Best Car Insurance Rates

It is required by state law for drivers to buy and carry proof of car insurance, and each state has its own minimum car insurance. Beyond that, not having car insurance is extremely irresponsible and dangerous behavior for the driver and those who share the road with them. However, for some drivers, low cost car insurance is the only way they can afford to be insured, which is why it is important to learn how to get cheap car insurance.

Your Job Matters – Occupation

Although it is a controversial way to profile customers, occupations designated as “safe” can in turn denote a “safer” individual and get you better car insurance rates. White-collar workers, doctors, teachers, engineers, nurses, lawyers, consultants, and other careers that require higher levels of education and more conservative lifestyles will normally get cheaper car insurance rates.

Discounts via Association

Membership with AAA, the AARP, or other such member-benefit associations frequently offers discounts on auto and other forms of insurance. Also, check with any professional organizations, unions, credit unions, and other bodies you belong to for the same types of benefits. Groups are able to pool their numbers and spread out and lower risk, making car insurance costs cheaper for everyone.

Use Your Health Insurance

If you carry medical payment coverage as a rider on comprehensive car insurance, it might be possible to drop the medical payments coverage and rely solely on your health plan. If you are injured in an accident, your health insurance company will usually cover all medical costs and bills. Medical payments coverage could be eliminated without any real loss of protection and could get you cheaper premiums.

Defensive Driving – Education

An applicant’s driving record is a big factor when the car insurance company is determining their policy rates. However, even someone with a good history can get discounts taking driving safety and defensive driving courses.

These courses are offered by insurance companies as well as civic groups, private organizations, and DMVs in your state. The classes are not expensive, only take a few weeks to complete and can get you cheap car insurance as well as teach better driving skills and habits.

Good Grades and Students, Lower Rates

If there are teenagers who drive on a combined insurance policy, their driving performance will affect your quotes. This can work in their favor; for instance, if the young driver or student earns good grades in school, they can earn a discount called a “Good Student Discount” or “Good Grades Discount”, which is shared by all the other insured individuals on the policy.

The car insurance company feels that a teen who is showing responsibility in their schoolwork can be responsible in other ways and will reward this behavior. Car insurance for teenagers will be 5 to 15% cheaper using these discounts, and can start saving families money on their rates instantly.

Low-Mileage Discounts

The more someone drives a vehicle and is out on the road, the more chances they have of getting into an accident or receiving a traffic ticket. Companies offer cheaper car insurance quotes to policyholders who drive less.

If someone can prove they drive less than 7500 miles per year, they will get a significant rate discount. Some companies are even offering mileage-based plans, which is a new kind of insurance product. It can be less expensive for individuals whose habits suit the requirements.

Get Rid of Roadside Assistance

Although very useful, roadside assistance riders on an auto policy will drive up the premium price. It is almost certain that for the same price or less, the person could join AAA or other motoring clubs, while lowering their rates at the same time. Additional discounts can be obtained by being a member in these types of groups as well.

Think Long-Term

Just like you will pay less for buying items in bulk, policies bought for longer increments of time are less expensive. Drivers can get the cheapest car insurance by having a long-term policy. A term of 12 months or more will stretch out premiums and take advantage of long-term discounts. Carriers consider this customer loyalty, and also charge lower finance fees, providing even lower prices.

Pay In Advance – Payment Options

Instead of making a monthly premium payment, you may consider paying for the entire policy up front instead. This will frequently earn lower rates because carriers charge slightly higher rates on installment policies with finance charges due to the risk of payment default. Speak directly to the insurance agent about payment options to see if you can save money.

Keep Your Credit History Clean – Credit Scores

Car insurance companies check an applicant’s consumer credit report when they process their application, and people with lower credit scores pay more. You are judged as being financially irresponsible because you have a poor credit history, and thus, your credit may affect your car insurance.

Drivers with bad credit should strive to improve their score to demonstrate their reliability and responsibility. You’re your credit has improved, you may ask for a review when it is time for the policy to be renewed. A good credit score will help you get cheap car insurance and save about 5 to 10% on rates.

Bundle Your Policies

Most of the best companies offer several kinds of insurance, and carriers universally offer “bundling” discounts. If you have health, life, homeowner’s and car insurance from one company, your carrier will lower your premiums on all the policies you buy from them. This does save money, as well as decreases the hassle and paperwork you have to deal with.

Collision Car Insurance

Older, cheaper cars qualify for more affordable online quotes because they generally have low replacement values and cost less to repair. Collision insurance on inexpensive cars is not usually advisable as it is not cost-effective since collision coverage can end up costing as much as the vehicle itself.

Dropping collision coverage altogether can lower premiums. An alternative would be to raise the deductible, but if the vehicle is severely damaged or totaled, it is more cost-effective to spend the deductible on purchasing a new car instead.

Quotes Before Buying A Car

If you are in the market for a new car, always get a quote before buying. Insurance companies consider the make, model and all safety and performance issues in a car, not its appearance. A sports car or luxury vehicle with high theft ratings or an SUV with bad safety reports will be more expensive to insure.

Choosing a safe and reliable car that will meet the driver’s actual needs will get you cheap car insurance, a smart decision at a time when the economy is still recovering and managing your budget is essential.

Use A Credit Card

Since car insurance is a monthly cost for most people, you can plan ahead for how to budget your premiums. One way to maximize the value of the money you are paying is to make those payments earn something in return.

If you have a credit card with multi-purpose reward points, like American Express, Visa, Mastercard, Discover, or Chase cards, you can pay the monthly or annual premium with the card and get a discount through your credit card company. This will earn useful points, like airline miles, and improve your credit.

How A DUI Affects Your Car Insurance

Not that long ago, local and state authorities looked at driving under the influence of alcohol as a minor violation that warranted nothing more than a stern warning and a promise to never do it again. This practice did nothing more than encourage drunk drivers to continue their reckless practices without the threat of jail time, a DUI conviction on their record, or even having their driver licenses revoked.

However, in recent years, Mothers Against Drunk Driving (MADD) began to publicly voice their concerns about drunk driving. Slowly but surely, state and federal laws were enacted to stop drunk driving. Although drunk driving is still a common occurrence, it no longer goes unnoticed and is punishable with the loss of your driving privileges – and your freedom. If you’ve been caught drinking and driving, you’ve probably paid your debt to society and wonder exactly what auto insurance implications of your DUI conviction you have yet to face.

How Insurance Companies View Your DUI Conviction

Car insurance companies view drivers convicted of driving under the influence as high-risk policy holders, and with good reason. According to MADD, 30 percent of all weekday fatal car crashes are related to drinking and driving; and 51 percent of all fatal weekend automobile accidents are alcohol-related. Therefore, when you drink and drive, you risk putting yourself in the highest category of at-risk drivers, and losing a chance at affordable car insurance for 7 years and beyond.

Because insurance companies immediately impose higher premiums on drivers with DUI convictions, many people who get caught drinking and driving simply stop paying their bill. Additionally, carriers have the legal right to cancel your policy as soon as they are notified by the Department of Motor Vehicles (DMV) that you’ve been caught drinking and driving.

In fact, many states have granted police officers the authority to suspend or cancel a drunk driver’s license immediately following an accident. Although these situations are bleak in terms of getting you back and forth to work, there is something you can do to get back on the road after your DUI conviction.

An SR-22 Helps Can Help

An SR-22 is a two-fold form that helps you get back behind the wheel after you have been caught drinking and driving. Not that I condone drinking and driving and want to help offenders get around the laws, but people do make mistakes and should be able to continue with their lives to provide for their families. Just remember, you need to be extra careful with your driving habits and make responsible decisions going forward. A second DUI could result in jail time, or worse, someone’s death, including your own.

First, the SR-22 ensures that you maintain state-mandated auto coverage because once you receive it from your insurance company, you must present it to the DMV to get your driver’s license back. For the duration of your SR-22 filing period, generally 1 to 3 years, your car insurance company is legally bound to notify the DMV if it cancels your coverage for any reason. Then, the DMV can automatically revoke your license for the cancellation.

Second, the SR-22 makes it impossible for you to get out of another DUI conviction without your insurance company finding out about the offense. This practice is in place to deter you from considering drunk driving ever again. Although it might seem harsh, SR-22 filings are aimed to keep you from drinking and driving for your own safety and for the safety of all others on the road.

What To Do If Your Insurance Company Cancels Your Coverage

You now know that your insurance company can cancel your policy after you are convicted of driving under the influence of alcohol or drugs. Some states legally allow carriers to cancel your policy in the middle of coverage that you have already paid for, while other states make insurance companies issue you a formal notice of non-renewal when your current policy expires, if that particular provider does not offer SR-22 policies.

Don’t Let Your DUI Stop You From Driving

If you have a problem with alcohol, then get the help you need to stay sober. It’s perfectly respectable to admit mistakes in life, learn from them and move on to become a better person. The first step to moving on and earning the respect of others is to find an insurer that will issue you a SR-22 insurance policy at a affordable rate, allowing drivers to continue working every day and practice making good decisions. Luckily, you do not have to look very far to find a forgiving car insurance company that will equip you with the SR-22 you need to show the DMV that you are serious about never driving drunk again.

Many of these insurance providers can be found online, and even offer free quotes to potential clients. You simply input your zip code, some basic personal contact information, DUI conviction date and vehicle make, model and year to get started. It is especially important that consumers with a DUI compare rates and premiums to find affordable coverage because no one is going to offer the best deal to a driver recently charged with a DUI. You will certainly need to shop around and compare coverage and companies. Good luck!

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