Saving Money on Teen Car Insurance

Car insurance for teens is relatively the most expensive and a limited coverage car insurance. Adding your teen on family's premium rate will doubled or tripled the cost of premium, especially with the new model cars.

Most of the parents argue about the cost of their teen car insurance rate, especially when they choose a newer model brand of car which loaded with safety features such as airbags and safety controls. But those safety features will cost a lot to replace or fix which brought them to a high insurance policy premium. Encourage your teen to start working for a newer model but for the meantime start driving older cars. There still late yet good model cars available which is safe as the new models. According to the Insurance Institute for Highway Safety (IIHS) statistics that 16 year old drivers is vulnerable to car accidents compared to those drivers whose ages are 30-59 years old, this is another reason why premium rates for teens are more expensive.

Here are some adequate tips on saving teen car insurance rate

Choose older cars for teens Premium rates for older cars is relatively inexpensive. Find and analyze some insurance prices before buying car and covered them in an older and least expensive car.

Advantage on teen driver's permit Most of the state allows teens to own a permit. Most of the insurance companies don't charge to those teens who owns a learner's permit. Having a permit is to let them remind of restrictions like not driving at night.

Discounts Ask your agent about the discounts which you can avail like good driver, driving program and others.

Encourage them to get a high grades good student discounts require a high or better average school grades and let them take the training course for drivers. High grades will make the premium less expensive which helps tremendously to lower the premium rates up to 10% of discounts.

Take an advice from the insurance agent Talk to your agent and ask them what is covered and what is not covered on your policy. They will help you to determine how to lower premium rates on your teen car insurance.

Honesty will get you the best and the ideal policy for teen car insurance.

Article Source articlesnatch

Online Guide to Finding Cheap Auto Insurance

Are you tired of paying too much for your auto insurance premiums? Do you want an insurance policy that you can get “more bang for your buck?” If so, then it is about time that you start looking for cheap auto insurance online! Auto insurance, along with all other types of insurance is now being quoted right over the Internet. That’s right; never again do you have to deal with a customer representative trying to give you a sales pitch after you find out your quote.
Why Auto Insurance Online?

Getting affordable auto insurance online can prove to be safe and efficient to your financial needs. Auto insurance polices can be viewed, applied for, and dealt with all in the privacy of your own home. The best way to find cheap auto insurance online is to simply Google auto insurance. When this is done, it will provide you with a number of different auto insurance sites that are over the Internet. These sites will give you a variety of different rates, quotes, and information to help you select the auto insurance plan that is right for you. The best thing about getting an auto quote over the Internet is that it’s free!
What to Look for in Auto Insurance

For some getting auto insurance is a new experience and all too often people are not prepared to deal with the situation. Now is the time to take a minute and absorb some of the very valuable auto insurance information that can help save you time and money. Here some of the coverage to expect with a basic policy:

* Collision- Typically covers vehicle damage that is the result of an accident with another vehicle. Depending on who is at fault the insurance will cover the cost to fix your vehicle and the others vehicle or vise versa. There may also be a deductible associated with this that you may have to pay and the insurance company covers the rest, this cost can vary depending on the coverage.
* Property Damage Liability- This is for the damage you or another driving your vehicle may inflict on another’s property.
* Bodily Injury Liability- This coverage is designed for injury expenses that you, the policyholder, cause to someone else from the direct result of an accident involving your vehicle. The minimum coverage is set by the state, but more should be considered just incase.
* Personal Injury Protection (PIP)- This is designated to injuries sustained to the policyholder of the vehicle or passenger within. Usually will cover medical payments, lost wages, rehabilitation, and in extreme cases even funeral costs.
* Comprehensive- You should expect to be covered in a situation where you have suffered a loss or damage to your vehicle in an accident with something other than another vehicle. Such things as theft, vandalism, or even fire are covered under this feature.

It is important to protect your vehicle and know what you get when you are looking for cheap auto insurance. Getting the minimum coverage can prove to be very inexpensive, but at the same time offer great coverage that will protect you.

Tips and Advice on Insuring Your Home

California Homeowners Insurance

If you're a California homeowner, or renter and are looking for homeowners insurance, the first place you should visit is the California Department of Insurance. Their website has pretty much all of the information you need to become an informed insurance purchaser.

On their site they offer the California homeowner a series of informative articles that will take you through each aspect of purchasing homeowners insurance. Your home may be the largest single investment you make, take the time to insure it properly. The series of articles are not passive. They will cause you to stop, think and take stock of what you have. You will have to seriously consider what you are purchasing and why you are purchasing it.

Very appropriately, their first article in the series is about taking a home inventory. The 38-page document takes you step by step through your home and assists you in taking an inventory of your belongings. This is a very important and most often overlooked step by homeowners.

Here are a few of the other articles available on their site:

* Residential Insurance: Homeowners and Renters - This is a tutorial on California homeowners and renters insurance. It gives information about what is usually covered and what is not. It offers advice on how to set policy limits and how to get discounts.
* Residential property Claims Guide - This document takes you through the claims process, from what to do after a loss to how to report it to your insurance company.
* There are several documents on earthquake insurance. Unfortunately California homeowners are faced with this very real exposure. Their articles give tips and advice on how to purchase coverage, mediation programs and earthquake preparedness information.
* Important Residential Insurance - related legislation: A user-friendly guide to up to date information on legislation that will affect the California homeowner or renter.
* Mold & Your Homeowner's Policy: Very applicable information for finding out what mold is, how to prevent it from forming, what to do if you have mold in your home, how to get rid of it and much more.
* Don't Get Burned After a Disaster: Tips on how not to be scammed after a disaster. Unfortunately, unethical scammers tend to take advantage of people when they are most vulnerable. The California Department of Insurance offers tips on how to avoid being scammed.

After reviewing the various articles available on the site (the article above are just a few, there are many informative documents not outlined here), take their interactive 2007-2008 Homeowners Survey.

The interactive survey provides California homeowners with the ability to enter information such as location, the type of coverage, amount of coverage and age of your home. Upon clicking the 'Get Premiums' button, you will be presented with a listing of the insurance companies, and their estimated annual cost to insure your home (of course this is subject to each company receiving and reviewing your underwriting information).

This nifty little tool will allow you to get insurance quotes on homeowners, renters, condo, and mobile homes in addition to quotes for earthquake coverage. Each listed insurance company contains an 'info' link. Upon clicking the link you will be given insurance company information such as company profile, lines of business the company is authorized to write in the state of California, company complaint information (a very useful tool), and the ability to find a representative in your area.

For those California homeowners who are unsure about how to go about getting insurance, the California Department of Insurance has made it easier to be informed.
By: Felicia A. Williams