Discount Car Insurance - Saving Money on Car Insurance is Easy

Car insurance is one part of our family budget that we will always have to deal with and so it behooves us to get better informed. We would all love to buy some form of discount car insurance. The reality of that already exists. There are more discounts in car insurance than ever before. Some of the newer vehicles have so many of them that they are often cheaper to insure than some of the older vehicles. Let’s review some of the discounts available when purchasing car insurance.

Multiple Policy Discount – This one is common and yet there are many people that do not take advantage of this discount. This discount can be as high as 15% with some companies.

Good Driver Discounts – Insurance companies love to reward the driver that has an excellent driving record. These are profitable policyholders and help bring the over all rates down.

Auto Safety Features Discount – Automobiles with airbags and seatbelts receive lower rates. Anti-lock brakes and anti-theft devices also lower car insurance rates. The vehicle identification number will identify all of these features and so it is important to give that number to whoever is quoting your car insurance.

Young Driver Discounts – Many companies give substantial discounts for high school and college students that have a 3.0 grade point average or better. The drivers training discount has been a standard discount for young drivers. Find a company that has both and you will help lower premium dramatically.

Senior Citizens Discounts – Drivers 55 and older are given retirement discounts if no longer employed. Homemakers can qualify automatically at age 55 with some companies. Mature driver discounts are also available when a driving course is completed.

Lower Tort Option – There are some states that have a lower or limited tort option. This is your ability to sue for pain and suffering. The lower tort option limits your ability to sue but at the same time it can save you 20% or more in your premium. Contact your agent or insurance company about the tort laws in your state.

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Classic Car Insurance Tips from Budget Car Insurance

What is fun, glamorous, exciting and very expensive to insure? Welcome! Classic cars are in a category of its own. Very expensive to insure as they signify something glamourous, fun and exciting. Those are loud statements for attracting car thieves. What's more, they are also very expensive to maintain. Classic car insurance policies are generally put into three categories:

Classic Cars: These cars should be older than fifteen years. Many people feel that anything prior to 1970 is a classic. (We will leave the arguing up to you!)

Vintage Cars: These cars have a manufacturing date between 1903 and 1933.

Veteran Cars: These cars are a gem and their manufacturing dates are anything prior to 1903.

So, which category does your vehicle fall under, for obtaining classic car insurance purposes?

Whichever category your vehicle falls within, you should look at classic car insurance. Sadly, many of the large insurance companies do not offer any "classic car insurance" and they will treat your vehicle like a vehicle that just rolled off of a car lot.

Whicever of the three categories your vehicle belongs to, you should be looking for classic car insurance. Unfortunately, many large insurance companies do not even offer this special category of classic car insurance. They may even treat it as a commonly sold second-hand vehicle.

So it's up to your own device to get the correct classic car insurance. This may take up some research time but with the Internet you should be able to find your classic car insurance more easily than before.

Certain things you should be keeping in mind when buying classic car insurance:

Value is a relative term for classic cars. When you approach many insurance companies, each of them can quote a different value for your classic car. It's important that you agree with their valuation before signing up for any policy.

Make sure that the value of your classic car is "guaranteed" in the insurance policy. Some car insurance companies have refused to pay car owners the full value of their vehicles. If it is not guaranteed in the contract, you may be very angry if your car was damaged beyond repair or stolen.

Avoid signing up with general insurance companies and seek out insurance companies that deal with these special vehicles. The rates are better and the policies are made to fit your needs. You usually can find them advertising in classic car magazines or by asking another classic car enthusiast.

Just about every car owner wants to save money on car insurance. Ken Charnley helps you do just that on his budget car insurance website where he gives tips on how to save money on car insurance.

Car Insurance And Car Shopping: Why Is The Insurance So High?

So you want to buy a car and you're looking for a good deal. But while you're thinking about a low sticker price, good gas mileage and reliability, don't forget about car insurance. You car insurance costs could vary wildly depending upon the car you buy -- even if it's an inexpensive car. Here are some of the reasons why.

Car insurance rates are based on a number of factors including your age and driving record, where you live, the coverages and deductibles you get and the type of vehicle you drive.

Now, just because you're driving a small economy car instead of big pickup truck doesn't mean that your insurance won't be high. That's because insurance companies rate different vehicles by their claim histories.

For example, certain cars tend to be stolen more than others. Foreign-made economy cars might cost more to repair. Same with cars that have a lot of extra features and safety devices.

Some cars may be more expensive to insure in one part of the country than another -- especially if you live in a high-crime area.

Of course, there are a lot of factors to consider when you buy your car. Just make sure to look at the insurance costs as well. Take a look at different manufacturers that offer a similar model of car that interests you.

Once you've researched some cars and found models that you're interested in, get some comparison car insurance quotes. Try to get at least three different quotes. You may find that one manufacturer's model is less costly to insure than another, which can help you make your decision.

Scott Lunt is a freelance writer with over 15 years experience writing insurance-related articles. You can compare car insurance quotes and find more tips on saving on car, home, life, health and long-term care insurance at LowerYourInsurance.com.

Cheap Car Insurance - 7 Tips To Reduce Your Car Insurance Costs

With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it is possible to find cheap car insurance, the question remains, is it worth buying?

Everyone knows that car insurance companies are not all equal. Cheap car insurance is wonderful when paying the bill, but make a mistake on the company you select and you could find that the cheap car insurance policy that you found may turn into a nightmare. Cheap car insurance may not turn out to be so attractive when making a claim.

So if you have found a discount car insurance broker don’t just take the cheapest quote that you get. You need to find out a little about the insurance company that is offering the cheap car insurance rates.

And there’s ways to reduce the cost of your car insurance even with the best of companies. Here are some tips for those looking for cheap car insurance to help reduce the cost of car insurance without compromising other things.

7 Cheap Car Insurance Tips

1. Look at your deductible amount. This is the amount that you pay first out of any claim. The cost of your policy is directly related to this amount. Many people, particularly those who have had their insurance policy for a long time, have never considered whether they ought to vary their deductible. If you have a good driving record and are prepared to increase the risk of paying a larger amount in the event of a (hopefully unlikely) claim you can save money by increasing your deductible.

2. Have a look at the type of car you drive. Certain types of cars attract higher car insurance rates. Cars such as sports cars and also certain makes and models that are prime theft candidates cost more to insure. If you are buying a car then find out which makes and models these are before you buy.

3. Drive carefully. Although it sounds a little trite to say it, your car insurance cost is a factor of your risk profile. You won’t get cheap car insurance if you have had 3 speeding fines and 2 accidents in the last year. These things are all taken into account and you should take care with how you drive. It all adds up onto your bill. There are big safe driver discounts available.

4. Considering installing safety and anti theft devices in your car. Again these affect your risk profile. If you have a car that is safer and less at risk of theft it should be cheaper to insure. And if you have a car with certain safety devices now check that your insurance company is aware of these, if not tell them.

5. Look at your policy when it comes to renewal time, don’t just pay. There are some things that you can vary in your policy that will affect the cost. Often there are some things there which duplicate other insurance that you may have that can be eliminated. Be critical, look carefully and ask questions about all these before you renew your policy.

6. Have a look at who your other insurers are. Many insurers offer a discount for multiple policies. If you insure your house with a certain company then ring them up and find out if they do car insurance. Get a quote from them. Find out what discounts they offer.

7. Find a good online discount car insurance broker before renewing. The internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Don’t just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.

So if you’re in the market for cheap car insurance there’s some ideas for you. Don’t just accept that car insurance is always prohibitively expensive, get out there and do something about it.

For a website totally devoted to Car Insurance visit Peter's Website Car Insurance Answers and find out about Car Insurance as well as Cheap Car Insurance and more, including Online Car Insurance Quotes, UK Car Insurance, Car Insurance Rates and Car Insurance Quotes.

Lower Car Insurance Price - 5 Considerations To Computing Your Car Insurance Premiums

Have you ever wonder why car insurance costs vary from one car insurance company to the other? This is due to the different type of computation factors that car insurance companies use to derive the car insurance cost. Based on the answers that you replied to the car insurance company, they will add or discount the cost before arriving at a final price for your car insurance. Thus, it is important for you to shop around first before you commit yourself to a particular car insurance company as different companies take a different view of the various high risk factors. We will look at some of the factors that car insurance companies take into considerations.

1. Having a clean driving record

Without a doubt, car insurance cost would increase if you have been convicted of a driving conviction. Thus, it pays to be a safe driver so that unnecessary costs won't be incurred.

2. Adding additional drivers to the policy

By adding additional drivers to the policy, extra premiums will be added. Thus, do not add in drivers into the policy just because you think that this person might be using the car in the future. Consider carefully whether it is necessary to add this person into the policy.

3. The age and gender of the driver

If the driver is under the age of 25 the rate will mostly likely be fairly high. This is due to the lack of driving experience. Usually, you will need to have over three years driving to be quoted a lower rate. Also, a single male driver rates higher than a single female. This is because males are rated as a higher risk to car insurance companies.

4. Your credit report history

Most car insurance companies take into account of your credit history. Paying your bills on time and maintaining a good credit history will allow you to enjoy lower car insurance cost.

5. Anti-theft alarm

Fix up an electronic central locking and alarm on your car. Discount could be given by insurance companies when you have anti-theft devices install in your car.

Justin Koh is a freelance writer whose articles have appear in most major ezines. You can find more of these at: http://www.carinsurancecentral.info

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