Monthly Archives: May 2014

Auto Insurance: Collision Coverage-kiplinger

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That means the market value of the car before the accident, minus the salvage value of the damaged vehicle. The company does not have to pay more than $3,500 in repairs.

Cheap Car Insurance with Full Coverage for College Students, Get No Money down Auto Insurance – Town Square – Strongsville, OH Patch

“Home ownership does matter. What that means is that the insurance company sees you as a little more responsible,” says Laura Adams of There’s a lot of confusion over how much influence drivers have in setting rates. Education level is one factor. “Someone with a master’s degree may get more favorable rates than someone with just a high school diploma,” says Adams. Income, she says, doesn’t matter that much, but your credit history does regardless of income bracket. “Even folks with low income can have good credit. They don’t have to be interrelated,” says Adams. Copyright 2014 Scripps Media, Inc.

Lower your car insurance rates: Helpful hints for drivers to save money –

Similarly, the college student car insurance premium will also have to be repaid over a period of time. Hence, every student should ensure that they choose the college student car insurance wisely so that the monthly expense does not go beyond their repayment capacity. The advantages of finalizing affordable auto insurance for college students will also seep into the repayment process and thus help the students repay the loan and the insurance without any hassles. The best way to get hold of the most affordable car insurance premium is to go online and visit sites like IQL in order to get an idea about the different types of premiums charged by different lenders and then select an online car insurance quote that best meets ones budget and repayment capacity. The best part about going online is the option of choosing from a vast number of quotes and finalizing the one that not only seems affordable but is actually affordable for the college student. Insurance firms however consider students as very risky borrowers since statistics reveal that the maximum number of car accidents has taken place when young drivers are behind the wheels. In order to safeguard themselves these insurance firms charge higher premium on college student car insurance quotes than it does for employed people.


Horwath Blasts Liberals On Auto Insurance, Wants Cuts Passed On Immediately

Horwath said she believes money is already owed to drivers for changes the Liberal government made in 2010. An NDP government, she said, would force insurance companies to pass on any rate reductions to motorists immediately, adding the current delay of three to six months on rate changes should not occur. “If the government makes a change to get the rates down, then that rate change should happen immediately.” Rates have come down an average of close to six per cent since August 2013, according to Ministry of Finance figures. Still, the Insurance Bureau of Canada says the current system is “simply not working.” “Too much of the money doesn’t actually go to accident victims,” the bureau says on its website. “Instead, it pays for other costs like legal fees, fraud and assessments by for-profit medical facilities.” In a statement, the Liberals pointed out that some voters have told Horwath their insurance rates have come down. “Like a lot of things Andrea Horwath says, her auto insurance rhetoric sounds good, it just isn’t true,” the party said in a statement. Horwath opted for mainstreeting rather than new policy announcements Tuesday.

Car Insurance: How To Get A Lower Rate | Phoenix

You also want to be sure to ask your broker or agent about discounts for which you might qualify. Oltmans said not only are there discounts for teens and those over 55 who go through a specific education program, there also are different association discounts, including a potential option for Arizona State University students and alumni. Another thing to keep in mind is your credit score’s effect on your rate. If you’ve had credit trouble in the past, do what you can to clean it up and be sure to stay in touch with your insurance agent as it improves. Once you have settled on an insurance company and policy, do not just sit back and consider the job done. Oltmans suggests you shop around every two years and combine policies — homeowner’s, renter’s, etc. — whenever you can. Most insurance companies offer multi-policy discount. Finally, consider installing a vehicle telematics device that tracks your driving habits. If you’re a good driver, that could get you a discount.

Lower Your Car Insurance Rates With These Tips

Protecting your car is not the only reason to have auto insurance. However, it can also protect you and those involved. When you get your policy, you are going to want to be sure that it covers everything that you expect it to. Use these tips to get the best auto insurance coverage possible.

You can reduce the cost of your auto insurance premium by driving less per year. Auto insurance companies generally offer discounts on your premium depending on how little you drive.

Try and avoid getting points on your license. Speeding tickets and accidents can really cause your insurance premiums to run high. If your driving record is poor, consider taking a safe driving course to improve your driving and help avoid future accidents and citations. It can reduce your premiums over time.

There are many types of insurance policies available, cheapest auto insurance and becoming familiar with them is worth your while.. If you are just getting insurance on one car, there are still many things to consider. Know what your policy covers in the event that you hit someone.

Your vehicle’s make and model is the number one influencing factor on your auto insurance rates. A luxury car or sports car may suit your personality, but the resulting insurance cost may not be to your taste at all. Choose a vehicle that’s safe and modest to receive the lowest insurance rates.

If you need additional coverage, look into optional insurance packages. You are going to have to pay a higher deductible, but it might work out for you in the long run. Obtaining uninsured motorist coverage makes certain you will be compensated if you are involved in an accident with a driver who has not purchased insurance or if you are hit by someone who hits your car and flees the scene.

Property damage liability is a very important thing to include in your auto insurance policy. This type of insurance covers any property damage your car does during an accident. Almost every state requires this coverage. Many add to this a coverage for “uninsured drivers” who lack this liability insurance. Causing damage in a car accident is very expensive, and liability insurance can save you a substantial amount of money in the long run.

Maintaining a good driving record is key to getting the best insurance premiums possible. No one event will boost your insurance rates like a collision will. Do what you can to avoid accidents. Drive carefully and avoid taking roads you are not comfortable driving on. If you have a hard time seeing at night, you shouldn’t drive during this time.

Don’t jump right away on the cheapest auto insurance quote you receive. Cheap may mean just that or it could be what you need. You have to get to know more about the company and the policy that you are opening before you rely on it to cover any damages that occur during an accident.

Take this information into consideration and review your policy. It is possible that your policy lacks some coverages you need, and has some that you don’t.

New Company Offers Cheap Insurance And Free Insurance Quotes

A new internet based business has been launched. is intended to help Americans in finding cheap insurance. They specialize in home, life and cheap car insurance.

Seattle, WA – A new company, has been launched with the goal of finding Americans cheap insurance. is a web based portal that provides free insurance quotes. Visitors have full access to free insurance quotes from all of the top providers. In addition to insurance quotes visitors can utilize a catalogue of information regarding insurance.

When asked about the new company representative Michael Borg responded, “Ours is not the first insurance website by any means, but we do provide a fresh iteration. Our company’s goal is to find our visitors the cheapest insurance possible. We aren’t affiliated with any single insurance provider, so we are unbiased in our services. Our website provides visitors with numerous resources to aid them in their quest for cheap insurance.”

The new company’s website, provides numerous resources for their visitors to find cheap insurance. Visitors can learn what factors affect insurance rates and what they can do to lower their premiums. There is a library of information on car, home and life insurance.

Americans may receive free insurance quotes from top carriers directly through the website. Quotes are provided in real time, and users can select which carriers to receive rate quotes from. The website is now live and freely accessible to the public at

About is a brand new web portal for Americans to find cheap insurance. Visitors in search of cheap insurance are welcome to peruse the vast resources regarding insurance. Visitors can utilize the free quote system at