Pachuta Insurance
  • Home
  • Insurance
    • Personal Insurance
    • Commercial Insurance
    • Church Insurance
    • Companies We Represent
  • FAQs & Tips
    • Home Insurance FAQs
    • Tips For Homeowners
    • Auto Insurance FAQs
    • Tips For Auto Owners
    • Renters Insurance FAQs
  • Customer Service
    • Request a Free Quote
    • Report a Claim
    • Request a Policy Change
    • Request an Auto ID Card
  • About
  • Contact

What College Students Need To Know About Insurance Before Buying A Car

2/19/2014

0 Comments

 
Most people know that insurance rates are tied in part to the age of the car. What some don't realize is: some cars are just better insurance risks than others. If you are a college student, it pays to purchase a car that is considered a good safety risk.

Used Cars
Among used cars, the first question for buyers is: does this car already have a bad repair record?  If a car has already been in a wreck, it is probably not a good insurance risk. The next question is: does the car have a good safety rating from either the Insurance Institute for Highway Safety and/or the federal government?  Students can find these ratings at the websites for the IIHS or the National Highway Traffic Safety Administration. 

A third question is: what is the true resale value?  Some cars lose value quickly as they age. Others age gracefully and retain their value. College students can find out how much a car is worth through such websites as Kelley Blue Book. 

Finally, used cars may or may not have electronic traction systems that are now common on all cars. Systems such as vehicle stability and brake assist decrease the likelihood of accidents. When looking at used cars, try to buy one with an electronic traction system. 

New Cars
By law, all new cars have some electronic safety systems for better traction. The safest cars, however, include auto brake, blind spot monitors, and warnings for lane-keeping and collision avoidance. Watching for collision scenarios, the auto brake system can see danger and can actually stop the car. 

The blind spot camera or sensor system reveals oncoming traffic and greatly reduces the chances that a driver will cause a side collision on the highway. These automated driving systems help lower safety risk and insurance rates. 

College students can go to the IIHS and/or NHTSA websites to see a vehicle's safety ratings. 

With a little research on the internet, college students can narrow down their car choices to those that will earn better insurance rates.
0 Comments

What You Need to Know to Get the Best Deals on Car Insurance

2/19/2014

0 Comments

 
Shopping for car insurance can be confusing and overwhelming, especially if you do not understand what goes into determining your premium. If you are shopping for the best deals, arm yourself with the tools to negotiate the best rates so that you can be sure that you are getting the best possible deal without sacrificing the coverage that you need.

First, consider your driving history. If you had a speeding ticket five years ago, look for an insurance company that only rates based on the last three years or one that forgives your first offense. That will save you from surcharges based on the moving violation, which can be costly.

Another factor to consider is the distance that you drive. Insurance providers ask you how far you commute to work and how many miles you drive each year because you are at greater risk of an accident when you spend a lot of time on the road. The more miles you drive each year, the higher your base premium will be. Make sure that you provide as accurate an assessment as you can for your driving habits.

When you choose your coverage deductibles, look for a balance between your budget and your premiums. The higher your deductible, the lower your premiums will be, because you are taking on more of the risk yourself. But, make sure that you choose a deductible that you will be able to pay if you are in an accident, because you will have to pay it directly to the repair shop in order to get your car repaired.

Many insurance companies offer discounts for your good driving history. If you have always been insured and you have no accidents or moving violations, you can save as much as twenty percent on your premiums. For students, look for a discount offered based on your academic performance as well.

By being aware of your coverage options and potential discounts, you can get great car insurance deals. Talk to your agent about any other possible options as well.

Looking for car insurance in Athens?  Call Pachuta Insurance today @ 706-769-2262.
0 Comments

    RSS Feed

    Pachuta Insurance

    Welcome to our blog!  We hope you enjoy it.

    Pachuta Insurance
    1031 Village Drive
    Suite A
    Watkinsville, GA 30677‎
    ​
    (706) 769-2262
    (888) 769-2262
    (706) 769-2282 (Fax)
    (706) 201-1901 (Mobile)

    Archives

    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    December 2016
    November 2016
    October 2016
    September 2016
    August 2016
    July 2016
    June 2016
    May 2016
    April 2016
    March 2016
    February 2016
    January 2016
    December 2015
    November 2015
    October 2015
    September 2015
    August 2015
    July 2015
    June 2015
    May 2015
    April 2015
    March 2015
    February 2015
    January 2015
    December 2014
    November 2014
    October 2014
    September 2014
    August 2014
    July 2014
    June 2014
    May 2014
    April 2014
    March 2014
    February 2014
    January 2014
    December 2013
    November 2013
    October 2013
    September 2013
    August 2013
    July 2013
    June 2013
    May 2013
    April 2013
    March 2013
    November 2012
    September 2012
    August 2012
    June 2012

    RSS Feed

PACHUTA INSURANCE
1031 Village Drive, Suite A
Watkinsville, Georgia 30677‎
johnny@pachutainsurance.com

​
(706) 769-2262 (Office)
(888) 769-2262 (Toll Free)
(706) 769-2282 (Fax)
(706) 201-1901 (Mobile)
  • Home
  • Insurance
    • Personal Insurance
    • Commercial Insurance
    • Church Insurance
    • Companies We Represent
  • FAQs & Tips
    • Home Insurance FAQs
    • Tips For Homeowners
    • Auto Insurance FAQs
    • Tips For Auto Owners
    • Renters Insurance FAQs
  • Customer Service
    • Request a Free Quote
    • Report a Claim
    • Request a Policy Change
    • Request an Auto ID Card
  • About
  • Contact