Low Cost Auto Insurance and Driving Schools
Question: Will Attending Driving School Lower my Auto Insurance Rates?
Read the rest of this entry »Low Cost Auto Insurance and Teens
Why do teens pay higher auto insurance premiums ? Teen drivers are more expensive to insure. Teen drivers are more risky as drivers than adults. Insurance underwriters manage risk for insurance companies. Parents sometimes make their teens pay for their own insurance. Not all insurance companies will insure teen drivers.
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There are some drivers who know the value of car insurance and also that it is required by law, but due to financial hardship they cannot afford to purchase even the minimum coverage. Luckily for Californians who fall into this category, there is a program called the Low Cost Auto Insurance Program, which makes coverage available to safe drivers who meet the standard requirements. These drivers have access to an acceptable insurance policy for a price that can fit their budget. It’s a program that is monitored closely, and there are heavy penalties for trying to commit fraud by providing false information in order to use the program.
Read the rest of this entry »Online Car Insurance – Need Proof Now?
For any driver who needs proof of insurance right now and does not have the time to search individual car insurance companies, make a purchase and wait for a company to mail the proof, you should check out our comparison tool feature to receive free quotes from a list of local insurance companies. You can compare the rates and the companies who provide them and make your decision to purchase the policy right there on the site. In many instances, you will be granted with the ability to print off your own proof of insurance card from your printer. You could also have it faxed to you from our offices if you don’t have access to a printer or would prefer this method. There is also a choice to download the policy and proof card to your computer to print the proof of insurance card later. All of these methods can be used in court to reinstate your driver’s license or vehicle registration, and if you don’t need it right away, you can go “traditional” and request the card to be sent my mail.
Read the rest of this entry »Online Car Insurance – What is an SR-22
An SR-22 is another form of proof of insurance, but this is specifically assigned to drivers who are considered very high risk, have been involved in a large number of accidents, or have been convicted of driving while under the influence of drugs or alcohol. Sometimes, people who have been caught driving without car insurance are mandated to also have an SR-22 in addition to a new insurance policy. It is not additional insurance for your vehicle, but a form that is filled out by your insurer and then sent to the State Motor Department where it is kept as part of your driving record. It is not to replace a policy, but to be used as an additional way to ensure this driver has insurance now. It is also a type of “tag” with the SR-22 to let anyone who views his record know that s/he has not been 100% compliant with the laws.
Read the rest of this entry »Online Car Insurance – Penalties for Driving Without Insurance
Because each state has different requirements regarding auto coverage law, each state will also carry different penalties. Some of these penalties include fines and the suspension of the driver’s license and/or suspension of the vehicle registration. Another factor is how often a driver is found guilty of breaking this law. Subsequent offenses will lead to more fines and jail time.
Read the rest of this entry »Online Car Insurance – Do You Need Proof of Vehicle Insurance
Drivers who need instant proof of insurance are those drivers who were found driving without coverage and need it to reinstate their driver’s license or vehicle registration. There is also a law stating that all drivers need some kind of proof of financial responsibility when they drive. This financial responsibility is often in the form of auto insurance and the “proof card” needs to be in the car at all times so it is available upon request of any traffic officer.
Read the rest of this entry »Online Car Insurance Policy – Can You Get Discounts
Of course you can get discounts. Again, an online policy works just like a paper policy. Anything the auto insurance carrier offers is available by Internet and paper. Discounts for attending safety classes and students who earn good grades are a couple discounts offered by most insurers.
Read the rest of this entry »Online Car Insurance Policy – What Online Policy Is Best?
The best auto insurance policy – be it online or in paper form – can only be decided by the policyholder. All drivers have different needs; some need to insure multiple drivers on their policy, others have multiple cars to insure. Drivers who need lots of medical coverage have different needs than those drivers who have impeccable health insurance and don’t need the additional medical coverage in their auto insurance policy. Assess your needs with what is being offered in your policy, and you will know which policy is best for your situation. Keep in mind that the more coverage you need in your policy, the higher the price will be.
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