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After spending many years in the insurance industry we have come up with a top 10 list of most misunderstood things about car insurance. These car insurance myths are some of the most common questions that most people have about direct car insurance either buying or reviewing their auto insurance coverage. Its better to find out now before you have a claim and it's too late. I just got my 1st speeding ticket my insurance rates are going to go way up. Reality: If this is your first ticket your rates probably won't even change. Most direct car insurance providers will give you a pass if you don't have any other tickets or claims in the past 3 to 5 years depending on the company. That new Plasma TV I bought last year won't affect my Car Insurance Reality: If you didn't pay the credit card you charged it on then it just might. Almost all insurance companies now use some form of credit scoring when determining not only if you will qualify for insurance, but also what you will pay. There can easily be 50% difference in rates for a person with excellent credit to someone with poor credit. I just slammed my car door into my lawnmower parked in my garage, my homeowners policy will cover it Reality: Your homeowner's coverage has nothing to do with covering your car. The only way your car will be covered is if you have Comprehensive (Comp) coverage for your car. And then only after you pay you deductible. I just cracked up my friends car and I tell him don't worry my insurance will cover it Reality: It will but only after your friends policy pays first. So let's say your friend has a $500 collision deductible and you have a $250 deductible. You would have to give your friend the $500 for his deductible as his insurance company is Primary. Meaning your insurance will only pay after his policy limits are exhausted. So just remember in this scenario your deductible does not matter its going to be based on your friends. If you're riding your bicycle and get hit by a car your car insurance won't get involved Reality: If you get hurt or killed while riding your bike or even walking down the street you maybe surprised to learn that you may be covered by your direct car insurance policy. If the person driving the car didn't have any insurance or not enough insurance to cover your injuries, your Uninsured or Underinsured coverage would pay for your claim. Someone just broke into my car and stole all of my personal belongings out of it i.e. Cd's, Cell phone, Christmas Presents, my car insurance will pay for it. Reality: Your car insurance does not cover your personal belongings left inside the car. You are going to have to file a claim with your Homeowners or Renters insurance policy to be compensated for these items. The general rule of thumb is your car insurance will only pay for items that are attached to the vehicle I am going to be charged more for my Car Insurance because my car is red, blue, black, pink... Reality: The color of your car has absolutely nothing to do with your rates. If you like red buy a red car, if you like black buy a black car. Don't ever let this silly nonsense stop you from buying a car. I didn't have a car for the last 2 years, this won't affect my rates. Reality: Not having continuous car insurance is frowned upon by most direct car insurance companies now a day's. Some companies won't penalize you for not having prior insurance. If you don't have prior insurance make sure you have a good excuse like you took the bus, or you were in the military, or some other legitimate reason. Oh and by the way I couldn't afford my insurance is not on that list Telling a little white lie on my insurance application won't affect my coverage if I ever have a claim Reality: This is one of the worst things a person can do. If you lie on your insurance application there is a good chance you won't have any coverage when you need it the most. You think they won't find out? Remember these 2 things when insurance company is on the hook for a ton of money. #1 They are going to start asking questions and the first thing they look at is your application. Wouldn't you if you were them? And reason #2, the insurance companies have more money than god and they have people working full time to find this stuff out. Buying a cheaper more reasonable car will be less to insure the a more expensive car. Reality: There are a lot of different factors insurance companies use to determine rates, however there are many times were the rate for the more expensive car is less than the cheaper car. One of the biggest factors for the Comp and Collision coverage's are how much do replacement parts cost. Sometimes on those cheaper cars or the more exotic cars the replacement parts can cost a lot to replace. So just remember the next time your online looking for a cheaper insurance policy, to consider some of your options. There are hundred's of direct auto insurance companies out there looking to get in your pocket, just make sure when the time comes you can get into theirs.ioma lawyer

Most consumers do not bother reading the terms in their insurance policy - they simply call around for lowest insurance quotes and purchase the lowest bid. In the long run, this isn't always the best approach, and won't always save the most money. However, let me assure you, car insurance best rates are achievable. Saving money on car insurance requires a combination of techniques that improve your insurability, decrease the rate of insurance for your vehicles, and provide you with a unique advantage when it comes to purchasing car insurance. This article will outline seven techniques that will ensure that you receive the lowest possible car insurance rates. #1 - Choosing the Best Insurer Cost is certainly one factor when considering car insurance, but your insurer selection should be weighted more heavily on reliability. You could easily call a number of insurance companies, ask for quotes, and simply select the lowest bidder. However, even if the lowest cost insurer saves you hundreds of dollars a year in premium payments, that savings does you no good if you find yourself in an accident, needing car repairs or medical attention, with an unreliable and unresponsive insurance company. A good company is crucial. It's not just about car insurance best rates. #2 - Customize Your Policy Before you begin calling around, it's important that you determine the level of insurance coverage you need. Not everyone's insurance needs are the same. Some families own two or three very expensive vehicles, while other families own only older used cars. Some people are members of AAA, while others are not. The specific terms of a policy should be determined by your life situation and the value of the items being insured. #3 - How to Become Highly Insurable Whether you've already purchased car insurance, or you are getting ready to start looking, one of the best things you can do to obtain the lowest possible rates is to improve those things that car insurance companies look at when they calculate your insurance premium. There are several things you can do in the short term to improve your insurability standing, and there are also things you can do over the long term to improve it as well. This section will describe four major elements of this technique to save money on your car insurance. #4 - Reduce Your Car's Insurance Rate Another extremely effective technique to obtain the lowest possible insurance rate is to improve those things about your car which car insurance companies value the most when they calculate your insurance premium. There are several things that you can do before buying a car that will dramatically decrease your insurance premium. If you've already bought a car, however, and are looking for ways to decrease your existing insurance costs, there are still methods you can use that will substantially cut your premium costs. #5 - Gaming the System In addition to all of the techniques already listed in this article, there are also additional ways that you can use the insurance industries rating rules and premium calculation system in ways that will reduce your costs. Again, use the industry's rules to get car insurance best rates. #6 - Constantly Update Your Policy One of the most important things that you can do to keep your insurance premium at a minimum is to always remember to update your insurance provider of any changes in your life that can reduce your insurance costs. Forgetting to do this can be very costly. #7 - Deciding on Liability Only There comes a point in the life of a car when the decision needs to be made whether or not it is worthwhile to maintain collision and comprehensive insurance coverage. Getting Rock Bottom Insurance Rates If you carefully follow each of the sections outlined in this guide, you are guaranteed to receive the lowest possible insurance rates for anyone within your calculated risk bracket. No one should ever overpay for car insurance - especially given the fact that there are so many insurers in the industry competing for your business. Most people overpay for car insurance out of sheer laziness. However the consumer that understands how car insurance works, and is clever enough to take advantage of all of its loopholes, will save significantly on their premium in the long run. Before you step foot into another insurance office, or visit another insurance website, make sure to print this guide and follow it carefully in order to ensure that you get the best insurance deal possible. Remember, car insurance best rates are achievable.

A car to a college student is like treasure to a pirate. Having a car at college is a luxury that not many students get to have. Most students ride their bikes or walk to class, but if you are one of the few who gets to drive to campus and take long trips on the weekend, then you have to be prepared for the responsibility of owning a car. And that means you have to be covered with student car insurance. Besides tuition and books, car insurance for students is one of the biggest expenses a student will pay in college. But if you are careful about choosing your student auto insurance, you will be able to work the payments into your student budget and still manage to save money in your savings account. The Basics of Student Car Insurance Finding cheap car insurance for students can be difficult since younger drivers usually have higher premium payments to make. It has nothing to do with you personally, but young drivers just tend to make more insurance claims than older drivers, so insurance companies will charge you more so they can make more money. There are also other factors that can affect the amount a student will pay for student car insurance, such as: Age Gender Driving record Location of vehicle Damage history of vehicle Distance driven daily You can't avoid these factors when you are applying for student auto insurance, but there are many ways that you can lower your premium payments. You just need to take the right steps towards choosing your student insurance. Tips for Choosing Your Student Car Insurance You can't avoid being young and in college, but there are steps you can take to lower your student car insurance payments. And even though you want to find an insurance company that offers car insurance specifically for students, not all of them do, so if you can't get student car insurance, then follow these tips to get a cheaper car insurance plan: Shop Around for Options Find out as much information as you can for at least 3 different insurance companies. Compare their premium quotes and see who has the best benefits for your money. Know Plan Basics Knowing the basics of a student car insurance plan is very important in choosing the right kind of plan for your needs. Not all car insurance for students is the same, but the parts that make up the plan usually cover the same areas. Here are the six basic parts of a student car insurance plan: 1) Bodily Injury - Covers you for bodily injury you might have caused to another person. 2) Personal Property Liability - Covers damage or injury you might have caused to another person's property. 3) Collision - Covers you for any type of accident with another car or with an object like a parking meter or a utility pole. 4) Comprehensive - Covers you in case someone steals your car or something in it, or the weather damages your car. It is best to get both of these types of student car insurance coverage. 5) Personal Injury Protection (PIP) - Covers medical costs and any lost wages from a job for the policy holder and any injured passengers. 6) Uninsured Motorist - Covers you for accidents with motorists who do not have car insurance. Also covers you for hit-and-run accidents. Maintain Good Grades Many insurance companies offer discounts to students who maintain a B average or higher. Make sure you bring proof of your grades when you apply for your car insurance. Apply for all Discounts Even if you get a student discount, always apply for any discount that the insurance company is offering. Most insurance companies will offer you a great deal if you purchase multiple insurance plans together, like car and renter's insurance, and they might even offer you a family discount if you sign up for the same insurance as your family members. Buy the Right Car Before you even get student car insurance, you need to get a car that is right for you. Car insurance is often based on a car's safety probability, so high speed sports cars and smaller cars have a greater risk of damage. They are also more likely to be targeted by thieves, so you should buy a more practical car with good gas mileage and reliability rather than a car that costs more than your entire student budget. Walk or Bike More, Drive Less Even if you have a car, that doesn't mean you have to use it everyday. If you live on campus and you're close to class, either walk or ride a bike and save on gas money. Some insurance companies will give you a low-mileage car insurance deduction if you drive below a certain number of miles each year, so save your long-distance car driving for the weekends. Increase Your Deductible If you increase your deductible - the amount you pay towards a claim before your insurance company pays - then you can save from 15% to 40% on your student car insurance premium. Install Secure/Anti-Theft Devices If your car's seat belts and airbags don't' work, you should get them fixed as soon as possible. Also, if you don't have an alarm system, get one installed. The safer you are against accidents and burglaries, then the less your car insurance company will have to pay and the less you'll have to pay to them. Be a Safe Driver The most important step you can take towards lowering your student auto insurance is to be a safe driver. The fewer driving violations and auto accidents that you have the more money you will save with your car insurance. That means you should never drink and drive, you should park your car in a safe area or in a garage and you should always maintain the proper speed limit. College should be both a fun and safe experience, so if you have a car and use it as part of your daily routine, always have student car insurance for protection. Trish Smith is a copywriter for Green Student U, Student Finance Domain [http://www.studentfinancedomain.com/] and Study Abroad Domain, websites that are devoted to providing college students with helpful environmental, financial and study abroad advice.