carinsurance-weblog

Some Tips To Lower Car Insurance Costs

Filed in archive Auto Insurance Tips , Tips & Tricks on July 19, 2010

Some Tips To Lower Car Insurance Costs
© dlisbona
In the UK, car insurance costs have increased 33% in the past 12 months. Thus, making the average annual price of a comprehensive policy £599 -- a £142 increase compared to last year.

Here are a few tips to lower costs of car insurance premiums:

1. Shop Around

Like in any other stuff, shop around for the best deals available. Check out car insurance websites and compare prices. Even if you are a loyal customer, it pays to check what other companies have to offer.

2. Increase your voluntary excess

Voluntary excess is the amount you'll have to pay out if you have an accident, before your insurer steps in to cover your claim. On the other hand, don't set out a voluntary excess that you cannot afford or will put you in a financial difficulty when the time comes.

3. Pass Plus

Designed for new drivers of any age, the Pass Plus help improve the confidence and experience on the road. Costing around £100 to complete in the UK, most insurers give good discounts on the price of your premiums (on top of quicker access to a no claims bonus!) if you have passed the Pass Plus.

4. Increase security

Insurers calculate the price of your car insurance policy based on risk. Therefore anything you can do to make your car more secure should help to reduce your premiums.

Click here for more tips to lower your car insurance costs.

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Which State Has the Most Expensive Car Insurance?

Filed in archive Information About on June 4, 2010

Which State Has the Most Expensive Car Insurance?
© Sammmm_
It may surprise you to know that the most expensive state for car insurance is not either New York or California. Surprisingly, it is a state not known for its large cities, uninsured drivers, or even for a lot of accidents. The state of Louisiana has the highest car insurance in the nation when it comes to overall prices through the state.

Surprisingly, the state of New York is number 23 on the list of 50 states plus Washington DC. The average cost of auto insurance there is $1,463.21, according to Insure.com's list for 2010. The list is based on a 40-year-old male driver who is single and only drives twelve miles to work.

The highest state for car insurance annually was Louisiana, which costs $2,510.87, and the lowest place in the US for auto insurance is Maine, which only costs $902.85 per year. This is a difference of $1,608.02 annually.

The main reason for the large difference in auto insurance costs overall is because of bodily injuries and lawsuits. These can really drive up the prices. Maine is so much cheaper, the article stated, primarily because Mainers like being fair, and do not usually seek the big bucks.

Besides moving to a new state for lower costs, another way to get affordable auto insurance is to get several auto insurance quotes online. Take advantage of discounts, and you can lower your car insurance costs, too.

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More Car Insurance Myths Answered

Filed in archive Information About on May 31, 2010

More Car Insurance Myths Answered
© Michelle Brea
Here are a few more commonly believed auto insurance myths.

My Collision Coverage Will Pay for Damage If I Hit A Deer

This may surprise a lot of people, but your collision coverage on your car insurance only covers you in the event of an accident with another vehicle, and some other type of driving accidents. Coverage for your vehicle that is not caused by an accident needs to be covered under a comprehensive coverage option on your policy. This type of coverage will also cover you if a tree falls on your car, if it is stolen, vandalized, in a flood, and more.

I Am Covered for the Business Use of My Car

This may entirely depend on the circumstances. Do not assume that you are, however. Instead, check with your car insurance agent to see if it changes your status and if you need to increase your coverage to cover while you are using your car for business. It is far better to be safe financially, than to assume and find out that you are not covered.

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More Car Insurance Myths

Filed in archive Information About on May 30, 2010

More Car Insurance Myths
© bark
It often is amazing when you consider some myths that have been believed for so long by so many. Of course, one way to eliminate myths of any kind is to provide an abundance of good information. This applies to car insurance, too. Here are some more myths still going around:

My Car Insurance Will Pay My Balance If My Car Is Totaled

An auto insurance company will not pay off the balance of your car payments if your vehicle is totaled. The truth is that they will only pay the value of your car minus any depreciation that has occurred. Since depreciation can occur rather rapidly, you could still owe quite a bit of money, especially if it is a new car. This is what GAP insurance is for. The only kind of car insurance that will pay for the balance is called replacement insurance, which will give you a vehicle similar to the one you purchased. It is considerably more expensive.

I Am Not Responsible If Someone Else Is Driving My Car

This is another myth. The truth is that you are responsible for anyone driving your car. Your insurance does cover them and it will affect your insurance rates if they get in an accident. If you do not think you can trust an individual to drive your car responsibly and still want to keep you affordable car insurance, you better just say no.

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