Tips on how to choose a car rental company

March 15, 2019 by  
Filed under Car Insurance Tips

You Must Know Tips on how to choose a car rental company

There are a few things that you’ll need to keep in mind when it comes to choosing a rental company. You’ll first want to consider the first impression that you get from the company. You’ll find that if you look at their market spot, you’ll be able to decide if this is a company that can offer you safe and reliable vehicles. There are some perks to renting from a smaller company then a bigger company.

You’ll need to in-dept with the car information that you are given. First, you’ll want to check over the car with a good eye, but you’ll also want to look for misprinted information in the contract, because you don’t want to be held liable for it. You’ll also want to look at the policies and rules of the rental company too. You’ll find that are a lot of minor fees and details that you may end up over looking. This will also help you to consider the situation of renting a car to be a matter that isn’t taken lightly.

You’ll also want to think about the seating capacity of the car and also how comfortable it will be to travel. You will want to think about the comfort of the front and back passengers. You’ll need to also thing about things like the ability of the car when you are renting. Obviously, you are not going to rent a small car to go up into the mountains.

When you pick out the rental car and the rental company you may simply want to go with your cut feeling. If you don’t think that this is the perfect car for your family, then you may want to look at something else.

Women Drivers Save on Auto Insurance!

June 20, 2010 by  
Filed under Car Insurance Tips

Nowadays, there are many different ways how you can get it at the best deal; like if you are a good, safe driver, you can almost automatically get a lower insurance rate. Or if your vehicle is equipped with the latest anti-theft or security gadgets like alarm systems, airbags, automatic seatbelts, and the likes, you are also guaranteed to obtain lower insurance rate.

There are other ways to secure cheap insurance rate and all you have to do is to comply with those specific qualifications set by the insurance companies, and presto, you are in to enjoy few hundreds of dollars of savings each year. Check all factors there is available for you to use and you are surely going to hit the best deal in town.

Do your own homework, research, investigate and take advantage of these opportunities. So, in this case, you are not only protected while behind the wheel on the road but never pay for an insurance premium more than what you should.

For sure, those are normally the qualifications you are already aware of and are needed by one to be qualified to avail of affordable insurance rates. However, don’t you know that sex or gender can also be a big plus factor to get qualified? But unfortunately for men, this specific factor favors to the side of women.

Yes, if you are a lady driver, you are in for a treat in as far as auto insurance coverage is concerned. Women drivers have always been the source of brunt of all jokes on the road, specifically coming from men. But being the butt of jokes can be an advantage after all, as it is found out that they often obtain cheaper car insurance coverage rates than men do.

It is not a hidden fact that women drivers are found to be the safer and more sensible drivers than men. This showed in statistics in the recent years particularly since women were proven to file lesser claims on insurance than men. The female group also was found to have a tendency over less flashier, more practical cars than what men choose, giving them another factor to secure lower insurance rates.

This specific factor makes it extremely advantageous to the female group. To make things even sweeter for them, they can benefit from online insurance companies offering deals specifically covering women drivers. By purchasing online insurance rates, they can now enjoy huge dollars savings per year from the insurance premiums they pay for their car.

While there may be other factors that establish how much you can get for your car insurance premiums, regardless of your sex, being a lady driver surely has its own perks and benefits. You may receive the brunt of jokes while behind the wheel on the road, but never mind them. For getting huge auto insurance savings is never a joke to your bank account. So, enjoy your ride out there!

Cheap Car Insurance For Teens

June 20, 2010 by  
Filed under Car Insurance Tips

Car insurance rates are based on age and driving experience as well as driving record. The best way for teenage drivers to work their way into better rates is stay on their parents policy in order to gain driving experience and a driving record. There is a good chance that after three years and a clean driving record that a preferred policy from the parent’s insurance company can then be issued on the teen drivers that want to have their own car and pay for their own insurance. There are numerous discounts for the young driver today. Some companies give discounts for good students that carry a 3.0 grade point average in high school or college.

Vehicles Make a Difference – The younger the driver the higher the rate. The rates are very high for young drivers on newer vehicles that require full coverage. Older vehicles that only require PL/PD coverage as a minimum state requirement is one way to cut costs for the teen driver.

Remember the sportier and newer the vehicle, the higher the insurance is going to be for an inexperienced teen driver!

Practical Solutions for Reducing Your Car Insurance Bill

June 20, 2010 by  
Filed under Car Insurance Tips

Did you know that over 35% of auto owners are overpaying on their auto insurance?  It’s true, which is why you should review your policy now and then and compare rates of other companies to make sure you are getting the best rate possible.  This is one of the easiest ways to reduce your car expenses!

Insurance companies are competing a lot these days due to one simple fact; the amount of cars and new drivers are constantly growing, meaning more insurance is needed. Some people insure 2 or even 3 cars through the same insurance company and aren’t aware that most companies will give an  additional discount for a multi car home and even if they don’t, there are plenty of other reliable companies that will give them a better rate.

There are several ways of saving hundreds of dollars from your annual premium. The first step is getting a quote. Filling out a quote should be done correctly and the cheapest and fastest way to get free quotes is online. There are organizations which provide unbiased services helping you compare 100’s of bids from different auto insurance companies with filling out just one form.

Ways To Save

The following are a few tested strategies you can apply for saving $300 – $500 from your premium. The more tips you apply the more you can save, believe it or not saving couldn’t be easier:

Raise your deductibles

Reduce coverage on older cars

Compare male and female as main drivers

If you haven’t had an accident – negotiate a discount

Take a defensive driving course and let the insurance company know that you have.

Install anti theft devices

Ask for a discount if you have more than one type of insurance from the same company

Check for low mileage discounts

So as you can see, there are many ways you can save money on your car insurance all it takes is a little initiative and research.

The Best Tips To Getting Huge Auto Insurance Savings

June 18, 2010 by  
Filed under Car Insurance Tips

Get savings on your insurance by upping your deductible and maximum coverage. Do not lower your coverage, as it is a dangerous attempt. Not that you are asking for it, but in case you run into a $500,000-damages vehicular accident and you only have the $50,000 liability coverage, you will be shouldering the deficiency. You don’t want that, so the first tip is to keep deductible and maximum coverage high.

Know about the discounts available. There are many ways that consumers can get discounts on their auto insurance. There are the common ways but you might as well want to know that teenage drivers with better grades, good drivers, cars having low mileage, making EFT payments and attending defensive driving courses are some of the great ways to look for when obtaining discounts.

Buy an umbrella policy. This is an insurance type that lets you insure your home complete with its contents and your vehicle under one company. You will discover percentage savings can discount you off your yearly policy unlike when you buy them separately.

Drop the collision coverage. It is recommended if you are driving an older car. What you may be paying for the collision coverage may be more than what you should. Take note that insurance providers only pay for what the automobile is worth and not its total replacement expenses.

Protect credit score. Most people don’t know that having a good credit score has a good impact when buying auto insurance. In this case, it is recommended to work really hard on keeping credit score high and if there’s any error on the report, you must immediately correct them before shopping for auto insurance.

Know how to file an insurance claim. It is probably the most common flaw for the consumers not knowing how claims processes are handled. Learning how you can file a claim and how the provider processes it will give you a better idea if it is a good move for you to trust your car and your money to an insurance company.

Shop and Compare. Shop around, obtain multiple quotes, and then compare them. This is one of the best ways on how you can find an insurance company that can provide the best deal in auto insurance. The internet is an excellent way to obtain quotes from different insurance companies, so open your desktop and browse the internet away.

Save on combine insurance policies. Purchasing multiple products, such as homeowner and auto insurance, from the same company can earn you savings. It is also the same if you combine the premiums on your car and your teen’s.

Compare insurance policies first. You can also get huge auto insurance savings if you compare the costs of insurance policy of the vehicles that you are eyeing. Insurance providers see how much worth the insurance of a car based on safety records, so even if you are eyeing on similar vehicles, they might come with different insurance prices. A car that has lower insurance premium can save you money.

Best Tips For Auto Insurance Savings

June 18, 2010 by  
Filed under Car Insurance Tips

You must know that the auto insurance market is highly competitive so there is a good chance for you to spot one that will truly compensate your needs. Many of these auto insurance providers claim that they are the best among the rest and that they have what it takes to be called number one. Of course, they want to establish a reputation that will place them in the market’s pedestal so they get to offer their clients more choice, promotional schemes, as well as exemplary policy packages. Hence, you should take advantage of these things.

It is important that you look into the various companies that have their portals online. Shop around for quotes from at least five of the online companies and then compare them. Check out the coverage, their pros and cons, and the premium rates. If you want to save on your auto insurance policy, you better not sacrifice the benefits of the coverage for a cheaper price.

Why Get Auto Insurance Online

When you buy a car, you don’t just spend your money on it because it has amazed you but it is because it is a reflection of your own personality. Thus, you need to ensure that your vehicle is secured. One way of ensuring this is by procuring the auto insurance plan that suits your needs. When checking on the quotes, the best place to start with is online. This means you don’t have to go through the agony of visiting the office of the policy provider or wasting your time because doing it online can save much of your time and effort.

A Bit of a Warning

In some small and very inconspicuous ways, there are online companies that get to cheat their clients by means of demanding some fees for the inquiries and quotations. Therefore, you should know how to read between the lines. If you are trying to access the quotes as offered by a company, be certain that you fully look into the conditions before you say yes. You can always place a call to their hotline to validate such claim.

Because of the competitive market these days, many of the auto insurance companies feel that they are on the losing end. Thus, they need to deceive their clients just so they can sell the policy. Take note that the attitude and approach of these auto insurance providers differ from one another. They do employ a variety of promotional marketing however some of them include additional hidden charges which will affect you as the customer in the long run.

What to Know before you Buy Car Insurance

June 18, 2010 by  
Filed under Car Insurance Tips

Car insurance policies have a lot of legal language that most of us don’t understand. What you want to look for is what you are getting (coverage) compared to what you are paying (premium). Here are a few things you need to look at when you are looking for car insurance:

Rating Territory – Where you live ultimately has a lot to do with how much your premium is going to be. Living in a high crime area or big city is going to up your insurance premium.

Liability Insurance – Liability insurance protects you when you are liable in an automobile accident. This is valuable protection for you because this is the portion of the possible that insures you against the highest risk and financial loss. Liability claims because of death and injury are by far the largest.

Physical Damage Insurance – This portion of the car insurance policy pertains to your vehicles. It is a good idea to self-insure in this area by purchasing this coverage with high deductibles. Low deductibles no longer warrant the high premiums for the protection afforded. High deductibles will save you thousands of dollars over the life time of a policy.

Car Insurance Discounts – Many car insurance companies offer discounts for certain things such as; vehicles with air bags, anti-lock brakes, and anti-theft devices. Senior drivers can receive retirement discounts. Young drivers with driver training education or a certain grade point average in high school or college may receive discounts.

Things you will need when shopping around for the best car insurance rate:

The VIN (vehicle identification number) yours and any other potential drivers, drivers license #, your current policy and when it expires, how the vehicle is used (business, pleasure or back and forth for work). If you are checking on a policy for more than one vehicle make sure you have the VIN #’s for all vehicles.

Top Car Insurance Tips

June 18, 2010 by  
Filed under Car Insurance Tips

You can get a quote with over 40 car insurers if you input your details into a good car insurance broker’s website. You’ll only need to give your details once. Call the insurer with the quote to check exactly what is and isn’t covered.

If you have a garage, then you’ll save by keeping your car there overnight. You’ll also make savings if you can keep your car on a driveway. This is because there is more chance your car being broken into or vandalized if it’s kept on the road.

Give your insurer an accurate picture of how many miles you drive each year – you will save if you travel less.

Get married! Men under 30 pay more if they’re not married – it’s just the excuse your girlfriend is looking for!

Under 25’s pay more, but you can get lower premiums if can put a driver over the age of 25 with a good driving record on your policy as a named driver. That person must be under 60 though, as premiums rise again at that age.

Agreeing to higher deductable (the average cost is $250) will help lower your premiums. If you have an older car your insurance rates will be lower than say a newer car or even a sporty car.

Watch your speed, most insurance companies will let you get away with a single speeding ticket but if you repeat the offence then your premiums will sky rocket.

Satellite navigation in your car will lower your premiums. Insurers have found that people concentrate more on their driving and less on trying to find their way have fewer accidents.

It’s a good idea to have an some type of anti theft alarm not just because it could help keep your car from being stolen, it could also save you up to 10% on your car insurance. Also check on a multi-car discount, or even having your house insurance and car insurance with the same company!

Getting Car Insurance if you are High Risk

June 18, 2010 by  
Filed under Car Insurance Tips

If you are considered a high-risk driver, finding car insurance can be quite a pain. Many insurance companies will deny insurance to high-risk

drivers, while others just choose to charge extremely high premiums. So it is important to shop around for the best rates available.

There are many different factors that can label you as a high-risk driver. However you’re driving record is the most important factor in determining your risk status. Most insurance companies will check your driving record for the past 5 years. Being involved in any accident and/or several accidents or tickets can deem you a reckless driver. You may be labeled a high-risk driver just by the number of speeding tickets you have received.

There are also several personal factors that contributed to the high-risk label. Unfortunately, many of these factors are beyond your control. Men are typically deemed a higher risk than women, and those who live in the city are considered higher risk than those who live in the country. If you are a city dweller, you will probably pay higher car insurance premiums than if you live in the suburbs or in a rural area. Also, drivers with newer cars are charged higher premiums than those with older automobiles.

Even your credit history can affect your car insurance rating, though these laws are changing due to the fact that a person’s credit rating should have no basis on their insurance rate. Those with low credit ratings are usually charged higher premiums than those with better credit scores. Whether or not you have been covered by car insurance continuously is also a factor. If there are gaps in your coverage, they will assume that you have had periods of uninsured driving. Because driving without insurance is very unsafe and also very illegal, insurance companies take this into consideration when considering your rate.

Though it can take several years of clean driving to erase the high-risk driver label, it can still be done. Three years is the industry standard for reassessing a driver’s safety rating. If you have a clean record for a three-year period, you can work your way back to the benefits of lower premiums. However, three years’ worth of high premiums can really add up over time. If you are a high-risk driver, there are still ways to lower your insurance payments. With a little research, you can reduce your payments by a fair amount.

There are many car insurance companies that offer free quotes online, this makes comparison-shopping easier than ever. There are even websites that will find a list of quotes for you. This process may take a few days, but the results are typically worth it.

Having a clean driving record is the best way to ensure that you will get the best car insurance rates. Being aware of where you are and those around you and keeping your speed within the limits will keep your driving record good and this in turn will keep your insurance rates down. Remember the better a driver you are, the lower (usually) your insurance rate will be.

5 steps to find the cheapest car insurance deal

June 18, 2010 by  
Filed under Car Insurance Tips

Owning and driving a car means being responsible for yourself and others.

Car Insurance protects motorists and drivers against liability in the event of accidents they or others may cause. It can also provide coverage for the motorist’s own vehicle and if the accident is their fault, it can cover the other motorist’s vehicle as well.

Many different types of coverage are available, ranging from full coverage which usually covers anyone driving your vehicle and all those involved in the accident to third party coverage which protects individuals against liability should they injure a third party or cause damage to a third party’s property, but does not provide any coverage for the individual’s own vehicle or property, to comprehensive coverage, which can offer protection for accidental damage, theft, fire damage as well as liability towards third parties.

5 steps to follow to find the cheapest deal:

STEP 1: Deductable

Voluntary deductable – the easiest way to cut your insurance premiums is to accept a higher deductable.  An insurer’s standard deductable may be $250; but if you decide on a higher deductable, say $500, you’ll see a reduction in your premium.  This is because you are less of the risk so you get a discount by your insurance company.  This however is a gamble, you should be aware though that you will be responsible for the first $500 of any claim, even if that means a broken window from someone trying to break in.  In the long run though, it usually pays off, for instance, if you were in an accident that caused say, $2500 in damage, you would only pay the first $500 and the insurance company would pay the rest. The money you save on your policy payment would you have a lower deductable is well worth it!

STEP 2: Anti Theft

Many insurance companies will give you a discount if you have an anti theft device on your vehicle. This is especially true if you are living in a high-risk area which is known for car thefts or break ins. Check with the insurance company to see which types of anti theft devices are considered for a discount.


Adding a driver to your policy can increase or reduce your premiums depending upon the driver’s age, sex and driving record. In most cases adding a young driver will increase your premiums. However, adding a driver over 30 with a long and clean driving record can cut premiums, particularly if the driver is a female.


How you use your vehicle can also determine the cost of your policy. For example, if you only use your vehicle for pleasure, and only drive an average of … miles per year (determined by your insurance company) the cost of your policy will be lower than say, if you use your car for business or going back and forth to work therefore putting on more mileage and being on the road more often, which puts you at more risk for an accident.


Shopping around for the best rate is imperative in this economy.  You should know that the car you drive can also have a big impact on how much your insurance policy will run.  A sporty more expensive car is going to cost much more than an older more common model, so something to keep in mind when purchasing a vehicle.  Use the internet to do some comparison shopping for different insurance companies and with a little work and effort you should find the best policy for you.