Auto Insurance Articles Archive for September, 2009

• Why Choose Modified Car Insurance?

  by Ricky Lawrence

  Every male American has dreams of zipping along on open highways with hundreds of horses galloping under the hood of their muscle cars. It is often the ultimate fantasy – being in control of a growling, powerful car. Unfortunately, dreams always come with a price. Not all fantasies are free. On the contrary, they are often quite expensive. Car owners know that if they have high performance stock cars, they will end up paying hundreds of dollars more for insurance … (more) September 16, 2009

• Why Get a Non-Owners Auto Insurance Quote

  by Ricky Lawrence

  Car owners are not the only ones required to buy a surety policy for their vehicles. Even those who merely borrow automobiles need to insure against huge expenses that may arise from damages to third parties, or to their properties, resulting from the use of a car. People who are especially advised to get surety coverage for their cars, besides the owners, include those who constantly depend on rented vehicles and those who are members of automobile-sharing clubs. There are … (more) September 16, 2009

• Cheaper Car Insurance for Women

  by Ricky Lawrence

  Without being sexist, car insurance for women is offered cheaper than the regular car insurance. Men will have to contend with this, but insurers base this on information available. Studies have shown that women are low-risk drivers, thus the lower rates in premiums. This is not a bias, just plain fact. It has been noted that most women are more responsible behind the wheel than men. They drive more carefully, keeping within speed limits and following road rules all the … (more) September 15, 2009

• Affordable Student Car Insurance

  by Ricky Lawrence

  Those who attend the university and drive their own cars are relatively considered high-risk by insurance companies. The reason is because of their age and the fact that they have slim and limited driving experience. Young age is considered risky because based on records; new drivers tend to become reckless and are more prone to accidents. However, it is still possible to find an affordable student car insurance. There are ways in acquiring a student car insurance that you can … (more) September 15, 2009

• Do You Need High Risk Auto Insurance?

  by Ricky Lawrence

  High risk auto insurance is an insurance policy for drivers considered as “high risk.” While many drivers have near perfect driving records, others falter in this area. Thus, how do you know if you are high risk driver? The following is a list of some factors that can make you receive a high-risk profile: Age is one of the major factors. Newly-licensed or young drivers pay more for insurance. The same thing goes for the elderly drivers. They are considered … (more) September 15, 2009

• Where to Find a Cheap High Risk Auto Insurance

  by Ricky Lawrence

  If you have had issues with driving in the past or have committed traffic violations, then insurance companies will consider you as a high-risk vehicle driver.  Consequently, the rates and cost of your insurance policy is more likely to be higher than the regular coverage. Teen-agers and older people are often classified as high-risk drivers as well.  Younger people are more prone to committing deliberate violations and are more often involved in road accidents.  On the other hand, older drivers … (more) September 15, 2009

• When to Tap High-Risk Auto Insurance Companies

  by Ricky Lawrence

  There are people who are considered by surety firms as more prone to accidents than the average clients. Usually this list includes people who are first-time drivers, those who are in their teens or early twenties, and senior citizens. Individuals perceived by insurers as prone to vehicular mishaps are naturally charged a higher premium than others. This is because insurers take into account the amount of exposure to risks in determining the cost of surety coverage. People who are more … (more) September 15, 2009

• Options for Cheap Student Car Insurance

  by Ricky Lawrence

  Understandably, a student who owns a car and gets to drive the vehicle to university will feel proud and mighty. It is because not everyone is given the same opportunity. This kind of opportunity comes with being responsible, of course, and having a car entails being equipped with reliable student car insurance. This should be considered important, especially since insurance companies have higher rates for students. It is quite ironic to charge more to someone who barely earns his own … (more) September 14, 2009