NavigationAutomotive Insurance HelperHomeAboutAdvertiseContact UsA Guide to Finding Affordable Car InsurancebyonNovember 7, 2013underUncategorized•Comments OffDriving cars comes with responsibilities, and making sure that the car is insured is one of the most important ones. It doesn’t matter if a car is new, right off the car lot, or used, insurance is the law.The type of car, the area in which the driver lives, and a few other factors, all can determine the cost of car insurance. For many drivers, car insurance is one of the most expensive monthly bills, especially in large cities, or high theft in areas. In many areas, drivers pay more for monthly insurance premiums, than they do for the car payment. This is distressing for most motorists.How do you find affordable car insurance? What is the key to finding low monthly premiums?First research what type of car insurance is required by the state, and the status of the driver. If the motorist has a bank lien on the vehicle, full coverage is normally required. Full coverage protects the vehicle if it damaged or totaled in an accident. This type of coverage includes liability, which covers the other motorist and their damage. Liability alone, is cheaper, and can be legal if the owner does not have a bank loan or lien on the car. Knowing what is required will keep the driver from purchasing anything that is not needed.It is best to know the minimum amount of insurance needed in that particular state. If a driver knows the minimum amount of collision and comprehensive coverage required by law, it is easier to search for the lowest monthly premium possible.Choose a high deductible, and get a lower monthly premium, but beware, if an accident does happen, the driver must have the available funds to pay the deductible before the insurance company offers their financial assistance to get the car repaired or replaced.Continue Reading →Annual Vs. Yearly RatesbyonOctober 7, 2013underUncategorized•Comments OffSome motorists may wonder if they will come out cheaper by paying their car insurance premium, annually. Though many are not in a financial position to do so, for those who are financially able to pay a yearly rate, it may be worth it to do so.What is better for your financial situation?Annual RatesThere are many significant discounts for those drivers who are able to pay an annual rate. Many insurance companies reward those drivers who can pay the rate in full, instead if breaking it all down into monthly premiums.You can also avoid payment fees, installment fees, and late fees, by paying your car insurance in one yearly payment.Payment in full, also lessens the stress of paying each month. If you can save up during the year, have work bonuses coming at a certain time of year, that chunk of money can go towards the yearly payment.Monthly Premium PaymentsFor many drivers, putting out a large sum of money all at once, is impossible. If your budget is tight, a monthly plan can be a sa