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Author: Catherine stones

Discounted Car Insurance Prices

Discounted Car Insurance Prices

Today there are all kinds of discounts in auto insurance. They are great for helping consumer to keep their premiums low. It is amazing that how many people simply will not take the time to find them out and take advantage of them. They are always there for the taking.

There are many different kinds of discounts such as-

(1). Good Student Discounts – If a student maintains good grades insurance companies reward them with discount rates. This is based on their belief that students who consistently make good grades will not only be smarter and make better decisions, but they will be studying more than driving. This lowers their risk for being involved in an accident.

(2). Group Discounts – This type of discount works similar to group insurance for many factories or companies where people work. Consumers can be members of an organization and get a group discount. They could be part of a credit union or some other group where these types of discounts are awarded. Not all insurance companies participate in these types of discount but many do.

(3). Financial Stability Discounts – You might have to do some searching to locate an insurance company that participates in these discounts. If you can find one they are a great help in lowering the premiums for policy holders. These discounts are awarded by providers to consumers who maintain good credit scores.

(4). Theft & Safety Devices – It is common practice for insurance companies today to offer discounts for safety devices and anti-theft equipment installed on cars. They like these precautions because it cuts down on the number of claims that are likely to be filed. That makes these devices a very good investment for car owners. They will eventually save more than enough on premiums for their one-time investment.

(5). Multi-Car Discounts – A consumer can save a significant amount on premiums with multiple-car discounts. It a person owns two or more vehicles that are placed under the same policy the premiums will be lower when compared to obtaining separate coverage on each vehicle individually.

(6). Defensive Driving Discount – Once drivers have left the ‘inexperienced’ demographic (after about 3 years) they will see their car insurance rates go down. It goes in the opposite direction for drivers over age 55 because they become more of a risk. However, these drivers can take a defensive driving course and have their premiums lowered by as much as 10% on a Defensive Driving Discount.

Wealth Management

Wealth Management

Wealth management advisors, independent wealth management advisors (CGPI) advise and propose to their clients the investment strategies or the most suitable products. They offer them a service with high added value allowing the optimization of their heritage. Not dependent on any network, bank or insurance company, ACCESS FINANCES consultants have the freedom to propose, in all objectivity, the most suitable solutions.

Our expertise lies in four areas of activity:

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Our interventions may be remunerated in the form of fees, the terms of which are specified by a letter of assignment previously submitted and accepted by our clients, or by remuneration linked to investments.

Rates of Car Insurance

Rates of Car Insurance

Getting the best car insurance rates is important in a tight economy. The reason for the large variances in car insurance rates across the country is the huge number of different insurance providers. All these insurance companies are competing against one another to attract customers. It is the smart car insurance shoppers who end up with the best rates. Comparison shopping is a crucial part of finding the best affordable car insurance rates.

Determining Factors For Car Insurance Rates

Each state has a different set of laws and regulations. Shoppers need to locate the best affordable car insurance providers in their state and compare them to others from that state. The state you live in has a lot to do with what your car insurance rates will be.

Demographics plays a huge role in what car insurance rates will be. For example, younger drivers will generally pay higher rates than older drivers. Everything is ruled by statistics and the statistics reveal that young drivers have a much better chance of being involved in an accident than the older drivers. This puts them at higher risk and therefore at higher rates as well.

Jobs are also figured into car insurance rates. Some jobs require more travel than others. Logic dictates that the more miles a person drives the more probability of an accident. Higher mileage increases risk and the rates will follow suit.

Aside from the state you live in the area will also be a contributing factor. Some areas are considered more high risk than others. People who live in areas that have higher car repair costs or higher medical care or incidents of crime or accidents will have higher insurance rates. The insurance companies leave nothing out of the calculations.

Even you credit score is part of your rate calculation. Many car insurance companies still involve credit scores in their calculations in spite of the fact that newer legislation has cracked down on that practice. Still the insurance company likes to know if a person is dependable and pays their debts and if they have had any bankruptcies. This is a good indicator in regard to any future claims activities.

Having a good driver profile goes a long way toward getting cheaper insurance rates. Driving history is yet another key factor in the calculations. If your history shows you to have been a safe driver and are a low risk for filing any future claims then your rates will come down.

Personal consumer information is the next factor in insurance rates. This includes occupation, salary, age, and address. They are all considerations for insurance companies.

The kind of car you drive will play a part in your rates as well. The insurance companies will factor in the model of your car, what year it is, what the maintenance and repair costs are, and what security devices are installed on the car. Usually you can measure it like this – the more expensive your car is the more expensive your rates will be.