Cheap Nevada Auto Insurance

All you need to do is take a few minutes and go online and compare quotes. Up to 10 rates can be compared in a few short minutes. Lets take a look into the basics of Nevada insurance and a few tips that could save you hundreds off your premiums.
Car insurance rates in Nevada fluctuate greatly depending on many factors like a persons age, location and the car they drive. The largest and most famous city in the silver state is Las Vegas. For many years, Vegas was the fastest growing city in the U.S. and this of course caused traffic snarls and you guessed it, increased accident rates. Consequently, premiums in Las Vegas are higher than most other cities statewide. Another big reason for higher coverage costs is the ongoing problem with intoxicated drivers.
Las Vegas has no restrictions on buying alcohol and some estimates show about 40% of motorists between 10pm and 5am are under the influence of drugs or alcohol. This causes more accidents per person than other, more rural areas and insurers have hiked rates for Las Vegas city residents. About 50% of Nevada's deadly vehicular crashes are alcohol related. If you live in Las Vegas, a simple tip to get cheap auto coverage is to never get behind the wheel after consuming alcohol.
Military members and their family can save big on Nevada Insurance
Most people only think of Las Vegas as a party city, but it is also home to the Nellis air force base and to the UFO crowd, area 51. Nellis has thousands of workers and they can qualify for big discounts from insurers like USAA and Geico. USAA has some of the lowest rates anywhere for active military personnel and their families. According to several rate sampling tests, USAA produced the cheapest Las Vegas insurance premiums for active military. Geico also gives big rate breaks to anyone in the service and even veterans. Geico's famous website not only allows you to get free quotes but a policy can be purchased and managed all online. If you are not in the service don't worry. There are many other discounts that you can probably qualify for.
Teen Car Insurance Rates in Nevada
As you might suspect, teenagers are charged a lot for insurance coverage in Nevada and even more so in Las Vegas. The stats just don't lie and many teens are engaging in risky behaviors like texting while driving and even browsing Twitter or Facebook. This has led to a surge in accidents and insurers have been forced to raise prices for insuring teens in Nevada. This is unfair to all the responsible teenagers out there who are careful drivers but nonetheless the reality is younger drivers will pay about double for auto insurance until they hit 25.
Nevada Car Insurance Fraud
A big reason why auto insurance costs so much in Nevada is the high rate of insurance fraud in the state. Every year, insurers lose billions of dollars to these unethical schemes. Fraud includes brokers who are not even licensed selling fake policies, fake or staged car accidents and bogus injury claims. These are only a few of the many methods criminals use to perpetuate insurance fraud. If you suspect any fraud, call your state insurance commissioner and report it right away. Not only will you be doing the right thing but you'll also help keep rates lower for all drivers.

At sites like good to go insurance, all the hard work is done for you. Check good to go auto insurance for some of the lowest rates for teens in the state. Thanks to the internet, shopping for cheap Nevada car insurance is easier than ever.
All you need to do is go online and compare quotes from leading sites like good to go insurance. You can get rates on basic liability ins or comprehensive insurance in minutes and even buy a policy direct online. At good2go insurance, you can find all the top companies best pricing online in 5 minutes or less. Get started today and lower your NV car insurance cost online.
Mike Heuer is an experienced writer specializing in auto insurance

Top Car Insurance Tips for College Drivers

Having a car during the college years provides a great deal of freedom. Students can travel back home to visit family on their own, get a job near the school to help with expenses, and plan fun activities off-campus with friends. In order to drive a car, the young adult will need a car insurance policy. There are a few important tips to get the best deal and keep rates as low as possible.
Complete a Driver Training Program
Both classroom instruction provided by a driver's education program and time driving with a behind-the-wheel program will qualify drivers who are under the age of 21 for a discount on their policy. Since rates are highest for new drivers, this can really help lower the overall yearly rate of the insurance for a struggling college student. If the programs were not completed in high school, one could still sign up for them as a university student.
Work Hard for Good Grades
Another way to bring down those costs is to work hard and get excellent grades in all college courses. To take advantage of this discount, you must meet certain criteria. Typically, this involves keeping a grade point average of 3.0 or higher, getting on the dean's list, or ranking in the upper 20 percent of the class. Contact an agent to get the specifics and to learn what documents are needed so that they can be submitted as soon as possible.
Purchase a Used Vehicle
Car insurance rates are directly affected by the type of vehicle the policy is being generated for. Newer automobiles will cost more to replace if an accident causes damage, which is why a college student will pay a higher amount for a newer car. There are plenty of reputable lots where used vehicles are sold, and some of them even come with certifications and limited warranties.
Drop Collision Coverage
College kids who opt to save with a used vehicle also have the choice to drop collision coverage if the automobile is paid for with cash and there is no outstanding loan on it. Since collision is a big chunk of a person's bill, this further lowers the student's monthly costs to a price that is more affordable.
Install Anti-Theft Devices
One reason car insurance is so expensive is to generate enough money to cover the cost of a vehicle if it gets stolen. As a result, most policies will give a discount to any student driver that has an anti-theft device in their car. This can be anything from a passive alarm to a recovery service like OnStar.
Following as many of these tips as possible is the best way for university kids to keep their rates low. The focus can then remain on completing a degree and moving on to the next chapter of life.

To learn more about their options for car insurance, Victorville, CA residents should visit http://www.isu-armac.com/.

Auto Insurance Renewal

Throughout the period, policyholders' activities on the road and behind the wheel are always under their insurance companies' radar. With big helps from police officers and local DMV, insurers know whether or not it is necessary to make some changes to the policy. Changes are not always bad; drivers who have demonstrated safe practices and followed insurer's guidelines can lower their rates or become eligible for discounts to reduce the premium even further.
The countdown for renewal date starts as soon as the policy takes effect. In terms of renewal period, auto insurance policies are available in two choices:
· Annual Policy: an auto insurance policy that is valid for one year.
· Semi-annual Policy: some policies are valid for only 6-moths period. For policyholders, 6-months provide the chance to improve DMV records and reduce the premium for the next renewal date.
Auto insurance companies have the obligation to notice policyholder about renewal information. They can send it via mail or email within 45 - 30 days in advance of renewal date. Unless policyholders want to make changes to the current policy, renewal process should be quick and easy. Nonetheless, it is best for policyholders to do their due diligence and check for errors or unexpected surcharge. Before the renewal takes place, please make time to:
· Review the policy: the best time to verify discounts or make changes to coverage is on renewal date. It becomes more important when policyholders have practiced safety guidelines from the insurer as a requirement for discount eligibility. Auto insurers often reward good customers with lower premium as well. In many cases, it takes an insurance agent to see potential changes in the policy.
· Make payment: whether policyholders want to continue or cancel the policy, the best time to notify the insurer is on renewal date (or several weeks before). Some carriers do not allow for grace period on renewals, so they can cancel the policies because there is no payment confirmation. Even when policyholders want to switch to new carrier, it is important to notify the current insurer to avoid fines.
Premium Surcharge
An increase in premium rate is not uncommon. It happens for two main reasons. First, the insurance company increases the base rate. In this case, all policyholders should get premium surcharge. Even good drivers with clean records should pay more under this circumstance. Another reason is that the policyholder has higher risk than before in the previous period. Traffic tickets and bad credit score can lead to premium surcharge. Auto insurance claims for an at-fault accident almost always increase the premium as well.
Changes before Renewal
Insurers allow policyholders to make changes in the policies between renewals; this regulation applies only for auto/car insurance policy. Other vehicles such as RV, boat, and motorcycles may not have this option. Changes in policy for examples coverage omission or vehicle removal from the list can offset the premium surcharge from bad DMV records. In worst scenario where policyholders have records of involvement in accidents that cause severe injuries or deaths, the rate can go very high beyond affordability. To compensate for expensive premium, policyholders can choose to purchase only state's minimum coverage requirements.
Odd Surcharge
There are times when auto insurance companies add small amount of money to the bill. It is normal for semi-annual policy with which insurer adds renewal fee. Late payment is also punishable by small fines (from 5 to 15 dollars). Late fee is one time fine, which means it will disappear as policyholder pays on time the next month. Anytime there is odd surcharge without information, it is good idea to ask helps from insurance agents. The additional fee is possibly a mistake to waive.
Auto insurance policy is not a one-time purchase effective for lifetime; all are subject to changes and renewals. The idea is to give the chance for good drivers to get lower premium and punish bad driver with premium surcharge. Cancellation is also common because the policyholders have DUI or felony convictions.
How to Deal with Cancellation
When an insurer cancels a policy, a driver must acquire new policy from another company. The problem is that cancellation often comes with high-risk label. Upon cancellation, a driver faces a lot of difficulties to get new coverage from standard insurance market. High-risk label makes insurers reluctant to approve applications because there is a tendency of recurrent traffic violations and frequent claims.

The easiest way to get new policy is through non-standard insurance market. Good to Go Auto Insurance is a prime example of non-standard company with the promise of easy approval, multiple payment methods, optional coverage, and generous discounts. Good2Go Insurance has been in the industry for more than 25 years to focus on high-risk customers and give the opportunities for them to revoke that label from their names.
The purpose is to provide state's minimum coverage requirement, but with discounts to reduce the premium. Non-standard market has higher-than-average rate, but the discounts open the doors for affordability. Most of the eligibility requirements from Good to Go Insurance help high risk drivers to improve record for example Safety Devices, Defensive Driving Course, and Safe Driving Classes.
Mike Heuer: writer and insurance expert specializing in car insurance

Purchasing a 6 or 12 Month Car Insurance Policy

It seems like an easy decision to make but for some reason you are completely unsure. You are left asking what are the benefits and drawbacks of each policy length? Insurance agents frequently get asked what's the best option and the truth is it depends on several factors. There are advantages and disadvantages to each policy time frame. Let's look further into this and analyze both options, so you can make a more informed decision and save some money too.
The Advantages of buying a 12 Month Car Policy
* Your Premium Rates are set
It may seem obvious, but you might have overlooked this simple point. Prices on almost everything from new cars and houses to shoes seem like they are constantly going up. This is also true for auto insurance pricing. With more people getting into distracted driving accidents and increased insurance fraud, many insurers have had no choice but to raise premium rates annually. The good news is you can lock in a set rate for an entire year by buying a 12 month policy. If on the other hand you buy a 6 month policy, there is a very real possibility when it's time to renew it, you may see a rate hike for the same coverage. Another big plus for getting a longer term policy is you don't have to worry about it for an entire year, which eliminates a little bit of stress and makes budgeting your bills easier.
* You can save by paying for 12 Months of Coverage in Advance
Almost every insurance provider offers discounts for customer that pre-pay for an entire year of coverage. The reason why insurers give price breaks by paying upfront is because they can invest that money and start growing it immediately. Insurers make a large portion of their profits from investing the premium revenue they receive into investments like stocks and bonds. If they can get the entire policy amount paid upfront, then they can put that money to work and profit from it.
* Having only 1 Yearly Bill is more Convenient
It seems life is getting more complicated by the minute. Anything that eliminates added stress is a big plus. This includes reducing the amount and frequency of bills like car insurance. Having a 12 month policy that is pre-paid will make your life a little bit easier. You won't have to worry about choosing another insurance plan or paying that bill again for an entire year.
* You can Stop extra fees many insurers add on to short-term policies
Many people just can't afford to pay their entire car insurance cost upfront and need to break it down into monthly payments. Most insurers have options like auto-pay that will charge someone's credit card on a specific date or even draft the payment out of the bank account. The drawback is, there are often fees attached to making monthly premium payments that can really add up. Try to buy an entire year of coverage up front and not only will you get a discount, but avoid the fees too.
Advantages of Purchasing a 6 month Car Insurance Policy
* You can get a lower Rate Later on
It is true that auto insurance costs are going up consistently but it's still possible to find a great deal and lower your insurance cost. If you don't like being locked into a long-term yearly commitment, then a 6 month policy might be right for you. With direct rates online, you have an excellent chance of getting cheaper coverage when your short term 6 month policy expires.
* It's Less of a Financial Commitment
If you are on a tight budget but have enough money to buy a 6 month policy in full, then this shorter term might be better for you. You might still get a small discount for paying in full and will not have to come up with additional money that a 12 month policy costs.
* Tickets might be Removed from Your Driving record in less than 6 months
Do you have a serious driving infraction on your DMV record that will be removed soon? If so, you might want to get a shorter 6 month policy. This makes sense because once the infraction is removed from your record, you can apply for coverage and most likely get a cheaper price. If you have cleaned up your driving record in a 6 month period then apply for coverage again and you should be able to really lower your rates quite a bit.
Conclusion
If you're a good, responsible driver and have some money saved up, it makes sense to buy 12 months of coverage in advance. However, if circumstances such as driving infractions that will expire in 6 months or less allow you to get lower rates later on, you should not lock yourself into a long 12 month policy. Get a shorter 6 month policy and then apply again for lower rates if this circumstance applies to you. Whatever policy length you choose, always try and pre-pay in full so you can take advantage of discounts.

Go on-line and compare quotes from good to go insurance and see how easy it is to shop for direct car insurance. Shop around and look for auto providers like good to go insurance that offer at least a 5% discount for pre-paying the full policy amount in advance.
Mike Heuer: writer and insurance expert specializing in auto insurance

Choosing The Best Protection Service

There are plenty of steps you can take to get auto insurance that treats you better and costs you less. Since everybody needs auto insurance, it is a mystery that not everyone educates themselves on how to get the best coverage. Even, a little bit of learning can pay off with significant savings and much-improved insurance. After reviewing the tips in this article, you are on your way to improving your auto insurance situation. Insurance step works with the top insurance companies across the nation.
No matter what type of car you drive, insurance step will help you save hundreds of dollars per year.
The Right Policy For The Lowest Rates
When obtaining insurance, we always recommend that you speak to a licensed insurance agent. This is always the most important tip. Every insurance company has its pricing algorithms that consider a wide variety of factors such as age, credit and driving record. No company is the cheapest or most expensive for all drivers. The only way you can know for sure what a company's rate is for your situation is to get a quote from that company or one of its appointed agents.
Think carefully about your deductibles
If you drive cautiously and are not likely to have an accident, you might choose to pay a higher deductible and save money on your monthly premiums. On the other hand, if you must have your car for work and you can't save up enough money to pay off a high deductible, you may be better off to pay higher premiums for a lower deductible. Think through the scenarios to make sure the insurance you are buying will work for your situation.
Decide what coverage you need
For example, will you need a rental car if you get into an accident or does your local body shop provide one free? Do you want comprehensive coverage for your older vehicle? Do you have significant assets to protect that require high liability limits?
If your auto insurance carrier is not lowering your rates after few years with them, you can force their hand by contacting them and telling them that you are thinking about moving elsewhere. You would be surprised at what the threat of losing a customer can do. The ball is in your court here; tell them you are leaving and watch premium fall.
The company's mission is to get people's cars insured for as little as possible. This usually means liability coverage; this is the cheapest legal form of auto protection available. Their claims and customer service lines are open seven days a week, or you can use their 20-hour automated system or online portal to make a payment.
There are many classes of insurance available throughout the world. Each country has its meaning and definition of each insurance class.
Property Insurance / Fire Insurance
Fire insurance is an insurance which protects the insured's property from any disaster or unfortunate even due to or caused by basic fire and lightning.
House Owner / Householder Insurance
Similar to fire insurance policy, the houseowner/household insurance mainly covers the property you have against theft, fire, and also flood (depends on the extended perils you may add).
Motor Insurance
Motor insurance policy (some states called it as Vehicle insurance coverage) is vital, and a must have policy for car/vehicle owner to own. Motor insurance covers any mobile items ranging from its cubic capacity, model, type and usage for each vehicle.
It is known for a fact that having quality insurance leads would lead to a successful insurance business. And when I say quality, I mean that leads that have high conversion rates. It is not easy to find leads these days considering the fact that there are thousands of insurance agents out there. Some of the benefits you can get with an insurance leads guide in your hands.
· It maximizes your capability to gather more leads. A great guide would give you techniques and strategies on how to generate leads on our own.
· It increases conversion rates. When you have more leads, you will have more sales to convert.
· It enhances your skills and capability to convert.

Good2go also offers coverage to high-risk drivers and those who are newly licensed or do not currently have insurance coverage. You have to inquire about the eligibility criteria and choose the discounts that apply to you. Good to go auto insurance urges everyone to have awareness on the benefit of insurance.
Good2go specializes in offering their customers the basics to keep them on the road, but this doesn't mean basic service. If your automobile has an excellent and satisfactory maintenance rating, there is a better chance for you getting lower insurance rate.
Mike Heuer: experienced writer and insurance expert specializing in auto, car, home, and health insurance.

The Future of Auto Mobility and Insurance

Mobility has taken over every industry and has dipped its proverbial toes in the auto insurance industry as well. With GPS and accelerometers as high-tech accessories, mobile technology for the automotive industry too has come a long way and has many more miles to go. In an age where digitization and mobility is one of the bare necessities, most auto insurance providers are lost under heaps of paperwork. That's the reason why the concept of auto mobility has shifted its focus to the insurance industry.
A combination of mobility solutions - telematics, analytics and communications, has eased the burden for auto insurers through information on driving style, collection of the same, analyses and reports that benefits all the stakeholders.
User-Based Insurance (UBI)
Insurance providers struggle with allocating premium amounts for their clients. Despite their best calculations, they have incurred losses. Traditionally, insurance companies calculate premiums based on driving records, vehicle use, previous claims, insurance scores based on credits and so on. Policyholders believe that these premiums are usually a fixed value.
Telematics technology will change the face of auto insurance through the usage-based insurance (UBI) pricing system where clients pay as per their usage, driving behavior that is. Pay-as-you-drive gives clients and insurers the freedom to calculate premiums based on not just driving records and vehicle usage but actual or real-time driving information.
Real-time Information
Telematics can calculate every minute detail of the client's driving style, including every hard brake, rapid acceleration, parking style, etc. Analytics will amalgamate, analyze and interpret this data, simplifying it to understand the driving patterns of the client and the risk(s) involved. This driving information will be shared with the insurance provider who can use the same to allocate the insurance premium amount for the respective client.
Vehicular insurance companies have realized the difference that real-time information makes in processing claims. With the ability to capture real-time data in the form of images, videos, driving information, etc., there will be adequate information to process a claim or to decide the insurance amount for a client. It will eliminate the possibility of modified data and increases the accuracy of information analyzed.
Time and Efficiency
Time is everything. Waiting for weeks for insurance agencies to process a claim can be painstaking. Insurance companies will soon provide every client a more personalized and expedited service. Mobile devices will enable evaluation of claims or consultation with clients in their comfort zone. In the case of an accident, real-time data can be captured in the form of videos or images, eliminating the possibility of improper claims or incomplete information, which can prove to be a loss for both parties. Automation will reduce paperwork and redundancy. At the same time, it will increase efficiency and accelerate processing of claims.
Management of Data
With the reduction of paperwork and introduction of technologically advanced analytics frameworks, managing vast quantities of data has become a child's play. Analytics use complex algorithms and mathematical equations to organize, analyze and interpret huge volumes of information. The ability to retrieve relevant information instantaneously and accurately will save a lot of man-hours.
Beyond Insurance
Mobility solutions for auto insurers come with additional services such as roadside assistance in case of an emergency, geo-fencing for parents to monitor their teenager's driving, customer engagement to ensure the loyalty of the client, driving suggestions and other customizable options. Insurance companies will be able to go beyond their regular services for the client's convenience.
Challenges of Telematics
However, there are a few concerns with telematics being used by insurers. Standardized regulations on data capturing and its process is yet to be determined. This raises concerns for loss of privacy or misuse of data. The other concern is when the client wants to switch to another insurance provider. The new insurer might not accept their driving data as the method of data collection is different. This could result in the client losing his benefits and has to start from scratch.
Nonetheless, telematics technology is relatively new and is yet to take over the market fully. Like any new technology, there will be glitches which will be fixed in due time. These challenges will not be an obstacle for auto mobility to be integrated with insurance, as the pros of auto mobility outweigh the cons. Gradually all insurance providers will largely depend on mobility solutions in order to develop their business and will become inevitable for auto insurance to use.

Xemplar's intuitive and cost-effective mobile application provides insurers and customers with an integrated, full-featured telematics experience. It's not just another "app for that". Geolocation tools, speed and mileage trackers, traffic alerts, and plenty more allow insurance carriers to measure customer driving stats in real time, all while linking insurer rating engines and broker back-office systems to create quick and convenient processing. Thus, Xemplar telematics system helps significantly reduce your operating and capital costs, increases your revenue, and engages with customers on a regular basis. for more information visit us http://www.xemplartelematics.com

Can a Real-Time Teen Driving Program Provide Better Driving Outcomes?

Driving risks posed by teens is a concern for parents in the U.S. According to Centers for Disease Control and Prevention (CDC), motor vehicle accidents are the leading causes of death among teens between the age groups of 16 and 19. As a matter of fact, most of the vehicle accidents are preventable ones, and therefore requires an action plan to avert casualties. Who will take the initiative for this against this challenge? The answer lies in the one who carries the risk, which means responsibility is upon the insurers.
Insurers promote telematics on mobile apps to promote safe driving and improve driving behavior. These apps can provide value additions in terms of real-time, in-vehicle feedback to teen drivers. The Smartphone-based mobile apps are mostly researched and developed by IT vendors. Today, telematics devices are available for parents to monitor the driving behavior of their children. Thanks to the telematics-enabled device, data collection on location, information on speeding, braking, etc. are indeed possible to gain more valuable information. Resourceful IT vendors are offering SMAC-based mobile applications to assist this process to get an effective headway. Perhaps, on this subject alone, we may need to have more detailed discussions and opinions on mobile app-based technologies are welcome.
Why is a Teen Driving Program Necessary?
Like usage-based insurance (UBI) programs, the teen driving program comes with driver monitoring tools and safe tips for driving. With the help of telematics app, parents are constantly alerted on speed driving, accelerating, avoiding risky routes, etc. on their hand-held Smartphone device.
Teens are prone to accidents owing to rash driving or risky driving. For insurance companies to fix accurate policy premiums for such young drivers hinge on reducing their driving risks, accident prevention, on-road performance, crashes, their whereabouts, and in extreme cases deaths. It is a situation where all stakeholders are benefited. Look at the scenario, teens or young drivers are protected from preventable accidents, and insurers are spared from indemnifying losses accruing from preventable accidents.
We know that teenagers often err in making a judgment in comparison with other age groups. In the absence of parental monitoring, they indulge in risk driving. Repeated instances of risk riding include violating red and yellow lights, not wearing safety belts, fast driving in sharp curves, misjudging gaps in traffic, and so many other violations. Other than this, they are prone to accidents during nights due to driving at high speeds.
Motivating Teens for Change Management
So, prevention through monitoring, engaging, and tracking is better than crashing. Teen driving must be accompanied with innovative safety driving programs. Avail available technology to do so. One such thing can be offering discounts if the teen drivers comply with the program. There should also be conditions at the very policy issuance stage itself for the parents to follow the safety program for their children. In this setup, the insurance carrier also monitors driving, sends accurate reports on driving feedbacks to parents which will ultimately help in improved driving performance.
Motivating or engaging teens to subscribe to a teen driving program is challenging. Researchers have proved the success of incentive programs in improving teen driving behavior. So why not opt for a teen driving program? This strategy should be coupled with parental monitoring to ensure that teens follow restrictions when they are behind the wheels. Moreover, school policies should make it mandatory that seat belts are used while driving. Ultimately, the successful teen driving program is a change management where knowledge, attitudes, and behaviors need to go in alignment with the program.
Insurers and Parents Should Team Up for Better Driving Outcomes
According to teendriversource.org, six teens die in a motor vehicle crash every day. Casualty prevention is not the responsibility of insurers alone, but it should be a concerted effort of parents/guardians and insurance companies. To parents, it is the loss of their child. For insurers, it is all about sustaining the business with reduced risks. Without a doubt, teen driving programs are important for both and it should be aimed at producing better driving outcomes.
Insurance is a sector that shows a lot of empathy on people's risk concerns. This is also vital for them to survive in the competitive market. Just one-to-one interaction with customers with the help of agents will not fetch better results. On the contrary, if they leverage big data and analytics, they can collect, store, manage and analyze vast amounts of variable data and share key data in the form of alerts to the teens and their parents alike. This coupled with integrating a teen driving program with a parental portal will fetch the best results. It's high time that insurers and parents teamed up to reduce teen deaths. This is a high priority, isn't it?

Prime's telematics system, Xemplar, enables fast and efficient two-way communication between insurers and customers. Xemplar's mobile app-based system saves you money on hardware and infrastructure costs while also accommodating any mobile device or tablet, reaching drivers anytime and anywhere, and providing your business with critical information in real-time. Contact us now, and in less than 24 hours you will have the best technology solution for auto insurers. for more information visit us at http://www.xemplartelematics.com/

Auto Insurance For Seniors

To much frustration, nothing works. You then go around the slow moving vehicle and notice the driver is elderly and you then just drive right on by and shake your head. The reality is senior citizens are actually much safer on the roadways than most teen drivers and get better rates. Lets check out some simple ways seniors can save even more on car insurance.
There are more Senior Citizens Driving
According to recent census stats, there are about 45 million American citizens aged 65 or older. This represents over 14% of the entire U.S. population. Due to advancements in healthcare and medicine, seniors are now living longer than ever and their numbers will continue to grow. By 2060, this population of older adults is expected to reach almost 100 million. Seniors represent a huge, growing market to businesses and some firms strictly focus on this market segment. Seniors are also more independent now than ever before and most drive their own vehicles well into their 80s.
Many elderly persons are on strict budgets and car insurance is a fixed expense they have to pay each month. The good news is many automobile insurers offer great senior auto insurance discounts. Carriers offer these discounts because stats don't lie and prove seniors have lower rates of accidents than many other driver age groups. Think about if for a minute, would you feel safer in the passenger seat of a 17 year old teen or a 67 year old experienced driver who is very careful behind the wheel? Most elderly drivers have decades of experience and obey the traffic laws, like not texting while driving.
Senior Drivers file fewer Claims
Some of the best drivers who file the fewest accident claims are those in their 60s. This group still posses the motor skills and quick reflexes to avoid incidents on the road and also have decades of experience, which allows them to avoid dangerous situations. Another reason why carriers offer lower rates, is seniors drive far fewer miles than younger people. This is because most are retired and don't have to be exposed to dangerous rush hour commutes. Older motorists also don't tend to go out partying as much between 10 pm and 2 am, which are some of the most dangerous times to be on the road due to intoxicated motorists. This greatly reduces their risk and insurers reward them with cheaper premiums.
The sweet spot for older drivers is 55 to about 75 years of age. If a senior motorists has no tickets on their record and no accidents within the past 3 years, he or she can get very cheap automobile coverage. In fact, it's plausible for seniors in this age bracket to get quoted with rates that are 15% lower than younger motorists between 25 to 60 and a fraction of what teens pay to get covered.
Auto Insurance Discounts for Seniors
There are many ways seniors can get cheaper auto insurance. Some of the more popular ways include:
* Certified Driver Safety Classes:
Completing a safe driver class that is recognized by insurers can save you 10% or more on coverage. These classes only last 2 or 3 sessions and even experienced older drivers will learn a lot.
* Low Mileage Discounts:
If you drive less than 1,000 monthly miles, you can qualify for a low mileage discount that can save you about 15%. If you are already retired, there is a good chance you don't drive too much.
* Get a higher Deductible
A smart move for seniors is to get an automobile policy with a deductible of $1,000 or higher. This makes sense because you probably already are a very safe driver that does not drive too much. A high deductible will save you around 10% or more.
* Garage your Automobile
Most people are unaware that insurers will give a discount if you garage your car at night. This greatly reduces the chance it will get stolen or have damage from unusual weather events like flooding. Garaging your car can save you up to 5% off your insurance bill.

Good to go insurance offer some of the lowest rates available to motorists between 60 and 70 years old. Check your rates with a custom quote from good2go insurance online.
Now that you know some key strategies on how to save on senior auto insurance, it's time to get quoted. The best place to shop for cheap auto insurance for seniors is online. Check good to go insurance and compare up to 10 rates in 5 minutes or less. Get started now and save hundreds with direct pricing.
Mike Heuer is an experienced writer and insurance expert.

Cheaper Car Insurance Online

If you are lucky enough to be able to get a new car, then you are going to need to get it covered with a good insurance policy. Car Insurance rates have been going up the last few years and it looks as though this trend will not slow down.
The good news is there are common sense things you can control to get cheap car insurance online. The internet is probably the most incredible human invention of all time and it has lowered prices on so many things, from travel reservations to direct insurance coverage. The first step in combating inflation and increasing auto insurance price hikes is to frequently shop around for quotes on the web. Anyone with an internet connection can get quoted in only about 10 minutes and compare policies from direct providers like go auto insurance and other top carriers.
Direct rates are cheaper because the polices offered don't have the middleman expense like a broker or insurance agency. Several top car insurers have only have direct ins models and do not have traditional offices or sales channels through brokers. This significantly reduces costs and then these savings are passed onto the consumer in the way of lower rates. This aggressive competitor has been selling cheap car insurance for over 20 years and has competitive online rates few insurers can match. Get your quote on-line today and qualify for instant discounts that can save you even more.
Auto Insurance Pricing Factors
There are several core factors that influence car insurance premiums the most. These include:
1. The Automobile you Drive
If you are in the market for either a new or used car, then just don't think about the engine performance or color you want. You need to also pay attention to the average insurance rates for the automobile you are thinking of getting. This is so important because you could end up with a car insurance bill that doesn't fit in your monthly budget. In general, newer more expensive cars cost more to insure. This makes sense because if you total a new vehicle, the insurer will have to replace the value of it, which will be way more than a cheaper used vehicle. In some cases, this can be more than a 90% price variation. For example, a 1998 used Ford Escort valued at $1,200 will cost so much less to get covered than a $75,000 new Jaguar because of the massive replacement price difference. If you are on a budget and hate paying out huge premiums, then get a used car with a 4 cylinder engine and watch your insurance costs go down. On the other hand, if you have money budgeted for a new car and are willing to pay more for coverage, think about raising your deductible and you will save 10% or more on your ins bill.
2. Your Age
To all the young millennials out there, it might sound like age discrimination, but you are going to pay a huge amount for automobile insurance if you are between 16 and 25 years of age. There is almost no way of getting around it, even if you are a super careful driver. The reality is today's teenagers and young adult drivers are taking big risks while driving, like texting and "facebooking" behind the wheel. Distracted driving accidents are on the rise and so are insurance rates. If on the other have you are over 25 and have a good driving record, you can get low priced coverage if you shop around. You can always take a defensive driving class too, no matter your age and get a small discount of about 5% from most car insurers.
3. Your Driving Record
Unlike your age, you can control how you drive. A persons driving record plays a huge role in the cost of insurance coverage. Insurers give big discounts to drivers who do not have any infractions on their record or accidents. This is a big incentive to drive carefully and responsibly. Not only will it lower your insurance bill, but it will also reduce the chance of you getting into accidents. If you have tickets on your DMV record, get them cleared up as soon as possible, so you can qualify for cheaper insurance.

Another company with web-based pricing is good to go insurance. Now that you have learned a few tips on how to get cheap car insurance online, apply for a free rate check-up at the new good to go insurance website or over the phone. You can save hundreds in minutes and select the exact insurance plan, all online.
Mike Heuer: experienced writer and insurance expert specializing in auto insurance.

6 Types Of Auto Insurance Coverage That First-Time Car Owners Need To Know

But, it still doesn't take away the importance of covering your car with a good auto insurance plan, since you don't know what will happen to your car later.
For instance, in the time of a big accident, you need to pay all of the fixing up costs by yourself if you don't cover your car with a good car insurance plan. Thus, you don't need to pay a dime just to get your car fixed when accidents happen. It is also the same with other unexpected things, such as theft, disaster, and faulty vehicle.
Here are 6 types of auto insurance coverage that first-time car owners need to know:
1. Accidents. Accidents happen at unexpected times. It can be caused by your own recklessness, or it can be caused by the recklessness of other drivers. Also, accidents can happen because of disasters, such as floods or fire. The point is that if your car is damaged because of any accidents, the auto insurance company will cover the cost of repair for your car.
2. Faulty car. Maybe, you are driving for a few miles down the road, and then in the middle of your travel, your car is faulty. The engine is in trouble and the car cannot move, or your tire is flat. This can become quite a problem for you. But fortunately, the insurance company will cover the cost of repairing your car in this emergency situation. Some companies might also offer roadside assistance for their clients.
3. Car make and model. The make and model of your car will also affect the type of car insurance that you get. If you have a brand new car, or if you purchase a luxury car, you will have a better coverage for damage. But, you need to pay more for the premium, since it might cost more money to repair the damage of your car. This is different if you buy a second-hand car with long mileage.
4. Personal fault. Sometimes, you might be driving your car, and because of your carelessness, you might cause an accident with other cars. Other cars may sustain some damages because of the accident, and other drivers may also need to be sent to the hospital. The car insurance plan usually provides the coverage cost for the car damage or medical problems caused by your personal fault.
5. Non-insured driver. The auto insurance company also offers the coverage for non-insured driver at the time when the driver causes an accident that creates damages for other cars. In this way, you don't need to pay all the financial burdens by yourself, since the car insurance company will cover the cost for you.
6. Driver's experience. If you are not too experienced with cars, then you might fall into the high-risk category for the car insurance company, since you will most likely to have accidents on the road. Thus, you usually need to pay more premium costs, but in exchange for that, you get better coverage for any damage. If you are already an experienced driver, you will fall into the low-risk category, and you will pay lower insurance costs since you may not file insurance claims often.

If you are participating in a car insurance plan, such as Good to go car insurance, your repair costs can be paid fully by your insurance company. You can check Good to go car insurance for more information.
Those are the types of auto insurance coverage that first-time car owners need to know. Good 2go insurance might be the best place for you to learn more about various types of insurance that you can get for your car, so that you can get the best insurance deal for your vehicle.
Mike Heuer is an experienced writer and insurance expert specializing in auto insurance, home insurance as well as other types of insurance.