Finding the Best Deal on a Low Cost Car Loan
June 27, 2016
Next to your house, your car is likely to be your single biggest financial outlay and it is unlikely that you will be able to pay for this in one go. For most people, a low cost car loan is the solution. This is a personal loan aimed specifically at buying a new car. It […]
How to Compare Low Cost Car Insurance in Maine
June 20, 2016
Unlike many states, Maine has a strict law in place when it comes to uninsured motorist coverage. Anyone who drives in Maine must have a minimum amount of this particular type of insurance. This means that you have to purchase $50,000 per person and $100,000 per accident uninsured motorist coverage. You can also purchase more if you feel it’s warranted.
For someone looking to compare low cost car insurance in Maine, the simplest way to do this is to contact a number of insurance companies and ask for a free quote. The quotes should all be based on the same level of coverage so it’s easier to determine which plan offers the best deal. In addition to the stated uninsured motorist coverage, liability and medical payments coverage all needs to be included. Therefore, determine the amounts of each that you want, along with any other type of coverage and then start collecting quotes.
When you contact insurance agents and ask for a quote be very specific about the type of insurance you are seeking. Collision and comprehensive coverage is often suggested by agents during the quote process, for good reason. If you drive a late model car, you really need a policy that offers protection against all perils. However, if you estimate the value of your car to be under $2,000, you really don’t need this type of coverage as the cost of the premium may surpass the total value of your car.
Once you have found a quote that you’re comfortable with, you can then set out to purchase the insurance. Bear in mind that you’ll save money by paying the premium in a lump sum instead of spacing it out in monthly or bi-monthly payments. Unless you pay the annual premium in full, expect a service fee to be added. This can add up quickly so try and avoid it whenever possible.
Low Cost Car Insurance – Tips For Finding the Best Deal on Low Cost Car Insurance
June 13, 2016
Q: I am looking for good low cost car insurance in Kentucky. I’ve found a couple of companies, but am looking for the best deal out there. Any advice would be appreciated. Thanks a lot.
A: The all time best way to find low cost car insurance in Kentucky is advice we’ve given in this column many, many times before. There is a floor to how low insurance policies will cost, but there is also a ceiling. You want to be the consumer that is on the floor. The best ways to accomplish this are to:
*Comparison shop. Get quotes from several different companies.
*Ask around. Friends, neighbors, and coworkers are all resources you can tap into
*Join a club that has negotiated a group car insurance rate for its members
*Inform insurance companies of automatic seatbelts, low annual mileage, and anti-theft devices. All of the above can reduce premiums
*Take a safe driver course
By following the above advice you should be able to find good low cost car insurance in Kentucky. The only edge you have as a consumer is the fact you are willing to shop around for the best price. Do not get lazy and accept the first price you are given.
While it may seem like common sense to shop around for rates before making a choice, many drivers do not take the time to compare quotes from different providers. In the end, they usually end up overpaying for their car insurance coverage. Be sure that you do not fall into this trap!
Low Cost Car Insurance – Why You Need It
June 9, 2016
When it comes to auto insurance, you really need to make sure that you get only the best in low cost car insurance. Simply put, this is because insurance is a cost that you will pay each and every month, and any savings that you can make in getting the cost down will add up, saving you a lot of money in the long run.
As well as this, it is generally a good idea to attempt to get the very best policy at a low cost, simply because if you can save money in every area that you currently have expenditure, you will end up really saving huge amounts overall, which can really help should you be in any kind of financial difficulty at the moment. As such, think of lowering your cost if you do need to save any money at all at the present time or in the near future.
On top of this, it is generally a good idea to try to be as thrifty as possible. There are many difficulties that people are facing financially at the moment, and car insurers are among some of the companies truly appreciating this fact, and attempting to offer some low cost auto insurance deals to really help those who are currently struggling financially.
This is as much for them as for the consumer, simply because they still need the business, but it is still definitely beneficial to take advantage of low cost auto insurance in this manner, as it really can save you money whether you are in difficulty at the moment or not.
Whether you need to add to savings or simply want to save up for something nice, affordable insurance is the best way to really start making positive financial changes in your life. We could all spend a little less than we do, even if we don’t need to, so auto insurance is the first place to start overall. Low cost car insurance will add up over the years, and you can still get incredibly high quality coverage with low cost car insurance, making it really good value for money should you ever need to claim on it.
Simply start your search for low cost car insurance by going online, since the internet will offer the best deals possible in low cost car insurance, and there is no better place to start your hunt for savings like this.
How to Compare Low Cost Car Insurance in Mississippi
June 6, 2016
Almost every driver would like to know the secret for getting low cost car insurance in Mississippi – and fortunately there are several simple things virtually any driver can do to save money month after month.
Of course the most important thing you can do to insure that you are even offered low cost car insurance to begin with is to drive safely and legally at all times. If your driving record has any speeding tickets or DUIs or DWIs or other moving violations you simply will not be offered the best rates possible.
If you can park your car in a garage at night rather than leave it parked on a street you’ll save money.
You’ll also save money if you pay your premium each month automatically from your bank account.
Buying a simple steering wheel locking device – and using it – may also save you money. Talk to your agent about other low-cost anti-theft measures that could save you money month after month.
Don’t waste your money paying for collision or comprehensive insurance on older cars that no longer have any Kelly Blue Book value.
Join – or start – a carpool at work. Did you know that if you can cut your monthly rush-hour driving miles in half that you could save a bundle on your car insurance?
Use public transportation whenever possible and leave your car parked at home. If you can reduce your driving to below 500 miles each month you can save considerably with a Low Mileage Discount.
If you retire and stop driving back and forth to work let your agent know and you will be entitled to a substantial reduction in the cost of your car insurance.
Younger drivers who are still in school and can get a “B” average or better will save with a Good Student Discount.
If you have more than one car, insuring all of them with the same company entitles you to a Multi-Car Discount.
If you have other insurance policies – such as homeowner’s or life or health – consolidating all of your policies with the same insurance company entitles you to a substantial Multi-Policy Discount on your car insurance.
Agreeing to pay the largest deductible that you can actually afford is another way of reducing how much you pay every month for your car insurance.
Buying your car insurance online is another great way of saving money. If you want to get the very best price possible then don’t stop after comparing prices on just one website, but compare prices on 3 different sites.
Also, be certain that you input the same answers to the questions on all 3 sites. That way you will truly be comparing the same policy all the way around.
Once you have made your comparisons on 3 different sites then all that’s left is for you to choose the best price you’ve found. That’s it! That’s how to compare low cost car insurance in Mississippi.
How to Compare Low Cost Car Insurance In Michigan
June 3, 2016
Most of us do some comparison shopping when we are looking for a big ticket item like a refrigerator or a television. However, many people in Michigan never take the time to try and find the best deal on car insurance. The best way to compare low cost car insurance in Michigan is to call up a few agents and ask for quotes. You do need to be aware of exactly what type of car insurance you need before you pick up the phone.
Purchasing the minimum coverage required by state law in Michigan may be sufficient if you drive an older vehicle on an occasional basis. If you are driving back and forth to work or school daily, you need to consider a policy that offers more types of coverage. The additional types of coverage include comprehensive and collision coverage, uninsured motorist coverage, and limited property damage liability coverage. Once you know exactly what types of coverage you feel are necessary you can then start gathering quotes.
Start with your homeowner’s insurance company. Explain that you already have a policy with them and you’d like to add on car insurance coverage. In most cases you’ll be offered a discounted rate because you are purchasing more than one type of insurance. Adding on a health insurance or life insurance policy can result in lower premiums for all of them. This is a great approach for someone who already has policies spread out over several companies.
Call agents that represent other companies as well though. Even if you suspect that you have already been offered a rock bottom price you may be surprised. Insurance in Michigan is a competitive business. There is a law in the state which prohibits one insurance company from contacting another just to compare rates. This means the consumer can expect to have several companies all clamoring for their business by offering a good rate. The resulting lower price for premiums is great news for all drivers.
Low Cost Car Insurance – Getting Your Rates Down
May 31, 2016
Whenever you’re trying to get low cost car insurance, you have to understand what affects your rates. The more you know up front, the easier it will be to get cheap car coverage.
In this short article we’ll take a brief look at a few of these factors in order to help you get the type of discount you’re after. Something else you need to bear in mind is the fact that insurance companies are usually reluctant to tell you everything you need to know, hence the reason why it’s so important for you to learn all you can upfront.
First and foremost, you need to acknowledge the fact that it is not always the most well known companies which provide the best deals. To the contrary, it is often the smaller companies which can provide you with the most attractive low cost car insurance policy. Essentially, this is because the smaller companies need to find a way in order to be able to compete with the main players.
Did you know your credit can help determine whether or not you get low cost car insurance? It’s true, and the worse it is the more you’ll end up paying. If you have a good credit score, it will just be another way to lower your policy costs.
Age is another factor which can influence your chances of getting low cost car insurance. For example, because teenagers are considered to be a higher risk than middle aged drivers, they often find it almost impossible to get a decent deal. Remember, according to statistics, people under the age of 25 are at the most risk of being involved in an accident.
Let’s face it; when you contact an insurance company to inquire about low cost car insurance, one of the first questions they usually ask is whether or not you’re older than 25. As strange as what it may sound, married people are more likely to get to cheap car coverage than single people. Likewise, depending on what sort of job you do, even that can help to ensure rates are kept at a minimum.
You also have to consider that insurance companies compete with each other like gas stations. If one offers a specific discount, another one will counter. It may not be the same type of bonus to you, but will help you to get low cost car insurance. The best time to look for this is right after Christmas and through the month of January.
Of course there are several other factors which can have an impact on insurance rates, some of which include things such as traffic violations for example. The bottom line is; you should ideally have all the information which has been mentioned when you try to secure a low rate car coverage policy.
You never know when one little detail you leave out could create a loss on your part. Low cost car insurance is quite easy to find when it’s all said and done. The only problem is you have to figure out which company offers the best deal. Yes, you could go from business to business and get quotes from everyone, but that will cost you money.
The easiest way to find low cost car insurance is to look for it online, in that there are nowadays numerous websites out there where you can compare quotes from different companies. Also, you need to bear in mind that if your car is parked in a secure location, and/or you have a car alarm, you’ll also have more chance of getting low cost car insurance.
Low Cost Car Insurance – 4 Essential Steps to Avoid Getting Ripped Off
May 25, 2016
Times have changed and so has the way we all search for bargains and low prices. It is true we may all want to find low cost car insurance online but are wondering if these truly are the best rates. If you’re not familiar with shopping online the following strategies will help you to find insurance quickly and get instant proof of insurance.
With all the new technological advances today, most companies have changed they way they do business and insurance agencies are no different. Regardless of whether you consider these changes as being positive or negative, the changes are here to stay. Finding low cost car insurance has now become as simple as filing out a few lines on a form online and sitting back to wait for the offers to come through on your computer.
These 4 steps will help you to avoid getting ripped off by your insurance broker:
Step 1. Turn on your computer.
Step 2. Find a reputable agency which will send you multiple offers from multiple well know insurance carriers in minutes.
Step 3. Fill out the information form truthfully.
Step 4. Sit back comfortably; wait a few minutes and then decide which of the many offers you receive has the best rate for your current budget.
I know this all sounds ridiculously simple to do, but that’s the point I am trying to make. The day of traveling around town to find the best insurance rates or spending all day on the phone waiting to speak to an insurance representative is long gone my friends. Even small brokers in your area have had their policies listed with these online agencies in order to compete for your online business with other larger insurance agencies. Low cost car insurance is so easy to find these days and those of you who might have forgotten to renew your policies, can with a click of your mouse, have instant proof of insurance printed on your very own computer.
Some of you may still insist on doing business the old way, but eventually online shopping may be the only way to get low cost car insurance. The truth of the matter is that those of you who have never shopped online have probably not yet experienced the joys of shopping on the internet. Folks, it’s very addicting and once you realize how much information is available; you will no longer have your insurance broker or retail stores rip you off when it comes to purchasing the things you need. Information is power my friends and your computer is the new tool to help you find the best deals on and off the internet.
While there is no right or wrong way to find cheap car insurance there are ways that will bring you better result and cheaper rates. Unfortunately, those of you who refuse to change with the times may continue paying those high rates and being ripped off by the local insurance bandit.
Low Cost Auto Insurance – How to Obtain the Low Cost Car Insurance Policy You Want
May 21, 2016
Having a low cost auto insurance policy is something that every driver wants. With prices of everything currently on the rise, and car insurance is no exception, this seems easier said than done to many people. How can you lower the cost of your insurance policy?
1. Choose a Higher Deductible: By opting to go with a higher deductible you can lower the premium on your policy. Just make sure you can afford the deductible if you do get in an accident.
2. Take a Driver’s Safety Course: Check with your insurance company to see if they offer a discount on insurance policies for completing an approved course in driver’s safety. Many insurance companies promote this and it is one way that you can lower the cost of your policy.
3. Equip Your Vehicle with Safety Features: Many companies will give a discount to drivers that have cars with certain safety features such as proper safety restraints and air bags.
4. Make Sure Your Car has Anti Theft Devices: This is another feature on your car that could save you money. Many companies will give discounts for anti theft devices such like certain locks and alarms.
5. Get Good Grades: If you are a student, getting good grades could save you money on car insurance. Having good grades could earn you a discount on your auto insurance policy.
6. Carpool: By driving less you could be one step close to a low cost car insurance policy. Many companies have a discount for people who meet certain low mileage requirements. Find out what your insurance company’s requirements are for this, and try to meet them.
Low Cost Car Insurance
May 19, 2016
Low cost car insurance is easier to get now than it used to be, largely due to the internet. At one time, the only way to compare discount offers was to visit the insurers’ offices and discuss it with them.
You could also telephone, but you know what it’s like when you ask for a quotation over the phone. The second you hang up you remember a question you meant to ask. It can get quite costly on phone charges! The internet, however, makes it a lot easier for you to find the low price quotes that many companies are offering but that would more difficult to find without it.
A lot depends on the type of car you have, and if yours is older you should not only get the lowest quote, but also the protection that lemon laws provide against anything going wrong in the short term. The internet allows you not only to get low cost auto insurance online, but also to compare cheap new car insurance quotes from a number of different companies.
Not only can you do this manually by visiting the websites of insurers offering online price reductions, but also have it done for you by means of the various auto insurance price comparison sites available on the internet. These look at the policies of different auto insurers and compare the prices offered for a variety of options. If you are looking to buy cheap auto insurance online, then this is an excellent way in which to compare what is available.
The lowest quote might not be the best deal if you have specific needs in mind. For example, you are going to pay more if you want your new driver daughter put on your own policy. Perhaps you want to insure your car for any driver, or have a low, or even zero, deductible. Cheap policy is available if you are willing to forego these luxuries of the auto insurance world, and opt for just a basic policy.
Quite frankly, a large number of people are over-insured for their needs, and would be just as well off with any of the online car insurance lowest rates offers that are being offered by top class and well respected companies. Fully comprehensive policies give you a lot of peace of mind, but many of the extras are not really necessary. Its amazing the difference a $100 deductible makes to your policy, and sometimes it can be more cost effective taking a separate glass policy out with a specialist rather than adding it to your regular coverage.
It is not difficult to get a car low insurance if you know what you are doing, and it helps if you understand how the auto insurance business works. The basic car insurance policy is not what you pay; the options are adjusted until you are given a low cost auto insurance quote that meets your personal needs. Some companies are willing to offer options that others are not, although most will take your driving history into account.
You have most influence over the number of drivers, the deductible and level of cover. The cheapest is third party only, and if you have an old car then that is all you really need. Your car is likely to be written off in the event of a serious collision and it is not worth having a comprehensive insurance policy for an old car. If you are negotiating for a low cost car insurance, then the factors that will help you most will be to insure only yourself for driving the car, opt for a higher deductible and if you want a fully comprehensive policy, then buy a lower cost car. Nobody can expect a low price car insurance quote on a $300,000 2007 Lamborghini Murcielago LP640 Roadster!