Age 25 and Married

Save Insurance Auto InsuranceMarried policyholders aged 25 years of age get more discounts than singles. Auto insurance companies will count your age and civil status into the calculation of risk factors. You cannot shake insurers off the widely-held impression that teenage drivers are the least equipped with driving experience but the most supplied with adrenalin. The mismatch often results in vehicular crashes which accounts for the leading cause of male teenage deaths in the U.S.

Hertz rent-a-car company is right. It lends out its car fleet to customers 25 years of age and up. It has been scientifically proven that the human brain comes to full development on or before age 25. That means, Hertz as much as insurers want levelheaded and conscientiously responsible individuals behind the wheels.

Being married will up your discount points. A married policyholder works for a living to pay the bills or raise his family. It is an indicator of responsibility. Moreover, it is a proof of the holder’s financial capability to pay the premiums.

Of course, couples get their spouse covered. But sometimes, one of the spouses applying has a bad driving record that doesn’t sit well with insurers. If the spouse has a bad record and you have a good one, put her as your secondary driver and that beats the obstruction to getting your couple’s discount.


California State Auto Insurance

State Auto InsuranceUS states are governed by certain legislations to include state auto insurance. Each state has its own minimum requirement for property and bodily injuries but not all cover financial responsibility.

Like in the state of California, the Financial Responsibility law states that insurance policy claims must be complied in several ways. If you are a vehicle owner, you can obtain a surety bond of $35,000 or get a state auto insurance policy from a licensed insurer. Or you can make a cash deposit of $35,000 with the Department of Vehicles (DMV).

The state’s minimum limits of liability is $15,000 for bodily injury to one person; $30,000 for bodily injury to two or more individuals; and $5,000 for property damage. Drivers should be aware that this covers injuries and property damage not sustained by the policyholder.

State auto insurance must be purchased to comply with the requirements of the land. But not many realize that California has one of the lowest requirements for liabilities. Buying these low limits usually results to having these motorists shoulder the remaining cost of damages that are in excess of what is covered in the policy. This can surely create a dilemma and should never be the case.

Experts advise motorists to buy policies within the limits of $50,000 to a hundred thousand to easily catch up on the financial dilemmas should a third party be seriously injured or for any indemnities owed by the policyholder.


Simple Ways to Save on Insurance

save insuranceInsurance companies offer different plans available in different rates. It is very important for you to choose companies that can satisfy your needs. But it is also helpful to know some simple ways to save on insurance. Always make sure to shop around and check out on price quotes of insurance companies so that you can compare their prices and their offered discounts as well.

There are some discounts available when one is aiming to save on insurance, and it includes: senior citizens’ discounts, theft deterrent discounts, mature driver discounts, discounts for good driving discounts, claims for free discounts, and even loyalty discounts for availing the same insurer for years.

Paying the premiums annually is also another way to save money on insurance. There are companies that charge financing fees, so paying premiums more than once a year will also charge you every time you pay. So better yet, save in advance and pay premiums only once a year.

Moreover, always make sure to check on the details each time you receive a policy renewal. Making a mistake on insuring yourself for the wrong vehicle will cost you money. Details like your name, address, V.I.N and policy numbers should be checked more than once before entry. There are also possibilities that the company has included additions to your insurance policies. Never forget to thoroughly read all the papers you’re entitles to sign, or at least ask questions so that it would not cost you more than you have expected.


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