18 March 2010

Cheap Auto Insurance for Young Drivers

Trying to find auto insurance for young drivers? It is a good idea to discover as much as possible before getting insurance quotes.

Knowing what factors determine young drivers auto insurance rates will save you a lot of time and money. At the end of the day, you will be able to get cheaper insurance.

It is shocking that a lot of people pay considerably more than they really need to for their auto insurance . By far the most common mistake is not comparing quotes.

As you probably know auto insurance for young drivers can be very costly. That's why it is of paramount importance to go the extra mile in order to find the best combination of lower car insurance premiums and good insurance coverage.

One of the biggest problems young drivers face is their lack of driving history. Sadly, there is no quick-fix solution to this problem. Most insurers treat all young drivers the same way as a significant insurance risk. It is a fact that because of their inexperience drivers under the age of twenty five are approximately 3 times more likely to be responsible for an accident compared to a diver over sixty.

It is not surprising that a huge number of careful young drivers feel 'punished' by the insurers. In the eyes of many, having to pay up to five thousand dollars per year is unjust. Of course, there are things that can be done to help 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 must focus on establishing a good driving record. Its important to know that even a single traffic violation may push your insurance premiums through the roof. Some insurers will go as far as doubling your premiums just because of one accident.

Paying close attention to the driving habits and attitude of young drivers on the road is a fantastic idea for parents. Accidents can be avoided if good driving practices are encouraged.

Some states have regulations and safety laws which apply only to young drivers, so make sure you check first. For example, there are night driving restrictions in California and Florida, and passengers restrictions in Georgia and New Jersey.

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

See also: Women Pay Less For Auto Insurance

06 March 2010

Car insurance rates indicate that women are in fact better drivers

Interesting article about auto insurance for women

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

Still, many women do not enjoy rates as low as they should be able to find them. In order to find the best deal, women also need to shop around and compare rates.

It may still be a mans world, but not as far as auto insurance is concerned. Men are in fact almost always paying more for their auto insurance than women

Why do women get better deals on car insurance?

Officials reports suggest that women are lower risk drivers than men. Apparently, women are much more likely to obey traffic codes, drive responsibly and comply with their car insurance requirements.

Men tend to be more irresponsible drivers. It is rare that a woman would intentionally start drving dangerously. Overtaking dangerously and jumping a red light, is not something most women do.

Are women considered to be safer drivers?

When you compare men and women, it is safe to say that women are safer drivers. There are 2 main reasons for that, women are usually more observant and responsible. Men don't pay as much attention to road signs and other drivers as women do. It comes as no surprise that being observant means less accidents are caused by women. Statistics have shown men are the cause of accidents more frequently than women by more than 50%.

Being very protective is a characteristic many women have. It is very common for women to use their cars to drive their kids to school. The last thing they would want to do is drive dangerously and harm their child.

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. So, being a careful driver is essential for every mother and working women.

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 better auto insurance rates.

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

03 March 2010

SR22 Insurance California Explained

California Insurance Proof Certificate

Generally speaking, a policy is referred to as SR22 insurance when an SR22 Form needs to be submitted. Your insurance company has to submit this form to the California Department of Motor Vehicles (DMV), if you are obliged to show a proof of financial responsibility. It is worth pointing out that a copy of your insurance or insurance card will not be accepted by the DMV as a replace of anSR22 form .

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?

Usually, a driver is required to file an SR22 form for one of two reasons. The first, and most common, is conviction for driving under the influence (DUI) of either alcohol or drugs. Causing an accident while driving without insurance is the other.Both reasons will mean that your driving license will be suspended. As you probably know, California has one of the toughest car insurance laws. DUI conviction may even lead to a jail sentence and you will also be required to take part in a DUI program. One year without a license is the penalty for driving without insurance.

Maintain a proof of financial responsibility

You will have to maintain a proof of financial responsibility for three years. In order to reinstate your drivers license, you will be required to pay additional fees. During this period you will consider you to be a "high-risk" driver.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.

SR is state specific, so bare in mind that your SR22 insurance will only be valid in CA. If you move to another state, you will have to obtain another policy.

The reality of the situation is that SR22 means higher insurance premiums. That's why it is very important to shop around and find the best deal.

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