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I Do, I Don’t, I Quit - How Life Changes Affect Your Car Insurance Rates (Part Two)

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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    I Do, I Don’t, I Quit - How Life Changes Affect Your Car Insurance Rates

    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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    Average Car Insurance Rates | Tips When Shopping for Car Insurance Quotes (Part Two)

    This is post two of two in a series offering tips on how to save when shopping around for new car insurance.

    Tip #3 - Make Sure all Discounts are Applied - When you’re getting a car insurance quote, you will want to make sure that all applicable discounts are applied when a company provides you with a quote. Check on safety discounts, safe driver discounts, car alarm discounts, and any other discounts you think you may be able to get on your policy. Don’t be afraid to ask questions. As the old saying goes, “there are no stupid questions”. Asking the right one could save you some money.

    Tip #4 - Be Accurate about Mileage - It is also important that you give an accurate estimate on the amount of miles that you drive to and from work. Often rates are somewhat based on the amount of miles that you drive, and if you are significantly off on the amount of miles you drive it could affect the quote that the company gives you. Also, communicate whether you park your car in your garage or at least in your driveway on a regular basis.

    Tip #5 - A Defensive Driving Course - Another thing you may want to do before you go looking for new quotes is to take a defensive driving course. Many companies will offer a discount if you’ve taken a course so you may get a better quote. Taking one communicates to the company or agent that you’re serious about being a good driver; it also implies that you’re a responsible individual and probably a better driver to begin with.

    Keeping these tips in mind can help you find a car insurance policy that fits, and insurance rates that take a load off your pocket book.

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    Average Car Insurance Rates | Tips When Shopping for Car Insurance Quotes

    This is post one of two in a series offering tips on how to save when shopping around for new car insurance.

    If you’re looking for ways to save on your car insurance rates, you’ll need to do a little shopping and check out other insurance companies for quotes. When you get a quote, you need to know where you are, and where you’re going so-to-speak. You need to understand what your current policy offers (features and benefits), and based on your current circumstances, you need to define what you’re trying to achieve or gain by shopping so you can make a qualified decision. The following are a few tips that can help you get the very best quotes on car insurance when shopping for a new policy.

    Tip #1 - Have Your Current Policy With You - When you’re trying to find better car insurance rates, make sure you have your current policy with you and understand exactly what coverage you have, what the costs are and how they’re applied. You should have it with you whether you’re shopping online or visiting agents in person. This will enable you to compare apples to apples and oranges to oranges when the time comes. Don’t assume you know the exact details and make a decision on the fly based on speculation or inaccurate information.

    Tip #2 - Consider Higher Deductibles - Another tip for getting the best car insurance quotes possible is to consider getting a policy that has higher deductibles. Usually this will greatly lower the cost of your car insurance policy; however, you want to consider whether or not you can afford the deductible if something does happen to your vehicle. It comes down to paying now or paying later. If you’re a good driver and your record backs that up, having a higher deductible will probably save you over time.

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