Find Free Car Insurance Quotes Online Or Go Dealer Hopping - How Will You Spend Your Weekend?

We as a culture are predisposed to deliberately planning our day down to the very last second. By the time it's all said and done you don't have three hours to spend at the playground with your kids, much less an entire day to go car shopping! That's exactly why car owners would rather shop for free car insurance quotes online than go hopping from dealer to dealer any day.

Shopping for a new car can be fun, but there's so much you have to consider and nobody's giving you an EZ Pass for any of it. You need to know how much horsepower you need. Whether you need front wheel or four wheel drive. What kind of transmission you want. What safety features you're going to need. All that before you even open the door!

The nice thing about shopping for free car insurance quotes online is that insurers take off all of the pressure. They give you a handy dandy form asking you exactly what you want and listing out your options for you. You don't have to spend hours combing the Internet looking for ways to save on your insurance (although it's not a bad idea). All you have to do is take a second for My Car 101. Once you know your car's features you've got what you need to get a great deal on your insurance.

The other nice thing about free car insurance quotes online is that while you have different types and levels of coverage to choose from, there aren't nearly as many as there are cars sitting in dealer lots across the US! There's something to be said for not being beset by a barrage of choices. You can focus on the matter at hand and put your attention where it's going to do the most good.

The alternative? Watching your brain scramble like the exploding bomb on the Looney Tunes cartoons. All that light, color and sound leaving mass destruction in its wake. Your brain might not literally explode, but spend enough time tromping through dealerships and mass destruction starts sounding better and better!

Step away from the sledgehammer. Your car payment's going to be high enough.

Imagine having your to-do list checked off and still having time to take your kids to Chuck E. Cheese or sit down and catch the Braves. Shopping for free car insurance quotes online blows going from dealer to dealer out of the water when you're looking for a way to spend your weekend.

Student Car Insurance Tips

When you're a student, you have quite a bit on your plate to juggle. Classes, homework, jobs, and bills, bills, bills all need your time and attention. It can leave little extra time for working out the finer details of your car insurance cover and all of the ways that your student status can help you save money on your car insurance cover.

You may not have thought that your student status had much of an impact on your car-insurance rates. You are not alone. Most students don't understand how their status affects their car insur rates, and as a result many students are overpaying for their car insure cover.

Even if you're back in school for a second time, picking up new skills or a new degree, you may not have thought about your insurance rates. However, by understanding how your schedule and your habits impact your rates, you can maximize your savings on car insure.

This is certainly an important motivator in these tight economic times.

The first step is to understand how your car insurance company calculates your premium levels. Many traditional insurance providers are using standardised premium calculators. These tools work by utilizing a profile of the average driver in Australia, and using statistical formulas to generate a rate for you based on average driver behaviours.

However, as a student, you may not fit the model of the average driver.

Thus, when you purchase car insurance that uses a standardised generator to calculate your premium payments, you are probably paying too much for your insurance. To save money, you will want to seek out an insurance provider that uses a customized model.

Customized insurance models are becoming more and more popular in Australia. The technology for insurance calculations has developed to the point that a completely customized insurance risk profile can be created for you in just a few moments with a series of questions. These questions focus on issues that other insurance companies ignore, like parking habits and where the car spends most of its time.

In this way, you can earn lower premiums simply due to your driving and parking habits as a student. For example, if you live on campus and only drive one or two days a week, you have a much lower risk profile than a daily commuter. Also, if you keep your car in a covered garage, you have a lower risk profile than a student parking in risky or dangerous areas on the street. If your insurance company customizes, you can earn lower rates as a result of simply lifestyle habits like these.

The number of Australians in school continues to increase, particularly at VET schools. This means that there are likely to be plenty of students like yourself who are overpaying for their car-insurance cover. Yet you don't have to tolerate consistent rate increases and indifferent pricing models. You simply need to find an insurance company who cares enough to provide customized pricing models so that you can maximize the value of your student status in the form of lower premiums for your car-insurance."

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