Best Cost Car Insurance

car insurance question?

i turned 25 years old on july first my last ticket (failure to stop) fell off at the end of august (from 5 years ago.) I have not been in a car accident in 7years or even pulled over in 5 years. there should be nothing on my insurance that will inflate my premium, if anything it should drop. here are my questions: 1. does your insurance really drop a lot after you turn 25? 2. would you suggest upping my deductible to $1,000 instead of $500 to lower it? 3. any other suggestions with lowering the cost of insurance? i have to have full insurance until march of next year when i pay off my car loan. thank you!! oh and who would you suggest i look into for insurance?

Public Comments

1. Go to AAA, better than American Family Ins.
2. If you can afford it, up it to $1000. Go to insurance .com and get a rate for your area. As far as insurance premiums dropping I haven't seen any drops, unless you change companies.
3. unfortunately now your insurance price will not drop until you 30 as i found out much to my sorrow and anger when i turned 25. another suggest to get the price of you insurance down is to drop the fire and theft insurance if you have an old car where having it would cost you more than the car is worth
4. The best way to lower your ins, pay off your car and change your full coverage.
5. The age thing? Actually, it's not so much age as it is driving history. For females, your price first lowers once you have 7 years driving experience. For males, it's 9 years. So if you are a female and you got licensed when you were twenty, price lowers at twenty-seven. You shouldn't ever up your deductible unless you're prepared to pay that much at any given moment. Keep in mind that you are saying how much LESS your insurance company will issue a check for when your vehicle has to be prepared. So unless you're loaded or have deductible money in savings, you should never have that deductible up higher then what you can afford. When it comes to lowering the cost of insurance.. look into homeowners or renters insurance with your auto insurance company! In most places, you can get up to 25% off.. that's a lot of money. Also, some states will give you 10-15% off for taking defensive driving.. depends on where you live, though. It's worth checking into.
6. To answer your question: 1.Your insurance does drop some after you turn 25. 2.If you want to lower your insurance rate, you better up your deductible to 1,000. 3.There's many ways to lower the cost, you can check that out at http://carsinsurancetips.com/ Hope this help! Kity!
7. I think the best thing to do is try to search it on the net, go for an online quotation so that you can collect different car insurance rate. You can try to visit this cheap car insurance site http://www.nightbirdssolutions.com evaluate the quotes that you have collected and choose the company that could provide you a much cheaper car insurance rate and quality car insurance services.
8. Yes, it does drop quite a bit when you turn 25, exact amt I couldn't tell you depends on who you go thru.. As far as AAA being better then American Family, I dont think.. Get in an accident once with AAA, and tell me how good they are... Anyways, as far as your ded goes.. Don't raise it unless you can pay it.. Keep in mind with full coverage you'll have two ded's one for comp & one for coll. Coll is usally the one that is expensive on a premium... So if you can afford a 1,000 coll ded go for it, it will lower your monthly premium some, not greatly, but probably enough to notice. As for comp that doesn't really add up on the monthly premium, I usally see peoples ded's on comp around 250, as it lowers the premium some the higher you go with it, but no as much as coll.. So yeah the higher the comp & coll ded' s the lower the premium.. Also the fact that your female helps lower your rates, no major moving violations, is a good thing.. Sure your veh has ds & ps airbags, so you'll get a discount on that... But don't raise the ded if you cant pay it.. Also to look at what your limits are on liability, if you lower those then you save a little, but most states require a certain amt of liability coverage so check with your agent on that one... As for companies, depends on what state your in.. American family is generally a good company for low rates, and good service, state farm as well.. Those are the only two that I know that cover most states.. As for AAA stay away from them, I am a claims adj, and I deal with them on a daily basis.. There constantly dropping people after one accident... Like I said you really wont know what your rates are gonna be til you talk to an agent.. I recommend doing it face to face so you get the lowest rate possible.. That over the phone bull sh it will get you no where, and with higher rates.. So to sum it up.. Lower ded's on comp & coll mean higher rates.. Higher ded's mean lower rates. Make sure though that you can afford the ded's. Also lower liability limits may lower premium, airbag discount... Etc etc, or if you have an apt get renters insurance, and you'll get a discount on your auto premium as well... Alternate ways to lower insurance....... 1. To get the cheapest car insurance available, you'll need to shop around. Get a quote from every reputable insurance company in your area. Although a company may offer a low rate, make sure they are customer driven and experienced. The last thing you want is to be working with a ruthless insurance company in your time of need. 2. Raise your deductible. Many deductibles are in the $300-$500 range. If you raise it slightly you'll see a reduction in your auto insurance rate. Even when people are slightly above their deductibles they pay out of their own pocket to reduce their premium. A higher premium ($750-$1000) can save serious money over the years. 3. Try to insure everything (house, second car, RV, boat) with one company. With everything insured with one company, it'll be cheaper overall and easier to manage. Also, have all of the drivers insured with the same company. You may get a loyalty discount. 4. Have you taken any driver's education courses in the last few years? This mostly applies to new drivers. If so, you likely qualify for a discount. Insurance companies want to know that you know the basics, and have studied the rules of the road. If you're older, you may want to take a refresher course in defensive driving or perhaps a skid control school. These are fun and educational. 5. Many insurance companies also offer a discount for students who maintain good grades in school. That's right. Some insurance companies offer discount of between 5%-10% for students who maintain a higher average. 6. If your car has airbags, ABS, or an anti-theft alarm you may qualify for a discount. It's simple. Airbags help keep you safe while in an accident. ABS helps you to avoid an accident and an anti-theft system prevents your vehicle from being stolen. All of these are good for the insurance company so they'll often lower your rate. 7. Drive responsibly. Insurance companies will lower the rate as you prove you're a good driver. Every year without an incident your premium should go down. Once you hit 25 your rate should get reduced by about 1/2. But if you've had a number of speeding tickets and accidents, get prepared for significantly higher rates. 8. Reduce coverage on older vehicles. There is no point in fully insuring a car that is not worth very much. If the car is only worth $3000.00, any significant damage will cause the insurance company to write off the vehicle. And you'll only get what the vehicle was worth wholesale. So you may get $1500.00 from insurance but your rates will increase on your next vehicle. 9. Try to purchase a "low profile" vehicle that isn't a target for thieves. The more likely your vehicle is to get stolen the more it will cost to insure. There are some great cars and trucks out there. If you really want lower rates stick with something conservative. Peter Johnson is the Chief Writer for http://www.all-about-car-selection.com.