Non Owners Car Insurance

By Shadow Boxer

Factors That Will Impact Your Annual Vehicle Insurance Rates

As time passes there is one thing that keeps increasing, your car insurance premiums.? Or how, after receiving a speeding ticket, your auto insurance company suddenly surprises you with a doubled (even tripled) insurance premium?

How about when your teenager started taking out the family car? Did you almost wanted to cry when you saw how much more expensive your insurance costs would be for adding a teenager under your policy?

Everyone is looking for ways to save money, and the easiest way to save a large amount of cash is by looking over your current car insurance coverage and premiums.

The Car

The vehicle make and model is a very large factor to consider when figuring your car insurance premiums.. A more expensive car costs higher to insure for obvious reasons, but did you know that you might actually spend more on auto insurance for a smaller vehicle as compared to a larger one?

Statistics also play a big role when it comes to determining which types, car model, year, and manufacturer would cost more to insure. The vehicle's safety rating or crash test rating will also play a large role in calculating the annual premiums.. The popularity of your vehicle among car theft would also take into consideration.

Your Age

How old you are is another large factor in determining your annual insurance premiums.. Each age group would have its own overall capacity to avoid car accidents, hence each would fall into certain risk profiles.

Teen drivers and beginner drivers cost the most to insure, and so do older senior citizen drivers Apparently, once we hit your mid-twenties we magically turn into safer drivers, hence better rates until we reach retirement. There are years of documented data that can back up the claim that age does effect premiums.

Driving History

How you were, as the driver, for the past three to five years would greatly affect how a insurance carrier determines the risk options you represent for car insurance coverage. From car crashes and collisions you got involved in, even to the smallest of speeding tickets, these would be taken into consideration once your policy is drawn up.

Your Gender

Men drivers are considered higher risk as they get into more accidents and tend to behave riskier, as compared to females drivers, and this goes the same for auto insurance premiums.

About the Author:

You would not believe the rates we are offering on Non Owner Car Insurance. Click here for article submission.

Car insurance

By Tom Martens

One of the biggest days in any teen's life is the day they get their driver's license. But with that tiny piece of plastic arrive huge responsibilities. One of those responsibilities is auto insurance. Every newly licensed driver must arrange for adequate auto coverage.

Auto coverage for teenagers is very expensive. Teens are considered high-risk drivers because they are less experienced and have more accidents. You should not let that stop you from earning your diver's license, however. With a little planning, teens who drive can find ways to save money on their auto insurance premiums.

The first thing a teen driver needs to do is to get several quotes. These quotes should come from licensed insurance providers. Different companies define teenage risk in different ways, which means one company may charge you a lot while another company may only charge you a little. There is a lot of competition in the insurance trade, and an insurer who knows you are talking to a competitor, might, just might, be willing and able to offer you a lower premium. But you have to ask, and you have to be willing to negotiate. Fortunately, the Internet makes doing insurance research and shopping for premiums a lot easier than it used to be.

If you haven't already, look into taking basic driver education and/or defensive driving. Taking and passing these courses shows insurers that you are serious about driving safely. It allows them to rate your policy as a lower risk, and keeps your insurance costs down, usually about 10%. Talk to an agent about which courses are available to qualify you for a safe driver discounts.

Ask your agent if your company offers discounts to good students or students belonging to a club or organization. See if they extend a discount if your parents belong to a club or organization. Inquire about other possible discounts. This is where it's helpful to check on the net before you see your agent.

Another way to get a great discount on your car insurance is bundling. If you parents have home or life coverage, sometimes their insurance providers will bundle all your policies and offer a discount. Sometimes this discount can be really substantial. And check whether the insurance company offers discounts to household that have multiple drivers or own multiple cars. This is another terrific way to lower your car insurance costs.

If you are a newly licensed teen driver or will earn your driver?s license soon, contact a qualified insurance provider. They can answer whatever questions you may have about car insurance, examine your specific situation closely and make insurance recommendations so that you are properly insured and protected behind the wheel. It will take some time, effort and research, but you could end up saving a lot of money on your insurance premiums, which makes the investment worth it.

About the Author:

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.