Cheap Car Insurance - Getting More Mileage From Your Car Insurance

ANCHOR LEAD: Motorists might decide to drive less just to save money at the pump. But now vehicle owners who spend less time behind the wheel can see real savings on their insurance bill too. T.K. Anderson has more. (:60)

SCRIPT: Consumer Focus, I’m T.K. Anderson. U.S. drivers average between 15 and 20-thousand miles a year. But for anyone whose vehicle spends more time in the driveway than that, significant savings are available. John O’Donnell with GMAC Insurance says a new low mileage discount is now available for vehicles equipped with GM’s OnStar system.

CUT: (O’Donnell) Customers who drive less should pay less, and this program allows customers to use the OnStar technology already in their vehicles to give them the discounts that they deserve.

SCRIPT: OnStar’s Tony DiSalle says the Low-Mileage Discount program is another example of how OnStar adds value to drivers in GM vehicles.

CUT: (DiSalle) Using the technology behind OnStar Vehicle Diagnostics allows us to provide a unique money-saving benefit to OnStar subscribers who drive less. In addition to the safety, security and convenience services that we offer, we’re helping subscribers reduce their transportation costs.

SCRIPT: OnStar subscribers must opt-in to be eligible for this program. For more information, log onto OnStar.com. That’s Consumer Focus from GM. I’m T.K. Anderson.

Here is a curious thing: Yahoo considers Cheap Car Insurance and Cheap Auto Insurance to be the same thing, (exactly identical terms, having the same meaning) yet Google, which touts itself as an expert in semantics, considers them to be wildly different and worthy of completely different results. Which one is correct?

Serenity Group Partnership with GMAC Insurance

Serenity Group is excited to announce our recent partnership with GMAC Insurance. GMAC is the country’s only insurance company that came from within the automotive industry, so they truly understand how important your auto is to you. Representing over 10,000 independent agents, GMAC Insurance Group is one of the largest property and casually insurance groups in the United States offering exceptional coverage and service since 1939.

A highlight of some of the benefits they offer:

- Guaranteed use of Original Equipment Manufacturer (OEM) parts in collision repairs

- Guaranteed repairs on all collision repairs made at any of the Gold Medal Repair Shops.

- Discounts if you have a GMAC mortgage, GMAC auto financing, a GMAC or an active OnStar subscription.

If you live in Washington, California, Colorado, Arizona, Florida or Texas, call us at 800-774-0520 for a no obligation quote.

Low Cost Auto Insurance

Credit Score Can Impact Car Insurance Rates

Quite often we find that people do not realize that many car insurance companies will look at credit scores to determine what your car insurance rates will be. What this means is that the Master Card bill you failed to pay and was charged off or your home going into foreclosure could very well be keeping you from getting the best car insurance premiums, Cheap car insurance quotes might be denied to you because your credit is bad. You should also know that companies in California are not allowed to use credit scores to determine rates.

There may also be errors on your credit report which can help to lower your score. If you think this may be the case then you should obtain a copy of your credit report to check if there are any errors affecting your score. If you find this to be the case, then you will need to talk to your creditors to get them corrected. By doing so, you will greatly improve your score and should get better rates on your car insurance premium.

Note: One way to keep your credit score clean in today’s economy is to be sure that you do not lose your home to foreclosure. If you are having trouble making mortgage payments due to rising adjustable rates, resets, loss of a job, or other reasons, you have the opportunity to work with a foreclosure counseling service to attempt to prevent foreclosure. Many states have set up foreclosure counseling programs and some have hotlines for this purpose.

In Arizona, the Governor recently announced a statewide hotline and the number is 1-877-448-1211

The nationwide HOPE Hotline is provided by The Homeownership Preservation Foundation and the phone number is 1-888-995-HOPE

The list below are the states where Serenity Group saved their clients the most money last year.

If you are looking for cheap car insurance and are in one of these ten states, you cannot afford to not fill out the quick quote form or give one of our insurance specialists a quick call.

California
Colorado
Washington
Texas
Wisconsin
Florida
Arizona
Illinois
Virginia
Missouri

If you are in any of the other states that Serenity serves (47 states) you can probably still save lots of money.   Give them a call and see.

For Cheap Car Insurance call 1-800-546-5470

For SR22 Insurance call 1-800-774-0520

DUI REDUCED TO RECKLESS OR NEGLIGENT DRIVING

By Tom Black Serenity Group

Many DUI offenders have a good reason to have an attorney plead their case down to a Wet Reckless citation or a Negligent Driving ticket. Often, a person who uses a vehicle in his or her occupation will lose his or her job if convicted of a DUI. In these cases, taking the Wet Reckless or Neg Driving makes sense.

The insurance industry looks at these tickets differently. Most companies try to base their rates on actuarial science; that is, the odds of accidents happening within certain driving groups or age classifications.

The companies that insure DUI offenders and provide SR-22 certificates charge more premiums for the “lesser” violations of Wet Reckless or Negligent Driving than a DUI. They are assuming that these drivers are more likely to have a serious accident than a DUI offender.

Be aware of the upside and downside of your decisions after you are arrested.

Whether you are a preferred driver looking for cheap car insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Do you need affordable car insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out an car insurance quote request.

Cheap Car Insurance for Illinois Drivers

From a testimonial:

A lady from Illinois (Chicago area) was paying $156 for liability car insurance and she get quoted by one of our cheap car insurance specialists and was only charged $56 .

She was with State Farm in Illinois previously and Serenity Insurance Group was able to provide her with a much lower rate by shopping our large number of insurance companies for the best car insurance rate for her circumstances.

Illinois Drivers - Don’t pay too much for car insurance - call our Cheap Car Insurance specialists today at

1-800-546-5470

WHAT DETERMINES YOUR INSURANCE RATES?

By Tom Black
Serenity Insurance Group

Have you ever moved, changed cars or jobs, only to find that your auto insurance premium jumped? Part of that rate increase could be due to one of many factors that are used to compute your insurance costs.

Where you live-people who live in more rural, or less populated areas within the same state generally have lower insurance costs. The companies figure that being around fewer people makes your likelihood of an accident less.

YOUR AGE-statistics show that people who have more driving experience have less accidents. Young drivers and young males in particular, are many times more likely to be involved in an accident than a person with 10 or more years driving history. (If you are a student, having a good grade average can help lower your premium)

YOUR DRIVING RECORD-the companies hire actuaries who determine your chances of getting in an accident. The more tickets you have on your record, actuaries have shown the more likely you will cause a wreck. Obviously, more serious tickets like Negligent Driving, Reckless Driving, and DUI drive these statistics higher. That is why most companies that will issue an SR-22 filing have higher rates for these high risk drivers.

YOUR CREDIT HISTORY-it may be hard to understand that there is a definite relationship with your credit history and your likelihood to cause or be involved in an accident. Some very scientific men have been able to show a direct correlation between your credit and your costs to an insurance carrier.

YOUR VEHICLE-Some cars or trucks cause more damage to other vehicles when involved in a collision. Some cars or trucks are just involved in more collisions. (Sports cars, hot rods, big SUV’s)

The ideal insurance risk (least likely to be in a wreck) would be a 6o year old married person, living in a farming community, who owns his own home, has no tickets, and drives a 2004 Buick LeSabre.

On the other hand, a very poor insurance risk is the 18 year old young man, living in Los Angeles, who is behind on his credit cards, has four speeding tickets and one reckless driving, and is driving a four year old Corvette.

Keep these things in mind when assessing your insurance costs.

Have you ever looked at your auto insurance policy?

When we purchase auto insurance, most of us are looking for cheap auto insurance, or the lowest rate. Of course, we all want to get the most insurance we can for the least amount.

However, an informed buyer is a far smarter insurance client. If you think you got a better deal because you paid less than someone else, be careful. Auto insurance is coverage and protection, and that can vary widely from policy to policy.

LIABILITY-Covers you if you are sued as a result of an at-fault accident-do you have enough coverage to protect your assets?

UNINSURED MOTORIST COVERAGE-pays for medical bills, loss of earnings, even funeral cost if you are injured by a driver with no insurance.

MEDICAL PAYMENTS-this coverage takes care of medical bills, regardless of who is at fault, resulting from a collision, even if you are a pedestrian.

PHYSICAL DAMAGE-Usually referred t as Comprehensive and Collision. This coverage will respond to fix your car in the event of a collision or other peril that may happen. Vandalism and theft, flood and hitting an animal are considered other than collision. Often these two coverages have different deductibles (the amount you must pay before the coverage responds). Often a higher deductible will result in a cheaper rate.

There are other considerations in choosing a good policy. Please be sure you understand who is covered on the policy. Is anyone excluded?

All auto policies have territorial limits, so please be aware. Most policies let you drive in the U.S. and Canada, but not Mexico. If you drive there, you must purchase special insurance for Mexico.

Remember, a smart buyer is an informed buyer. Don’t be afraid to ask any questions when buying your auto insurance, even for SR-22’s

By Tom Black
Serenity Insurance Group

Whether you are a preferred driver looking for cheap car insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out an auto insurance quote request.

A DUI, OR A WET RECKLESS, OR A NEGLIGENT DRIVING?

Tom Black
Serenity Insurance Group

When we find ourselves forced to make a decision to fight the DUI charge and have an attorney try to plea to a different charge, we need to keep certain things in mind.

Many people have a specific reason to avoid the DUI charge. Some will want to do anything to avoid the DUI charge on their records. This may be for several reasons, employment record or to qualify for certain life or disability insurance policies. Regardless of the final disposition, the driver is going to have to file an SR-22 filing with the state licensing authority (DMV, DPS, and DOL).

Here is the surprise: Most insurance companies CHARGE MORE PREMIUM FOR A WET RECKLESS CITATION OR A NEGLIGENT DRIVING TICKET THAN A DUI! Can you believe it? You can generally get lower cost insurance with a DUI than the Reckless Driving or Negligent Driving.

The reason is simple. Insurance companies set rates based on statistical data. More Reckless and Negligent Drivers get in accidents than DUI offenders

Although any one of these citations is difficult, please think twice about the outcome of a “reduced plea”, as it will generally be more expensive when you try to keep your auto insurance costs low.