What kind do I need?
Very safe, defensive drivers rarely need more than no-fault or the state minimum of insurance. Basically, if you take all the precautions on the road, you only need to make sure you are covered when someone else causes an accident.
If you want to be really safe, get as much coverage as you can afford. After all, even the best drivers are human and make mistakes. What if you have to sneeze?
How much do I need?
Base your coverage amount on your assets.
If you own a home, have kids, and some cash in the bank, try to get something like $50,000-$100,000 of coverage since you could wind up losing everything to debt or a suit if you cause a collision.
Don’t have many assets? $25,000 should cover you.
Does my policy cover me when I drive another vehicle?
Typically, your policy will not cover you when you are driving someone else’s vehicle. The policy for that vehicle would cover you.
If someone else drives my vehicle, are they covered?
Since your policy is really for the vehicle, anyone driving the vehicle should be covered. With some policies, however, the insurer might require written permission.
What kind of policy length should I get?
If you don’t think that you’re going to be a bigger or smaller risk in the near future, try to get a long policy. This way, you’ll get the best price.
If you are planning to pay off some debt or someone else that will make your risk factor go down, sign a short policy. That way, you can save money on a new policy in the near future.
What information do I need to get a auto insurance quote?
Basic information that you should know off the top of your head: address, contract information, email, etc.; incidents in your driving or legal history; background information, like income and education; annual milage; and VIN number, make, model, milage, and annual milage for the vehicle you are insuring.
Are these online auto insurance quotes really accurate?
Instant and free online auto insurance quotes are estimates; very very good estimates, but estimates none-the-less, so you will see some prices that vary a bit from the quote. Still, these quotes are excellent for providing a guideline about price differences between auto insurance providers.
About Defensive Driving
Defensive driving courses teach motorists principles and techniques that will make them safer and better drivers. It includes training to recognize dangerous situations and drills so that you know instinctively how to handle potentially catastrophic scenarios.
The classes don’t take too long—you can complete one in less than a week doing a couple hours a day. At the end of the course, you will get a certificate that represents a pretty big payoff.
In some places, you have the option of taking a defensive driving course, rather than getting points on your record for minor traffic violations. This in and of itself will save you a ton of money on auto insurance quote.
Some places even let you do this multiple times!
Ask the police or traffic court if this is an option for you. Usually, you have to do it right after you get the violation, not later. But there are some cases in which people have removed old violations by taking a defensive driving course.
It varies insurance provider to insurance provider, but most auto insurance companies offer a generous discount for people with defensive driving certificates. If you want a specific number, call your auto insurance provider and ask an agent.
You might even want to consider asking about this discount before you sign any auto insurance agreement next time you are looking.
If you can invest the time, it makes complete financial sense given that the defensive driving discount saves you a lot more than the class costs.
Online Defensive Driving Courses
Yup, you can take a defensive driving course at your own pace, on your own schedule, from your own home, right over the internet.
There are many benefits that come with taking a defensive driving course online:
• More convenient
• Don’t have to drive!
There are also some downsides:
• Limited by your internet connection. Long loading times mean it could take longer.
• You can’t ask questions and get answers.
• People don’t learn as well from the internet as they do in person.
Where to Find a Course
Your state department of motor vehicles or the police have to approve of the course. If the school is not accredited by the state, your defensive driving certificate will not be recognized. If you are going to go the online route, make sure that the site is recognized by your state.
Community colleges are a great place to find defensive driving classes.
If you’ve ever compared auto insurance rates across insurance companies or compared hours against a friends you might be feeling like auto insurance quotes are randomly generated. In fact, there is a lot of science behind a auto insurance quote.
Auto insurance companies are businesses, which means they are in it to make money. The more cars they have to repair or replace and the more medical bills they have to pay, the less money that is in their pockets. Therefore, insurance companies prefer to have the safest drivers insured through their company.
Most people think of safe driving as not getting into an accident and nothing else. This isn’t good enough for an insurance company. They spend a lot of money conducting research to find out, according to statistics, which factors make a person a more risky driver. Better yet, they simply want factors that are correlated with risk – it doesn’t even need to be directly related!
All of this research and statistical data goes into a formula, which calculates your premium. Insurance companies conduct their own research, so everyone’s numbers will be slightly different. Insurance companies also weigh factors differently. This is why you see such dramatically different results across insurance companies and individuals.
Here are some of the most common factors insurance companies look at when determining your auto insurance quotes:
Driving record – this one is the most obvious. If you’ve gotten into multiple accidents or have received a few traffic tickets, you are considered a risky driver. Keeping your driving record clean and taking driver’s education classes can help prove you are a lower risk.
Your address – where you live and where you park your car can affect your rates. Highly populated areas have more people, which means a higher chance of getting into an accident, having your car stolen, or having your car vandalized. If your car is parked in a garage or has an alarm system you might be able to get a discount.
Miles driven per year – the more you’re on the road, the more chances you have of getting into a wreck. Insurance companies usually want to know how far you drive to work or school each day, and how many miles you put on your vehicle annually.
The type of car you drive – certain cars are statistically involved in more accidents and thefts than other cars. Driving a safe vehicle with the latest security features is a great way to save money on your auto insurance.
Age, sex, and martial status – people who are young, men, or single are statistically more risky than older, female, and married drivers.
As you can see there are a lot of things that go into auto insurance quotes. Some factors are under your control and others are not. Your best bet is to simply be a good driver and make safe choices. Anything you can do to prove you are low risk can help!
Copyright 2019 Auto Insurance Quote | All Rights Reserved. BuywpTemplate.com