Keep Auto Insurance Quotes Low with Car Theft Prevention Devices

One of the worst and most upsetting situations is having your car stolen. It is a violation of privacy and more so of your feeling of safety. This occurrence can leave you stranded without out transportation and it can strip you of the freedom of coming and going as you please. However, there are ways to prevent this occurrence from happening, and possibly out some money back in your pocket. Anti-theft devices are a huge market for car owners because they want to do everything to keep their car safe.

Low Jack

Lojack is a device that is used to track a vehicle in the event that it is stolen. Car can be sold with lojack installed or the device can be added to the car at a later time. When you have lojack installed you are set to communicate with an outside company that has the ability to turn on lojack and track the vehicles whereabouts. The device is compact and is usually fitted into an area of the car out of plain eyesight. This allows the device to be activated without the thief being the wiser. Although Lojack does not prevent your car from being stolen it can help recover it before major damage is done.

Steering wheel lock

The steering wheel lock, or commonly known for many years as “The Club” is a useful device that is attached right to the steering wheel of the car. The club expands to fit the inside of the steering column and locks into place making it impossible to turn the wheel. On the lower end of expense the Club and similar devices are usually bought for under $100. Not a fancy device by any means, but it gets the job done, and can help reduce auto insurance quotes.

Ignition Kill Switch

Higher up on the money pole is the ignition kill switch. This switch is installed directly onto the ignition of a car and activates if the car is accessed and turned on by a method different that the key. Recently these devices have been seen on TV. When the car is accessed and hotwired the thief thinks he is getting away, but a very short distance down the road the ignition dies and the car is rendered useless. In some cases the car doors are set to lock when the switch dies and locks the thief in the car.

Standard Alarm

Car alarms have been around for years, and although some think that people are more desensitized to the noise, they still are a valid deterrent to thieves. If the car is accessed by means other than key and lock a loud often times annoying sound will go off for a specific amount of time. This sound draws attention to the car which in turn sends the thief running.

If you are looking to reduce your auto insurance quotes be sure to contact your agent with any standard or new devices you are using to keep thieves away.

Finding Cheap Auto Insurance Quotes for Students

As a guardian or parent, it is normal to feel scared when you’re teen starts talking about obtaining a driver’s license. This step is an important one when it comes to them gaining independence. Whether you like it or not, they will eventually get behind the wheel of the car and begin to drive. Since students are new drivers and have no history they are sometime difficult to insure. According to some, students are more likely to be distracted while driving and have a higher risk of accidents.

How do you find car insurance covering students?

This answer may not be as hard as you think. Insuring students is often easy if a parent or guardian is already insured. You will want to make a call to your agent to see if you are able to add the new driver to your policy. Be sure to let them know if there is also a new car to insure or if the student is driving a car that is already on the policy. Keep in mind that coverage for students may have good and bad points. If your student is on the honor roll, has good grades and driving a car with additional safety features he or she may be eligible for discounts.

There are some things you can do to reduce auto insurance quotes for your student.

If there is any driving history makes sure that it is clean. No accidents or tickets regardless of whose car was being driven will ensure that you are offered the best rates on insurance.

 

Ask for a policy with a higher deductible to get the cheapest rate. If you don’t mind paying more out of pocket in the event of an accident, ask about increasing your deductible. Higher deductible usually means that the insurance company is able to offer you cheaper rates because you are agreeing to pay the bulk of the cost out of pocket for repairs or medical costs leaving less of a claim chance on the insurance company,

A safe and reliable car that will teach them to drive well, not fast. It would be more helpful and valuable to give your child a car that has great safety and security features.

Let them get their own policy. There is no reason why your student has to go on your policy if they meet the requirements to have one of their own. If may make them more responsible for their actions if they are required to pay for the policy themselves.

Allowing your student to be involved in the auto insurance quotes process will certainly teach them how to obtain insurance and also where they can apply the best features to reduce their rates. If rates can be reduced further by grades and safe driving, then consistent follow up with your agent can afford deeper discounts on auto insurance quotes over several years.

Cities with the Highest Auto Insurance Quotes

If you’re shopping around for auto insurance quotes, chances are you’ve learned a few things. You know there are lots of steps you can take to lower your rate. Never being in an accident certainly helps, so you always drive carefully. You trust yourself as a driver, so you want a policy with a high deductible. You picked a “low risk” car with a lot of safety features, like antilock breaks and airbags. You even started walking to work so you can get a low-mileage discount. In short: you know your stuff!

Unfortunately, there are some things working against you that you can’t control. Your age and gender can both increase (or decrease) your rate, as can the number of years you’ve been behind the wheel. And unless you’re looking to move, you location is also on the “can’t control” list. Where you live has a significant impact on how much you pay for car insurance. If you’re in a suburban or rural area, your rates will likely be lower. If you’re in the city, you will pay more for insurance. This is true of most urban areas, but some cities are more expensive than others. Here a few of America’s most expensive cities for auto insurance.

Detroit, MI. In 2011, the average car insurance premium rate was almost $6,000 in Detroit. This is partly due to the state’s no-fault insurance system, and partly due to the high vehicle population.

Philadelphia, PA. In 2011, the average car insurance premium rate was just over $4,000 in Philadelphia. This is due to a high vehicle population and overcrowded streets.

New Orleans, LA. In 2011, the average car insurance premium rate was almost $3,600 in New Orleans. The reason for the astronomical insurance rate is a little different in this city; it’s due to judicial ruling. In the state of Louisiana, claims are settled out of court unless they total over $50,000.

Miami, FL. In 2011, the average car insurance premium rate was almost $3,400 in Miami. This is partly due to a high number of fraudulent claims, and partly due to the state’s no-fault auto insurance system.

Newark, NJ. In 2011, the average car insurance premium rate was almost $2,900. This is primarily due to the state’s no-fault insurance system.

Of course, this works in reverse, too. Just as some cities have astronomically high rates, other areas are lucky to have extremely low rates. When shopping around for auto insurance quotes, you’ll find the best prices in Bullhead City, AZ; Chloride, AZ; Oatman, AZ; Pine Point, ME and West Scarborough, ME. All of these cities have average premium rates between $730 and $735.