There are many discounts that can frequently be applied after risk factors have been determined. Near the top of the list are: good driver discounts, anti-theft device discounts, multi-car discounts, and low-mileage discounts.
For a better understanding of how your risk is assessed, we invite you to read our article: your car insurance rates and your driving record.
* Who drives more often?
* Does the type of vehicle matter?
* Who drives the most in terms of distance?
* What time of day is each group likely to drive?
Teenage drivers have always been saddled with a bad reputation when it comes to driving, and most of us have been exposed to jokes about women drivers who can’t park, or get involved in fender-benders, but it would seem that men are more likely to be involved in an accident or get a ticket. So, what’s really going on here?
For a deeper exploration of this topic, we invite you to read our article: Best and Worst Drivers - Men, Women, Teens or Seniors?
]]>Spokespersons for insurance companies say their research clearly demonstrates that people’s credit scores are a good indication of how likely they will be to file claims and otherwise increase costs to the insurance industry. For example, they say that people with poor credit are more likely to let their insurance payments lapse.
So, while you may have a driving record to be proud of, unfortunately, it may not help you that much if you have a poor credit score.
Click the link to find out more about your insurance credit score and what you can do about it.
Clearly insurance is not a topic most newlyweds want to spend much time thinking or talking about, but unfortunately, as we all know, the unthinkable does sometimes happen - we hear about accidents and tragedies almost every day. The possibility of dying prematurely or becoming injured or disabled and leaving behind a spouse to cope with the financial aftermath is a risk that no loving husband or wife would want to put their partner or other dependents through.
So, want to show your newlywed true love just how much they really mean to you?: “Buy the right insurance coverage!” Sounds strange, but believe it or not, it is one of the most loving things a newlywed couple can do for each other.
Click the following link to learn more about 4 Critical Types Of Insurance For Newlyweds.
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Unfortunately, the statistics support the bias against teenage drivers.
Throw in a couple of speeding tickets into the mix, and you (or your teenager) may not even be able to afford the premiums, and driving a car may be out of the question for your teenager for a long time to come.
That said, there are some things that parents (and teens) can do to help make the costs more manageable. Click on the link to discover more about what can help to Lower the cost of teen car insurance
It’s good to know that even with the prophets of doom preaching financial Armageddon any day now, your car insurance will likely remain intact.
]]>Maybe you’re an ex smoker - recently quit. If so, congratulations! There’s much good to be said for giving it up.
Well, smokers and ex smokers have spouses and children and other family members and other loved ones, and they also need life insurance.
Sure it’s going to cost more - you know that already, but having said that, how do you go about getting the best deal for your life insurance dollars? Click here to learn more about life insurance for smokers and ex smokers.
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However, if you’re curious about what happens with your vehicle insurance after being caught Driving Under the Influence (DUI) and want to know about things like SR-22 insurance, please read our article: Driving Under The Influence (DUI) And Car Insurance Don’t Mix
Most importantly, you must inform your auto insurer about any permanent move, or else you could find yourself with an invalid policy.
In the following article, we’ll explain some of the issues that can influence your car insurance rates when moving house.
]]>Read more about this subject in our article: Uninsured/Underinsured Motorist Coverage For Motorcycle Riders and when you’re done, get free motorcycle insurance quotes to compare your options.
]]>If you have a habit of stepping on the gas aggressively every time you get going, and waiting until the last minute to step on the brake, it’s costing you plenty more than it has to at the pump. No question about it, the single most significant factor in saving gas is how you drive.
Instead of jamming the gas pedal to the floor mat, and reaching or exceeding the posted speed limit as fast as possible, aim for a smooth and gradual acceleration. Same thing with stopping. When you see a red light up ahead, it may be possible to take your foot off the gas and coast until you need to apply the brake. This approach is way better than keeping your foot on the gas pedal until the last moment and then jamming on the brake at the last second. Always think ahead when you’re behind the wheel, and try to make your driving as smooth as possible - both starting and stopping.
Driving can even be a bit more fun when you make a game out of working with momentum and gravity. For instance, as you approach an incline, you could try to build up a bit of speed so that the need for stepping on the gas is reduced as you go up the hill (which uses a lot more gas), and conversely, let gravity help you when going downhill (you may not need to step on the gas at all).
2) Turn off the cars motor if you’re not going anywhere.
This applies as much to warming up your car in cold climates as it does when idling and waiting for something or other while in your car.
Your car needs no more than 30 - 45 seconds of idling time in cold weather, to reach a reasonable operating temperature. Why not simply dress a bit warmer and let your car warm up as you drive if you live in a cold climate.
In addition, if it’s obvious that you’re likely to be stopped while in your car for more than a minute, it probably makes sense to turn off the engine until you can get going again. It definitely makes sense in terms of saving your gassoline.
3) Drive way slower overall (at or slightly below the speed limit)
It’s well known fact that driving slower under normal conditions uses much less fuel (significantly less actually). You actually accomplish several things when driving slower, like: avoiding speeding tickets and potential accidents, increased safety margins, and of course - it’s simply one of the best ways to really save on gas (and on car insurance).
Save yourself the irritation of having someone behind you getting aggravated because you’re doing the speed limit and they want to be racing ahead. Just make a habit of driving in the slow lane. The paltry time savings of going fast, just don’t begin to equal the long term benefits of driving at the posted speed limit.
So, that’s our last word on ‘Gas saving Tips’ Articles. If you follow the advice outlined above, you’ll be saving most of what is possible, and not wasting your time with trivial stuff that simply doesn’t add up to that much in terms of real gas savings. Furthermore, you’ll also be doing the right things to help keep your auto insurance rates nice and low.
]]>So, if you tend to overeat, and you’re struggling with your weight, your health insurance costs are yet another reason to find the motivation and the discipline to consistently eat better quality foods, exercise more and try to get this aspect of your life under control.
But, even if you are severely overweight, there is something you can do to increase your chances of finding lower cost health insurance coverage. Click on: Obesity and Health Insurance to read more.
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