Cheap Car Insurance

1. Buy a low risk car
   Car insurance rates are based on the value of the car, the cost to repair, crash test results, prevalence of theft, and frequency of claims. Many factors affect these criteria, but what you drive can have a big impact on your car insurance rates. You can compare ratings of vehicles at Highway Loss Data Institute. Pick a car that has moderate power, is less popular with young drivers, has a good safety record, and is inexpensive to repair, in order to get cheap car insurance.
2. Clean up your credit score
   Insurance companies not only use car type to determine rates, they also use your credit history to determine if you are a reliable bill payer. Maintain a responsible credit history by paying bills on time, and keeping your credit balance low, in order to have cheap car insurance.
3. Drive carefully
   How you drive has a huge affect on your insurability. Your past driving history is included in the way your risk is rated. Keep your driving record spotless with no infractions, violations, tickets, claims, and you can get affordable auto insurance. [Read more →]

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Buy a low risk car
Car insurance rates are based on the value of the car, the cost to repair, crash test results, prevalence of theft, and frequency of claims. Many factors affect these criteria, but what you drive can have a big impact on your car insurance rates. You can compare ratings of vehicles [...]

Tags: Tips // 1 Comment »

A study¹ done some years ago exposed the fallacy of choosing vehicle safety based only on size or weight.

Crash testing and real world collisions have documented the effects of seat belts and passive restraints such as air bags and proved the benefits of protecting drivers and passengers in the event of a collision with another vehicle or another object.

Better structural engineering and technology have certainly made major improvements in the ability of vehicles to protect occupants from more serious injuries and fatalities.

But what about the ability of a driver to avoid a collision in the first place? Being able to control and maneuver a vehicle well can have a big effect on collision avoidance. Recent advances in using anti-lock brake systems also enable control of a vehicle’s steering to create electronic stability control systems that intervene with the way the driver uses the brakes and power.

By using computer control of braking and throttle a vehicle can be stabilized to avoid skidding, spin-out, and even possible rollover in spite of what the driver is doing. [Read more →]

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A study¹ done some years ago exposed the fallacy of choosing vehicle safety based only on size or weight.
Crash testing and real world collisions have documented the effects of seat belts and passive restraints such as air bags and proved the benefits of protecting drivers and passengers in the event of a collision with another [...]

Tags: Cars // Add Comment »

Car insurance is sold in different packages and combinations. Choose the coverage you need from the available packages that best match your requirements to protect yourself and family.

There are typically two situations in which you want protection: [Read more →]

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Car insurance is sold in different packages and combinations. Choose the coverage you need from the available packages that best match your requirements to protect yourself and family.
There are typically two situations in which you want protection:

Tags: Types // 4 Comments »

When you drive a car you realize you take on risk of damage and injury in a collision. Motor vehicle crashes kill over 1.2 million people worldwide each year, and injure about forty times this number (WHO, 2004). The cost of collisions to the U.S. economy is estimated at over $40 billion, even as roads, car design and vehicle controls improve each year.

The losses incurred by an collision can come from a variety of incidents and incur a wide range of expense. [Read more →]

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When you drive a car you realize you take on risk of damage and injury in a collision. Motor vehicle crashes kill over 1.2 million people worldwide each year, and injure about forty times this number (WHO, 2004). The cost of collisions to the U.S. economy is estimated at over $40 billion, even as roads, [...]

Tags: Coverage // 4 Comments »