The Price of Being at Fault: How Much Will Your Insurance Go Up if You’re In an Accident?

Raises Your Insurance PriceHere’s something you probably don’t ever want to think about. How much will your car insurance increase if you’re involved in an accident? Sure, it’s an unpleasant thought—but it’s something that you have to consider when you compare auto insurance premiums, if for no other reason than to make absolutely certain that you secure the cheapest deal possible. After all, what good are super low vehicle insurance rates if a fender bender will send them suddenly soaring?

The fact is, your car insurance premiums aren’t likely to go super sky high if you’re involved in an accident. But they can increase significantly, and painfully so if you’re already living on a tight budget. To find out what that amount’s going to be, be sure to read the small print on the policy to determine what the insurer’s surcharge schedule is. The average increase is somewhere between 20 and 40 percent if the accident is your fault, but since it’s up to the insurer the amount could end up being much higher or much lower. By performing a thorough comparison of surcharge percentages ahead of time, you could limit your financial exposure in the event of an accident.

But even if you’re able to ensure a low penalty surcharge by reviewing the fine details when you compare auto insurance plans, remember that you’ll very likely lose your good driver discount if you cause an accident. In some cases, those discounts can be pretty deep. Ultimately, the answer to saving money on car insurance is to drive safe and not cause accidents. If you can manage that, you’ll always find yourself in a good position to take advantage of low rates.

South Carolina Car Insurance for Women – Would it Make A Difference?

Making  A DifferenceAre you planning to buy a car insurance policy? Why not insure it under your spouse name? Given a thought, car insurance providers have many benefits and discounts listed for women drivers. Women are judged to be very careful while driving on South Carolina roads and hence less probability of meeting with accidents. Less number of accidents or violations, more will be the discounts. Women have also proved at instances to be the desirable clients for the insurance companies.

Women majorly look for vehicles with high safety features in it than the model of car and hence shell out less and considerable amount on their vehicle insurance. Where as men look for high speed, cost, model and high velocity cars which eventually invites car theft, high charges for repair and more of accidents. Opting for a vehicle which is less fancy would not give you cheap insurance but the functions and options will roll down the expenses on it.

Low Insurance Prices

Differentiating between the gender, be it teens or aged people, every person driving in South Carolina need to follow the basic traffic rules, abide to state’s law and carry minimum requirements. Ensure safety measures, avoid crashes or collisions, no speeding tickets, zero or no accident claims and a spotless background, collaterally gives you low premium rates.

Though women might get a lowered price premium, any comprehensive car insurance policy does not insure below their typical rates. It simply means, you will have to buy a car insurance policy with a complete package offering you coverages, various options, valuable opinions, endorsements, special coverages and discounts. All you have to do is, choose right coverages, estimate accurately and find low insurance plan suiting your needs and requirements.

Of Trains, Buses, Bikes and Hooves – Lower Auto Insurance through Lower Usage

Lower the Rates Are you the kind of person who’s willing to cut back on your driving habits to save money? If you are, up to this point you’ve probably been led to believe that the only area you can possibly save money on is gas and maintenance—after all, the less gas you buy the more money stays in your pocket. And if you’re paying to have your car serviced every ten thousand miles or so, limiting your driving will keep those sometimes costly appointments at bay a little longer. But did you also know that driving less can land you a significantly lower quote on auto insurance?

Visit any vehicle insurance comparison site and you’ll find out for yourself. There are discounts to be found for people who limit the use of their vehicle in favor of taking the train, bus, riding a bike, or hoofing it to work. While the whole “pay-per-mile” insurance coverage is still in the beta testing stages for some insurers and not even offered by many others, you can qualify for low usage discounts that are based on yearly estimated mileage.

In order to be ready and able to take advantage of these discounts, it helps to have a precise idea of exactly how many miles per day you drive so that you can provide that information when you get a quote on auto insurance. Before you perform any online vehicle insurance comparisons, be sure to do the math. The more accurate your information, the more accurate your online quote will be.

Comparing Auto Insurance: Lightweights vs. Heavyweights

Buying Car Insurance - Heavy or Light When you compare auto insurance you’re likely to find that the lighter weight your car is, the higher the vehicle insurance rates. Although this seems to fly in the face of reason, the car insurance companies have good logic on their side.

First of all, smaller cars that weigh less can receive a lot more damage if they’re involved in an accident. In addition to this, the fact that they guzzle a lot less gas usually makes smaller cars the most frequently driven, and therefore more frequently exposed to being involved in an accident.

If you drive a big, heavy vehicle like a truck or van, you’ll more than likely be asked to pay lower vehicle insurance rates. But don’t take this to mean that you shouldn’t ramp up the level of coverage when you go to compare auto insurance premiums. Remember that if your truck or van is involved in an accident, the necessary maintenance to fix any damages is going to be higher than it will be in a smaller car, so you need to adjust your coverage accordingly.

Keep this in mind if you compare auto insurance premiums online so that you can ensure you get the most accurate quote possible. For the most part, the more accurate the information you provide the more accurate the quote will be. But you should always bear in mind that online car insurance quotes aren’t binding, and they may change once you get an agent on the phone or visit one in person.

Will my Relocation Affect my Vehicle Insurance?

To make relocation less stressfulRelocating is always stressful, and one thing you don’t want to be worrying about when you move is your vehicle insurance. Though vehicle insurance rates don’t always change when you relocate, oftentimes they can be lower or higher, depending on where you’re moving to.

Make Sure You Have Adequate Vehicle Coverage
It’s important to understand that each state has its own requirements for minimum insurance rates, and if you’re relocating to another state, you’re best advised to make sure your policy meets the legal requirements for your new location. For example, if you have the minimum vehicle insurance coverage while you’re living in California and you move to Connecticut, chances are you’ll need more vehicle coverage. The easiest way to find out if you need to adjust your vehicle insurance is to contact your insurance carrier as soon as you know where you’ll be relocating, and ask what the consequences will be for your vehicle coverage and rates.

Crime Rates Affect Vehicle Insurance Rates
If you’re not moving out of state, you might still find your vehicle insurance rates change. If you move from a city with a high crime rate to a rural area without adding a large amount of miles to your weekly drive, you can be sure your vehicle insurance rates will drop. But if you move from the suburbs to an inner city apartment building with only street parking, you’re probably looking at a significant rate hike because your vehicle is more at risk of being damaged or stolen.

Does My Average Mileage Affect My Vehicle Insurance Rates?

Check If it Affects Your Insurance RatesAnybody who’s made a vehicle insurance comparison to shop around for the best vehicle insurance rates knows that there are a number of factors that can influence your premium. Whether you’re the vehicle’s only driver, have any traffic violations on your record, or have ever been in an accident will all affect the quotes for your vehicle insurance comparison. However, not many drivers realize that your average weekly mileage also plays a large role in determining your premium.

Mileage Matters for Your Vehicle Insurance Comparison
When you make a vehicle insurance comparison, you’ll be asked how much you drive per week. It’s logical that the higher your mileage, the more wear and tear your vehicle incurs and the less resistant it is to damages. In addition, how much you drive also influences how often you’re in traffic situations that could lead to potential damages. If you’re making a vehicle insurance comparison to save money on your car insurance, it can be an invitation to examine your weekly mileage and see where you can reduce the amount of time you spend on the road.

How to Reduce Your Mileage for the Best Vehicle Insurance Rates
There are a number of ways to slash your mileage before making a vehicle insurance comparison—if your lifestyle allows, that is. For example, you could see if your area offers commuter transit that will get you to work on time every day instead of getting stuck in traffic. Another way to reduce your mileage is to see if your company will allow you to work at home one or two days a week. Always make sure to stick with your decisions, as your insurance carrier will request your mileage each year and adjust your premiums accordingly.

Insuring Your Car if You

Customize Your InsuranceIf you’re physically disabled, you’ve probably spent thousands of dollars on customizing your vehicle to make it dependable and safe for you to drive. When you’re looking for affordable vehicle insurance rates, it’s a good idea to do a vehicle insurance comparison to find out which company can offer you the best deal.

However, you need to take your customization into account with your vehicle insurance comparison. The only way to get realistic quotes is to provide the insurance companies with complete and correct information as soon as you begin your vehicle insurance comparison. You’ll probably be required to provide documentation about your car and your ability to drive, which your physician and health insurance carrier should be able to provide.

When you request quotes for your vehicle insurance comparison, be sure to account for the value of the customized features as well as for the vehicle itself, as the replacement costs of a customized vehicle are generally higher than those of a regular vehicle. Most insurance carriers have so-called riders, which are endorsements that cover all of these additional costs, though they come at a higher premium.

It’s always a good idea to contact AgentInsure to help you with your vehicle insurance comparison. AgentInsure instantly connects you with a licensed agent in your area who can help you with your vehicle insurance comparison, so you’ll have no problem finding the best deal!