Online Car Insurance
What is the best car insurance company, who wont judge on speeding fines and convicions?
I have contacted many car insurance companys, RACV, Aami, Budget direct, and none will give me insurance, because i have a bad recored with speeding, lost my licence a few times and have been convicted of a crime. does anyone know any company that will help me?
Try this site
http://www.usainsurancequotes.net/
here you can get quotes from different companies.
How do you get cheap car insurance for an 18yo?
I need to find cheap car insurance for an 18yo female who owns outright an $11000.00 car. Any suggestions?
I need Australian comanies only please.
i work in insurance in australia.
well, i would have suggested getting "third party property damage only" type insurance, having it for a few years showing the insurance company that you don’t claimTHEN buying a more expensive vehicle. some insurers would take your third party only insurance history into account and give you a discount on comprehensive.
but, as you’ll no doubt want comprehensive insurance on this car, you’ll just have to shop around. "market value" type car insurance is usually cheaper than "agreed value" so you might want to start there.
i always recommend to young drivers to buy a car they don’t particularly care about writing off and insuring it third party only for a couple of years for exactly the top reason.
insurance is expensive for younger drivers as it’s pretty much guaranteed that their car is going to be involved in an accident.
if your parents are insured and you still live at home, try their insure to see if they give out a family discount.
ps. don’t bother trying to insure it under your parents name – it just makes it difficult when you need to claim. imagine, it’s pouring rain, you’ve just had an accident and you need to get a tow truck. if your car is insured under your parents name, then they would need to sort this out for you and if they are uncontactable. well. you get the drift. this kind of thing happens all the time.
Driving Under The Influence (DUI) And Car Insurance Don’t Mix
Drinking and driving is obviously a mistake for many reasons. One of the effects of a ‘driving under the influence’ conviction that many people fail to realize – is just how severely your car insurance rates can be affected. If you’re covered by a policy at the time you’re convicted of a DUI, your rates may increase dramatically or your policy may be canceled. If you don’t have car insurance at the time of a DUI conviction, you may find it very difficult securing future coverage.
Below, you’ll learn more about how drunk driving can affect your car insurance policy and your rates. We’ll also describe the purpose of an SR-22 form, which may be a requirement if you are convicted of a DUI offense and wish to legally drive again. Also, we’ll offer a few tips that you can use to get car insurance in the event that you’re caught driving under the influence.
The Purpose Of An SR-22 After a DUI Offense
Driving under the influence carries significant consequences. If you’re caught and convicted of a DUI, you’ll likely be required to file an SR-22. In its simplest form, an SR-22 is a legal statement (document) that validates that you have adequate car insurance coverage. An offender’s suspended driver’s license is usually returned when this statement is filed.
Most states (there are a few exceptions) legally require drivers who have received a DUI conviction to file an SR-22 with their local Department of Motor Vehicles (DMV). Some car insurance carriers offer special SR-22 coverage for “high risk” drivers, charging much higher premiums. Other insurers won’t offer such coverage and will simply cancel a “high risk” driver’s policy.
An SR-22 form can be obtained from your auto insurance company (once they have decided to insure you) when purchasing your car insurance.
A DUI Can Remain Under The Radar – For a While
Occasionally there’s somewhat of a disconnect between the local court system and the local department of motor vehicles. DUI convictions are supposed to be delivered to the DMV that is located in the jurisdiction of the court. Sometimes, this fails to happen. When a DUI offense isn’t reported to a driver’s local DMV, that driver’s DUI offense may remain hidden, and that driver may be able to effectively avoid filing an SR-22, because their alcohol-related offense is not immediately discovered by their car insurance company. Though this does happen on occasion, insurance providers can eventually learn of a policyholder’s DUI – even years later, and act accordingly.
If You’ve Been Convicted, Don’t Wait To Shop Around For An SR-22 Insurance Policy
A common mistake among those who have been convicted of driving under the influence is waiting until their car insurance policy has been canceled before finding an alternative. If your current provider is canceling your policy, it’s likely because they know about your DUI from your driving record at the DMV. In that case, anticipate other providers discovering your DUI, too.
It’s much more difficult to find a carrier that is willing to offer an SR-22 insurance policy when you’re not already covered. Shop early while you still have coverage from your current carrier. If you find that the larger, established insurance carriers are unwilling to insure you, you may want to check with the independent agents in your area.
Picking Up The Pieces And Planning Ahead After a DUI
Driving under the influence can have a dramatic impact on your car insurance for several years. It can substantially increase your rates or cause your current provider to cancel your policy. In short, a DUI severely limits your options. But, if a DUI conviction is in your past, don’t let it dissuade you from shopping for car insurance. Assuming the DMV has recorded your DUI in their records, you’ll need to pay higher premiums for your policy, but, the alternative – driving without coverage – can lead to hefty penalties, financial loss and even jail time.
Remember, while a DUI conviction can stay on your record for a decade, car insurance companies will typically only use it for premium scoring for 3 years (sometimes less).
Obviously it’s in everyone’s best interest to just say no to drinking and driving. However, if you’re learning this lesson a bit late, it’s best to know your options, plan ahead and work diligently toward putting the experience behind you.
Kade Phillips
http://www.articlesbase.com/insurance-articles/driving-under-the-influence-dui-and-car-insurance-dont-mix-1087960.html
Car Insurance 101 For Teenage Drivers And Their Parents
Things parents can do to help reduce the costs of car insurance for teens:
According to a 2004 study released by the National Highway Traffic Safety Administration (NHTSA), nearly a third of all traffic-related fatalities are represented by teenagers. Further studies have shown that teen drivers are far more likely to commit errors behind the wheel, make poor decisions, and drive at unsafe speeds than any other age group. This is the main reason why car insurance companies attach high premiums to teen policyholders. Their business model is based upon risk management strategies, and teenage drivers clearly represent a significantly higher level of risk.
Fortunately, there are steps that parents can take in order to reduce their teen’s auto insurance rates. Below, you’ll learn 5 ways to control the costs of car insurance for teens while helping to ensure that your teenager also remains safe on the road.
#1 – Watch Their Grades
Auto insurers use profiles to determine the potential risk of underwriting a policy. Good grades usually reflect responsibility and good decision-making skills. As a result, carriers often reward teens – and their parents – with a rate reduction. Each insurance company has varying guidelines regarding discounts on premiums for good grades. Ask your car insurance company about their GPA requirements.
#2 – Encourage Traffic School
Teenage drivers tend to speed, attracting more than their fair share of traffic tickets. Unfortunately, traffic tickets cause their insurance rates to rise. The good news is that their driving record can remain clean if they agree to attend traffic school (if/when the judge offers them the option). However, left to their own devices, a lot of teenagers will avoid spending an entire Saturday in class. Make sure they attend. Not only will it give them the opportunity to reflect on their mistake, but a clean record helps keep premiums manageable.
#3 – Choose A Practical Car
Your 16-year-old son may want a red Corvette, but buying one for him will likely cause his insurance rates to rise. Car insurance companies consider teenagers with sports cars to represent a higher potential risk than otherwise. Opt for a 4-door vehicle that is safe to drive, fuel efficient, and comes equipped with safety features (i.e. airbags). Your teenager’s insurance premiums will be lower.
#4 – Add Them To Your Policy
It’s usually more cost-effective to add your son or daughter to your family car insurance policy than it is to open a new policy for them. If you can have them categorized as a “part-time” driver, you’ll enjoy lower rates. Carriers consider full-time teenage drivers as a higher risk; the premiums will reflect that increased risk.
#5 – Cultivate The Right Attitude
Despite what a lot of parents think, their teenagers often become involved in traffic collisions because of their attitude toward driving, not a lack of skills. Young adults develop a sense of invulnerability. As a result, they often neglect to drive safely. This lack of concern while behind the wheel leads to traffic tickets and accidents.
Ride along with them. Take note of their driving skills, decision-making ability, and attitude. If you can nurture the right perspective in your son or daughter, they’re more likely to drive safely and keep their record clean. And remember, a clean driving record leads to lower car insurance premiums.
Parents, Teenagers, and Premiums
Teenage drivers are at an immediate disadvantage. They’ve already been profiled by auto insurers as a high-risk group and are instantly saddled with higher insurance rates. That said, parents can take a few savvy steps in order to help manage the costs. By encouraging good grades, traffic school (when available), buying a practical car, and adding them to a family policy, they can keep the premiums at a reasonable level. Finally, they should invest time to cultivate the right attitude toward driving. By doing these 5 things, parents can significantly lower their – and their kids’ – auto insurance rates.
Kade Phillips
http://www.articlesbase.com/insurance-articles/car-insurance-101-for-teenage-drivers-and-their-parents-1087958.html