Car insurance rates are dependent on a number of factors, and understanding what your rate is based upon can help you determine whether you are getting the best deal available. Here are some of the criteria your auto insurance rate is based upon; this will give you a better idea of the factors determining your rate and what you can do to get the best rate possible.
Age And Experience- These two factors can have the biggest influence on the rates you will be paying for your auto insurance. It had been shown that young drivers are involved in more accidents than more mature drivers. Experience has also been shown to be a factor in accident rates. In most cases, however, an older person who is a new driver will have lower rates than a younger new driver.
Location- Where you live also has an effect on the auto insurance rates you will pay. Areas with more traffic, higher accident rates, and more dangerous weather conditions are seen as bigger risks, and as a result the drivers in these locations are forced to pay higher rates.
Type Of Vehicle You Drive- Several factors related to the type of vehicle you drive will influence your auto insurance rates. Newer cars cost more to repair and replace and therefore you will pay higher rates to insurance a newer vehicle. The make and model or your car, and even the color, can affect your premiums.
Credit Score- While it may not seem obvious or even fair that those with lower credit scores should be seen as higher risk drivers, your credit score does affect your insurance rates.
If you are concerned with the rates you are paying for your auto insurance, it is always a good idea to shop around, even if you’re not due to renew for a while. It will give you a better idea of whether the rates you are paying are fair, and help you find an insurance company that can offer you a better deal once your renewal date has come up.Continue Reading
Before you purchase your car insurance online there are a few things about online car insurance companies that you should know to keep yourself protected, and to make sure that you get the best rate you can.
Finding A Reliable Provider
The most important part of purchasing any type of car insurance policy is ensuring that you are choosing a reliable company that can provide you with the type of professional product and service you need. While finding an insurance company that can give you the products and services you want and need in the real world can be confusing enough, spreading your search to the World Wide Web presents a whole new set of potential concerns.
The key to finding an insurance provider online is to establish a set of criteria beyond the normal criteria you would use to select an insurance company. This includes evaluating whether the company you are looking at is actually a licensed insurance provider or possibly a scam. In general you need to look for:
A reputable company, such as Lock Insurance.
Information about the company and contact information that is verified
Association with a professional insurance organization and proof of license
It is never a good idea to provide personal information about yourself online without knowing who has access to it, and whether it is being transmitted securely. If you are in any doubt it is a good idea to contact the company directly and discuss any reservations you have with them.
Buying auto insurance online can be convenient and safe, as well as a quick way to shop around, as long as a few precautions are taken. It is always your right as a consumer to ask questions, and being proactive online in any context is always a good idea.
Buying car insurance can seem like a daunting task, but there are often steps you can take to make it a little easier. First, decide what kind of insurance coverage you are going to need.
There are different variations from state to state on minimum insurance you have to carry, so obviously your first goal is to meet this minimum requirement. From there, you can pick and choose what kind of coverage you need. If you have a lot of assets, liability insurance is a must.
Bodily injury liability insurance is also important, as medical bills can be expensive. General recommendations for insurance state that you should get at least $250,000 in bodily injury liability for one person injured in an accident, $500,000 for all people injured in accident, and $100,000 property damage liability.
You should also take into consideration other factors like how good of a driver you are, and how far you have to drive for your daily commute when considering your insurance coverage. Once you have a general idea of what insurance will be the most important in your next policy, review your current policy in order to see how much you are paying and how much coverage you are already receiving.
Also look at your driving record – if tickets you have earned are about to disappear from the record, wait a little longer to get a quote, as this will have an effect on your insurance quotes. Look around when getting quotes as well – there are many different websites that will allow you to get free online quotes. You should have on hand your current insurance policy, drivers license number and vehicle registration in order to complete this task. Once you have gathered this information you will be able to compare your potential annual and monthly rates.
Call the companies as well, work your options and try to see if there are any discounts you might be able to receive – often if you are a driver with few tickets there are “good driving discounts” you can receive, and young drivers have the opportunity to use their higher grade-point averages as a discount on their insurance. Once you have selected a policy, make sure to review all of the details before you actually sign, including what sort of parts will be available to you when your car has been in an accident and how long it will take the company to pay for such damages.
Finally, once you have secured the new auto policy you want, it is important to cancel your old coverage. Make sure to carry proof of your car insurance with you in either your wallet or glove compartment, and you are good to go!Continue Reading
Taxpayers of any income level can file free with forms on the IRS site. Details and links at here.
If you do your own tax return and your adjusted gross income is $58,000 or less, you can file free from the IRS website, using Free File software. Or you can use the program on line or work with a cooperating company such as Turbo tax or H&R Block. Each company has its own criteria for who is eligible to file free with its program.
When you need human help, there are a number of companies, organizations and volunteers provide free tax-filing help in Florida.
Here are some places you can get free tax help in Florida:
Most of the volunteer programs will file your return electronically for free, which speeds your refund, especially if you elect to have it deposited directly into your bank account. Otherwise, the IRS is providing refunds on debit cards this year.
When they load your card or fund your account you can quickly get car insurance over the phone or come into the office. Contact us today!Continue Reading
Three areas of opportunities to save money that you should pay very close attention to whether you are shopping for car insurance or saving money on your current policy:
Contact us and we would be more than happy to review your current policy or give you a comparable quote.Continue Reading
Insurance companies will vary from county to county even zip code to zip code. So if you are moving from Orlando to Lakeland you will be happy and if you are moving from Lakeland to Orlando you might be upset with the rates.
Even if you have a child take a vehicle to college, the insurance company will want to change the garaging zip code to charge for the area the vehicle is in.
There are some new discounts that are available:
For more information contact us today.
Don Westerfeld 11/5/2010 9:16:00 AMContinue Reading