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Have A Bad Habit Of Breaking The Law — Stop: 3

Heather — Fri, 26 Feb 2010 23:06:01 +0000

Parking tickets are something that a lot of people get, especially if they live in a big city. I know that Boston is one place that does not have a whole lot of parking and people that live there, definitely do get a lot of parking tickets. That brings up the point; do parking tickets actually affect your car insurance premium?

Well, the answer to that is a little tricky. Normally, parking tickets do not get reported to the insurance companies, so most of the time, they do not raise your car insurance premium. However, if you completely ignore the parking tickets and do not pay them, they could certainly affect your car insurance premium in the long run.

You always want to make sure that you pay any tickets that you get on time, as that way, you can make sure that you do not get into any trouble.

Have A Bad Habit Of Breaking The Law — Stop: 2

Heather — Thu, 25 Feb 2010 23:00:45 +0000

Now that we have touched on a couple tickets, let’s move onto speeding tickets. By far, these are the ones that will increase your car insurance premium the most. To be quite frank, most of the time, when you are caught speeding, unless the cop is a stickler for the rules, they are going to write you up for only going five over, no matter what you were going over.

I know that personally, I have been caught going twenty over the speed limit and he wrote me up for five and my car insurance premium still rose up. It can go up over a hundred dollars extra a month if you are not careful.

Now, for those of you that live in a big city, we are going to talk about parking tickets next, so make sure that you stay tuned!

Have A Bad Habit Of Breaking The Law — Stop: 1

Heather — Wed, 24 Feb 2010 16:44:24 +0000

If you are one of the many people that are constantly breaking the law on the road, you could actually be not only paying for the tickets but you can also increase your premium on your car insurance. In the next few blogs, we are going to talk about some of the things that can happen when you get a ticket.

Getting a ticket can be very embarrassing, especially if it is your first ticket, but there are different levels of tickets that can actually make your car insurance premium raise up. For example, if you get a ticket for running a stop sign, you are less likely to have to pay more in your car insurance premium.

Speeding tickets though, those are the ones that can certainly get your premium up there. In the next blog, we will talk about speeding tickets.

Common Auto Insurance Myths & Facts: 3

Heather — Fri, 12 Feb 2010 22:00:17 +0000

You know the old saying when it comes to car insurance that the price of the car that you buy is going to cost you a heck of a lot in the premium? Well, it’s the truth. The price tag on your car is actually going to increase the cost of your insurance premium. For example, if you have a sports car that cost a lot of money … you probably will pay a lot more in car insurance.

One thing that you will notice though that the older your car is, the lower your car insurance premium is going to be. If you have the latest and greatest car on the market, you are going to have a high insurance premium but if you have a ten year old clunker, you car insurance premium will be lower.

These are all myths that many people do not think that are true and some of them aren’t – but a lot are. Just pay attention to your policy though and you should be fine!

Common Auto Insurance Myths & Facts: 2

Heather — Thu, 11 Feb 2010 22:00:28 +0000

Now that we have talked a little bit about your car and how the color of your car does not necessarily matter when it comes to how high you car insurance premium is, let’s talk about some more of the common myths that you might come across in the way of car insurance premiums.

One of the first things that you need to understand and that we do stress in this particular blog is that your credit score does matter. To be honest, most people believe that their credit score simply does not matter and that is why they do not take care of it, but it does – it affects everything.

In the next blog, we are going to talk about how your car itself and the price tag on it can affect your car insurance premium!

Common Auto Insurance Myths & Facts: 1

Heather — Thu, 11 Feb 2010 17:51:46 +0000

When it comes to car insurance, there is a lot that I don’t know and I am sure that there is a lot that you don’t know. If you are anything like me, you probably want to know everything there is to know about car insurance and what the myths are about it – well, that is what I am here for! To provide you with knowledge.

In this series of blogs, we are going to talk about some of the most common myths in the car insurance world and how you might be able to avoid some of them. Firstly – one of the most common myths in the way of car insurance revolves around the color of your car.

Have you ever heard the old saying that if you buy a red car you will actually get more speeding tickets or you will pay a higher premium? That is not true in all cases, however red does generally mean a faster car.

Learning the Factors Affecting Your Rates: 3

Heather — Tue, 26 Jan 2010 19:24:25 +0000

Naturally, your driving record has a huge impact on your car insurance rates. Any driving violations are bound to make you pay more. This may refer to a moving violation — i.e., a DUI, DWI, a speeding ticket, a reckless driving charge, and so on — or an accident. Anything like this will put you into a high risk category, and that results in higher premiums. You can be penalized for up to five years with certain companies.

The type of vehicle you drive also affects your premiums. Naturally a cheaper car will cost less to insure than an expensive sports car.

As well, your credit rating plays a big part. If your credit rating is poor or if it is nonexistent, it can put you into a high risk group.

Even your occupation and education can play a part in what you pay.

Learning the Factors Affecting Your Rates: 2

Heather — Mon, 25 Jan 2010 19:18:59 +0000

Next up, let’s talk about marriage. No matter what your particular feelings might be about that, the fact of the matter is that if you are married, your car insurance rates will be less expensive than they would be if you are single. A married driver can have the exact same driving record as a single driver, and still pay less. And unlike your age or your gender, your marital status is actually something you can change.

So, too, is your geographical status. See, where you live can seriously affect your car insurance rates. Specifically, let’s say you live in a town or even a neighborhood where the traffic is very light. In that case, your car insurance rates will be less expensive than those for a person who lives in a city that is very congested.

Learning the Factors Affecting Your Rates: 1

Heather — Sun, 24 Jan 2010 18:14:50 +0000

There are many factors that affect what you pay for car insurance. Amazingly enough, many drivers are not aware of all of them. When trying to understand your rates, however, it is absolutely vital that you know the reasons you pay the rates you pay.

For example, your age plays a significant role in the rates you will pay. It is a universal and statistical fact that people who are younger than twenty five tend to be more at risk for accidents. Believe it or not, the age group ranging between fifty and sixty five is generally believed to be the safest one.

So, let’s strike all those stereotypes about older drivers, huh?

We also need to scrap all those jokes about female drivers, because they are statistically seen as safer than male drivers.

Adding Your Teen Driver To Your Insurance: 3

Heather — Sat, 02 Jan 2010 19:12:58 +0000

We have covered cost savings and studies, now let’s go ahead and cover some of the basics that you need to know when you are adding your teenager onto your car insurance policy. There are a few things that you want to know before you add them – so keep these tips in mind.

One of the first things that you need to know is that your child can only be on your car insurance policy if they are not the main driver of the car. It is not possible for them to buy a brand new or used car and then still be under their parent’s car insurance.

The reason for this is because it can actually ruin their parent’s car insurance record if they get into an accident while on their parent’s policy still. That is definitely something to keep in mind when adding your child.