What Are the Main Topics Covered by Defensive Driving Courses - Yahoo Finance

Posted: 19 Oct 2019 11:10 AM PDT

LOS ANGELES, CA / ACCESSWIRE / October 19, 2019 / Lowestcarinsuranceratesonline.com has launched a new blog post that explains the advantages of defensive driving courses and how teen drivers can obtain lower car insurance rates.

For more info and free car insurance quotes online, visit http://www.lowestcarinsuranceratesonline.com/topics-covered-defensive-driving-courses.

Statistics show that the first couple of years of driving are the most dangerous of all for teen drivers. Teen drivers can take measures in order to lower their chance of being involved in a car crash. One of those measures is to enroll in a defensive driving course.

By enrolling in a defensive driving course, teen drivers can obtain the following benefits:

Teen drivers will learn how to master a series of road rules. A defensive driving course will teach those rules in a stress-free systemic way.
Teen drivers will build confidence in their driving skills. Teens will learn how to remember all the driving rules and they will have the chance to practice in a safe environment with the help of a qualified instructor.
Learn the risks. Sometimes driving can be dangerous and teens are required to know that. Being a little nervous is normal, but being too nervous is dangerous. If teen drivers are not nervous at all, it means they are not aware of how dangerous driving can be. Teens will learn the dangers of driving and the risks that are involved. In this manner, they will learn how to easily avoid them.
They will learn the consequences of DUI driving. Teen drivers will learn how alcohol and drugs affect their driving skills. They will also learn that is important to take responsibility for their safety and the safety of others.
They will learn the state's traffic laws. Depending on which state the courses are taking place, the teen drivers will learn the traffic laws of that state.
Teens will have the chance to learn how to drive in a safe and supervised environment. Young drivers will be guided by experienced drivers and they will be able to develop their driving skills.
Graduating a defensive driving course will lower the price for car insurance. Teen drivers can take advantage of the discounts that many car insurance companies offer for drivers that graduated defensive driving courses.

For additional info, money-saving tips and free car insurance quotes, visit http://www.lowestcarinsuranceratesonline.com/

Lowestcarinsuranceratesonline.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

"Teen drivers will have the chance to learn new driving techniques from experienced instructors. Besides that, graduating a defensive driving course can lower the costs for car insurance ," said Russell Rabichev, Marketing Director of Internet Marketing Company.

CONTACT:
Company Name: Internet Marketing Company
Person for contact Name: Gurgu C
Phone Number: (818) 359-3898
Email: cgurgu@internetmarketingcompany.biz
Website: http://www.lowestcarinsuranceratesonline.com/

SOURCE: Internet Marketing Company

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4 Best Mesa, Arizona Car Insurance Companies - Benzinga

Posted: 22 Oct 2019 03:33 PM PDT

Mesa gets its name from the Spanish word for table. Do you have the right car insurance as you drive around Mesa's beautiful tabletop landscape? Here's our handy guide to the best car insurance in Mesa.

Get the Cheapest Auto Insurance Quote

Tip: compare 2-3 companies

Quick Look: Best Car Insurance in Mesa, Arizona

The Hartford: Best Overall
State Farm: Cheapest
GEICO: Best for Multiple Cars
USAA: Best for Military Families

Mesa Car Insurance Overview

Mesa averages 1.72 vehicles per household.
The minimum coverage to legally drive on the road in Mesa:
- Bodily injury liability coverage: $15,000 per person and $30,000 per accident
- Property damage liability coverage: $10,000 per accident
Drivers with a clean history can expect to pay around $813 per year for state minimum coverage.

Arizona Car Insurance Law Explained

You must have car insurance to drive in Arizona, including the following coverages at a minimum:

Bodily injury liability coverage: Bodily injury liability coverage pays anyone you injure in an accident. Arizona requires a minimum of $15,000 per person and $30,000 per accident.
Property damage liability coverage: Property damage liability coverage pays for any damage that you do to someone else's property in an accident. You must have $10,000 per accident in Mesa.

Both of these coverages leave your vehicle unprotected but you can add collision and comprehensive coverage:

Collision coverage pays for damage to your vehicle when you've been in an accident.
Comprehensive coverage pays for damage to your vehicle that doesn't occur in an accident. Common examples are vandalism, theft or hail.

Arizona Traffic Laws You Should Know

The state of Arizona holds all residents responsible for following the local traffic laws. Violating the laws could lead to a fine, jail time and a higher cost for insurance. Here are a few laws that'll help you stay safe and keep your premiums low.

Cellphone Use

The law prohibits cellphone use while you drive in Mesa and the rest of Arizona:

Supporting or holding a wireless device in your hand or on your person while driving
Reading or writing any text-based communication
Broadcasting, watching or recording video

You can still use voice-to-text or hands-free devices, use a cellphone when your vehicle is stopped at a red light or for emergency (911) calls.

Child Restraint

Arizona law requires all children under age 8 or 4'9" or shorter to be secured with a federally approved child safety seat, booster seat or device. Children stay rear-facing until 3 years of age, but adjustments can be made based on the weight of the child. Children older than 3 can sit in a front-facing seat.

Photo Radar Enforcement

Intersection safety cameras run 24 hours a day, are installed at specific intersections and detect alleged speeding and red-light violations in Mesa.
School zone safety cameras are installed at public school locations that intersect with major streets. During school hours, the speed limit is reduced to 35 mph. You'll recognize the zones because of the signage and flashing yellow warning lights.

Arizona Car Insurance Rates per Vehicle

Car insurance companies use statistics to determine the level of risk and how much you pay for car insurance. The make, model and year of your vehicle all factor in when the insurers give you a rate. Here are a few data points companies use to calculate your premium.

Safety ratings: Cars with advanced safety features are more likely to protect the driver and passengers and reduce the amount of damage in an accident. You can expect to pay less when your vehicle has advanced safety features, such as pedestrian detection, blind-spot warning and automatic emergency braking.
Collision stats: Insurance companies know which vehicles are most likely to be in an accident. They also estimate the cost of repairs. You can expect your rates to be higher for insurance when you drive an expensive car.
Theft rates: Some vehicles are far more popular than others and therefore have a higher probability of being stolen. For example, the most commonly stolen vehicle in Mesa is a full-size Chevy pickup. You'll pay more if your car is more likely to be a target.

Auto Insurance Rates by Credit Score

Some people are surprised to find out it's perfectly legal for insurers to use your credit score to determine your rate. Insurance data reveals that people with higher credit scores are less likely to file claims. On the other hand, drivers with lower credit scores are more likely to file claims and therefore pay higher for insurance.

Want to improve your credit score? To raise your credit score and qualify for lower premiums, you could reduce your debt, pay bills on time and lower your credit utilization.

Here's a quick glimpse at how your credit score can affect your price.

Credit Score	Cheapest Provider	Rate for State Minimum Coverage
Poor 300–579	State Farm	$2,091
Fair 580–669	GEICO	$1,466
Good 670–739	State Farm	$1,221
Excellent 740+	Direct Auto	$1,035

Insurance for Drivers with a Clean Record

Is your driving history clean? If so, you can expect to take advantage of some of the lowest rates in Mesa. Your clean record is evidence that you care about safety and following the rules of the road. Not only will insurers offer you their best rates, they'll also try to keep you as a long-term customer.

Here's a comparison of 3 types of coverage:

State minimum coverage is the minimum insurance that's required to drive in Arizona.
Standard coverage is the state minimum coverage with collision insurance.
Full coverage is the state minimum coverage with collision coverage and comprehensive coverage combined.

Insurance Rates with Driving Infractions

Does your record have a couple of infractions? You'll most likely pay more on your premiums. The insurance companies see drivers as more likely to file claims or be involved in an accident when they have a history of violations. They offset this risk by charging you more for insurance.

Some offenses will bump your rate slightly and others may make it significantly costlier. Here's a glance at 3 common infractions and how they might change your cost of insurance.

At-fault accidents are accidents that you are partially or fully responsible for.
Speed violations occur when you are ticketed for driving too far above or below the posted speed limit.
DUIs occur when you drive under the influence of alcohol or drugs. Getting a DUI is a criminal offense and can cause your rates to be dramatically higher. Mesa and Arizona law set the blood alcohol content for 21 and older at above 0.08, and drivers under 21 can be ticketed for anything above 0.00. Refusal to take the breathalyzer test is an automatic 1-year suspension of your license on your 1^st offense.

Insurance Company	At-Fault Accident	Speed Violation	DUI
Nationwide	$3,110	$3,310	$4,606
Progressive	$4,156	$3,667	$3,331
State Farm	$5,186	$4,756	$4,756
Travelers	$3,216	$3,077	$3,578
USAA	$3,214	$2,640	$4,240

4 Best Car Insurance Providers in Mesa

There's no reason to overpay for insurance. Take a look at the best companies in Mesa if you're still trying to figure out how to lower your car insurance.

1. Best Overall: The Hartford

Do you value excellent customer service at a reasonable price? The Hartford might be the best pick for you. The company leads the Southwest region and took the top nod from J.D. power for auto insurance consumer satisfaction.

The Hartford tailors to drivers 50 or older who are eligible for AARP. If that's you, then you might want to consider the Hartford's discounted policies and friendly staff.

2. Cheapest Auto Insurance in Mesa: State Farm

Are you looking for cheap car insurance? State Farm is a household name that consistently ranks high for customer satisfaction. State Farm offers several ways to save in Mesa. Some notable discounts include accident-free, good driving and vehicle safety discounts.

Good students, graduates of defensive driving courses and even teenagers away at school are all candidates for added discounts. You can maximize your savings by adding renters, condo, homeowners or life insurance to take advantage of a multiple line discount. State Farm believes that the more business you do together, the better rates the company can give you across the board.

3. Best Coverage for Multiple Cars: GEICO

Families with more than 1 vehicle should consider GEICO in Mesa. Adding your spouse, teenager, roommate, an elderly parent or other family member is easy online through its quoting system.

GEICO gives up to a 25% discount when you have 2 or more vehicles listed on your policy. And if the other person is a veteran, student or senior, you may qualify for even greater discounts.

You might think about multiple lines if you're already adding multiple cars. Don't forget to add your golf cart, motorcycle or RV — the more vehicles you have, the more chances there are for you to be able to save.

4. Best for Military Personnel: USAA

USAA prides itself as the one-stop-shop for insurance needs for service members, veterans and their immediate families. You may not qualify unless you're in 1 of those 3 groups, but USAA has some of the most aggressive pricing in Mesa.

USAA also has policies you can access anywhere in the world online or through the app. It's perfect for families with a deployed member. USAA also allows you to choose your payment plan upfront so you can adjust for fixed incomes.

USAA stacks on discounts when you add homeowners, renters or life insurance. USAA should be at the top of your list if you have a military family.

Your Lowest Rate in Mesa

Mesa is sunshiny — but there's no need to sweat over the cost of insurance. Many people spend far too much time picking their dream vehicle and almost no time at all figuring out how to protect it. Don't let that happen to you.

Get plenty of quotes and speak to multiple representatives. Receiving several quotes should help you make a smart decision for your family and finances. You'll be well on your way to get the coverage you need at the most reasonable price.

Frequently Asked Questions

1) Q: Should I have just the minimum amount of car insurance required by my state?

It's a good idea to purchase more than the state minimum of any type of insurance. State minimums are set relatively low to keep insurance affordable, but in the case of an accident, you can deplete your minimums quickly with expensive medical and property damage costs. Once your bills extend past the minimums, you'll personally be liable for additional costs and damage. Get the coverage that makes sense for you here.

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2) Q: How does my personal credit play a role?

Insurance carriers run credit scores to help determine policy premiums. Your insurance rates will likely be lower if you have an excellent credit score. On the other hand, your insurance rates may be higher if you have a poor credit score. Insurance companies believe credit scores are an indicator of whether you'll make your insurance payments on time and credit scores combined with other data can be predictive of risk. Check out the best companies for all credit scores now.

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3) Q: What kind of discounts are usually available?

The most common discounts available are multi-policy and auto-pay, but every company is different. Other discounts that are widely available are loyalty, good student and anti-theft device discounts. See our top providers with the best discounts and get a unique quote.

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