Cheap Insurance for Young Male Drivers Guide – 5 Easy Ways to Save With Lessons From a Coach

Cheap insurance for young male drivers is seen as a bit of an oxymoron because men drivers have been statistically proven to be involved in more auto-accidents which means they file more claims. Furthermore, young men are seen as even bigger risks because of their inexperience behind the wheel. So when looking for deals on vehicle coverage males seem to already be at a disadvantage because of the gender-mates that have preceded them. I’d like to talk about five easy ways to save on insurance with lessons from a coach.

One of the great things about sports is the coaches and managers that teach the game. Regardless of what game you pick you will find great people that are teaching skills and life-lessons through their respective sports. The first lesson you can take from a coach to save money is that your identity will follow you. By this I mean that if you establish yourself as a good driver from day one, you will be able to save money on and find cheap insurance for young male drivers. If you start off having accidents and filing claims you are more likely to become a pariah in the eyes of any insurer. So, it is best to establish a good identity early on in your driving life.

The second lesson you can take from a coach to save money on cheap insurance for young male drivers is that safety is very important. Just like coaches wouldn’t want to compromise the safety of their players on the field or court, nor should you want to compromise your safety or the safety of others on the road. Insurance companies will reward you with discounts for having such safety features such as air-bags, daytime running lights, and anti-lock brakes.

The third lesson that a coach could teach to save on cheap insurance for young male drivers is to never make it easy for your opponent to beat you. With car thefts occurring at a rate of 1 every 26 seconds it is safe to say that car thieves may be your biggest opponents. In order to make sure they don’t beat you by making off with your ride; take some proactive steps to stop them by using anti-theft devices such as steering-wheel locks, kill-switches, and GPS tracking systems. Implementing these techniques will qualify you for discounts from most insurers.

The fourth lesson you can take from a coach is that defense is important. By taking a defensive driving course you could qualify for big savings on cheap insurance for young male drivers. This course must be state-approved and should not be taken as the result of a court mandate. If you are ordered to take such a course by the courts you will not be eligible to take advantage of the discounts offered. It is best to just take the course on your own and present a certificate of completion to your insurer in order to be credited with your savings.

The final lesson a coach could give to get cheap insurance for young male drivers is that sometimes less is more. By making a commitment to drive your car less you could actually qualify for deep discounts as a part of insurance companies’ low-mileage rewards that offer savings to clients that only drive a certain amount of miles daily. Be sure to talk with an insurance agent to get specifics about this and to learn how you could best use it to your advantage. I hope this article was helpful in helping you find the best coverage for your driving needs.

Posted in Uncategorized | Comments Off on Cheap Insurance for Young Male Drivers Guide – 5 Easy Ways to Save With Lessons From a Coach

Cheap Insurance For Women – A 9-Point Checklist

So, you’re trying to find cheap insurance. For women, there are two primary issues that you need to consider.

First, you should know that if your insurance agent or your insurance company recommended your plan, you are probably overpaying by up to 50% or more.

Second, when it comes to finding cheap car insurance, knowledge is power. Most of the time, the insurance company has the knowledge. With some due diligence on your part, you will have the knowledge and the power to save significant amounts on your insurance premiums.

When searching for cheap insurance for women, you need to ask lots of the right questions. Write your questions before you contact an agent so that you are organized and can cover each of the questions in detail.

You can use this checklist to guide your search for cheap insurance for women (NOTE: You can find a comprehensive, 40-page checklist at cheapinsurance.how2no.com):

1. Get every discount to which you are entitled. Think of a discount as a premium reduction on your insurance if certain safety, lifestyle, or financial conditions exist regarding you or the vehicle(s) covered by your insurance company.

Create a list of all the discounts you are presently receiving. Then, use an organized approach to discover additional discounts to which you are entitled. Your comprehensive checklist for additional discounts should include a variety of specific vehicle safety features as well as lifestyle issues. Also, certain financial tips might help you achieve a discount (such as paying semi-annually instead of monthly or paying online instead of sending checks).

2. Review and change deductibles for comprehensive and collision. Make sure you fully understand both of these items. When searching for cheap insurance for women, you will find that your decisions regarding comprehensive and collision will revolve primarily around the age and condition of your vehicle(s).

3. Review and change your bodily injury liability coverage. When determining appropriate coverage, there is an accepted formula that requires that you know your net worth. If you live in a state other than Florida, New Hampshire, or Wisconsin, you are required to carry this coverage.

4. Review and change property damage liability coverage. Here again, a determination of your appropriate coverage requires that you know your net worth. If you live in a state other than New Hampshire or Wisconsin, this coverage is required.

5. Review, change, cancel, or decline uninsured/underinsured motorist coverage. Your state may or may not require these coverages. If you are required to carry this coverage, be sure to take steps to minimize your premiums. Some states (including Arkansas, Hawaii, Idaho, Indiana, and New Mexico) have special requirements you will need to understand.

6. Review, change, cancel, or decline no fault/personal injury protection. Depending on the state in which you live, there are a variety of options available. If you live in Kentucky, Massachusetts, or New Jersey, your search for cheap insurance for women will be easier because you can save up to 40% on this premium by electing the proper coverage.

7. Review, add, cancel, or decline medical coverage/medical payments. Tip… if you already have good medical/hospitalization insurance, you do not need this coverage (unless you live in Maine, New Hampshire, or Virginia).

8. Get rid of accidental death/dismemberment coverage, loss of sight coverage, and any other “loss of” coverage. When looking for cheap insurance for women, evaluate other options for life insurance or other types of specialty coverage.

9. Cancel or decline the “extras” and get rid of comprehensive/collision coverage on your old vehicles. This includes items such as roadside assistance and rental car reimbursement.

You can conduct a successful search for cheap insurance for women by simply getting organized and asking the right questions. If you will take the time to prepare properly, you will have both the knowledge and the power to realize significant savings on your insurance premiums.

Posted in Uncategorized | Comments Off on Cheap Insurance For Women – A 9-Point Checklist

Cheap Insurance – Home (7 Best Tips)

Trying to find cheap insurance? Home insurance rates can vary by hundreds of dollars. Both the size of your house and the insurance company are major factors in determining the price you will pay. Here are some examples of how your due diligence can help you save money.

<1>…Shop around… It pays to shop around for cheap insurance. Home insurance premiums differ substantially between companies. Obtain a minimum of three quotes by phoning companies or finding their rates online. Also, you might be able to obtain rate comparison information from your state insurance department.

You should also review info from magazines and independent rating agencies to get a feel for the financial condition of the companies you are considering.

Some companies sell cheap insurance for your home using their own agents, some use independent agents who represent several companies, and some utilize only the Internet or phone quotes. Obtain premium estimates from a variety of these companies.

Rates are not the only criteria. It’s important to locate a company that answers your questions in a satisfactory manner and appears to be fair in resolving claims. Get recommendations from relatives and friends. And again, use your state department of insurance as a resource to evaluate companies.

In case you have an accident or other issues, you will need to feel comfortable with your agent or rep. Remember that while you’re shopping around.

<2>…Your Deductible… This is the amount you agree to pay toward a loss before your insurance company pays anything. Your premium is lower when you choose a higher deductible. You should stipulate a deductible of at least $500, and you might save as much as 25 percent with a $1,000 deductible.

Depending on the area in which you live, you may have separate deductibles for damage from major disasters such as windstorms, hail storms, and earthquakes.

<3>…Multiple Policies From The Same Company… Another great tip when looking for cheap insurance. Home insurance can most often be purchased from companies that also sell auto insurance. Many times, your rates will be reduced by 5 percent to 15 percent if you purchase multiple policies from the same insurance company. Ask for this multiple policy discount then compare it to purchasing single policy coverage from other companies.

<4>…Make Disaster-Resistant Improvements… You can probably reduce your premiums by making your home more resistant to natural disasters. For example, you might be able to reduce your risk for fire and water damage by updating your electrical system, heating, and plumbing, and adding storm shutters and/or shatterproof glass.

<5>…Know Your Costs To Rebuild… In your quest for cheap insurance for your home, do not include the value of your land… you will not have to rebuild your land. You’ll pay a lower premium by eliminating the value of your land from the estimated value of your property.

<6>…Home Security Devices… Discounts of at least 5 percent are common for smoke detectors, burglar alarms, and dead-bolt locks. You might also be able to cut premiums by 15 to 20 percent with some types of sprinkler systems and fire/burglar alarms. You’ll want to compare costs of these items versus savings on premiums.

<7>…Other Discounts… Available discounts vary among insurance companies and among states. You might earn a discount of 10 percent if you are at least 55 and retired. Or you might get cheap insurance (home) if you have modernized utilities. Make sure you INQUIRE about all potential discounts.

In addition, check to see if a reduced-rate coverage plan for groups is available through your employer, understand that some insurance companies will offer cheap insurance (home discounts up to 10%) to long-term customers, review your policy limits as well as the value of your possessions annually, and finally, make an effort to consider the cost of insurance when you are buying a home.

Don’t hesitate to contact your agent or company representative if you have any questions about insurance for your home or possessions. You need to have an excellent understanding of coverages as well as limitations and exclusions before purchasing cheap insurance for your home.

Posted in Uncategorized | Comments Off on Cheap Insurance – Home (7 Best Tips)