Tag Archives: Safety Features

Cheap Auto Insurance For Teenagers

  By John | April 30, 2010 - 3:25 am | Auto Insurance
4 Comments

Freedom, as an abstract thing, it cannot be touched nor be held literally by the hand. But you can create or destroy it, or you can give it or take it away. But freedom is life. Would you have the heart to take it away?

Freedom comes in different forms. It can be a freedom of speech, freedom of loving or freedom of doing anything that you want as long as you are not stepping onto other’s freedom and rights. That means, even driving on the road also gives a sense of freedom, provided that you are not hurting someone or damaging any property, or else, it will be taken away from you.

Because younger people are the ones mostly involved in auto accidents, driving freely on the road cannot be given to them that easy. Or let’s put it this way: Insurance companies give high auto insurance rates for your teen son. Why? It’s because they are being considered as high risks on the road.

Car insurances can vary dramatically in price, so read on to learn how to buy car insurance that is affordable for your teen drivers or to know the few things you can do to help reduce the rates you pay for them.

First, make them realize the importance of keeping a clean driving record. Speeding tickets, traffic violations and accidents are the things that should be avoided to maintain a good record that will be eventually rewarded with lower premiums.

Another way to reduce their rates is by purchasing insurance with a higher deductible. The higher the deductible, the lower the premium.

If you are going to buy a vehicle for your teen, be sure to check the class where the vehicle falls into, do not choose a vehicle that falls into a sports class or higher rating class. A vehicle that is built well with extra safety features is a good choice.

In most states in the UAS and some provinces in Canada, the graduated licensing laws have come into effect. The basic underlying rule is to restrict new drivers by limiting what their license will allow them to do.

A full auto license such as a class 5 may be issued to them but a letter designation behind it indicates that they are new drivers. These new drivers have nighttime driving restrictions, vehicle occupant restrictions and a 0 alcohol tolerance restriction to name a few. After specific period of time, they will be required to take an additional test to remove them from the new driver programmer.

To substantially reduce the cost of insurance of your teen driver, purchase a stand-alone policy from an agency that specializes in providing teen insurance. A stand-alone policy means that they carry their own insurance and not an additional driver to your insurance. These insurances keep the premium lower for teen drivers by placing certain concessions on their driving habits. They may require driving school, no driving after dark, or various other restrictions.

Statistics show that a 16 year old is 10 times more prone to accident than an adult between the ages of 30 and 59, so the reason of insurance companies is giving high rates to them is obvious.

Teach your teenager to become responsive and accountable. Make them earn your trust for the use of the car and make them accountable to pay at least a portion of their insurance premiums. A part time job that breeds maturity can be helpful.

A teenager must be guided in his newfound freedom. It’s an exciting thing for both of you, but responsibility always counts. The best thing that you can do now is to get online and research for teen insurance rates, so you can get them on the road.

Roxel Pudol
http://www.articlesbase.com/business-articles/cheap-auto-insurance-for-teenagers-87719.html

Cheap Auto Insurance – Save Before you Buy a New Car!

  By John | January 16, 2010 - 7:49 pm | Auto Insurance
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So you are planning on buying a new car that’s great! And may I add congratulations! It is highly recommended that before you purchase your dream car you should shop around for reliable and cost effective auto insurance.

Your premium is based in part on the car’s sticker price, the cost to repair it, its overall safety record and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft, such as air bags, anti-lock brakes, daytime running lights and anti-theft devices.

Preventing theft will help you get better auto insurance rates.

Naturally, cars that are favorite targets for thieves cost more to insure. You might want to take that in consideration when buying your future car. Anti theft devices are a must and the more you have installed the better. Auto insurance companies know that anti theft devices substantially reduce the chances of your car being stolen and they will quote lower auto insurance rates when you have the devices installed.

I believe that installing anti theft devices will give you peace of mind. It is a known fact that when a thief looks through the window of your new car and sees a blinking red light indicating that the immobilizer is functioning and active he will most likely turn around and leave. Sometimes you might like to add some more devices like; Anti-Theft Steering Wheel Locks, car alarms and wheel clubs.

Save yours and others lives and still save money

You can reduce auto insurance rates and reduce the risk of accidents and injuries by adding safety features to your car such as; air-bags, anti- lock brakes and daytime running lights. The more safety features added to your car will help you save lives and save money at the same time. When buying a new car these safety features will cost more, don’t worry about that too much because in the long run you will see that your auto insurance payments will be lower and when you plan on selling your car in the future you will find a buyer in a short period of time. Not to mention that all these safety features make your car of higher value and therefore, they are a good investment.

You can find more useful information at our auto cheap insurance page.

Joel Cohen
http://www.articlesbase.com/insurance-articles/cheap-auto-insurance-save-before-you-buy-a-new-car-86473.html

Auto Insurance Discounts – Common Reductions

  By John | December 2, 2009 - 4:50 pm | Low Cost Car Insurance
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Auto insurance rates are high enough, there’s no sense in paying more for your premiums than you have to. Most of the nation’s top insurance companies offer a multitude of discounts for customers. The trick is letting your agent know when you qualify. Used in combination, many of these discount programs can be used to cut your annual premiums from one-third to as much as half the original cost.

Here are just a few of the most common discounts offered by more than 300 auto insurers today:

Multiple Vehicle Discount. This rate-cut is offered to consumers insuring more than one vehicle. This applies to cars, trucks, motorcycles, RV’s, trailers and some boats. See your agent for details.

Multiple Driver Discount. Insurers realize that two people can’t drive the same car at the same time, so they often offer multi-driver discounts to allow customers with more than one car per driver in the household to only pay for the cars being driven, and the drivers in them.

Multi-Policy Discount. This is a great way to save on all of your insurance needs. Choose a company that discounts more than one policy, then combine your homeowners’ auto, disability, life and even health insurance into one insurance portfolio. Some companies will also count financial savings plans such as 401K’s Roth IRA’s, money markets savings plans and college funds as additional policies to ensure the discount.

Low Mileage Discount. The less your car is on the road, the less chance it has of being involved in an accident. If you commute locally, or have a second car that is rarely used, let your insurance agent know. The lower the mileage, the lower the insurance premium.

New Vehicle Safety Discount. Offered to owners of new vehicles that contain certain types of safety features such as side passenger airbags, etc.

Anti-Theft Device Discount. Be sure to let the insurance agent know if you have any type of anti-theft device in your car. It too is eligible for a special discount.

Good Student Discount. Student rates can be quite high, especially for male drivers. But, some insurers are now recognizing that honor students may be more careful drivers, and are now rewarding good grades with cheaper premium rates. This may apply to both high school and college drivers.

Accident Free Discount. Almost every major insurer these days offer deep discounts, depending on how long a driver has gone without being involved in an accident.

Defensive Driving Discount. Some insurance companies now reward drivers who attend special defensive driving workshops and seminars with either a one time, or ongoing rate cut.

As you can see, there are many discount options for drivers who take the time to look into their company’s policies and apply for the discounts available. While individually, they may not save you much, but used in combination, they can add up to a hefty rate savings.

Matthew Hick
http://www.articlesbase.com/non-fiction-articles/auto-insurance-discounts-common-reductions-177347.html

how to lower car insurance costs ?

  By John | October 26, 2009 - 11:51 am | Low Cost Car Insurance
5 Comments

my 17 year old son wants to buy a 2008 honda civic EX and he agrees to make the payments on the car. One problem is , how do i lower my insurance rates . IF my son is still considered a teenager. Could i put the car under my name so the insurance rates will be low ? please help
yes he does have a drivers liciense and he maintains a 3.0 GPA . and the 2008 civic is still under factory warranty. IDK if this helps or not?

Some insurances will have lower rates if the car is classified as a sedan, with ABS and vehicle stability assistance (VSA) on it or with engine size being less than a V6. If the car has air-bags and other safety features then that will help lower the rate. Insurances will sometimes give lower rates for teens who are good students and have a higher GPA and have attended safe driving classes.