4 Tips For Decreasing Auto Insurance Costs If You Have A Teenager

Posted by on Jan 20, 2016 in Uncategorized

Keeping the cost of your insurance down can be challenging if you have an inexperienced driver on your policy. However, getting your teenager auto coverage is typically a part of life for most parents. The key to avoiding the high cost of doing so may greatly depend on things you do to help reduce your costs. By knowing specific tips that will reduce your auto insurance bill, this can be extremely helpful to you if you just added another person to your policy that is new to driving. Tip #1: Encourage good grades Of course, you will want your teenager to excel in school to have a better life. However, another reason for you to do so is that you may qualify for up to a 10% reduction in the costs of your coverage if your teenager studies hard. Most insurance companies offer discounts if a B average is consistently maintained by the teenager. Tip #2: Buy a used car It’s no secret that older cars will cost less to insure, but these savings can significantly increase if you have a younger driver on your policy. Doing this one thing may allow you to get simply a basic liability policy rather than a complex, comprehensive one that can cost a lot of money. Additionally, be sure to look for a used vehicle that does has safety features, such as anti-lock brakes and airbags included to keep costs down even more. Tip #3: Increase your deductible Taking the time to talk to your insurance agent about increasing the amount of your deductible is sure to be time well-spent. This is the amount that you must pay before your insurance company renders payment for any claim that you file. However, you will want to have the amount of your deductible on hand if you do have to file an insurance claim.  Tip #4: Enroll in a driving course One of the things that cause insurance rates to be higher for teenagers is the lack of driving experience. It’s ideal to offset this by enrolling this person into a defensive driving course. This may allow you to get a reduction in the amount of your overall premium. You can have insurance rates that are within reason even if you do have a teenager on your policy. Be sure to talk to your local insurance agent like one from Axiom Insurance Agency about additional ways to help you save money on...

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Five Important Things You Can Do To Minimize The Costs Of SR22 Insurance After A Drunk Driving Arrest

Posted by on Jan 5, 2016 in Uncategorized

The biggest problem for most individuals who need to get SR22 insurance because of a drunk driving arrest is the additional costs in their monthly premiums.  With a drunk driving arrest in your past, insurance companies look at you as a bigger risk out on the roads. As such, they will not insure you with premiums as low as they were before your arrest. SR22 insurance costs can get out of control if you’re not careful. The following five tips could help you minimize the costs so that you can get back behind the wheel as soon as possible: Consult with a DUI attorney after your arrest Your best bet for alleviating the financial severity of a DUI charge is consulting an experienced DUI attorney for advice. Not only can an attorney help you avoid conviction, but he or she may also be able to offer you advice on upholding your legal requirements for insurance in an affordable manner.  Look into ways you can possibly avoid conviction In some cases, a driver facing a DUI conviction can avoid conviction through performing community service, attending alcohol rehabilitation courses, or arranging for participation in a diversion program.  Diversion programs are a form of sentencing used in criminal justice that permit defendants to avoid conviction. These programs involve a combination of community service, educational programs, and a promise given by the defendant that he or she will avoid certain situations that put them in danger of a future offense.  Don’t get arrested again If you think your SR22 insurance is expensive after one DUI conviction, you should be aware of the fact that your premiums will go up even more if you are charged with multiple DUI offenses.  Carpool to work when possible Some insurance providers will lower premiums if the insurance holder is minimizing his or her use of the vehicle being insured. If you want to have a car available for recreational use but you don’t want your SR22 insurance premiums to be very high, try to minimize everyday use of your vehicle. If you tell your insurance provider that you’re not using your vehicle on a daily basis, you may be able to get lower premiums.  Find insurance discounts you’re eligible for Although the need for SR22 insurance after a DUI charge tends to lead to higher premiums, there are always a variety of different ways a driver can bring down his or her premiums. Some possibilities include participating in a defensive driving course, driving a less expensive vehicle, and seeking a good student discount. Speak to an insurance company like Illinois Automobile Insurance or others to find out what other discounts you may be eligible...

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