» Car Insurance

Before you buy your first car, there are many things to consider beyond the price listed on the sticker in the window or classified ad. A car may be a necessity to keep your job and take care of your family, but it is not an investment that will pay off in the long term.

Most likely, your car will end up costing you more that you will sell it for when the time comes to trade it in. This is a necessary cost that most of our families live with, and while the return on you dollar may not be a profit, a car will offer many other benefits that can enhance your lifestyle.

You should weigh the pros and cons carefully.

Some of the hidden costs of car ownership include the cost for car insurance coverage . This is a mandatory cost for any registered vehicle, so if you must buy a car, make sure you are eligible for insurance and can afford the rate.

If this is your first car, it is a good idea to shop around for the lowest car insurance rate before you walk onto the lot of a dealership. If you are younger than 25 years old, you should be prepared to pay a higher premium than a more experienced driver.

If this is not your first car, but you have had driving trouble in the past such as DWIs, DUIs or excessive speeding tickets, then you must make sure you have a current drivers license. You will certainly be charged for high risk car insurance rates , so you should definitely talk with a few providers about what class or model of vehicle you can afford to insure.

Car insurance is not optional in the United States. However, the level and deductible you pay for is somewhat optional.

If you are buying a car and taking a lein against it, the lending institution may require you to keep full coverage on your vehicle .

If you own the car outright, you may elect to only hold liability on your car, meaning damage done to another vehicle or party will be covered by your insurance provider . This is usually the minimum level of car insurance required by most states.

Beyond carrying insurance on your car, there are other maintenance fees you will have to pay to own your car. This includes routine oil changes and minor fixes. These costs can range anywhere from 30 to 50 dollars every 3 months or so.

Of course, you can lower your cost by learning to change your own oil and learning a few basics about car maintenance.

Tires, body work, parts replacement and more can all be unexpected expenses. If you prepare for that ahead of time by setting a little money aside or knowing you have a credit card balance to use for these fixes, your car ownership experience will be less stressful.

The obvious cost associated with owning a car is filling the tank with gas. These days, the cost of gasoline may be a major concern of yours, and rightly so. It may cost more on the front end of a purchase to buy a car with better gas mileage, but over time the cost of purchase may be recovered and even let you come out ahead.

So, before you purchase a new hot rod or mini van, consider your lifestyle and budget for the maintenance of your new car.

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With my driving… well thank goodness for car insurance! I don’t know what it is about me but I am just a mess on the road. I TRY to be careful, but somehow I am always crashing, bumping, or scraping my car or someone else’s in one way or another! Now… my parents are fed up with me. They keep telling me they are going to make me start paying for my car insurance. But, they know I don’t have any money and they don’t want to have the responsibility of driving me places, so I keep making uh oh’s on the road and car insurance keeps saving my butt!

Don’t think I’m a huge danger in my car or anything! I mean, I have not hurt anybody or anything! And it is not like I am drunk or high or anything when I get into these little accidents. No, I think I just sometimes get a little distracted here or there and then… ooops! So, I always assess whatever damage I did to my car or theirs (or the sign, building, or whatever else I happened to hit!) and then I call up my dad who gets on the phone right away with the car insurance company. I swear to you, they know him by name over there. It’s people like us that the car insurance people must love!! Because they can keep raising our rates and we keep on paying them. Well, actually, I wonder if I should say we are the people they must hate… since they have to keep paying for all my little mishaps. Hmmm… I bet they are losing more money off of us than what they are making. I’ll have to call and ask the car insurance company about that sometime.

Let’s see if I can remember all my little accidents that car insurance saved my butt after. Well, the first one happened a few weeks after I got my license. I was in a hurry from my friend’s house to work so I was trying to change in the car. Guess what? That is not such a great idea! I was in the middle of trying to pull my pants on when my foot hit the gas a little too hard and I rear ended the old lady in front of me. Boy was she pissed! Fortunately, my car insurance company took good care of her and her car and I never had to hear from her again. I can still see her stepping out of her car waving her cane at me and shouting at the top of her old lungs.

Another time car insurance saved me I was texting. I know, I know, texting and driving is a bad combination. But it was Gary, the boy I like, and he was inviting me to a party. So what else was I supposed to do? I did not want to ignore him! What if he thought I was not interested or something? Well, I guess I took my eyes off the road I little too long because I ended up going straight through a mail box. Let me tell you, I took that mailbox out! Well, once again, car insurance came to my rescue! They replaced the mailbox and fixed up my car (which has been through a lot!).  Thank you, once again car insurance for all you do for me.

Ok… I am embarrassed enough already. I don’t want to tell you any more of these stories because I know you are totally probably judging me right now. Well, I’ll try to be a little safer on the road because I definitely do not want to hurt myself, or anyone else for that matter. However, it is always nice to have the knowledge that if I need it, I always have car insurance !

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Even though we all want to have cheap insurance, it is important for us to think about what paying less for insurance actually entails. If you do decide that you want to start paying less on insurance than what you are paying now, make sure that you find a provider out there who is still going to cover all the needs you want covered.

Insurance is one of those things in life that we all have to pay for that takes a huge chunk of change out of our pay checks every month. It would be very nice to have cheap insurance and not have to pay as much every month. However, usually when you are paying less for insurance it is not going to cover as much as you need covered.

Think about insurance that you buy when you get a new computer. As you are sitting in the store purchasing your new computer you are looking at how nice and new it is. You are not contemplating all of the bad things that could end up happening to it. Although it is probably tempting to buy cheap insurance on the computer, make sure that the insurance you buy is going to cover anything that could potentially happen to your computer. I had a friend my freshman year of college who got drunk and threw up on his computer. Can you imagine how he explained that to his parents? Anyways, he did have cheap insurance on his computer, but spills were not covered by the cheap insurance he had.

Think about it. Your computer sits on your desk and you often might drink a beverage while working on your computer. Perhaps one day your cat comes up and knocks that beverage over. Or, maybe you are just clumsy and you do it yourself. Once that sticky or thick liquid gets into the keys and internal workings of your computer, your computer is probably going to not work so well afterwards. It is very important when you buy your computer, that if you are going to get cheap insurance on it,  that it will cover any potential things that could happen to it.And the truth is, you never know what is going to happen. It is better to be protected from everything than only protected from some things.

When you think about cheap insurance, it is ok to have cheap insurance as long as it covers everything you want covered. But, think about those things we have insurance on that are more important than computers, like our cars, houses, health, and lives. It is important to never sacrifice something on your insurance plan just because you want to have cheap insurance. Paying a little more every month will pay off in the long run if you do have an accident or mishap that would not have been covered by the cheap insurance.

The most ideal situation, of course, is to have an insurance provider who offers cheap insurance, but includes all of the coverage. Make sure when you choose an insurance plan that you read through all of the paperwork very carefully so you know exactly what you are getting into when you buy cheap insurance. Usually, there is some coverage you will be missing out on if you do decide to go and get cheap insurance .

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