Tag Archives: car insurance quotes

Get Savings On Your Car Insurance

Posted by author on June 8, 2009 Comments Off

Reader’s Question:

I know a number of people who get a lot of savings on their car insurance. Could you tell me how I can have the same savings on my coverage here in Illinois?

Monique

Chicago, IL

There are a couple of things that you have to keep in mind for you to be able to get a lot of savings on your car insurance in Illinois. Here are some of them:

Use Safety Devices
Aside from giving you and the people on the road safety while you are driving, installing safety features and security devices can also save a lot on your car insurance premiums. These things lessen the damage it can do to you, your passengers and your vehicle when you get into an accident. For that reason, car insurance companies will consider you lower risk driver, thus having lower car insurance rates.

Less Driving
If you drive less or within the number of miles set by your car insurance company, you can get a low mileage discount from them. You can achieve this if you take public transportation from time to time or if you carpool to work once in a while.

Car Insurance Discounts
You have to be certain that you apply for all the discounts that you are eligible for as these can bring you savings. Some of the car insurance discounts you can get include good driver and safer driver discounts.

Raise Deductible
The higher the deductible on your car insurance is, the lower you pay for your car insurance premiums. The deductible is the amount that you pay on your car insurance coverage before your insurance company comes in so make sure you can afford the deductible that you choose.

Compare Car Insurance Quotes
This is the most effective way to reduce your car insurance costs and needless to say, this process is quite simple. What you have to do is just get multiple car insurance quotes from various insurers and compare each of them. Here, you will see the difference in price among car insurance companies for the same type of coverage so you get to pick which one is the most affordable for you.

The Best Car Model and Car Insurance for a Teenager

Posted by author on January 21, 2009 Comments Off

Reader’s Question:

I am planning to get my 16-year-old son his own car. Can you give me a list of the best cars that would fit a teenager? Also, where can I get car insurance for teenagers like him?

John

Portland, ME

The best cars for teenagers are really those which are cheap yet efficient. Teenagers, especially the guys, are known to be risky when they are behind the wheels. They like the feeling of excitement as they take risks while on the road, making them the group that has the highest case of road accidents and moving violations in all of America. Statistics show that even if you remove the population of unregistered teenage drivers, this age group would still be on top of the list of those who register the highest number of both fatal and non-fatal accidents. This is the reason why they are considered by almost all car insurance companies as high risk drivers.

If you think that your son has a big chance of being a risk-taker while on the road, it would be best if you give him a car that is not that expensive and would be easy to repair and maintain. You can buy him a Saturn ION 1 Sedan, GMC SLE AWD, Jeep Liberty Sport, Volvo S40. In general, domestic cars are recommended for young drivers because they can be less expensive when insured. You could also try buying an older car for your son, but make sure that it is still in good shape to avoid further accidents.

Once you have decided on the car that you want to purchase, you may then get your car insurance quotes from the internet. Check out the websites of car insurance companies for free quotes and information.