March 28th, 2007
This is post two of two in a series about how life changing events can alter your car insurance needs.
I Don’t - Getting a Divorce
Unfortunately another huge and sometimes tragic event in one’s life is breaking the intended lifelong commitment of marriage. This is a life-changing event that most wouldn’t wish on your worst enemy; it can be a very painful time for all involved. No doubt you will be dealing with all kinds of business, financial, and family decisions. If you are going through divorce, one thing you will need to do once things are somewhat settled is to reevaluate your car insurance needs. You’re probably going to go from having two drivers and two cars on your plan to having only one driver. If there are children involved, especially those who are driving, it can complicate things. Chances are your rates are going to go up, but there are options that can help you keep your rates under control. Again, make sure you sit down with your agent to discuss all your options.
I Quit - Retirement
If you’re retiring, this is another life event that can bring a great deal of change to your life. More than likely you will not be working every day, and you may even decide to have some fun and travel. You need to reevaluate your car insurance needs at this point in time as well. Many retirees find that they no longer drive as many miles as they used to, and this makes them eligible for a discount on their car insurance rates.
Whether you are saying “I do,” “I don’t,” or “I quit,” it is a wise time to review your auto insurance policy. It’s important that you keep your insurance company up to date with what is going on in your life so they can provide you with the best coverage options possible. When you go through these changes in life, big or small, it’s always a good idea to keep your insurance company in the loop or even take time to shop around and see what other insurance companies are offering.
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March 28th, 2007
This is post one of two in a series about how life changing events can alter your car insurance needs.
There are a variety of life changes that have huge impacts on our entire lives and some of them include getting married, getting divorced, and retiring. While it’s easy to understand why these events have a great impact on your life, you may not realize that they also impact your car insurance and how much you pay for rates. If you are going through one of these life-changing experiences, then it may be time for you to take a second look at your car insurance as well.
I Do - Getting Married
If you’re getting married, it is probably one of the busiest and most exciting times in your life. No doubt you’re figuring out the logistics of two people combining their lives, but you may not have thought about how this new union will affect your insurance coverage, and in particular, your car insurance rates. Believe it or not, under most situations, you can expect to receive a nice little discount on your auto insurance once you’re married. What a great wedding gift! Make sure once your settled to set a time to speak with your agent and discuss the various new options that apply.
Typically, if you both have a car, you’ll be able to save by combining them both onto one policy. In addition, you can decrease your rates further by adding other types of insurance onto this policy, including life, renters or your homeowners policy. Since this is such a big change in your life, you may want to shop around a bit and compare rates to see which company can offer you the cheapest rates on your car insurance as well.
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December 5th, 2006
Continuing from our last post, here are five more ways that you can typically save money on car insurance rates with most car insurance companies.
- The type of vehicle you drive plays a big part; the more modest or conservative the car, the more conservative the cost of insurance, under most circumstances. Also the age of the car can play a part in how much coverage you want or need, although there is a minimum amount of coverage you need in each state. Check with your state DMV.Â
- Get a higher deductible. This is something you will have to weigh of course, pros and cons that is to raising your deductible. A higher deductible always equates to lower car insurance rates.
- Where you live plays a part. The more metropolitan an area, the higher your insurance rates tend to be; the more traffic you drive in, the more chance of an auto accident occuring. Living in the suburbs or out in a rural area can save you quite a bit when it comes to auto insurance.
- Combine all your car insurance policies into one policy. Multi-Car policy discounts can go a long way in saving you money. Not only that, having all cars on just one policy is much more convenient than dealing with multiple policies and multiple bills to pay each month or semi-annually.
- Lastly, many insurance companies allow you to not only package your various cars into one policy, they also allow you to package all your insurance needs into one policy, i.e renters insurance, homeowners insurance and more. Quite often, they will give you another discount for doing so.
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December 4th, 2006
Sometimes, buying car insurance can be confusing, and even complex. But like anything else, the more you’re educated on the details of what you’re shopping for, the more money you tend to save. This is part one of two posts. We’ll cover the first four ways you can save money below.
- Do your best to have a clean driving record. This means no tickets for speeding or other infractions, no accidents for at least three years. Whatever communicates risk or irresponsibility on your record will tend to raise your insurance rates.
- Having prior insurance for at least six months can be looked on as favorable. If you have current insurance, keep payments up to date, stay in good standing with the company, and don’t let your insurance coverage lapse.
- Keep your credit score as high as you can. The higher your credit score, the more “responsible” you will appear to be, which again works towards lowering your rates.
- Some insurance companies will throw a few points in your corner if you have a “defensive driver” certificate. This is a class you can take which will help you become a better defensive driver, assuming you apply their techniques. The course is typically about 4-6 hours and upon completion, again depending on who your insurance company is, you could receive up to a 10% discount on your insurance coverage.
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