5 Tips To Get Cheap
Car Insurance For Young Drivers
Getting cheap car insurance for young drivers in not easy and many
parents worry about it. Many parents buy expensive car insurance for young
drivers because of proper knowledge. Apart from the riskiness of teen drivers,
following these 5 tips you will be able to find cheap car insurance.
1. Installing Safety Features
Auto insurance companies may first check how safe the car the young driver is driving. Having many safety features in the car is considered to get car insurance that is cheap. Install anti-theft device in your car and try to install other safety device. This is the easiest way to reduce your insurance rates.
2. Having A Good Student Discount
Another way to find cheap car insurance for young drivers is having a good score in class. Auto insurance companies offer discounts for those who have an average B or above in class. Young drivers can get discount and save up to 15% by simply just maintaining good grades in school.
3. Attending Driver Safety Courses
If you don’t have any safety course certificate then attend motor vehicle accident prevention course. Also try to attend other safety courses approved in your state and provide the documents that you successfully complete the courses and you will get cheap auto insurance from the company.
4. Purchasing Low Cost Or Used Vehicles
High performance car usually carries high insurance rates, so avoid buying luxury, sports cars or light cars. If you are going to insure old or used car, car insurance companies may give you the insurance policy that re cheap.
5. Considering Higher Deductibles
If your insurance has a higher deductible, you can lower the insurance rates, but you may have to pay more expense after the accident.
1. Installing Safety Features
Auto insurance companies may first check how safe the car the young driver is driving. Having many safety features in the car is considered to get car insurance that is cheap. Install anti-theft device in your car and try to install other safety device. This is the easiest way to reduce your insurance rates.
2. Having A Good Student Discount
Another way to find cheap car insurance for young drivers is having a good score in class. Auto insurance companies offer discounts for those who have an average B or above in class. Young drivers can get discount and save up to 15% by simply just maintaining good grades in school.
3. Attending Driver Safety Courses
If you don’t have any safety course certificate then attend motor vehicle accident prevention course. Also try to attend other safety courses approved in your state and provide the documents that you successfully complete the courses and you will get cheap auto insurance from the company.
4. Purchasing Low Cost Or Used Vehicles
High performance car usually carries high insurance rates, so avoid buying luxury, sports cars or light cars. If you are going to insure old or used car, car insurance companies may give you the insurance policy that re cheap.
5. Considering Higher Deductibles
If your insurance has a higher deductible, you can lower the insurance rates, but you may have to pay more expense after the accident.
Cheap Car Insurance
Company For Young Drivers
Among the thousands auto insurance companies there are few car
insurance companies which offer insurance package specifically for young
drivers. The best auto insurance company for young drivers is Nationwide. Young
drivers have an accident and its simple to consider, but this will increase
drivers’ insurance rates 25%-30%. If you insure your car with Nationwide, you
can save money and don’t have to pay increased rates by it’s accident
forgiveness package.
Though getting cheap car insurance for young drivers is tough, but if you follow these tips then you will find the cheapest auto insurance for teen drivers.
Though getting cheap car insurance for young drivers is tough, but if you follow these tips then you will find the cheapest auto insurance for teen drivers.
Cheap car insurance for young drivers is hard to find because
young drivers are often reckless while driving. People say that young drivers
are a larger risk for the road than the older. Experienced drivers are safe and
secure because they know how to handle critical situations than young drivers.
This is common knowledge and due to these reasons many car insurance companies
are reluctant to provide cheap car insurance for any young drivers whose ages
are under 23.
Young drivers shouldn’t be
disappointed to hear these statements, luckily there are few ways to get an
affordable car insurance policy, but drivers should be looking policies
differently. Drivers can get cheap car insurance policy if they take several
steps in advance and avoid pointless coverage. Getting affordable car insurance
can be attained, but drivers must be needed few extra requirements. Now young
drivers have to see what are the options are open to them.
What Car Young Drivers Should Choose
Choosing the right car is the first step to get cheap car insurance for young drivers. Normally it is seen that young drivers buy cheapest car and this practice is more often for the new drivers. But if young drivers buy cheap car, it will ruin the best insurance policy. Low cost cars are generally old cars which are less safe to drive and greater possibilities to occur accidents. Because of this reason the insurance companies increase the insurance premiums.
If young drivers buy recent model car, there is a possibility that the insurance premium will be affordable primarily. When the car repayment installment is higher, the insurance premium will be lower throughout the insurance period. Drivers can save money from both policies.
Before buying a car, drivers should take a little research to find which types of car are more favored by the car insurance companies and which types of car have more safety records. Sometimes in daily newspapers, magazines and blog insurance companies suggest to drivers which car they should buy and which car can get cheap insurance policy. So try to read what insurance companies suggest and buy car according to them. That is the way young drivers can get cheap car insurance.
Obtain the Right Support
Providing necessary information to qualify is another way to get affordable car insurance for young drivers. If a student maintains a high score point average, he or she can get a cheap insurance policy and has to give lower premiums. Another way is driving limitation which is the car will be driven on limited number of occasions that is twice or once a week or only two times daily for work and home.
Eco-friendly car gets cheap car insurance. Hybrid cars run on both electric and fuel, so the car insurance companies lower the premiums. We all know that expensive cars are used new technology which helps to lasting longer, so the insurance premium should be lower. Before getting cheap car insurance young drivers must know car insurance basics.
Improve Safety Features for Cheap Car Insurance
To get cheap car insurance safety is the best measurement. The more safety features drivers have there is a higher possibility that drivers will get affordable car insurance. Young drivers should check all the safety features of the car.
Update driving license will create extra place for getting cheap car insurance, so if drivers don’t have this, they should get updated license and show the papers to the insurance companies. Having more safety features and good driving records will increase the chance of getting cheap car insurance.
What Car Young Drivers Should Choose
Choosing the right car is the first step to get cheap car insurance for young drivers. Normally it is seen that young drivers buy cheapest car and this practice is more often for the new drivers. But if young drivers buy cheap car, it will ruin the best insurance policy. Low cost cars are generally old cars which are less safe to drive and greater possibilities to occur accidents. Because of this reason the insurance companies increase the insurance premiums.
If young drivers buy recent model car, there is a possibility that the insurance premium will be affordable primarily. When the car repayment installment is higher, the insurance premium will be lower throughout the insurance period. Drivers can save money from both policies.
Before buying a car, drivers should take a little research to find which types of car are more favored by the car insurance companies and which types of car have more safety records. Sometimes in daily newspapers, magazines and blog insurance companies suggest to drivers which car they should buy and which car can get cheap insurance policy. So try to read what insurance companies suggest and buy car according to them. That is the way young drivers can get cheap car insurance.
Obtain the Right Support
Providing necessary information to qualify is another way to get affordable car insurance for young drivers. If a student maintains a high score point average, he or she can get a cheap insurance policy and has to give lower premiums. Another way is driving limitation which is the car will be driven on limited number of occasions that is twice or once a week or only two times daily for work and home.
Eco-friendly car gets cheap car insurance. Hybrid cars run on both electric and fuel, so the car insurance companies lower the premiums. We all know that expensive cars are used new technology which helps to lasting longer, so the insurance premium should be lower. Before getting cheap car insurance young drivers must know car insurance basics.
Improve Safety Features for Cheap Car Insurance
To get cheap car insurance safety is the best measurement. The more safety features drivers have there is a higher possibility that drivers will get affordable car insurance. Young drivers should check all the safety features of the car.
Update driving license will create extra place for getting cheap car insurance, so if drivers don’t have this, they should get updated license and show the papers to the insurance companies. Having more safety features and good driving records will increase the chance of getting cheap car insurance.
It's a new year and if you're like a majority of Americans,
improving your health is a top resolution. Whether your goal is to lose weight,
quit smoking or just take overall better care of yourself, you may have a
surprising ally: your health insurance company. Facing the surge of an aging
baby boomer population, health insurance companies are looking for ways to
reduce their customers' (and therefore their own) overall healthcare costs.
Unless you have read your plan booklet cover to cover you may not be aware of
the free or discounted benefits that could help you have a happier, healthier
and more productive 2010. Here are a few options you may be interested in
learning more about from your healthcare insurance provider.
Kick the Habit, Cut
Your Premiums
Smoking is one of the top high-risk behaviors that can lead to
chronic (and expensive) medical conditions such as lung cancer, emphysema and
stroke. This means that it's more cost-effective for health insurance companies
to help you quit smoking than to pay for medical care once you are diagnosed
with a serious smoking-related illness. Ask your doctor or the human resources
department at your workplace about smoking cessation programs and check with
your insurance company to see if it will cover the cost of a cessation program
or provide other incentives such as lower premiums or even cash rewards for
kicking the habit. For example, health insurance provider CIGNA offers
customers a 50% discount on an eight-week supply of Habitrol (nicotine
replacement therapy) patches and 35% off Quitnet's online tobacco cessation
program. And, once you're a non-smoker, you may be able to negotiate lower
health insurance premiums too.
Get Fit for a Lower
Fee
Obesity has become one of the top, most serious medical conditions
in the U.S. The rate of people classified as obese has more than doubled since
1987; today nearly 130 million Americans, or 64% of the total U.S. population,
are medically-classified as overweight or obese. Obesity has been linked to
chronic medical conditions such as heart disease, cancer and type 2 diabetes
that require long-term, expensive care. By helping individuals lose weight and
achieve a healthy lifestyle, health insurance companies can save money on the
costs associated with otherwise-preventable chronic conditions. If you have
health insurance through an employer's plan check to see if you could qualify
for fitness and weight-related benefits such as free health risk assessments,
sessions with a personal trainer or nutritionist, or even reduced or free gym
memberships. For example, Wellpoint Anthem Blue Cross Blue Shield offers its employees
a 50% discount on Weight Watchers At Work meetings, a subscription to Weight
Watchers online and vouchers for local meetings. Similarly, people with
insurance coverage through Horizon Blue Cross Blue Shield of New Jersey can get
up to 50% off Jenny Craig programs or free telephone coaching for weight
management.
Take Care of
Yourself and Be Rewarded
If you have a chronic medical condition such as diabetes,
congestive heart failure or asthma it is in your insurance company's best
(financial) interest that you learn how to manage your disease. Knowing how to
monitor your condition, learning the signs of potential changes in your health
and working closely with your doctor make it less likely that you will require
costly emergency intervention; you are also likely to greatly increase your
quality of life. In such cases, your insurance plan may have benefits of which
you are not aware. For example, Anthem Blue Cross and Blue Shield offers free
classes and tools for plan holders with chronic diseases, while
UnitedHealthcare's "Diabetes Health Plan" rewards diabetics and
pre-diabetic individuals who routinely manage their condition - with regular
blood sugar checks, routine exams and preventive screenings - with free
diabetes supplies, free diabetes-related prescription drugs, and lower
co-payments for diabetes-related doctor visits.
Care for Your Kids
at Reduced Cost
Raising healthy children is an important priority for most
parents; it's a priority for many insurers, too. In fact, many health insurance
companies provide discounted programs and incentives to help parents reach that
goal. On top of covereage for more basic healthcare services, many insurers
will provide access to additional measures to protect your children from harm
and keep them healthy. For example, Horizon Blue Cross Blue Shield of New
Jersey gives account holders a discount on umbilical cord blood storage through
the provider ViaCord and a 15% discount on child safety products through
SafeBeginnings.
Hone in on Healthy
Alternatives
Have you been interested in supplementing your current health and
medical care with other non-traditional methods and therapies? Some insurance
companies are willing to help you find - and pay for - affordable alternative
products. For example, through its Natural Products and Services Discount
Program, Aetna provides discounts on services including acupuncture and massage
therapy as well as products like vitamins and yoga equipment. Horizon Blue
Cross Blue Shield of New Jersey provides up to 40% off retail prices and free
shipping on vitamins and supplements, herbal remedies, yoga and fitness
activities, homeopathic remedies, etc. through its Choose Healthy internet
resource.
Find Help Online and
Over the Phone
To improve customers' access to real-time information regarding
their medical conditions and care options, more insurers are offering free or
discounted online and digital phone tools. For example, UnitedHealthcare
recently unveiled its new DocGPS app for the Apple iPhone - the application
allows users to quickly find, contact and get directions to nearby doctors,
clinics and hospitals covered under their specific health plans. The company
also provides a free online care cost calculator to help members compare care
providers and the cost for different treatment options. Humana provides
specialty benefits through employer group health plans including employee assistance
programs (EAP)/work-life programs such as unlimited free telephone support,
face-to-face counseling or assessments, and referral sessions to get help
managing a wide range of issues and needs such as childcare referrals, adoption
assistance, care for depression and anxiety, etc.
Conclusion
Health insurance benefits, services and programs vary widely
between plans and providers. Check your policy to see what free and discounted
services you may be able to take advantage of to get started on the right foot
toward a more physically and financially healthy 2010.