Get Really Cheap Car Insurance

Keep it safe. If you want a little more cover, you can reduce costs by parking your car in a secure garage, this reduces the likelihood of theft and your premiums.

Get a cheap car. That’s right. If you’ve got a Lamborghini, you won’t be able to get very cheap insurance. A cheap car normally means lower premiums as its less likely to be stolen.

Keep your record clean. If you have more tickets than sense, then its going to be very difficult for you to get cheap or even reasonably priced insurance. Be a safe driver, a careful driver, a driver who has money left over for petrol after he pays for his insurance. Being female may also help, but there’s not much you can do about that if you’re a guy.

Get it online. Many companies offer discounts if you buy your insurance online, and why not. Saves you time and money and you can’t beat that.

Don’t let the kids drive the car. Teenagers can add massive amounts to your premiums because of their propensity to crash into things. If you want to save money then keep them in the passenger seats.

Combine it. Combining your car insurance with house and contents can lead to savings in both areas. It’s worth thinking about if you have some nice things at home.

Routes to Cheaper Car Insurance

1) Shop around and buy online: Figures show that many people simply renew their current policies without shopping around. The internet makes it easy to compare prices from different insurers, so why not take advantage of this? Plus, you’ll usually get a discount of 10{003491dbbd4cc0b74e69580e955ffd3c40a8346a4eefda9728ac2915a176b5e3} or more just for buying your policy online.

2) Policy type: do you really need a comprehensive policy with all the extras? Going for a third party fire & theft policy can reduce your premiums hugely, and is definitely worth considering if your car isn’t an expensive model.

3) No claims discounts: Nearly all policies feature a discount that increases for every year you don’t make a claim. The higher the discount available, the more you could save. Also look at insurers offering a ‘no claims bonus for life’ feature, where your current discount level can be fixed forever, even if you have to make a claim somewhere down the line.

4) Excess: The excess on a policy is the amount of a claim you have to pay before the insurer pays the rest. Choosing to have a higher than standard excess level will usually mean lower premiums.

5) Security: Fitting your vehicle with an alarm, immobiliser, or other security devices can lead to premium reductions. Parking you car off-road, for example on a driveway or in a garage, will also mean a cheaper policy.

Car Accidents Claims

If you have been hospitalized for a long period of time, you are entitled to a higher compensation. If you are unable to work because of disabilities you may be eligible for a lifelong compensation. The compensation of disabled person will include the beneficiaries of the victim. He will also get the income he earns in a year. In considering your car’s insurance, make sure that you know what your insurance covers. Dealing with the accident requires investigation to know who is at fault, and to find out if the other party is required to give compensation to the victim. An accident lawyer is perfect for this situation. You might not be familiar with the rules of filing for a claim, but a lawyer will be.

Sometimes, being handicapped allows for the full compensation in filing for a claim. In order to get the compensation, you must choose the best lawyer who will not take advantage of you and your rights as a victim. Sometimes, the law takes advantage of the disabled person and of those who are not aware of the rules.

Claims and compensation will consider the nature and the duration of injuries. If you have recovered from the injuries in days, you will get a smaller compensation compared to severe injuries which might take a month or longer in the hospital to heal. You should not worry about the expenses because you will rightfully get your compensation as long as the case is adjudicated. Pain, suffering, and disability is measured in determining a rightful compensation.

The law requires car insurance intended for public use. So it is better to find out if your car is insured and the consequences that you may face should you have an accident. It is important to make sure that the statements that you are going to give to your insurance company are correct so that the claim will be handled accordingly.

7 Ways to Keep Home Insurance Costs Low

In the United States, the average price for a median home is estimated to be $200,000. projects the cost of insurance for such a home to be about $1,228. But what makes home insurance this expensive?

It’s generally hard to pinpoint a specific factor since it can be anything ranging from high-risk location to poor house condition. For example, expect to pay higher premiums if you stay in an unsafe or disaster-prone neighborhood. Similarly, expect to pay much more if your home is old and worn out.

Additionally, you may incur higher premium costs if your credit score is poor. So, how do you keep the cost low? Lange High Net worth Insurance recommends the following:

  1. Increase Your Deductibles

A deductible refers to the money you take out of your pocket to pay for a loss as you wait for your home insurance to act. Usually, paying higher deductibles translates to reduced premiums. If, for example, you increase your deductibles from $500 to about $1,000, you are likely to save up to 25% on your insurance premiums. However, you should talk to your agent first to find a comfortable deductible limit.

  1. Hunt for Discounts

There are so many ways to score discounts on home insurance. You just have to find what suits you. Popular options include:

  • Claim an age discount if you are a senior citizen
  • Take advantage of the free-claim discount if you haven’t filed a claim for 10 years or more
  • Move to a gated community to enjoy a gated community premium discount
  • Bundle up your insurance policies (life insurance, auto insurance, home insurance, etc.)
  • Join a Homeowners’ Association (HOA) to enjoy an HOA discount
  • Quit smoking to start enjoying the nonsmokers discount
  1. Enhance Your Home Security

Home insurance companies look at home security risks when quoting premiums. If the risks are fewer, expect to pay lower premiums. So, you should find ways to enhance your home security if it’s costing your higher premiums. You can do the following:

  • Invest in a burglar alarm or surveillance system
  • Fit tamper-proof locks on the windows, doors, and gate
  • Ensure your home is not left uninhabited for too long
  • Cut down nearby trees to eliminate the risk of them falling on your house
  1. Fortify Your Home Against Disasters

If your home is located in an area prone to disasters like flooding, fire, and earthquakes, you don’t have to move. It’s generally costlier to buy a new home than to reinforce an existing one. Here are some tips you could use to fortify it:

  • Install smoke detectors to sense fire threats
  • Fit the right flood openings to reduce the risk of flood damage
  • Elevate the floor level to resists flooding
  • Reinforce your roof and walls to resist earthquake damage
  • Install water barriers to resists hurricane damage
  1. Build Your Credit Score

As mentioned earlier, a poor credit score can raise your premiums. Normally, home insurance companies look at the score to predict your likelihood of filing a claim. To them, having an impressive credit score means a lower chance of filing an insurance claim. Therefore, you should try to build your credit score if it’s less impressive. One way to do it is by paying all your debts.

  1. Do Necessary Renovations

Not all renovations can reduce your insurance premiums. For example, adding an extra room into your existing home could raise your premiums instead of lowering it. However, changing the roof and updating the plumbing or the wiring could reduce your premiums by almost 25%. You just have to figure out which renovations are cost-effective in the long run and which ones are not.

  1. Dismiss Land Coverage

Lastly, you should check with your home insurance agent to confirm if the piece of land that your home sits on is covered by your home insurance policy. If it is, then you should consider excluding it. Doing so will significantly reduce the cost of your premiums. You can include a feature like a swimming pool, but you don’t have to cover the land when there’s nothing on it.

Final Thoughts

Though home insurance is traditionally costly, there are ways to keep the premiums low. It all starts with identifying the factors that affect the price. The above approaches will get you started, and you can count on them to save you from paying expensive premiums.

Upcoming Honda Civic – The prodigal Son Returns!!

When the eighth generation Honda Civic was launched in India, it called for all automotive enthusiasts’ attention. It was one of those Honda cars that looked distinct and interesting, so much that it etched itself in many car enthusiasts’ memories. Its spaceship-like design combined with its cockpit-like frost cabin is a design that became distinct with the car and recently to the joy of many a Honda fan, Honda announced their new civic that is expected to launch in India in March of 2019. The car has skipped a full generation in India though as we are getting the 10th generation and not the 9th which was never launched in India. That being said the new Civic follows the same aesthetic of the old car with its exterior looking sleek and angular and giving off a very sporty and ready to go vibe.

Honda Civic Price

The Honda Civic price is expected to be between ₹15-23 lakh. The Honda Civic will be offered in 2 variants, petrol and diesel variants. The petrol engine is a 1.8 liter with a CVT automatic, and the diesel is a 1.6-liter manual engine. Its interior also has a similar feel to the old civic, giving the cockpit feel with a digital instrument cluster. The Honda Civic comes with many modern amenities as expected with a modern car of its price range like electronically adjustable seats as well as a full touch screen panel that manages all your navigation and entertainment needs that is compatible with apple car play and android auto as well. The interior has a trim that is made of a soft touch material and even comes with upmarket leather upholstery. A standard sunroof is present in all models of the car with an enormous boot space of 430 liters to hold that extra luggage while one travels so that one might not miss the slightest thing back home.

Also, check the upcoming MG Hector in India.

The Civic comes with a new safety feature called the lane watch in which a camera placed under left-right ORVMs which activate whenever one indicates which relays a video feed into the touch screen display enhancing the already generous safety suite that Honda offers which includes 6 airbags and ABS braking system and EBD.

Honda Civic Performance

The diesel engine is the same as the one used on the currently existing Honda CR-V producing 118Bhp and 300Nm of torque with an ARAI certified efficiency of 26.82 km/l. The petrol version comes with an engine that produces 139Bhp and 174Nm of torque with an ARAI rated mileage of 16.5 km/l. Honda has specifically tuned the ride quality for Indian roads, not just with the wide 17-inch wheels but also by raising the front end by 20mm and the rear end by 15mm when compared to the old civic.

Credit and Car Insurance

We’re all aware that our credit score is used to determine the spending limit on our credit cards or interest rates on loans. Our creditworthiness is used by lenders to gauge our ability to pay back loans and the amount of money we have to do so.

On the contrary, insurers don’t care how much money you have in the bank–they just want to know how you’ve used your credit in the past and how it’s influenced the way you pay bills, loans and other debts.

Because insurers use credit differently than traditional lenders, they’ve come up with a score all their own: the insurance score.

Formulating an Insurance Score

How do insurers formulate an insurance score? Fair Isaac, a financial management solutions company, provides insurers with a formula with which to calculate your insurance score. And while that formula does involve your actual credit score, your insurance score is calculated in a way which quantifies how you’ve used credit in the past.

The good news for consumers is that because of this formula, no one item can prevent you from receiving a good auto insurance rate. But what is of concern to car insurance shoppers is that insurance rates can vary from insurer to insurer.


For the most part, insurers are allowed to come up with their own scoring models. This is also good news for consumers–your insurance score might be better with XYZ Company rather than ABC Company. This further highlights the importance of shopping around for the best auto insurance rate.

Elements of an Insurance Score

So how do you know what components are incorporated into your insurance score?

According to Fair Isaac, the following factors are used to determine an insurance score:

  • Payment history
  • Length of credit history
  • Amount owed on revolving accounts
  • Delinquent items and collections
  • Amount owed for delinquent items
  • Time passed since last delinquency or late payment
  • Total amount of outstanding debts

Fair Isaac does not consider the following:

  • Race, age, sex, marital status, religion or country of origin
  • Employment history, job title or salary information
  • Child support agreements
  • Rental obligations
  • Whether you have or are participating in credit counseling
  • Where you live

If you’re curious about your insurance score, direct all questions to your insurer. While they may not disclose your actual score, they should be able to answer any and all questions related to credit-based scoring.

Cleaning Up Credit

While some states are questioning the insurance industry’s right to use credit information in determining auto rates, 92 percent of the nation’s 100 largest auto insurers are currently using credit to develop insurance scores–and folks with bad credit are paying anywhere from 20 percent to 50 percent more than drivers with good credit.

Obtain the best possible insurance score and:

Look over your credit report. Most states entitle you to at least one free credit report each year. Get a copy of your credit report and check for any errors that may hinder your ability to obtain a good insurance score.

Pay on time, all the time. Automatic withdrawals and online banking are making it easier for consumers to make timely payments. If you have a hard time remembering what bills are due and when, online bill pay is probably a good move to make!

Pay down large balances. If you have large outstanding balances or revolving debt, work on paying those balances off as soon as you can. Revolving debt has negative affect on your credit score–especially if you owe large amounts of money.

You Need Car Insurance

Actually, understanding well about auto insurance before taking a policy of car insurance will give you the confidence that the insurance company you choose is the best and will take care of your needs in case of necessity. There are many factors to be considered before you choose your auto insurance. Some of the factors are the type of car you have your driving records and the amount of premium you can pay.

Actually car insurance is a must when you have a car. Purchasing car insurance is actually buying a policy, which is based on the factors like the type of car you have and the kind of insurance you opt for. Car insurance policies are in fact a package with different coverage for your vehicle.

The liability coverage pays for any injuries in the body, which includes medical expenses, suffering, pain and wages lost. It also includes other damages like damages to property and automobiles.

There is another coverage called collision, which usually pays for the damages caused due to collision with other vehicles or other objects. The comprehensive coverage is not just for any car accident but also for damages caused due to fire, flood, theft, hail or vandalism.

The medical coverage pays for the medical expenses caused by car accidents. When your car meets with an accident and you use a rental car, then you can make use of the rental reimbursement coverage. More often this coverage offers daily allowance for rental cars.

Apart from the safety net that they provide you in case of accidents that may be your fault or the other driver’s fault, the most important reason that car insurance is mandatory is that almost every state has laws requiring a certain minimum amount of insurance for cars and drivers. It is better to know the laws prevailing in your state to find out the optimum amount of insurance you require.

While purchasing you should also look for companies that offer discounts on many grounds. There are discounts for accident free driving, for good students, for having more than one car etc., so ask the company about the discounts that you can avail.

Discount Car Insurance

Multiple Policy Discount – This one is common and yet there are many people that do not take advantage of this discount. This discount can be as high as 15{003491dbbd4cc0b74e69580e955ffd3c40a8346a4eefda9728ac2915a176b5e3} with some companies.

Good Driver Discounts – Insurance companies love to reward the driver that has an excellent driving record. These are profitable policyholders and help bring the over all rates down.

Auto Safety Features Discount – Automobiles with airbags and seatbelts receive lower rates. Anti-lock brakes and anti-theft devices also lower car insurance rates. The vehicle identification number will identify all of these features and so it is important to give that number to whoever is quoting your car insurance.

Young Driver Discounts – Many companies give substantial discounts for high school and college students that have a 3.0 grade point average or better. The drivers training discount has been a standard discount for young drivers. Find a company that has both and you will help lower premium dramatically.

Senior Citizens Discounts – Drivers 55 and older are given retirement discounts if no longer employed. Homemakers can qualify automatically at age 55 with some companies. Mature driver discounts are also available when a driving course is completed.

Lower Tort Option – There are some states that have a lower or limited tort option. This is your ability to sue for pain and suffering. The lower tort option limits your ability to sue but at the same time it can save you 20{003491dbbd4cc0b74e69580e955ffd3c40a8346a4eefda9728ac2915a176b5e3} or more in your premium. Contact your agent or insurance company about the tort laws in your state.

Auto Insurance Savings

According to one reliable source, the average auto insurance premium fell almost 2 percent last year, to an average of just over $2,300 per household.

That may not sound like much, but it translates to an average savings of $60 a year.

If you weren’t one of the lucky ones who got a pleasant surprise when your auto insurance policy renewed this year, don’t despair. You can still save money on your premium by following a few simple steps:

Comparison Shop. If you have a good driving record and/or buy a safer car, your premium should go down. Plus, with some companies now charging lower rates, increased competition means better auto insurance rates for you! Take advantage of online marketing services like to find the best auto insurance rates from competing insurers.

Find out what your insurance will cost before you buy that new car. Auto insurance companies typically charge more for cars that are expensive to repair or don’t fare well in accidents. So before you drive off that lot, make sure your new car is considered safe, and relatively cheap and easy to repair by your insurer. This will help minimize risk…for both of you!

Ask your insurer for discounts. These cost-savers can lower your insurance premiums more than you might think:

Combining two or more cars on one auto insurance policy

Buying a car with airbags or other safety equipment

Installing anti-theft devices in your vehicle

Completing a driver’s education course

Insuring your home and auto with the same insurer

Applying for a mature driver discount (for those between 50 and 65)

Getting good grades (for students under 25)

Take the highest deductible you can afford. Your deductible is the amount you pay out-of-pocket, in case of a claim, before your insurance company starts paying its share. The higher your deductible, the lower your premium–it’s as simple as that. Just be sure you’re able to absorb a larger portion of your loss in case of an accident.

Improve your driving record. The more tickets and accidents you have, the more your auto insurance costs. So drive cautiously, improve your motor vehicle record, and inform your auto insurance company of the change. They’ll reclassify you as a safer driver, and lower your auto insurance rates in the process!

Consider dropping comprehensive and/or collision coverage if you drive an older car. Physical damage coverages like these reimburse you for damages to your own car. But if the vehicle you drive is several years old–or worth less than $1,000–it may not be worth much anyway. Dropping such unnecessary coverage can really save you money.

Review your policy regularly, and keep your coverage updated. Your auto insurance rates may fluctuate due to:

Adding or removing a driver from your auto insurance policy

Replacing an older vehicle with a newer one

Adding or removing a vehicle from your policy

Increasing or decreasing the number of miles you drive annually

Talk to your insurer if you encounter any of these situations. Under the right circumstances, you’ll reduce the impact on your wallet–and walk away a few dollars richer!

Travel Safe

Today, all 50 states require some form of financial responsibility when it comes to automobiles. Some states require actual car insurance from a licensed car insurance company, and some merely require us to provide proof of financial responsibility should we find ourselves in a motor vehicle-related accident one day.

Even though it’s illegal to skip out on your state’s car insurance or financial responsibility requirements, the fact is that many people to skip out. This is why it’s so important for you to protect yourself with adequate car insurance or financial responsibility, especially if you frequently travel. When we travel, we aren’t always familiar with the interstate highways and smaller town roads we drive to get to our destinations. Other drivers may be just as unfamiliar with the roads as you are. This unfamiliarity can lead to motor vehicle-related accidents.

If you’re involved in a motor vehicle-related accident with a driver who doesn’t have any car insurance, much less adequate car insurance, you’ll be able to rest assured that you’ll at least be covered. You can do this by not only meeting your state’s car insurance or financial responsibility requirements, but by exceeding them. Consider going beyond just purchasing liability insurance and purchasing full coverage insurance. You should also look into underinsured motor insurance coverage – this will protect you in the event that you’re involved in an accident with a driver who has no insurance, or not enough insurance, to cover physical and property damages.