Alaska Car insurance companies see teen drivers as the worst risks with respect to age groups. Several parents will really do all within power to keep their teens from driving yet. Notwithstanding this may work for a number of parents, it might not work in many others.
Peer pressure makes it unacceptable for them to be the only kids among their peers who aren't allowed to drive yet. Is there a way you can get more affordable rates for this high risk group and as well keep them safer? This write-up will show you how...
It's normal for your teen to ask for privileges that come with adulthood while avoiding the responsibilities that come with it. Few of them, though, would ever complain if you insist that they show they've grown old enough for the privilege by taking on some of, or all of, the responsibilities that come with it.
Make them pay their auto insurance premium themselves or at least contribute a sizeable chunk. You'll discover that making them to take steps that will make them lower their rates will be easier after you do this.
Give your teen driver this set of rules and they will be the safer if they abide by it...
1) Let them never drive in company of fellow teens or kids unless there is a responsible adult in the car.
2) Make sure your teen promises never to drive at night. And, where it becomes inevitable, go over things they must bear in mind.
Most accidents happen between 9.00pm and 2.00am.
3) They must never touch the steering wheel once they've taken any form of alcoholic beverage. Take note that to be on the safe side they should know that they are not allowed to drive if they take so much as a sip of alcoholic beverage.
4) Let it be ingrained in your teenager that they are not on a race track even when they are on the highway.
Have a stiff sanction if they violate speed limits or traffic laws.
5) They must tell you where they intend to drive to with their cars. It may be hard sometimes but there are place where your teen is better off using public transport.
These all presume that you already have great communication with your teenager. Nevertheless you can lower your teen's rates by getting and comparing quotes.
Here are trusted sites for auto insurance quotes...
Get Free No-Obligation Auto Insurance Quotes Now
Cheaper Auto Insurance Quotes In Minutes
Saturday, December 27, 2008
Friday, December 26, 2008
Cheaper Alaska Car Insurance Rates -- Don't Joke With The Following Suggestions If You Mean Business
Do you want to enjoy the best Alaska car insurance rates? Then make sure you get the right tips. Here are some you cannot afford to miss...
1. Keep an outstanding credit rating. Those who have bad credit pay more expensive premiums for every form of insurance and that includes auto. This is because insurance companies regard individuals who default in payments as reckless and a bigger risk to them. This perception of high risk makes such individuals get very high rates in auto insurance and other insurance policies.
2. Are you aware of all the discounts that your insurance carrier offers?
It's possible that your agent did not remember to tell you about some. The only way to ensure it's false in your case is by telling your agent to list out every discount that your preferred insurance carrier offers. You might get a very pleasant surprise!
3. A regular discount is another factor that will reduce your Alaska car insurance rate. A number of insurance providers will give you discounts of about 5% once you stay with them for over three years while others will give you discounts for staying up to 5 years. The longer the years you've been loyal to an insurer the bigger discounts you can get.
However, you may be better served by switching....
Let ussay, for example, that you are given a 5 percent (or $125) discount after your third year with an insurer where you current Alaska auto insurance rate is $2,500.
But if you do routine shopping for auto insurance you'll almost always get an insurance carrier within those years of waiting who will give you a similar coverage for less. In this regard, it will be pointless to continue because you want to get a loyalty discount down the line when you can get cheaper rates at the moment.
Furthermore, in most cases, most folks will actually pay a lot less than they are presently on auto insurance if they do extensive shopping.. Since the process of obtaining and comparing auto insurance quotes involves just minutes, I will wonder why you will not do that now and get lower car insurance rates immediately.
Here are trusted sites for auto insurance quotes...
Get Free No-Obligation Auto Insurance Quotes Now
Cheaper Auto Insurance Quotes In Minutes
1. Keep an outstanding credit rating. Those who have bad credit pay more expensive premiums for every form of insurance and that includes auto. This is because insurance companies regard individuals who default in payments as reckless and a bigger risk to them. This perception of high risk makes such individuals get very high rates in auto insurance and other insurance policies.
2. Are you aware of all the discounts that your insurance carrier offers?
It's possible that your agent did not remember to tell you about some. The only way to ensure it's false in your case is by telling your agent to list out every discount that your preferred insurance carrier offers. You might get a very pleasant surprise!
3. A regular discount is another factor that will reduce your Alaska car insurance rate. A number of insurance providers will give you discounts of about 5% once you stay with them for over three years while others will give you discounts for staying up to 5 years. The longer the years you've been loyal to an insurer the bigger discounts you can get.
However, you may be better served by switching....
Let ussay, for example, that you are given a 5 percent (or $125) discount after your third year with an insurer where you current Alaska auto insurance rate is $2,500.
But if you do routine shopping for auto insurance you'll almost always get an insurance carrier within those years of waiting who will give you a similar coverage for less. In this regard, it will be pointless to continue because you want to get a loyalty discount down the line when you can get cheaper rates at the moment.
Furthermore, in most cases, most folks will actually pay a lot less than they are presently on auto insurance if they do extensive shopping.. Since the process of obtaining and comparing auto insurance quotes involves just minutes, I will wonder why you will not do that now and get lower car insurance rates immediately.
Here are trusted sites for auto insurance quotes...
Get Free No-Obligation Auto Insurance Quotes Now
Cheaper Auto Insurance Quotes In Minutes
Thursday, December 25, 2008
Cheap Alaska Car Insurance -- How You Can Realize Big Savings (Credit History)
This one is still on the subject of making as much savings on your Alaska car insurance as possible. Here, I will bring your focus to yet another thing that is used by most insurance companies to determine your risk level. It, therefore, affects your costs...
Do your best to have a very good credit record. The logic of this thinking is really very apparent to those who have business dealings with people...
Your credit record shows a lot about you. If you pay your bills promptly most insurance companies will assume that you are financially stable and, therefore, a smaller risk.
Here's their thinking: Those who pay attention to their bills in a timely manner are also more prone to be more responsible in other areas -- including driving. For them a pattern of negligence with personal bills means general irresponsibility which is often carried on behind wheels.
Furthermore, it means that you have a problem with paying on schedule. Neglecting your premiums is more likely apart from the fact that bankrupty is also more likely.
What will an insurance company do if a client goes bankrupt? Well, that is not our focus. Our focus is how it will influence your rate.
The insurance company simply adds to your rate since you are a higher risk to them. If you miss two payments on your credit card, do not be shocked if you see your insurance premium doubled. Defaulting in your credit card payments for a certain number of times can even lead to termination of your insurance contract.
Since it now also affects your auto insurance premium thus affecting your total expenditure, try to build a great credit history.
A very good credit record is a basis for getting discounts. A client with a very good history is loved by anyone in business. They are very unlikely to miss payment on their insurance premium.
I've told you that your credit history can help you make some savings. If you doubt it, here's the main step in the process: Get as many quotes as you can from as many Alaska car insurance quotes sites as make sense. Thereafter, compare all of them and pick the best quote. This is very important as it can bring savings of over $1000 in some cases.
Here are trusted sites for auto insurance quotes...
Get Free No-Obligation Auto Insurance Quotes Now
Cheaper Auto Insurance Quotes In Minutes
Do your best to have a very good credit record. The logic of this thinking is really very apparent to those who have business dealings with people...
Your credit record shows a lot about you. If you pay your bills promptly most insurance companies will assume that you are financially stable and, therefore, a smaller risk.
Here's their thinking: Those who pay attention to their bills in a timely manner are also more prone to be more responsible in other areas -- including driving. For them a pattern of negligence with personal bills means general irresponsibility which is often carried on behind wheels.
Furthermore, it means that you have a problem with paying on schedule. Neglecting your premiums is more likely apart from the fact that bankrupty is also more likely.
What will an insurance company do if a client goes bankrupt? Well, that is not our focus. Our focus is how it will influence your rate.
The insurance company simply adds to your rate since you are a higher risk to them. If you miss two payments on your credit card, do not be shocked if you see your insurance premium doubled. Defaulting in your credit card payments for a certain number of times can even lead to termination of your insurance contract.
Since it now also affects your auto insurance premium thus affecting your total expenditure, try to build a great credit history.
A very good credit record is a basis for getting discounts. A client with a very good history is loved by anyone in business. They are very unlikely to miss payment on their insurance premium.
I've told you that your credit history can help you make some savings. If you doubt it, here's the main step in the process: Get as many quotes as you can from as many Alaska car insurance quotes sites as make sense. Thereafter, compare all of them and pick the best quote. This is very important as it can bring savings of over $1000 in some cases.
Here are trusted sites for auto insurance quotes...
Get Free No-Obligation Auto Insurance Quotes Now
Cheaper Auto Insurance Quotes In Minutes
Wednesday, December 24, 2008
Cheaper Alaska Car Insurance -- More Ways To Save
By applying simple commonsense, you can save a lot of money in your Alaska car insurance premium. But there is a limit to what you can get by simply applying your commonsense, you need help to save more hundreds more. Here's a way you can get more savings...
There are several coverage types as far as your Alaska car insurance is concerned. Examples of such policies are third party only, collision and comprehensive. And always remember that you can constantly get additional features at a high cost if you need something more than the basic policies provided. However, not getting a suitable policy will add to your cost on the long run.
Choose third party only cover your priority is getting the most savings. This option is feasible only in areas that takes it as the minimum. Just know that you won't get any money for your car. It only takes care of the third party hence the name. Any damages to your vehicle will be borne by you. This option is the most effective for those who have old vehicles.
Before we go into other issues. I will quickly give an highlight of the other two popular policies. In addition to taking care of the third party in an accident, a comprehensive plan also covers people involved and your own vehicle. Moreover, you are also paid for losses due to vandalism, fire and theft. A collision policy covers your vehicle if you crash into another object. Let us continue now that we've covered the basics...
If, for example, you get collision cover for an old ride, your insurance company will only pay you based on what your vehicle is worth at the time of the accident. Add to that your deductible (An amount you must pay before your insurer fulfills its obligation) and you will discover that if your vehicle is just an old car (not a classic), what you will be given cannot be compared with the premiums you'd have been paying.
An insurance policy isn't worth the sacrifice if it doesn't pay you on the long run.
And did I say that different insurance companies will charge you differently for a similar policy? So how do you know the best and lowest if not by getting quotes from a number of insurance companies?
Here are trusted sites for auto insurance quotes...
Get Free No-Obligation Auto Insurance Quotes Now
Cheaper Auto Insurance Quotes In Minutes
There are several coverage types as far as your Alaska car insurance is concerned. Examples of such policies are third party only, collision and comprehensive. And always remember that you can constantly get additional features at a high cost if you need something more than the basic policies provided. However, not getting a suitable policy will add to your cost on the long run.
Choose third party only cover your priority is getting the most savings. This option is feasible only in areas that takes it as the minimum. Just know that you won't get any money for your car. It only takes care of the third party hence the name. Any damages to your vehicle will be borne by you. This option is the most effective for those who have old vehicles.
Before we go into other issues. I will quickly give an highlight of the other two popular policies. In addition to taking care of the third party in an accident, a comprehensive plan also covers people involved and your own vehicle. Moreover, you are also paid for losses due to vandalism, fire and theft. A collision policy covers your vehicle if you crash into another object. Let us continue now that we've covered the basics...
If, for example, you get collision cover for an old ride, your insurance company will only pay you based on what your vehicle is worth at the time of the accident. Add to that your deductible (An amount you must pay before your insurer fulfills its obligation) and you will discover that if your vehicle is just an old car (not a classic), what you will be given cannot be compared with the premiums you'd have been paying.
An insurance policy isn't worth the sacrifice if it doesn't pay you on the long run.
And did I say that different insurance companies will charge you differently for a similar policy? So how do you know the best and lowest if not by getting quotes from a number of insurance companies?
Here are trusted sites for auto insurance quotes...
Get Free No-Obligation Auto Insurance Quotes Now
Cheaper Auto Insurance Quotes In Minutes
Tuesday, December 23, 2008
Alaska Car Insurance Coverage -- Is It That Important?
Auto insurance is obligatory for car owners and drivers in most states presently. This could give the wrong impression that car insurance is only essential because doing the contrary would be flouting the law -- That is not the case.
A lot of people ask for their Alaska car insurance coverage with that mentality. And, what do they do? They go for the barest minimum even when their circumstance demands that they get a proper coverage.
But the unexpected sometimes happens (No one really leaves home saying: "Today, I hope to have a dangerous crash."). Then they would now know that they would have been better off with another policy albeit very expensive.
For the fortunate folks, it may just be the loss of their car or other properties belonging to their vehicle. It could be devastating if there is a court rule that they compensate injured or affected persons in an accident. This could be as huge as $5 million. So unless they're really rich, liquidation becomes inevitable.
Definitely, you won't want to be the object lesson that made others around you get wiser (in a negative sense). Therefore, make proper assessment before you choose an insurance policy. Look at things on the long run. If you will be fine with a policy go for it even if it is the minimum.
Auto insurance is something you do for yourself and not the government. You'll certainly have done yourself much good with the right auto insurance policy should you ever have to make a claim.
Most people would have loved a more extensive coverage if not for the high cost usually associated with it. They therefore go for cheaper policies and pray for the best. However, some insurance experts have built sites that are meant to help you get better coverage at lower costs. You can take advantage of these quotes sites for massive savings.
Here are trusted sites for auto insurance quotes...
Get Free No-Obligation Auto Insurance Quotes Now
Cheaper Auto Insurance Quotes In Minutes
A lot of people ask for their Alaska car insurance coverage with that mentality. And, what do they do? They go for the barest minimum even when their circumstance demands that they get a proper coverage.
But the unexpected sometimes happens (No one really leaves home saying: "Today, I hope to have a dangerous crash."). Then they would now know that they would have been better off with another policy albeit very expensive.
For the fortunate folks, it may just be the loss of their car or other properties belonging to their vehicle. It could be devastating if there is a court rule that they compensate injured or affected persons in an accident. This could be as huge as $5 million. So unless they're really rich, liquidation becomes inevitable.
Definitely, you won't want to be the object lesson that made others around you get wiser (in a negative sense). Therefore, make proper assessment before you choose an insurance policy. Look at things on the long run. If you will be fine with a policy go for it even if it is the minimum.
Auto insurance is something you do for yourself and not the government. You'll certainly have done yourself much good with the right auto insurance policy should you ever have to make a claim.
Most people would have loved a more extensive coverage if not for the high cost usually associated with it. They therefore go for cheaper policies and pray for the best. However, some insurance experts have built sites that are meant to help you get better coverage at lower costs. You can take advantage of these quotes sites for massive savings.
Here are trusted sites for auto insurance quotes...
Get Free No-Obligation Auto Insurance Quotes Now
Cheaper Auto Insurance Quotes In Minutes
Monday, December 22, 2008
Affordable Car Insurance In Alaska -- Steps That Will Help You Enjoy Cheap But Adequate Coverage
There are a few things you must look for if you intend toget the very best Alaska car insurance premium. You can get it at an affordable price and put yourself at risk
while someone who takes the right precautions gets his/hers cheap too without reducing the value they get. Following are areas to note if you really plan to have the very best.
1. It is necessary to check if an insurer is licensed to offer auto insurance. Don't buy from an insurer until you've verified their legitimacy, reputation and standing. See what services such as Moody's Investor Services, BBB, Standard & Poor's Insurance Rating Services and others have as their rating for such an insurance company.
2. Ask those close to you their take on various insurance companies. Find out the quality of service they get and what they pay if it makes sense to ask them. Your search for the best insurer for you is easier if they rave about their agent and/or insurer. Then you should just shortlist them as likely options for you.
Nevertheless, make sure you don't call only one person and then go with their agent (No matter how good they claim their agents are). Get referred to many agents. Endeavor to compare quotes from all the agents you were referred to. Talk with them all and you'll easily spot who has not only the lowest rates, but the best price/value. This will take you quite some time.
3. The most important route to reasonable savings in car insurance is comparison shopping -- Provided that you do it correctly. You can get quotes that will have a range that exceeds $1,000. You could conveniently save so much by just picking the lowest quote. This should apply if you're simply after the lowest price.
Howbeit, if you want the best price/value then you would have to look at the details of the cheapest quotes. Different insurance companies may have adjustments for similar policies. It's wise to ask the agent what's included and what's excluded.
4. Don't get carried away by the cheapest price as you shop for low cost Alaska auto insurance. What you need is not just the cheapest quote but the quote that represents the best price to value ratio. You can get really cheap quotes that offer you the value you are after if you do your shopping extensively. But be prepared to pay slightly more if need be to buy the right auto insurance coverage for you.
I say this because some low rates could be so because they have much value to offer you. A motor car insurance plan that gives insufficient coverage doesn't make sense even if it's 500% less than the quote that gives you sufficient auto insurance coverage.
Here are trusted sites for auto insurance quotes...
Get Free No-Obligation Auto Insurance Quotes Now
Cheaper Auto Insurance Quotes In Minutes
while someone who takes the right precautions gets his/hers cheap too without reducing the value they get. Following are areas to note if you really plan to have the very best.
1. It is necessary to check if an insurer is licensed to offer auto insurance. Don't buy from an insurer until you've verified their legitimacy, reputation and standing. See what services such as Moody's Investor Services, BBB, Standard & Poor's Insurance Rating Services and others have as their rating for such an insurance company.
2. Ask those close to you their take on various insurance companies. Find out the quality of service they get and what they pay if it makes sense to ask them. Your search for the best insurer for you is easier if they rave about their agent and/or insurer. Then you should just shortlist them as likely options for you.
Nevertheless, make sure you don't call only one person and then go with their agent (No matter how good they claim their agents are). Get referred to many agents. Endeavor to compare quotes from all the agents you were referred to. Talk with them all and you'll easily spot who has not only the lowest rates, but the best price/value. This will take you quite some time.
3. The most important route to reasonable savings in car insurance is comparison shopping -- Provided that you do it correctly. You can get quotes that will have a range that exceeds $1,000. You could conveniently save so much by just picking the lowest quote. This should apply if you're simply after the lowest price.
Howbeit, if you want the best price/value then you would have to look at the details of the cheapest quotes. Different insurance companies may have adjustments for similar policies. It's wise to ask the agent what's included and what's excluded.
4. Don't get carried away by the cheapest price as you shop for low cost Alaska auto insurance. What you need is not just the cheapest quote but the quote that represents the best price to value ratio. You can get really cheap quotes that offer you the value you are after if you do your shopping extensively. But be prepared to pay slightly more if need be to buy the right auto insurance coverage for you.
I say this because some low rates could be so because they have much value to offer you. A motor car insurance plan that gives insufficient coverage doesn't make sense even if it's 500% less than the quote that gives you sufficient auto insurance coverage.
Here are trusted sites for auto insurance quotes...
Get Free No-Obligation Auto Insurance Quotes Now
Cheaper Auto Insurance Quotes In Minutes
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