Category Archives: Car Insurance

Car Insurance Quotes Comparison

We all know that shopping around saves money, but a car insurance quotes comparison can be tricky. The key is to understand the different options and what they mean for you.

Car insurance rates are based on certain factors, such as the type of car you drive, how old your car is, how old you are, your driving record, how much you drive your car and where you park your car at night. Make sure when you give this information to an agent or request an online rate quote, you give the same information to everyone. That way youll be able to do your car insurance quotes comparison accurately.

With liability coverage, the insurance company basically pays for damages if the accident was your fault. Your collision insurance pays for repairs to your car if it collides with something else, no matter whose fault the collision was. Most people get both kinds of coverage, so when you are getting a quote, ask for both.

While you are at it, ask for quotes with different deductibles. The deductible amount is how much money you will have to pay before the insurance pays anything. If you are in an accident and have a $1000 deductible, then youll have to pay up to $1000. If your deductible is $250, youll only have to pay that much before the insurance begins to pay. However, the premiums for the $250 deductible insurance will be much higher than for the $1000 insurance. So when you are doing your car insurance quotes comparison, dont limit yourself to one option per company. Look at several options within each company to give yourself the most choices.

Many policies will pay you a lump sum if you are in an accident and they decide the car is not worth repairing. This is also what is known as totaling the car. If this happens, the insurance company will offer you a certain amount of money to buy a new car. Generally, they offer you what your car was worth, not what it will cost to buy a new car of similar value. If you want them to pay you to get a new car, then when you buy your insurance, you need to choose the replacement value option.

Check insurance ratings services like A M Best to make sure the insurance companies you are looking at are stable and deal fairly with customers. If a company with a lower rating is offering you a much cheaper rate for basically the same insurance, be careful. They might just be trying to get customers, but there also might be something wrong with the deal that you will be sorry for later.

Also, sometimes its helpful to deal with a local agent. Once you have some quotes in hand and have checked out some companies, a local agent may have some suggestions for you that may help you reduce your premiums. An agent can also explain anything that is unclear for you.

A car insurance quotes comparison is the best way to make sure you buy the right car insurance for you: a policy that provides the coverage you need at a price you can afford from a reputable stable company. There are many websites that can provide free car insurance quotes comparison, so it wont take too much of your time to get the information you need to make a good decision.

Car Insurance Estimator – One Tool That Will Save You Hundreds on Car Insurance

Whether you are looking for car insurance for the first time, or you have had your plan for awhile and are looking for a better deal, it is always a good idea to shop around. Every car insurance company has different rates for different types of drivers. When applying for auto insurance, you will be asked several questions that will help determine what your monthly rate will be. A car insurance estimator will allow you to answer a few questions in order to determine how much or how little of a liability you are.

Two question a car insurance estimator will ask you are age and gender. A younger driver would be given a higher quote than someone who has been driving a few years, simply based on experience on the road. Rates also tend to depend on if you are male or female. Young males tend to have higher premiums than young females, but as they age, this often changes. This just has to do with statistic that insurance companies have on accidents.

A car insurance estimator will also ask what kind of car you drive and where you live. If you drive a sports car that reaches high speeds, you will receive a higher estimate than someone who drives a sedan because the insurance company will assume that you like speed and bought the car for that reason. As for where you live, crime rate in your city may affect your premium because it will determine the chances of your care being broken into, vandalized or stolen.

Other factors will most likely include your driving record to see how many accidents you have been in; if you currently have insurance to see if another company is willing to take a risk on you; and if your car has safety features such as anti-lock brakes and air bags. The insurance company will look at the whole picture, not just a part.

You can find a car insurance estimators at many insurance comparison sites over the web.

California Auto Insurance!

Understanding Auto Insurance requirements in California
Every driver in the state of California on the road must obtain and maintain a minimum level of liability auto insurance when they drive, to protect themselves and other drivers against potential damage. However, most California drivers carry more than the minimum financial requirement.

California Auto Insurance Minimum Requirements
The three primary areas that you can select auto insurance coverage for include:
‘Bodily injury coverage- The total financial amount available to cover bodily damage resulting from an accident for any parties within the vehicle.
‘Bodily injury coverage per accident- The total financial amount available to cover bodily damage per accident.
‘Total property damage
Three Components of Auto Insurance
When you start looking for auto insurance coverage in California, review the available options within the following categories:

‘ Medical Coverage- In the event of an accident, this auto insurance covers any associated medical costs associated with lost wages, funeral costs, medical care required as a result of the accident or rehabilitation.
‘ Liability Coverage- This coverage pays for the costs associated with other drivers involved in the accident.
‘ Property Coverage- If there is automobile damage which results from the accident, this portion of the auto insurance coverage will cover all or a portion of the costs.

The amount of coverage you select within each of these three areas will determine your monthly or annual premium amount; the more coverage you select, the greater your California auto insurance rate will be.

Other California Auto Insurance Options
In addition to the three basic auto insurance options, there are several other additional features which can be added to your policy. Some of these options include:

‘ Uninsured Motorists Coverage- This type of coverage offer financial protection in the event that the other motorist involved in an accident does not have liability coverage. Determine if this option is available in your state if the geographic region has a high percentage of uninsured drivers.
‘ Rental Car Coverage- This added benefit provides capital for a rental car while your vehicle is being repaired after an accident, and typically costs between $5-15 extra per month depending upon the auto insurance company.
‘ Towing Coverage- Following an accident, this auto insurance feature will cover the cost of towing your vehicle.
Consider your financial needs and your desired coverage amounts along with your monthly household budget when determining which features and benefits you add to your auto insurance policy.

What Increases my California Auto Insurance Premiums?
Some of the factors that affect your auto insurance rate include:
‘The total annual deductible that you choose
‘Your age at the time your auto insurance policy is issued
‘The age of any other drivers you add to your policy- spouse, children
‘ The type of automobile you drive and insure
‘ Whether you add multiple vehicles to your policy or just one
‘ The driving record of any driver added to your auto insurance policy
‘ The personal credit rating of the primary insured party
‘ The basic overhead of the auto insurance company offering the quotes
Before you select your California auto insurance coverage and company, be sure to collect several quotes so that you can ensure that you are gaining the best coverage possible given your personal budget.

Buy Car Insurance For A Week At An Affordable Premium To Drive Legally On Road

People who drive cars occasionally or as and when they need, can buy car insurance for a week to drive legally on road. The premiums offered for such policies are reasonably low and coverage levels are adequate. The rush for such short term covers are growing day by day & increasing competition among insurers enables getting some amazing deals. Therefore, if you are looking for car coverage of this type, it could be your best chance to secure a solution that easily fits your needs and budget. You can go online and explore your options by taking advantage of cost-free specialist services.

Buying car insurance for one week could be a viable proposition if you are non-owner car driver or get cars on lease frequently to go out for work. Besides, you may also need to get or borrow a car if you are planning to shift to a new residence and you want to move your belongings. Many drivers get cars on lease and rental car owners may not have sufficient coverage to include client drivers. Such category of individuals can purchase car cover for a week’s time for whatever purpose they might want to hire a vehicle. But as it is a temporary coverage, discounts may not be available.

However, lower premium on car insurance for 1 week can be secured if you have a good past driving record and credit history. Most of the insurers will consider these two vital factors for calculating premium. And the key for dinging the lowest and best premium rate is comparison shopping. By getting and comparing multiple free non-binding quotes from several different insurers, you could be able to identify the right type of insurer for your specific situation. Nevertheless, the task may be rigorous as well as time consuming and so, it is advisable to seek help from a certified local agent.

Hence, the moment you think, Can you get car insurance for a week it could be better if you consult a certified and experienced agent in your neighborhood. There are websites that can help you in fixing free appointments with competent agents or broker services for free. You can use the services offered by these online sites and get enabled to make an informed decision on your auto insurance purchase. Such a prerogative may also help you in saving time and money during your effort. But you need to make sure that you have found a reliable and reputed website to work with.

This is the best way to get your car protected for a shorter period. A weekly auto insurance offers you benefits of making a plan or a short vacation for a week or 7 days. So, for those seven days, your car will be safe and secure because of this auto insurance policy. There are many insurers who provide such kinds of insurance coverage. You just need to find online to get the best possible rates for your policy. You can compare online and choose the best deal according to your needs.

Best Car Insurance -Viking Car Insurance

Insuring your expensive car is as important as your driving license. In fact, it becomes mandatory in several states of United States of America to insure yourself and your vehicle as well. It is implemented solely for the protection of drivers on the road which may put themselves at physical and financial risk. Therefore, you can easily find some of the best car insurance companies in United States of America and United Kingdom. Some of these enterprises are Viking Auto Insurance, Esurance, Unitrin Insurance, Liberty Mutual Insurance and much more.

1.Key Areas Covered by Car Insurance Company:

To ensure peace of mind during driving, a car insurance company usually covers following main areas:

I.Liability coverage:

When you insure your car with any car insurance company, you do not need to bother about the collision with the vehicle of the third party. Car insurance company will take care of it. Mostly, the insurance company covers the expenses of damages done to the third party including bodily injured or property damage. You do not need to bear the legal responsibility of it.

II.Your property:

Car insurance company covers you if any damage happens to your vehicle or in the case of theft of car or snatching of the car.

III.Your medical expenses:

In any unfortunate circumstances like in an accident, car insurance company covers your medical bills, lost wages or funeral expenses if needed. Moreover, the company also covers you to rehabilitate.

2.Factors Affecting the Rates of Car Insurance:

Although the importance of car insurance cannot be overstated or ignored, several factors affect the rates of car insurance as it is equally important to get an appropriate auto insurance in the end.

I.Premium:

Premium is highly important to set the coverage limits. Higher premium will result in higher coverage from the insurance company. Viking Insurance offers secure premium plans for its policyholders and ensures maximum coverage as well. Moreover, you can compare the rates of car insurance companies by yourself by using website that offers car insurance comparisons.

II.Age, gender, and marital status:

All these three factors highly affect the rates of car insurance. For instance, if you are a young and single male driver then you may have to pay higher rates. However, in the case of a middle aged female driver, the rates might be lower comparatively.

III.Driving skills:

The rates of car insurance are directly linked to your driving skills. If you are a skilled driver, tie seat belt while driving, have the driving license and proper driving certification and take other security measures then it is understood that car insurance company will give you the policy at the lower rates. However, if you fall into the category of high-risk drivers, the insurance company will charge you higher as you are more likely to have an accident due to unskilled driving or careless attitude.

IV.Location:

The location also plays a vital role when we talk about car insurance rates. Drivers living in urban areas have to pay higher than those of living in the countryside. Moreover, if you are residing in the area which is known for crimes or accidents, you are more likely to pay higher rates as you are more prone to the theft of the car or have an accident.

V.Insurance of family members:

If you are willing to take car insurance for your family members, then it will affect your car insurance rates as well. If you have teenagers in your family and want to take their insurance, you will have to pay higher rates. However, it can be cheaper if teenage drivers have separate policies in their names.

VI.Profession:

Certain car insurance companies of United States of America offer special discounts for students with brilliant academic records, or if you as a student live in another city away from your home, then you may also get a good discount. Moreover, if you belong to any health-related profession like nurse or doctor, then you are more likely to have a good discount from car insurance companies.

VII.Security measures:

Certain security measures that you take for your car significantly influence rates of car insurance. If you have the tracking system in your car or car alarms, you are more likely to pay lower rates for insurance of your expensive car comparatively.

3.Qualities of Good Car Insurance Companies:

Best car insurance companies are known for some of the following features:

I.They do not overcharge:

First and foremost quality of any car insurance company that they do not overcharge their policyholders. A good car insurance company take all relevant details and take account of factors as mentioned earlier by an enormous responsibility and then calculate the rates carefully. The correct calculation helps you to pay the right required amount and not even a penny extra. Viking insurance is the best example of it.

II.They provide best customer service:

Viking insurance may be one of the best available options among other car insurance companies. Besides easy payment plans, Viking Insurance has separate customer service departments in every state as it is providing its services in 27 states. Thus, therefore, you do not need to be worried about time zones in different areas. Moreover, choosing insurance agent in Viking Insurance depends on the capability of the agent to provide mental satisfaction and to update the terms of the client.

III.Claiming process is quite easy and convenient:

Good insurance companies offer easy access to apply for the coverage from the policyholder. Here, Viking insurance comes in the picture that provides 24/7 availability to their customers to claim coverage as per convenience. Good companies also provide roadside assistance to their clients.

IV.Bonus in the case of no claims:

Certain good car insurance companies are known for its bonus giving feature to their policyholders. Do check for the option and if it is available then go for it. With each claim-free year, bonus discount keeps on increasing.

4.The Importance of Car Insurance:

Besides protection against liability coverage, legal protection is another reason to insure your car. Legal requirements after an accident are not easy to bear by the way. To prevent the cancellation of your driving license or other legalities, having car insurance will help you to cover.

5.Precautions to be Followed before Buying Car Insurance:

Do follow following tips, tricks, and precautions to avoid any financial or other loses. Some of these are:

Check the reliability of the insurance company. Always buy policy directly from car insurance company and if needed to buy from insurance agent then counter check it from the company’s customer service department.

Always ask for receipt when you are going to pay premium.

Go through all the terms and conditions and ask question if it still feels confusing.

Always try to go for annual payments rather than monthly installments. The annual payment method is more economical.

Counter check the details of deductibles to ensure it that it is what you have chosen.

6.Final Words:

To spend more than what is required for car insurance is like to throw away your hard earned money in the wind. Thus, therefore, consider all the factors and conditions mentioned above to have the cheaper and reliable car insurance for yourself. Moreover, it is equally important to take security measures before buying car insurance and Viking Insurance beats the rest. Following all these above mentioned guidelines will provide you peace of mind at the end of the day.

Benefits of Online Auto Insurance Quotes

Nowadays, getting auto insurance quotes online is the highly recommended way for your car insurance coverage, as doing things online is always easy, quick, and simple. Gone are the days when people would search the yellow pages and telephone directories for hours to find the details of a suitable car insurance company. Today, with the advent of the Internet, you can get an automobile insurance quote within seconds.

Advantages Of Online Quotes Auto Insurance

You get 24 x 7 online service for getting the best quotes insurance. They are available on the Internet, even if you search for them at odd hours. Due to fiery competition among online car insurance companies, many of them offer you free quotes at any time of the day.

You can save the time and money that would otherwise be spent on searching good automobile insurance companies and visiting them to get quotes. If you have an internet connection, then it is possible to get several competitive quotes within the confines of your home or office.

People find it easy to decide the best coverage offered by a company by surfing several company websites for choosing the one that better suits their needs. They also get access to thousands of customer opinions.

When you call an insurance agent for getting a quote, you may end up saying something wrong that affects your insurance quote. This never happens online, as you can take your own time to fill out the form.

It is possible to compare auto insurance on the Internet. Quote comparison is considered the best way of getting the right and the best insurance policy. When you properly use the quote comparison, you can take full advantage of the chosen coverage and pay lower price for the insurance. In short, comparison is for getting the best coverage at an affordable price.

Step-By-Step Guide To Get Online Insurance Quotes Auto

If you are familiar with the quotes of auto insurance and how to get them online, then it is easy for you to get the best quote within a few hours of browsing. Here is some basic information about getting a car insurance quote online.

1. Using a search engine, find a company located in your area, offering you the type of insurance coverage you are looking for.

2. Visit each site and check out the coverage offered. You need to fill out some basic information, such as name, contact number, e-mail, and home address. The questionnaire also asks you for the model name and manufactured year of the car you own and the number of people you want to be insured.

3. Make sure to select all the security and safety information of the car from the drop down menu in the form. Also provide the requested information about your employment and housing status.

4. Some companies may ask you about the details of criminal offenses, traffic violations, or convictions filed against you, if any. This is probably the last step of the simple process.

5. Once you click submit, you will get an estimated car insurance quote.

Getting an auto insurance quote has become a very simple process, with the availability of free quotes offered by online car insurance companies. Getting quotes on the internet has several advantages over the traditional way of getting quotes. Make use of the quote comparison facility to choose the best insurance coverage.

Benefits Of Multi Car Insurance Plans

In the UK at least, the cost of car insurance has risen steadily and substantially over the last few years. Most people know about ways to save money such as through your no claims bonus, but you may not know that there is another way to save if you own more than one car that needs to be insured. Multi car insurance plans can be a way to bring down your premium costs when several vehicles are at the same address. When you have more than one policy you could well be spending more money on car insurance than you need to. Individual policies very often cost more than having all of your cars on one policy. It is easier to have one policy with several cars on it. Instead of having several policies to keep track of you will only have one.

A multiple vehicle insurance plan is a single policy that covers all of your vehicles, or all vehicles at one address, even with different drivers. When you have a single policy and multiple cars you should be able to save money. Insurance companies have a lower overhead and admin cost when several vehicles are combined on one policy, so they can pass savings on to you. As with standard policies, you can get multi car insurance in either fully comprehensive or third party policies. That means you get as much protection as you want on all of your cars. You can find multiple car insurance online or offline but usually you will find better prices for it online. Again, this is usually because the costs of selling online are lower for the insurer, so they can pass the savings on in cheaper policy costs.

How much protection do you want on your cars? Comprehensive is the best cover you can buy, but it is quite a bit more expensive. It will cover damages to the other driver and your vehicle as well. That means you do not have to worry about expensive repair bills to get your car repaired. As you know getting work done on your car costs a lot of money. That is why many people choose comprehensive. That way they know they will be able to get their car fixed. Third party will pay for the other driver’s injuries and repairs to their car but it pays nothing for your car. It is much cheaper than comprehensive. You will not have to worry about paying for the other driver but you will have to repair your own vehicle yourself.

It is best to compare car insurance and to do that you can use the internet. There are even websites that will compare for you and show you the best prices. While comparing you will want to check prices on individual policies as well as multiple vehicle plans to make sure you are indeed going to save money. There are still some occasions when it is cheaper to buy individual, so do not rule this option out.

One thing for sure is that the multi car option is easier on you to manage. Instead of having several policies that you have to keep track of there will be only one. When you have all of your cars on one policy, you will have to come up with a lot of money at one time. You can get your payments set up monthly to make it easier to pay. When you have multi car insurance there is only one due date. With individual policies you will have several that will have to be paid at different times of the year. It is easy to lose track of individual due dates, which makes the multiple car option easier.

Benefits of Auto Insurance Quotes

Auto insurance quotes are a smart way to achieve the rate you’ve been waiting for, as, auto insurance is a very competitive market. This is due to the diversity in automobiles purchased where make, model and other various factors determine your premium rate. They are easy to secure nowadays. All you have to do is to get online and fill-out quote requests. They are not all created equal. They don’t all contain the same types of coverage, and the rates for coverage can be as different as night and day.

They are great tools that can save you from spending too much on insurance coverage, and best of all, they are free. They are not unlike many other products for which you shop online. You truly need to shop around for them. They are made available to consumers by the companies and agencies. If you are seeking the lowest possible insurance rates, you need to start with the lowest possible quotes.

They are not unlike many other products for which you shop online. Later on you will learn about a procedure that ensures that you succeed in that. They are something that each and every person must look for before going out to buy an auto insurance policy. In older time people have to go to agents and brokers of all the different insurance firms, companies, agencies and providers to collect the quotes of various different auto insurance policies. They are really helpful for people that are new to this arena. Well, while going for free auto insurance quote the concerned insurance agency may ask you for few things.

Cheap car insurance for young people can be a scary idea, since buying auto insurance can be a big and daunting task in general. It can seem like something that is a lot harder than it actually is. Cheap auto insurance quotes are as important as insurance policy for the car. But if one doesn’t have enough knowledge about buying cheap about insurance, sometimes it will cost a lot to the consumer. Some websites can show you the different rates offered by the top companies in your particular state. You might be surprised at how many different auto insurance companies exist and how much their rates can vary.

Car insurance cost is based, among other things, on what your car is worth and what the repair costs will add up to. Low cost auto insurance companies maintain a list of the most frequently stolen cars. Car insurance is mandatory, but you don’t have to get ripped off. You can save a lot of money on auto insurance, but it will take a little bit of work. Car insurance, just comparison shop, and check your price every year.

Car insurance is one of the most important things required after purchasing a car. Although there are a variety of such insurance providers available, the main difficulty is in actually visiting each of them, collecting brochures and then deciding on the one which is best suited for you. Car rental insurance is something few people think about getting. Understanding car rental insurance is important so that you will not waste money buying coverage you do not need.

Companies look for total mileage before providing you with the final quote. You can get premium benefits on these types of policies. Companies look at how likely are you to make a claim and what could be the size of that claim. Since you have some control over both factors, you can affect the rates you pay.

State Auto Insurance Online can show you the different rates offered by the top companies in your particular state. You might be surprised at how many different auto insurance companies exist and how much their rates can vary. Online auto insurance quotes are a great way to get cheap car insurance without leaving the comfort of your home. You simply fill out and submit the form, and within no time at all you will start receiving online auto insurance quotes that can help you save big.

Online you can actually get enough information to enable you know exactly what you are likely to spend. Visit quotes comparison sites online and get quotes from several insurance companies.

Compare internet auto insurance quotes to find the company that will be friendliest to a driver like you! One driver may get a great discount for having a clean driving history, while another may benefit from having a good credit report. Compare each insurer’s rates, features and coverage to get the best car insurance policy for your needs.

Asking for insurance quotes is the first action you should take if you want to get a good plan at the best rate possible. Years ago it was a hard and time consuming task, contacting by phone with dozens of insurance companies or agents to get several quotes to compare with.

Check online and make sure you understand how much coverage you should carry on your vehicle based on age, wear and tear, etc. You want to get value for your money. Checking out the financial strength of an auto insurance company is necessary before you start paying them your hard-earned dollars.

Thank you for taking your time to read this article. Information shared here does not constitute financial, legal, or other professional advice. This article is intended to provide general information only and does not give advice which relates to your individual circumstances. Gurmit is an insurance and mortgage expert.

Age Matters to Car Insurance Companies

What is the reason for this? Car insurance companies believe that there drivers belonging to a particular age group are better risk drivers than the rest. Following this line of thought, companies believe that teenagers or young adults are bad risk drivers. The same is true for the age group at the extreme opposite end of the spectrum – the seniors. Bad risk drivers are, as the term implies, those who are deemed more likely to be involved in wrecks, crashes or accidents.

Good risk drivers, on the other hand, are those who are believed to be safer. This group’s ages range from 40 to 50 years old. Such drivers are often given more discounts and can easily get insurance deals because, unlike young people, they are more mature and careful on the road. Seniors are mature, however they are deemed to be more prone to accidents due to slower reflexes and less keen eyesight than those in the 40-to-50 age group. In other words, those not belonging to the good risk drivers group are most likely to have more expensive rates.

So what must one do to have low cost auto insurance?

Companies still consider the reality that anyone is prone to being engaged in accidents, and so they often hold safe-driving seminars, refresher courses and the like. Should your company hold such workshops, it would be wise to attend these. Sure, you’ve been driving for some 40 plus years, but it wouldn’t hurt to be refreshed on the various traffic rules and you would gain important knowledge as well. This would also increase you credibility to the company, hence increasing your possibility of getting discounts.

Teenagers could get low cost auto insurance through their class cards. Companies like good grades because it reflects the maturity and responsibility of the student. The catch for teenagers is to prove to the car insurance company that they are indeed responsible drivers, and they can do this by having and maintaining a clean driving record.

One very practical tip in acquiring cheap car insurance (and which also applies to all age groups) is to shop around and not stick to just one company. With the many companies around, you are bound to get insurance that is quality but not too expensive.

So while it is true that being 40 years old is more favorable to companies, it is not entirely impossible to get affordable insurance.

16 Year Old Car Insurance Quotes – How To Get The Lowest Rate

When getting 16 year old car insurance quotes, most parents experience “sticker shock”. The increased expense of insuring a teenage driver can seem overwhelming at first. But if you do your homework, you can readily find ways to save money on car insurance for your 16 year old.

The reason for the higher cost of insuring a younger driver is because of the increased risk they present to insurance companies. It’s true that some teenage drivers are very responsible, the insurance companies know that on average they present a much higher risk than an experienced driver.

Over time as the teenage driver demonstrates a safe driving record, premiums for their insurance will go down. But initially you can expect to pay quite a bit more than you pay for yourself. There is a way that you can get a better than average rate for your 16 year old however if you are willing to take a few things into consideration.

Here are just a few things that you can do to make sure that you don’t pay more than is necessary for teenage car insurance:

Limit your 16 year old’s driving time.

One of the questions that an insurance agent will ask when applying for a new policy is, how much will your new driver be driving each year. They use this number to determine how often the car is on the road and therefore how much greater chance is there of them being involved in an accident.

The less time they spend driving, the lower the chance of them being involved in an accident. Drivers who drive less will pay less for insurance.

Avoid Traffic Violations.

It is up to you as the parent to explain to your 16 year old how important it is to avoid getting tickets. Speeding tickets can be especially detrimental to your chances of paying less for car insurance, not to mention the greater risk of being involved in an accident if you are driving too fast.

One of the best ways to teach this is to obey the traffic laws yourself. Tickets and accidents remain on your driving record for years which can mean paying thousands of dollars more for insurance over time.

Get The Grades

Most major insurance companies provide lower rates for students who get good grades. They feel (and their research backs it up) that good, responsible students on average are much safer and responsible when they get behind the wheel of a car.

For the most part, a “B” average on their most recent report card will help them qualify for lower insurance rates. This goes for high school and college age drivers.

Get At Least 3 Or 4 Rate Quotes

Don’t assume that your current insurance company will automatically give you the best rate. Insurance companies are very competitive these days and will do whatever they can to earn your business, even when for higher risk 16 year old car insurance rates.

The internet has made it fast and easy to shop for multiple rate quotes from one website and you don’t have to make phone calls or drive around to do it.

You fill out a questionnaire online and then submit it for your quote. Do this with 3 or 4 major companies and then compare. You may be surprised to find out how much different each quote can be.