Cheap Car Insurance for Under 25 Year Olds

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Home Page > Finance > Insurance > How can you purchase a cheap car insurance policy?

How can you purchase a cheap car insurance policy?

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Posted: May 22, 2010 |Comments: 0
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When you want to insure your car, you must shop around and compare the premium rates offered by the various insurance companies. There are different factors that affect your premium rates. A sound knowledge of these factors will help you purchase cost-effective auto insurance. The insurance companies also offer various discount schemes to consumers so that they can obtain a cheap car insurance policy.

What are the factors that affect car insurance premium rates?

When you want to purchase auto insurance, the insurance companies assess various factors to determine your premium rate. Some of these factors are:

• Driving record: If you have an accident-free driving record, the insurance companies will offer you a lower premium rate.

• Credit score: Your credit score plays a decisive role in purchasing a low cost policy. With a high credit score, you can purchase a policy offering low premium rate.

• Age and gender: Insurance companies view drivers below the age of 25 years as more likely of being in an accident and so charge them a higher premium rate. If you’re a woman, you will be able to purchase a cheap car insurance policy as it is statistically proved that women are safer drivers than men.

• Residing area: If you live in a place where there is less traffic on road, you will be offered a lower premium rate. This is because less traffic reduces the chances of accidents taking place.

You will have to pay more for your policy if your car has fancy features on it or the particular car model is susceptible to theft.

What are the discounts that you can obtain?

When you shop around comparing premium rates, you must ask the insurance companies about the discount schemes they may offer you. Some of the discounts that you may obtain are:

• Discount for safety features: If you’ve installed safety features on your car, the chances of it getting stolen reduces. So, insurance companies will offer you a discount while purchasing your policy.

• Discount for students: If you’re an unmarried student below the age of 25 years, you can buy a cheap car insurance policy with the help of the student’s discount.

• Defensive driver’s discount: If you’re over 55 years of age and have completed a class on defensive driving, the companies will offer you a discount.

• Multiple vehicles discount: On insuring more than one vehicle with the same company, you can also get a discount.

If you wish to obtain a cheap car insurance policy, you can also consider purchasing it from the insurance company with home you have insured your house. But price should not be the only consideration. You must give due weightage to the types of coverage and the service background of the insurance company. In this way, you can purchase adequate insurance coverage for your car at an affordable cost.

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Joe Franklin -
About the Author:

Joe Franklin is a finance author and has written many articles. This article is one of them and it provides valuable information on health and insurance coverages which will help you in getting affordable insurance policy.

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Joe Franklin is a finance author and has written many articles. This article is one of them and it provides valuable information on health and insurance coverages which will help you in getting affordable insurance policy.

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Cheap Car Insurance Under 25-Finding A Cheap Car Insurance Quote: Is It As Easy As It Sounds?

Finding A Cheap Car Insurance Quote: Is It As Easy As It Sounds?

Finding A Cheap Car Insurance Quote: Is It As Easy As It Sounds?

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Home Page > Finance > Finding A Cheap Car Insurance Quote: Is It As Easy As It Sounds?

Finding A Cheap Car Insurance Quote: Is It As Easy As It Sounds?

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Posted: Jan 01, 2011 |

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Accidents happen, unfortunately, so it is essential that every driver needs to have insurance on their vehicles. The policy holder pays a certain amount of money to the insurance company every month to keep the policy in place. This amount is called the premium. The insurance industry has grown considerably over the last couple of years, as companies find ‘new and improved’ insurance policies to sell to car owners. When taking out an insurance policy it is important to consider all options and understand the different policies available. Always make sure you know what you are covered for and look out for loopholes in contracts!

Your premium is based on what type of car you drive, how old you are, your sex, how you drive and even your marital status. It is very difficult, but still possible, to find a cheap car insurance quote if you are under 25, compared to someone over the age of 25.

Vehicle insurance can be one of your highest expenses, and often costs more than any other vehicle expense; to top it all off, it is even more expensive for younger drivers. My father recently bought himself I new vehicle and wanted to insure it. I helped him in finding a cheap car insurance quote, and couldn’t believe it when I found more than just one from various insurance companies. I compared quotes he received against I had received about a year ago and the difference in the premium was considerably high. I found out that he will pay less than me, because he is in his 50′s and I am only in my early 20′s. People that are younger than 25 years of age are seen as a bigger risk to insure, therefore they will pay a higher premium than and older person. As the insured get older, the premium decreases.

The quickest and easiest way to look for a cheap car insurance quote would be to look on the biggest information system in the world: the internet. Gather as much free quotes as you cab possibly find and compare them against one another. Remember, the cheapest quote won’t necessarily be the best one, so also compare finer detail such as the instalments, bonuses, premium inflation, and coverage terms. You will also find insurance calculators that will generate and average premium based on the information you submitted. If you are still not satisfied with the results, gather as much information on car insurance as possible and the go to a broker or advisor for assistance in finding the right premium for you. Remember to ask questions: they won’t necessarily tell you something important unless you ask about it.

So far, we have found out that a younger person will pay more for an insurance policy on a car than older people would. We also know that a person’s premium will be based on their age, sex, marital status, driving record and the type of car they drive. I’ll leave the rest of the research to you.

Vehicle insurance is a must-have for all vehicle owners. You will be relieved to be covered if you were to ever be in an accident. Just do proper research, gather quotes and information and ask questions!

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I have an international drivers license for germay. I’m australian and wish to buy a car to get to work here in germany. whats my best option for car insurance?
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Posted by admin on February 6th, 2011 Read More No Comments

Car Insurance For Young Learner Drivers-The Teen Driver’s Guide To Car Insurance

The Teen Driver’s Guide To Car Insurance

The Teen Driver’s Guide To Car Insurance

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Home Page > Automotive > Cars > The Teen Driver’s Guide To Car Insurance

The Teen Driver’s Guide To Car Insurance

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Posted: Oct 20, 2010 |Comments: 0
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Canadians are able to apply for a driver’s license when they reach sixteen years of age. Along with the minimum driving age; Canadians have several other rules which they must abide by to drive on our roads. These driving rules might seem complicated, but really they’re quite simple. They also affect the price you pay for your auto insurance.

Your mom or dad may handle the details (and premiums) of your auto insurance for you. There are many ins and outs in the car insurance world. I’ll quickly explain how your rates are calculated, and several discounts currently available in Canada. We’ll clarify these points below. You’ll receive a crash course on auto insurance as it relates to teenagers.

Finally Ready To Drive (Or Are You?)

Many adults believe that teens are too young to responsibly handle a motorized vehicle. They argue the age at which teens can legally get behind the wheel should be raised. Most provinces have settled for a graduated licensing system instead. It is believed that this type of system allows new drivers to get experience without undertaking big risks.

Every province and territory handles their program differently. For example, in Ontario, there are two stages: G1 and G2. You’re required to hold the G1 license for twenty months before graduating (by passing a test) to a G2 license. Meanwhile, Saskatchewan’s program has 3 levels: Learner, Novice 1, and Novice 2. You can move through these levels in 18 months before graduating to a Class 5 (or experienced driver) license.

Insurance companies keep a careful eye of your progress as you move through the graduated licensing system. At The first level of graduated licensing is often cheap because you’ll be required to have an experienced driver in the car at all times. Insurance companies perceive you to be a small risk when you’re with an experienced driver. Once you graduate, and are able to drive without supervision, your parents’ premiums will rise – often, dramatically. This is because the risk of your being involved in an accident rises.

Why Car Insurance Companies Seem To “Target” Young Drivers

Many teenagers wonder why car insurers seem to “punish” them for being young. After all, premiums are much higher for young drivers. It’s important to realize that insurance companies rely heavily on data when calculating rates. Their data typically shows young drivers are more likely to be involved in events that result in claims.

Every policyholder is assigned a risk class. In the case of teenagers, the risk is large due to their relative inexperience behind the wheel. Moreover, crash rates tend to be higher for young drivers. Since crashes lead to claims – and for the insurer, an elevated risk of insurance loss – higher rates are applied.

Auto insurers don’t “target” teens with higher rates simply due to age. Instead, their rates are based on data that show young drivers – or their moms and dads – file more claims.

Keeping Your Auto Insurance Rates Manageable

Given the above, how can you keep your premiums at a manageable level? Enrolling and successfully completing an approved driver’s education course will help significantly. Insurers consider completion of such a course as an indication of lower risk. They’ll lower your parents’ rates (assuming you are added to their policy), accordingly.

Another key to making sure your premiums stay at a reasonable level is to drive safely (not only during times when your parents are). This is because an accident can cause your rates to rise substantially. This may seem intuitive, but it is important to understand why.

If you are involved in a collision, and you are at fault, your insurance company will assume there is a greater likelihood you will cause future accidents. These will result in claims your insurer must pay. Thus, they’ll raise your premiums to compensate them for the added risk. Bottom line: drive safely.

Learn The Value Of Shopping Around

One of the best things you can do to help your parents keep their rates down is to compare quotes side by side from multiple car insurance companies. This will also help you keep your own premiums down when you move to your own policy. You’ll be surprised by the difference in quotes offered for the same coverages from one insurer to the next. Comparison shopping is the only way to find the best package for the lowest price.

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Kade Phillips regularily contributes articles which help teenage motorists make wise auto insurance choices. Visit Kanetix today and perform your own auto insurance quote evaluation online today.

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Cheap Young Persons Car Insurance

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What You Need To Know About A Car Insurance Adjuster?

What You Need To Know About A Car Insurance Adjuster?

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If you’re in need of a car insurance adjuster then there are a few facts you should know before you meet with him/her. The first rule of thumb is that if your car insurance adjuster is over friendly remember, he is there to save money for the company he works with, not especially for you.

Don’t ever sign anything without reading every detail and never underestimate the good will of the car insurance adjuster. If the adjuster wants to discuss anything on the phone, request that you would rather meet with him/her in person until after your insurance claim is settled.

You can be pleasant with the insurance adjuster but stay firm. No matter what happened at the scene of the accident, it is not the car insurance adjuster’s fault if the person that hit you was an idiot. Don’t underestimate the importance of an adjuster’s impressions because they all go into your file. The way you act toward him/her could have an influence on your insurance claim later.

Even if, for example, your car hit a deer, insurance adjusters will even be called for this too, to estimate the amount of damage to the car. Again let the adjuster do his/her job and be friendly. When you hit a deer it can cause the same amount of damage in some cases as hitting a car, or even worse. Let the car insurance adjuster look at the damage and make up his/her own mind regarding the extent of damage. Again don’t sign any thing until your car insurance claim is settled.

An independent car insurance adjuster is also expected to settle insurance claims quickly. This person may not owe a particular allegiance to a specific insurance company, but they want to collect the fee from the company. An insurance adjuster’s authority to settle a claim is restricted, but the adjuster will do everything possible to make sure you get treated fairly

The bottom line is don’t let a car insurance adjuster suck you into thinking he’s your best friend in the world, only to be let down later. This is the nature of job and no matter how friendly the adjuster is, he/she is there to do a job. You have little to do with that except provide them with information needed to assess the damages to your car.

Source: http://carinsuranceforyoungdriversquotes.com

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Tips on Car and Auto Insuranse, Car Insurance for Young Drivers Quotes.

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Finding a top-notch car insurance agent should be a top priority for any driver that wants to have the best coverage options—including bodily injury liability, property damage, and collision, to name a few—on their policy for the best rate. But it can be a daunting task trying to separate the good car insurance agents from the bad ones. To talk to car insurance agents now, start by shopping online for auto insurance quotes.

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Tips on Car and Auto Insuranse, Car Insurance for Young Drivers Quotes.

More Cheap Young Persons Car Insurance Articles

As soon as your young person sets out to drive there is no way to avoid the excessive costs which accompany young person’s car insurance. This is why it is so important to learn how to get the most cost effective insurance plan possible. There are 6 principal aspects that you can control when insuring your own teen.The very first detail that you can apply in order to reduce young persons car insurance premiums will be to raise the insurance deductibles. The deductible is the amount you’re accountable to cover at the time you place a claim with your insurance company. For people with a more expensive deductible you spend less for your premium. The reason being the insurance company will need to pay a lesser amount of if there is a claim. The next factor that you can do to reduce a young persons car insurance is to shop around. A number of parents can be talked into costly insurance plans by insurance agents. Don’t let agents to force you into insurance policies; preferably complete the searching yourself using the Internet. By just doing your own personal evaluations you will fully understand that you’re receiving the best bargain for your situation. You need to ardently give some thought to reducing the mileage that your particular kid drives. Teens do not possess the experience in driving that someone needs to commute extended distances. By simply not enabling them to commute excessively you will be safeguarding them in addition to keeping their mileage decreased. Due to …

Posted by admin on February 1st, 2011 Read More No Comments

Cheap Car Insurance For 17 Year Olds-Car Insurance and the Younger Driver

by bluemonkey.

Car Insurance and the Younger Driver

Car Insurance and the Younger Driver

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Car Insurance and the Younger Driver

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Most people learn to drive between the ages of 17 and 25 and as soon as they’ve passed their driving test they think they’re 120% passed as competant drivers. They can take the world on at driving. They’re budding rally drivers and F1 proteges. They know itn all! WRONG! Just ask the car insurers and consider four facts:

1 in 5 drivers crash within one year of passing their test.

1 in 3 male drivers between 17 and 20 years of age crash within two years of passing their test.

An 18 year old driver is 3 times as likely to be involved in a crash as a 48 year old driver.

Young drivers are more likely to be involved in high speed accidents, accidents involving losing control, accidents after dark and accidents during overtaking and negotiating a bend.

So it’s no surprise that any young driver will be classed as a higher risk than older, and more experienced, drivers on the road. Consequently they can expect to pay significantly more for their car insurance premiums. And it’s not just that the basic premium is higher, relatively few young drivers build up many years of No Claims Bonus. This all conspires to very expensive car insuranve. Add this to any penalty points they accumulate and finding competitive high risk car insurance can become a major problem.

This means that to stand any chance of getting a reasonable car insurance quote you have to shop around. If you don’t you can find yourself forking out hundreds of pounds more than you need to. All it takes is 30 minutes searching online. Some car insurers won’t touch young drivers (which they normally defined as under 25 – but if the car is relatively powerful, that can go up to 30.)

But it’s adviseable to start out on your driving career with a low powered car and a low engine capacity. And it’s also good advice to get quotes for any car you’re interested in buying before you buy it. Then you can be sure that you can get insurance for that car and at a price you can afford – before splash out buying the vehicle!

The fact is that these days all car insurance is expensive, but younger drivers are quite rightly perceived to be the highest risk. If you buy an old banger to get around in, it can even cost more to insure the car than it cost to buy!

When you add the cost of insurance to the costs of fuel and road tax many youngsters are priced out of running their own car.

And then there’s the problem of financing the car. The credit crunch has not only hit mortgages. Most lenders are now very choosey when it comes to car finance. Unless you have an exlempory credit record you’ll find the interest charges are very high. If you do have an impaired credit history the chances are that you will not find a lender willing to let you have any loan.

The green brigade will probably be quite happy to see people priced off the road onto public transport but I suspect few young drivers will share their enthusiasm.

Get great deals on personal loans from Loan sure. Please visit our site for helpful articles on loans ,www.personal-loans-finder.co.uk.

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Michael Challiner has 15 years experience in financial services marketing at senior level, the last 5 of which specialised in online marketing. Prior to that he spent 15 years in advertising with two of the world’s top advertising agencies, J Walter Thompson and Saatchi & Saatchi.

Michael now works as the editor of Express Life Insurance on behalf of Andromeda Webs Ltd

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I have an international drivers license for germay. I’m australian and wish to buy a car to get to work here in germany. whats my best option for car insurance?
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Michael Challiner has 15 years experience in financial services marketing at senior level, the last 5 of which specialised in online marketing. Prior to that he spent 15 years in advertising with two of the world’s top advertising agencies, J Walter Thompson and Saatchi & Saatchi.

Michael now works as the editor of Express Life Insurance on behalf of Andromeda Webs Ltd

More Cheap Car Insurance For 17 Year Olds Articles

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Will Your Car Insurance Travel Well?

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If you are planning to drive abroad in the school holidays you need to check exactly what type of car insurance cover you have.

A lady in London was shocked by how much she had to pay out for two minor accidents, even when she had bought insurance for her hire car. The two small scrapes, breaking a headlight and bumping the left wing of her car against a second rental car when parking, would probably have cost her little more than £100 each. Instead, she ended up paying out £1,237 in excess penalties.

When you rent a car in the UK or on abroad, the price includes fully comprehensive insurance but many people are not aware of the inflated excess charges which can be as high as £1,000 on the continent. Online provider, insurance4carehire, confirms this saying almost four out of 10 holidaymakers don’t know that they could be liable for these costs.

One way to get the cover you require without is to pays around £69 for an annual standalone policy, available from companies like insurance4carhire which covers all eventualities (including damage to underbody, tyres and windows, which are usually excluded in excess-waiver policies from car hire companies).

Every year three million British drivers set off to the continent, yet the price comparison website uSwitch says that two thirds aren’t sure if their insurance covers them or not. Apparently, ten per cent of Britons embark upon a driving holiday with the somewhat cloudy and incorrect notion that driving accidents are covered by our travel insurance. Remember to read the small print, whether you are hiring a car or driving your own.

Mistake number one, if you are driving your own car, is to assume that your own fully comprehensive insurance necessarily provides the same level of cover when you are not in the UK. It does not. EU law only states that insurers are obliged to provide the bare minimum – which means third-party cover. This, of course, will not protect against accidental damage, theft or accident claims and only pays out for damage sustained to another person or car.

Ashton Berkhauer, an insurance expert at uSwitch, reckons that very few of the main providers offer free cover more than three days. The exceptions are eCar and Saga, which both provide driving cover abroad for 365 days a year. Barclays it will charge you £21.50 for up to 90 days’ cover, and with Admiral it will cost you £9 for four days and £17 for up to 30.

Paul Baxter of Tescocompare.com recommends that drivers should also make sure they have adequate breakdown cover. Breakdown cover in the UK can cost as little as £30 a year, and the cheapest Europe-wide policy is £69, this covers an annual trip of up to 31 days in Europe (IC Breakdown relating to a 30-year old man driving a Ford Focus with an annual mileage of 12,000).

However, Peter Gerrard of price comparison site Money-supermarket.com points out that some of the less expensive policies (not including IC Breakdown) are fairly stripped-down and you have to pay when the breakdown occurs, then claim the cost back on your return. Single-trip policies can also be bought for about £42 from the RAC, AA and Europ Assistance.

Retrieved from “http://www.articlesbase.com/finance-articles/will-your-car-insurance-travel-well-743255.html”

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Does having a baby lower car insurance ?

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Posted by admin on January 27th, 2011 Read More No Comments

Cheap Young Persons Car Insurance-The U.S. Point System: How It Affects Your Driving Record and Car Insurance Rate

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The U.S. Point System: How It Affects Your Driving Record and Car Insurance Rate

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Learn More About How Each State Utilizes A Point System On Your Drivers License

Ever wonder how the state determines when a license should be suspended? Believe it or not, the traffic police are not out to get you. Most states use what is called a point-system when it comes to your driver’s license.

What Is The U.S. Point System?

The points system helps the DMV track reckless drivers. It is in place to curb the amount of dangerous drivers on the road and enforce traffic laws.

Think of it like a demerits system. Like demerits, points can usually either be added or taken away (depending on your state’s system rules, the accumulation of points can either be a good or bad thing). Each state varies in their implementation of the point system (some states don’t use it at all).

The severity of the moving violation(s) will cause points to be issued to your driving record; this will result in various fines, fees, and eventually, a suspension of your license.

To learn about the point system’s rules and regulations in your area, contact your local DMV and your area’s police department. They can give you more specifics on the point system that affects you. Your DMV can also tell you how many points you have on your record, as well as other details on your driving record. You can use that information to know where you stand as a driver in your state and whether or not you need to get proactive and work toward a better driving record.

How Does The U.S. Point System Affect Car Insurance Rate Quotes

Usually infractions on your record will have car insurance quotes and rates skyrocketing for you faster than you expected. You will end up paying more in insurance premiums, which will go up after you’ve committed a moving violation.

The more infractions (and therefore, the more points) you have on your driving record, the more risky you are to insure. As such, insurers will offer you higher car insurance quotes and rates. Accumulating points and being a reckless driver is not an affordable insurance lifestyle.

What Can You Do About The Point System & How It Affects You?

Keep a regular flow of communication with your local DMV to learn as much as you can about the point system in your area and your personal driving record. Learn how many points each moving violation tallies (the more severe the violation, the higher the tally). Getting a copy of your driving record will definitely help you know how you are viewed as a driver (Are you reckless? Responsible?); you can also see what infractions you can get expunged off of your record through driving school or a few months of driving supervision.

Your DMV can also tell you how to maintain or earn a clean driving record. A pristine driving record is the first step to finding affordable car insurance quotes. To find the best insurance quotes easily and quickly, look online; insurance agents will be in touch with you to offer their rates and policies.

Source: Car Insurance for Young Drivers Quotes http://carinsuranceforyoungdriversquotes.com

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Cheap Car Insurance For 17 Year Olds

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Car Insurance For Women Only

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Posted: Jan 27, 2009 |Comments: 0
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You’ve probably seen the adverts on television for Sheilas’ Wheels car insurance, where three glamorous blonde women are sitting pretty in a bubblegum-pink car. These good-time girls are contrasted to a miserable group of Australian sheep station guys left out of this cheap women-only car insurance deal. Sisters are insuring it for themselves, the message is clear – they can get better deals. But is this female-friendly advertising just another marketing ploy or is their a real benefit for female motorists?

Most insurance companies recognise that women are cheaper to insure and their policy costs reflect this. Certainly this is the case until women reach middle age, according to research by the AA (based on quotes for men and women, driving a Ford Focus and living in Cambridgeshire). For young drivers, age 17, the insurance cost for a woman is £1,938.13 per annum, for men this figure rises by almost £1,000 to £2,906.25. At age 30, the cost for women is still over £40 cheaper at £367. By the age of 40 the saving falls to just over £7. For men and women of 50 years old, the cost for women is just 45 pence cheaper. And by the age of 60, men (for the first time) can enjoy a £7.30 advantage over their female counterparts when their insurance premium reaches £245.40.

The promise of cheaper deals is founded on the fact that, on average, women don’t have as many serious accidents and therefore should be less risky and less expensive drivers to insure.

There is also clear evidence that as regards appalling driving, men are way out in front. Annual statistics from the Home Office reveal that almost three quarters of speeding offences, 96% of dangerous driving offences and 85% of careless driving were committed by men.

Sheilas’ Wheels also markets the idea that car insurance can be tailored to women’s individual needs. It can provide £300 for handbag insurance for example, in addition to offering a counselling line after accidents and the promise of repair practices that are women-friendly. Those that ensure that cars can be available to be collected from garages in daylight or in time for a daily school run.

Pioneer of car insurance for women, Diamond (part of the Admiral group) believes that dedicated services for women form part of a wider social change. The majority of women now have a driving licence (61 per cent of women compared to just over four fifths of men) and insurance that is female friendly and /or exclusively for females is a question of independence which mirrors the rise in the number of single female households and women who own their own car.

Certainly, companies like Sheilas’ Wheels and Diamond are offer some of the cheapest deals in the marketplace but other, non-specialist companies disagree that gender- specific insurance gives the consumer much extra. They warn that these brands are just part of a clever advertising campaign. Sheilas’ Wheels, for instance isn’t even an Australian company but part of the HBOS group, which also includes esure, Halifax and Bank of Scotland.

It is true that it can be misleading to draw general conclusions about cheapness. Altering a few variables like occupation and age can reveal different results. Comparisons show that your postcode, for example, is far more significant than gender. Living in Liverpool can more than double the cost of your insurance whereas living in a rural, low-crime area such as Norfolk will bring the cost of your premiums right down.

The best advice is to check out exactly what is on offer from the insurers and see how it best meets your own individual requirements.

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Get great deals on Car insurance from The Car insurance Store. Please visit our site for helpful articles on Car Insurance. Visit Brokers Online to benefit from its extensive article library covering most areas of uk finance.They also offer Life Insurance Quotes, Car Insurance Quotes and much much more all online.

Posted by admin on January 22nd, 2011 Read More No Comments

Car Insurance For Young Learner Drivers-Compare Car Insurance Quotes Online ? you Can Save Money

Compare Car Insurance Quotes Online ? you Can Save Money

Compare Car Insurance Quotes Online – you Can Save Money

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Home Page > Finance > Insurance > Compare Car Insurance Quotes Online – you Can Save Money

Compare Car Insurance Quotes Online – you Can Save Money

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Posted: Dec 19, 2006 | Views: 543 |

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It is not surprising that statistics show that most Britons simply do not shop around to get the best deal on their car insurance. The choice of motor insurance policies, and insurance companies, is almost bewildering.

However, if you do accept the first quote you are given, whether you are an experienced driver or not, you are simply giving away your hard earned cash to your motor insurance company far too readily.

There are a huge amount of car insurance policies advertised online, in your local press, and a myriad of deals available from the larger retail supermarkets. Yes you want to save time and money, but if you target your requests for quotes properly, you could save hundreds in less than an hour online.

Many car insurance companies claim to offer policies for all types of drivers. Simply asking just any random insurance company for a quote, isn’t going to save you money. If you are a new driver, a learner, a student, or a motorist with little driving history, you need to get a specialist number quotes.

So where do you find these companies?

You could start by using a search engine, asking a friend for a recommendation or phoning a company up for a quote, but before you do anything else -

Stop!

Decide what you want to achieve before you take any action.

Do you want a fancy car insurance policy with lots of extras? Policy add-ons that could cost you more are:

- Having a replacement courtesy car

- Insisting on a protected no claims bonus

- Extra Legal protection

- Taking fully comprehensive insurance if you don’t need it

There are other services on offer from insurance companies, but if you do not really need it, why bother.

So do you want a really cheap price in the least amount of time instead?

Yes, if you simply want a really cheap price, you’re in good company because that’s what over eighty seven per cent of people said in a recent survey.

Follow this simple three step plan to reduce your car insurance premiums online:

1. Set aside just one hour to request your motor insurance quotes online.

2. Get four car insurance quotes (use three price comparison sites and one specialist insurer).

3. After you have received your quotations, telephone the insurance company with the cheapest quote and ask them to beat your best online quote (you don’t need to tell them where you obtained the quote).

The above three steps sound almost too easy, but using price comparison sites really is the most efficient way to begin your search for low prices.

There are a number of price crunching web sites online. To provide you with a rate, they will ask you some basic information about yourself, what level of cover you need, and then request quotes from up to 300 different car insurance companies in a single search.

With car insurance premiums climbing higher each year, particularly for learner drivers, students and young drivers, make the insurers work for your business.

If you are in a statistically higher risk driver group, for motor insurance, the more money you will save. If you follow the above simple three step guide – you will save time and money in your search for car insurance cover.

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(ArticlesBase SC #83583)

Adrian Kelly -
About the Author:

Adrian Kelly writes for CILD. Providing useful information and downloads for car insurance groups, you can also compare car insurance companies online. Save time and money – get free advice at car-insurance-for-learner-driver.com

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I’m looking at the diferent ways of saving money. how can i save money or in what ways will i be saving money with a general insurance policy or company?
I have an international drivers license for germay. I’m australian and wish to buy a car to get to work here in germany. whats my best option for car insurance?
Does hst apply to car insurance ?

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Adrian Kelly writes for CILD. Providing useful information and downloads for car insurance groups, you can also compare car insurance companies online. Save time and money – get free advice at car-insurance-for-learner-driver.com

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Car Insurance For Young Drivers With Pass Plus-Cheap Insurance for Young Drivers is Not Impossible to Find!

Cheap Insurance for Young Drivers is Not Impossible to Find!

Cheap Insurance for Young Drivers is Not Impossible to Find!

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Cheap Insurance for Young Drivers is Not Impossible to Find!

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Finding the perfect vehicle that suits your taste may require a whole lot of thinking but actually, getting the right insurance company would even more require thinking.

To get an insurance company is absolutely the best idea since accidents are inevitable. Anything could happen in the road while you’re driving and so to ensure the safety of your vehicle and the driver as well, there should be an insurance to work with it.

Every driver should know that companies have different criteria regarding vehicle insurance. For one, there is no such thing as cheap insurance for young drivers since most insurance companies would have quite expensive grade for those drivers under twenty five years old. However, there are other options like being part of certain programs that could help lessen or reduce the charge or rate for the insurance. There is what they call as “Pay as you go” or the “Pass Plus”. To get more details about these two, you could check it online to have clearer information.

Another is the gender of the driver. Based on the research done, men are more likely to meet accidents compared to women and so most insurance companies would have premium rates for men drivers than women.

Also, as a consumer, you need to be responsible in getting the best insurance company as there are already loads of bogus companies who continue to make a fool out of any clueless consumer. So, be vigilant and cautious as this already involves money. It is highly suggested for you to study the company that you’re eyeing for. Make a research online. Ask people who already know the company and ask relevant questions that may help you in your quest to get the best insurance company in town.

A good insurance company should have a very good business reputation. It must not have any bad record especially on processing claims as history could repeat itself and you don’t want to gamble your safety as well as your hard-earned money to some fake and misleading company.

Now, if you already have these things in mind then you’re all set to discover which company to look for. Know what benefits you’ll be getting from them and it is always right to compare or make some canvassing. Try to compare them with the other companies and see who among on your list of companies stand out.

Retrieved from “http://www.articlesbase.com/relationships-articles/cheap-insurance-for-young-drivers-is-not-impossible-to-find-2550788.html”

(ArticlesBase SC #2550788)

steve magill -
About the Author:

Being a young driver, car insurance is something to be concerned of. Without a stable income, it can slowly drain your pocket. That is why, finding cheap insurance for young driver is an achievement. The risks for young drivers is higher but the premium does not have to skyrocket. Practical tips for a cheap young drivers car insurance is a must read!

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Ask our experts your Relationships related questions here…200 Characters left

Does auto insurance cover driver or car ?
I have an international drivers license for germay. I’m australian and wish to buy a car to get to work here in germany. whats my best option for car insurance?
Does insurance cover car or driver ?

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cheap young drivers car insurance, cheap insurance for young drivers, cheapest car insurance for a young driver