All About Cheaper Car Insurance Online

If you are lucky enough to be able to get a new car, then you are going to need to get it covered with a good insurance policy. Car Insurance rates have been going up the last few years and it looks as though this trend will not slow down.

The good news is there are common sense things you can control to get cheap car insurance online. The internet is probably the most incredible human invention of all time and it has lowered prices on so many things, from travel reservations to direct insurance coverage. The first step in combating inflation and increasing auto insurance price hikes is to frequently shop around for quotes on the web. Anyone with an internet connection can get quoted in only about 10 minutes and compare policies from direct providers like go auto insurance and other top carriers.

Direct rates are cheaper because the polices offered don’t have the middleman expense like a broker or insurance agency. Several top car insurers have only have direct ins models and do not have traditional offices or sales channels through brokers. This significantly reduces costs and then these savings are passed onto the consumer in the way of lower rates. This aggressive competitor has been selling cheap car insurance for over 20 years and has competitive online rates few insurers can match. Get your quote on-line today and qualify for instant discounts that can save you even more.

Auto Insurance Pricing Factors

There are several core factors that influence car insurance premiums the most. These include:

1. The Automobile you Drive

If you are in the market for either a new or used car, then just don’t think about the engine performance or color you want. You need to also pay attention to the average insurance rates for the automobile you are thinking of getting. This is so important because you could end up with a car insurance bill that doesn’t fit in your monthly budget. In general, newer more expensive cars cost more to insure. This makes sense because if you total a new vehicle, the insurer will have to replace the value of it, which will be way more than a cheaper used vehicle. In some cases, this can be more than a 90% price variation. For example, a 1998 used Ford Escort valued at $1,200 will cost so much less to get covered than a $75,000 new Jaguar because of the massive replacement price difference. If you are on a budget and hate paying out huge premiums, then get a used car with a 4 cylinder engine and watch your insurance costs go down. On the other hand, if you have money budgeted for a new car and are willing to pay more for coverage, think about raising your deductible and you will save 10% or more on your ins bill.

2. Your Age

To all the young millennials out there, it might sound like age discrimination, but you are going to pay a huge amount for automobile insurance if you are between 16 and 25 years of age. There is almost no way of getting around it, even if you are a super careful driver. The reality is today’s teenagers and young adult drivers are taking big risks while driving, like texting and “facebooking” behind the wheel. Distracted driving accidents are on the rise and so are insurance rates. If on the other have you are over 25 and have a good driving record, you can get low priced coverage if you shop around. You can always take a defensive driving class too, no matter your age and get a small discount of about 5% from most car insurers.

3. Your Driving Record

Unlike your age, you can control how you drive. A persons driving record plays a huge role in the cost of insurance coverage. Insurers give big discounts to drivers who do not have any infractions on their record or accidents. This is a big incentive to drive carefully and responsibly. Not only will it lower your insurance bill, but it will also reduce the chance of you getting into accidents. If you have tickets on your DMV record, get them cleared up as soon as possible, so you can qualify for cheaper insurance.

Another company with web-based pricing is good to go insurance. Now that you have learned a few tips on how to get cheap car insurance online, apply for a free rate check-up at the new good to go insurance website or over the phone. You can save hundreds in minutes and select the exact insurance plan, all online.

 

Auto Insurance For Your Teenager Kids

IIHS further suggests that immaturity leads to various risky habits for examples ignorance towards speed limit and the inability to recognize or respond to hazards. It is therefore not uncommon for auto insurers to charge high premium rate for young drivers. To help lower insurance cost, IIHS recommends parents to only let their teenagers drive safe-vehicles with at least these 4 basic principles:

· Low horse power: vehicles with high-power engines are serious temptations for teenagers to test the limits of their cars.

· Bigger vehicles are safer: small cars are bad, because they offer little protection for drivers in the event of crash. Small SUVs are still in the institute’s recommendation list.

· Electronic Stability Control (ESC): this safety feature helps apply automatic brakes in times when the vehicle suffers from loss of traction.

· Best safety score: the National Highway Traffic Safety Administration (NHTSA) tests every new vehicle and gives score for safety. Teenagers should drive vehicles with at least 4-stars score (5-stars score is best).

Those principles apply anytime parents buy or choose vehicles for their teens. Although the principles seem restrictive, there are still several dozens of vehicles that meet the guidelines. The good thing is that most low horse power vehicles tend to be the less expensive options in the market. The right vehicle reduces the risk of accidents and improves the chance to get affordable auto insurance quote. However, parents and teenagers must work together to keep the record clean. Here are some suggestions to prevent premium surcharge.

1. Help teenagers understand the traffic laws: by far, the most effective way to keep auto insurance premium affordable is to maintain zero traffic violation record. Teenagers may not aware of what some signs and regulations mean, so parents must be able to help their teens understand.

2. Lead by examples: in ideal circumstances, parents teach their children how to drive. Parents play crucial roles in teenagers’ behaviors behind the wheel. If they fail to set good examples, their teenage children will think that it is fine to break traffic laws and show inappropriate attitude on the road every now and then. Action speaks louder than words.

3. Multiple drivers in one policy: before teenagers are ready to drive their own cars, it is best to list them under their parent’s insurance policy. Some companies offer discounts for multiple drivers. This is cheaper and safer option. An independent policy for teenager is also possible, but the total premium rate can be much higher.

4. Good grades: most insurance companies offer discounts for teenage drivers (who are still in college or school) if they get good grades. Academic achievement is good in all cases, but the discount encourages teenagers to study harder.

5. No sport cars: teenagers love sport cars and crave for the high-speed excitement. Apart from the fact that sport cars are expensive to insure, these performance vehicles are quite dangerous for amateur drivers as well. Even if parents can afford to purchase a sporty car for their teenage son or daughter, they need to be safety conscious. Remember that safety always comes first.

6. Driver education courses: completion of driver education courses at reputable institution opens the door for discount. Not all courses/institutions give instant eligibility, so please consult an insurance agent to find out the available options.

7. Drive with them: teenage drivers develop either good or bad behaviors on the road over time. Sometimes it is a good idea to drive with teenagers and see if they are still as obedient-to-traffic-law as when they first started.

8. No drugs and alcohol: as hard as it may seem, parents need to talk with their teenagers on the subject of alcohol and drugs. Have a personal conversation and discuss the matters without the intention to accuse or suspect if they consume such substances. Respect their opinions and explain the safety and health risks from the consumption of drugs and alcohol.

An independent auto insurance policy for teenage driver may hard to come by. If it is indeed necessary to get one, Non-standard auto insurance market welcomes any high-risk driver regardless of the previous traffic violations, involvement in accidents in the past, or credit score.

Good2Go Auto Insurance is a reputable company that specializes on affordable premium for high-risk drivers. To keep the cost low, the company emphasizes on the state’s minimum coverage requirements, but policyholders can opt for more complete protections with the purchase of the optional Collision and Comprehensive Coverage.

Teenage drivers also have good chance to be eligible for discounts as there are multiple options. Good Student discount is available for those who get good grades in school or college, and the Driver Course is also available. Approval process is easy since Good to Go Insurance only requires basic personal data such as name, address, age, profession, and previous insurer (if any). There is no need to produce full DMV records and credit score. For those with DUI record, it is necessary to bring SR-22 document for application process.