Sign up Login

Car Insurance Quotes, Discounts and Money-saving Tips

Posted: // - 12: AM ET

More Money-Saving Car Insurance Tips

Since none of us are endowed with a financial "guardian angel" to watch over us, getting the best deal on car insurance takes research, attention to detail, and some helpful shopping tips. Not only does it help to comparison shop for the lowest rate car insurance quotes, , but you should understand why insurance rates vary and how your "risk profile" can influence your rates.

Lower your Car Insurance Risk Profile
Your risk profile is based on a set of factors which can work for or against your car insurance rates. Factors which insurers believe influence your risk of having an accident and filing a claim include :

Teenagers - Drivers under the age of 25 can expect to spend the most for car insurance due to their lack of experience and tendency toward reckless behavior. Piggybacking your policy onto an older relative's coverage, especially if you live at home is an option which can significantly reduce your rates. By taking a defensive driving class, you can also show your insurer that you are acquiring the tools to be a safer driver.

With age comes experience and your rates will be reduced accordingly. Staying with the same insurer over a period of years will qualify you for a "loyalty" discount, as well as a "safe driver" discount if you remain claim-free.

As you approach senior citizen status however, your rates will begin to increase due to the increased likelihood of accidents due to slowing reaction times and the effects of other physical impairments. Injuries involving older occupants are usually more serious. There are currently 20 million licensed drivers in the U.S. over the age of seventy. By taking courses and behind-the-wheel training for driving improvement, seniors can improve their driving skills and reduce their insurance rates.

Women Drivers - Although popular opinion seems to disagree, female drivers in their late twenties to early thirties are the safest drivers. Females tend to be more cautious, and less inclined to speed or drive recklessly. In a Department of Transportation survey, of drivers stopped for other reasons by law enforcement officers, 25 percent of males versus 8 percent of females were not wearing their seatbelts.

Put your Best Foot Forward
Get your Credit Report in Order - Car insurance companies set your rates partially on the strength of your credit score. If you miss credit card payments, are late on your mortgage payment, or have no credit at all, it is viewed as an indicator of your likelihood to file an insurance claim. Check your credit report regularly, repair any errors, avoid bankruptcy, and make all payments on time.

Clean Up your Driving Record - Blemishes on your driving record, big or small, can cause your insurance rates to climb. Fortunately, it is possible to erase the lesser infractions from your record to help keep you insurance rates down. Many states will erase a minor citation by simply attending a court-approved driving class.

Toyota Prius

Drive a Low Profile Older Vehicle - Ignoring your need for speed, status, and attention, you can save a bundle on insurance (and loan payments) by buying a nice, certified, previously-owned vehicle in the sedan or minivan categories. It won't get you much action at the drive-in, but all the money you save on car insurance will make up for it.

When you drive a new vehicle which is less likely to be stolen you can earn a car insurance discount. Forbes notes the following as their List of Least Stolen Cars.

  • Buick Ranier
  • Buick Terraza
  • Mercedes-Benz E-Class
  • Subaru Forester
  • Toyota Prius
  • Volkswagen New Beetle

Your Car is your Castle.
Install a LoJack Recovery System and save up to 30 percent on your car insurance. Some security alarm systems are better than others, the most visible, like The Club, simply locks to the steering wheel. A starter disable switch may be more difficult to bypass.

Don't Buy More Coverage Than you Need.
Always comparison shop for the lowest rates and make sure you don't buy more coverage than you will need. Most states require a minimum amount of coverage for accidents which are your fault; a certain amount for each injured occupant, a maximum amount for all injured occupants, and an amount for property damage. Depending on your circumstances, you may opt to buy this amount of coverage, or more.

You may be paying for coverage you do not need if your vehicle is older, with a low blue-book value, say $1500. In this situation, you may not need comprehensive or collision, which pays for repairs or replacement of your vehicle. If the value of the car is not much more than ten times the yearly premium, consider leaving comprehensive and collision off.

More Car Insurance Tips
You can save on car insurance by combining it with your homeowner's policy. Not only that, you can also save money by increasing your deductible. Some car clubs, organizations and employee benefit packages offer other ways to get in on lower car insurance rates. With this heads-up approach to car insurance shopping, you can find many ways to save a few dollars here and there to keep as much in your pocket as possible.

New Car Dealers
Used Car Dealers
Car Rentals
Car Insurance
Guest
guest avatar
Posted on: May 2, 2013 at 6:27 PM
I am writing a research paper and collecting information on this topic. Your post is one of the better that I have read. Thank you for putting this information into one location.
cute animal videos
0
Flag for Abuse|
Guest
guest avatar
Posted on: May 2, 2013 at 7:28 PM
I have been assigned to do a report for our school newspaper on this subject, and your post has been beneficial. Can you please add more reference to this topic, thanks.
natural medicine center costa mesa
0
Flag for Abuse|
Guest
guest avatar
Posted on: May 2, 2013 at 9:34 PM
I am writing a term paper on this topic and came across your post which was very helpful. Do you know where I can find more information about this?
new york rug cleaning google+
0
Flag for Abuse|
Guest
guest avatar
Posted on: May 20, 2013 at 12:05 PM
Behind-the-wheel training for driving improvement,buy an essay online seniors can improve their driving skills and reduce their insurance rates.
0
Flag for Abuse|
Guest
guest avatar
Posted on: May 20, 2013 at 10:28 PM
By taking courses and behind-the-wheel training for driving improvement, seniors can improve their driving skills and reduce their insurance rates. written essays
0
Flag for Abuse|
Guest
guest avatar
Posted on: May 30, 2013 at 8:24 PM
0
Flag for Abuse|
Guest
guest avatar
Posted on: July 3, 2013 at 7:19 AM
There are currently 20 million licensed drivers in the U.S. over the age of seventy. By taking courses and behind-the-wheel online business administration degree training for driving improvement, seniors can improve their driving skills and reduce their insurance rates.
0
Flag for Abuse|
Guest
guest avatar
Posted on: July 5, 2013 at 7:46 AM
Хорошая статья, еще советую ознакомиться
размеры рамки листа а4 <a href=http://skachateto.com/>тут</a>
variant2
0
Flag for Abuse|
Guest
guest avatar
Posted on: July 8, 2013 at 5:10 AM
Vehicle insurance is a very important aspect of our life. A full coverage protects on our vehicle helps us in many ways. In case of accidents its gives coverage to our vehicle as well as person. These tips are indeed very useful for every vehicle owners. visit here
0
Flag for Abuse|
Guest
guest avatar
Posted on: July 16, 2013 at 2:15 AM
There are currently 20 million licensed drivers in the U.S. over the age of seventy. http://www.scholarshipland.org/best-buy-scholarship/ By taking courses and behind-the-wheel training for driving improvement, seniors can improve their driving skills and reduce their insurance rates.
0
Flag for Abuse|
Guest
guest avatar
Posted on: July 16, 2013 at 3:48 AM
Thanks a lot for enjoying this beauty article with me. I am appreciating it very much! Looking forward to another great article. Good luck to the author! all the best! bespoke trailers
0
Flag for Abuse|
Guest
guest avatar
Posted on: July 19, 2013 at 2:46 AM
EssayScam is an educational arm of a commercial essay writing and research service. EssayScam exists to help students, other essay-writing companies, and academic freelance writers by discussing their experiences with writing sites, freelance writers, and students (their clients) to improve their services. Cleaners Lancaster
0
Flag for Abuse|
Guest
guest avatar
Posted on: July 19, 2013 at 5:12 AM
However, it's not the only reason why you or anyone should opt for essay writing services. allen gabriel plastic surgeon wa
0
Flag for Abuse|
Guest
guest avatar
Posted on: July 29, 2013 at 4:39 AM
Thanks for sharing nice information with us. i like your post and all you share with us is uptodate and quite informative, i would like to bookmark the page so i can come here again to read you, as you have done a wonderful job.
Dentist New York
0
Flag for Abuse|
Guest
guest avatar
Posted on: July 30, 2013 at 7:43 PM
THis car is very beautiful. If I have enough money, I will buy it without thinking more. NSW English syllabus
0
Flag for Abuse|
Guest
guest avatar
Posted on: July 31, 2013 at 3:52 AM
You completed certain good points there. I did a search on the subject and found nearly all persons will agree with your blog. plechové garáže - garazeplechove.cz
0
Flag for Abuse|
Guest
guest avatar
Posted on: August 1, 2013 at 4:30 AM
This is my first visit but i am really very impressed from this blog therefore, thanks for sharing the information
dentures buckinghamshire
0
Flag for Abuse|
Guest
guest avatar
Posted on: August 2, 2013 at 3:48 AM
I really enjoyed the quality information you offer to your visitors for this blog. I will bookmark your blog and have my friends check up here often.
fixed probate fees
0
Flag for Abuse|
Guest
guest avatar
Posted on: August 5, 2013 at 3:36 AM
Factors which insurers believe influence your risk of having an accident and filing a claim include . area rugs to cover floor
0
Flag for Abuse|
Guest
guest avatar
Posted on: August 14, 2013 at 4:45 AM
Really appreciate you sharing this article.Really looking forward to read more. Really
iPad 2 Screen Repair
0
Flag for Abuse|
Guest
guest avatar
Posted on: August 15, 2013 at 2:03 AM
I read your post.it was amazing.Your thought process is wonderful.
Verkaufen Sie selbstgeschriebene Artikel
0
Flag for Abuse|
Guest
guest avatar
Posted on: August 17, 2013 at 3:03 AM
Nice Post I really Like It thanks For sharing this.
debt relief
0
Flag for Abuse|
Guest
guest avatar
Posted on: August 19, 2013 at 6:21 AM
This posting is marvelous and what a fantastic research that you have done. It has helped me a lot. thank you very much. Feel free to visit my buy portfolio lighting site. brooklyn chiropractor
0
Flag for Abuse|
Guest
guest avatar
Posted on: August 19, 2013 at 9:24 PM
I have just buy a new car and I need some tips to choice a car insurance concordant. hypotec reviews
0
Flag for Abuse|
Guest
guest avatar
Posted on: August 24, 2013 at 5:48 AM
I like the efforts you have put in this, thanks for all the great articles. more info
0
Flag for Abuse|
Guest
guest avatar
Posted on: August 28, 2013 at 12:40 AM
Hey! Someone in my Myspace group shared this site with us so I came to give it a look. I'm definitely enjoying the information. I'm book-marking and will be tweeting this to my followers! Terrific blog and fantastic design.
sailboat insurance
0
Flag for Abuse|
Guest
guest avatar
Posted on: September 3, 2013 at 1:31 AM
Really your post is really very good and I appreciate it. Its hard to sort the good from the bad sometimes, but I think youve nailed it. You write very well which is amazing.
water filtration system
0
Flag for Abuse|
Guest
guest avatar
Posted on: September 3, 2013 at 4:26 AM
If in any case that you will be planning to have your own wheels, there are a lot of options to choose from so that it won't be that hard for you. - Lindsay Rosenwald
0
Flag for Abuse|
Guest
guest avatar
Posted on: September 4, 2013 at 11:07 PM
I have been reading your posts regularly. I need to say that you are doing a fantastic job. Please keep up the great work.
visit france
0
Flag for Abuse|
Guest
guest avatar
Posted on: September 6, 2013 at 7:44 AM
I agree with your Blog and I will be back to inspect it more in the future so please keep up your act. hiking routes
0
Flag for Abuse|
Guest
guest avatar
Posted on: September 10, 2013 at 6:06 AM
As you tactic ancient character however, your have expenses resolution rise to heighten as a sequel of enhanced chance best-homework-help-online.com of mischances unpaid to halting reply phases as well as the corollarys involving new manual impairments. Occurrences involving again full-blown habitants normally are better serious.
0
Flag for Abuse|
Guest
guest avatar
Posted on: September 16, 2013 at 5:23 AM
Females tend to be more cautious, and less inclined to speed or drive recklessly. In a Department of Transportation survey, of drivers stopped for other reasons by law enforcement officers, 25 percent of males versus 8 percent of females were not wearing their seatbelts. Genecigs
0
Flag for Abuse|
Guest
guest avatar
Posted on: September 19, 2013 at 6:17 AM
Thank you for every other magnificent article. Where else may just anyone get that kind of information in such a perfect approach of writing? Great work. well 1500va
0
Flag for Abuse|
Guest
guest avatar
Posted on: September 21, 2013 at 4:31 PM
When you are done following these tips, and still look out for the GeekSays guide. You can get it from here. We have download iOS 7 from here.
0
Flag for Abuse|
Guest
guest avatar
Posted on: September 23, 2013 at 5:54 AM
I found this blog post searching for something related to social media. Your story is sad, although is very well written. I am sorry for the loss of your friend. V2 Cigs
0
Flag for Abuse|
Guest
guest avatar
Posted on: October 7, 2013 at 6:55 AM
This can be a great sound judgment post. Worthwhile one who is merely seeking the means relating to this element. It's going to undoubtedly help teach me personally. Richard Brubaker
0
Flag for Abuse|
Guest
guest avatar
Posted on: October 19, 2013 at 12:28 AM
Your blog is really very interesting. I am totally impressed with your blog. So keep posting. thanks
webcam girl sex
0
Flag for Abuse|
Guest
guest avatar
Posted on: October 28, 2013 at 8:20 AM
I want to buy a new car and I think I will apply your tp to save money for car insurance. Thanks a lot. bingo sites
0
Flag for Abuse|
Guest
guest avatar
Posted on: November 24, 2013 at 3:50 PM
A dreadfully astonishing world broad world broad world broad web log post. we have a inclination to rectangle consider very appreciative for your world broad world wide world wide web log post. you'll recognize pieces of improvement when travailing to your mail. i utilize to be accurately devising out. Thanks for such mail and delight contain it up. large work.. www.paymentprocessingsolutions.net
0
Flag for Abuse|
Guest
guest avatar
Posted on: December 12, 2013 at 9:24 PM
yhohts payday loans %-[[[ payday loans 3785 payday loans vsbdD quickquid 9409 payday loans >:-OOO payday loans uKEeNV payday loans sCFxgP
0
Flag for Abuse|
Guest
guest avatar
Posted on: December 15, 2013 at 12:38 PM
I easily have a momentary gaze here and undergo nice to try to find out this periodical. Made content composing hand and really cooperative web location. I foresee most of we tend to United Nations bureau are to search for out these styles of things, here we are adept to recognise everything. Im with the content honor and do esteem him as a directly supplier. Thanks for your efforts and you too. [url=www.mopaydayloanstore.com/st-louis]www.mopaydayloanstore.com/st-louis[/url]
0
Flag for Abuse|
Guest
guest avatar
Posted on: December 15, 2013 at 12:40 PM
I easily have a momentary gaze here and undergo nice to try to find out this periodical. Made content composing hand and really cooperative web location. I foresee most of we tend to United Nations bureau are to search for out these styles of things, here we are adept to recognise everything. Im with the content honor and do esteem him as a directly supplier. Thanks for your efforts and you too. payday loans[
0
Flag for Abuse|
Guest
guest avatar
Posted on: December 18, 2013 at 2:13 PM
Really rich content and very cooperative minutia and numbers. <a href="http://vpn-guru.com/">Vpn-guru</a> I discovered out my problems answer beginning over here. I exceedingly support his/her means by means of the treasured enlightening minutia and numbers. Thanks a allotment
0
Flag for Abuse|
Guest
guest avatar
Posted on: December 18, 2013 at 2:15 PM
Really rich content and very cooperative minutia and numbers. Vpn-guru I discovered out my problems answer beginning over here. I exceedingly support his/her means by means of the treasured enlightening minutia and numbers. Thanks a allotment
0
Flag for Abuse|
Guest
guest avatar
Posted on: December 26, 2013 at 4:15 AM
Guest
guest avatar
Posted on: December 31, 2013 at 1:43 PM
0
Flag for Abuse|
Guest
guest avatar
Posted on: January 6, 2014 at 6:19 PM
0
Flag for Abuse|
Guest
guest avatar
Posted on: January 13, 2014 at 8:21 PM
I am glad after reading that post. I was searching that topic from few days its increase my knowledge. Thanks for sharing us a great information that is actually helpful.mightystudents.com
0
Flag for Abuse|
Guest
guest avatar
Posted on: February 1, 2014 at 1:45 AM
Insuring someone aged under 25 can cost a fortune. Yet by adding a second driver with a good record to the insurance, even if they won't use the car often, it can smooth out the average risk and sometimes reduce the premium. It won't always work, but its worth playing with quotes to check.
residential moving service los angele
0
Flag for Abuse|
Guest
guest avatar
Posted on: February 1, 2014 at 11:40 PM
Sexs grat the bud before it was. Sign insign inmark pm top grade webcamsex with naked girls anywhere from eugenetifal i braved the weekend service, he said, people were always be a plethora of people with your addiction. You can always be added
0
Flag for Abuse|
Guest
guest avatar
Posted on: February 13, 2014 at 3:28 PM
Car insurance companies set your rates partially <a href="http://ballbingo.com">ballbingo.com</a>
0
Flag for Abuse|
Guest
guest avatar
Posted on: February 16, 2014 at 10:39 PM
I find this post very interesting. It was a fun read. I'd like to know more about the story behind this post and article. What brought you to write about this? Do you have more articles pertaining to the same subject? Jeremy Scott Wings Shoes
0
Flag for Abuse|
Guest
guest avatar
Posted on: February 16, 2014 at 10:41 PM
I am really impressed by reading this article. Interesting post and I really like your take on the issue. I now have a clear idea on what this matter is all about. Thank you so much, keeps it up, do more efforts in future. Barbour Jackets
0
Flag for Abuse|
Guest
guest avatar
Posted on: February 16, 2014 at 10:44 PM
I like this page. I am very grateful for the information presented was very beneficial to me personally and to others. Mont Blanc Pens
0
Flag for Abuse|
Guest
guest avatar
Posted on: February 16, 2014 at 10:45 PM
I really like the fresh perfective you did on the issue. Really was not expecting that when I started off studying. Your concepts were easy to understand that I wondered why I never looked at it before. Karen Millen Dresses
0
Flag for Abuse|
Guest
guest avatar
Posted on: February 27, 2014 at 11:10 PM
You've got so much to state, such minutia and figures about this subject it would be a disgrace to glimpse this blog accelerate away. The internet craves you, man! Payment Processing Solutions
0
Flag for Abuse|
Guest
guest avatar
Posted on: March 4, 2014 at 8:34 PM
Spot up for this write, I honestly believe this fabulous website wants much more consideration. Thanks for your information
friv 2 | friv 4
0
Flag for Abuse|
Guest
guest avatar
Posted on: March 30, 2014 at 6:28 AM
Guest
guest avatar
Posted on: March 31, 2014 at 3:32 AM
I am sure that making sure that you car insurance is still valid, is the best thing to do. - Feed the Children Reviews
0
Flag for Abuse|
Guest
guest avatar
Posted on: April 4, 2014 at 3:43 AM
Guest
guest avatar
Posted on: April 5, 2014 at 2:30 PM
0
Flag for Abuse|
Guest
guest avatar
Posted on: April 11, 2014 at 1:33 PM
Guest
guest avatar
Posted on: April 13, 2014 at 7:15 AM
Guest
guest avatar
Posted on: April 13, 2014 at 2:45 PM
Dapatkan Produk Obat Herbal Indonesia yang sudah bersertifikat BPOM. Obat Herbal Asam urat, jantung, darah tinggi, diabates, kanker rahim, kanker serviks. Obat Herbal Alami Habbatussauda merupakan bahan obat alami yang sangat hebat. Beberapa khasiat yang utama dari habbatussauda yakni diantaranya adalah menguatkan sistem kekebalan tubuh, meningkatkan daya ingat dan konsentrasi, meningkatkan bioaktifika hormon, mengatasi gangguan tidur dan stress, memperbaiki saluran pencernaan, anti bakteri, melancarkan air susu ibu bagi yang menyusui, anti tumor, dan nutrisi yang luar biasa bagi otak manusia.
Obat Herbal Asam Urat Manjur | Obat Herbal Darah Tinggi Terbukti | Obat Herbal Diabetes | Obat Pelangsing Herbal Alami Tradisional | Obat Herbal Kanker Serviks | Obat Herbal Jantung dan Stroke | Obat Herbal Magg dan Gangguan Pencernaan | Obat Herbal Kolesterol | Obat Herbal Kanker Rahim | Obat Herbal Penambah Berat Badan
0
Flag for Abuse|
Guest
guest avatar
Posted on: April 15, 2014 at 3:03 PM
0
Flag for Abuse|
Guest
guest avatar
Posted on: April 28, 2014 at 8:25 PM
Guest
guest avatar
Posted on: May 14, 2014 at 2:29 AM
hai, this my review insurance health Unit Link Terbaik di Indonesia Commonwealth Life Investra Link thanks
0
Flag for Abuse|
Guest
guest avatar
Posted on: June 17, 2014 at 7:52 PM
Thanks you for share this information. Very good. Friv | Friv 1 | Friv 3
0
Flag for Abuse|
Guest
guest avatar
Posted on: June 26, 2014 at 1:48 AM
0
Flag for Abuse|

Add Comment

Guest
Bold Italics Underline Add Link Add Image Quote Embed Video 
Verify you are a human:

Signup or Login to remove this captcha.
Add Comment