Ways To Save On Car Insurance

What would you say if I told you that you might be able to save over $500 on car insurance in less than an hour? And that you could complete the entire process from home? Here are seven different ways that you just might be able to save hundreds of dollars on your car insurance if you simply take a few minutes to put these tips into action:

1. Drop Coverage You Don't Need

The beauty of doing a car insurance coverage checkup every six months or so is that even if it turns out that your current car insurance coverage is still the best value out on the market you may just find out that you are paying for a part of your auto insurance policy that you no longer need.

Not only do insurance rates change quite often but your insurance needs change more often than you may think. If you have a new teenage driver or have added a new car to your policy or have moved to a new zip code or--well, the list goes on and on. All of these things may potentially cause you to be paying for coverage that you no longer need.

2. Search for Discounts

Never assume that because you searched for all of the car insurance discounts available 6 months ago that now there are no new discounts that you may be eligible for. New opportunities for saving money with a car insurance discount program pop up all of the time as different companies announce different discount programs in order to increase their market share.

3. Improve Your Credit Score

It's no secret that a better credit score will result in better car insurance rates. You may have been working hard to improve your credit score over the last few months in order to qualify for lower interest rates for a home loan or auto loan and you are now starting to see some of your hard work pay off.

When you see an increase in your credit score don't let the opportunity slip by to check and see if this credit score improvement will result in an improvement in your auto insurance rates as well. You've worked hard to improve your credit score so why not spend a few minutes to see if that can only help you get a lower interest rate but a lower car insurance rate as well?

Take some of your car insurance savings and use it to treat yourself to a nice dinner at your favorite restaurant--you deserve it!

4. Pay Your Premiums With a Credit Card

Wanna shave off 1 percent to 5 percent off of your total car insurance premiums just by changing your method of payment? With the average cash back credit card earning you anywhere from 1 percent to 5 percent cash back that's like getting a bill from your insurance company and then having to only pay 95 percent to 99 percent of the total instead of the full 100 percent!

One to 5 percent may not seem like much but as you can see with a cash back credit card calculator that money can quickly start to add up--depending upon how much money you spend each month if you use that cash back card for many of your purchases then your savings could end up being enough to pay for an entire year of college tuition after 15 to 20 years!

5. Tell Your Kids to Keep Their Grades Up

Virtually all of the major car insurance companies offer some form of good student discount. If your kids get good grades then you save money. Some companies offer savings for a lackluster C while most offer savings for you that range from 5 percent to 15 percent if your student maintains a B or an A on their report cards.

Maybe it's time to pass along some of that savings to your kids as a financial incentive to keep their grades high (after all, why not just let the insurance company pay your kids to get good grades rather than you?)

6. Take a Driving Course

OK, maybe you don't want to tell your spouse that you are signing up for a driving course because no one wants to admit that they may not be the world's best driver BUT if signing up for a defensive driving course that will take up minimal time and save you money--why not?

After all, at least you aren't one of the world's worst drivers - at least I hope not! Taking a driving course just one time can result in lifetime savings on your car insurance.

Check with your car insurance company as to what type of courses and course providers they will recognize for a discount on your policy.

7. See If Your Occupation Can Save You Money

Did you know that when car insurance actuaries calculate car insurance rates that they actually assign different risk classes to different types of occupations? Some occupations have cheap car insurance rates while other occupations get assigned an added level of risk that increases their rates.

The various occupation risk assessment algorithms will vary from one insurance company to the next but generally speaking professions like engineering and teaching will receive lower car insurance rates than business owners and attorneys. So what do you call yourself if you are an engineer that owns their own business? You tell me.

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Military and Car Insurance

Military members that are serving in the AirForce, Army, Marines, and the Navy deserve alot of respect and thanks from all of us.  They are the ones that protect our country from all the people that would harm it.  I am going to write about military and car insurance because i want to help the men and women in uniform and try to save them a couple of bucks.  I have served in the AirForce and am a Iraq veteran, with that being said i have had alot of car insurance some were cheap some were expensive.  I have had Geico car insurance (expensive even with that military discount), Progressive car insurance (its somewhere in between expensive and cheap),  AllState car insurance (same league as Progressive car insurance), State Farm auto insurance(this one was a little bit cheaper than Progressive car insurance but still not cheap enough), and now the cheapest car insurance a military member can have is USAA auto insurance.

Ok a little background on USAA auto insurance.  

Twenty–five Army officers founded USAA to insure each other, when no one else would. Generations later, our military, veterans and their families may still pass down the legacy of USAA membership — and earn the exclusive privileges of our auto insurance.

USAA offers top-rated auto insurance coverage at low prices. We take care of our members with legendary customer service — and average savings of $450 a year when you switch to USAA auto insurance

 What USAA auto insurance offers:

Average savings of $450 a year when you switch to USAA Auto Insurance. You may save even more when you own another USAA product, like property insurance.Accident Forgiveness for good drivers for as little as $1 per month.Safe driver and good student discounts. Flexible payment options at no charge according to your pay schedule.

Now here is a reason why i love USAA car insurance. As a Massachusetts resident, I am limited  to my car insurance options, especially pricing wise. I called USAA one day after recieving a 1200/yr quote from Safety Insurance for my old beat up truck. USAA quoted me 680/yr for the same coverage. So I upped my coverage (which allowed me to get my windshield replaced later). At 725ish per month, I have excellent coverage (not top of the line though, as I choose not to put extra insurance on an old vehicle), and I saved about 500/year. Did everything over the phone in a single lunch break!!

In addition to this, I recently filed a claim (as I am a little clutzy) for bumping into a parked car. I didnt have to pay any detuctible and my claim was handled in 1 phone call and a single fax. Unbelievable!

Highly reccommended!

10 Myths about Car Insurance

Every day you hear such statements: “The credit score does not affect insurance premium” “The color of a car influences auto insurance rate”, “I already have auto insurance coverage so if I buy another car, it will be automatically covered”. Are these allegations right? Of course not! I will provide you with the list of myths, which are believed and followed by car owners every day. I hope that the truth will change your thinking.

Myth #1: "I don't need auto insurance, because I've never had or been involved in a car accident."

False. Even if you are among such drivers who are lucky enough to avoid accidents, the car insurance is the best protection you can have in the event of auto accident. There are some forms of auto insurance that are required by law to be in a car at all times; in case of their absence you may be strictly penalized.

Myth #2: "Auto insurance for males under the age of 25 will cost more."

True, up to a point. Males under 25 years old usually pay more for car insurance as compared with female drivers under 25. However, applying to all, teenagers and seniors are such age groups which are typically involved in more automobile accidents – that is why they pay more for auto insurance.

Myth #3: "My insurance rate is not affected by my credit score."

False. Your credit score really matters. A lot of Insurance companies take your credit score into account when you want to purchase, change, or renew your auto insurance coverage.

Myth #4: "The government sets insurance rates."

False. The government does not set any car insurance rate. Only car insurance companies are allowed to set the rates and the state's insurance department only regulates them. Your premium is actually affected by such things as your place of living, your credit score, your marital status and your driving record.

Myth #5: "Personal and business use of the car is covered by your personal auto insurance."

Be careful. It can cover it, but you need to check it with your car insurance company. If sometimes you use your personal car for business purposes (transporting clients, going to and from meetings or hauling business equipment), then extending your personal car insurance to cover your business use is really for you. Plus, in case you have employees who use their cars while working for you; it is better to obtain a separate non-owned car insurance policy.

Myth #6: "The no-fault insurance type implies that I’m not guilty in the accident"

False. Usually no-fault insurance implies that your insurance company makes payments for the damages regardless of which person is guilty.

Myth #7: "Such thing as the color of my car determines my insurance rate."

False. The color of your car does not influence your car insurance rates. Your rate depends on your vehicle's year, make, model, body type, engine size, as well as your credit history and driving record.

Myth #8: "In any case, I'm still covered for such risks as theft, windstorms, hail and deer accidents, even if I have no comprehensive coverage."

False. Many drivers believe that if they purchase only collision insurance — which covers damage to their car resulting from driving accidents — that they will be covered for incidents caused by vandalism, hail, animal accidents and fires as well. It is not true. If you want to protect your vehicle from all of these situations fully, you need to purchase both collision and comprehensive coverage.

Myth #9: "If my friend or a girlfriend uses my car under my permission and gets into an accident, his or her insurance will be used to pay for the damages."

False. The responsibilities lay on the owner. Moreover, even if you weren't present at the time of the accident, it will go on your insurance record and will cause the growth of your insurance premium. Sometimes in the event when the damages exceed your policy's limits, your friend's insurance could act as excess insurance.

Myth #10: "A few months ago I have already paid my insurance premium, so there is no need for an additional coverage for my newly purchased vehicle."

True, but partially. Almost all insurance policies require the policyholder to notify car insurance company or an agent within a specified number of days after the purchase was made.

If you have any questions or comments, please let me know in the comment section below.

Auto Insurance Companies Vary – Do Your Research

Do you remember the time you purchased your first car?? The thrill you received when you drove it off the lot and it was yours. Hooray! Nothing could take away from your excitement. Until you realized you had to get your car insured. What were you going to do? You had to make sure that prized possession of yours was protected against any future harm, however those online surveys about coverage options just seemed confusing and talking to agents did not seem to help either. Shouldn’t they offer a course in car insurance?

Here are a few helpful hints that will help you when doing your research to find the perfect car insurance to suit your needs. There are a lot of options out there and different types of coverage for your vehicle.

• Fully Comprehensive Auto Insurance: This type of coverage is the most expensive, however most common. It does what the title suggests – insures the car against all types of claims from theft to accident.

• Third Party, Fire & Theft: This coverage is popular among people who have already paid off their car loan. It covers, fire & theft, however if you are involved in an accident the insurance company is only required to pay out if you are at fault.

• Third Party Insurance: This covers an accident when you are at fault.

With this information you can correctly choose which type of coverage would be best suited for your needs.

Welcome to My Car Insurance Blog!

Thank you for stopping by and check back soon for Insurance Auto information. You can save a lot of money on your car insurance premiums just by making a few small changes to your coverage levels.

There are even ways to get car free insurance online quote.

There are even places that give Instant Car Insurance Quote.

I will be talking about all the major insurance companies like Geico, State Farm, Nationwide, Allstate, Progressive, USAA, AAA, Liberty Mutual and ill even talk about Essurance.