I’m a mother of a 19 year old kid. He is starting a delivery service and I am worried about car insurance. What can I do as a mother to find the cheapest  commercial vehicle insurance.

Marian

Jackson, MS

Your kids will not drive their toy cars forever. Eventually, they will grow and learn to drive the real thing. Although the idea of it can be uplifting (knowing your babies are grown up and starting to be independent); it can also be daunting. It is simply because they are inexperienced and they are not yet fully aware of the dangers of the road.

Well you can always do something about it. You can be a role model to them. Teach them how to drive safely. Enroll them to driving classes. However, we can never tell when accidents will happen. They might not find it but it can find them. Let us face it. The world is full of careless and irresponsible drivers.

Therefore, if prevention does not work, the right protection you can give to them is car insurance. However, there are certain things you need to learn about car insurance for young drivers.

First, expect that purchasing car insurance for young drivers will wind you paying for higher rates. As mentioned above, most of them are inexperienced drivers. Therefore, they are most likely at risk for accidents. Second, statistics have proven that younger drivers are also prone to accidents. Insurance companies consider age as a factor for calculating premiums. In this case, it will normally be high. Third, the gender of your kids can also affect your rates.

However, you can always save if you decide to cover them under your policy. You can also inspire your kids to get good grades at school. Encourage them to keep a clean driving record. Lastly, pick out cars, which are safer to drive. Eventually you will be entitled for discounts to lower you rates. Doing these things will not only protect your kids from accidents; your savings is also ensured.

I am new to this online purchasing of insurance policies in Texas. How can I get cheap commercial vehicle insurance quotes from the Internet and purchase a policy?

Dave

Houston TX

The Internet has provided a magnitude of benefits to us these days. It has given us the convenience to make our lives easier as we continue to do our tasks each day. Without the Internet, learning about the world of vehicle insurance will be an arduous task for us. Thanks to the Internet, we have great wealth of information sources to discover the importance of having insurance policies in our lives and the tips that will help us get the most out of our policies.

The power of the Internet will allow you to grab as many motor vehicle insurance quotes that you will need in your search for the vehicle insurance policy with good insurance coverage at reasonable price. That’s not all. You even receive these large quantity of quotes all in a matter of minutes. It is that fast and easy, thus increasing your productivity and efficiency.

First and foremost, the most obvious thing that you need is having access to an Internet connection. This shouldn’t be hard for you since almost everyone has access to it. Whether you are at home or in the office, make sure that your personal details is secured in the computer you are using.

Next, you need to know where you will get your motor vehicle insurance quotes in Texas. There are many web sites that can process your request for quotes. Most often, they are affiliated with many vehicle insurance companies where they can get your quotes from. In a matter of minutes after you submit your request, you’ll have many vehicle insurance quotes at hand.

Make sure you compare the motor vehicle insurance quotes against each other. Which quotes are offering you insurance coverage types that you need? Which ones are offering you enough insurance coverage? Which ones fit your budget?

Before you purchase your vehicle insurance policy online, check how much you’ll be paying. Is this the same amount as quoted in the proposal? When can you start paying? Are there no questionable or ambiguous terms and conditions in the policy? Once you feel secured with your policy, you can purchase it already. Happy hunting!

A friend of mine, who’s only 20 years old, has been complaining about his commercial vehicle insurance here in California. What can I tell him to do so that he can be able to save money from it?

Gem

Anaheim, CA

A young driver like your friend could be able to get lower commercial vehicle insurance in California if he just follows some simple things. Here are some helpful tips for him:

1. Make sure that his vehicle is equipped with safety features such as anti-lock brakes, car alarm, airbags, etc. If he already does, let his vehicle insurance company know about this so that he will be considered low risk, thus, he can save money from his vehicle insurance.

2. If he still studies, he can get a good student discount on his vehicle insurance if he has an average of at least B in school.

3. Let him know that he has to reduce his mileage so that his risk to have accident will be reduced as well.

4. Tell him that he has to take care of his credit history so that he can be perceived as a responsible person, thus responsible in driving as well.

5. Keep a low profile vehicle and inform him not to drive a sports car because this has higher vehicle insurance premiums.

6. Advise him that he has to shop around for vehicle insurance quotes and compare them. He has to visit at least three vehicle insurance comparison quotes sites so as not to miss offer from other sites. This will give him a much wider basis for comparison and boost his chances of having better vehicle insurance quotes.

I heard commercial van insurance companies in Maryland offer discounts for security device system but I am just wondering what security devices are they. I need to get discount on my car insurance because I cannot afford it any longer. Do you know any car insurance companies who offer this kind of discounts?

Michael

Baltimore, MD

Generally, most insurance companies in Maryland and in other states will allow to get anti-theft or security device discount which would apply to Comprehensive coverage.

The discount that you can get may vary from one insurance company to the other but typically this can save you up to 5% to 20% savings and this is usually applied to car with a passive disabling device which renders the fuel, ignition or starting system inoperative.

Most newer car models have this type of system already installed as standard equipment. The car insurance discount will usually also apply to cars with LOJACK devices. Usually, proof of installation, such as a receipt or service order must be provided as a proof.

Do not worry, a lot of Maryland car insurance companies are offering this type of car insurance discount. Other than that, you can also take advantage of other discounts as well such as low mileage discount, good driver discount and defensive driving discount.

How exactly do I get myself affordable commercial motor vehicle insurance coverage without sacrificing coverage or liability limts?

Joe

Hartford, CT

Good question. There are still many ways to get affordable auto insurance coverage these days. Here are some very useful tips to help you out:

1. Get Your (Driving) Act Together - A good driving record can help you a lot in keeping your auto insurance within budget. The less risk you have getting into car accidents, the lower your rates become.

2. Good Credit Helps a Lot – Excellent credit can go a long way to save you money. Insurers look at people with good credit as more responsible drivers who deserve cheaper rates.

3. Bigger Deductible, Bigger Savings – Set your deductible to a higher amount to lower your premiums. Just make sure you don’t make it too big.

4. Drive Less, Save More – Reducing your total annual mileage can make you eligible for low-mileage discounts (check with your insurer for exact mileage threshold).

5. Avoid Filing Claims Frequently – Filing claims are essential, that’s the reason you got insurance in the first place, but the more you file claims the higher the risk you represent to your auto insurer. Save that claim for when you actually need it.

6. Do Some Legwork – Shopping for auto insurance online can cut you some slack on expensive coverage. With the help of an online auto insurance comparison website you can get and compare the latest offers coming from a wide selection of insurers.