Elderly drivers are paying more for their car insurance because they fail to source the cheapest deals online, new research suggests.

Reluctance to use online comparison websites which find the cheapest deals means those aged 65 and over have seen the biggest rise in their car insurance premiums.

They have seen an average rise of 10 per cent in the last 12 months.

The findings showed average premiums rose 5.8 per cent between July 2007 and June 2008.

Younger drivers under the age of 25 pay the highest premiums but the increase for this age group has only been 2.47 per cent in the last 12 months.

A total of 60 per cent of car insurance is bought through comparison websites which can search for the cheapest deals. The older generation are less likely to use such sites.

Wow, just read a post from this site. It sounds like he didn’t have uninsured motorist car insurance cover. How can you not feel sorry for this guy. He sounds like a reasonable, intelligent law abiding citizen. I completely agree with his comments;

- Police should randomly run checks on vehicles to check for insurance, (the cost shouldn’t outweigh the court savings) any vehicles uninsured should be taken of the road.
- Those that don’t obey the law (by not attending court as required) should be tracked down by police and be held accountable.

I was absolutely disgusted to read the writers comment that Cleo Fields (former state Sen.) actually said that “You can’t expect people to buy something they can’t afford.” Yet, you can expect people to put lives and property at risk and that’s completely fine? Huh? Somethings not making sense here!

Of course we never think we’re putting lives and property at risk when we hop in our car for a drive, but the reality is that we all make mistakes, and sometimes stuff happens that we can’t control (massive pot holes, icy roads, gigantic spiders mysteriously appearing from nowhere) that can cause drivers problems despite their best intentions. If you can’t afford insurance, please be responsible and leave your car at home.

I guess the only solution for now to avoiding this kind of situation (apart from campaigning for sensible changes to be made to the whole system!) is to tick that do you want uninsured/under-insured motorist cover? on your insurance application, it may cost you a little more but it could sure save you from a massive headache.

To find low cost car insurance you will need to obtain quotes from different insurance companies. There is not really one particular company that is known for giving cheap rates, though many of the largest companies are very competitive.

By obtaining quotes for several companies you will be able to see which is the cheapest for your needs. A comparison service can help speed the process up by giving you multiple quotes and a chart to compare policies.

The cheapest car insurance in California depends on a number of factors;
- Your driving record (accidents & infringements)
- Your driving experience (how many years you’ve been licensed)
- Where you live (rural is generally cheaper than city)
- What kind of vehicle you drive (low profile vehicles are cheaper to insure)

- Your age (older people usually get cheaper premiums than younger)
- What you use the vehicle for (daily use or just recreational?)
- How many miles per year you travel (the more you travel the more expensive your policy will be)
- The safety features of your vehicle

In addition to this the kind of insurance your choose also has an impact on the price of your policy, some choices you have to make are;
- If you take basic or comprehensive insurance
- If you want cover in case of an accident with an uninsured motorist
- If any other drivers need to be included on the policy (their driving history and experience will impact on the price)
- The amount of cover you choose (just the state mandated amount or more?)
- How much you can afford to pay as a deductible
- Any extra’s you want like towing or rental car.

It is usually possible to obtain a quote for the car insurance company you are interested in from their website. A disadvantage of doing this is that if you want to compare quotes you will have to repeat the entire quote process at other sites.

The quote forms are usually pretty straightforward but can be time-consuming to complete. A quicker alternative is to complete a quote at a comparison site, once you’ve answered all the questions you will be provided with multiple quotes from top insurance companies and a comparison chart to help you compare your options.

There is no obligation to purchase and you don’t even have to provide your telephone number, so you are free to keep shopping around if you like.

Using an online service you can compare car insurance rates quickly and easily.
An added bonus is that your phone number is not required so you can feel confident that you will not get telemarketers calling you at all hours of the day and night to follow up on your quote.

The quote process is very comprehensive to make sure you get the most accurate quote possible. It does take a little while to complete the quote, but this is time well spent with the top 4 quotes displayed immediately along with a comparison chart to help you compare your options.

Obtaining a license gives teens a new sense of freedom. So, the next question is how can I get cheap car insurance for my teen?

One of the things car insurance companies look at when calculating premiums is driving experience and driving history. Unfortunately those are things a new driver needs to prove over several years. Until the teen has established a good driving record they will be classified as high-risk and their insurance premium will be significantly higher.

There are things you can do to reduce the cost of your teens insurance policy.
1. If the teen drives a cheap vehicle you could consider taking only the state mandated insurance.
2. If the teen is driving a newer vehicle make sure it is considered ‘low-profile’, higher profile vehicles like sports cars attract much higher premiums. Extra safety features are another bonus that can help reduce the cost of insurance.
3. Consider increasing the deductible. The higher the deductible is the cheaper the premium is.
4. Get quotes for both including your teenager on your own policy and taking a separate policy for your teen.

Over time the cost of your teens policy will decrease as they build up a good clean driving record. Make sure they understand how important it is to drive safely and obey the laws.

You should also make sure you and your teen thoroughly understand any conditions that may be attached to their license or insurance policy. Some common restrictions are;
- The type of vehicle that can be driven
- Vehicle passenger restrictions
- 0 alcohol tolerance
- Night-time driving

Good luck with your search for insurance for your teen.

It’s easy to buy cheap car insurance online with the internet. Here’s what you need to do:

1. Gather all your information (vehicle details, your details, driving history, current insurance policy details).
2. Have a think about what kind of cover you need, these articles can help.
3. Obtain multiple quotes instantly.
4. Compare quotes, read the fine print & buy online for immediate cover

Sounds pretty easy right? Your quotes will be saved so you can go away and have a think about it and discuss you options with your family and friends before you go ahead and purchase.

By following this simple process every year you can make sure you have the most appropriate cover for your needs at the best price.

The average California car insurance rate is $1,771 which is pretty good considering the national average is $1,833. Some factors that can influence your auto insurance premiums are;

- How much cover you take
- Your deductible
- Where you live
- Whether you are male or female
- Your marital status
- How many years you have been licensed for
- Your annual mileage
- Your driving record
- What vehicle you drive

A comparison service can give you a quote for Progressive car insurance.

An advantage of using a comparison service is that it will give you quotes for different car insurance companies so you can see if your Progressive car insurance quote is cheap or if there’s a better option.

Progressive is a very popular company, insuring 8% of American drivers, so it is worth considering.