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Half Dozen Tips in Buying a Car Insurance

1. Get married

It may sound funny but it is true. Single, divorced or maybe widowed individuals tend to have higher premiums. This is due to the fact that statistics shows that people with no family on their own have more tendencies to be involved in accidents. This can be compared to younger people who are prone to accidents which are back-uped by figures and statistics. This maybe because they have no other people to think of and they become more careless than people with wives/husbands and sons/daughters.

2. Clean up History Credits

Your history will haunt you. Insurers are looking into your past debts, payment histories and previous car insurance. They will have higher premiums for individuals who have shaky credit history and charge lower fees if otherwise. They are thinking that a responsible person in paying his/her dues on time will most likely not have claims in their insurance regulary. A problematic credit history with many issues in the past will certainly add some dollars in yearly premiums.

3. Love Rural Areas

Insurance companies charge lower fees for people living in the rural areas. In these areas, few people are living, roads are wide, few cars and will contribute to less chance of having an accident. Auto theft also is rampant in urban areas and there is greater chance that clients will claim their insurance. A lot of un-insured motorists in the city also add in your insurance rates. So if moving out is an option for you, go to the rural areas.

4. Want to be a pilot?

Your occupation has an effect to how much insurance companies will charge you. Insurance rates will be lower to occupation such as pilots, navigators and actors. Stressful jobs such as lawyers and in the field of business have higher premiums. This is because they often on the road and on on their cellphones and contribute to higher fees. Whereas pilots for example are well trained in cautious driving because of the discipline needed in their jobs. Less stressful jobs such as performers will also most likely not be involving in a car accident. Live a non stressful life and pay less on your insurance premium.

5. Drive safely

Accident histories will affect your insurance rate. The standard is to increase the premium by 40% if you ever had an accident. For example, your rate will increase by if your premium is 0. However, not all insurance companies play with this rule. Some are lenient on first time offenders. Bottom line is, drive safely to save some dollars in the future.

6. Cash is good

Insurance companies allow you to break up your annual premium fee into months, quarterly or by 6 months. However, they charge some administrative costs if you split your payments. The more splits you have, the greater the fees add up. So it is better to pay the premium in just one time and save money in the future.

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Washington likes acronyms when it comes to lawmaking and this new law is no exception. This is the Genetic Information Nondiscrimination Act and this November sees it finally come into force. Because it affects both employers and the insurance industry, this has been a hard-fought change and was only signed into law last year. Now it should prevent you from obvious discrimination. Sadly, it does not rule out discrimination by backdoor means. If an employer overhears you talking at the water cooler or routinely surveys local news including the obituaries, it is legal to use this information. But, overall, you should find some improvement. It covers two different situations with the same type of result. Firstly, it prohibits employers from asking you to go through a genetic test or making genetic information the basis of deciding whether to hire, promote or fire you. Secondly, it prohibits insurers from testing or demanding genetic information about you or your family in deciding whether to offer you coverage, in setting the premium rate and level of the deductible, or continue the cover.

Let’s be completely clear. The law does not care who is asking for the information If it is going to be used for either purpose, the asking is unlawful. If this happens to you in an interview, it may pose a dilemma. If you cite the law and refuse to answer, the interviewer may think you a troublemaker with something to hide and not hire you. That you can complain to the local Department of Labor and take satisfaction in seeing a civil penalty imposed, this does not replace the offer of employment in these difficult economic times. The temptation to answer will be strong. But when it comes to insurance companies, you must stand up and assert your rights. If the insurer persists, report to your state’s Department of Insurance. This will put the insurers at risk of losing their license to sell policies in your state. This is a big stick to wave in defense of your rights. More importantly, the Department can order the insurers to offer you insurance on regular terms which protects you. Once employed, it’s just as important to stay alert. The operators of group health plans are known to offer incentives like lower premiums to employees who answer a questionnaire including questions about their family medical history. Obviously, insurers want to know if there is a risk of serious diseases like cancer. You might be more at risk if there is a history of cancer in your family.

The reason for the law is important. Genetic tests are increasingly important in diagnosis and deciding on the best treatment for medical problems. Too many patients were refusing these tests because they feared discrimination should their employers or health insurance companies learn of the results. The medical profession strongly supported this change in employment and insurance law. Doctors want to be able to make an accurate diagnosis which means using the best available tests. With this law in place, your rights should be protected. If you are considering a change in insurer, remember you cannot be discriminated against when the companies give you health insurance quotes. They must always be able to prove their quotes are close to the average for people of your age, gender and general social background. If you think you are being victimized, complain.