So now that we have discussed the bad of car insurance and women – let’s talk about what some companies are doing to actually appeal to their customer cliental.  While most companies are charging more and more for women drivers – some companies are actually coming to the realization that women are not such risky drivers and are offering up some concessions.  Companies like LadyBird and Shiela’s Wheel are known to provide some of the very good incentives for women especially.

The cool thing about these two car insurance companies is the fact that they are willing to offer up coverage for small items – like a purse or even just a small handbag.  That way, if your car does get stolen with your purse in it … you are going to be fine and have everything covered in it. 

Although women have been known to become very aggressive drivers there really are no actual facts on that – that is why car insurance companies truly have no business overcharging women for car insurance.

Car insurance is the only insurance that you are actually required in most states to have – health insurance, while important is not a requirement.  Did you know that car insurance premiums actually base their quotes on a lot of different elements and one of them is your gender? 

If you are a women, most of the time, you are going to have a higher premium than a male customer.  The reason for it?  Car insurance companies claim that women are a riskier driver and that they present more of a risk for the car insurance company.  While they do not exactly have any bases for this – due to the fact that there is no real statistics on it, they still tend to charge more for women drivers.

In the next blog though – we will talk about how you can avoid that and really take control of your car insurance premium!

All right, so we have talked about the repair costs, the sticker price and finally the theft/fraud patterns as well.  The next part of this we are going to talk about is the model; year, weight and total vehicle type are going to be some of the other items that the car insurance companies will look at as soon as you purchase your car.  Pretty much, the rule of thumb is going to be that the higher power you have, the higher your premiums are going to be.

Sports cars and high-performance cars along with luxury cars are all going to have a higher premium, so that is something that you should keep in mind.  Another thing that will play factor to your car insurance premiums is your demographics.  Where you live, gender, age and driving record are just a few things to think about.

Car insurance is difficult to keep hold of and certainly difficult to really find the lowest cost to – so make sure you do your research before you buy!

Now that we have talked about one of the main reasons why cheap cars are going to be expensive to insure – let’s continue our talk and talk more about the repair costs.  Car insurance companies really do think about the repair costs when it comes to any car that you buy.  Repair costs nowadays are extremely expensive and to be honest, they are one of those things that most people do not think about.

If you are getting a car that is constantly going to need repair, your car insurance premium is going to go up and up and up – so keep that in mind.  Another thing that the car insurance companies think about is the theft/fraud protection that the car would have equipped on it.  Cars are becoming something of a prize and many people are getting their cars stolen.

If you are purchasing a car now, make sure that you take these into consideration – after all, you have to have car insurance right?  More information in the next blog for you!

Did you know that some of the cheapest cars to buy at by far one of the most expensive cars to insure?  For example, one of the cheapest cars on the market is the VW GTI, which is only about $22,000 however; it will cost you a heck of a lot in the long run for car insurance.  There are several major factors that car insurance companies take into consideration when you purchase a new car.  That is what we are going to go through in these next few blogs!

One of the first things that the car insurance companies take into consideration when they want to look at the premiums for a car is how much the sticker price is going to be.  Most of the time, a car that costs more to buy is going to cost way more to replace, they think about those things when they are quoting rates.

In the next blog, we are going to talk about car repairs and just what you should look for!

To be honest, I think that most policies should include rental reimbursement in some form, after all – you want to make sure that you have a car if your car is in the shop.  This is one coverage piece that everyone needs to have or at least make sure that they have included in their policy.  For example, if you get into a car accident, your car is getting fixed and now … what do you do?  With the rental reimbursement, your car insurance company will actually reimburse you up to a specified amount per day for your rental car.

That is what is so cool – while it might only be up to about $100.00 that is one hundred dollars that you do not have to pay at all and that is awesome.  Another thing that you should make sure that you have in your car insurance policy is medical payments coverage.  That is when your car insurance company will cover all of your medical bills, no matter who caused the accident!

So really – car insurance is important and making sure that you know your coverage is honestly the best way to ensure you are covered for everything.

Let’s say that you are driving around and you get into a car accident and the guy just runs off – no stopping, nothing.  This is called a hit-and-run driver and these, while not all that common anymore, can happen and it is terrible!  This is exactly what the Protection from an Uninsured or Underinsured Motorist Coverage can do for you.  While most car insurance companies do not include this coverage as a standard, you can absolutely ask for it – although your premium will go up slightly.

Protection from an Uninsured or Underinsured Motorist Coverage is also a coverage that will protect you from any car accident that you get into with a driver that does not have any car insurance at all.  That is one of the greatest things about this coverage is it pretty much covers everything if you get in a car accident.

Car accidents are a terrible thing, however they happen and you need to prepare yourself quite a bit nowadays.

One of the most misunderstood coverage’s in car insurance is got to be the Comprehensive Coverage.  Many people simply have no idea what it means, what it is and what it covers.  Let’s say that your car is set on fire or even stolen.  This is the coverage that will pay for the damages to your car or even for a brand new car because of these two things.  Comprehensive Coverage is honestly important, so important that many lenders insist that you have this coverage before you take the car off of the lot.

Comprehensive Coverage is something that is mostly included with most policies, however, you might want to make sure that you do have this type of coverage included in your plan – I know that I do and while it makes my car insurance slightly higher, it is so worth it.

So really, check into Comprehensive Coverage on your car insurance plan, it would be a good idea to have it included!

Okay, so this is something that is very important to me as I have two dogs myself and they are definitely in the car more than they are out of it.  Does your car insurance cover your pets if something should happen?  Well, that is a difficult question to answer right off of the bat and while I do not know about most companies, but there are quite a few companies out there that are including this pet car insurance policy at not extra charge to the owners of the pets.

Progressive is one of those companies and I have to say – while I just switched form Progressive to State Farm, that is definitely one of their perks that could have me running back to Progressive.  They offer this incredible policy at not extra charge and if something does happen to your pet or pets – because they cover up to two, they will pay the vet bills up to $1,000.00 and will replace your dog if something happened to them.

This is a fantastic freakin’ policy and I swear that more companies should be doing this as this generation of people are definitely dog people!

There are so many reasons why you might need to get one day car insurance.  If you are taking a trip somewhere just for one day, if you are transporting a car from one state to another, if you are looking to drive your car around for just a day – and you need to know about it!  One day car insurance can be difficult to find, however, if you look hard enough, you should be able to find something that will suit all of your needs.

For example, one day car insurance is going to be cheaper than most car insurance policies, they only take just a few minutes of your time and honestly, there are a ton of different websites that will let you compare and contrast all sorts of different car insurance policies just for one day.

One day car insurance is something that everyone should know about and it is definitely useful for a ton of different people!