Reader’s Question:
What are the things that can cause my car insurance rates to increase? My friend here in Savannah, Georgia recently got some traffic violations which she told me caused her rates to balloon. Any information is appreciated, Thanks!
Macy
Savannah, GA
Hello Macy! Your car insurance rates are based on several factors of which some are controllable and some are just beyond your area of influence. One of the biggest factors that can affect how much you pay for your vehicle’s insurance would be your driving history. Sure, its quite obvious that if you are proven to be guilty or at-fault in in a car accident, your car insurance premiums would climb but did you know that even the simple involvement in a car accident can also make your insurance rates higher. Getting a lot of traffic tickets and moving violations would cause your rates to skyrocket.
Other reasons that may cause your car insurance provider there in Savannah, Georgia to increase rates would be an increased trend in crime/ theft rates in your area. If you have a brand new, more expensive vehicle that ranks among the most popular among thieves, or you have teenagers and first-time drivers added to your current policy, you can expect a higher premium as well. Also take care of your credit rating since this is used by car insurance companies as a measure of how responsible you are which could be taken into the same account as your driving habits. Gaps in your coverage will also raise a red flag with your provider so always make sure you have continuous insurance coverage.
Tags: auto insurance, car insurance, cheap auto insurance
Reader’s Question:
I have just gotten married and they say that this is the perfect opportunity to get a discount for my car insurance. How can my marriage have an impact on my car insurance here in West Dougherty, Georgia?
Thea
West Dougherty, GA
There are a lot of occasions which can have large influence in our lives and one of them is when we tie the knot. However, you may have never thought that saying “I do” could also have an impact on your car insurance premium rates. So this is really a great chance for you to re-assess your car insurance policy. You may be very excited to walk down the aisle for you will have a fresh start. Once you and your husband’s assets have merge, it would be a perfect opportunity for you to get bigger discount on your car insurance in West Dougherty, Georgia. This means that your marriage could definitely save you some money.
A lot of car insurance providers usually give discounts for multiple cars. So you could be able to save some money and cut back on a lot of bills and policies that you have. At some point in this occasion, you could also shop around and compare different car insurance quotes as well as policies from other insurance providers. This would really aid you come across the best rate and insurance coverage for you and your husband.
Tags: car insurance, car insurance discounts
Reader’s Question:
My car insurance provider here in Atlanta, Georgia, is offering Multiple Car Insurance coverage. I haven’t heard about this before, can you tell me more about this?
Myra
Atlanta, GA
Multiple car insurance is a fairly recent offer by a car insurance company. It means putting two or more vehicle that you own under the same policy from one car insurance provider. With the growth of multi-vehicle families and households it made good business sense for auto insurance providers to offer such type of insurance to their customers. Putting all of your cars into one policy would usually mean discounts towards your monthly premiums, the simplicity and convenience of dealing with only one company, and the benefit of being able to renew all of your vehicles insurance in one go.
If you do have more than one vehicles that you are currently paying for insurance, or maybe you want to combine all the car insurances your family members are paying for in one policy, you my be very interested with this kind of policy since it makes it easier to manage your car insurance costs and gives you more incentives towards your premiums. Get in touch with your car insurance agent there in Atlanta, Georgia to see what kinds of deals they can offer multi-vehicle customers. Also make sure that if you do switch to a multiple car insurance coverage, you wont end up losing the benefits you already have with your individual vehicle’s insurance so its best to read and understand the fine print.
Tags: auto insurance, car insurance, car insurance rate
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