Are you a senior citizen looking for the best auto insurance? Have you been with the same auto insurance company for several years and not sure whether you are getting the best coverage for a low effect? Maybe you are looking for lower rates for your parents. Here you will find tips on how to take the first steps in finding a lower rate for car insurance, and a review of the best auto insurance companies and their websites.
First, look for a driving refresher course for yourself or your senior parent, because these courses can lower your auto insurance rate. They may be listed as Senior Safe Driving Courses or Driver Safety Course, but these classes can also encourage you on the road.
Since seniors, in most cases, have had continuous coverage for several years, they can qualify for the continuous coverage discount. Even if you plan to stay with the same auto insurance company, you can also ask your fresh auto insurance company for a list of available discounts you can qualify for, like putting all of your insurance needs into one company and one bill. Putting your auto, home, and life insurance policies into one, can also effect you time, and money.
If you have not filed any claims against your auto insurance companies, or have had very few claims in the several years you have been insured, you can receive a discount for being a advantageous driver. Even if you have the right age, the right car, having a large amount of insurance claims can wound your monthly auto insurance payments.
Some auto insurance companies also offer discounts for purchasing their auto insurance online. In some cases, seniors are not computer savvy and may need assistance, so I suggest asking a relative to help, visit your local library or visit your local senior care center.
Below you will find a review of my top three choices for auto insurance for seniors. By purchasing your premium and paying the beefy payment at once, you will also save money, instead of paying monthly.
Esurance
For standard coverage for a 55 year old senior couple driving a 2008 Chevy Cobalt, with no accidents in the past 3 to 5 years, minimum Ohio state coverage for liability, $100 deductibles for comprehension and collision, towing up to &75, and rental reimbursement of $30 per day up to $900, is about $65 per month or $400 for 6 months of auto insurance coverage. This estimate gives you a small stare at what you would be paying through Esurance. They offer quick and easy payment options online at www.esurance.com, where you can download and print a copy of your auto insurance cards immediately after your payment is processed.
The General
The General auto insurance company offers grievous rates on almost every insurance policy they sell, which makes them one of my favorite auto insurance companies. For about $56 per month or $280 for 6 months, or $550 per year, a senior couple ages 55 will receive the Ohio place minimums for liability, $250 deductibles for comprehension and collision, rental reimbursement of $25 per day up to $750, and towing up to $75 for a 2008 Chevy Cobalt. The only downfall of The General auto insurance is that the lowest deductible for comprehension and collision is $250 each, and they pay lower amounts toward rental reimbursements. You can go to www.thegeneral.com to receive a free quote. If you determine their rates, you can purchase your policy online with a credit or debit card and download and print your insurance cards at home after your payment is processed in minutes.
Progressive
Out of these three auto insurance companies, Progressive offers the lowest rate of auto insurance with the better package deals for a 55 year old senior driving a 2008 Chevy Cobalt. For about $47 per month or $255 for a 6 month premium, you will receive the highest liability coverage, $100 deductibles for comprehension and collision, rental car reimbursement of $50 per day up to $1500, roadside assistance that pays for the cost of service and or reimbursement, loan or lease payoff, and enrolls you into the Myrate conception that saves you 25% off your renewal. Progressive auto insurance is an excellent choice for seniors, simply because they offer ease and convenience. For auto insurance claims, you can call their 1-800 number, and an agent will come to you. You can get your free quote at www.progressive.com. Progressive also offers fast and convenience policy payments online, and you can download and print your auto insurance cards at home immediately after your payment has processed in minutes.
Filed under Auto Insurance Quotes by on Mar 13th, 2011. Comment. 
Many frequent travelers use a GPS to gather from point A to point B and even several stops in between. This allotment of technology has absolutely revolutionized the way individuals take family vacations or even day trips. Knowing where to go is one less thing to trouble about and the many features on a GPS can even make the trip more enjoyable. The latest GPS model manufactured in Korea is called the Black Box and it offers a whole new way to travel.
The Black Box : Mercury Sad Eagle
The Mercury Black Eagle goes above and beyond the passe features of a GPS. The turn by turn navigation, easy access to nearby gas stations or attractions, and even the sleek design are standard on all GPS models. How the Shaded Box differs from other brands are with its newly added safety features. This particular global positioning unit has a camera on it that shows various areas of the vehicle. You can check your blind spot or see what's coming unhurried you without having to even turn your head. Simply shift your behold from the road ahead to the GPS unit attached to either the dash, windshield, or built in and you can notice all around your vehicle while driving.
The device shows a graph of your urge and how you've been accelerating and decelerating during your trip. It also helps you in changing lanes safely and suggesting coast routes that will avoid dense traffic. This unit tells you when you can safely merge onto a highway or into another lane and can even warn you if it believes you are heading into a possible collision!
It Records Too?
This scheme will make insurance claims much easier because it comes standard with a recording device that takes a short video of a car accident. The video is approximately eighteen seconds in length but anyone who has been through a traffic collision knows just how quickly they occur and how much information can be gathered in that short about of time. The video captures the twelve seconds before the accident and six seconds after. Most of the important information will occur during the initial collision and as such there is more time allotted to before the accident. The time after will show anything that happened after the collision that caused further damage. Not only ill this device help prevent accidents, warn you of potential threats, but it will also record the accident.
Filed under Auto Insurance Quotes by on Mar 13th, 2011. Comment.
Senior citizens and older drivers, like teenagers, net themselves at a disadvantage when it comes to car insurance. A number of factors, such as crashes per miles driven and accident fatalities according to age group, cause insurance rates to open to rise once a driver reaches the age of 60. Considered only slightly less risky than fresh drivers there are some things seniors can do to keep the rising costs of auto insurance to a minimum.
Most states now offer extinct defensive driving courses designed to keep driving skills sharp. As is the case with Driver’s Ed, about two thirds of all states mandate insurance companies give policy discounts upon completion of these courses. Generally, the cost for these two day courses is less than $30.00 and may well provide a 10% discount on auto insurance for 3 years. Checking with your insurance agent, AAA, or AARP can get you information on where courses are offered in your state along with actual costs.
Seniors should carefully consider the vehicle being driven for a number of reasons. As a rule most insurance companies give discounts across the board for safety and anti-theft features, updating or upgrading could place money over the long haul. Additionally, as we age our reflexes and reaction time slows, so now more than ever it is important for the car to be properly maintained and easy to operate.
One of the biggest money savers on car insurance is also the most obvious – avoiding accidents. Any driver regardless of age who is uncomfortable during positive conditions such as weather, darkness, or rush hour should simply just not drive.
Joining AAA, or AARP is well worth the yearly fee, not only will it save you money on car insurance in some cases, but it can also save on repairs. Always shop around for the best prices, or at the very least review your policy yearly with an agent to be positive you’re not missing any discounts.
Sources:
http://www.hometownquotes.com/auto-insurance-tips-for-seniors.html
http://www.sbaaa.com/Insurance/Auto/auto_insurance_senior_citizen_drivers.htm
http://www.seniorjournal.com/NEWS/Discounts/2007/7-06-28-SenCitCanFind.htm
Filed under State Farm Auto Insurance by on Mar 13th, 2011. Comment.
You may not think that auto insurance can be dirt cheap, but it’s good. With the right tips, you can be on your way to paying the lowest prices imaginable for your auto insurance. This article will give you 4 great tips on how you can effect a great deal of money without downgrading the quality of your auto coverage.
The first tip is to keep an outstanding credit rating. This is because when you have a poor credit record, your auto insurance rates are bound to go up. This is because the insurers can see how people miss payments on previous credit issues and they do not want to risk not getting paid by you. Therefore, your bad credit rating gives you a more expensive premium. Do what you have to, to get your credit rating high again.
Tip number two, try for a loyalty discount. A loyalty discount will give you a discount of about five percent if you end with the insurance company for over three years and other will give you a discount for staying up to five years. The longer you stop with the company, the more discounts you will receive. If you have a insurance company that gives you a discount but there is another one in town that gives out a better one, you may want to think about switching. You will want to secure cheaper rates immediately and this is a enormous way to do it.
The next tip is to grasp your auto insurance from the same insurer who provides your other insurance policies. Doing this may get you another discount. Most insurance companies give you a multi-policy discount that will encourage you to purchase more discounts from them. Take advantage of this opportunity and put yourself some cash.
The last tip is to visit reputable quote sites and obtain quotes to see which is best for you. This is an easy to design to see how much your auto insurance will cost you without picking up the phone or running down to your insurance company. After finding the right one for you, you can then call and ask for more detail and maybe even sign yourself up. Using these tips can save you a ton of money and time when you are going to find a effective auto insurance company. This may take time to do but after finding the right one, you will be introduced to multiple discounts and more money in your pocket.
Filed under Auto Insurance Reviews by on Feb 26th, 2011. Comment.
1. Whenever you are enthusiastic in an auto accident. DO NOT collect out of the vehicle if it is a busy street! Call 911 for help. If you don’t have a cell phone, someone driving by will normally call for help. The reason why, you could get ran over by another vehicle! Wait until the rescue workers come at the scene. If you are not severely injured, the rescue team will have the traffic blocked, by then, you can get out and talk to the police officers and paramedics.
(If you are not injured, be sure to procure the other drivers fat name, phone number and the name of their insurance company, policy number and the insurance companies claim phone number (if available).
Also, try to rep a name and phone number of anyone(s) that witnessed the accident. Normally, police officers don’t do this, unless it’s a severe accident with major injuries or fatalities and that also really just depends on how much time they have. Police officers will beget out an accident relate, but if it’s a minor accident, a lot of the important details could be missing if you have to go to court years later regarding this accident).
(Part 1 continued:) If you have a camera phone or any camera available, retract any photos you may think that would be relevant to this claim, especially your vehicles and possible injuries. Ironically, if your vehicle is drivable, you could get hit the very “next day” and the insurance adjuster will try to dispute your property damage. Take photos of your vehicle as soon as possible.
The body shop, insurance appraiser and insurance inspectors will take photos, especially if you have filed a personal injury claim. DO NOT Issue THE INSURANCE COMPANY that you have these photos in your possession. This is what attorneys call “keeping an ace in the hole” If you hire a law firm to handle your claim, they will explain the reason why?
2. Personally, I would go ahead and call the other drivers insurance company to pick up out if they have a “valid” insurance policy, even if your at the emergency room. The reason why, is because there are so many drivers without valid insurance. You can always file a claim with your insurance company for an un-insured motorist accident, if this is included in your insurance policy, unfortunately, you will have to pay the deductible. “Hit and Run” accidents are treated in the same manor. If the other driver does not have valid insurance, you should report this to the police department and your insurance company immediately!
3. Go ahead and file your claim with the other drivers insurance company, be sure that you give them the actual phone number where you can be reached night or day. These adjusters will normally only call you once and it’s literally impossible to call them back without getting their voice mail! DO NOT VOLUNTEER a lot of unnecessary information when filing your claim, I don’t know this for sure, but the CSR claims taker could possibly be recording your conversation for the claims adjuster to analyze whenever they do finally call you. These adjusters get paid good money to support their cost of expenses down. Unfortunately, because there are so many false or fallacious claims, adjusters are forced into this situation.
4. Write down immediately what happened on a notepad the events that took place regarding this accident or place it on a computer file. Be clear to write down every detail you can possibly think of such as: Was it raining? What time of day was it? Was there a lot of traffic? How were you struck? Was the other driver superb? Did you have any witnesses? Was your vehicle drivable? Did you go to the emergency room? What happened in the emergency room? Also, if you have to hire an attorney, the first thing they will ask for, is to see your notes.
5. What documents do you need to keep after this accident? All medical bills, rental car receipts, gas card purchases, time of expenses driving back and forth to the doctors office, loss of wages check stubs, photograph receipts. Also, get a copy of the value of your vehicle, such as the N.A.D.A book that banks often use or the www.nadaguides.com in the consumer section. Majority of the time, the adjuster will only offer you the wholesale value or the lowest price if your vehicle has been declared totaled. This is what claim adjusters call “Fair Market Value” versus expense of repairs.
6. Whenever the insurance adjuster does finally call you, they will most likely also offer you the lowest price for repairs to your vehicle. This is standard procedure. “Do Not scream at these people!” This will only make matters worse and they might not call you relieve for a month! You can always decline their offer and wait a couple of weeks, to peruse if they may up the offer especially if your vehicle has been totaled!
Also, if you have personal injuries, they may assign a different claims adjuster that specializes in personal injury claims. This usually happens in the bigger insurance companies like State Farm and Allstate from what our attorneys have told us. Be positive to also get the adjusters fax number, and you can fax them your decision. DO NOT send them unnecessary statements, they can and will use this against you in court! We found this out the hard way with Status Farm Insurance!
7. If you have a personal injury, you can always use this as leverage to get a rental car, especially if your vehicle has been totaled, by telling them you need a vehicle to drive abet and forth to the doctors office. If your vehicle needs to be repaired, I would recommend getting an estimate from someone that is NOT affiliated with the insurance company. Some of these insurance appraisers will try to cut their losses on repairs and you may have to slay up paying the balance. Some insurance companies will sigh you a check and some will make out the check to the body shop once your vehicle has been repaired.
8. If you settle your property damage claim without using an attorney, be sure that the contract does not have any words like “injury” or injuries sustained” anywhere in their contract, especially if you filed a personal injury claim. You will have to give them the title and of course the vehicle, before they can give you the check, if your vehicle has been declared a total loss. The larger companies will just give you a check without a contract, that’s what State Farm did with us. Over all, most attorneys do not handle property damage claims.
9. If you have the time, you can always come by a copy of the accident report at the courthouse in the same city normally within 3 days. Some of these insurance companies will take up to three weeks to fetch this report and until then, they will normally offer you absolutely nothing! Simply because they want to find out who’s fault it was! If you hire an immediate attorney, this is also very good to have on your initial visit.
10. The best map I have found to hire an attorney, is to check with friends and family members. My advice, if you have sustained personal injuries that will be permanent, I would use an expert trial attorney. You can always interview different attorneys. Be positive to choose an attorney that you feel comfortable with. These people can sometimes stay with you for years and years!
I would also recommend viewing this attorney in court to see what kind of tactics they are using against these insurance attorneys. In most states, you have a minimum of 1-2 years before you have to file a lawsuit to recover your losses and expenses. Insurance companies like State Farm and Allstate are notoriously acclaimed about waiting until the last week to settle your personal injury claim. Remember also, lawsuits are filed against the other driver and not the insurance company! Go to your local library and research personal injury books.
Thanks for reading,
Phillip Chambley.
Filed under State Farm Auto Insurance by on Feb 26th, 2011. Comment.
