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Even if times are tough, don’t scratch off car insurance from your To Buy list. Remember that it is there to cover you when you need it most. If you are in a car accident and cause damage to somebody or their property, you will shoulder everything your insurance does not cover, you can pay a little more now than a lot more later. If you are caught driving without insurance, you will be put under the high risk category and pay more for your premium when you get an insurance coverage later even if you are not a bad driver. Buy your car insurance Now to save money Later!
If you’re from Georgia, you’d better be prepared for the possibility of paying additional premiums on your car insurance. According to an article on ajc.com, Georgia Insurance Commissioner John Oxendine is considering the addition of fees on car and other forms of insurance to support trauma care services for car accident victims and others. Oxendine says it’s because most trauma cases are a result of car crashes and work accidents. And since the state is desperately in need of more funding for trauma care services, they’re looking for someway to bring in revenues annually.
Insurance industry advocates naturally oppose this proposal. They argue that this would raise the costs and premiums of their products, as well as add new and unfair taxes to the industry. Since such fees are normally passed on to the consumers, it would be a double whammy for responsible citizens who religiously pay their taxes and get car insurance. Another burden is that the fee would not be specific to car insurance, but may also apply to health insurance and worker’s compensation.
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On choosing a car, one of the most important things to consider is the insurance–of course buying a new car is like an investment. Also, in purchasing insurance some factors would like the car’s safety rating, and the like.
First, do a research on cars that are specifically adapted to you needs and your budget before you make a decision on purchasing. Don’t just buy the car because of the brand or how good it looks, or even how low the gas mileage is. Consider the value of the car, and the features it has. For one, it has to be a safe car too, so better check its safety rating.
Don?t buy an expensive car unless you’re sure that you can make insurance payments regularly. Remember the insurance costs are commensurate to the value of the car. So this means the more expensive the car is, the higher the premiums for that car.
Also check online, or on newspapers for car deals. Of course, you shouldn’t just buy the cheapest or the lowest deal. Look for cars with the essential safety features and restraint systems, such as seat belts, airbags and such. Seatbelts should come standard in all cars. Secondary restraint and protection systems like air bags and side impact beams may not, though.
Purchase a Saga Motor Insurance policy online and you could save up to 20% on your first year’s premium. You will automatically receive a 10% introductory discount and if you choose to extend your cover by adding Legal Protection or Personal Accident you’ll benefit from a 10% introductory discount on these as well. This is really good news for those who are currently looking for great deals!
In addition when you buy online you could save up to an additional 10%, subject to a minimum premium of £100 plus Insurance Premium Tax (IPT). Experience shows that drivers over 50 are less likely to make a claim on their car insurance than those under 50. At Saga, we aim to reflect this in your premium and that of the million plus drivers already insured with us.
If you’re going out today in your car, it would be advisable that you glaze over this article below, and just check what time and day it is. It pays to be careful.
“If you want to enjoy the benefits of reduced auto insurance costs,” reports Mike Barry, director of media relations for the Insurance Information Institute, “it would behoove you to exercise caution and safe driving habits at all times, and to shop around for the best auto insurance rates you can because it’s a very competitive marketplace. But we also caution drivers to be particularly alert on what the NHTSA has found to be the deadliest dates, days of the week, and times to be on America’s roadways.”
Knowing what the deadliest times of the day to drive is helpful, but nothing replaces using common sense behind the wheel, it minimize your chances of either causing an accident or being hit by another vehicle.
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