Cheap Car Insurance NY #lower #your #insurance #rates, #daytime #running #lights, #antilock #brakes, #airbags. #accident #prevention #courses, #driver #education, #good #student #discounts


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“Nothing To Buy” Vehicle Discounts

Daytime Running Lights (DRL)
Vehicles equipped with factory installed DRL could earn you a 3% discount on certain coverages.

Antilock Brake System (ABS)
If your car has a factory installed anti-lock braking system you could receive up to a 7% discount on certain coverages.

Air Bag
Discount of up to 30% for air bags may be applied to the medical payments and/or personal injury portion of your premium.

Anti-theft system
A built-in anti-theft system can get you a discount of up to 15% on the comprehensive part of your premium.

Window-glass etching
You may be eligible for a 5% discount on certain coverage if the glass is etched with the VIN.

“You-are-the-best” Driving Discounts

Good Driver Discount (GDD)
If you’ve been ticket and accident-free for five years, you may be able to save on most coverages.

“We-think-you-are-smart” Education Discounts

Accident Prevention Course (APC)
If you’ve completed the Accident Prevention course within the past 36 months through a DMV approved program, you may be eligible for a 10% discount on certain coverages.

Driver�s Education
Any vehicle rated with a youthful operator (under 21 years of age) may be given a discount on Liability and Collision if the operator has completed a driver’s education course.

Good Student Discount (GSD)
Full time students with a good academic record could be eligible for up to a 15% discount on certain coverages.

“No Work Needed” Other Discounts

Multi-Policy
If you insure your car and home through TSC>Direct you would get a 5% discount on your homeowner insurance premium.

Multi-Car
We offer a discount of up to 25% on certain auto insurance coverages if you insure more than one car with us.

Renewal
You may be eligible for renewal discounts of up to 5% on most coverages on the first and subsequent renewals.

Preferred Risk
A 2% discount on the premium may be granted to you in our preferred program

Away at School
A 10% discount may be applied to most coverages on any car of which a part-time operator is away at school over 100 miles away

Discounts are applicable to qualifying policyholders and may be subject to the placement tier of the respective auto policies within the company.

Not A TSC Customer? Get a Quote to Find Our Low Rates

*Allstate Property & Casualty Insurance Co. Northbrook, IL, State Farm Mutual Auto Insurance, Bloomington, IL and Liberty Mutual Fire Insurance Co. Boston, MA, semi-annual automobile insurance rates obtained from the New York State Dept. of Insurance 2010 Downstate Consumer Guide to Automobile Insurance (see page for �Auto Insurance Price Comparison Tables and Notes, Appendix I, Downstate Territory Number 75, Suffolk County West, Page 3�). The rating criteria for these quotes are: Territory 75 (Suffolk County West, NY); 2009 Honda Accord sedan; Symbol 12; 35 year old married male; licensed 3 years; policy liability limits of $25,000/50,000 Bodily Injury, $25,000/50,000 Uninsured Motorist, $10,000 Property Damage and $50,000 Personal Injury Protection coverage; Comprehensive and Collision coverage with $200 deductible; 10 miles to work one-way; 10,000 miles annual usage. Not intended as a rate quote.


If the Accident Is My Fault, Will My Auto Insurance Cover Me? #lower #my #bills #auto #insurance


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If the Accident Is My Fault, Will My Auto Insurance Cover Me?

In most states, hashing out fault after a auto crash is important for one main reason — deciding whose insurance will foot the bill for repairs and medical expenses. For this reason, it’s crucial to get insurance that protects you, as well as the other driver, when you’re at fault in an accident.

Liability insurance will cover other occupants

Nearly all states require you to have a certain amount of liability coverage to pay for repairs and medical costs associated with accidents you cause.

Required liability coverage generally includes bodily injury (per person and per accident), property damage and, in some states, uninsured/underinsured motorist protection (which covers you if the at-fault driver is not insured or doesn’t have enough insurance).

Auto insurance that covers the policyholder

Liability insurance covers only the other driver’s expenses. So, if you have just the minimum liability coverage required by law, you’ll be footing the bill for your own car’s repairs and your medical bills if you cause an accident.

To be completely covered for an at-fault accident, you should carry the following types of insurance in addition to the liability coverage required by your state. All these types of coverage are optional, and they will raise your premium.

  • Collision coverage. Collision coverage pays for the repair or replacement of your car, even if you are at fault in an accident. It covers you whether you hit another car, a building or a tree, according to the National Association of Insurance Commissioners (NAIC). Collision coverage almost always includes a deductible — the amount you must pay before your insurance kicks in. Typical deductible amounts are $250, $500 and $1,000, according to NAIC. The higher your deductible, the lower your premium.
  • Medical payments coverage. If you don’t live in a no-fault state where personal injury protection is required, medical payments coverage pays for your medical costs and those of your passengers. It can even cover family members driving your car. Medical payments coverage typically pays for hospital stays, doctor’s visits, physical therapy and funeral expenses.

If you already have health insurance, you may not need this coverage. However, medical payments coverage for your car can sometimes help pay your health insurance deductible.

What are tort, no-fault laws?

Insurance coverage laws differ between so-called tort states and no-fault states. In tort states, fault is assigned in an accident, and the at-fault party’s insurance covers all costs. In a no-fault state, each party’s medical bills are covered by his or her own insurance company.

So, if you live in a no-fault state, your auto insurance already covers your injury costs, even if you’re at fault. No-fault states require you to purchase a minimum amount of personal injury protection (PIP) to cover your medical bills.

However, your basic no-fault auto insurance policy will not pay for damages to your car, according to Michigan’s Office of Financial and Insurance Regulation. You still will need to buy collision coverage.

See how much you could save today on your car insurance. Get your free auto insurance quotes today!

Editor’s note: This is an updated version of an article originally published on Dec. 31, 2013


Why Women Pay Lower Insurance Premiums and How to Get Lower Rates for Male Drivers. #compare #car #rental


#womens car insurance
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Why Women Pay Lower Insurance Premiums and How to Get Lower Rates for Male Drivers

It is a well-known fact that men pay higher car insurance rates than women. However, what is not so well known is the reasons why men pay higher car insurance rates. Many people tend to believe it is simply because men usually drive much faster than women that there is such disparity in the rates. While this is true to a certain degree, there are other reasons as well.

Get Free Car Insurance Quotes

Why Men Pay More than Women

Many statistics show that men and women have about an equal number of car accidents every year; however, the types of accidents vary considerably. While women tend to be involved in many minor traffic accidents, men seem to be doing a much better job of causing a great deal of damage to vehicles. This is because men are usually much more aggressive drivers and drive at much higher rates of speed. So, because insurance companies pay out much smaller claims for the minor dings that are often associated with many women s fender benders, men suffer higher insurance premiums because of crash damage that tends to cost a lot more to repair

Typically, women are quoted up to up to 20 percent less than men for their women car insurance quotes. Women receive a female insurance discount. Is there anything men can do to get these lower quotes?

Working the Odds

A car insurance company is a business. And, like all businesses, they will invest more in something if it comes with fewer risks, and invest less in something that comes with higher risks. Because car insurance companies are investing in drivers, the more likely it is that a driver will get into an accident and thus, cost the insurance company money, the less likely it is that the insurance company will give that driver a low rate on their insurance. These risks are calculated by working the odds. Men, on average, get into more accidents than women. Men between the ages of 16 and 25 get into more accidents than any other demographic. Therefore, their rates are the higher.

Get Free Car Insurance Quotes

Picking Your Ride

On average, men buy higher end sports cars than women. These cars are more expensive to insure. Also, there is a stereotype that someone who purchases a fast car will engage in risky behavior, like speeding, racing and showboating. Women tend to buy more practical cars with more safety features. Also, some insurance companies will automatically charge more to insure a red car, because red is perceived to be flashy and thus, may indicate a riskier driver.

Saying I Do Leads to Lower Rate

This lower cost is because married men have been shown to drive more defensively and get into fewer accidents than single men. Married men also buy fewer sports cars than single men; once they are married, they are more likely to buy family cars with more safety features.

Be a Good Driver

Men can always improve their insurance rates by having a clean driving record. By driving at or under the speed limit and always parking legally, men will decrease or eliminate their traffic violations. Fewer traffic violations leads to lower insurance rates. Also, driving defensively and taking as few risks as possible will lead to fewer car accidents. Fewer car accidents also leads to lower insurance rates.

The best way for men to start receiving better rates on their auto insurance is to become better drivers and buy more sensible cars. This will not only improve their insurance rates, but will make the roads safer for everyone.


Why Women Pay Lower Insurance Premiums and How to Get Lower Rates for Male Drivers. #car #radiator


#womens car insurance
#

Why Women Pay Lower Insurance Premiums and How to Get Lower Rates for Male Drivers

It is a well-known fact that men pay higher car insurance rates than women. However, what is not so well known is the reasons why men pay higher car insurance rates. Many people tend to believe it is simply because men usually drive much faster than women that there is such disparity in the rates. While this is true to a certain degree, there are other reasons as well.

Get Free Car Insurance Quotes

Why Men Pay More than Women

Many statistics show that men and women have about an equal number of car accidents every year; however, the types of accidents vary considerably. While women tend to be involved in many minor traffic accidents, men seem to be doing a much better job of causing a great deal of damage to vehicles. This is because men are usually much more aggressive drivers and drive at much higher rates of speed. So, because insurance companies pay out much smaller claims for the minor dings that are often associated with many women s fender benders, men suffer higher insurance premiums because of crash damage that tends to cost a lot more to repair

Typically, women are quoted up to up to 20 percent less than men for their women car insurance quotes. Women receive a female insurance discount. Is there anything men can do to get these lower quotes?

Working the Odds

A car insurance company is a business. And, like all businesses, they will invest more in something if it comes with fewer risks, and invest less in something that comes with higher risks. Because car insurance companies are investing in drivers, the more likely it is that a driver will get into an accident and thus, cost the insurance company money, the less likely it is that the insurance company will give that driver a low rate on their insurance. These risks are calculated by working the odds. Men, on average, get into more accidents than women. Men between the ages of 16 and 25 get into more accidents than any other demographic. Therefore, their rates are the higher.

Get Free Car Insurance Quotes

Picking Your Ride

On average, men buy higher end sports cars than women. These cars are more expensive to insure. Also, there is a stereotype that someone who purchases a fast car will engage in risky behavior, like speeding, racing and showboating. Women tend to buy more practical cars with more safety features. Also, some insurance companies will automatically charge more to insure a red car, because red is perceived to be flashy and thus, may indicate a riskier driver.

Saying I Do Leads to Lower Rate

This lower cost is because married men have been shown to drive more defensively and get into fewer accidents than single men. Married men also buy fewer sports cars than single men; once they are married, they are more likely to buy family cars with more safety features.

Be a Good Driver

Men can always improve their insurance rates by having a clean driving record. By driving at or under the speed limit and always parking legally, men will decrease or eliminate their traffic violations. Fewer traffic violations leads to lower insurance rates. Also, driving defensively and taking as few risks as possible will lead to fewer car accidents. Fewer car accidents also leads to lower insurance rates.

The best way for men to start receiving better rates on their auto insurance is to become better drivers and buy more sensible cars. This will not only improve their insurance rates, but will make the roads safer for everyone.


How to get a lower rate on an auto loan – CBS News #cheap #car #leasing


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How to get a lower rate on an auto loan

(MoneyWatch) Strong auto sales this year have been boosted by the growth of auto loans obtained through dealers, Edmunds.com is reporting. That’s good news for the industry and the economy but means that as a car shopper you need to be careful not to overpay in high interest rates for your loan.

“Pent-up demand from consumers unable to get credit during the recession will continue to contribute to auto sales growth as these consumers get access to credit,” says Edmunds chief economist Lacey Plache in a just-published report. The expansion of credit has included growth in loans to consumers with subprime credit ratings — about one quarter of auto loans in the second quarter of this year.

But if you are fortunate enough not to be a subprime buyer, you still have other options beyond dealer financing. And even if you do wind up with a dealer loan, make sure you are not paying above-average rates.

Take these steps to make sure you are getting the best auto loan deal:

  • Know your credit score. Go to annualcreditreport.com and look over your report and take the one-time paid option to get your score. This is the key to what interest rate you will pay.
  • Check the average loan rate for your credit score. For instance, the Yahoo Autos financing page shows that prime borrowers with FICO scores above 720 are paying an average of just 3.75 percent. Scores between 690 and 719 have a 5.16 percent rate and borrowers between 660 and 689 pay 7.03 percent. These are broad averages, of course, but will give you a benchmark to see if the dealer-offered loan is a good deal.
  • Get outside financing if you possibly can. If you have a relatively strong credit score, you may be able to get pre-approval from your bank or credit union. With that financing in hand, you can compare a dealer financing offer and take it only if it is a better deal.
  • Keep each part of the transaction separate. Dealerships love “payment buyers” who focus only on the monthly payment. That lets them wrap all together the trade-in, if any, the price of the new car and the financing. Negotiate hard on the new-car price after checking on a typical selling price such as the Edmunds.com True Market Value.
  • With these precautions, you can upgrade your ride to something like the redesigned 2013 models Ford Fusion or Honda Accord without paying too much for your auto loan.

    2012 CBS Interactive Inc. All Rights Reserved.


    Complainants press case vs Montero; Mitsubishi expects lower sales #cheap #cars #for #sale


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    Complainants press case vs Montero; Mitsubishi expects lower sales

    December 2, 2015 (updated)

    Complainants of SUA (sudden unintended acceleration) incidents of Mitsubishi’s Montero Sport  demanded that the vehicle manufacturer must buyback the defective units, acknowledge vehicle defects and stop selling this model.

    This was demanded by Atty. Charlie V. Tumaru, spokesman of some 30 complainants among 97, during the first  hearing conducted by the Department of Trade and Industry (DTI) on the SUA controversy.

    Mitsubishi Montero Sport G2 GLS 2.5 TD 2014) via Wikimedia Commons

    The DTI hearing was also attended by experts from the Department of Science and Technology, Technical Education Skills Development Authority, Philippine Society of Mechanical Engineers,  UP College of Engineering and Automobile Association of the Philippines.

    The group would like Mitsubishi to acknowledge the defect and since this affects the safety it should stop selling it. Our concern is  protection of consumers, Tumaru said.

    DTI Undersecretary Victorio Mario Dimagiba also ordered officials of Mitsubishi Motors Philippines Corp. (MMPC) to identify its local agent or the corporate identity that should be directly answerable over SUA complaints.

    Dimagiba issued this order after the complainants revealed that MMPC lawyers told them that MMPC, the local distributor of Montero, is not the manufacturer of Montero.

    Froilan Dytianquin, MMPC first vice-president, however, said that the manufacturer of Montero is Mitsubishi Motors Thailand but since MMPC is the Philippine distributor then it is the one directly responsible for the Mitsubishi vehicles. Its dealers are independent entities.

    Since the Mitsubishi dealers  are not owned by MMPC, Dimagiba also instructed the complainants to also directly state in their position papers and affidavits of their demand not to sell Montero units.

    At least 6 complainants made personal testimonies of SUA incidents.

    Complainant Atty. Bernardino Bernardo narrated the SUA incident of Montero Sport during the funeral for his late father that injured 13 and damaged 7 cars. Two of the injured died.

    For his part, Dytianquin said that all those Montero Sport units with SUA complaints had been subjected to rigorous tests by Mitsubishi engineers. All Mitsubishi vehicles have onboard diagnostic computer or a black boc that records all fault codes that occured in the vehicle. The black box recorded no fault codes.

    We are submitting all these position papers to the DTI, said Dytianquin, who earlier insisted that SUA is impossible to happen in the Montero Sport.

    The complainants, however, stressed that it is no longer proper for Mitsubishi to press its position of no defect and dismiss the incidents to human error when there are 97 complaints of the same issue.

    Earlier, Dytianquin said its sales of Montero will certainly be affected by the SUA controversy.

    MMPC output is also expected to fall 15 percent this year as production has encountered disruption from the  relocation of its operation to Laguna from Ortigas Extension.

    MMPC, however, expects to raise its production by 17 percent next year on strong demand.


    Complainants press case vs Montero; Mitsubishi expects lower sales #cheap #cars #for #sale #by #owner


    #mitsubishi cars
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    Complainants press case vs Montero; Mitsubishi expects lower sales

    December 2, 2015 (updated)

    Complainants of SUA (sudden unintended acceleration) incidents of Mitsubishi’s Montero Sport  demanded that the vehicle manufacturer must buyback the defective units, acknowledge vehicle defects and stop selling this model.

    This was demanded by Atty. Charlie V. Tumaru, spokesman of some 30 complainants among 97, during the first  hearing conducted by the Department of Trade and Industry (DTI) on the SUA controversy.

    Mitsubishi Montero Sport G2 GLS 2.5 TD 2014) via Wikimedia Commons

    The DTI hearing was also attended by experts from the Department of Science and Technology, Technical Education Skills Development Authority, Philippine Society of Mechanical Engineers,  UP College of Engineering and Automobile Association of the Philippines.

    The group would like Mitsubishi to acknowledge the defect and since this affects the safety it should stop selling it. Our concern is  protection of consumers, Tumaru said.

    DTI Undersecretary Victorio Mario Dimagiba also ordered officials of Mitsubishi Motors Philippines Corp. (MMPC) to identify its local agent or the corporate identity that should be directly answerable over SUA complaints.

    Dimagiba issued this order after the complainants revealed that MMPC lawyers told them that MMPC, the local distributor of Montero, is not the manufacturer of Montero.

    Froilan Dytianquin, MMPC first vice-president, however, said that the manufacturer of Montero is Mitsubishi Motors Thailand but since MMPC is the Philippine distributor then it is the one directly responsible for the Mitsubishi vehicles. Its dealers are independent entities.

    Since the Mitsubishi dealers  are not owned by MMPC, Dimagiba also instructed the complainants to also directly state in their position papers and affidavits of their demand not to sell Montero units.

    At least 6 complainants made personal testimonies of SUA incidents.

    Complainant Atty. Bernardino Bernardo narrated the SUA incident of Montero Sport during the funeral for his late father that injured 13 and damaged 7 cars. Two of the injured died.

    For his part, Dytianquin said that all those Montero Sport units with SUA complaints had been subjected to rigorous tests by Mitsubishi engineers. All Mitsubishi vehicles have onboard diagnostic computer or a black boc that records all fault codes that occured in the vehicle. The black box recorded no fault codes.

    We are submitting all these position papers to the DTI, said Dytianquin, who earlier insisted that SUA is impossible to happen in the Montero Sport.

    The complainants, however, stressed that it is no longer proper for Mitsubishi to press its position of no defect and dismiss the incidents to human error when there are 97 complaints of the same issue.

    Earlier, Dytianquin said its sales of Montero will certainly be affected by the SUA controversy.

    MMPC output is also expected to fall 15 percent this year as production has encountered disruption from the  relocation of its operation to Laguna from Ortigas Extension.

    MMPC, however, expects to raise its production by 17 percent next year on strong demand.