Low Income Auto Insurance

  Car Insurance for Low-Income Drivers  Car insurance is essential. It protects you from theft, accidents, and mechanical problems. Yet, finding a policy you can afford can be challenging. Data shows that people earning between $10,000 and $19,000 yearly often pay almost the same amount as those earning over $200,000. Although insurers don't base rates on income, the factors they do consider are affected by income. These include credit score, education, homeownership, insurance history, and ZIP code. It can feel like they are penalizing you just for having a low income. The good news is that low-income families have options. A few states offer state-funded Low-Income Car Insurance Programs. These programs help people afford coverage. Some programs start at $40 monthly, assisting families to meet state auto insurance requirements. For low-income people, car insurance can be challenging because insurance companies often need a large upfront payment, which can be a...

Can I Trust Cheap Online Car Insurance? We all love online shopping — that’s a fact of life in the 21st century. Not only is the convenience factor unbeatable, but shopping online oftentimes allows you to snag the best bargains. So the question is — can you trust cheap online car insurance ? It’s definitely tempting to buy cheap auto insurance online, but at Unruh Insurance, we’ve seen it go wrong too many times for us to recommend it. After seeing drivers who have tried it once and have gotten burned, we think that buying cheap online car insurance is about as app...

  Why Do Younger Drivers Get Higher Insurance Rates? At a young age, the cost of car insurance may come as quite a shock for most teens. With premiums much higher than those experienced by older drivers, many wonder why buying car insurance is so expensive when they are just starting. In this blog post, we will explore the factors that can cause car insurance to be costly for teen drivers and how one might find an affordable policy despite these obstacles. Common Factors that Affect Insurance Rates Driving Record : Young drivers may lack experience on the road, leading to more accidents or traffic violations. As a result, they can be considered higher risk and have higher premiums charged by insurance providers. Where You Live : Depending on where one lives, certain areas come with a higher cost of living, resulting in higher premiums for car insurance overall.  Drivers Age : Teens are viewed as inexperienced drivers an...

  SR-22 & Insurance - What is it and how does it work? What is an SR-22? An SR-22 is a certificate of financial responsibility required for some drivers by their state or court order. An SR-22 is not an actual "type" of insurance , but a form filed with your state. This form serves as proof that your auto insurance policy meets the minimum liability coverage required by state law. Is there a difference between the SR-22 and the FR-44 form? SR-22 and FR-44 forms are both types of financial responsibility filings required by some states for individuals convicted of certain driving offenses. The SR-22 form is commonly required in many states for drivers who have been convicted of offenses such as DUI, driving without insurance, or multiple traffic violations. Essentially, an SR-22 is a certificate of insurance that proves a driver has the minimum required auto insurance coverage mandated by the state. This form is filed by the driver...

Liability Only Car Insurance: Is it Ever a Good Choice? For drivers with extremely tight budgets, liability-only car insurance can seem like the smartest option. While the potential to pinch your pennies is there, liability coverage can end up costing WAY more in the long run. So, what’s the right insurance coverage for you? At Unruh Insurance, we’re the insurance agency that tells you the truth — even about the times when liability insurance is enough for you. We want you to know how to make the best decision for your unique situation, so here are some guidelines ...

  Visa Car Rental Insurance Perhaps you are planning a cross-state vacation or business trip, and you need to know where you stand with your credit card and precisely what protection it offers ITO rental car coverage. If you hold a Visa card, chances are good that you could be up for free collision insurance. The word 'free' is laughable so take it with a pinch of salt and always scrutinize the small print carefully. This article serves simply as a guide to using your Visa credit card for car rental insurance. Always check with your insurance broker or the Visa call center in case new terms and conditions apply.   In Review: Visa Car Rental Insurance To qualify for auto rental insurance through your Visa credit card (all card options), you must charge the entire cost of the rental to the credit card. Keep all receipts. Should a mishap occur, you likely have to submit proof to Visa that you did in fact rent the vehicle using your Visa credit card. C...

Four priorities when you buy classic car insurance Your classic car insurance policy should protect your vehicle’s value. Classic car insurance policies are designed for high-value vehicles that generally don’t get as much usage as average vehicles used for everyday commuting. Patrick McNealis Insurance and Financial Group offers classic car insurance to consumers in Emmaus, PA. When you buy classic car insurance, there are a few priorities you should focus on. The following are four priorities when you purchase classic car insurance.  Choosing a policy with agreed-value coverage Agreed value coverage ensures you won’t be compensated significantly less for your vehicle after it depreciates in value. It’s a good idea to choose an agreed-value policy rather than an actual cash-value policy to ensure that you’re getting adequate coverage.  Including inflation protection With inflation protection, the agreed value you receive for your motorhome, if it is totaled, will be adjusted...

  Getting Cheap Car Insurance for New Drivers Car insurance for new drivers costs more than the rates seasoned motorists pay. This is due to the fact that new drivers are less experienced and more likely to be involved in an accident than drivers with a longer. Anyone who is newly licensed is considered a new driver, whether they are 16 or 60. The same holds true for drivers who are newly licensed to drive in the U.S., even if they were licensed in another country before. If you are considered a new driver, there are ways to find cheap car insurance rates while still receiving the coverage you need. Cheap Car Insurance for Teens The vast majority of new drivers are teenagers, and it’s no secret that teenage drivers and cheap car insurance hardly ever go hand-in-hand. But why is that? According to the CDC, the risk of motor vehicle crashes is highest among teens aged 16-19. In fact, studies h...

  Grange Insurance Review Decent customer service and wide coverage options make Grange Auto Insurance a viable choice for customers across the Midwest and Southeast United States. Key Points : Grange offers affordable insurance coverage with add-on options like pet injury coverage and full glass repair. Grange Insurance is only available to drivers in 11 states. Drivers may benefit from comparing Grange quotes against quotes from companies like USAA and Geico. If you live in a state where Grange Auto Insurance provides coverage, you may be wondering if it’s the right provider for you. Our expert team took an in-depth look at Grange car insurance reviews, coverage options, discounts, customer service, and more to see how the company measures up to the best car insurance companies in the country. With this information, you can see if Grange provides the auto policies and insurance rates that you’re looking for. ...

  SafeAuto Insurance Review SafeAuto Insurance specializes in providing nonstandard insurance to drivers with a poor driving history. High-risk drivers can find competitive Safeuto rates on the state minimum required auto insurance. SafeAuto Insurance specializes in providing nonstandard insurance to drivers with a not-so-great history behind the wheel, and competitive prices on the state minimum required auto insurance. They’ve got a narrow appeal, but that’s by design. Some drivers just need insurance that keeps them on the road at a low price, or coverage while remedying their driving record. However, SafeAuto’s low prices and accepting nature do come with some trade-offs. SafeAuto is only offered in 17 states, and its drivers give up on many of the perks larger insurance agencies offer, like discounts for bundling multiple insurance products. The question is whether SafeAuto’s strengths outweigh its drawbacks. Learn more about the company in out SafeAuto ...