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Auto Insurance for Young Drivers March 18, 2010

Posted by newboyinfl in Uncategorized.
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Trying to find young drivers auto insurance? Before comparing insurance quotes it is a good idea to discover as much as you can.

Knowing what factors determine young drivers auto insurance rates will save you a lot of time and money. This is the key to finding cheap insurance.

You may be astonish to discover that when it comes to car insurance most people pay considerably more than they really have to. By far the most common mistake is not comparing several quotes.

As you probably know auto insurance for young drivers can be really costly. In order to find the best combination of good coverage and low cost insurance rates, you must go the extra mile.

One of the biggest problems new drivers face is their lack of driving history. Sadly, there is not really a lot that can be done about it. The majority of insurers treat all young drivers the same way in the high-risk category. It is a fact that because of their inexperience drivers under the age of 25 are about 3 times more likely to be responsible for an accident compared to a diver over 60.

It is not surprising that a huge number of careful young drivers feel penalized by the insurers. In the eyes of many, having to pay up to five thousand dollars per year is unfair. There are, of course, things that can be done to aid the situation. You can lower your insurance premiums if you maintain good grades at school, drive an ‘insurance friendly’ vehicle and reduce your yearly mileage. Did you know that many insurers do offer up to 25% discount for students who maintain a B average.

Every young driver needs to focus on establishing an excellent driving record. Keep in mind that even a single traffic violation may significantly set you back on your quest for better insurance rates. Even a small accident can be an excuse for many insurers to double your premiums.

It is a great idea for parents to pay attention their childs driving habits and behaviour on the road. Encouraging proper driving practices will help your son or daughter to establish a sound driving record and help avoid future accidents.

Make sure you check if your state has any regulations and safety laws which apply to young drivers. There are passengers restrictions in the states of Georgia and New Jersey, Florida and California have night driving restrictions for young drivers.

Also keep in mind that in order to apply for a drivers license, same states may require completion of several hours in a driver’s education course.

See also: Auto Insurance For Women Is Cheaper


Car insurance rates indicate that women are better drivers than men March 6, 2010

Posted by newboyinfl in Uncategorized.
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Interesting article about auto insurance for women

The fact that women are more responsible drivers than men has been proven by recent insurance rates data.

Of course, this doesnt mean they are guaranteed low rates with the first quote they get. In order to find the best deal, women also need to shop around and compare rates.

Men may like to think they have the upper hand, but when it comes to auto insurance goes, they simnply do not.. Auto insurance rates for female drivers are often cheaper than those for men.

But why do female drivers enjoy lower premiums?

Statistically speaking female drivers are less likely to be high-risk drivers. Apparently, female drivers are much more likely to obey the law, drive safely and comply with their auto insurance requirements.

Men tend to be more irresponsible drivers. Women, however, are unlikely to break the law intentionally. It is much less likely for a women to jump a red light or overtake dangerously.

Are women considered to be safer drivers?

Statistics show that yes, women are safer drivers than men. There are two main reasons for that, female drivers are usually more observant and responsible. Women pay more attention to other drivers and road signs than men do. It comes as no surprise that being observant means less accidents are caused by female drivers. Statistics have shown men are the cause of accidents more frequently than women by more than 50%.

Being very protective is a characteristic a lot of women have. It is very common for female drivers to use their cars to drive their kids to school. The first thing they think of is the safety of their kid, and this makes them more careful.

Not only are women protective of their children, they are protective of their jobs. For many women it is hard to land the higher paid positions. Being absent due to an accident could very well result in the loss of their hard earned job. It is obvious that being a careful driver is very important to most women, especially those who have a family and a career.

Things may well change in the future as more women pursue careers and there are more stay-at-home dads.. Until then, women have the right to demand cheaper auto insurance rates.

Here are more articles on the subject:
cheap car insurance for women
women pay less for car insurance

SR-22 Insurance quotes CA Explained March 3, 2010

Posted by newboyinfl in Uncategorized.
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California Insurance Proof Certificate

Insurance policy which requires the filling of an SR22 form is often called a SR22 insurance. Your insurance company has to submit this form to the California Department of Motor Vehicles (DMV), if you are obliged to provide a proof of financial responsibility. Bare in mind that a copy of your insurance or your insurance card can not replace an SR22 form and will not be accepted by the DMV as a sufficient evidence.

In California the minimum insurance requirements are:

* 15,000 for injury/death to one person
* 30,000 for injury/death to more than one person
* 5,000 for damage to property

Who needs SR22 Insurance in California?

In most case an SR22 form is required for one of two reasons. DUI, driving under the influence is probably the most common reason. Causing an accident while driving uninsured is the other.Regardless of the reason, be prepared to have your driving license suspended. The car insurance law in California is very tough. You will have to participate in a DUI program, but the worse part is that DUI conviction may even mean going to jail. One year without a license is the punishment for driving uninsured.

What is the SR22 filling period?

three years is the period during which you will have to maintain a proof of financial responsibility. In order to reinstate your drivers license, you will be required to pay additional fees. On top of everything, during this period you will be put in the ‘high risk’ drivers group.If your filling period expires or your auto insurance in cancelled, the DMV will be notified by your insurance company. If you let your insurance lapse during these 3 years and SR26 form is submitted, your license will be suspended by the DMV.

It is important to know that SR22 is state specific and California SR22 insurance is valid only for California. Moving to another state will mean that you will need a different policy.

The sad reality is that due to SR22, your insurance premiums will go up. This makes shopping around for the best car insurance deal absolutely essential.

For more information about SR22, please visit:
SR22 Form
SR22 Insurance