Two Things to Keep in Mind When Shopping For Student Auto Insurance

Buying student auto insurance isn’t exactly an easy task, especially if you’re doing it for the first time. You don’t want to end up paying an arm and a leg for minimal coverage, but you want coverage from a company you can count on. Is it possible to get quality auto insurance for students without breaking the bank? Here are some things to keep in mind.
1. Parent Policy Additions
Many parents opt to put their students on their own policy when they begin to drive. While this is a great way to keep student insurance premiums as low as possible it can be a little risky as far as the parents are concerned. If a minor is irresponsible and drives recklessly or has an accident then the parents will be responsible, and it will cost them with higher insurance premiums in the future. In fact, a parent could lose their auto policy altogether at the hands of their student drivers. Many parents are not willing to take this chance.
2. Good Grade Discounts
If a student is on their own in getting an insurance policy they may be able to take advantage of certain discounts geared towards students. If you have good grades then your insurance company may reward you for it. Ask about good grade discounts and other discounts available designed to help make student auto insurance more affordable.
Students do pay more for their own policies. While it may not seem fair it’s important to understand that it’s because students are some of the riskiest drivers to insure. Fortunately, with time and a proven driving record, those rates will eventually go down. Shop around for the best student rates you can get at the moment and in time, when you prove you are a responsible driver, you will be entitled to a lower insurance premium.

You’re Paying Too Much For Your Auto Insurance – Here’s How to Stop!

Have you compared your auto insurance rate with other company’s rates? Are you getting all the discounts you’re eligible for? Do you have the highest deductible you can afford? If not, the odds are you’re paying too much for your auto insurance.
Here’s how to stop overpaying on your insurance …
Remove All Unnecessary Coverage
Many companies add coverages to your policy you may not want without your knowing. Some of these coverages include rental car coverage (your credit card probably covers this), mechanical breakdown coverage (rarely pays off), and other services you may not need or want. Check your policy to see if you have any unnecessary coverages and have your agent remove them.
Get All the Discounts You’re Eligible For
Insurance companies offer a host of discounts, but they don’t always tell you about them. Be sure to ask your company representative to tell you about all the discounts you’re eligible for and include them in your policy
Drop Collision and Comprehensive Coverage on Older Cars
If you drive an older car the cost of your insurance may be more than the cost to replace your car if you were to have an accident. If your premium plus your deductible is more than the value of your car, consider dropping your collision and comprehensive coverage.
Consolidate Your Auto and Homeowners Policies
You can save up to 15% on your insurance premium by placing both your auto and homeowners insurance with the same company.
Compare Rates With Other Companies
Insurance rates can vary by hundreds of dollars from one company to the next. Company A may charge $1,800 a year for their policy, while company B will charge $1,200 for the exact same coverage.
The best way to save money on your auto insurance is to compare rates with other companies, and the easiest way to do it is to go to an insurance comparison websites.
At these sites you’ll fill out a simple online form with your insurance information – name, address, driving history, type of car, and the coverage you want – then you’ll receive quotes from a number of A-rated insurance companies.
The Bottom Line
If you follow the above guidelines you can save up to 75% on your auto insurance. Not bad for spending a few minutes checking your policy, dropping unnecessary coverage, getting all the discounts you can, and comparing rates with other companies.

Short Term Car Insurance: Reasons to Go For

Insurance is important when it comes to something valuable. Thus, auto insurance is a necessity that provides protection against damages that may occur during traffic ancients and against liability that may arise there. There are two types of auto insurances, one is long-term car insurance, while other is short-term car insurance. Though many people prefer going for long-term insurances, yet during certain situations, going for short-term insurances are very beneficial.
During New Purchase:
Say you have just purchased a new car and want to drive it to your home. However, you have not decided on its insurance till now. If you have bought it out of your state or at your native dealer, going for short-term car insurance will help you to reach your car to your home safely.
During Exchanging Vehicles:
If you are one of those people who likes to switch cars often for profit and thus doesn’t know for how long you are going to have it, in this kind of situation going for short-term will come in handy.
In Case of Rental Car:
Apart from all these, while going for a vacation or holiday with family and friends in a rental car, short-term car insurance is considered necessary. The companies that provide car rent service to people generally have their own insurance that you can buy. Usually, these insurance policies provided by these car rent companies are quite expensive. Therefore going for short-term from your insurance provider would be better option here.
Days of Scarcity:
In case you don’t have enough money to pay your bills and even don’t have the need to drive your car on regular basis, then there is no reason to for long-term car insurance. Going for short-term will be beneficial here.
Drive Occasionally:
A lot of people are there who don’t use their vehicle on daily basis. They are the occasional drivers and when it’s an urgent need of going top a distant place, they drive their car, here short-term car insurance can fulfill the essential need of car insurance.
In Case of Alternative Driver:
Moreover, if you are not driving your own vehicle and one of your good friends or family member is driving it or someone else has borrowed your car to go somewhere, in this case they may get involve in accident and you may assume complete liability. Here comes the importance of short-term car insurance. It will not only provide you the protection that is required here, but also will make you relax if anything of that sort happens.

The Importance of Getting Auto Insurance

When we are at the most critical times of our lives it’s always good to have someone whom we can ask for help and lean on. Disasters and accidents are among the things that are beyond human’s control and since these phenomena do happen each day, we should always be prepared. Nobody is capable of knowing when would the hands of fate hit us with unwanted circumstances; however if we are careful enough and always ready, then during unfortunate times, coping up will not be that hard anymore.
In a large city like Las Vegas, it is very important that people especially drivers secure insurance for their vehicles. Being a cautious driver is out of the question here, because the main reason why it is needed is because of some reckless drivers who might be the cause why your car or vehicle would be damaged. No matter how cautious you are but if others are not, then the risk is still around. Getting insurance is one way of protecting your automobiles or vehicles when the unexpected strikes.
Don’t be surprised if some people with old and inexpensive cars have to pay much on their insurance, it’s all because, the vehicle that they own has a very high theft rate. It is very important that you read the insurance policy that you have so that you’ll be aware as to why you’re paying a certain amount for your auto insurance. One good thing about having insurance agents is that they can give you the resources necessary for you to understand your current insurance policy.
It is very important that you look for a reliable agency that can help you in finding the best insurance company that could live up to your expectations by providing you with a comprehensive policy review. This is for you to be assured that you are going to pay only the coverage for what you exactly need. Don’t spend more if you can lower the cost of your insurance with even more benefits compared to your current policy. Always consider alternatives so you can get the best value for your money.