Saturday, March 7, 2009

Cost of Car Insurance Going Up

For any driver looking to get insurance for them and their vehicle there are a number of considerations that determine the cost of their insurance. How long the driver has been on the road for, how many accidents they have had and their age are often the key factors that can give the driver cheap or expensive car insurance.

However, Government are considering placing a new law in place that will stop insurers discriminating on age. It is common knowledge that most accidents on the road are caused by new young drivers who are inexperienced and elderly drivers whose reaction times and driving skills have deteriorated with age. The insurance prices offered to drivers within these brackets reflect such statistics, with insurers charging young and elderly drivers more as they know it is these drivers who are more likely to cost them in claims. This seems a fair reflection and policy to take but the Government are now looking to implement laws that will stop young and elderly drivers being charged more because of the age bracket they fall in. If such a law is passed this will have a damaging effect on the car insurance cost of the everyday, safe driver who will be charged more to compensate for the young and elderly drivers now paying lower premiums. Hiking up the premium costs for everyday drivers will be inevitable for insurers as they look to maintain the revenue they receive whilst being forced to charge the most high risk drivers less.

With car insurance premiums likely to be on the rise car insurance comparison is more important than ever for drivers with every type of insurance likely to increase from classic car insurance to performance car insurance. This is likely to make cheap insurance much harder to find meaning drivers will have to look much harder to find a great deal.

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The Low Down on Auto Insurance Quotes!

There are still many people who consider car insurance, or insurance of any vehicles for that matter, as an absolute waste of money. If you are one among them, well, please read on. It is time to change the perceptions.

Car insurance provides you kind of an umbrella against financial hardships that a motor accident can inflict upon you. Normally, motor accidents trigger a heavy financial requirement such as compensation for the victims, if third parties are involved, and amount required for repairing one's own vehicle and any other vehicle that may have involved. Unless you are really rich and have a large amount of liquid assets, you will struggle to make all the payments. Car insurance comes to your rescue at such times by paying the compensation amount and workshop bills.

Even of you are not like those umpteen careless drivers who do all sorts of things from having snacks to taking a nap while driving, you need car insurance. Motor accidents may not be the result of the carelessness or rash driving of the parties involved. In some cases, only one party would be the real culprit. Being present there at that time would be the only crime the other party has done.

Take this instance for example. You have applied sudden brake when you saw the abrupt and unexpected halting of the car in front of you. You have not hit the car in front of you. However, the car on your back has smashed on the back of your vehicle. The real mistake was committed by the person who drove the vehicle in front of you. However, he or she is not a party in the accident. Therefore, as you can see, being a good and careful driver does not provide any guarantee against accident.

If you are a good driver with a proven accident-free record, then you have another special reason to take car insurance. The premium you need to pay will be lower than that has to be paid by persons with poor driving history. If the insurance companies think that the risk of paying a large compensation is high, the premium will be higher. Conversely, if the risk is lower, as in the case of good drivers, the premium amount will be lower.

Many car insurance providers are located in the United States. Previously it was difficult to find out the best and cost-effective insurance provider. However, now you can easily get online car insurance quotes. You can compare the quotes from different insurance companies with the click of a mouse.

If you are worried about car insurance cost go to my website, put in your zip code, choose one of the companies that come up, and fill out one of their forms. It's free and cant hurt any, you might even save some money. Check it out here--> Click Here

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DUI Auto Insurance Prices Online

Do you need to find DUI insurance due to a recent drunk driving conviction and finding it hard to get a decent rate from a reputable carrier? Don't despair, things are not as bad as they may seem. Just like normal auto insurance coverage there are a few things you can do to help get a lower rate, or just to get coverage at all.

Carry A High Deductible

If you set your deductible rate high, let's say $1,000 that would mean that in the event of an accident and your insurance carrier was liable to pay the claim (usually meaning YOU were at fault of the accident) then you would pay the first $1,000 of the claim.

Carriers do this so you will be less likely to file a claim, because you will be responsible for $1,000 of that claim. You would never want to file a claim for anything less or even slightly higher than your deductible amount due to a good chance your future rates will increase.

If you are a safe driver, except for that little drunk driving incident, then chances are you will not file a claim and can keep the savings you will be rewarded with for carrying a high deductible.

If you do have a claim, you only pay the deductible amount if your insurance policy pays the claim. So two things have to happen here before you will be liable for the $1,000. You have to have an accident and file a claim, and you have to be at fault and your insurance pays the claim.

Other deductions

1. Combine other policies together like home or personal insurance. Most carriers will offer some kind of discount for combining other polices, so ask for it.
2. Are you retired or active military
3. Are you a senior citizen or over the age of 55
4. Are you a member of a credit union or other fraternal organization
5. Are you a student with good grades
6. Have you taken any defensive driving classes lately
7. Does your vehicle have all the available safety features like side impact airbags
8. Are you driving a vehicle that is costly to repair, like a sports or luxury car
9. How is your credit score - a low credit score can effect your premiums
10. Do you live in a high crime or high population density area? Living in rural areas are cheaper to insure so think about that before you move.

Just because you have a DUI or other blemish on your driving record does not mean it is the end of the road for you, although it will be more expense for you in the short term.

Do not take no for an answer, talk with the agents, tell them your story and let them know you are willing to negotiate and work with them to get this issue behind you. You might have to install an Inter Lock start switch which will not allow the engine to start if you have alcohol on your breath.

You will have to blow into the InterLock device to start the engine. This can be costly to install and embarrassing to passengers, but might only be needed for a short time until you can prove this DUI thing was a thing of the past and not a recurring ongoing problem your insurance carrier should be worried about.

DUI insurance If you are in the market for DUI friendly car insurance then this is a great place to get fast, quick, and instant quotes online

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