Thursday, 18 March 2010

Car Insurance for Young Drivers

Searching for young drivers auto insurance? It is a great idea to discover as much as possible before comparing insurance quotes.

You can save a lot of time and effort, if you understand what factors are used to calculate young drivers auto insurance rates. This is the key to finding low cost insurance.

You may be shocked to hear that when it comes to car insurance a lot of people pay substantially more than they really have to. By far the most common mistake is not comparing quotes.

As we all know auto insurance for young drivers can be very expensive. In order to find the best combination of good coverage and affordable insurance rates, you really have to 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. Most insurers treat all inexperienced drivers the same way as a significant insurance risk. It is proven statistically that because of their lack of experience drivers under the age of 25 are almost 3 times more likely to cause an accident compared to a diver over sixty.

It is not surprising that a huge number of careful young drivers feel 'penalized' by the insurance companies. 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. Driving an "insurance friendly" car, maintaining good grades and low yearly mileage will all lower your rates. You will be glad to hear that many insurance companies do offer as high as a 25% discount for students with an average grade of B.

Establishing an excellent driving record should be a priority for every new driver. Its important to know that even a single traffic violation may push your insurance premiums through the roof. Some insurance companies will go as far as doubling your rates on the back of an 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.

Make sure you check if your state has any regulations and safety laws which apply to young drivers. 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 a number of hours in a driver’s education course.

See also: Auto Insurance For Women Is Cheaper

Saturday, 6 March 2010

Cheaper auto insurance for female 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.

Of course, this doesn't 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.

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

But why do women enjoy lower premiums?

Officials reports suggest that women are less likely to be high-risk drivers. Apparently, women are far more likely to obey traffic codes, drive responsibly 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 female driver to jump a red light or overtake dangerously.

Do women drive more safely

Statistics show that yes, women are safer drivers than men. There are two main reasons for that, women are usually more observant and responsible. Road signs and other drivers behaviour, are things women pay more attention to. 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 extremely protective is a characteristic most women have. It is very common for women 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. In our day and age, it is harder for them to climb the corporate ladder. Taking time off as a result of an accident may well jeopardise their position. So, being a careful driver is essential for every mother and working women.

More and more dads are staying home and more women are pursuing a career, so things may change in the future. But for now, women have the right to demand better car insurance rates.

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

Wednesday, 3 March 2010

SR22 Form CA All you need to know

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 required to show a proof of financial responsibility. Its important to know 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 proof.

The minimum liability insurance requirements in California 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?

There are two main reasons why you may be required to file a SR22 form. The first, and most common, is conviction for driving under the influence (DUI) of either alcohol or drugs. The second is for being involved in an accident while driving uninsured.In both cases your driving privilege will be suspended. As you probably know, California has one of the toughest car insurance laws. 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.

Maintain a proof of financial responsibility

The period, during which maintaining a proof of financial responsibility is required, is 3 years. You will have to pay a fine in order to get your license reinstated. On top of everything, during this period you will be put in the "high risk" drivers group.SR26 form will be submitted to the DMV if you cancel your insurance or your filling period expires. If you let your insurance lapse during these 3 years and SR26 form is submitted, your license will be suspended by the DMV.

Another important point is that California SR22 insurance is only valid for CA, because SR22 is state specific. Moving to another state will mean that you will need a different 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