Saturday, September 7, 2013
Wednesday, October 24, 2012
There are several unchanging questions in the forms we have to fill in to get automated insurance quotes. After age and sex, we have to give our level of education and state the current employment. Why ask about employment? The answer is one of the statistical links between the type of work we do and our attitude to driving. For example, doctors, teachers, engineers and scientists drive more safely than average, i.e. they are involved in fewer accidents and make less expensive claims. The other end of the spectrum is occupied by people in the entertainment industry, stock brokers and higher level bankers, and so on. It’s the difference between the quiet analytical people and the more brash and aggressive people who want to show off. In the middle are the thousands of manual and administrative jobs. Some will involve higher risks because they depend on driving more miles as a sales representative or delivery driver, or the driving is done at more dangerous times of the day or night.
Many insurers divide the different types of employment into groups representing different levels of risk. This does not always appear to match the accident statistics. For example, some drivers will have quite high numbers of minor accidents but, because of time pressures and the availability of enough cash, they will pay for repairs out of their own pockets. Remember auto insurance companies are in business to make profits and so they focus on the number and value of claims. So if you happen to have a low income and a job with more risk, you will always pay a higher premium than, say, a doctor who may have more accidents but pay for his or her own repairs.
So, when you are changing your employment and this will mean commuting at off-peak hours or it’s a desk job, not one requiring you to go out of the office, always tell the insurer immediately. The free auto insurance quotes should confirm the premium rates have fallen. Indeed, using the online sites to get free auto insurance quotes gives you the chance to find out which are the low risk jobs.
Free auto insurance quotes when you change your jobs
Getting affordable auto insurance these days can be difficult especially with everyone trying to save as much as you would like to save. There are a few ways for you to get a good discount on your auto insurance premium and this includes buying multiple policies from one company. If you are a loyal customer i.e. you already have your homeowners’ insurance and life insurance in place with one company, you might as well get your car insurance from them too because this would entail getting more discounts from your insurers. Bundling these insurance policies will also lead to more savings on your end.
Joining certain clubs or organizations that actively work out or have already auto insurance discounts in place coming from certain insurance companies is also one good way to save money on your premium. It is of course important for you to note that not all insurance companies honor such discounts that is why you should ask your club or organization which ones do.
Defensive Driver Discount is another type of discount that you can take advantage of. You can get this by enrolling in defensive driving courses. Your car insurance rate will definitely be lower if you have a Defensive Driving certificate. Experts say that the discounts one can get from defensive driving is quite hefty so might as well go through with the class. It is a win-win situation anyway because defensive driving techniques can save your life.
If your teen qualifies for a good student discount there will definitely be money to be saved for any parents that are looking for discounts on their teen’s auto insurance premium. This discount is only available for students who go to school full time though so you better take note of this little detail before applying for one because you can be sure that your insurance company of choice will ask you for certain requirements.
Driving a car that is equipped with safety features is also one of the best ways to get a discount from insurers. Experts advise those who are applying for auto insurance policy to ensure that they indicate all safety features installed in their cars because this is definitely a discount that you should pursue.
Checking the different types of discount on auto insurance