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How long do car accidents affect my insurance rates?

Question by crizzy u: How long do car accidents affect my insurance rates?
I have heard that accidents and tickets will affect car insurance rates for five years. I was in an accident four years ago, that was determined to be my fault. Now, my (old) insurance company just settled this claim. Is this going to affect my rates for five years from the settlement date or from the date of the accident?

Best answer:

Answer by ad59
Although the time affecting your premium varies from insurer to another, it is usually three years; and the effects tkes place from the time the body shop claims the payment for the repair to your car.

Know better? Leave your own answer in the comments!

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How do I find out my car insurance rates before I get a car?

Question by Mokaddasa: How do I find out my car insurance rates before I get a car?
I haven’t bought a car yet because a lot depends on how much insurance will be. I’m a 27 single female living in Boston, I’ve had a license since 18 but never drove so it expired and I recently renewed it. I don’t have anything on my record. I would be the only person on the insurance. I went online but they required the make and year of your car to calculate the rates.

Best answer:

Answer by A Very Helpful Guy
Hello,

Yes, the rates you pay for car insurance do depend on a lot of factors:

Age
City, State
How many previous accidents you’ve had
Year of vehicle
Make of vehicle

The best thing you can do is actually call up a few of your local car insurance companies and get some ballpark figures. The important thing is, is to find one that you like and trust and who gives you a decent quote.

Your next step would be to go to a car dealership, take the number of the insurance companies who quoted you the best prices along and find a car that you like and can afford. After you take it for a test drive and get as much information as you can such as if it’s being sold “as is” or comes with some sort of warranty etc…

Before any money changes hands or you sign any paperwork at the dealership, call the insurance company from the dealership. Give them the specifics of the car. They will then be able to give you a correct insurance quote.

If it’s a reasonable quote for you, by the car. If not, find out what year/make of car from the insurer would make the payments lower and ask the salesperson if they have any of those on the lot.

Even when you do obtain insurance, don’t be afraid to then further call around or check online for cheaper rates. You can always switch after you obtain the insurance.

I hope this helps you. I wish you good luck in getting a car and insurance.

What do you think? Answer below!

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Q&A: Will my auto insurance rates go up if I get a red light camera ticket?

Question by Emily: Will my auto insurance rates go up if I get a red light camera ticket?
This is my first red light camera ticket but my second ticket this year. The first one was a speeding ticket. Will my auto insurance rates go up for a red light ticket?

Best answer:

Answer by Rocky Squirrel
Your insurance rate only goes up depending in which State you live. In States where red light camera tickets are civil penalities, then No. In States where red light camera tickets are treated like normal red light tickets; that is, a criminal misdemeanor, then Yes.

In all cases, all red light camera tickets are illegal no matter where you live. Your department of transportation does not paint the safe braking distance line on the road as required by the equation they use to set the yellow light duration. It’s a huge engineering defect we all overlooked so long as the police enforced the law. The police realize that deciding to stop or go when seeing a light turn yellow is a guess . . . and grant you leniency when you guess wrong by a fraction of a second.

Red light cameras are precision computers and do not allow the guess. The DOT must paint the line so that traversing an intersection upon seeing a yellow is not a guess.

Get tough and sue your city.

Add your own answer in the comments!

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Auto Insurance Rates : Tips for Getting the Most Out of Your Auto Insurance

Auto Insurance Rates : Tips for Getting the Most Out of Your Auto Insurance

Auto Insurance Rates : Tips for Getting the Most Out of Your Auto Insurance

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Home Page > Finance > Auto Insurance Rates : Tips for Getting the Most Out of Your Auto Insurance

Auto Insurance Rates : Tips for Getting the Most Out of Your Auto Insurance

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Posted: Sep 06, 2010 |Comments: 0
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Finding the best auto insurance rates and policy features your looking for can be difficult if you are not well informed of what your options are. Obtaining an auto insurance rate and optimum policy from just one auto insurance company can limit your options dramatically. We understand this and is why autoinsurancezen.com strive help you compare auto insurance rates and policies from some of the nations top auto insurance providers.

The internet has become the worlds largest market place and information source. Anyone anywhere can use it to find the information they need fast and easy. So why not use it to save yourself some money on your auto insurance? The simple answer is you should. The truth is millions of people obtain auto insurance online from hundreds of auto insurance companies nationwide everyday. Many save hundreds and many don’t often the people that could have saved didn’t because they did not shop around.

Getting the most out of your auto insurance buying experience is not doing all the work yourself. Auto insurance companies nationwide are currently competing for your business. So why pick just one? Let auto insurance companies compete for your business and save hundred on your auto insurance in the process.

Here are a few tips to help you when purchasing auto insurance online:

Auto Insurance: Driver safety and Other Auto Discounts

Auto insurance companies typically provide certain discounts on the auto insurance policy for safety options in a new or used car. Ask the auto insurance company if they provide discounts for:

* new vehicles less than 3 years old
* automobiles with low theft loss statistics
* vehicles with security features such as airbags, anti-theft measures, or anti-lock brakes
* protecting the automobile under the same auto insurance coverage (auto insurance loyalty low cost)
* overlaying auto insurance, homeowner’s insurance, or other insurance coverage from the identical insurance provider

Auto Insurance: Tweaking Auto Insurance Coverages

A surefire technique to lessen general auto insurance prices for a new auto insurance policy is to adjust coverages. Ask the auto insurance provider about:

* The best way to Get a Quote for Actually Low-cost Auto Insurance Coverage
* Auto Insurance coverage Reductions with Expanded Coverage
* Auto Insurance for Senior Citizens

* declining collision protection for a automobile older than 10 years
* elevating deductible on collision protection (e.g., 0 to 00)
* eeliminating rental reimbursement and towing coverage if the driver is already covered for roadside assistance under a new car extended warranty
* Reducing payment limits for uninsured/underinsured motorist bodily injury coverage
* Rasing deductible on complete coverage if the driver lives in an area with less crime, fewer natural disasters, fewer animal run-ins, or less probability for windshield chipping/cracking
* eliminating medical funds protection if already covered under private medical health insurance and personal harm protection (and don’t dwell in one of the 12 states that mandate PIP)
* reducing fee limits on private injury protection (PIP) protection if automobile is used solely often and for brief errands on side streets, and driver is roofed underneath private health insurance
* eliminating or reducing cost limits on rental reimbursement

Auto Insurance coverage: Good Driving Tips

After reviewing the new auto insurance coverage, the driver ought to think about the following smart driving tricks to cut back on his or her auto insurance costs:

* keep away from distractions and never drive whereas speaking on a mobile phone
* be a defensive, proactive driver
* obey the foundations of the highway and do not take pointless risks
* drive fewer miles (low mileage discount)
* drive safely to avoid having an accident history with auto insurance
* place multiple automobiles on the same coverage (a number of automotive discount)
* maintain good credit score and a great payment history
* take a defensive driving course (certain states only)

Auto Insurance coverage: The Bottom Line on Saving Cash

Buying the right auto insurance may be extremely complex and can normally be considerably exhausting to understand. But drivers can save significant amounts of money by asking the auto insurance provider about discounts on driver security measures, adjusting auto insurance coverage, and by following sensible driver safety guidelines.

So as you can see saving hundred and getting the best auto insurance rate anywhere can really be as simple as comparing auto insurance rates and policy features from top auto insurance providers nationwide and being informed of some the the discounts you could use to save you money and time.

AutoInsuranceZen.com makes this process easier and faster. Compare some of the top auto insurance providers nationwide here and get a free auto insurance rates quote today.

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Does auto insurance cover driver or car ?

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Some Tips for Insured on Keeping Your Auto Insurance Premium Rates Down

Some Tips for Insured on Keeping Your Auto Insurance Premium Rates Down

Some Tips for Insured on Keeping Your Auto Insurance Premium Rates Down

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Home Page > Finance > Insurance > Some Tips for Insured on Keeping Your Auto Insurance Premium Rates Down

Some Tips for Insured on Keeping Your Auto Insurance Premium Rates Down

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Posted: Apr 22, 2009 |Comments: 0
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Car Insurance: Different Premium Rates for Men and Women

Car Insurance: Different Premium Rates for Men and Women

To err is human and nobody can boast of not making a single mistake in life, including while driving in a car. Even if the person driving the car makes no mistake, chances are high that the person on the opposite side drives carelessly and accidents do happen. So, it is mandatory for every car owner to have a car insurance which would be beneficial for both the owner of the car and the car.

Car insurance is a type of insurance coverage for damage to the car including damage resulting from another vehicle. Car insurance covers a variety of things that depend upon the kind of car insurance that has been purchased. Car insurance carries a premium which is the amount a customer has to pay to obtain car insurance. The amount of premium depends on various factors and differs from one company to another.

In fact, there are different premium rates for males and females because it is a general fact that men are more likely to be involved in an accident than women. Likewise, the premium rates for teenagers are higher and have to pay more, since teenagers fall under the category of high risk. If the teenager takes a defensive driving course then, there is a chance of reducing the premium.

There is a deductible in car insurance for which the customer is responsible before the insurance provider offers insurance coverage for expenses and the deductibles also influence the coverage available. Car insurance also comes as collision auto insurance which covers the cost of repairs to a vehicle involved in an accident or the cash value of the vehicle, if it is beyond repair.

In the event of an accident happening, there may be a great deal of damage to the person as well as the car. Along with it, comes the financial liability. At least the later part can be reimbursed if the car is insured properly. If the car is uninsured, the person has to bear the mental agony, damage to the vehicle and the financial burden. So, it becomes utterly necessary and wise to take up car insurance.

Realizing the importance of car insurance, most of the countries around the globe have made car insurance mandatory. If a person drives without car insurance, he or she may have to face legal charges including suspension of driving privileges and also hefty fines and in some cases, jailing.

When car insurance is taken, it offers a peace of mind to the owner of the car and this fact would make him drive peacefully and safely and this factor itself would avoid many accidents. Every one owning a car has to possess a car insurance which is a way of protection, not only for the self but also for others on the road.

Visit http://www.car-insurance-choices.com to find useful tips and expert’s guidance for getting the best deals on car insurance premiums.

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Q&A: Brak wants to know, “Should married women have higher auto insurance rates than men”?

Question by Brak is Back: Brak wants to know, “Should married women have higher auto insurance rates than men”?
Sure seems like women have a discount on car insurance and married people have it cheaper.
But it’s the housewives who I see driving gas guzzlers around with soccer stickers on the back. Talking on their mobile phone while driving with coffee in their other hand.
They are worse drivers than me. I’m a 24 yr old bachelor & a safe driver.

Best answer:

Answer by Aaron in the Tarheel State
Women hadn’t aught to drive in the first place.
They are more a hazard than men.

Women should have a male driver and just sit back and relax while on the road.

Give your answer to this question below!

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Car Insurance Best Rates

Car Insurance Best Rates

Saving money on car insurance requires a combination of techniques that improve your insurability, decrease the rate of insurance for your vehicles, and provide you with a unique advantage when it comes to purchasing car insurance.

This article will outline seven techniques that will ensure that you receive the lowest possible car insurance rates.

1 – Choosing the Best Insurer

Cost is certainly one factor when considering car insurance, but your insurer selection should be weighted more heavily on reliability. You could easily call a number of insurance companies, ask for quotes, and simply select the lowest bidder. However, even if the lowest cost insurer saves you hundreds of dollars a year in premium payments, that savings does you no good if you find yourself in an accident, needing car repairs or medical attention, with an unreliable and unresponsive insurance company. A good company is crucial. It’s not just about car insurance best rates.

#2 – Customize Your Policy

Before you begin calling around, it’s important that you determine the level of insurance coverage you need. Not everyone’s insurance needs are the same. Some families own two or three very expensive vehicles, while other families own only older used cars. Some people are members of AAA, while others are not. The specific terms of a policy should be determined by your life situation and the value of the items being insured.

#3 – How to Become Highly Insurable

Whether you’ve already purchased car insurance, or you are getting ready to start looking, one of the best things you can do to obtain the lowest possible rates is to improve those things that car insurance companies look at when they calculate your insurance premium. There are several things you can do in the short term to improve your insurability standing, and there are also things you can do over the long term to improve it as well. This section will describe four major elements of this technique to save money on your car insurance.

#4 – Reduce Your Car’s Insurance Rate

Another extremely effective technique to obtain the lowest possible insurance rate is to improve those things about your car which car insurance companies value the most when they calculate your insurance premium. There are several things that you can do before buying a car that will dramatically decrease your insurance premium. If you’ve already bought a car, however, and are looking for ways to decrease your existing insurance costs, there are still methods you can use that will substantially cut your premium costs.

#5 – Gaming the System

In addition to all of the techniques already listed in this article, there are also additional ways that you can use the insurance industries rating rules and premium calculation system in ways that will reduce your costs. Again, use the industry’s rules to get car insurance best rates.

#6 – Constantly Update Your Policy

One of the most important things that you can do to keep your insurance premium at a minimum is to always remember to update your insurance provider of any changes in your life that can reduce your insurance costs. Forgetting to do this can be very costly.

#7 – Deciding on Liability Only

There comes a point in the life of a car when the decision needs to be made whether or not it is worthwhile to maintain collision and comprehensive insurance coverage.

Getting Rock Bottom Insurance Rates

If you carefully follow each of the sections outlined in this guide, you are guaranteed to receive the lowest possible insurance rates for anyone within your calculated risk bracket. No one should ever overpay for car insurance – especially given the fact that there are so many insurers in the industry competing for your business.

Most people overpay for car insurance out of sheer laziness. However the consumer that understands how car insurance works, and is clever enough to take advantage of all of its loopholes, will save significantly on their premium in the long run.

Before you step foot into another insurance office, or visit another insurance website, make sure to print this guide and follow it carefully in order to ensure that you get the best insurance deal possible. Remember, car insurance best rates are achievable.

Getting Rock Bottom Insurance Rates

You can view a more detailed version of this article at Car Insurance Best Rates.

7 Sure Fire Tactics To Save You Money On Car Insurance

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Car Insurance ? How to Compare Rates From Multiple Companies Instantly

Car Insurance ? How to Compare Rates From Multiple Companies Instantly

The reason we compare car insurance quotes from multiple car insurance companies is to make sure we‘re getting the best rates possible. Of course nobody wants to pay more money than they have to, but in the other hand we also want to make sure that our car insurance company is going to respond quickly and fairly in case of an accident.

What is unknown to many is that there is not one single car insurance company that is cheaper than others. One particular car insurance company can be the cheapest for one person but the most expensive for another. Each car insurance company has a certain category of drivers they want to insure. If you fit their category they will offer you a cheap rate, if you don’t, they will offer you an expensive rate. That is their way of filtering the people they want and do not want to insure. That is the reason we need to compare insurance rates from multiple car insurance companies, to find out which company will offer us the cheapest rate. The key is to find the company that offers the cheapest rate for you, but of course, it is important to compare rates from quality companies only.

There are many quality car insurance companies out there; however, some of those quality companies also have a high price to go along with them. How do we find a quality company for a cheap price? That, my friend, is the key question.

The traditional method of shopping for car insurance is to call around which we all know can be a long process. Another drawback of shopping for car insurance by phone is the probability of getting caught with the old “bait and hook” trick. That is when someone gives you a low quote by phone and hikes it up on you when you go into their office to purchase the car insurance policy.

In today’s world, luckily, we have the internet. The internet makes life a lot easier for all of us. Using the internet, we can shop for many types of things we may need which include shopping for car insurance.

Shopping for car insurance online is the best way to compare rates from multiple car insurance companies. Online, you can also read about a company’s history and make sure they’re a quality company. Most companies offer instant online car insurance quotes thorough their websites which makes obtaining car insurance quotes a lot easier than the traditional method of shopping by phone. Better yet, there are some websites that offer online car insurance quotes from multiple companies with one simple process. You can even purchase your car insurance online if you like the price. One such website is OnlineAutoInsurance.com. There, you can obtain quotes from quality companies such as Progressive, AIG, Infinity, GMAC, Bristol West, and several more. All with one simple process!

OnlineAutoInsurance.com provides online car insurance to all United States. One simple process will get you quotes from top insurance companies like Progressive, GMAC, AIG, Infinity and more!

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