Now that we have talked about physical pain and damage, let’s talk mental.  Whenever you are in an accident, the one thing that could potentially be scarred for a very long time is your mind.  Mental anguish is not something that every single person experiences, however, you could experience it if you are in a car wreck – and then you need to report it. 

Whenever you think you may be experiencing mental anguish, you want to make sure that you seek out some psychological or psychiatric help.  A professional will be able to help you live a normal and healthy lifestyle and they will be able to document everything – which is really what you need to prove it in court.

Whenever you are trying to prove something, you want to make sure that you save everything – that is what you should do in this case as well.

The tickets are a huge part of your driving record, however – how many accidents you have been in will also affect your premium big time.  If you have been in five accidents in the last five years, that is like having one accident a year and the insurance company will consider you a reckless driver that is not only not safe but also a risk to them. 

What this means for you is that you car insurance premium will be extremely high most of the time and it truly does not matter which car insurance company you go with.  Car insurance companies like to ensure that they are insuring very safe drivers and a lot of them even give discounts to safe drivers – so if they see you as a liability, it might be difficult for you to even find car insurance in the first place!

Now that you know exactly what you need to do to keep your car insurance premiums low – make sure that you do them!  Car insurance is something that you need to have and if you can save a little cash … why not do it?

Now that we have touched base on tickets and how they can affect your premium, let’s talk about what type of tickets can affect your premium.  When you are given a ticket, you are also given a checklist of how much the ticket is going to be and whether or not there are points added onto your license. 

Those points are going to be what truly will mark up your car insurance premium.  If you get a speeding ticket for example, depending on how fast you were going, your car insurance premium could go up by hundreds of dollars a month.

However, tickets are not the only thing that you need to worry about in the way of your driving record, how safe of a driver you are is something that you need think about as well.  If you are a reckless driver, that will reflect in your driving record and could make your car insurance premiums go up.

Car insurance is by far the most confusing thing in the world – I know that I am constantly confused by it and while I know that there are many different things that can affect your premium, do you know what they are?

 I didn’t until I started writing for this particular blog and now I know that my driving record actually affects what I am going to be paying for a car insurance premium.  In this post and the next couple, we are going to explore exactly what you can avoid to keep your driving record spotless!

One of the first things that you are going to need to avoid is tickets – to be completely honest, depending on which ticket you get will depend on what your premium will be.

I am a huge – huge fan of the internet.  I have to tell you that no matter what happens, I am always going to have the internet and use it.  Actually, I have since kicked my old habit of looking in the yellow pages for anything at all because the internet is so useful.  However, did you know that there truly is some valuable information in the yellow pages – and I found that out fairly recently.

While most people are internet savvy, the cool thing about the yellow pages is that you do not have to be internet anything – because you can just look it up by the categories in the book.  So all of you people that truly have no idea how to use computers, the yellow pages are going to become your bible and something that you should definitely look into – seriously!

Personally – I will not use the yellow book as many as most, but I will use it sometimes and that’s good enough right?

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!