I Need Cheap Car Insurance For My Teen Driver

Reader Question:

I just turned 17 last week and just received my driving licence. Im still thinking of what car to get. What is the cheapest car insurance plan for me?

Allan D.

Good question.

The less expensive car you have, the less amount you will be paying for your car insurance. Popular cars like Honda Civic,Ford Focus etc are some examples of less expensive cars but not really advisable for young drivers since light vehicles have the highest death rate. You might also want to consider setting up safety features on your car like side air bags, anti lock brakes etc. These features can lower and provide you discounts on your auto insurance plan.

You can also save a lot if you stay on your parent’s policy. It will increase your parent’s premium but still less expensive if you start with your own policy. Young drivers like you can also avail for discounts if you have good academic record.

Just try to get a clean record for driving. In time you will notice having good credit history and clean driving record will lower your insurance rate.

Goodluck

-MariCAR

Very Cheap Car Insurance Score? So What Does That Do For Me?

Reader question:

How do I get a very cheap car insurance score?

Mandy

Great question.

There are several ways for you to get a very cheap car insurance score. These ways include looking into discounts that apply to you, raising your deductible, and lowering the amount of coverage you have to the minimum. The kind of car you drive and how you drive it will also be important in the process. But did you know that one of the biggest factors that goes into the decision of giving you a high or a low car insurance premium has to do with something that ostensibly has nothing to do with driving?

What?

It’s your credit report. More and more car insurance companies are using the details on their customers’ credit reports to determine what is called an insurance score. The insurance score is the biggest factor in your premium rate decision. While it is not decided on the same way that your credit score is, the insurance score has a lot more to do with the regular payments and good standing than a significant credit history and few accounts.

Improving your credit report can cause a dramatic decrease in your premium rates. This takes time to do, but it is worth it in every aspect of your life. What you have to do is order your free credit report from each of the credit reporting agencies, and then start payment plans with everybody that you owe money to. Even if the payments are not big and the interest rates go just as fast, paying steadily goes a long way towards improving your credit score, and, as a result, your insurance score.

Cheers,

Fashun Guadarrama.

Very Cheap Car Insurance in Colorado – Pay As You Go?

If you own an automobile in Colorado, you are required to purchase a car insurance. In the event you injure someone else or damages someone else’s property, you are required to carry liability insurance to provide financial protection. Here are some suggestions of steps that you can follow to save money on car insurance:

Shop for coverage. Colorado has a vibrant auto insurance market that is competing for your business. Be wary and make sure you review the financial stability of the insurance company and its customer service record.

Consider your level of deductibles. You may reduce your premiums by raising your deductibles.

Ask any available discounts. You can get discounts on:

• two or more cars on policy or with the same insurance carrier
• anti theft devices
• taking driver’s refresher course
• good student status

Drive responsibly. Accidents, tickets or citations are three of the factors that contribute to higher premiums. Make sure you obey traffic rules all the time.

The fewer miles you drive, the less chance of getting to accident. This would lower your premiums.

Expensive cars that are stolen more often cost more to insure. It also costs more to repair and replace thus giving you higher monthly premiums. So before purchasing a car, make sure you get a low profile or low maintenance car.

The Colorado Division of Insurance has many resources available to consumers to help them with insurance policies and choices. You may get as much as information you needed to to make sure you get the best insurance rate in Colorado.

Goodluck!

-MariCAR

Get Cheap Car Insurance in Missouri Now

If you are involved in a car accident or stopped by a police officer and found to be driving without car insurance , you will be subject to penalties in the state of Missouri like cancellation of your vehicle’s registration or go to jail. But if you have a limited income, what should you do to bring down the cost of automobile insurance in Missouri?

Here are few things that may help you:

• The basic and the surest way is to drive safely. If you get involve in accidents one too many times, this would definitely increase your monthly premium rates. Make sure you keep a clean driving record and obey traffic rules. My rule of the thumb is never drink and drive! Tickets for speeding or drunk driving will definitely cause your premiums to rise.
• Increase your deductibles. A deductible is the amount of any loss you must pay before the insurance company cover damages. It will decrease your insurance rates if you raise the deductible amounts on your policy.
• Take advantage of the discounts and programs available in your insurance company. Do not assume though that just because you are getting the discount, the rate is good. Sometimes a company without any discounts will give you an overall lower rate than those company that offers discount. Check and shop around to compare prices.
• Do you drive an expensive car? You can expect a higher monthly payment on your insurance since it will cost more to repair or replace it in case of an accident. I suggest you get a low profile car which is low maintenance to get lower monthly premium.
• Shop around. A few phone calls and checking individual company website will save you hundreds of dollars. Make sure you talk to an agent directly for more information before making decisions.

In any case you are having difficulty obtaining coverage from any insurance company in Missouri, you can get coverage from Missouri Joint Underwriting Association (MJUA). Any agent will be able to provide you with MJUA rate and information who to contact.

Goodluck!

-MariCAR

Save On Good Driver Car Insurance The Easy Way

There’s a lot of ways to save money on car insurance. Knowing what suits your needs is always the first step. Here are few tips you can follow that will definitely save you a lot of money.

• Make sure you shop for the best insurance that will work best for you. You can compare prices offered by your local insurance companies. Get at least 5 price quotes. You may call companies directly or access information on the internet. It is also important that you choose a company that is financially stable.
• Drive safely. By driving safely and responsibly, you can keep traffic violations and accidents to a minimum, thus helping you maintain cheap car insurance.
• You may also try taking defensive driving courses to get discounts. These courses are sponsored by your insurance company. For teenagers, they can get “good student” discounts. Talk to your agents about programs and discounts available.
• You can also get a discount if you drive a car that doesn’t get stolen a lot. Car insurance company will definitely charge you a higher rate if you drive a a very expensive car like Porsche. Get a low maintenance and low profile cars like Toyota Camry.
• You may also be qualified for discounts if you join a club like AAA or AARP.

But don’t forget that the key to savings is not the discounts but the final price. A company that offers few discounts may still have a lower overall price.

Goodluck!

-MariCAR

Cheap Car Insurance in Maryland For Good Drivers?

Car insurance can be very expensive in Maryland. You are required to buy Uninsured motorist(UM), Personal Injury protection (PIP) or liability insurance. There can be severe penalties like revocation of your driving permit, loss of your car’s license plate or some additional fees imposed by the courts.So here are few tips that may be able to help you in getting the best rates in Maryland:

• Make sure you maintain a clean driving record. By driving safely and responsibly, you can keep traffic violations and accidents to a minimum, thus helping you maintain cheap car insurance.
• If you are still in school and under 25 years of age, you may be qualified for a Good Student Discount on your car insurance premiums. Ask your local insurance agent if they support such programs.
• If you are 55 years of age, make sure you speak to your insurance agent about special driver refresher course to avoid high premiums.
• You may also drop your comprehensive and collision coverage if your car is old and in bad shape. Your insurance company may not pay for any repairs to your vehicle in any event.

The Internet provides the best solution for getting several insurance quotes in a short time. You can compare prices offered by these insurance companies. Shop around to know who is offering the best rates in Maryland that suits your needs. By taking extra time, you will be saving a lot!

Goodluck!

-MariCAR

Very Cheap Car Insurance in Arkansas For Good Drivers

Its in the law that if you drive a vehicle on any public road, you must have car insurance in the state of Arkansas. Failure to do so may result to cancellation of the vehicle’s registration. The coverage is available in two parts– the uninsured motorist bodily injury (UMBI) and the uninsured motorist property damage (UMPD). You may buy the bodily injury without the property damage coverage but you cannot purchase the property damage coverage without purchasing the bodily injury coverage first.

So what are the things you need to do to save money when purchasing auto insurance? Here are a few tips:

If you are a student driver over the age of 16 and under the age of 25 with a good grade, you may qualify for a good student discount. You can also submit a proof that you have completed a driver education course. You may be entitled for the discount. Ask your local insurance company regarding some programs and discounts they have available

If you are over 55 years of age who have completed a motor vehicle accident prevention course, Arkansas law requires insurance companies to give you a discount on your auto premiums.

Choose low profile cars. Those are usually rated higher by insurance companies.Cars that cost a lot for repairs, cost a lot more to insure.

Ask your agents. Believe me, they will tell you what insurance is best for you. Make sure you check for the discounts available. Some of the discounts that may be available are good student, good driver/renewal, anti-theft devices, low mileage, etc.

Check the internet. It will give you quotes and prices available in Arkansas. Shop around. Check which insurance company gives the best rates in Arkansas.

Goodluck!

-MariCAR

Cheap Car Insurance in New Hampshire For Good Drivers

In any State, the way to have the best rate for car insurance is to have a clean driving record. In New Hampshire, if your car is not financed but you have a spotless driving records, you are not required to buy any car insurance. But this has limitations. For instance, if you are convicted of a DWI (Driving while Intoxicated) or DUI (Driving under the Influence) you will be required to buy for at least 3 years of car insurance. So best way obviously to get or keep your insurance low is to drive safely and obey traffic rules all the time.

You may also consider dropping your car insurance if you are driving an old car. Your car insurance wont pay for the repairs anyway.Check for any programs with your insurance company regarding driver’s refresher course. This would help lower your monthly premiums if you are 55 or older.

If you are a teenager and still in school, make sure to get a clean driving record. Check with your insurance company also if you are entitled to a “Good Student Discount” on their car insurance.

Make sure you check online and shop around so you can compare car insurance prices. This will ensure you of getting the best car insurance rate in New Hampshire.

Goodluck!

-MariCAR

How To Get Cheap Student Car Insurance

Reader question:

My son is now driving age and we want to get him car for his sixteenth birthday. He wants a convertible, but that’s not only out of our price range, but we know we’ll already be paying a lot for his car insurance even without such a car. How do we choose a car that he likes but that will still get us cheap car insurance rates?

Millie

There’s always a way.

Yikes! A convertible, eh? Getting a convertible is a bad idea for anyone, of any age, who wants to save money on their car insurance. I still want one, though. It’s good to see that you understand that and are willing to take the time and energy out to make a good decision on your son’s car in terms of how much the insurance costs, and it’s also nice to see that you’re very willing to take his own desires into your decision as well. Many parents eithe will just get their kid whatever car they want to get him, without considering feelings, or get the kid any car they want. People should know that there is a better, safer alternative to getting a student car with cheap driver insurance.

There are several qualities to a car that you buy for your teenager that will make it look better in the eyes of the car insurance company. You don’t have to adhere to all of them because, let’s face it, not everybody wants that one kind of car. Just because you go with most of the aspects but leave one out does not mean that you will be paying half of your annual income on student driver insurance. Here are a few factors that should go into your decision for buying your teen a good car for cheap driver insurance.

• Safety. Car insurance companies love safe cars, and there are many ways to make this happen. Having plenty of airbags is one, as well as having a lot of those modern safety features such as stability control, antilock disc brakes, and rollover sensing ability. The safety of the drivers and passengers isn’t the only thing that the car insurance company considers, either. Having theft protection installed is a great way to get cheaper rate quotes.
• Size. This is also a factor of the safety aspect. Bigger is not always better, and neither is smaler. Many parents get their kid a bigger car because they think it is safer, and many get their kid a smaller car because they think it is cheaper and more fuel efficient. However, the safest car for both its driver and everybody else on the road is a midsized vehicle.
• Car facts. Knowing about how the vehicle rates in various areas is a good way to insure that you will get a good car insurance quote. Did it do well on safety tests? Is it considered the type of car that is likely to get stolen? If it’s in good standing here, then it will also be with your car insurance company.

Cheers,

Fashun Guadarrama.