Articles by Jenny Finch

by Jenny Finch
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One of the biggest ways that a consumer can save money is by finding cheaper auto insurance. Most would be amazed if they knew how much money they could save in just one year. I am going to provide you with a list that will outline different techniques that you can use to find cheap car insurance.

1. Research Online - They have long called the internet "The Information Highway". This is for good reason. There are millions of resources that are directed toward helping consumers make educated decisions, when it comes to making new purchases. And trust me; there is no shortage of information when it comes to the auto insurance industry.

2. Free Auto Insurance Quotes - One of the most helpful tools that you will find in your quest to find cheap insurance is a site that offers car insurance quotes from multiple providers. You will be able to get quotes from all the major providers. A few of the insurance providers that you will most likely see are Geiko, Progressive, esurance, etc.

3. Do not settle - This is the biggest tip that I could possibly provide. Do Not Settle. When you are looking for car insurance, you must do your research, and not act to quickly. Chances are there is a great deal waiting right around the corner.

The bottom line is that the amount that you pay for auto insurance does not have to cost as much as it does. Chances are that if you do your research and stick to your guns you will eventually find a auto insurance company, that will have a quote that you will be able to live with.

Please visit these sites for more information on where to find Auto Insurance or Auto Insurance Quotes.

How Oboma's Plans Could Cause Auto Insurance to Go Up

Author: Jenny Finch

President Oboma's bail out plan could cause auto insurance prices to go up. The president, with good intentions, is trying to move forward in the auto industry bail out. Unfortunately, this could lead to American's having to dig into their wallets once again. Yet, another curve ball thrown in our fight against our current economic situation.

Most American's have opted to fix their older cars, as opposed to buying new ones, in order to help them better save money thru this recession. One of the added benefits of fixing your older cars is,lower insurance rates. The cost to insure a newer car is much more. Well, At least that's the way it has worked in the past.
The amount of new cars being bought has tremendously declined recently, the result being, more hazards on the road-ways. With older cars come more mechanical problems, which in return leads to more accidents. This chain reaction could possibly trickle down till it hits your pocket book.

Newer cars are likely to be less of a risk, as far as accidents due to mechanical problems. Vehicle safety techknowledgy is also a factor when comparing the newest cars to older models. Auto insurance providers will most definitely take all of this information into consideration, and the conclusion will likely be higher insurance premiums in the near feature.

Unfortunately it seems to just be part of the bad spiral that we are in right now. We fix one problem and it causes another. Hopefully the president will have a bill passed that will require auto insurance company's to cap their rates. Until then, we are at their mercy.

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Please visit these sites for more information on where to find Auto Insurance or Auto Insurance Quotes
Article Source: - How Oboma's Plans Could Cause Auto Insurance to Go Up

Things to Know About Auto Insurance, Which Will Keep Your Rates Lower

Auto Insurance
by Jenny Finch
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Did you know that auto insurance companies significantly changed the way that they price policies over the last few years? The company that offered you the best rate a few years ago may no longer have the best deal for you. Bellow, I have put together a list of things that you can do that will help you find cheaper car insurance.

1. Shop around - The most important step is to shop around. Prices on auto insurance can vary by hundreds of dollars from company to company, for the exact same person and car, depending on the claims experience that the company has had. Some companies have changed the way that they price policies over the last few years, while others haven't. If you have a good credit record, and a good driving record, you may get a much better deal with some of the companies that have changed their rates.

2. Improve your credit score - One important way to improve your auto insurance rate is to improve your credit score. That's one of the biggest changes that insurance companies have made over the last few years. Almost all of them look at your credit score while setting your rate, and many of them look in great detail at your credit score. First of all make sure you pay your bills on time, even if you're not getting ready to shop for a loan. You can also check out your credit report at annual credit report .com to make sure that there aren't any inaccuracies that are causing you to have a lower rate then you should.

3. Buy a safer car - It is also very important to buy a safe car. Having a safe car makes more of a difference in your premiums then it has in the past. You can visit web sites like car safety .org and get crash test results for the car that you are considering buying.

4. Hunt for discounts - If you have a young driver they can generally get a discount if they have a B average or better in school, or if they take a special defensive driving course offered by the insurance company. You may also be able to get a discount if you drive your car less than 75,000 miles a year. You may also be able to lower your rate by purchasing your auto and home insurance from the same company.

Hopefully knowing these things will help you on your search for cheaper insurance. From my own personal experience the saying "Knowledge Is Power", could not be any truer. It is very important to be educated when making decisions that will ultimately affect your life.

Please visit these sites for more information on where to find Auto Insurance or Auto Insurance Quotes.

If You Have 10 Minutes to Spare You Could Save a Big Pile of Money on Car Insurance

In most areas, if you're driving a car and you don't have auto insurance, you are breaking the law. Anyone who drives has to have at least a minimum amount of coverage but I'd be willing to bet that you're paying quite a bit more than you need to for your coverage.

When you signed up with your auto insurance provider, what made you select that particular company? Were you persuaded by a talking animal? Did you empathize with the discrimination of the cavemen? My point is that most people just sign up with whichever company has a television commercial that catches their eye. What most people don't realize is that by spending just a few minutes doing some comparison shopping they are likely to find a much better deal.
The reason you see those commercials on television all the time is because there is a ton of competition among the various car insurance companies. With so many companies fighting for your business there is a great opportunity to save money. And the good news is that finding the company with the best price has never been easier.
The Internet puts a wealth of information right at your fingertips and there are a lot of websites that allow you to get multiple quotes from a number of different insurance companies so that you can compare the coverage options and prices of the various companies side by side. All you need to do is fill out a short online form with a little information about yourself and the car you drive along with how much coverage you want and then you simply click a button. The whole process only takes a few minutes and after you click that button you will almost instantly have a number of different quotes to choose from. This side-by-side comparison is the fastest and easiest way to find the coverage you need at the best possible price and will easily help you save a substantial amount of money.
Get free car insurance quotes and start saving money. Or to find a list of highly rated car insurance companies in your area Click Here!

How Will a Speeding Ticket Affect Your Insurance Rates

Consider the number of factors at attribute to the overall cost for insurance. For example you're driving history and record. What most people fail to realize are those speeding tickets have a huge impact on your auto insurance rates overall.
According to studies that revealed that speeding is the most important factor to nearly 35% of auto accidents. Obviously this means the slower we drive the safer it is and it reduces the chances of an accident. Aside from the safety factor of slowing down it has also been established that the majority of speeders occasionally reduce their speed after receiving at speeding ticket. In most case this is short lived! According to this study which tracked a speeder for a month after receiving a speeding ticket reduced their chances of a fatal accident by to less than 35%. Unfortunately the speeder did not maintain safe driving habits for much longer than a few months.

Basically what this shows along with other studies is the fact that habitual speeders have over a 50% chance of being fatally injured in a car accident than an individual who obeys the traffic laws. This is the reason why law enforcement mandates insurances and is heavy on speeders. Not to mention why insurances companies raise the rates for people with a history of speeding. Here are a few factors to consider when factoring in the cost for insurance rates with a speeding ticket:
  1. One speeding ticket will not affect your insurance rate, unless you've been citied for extremely high speeding rate of over 15 miles above the legal speed limit as posted. This will be a combination citation to include reckless driving.
  2. Depending on your previous driving record, for example a clean record, one ticket can increase your insurance rate by at least 27% .
  3. When you receive a speeding ticket one point is added to your record when an accumulation of these points are noted over a three year period expect to see an increase in your premium upwards of thousands of dollars.
  4. When you have multiple speeding tickets and points switching from your current insurance carrier to another wont prove advantageous under the circumstances. Basically your current carrier would be best to work out a deal with, especially if you have a long term history with the company.
It's always a wise choice on your behave to fight speeding tickets. There a good chance you could win the case or get lucky enough to have the charges drop on technicalities. In this case there's no real need to get an attorney. Just a little common sense and never admit your guilt.
More than 100,000 people a day receive a speeding ticket in this country!
One in 4 drivers will get a speeding ticket this year in America!
One in 6 will get approximately a 75% rate hike because of two tickets...
Les Foster
Les Foster - EzineArticles Expert Author

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