New drivers versus auto insurance

New drivers versus auto insurance
New drivers versus auto insurance

Every year thousands of new drivers head onto the open roads increasing the number of potential accidents. According to the National Center for Statistics and Analysis (NCSA), in 2005 there were an estimated 31,884 people killed in total passenger vehicle accidents. Close to 14% percent of these car accidents were caused by young and newly licensed drivers between the ages of 16-19 years. As a result of these overwhelming statistics, auto insurance rates have risen significantly with the onus on parents to pay the exuberant premiums.

Young drivers feel as though they are the target of a car insurance conspiracy in wondering why all novice drivers aren t being target regardless of age or gender. When countries world-wide passed legislation for new drivers, known as Graduated Licensing a system designed to phase in young beginners to full driving privileges as they become more mature and develop their driving skills. Astounding statistics revealed in the United States alone, young people made up the vast majority of beginning drivers and revealed that 16 year olds had the highest number of accidents, approximately 26%.

Driver education programs can reduce auto insurance rates

What factors into this equation is maturity and lack of on road experience. Driver education schools aid in not only practical experience, but further educate their students on behind the wheel safety procedures. As part of the ongoing education, parents should also continue to reinforce the dangers and hazards of the road and continually monitor their child s driving practices to secure a clean driving record. Enrolling your child in a driver education program also helps reduce car insurance rates since they are deemed as top authorities in driver safety.

So how can you get cheaper car insurance rates? Firstly, parents should go online and get as many auto insurance quotes, at least four since auto insurance rates vary from company to company, as well as from state to state. Here are some helpful tips in trying to find cheaper auto insurance for your child and some important factors you should keep in mind:

What new drivers should know about car insurance

When you are adding a new driver to your existing car insurance police, typically you will see an increase in your rate, this is due to the fact new drivers need to be listed as a primary driver on one of your family vehicles in order to acquire an insurance rating. When shopping around for cheaper auto insurance whether in person or getting an insurance quote online, pose the question, what happens as the child gets older and maintains a clean driving record, will his/her premiums go down? Depending on age bracket, gender and driving history, this will in fact affect auto insurance rates.

As previously mentioned parents should inquire if their child does qualify for any type of insurance discount, again this depends on legislating factors that govern insurance companies in different states. If your child has successfully passed and was granted a certificate at a recognized driving school, they may qualify for a good student discount .

If you are buying a new vehicle, you may want to consider which vehicles get the lowest rates. Also, be sure to contact your agent or broker to add the new vehicle to your policy.

You may want to consider additional personal liability protection. If you or your child accidentally injuries someone or destroys their property in the event of an accident, there is a chance you may be sued for damages. In the event a judge awards the plaintiff more money than what your insurance policy provides and exceeds the monetary limits, this could prove to be a financial catastrophe. The additional liability can supplement your present policy and with a new driver in the home, this should definitely be given top consideration when inquiring about car insurance.

Written on behalf of http://www.insurancequote4you.com your premium source for finding the best online auto insurance rates.

Shelley Murphy of <a href="http://www.trendmx.com">http://www.trendmx.com</a> brings with her over 10 years of Search Engine Optimization and e-marketing strategies to web based businesses. Holding two BA s in English and Journalism Communications her writing skills have been a great asset for both onsite writing and monthly newsletters publications.

Car Insurance. Bad Eyesight Threatens Your Insurance Cover.
If you have an accident and it?s found that you?d failed to keep your car roadworthy, for example excessively worn tyres, and that was a contributory factor in the accident, your insurer will probably refuse to pay up. And the police may also show an interest too! Quite reasonable many of you will say. But what if it?s you that?s un-roadworthy?

How many driving accidents are accompanied by the comment ?I didn?t see the other vehicle?? And what happens if the problem was your eyesight? Has it deteriorated to a dangerous extent?

Well all of us clearly know if we have an eyesight problem but there are opticians to help on every high street. Remember, if you need contact lenses or glasses for driving then you must wear them and if your eyesight deteriorates you should get a new prescription. It?s the legal responsibility of all drivers to ensure that they?re safe to drive.

Only last week I drew up alongside an elderly driver who was clearly having trouble reading the junction signs. He was leaning forward trying to read the signs indicating towards Leeds and rolling forward at 10 mph ? all this at traffic lights that by this time had turned red ? and he clearly hadn?t seen those! He was lucky that the cars coming across from the right saw him early. I?m not even sure he saw them either!

The law is quite straightforward ? it states that any driving licence holder who cannot meet the minimum level of eyesight must not drive. They are also required to surrender their licence.

The eyesight test for drivers? states that you must be able to read a number plate containing letters and figures 50 mm wide and 79mm high (that?s a legal number plate) from a distance of 20 meters. But you can use your driving glasses.

Having said that there?s no legal obligation for you to have regular eyesight tests but you are required to tell the DVLA if you develop any medical problem that affects your fitness to drive. If you don?t tell them, it?s a criminal offence.

In some American states drivers have to take an eye test every five years but not in the UK. Here, driver aged 70 and over must complete a medical form every three years confirming their fitness to drive and the definition of ?fitness? includes eyesight. If theses drivers fail to send in their medical form, they lose their driving licence. (I wonder what that elderly gentleman at the traffic lights said on his?)

On the insurance front, if you are involved in an accident where your defective eyesight was a contributory factor, your insurance company may well argue that you were negligent and refuse to pay out. This could be simply because you needed glasses to drive but weren?t wearing them at the time.

So drive carefully, and keep your eyes peeled ? elderly gentleman in Leeds please take note!

Michael writes for <a href="http://www.life-assurance-bureau.co.uk">Brokers Online Life Insurance</a> who specialise in <a href="http://www.life-assurance-bureau.co.uk/car-insurance/">Car Insurance Quotes</a> online.

Locating Cheap Auto Insurance Premiums
Paying too much for your auto insurance? By taking a few minutes to get some free price quotes you may be amazed at the savings you will receive. Prices from company to company can vary greatly which means it pays to shop around for the cheap auto insurance you are wanting.

Whether you receive car insurance quotes from phoning companies directly or browsing their web sites it makes no difference. However, it is often much quicker to find many free auto cheap insurance quotes online.

Before actually committing to a particular automobile insurance company it is wise to lay out your needs first. Motor car insurance is there to protect you and your family from possible financial ruin. It is to cover your costs in case of a catastrophic occurrence. It is not only there to pay for the repair or replacement of your car, but for any medical or hospital bills that may become necessary.

There are many things to consider before taking out an auto cheap insurance policy. One thing to think about is the amount of your deductible. A higher deductible can save you a little on your premiums, but it may end up costing you more if you are actually involved in an accident that is your fault. No fault car insurance can increase your premiums, but it sure is great to have if an uninsured runs into your automobile. Most auto insurance companies offer discounts for features that will reduce the risk of injuries or theft. Daytime running lights or anti-theft devices can often lower your premiums due to the fact that they will decrease the likelihood of you filing a claim.

Many people decide to drop the collision or comprehensive coverage if they own a car that is not worth very much money. Why pay higher premiums for a car that is not worth very much? So choosing to insure for liability only is certainly a way to lower the coverage costs. Insuring for just liability has the potential to save you a lot of money, but if you are involved in an accident with someone that is uninsured you will probably end up paying your repair bills out of your own pocket.

Once you have decided if you want full coverage or just liability and have also considered your other insurance factors it?s time to get some free auto insurance quotes. You want a company that is financially stable which can be checked by using a rating company. One of the better known rating companies is Standard and Poor?s. There are also many magazines available that can help you find some financially strong insurers.

The internet is the easiest method of getting fast and free quotes, but there are other places to search as well. Many companies sell their own insurance through their own agents while other agents can get quotes from several different insurance companies, allowing you the opportunity to go with the lower priced ones. It is often wise to ask acquaintances about their insurance. Price alone should not be the sole deciding factor when insuring your auto. Dependability, honesty, 24-hour claims service and other factors should also be weighed.

A wise thing to do is to contact your state insurance department. They can provide information about the companies you are investigating. If there are consumer complaints about a particular insurer chances are they can tell you.

Another item that should be thought about is the possibility of saving money by insuring both your auto and your home through the same company. Most insurance companies will give you lower rates if you insure more things with them.

If you want to keep your costs the cheapest possible there are many other factors in determining what your coverage will end up costing you. Some of these include the quality of your credit rating, how many miles you drive each year (lower mileage can mean cheaper premiums) and whether or not you work for a company that will allow you to get their group discount. Some professionals such as doctors or chiropractors get discounts. Belonging to certain types of businesses or associations can also possibly qualify you for auto cheap insurance coverage. One of the biggest factors is your driving history. Have you been in other accidents lately?

These are all factors that should be investigated before committing to a particular company. Write down all of your questions and concerns and then you can begin with the free quotes. Call several insurance agents that are in your area and get some free quotes online. You can save on your premiums by doing just a little homework.

Larry Johnson has been conducting business on the internet for the past 2 years. He writes articles about <a href="http://www.my-auto-cheap-insurance.com">auto cheap insurance</a> and many other business topics. He also manages several web sites about cheap auto insurance. Please visit <a href="http://www.my-auto-cheap-insurance.com">My Auto Cheap Insurance</a>.

Grey imports show true sticking power, says Swinton
Swinton Specialist motor insurance experiences 18% increase in enquiries for non-standard motors in the last 12 months Yesterday s boy racers are growing up, but instead of ditching their beloved Japanese imports, like the ever-popular Nissan Skyline, and opting for something a little more refined, they re sticking to their beloved motors. The UK s largest high street motor insurance broker, Swinton, is launching Swinton Specialist, a dedicated team to handle the upsurge in customers seeking quotes for non-standard motor insurance. Swinton believe that this boom is due to the reluctance of drivers over 30 to give up their modified cars. In the last 12 months Swinton has seen a 18% hike in demand for specialist motor insurance quotes and the new division will handle enquiries for all modified, high performance, imported and other non-standard motors. Grey imports ” cars not available in this country ” are remaining massively popular, with exclusive Japanese motors more desirable than ever. Far from being a passing phase in the performance car market, as speculated by some, following the release of films such as the Fast and the Furious, their popularity has soared. The car s high specification and excellent value given the strong UK pound is coupled with the trend for short-term car ownership and low corrosive driving conditions in Japan ” leaving them in prime condition for UK owners. Neil Ackinclose, head of Swinton Specialist, commented: “Performance cars have never been more popular in the UK and we are launching Swinton Specialist to provide motor insurance for this growing market. The internet has become THE market place for car sales, and this has opened up the international car market to UK buyers.” But it s not just yesterdays boy racers who are snapping-up Japanese imports according to Swinton, who have seen a resurgence of men and women in their 20s making the most of low interest rates to buy specialist cars. “We continue to see growing interest from the younger end of the market, where customers have high disposable incomes and credit is easily obtainable,” says Swinton s Neil Ackinclose. “Japanese Grey imports lend themselves excellently to this market, especially when prices can start for as little as 2k! “We also believe that high house prices have barred many twenty-somethings from getting on the property ladder, meaning their money is freed-up to spend on nice cars. Importing is now extremely popular as it offers excellent value for stylish, individual machines.” Swinton has also seen a steady increase in the number of modified and high performance cars on their books. Swinton Specialist searches through specialist schemes from top motor insurers and offers low premiums to owners of modified and performance cars ” with great deals on modified cars, performance cars, grey imports, and penalty pointed drivers. Value-for-money premiums are also available for cars with limited mileage, for owners belong to car clubs, as well as those with good security and tracking devices. Swinton s Top-10 grey imports: 1. Nissan Skyline (Japan) 2. Mitsubishi Lancer Evolution (Japan) 3. Subaru Impreza (Japan) 4. Toyota Supra (Japan) 5. Mazda RX7 (Japan) 6. Mazda MX5 Eunos (Japan) 7. Honda Integra (Japan) 8. Mitsubishi Pajero (Japan) 9. Cadillac EXT (USA) 10. Ford Mustang (USA)

Swinton Colonnade is the biggest insurance broker on the high street, with branches covering 90% of the UK.

Car Breakdown Cover ” Don t Wait Until You Need It
Car Breakdown Cover is something most people don t think about until they actually need it. Unfortunately, by then it is just too late. When you buy your automobile insurance, take a few minutes to look at Breakdown Cover as well. If you need it, when you need it, you will be more than grateful that you took the time. Car Breakdown Cover differs from company to company and each company will have different degrees of coverage. Most all of them will offer some kind of roadside assistance (a tow to the nearest repair center), some type of accident care (usually a rental vehicle), and repair referrals (it s nice to have the endorsement of a mechanic when you breakdown in an area you aren t familiar with ” it is less likely that you will be taken advantage of.). The insurance business is becoming more competitive everyday with new companies entering the market and online services making policies less expensive. Car Breakdown Cover can be gotten for a discount or with other perks ” like extra months of coverage or extra benefits. It is okay to be a bit forward in asking for what you want. You are the customer. Almost all the companies are going to give you a discount for not using the service you pay for. While any discount is good, it is far better to push for a discount for buying online, or for upgrading to a larger coverage. Car Breakdown Cover can be expanded to offer you a hotel when you breakdown away from home, van pick up for you and your passengers, coming to your home to start your vehicle, or even towing the vehicle to the repair shop of your request. You may not think you need it, but if you do and don t have it then you will regret it. For a small amount of money each year, you can offer the comfort of Car Breakdown Cover to you and your family.

Kathryn Lang is a freelance writer covering the finance industry. She has written various articles on <a href="http://www.fairinvestment.co.uk/car_breakdown_cover.aspx">car breakdown cover</a> and moderates at the <a href="http://www.legalstreets.com/">Legal Streets car forums</a>.

Cheap Insurance Van
The word shopping brings a feeling of immediate excitement to most people. But if you combine the word shopping with car insurance, as in “shopping for car insurance”, it produces the opposite effect. The thought of shopping for auto insurance makes the eyes glaze over and the heart rate drop to the pace of a slumbering couch potato.

Couch potato? Indeed. Doug Heller, a consumer advocate at the Foundation for Consumer Rights and a recognized insurance issues specialist, told us that too often “people purchase insurance by calling the number on the screen.”

But wait, this is important stuff! You want to be adequately covered if you get in an accident. And you certainly don’t want to pay more for car insurance than you should. Maybe waiting for a solution to be beamed into your living room is not the best idea.

How can you stay awake while navigating through this murky subject? Just remember: There is money to be saved. How much? Hundreds, even thousands, per year. For example, one of the authors typed all of his insurance information into a comparative insurance service. The quotes (for very basic coverage on two old cars) ranged from $1,006 to $1,807 ? a difference of $801 a year. If you’re currently dumping thousands into your insurance company’s coffers because of a couple of tickets, an accident or a questionable credit rating, shopping your policy against others may be well worth the effort.

Look at it this way ? you can convert the money you save into the purchase of something you’ve lusted after for a long time. Hold that goal in your mind. Now, let’s begin.

Before you can shop for something, you have to decide what you need. The first step in finding the right auto insurance for you is to figure out the amount of coverage you need. This varies from country to country. So take a moment to find out what coverage is required where you live. Make a list of the different types of coverage and then return for the next step.

Now that you know what is required, you can decide what ? if anything ? you need in addition to that. Some people are quite cautious. They base their lives on worst-case scenarios. Insurance companies love these people. That’s because insurance companies know what your chances are of being killed or maimed, and how likely it is for your car to be damaged or stolen. The information the insurance company has collected over previous decades is crunched into “actuarial tables” that give insurance adjustors a quick look at the probability of just about any occurrence.

It is important to keep in mind that the basis of insurance is a difference of opinion between you (the insured) and them (the insurance company). You believe you will, at some point, probably get in an auto accident. The car insurance company believes you probably won’t. And the insurance company is willing to take your money to prove you wrong.

So how much auto insurance should you buy beyond your state’s minimums?

“Look at your personal financial situation,” Dennis Howard, director of the Insurance Consumer Advocate Network and former insurance adjuster. “If you have assets to protect ? and that is all insurance is doing ? get enough liability coverage.”

Another issue Howard mentioned is that the limits of any uninsured and/or underinsured motorist coverage that you purchase cannot exceed the limits of your liability coverage. Such coverage, he said, can be valuable, as it will cover lost income if you’re out of work for several months after being injured in a major accident.

Your driving habits may also be a consideration. If your past is filled with crumpled fenders, if you have a lead foot or a long commute on a treacherous winding road, then you should get more comprehensive coverage.

“Consumers should also be aware that they don’t have to buy the package [of collision and comprehensive coverage],” Howard said. “If your vehicle is older, if you have a good driving record and if there is a low likelihood that it would be totaled in an accident, but a high likelihood of it being stolen, you could buy comprehensive but not collision.” Seems like good advice for all of the 1989 Toyota Camry owners reading this article ? this has been the most stolen car in the nation for several years (it’s often stolen for parts). But we would expect that most of them on the road have well over 100,000 miles.

At this time, a rather sobering point needs to be interjected. Just having car insurance doesn’t protect you from absolutely anything bad that might happen. First, the insurance company needs to back up the claims that they make in the fine details of the contract. TV ads show folksy adjustors at the scenes of natural disasters passing out claims checks like coupons for cocktail wieners at a supermarket. But, in case you haven’t noticed, real life is a bit different from TV ads. If you have an accident, your car insurance company will take a close look at your claim before mailing you a check. And the check may be written for an amount much smaller than you had hoped. For this reason, you should be intimately familiar with the terms of your policy and call the company with any questions you might have.

Now that you have made several practical and philosophical decisions, it’s time to start shopping. Begin by setting aside about an hour for this task. Bring all your records ? your current insurance policy, your driver license number and your vehicle registration. Drink plenty of coffee. Have a phone at your elbow. And, of course, power up your computer.

Begin with the online services. On many sites you can type in your information and get a list of comparative quotes. The form takes about 15 minutes to complete. If this bores you, just remind yourself that you are saving money and you can use that money to buy something nice for yourself. If the entire shopping process takes you two hours to complete, and you save $800, you’re effectively earning $400 an hour. While you’re researching companies, make notes in a separate computer file or on a piece of paper divided into categories. This will keep you from duplicating your efforts.

For more information please visit <a href="http://www.444.net">http://www.444.net</a>.

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