Category Archives: Car Insurance

Cheap Car Insurance for Young Drivers.

Car insurance for young drivers is never going to be cheap! The best you can do is try and buy the lowest car insurance premium possible. What follows is a guide which will help you achieve this. Firstly, the reason cheap car insurance for young drivers is an unlikely reality is simple- young and new drivers are a bigger risk to insure than the average car driver. These are the facts Newly qualified UK drivers are more likely to have an accident during their first year of year of driving than at any other time.

Per mile of driving, the risk of an accident involving injury or death is about seven times greater for 17-20 years old than for those aged 40 or over.

Young drivers under 21 are involved in 15% of all car accident deaths.

New drivers make up just 10% of licence holders, but are involved in 29% of accidents.

The following tips will help you reduce the cost of your young drives car insurance

Take the Pass Plus Driving Exam The pass plus examination is for new and young car drivers. It is an intensive training course that helps new drivers become a better drivers. Pass the pass plus and you will get a discount of up 35% on your car insurance. Taking the Pass Plus will cost around 100 but given the high cost of new drivers car insurance you should save more than this on your car insurance premium. Ask your driving instructor for details.

Pay a Higher Excess Insurers will insist on a minimum amount that you have to contribute to any car insurance claim. The standard amount is 100. As new and young drivers if you volunteer a higher amount you could save on your car insurance premium.

Pay Your Car Insurance Premium in One Go It is often cheaper to pay your years car insurance in one lump sum rather than in monthly installments. Most car insurance companies charge interest of around 15% APR (some up to 30%) to allow you to pay your premium in monthly installments.

Named Drivers Adding a named older driver to your car insurance policy, i.e. your parents, can save you 10% on your insurance premium. Likewise, avoid having younger named drivers on your policy.

Car Security Beef up your car security. Thatcham approved car alarms are recognized by all insurers and most will discount your premium if you have these fitted. If you have a garage then use it. Your car is less likely to be stolen from your garage or from your drive than if it is parked in the street. Insurance companies will recognize this and offer cheaper premiums.

Buy Your Car Insurance Policy Online Most car insurance companies offer a discount if you buy online via their web site.

Be Born Female Female car insurance is cheaper. Why? Because the average female is a safer driver than the average male. Result, cheaper car insurance for the ladies.

Shop Around According to the Association of British Insurers it is possible to save 35% on a car insurance premium by simply comparing several insurance companies against each other. As young drivers such a discount can be considerable. So get as many insurance quotes, online or otherwise, as you can. It will save you money.

Cheap Car Insurance For Teenagers Guide

Before getting cheap car insurance for teenagers, you have to first decide what type of coverage you need for the driver. After that you must decide how much you are willing to pay.

In some states, all drivers are required to carry Personal Injury Protection, but in other states it is only mandatory to carry liability coverage. No matter where you live you need to get some of these types of questions answered before you purchase the policy.

Here are some of the more important questions to answer before insuring your teenage driver:

Learn why car insurance rates are so expensive for younger drivers.

Insurance rates will vary for different teen drivers based on the average accident rate for their gender and age. For example, young male drivers on average have more accidents and are more prone to get traffic violations than girls the same age.

Also taken into consideration is whether or not the male driver is married or single. In general rates will be higher for young single males than it will be for young single females. But teenagers in general, male or female, will pay more for insurance than older drivers.

Is it possible to be added to the parents auto policy?

A teenage driver can be added to the parents car insurance policy if he or she drives the family car. But if they have a car of their own they will have a separate policy with a different rate than they would have if they just drove the family car. In most states you must be 18 years or older to own your own car.

Does age matter when taking out a new policy for my teenager? Probably no, this is as long as you have a valid drivers license. However, in some of the states you should be above 18 years to own a car and the drivers license in order to get the car insurance for teenagers.

Is the rate affected if during accidents or if a traffic violence ticket is issued?

If you are not at fault in an accident than your insurance rates will probably not be affected. But if you are found at fault than there is a good chance that your rates will increase when you renew your policy. Drivers who are at fault in an accident are considered a higher risk to the insurance company and until you drive for several more years with no accidents, you can expect to pay higher premiums for a while.

If I loan my vehicle to a friend and they get into an accident are they covered?

Most of the time, if a person using your car with your permission will be covered by your auto insurance policy. But if they do have an accident, the insurance company may raise your rates as if you were driving the car yourself. They may even limit the coverage if the driver was borrowing your car, so beware and don’t just loan your car to anyone that you are not sure is a responsible driver.

Should you report all accidents no matter how minor they are, to my insurance company?

It is very important to notify your insurance company of any accident that involves your car and someone else’s car or property. If for some reason the other party decides to sue for damages, your insurance company may not cover the accident if you did not report it from the beginning. In a case like this they may not be able to defend you because it was not reported.

Definitely yes, it is important to let the company know about all your accidents although you might not end up in filing a claim for coverage. However, if you do not report these incidents then you might even have the risk of being sued by the opposing party and your insurance company might even not be able to defend strongly on your side.

Car Insurance

Everyone wants a good rate on their car insurance, and they also want it with a good company. Here are three companies that usually have lower rates.

First is Farm Bureau Insurance. This company has been in business for a number of years and is what is considered a standard insurance company. This means they write policies only for people with good driving records and have had insurance with another company for so many months with no lapse in coverage. Farm Bureau Insurance will not write car insurance for people under the age of 25 unless they have the parents or guardians auto insurance also. They do not write SR-22s for new customers and sometimes not even for existing customers. Farm Bureau Insurance will in no way exclude a spouse from a policy. Farm Bureau Insurance does offer quiet a few discounts from safe driver to discounts for having other policies with them (i.e. homeowners insurance, farmowners insurance etc). They also offer multi-car discounts if there is more than one vehicle on a policy. Farm Bureau Insurance is in each state and each county of that state. You can call them or go online for a quote. However, it is best to go into your local office to have a policy written for you. The one thing that makes Farm Bureau a little different is the fact that for them to write you a policy, you must pay an annual fee. However, with this fee you get numerous other services from free notary to reduced rates on tax preparation.

State Farm Insurance is similar to Farm Bureau Insurance. They basically have the same discounts and same rules and regulations. State Farm Insurance premiums are pretty comparable to Farm Bureaus. Both of these companies have some of the lowest premiums available. State Farm does not have an annual fee at least in most states. Again, you can go online or call for a quote; but it is better to deal with a local office to get them to write a policy for you.

Now if you are in need of an SR-22, need to exclude a spouse, have a poor driving record, not been carrying insurance for a while, or are under 25 and need insurance then there is a wonderful company which do all of these.

First is Safe Auto. Safe Auto is only offered in 14 states, but they are one of the best companies to work with for any of the above mentioned situations. They have some excellent rates and are very easy to deal with. You need to call or go online to get a quote, but they have a number of ways to pay if you need to policy right then. You can pay online, over the phone with a debit card, credit card, or check by phone, or you can wire the money to them. From then on you can pay by mail or any of the other ways.

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.


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.


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.


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.