Auto Insurance Articles Archive for 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

• The Benefits of Group Auto Insurance

  by Ricky Lawrence

  With the number of car thefts, vandalism cases, and road accidents increasing everyday, it is a wise decision to insure your car. Today, many companies own cars for official business purposes and buy group health insurance. Owning many cars means you have take care of each vehicle, which only Superman can do. This has prompted insurance providers to come up with a way to handle vehicles efficiently: group auto insurance plans. When applying for group car insurance, it means that … (more) September 14, 2009

• Teen Auto Insurance, How to Get it Cheap

  by Ricky Lawrence

  A need for teen auto insurance becomes imminent the moment your child asks for the car keys, or worse for his own car. Aside from worrying about safety, costs of an insurance policy become a budget issue too. Rates for teen auto insurance are considerably higher than the rest because young drivers are considered high-risk when driving on the road.  Most tend to drive recklessly because of this newfound freedom that they think comes along with permission to go behind … (more) September 14, 2009

• What Is a Non Owners Auto Insurance Policy?

  by Ricky Lawrence

  With the current oil price hike happening, many people are trying to cut down their costs by driving less often, carpooling, taking the subway or other public transportation.  Some people even give up their owned cars completely and choose to borrow or rent a car once in a while. For instance, if you are planning to go on vacation with your family, you may rent a car instead.  Consequently, since you will be driving a rented car, you will need … (more) September 14, 2009

• Using Free Auto Insurance Quotes to your Advantage

  by Ricky Lawrence

  Before the advent of the internet age, car owners looking for insurance had to visit each and every provider in town. They also had to deal with insurance agents and brokers who were after their share of the policyholders’ money. Finding the best auto insurance coverage back then was more of a chore that reluctant motorists were unwilling to do. It involved a lot of driving, negotiating, and of course, haggling. The traditional method of finding car insurance also meant … (more) September 14, 2009