Tips to Get Affordable Car Insurance

You cannot eliminate car insurance from your budget because it is mandatory by law in all but just one state. You can, however, use these helpful strategies that can get your automobile premiums lowered and put money back in your pocket.

1. Get a Car that is Cheap to Insure

When you purchase an automobile, there are several things you need to consider including the cost, maintenance and the price of insuring it. Even if you pay $1,000 more for the vehicle, you can easily make up that amount with lower insurance costs. In general, stay away from high-performance cars like Porsches and Corvettes. While these automobiles are fun to drive, they can cost a small fortune to insure. The faster you car is in most cases, the higher the insurance bill will be. Next, stay away from premium vehicles that are costly to repair like Jaguars.

Some exotic cars have pure aluminum bodies that are extremely expensive to fix. Automobile insurers will factor these repair or replacement costs into the cost of your premiums. You will end up paying in some instances double the cost for insurance to a comparable, less costly vehicle. You will pay significantly less for boring automobiles like the VW Jetta or Subaru Forester. While these autos might not be as fast or fun, they are safe and will save you money on auto ins.

2. Do not Purchase a Vehicle that is on the Annual Top 10 Most Stolen List

For those who are in the market for a used or new car, you should first check the annual top 10 vehicle theft list. You should then stay away from all of the cars on the list if you want to get lower insurance prices. For the last decade, the Honda Accord and Civic have been in the top 3 almost every year, this is because thieves have such an easy time reselling them. Older Honda models are often worth less than $5,000, making a possible jail sentence, if caught, unlikely. Most people think that high-end cars like BMWs are in the target of thieveries the most, this is not true.

Thieves most often target foreign made cars like a 2006 Honda Accord because they are easy to steal, and there is an enormous overseas market for these automobiles. In 2013, the Audi, BMW and Lexus brands all made the top 10 list of the least stolen cars. Consider getting a used Audi that has depreciated 70% or more if you are on a tight budget. You will have an exotic ride that is fun to drive and cheap to insure.

3. If you have an older Automobile, reduce your Coverage and Save

Do you have comprehensive coverage on your older vehicle that has depreciated more than 65% since you purchased it? If so, you might want to think about getting rid of this more expensive protection. Why pay an extra $700 or $900 a year in insurance when the vehicle might be worth just $3,000 or less? It might make more sense financially to save that money and invest it. You could then buy liability coverage for the state minimums and reduce your premium cost. It is possible to buy this primary insurance for $29 a month in some areas for qualified drivers. If you are ever in an at-fault accident and your car is totaled, you will likely have the money already save up.

4. Select a Higher Deductible and Save

Did you know it is possible to save 10% or more on car insurance just by raising the deductible? the easiest ways to save and still get adequate automobile coverage is this one. If you want to save the most, consider a deductible of $1,000, this will lower your premiums quite a bit, but remember to set aside this amount in the unfortunate event you end up in a crash and file an insurance claim.

5. Drive less and get Cheaper Auto Insurance

Insurers calculate your rates in large part based on the risk you poses of getting involved in an accident. The more you drive, the more you are exposed to the possibility of a crash. On the contrary, the less you drive, the less likely you are to get involved in any incident. Just by driving less than 1,000 miles monthly, you can save 10% or even more with most insurers. It might mean making some lifestyle changes, like not taking as many long drives or even hooking up with ride-sharing services to work, but you will save a lot on coverage each year.

6. Bundle All your Automobiles and Home together with one Insurer

One of the best insurance tips is to combine your cars and property with one company; this makes sense for several reasons. The first is you can get huge discounts of 10% or more. The second is you will save much time by dealing with just one insurer and one bill. Having your insurance simplified will make your life easier and make claim processing even faster.

7. Find the Best Rates on the Web

Do you know that most people find the best auto insurance deals online? This is because insurers know people start their buying process on the internet. If you want to match with up to ten companies, just apply for a fast on-line quote. You will even get full credit for any discounts you qualify for like military or good driver.

With these useful tips from good to go insurance, you can get the savings you deserve today. Once you are ready, just go to goodtogoinsurance for a no obligation rate quote online.If you want to get your auto insurance premiums lower, then get a car that is cheaper to insure with good2go insurance.

Get quoted with good2go and buy a cheap policy online in minutes. Get you car covered for less with good to go insurance on-line. Get your customized automobile quotation from good 2 go insurance today in just five short minutes. Get your home and auto quote online with good to go insurance.

Understanding Your Auto Policy Made Simple

Car insurance is indispensable; and, it’s an agreement between the insurance company and the car owner. So you need to know what you’re buying and – more importantly – what you’ll get. Here are the basics you need to know about your car insurance policy – to protect yourself – in plain English.

Auto insurance is a contract. An agreement between you (the insured) and the insurance company (the insurer). It’s basically an agreement whereby you pay the insurance carrier a premium in exchange for a policy of insurance that provides benefits in the event of loss or injury to property or person.

A standard New York (and similarly with other States) auto insurance policy provides for the following major lines of coverage/ benefits:

I. No-Fault Benefits: If you as a driver or passenger in a car are injured, the host vehicle (the car you are either driving or a passenger in) must pay for the medical and related expenses. If you are a pedestrian, the vehicle that struck you will pay the insurance expenses. Even if you have health insurance (like GHI or Empire Blue Cross Blue Shield), it is still the host vehicle’s insurance carrier which must, by law, pay the medical expenses for the injuries you suffer. This is true even if you as the driver were at fault in causing the accident and your injuries. No-Fault insurance pays for all the necessary and related medical expenses, such as the hospital, labs, tests, surgery, doctor and specialist visits, prescribed medications, devices, over-the-counter medicines, transportation to and from the doctors and clinics, and wages you lost because you were unable to work. It is smart to keep receipts and a log of all the health care providers you see and treat with. It is important that you file the no-fault claim within the 30 day deadline or else you may very well forfeit all of these benefits.

II. Property Damage: This protects you as the owner or driver of a car that causes damage to property (usually to another car) as a result of your negligence or carelessness, whether you were completely at fault or only partially at fault. So, if you disobey a red light and crash into another car and damage it, your car will pay the owner of the other car the amount of damage caused by this accident. Or, if you are inattentive and crash your car into someone’s house, your insurance carrier will pay for the damage you caused to that house.

III. Bodily Injury Protection: This protects for injury to a person. So, let us take the example where a driver disobeys a red light and crashes into your car causing you to sustain personal injuries. In addition to the no-fault benefits that you will receive from your own car insurance (see paragraph I above), you may collect compensation for pain and suffering (loss of your enjoyment of life) for “serious injuries” from the other car’s insurance company. There is a plethora of law on what constitutes “serious” personal injury and the various compensatory values, but suffice it to say that the compensation scale varies.

IV. Un-insured and Under-insurance: This protect YOU in the event that the adverse vehicle (the vehicle which was at fault for the accident in causing your injuries) did not have insurance or did not have adequate insurance to fairly and reasonably compensate you for your pain and suffering. In New York in order to have a motor vehicle on the road, it must have minimum liability coverage of $25,000/$50,000, meaning $25,000 of coverage per person and a total of $50,000 of coverage per accident. If you are seriously injured and the other vehicle only has $25,000 in coverage, you may not be properly compensated by that vehicle’s insurance. If you have chosen to have a higher liability limit on your vehicle, say $100,000/$300,000, you are protected by your own insurance. In that scenario, you can recover $25,000 from the other vehicle and then up to an additional $75,000 from your own insurance. Therefore having high un/under insurance limits protects you. Property damage and bodily injury coverage compensate for the damage or injury to another that you cause – un/under insurance coverage protects you when the other person responsible for your damage or injury does not have enough insurance. It is well worth the (modestly) additional cost to get high un/under limits.

V. Collision and Comprehensive: Collision coverage affords you the protection of having your car repaired irrespective of whose fault the accident was. So, if you disobeyed a stop sign or were texting and smashed your car into a light pole, your car gets repaired under this coverage. Comprehensive coverage deals with fire or theft of your vehicle.

Deductibles: No-Fault, Collision and Comprehensive coverage of a policy are subject to a deductible, be it $200, $500 or $1,000. The deductible is the amount that you must pay out of pocket before you can use your insurance to pay the rest. The higher of a deductible you choose the lower your premium should be.

Choosing a car insurance company: In selecting the car insurance company that is right for you, be cautious if not weary of those catchy insurance company commercials. One important factor in reviewing an insurance company is its integrity in honoring its claims, namely first-party benefits. These are the benefits that you as the insured are entitled to without any lawsuit required. A car accident is a typical example where the injured’s medical and other related expenses are (supposed to be all) paid by the host vehicle’s insurance company (regardless if a personal injury claim or lawsuit is filed against the negligent party, which is a third-party claim for compensation). These first-party benefits are the most basic elements of the insurance contract, but you’d be surprised if not astounded to find out how many legitimate claims for benefits are denied or disclaimed by some insurance companies. Many other benefits go unprocessed (which is a further windfall savings for the insurance company) because many consumers simply don’t know what their rights are or what they are entitled to and the insurance company will not make an effort to educate their customers, other than sending out a fine-print notice which it knows most people don’t understand or will improperly or untimely submit.

A starting point in researching insurance companies would be the New York or your State’s Insurance Department, which maintains a list of complaints against insurance companies open to the public for review. Asking an insurance agent is also a good idea, but be mindful of any bias the agent may have as the agent is a salesman who benefits the insurance company and in some cases, sells only for one particular company. Sound advice is to consult with a lawyer (for free) whose practice and experience involves insurance claims and litigation. The lawyer has no bias or interest other than giving you objective advice that’s in your best interest.