Car Insurance Instant » Lower http://www.carinsuranceinstant.com Car Insurance Resource and News Thu, 03 Nov 2011 09:01:50 +0000 en hourly 1 http://wordpress.org/?v=3.2.1 Lower Your Car Insurance Today http://www.carinsuranceinstant.com/lower-your-car-insurance-today/ http://www.carinsuranceinstant.com/lower-your-car-insurance-today/#comments Sun, 09 Oct 2011 09:02:07 +0000 admin car insurance comparisons

To help you here’s our top ten tips for lowering your car insurance premiums.

1. Shop Around

Car insurance is a very competitive industry, this works in your favour so make sure you shop around properly. Ringing around for quotes is a good start as you can start playing them of against each other

2. Online

If you can’t bear the thought of ringing up a load of insurers try an online comparison’s site. Some sites you can check over 95 % of car insurers in a couple of minutes of search time.

3. Specialist

It’s always worth searching out specialist insurance if you can. If you are a female, over 50 or a young driver there will be specialist insurers who will cater specifically for you and provide preferential rates.

4. Security

Having the right anti theft devices fitted should lower your premium. Get Thatcham approved immobilisers, alarms and trackers

5. Combine

If you have a few cars in the household you might be able to get some discount by insuring more than one car with the same firm. Also you might get discounts if you have already have your home insurance with the insurer.

6. Stick it in the diary/apply as new customer

To avoid being forced to decide quickly, stick it in the diary so there’s plenty of time to sort out a new provider. Apply for cover from your existing insurer as a new customer and it’s likely you’ll be given a cheaper price.

 

7. Voluntary Excess

You might want to look at voluntary excess. This is the amount you pay before the insurance company picks up the rest. This can be small but if you opt for a higher voluntary excess this would seriously lower your policy costs.

8. Limited Mileage

Try to predict approximately how many miles you will probably drive. A ‘limited mileage policy’ will reduce your insurance quote.

9. Pay in one go

Pay for insurance in one go as monthly payment plans can see the overall costs bumped up considerably.

10. Don’t inflate the price of your car

This can only lead to your premium being higher. If you have a crash or car is stolen you will only get the market value anyway.

]]> http://www.carinsuranceinstant.com/lower-your-car-insurance-today/feed/ 0 5 Ways To Lower Costs With Discounted Car Insurance Prices http://www.carinsuranceinstant.com/5-ways-to-lower-costs-with-discounted-car-insurance-prices/ http://www.carinsuranceinstant.com/5-ways-to-lower-costs-with-discounted-car-insurance-prices/#comments Thu, 29 Sep 2011 01:02:41 +0000 admin women car insurance

With gas costs constantly on the rise, car insurance is one area in which we can save some cash. Many of us pay more than we need to just because we don’t take time to seek out the best deals. If you want to find cheap auto insurance quotes, then here our top five tips.

How Often You Drive and The Type of Car You Drive – It’s typically more expensive to insure newer vehicles that make use of costly technology. Some anti-theft or safety features like alarms, air bags, and so on may help ameliorate the generally higher costs of insuring new automobiles.

On the flip side, the less you use the car, the less chance you have of getting in an accident and the less your policy will generally cost. Of course this varies depending on why you use the vehicle, and other factors, but be sure to tell your insurance company if you use your car less – it’ll pay off!

The Coverage Type – It goes without saying that, in general, the more comprehensive your insurance, the more you’ll need to pay. Be sure to get the kind of insurance you need, but if you really want to save money and get cheap auto insurance quotes then avoiding add-ons can help. You could also opt to pay a higher deductible, but it’s important to find the balance between the savings and being able to actually afford the deductible when it comes down to it.

Opt for Gender Specific Insurance Companies – Men can’t take advantage of this, but statistics say that women make fewer claims, meaning car insurance is often cheaper if you go for a female-only deal. More and more insurance companies are also now targeted exclusively at women.

Show That You’re A Good Driver – If you can prove that you’re a good driver then you’re going to be seen as less of a risk in the eyes of the insurer. This puts new drivers at a disadvantage, but you can always take an advanced driving course to reduce your premium. If you’ve been driving for longer, building up a no claims period can greatly reduce the amount you pay.

Do Your Research and Compare – Every insurer is different, and one that offers the best deal for women, for example, might not be the same as one that offers the best deals for newer drivers. Find a comparison website that covers your state and you can make the task of researching and comparing far quicker than it would have been otherwise.

Getting cheap auto insurance quotes is never guaranteed – there are simply too many factors at play. But, if you do your research and compare as many policies as possible, you’re sure to make significant savings.

In everything you do, it is important that you get insurance. It sure costs dollars nevertheless you must have auto insurance so you might be considered a trustworthy and safe driver. If you feel you simply can’t pay for the high cost associated with vehicle insurance nowadays, just remember and follow the above mentioned suggestions to acquire auto insurance savings – look around and ask for discounts.

 

]]> http://www.carinsuranceinstant.com/5-ways-to-lower-costs-with-discounted-car-insurance-prices/feed/ 0 How to Lower Your Car Insurance Cost Today http://www.carinsuranceinstant.com/how-to-lower-your-car-insurance-cost-today/ http://www.carinsuranceinstant.com/how-to-lower-your-car-insurance-cost-today/#comments Sun, 25 Sep 2011 17:08:23 +0000 admin company car insurance

If you plan to buy a new car or you think you are paying too much for your car, you may try some of following tips to negotiate a lower car insurance rate:

1) Avoid being involved in any accident.

The fewer accidents are recorded to your file, the lower car insurance price you can get. There are different kinds of accidents associated to car insurance. For example, when you park your car, if possible, you’d better park it in a secure place. Normally, indoor parking is more secure than the outdoor parking along the street. When you park your car indoor, it reduces the risk of getting your car scratched by others’.

2) Take advantage of low mileage discounts.

Some companies offer discounts to car owners who drive a lower than average number of miles a year. Therefore, if you don’t use your car for going to work each day and you only use your car on weekends, why don’t you negotiate with your insurance provider for a low mileage discounts?

3) Keep a stable relationship.

Some insurance companies offer great discount to married car owners.  For example, if you have been married or stay in a common-law relationship for more than three years, you may pay less each month for your car insurance. The logic of those insurance companies is: when you can stay in a stable mutual relationship long time, it might prove you are a responsible person and you won’t be willing to take some risk on the road while you are driving a car.

4) Buy your home and car insurance from the same insurer.

Many insurers may give you a big loyalty discount if you buy two or more types of insurance from the same company. Besides, if you have more than one car insured with the same insurance provider, you may also get a reduction.

5) Get your driver license as early as possible.

The longer time you have held a driver licence, the bigger discount you may get from the car insurance company. Normally, a driver with 10-year experience pays less for his car insurance than a new driver. Most car insurance companies believe that experienced drivers are involved less often in road accidents. Therefore, even if you don’t plan to buy a car very soon, you should get your driver license as early as possible. Then in 1 or 2 years, when you buy your own car and get your own car insurance, the insurance company may consider you as an experienced driver and give you a big cut on your insurance cost.

]]> http://www.carinsuranceinstant.com/how-to-lower-your-car-insurance-cost-today/feed/ 0 The rate of auto insurance for young people – 4 proven ways to lower prices http://www.carinsuranceinstant.com/the-rate-of-auto-insurance-for-young-people-4-proven-ways-to-lower-prices/ http://www.carinsuranceinstant.com/the-rate-of-auto-insurance-for-young-people-4-proven-ways-to-lower-prices/#comments Fri, 22 Jan 2010 12:21:30 +0000 admin Young people can feel stressed when, how high rates of car insurance for young people could be seen. They fear that their parents are not willing to pay for big expenses and there is no way they can, driving without car insurance. Most young people still studying, making it almost impossible to pay for them to spend money for their car premiums. However, there is always light at the end of the tunnel for these teenagers. One thing they can do is help their parents obtain low car insurance rates, and their parents to be more willing to pay for it.

It is a known fact that teenagers are often inexperienced in driving and they have a degree of carelessness in their conduct. However, youth can still defensive driving, take courses that are appropriate to educate them in the drivers better. When young and pass these courses provide evidence of their insurance, their prices lower automobile insurance rates for young people since these courses are known to help reduce the risks of driving.

Young people usually try to drive expensive cars, so they can show their friends. Of course, it’s glamorous to drive luxury cars, but they should really consider whether they really need such expensive cars. Not only do these vehicles will increase their prices, but it is also put at risk in order to participate in accident investigations. Young people should best cars come with secure rating. Insurance youth prefer to go heavier cars and more when it comes to insurance rates cheapest car for teens.

Ask good student discount. Students who have obtained good grades in school to show their certificates of insurance to qualify for good student discount. Young people should study more and try to score better in school, so they are able to obtain an appropriate car insurance for young people. In addition to lightening the burden on parents, good grades and help them gain a place at university in the future.

Last but not least, young people can ask their parents set higher deductibles for their policies. A higher deductible will automatically lower their premiums. Just make sure that their parents pay the amount of surplus they can afford, there are franchises, they must pay in case of claims made.

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]]> http://www.carinsuranceinstant.com/the-rate-of-auto-insurance-for-young-people-4-proven-ways-to-lower-prices/feed/ 0 Car Insurance Rates – 4 Ways to Help Your Teen Get Lower Rates http://www.carinsuranceinstant.com/car-insurance-rates-4-ways-to-help-your-teen-get-lower-rates/ http://www.carinsuranceinstant.com/car-insurance-rates-4-ways-to-help-your-teen-get-lower-rates/#comments Wed, 20 Jan 2010 12:19:18 +0000 admin Statistics show that teenage drivers are much more likely to be involved in vehicle accidents, and these statistics tend to increase auto insurance rates for teenage drivers. Parents who are young people who will learn to expect to pay prices that are slightly higher for teens. However, there are a variety of ways that you work together with your child to get lower rates on your auto insurance. Tip # 1 – Teach Your Teen laws One of the best ways your teen can get auto insurance is low by increasing their driving record completely clean. For young people to lead a clean driving record, they must know and understand the rules of movement. As a parent, you must make sure your teen understands and studies the laws, what they mean and how they apply to driving. Remember that some state laws have meaning only in relation to new drivers, so make sure your child is aware of these laws, as well. Not only should you read and learn the laws for driving, but you must also learn to help the right, by your example. Follow the traffic rules even if you’re traveling, and communicate with your child how the laws are important for security. Tip # 2 – Add your teen to your policy While some parents tend to keep this separate insurance for your teenager, you can save a lot of money when you add it to your current policy. It is possible that the rebates are you from your policy could be transferred to them as well and when they buy their own car to drive, discounts you can still best to add another car to your policy. Tip # 3 – incentives for good grades Most car insurance companies that offer discounts for young people who have better than a “B” average in school. Save up to 10% if your students to keep good notes so that you promote the youth while maintaining incentives to their classes. Provides an incentive for good grades can also help keep them working hard and apply themselves at school. You may want to know as much as how much money you could save on insurance if they want to get good grades and then they pay the amount you save. This is a great motivation for young people to maintain their grade and teach them how to save on car insurance. Tip # 4 – Driver Training Once your teen driver education class can be a good way to teach them the important laws and knowledge on driving. If they bring a certified course, you can use for discounts on your auto insurance and price. If you do not know what classes will receive a discount from your insurance company, then give them a call and find out before you pay for your teen to take the class. Following these tips can help you pay your teenager through the early years, when a driver without extreme amounts on auto insurance. Remember, while automobile insurance rates for your teenager driver is probably a little higher, you can help them lower their insurance premiums with a little work.

To learn more about how you can save money and reduce your car insurance premium, please visit the rate of self-insurance info. com. We provide impartial information on the best ways to find discounts of insurance, the average auto insurance rates need to compare companies, and maintain safe and can save money all year.

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