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Top 10 Car Insurance Tips For Young Drivers
from:The top 10 car insurance tips for young drivers can take the
mystery out of the entire process of buying car insurance for
the first time. There are so many companies and variable that
can affect the outcome.
If a young inexperienced driver were to ask you about buying car
insurance, what advice would you give? Now you can point them to
the top 10 car insurance tips for young drivers...by the way,
most are good tips for any aged driver!
1. Ask your friends and neighbors, those who seem wise, what
insurance companies they go with and why. Insurance companies
rate each location differently, so it helps to talk to people
right in your area.
2. Get as many quotes as you can - the algorithms the insurance
companies use to set prices differ from company to company for
all drivers, but are most variable for young drivers.
3. See if they offer driver discounts for good grades or
drivers' education, or other similar course completion. Also
inquire about savings from bundling your car insurance with your
parents' vehicle and homeowners' insurance policies.
4. Don't just accept the first quote that a company offers you.
5. Call three or four different agencies and get comparison
quotes based on the same coverage. Be sure that each policy has
the same deductibles and that they are ones that you are
comfortable with. The lower the deductible the higher the
premium will be.
6. Check the reputation of both the agent and the company they
represent. The policy is no good if they don't cover you when
you need them.
7. Be aware that your credit rating and previous accident
history will influence the amount of your insurance premium.
8. Make sure you have the coverage you are required by law to
have in your state.
9. Get the "full tort" option. Even though it costs more, if you
are ever in an accident, it allows you do get much more money in
benefits.
10. Ask about payment terms, as some insurance plans will save
you a little money if you pay quarterly or every six months or
year instead of once a month. Most will also offer a small
savings by setting up an automatic payment directly from your
checking account.
This advice basically boils down to: Be an Informed Consumer.
Shop around, ask questions and don't be intimidated by the
process. Once you have settled on an insurance provider don't
fall into the trap of acting like you are married to that
provider.
Insurance companies have a tendency to start out with low rates,
but each policy renewal thereafter results in a subtle raise in
your premium. Look for it and don't settle. Check with at least
2 other companies to see if they will beat your current premium.
Just make sure when you do this that the benefits are identical.
About the author:
C.L. Hendricks has been a Jill-of-all-trades and become an expert in some. She writes for http://www.car-accident-advice.com, as well as several other websites on a variety of topics.
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