Reader’s Question:
I have a senior citizen friend here in Atlanta, Georgia and I would like to know how we can help him get inexpensive car insurance.
Paul
Atlanta, GA
Inexpensive Auto Insurance for your senior citizen friend? That would be quite a challenge considering that most, if not all, car insurance companies view senior citizens as a high-risk segment of the population while on the road. Don’t despair; there are still ways to go around high senior citizen car insurance premiums for your friend there in Atlanta, Georgia. Here are some recommendations on how to get lower car insurance rates for those above 55.
Compare Offers
Don’t just get the first thing that arrives. Look into getting several quotes from independent insurance agents or through online auto insurance portals which is a much easier and convenient task. This should give you guys a good picture of how prices insurance rates are going in your area.
Increase Your Deductible
A lot of people are surprised when advised that they should agree on a higher deductible. If you agree on a higher deductible you can actually make your car insurance premiums lower, regardless of age.
Safety and Security
A good auto insurance provider will provide discounts if you take extra steps in making your vehicle safer by installing additional safety mechanisms as well as protecting it from car theft.
Drive an Older Vehicle
An older vehicle costs less to insure than a brand new, high-end model. You could also drop comprehensive insurance coverage, which covers for cosmetic repairs on your damaged vehicle among other things, since it may prove less expensive for you to have minor damages fixed yourself than having to ask your insurance company to do it.
Tags: auto insurance, auto insurance claims, auto insurance policy, auto insurance premium
Reader’s Question:
Aside from being penalized for not having car insurance here in Athens, Georgia, could you give me one more practical reason why I should get insured?
Benny
Athens, GA
The punishment for not having car insurance could vary from paying fines, having a suspended driver’s license and serving time in jail. If a motorist is caught, the automobile or license plates can be impounded until he/she pays the necessary fine. Also, it is likely that a driver can have all of these punishments. In case you are involved in an accident, the punishments are more severe if you’d like to be able to drive again. Moreover, there is a possibility that you would have to constantly keep a bond or some other proof of auto insurance. You will have another punishment if the bond gets expired.
One practical reason that I can give you for you to be insured is that auto insurance is actually there to give us protection. In case you are involved in a crash and damage another person or property, your auto insurance in Athens, Georgia will pay for everything that it covers. Most of all, if you are caught driving without insurance, you will be tagged as a high-risk driver and you will end up paying more. Everything is going up nowadays but having auto insurance isn’t an alternative, it is a must because it’s illegal to drive without auto insurance and you will still end up paying more should you get caught without it.
Tags: car insurance, driver’s license, driving without insurance
Reader’s Question:
Hi, is it true that I will save more on my car insurance here in Macon, Georgia if I switch to a smaller car (Sedan) from a big-old pickup?
Heathe
Macon, GA
Hello Heathe! You have a very interesting question. The thing that most people would logically expect is that a smaller sized vehicle equates into smaller car insurance expenses. However, you may be surprised to know that a smaller vehicle, with all its economic and environmental benefits, can actually cost you more to insure and this is due to a few factors. (Yet another reason to hate car Insurance companies, you say?). There is basis for car insurance providers to justify these higher insurance rates.
Statistics show that smaller-sized vehicles are actually more prone to getting involved in car accidents. Some people have the impression that driving a smaller car is more controllable and maneuver able than your generic family pick-up, helping avoid car accidents, but this is the exact same reason that more people neglect to drive safely, hence the higher accident rates.
Also smaller vehicles are much more affordable, especially to the teenage and first-time drivers demographic. Unfortunately, these drivers are also treated as high-risk customers (lack of skills and experience on the road being one major reason) and also get the added perk of paying a higher auto insurance bill.
So unless you have excellent driving history and have been driving for years, you may want to stick with your big-old pickup truck there in Macon, Georgia for the time being.
Tags: car insurance, car insurance company, car insurance discounts, car insurance quotes
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:
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
Reader’s Question:
Hi, I’m a 17-year old student here in Marietta, Georgia and I just got my learner’s permit. Is there an insurance company who will cover me even if I don’t have a driver’s license yet?
Oona
Marietta, GA
It would not be simple to acquire auto insurance in your name if you only have a learner’s permit in Marietta, Georgia. The bigger auto insurance providers may not give you coverage because you only have a learner’s permit. The insurance laws and the criteria for getting insured are different in each state. So there is no assurance that you can obtain auto insurance under your name if you have a learner’s permit. But some auto insurance providers would give coverage with a learner’s permit since you are more than 16 years old. More likely, they would have tougher requirements and their rates are higher.
The first thing you have to do to get insured is to search online and find a number of auto insurance providers because this would give you a lot of options. You may also get in touch with insurance agents that you could find in the directory and inquire if they could insure you even if you only have a learner’s permit. Inquire also on the terms, conditions and the rates for different types if auto insurance policies. Make sure also that you have the necessary safety devices in your vehicle that you’d like to insure.
Tags: auto insurance, student car insurance
Reader’s Question:
This is the first time that I am adding my son to my auto insurance policy here in Savannah, Georgia. Is it true that teen drivers would have high car insurance rates?
Tamara
Savannah, GA
Teens are infamous for having unreasonably high auto insurance rates. Many people just admit this truth as is and just don’t put out having a second thought about it. The truth is, auto insurance rates don’t always have to be so high for teen motorists. By shopping around and having some effort, the insurance rates in Savannah, Georgia for your teen driver could be largely reduced. The very first thing that you would have to do is to spot an auto insurance provider that doesn’t treat all teens in the same negative light.
We know that there are a lot of bad seeds out on the highways but there are also a lot of teens that are responsible enough and should get what they really deserve when it comes to their insurance premium rates. As a parent, you could help your son to get the best deal for his teen car insurance and show that he is responsible. Your son needs knowledge about the state traffic laws because some auto insurance companies are willing to provide discounts for teen drivers who have taken driving courses.
Tags: auto insurance rate, car insurance, teen car insurance
Reader’s Question:
My brother used to drive an SUV here in Macon, Georgia but he already sold it. The reason being the insurance is so high than other cars, is this true?
Patrice
Macon, GA
There are some variables that make an SUV more expensive to insure than other cars. SUV’s could be more dangerous to drive because they are built differently than regular cars. Because the SUV’s are tall, they don’t have a balanced center of gravity. Because of that, SUV’s can be more prone to flipping over if the driver takes a turn at a high speed, tries to steer out of a collision, or actually getting involved in a collision. Everytime an SUV rolls makes it more costly to repair both the SUV and also the people who get hurt. These are the things that auto insurance providers consider that’s why they charge accordingly.
Your brother could have sold his SUV in Macon, Georgia because he probably thinks that the weight of his SUV could cost large damage to a small car if he gets into an accident, even if it’s not considered as a major one. That would also add to the premium rates of his auto insurance. Moreover, if an individual is injured by an SUV, the chances of the individual being badly injured are 300% more than being hit by a car.
Tags: auto insurance, SUV
Reader’s Question:
Is it true that after my DUI here in Columbus, Georgia, my auto insurance company can decide whether to insure me or not? Do insurance companies always have the final decision in providing insurance for a person?
Carmelo
Columbus, GA
If you are applying for an auto insurance after your DUI in Columbus, Georgia, you will not escape owning up to your drunk driving fines. A new auto insurance provider will check your driving history before they approve your application. Your DUI conviction, as well as other traffic violations would certainly be discovered. Depending on the auto insurance provider’s guidelines concerning auto insurance after DUI convictions, they could or could not give you coverage.
Drunk driving or DUI is a topic that makes a lot of arguments. People have their own opinions about those individuals who get caught drunk driving concerning their right to continue driving. When it comes to auto insurance following a DUI conviction, only the insurance carrier could make the final decision whether or not to give insurance to the person.
Tags: auto insurance, drunk driving insurance, DUI, DUI conviction
Reader’s Question:
I know I would have a hard time getting an auto insurance after my drunk driving conviction here in Atlanta, Georgia. Could you give me some tips on how to obtain auto insurance after my DUI?
Julian
Atlanta, GA
A normal penalty for a drunk driving conviction is the suspension of your driver’s license and that could also result in losing your auto insurance. Once your DUI conviction in Atlanta, Georgia is reported to your auto insurance provider, your premiums could skyrocket or your policy could be dropped. Getting an auto insurance after a DUI could be difficult, but there are ways to make sure that you would always be an insured driver.
You would most likely have to wait for the period of time that your driver’s license has been out of suspension. Of course, your DUI lawyer could help you lessen your sentence so be sure that you have a good representation. Once your driver’s license suspension is over, you have to get an SR22 form from your auto insurance provider and that would be your proof of insurance. The best thing that you could do to get insurance after your DUI is to shop around for the best auto insurance rates available. You might just find what you need from this website so get a quote for your auto insurance now.
Tags: auto insurance, drunk driving insurance, DUI, SR22 insurance
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