You've just received your long awaited drivers license and it's time to start getting behind the wheel. Congratulations! Along with the good news on getting that brand new drivers license comes the bad news of having to get car insurance for the vehicle you'll be driving. And if you're a teenage driver with that new license the cost of auto insurance can be astronomical.
It doesn't have to be as bad as it seems though. There are some ways to get a few discounts and ease the pain of these high premiums. It is going to take some time and a little searching on your part, but getting lower cost car insurance is possible. Here are a few tips to help you in what to look for when shopping for car insurance for the new driver.
- Shop around. I know that sounds pretty basic, but you'd be surprised at how few people do this. We tend to just take the word of a friend who says this insurance agent is who they use and we just buy from them. No, it pays to do some looking around. Compare the different policies along with the price. You'll be surprised at the many differences you come across.
- Shop online. Buying car insurance online is becoming very popular. It is a very convenient way to buy insurance these days. You can find many different insurance companies online and get quotes instantly. Be sure to check this out.
- Ask the insurance agent about any kinds of discounts the company offers. Even though you're a new driver, there are still discounts that you may qualify for.
- The type of vehicle you are going to be driving will play a huge role in the cost of car insurance. Will you be driving a hot new expensive sports car? Of will you be driving an older less expensive car? I know it is tempting to want the sports car, but if you're looking to save money on car insurance, pick the less expensive car.
- Have you taken a drivers education course? Insurance companies may give you a discount for that. Again, ask the agent about this and see if they do in fact offer a discount.
- Are you a teenage driver going to high school? How are your grades? Insurance companies will give out good student discounts to new drivers. This discount could be as high as 10%. Having good grades can really pay off.
- Drive safely. You can keep your car insurance premiums as low as possible by not getting tickets, or having accidents. Never drink and drive. A clean driving record will help you save money on your car insurance both now and well into the future as well. Keep in mind that driving is really a privilege and with it comes a lot of responsibility.
These tips should help you with finding the lowest cost auto insurance possible. Don't get frustrated. Have patience and ask questions. You'll find the best policy that fills your needs.
Of course, if your home is financed and you pay a monthly mortgage then you won't have a choice; your mortgage lender will require that you keep your home fully covered by homeowner's insurance.
But whether you are required to buy homeowner's insurance or whether you choose to carry it, there are still things that you can do to lower the cost of your monthly premiums.
Start by making your home as fire safe and as burglar proof as you possibly can.
Clear shrubs, weeds, brush and trash at least ten feet away from any structure on your property. This will help to reduce fire danger.
If you can afford to have a fire and burglar system installed in your home, the kind that automatically reports to an independent company which then alerts police and fire services, you can greatly reduce your monthly premiums, which can go a long way toward paying for your protection.
Motion-sensor lights mounted on the outside of your home also discourage burglars, as does trimming back bushes around any windows or doors where burglars might be able to hide.
Deadbolts need to be installed on every outside door and working locks need to be installed on all windows, even windows on upper floors.
Make sure you have installed the correct number of smoke and fire alarms for your home and its layout. Make sure all of them are working and be sure to change the batteries in them at least twice each year (many people remind themselves by changing batteries on the days that the clocks are set forward and backward).
Buy the correct type and size fire extinguisher for your kitchen.
Once you have taken all of these measures it's time for you to jump online and start comparing homeowner policies and prices among the different insurance companies in New Hampshire.
Make sure you take the extra time to compare prices on at least two and preferably three different comparison websites. In this way you can be more certain that you are comparing all of the insurance companies in New Hampshire and that you are getting the most affordable homeowner's insurance available in New Hampshire.
Both Michael Russell & Larry Nez are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Michael Russell has sinced written about articles on various topics from Celebrities, Dieting and Diabetes Treatment. Michael RussellYour Independent guide to . Michael Russell's top article generates over 2240000 views. to your Favourites.
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