Questions to Help New Drivers Find Discounts on Auto Insurance

ByBryan A Smith

So the big day has finally come. You've passed your driver's examination and now you're getting your first car. Ex-ci-ting! Reality check-- Do you have auto insurance? Since it is mandatory in every Canadian province and territory to insure your vehicle, it is best to have your insurance sorted out before making this all-important purchase. You have heard the advice to "shop around" for the right deal on the car, why not insurance as well?

As a first-time auto insurance customer, you will likely start out paying higher premiums simply because you are just beginning to build your driving history. And while you may not have a clear picture of your driving needs and habits just yet, (is driving part of your occupational duties, as opposed to just commuting from home to workplace and/or school and back), it is worth the time to do a little "due diligence" in your research to see if anticipated travel and behavioral patterns can lead to some cost-cutting measures and ease the stress on your finances. There just may be some discounts available to you right from the start.

Here are some suggestions of the kind of questions you might consider asking yourself in regards to how you intend to use your first car.

Low-Mileage (infrequent use)

· Where do I shop for groceries? Do I always need to take the car?

· What other places or activities (e.g., gym, library, church) can I get to with alternate transportation?

· Do I intend to travel on highways a lot? (e.g., going to the lake/cottage, going to other cities)

· Am I going to socialize with a lot of my friends after work and on the weekends? Do these activities involve alcohol? Drugs? Am I at risk for impairment?

· How do I feel about being a designated driver?

Anti-Theft

· When out visiting friends, what sort of things would I leave in the car?

· What sort of security measures might I want/need? (e.g., steering wheel club, remote starter, loud alarm)

· Do I really need all the fancy gadgets like DVD players in my car? Will they be a distraction?

· What measures will I take to reduce usage (if any) of mobile devices in my car?

Defensive Driving/Improvement

· When I was learning how to drive, what were some of my bad habits? What am I doing to continually improve myself as a driver?

· Am I prepared for emergencies? (roadside emergency kit in the trunk, i.e., spare tire, jack, flares, blanket, etc...)

· How old is the car? (if buying a used car, how many repairs may it require/how often?)

In addition to working on improving your driving history and making sure you are a safe and courteous driver, auto insurance discounts may also be offered if you purchase other types of insurance from the same company (e.g., life, home, medical) or become a member of an automobile club.

A super-duper idea in shopping around for deals from auto insurance companies is not to be solely influenced by the cost of the premiums. Consider other factors before making your final decision. What is the company's customer service like? Helpful? Friendly? Convenient? Timely? Available on-line? Know what is important to you and make sure your key expectations are met.

Examining some of the key areas of your driving habits, finding appropriate discounts that might reduce the initially high costs of auto insurance will help you in the long-term to make the experience of owning your first car more pleasant. Happy (and safe) motoring!

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Bryan A Smith

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesCheap Car Owners Insurance Rates Online - Your Best OptionAmica Insurance and USAA Insurance - A ComparisonIn Need Of Sports Car Insurance For Young Drivers - Broker Or Direct?Auto Transport Insurance "Car Shipping Companies"Why This Lawyer Says You Should Buy Car Insurance From an Independent BrokerThe Comparison Between Traditional Car Insurers and Direct InsurersHouse Insurance in Ontario - Insurance Coverages and ExclusionsFinding the Best Auto and Car InsuranceAuto Transport & Car ShippingVery Cheap Car Insurance: Best Business Insurance TipsRecent ArticlesAuto Insurance - Describing Insurance BenefitsGirly Men Save On Car InsuranceGap Insurance - To Defer or Not to Defer, That Is the QuestionAffordable Car Insurance for Teen DriversBenefits of Short Term Car InsuranceSaving Money on Car Insurance TipsCar Insurance - What You Need to Know About ItMerits Of Car InsuranceCar Insurance Advice That Is Proven BeneficialThe Hidden Costs of Car InsuranceSubmitted On February 28, 2012. Viewed 3 times. Word count: 589.

MLA Style Citation:
Smith, Bryan A.".".28 Feb. 2012EzineArticles.com.2 Mar. 2012 .APA Style Citation:
Smith, B. A. (2012, February 28). . Retrieved March 2, 2012, from http://ezinearticles.com/?Questions-­to-­Help-­New-­Drivers-­Find-­Discounts-­on-­Auto-­Insurance&id=6910256Chicago Style Citation:
Smith, Bryan A. "." EzineArticles.com. http://ezinearticles.com/?Questions-­to-­Help-­New-­Drivers-­Find-­Discounts-­on-­Auto-­Insurance&id=6910256EzineArticles.com© 2012 EzineArticles.com
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Always Ask Your Car Insurance Company If They Have Any Discounts

ByRoul Arijit

Be sure that you are always updated with the new advancements in auto insurance. Equip yourself with the tools and information necessary to make informed, well-chosen coverage decisions. The tips in this article will help you to make the correct choice when purchasing auto insurance.

Beware of car insurance quotes that seem too good to be true. It could be the bargain of the year, or it may not be adequate insurance for you at all. Basing your decision on the price alone is not a good idea. You must also learn about the insurer and analyze all facets of the insurance policy to make sure it's right for you.

As you switch policies, cancel your current insurance policy in a way that will leave you with a written document as proof of cancellation. Cancelling by phone can mean that your request is not properly recorded, and you may continue to receive bills that you ignore. The company may then report you for nonpayment and terminate your policy, even though you thought you already had! This will cause a negative effect on your credit score.

Learn about different insurance policies and what kind of coverage they offer. It's important that you have liability in the case that you cause damage or injury, and that damage done to you or your own car is covered as well. Protection against potentially uninsured drivers is also crucial, and you should be protected from unforeseen damage to your vehicle, such as that from a fire.

Look at your deductible if you want to find a way to pay less for insurance. Higher deductibles can have the greatest ability to drastically lower the cost of your insurance overall. Remember that you will have to pay a higher amount if you do get into an accident. You may want to consider setting up a fund just in case something happens.

Carpool or take public transportation. Impress your insurance companies by keeping your mileage down and they may reward you with lower rates. You could have a discount that lowers your premium if you let your agent know that you use a bus or carpool.

Make sure that any car rentals are covered by your auto insurance up front. You will have to buy supplementary insurance if your policy won't pay for the cost of a rental car when your personal vehicle is undergoing repairs. This extra policy can save you up to $20 each day should you need to take advantage of it. This is the price that you will pay per day!

Tickets and points on your driving record can significantly increase the cost of your auto insurance. Conversely, the expiration or removal of those items from your record can also lower the rates you pay. When they go away, you can get some other quotes.

Choose a higher deductible, and you will pay less for your insurance. This is a risky move, but if you want to save money each month and have the willpower to put money away to pay a deductible if you are in an accident, it is a great way to save money Increasing your deductible will lower the amount you have to pay for your premium.

Prior to switching auto insurance providers, be sure that you don't have any unpaid parking tickets or outstanding traffic violations. Insurance companies frown upon outstanding tickets, and it may affect your premium or even your ability to get new coverage. This is not only the thing you should be doing, it can also help save money on insurance costs.

Think about what type of coverage you need on your auto insurance. You will have many options, but a lot of them won't pertain to you. If you have a history of accidents, it may be worthwhile to pay for collision coverage.

If you want to get a better insurance rate, be sure to make sure you have the highest FICO score possible. Like many other companies, auto insurance agencies check credit. The industry findings have shown that people with lower credit scores often have worse driving habits than those with higher to normal credit scores. Keeping a good credit score will mean lower insurance rates.

Hopefully with this article, you have learned some knowledge that you can apply to your auto insurance decisions. Research enables you to make better decisions based off of information instead of speculation. You can also give these tips out to help family and friends.

For further information and quotes on taxi insurance please visit our website that specializes in all types of hire and reward policies for licensed UK drivers. To compare cheap private hire taxi insurance quotes visit http://dpmediaproperty.co.uk/taxi-insurance/ a leading UK quote comparison portal.

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Roul Arijit

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesRent a Car With Car Insurance & Enjoy Your Trip Without WorriesFree Insurance Quotes For Cars - Where to Get the BestInsurance - Auto Ratings and Your Car-Buying DecisionSave Money on Your Auto Insurance: Money-saving Car Insurance TipsAuto Insurance For Used CarsInexpensive Auto Insurance - How to Get Cheaper Insurance For Your CarBudget Car Insurance - How to Save Big Money With Budget Auto Insurance CoverageCompare Car Insurance - What You Need to Know About Comparing Auto Insurance CompaniesAuto Insurance Based on Car ModelsTwenty Percent Instant Discount Car Insurance - Cheap Auto Insurance For Your CarRecent ArticlesFacts Your Insurance Company Might Not Tell You AboutLearn How Teenagers Can Get Affordable Automobile InsuranceCan High Risk Drivers Get Affordable Insurance?Car Insurance Tips For The Modern DriverCar Insurance Quotes Come To FruitionHow to Get the Best Car InsuranceAcquiring a Car Insurance Quote Should Be an Informed ProcedureSomething About Automobile Collisions and Car InsuranceWhy You Can't Find Cheap Car InsuranceFactors That Affect Insurance PremiumsSubmitted On February 25, 2012. Viewed 0 times. Word count: 746.

MLA Style Citation:
Arijit, Roul".".25 Feb. 2012EzineArticles.com.28 Feb. 2012 .APA Style Citation:
Arijit, R. (2012, February 25). . Retrieved February 28, 2012, from http://ezinearticles.com/?Always-­Ask-­Your-­Car-­Insurance-­Company-­If-­They-­Have-­Any-­Discounts&id=6903730Chicago Style Citation:
Arijit, Roul "." EzineArticles.com. http://ezinearticles.com/?Always-­Ask-­Your-­Car-­Insurance-­Company-­If-­They-­Have-­Any-­Discounts&id=6903730EzineArticles.com© 2012 EzineArticles.com
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How to Get Car Insurance Discounts for Your Vehicles

ByNicola Stevens

Car insurance is a given expense if you drive a car these days. In fact, it is the law. But many people are probably paying way more for car insurance than we should be. The problem is that these people do not know that there are a variety of discounts for different types of situations. The key is being aware of what they are and actually talking to your car insurance company about them.

One of the more common discounts is the Safe Driver discount. The reason that car insurance companies love to provide a discount for being a safe driver is because of the fact that safe drivers get into less accidents. Therefore, your insurance costs less to the company and to you. There are some companies that require you to take a course in order to be eligible for this discount. You must prove you are a safe driver by completing the program, and only then will you be allowed to claim this discount. Other companies simply require you to never have an accident or ticket. This can be difficult for some drivers, which is why there are other ways to lower your car insurance rate besides the Safe Driver discount.

Going to school can pay off for you as long as you are a good student. You can get a discount simply for having good grades, as long as you are a single, full-time student under the age of 25. All the more reason to work hard at doing well in school!

Do you carpool on a regular basis? This can qualify you for a discount with many companies because you drive a lower than average number of miles each year, which means you are on the road less and are much less likely to cause a collision. You can also be eligible for this discount if you really just drive less than the average driver.

You have the most awesome car ever, but is it costing you more to insure it? If your car is expensive to fix or has a less than stellar safety record, you may be paying more for your car insurance than you would if you had a lower profile car. Your premium can also be raised if you have a car that thieves would love to get their hands on. Opt for a less expensive premium by switching out the star car for something safer and cheaper.

Your job can be a great indicator of whether your car insurance rate will be lower or higher. If you are a teacher, chances are you can get a very good discount simply based on your occupation. Your car insurance company concludes that teachers are less of a risk on the road than, say, police officers or paramedics, simply because their job does not require them to drive fast. Teachers are also statistically more likely to have overall good driving habits.

The best way to lower your insurance rates is to talk to your insurance company about discounts you can get. You should also know how love affects your insurance premium.

Nicola Stevens
Insurance Rates
Your Car Insurance Premium

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Insurance: Car-Auto
Nicola Stevens

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesAffordable Auto Insurance - How to Get a Cheap Online Auto Insurance CompanyHow to Find Cheap Wyoming Auto Insurance Rates - 4 Steps to the Cheapest WY Car InsuranceHow to Find Cheap Maryland Auto Insurance RatesHow to Find Cheap Tennessee Auto Insurance RatesHow to Find Cheap California Homeowners Insurance RatesHow to Find Cheap Kansas Homeowners Insurance Rates - Compare Rates to Find Cheap KS Home InsuranceCheap Online Auto Insurance - Where to Find the Cheapest CoverCheap Inexpensive Auto Insurance - How Under-25's Can Get ItCheap Online Auto Insurance - Where to Get the Best Rate OnlineAre Cheap Online Auto Insurance Quotes Reliable?Recent ArticlesExploring The Reasons You Need Enough Insurance CoverageHow Staying With One Insurance Company Can Save MoneyThe Cheapest Insurance Coverage For Your Business VehiclesHow To Find The Least Expensive Vehicle CoverageAuto Insurance Policies - Different Types of Automobile Indemnity CoversAuto Insurance Policies For Amateur DriversAuto Insurance Policies - Some Basic Points To Remember While You PurchaseInsurance Shopping StudyWhat Is the Insurance Price Tag on a Bad Driving Record?Things To Consider Before Buying Car InsuranceSubmitted On February 17, 2012. Viewed 1 time. Word count: 517.

MLA Style Citation:
Stevens, Nicola".".17 Feb. 2012EzineArticles.com.22 Feb. 2012 .APA Style Citation:
Stevens, N. (2012, February 17). . Retrieved February 22, 2012, from http://ezinearticles.com/?How-­to-­Get-­Car-­Insurance-­Discounts-­for-­Your-­Vehicles&id=6888363Chicago Style Citation:
Stevens, Nicola "." EzineArticles.com. http://ezinearticles.com/?How-­to-­Get-­Car-­Insurance-­Discounts-­for-­Your-­Vehicles&id=6888363EzineArticles.com© 2012 EzineArticles.com
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