I Was In An Accident, Will My Car Insurance Rates Go Up?

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You were on the phone, got distracted and before you knew it traffic had stopped, giving you no room to stop and you rear end the girl in front of you. Or, let's say you're driving along and a deer jumps out and rams into the side of your door.

Now, let's say you need to file and claim and get your car fixed. But, are your rates going to go up?

In the first case, more than likely they will depending on how much your insurance company pays out to fix both cars and medical bills if anyone was injured.

But in the second example, there is a demand global rates should not see an increase at your renewal. If you have a long history of hitting deer try to get people from PETA. Or, if you have a lot of glass damage claims then files may affect rates or you can have a more comprehensive deductible when glass damage if small to be less pay for your deductible and paypocket.

Part 2: How long does an accident stay on my record?

Ok, so back to the example where you rear ended someone. We have already established that you are going to see your insurance rates go up. Now, we need to find out how long and how much will they go up.

State insurance boards usually allow insurance companies to charge for a accident for 3 years from the day they started charging for it. Not from the time you got into the accident. You got in the accident in December and your policy runs from October to April. Your rates won't be affected until April of the next year and the surcharge will drop off 3 years from that April.

How much will your rates go up? Are they trying to get back the money they paid out for my claim? You can usually expect a rate increase of between 20-40% on average per six months. They could go up even more if you lose some discounts you were getting, such as a claim free discount.

The increase is not a recoupment of the monies paid out by your insurance company. It is designed to charge you a premium based on the risk, or chance, that you will get into another accident in the next 3 years. You are a higher risk to the insurance company and they are able to charge you for the higher risk you present to them.

If it was based on how much the insurance company paid out then you wouldn't be able to afford it if you totaled out your 2004 Nissan Maxima at $25,000 and you had to pay that back within the 3 year surcharge period. Makes sense? Good, now get off the cell phone!

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Can a young male drivers really cheap auto insurance rates? Are

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We receive many requests on how to find cheap car insurance can be, and almost all the questions to find cheapest car insurance for men - particularly young, unmarried men.

Instead of just going on and why is it so difficult to find an insurance policy if a cheap car guy're younger, we went to (you will find the best prices on a hypothetical situation, namely the young male), and show not only how we did - but where you can.

In To be a good candidate but not the floor of the high risk, we used a few barrels of the most important factors that insurance companies make use of risk assessment, and came with a less than ideal, but not the majority of men with high risk.

The Process of Auto Insurance
First, we need to put online, the rapid some free insurance quotes is one that not only, but competitive. Our favorite is Quoteserv. Now that we have found our place to get car insurance> Insurance quotes from a few different insurance companies is to start time there is complete.
Male: 24

Marital Status: Single

Location: Manhattan (New York), New York (yes, we know that this is an expensive city to live, to drive and provide a vehicle)

Zip Code: 10008

Date of Birth: 6/23/83

Vehicle: 2006 Audi A4 2.0T Quattro

Rented or purchased for Rent

Vehicle's primary use: to go to work

Vehicle Ownership: Leased

Annual Mileage: 12,000

At the highest levelEducation: Associates

Occupation: Real Estate Sales

Years with current employer: 2

First license: 16

Total number of drivers in the house: 2

Number of claims for accidents in the last 5 years: 0

Number of accidents in the last 7 years: 2 (both violations were fined 6.9 mph over the limit by 1 year of each other)

The license has been revoked in the last 5 years: NO

Had to SR-22-file: NO

Do you have an approved accident prevention, driverImprovement or defensive driving course in the last 3 years: No

Current cover information: This driver is for years with the same insurance company for about 2 and has been continuously insured for over 5 years, or more precisely, since WAS 16.

Type of coverage

Injury: $ 100,000 / 300,000 w / uninsured $ 25,000 / $ 50,000

Personal Injury Protection (PIP): $ 0 Deductible

Comprehensive Coverage: $ 500 deductible

Collision Coverage: $ 500 deductible

Not additional options, including towing, rental or roadside assistance.
Obtaining auto insurance quote
Drum roll ... Ok, stop the drum. These sets are very expensive, but keep in mind that the prices of competitive offers for high risk factors resident in a very densely populated in one of the largest cities in the U.S. Said on prices for the lowest to highest.
Unitrin Direct: $ 2,009.00 / 6 months of premium or $ 334.83/mo
AIG> Car insurance: $ 2,374.37 / 6 months of premium or $ 395.73/mo
Liberty Mutual: $ 6,284.00 / 6 months of premium or $ 523.67/mo
The Hartford: $ 3,839.00 / 6 months of premium or $ 639.83/mo
Auto Insurance Quote at a glance
Ok, so not exactly find low rate auto insurance for a single man with 2 tickets to rent an apartment with a luxury car in Manhattan, but we did not want drivers to make this a perfect example of a low risk in a city low risk.In all likelihood, you will see prices of about 1 / 3 it. The best thing you can do what to get as many quotes as possible, and how companies make it very easy Quoteserv ensure competitive online quote quick car.

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Discount Auto Insurance - How Cheap Insurance

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Shopping for car insurance online? Search for car insurance discount in order to obtain the lowest rate them? Here's how to find and discounts offered.

Discount Auto insurance

auto insurance companies offer discounts for a variety of reasons. Here is a list of discounts, you save money:

* Home / Auto Discount - most insurance companiesTake a 10-15 percent discount if you have your car and your house or condominium with their policyholders.

* Multi-Discount - Many insurers will give a 10-15 percent discount if you have two or more cars and bring them with them.

* Safety and security discounts - you can get a substantial discount if you have installed security and safety devices in cars such as alarm systems, anti-theft devices, airbags and antilock brakes.

* Driver's Education discount -You can make a discount with many insurance companies, of course And if you driving or defensive driving course.

* Low mileage discount - you can get a discount if you drive less than normal, especially if you travel less than 5,000 miles a year.

* Discounts are different - Several companies offer discounts for a variety of reasons, including - with a good ride, with a high, housing your car in a garage, which is not outstanding claims, etc. Ask your agent about Any discounts you canEntitled to before buying a car insurance.

Discount Auto Insurance

discount auto insurance cheap insurance deals because they consider too low, their operating costs.

You can find this site going to compare business insurance. You can fill out a simple questionnaire to fill out and get prices from a number of different A-rated companies The best websites also offer a chat service and atoll-free information hotline where demand for insurance you get answers to your car. (see link below).

If in doubt the reliability of a discount auto insurance, you can make your state insurance department website to see them, how many claims have been lodged against that. You can also use the scores of consumers and reviews of a company by clicking on epinions.com.

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Cheap Teen Auto Insurance

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One of the most common desires of teenagers is acquiring his or her own car. And when they truly deserve it, they do get one. Of course, before you can allow your son or daughter to drive on their own, they must first meet the required age to secure a license. In most cases, being able to secure a license means one thing for teenagers - freedom!

Once you've got your teens their cars, the next thing that you must think about is car insurance. One of the first and most important considerations is the price of the insurance premium. Most insurers charge higher premiums for auto insurance for teenagers. This is because these companies see most teen drivers as being more reckless and accident-prone than adults.

Fortunately, there are ways in which you can lessen the charges for your teenager's car insurance. These factors might help you get a better deal in the future.

1. A spotless driving record. It is essential that you emphasize the importance of observing traffic laws and of having a clean driving record to your teenager. This means that they should avoid speeding tickets and other such traffic violations at all costs. And, while accidents do happen, being more aware can minimize the incidence of one happening. A clean driving record will be awarded with lower premium payments.

2. Look for auto insurance with a greater deductible. The premium payment is usually less for auto insurance that covers a higher deductible.

3. A car endowed with more safety features. It would be more beneficial to get your child a car that has a lot of advanced safety features. Avoid vehicles that fall under the higher hazard ranking class.

4. Follow license restrictions. Teenage drivers need to stick to the restrictions and guidelines that their licenses specify.

5. Get a stand-alone policy. With this kind of policy, your child will be responsible for his own insurance. As a new driver, he will only be allowed daylight driving, a certificate from a driving school, and the like.

As a parent, the most appropriate thing for you to do is to inculcate the value of responsibility in them. Make them accountable for whatever happens to their car. They can even work part-time so that they can pay for one-half of their premium.

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Men vs. Women in auto insurance rates

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Because men usually pay more for car insurance? Women really that big of a discount? What is the problem? In a word: statistics. Young people tend to drive faster, drive does not wear seat belts more, reckless driving, and perhaps of DUI. What can you do? Nothing. But I can help you understand why.

In general, male drivers ages 16 to 25 years younger, more money for car insurance than women of the same, drive the same car for the same range.These statistics. I am tired all of insurance word already, but it's a real discrimination between the sexes make men pay more for the money.

Men travel more - why? Perhaps guide their information? Women usually do not drive their appointments. Reckless actions that teenagers driving? Its called reckless driving and sometimes funny, sometimes ends up in an accident. Accidents mean less money for insurance.

Are men more stupid? longer learning curve? Not onlySee how the females? We will never know the truth. I am not a psychologist and could not begin to give a clear answer.

I can give you good news. If a male driver 25 is therefore reduced insurance premiums. As you get older, maybe you gain more experience. Maybe the statistics change. Of course they do or do not decrease prices.

Even married, if you, your prices will fall to the ground. Again say, the statistics married men are quiet and drivecarefully. I think so, not chasing women all the time.

But to reach women? There are more female drivers than it was 40 years ago. Their injuries are statistically increasing. I would hate for them to pay higher prices and I do not know how the insurance based solely on statistics and their hope, change, then the insurance rates.

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Affordable Car Insurance Rate For the First Timer

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If you are a newbie to the world of auto insurance, fear not! If you follow certain steps, finding an affordable car insurance rate is perfectly feasible and less troublesome than you think. First, understanding insurance lingo is only the beginning toward an affordable auto insurance rate. There are great articles and sites that will offer definitions for common terms like deductible, liability, and other words that impact your affordable car insurance rate.

Once you get a grasp on the lingo, the next step toward finding an affordable auto insurance rate is to know what coverage options are available to you, and then determine what coverages you would like. Once you have that list, you can then compare it to what you need. As you look at different quotes, you will know what you have budgeted toward your auto insurance, and you can then find the quote that gives you an affordable car insurance rate along with the most coverage for that rate.

Also, asking about discounts is a great way to create a more affordable car insurance rate. Most auto insurance companies offer discounts for things like good grades, age, and having multiple insurance policies, so you may be able to get more coverage with discounts as you get a more affordable car insurance rate through those savings.

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Affordable Auto Insurance for Teenagers

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Short of forbidding their teenage child to get their driver's license, many parents feel there's little they can do to avoid the high cost of auto insurance for their son or daughter. Granted, an automobile insurance policy that covers a new driver is likely to be expensive, there are things that can be done to help soften the financial blow. Parents need to be aware of what to look for before they start gathering quotes for auto insurance for their teen.

A safe driver is really the most important qualification of getting a great rate. This is why enrolling the child in a driving course is a great idea. Not only does it help lower the teen's insurance rates but it also provides some peace of mind to the parent. If the child learns how to drive from a professional, they are much more likely to continue obeying the rules of the road which will ultimately result in lower rates.

Even though all kids dream of getting a brand new sports car for their sixteenth birthday, this isn't going to help in the quest to find affordable auto insurance for the teen. New cars simply cost more to insure. A parent is much better off buying a used car and investing the money so when the child is old enough to qualify for a low auto insurance rate they can buy the car they really want.

Many teenagers have after school jobs and there should be an agreement in place that states that they foot part of the insurance costs. This not only makes it more affordable for the parent but it teaches the child about financial responsibility as well. With this approach the child will be well prepared to pay their own auto insurance costs when they venture out on their own.

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