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Low Rate Car Insurance - 4 Ways to Help Your Teen Get Lower Car Insurance Rates (Part Two)

March 5th, 2007

This is post two of two in a series regarding ways you can help your teenager get low rate car insurance.

Tip#3 - Encourage Good Grades
Most car insurance companies will offer discounts for teenagers that have better than a “B” average in school. You can save up to 10% if your student keeps up the good grades, so encourage your teen by offering incentives to keep their grades up. Offering an incentive for good grades can also help to keep them working hard and applying themselves at school. You may even want to figure out how much money you’re saving on insurance when they get good grades and then pay them the amount that you save. This is an excellent motivation for teens to keep their grades up and to teach them how they can save on their car insurance.

Tip#4 - Driver Education
Having your teenager take a driver education class can be a great way to help teach them important laws and lessons about driving. If they take a certified course, you may also be eligible for discounts on your car insurance rates as well. If you are not sure which classes will qualify for a discount from your insurance company, then give them a call and find out before you pay for your teen to take the class.

Following these tips can help you get your teenager through those first years of being a driver without having to pay extreme amounts on car insurance. Remember, while car insurance rates for your teen driver will probably be a bit higher, you can help them achieve lower insurance rates with a little work.

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    Low Rate Car Insurance - 4 Ways to Help Your Teen Get Lower Car Insurance Rates

    March 5th, 2007

    This is post one of two in a series regarding ways you can help your teenager get low rate car insurance.

    Statistics show that teenage drivers are far more likely to be involved in vehicle crashes, and these statistics tend to raise car insurance rates for teenage drivers. Parents that have teenagers that are learning to drive can expect to pay rates that are a bit higher for their teen. However, there are a variety of ways that you can work together with your teenager to get lower rates on your car insurance.

    Tip#1 - Teach Your Teen the Laws
    One of the best ways that your teen can get low rate car insurance is by keeping their driving record totally clean. In order for teens to keep a clean driving record, they need to know and understand the traffic laws. As a parent, you need to make sure that your teen studies the laws and understands what they mean and how they apply to driving. Remember that some states have laws that only pertain to new drivers, so be sure that your teen is aware of those laws as well. Not only should you have them read and learn the laws for driving, but you also need to help teach the laws by your example. Follow the traffic laws yourself when you are driving and communicate to your teen how important the laws are for everyone’s safety.

    Tip#2 - Add Your Teenager to Your Policy
    While some parents tend to set up separate insurance policies for their teenager, you can save a great deal of money if you add them to your current policy. It’s possible that the discounts you’re already getting on your policy could carry over to them as well and if you buy them a separate vehicle to drive, you can get an even better discount for adding another car to your policy.

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    Low Rate Car Insurance - How Much Car Insurance Do I Need?

    November 15th, 2006

    How much car insurance you need really depends on your situation, age, car you drive, location you drive in, number of miles you drive and a number of other variables. But according to a handful of insurance companies, there are three general questions that can help you on your way…

    First, should I even get collision and comprehensive coverage? According to state law, you may be required to carry one or the other or both. Each state has it’s own minimum requirements. As your car decreases in value vs. the loan amount on the car, you will need to weigh how much coverage you need, if any at all. If your car is heavily damaged in an accident, will you have enough to cover it so it can provide for your transportation needs?

    Second, if I do get collision and comprehensive car insurance, how high or low should my deductibles be? The higher the deductible, the lower your car insurance premium will be. You need to crunch numbers though and ask yourself, how much could you afford to shell out if you were in an auto accident. Take into consideration that it would be a lump sum, not something you could pay over an extended period unless you made outside financial arrangements.

    Lastly, how much liability coverage do I need? This is a difficult question but you need to estimate how much you would have to pay if you were to cause a car accident. These are numbers that are best covered with your agent because he can give you some general guidelines and suggest what might work in your specific situation. The higher your coverage limits are, the more peace-of-mind you’ll have and the more likely your coverage will absorb any damages.

    Again, the key with any insurance is one, you must legally carry it and two, what is practical. Insurance is all about peace-of-mind, really. You want enough to protect yourself but overkill is just a waste of money. Go over all your options with your agent and don’t be afraid to ask any questions. The more thorough you are, the more confidence you will have in making the right decision.

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    Low Rate Car Insurance - New Collector Car Insurance in the UK

    November 3rd, 2006

    According to Easier News and Classifieds (easier.com), Hagerty International, a specialty insurance company, has said that insurance rates developed specifically for the 2006 London to Brighton Veteran Car Run in early November, are now being made available to all owners of veteran and vintage cars in the UK.

    In January of 2006, Hagerty International and Allianz Cornhill launched a partnership, forming the UK arm of the Michigan-based Hagerty Insurance Agency, the largest collectors car and boat broker in the world. John Border of Allianz Cornhill states, “We have a long history of writing classic car insurance, and are now able to serve a wider and more specialised market.”

    Angus Forsyth of Haggerty International concludes, “We have established one of the few true collector car specialists in the UK. Britain is a veritable hotbed of classic car collectors and we are offering them the best premium rates for the most comprehensive policy.”

    So, if you’re an owner of a collectible car in the UK, keep your options open and check in with your insurance agent to see if you can save some money on your premium based on this recent news.

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