Categoría: INSURANCE

Tips of car insurance


Tips of car insurance

Whether you are a new driver or a veteran experienced, you will be difficult to find cheap cars, it can be difficult. In recent times, the auto insurance premiums have skyrocketed and it is possible that will surprise you quite when it comes to the renewal of car insurance that you have to do. Then how can I get a cheap car insurance?

Car Insurance Group

If you are a rookie driver, forget the two-seater sports car. Have a safe cars of low cost will reduce your insurance premiums for cars. It is a good idea to avoid leakages double, tinted windows and optional alloy rims, since all these “extras” raise your car insurance.

Get an insurance of specialist

If you already have a car, your next plan should be the most appropriate. A good tip is to look for companies of car insurance to suit your personal circumstances. Did you know that drivers women can get a car insurance cheaper? If you are a young driver or new and desperately looking for a car insurance affordable you have to get quotes that serve the market specialized younger. They have experience ensuring drivers with little experience and often offer competitive quotations.

Penalty points

What happens if I penalty point or crimes of traffic? No issues. Despite what you may have heard, you can still find cheap car insurance, even if you have licenses with points. There is a large number of insurers of cars that cater to drivers who have been disqualified or have points.

Regardless of whether you are a man or a woman, your situation or your age, is an excellent idea to give you a return before starting with your hard-earned money. Do not accept the quote of car insurance given.


Get a car insurance as cheap as possible


Get a car insurance as cheap as possible

In case you are a new driver or have years of experience, these tips will help you to reduce premiums with your insurer of cars.

Levels of risk with your insurer

Car insurance companies base their prices on the level of risk they pose to them. In order to reduce the premiums, you need to reduce your risk. A quick and easy way to do this is to modify the description of your employment in the application form. For example, change the title of “marketing assistant” by “marketing executives”, this could save you up to 10%.

Adds a driver

Another tip is to add someone with experience of driving as a driver whose name appears in the policy of your health insurer. This should reduce the fees with your insurer, always and when you have a clean record.

This is due to the fact that the insurer assumes that you are going to share the car and as such will not be on the road so frequently.

Do Without parking?

If you are planning to opt for a third party insurance, then always checks the cost of any risk, since in some cases this can be cheaper. If you can park your car in a unit or in a garage then make sure to declare it in the application form, this will dramatically reduce the premiums of your insurer, since it reduces the risk of theft and damage.

Compare car insurance online

The next step to get a cheap car insurance is to compare prices. As the price of insurance vary dramatically is a good idea to explore. It is recommended that you go to the Internet so you can compare, as you can see the prices with different insurers.

Increase your deductible

Other ways to get a car insurance cheaper is to increase your deductible. This is the amount you will have to pay if you had a claim. Can you afford to pay if you were to end up in an accident?

Located less

You can also reduce the premiums of your insurer when driving less. All insurance companies will ask for the number of kilometers that you expect to drive a year. If you drive a lot you will have to pay more. It should be noted that if you say that you drive a thousand kilometers, but in reality there are five thousand, this could void your insurance and the insurer may not pay.

Remember that each company has their own algorithms to determine the amount of the insurance premiums. Adjusts the application forms until you find a price that is right for you.



Protect Yourself from Fraud insurance for cars

insurance fraud

There are several ways in which consumers can be victims of insurance fraud for cars, including scams in accidents, tricks on insurers and fraud of reference. Whether you go to buy a vehicle insurance or travel, it is important to know how to protect themselves.

At the time of purchasing a car insurance:

  • Beware the offers for insurance of sellers of door-to-door, through telephone calls or announcements or requested on the Internet.
  •  Suspicion if the price of auto insurance seems to be much lower than the competition. Could be a scam or the coverage could be full of exclusions that only discover when you need coverage.
  •  Contact your state insurance department for vehicles to be sure that the agent and the insurance company have license.
  •  Make sure that the free services are not in reality hidden in your invoice for insurance for cars.
  •  Question if the insurance company has invested in the car repair workshops; this is a red flag. You are not obliged to use it and not will give you a better service or price, in fact could be worse.
  • Protects your identification number of auto insurance in the same way as your social security number, because if stolen, criminals can use in a scam.

In Driving:

  •  Beware if a car stops in front of you. Can be established by an accident on the scene.
  •  Trust your instincts. If someone seems siguiéndote or behaves suspiciously, go to the nearest petrol station or another safe place.
  •  Carries an emergency kit for accidents or at least a disposable camera in your car.

After a clash of two cars:

  • Exchanges information with the person who was driving the vehicle, including the license, vehicle registration and proof of insurance. Takes pictures of all the damage in both carts.
  • counts the number of people in the car. Get the name, address and phone number of each one of them, not just to the driver.
  • Call the police. Get a police report with the official name, even if the damage is minimal. This makes it more difficult for a criminal damage the car later and try to charge an increased demand.
  • Prevents people who suddenly appear on the scene of the accident and is directed to the specific doctors or lawyers.
  • Prevents the people you offer quick money to repair your car.
  • Requires detailed invoices of repairs or medical services. Saves all receipts related to the accident.
  • Beware doctors who insist that present a demand for personal injury after an accident, especially if you are not hurt.
  • Firm never claim forms of insurance for cars in white.

Average monthly car insurance for 18 year old male

As soon as your child or teen is old enough to obtain a license, you should contact the company that provides you the auto insurance and notify you of the new driver in the House. That said, wait for that price that pays for your insurance increase, probably up to 50% more than the current price, since because of its inexperience whiledriving, young people tend to be involved in more accidents.

The odds that a teenager suffers an accident are high. According to a study of the Organization of students against them decisions destructive or SADD (Students Against Destructive Decisions) them teenagers are a 44% more than their time driving during the summer that during them months of the year school. What is more, the drivers of 16 years have a greater probability of find is in shocks that no other group ofdrivers, while them accidents in vehicles motorized are it cause main of death between them young of between 15 and 20 years of age.

According to the Department of transportation (U.S. Department of Transportation)in this age group 3,490 drivers died in auto accidents in 2006 and some 272 thousand were injured. That same year, the drivers between 15 and 20 years were 12.9% and 16% of all reported accidents and deaths of drivers in fatal crashes.

So, the following questions should be done are:

How to protect your young driver?

How to protect yourself financially? Or what is equal to how to keep the cost of the insurance to a minimum amount?
Below is a list of ideas and recommendations for both cases.

Protection for your young driver
Here are some recommendations of the Insurance Information Institute to improve the security of your teen driver:

Select a car that is safe.
The type of car that handles a young driver will definitely affect the price of the insurance. You and your teen can choose a car that is easy to drive and which provides protection even in the event of a collision. Avoid very small cars and the sports that are designed for high speed and performance because they can tempt the young man driving at dangerous and excessive speeds. Avoid the “all-terrain” (SUVS), vans or trucks, since that are more prone to roll over.
Click here for the teenager to take a driving course.
A young man who learns how to drive through a course of conduct is viewed more favorably by insurers that one that you learn driving with their parents. In fact, in some States, adolescents must take a course if they wish to obtain the licence at the age of 16, or wait until age 18 if they do not take the course. Learn how to drive safely not only will make sure your child is well, secure and safe, but will also save you money. Take a driving course can mean a 15% discount on the price of the insurance premium. Before scoring in the course, be sure that the course that’s going to take is accepted by your insurer.
Enter the young driver courses defensive driving.
Some insurance companies offer what they call programs for safe drivers. To involve young drivers these programs they must sign a contract that commits to be a “driver safe or responsible for”, for example, not can lead and consume alcohol, etc. Ask if your insurance company has this kind of program and if the teen meets the course will be eligible for a discount. Some insurance companies also have programs that include the monitoring equipment installed in this car. Parents can see where the kids are on a machine similar to a device’s global positioning that is placed on the dashboard of the car. Parents can see where is the young man in a Web page and if they exceed limits of speed in the area or they venture into areas far from your home or school, parents are notified automatically.
Talk to the young driver about the dangers of combining driving with the consumption of alcohol, drugs, lack of sleep, or distractions.
Teach, stress, and constantly remind them that they should not drive under the influence of alcohol, drugs or when extremely tired. This awareness in children will help you keep healthy and safe avoiding suffering an accident, and also help to save money. If they maintain a good driving record, your insurance costs will go down over time.
Do much emphasis on the behavior of young people while they are in front of the steering wheel.
Auto accidents occur each year to young people who drive while they are talking on the phone, writing texts, or because they are distracted with the radio or the conversation of friends. Likewise, show him the dangers of being who distract the driver because of their inappropriate behavior in the car when another young man driving. Stress, stress and remind them constantly to avoid distractions, whether by talking on your cell phone, playing with the music player, or the friends inside the car. Encourage them to that when they travel with passengers, all be respectful of the person who is at the wheel and not distract you.
A good example.
Novice drivers learn by example, so better avoid handle careless or irresponsible for not imitate it. And not neglect to always use the seat belt and when handling never drink alcohol.
Ask about programs of graduated driver’s licenses.
Novice drivers often have restrictions regarding the activities that can be performed, such as driving with passengers in the car until they have a license that is of a particular type or have preserved it by the way minimum time, e.g. six months. A certain number of States has succeeded in reducing the number of teenage accidents by restricting the amount of time that are the drivers on the roads without supervision. If you live in one of these States ask if this applies to get additional discounts. And even if your State does not have this policy, you can set up a similar program with novice drivers who live at home.