:::

DUI Car Insurance Information

:::
 




:::

DUI Car Insurance Articles

:::

10 Ways To Lower Your Auto Insurance

By Pete Lance

Nowadays, auto insurance is really expensive. A typical insurance policy can cost a few hundred dollars to a few thousand dollars a year. And the insurance rates you pay are hugely dependent on the insurance company or agent, your age, your car type, your driving record, and even the area you reside in!

You should never go without auto insurance though, despite the costs. Almost all the states require you to protect yourself with a minimum amount of liability coverage. Naturally, the bare minimum is not adequate enough for the average car owner. And as you add in additional coverage for your car, you realize that you will be paying a fairly large sum annually.

So, understanding auto insurance can actually help you to decide on a suitable insurance policy that won't vacuum clean your wallet! Here, we have gathered 10 of the best tips for lowering your auto insurance, by as much as 40%!

Always compare insurance policies. There are states which regulate auto insurance rates, but the insurance premiums can vary by hundreds of dollars for the exact same coverage. It is definitely worthwhile to shop around. The first thing you can do is to check with your state insurance department. They often provide information about the coverage you need, as well as sample rates from the biggest companies. You can also ask your friends or look up the yellow pages. Checking consumer guides and asking insurance agents can pay off as well. You can easily find out the price range for your insurance policy, as well as discover the lowest prices in town.

However, you should not be shopping based on price along. The insurance company should provide good service at the best price. Excellent personal service is available as well, and they provide added conveniences, although they cost a fair bit more. Ask the company how you can lower your costs, and also check their financial ratings. The rule of thumb is always to get three price quotes from three different companies, and pick the one with the best value.

It can also be a good idea to increase your deductibles. When you file a claim, the deductible is the amount you pay before the insurance company pays for the rest of the damage. A higher deductible on collision and comprehensive coverage can lead to a much lower premium. For example, increasing your deductible from $200 to $400 can reduce your premiums by up to 25%. However, you must ensure that you have the financial resources to handle the largest deductible when the time comes.

Remove certain types of coverage from your policy. Almost all the states require liability coverage for your car, but the rest of the coverage is probably dispensable. However, you do not want to be underinsured if you're in an accident, so it isn't advisable to remove all of your additional coverage. Optional coverage includes medical payments, uninsured motorist, collision, and comprehensive coverage.

Drop collision and comprehensive coverage for older cars. If you drive an older car that's worth less than $2,000, it's probably more cost-effective to drop collision and comprehensive coverage since you'll probably pay more for the coverage than you'll collect for a claim. You can find out the worth of your car by asking auto dealers and banks.

Make sure your credit report looks good. Car insurance companies often look at your credit history as there is a correlation between the risk to the company and your credit history. If you pay your bills on time and maintain a good credit history, you can enjoy lower insurance rates.

Drive less. Insurance companies often offer low-mileage discounts to motorists who drive less than a predetermined number of miles each year. You can use public transportation more often, car-pool with friends, and take the train or a plane instead of driving to another state. And you'll save on more than your coverage as you'll need to spend less on gasoline (of which prices are incredibly high).

Maintain a clean driving record. The company will give you a price break and you can save on your insurance policy after a specified period of a clean driving record. This means that you have no accidents, no serious driving violations etc, during this period of time. The simplest and surefire way to qualify for this discount is to drive carefully and defensively all the time.

Choose a low-profile car. Insurance rates vary among difference models of vehicles. Generally, sports cars and high-performance cars tend to cost more to insure, mainly because they represent more risk of theft and the drivers are often the people who drive more recklessly. Newer cars will cost more to repair or replace than older ones, so naturally they can more to insure. Low-risk vehicles include station wagons and sedans.

Ask about safety and security discounts. The insurance companies sometimes offer discounts on your insurance if your car is equipped with the following: anti-lock brakes, air bags, automatic seat belts, car alarms, tracking systems. These reduce the injury risk to you, as well as the chances of your car being vandalized or stolen.

Finally, ask about other discounts. You may receive a discount if you buy more than one type of insurance from the same company or if you insure multiple cars under the same policy or company. You may also receive discounts for taking a defensive driving course, staying with the same company for a few years, being a driver over 50, good-student discounts, and being an AAA member. If you already have adequate health insurance, you can also eliminate paying for duplicate medical coverage, thus lowering your personal injury protection costs by a substantial amount.

Free Quote DUI Car Insurance - Turn 21 Today!


:::

DUI Car Insurance Featured Resources

:::


SEARCH RESULTS

Annuities: The Shocking Secrets Revealed
Discover The Shocking Secrets That Banks And Insurance Companies Don't Want You To Know.

Insurance Leads Generation
Generate Quality New Leads At A Fraction Of The Cost Of Offline Marketing.

Car Auction
From The Gov-Records.com Team!

State Car Auctions
Local Seized Cars and Real Estate Auction Listings


:::

DUI Car Insurance News

:::


Auto Insurance Quotes For High Risk Drivers Now Available At Insurance Panda
The Article Helps High Risk Drivers Understand How Insurance Companies Decide how to Insure Vehicles and the Best Way to Obtain Auto Coverage New York, NY / ACCESSWIRE / September 3, 2014 / InsurancePanda.com, ...

When you lend your car, think about the insurance
Do you lend your car to friends, family, or even strangers who hook up with you through a car-sharing smart phone app? If you do, remember that you're also often lending those other drivers your ...

A DUI in Washington state will cost you plenty
Website estimates cost of drunk driving in dollars and cents; DUI on MI is 17th costliest in state.

Personal Injury Lawyer Jennifer Gore-Cuthbert, a Guest on Business Radio X's "Atlanta Legal Experts" Show
Jennifer Gore-Cuthbert with The Gore Law Firm, appeared on "Atlanta Legal Experts" to discuss car accidents, diminished value claims, and insurance coverages. (PRWeb September 03, 2014) Read the full story at http://www.prweb.com/releases/2014/09/prweb12135662.htm

Federal Way fourth most expensive city in state for DUI conviction
The cost of a DUI conviction in Federal Way is the fourth most expensive in the state, according to a recent study.

Cops suing Wilmette man after DUI crash in Lake View
A north suburban man who was cited for DUI after his vehicle rear-ended a Chicago Police squad car in the Lake View neighborhood is being sued by the officers, according to a lawsuit filed Wednesday in the U.S. Circuit Court.

Le'Veon Bell charged with DUI; LeGarrette Blount just pot possession
LeGarrette Blount is expected to be a nice backup to Le'Veon Bell while also providing insurance to the Steelers in the event Bell is injured again in 2014. According to Mike Florio of Pro Football Talk, Le'Veon Bell and LeGarrette Blount have been charged with marijuana possession, while Bell is also getting charged with a DUI. Ross Township Police detective Brian Kohlhepp informed PFT that ...

California DUI suspect pleads not guilty in deaths
TURLOCK, Calif. (AP) ? Prosecutors say a California man had a blood-alcohol level over twice the legal limit when he hit and killed three members of a family with his car.

Street Beat
Checkpoint Nabs Nearly a Score of Scofflaws By Donna Furey | LB Indy Over 1,500 vehicles were screened and three suspected drunk drivers arrested last Friday, Aug. 22, during a DUI checkpoint by Laguna Beach police near Irvine Cove. In all 17 citations were issued including four for unlicensed vehicles or motorists during the 9 [?] The post Street Beat appeared first on Laguna Beach Independent ...

DUI suspect arrested after crashing into CHP motorcycle officer
An unlicensed driver has been arrested in a hit-and-run crash that injured a California Highway Patrol motorcycle officer after a soccer match at Levi's Stadium in Santa Clara, auhtorities said. Gerardo Gonzalez Corona, 30, of Hayward, was booked into the Santa Clara County Main Jail on suspicion of driving under the influence causing injury, being in a hit-and-run collision that caused an ...


:::

DUI Car Insurance Blogs

:::



Google


 

Best Sellers from



GatorDocs

Lighting 2 Light Bulbs



Want to Link to Us?

Link to CarInsuranceHunter.com