April 3rd, 2007
This is post one of two in a series describing ways senior citizens can help reduce their car insurance rates.
All drivers enjoy saving money on their car insurance rates, and senior citizens are no exception. Unfortunately for seniors, they actually fall into a high-risk bracket that may end up costing them more money on their car insurance premiums. While they may be paying rates a bit higher than people younger than them, who have less experience driving (go figure), there are a variety of ways that they can work to lower their rates as well.
Tip 1: Avoid Accidents - One of the surest ways to increase your car insurance rates is to be involved in an accident. Make sure that you’re always paying attention and driving defensively so you can avoid accidents that can cost you on your insurance premium - this tip of course applies to anyone behind the wheel, regardless of age. Be careful at intersections, use turn signals whenever applicable, and keep a safe distance between you and the car in front of you. Don’t take these things for granted just because you’re an experienced driver.
Tip 2: Stay with Traffic - While no one thinks that you have to be a speeding bullet while driving, it is important that you stay with the speed of traffic. Many seniors feel more comfortable and in control when driving slower, but actually driving too slow can be as dangerous, if not more so, than speeding. Just simply keeping up with the general flow of traffic can keep you safer and also prevent incidents of road rage as well. If you don’t feel comfortable driving during peek traffic periods, attempt to re-arrange your schedule and travel during lighter periods, or arrange to have someone else drive.
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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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