What options do I have If Im a single parent with low income here in Illinois.

Marge

Chicago IL

Many single parents feel that they are not being offered much broader insurance options as compared to those traditional families. However, if they just get a hold of multiple quotes, it is easier to find single parent auto insurance that includes discounts.

A multi-car discount is often a rare likelihood. But for those single parents who live with their older folks, they may be able to join their policies had they been living together for more than six months already.

Single parent auto insurance should provide optional coverage for roadside assistance services. This is to make sure that they are covered even at unexpected emergencies such as flat tire, breakdown, or simply running out of gas.

Single parents should be able to study the discount options with different companies. Through securing multiple quotes online, a single parent will be able to contrast one company to another and determine which among them offers the best deal.

What are the ways to keep low auto insurance rates?

Rica

Detroit MI

There are actually a bundle of insurance companies who offers low insurance rate but it is always a puzzle to which discount can actually catch your eyes. However, the real point of getting low auto insurance will just be between the driver and his best judgment.

The first thing to remember is to not let the coverage lapse. The amount the insurance companies reprimand drivers for not having a lapse in their coverage can frequently go beyond the amount they may have possibly paid for the duration of that time. For this reason, it will confer the company an indication that the driver is a risk to the company.

Subsequently, the driver should be sincere and honest. Fraud is one of the reasons why insurance company denies a claim, drop coverage or even refuses to renew a policy. Therefore, avoid intentionally submitting false information in getting auto insurance application.

Lastly, auto insurance companies charge an administrative fee for arranging payment plans that will automatically affix a significant amount to the cost of the policy. Hence, the easiest way to keep the dreaded premium down is to pay it in full rather than paying in a monthly payment plan.

Can you give me some tips on getting the lowest auto insurance here in Florida?

Jonah

Tallahassee FL

Insurance can be quite expensive and everyone is always running after the lowest auto insurance. Any money that can be saved on your auto insurance could already spell a big difference on your budget. If you want to get the lowest auto insurance rate, try on the following tips.

Shop and compare quotes from various auto insurance companies in Florida. In doing so you will be surprised to know that some companies offer insurance that is almost half the price of the other companies.

Make sure to provide your insurance company with all of the necessary details. Make it accurate as well. If you wont do so, you will be provided with a default rate, which could be higher than, if you were to answer them accurately. It is important to provide them with as much information as possible so that you can qualify for any discount that is applicable.

Reduce mileage on your own vehicles and always drive safely. Most insurance companies can provide you mileage discounts if you travel less than forty miles in a day. So driving less can greatly lower your rates. You can significantly cut your mileage and enjoy lower rates if you car pool to work or take public rides.

Using anti-theft devices on your car can also save you money as well. Installing these devices like a car alarm can really help you get inexpensive premiums. It will also lessen the risk of your car to be stolen or burglarized.

Raising your deductible can also lower down your premium rates. In fact this is one of the fastest way to avail of cheaper auto insurance rates. However, make sure that you are able to pay your deductible if the time comes.

These are just only a few ways to help you ensure the lowest auto insurance price. By considering all or a few of them could already make a big difference on your auto insurance.

I heard you can use Club as anti theft device discount here in Georgia? Is that true?

Marke

Augusta-Richmond County, GA

There various car insurers in Georgia that provide discounts for anti-theft devices such as the Club or any safety devices. TYpically the more sophisticated the device, the better discounts you can get. Many car insurers differentiate between active and passive security devices.

I suggest that you contact your car insurance agent in Georgia and askk what type of discounts are available with your insurer. You can also shop for quotes first here and see what kind of car insurance discounts you may be eligible of. Most car insurance providers provide a discount only for factory installed security devices. Once you bought your car insurance policy you may be able to send proof of installation to request a discount for the club.

The Club is an essential product to assist people deter thieves, but car insurers find the value in the device itself than the motivation to obtain discount for car insurance.

Which is better? Getting low cost car insurance quotes online or getting them the traditional way?

Bill

Albuquerque, NM

You know, Bill, I cannot really tell you which way is actually better for you, whether to get low cost car insurance quotes online or not, because this is a matter of preference. I can only tell you their advantages and disadvantages, but in the end it is up to you which one fits your needs.

Getting low cost car insurance quotes online saves you a large amount of time, which you could instead be spending some other way, such as working or spending time with your family. By just having a computer, Internet access and the basic knowledge of how the Internet works, you can get car insurance quotes anytime. You just need to go to Web sites of different car insurance companies that have offices there in our area. There they have free instant quotes service. You just need to fill out certain information about you and your vehicle. These bits of information are their basis for the quote. And you can get a quote in a matter of minutes. The only problem here is that you will not instantly receive answers to questions that may come into your mind. You will eventually have to call their office if you have any concerns or questions.

On the other hand, getting low cost car insurance quotes the traditional way also has its attractions. For one, you get the personal feel that you are actually transacting with people who you can go after if they fail to comply with your insurance agreement. We should not take this for granted because the notion that you can sue someone if their services do not match the money you are paying them gives us a sense of security. Also, it could not be helped that questions would pop into your head. Getting quotes the traditional way gives you the power of being informed immediately because you can directly ask the agent or broker you are speaking with. The only problem here is that it takes so much time to get in touch with numerous companies, agents or brokers just to find the best deal for you.

Now, do you see what I was telling in the beginning? The choice is really up to you.

Will I able to get low auto insurance rates if I combine multiple insurances into a single policy? Is it possible to have the same carrier on multiple insurances?

Wilma

Cheyenne, WY

Yes, it is possible to combine multiple insurance into a single policy. Most insured do this in order to take advantage of the discounts and low auto insurance rates most companies offer on multiple insurance on a single policy. Some combine health insurance coverage with auto insurance, some mix homeowners and auto insurance, and others do multiple cars on a single policy in order to get a 50 percent discount on either cars or all cars. You can get low auto insurance rates if all your insurance plans are all under a single carrier or with the same insurance company.

However, some experts discourage this kind of transaction as prices still differ from company to company. For example, company A and company B both offer 10% reduction on prices on multiple insurance under a single policy. Let’s assume that company A’s rates are $400 for auto insurance and $600 for Life insurance, which sums up to $1000. Compare that with Company B’s rates of $600 for auto insurance and $400 on life insurance, which again sums up to $1000. Both will have a final value of $900 considering the 10% discount rate; both offer 10% discounts and both are fair deals. But consider this, if you purchase and single out their cheaper rates, you can still save enough money even without the discounts. You can get the $400 auto insurance from Company A and the $400 life insurance from Company B. If you add these up, you’ll get a cheaper price of $800. Even though the figures used in our example above are not exact figures from auto insurance companies, it is still a fact that prices still vary widely from company to company, and you should not take this lightly. Going through the same process of comparing prices will ultimately will give you low auto insurance rates and save you a lot of money.

I have recently been apprehended in Ohio for drunk driving. Can I still hope for a low auto insurance rate?

Randall,

Cleveland, OH

Well, Randall, if it is your first time being apprehended for DUI, then you might get off the hook easily. However, should you be found to have prior records of drunk driving, stiffer penalties will surely be employed. In case this is your second or third time in six years, you will be classified as a repeat offender or habitual DUI offender, and your chances of getting low auto insurance rate shall have greatly diminished. This would also usually mean your license will be suspended. DUI arrests go beyond the limits of the state. Of course, you will be assessed by a court in Ohio, and a $100 cost is charged for such an assessment which you will shoulder unless covered by Medicaid. Recommendations will then be made depending on the findings of your assessment, which may sometimes include attending some form of treatment program.

Second time offenders may also have to go through a treatment program. For third time offenders, the State of Ohio will require attending an education treatment or rehabilitation depending on the assessor’s recommendations. Failure to comply with the assessor’s recommendations will mean that the offender’s license will not be reinstated, and that he/she will be called to appear in court for further sanctions. A fourth indictment will be considered a felony.

All these records will be brought to the attention of your auto insurance provider, which will prompt them to either significantly raise your premiums or opt not to cover you at all.

Tags: auto insurance premium, car insurance rate, drunk driving insurance, DUI, DUI insurance

Where do I find low auto insurance rates for seniors here in Massachusetts? I’m looking for one that would best suit my needs.

Deirdre

Boston, MA

Good news, Deirdre. Even though auto insurance policies do not cost very cheap, senior citizens have a slight advantage. This is because senior citizens are entitled to 10% discounts on almost all products and services nationwide, and this includes auto insurance. If a senior citizen takes advantage of these discounts that are offered to him or her, his or her auto insurance rates would definitely go lower than the initial price.

You can also find other ways on how to lower your auto insurance. Let me give you some tips. First, it is advisable, if you are still in the process of purchasing a car, to get an older vehicle and enhance it with lots of safety features. This way, the vehicle becomes less prone to damages, and at the same time, the driver becomes less likely to obtain physical injuries that would require medical attention. This is good because you and your vehicle are optimally protected.

Second, if you already have an existing insurance policy, such as life insurance or home insurance, it is better if you avail your auto insurance from the same company. Doing business with the same company makes you eligible for multidriver, multivehicle and multipolicy discounts, depending on which one you enlist.

Lastly, you can take a refresher driving course in one of the private driving schools there in Massachusetts. This will renew your knowledge of traffic rules and regulations, and at the same time update you with new vehicles.

I hope I answered your question well, Deirdre. And good luck on your search for low auto insurance rates.

Tags: auto insurance policy, Car insurance discounts, car insurance rate, cheap auto insurance, senior car insurance

I am from Kansas. What are the proven ways to maintain low cost auto insurance without having to slash off other coverage on my car insurance?

Cameron

Wichita, KS

Most Kansas residents think that they should just accept the premiums their auto insurance companies charge them. What many are not aware of is that there are surefire ways to maintain low cost auto insurance without scaling down on coverage.

Homeowners and car insurance, if taken from the same carrier, will entitle an individual to multiple-policy discount and may mean an annual savings of 12 to 15% on insurance rates. Owners of cars that have safety features such as anti-lock brakes, electronic stability control, traction control, seat belts or airbags are given competitive insurance rates. The government has ordered that a 5% slash on annual auto insurance rates for three years be given to drivers that have successfully completed defensive driving classes in Kansas. Bear in mind, though, that there must not be any traffic violation for three years or you will forfeit the discount.

If you have been paying a bundle on your comprehensive insurance, then you may need to inform your agent if your car has an anti-theft system so as to qualify for discounts on your comprehensive coverage. Occupational discounts are also given to individuals with college degrees. Meanwhile, students who maintain a grade point average of 3.0 or higher and do not have unexcused absences are eligible for good student discounts. This may mean from a $280 to a $500 discount yearly. Elderly drivers also qualify for up to 10% cut on their rates if they take the Department of Motor Vehicles (DMV) certified mature driving classes. Lastly, keeping up that clean driving record will boost your chances of not getting any increase in your rates.

Tags: auto insurance coverage, auto insurance premium, car insurance cost, Car insurance discounts, car insurance rate

Is it true that women get lower auto insurance rates than men? Is this particular to Maryland, or does this happen everywhere?

Alex

Baltimore, MD

Yes, women get lower auto insurance rates than men. And that occurs in every state in the US, including Maryland.

Various reasons are considered by auto insurance companies for giving more competitive rates to women. Studies have shown that women pass the licensing exam for drivers on their first try, which basically proves how sexist the common view that women drivers are bad drivers really is. Women drivers, according to some surveys, have demonstrated more patience and thus have a lower chance of experiencing road rage. This means that they are less likely to get into fights with other motorists and are not too prone to step on the gas because of anger. They also tend to exhibit less risky behaviors that lead to auto accidents. Because of this, women get into fewer accidents, and this translates to a lower number of benefit claims filed to their auto insurance providers. Women also seem to have a very low possibility of committing traffic-related crimes than men. Those with more sedentary or deskbound jobs in a company are more likely to be offered auto insurance discounts that men working in factories. All these do not say that women drivers are better drivers. It just says that women have been found to be statistically safer drivers than men.

Tags: auto insurance claims, Car insurance discounts, car insurance rate, women car insurance