I don't know about you but when it comes to car insurance groups, I find the whole thing a little confusing. However, with rising car insurance costs and ever increasing fuel prices, the insurance group is becoming an important factor when considering a new car purchase. Do you know what group your car is in?
There are lots of online resources available that help you compare car insurance prices and offer more details about the insurance group systems. Of course, there are other factors such as your postcode, driving history and whether the car will be parked on / off road that affect the price too. Still, something to think about when looking at buying a new car.
Showing posts with label car insurance. Show all posts
Showing posts with label car insurance. Show all posts
11/04/2012
05/02/2012
Car Insurance Can Be Cheaper For College Students
Car insurance is a requirement if you want to own and drive a vehicle in all 50 states of the USA. The minimum amounts of coverage vary from one state to another, but you must carry some level of coverage to protect yourself, other drivers and your vehicle.
As a student it can be rather difficult to find cheap student car insurance that is affordable for a number of reasons. Car insurance companies realize that younger individuals are more likely to get into an accident, and as a result they charge higher premiums to ensure they don’t lose money by insuring you. If you’re looking at an age limit, being under the age of 25 is the typical cutoff that insurance companies set to determine whether you’re a high-risk driver.
All hope isn’t lost though. It is possible to find affordable car insurance as a student but it requires some work on your part. The first thing you should do is shop around. Don’t go with the first company that you see an advertisement for or select one based on what your parents say. Rates will vary based on a number of factors including your age, how long you’ve had a license and if you have a clean driving record. It’s free to obtain quotes and many websites will actually compare quotes from multiple companies so you can make an educated decision about which one to choose.
Once you select a company make sure that you’re receiving all the discounts that you’re eligible for. Insurance companies give discounts for safety and security features on your vehicle such as anti-lock brakes, VIN etching or a security system. If you’re unsure of whether you have a specific feature consult with your owner’s manual.
You can also receive discounts from your insurance company if you are a student. Some companies give a small discount if you’re attending high school or college. Take advantage of the discounts because a few dollars here or there really adds up to a lot over time.
You can also get a cheaper policy if you pay in advance. Insurance companies typically tack on an additional fee if you pay monthly, which increases your overall policy cost. Since most insurance policies are six months long, pay the six month premium ahead of time and eliminate the monthly add-on instalment fees. Take a class in defensive driving or a driver safety course. While the discount won’t be permanent, it typically lasts from six months to two years and will reduce the premium on your policy for a while.
Something else you can do that will ensure that your premium costs aren’t through the roof is to keep a clean driving record. Obey the rules of the road and never drive under the influence of substances that can impair your driving ability and increase the chances that you will end up getting in an accident. Student car insurance shouldn’t have to cost your entire paycheque if you shop smart and take your time when selecting a provider.
As a student it can be rather difficult to find cheap student car insurance that is affordable for a number of reasons. Car insurance companies realize that younger individuals are more likely to get into an accident, and as a result they charge higher premiums to ensure they don’t lose money by insuring you. If you’re looking at an age limit, being under the age of 25 is the typical cutoff that insurance companies set to determine whether you’re a high-risk driver.
All hope isn’t lost though. It is possible to find affordable car insurance as a student but it requires some work on your part. The first thing you should do is shop around. Don’t go with the first company that you see an advertisement for or select one based on what your parents say. Rates will vary based on a number of factors including your age, how long you’ve had a license and if you have a clean driving record. It’s free to obtain quotes and many websites will actually compare quotes from multiple companies so you can make an educated decision about which one to choose.
Once you select a company make sure that you’re receiving all the discounts that you’re eligible for. Insurance companies give discounts for safety and security features on your vehicle such as anti-lock brakes, VIN etching or a security system. If you’re unsure of whether you have a specific feature consult with your owner’s manual.
You can also receive discounts from your insurance company if you are a student. Some companies give a small discount if you’re attending high school or college. Take advantage of the discounts because a few dollars here or there really adds up to a lot over time.
You can also get a cheaper policy if you pay in advance. Insurance companies typically tack on an additional fee if you pay monthly, which increases your overall policy cost. Since most insurance policies are six months long, pay the six month premium ahead of time and eliminate the monthly add-on instalment fees. Take a class in defensive driving or a driver safety course. While the discount won’t be permanent, it typically lasts from six months to two years and will reduce the premium on your policy for a while.
Something else you can do that will ensure that your premium costs aren’t through the roof is to keep a clean driving record. Obey the rules of the road and never drive under the influence of substances that can impair your driving ability and increase the chances that you will end up getting in an accident. Student car insurance shouldn’t have to cost your entire paycheque if you shop smart and take your time when selecting a provider.
25/01/2012
Car Insurance Online
Guest post: The internet has changed the way in which many of us live our daily lives. We use the internet to stay in touch with friends, do our shopping and even conduct our banking. Now you can also shop for and apply for your car insurance online to find the best car insurance deal.
One of the main reasons people choose to shop for their car insurance online would be because it is a lot more convenient. You can obtain and compare quotes easily and efficiently. The internet is a wonderful research tool that allows you to find out everything you need to know about a car insurance provider or car insurance in general without leaving the comfort of your own home.
How To Find Car Insurance Online
The first step to shopping for car insurance online would be to decide which online search engine you would like to us. There are a variety of free online search engines available and you should choose the one which you are most comfortable working with. You then simply enter the search phrase into the search engine and then wait for the results.
A great place to start would be to search for car insurance providers in your area. You can then access each of their websites in turn to find out more about their services and products. Many car insurance providers will have an online form that will allow you to request a quote online for car cover.
This quote is usually emailed straight to your email inbox. You may compare each quote received to see which service provider offers you the best value for your money.
The last step would be to research each car insurance provider online. You can find online reviews that would give you an idea of what other people experienced when taking out a car insurance policy with that particular insurance company.
The information gathered will give you all the insight you need to make a decision. You may then go ahead and purchase your car insurance online as well. Other tools, including vehicle tracker may be worth considering.
20/05/2010
Might be getting an MG convertible - watch this space!
So, the opportunity has arisen for me to finally own the car I have been lusting after for many years...an MG F convertible.
Only problem is that the car in question has a dodgy battery so will need to get that sorted first. Fortunately I have a mechanic friend who is pretty confident that the problem is easy to solve and my garage are really great so will check it over and fit a new battery for a very reasonable price.
I have car insurance sorted and my AA breakdown cover is valid for any car I drive so that's good too. Have the car for the weekend on a 'try before you buy' type basis but I'm sure I'm going to love it then my garage will fix it up for me on Monday morning! Yay!
You may be wondering where the Matiz will be going, it wont be going far. I'll keep her as well and my little brother will also look after Lily K the Matiz!
Exciting times! :)
Only problem is that the car in question has a dodgy battery so will need to get that sorted first. Fortunately I have a mechanic friend who is pretty confident that the problem is easy to solve and my garage are really great so will check it over and fit a new battery for a very reasonable price.
I have car insurance sorted and my AA breakdown cover is valid for any car I drive so that's good too. Have the car for the weekend on a 'try before you buy' type basis but I'm sure I'm going to love it then my garage will fix it up for me on Monday morning! Yay!
You may be wondering where the Matiz will be going, it wont be going far. I'll keep her as well and my little brother will also look after Lily K the Matiz!
Exciting times! :)
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