

This figure does not even include insuring your vehicle. Considering how expensive it is to own and operate a car you want to look for savings anywhere you can get them. There are savings to be had in your auto insurance premium that you probably are not aware of.

Common Auto Insurance Discounts

If you have tried to get your auto insurance cost down you probably know about the standard discounts. The first and foremost is being a good driver because that makes you a lower risk to the insurance company. Good credit is another big one that many people are not aware of. Many companies look at your credit rating before calculating a rate to give you so you should always try to keep your credit rating as high as possible. Insurance companies also base your premium on the kind of car you drive. If you are purchasing a car always consider the safety ratings on the car you want to buy. It is easy to get the information online about which cars insurance companies are offering lower rates on.

Here are some unusual discounts that people generally don’t know about:

Low risk occupation auto insurance discount – Insurance companies keep their formulas as secret as Google keeps their algorithms but it’s generally known that engineers cause the fewest accidents. Accountants and teachers are also considered very safe drivers. So, if you work in one these occupations be sure to mention it to your insurer (if your occupation isn’t already listed on your policy application). If you’re not employed in these professions, ask your agent or a customer service rep about your job to see if you might quality for a low risk occupational auto insurance discount.

Renewal discount – A discount that most people overlook is a renewal discount. If you have not lost your insurance due to bad driving, numerous accidents or non payment then you are a valuable customer. Your insurance company knows that it takes more money to sign up new customers than to keep existing customers so they should be willing to give a little something to keep you. Make sure you ask about the renewal discount because it may not be something they offer to you unless you bring it up.

Alumnus discount – Some companies have a list of schools and if you’re an alumnus, you could earn a discount. Check with your insurance company to see if you qualify. Again, often your insurance company won’t tell you about these discounts but if you ask you may save yourself some money.

More Discounts We May Have Missed?

Do you know about any more car insurance discounts that we may have missed? Feel free to register for free and leave your best tips in the comments!

Best Auto Safety Features – 2011

FinanceGuy — Sun, 10 Apr 2011 13:38:00 +0000

Features of Safer Cars in 2011

Why worry about auto safety features? Some features that come on newer model cars almost seem like stuff from science fiction. They can keep drivers and passengers safer. Some can even minimize the risk of accidents so they help protect other vehicles on the road. Beyond protecting property and people, they may help vehicle orders get substantial car insurance discounts! In the long run, they can save life, cars, and money!

Make Cars Safer and Cheaper To Insure!

If you look at 2011′s cheapest cars to insure, you may note that some of these vehicles are equipped with modern safety features too. Of course, there are other factors about vehicles that make them cheaper to insure. The article I linked to in this paragraph gives an overview.

1. Electronic stability control – This feature will be required on all new passenger vehicles by 2012. This feature helps your car sense a skid and works with the car’s antilock brakes to regain control of the vehicle.
2. Air Bags – Insurance companies really like airbags and the more you have the more they like it. So you want to look for cars that have what is called “side” or “side-torso bags” which protect front occupants from a side impact. Side curtain bags inflate from the roof, reducing head injuries for all those in the car.
3. Anti-Lock Brakes – If you brake suddenly, anti-lock brakes will stop your wheels from locking up. This shortens your stopping distance and as with electronic stability control helps you maintain better control of the vehicle. Although NOT all states make it mandatory for insurers to give discounts to policyholders who have this feature, it is worth bringing it up with your agent.
4. Automatic Seat Belts and Safety Belt pretensioners – The automatic seat belt feature forces drivers to fasten their seat belts by preventing the car from moving until the seat belt has been engaged. Safety Belt pretensioners are sensors that trigger a device that instantly takes up any slack in the front belts. A tighter seat belt helps prevent you from coming into contact with the car and also decreases the possibility you will be thrown from the car.
5. Theft-Deterrent Features: Steering wheel locks, brake pedal locks, car alarms, passive immobilizers and vehicle tracking systems such as Lojack. Also, having your VIN imprinted on your windows will help discourage thieves as this will make it harder for them to resell your car. You can also have the the VIN etched onto your fenders or bumpers.
6. Lane marker warning systems – The latest lane departure warning systems use a camera to detect if your wheels are crossing the lane divider. If you’ have not activated your turn signal at the time, you’ll be alerted. An alarm may sound or the seat or steering wheel will vibrate.

Also look at this related article: Safer Cars For Senior Citizens

Are You Missing Car Insurance Discounts?

David — Tue, 09 Nov 2010 17:15:53 +0000

Why Miss Great Car Insurance Discounts and Deals?

You may have kept the same policy with the same company for many years. I know some vehicle owners who have kept the same insurer for ten, twenty, or thirty years! Since they pay their premium through an automatic bank transaction, they do not ever even think about the policy until they need to use it.

It may seem easier to just stick with your old insurer. But that could be a financial mistake. Most of the time, experts advise vehiccle owners to compare policies every twelve months or so. You could be missing out on a better deal or car insurance discounts that could save you money without having to give up coverage!

Car insurers enter and leave markets all the time. Even if your old company has been around awhile, they have probably changed over the last few years. They do this to stay competitive and make profit. You cannot always know if the same insurer will be the best choice like they were five years ago.

Another thing that will change is your own lifestyle and driving habits. If you have changed jobs, added a younger driver, or moved, you probably should evaluate your current auto policy. Some other subtle changes may raise or lower your premiums as well.

When was the last time you made an appointment with an insurance agent? Agents are great resources, and they can help you find the best deals. But your old agent may not be proactive about calling you. You may be missing a lot of good discounts because you have not taken the time to find them.

What are some policy discounts that can save you money, and that you do not already know about?

If you are aware of all of the discounts you can get, you may be able to save quite a bit of money. In fact, when you know about certain discounts, it may even change your mind about what type of vehicle to buy in the future.

Hybrid vehicles earn a new discount with some big insurance companies. Insurers have found that green car owners tend to be better risks to insure. If you already own a hybrid car, this may help you. If you want to buy a new car, this could motivate you to buy a new green car!

Many consumers take advantage of different multiple policy discounts. Many people benefit from covering their home and autos with the same company. This can also work if you own multiple vehicles. If you are not a home owners, you may find some insurers who will offer a discount for a car and renters policy too!

How long has it been since you have taken a drivers safety class. The classes only take up a little bit of your time, and you can find some you can complete from your home PC or DVD player! The reward of saving quite a bit of money with a defensive drivers class discount is worth it for most of us.

Is it hard to find the right discounts that can save your family quite a bit of money? Actually, you can use a quick online quote form to help you compare rates. You will be matched with good insurers for a driver like you. This is a very easy thing to do, and in the course of a few months, it can save you hundreds of dollars on your insurance premiums.

Not One Best Home and Car Insurance Company For All!

FinanceGuy — Sat, 10 Jul 2010 15:49:00 +0000

How To Find The Best Auto and Home Insurance Deals For You!

No Best Insurer For All!

So many people own homes and cars. They ask this question:

What is the best auto and home insurance company?

In most areas, there are dozens of competitive insurers who are all spending a lot of money competing for your business. If there was one right answer to the question of which one was the best, I am sure there would be less insurers. Each one has their own bottom line, underwriting guidelines, and discounts they can offer to consumers So the question should be, how can you find the right insurer for your family!

Visit This Page: Best Auto Home Insurance Quotes

As you know, your rates are determined by the insurer because of many individual factors that will end up being unique for every family. Your car insurance rates will be affected by your age, driving history, the type of car, and how the car is used (plus quite a few other things). Your home insurance rates will be determined by the age and value of your home, where you live, your policy deductible, etc.

Insurers are not all the same! I found this out the hard way after I had to add a new driver to my policy. The insurer who gave such great rates to me, as a middle aged driver with a fairly clean driving history, tripled those rates when I added my son! And that company did not even offer home policies, so I had to shop elsewhere for that policy!

I did shop around a bit, and then I ended up with a larger company that was willing to work harder to absorb the risk of the new driver in order to get all of my other business which included auto, home, and business policies! I ended up saving about two hundred bucks a month which was quite signifigant to me!

The trick here is to find an easy way to compare quotes and get the best homeowners insurance company for a family like yours. These days, internet quote forms make this pretty easy. And be sure to take advantage of car and home discounts that large insurers will offer because it helps them save money on marketing and administration too!

You can start here – Compare Insurance Rates with our safe and free online forms!

Low Mileage Car Insurance Discounts

admin — Fri, 09 Apr 2010 15:18:19 +0000

Can Sunday Drivers or Soccer Moms Get Low Mileage Car Insurance Discounts?

I have seen a lot of ads for low mileage auto insurance discounts recently. Some make claims that insurers will charge you less if you drive less. This does make sense since people who do not drive very much seem like they should have a lower risk of having an auto accident. Since a lot of people keep a car, but do not use it very much, this way to save money looked worth looking into.

Yes, You Can!

I believe that average drivers are expected to put about 12,000 miles a year on their vehicles. A lot of auto isurance companies, including State Farm Mutual Insurance Cos., Travelers Cos. and Farmers Insurance Group say that drivers who log less than about 7,500 miles a year may be eligible for low mileage discounts that lower the price about 10%. If you pay $1,8000 a year for your premiums, this is $180 a year of savings. State Farm’s program earns drivers even more of a discount, ranging from 12% to 18%, according to spokesman Dick Luedke.

Progressive insurance handles this a little differently. They actually ask their customers to install a sort of tracker in the car. It logs mileage, but also the way the car is driven. A customer service rep said that the speed, and the way the car is stopped and started will be noted. If the driver cooperates and qualifies, they can earn substantial discounts.

Does Your Insurer Offer Low Mileage Discounts?

So, apparently, you may qualify for auto insurance discounts if you drive infrequently, or if you drive in a way that lowers your risks. If you think you should be entitled to a break like this, be sure and ask your current insurer about it. If your current company does not offer this, it may be time to compare auto insurance quotes to find a company that charges less for a driver like you!

Are Women Better Drivers?

admin — Tue, 17 Mar 2009 00:38:31 +0000

Car Insurance For Women

Can you find reduced car insurance premiums for female drivers?

Did you hear some jokes about females driving? Well, despite the silly jokes, female drivers really are careful drivers according to big insurers. Those insurers keep careful records on auto insurance claims and accidents and they use these statistics to set their rates. And the ladies tend to make lower amounts of claims. You may think that this is only true because women do not drive as much, but you would be wrong! That works out to be true, even if you account for men drivers driving more miles!

Are Females Better Drivers?

Males may drive more than female drivers. They should be faster, have better reflexes, and be more experienced. So why do women make fewer accident claims? Why can you find low cost car insurance for women?

Women may be more cautious. Men may be more agressive Women may also tend to look for safer cars. Men may choose sportier cars, but not always purchase according to which car has the newest safety features. If the safety features of a car have been proven to help lower accident rates, an auto insurance comapny will be sure and offer a discount to encourage their customers to add those features.

What does this mean to you? Be sure you take advantage of auto insurance discounts for woman drivers. This is really important if a female driver is under 25, because price differences between younger women and younger men are huge! If you are looking for under 25 car insurance, be sure to specify if you are looking for a male or female driver.

Car insurance companies use unique calculations in order to set rates. But they use unique scales of importance. Make sure you find thecar insurance company who offers low cost womens car insurance as one essential part of the way they calculate cost.

You should compare car insurance quotes the easy way. Use fast, safe, and free insurer quote forms to get back many plans and policies in your local area. This should save you time and money.

Control The Cost of Car Insurance

admin — Mon, 09 Mar 2009 20:00:17 +0000

Do you need help controlling the cost of auto insurance?

Right now, when many people cannot predict their incomes and are losing jobs, it is important to slash those monthly bills. However, we certainly do not want to advise anybody to cut bills at the cost of losing valuable coverage! This is no time to be left without transportation if you do need to make a car insurance claim to repair your car. So be very wary of any really cheap car insurance deals because they may be cutting out certain coverage to lower their rates.

Look At Your Deductible

The difference in premium between a $250 deductible and a $1000 deductible is substantial. If you are disciplined enough to save that premium difference in case you do need to come up with out of pocket repairs, you will probably come out ahead. However, if you cannot afford to pay that $750 difference if you do have an accident, you should probably stay with the lower car insurance deductible amount.

Shop Around For Car Insurance Rates

Do shop around, but keep in mind my previous warning. It is very possible to find auto insurance discounts that can lower your premium with another company. Just make sure you are exchanging apples and apples, and do not get lower rates because you gave up important coverage.

Be Wary Of Really Cheap Car Insurance

Some agents may talk you into dropping collision coverage on an older car, but that may not be a good idea. If you do have an accident, can you afford to replace that car. Please take that into consideration before you decide to save a few dollars a month.

You can use our fast, safe, and free auto insurance quote forms to find the more competitve quotes from top insurers. We want to save you time and money, but we also want you to have good car insurance!

Insurance After Car Accidents

admin — Wed, 31 Dec 2008 19:26:26 +0000

Need Low Rates after a Car Accident?

Are you having trouble finding the best car insurance quotes because you have had a car accident. Well, car insurance after an accident can be challenging but you should not be penalized for one or two claims on your record, and if your current insurer is not helpful, it is time to shop around! Sometimes people find their premiums go up after an accident, even when the accident is not their fault.

Discounts For Things You Do To Be A Safe Driver

Look for auto insurance discounts that can offset any premium increase. Combining multiple policies, taking a defensive driving course, and making sure you car is safe are some simple ways to save hundreds of dollars every year on your premiums.

Young Drivers Are Tough To Insure

It can really be tough to insure a young or inexperienced driver because they do not even have a driving history of their own. Find young driver car insurance tips. Even a new driver can find some breaks if you know where to look!

In any case, we try to make it easy for you to compare plans and rate quotes so you can find the best company for your own indidivudal situation, or your family’s situation. We try to be the best insurance website because we do not work for an insurer, but we work for you.

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