by helpyouguys » Sat Jul 17, 2010 02:36 pm
A lot of people suffered from the economic downfall, so luxuries went overboard and people looked for cheaper solutions in life. Most people that needed a car insurance went looking for an inexpensive car insurance instead of a expensive one. The reason, as always money. In this article I will give you a couple of tips how to get a inexpensive car insurance.
Insurance companies use several factors to determine your insurance rate. Knowing these factors is knowing how to get a cheaper insurance. One of the factors is your age. Your age will put you in a price bracket. Another factor is your driving record. If you have a clean sheet you may be entitled to some discounts.
Looking for a cheap insurance company can be time consuming. There are a few things you can do that makes this quest easier. If you want to be thorough and you want that, you have to make a list of insurance companies that you are going to call, email or visit to discover what kind of quote they have. Comparing quotes is the first step in this process. You are going to asked a lot of questions but at the end it is worth the effort. Answer the question as honest as possible and ask every insurance company what kind of discount you can get.
The second advice I can give you is to buy only what you need, do not buy a car with all that extras if you do not need it. How lower the insured amount of the car is how lower the insurance rate is going to be.
Thirdly, before you are going to search for an inexpensive car insurance make sure your outstanding tickets are paid or you have taken a traffic class which will decrease the amount of points on your driving record. The less points you have, the less insurance premium is to be paid. If yo have somebody with a lot of driving experience he or she can state you are a good driver, this may lead to some discount on your insurance.
Insurance companies use several factors to determine your insurance rate. Knowing these factors is knowing how to get a cheaper insurance. One of the factors is your age. Your age will put you in a price bracket. Another factor is your driving record. If you have a clean sheet you may be entitled to some discounts.
Looking for a cheap insurance company can be time consuming. There are a few things you can do that makes this quest easier. If you want to be thorough and you want that, you have to make a list of insurance companies that you are going to call, email or visit to discover what kind of quote they have. Comparing quotes is the first step in this process. You are going to asked a lot of questions but at the end it is worth the effort. Answer the question as honest as possible and ask every insurance company what kind of discount you can get.
The second advice I can give you is to buy only what you need, do not buy a car with all that extras if you do not need it. How lower the insured amount of the car is how lower the insurance rate is going to be.
Thirdly, before you are going to search for an inexpensive car insurance make sure your outstanding tickets are paid or you have taken a traffic class which will decrease the amount of points on your driving record. The less points you have, the less insurance premium is to be paid. If yo have somebody with a lot of driving experience he or she can state you are a good driver, this may lead to some discount on your insurance.
Posted: Sat Jul 17, 2010 05:03 pm Post Subject: insurance
(I think I sw this SAME post, on the Forum, somewhere). If you have a 'tainted' driving record (DUI's, etc)., your car Insurance quote won't be low. Also...there are a few people, that I know, that they have several 'negatives', on their driving records, they don't have Auto Insurance...because the priums, quoted to them, are very high. They just can't afford it. The information, you posted, is helpful (I think?). However...it's very 'general', as well.
Posted: Sat Jul 17, 2010 05:19 pm Post Subject:
One of the factors is your age. Your age will put you in a price bracket.
Helpyouguys . . .
Your intentions may be well and good, but your advice so far in the various posts you've added is generally flawed. It most likely results from inexperience, which is apropos for this post.
I think, based on some of your other misinformed recent posts, you are in California. California, like a number of other states, PROHIBITS setting rates based on AGE. Instead, California insurance law requires that insurer use "Years of Driving Experience" instead.
AGE is discriminatory, years of driving experience is not.
Think of it this way: one driver is first licensed at age 16, another is first licensed at age 30. Today, both have three years of driving experience. Based on age alone, the 19 year old would statistically have a greater likelihood of being involved in a collision. Based on years of driving experience, both are equal.
Based on age alone, the 19-year-old is penalized, the 33-year-old is not. Based on years of driving experience, both look to be the same on paper. That's why years of experience is not discriminatory.
The 19-year-old cannot claim that since he first started stealing cars at age 12 that he should be given credit for 7 years of driving experience. Experience is based on when a person is licensed, not their first foray behind the wheel!
Same thing is true about licensed insurance agents. An agent who is 25 years old but was first licensed at age 18, has more years of licensed experience than an agent age 50 licensed last year. But here, the 50 year old may actually have a better understanding of insurance than the 25 year old. Your inexperience and inaccurate posts may be a combination of both, but I'd be willing to bet it's mostly the exuberance of youth.
So please be careful with the information you post. Make sure it's accurate, or expect to be challenged.
Posted: Sat Jul 17, 2010 05:27 pm Post Subject:
The 19-year-old cannot claim that since he first started stealing cars at age 12 that he should be given credit for 7 years of driving experience. Experience is based on when a person is licensed, not their first foray behind the wheel!
That comment was an 'eye opener', as well!! :roll: I wouldn't want to have my age 'credited'. I would want my driving record (which is very good, by the way) 'credited' instead. MAX,: I'm curious......how can some of these OTHER 'Insurance Experts' give such INCORRECT information?! I've seen it time and again. An Insurance company would make a post and YOU or another Insurance Expert, on the Forum, would post the ACTUALLY quote/article to prove they are wrong. And......they CONTINUE to post the wrong thing? Hope your 'getting my' comment/concern.Posted: Sat Jul 17, 2010 05:55 pm Post Subject:
I don't think insurance companies are posting here on a regular basis. Agents are. Some of us have more years of actual field experience than others who are newly licensed. But in the eyes of the law, we are equal.
When I post information, it is generally based on knowledge of an Insurance Code, or Securities laws, or actual experience. Many others post from the same perspective. We have spirited "discussions" among ourselves sometimes based on philosophical differences/perspectives rather than legal considerations. In such cases, each of us is entitled to an opinion.
My philosophy of life insurance and annuities may be very different than some other agents. That's fine. In those products, I tend to be a "traditionalist". When it comes to things like property & casualty insurance -- auto, home, even health and workers' comp, its mostly based on an understanding of insurance law, as I teach it. I teach in California, and am extremely well versed in California law (my 1988 master's thesis was based primarily on an analysis of the history and application of state and federal communications law in the regulation of cable television). But I am also involved in insurance classroom product development for the states of Nevada, Colorado, and Texas (in addition to California) for my "national educational provider" part-time-employer, so I have gained some familiarity with the insurance laws of those states.
When I quote insurance law, or offer opinions based on insurance law, I believe I am generally on very firm ground. In addition to reading the insurance code as needed, I regularly read case law and law journal articles to stay informed.
When others make statements that I know are in conflict with state law, it's usually the result of poor training or other misinformation, not an intent to misrepresent something. And some posts are egregiously incorrect. That's sometimes the case with inexperience.
California requires up to 52 hours of prelicensing education, which causes some students to believe they know all there is to know about insurance when they finish the class, and take and pass their licensing exam. But they only need a 70% score to pass, and no one is told what their score is. So I'm sure there are more than a few who believe they answered all 75 or 150 questions correctly, when the truth may be that one more wrong answer and their score would have been a 69%.
So in my short time here on the forum (about 9 months now), I've learned to measure and temper my comments as well. I will always take up the challenge of correcting misinformation and, hopefully, will not post any of my own. But we're all human, too.
Posted: Sat Jul 17, 2010 06:03 pm Post Subject: insurance
Thanks for the explaination. Yes...we ARE all human. Yes....'debates' have been made on the Forum. As you know, I've had 'debates' with some of you (and have lost, I freely admit!! :( ) , because my information was inccorect. Anyway...I know what you're saying. I;m sure, when you're answering posts, it's VERY easy to want to post you're personal opionions, instead of the facts. And, reading different things, on the Forum, the CORRECT information has been posted more than 'personal' feelings. Hope you follow what I'm saying. MAX................................I'm going to send you a PM. Something I need to ask.
Posted: Sat Jul 17, 2010 06:04 pm Post Subject:
I was going to edit my first post to comment on this, when sd... politely interrupted! So here goes.
If yo have somebody with a lot of driving experience he or she can state you are a good driver, this may lead to some discount on your insurance.
This statement is 100% garbage (to be polite). My driving record cannot be used to make my wife's or my son's or his wife's better than it may be. A good driver discount is based on a driver's own personal driving experience, no one else's.
Paying one's fines is always a good idea, but it does not change one's driving record. Taking a traffic school class can remove up to one citation from a person's record, but it cannot erase accidents.
So, to other readers, please take the information from helpyouguys with a cautious eye to the truth. Some of what he is posting is very, very inaccurate.
And no one should be giving advice to obtain the "cheapest" insurance. My counsel to my clients is to obtain the proper amount of coverage at the best price I can provide. I do not expect that everything I offer will be the least expensive, but it won't be the most expensive either. Can they get it for less somewhere else? Of course, and I let them know that, too. But when they get it somewhere else, they don't get me.
Posted: Sat Jul 17, 2010 06:15 pm Post Subject: insurance
, when sd... politely interrupted
And, how......did I do THIS??...LOL HOWEVER I did this, at least I was "polite" about it!! :roll: "Cheap Insurance".....low expensive OR bd Insurance? Can mean either one.But when they get it somewhere else, they don't get me.
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