I’m so tired of paying so much on my car insurance premiums. Is it still possible to get cheap auto car insurance? If it is, how can I get it?

Ruth

Des Moines, IA

Yes Ruth, it’s still possible to get cheap auto car insurance and here’s how you can do it:

• Keep your driving records clean.
• Make modifications on your insurance coverage, drop coverages you do not need. For example, it’s impractical to keep paying for collision and comprehensive coverage for an old vehicle.
• Drive a vehicle that is low profile.
• Make your vehicle safe, have it equipped with safety features.
• Shop around for car insurance quotes. Use the Internet for that.
• Ask for car insurance discounts.

Now, you may be wondering what car insurance discounts you can get. In most cases, these are the insurance discounts that insurance companies offer:

• If there are safety features in your car
• If you are a member of organizations
• If you have a profession that is low risk
• If you have more than one vehicle that you would be insuring
• If you are a senior citizen
• If you have low driving miles in a year
• If you are getting more than one insurance product ( like health or home) from the same insurer

To find out if you can get those insurance discounts ask your insurance agent the soonest possible time. If you can get those insurance discount, it can definitely help you get lower insurance rates and get cheap auto car insurance for yourself.

I’m having financial problems so I need to tighten my budget even more. I’m thinking on what I can do about my car insurance. My friend told me I could choose to have monthly auto car insurance to help me budget my expenses. Please tell me more about this. Thanks!

Kate

Bakersfield, CA

I understand what you feel Kate. We all feel how alarming the economic problems that our country is facing right now. And with this crucial moment, we have no choice but to tighten our budget even more. Saving as much as possible should be our number one goal.

So what other options can you do to lessen your financial burden when it comes to your auto car insurance?

Your fiend is right. One of the options that you can choose is to get a monthly auto car insurance. This may able to help you plan your budget more. Car insurance companies are offering this kind of auto car insurance payment plan. There are some companies that only ask for a down payment for a single month and the rest could be paid on a monthly basis.

Purchasing monthly auto car insurance is good for people who would want to pay their car insurance monthly. Auto car insurance terms vary among policyholders so the length of time on how long you would be paying for your auto car insurance bills on a monthly basis depends on it. If you have auto car insurance policy for three months, six months, or one year then your monthly payment for your auto car insurance could go on for those periods of time.

Auto car insurance for monthly payment is not created equally. There is no uniform price for auto car insurance since auto car insurance rates are governed by numerous factors like your driving records, the vehicle you own, your zip code, and a lot more. So for you to find out the most affordable monthly auto car insurance rate that you could get, check the Web.

I heard that getting higher deductible will give me cheap online car insurance. Can you tell me more about this?

Paul

Des Moines, IA

That’s correct Paul. Getting higher deductibles will give you cheap online car insurance. Let me just explain what a deductible is.

If you get involved in an accident and you file for your car insurance claims, there’s this portion of the claim that you need to pay first before your car insurance providers pays the rest. And that’s what you called the deductible. Below is a scenario that explains what a deductible is all about.

A driver is involved in an accident. And as expected, he would file for car insurance claims. His car insurance claim is $1000. He has a deductible of $100. So he needs to shoulder the $100 personally before the remaining $900 claim is shouldered by his own car insurance company.

That’s how the deductible works. If you were a driver with higher deductible, I’m sure you’ll do your best to avoid getting into any kinds of accident to avoid filing for car insurance claims. Because with higher deductible, you’ll only be required to pay more once you’ve made your car insurance claims. And that’s how car insurance companies view it. They deem drivers who have selected higher deductible as those who would avoid accidents to avoid paying a part of their car insurance claims.

Usually, the kind of car insurance coverage that offers deductible is the physical damage coverage also called as comprehensive and collision. This kind of coverage pays for the damage on your car regardless of who’s the at-fault party. As long as you have this policy, you can be sure that your car insurance provider will cover for the damage on your car.

The usual deductibles offered in the market today are $250, $500, and $1000. For some people, they opt to get lower deductible for comprehensive coverage since this only covers your car from slight problems like vandalism and give higher deductible for comprehensive that covers for collision-related incidents. So some opted to have a deductible of $100 for comprehensive while $250 deductible for collision.

Before deciding on whether you should get higher deductible or not, ask yourself first if you can afford to pay the amount of deductible once the situation calls for it. Also, if you think that you are indeed a very good driver that would not make any car insurance claims and have the financial capability to shoulder your deductible then do so. This is one great way to get cheap online car insurance thus saving on your car insurance bills.

To get more information about cheap online car insurance, ask your car insurance agent or check the websites to get cheap car insurance quotes.

Is it true that I will pay expensive car insurance bills here in Massachusetts because I’m a senior citizen driver?

William

Boston, MA

Yes, it is quite possible for you to pay higher than average car insurance costs because you are a senior citizen. Car insurance companies generally categorize their customers into age groups, and each of these age groups have their own risk level when it comes to getting involved in car accidents. Seniors are not in the best position to avoid auto insurance accidents as they used to be when they were younger, due of course, to the effects of aging such as poorer eyesight, slower reflexes and weaker stamina. The higher your risk, the more premiums you would have to pay for auto insurance coverage.

As a senior driver, however, there are still some effective steps that you can take to mitigate the impact of senior car insurance rates, here’s how:

1.If you don’t feel confident that you can navigate a vehicle through hazardous situations such snowstorms for example, it is best to refrain from driving at all. Getting into accidents and accumulating tickets are the fastest ways to increase your insurance costs.
2.If you can, drive an older or cheaper vehicle. Car insurance costs would be less.
3.Have additional safety and security features installed on your vehicle.
4.Take defensive driving courses.

To look for car insurance companies that can specialize in senior car insurance, as well as offer competitive rates, we suggest using our free auto insurance search tool. This tool is a great way to shop around and compare policies and quote offers, and find the most senior-friendly auto insurance companies in your area as well.

I am a new driver. I’m quite hesitant when shopping for cheap auto car insurance because I’m afraid that I may be mislead into getting something I don’t need at all. Can you give me some tips that I need to do when buying car insurance policy?

Eden

Sioux Falls, SD

These are some of the tips (if I may add important tips) that my mom advised me when I was getting my cheap auto car insurance for the first time:

First, if you are getting you car insurance policy from a car insurance agent, bear in mind that he is not a friend. I am not saying that you go ahead and treat him like an enemy. What I’m trying to say is for you to realize that he’s there to sell you something because that is how he’s gonna generate his income from. So, he may end up selling you something you don’t really need.

Second, request for an updated copy of your driving record. If you were involved in some traffic violations and you’ve already paid the tickets or have enrolled in driving school to have those tickets removed from you record, make sure those do not reflect in your records anymore;

Third, always remember that the higher the deductible the lower the car insurance rates.

Fourth, give truthful information. Do not even attempt to lie about your driving history because you auto insurance company will surely verify that;

Fifth, avoid getting collision or comprehensive coverage if you’re driving an old car. The rule of the thumb is simple, if the current value of your car is less 10 times of the amount you’re paying for your premiums, then it’s useless to even add those coverages in your policy;

For more information about getting cheap auto car insurance you may check with you department of insurance.

Have you guys noticed that so many websites nowadays offer auto car insurance quotes? Are these even any good? I’m thinking of switching because I saw some cheap quotes on the net.

Alex

Columbus, OH

Yes, a lot of auto car insurance companies do offer online quotes now. There are even websites that offer auto car insurance quotes from several insurance companies in one go. I think these sites are the best as they save us consumers a whole lot of time from sorting through several auto car insurance quotes coming from different companies if we did the work ourselves.

I think the quotes are reliable enough, but you shouldn’t just sign on with the cheapest provider. I suggest you take a look at the role the auto car insurance policy will play in your life. Does it offer enough coverage? Is the customer service of the company okay? How does it compare with other auto insurance companies in terms of value added services or benefits?

I think by answering these questions, you would be able to find the product that fits you best. You will have to take into consideration how much you are willing to pay for premiums and the amount of auto insurance coverage you will need. Don’t get too stingy with the premiums. Remember, if something happens, and you do not have enough auto insurance coverage, you will be paying for the costs out of your pocket! I do recommend that you leverage on the power of technology and use those auto car insurance quotes websites out there.

My mom just gave me a car as a birthday present. I would just like to ask if I can get my auto car insurance with just my learner’s permit.

Dominic

Los Angeles, CA

Hi Dominic! Well congratulations on your new car, and Happy Birthday, too!

To answer your question-yes, you can get auto car insurance with your learner’s permit. A person who has a learner’s permit means he or she is allowed to drive a car, but with certain restrictions (as compared to a driver’s license). This permit is given to those individuals who are learning to drive but haven’t met the requirements for a full driver’s license yet. (Actually, having a driver’s permit is one of the requirements in applying for a full driver’s license).

You can apply for your own auto car insurance from your chosen insurance firm; however you must look for an insurance company that will allow you to apply for an auto car insurance even if you only have a learner’s permit. I’m sure there are lots of auto car insurance companies in Los Angeles. Of course, you can also check the Internet.

On the other hand, if you can’t find your ideal auto car insurance company, you might want to ask your parents that you be covered under theirs. You can do that, actually.

Again, congratulations on your new car. It’s just that owning a car entails financial obligations, I’m afraid.

How can I keep my auto car insurance costs low? I’m planning to purchase a second vehicle here in Florida.

Vincent

Miami, FL

Good question! And a very relevant one considering how we have fallen on economically troubled times. Everyone should know how to keep auto car insurance premiums in check, so here are some effective ways to manage your insurance costs once you add a second vehicle to your policy there in Florida:

1.See if you can get multi-vehicle discounts from your carrier for adding a second vehicle. Most auto car insurance companies offer these.
2.If you haven’t done yet, take defensive driving classes that teaches how to stay safe while on the road, as well as makes you eligible to get Defensive driving discounts.
3.You expose your vehicles to less risk if you park them in a secured garage, this can help keep premiums from getting expensive.
4.Check to see what other types of discounts you are eligible to get to help you make for relatively cheap auto car insurance coverage.
5.Raising your deductibles is actually recommended, if you are comfortable with it or if you are buying an inexpensive second vehicle. A higher deductible actually makes for lower premiums.
6.Consider taking out an annual payment option. Making bigger payments actually costs you less as companies usually give incentives or discounts for paying in bulk.
7.Finally, take advantage of the many auto insurance websites and portals, like this one, where you can run free insurance quote checks to find cheap auto car insurance rates and offers. Not only that, you can also compare offers between many insurance carriers simultaneously, increasing your chances of keeping low cost auto car insurance coverage for your vehicles.

While I was in my mom’s car, she was talking about renewing her auto car insurance. Why should she? Is it, like, required or something?

Mary

Brooklyn, NY

Auto car insurance is important because not only will it protect you and your possessions, but it is mandatory in most states here in America, as well. All states require financial responsibility when driving a registered car or any type of vehicle. This is fulfilled by following the auto car insurance requirement and maintaining at least the state’s minimum insurance which is typically liability insurance. One could even get higher coverage if one so desires.

States differ in their mandatory requirements. In your state, there is a minimum amount of liability insurance of $25,000 for Bodily Injury to one person, $50,000 for Bodily Injury to all persons, and $10,000 for Property Damage in any one accident. This is usually referred to as 25/50/10 coverage. A ‘no-fault” coverage of $50,000 is also required in New York (unlike in other states where this coverage is not mandatory).

It is then one’s responsibility to have himself protected against events such as accidents, thefts and the like, which I hope you do not encounter in the future. When the time has come for your mother to renew her auto car insurance, take note of it and remind her to do so.

Hi, I am planning to change my auto car insurance company as we are moving from Illinois to Alabama. Will my previous auto car insurance policy still be honored in Montgomery? What are the major factors insurance companies consider when giving auto car insurance quotes?

Andrew

Springfield,IL

Your plan of changing insurance companies as you move to Alabama is a good idea as each state sets their own laws and statutes regarding motor vehicle requirements. With that, there is really a need to obtain a new auto car insurance policy to meet the requirements of the new state. You are lucky if the insurance company you are currently enrolled in does business as well in Alabama. Then you can contact them and ask them if it is possible to just change your policy from your old state to your new state. Keep in mind, too, that you have thirty days to register and acquire plates and obtain a local sticker. You also need to acquire a new insurance policy in Alabama within 30 days or less upon moving there.

For your other question, these are some of the factors that most insurance companies take into account when giving auto car insurance quotes:

• General Information includes address and contact information, including e-mail address.
• Vehicle Information includes make and model, annual mileage and ownership.
• Driver Information such as age, education and occupation for each driver in the household.
• Incidents which includes accidents, violations and auto car insurance claims in the last 5 years.
• Coverage includes name of current auto car insurance company, policy dates and amount of coverage you wish to purchase.

The Alabama auto car insurance minimum coverage requirement is $20,000 for bodily injury/death of one person, $40,000 per accident, and $10,000 for property damage per accident.

Good luck!