Tag Archives: Full Coverage

is there a way to pay less for car insurance?

  By John | January 16, 2010 - 3:54 pm | Low Cost Car Insurance
9 Comments

i’m planning to buy a car next year.
it will cost around 11000 and i’m planning to downpay 5000.
so 6000 left.
and my dad wants to pay that 6000 with his credit card so he can put the car under liability instead of full coverage.
our family has 2 cars each under my parents’ names.
so what is the best way to lower the insurance for me
i’m 21 yrs old guy no accidents or tickets.
our insurance company said it would be about 1600/yr for me..
is that average?
is there a way to lower the insurance?

best way is to raise the deductibles.. then talk about lowering certain coverages or shopping insurance companies.

How can I renew my auto insurance in the State of Florida?

  By John | December 29, 2009 - 9:49 am | Auto Insurance
4 Comments

My six month policy is due to expire next month and I need full coverage for my 2004 toyota corolla. I have never had to do this before, any tips or anything I can do as far as renewing my auto insurance in the state of florida?

Where did any of you read anything in the question about moving to Florida? Not even implied in the question.

You will get a renewal notice and a bill shortly before your policy is due to expire, anywhere from 2 weeks to 30 days before. Just pay the bill and it’s renewed. If you don’t get a notice, call your agent.

Cost for car insurance for a teenager?

  By John | December 13, 2009 - 3:25 pm | Low Cost Car Insurance
5 Comments

I’m 17 right now and don’t really need a car (I do have a license though). When I’m 18 I will NEED the car to commute to and from college. How much is it going to cost to get insured – possibly to be added to a parent’s plan?

I’ve taken driver’s ed, have a high gpa… what else can I do to lower the cost?

PS. I’ll probably be driving a 1995 Geo Metro.
I don’t have insurance now.
What’s full coverage? I’ll need it for commuting every day of the week, so I imagine that I’ll need the extensive coverage.

Can anyone offer me a dollar estimate?

The minimum insurance you’ll need is liability. Insurance rates depend upon a multitude of factors.

ZIP code (where you live)
Amount of liability coverage you want
Amount of collision and comprehensive coverage you want
Amount of deductible
Marital status
Credit rating
Type of car
Student status & grades
Your age
Driving history
Citations in the past 3 years
Work history
How car is used – to & from work or do you use it in your work.
Estimated number of miles driven per year
Distance from residence to work/schol
…and about 15 other factors

Full coverage is liability & collision & comprehensive & under insured motorist & un-insured motorist.

Collision and comprehensive is only required by your lender if you finance the car. It’s optional if you want to bear the risk of losing your car due to an accident, theft or fire. If the car has little value, then you may not want Col/Comp coverage as the cost would be more that the car is worth.

Only an insurance agent can give you a dollar estimate that’s worth anything. Contact several. Keep in mind, cheap insurance comes with a lot of restrictions that can result in denied or limited coverage. Examples may be an accident as a result of a DUI, delayed reporting of the accident, etc. Read the policy before buying.

Car Insurance for 16 Year old Boy in CA?

  By John | November 25, 2009 - 7:08 pm | Low Cost Car Insurance
3 Comments

I am looking to buy a car, I had a list of all these cars… but then when I had a quote put on them… I was shocked. I was looking at BMW 325i, Jeep Cherokee, and Mitshubishi Montero… each costing around 2500 for full coverage. What car brand or type would have a relatively low insurance cost for my age and gender group?

You need to be looking more at cars like a Honda Accord – economy cars to get a good price. Make a list of cars then go online & get quotes. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.

Go to: http://www.insureme.com/landing.aspx?Refby=616165&Type=auto

Take care,
Casey

Austin Auto Insurance – How to Get the Best Deal

  By John | November 25, 2009 - 6:23 pm | Low Cost Car Insurance
Comments Off

Austin auto insurance is an important part of your daily life. It may not seem like more than another monthly payment, but you are putting that policy to use every time you get behind the wheel. Not having car insurance in  can cost much more than a yearly premium if you have an accident or get caught driving without it.

A good policy doesn’t necessarily mean the cheapest policy, but you shouldn’t have to pay more than you can afford for auto insurance. When shopping for quotes through an Austin insurance company, there are some things you can do to get the lowest payments possible.

The first thing to look at when shopping for car insurance is what kind of vehicle you own. An new, expensive and/or sporty car will probably cost more to insure. If your vehicle is on the list of highly stolen cars, expect to pay a higher premium. Your Austin TX insurance agent will be able to tell you if your car is on that list. Also, an older vehicle that has a value of only a few thousand dollars can be inexpensive to insure because you can carry liability only, rather than paying for full coverage.

One thing you shouldn’t do when shopping for auto insurance is to get a policy that leaves you underinsured. Medical costs are getting higher each year, which means if you have an accident you may end up having to pay for what your cheap policy doesn’t cover. Find an Austin insurance company that will work with you to find the best coverage for your needs. If your premiums are still too high, consider driving a different vehicle that requires a lower priced policy.

Combine policies for a discount on your premiums if you have auto insurance coverage with the same company that carries your home and/or health insurance. Most Austin TX insurance companies offer discounts for multiple policies. Another way to get a discount on your Austin auto insurance policy is to have a clean driving record. Accidents and traffic violations can mean higher payments.

Buy from a reputable auto insurance company. Some insurance companies may offer lower monthly payments, but in the event of an accident you may find yourself with very little customer service and a much higher renewal premium.

Shop around for a combination of low rates, quality coverage and good customer service. Not every auto insurance company can offer all three of these important factors. When it comes to insurance in Austin, getting the best coverage comes down to contacting an insurance agent that is willing to work for you to get the coverage you need and a policy you can afford.

Visit the Austin State Farm Agent Bridgette Hearne website at http://www.bridgettehearne.com to get Austin auto insurance information or a rate quote.

Scott Hearne
http://www.articlesbase.com/insurance-articles/austin-auto-insurance-how-to-get-the-best-deal-736079.html

How do I make an auto insurance claim for scratches through auto owners?

  By John | November 22, 2009 - 7:32 am | Auto Insurance
6 Comments

I bought a used car a few months ago that had a near flawless finish. Over the past few months it’s been scratched several times by my nephew on his bike. We’ve talked and now I need to file a claim with my insurance. The marks are everywhere, back of the trunk, right rear quarter panel, hood, left rear quarter panel.

The problem is, before I knew I could claim damages, I used a touch up kit to cover the scratches and gouges so they are hard to see. But I could still take pictures of them as they stand now and probably get a letter from the salesman, proclaiming the condition that he told it to me in. What else do I need to file a claim with Auto Owners? Yes, I have full coverage, including comprehensive.

I would settle out of pocket or pay for this yourself, each one of these scratches is a separate occurrence… which means for each scratch before your insurance will pay anything you have to pay your deductible for comprehensive/other that collision coverage. Typically this is $500 or so for each scratch… in the end your only going to end up with a higher premium and nothing from your insurance company to show for it.

How can I get lower car insurance for my old car?

  By John | November 22, 2009 - 7:32 am | Low Cost Car Insurance
7 Comments

I have a 1999 Hyundai Tiburon and it has 150,000 miles. It’s paid for now and I’m paying about $700 6 months full coverage. Is there certain things I should lower the coverage cost?

Let’s look at a few things:

Wholesale value: $1700
Sell it in newspaper $3300.
Dealer sell identical car $5000.

Let’s now assume that the car is paid for, and you have a $500 deductible should something happen to the car and it is a total loss. You’ll get $1200 from your insurance company for the car.

That basically means you are paying $1400 a year to insure a car that the insurance company is only going to give you $1200 on in the case of a total loss.

Making sense to you? Me either.

If your car isn’t paid for, you can reduce your payment by increasing the deductibles. If your car is paid for, consider getting the minimum coverage the law in your state allows and the maximum deductibles. This is also assuming you have the means to get another car should you lose this one.

What kind of auto insurance should you get on a car that is paid off?

  By John | October 27, 2009 - 12:36 pm | Auto Insurance
6 Comments

I am renewing my auto insurance. I have a car with all kinds of great features like leather seats, upgraded stereo, sunroof, etc. Is there some way to insure it so if it gets totaled, I can buy a car of equal quality? Should I even get full coverage?
Thanks.

You need to get what’s called "Comprehensive" insurance and also what’s called "gap insurance" and that should cover it all.

What kind of auto insurance should you get on a car that is paid off?

  By John | October 21, 2009 - 6:21 am | Auto Insurance
2 Comments

I am renewing my auto insurance. I have a car with all kinds of great features like leather seats, upgraded stereo, sunroof, etc. Is there some way to insure it so if it gets totaled, I can buy a car of equal quality? Should I even get full coverage?
Thanks.

You need to get what’s called "Comprehensive" insurance and also what’s called "gap insurance" and that should cover it all. Try this site, if you want to find your best or cheapest auto insurance just in few minutes,

http://best-auto-insurance-usa.info/

Hope this help,