Meta

Subscribe to RSS Feed
Bookmark this Page

Tag Cloud

low rate car insurance car insurance rates car insurance plan rates car insurance quotes and rates Average Car Insurance Rates affordable car insurance rates car insurance company rates car insurance premium rates car insurance online rates best rates for car insurance car insurance rates compared car insurance rates for new drivers best rates car insurance car insurance rates factors car insurance low rates car insurance rates teenagers effect of accident on car insurance rates car insurance rates for teens car insurance cheap rates expensive car insurance rates bad driver car insurance rates car insurance rates information teenager car insurance rates how to get the best car insurance rates car insurance rates for teenage drivers car insurance lowest rates car insurance rates for boys and girls car insurance rates by model car insurance average rates car insurance rates teenager lowest rates on car insurance cheap car insurance rates car insurance rates male teenager car insurance rates by state car insurance average rates us insurance car rates car insurance theft rates car insurance lower rates car insurance rates compared in the us sports car insurance rates collector car insurance rates car with highest insurance rates car insurance rates and color car insurance for young car insurance rates car model insurance rates car insurance rates SUV car insurance light duty truck rates how are car insurance rates calculated DUI drunk driving collectible car insurance low rates car insurance rates quote car insurance rates instantly car insurance rates canada low insurance rates car low car insurance rates us free rates for car insurance classic car insurance car with lowest insurance rates car insurance for hybrid cars car insurance average rates uk antique car insurance rates why are car insurance rates so high which car has higher insurance rates uk compare car insurance rates state farm car insurance rates low cost car insurance rates insurance rates totaled car high risk driver car insurance rates family car insurance rates comparison of car insurance rates car insurance rates state car insurance rates in south carolina car insurance rates comparison car insurance rates compare canada car insurance rates boulder car insurance rates boise car insurance rates audi car insurance rates what is a car lemon lawn uk car insurance rates comparison senior citizen car insurance rates rental car insurance rates new york lowest car insurance rates hybrid car insurance rates hybrid car insurance farmers car insurance rates effect accident car insurance rates do i need rental car insurance discount car insurance comparison car insurance rates us compare car insurance rates in london cheap used car insurance rates car maintenance car low insurance rates car lemon laws car insurance rates us car insurance rates uk car insurance rates new jersey car insurance rates massachusetts car insurance rates in canada car insurance rates for seniors car insurance average rates in the uk car insurance average rates in america automobile lemon laws vermont car insurance rates uk comparison car insurance rates south dakota car insurance rates philadelphia car insurance rates new york car insurance rates comparison new driver car insurance rates motorcycle insurance rates montana car insurance rates maryland car insurance rates lowest car insurance rates us low rate motorcycle insurance low insurance rates car in new york low car insurance rates in america louisiana car insurance rates london comparison car insurance rates las vegas car insurance rates kansas city car insurance rates insurance claim denied insurance car comparison rates instant car insurance rates indiana car insurance rates immediate car insurance rates hometown car insurance rates great rates car insurance quotes connecticut car insurance rates compare car insurance rates in britain compare car insurance rates by state columbus car insurance rates cheap motorcycle insurance car with low insurance rates car insurance rates virginia car insurance rates male female car insurance rates ma car insurance rates in new york car insurance rates for older drivers car insurance rates comparison us car insurance rates compared new york car insurance rates co car insurance rates california car insurance rates by states car insurance companies rates bloomington car insurance rates audi acura car insurance rates acura


Search

 

 





Low Rate Car Insurance - Quick Tips to Lower Rates

There are a number of ways you can lower your overall premium cost without sacrificing your security or your family’s well being. Over the next few days, we will share some quick tips with you that might save you some money.

The following are just a few ways you might be able to reduce your premium:

  • Park your car in a garage regularly vs. the street or even your own driveway. A locked garage may even be better.
  • Have an alarm system installed in your vehicle if it doesn’t already possess one.
  • Use a steering lock.
  • Have a car stereo with a detachable front.
  • Keep an excellent driving record.
  • Reduce the number of miles you commute to work. See if you can telecommute one or more days a week if possible.
  • The more modified a car is, the more you will pay.
  • Don’t purchase a red car. Hard to believe but we’re told there are still some companies that will charge a slightly higher premium if the color of your car is red.
  • It may be time consuming but shop around. Get as many quotes as you can. Don’t automatically accept your current insurers’ quote when it’s time to renew.
  • Limit the number of drivers on your vehicle. A lower number will bring a lower premium in most cases.

Make sure you ask your insurance agent if any of the items listed above could help lower your rates. Don’t assume your agent knows everything about your current situation. Each year, keep them apprised of changes that you’ve personally made to your vehicle, how far you commute, or changes that have naturally occured like ages of drivers. We’ll be back tomorrow with a few more tips.

  • Posted in Low Rate Car Insurance | No Comments »

    Car Insurance Glossary of Terms (Part 1)

    Below are some terms that you might hear when speaking with a Car Insurance Agent or when reading a policy. We will introduce some of the most common terms to you over the next few days.

    • Additional Insured / Additional Interest
      An organization and/or person, other than the named insured or covered person, who is protected under the named insured’s auto policy.
    • Anti-Theft Device
      A device designed to reduce the chances a car might be vandalized or stolen. It can also assist in its recovery. Examples may include car alarms, keyless entry devices, starter disablers and motion detectors.
    • Automobile or Car Insurance
      A type of insurance that protects against losses involving automobiles. Examples of coverage types include bodily injury liability, property damage liability, collision, medical and comprehensive coverage for physical damage to the insured’s vehicle.
    • Basic Auto Policy
      While the Basic Auto Policy is sometimes used today to insure substandard risks, this type of policy has been primarily replaced by the Personal Auto Policy, which typically combines both physical damage coverage and liability insurance.
    • Bodily Injury Liability
      This is legal liability from causing physical injury or death to another.
    • Collision Insurance
      This type of insurance covers most loss to the insured person’s own car caused by its collision with another vehicle and/or an object.
    • Commission
      The part of the premium paid to the agent as compensation for the agent’s services.
    • Comprehensive Coverage
      This type of coverage covers damage to a vehicle which is caused by an event other than a collision or overturn. Examples might include fire, theft, vandalism, etc.
    • Covered Person
      This refers to the individuals (named insured, spouse, resident relatives, etc.) insured under a policy contract.
    • Customized and/or Special Equipment
      These are typically items not included in standard insurance options for cars. Possibilities may include additional electronic equipment, special paint for the car, exterior or interior add-ons, etc. 
    • Deductible
      The amount of money an insured person must pay before the insurance company pays the remainder of a covered loss (up to the policy limits).
    • Earned Premium
      The part of a premium that has been used up during a policy term. For example, with a two-year policy, half of the total premium has been earned after one year.
    • Effective Date or Inception Date
      This is the date on a car insurance policy that coverage begins.
    • Expiration Date
      The date and time of day your coverage ends.
    • Family Automobile Policy
      A package policy in which both liability and physical damage protection to an insured’s vehicle is offered under one policy.
    • First Party Benefits or Personal Injury Protection
      This benefit pays policyholders, and others covered by the policy, in the event of injury, no matter who caused the accident. The benefits may include medical expenses, loss of income and more. 
    • Good Student Discount
      A discount on your premium price for students with very good grades.
    • Hit and Run
      An event caused by someone who does not stop to provide assistance or information after they have been involved in an auto accident.
    • Lapse in Coverage (Policy)
      A point in time when a policy has been canceled or terminated for failure to pay the premium, or is voided for other reasons.
    • Lender
      The lender is the institution to which you make your car payments.
    • Lessor
      Your lessor is the institution to which you make your lease payments.
    • Loss Payee and/or Lien holder
      Typically when you take a loan out to purchase a car, the car is the loan collateral. If the car is damaged in an accident, loss payments will be made to you and to the loss payee on your policy.
    • Multi-car discount
      This is a discount provided by some insurance companies for those with more than one vehicle insured on the same policy.
    • MVR or Motor Vehicle Record
      A motor vehicle record contains information obtained from an individual’s driver license application, like accidents they’ve been involved in, convictions, and more.
  • Posted in Low Rate Car Insurance | No Comments »