Auto Insurance Discounts
Reader’s Question:
I’m a bit concerned because I’m marrying someone who has a poor driving record in Waterloo, IA. With this, can I expect that my insurance rate will go up?
Joan
Waterloo, IA
If your fiancé has a poor driving record, you can expect that it will affect your insurance premium after you get married. Your car insurance policy covers you, your spouse, any other named insured under the insurance policy, and any licensed driver in your household. If any of those people in your auto insurance policy have a bad driving record, it will significantly affect your insurance rates.
If his driving record is really bad, you may want to consider additional strategies to lower your premium. If you arrange to buy all of your insurance policies which includes your homeowners policy from one company, you may benefit from multiple car and/or multiple policy discounts. Normally, in Waterloo, IA, your future spouse can take driver safety courses to improve his driving record. Furthermore, with your combined income, you might be in a position to raise your deductibles to keep your premium down.
Your fiancé may also be eligible for a low mileage discount by using public transportation for his commute to work. If all else fails, you may have the option to use a “named-driver exclusion” clause after you’re married to exclude your spouse from your insurance policy. This means that your spouse is not covered by your insurance company to drive your car. Your spouse could insure his car separately, and if it is an older model, waive collision and/or comprehensive coverage. Lastly, your insurance agent can discuss all of your policy options with you and make suitable recommendations.
Good Driver Insurance Discounts
Reader’s Question:
What kind of insurance discounts can I get from insurance providers in Kentucky if I am turning 50 next month. In addition to that I also have a good driving record for several years.
Martina
Lexington-Fayette, KY
Congratulations on having a clean driving record for many years.If you are lucky enough to be retired, some insurance companies will provide a discount to retirees receiving a certain type of pension. There are also some discounts provided to the mature driver however many insurance providers start this discount at age 55.
There are also other discounts that you may want to ask for when renewing your car insurance or starting a new one. Some insurers will give you a discounted rate for low-mileage vehicle use, two or more cars on one policy or having loss prevention devices installed in the car (car alarm, etc). Many insurance providers in Kentucky will give long-time policyholders with no claims and a good driving record or safe driver discount.
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
Insurance For Safe Student Driver Online
Reader question:
I just started college and I’m going to be buying car insurance for the first time. I’ve never done this before. How do you do it?
Miranda
It’s easy.
Lucky for you, your generation doesn’t have to deal with buying car insurance the way that your parents did. Car insurance can be bought, nowadays, in less than twenty minutes if you know what you’re doing, and in that short amount of time you can still inform yourself the most and get the best price quote. How do you do it? Easy. Do you have a computer?
- First step: open up your browser.
Once you’re online, half of the work is done. The first thing you want to do is get some rate quotes. These will tell you how much each company wants you to pay for your car insurance premium. It’s very easy and free to get these, since there are about a thousand sites out there that offer free rate quotes. You might have seen commercials from some big companies such as Progressive about giving quotes at their websites, but I would avoid this. The reason is that they don’t give you as big a selection as other sites do.
- Second step: take the quotes and run with them.
Now that you know what companies are offering you good prices, you need to find out more about these companies so that you can decide which company will give you the best deal. Don’t just go with the cheapest price. Some companies that have the best price also won’t provide you with good service or good coverage. Do a quick web search and look up information about each company. Read up and decide from there who you think is best.
- Third step: do you take coupons?
One of the ways that you can save the most on your insurance for the student driver is by getting discounts. Your starting college, so that means there are a lot that are available to you. Consider what you’re doing. Do you live on campus? Work there, too? Then you probably won’t be using a lot of mileage. There’s a discount for that. Do you get good grades, like at least a 3.0 GPA? There’s one for that, too. Also, what are you majoring in? Degrees in fields like mathematics can get you a significant discount. Sometimes the types of discounts that a car insurance company offers can be the factor that sways you towards going with them.
Cheers,
Fashun Guadarrama.
Good Driver Car Insurance Rates For Limited Use Vehicles?
Reader Question: What can I do to easily lower my car insurance rate. I am a good driver and drive very short distances. I hear this phrase “limited use vehicle” mentioned…..do I qualify for that?
Frank
So you are a good driver huh? One way to lower your car insurance rate would be to lower your annual mileage you put on your vehicle. This is commonly refered to as a “limited use vehicle” meaning you only drive this vehicle short distances on a limited time basis. Maybe you only go to and from your work…which happens to only be 5 miles away from your home.
Lowering your annual mileage will lower your premiums drastically. Often, auto insurance providers will base their rate quote on the driver driving 12,000 miles a year.
if you really are a safe driver like you say you are, I would work out how many mile’s you will actually drive each month contact your insurance company about a “good driver” insurance discount and the fact that you fit into the limited use vehicle category. If they really want your business they will fight for it.
Clair
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