Car Insurance

 

Quick car insurance quotes are easy using our comparison tool above. Use it to find cheap insurance quotes based on where you live and the type of coverage you want.  You’ll be contacted by local insurance agents who will offer you their best quotes – and who can offer you further information and advice if you need it.

Before Getting A Quick Car Insurance Quote On SaveOnQuotes.com

Before using our car insurance quote comparison tool above. Be sure to have the zip code you drive the most in ready. Second, have your drivers license and any paperwork related to your car. This could include but is not limited to tickets, fines or other related paperwork. However most likely a drivers license is just fine to start the free quote tool but keep in mind some insurance agents will ask for additional information before you buy an insurance policy from them. To get a quick quote just enter your 5 digit zip code using the tool above this page.

Contact us for more information if you have any questions. Otherwise, please enter your zip code above to start getting free quotes for car insurance. Looking for more information about car insurance continue reading below.

How Car Insurance Works

At the very least, auto insurance covers damage to your car as a result of an accident.  Some states also require liability insurance which will provide funds to cover damage done to others.  It’s important to know your state’s car insurance requirements – that’s why SaveOnQuotes.com’ s insurance quote tool begins with a zip code.

The car insurance quotes   

you get will include the basic requirements for your state and offer various options to enhance your policy.  For example, if you’re in a state where liability insurance isn’t required, you may want to purchase it anyway.  You’ll have options for lower or higher deductibles (higher ones will decrease your policy rates), extra coverage for certain items like glass damage, personal property (certain items in your car that might not be covered by homeowner’s insurance), and so on.  Check these carefully to make sure you get the options that make the most sense for your lifestyle and that you can afford.

Good news is that insurance companies are beginning to incentivize their policy owners by granting them discounts when they stay out of trouble.  Some will decrease your rates if you don’t get into accidents, don’t get tickets, have GPS or anti-theft devices installed – even take driver’s education classes.  Taking those classes is important for new drivers who typically have the highest car insurance rates.

The list below is what many car insurers look for to assess your risk rating.  Take a look to see how risky – or safe – you look to the insurance company.

• Driver’s record (accidents and tickets indicate recklessness)
• Steady job (your ability to pay)
• Home ownership or long-term rental (sense of responsibility)
• Age (younger drivers are considered riskier)
• Sex (females tend to be considered safer drivers…sorry guys….)
• Married or Single (married drivers get lower rates)
• Type or Class of Vehicle (motorcycles, sports cars, etc… are considered higher risk)

IMPORTANT TERMS TO KNOW

Liability Insurance

Coverage for bodily injury or damage to property that results from an accident.

Collision

Policies that pay for damage to your car as a result of an accident with another vehicle.

Comprehensive

Policies that cover other types of damage to your car – fire, theft, water, etc…

Full Coverage Policy

Includes Collision, Comprehensive and Liability coverage.

Deductible

The amount you will be responsible to pay of the total damages.  For example, your damages total $1000 and you have a $500 deductible.  You pay $500 and the car insurance company pays $500.

GAP insurance

Loan or lease “pay-off” coverage.  This is usually offered by car dealers or car rental agencies.  It will pay down lease contracts/loans if damage to a car results in it being worth less than the remaining amount of the lease contract or loan.

No Fault

In some states, both parties’ insurance companies pay out on claims from an accident.  In other words, no one is “at fault.”  What this also means is that neither party can sue the other in court (note that in some states you can still sue if the damages meet a certain level).  Still, the person determined to have caused the accident based on the police report is the one who will have their car insurance rates and risk rating increased.

 

Student Loan Consolidation

According to The College Board, an estimated 60 percent of bachelor's degree recipients obtain loans to fund education, with an average total debt of $22,700 for 2006-07 graduates. If you have student loan debt, paying off your loan(s) is crucial. Repayment affects your credit rating (both positively and negatively) and your credit rating can affect your ability to buy a car or even find a good place to live. Consolidating your student loans may be one way to help you repay your loan(s).

Like a home owner who refinances a mortgage, you can refinance or consolidate your student loans to lower your monthly payment or combine several loan payments into a single monthly payment. Keep in mind however, that consolidation loans use a weighted average interest rate, which may lower the interest rates on some of your loans and increase the interest rates on others. Also if you extend your repayment period, you'll end up paying more interest in the long run.

 

 

Student Loan Consolidation Services

Consolidating your student loan and lowering your monthly loan payments can give you more discretionary income each month. If your loans are almost paid in full, consolidation is not a good idea but it might be a good option if:

• You are currently making multiple monthly payments or payments to different lenders
• Your loan payments are high compared to your income
• The interest rate on a consolidation loan is lower than the rate on your loan(s)

Because loan consolidation services are competing for your business, they offer inducements to consolidate your student loan debt with their company. They may offer lower interest rates when you automatically deduct payments from your checking account or when you apply for your loan online. Be sure to shop around to get the best deal.

How Using School Loan Consolidation Can Help You

 

How Using School Loan Consolidation Can Help You

 

School Loan Consolidation is a method of combining any outstanding student loans into one, more manageable, consolidation loan. A school consolidation loan will usually have a lower interest rate than that of the student loans it is replacing and the terms of the consolidation loan are generally much more flexible, quite often extending the period of repayment, which, in turn, will lessen the monthly repayment.

Before venturing further into the benefits of college loan consolidation we should look at the reasons why applying for a college consolidation loan is both beneficial and necessary.

Obtaining a good education is an absolute ‘must’ if you wish to succeed in life, especially when in the grips of an economy that makes finding employment even more difficult. Unfortunately, obtaining this education can cost a substantial amount of money, this is especially the case in the United States.

The cost involved in obtaining the best education possible often mean that a student will have to take out a loan to finance their future (education). It is often the case that this initial loan will not even come close to covering a complete education and more loans will be required, which will inevitably lead to a large student loan debt which will need to be paid back once the student has graduated.

School Loan Consolidation

School Loan Consolidation

It is hardly suprising that lenders eagerly hand out these loans in what seems an unparallelled showing of generosity, but this generosity soon dissipates when graduation day begins to loom and the reminders of obligations to pay back monies borrowed start to arrive in the mailbox.

A student can be forgiven for concentrating on their education rather than the debt they’re amassing whilst gaining it, but the realization of their predicament soon hits home with that first reminder of their obligation to repay. The anxieties and stress related to achieving necessary qualifications are replaced by a whole new set of monetary worries as managing repayments to several lenders can be difficult initially. This is when a school loan consolidation program can be extremely beneficial.

For eligibility for a particular school loan consolidation program there are certain requirements that must be satisfied. Firstly, all existing information about the student loans to be consolidated must be submitted. Information relating to student loans obtained from Federal institutions are easy to obtain because details of these loans can be found under certain collective databases.

If a single lender has been used for providing of all of a student’s loans, this lender may also provide a student loan consolidation program that could be taken advantage of. This will also simplify the process as any necessary paperwork will be easily accessible, not to mention that it will require much less legwork on the applicant’s behalf.

Ii is very important that when considering school loan consolidation programs that the companies providing the service is fully checked out and the authenticity of any offers made are verified as there are a growing number of companies that will sell you deals that will actually cost you a lot more than if you didn’t consolidate in the first place!

An easy way to recognize one of these ’scam’ companies, is if fees are requested even before an application has been approved, but by performing certain checks, as mentioned previously, it is relatively easy to avoid falling into trouble.

We hope this article has provided an initial insite into how consolidation can benefit you and how best to go about sourcing the best information and deals that are taylored to your personal needs and situation