What Is The Cheapest Used Car Insurance?

Reader question:

My parents have always dealt with my insurance before. Now I need to get the cheapest used car insurance policy that I can and I would like to know how to do that. Can you help?

Max

Sure I can.

The first time that you enter the real world and start handling all of your own affairs the way that you never did in college can be scary, so it is important to put extra thought into how you handle things like your car insurance and other bills. As a young person, you might not be making an amazing salary and getting the cheapest used car insurance can be key to getting your bills paid and still complying with the law. Here is a list of what NOT to do when shopping for a used car insurance policy.

• Do NOT fall in love with the first car insurance quote that you see. Like any relationship starting out, you have to get to know it first and make sure you don’t like looking at the other car insurance quotes better. Pick a link and go to a website that allows you to fill out a questionnaire and then get instant online car insurance quotes from several different companies, and the research each company to see which you like the best.
• Your used car is not a palace. If its exhaust smokes more than a tugboat, then you probably do not need comprehensive and collision car insurance coverage. The general rule is that if the car is worth less than a thousand dollars, you only need the basic liability insurance.
• Maybe you want to stick with the same auto insurance company that your parents have. If so, don’t let them take all the info you had on your parents policy and use it again on a new one. Get an annual review so that you can see what kind of discount you ca get now after several years of driving.
• Are you renting an apartment of condo? Buying a home? You can get renter’s or home owner’s insurance from the same company as your car insurance and thus qualify for a multiple policy discount, making all of them cheaper.
• If you get a fender bender, don’t report it. Cover the damage out of pocket so that you don’t create a claim history.

Cheers,

Fashun Guadarrama.

Cheap Illinois Car Insurance Rates For Good Drivers

The state of Illinois carries a particularly had line when it comes to mandatory car insurance laws. Although this may seem bad for the person caught without insurance, it helps bring Illinois car insurance rates down. What some people don’t realize is that an accident in and of itself isn’t a huge cause in the rise of car insurance rates. As a matter of fact, the number of fraudulent claims and accidents involving uninsured motorists are big causes of the driving up of rates in states like Illinois every year.

Whenever you go to get your registration in Illinois, they check to make sure you have car insurance, and you can not renew it without proof. The proof of car insurance is a card with all of your insurance information that your car insurance company sends you whenever you first get a policy or when you renew it. You are required by the state of Illinois to have the following car insurance coverage:

• Injury/death liability for a single person is $20,000
• Injury/death liability for multiple people is $40,000
• Property damage liability is $15,000

If you are out driving without car insurance, the expenses are huge. If you get pulled over by a cop for committing a traffic violation, or even for something small like having a light out, your insurance will be checked. If you don’t have it, you get hit with a five hundred dollar fine. It’s even worse for people whose plates are already suspended because they’ve driven without insurance before. For them, the amount is a thousand dollars.

Even if you aren’t caught while driving, you can still be found out for not having car insurance coverage. The reason for this is that the Illinois DMV has a computer system that randomly mails questionnaires to people and you have to fill it out to provide your car insurance information. If you don’t fill it out with the information, you could be fined.

Cheers,

Fashun Guadarrama.

I Need Cheap NJ Car Insurance Quotes

I have here several examples that will help those looking for a cheap NJ car insurance quote to get familiar with the system of car insurance in New Jersey. Finding one of the examples that fits you best will help you decide what kind of car insurance coverage you need, and it will also give you a basic notion of how much your car insurance company will cost. These rates are based on the area that the example policy holders come from in New Jersey, as well as their other features, such as marriage, age, vehicle, and so on. They are only to be used as a basic guide. Once you have familiarized yourself with them, you should go to your car insurance company and get an actual quote.

• First example.

The first example of cheap NJ car insurance is of a young guy at the age of twenty two. He’s single and his name is only registered under one car, which is the car he wants to get insured. This car is a Chevrolet Malibu in the seda body style with four doors, and the model year is 2000. He takes the bus to work, and only uses the car to go out with friends now and then. He goes about five or less miles every day. He has a good driving record since he was twenty.

Here is what his policy should look like. It would be a good idea if his liability was fifteen and thirty thousand dollars for bodily injury, and five thousand dollars for property damage. He should get PIP, and make his deductible around $250. He should get the same coverage for uninsured and underinsured motorists as he does for liability. He should also get comprehensive and collision, since his car is still relatively new, both with deductibles of $750. He can choose between a limited or an unlimited amount to sue.

• Second example.

This example involves two married people of middle age, maybe 35 or 45. They have two cars on their car insurance policy. Their two cars are a Chevrolet Astro, with a model year of 2000, which gets about ten thousand miles every year, and a Buick century, from year 2004, which gets double that. Both of them have anti theft devices, which get them discounts. Both have good safety ratings, and the couple has had their car insurance policy with the same company for several years. And the wife has a good driving record.

It is suggested that someone in this situation, with more cars, should get more liability coverage than required. A good amount is one hundred thousand and three hundred thousand for bodily injury or death, and then twenty five thousand for property damage. PIP should also be more, with two hundred fifty thousand and a $250 deductible. Both cars need comprehensive coverage, with a $750 deductible, but only one needs collision with that same deductible.

Hopefully these examples will help you decide on the coverage you need if you are in a similar situation to one of them.

Cheers,

Fashun Guadarrama.