Good Driver Insurance
Reader Question: I am looking for better auto insurance for my new car than my previous insurance coverage. I had Sta@@ Far@ insurance for years, but they seem to slowly but surely raise their rates over the years. I got a new car and they have once again raised my rate, so I am ready to shop around.
Stanley,
Boston MA
Stanley,
Good for you! Checking your auto insurance rates every 3 years is a great idea. This is a pretty common tactic for many agents, they slowly raise your premiums but the increase is so low that they know you will just put up with it. But over the years, so incremental increases really add up to a lot. Checking around will almost always result in lower rates….at least until year 3 until the new company starts to jack up your rate ever so slowly.
The zip code form above is for Comparison Market, they are a leader in comparison insurance shopping. They will compare 12 companies for you….instantly, and for free…and there is no obligation to do anything. Once you see the results, which you will online, you can select each carrier and learn more about their offer and the coverage they are offering you and of course the price.
Honestly, this is the fastest and easiest way to shop around for car insurance. Try it now…and post your comments after you get the rate quote. We want your feedback!
Auto Insurance Question in Los Angeles
Reader’s Question:
I would like to make sure if it is illegal to have your car insurance registered to a different address than where you live? I live in Los Angeles, CA right now, but if I place the address for my car insurance to my parent’s house in another city, the rate is reduced by at least half.
Victor
Los Angeles, CA
It is illegal and a form of fraud to give false information on an insurance application, especially for the express reason of lowering your insurance rates. According to the California Department of Insurance, fraud happens when an individual knowingly lies to obtain some benefit or advantage to which they are not otherwise entitled or an individual knowingly denies some benefit that is due and to which someone is entitled.
An alleged wrongful act may be handled as an administrative action by the Department of insurance or the Fraud Division may handle it as a criminal matter depending on the specific issues involved. Trying to obtain car insurance from your parent’s address instead of your own address where the car is actually garaged would be misrepresentation and could get both you and your parents in trouble if done. If you did acquire car insurance using their address and this lie was later uncovered your car insurance could be cancelled and if an accident occurred it may not be covered since the insurance policy was set up using false information.
This can also be classified as material misrepresentation which as defined by the Department of insurance is a false statement given by an applicant of any important fact that, had the insurance company known the truth, it would not have insured the risk. Instead of committing fraud it is best to be upfront and truthful with an insurance company and use your correct address. If you want to try and reduce costs for your car insurance in Los Angeles, California ask about discounts or if there are driver programs in which to participate so that you can reduce your premiums.
Auto Insurance Quotes – Free Comparison Quotes
Reader’s Question:
When shopping for auto insurance in Sandy Springs Georgia, do I need to provide my social security number to obtain auto insurance quotes?
Steven
Sandy Springs, GA
You should be able to get free auto insurance quotes without being asked to give out any personal information. There are only three basic things needed when obtaining auto insurance quotes such as your driver’s information, vehicle’s information and coverage desired.
While any business can ask for your Social Security number, there are very few entities that have the legitimate right to demand for it like motor vehicle departments, tax departments and welfare departments. Also, SSNs are required for transactions involving taxes; banks, brokerages, employers, and etc..
The quote form that you fill out online should be secure and your details are not shared with anyone other than the carriers for the purpose of quoting. Personal information must be provided such as age, date of birth, address etc., for purpose of generating quote rates. For example, your place of residence affects the quote price because each territory has specific rates. These kinds of personal questions must be asked because they affect your premium and it is important to provide accurate information to ensure that you get the proper coverage.
To assist you in finding affordable premiums, it would be wise for you to do a quote rate comparison. You can usually do this instantly and purchasing a policy online will only take within minutes. By completing a quick form, you can instantly shop for the cheapest prices from reputable auto insurance companies in Sandy Springs Georgia.
Hybrid Car Insurance Discounts ?
Reader’s Question:
I’m thinking of switching to a hybrid car and I heard that discounts are being offered by car insurance companies for hybrid car owners in Los Angeles CA, is this true?
Dustin
Los Angeles CA
Basically, a hybrid electric vehicle (HEV) combines an internal combustion engine and an electric motor powered by batteries. This technology merges the best features of today’s combustion engine cars and electric vehicles. The combination allows the electric motor and batteries to help the conventional engine to operate more efficiently which in effect cuts down fuel use.
The main reason why discount is being given to hybrid car owners is that a research indicates that hybrid car owners tend to fall into the preferred insured category. Car insurance is an assessment of risk; the lower the risk you represent to the car insurance company the lower the premiums they will charge. This is because you are treated as a customer who will potentially be less costly than one who is more likely to make a claim. The discount may not be available in all states and is subject to individual eligibility so contact your Los Angeles CA agent or insurance company to further discuss details about getting a hybrid car insurance.
Even if the market price for cars is steep, the fuel that you save along with incentives like tax breaks do make a hybrid a good and sensible choice. But still, before you say “yes” to a hybrid car, you must do in depth research. Know the pros and cons by talking to manufacturers and owners of hybrid cars.
New Driver Car Insurance – Why Does It Cost So Much?
Reader’s Question:
I’m a new driver here in San Francisco, CA. I still don’t have a car but I’m planning to get one, hopefully soon. I’m totally clueless when it comes to auto insurance stuff. Can you give me some tips on this?
Paige
San Francisco, CA
Sure Paige! The very basic thing you should know is what does California law requires for auto insurance coverage.
California State Law requires every owner and driver to maintain financial responsibility for accidents and there are four ways to establish such responsibility:
1. coverage by auto insurance policy;
2. a deposit amounting to$35,000 to Department of Motor Vehicles (DMV);
3. a surety bond amounting to $35,000, which must be acquired from a duly licensed company in CA; and
4. self-insurance approved by DMV
Now, let’s consider the types of auto insurance policies. Being in Bay Area also means getting an expensive auto insurance. Usually, there are 3 types of policy offered – preferred, standard, and assigned. Each policy differs in price and coverage.
Standard policy is for drivers with less traffic violations and/or cancellation of past polices. This policy offer lower premiums as compared to other kinds of policy. Preferred policies on the other hand are for California residents who have good driving history, (and I mean “clean” driving record) for three years. Lastly, Assigned Risk polices offer the most expensive rates but at the same time the offers the least amount of coverage.
I would also suggest for you to check on auto insurance companies. You can compare quotes here easily and faster and get the best policy that you think meets your needs.
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
What Are The Different Types of Car Insurance?
There are actually different types of car insurance. The best thing to do is to figure out what type of policy best fits your needs. Most states would actually require you to have a minimum amount of liability insurance. These insurance includes bodily injuries which pays your legal fees and claims made against you, if you or someone driving your car with your permission, kills/injures someone. Its the same with property damage liability, only this covers legal fees and claims against you or someone driving your car with your permission for damaging someone else’s property.
In some cases when you are hit by uninsured, underinsured or a hit and run drivers, a few states require you to have uninsured motorist coverage which pays for medical fees and property damage expenses for you, your family and your passengers. This is only available in few states so you may discuss this with your local agents.
You might also want to consider the type of cars you are (or going to be ) using when purchasing an insurance. You may carry collision and comprehensive coverage if you’re driving a late model car. The collision covers payment for repairs due to fire, vandalism, theft and other acts of nature. But if you are driving an old car, it would be best to drop collision and comprehensive coverage altogether especially if the car is worth less than the insurance.
I would also suggest that you insure with the same company if you have more than one car. This can save you on your yearly premiums. You may check with your local agents for the best car insurance rate.
If you are still shopping for a car though, you may choose a low maintenance and low profile cars. Cars that cost a lot for repairs, cost a lot more to insure.
And of course, if you’re a student or a teenager the best way is to take a driver’s education course and keep a clean driving record. Like what they always say: “drive safely”.
Just remember that when it comes to car insurance, comparison shopping is difficult. Just be aware of the combination that contribute to your premiums so you may know what policy to get.
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
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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