Posts Tagged ‘Car Insurance Premiums’


   

Car Cheap Insurance – Save Average of $750 Per Year

PostDateIcon August 11th, 2010 | PostAuthorIcon Author: Jim Kibler

Car cheap insurance you can save 50% on the price of your automobile insurance and when taking into consideration the national average is $1576 per year, this comes to $750 savings per year. In some areas the amount you save will be more and in some areas it will be less.

I live in Florida and here the average auto insurance cost for residents is $1657.

I pay a total of $676.44 per year.

By applying all of the available discounts, I save $980.56 per year on the cost of my automobile insurance.

The price of insurance policies is based on several factors including your age, sex, occupation, education and what part of the country you live in. These are factors over which most people have little or no control.

There are factors however that you do have control over and you can make changes to save yourself money and buy cheaper insurance.

You can save money on your car insurance by following these steps.

5 Steps to save money.

1. Drive a four door sedan. I do, with a small 6 cylinder engine. Many people do not realize that the type of car you drive has a big affect on the price of your car insurance. If you drive a high-powered sports car that is worth a lot of money you will also pay a lot of money for your car insurance.

2. Safety features. I have these. If you have seat belts, which everyone is supposed to have, plus airbags and an antitheft device, this will have the affect of lowering the price on your car insurance.

3. Go with liability insurance only. I did this because my car is paid off. If your car is paid for you can easily get away with having just liability insurance on your car and this will further lower your rate by 20%. This is a national average savings of $315. I just did this myself.

4. Raise deductible. I did this. If you raise the deductible on your car insurance to $1000 per accident from $200 per accident the results will be a 40% reduction in your car insurance premiums. This is a national average savings of $630.

5. Do what I do and buy your automobile insurance from the same company that you buy your homeowners insurance from. This will save you 10% or a national average of 157.

You may also be able to include business insurance in this package if you own a small business and save even more money on all three. I sold my restaurant so this does not apply to me.

Car cheap insurance is not hard to find because you can save money, an average of $750 or more on your car insurance by taking advantage of the discounts that most car insurance companies will make available.

Author: Jim Kibler
Article Source: EzineArticles.com
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Get Really Cheap Car Insurance In Miami Florida

PostDateIcon June 29th, 2010 | PostAuthorIcon Author: admin

Cheap Miami car insurance would be ideal, wouldn’t it? Of course it would You’d love to drive around a hot town, with your convertible top down and the wind blowing through your hair, all with the knowledge that you, and your vehicle, are fully protected – without giving up a huge chunk of your paycheck each month for car insurance premiums.

Luckily, it is possible to find affordable car insurance in Miami. In Florida, there are certain factors that determine your Miami car insurance premium. If you make those factors work for you, you’ll be well on your way to cheap Miami car insurance. (Of course, some factors such as gender, simply shouldn’t be changed just to obtain affordable car insurance in Miami!)

Your vehicle. The kind of car you drive in Florida helps determine whether or not you’ll get cheap Miami car insurance. This includes the year, make, and model. Obviously a modest, four-door car with plenty of safety features is going to get a cheaper car insurance rate than a flashy, two-door hot rod. You might have to give up that convertible, after all.

Your location. Do you live in a Miami area that’s considered safe? Or do you reside in an area that’s considered high-risk? Where you drive your vehicle, as well as where you store it when you’re not driving it, goes into determining your chances at getting cheap Miami car insurance. If your area isn’t so safe, consider parking it in a garage, private parking lot, or anywhere else out of sight and off the streets.

Your mileage. Or your car’s mileage, rather. If you drive a high number of miles each year, you’re more likely to get a higher Miami car insurance quote than if you drive a low number of miles. Your Florida car insurance company will take into consideration the number of miles you drive for enjoyment, to commute, and for business and commercial purposes.

By: Elizabeth Newberry

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Cheap Car Insurance in Los Angeles, California

PostDateIcon June 26th, 2010 | PostAuthorIcon Author: admin

In addition to the scores of movie stars, the almost endless summer days and the famous Hollywood sign, Los Angeles, California is home to something else. That’s traffic and for anyone who resides in Los Angeles they are well aware of how important car insurance is. Not only does insurance protect them in the event of a motor vehicle accident, it’s also crucial if a vehicle is stolen. Los Angeles is notorious for vehicle theft and in 2004 alone almost 30,000 vehicles were stolen. Therefore, finding cheap car insurance in Los Angeles, California is vitally important to the people who live there.

There are several different approaches anyone can take to find the cheapest rate on car insurance. These include:

o Buying and using a car alarm. A vehicle thief is much less likely to attempt to take a car that has an obvious car alarm installed. Besides that advantage, most insurance companies offer a favorable discount to drivers who use car alarms. Having one installed is a win-win situation.

o Driving a car that isn’t appealing to thieves. There are just certain makes and models of cars that criminals are attracted to. Owning one puts you at a higher risk for vehicle theft and also increases your car insurance premiums.

o Living in a safe neighborhood. Some areas of the city are more crime ridden and thus a person can expect to pay more for car insurance because of the increased risk of their vehicle being broken into or stolen.

Shopping around for cheap car insurance in Los Angeles, California can be a time-consuming and tedious job. However, finding the best rate is always well worth the extra trouble involved. Car insurance is obviously required by law but there’s also a peace of mind that comes with knowing your investment is well protected.

By: Deborah Mills

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How to Get Cheap Car Insurance In Boston

PostDateIcon June 25th, 2010 | PostAuthorIcon Author: admin

Cheap Boston car insurance is a bit different than cheap auto insurance in other cities and states. In Massachusetts, the auto insurance companies don’t set the insurance policy rates; the rates are actually set by the Massachusetts Division of Insurance each year. Of course, not every driver will pay the same car insurance premiums as his neighbor, but there are actually a few categories of people who will pay the same auto rates as other Boston drivers.

The best way to get cheap Boston car insurance is to make sure you fall into a category with low auto insurance rates in Massachusetts. More specifically, you want to qualify for the lowered premiums the Safe Driver Insurance Plan offers. Even more specifically, you want to be ranked a number lower than 15 on the Safe Driver Insurance Plan’s rating system. The numbers are actually called “steps,” and Step 15 is considered neutral. For each step you’re given under 15, your Boston auto insurance policy premiums decrease. Boston drivers who have good driving records are the most likely to have steps under 15, which means they are most likely to get cheap Boston car insurance.

Of course, there is a flipside. If you have a poor driving record, you’re at risk for having a step (or two or three) above 15. Just as each step below 15 decreases your Boston auto insurance premiums, each step above 15 increases them.

In order to have a step lower than 15 on the Safe Driver Insurance Plan rating system, you must have a good driving record. This means few, if any, points, suspensions, revocations, and at-fault accidents. If your Massachusetts driving record is less than pristine, you may have to wait around for the next time the Division of Insurance sets statewide car insurance rates. While this may mean paying higher premiums now, it also means you could pay cheap Boston car insurance rates next year – as long as you work on that driving record!

By: Elizabeth Newberry

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