Reader’s Question:

My partner is encouraging me to switch to a gay friendly auto insurance company but I am a little bit hesitant because I’m a tenured subscriber. Do you think that would be a wise decision though?

Jeremy

Atlanta, GA

There are several reasons why people decide to switch over from one auto insurance to another. Reasons would include moving to another state, you may have changed jobs and is eligible for a group discount or you are dissatisfied with the auto insurance policy and so on. Whatever be the reasons may be, the switching over process should be done trouble-free so that you can get on with the next set of things you have in mind.

Your partner may have encouraged you to switch over to a gay friendly auto insurance company that he is aware of, probably because of the current offering for benefits and on the LGBT community. Well, it would be best to investigate the policy first and review the coverage to make sure that you’re receiving the best insurance value for your money. Some people assume incorrectly that their loyalty really matters. It actually plays a very small role; insurance companies are in my opinion, first and foremost, loyal to their shareholders and their bottom line.

So, if the new auto insurance company engages in appropriate and respectful advertising and actions that drives the goal of GLBT equality. Most importantly, if the auto insurance coverage is the same, then by all means, do not feel bad about switching. After you decide to switch over notify your current provider and process the official cancellation patiently until everything is settled.

Tags: auto insurance, Gay Friendly Insurance

One typical problem faced when looking for gay friendly auto insurance for your vehicle is, well, the price. How you deal with this depends on what kind of car you have, but either way there’s something you can do.

• Financed car, new car, expensive car.

If you’re financing a car, then you may be required to have collision and comprehensive coverage in addition to what’s required. You may also want to have this if you have a newer car or a car that’s worth a good chunk of money. Since you have to pay for extra insurance, you can save a lot of money by taking more responsibility for losses. You can do this by raising the deductible on your comprehensive and collision coverages. At the least, your deductibles should be $1000, but the higher the better. Just make sure it’s enough for you to afford.

• Old car, junk car, broken down car, unused car, cheap car.

If your car is paid off, isn’t worth very much, or isn’t used very often, then you can forgo buying extra coverage and just limit yourself to what’s required. Even then, you can lower your liability and possibly no fault coverages to the very minimum amount required by your state. If your car is worth $2000 or less, you should consider doing this.

Gay friendly auto insurance quotes are often dealt with too light handedly. A person will go online, look at one site, get one quote, think about it for a second to decide whether it goes beyond their idea of cheap, and then buy. This is a bad way of doing things, because there are thousands of car insurance companies just hanging around with different rates, and the prices vary so hugely between companies that only searching narrowly, you’re doing yourself a huge disservice.

You should check for gay friendly auto insurance quotes regularly by going to instant quotes sites to give your information. Sites like these often give you quotes from as many as 10 different car insurance companies.

Gathering quotes should be done regularly, in the following situations:

• your policy is about to be renewed. This happens from every six months to every year.
• your policy is being canceled.
• something in your life has changed significantly: you have moved, bought a new car, you will be adding a new driver to your policy, you have gotten married, and so on.

So you’re looking for gay friendly discount car insurance? Well, you’ve come to the right place. Discounts are very often overlooked when policy holders are searching for a car insurance company, but they’re very important. One company may give you a lower quote, but have few discounts, while another company with a higher quote and lots of discounts, after applying the discounts, would actually turn out cheaper. It’s more complex than you think, you see. Here are a few common discounts you should keep an eye out for when looking for gay friendly discount car insurance.

• Multi line policy. If you’re going to buy car insurance, why not get it from the same place you buy your homeowner’s insurance and your life insurance? Keeping it in the family can save you around 10% on ALL policies.
• Student benefits. Good students and students who are attending college far from home can benefit from substantial car insurance discounts.
• Safe car. By keeping your car up to date with safety features and anti theft devices, you can save money on car insurance.
• Education. Take a defensive driving or general driver’s education course for another chunk off your policy.

For anybody who is faced with the first time they are required to buy gay friendly SR22 insurance, it can be like looking at a maze. The slight freedom which you had before in letting your car insurance lapse while you paid other bills no longer exists, and you face the options of either paying your car insurance or driving illegally on a cancelled license. Not everybody gets the Paris Hilton treatment when they’re caught for this.

So here’s a basic explanation of gay friendly SR22 insurance.

When you’re caught for a number of things, most commonly having racked up too many traffic tickets, driving drunk, or driving without car insurance, your license is often suspended. Most states require you to file proof of insurance in order to restore that license. This proof of insurance comes in the form of the SR-22 filing, which generally costs between $15 and $30. Even though the filing fees aren’t too high, the risk an SR22 requirement brings can inflate your prices like a balloon.

In most states, you have to keep your SR22 form on file for at least three years, sometimes more depending on the seriousness of the offense. If you don’t have insurance during that time, your license is cancelled.

Some facts about gay friendly teen insurance:

• prices tend to be 50% to 100% higher than those for drivers over the age of 21
• this is influenced by the fact that the leading cause of death among American teenagers is car accidents
• there are ways to save money on gay friendly teen insurance

Looking at your first teen insurance premium can be overwhelming. The numbers are often so high you might as well just walk and put it aside for college tuition. Still, as cities sprawl out into suburbs and communities become less crowded, it’s important for many American teenagers to have cars to drive themselves to work and school, or just out to have fun.

If you need to have gay friendly teen insurance, start keeping up in school. Do more than just keep up, actually–for students who prove their hard work by making at least Bs, any car insurance company worth its salt offers a good student discount which can save them as much as 20% off of their policy–and for teens, that ain’t chump change. All you need to be is a full time student between 16 and 21 with proof in the form of a report card or transcript.

Gay friendly non owner car insurance is an excellent policy to chek out when you’re in a unique driving situation. If you don’t really own a car, or if you tend to drive other people’s cars, then it might be a good idea to buy one of this, especially if you have to file an SR-22 form. Even if the car you tend to drive is already insured by the owner, such as a company car, you can take responsibility for yourself by adding on some additional coverage to take care of things if their coverage isn’t high enough, so that you don’t get into financial trouble. If you tend to drive rental cars very often, it’s cheaper to have a non owner policy, rather than buying insurance from the rental company every time.

Still, gay friendly non owner car insurance is limited and somewhat expensive. You are only permitted to purchase liability coverage–as well as no fault coverage, if you live in a no fault state–and the prices for this can be steep considering that the company cannot factor in your vehicle when rating your policy. Nevertheless, there are ways to save on this.

You can keep your coverage worthwhile but low, add your policy in with other insurance policies, keep your grades high and school, take the bus more often, and so on. Call your insurance company to find out about more discounts.

There are a lot of things which should concern a first time insurance shopped, but one thing that probably confuses the most is the task of deciding which gay friendly auto insurance company to buy a policy from. Many people make their decision based on things which may or may not matter, such as low rates, proximity, or recommendations from friends, but which shouldn’t be the whole base of the decision anyway. As you go into your search, here are a few strategies for finding the best gay friendly auto insurance company for you.

• Who’s complaining?

Check the website for your state Department of Insurance. On there you will find an area where you can see the number of complaints insurance companies in your states have had filed against them. Even larger companies with a high profile may fall into interesting territory here, so it’s important to check even if they have expensive commercials on every channel and an agent on every corner. Compare complaint ratios to get a good look at how well each company you’re considering handles claims.

• Asking around.

Asking for recommendations isn’t all bad, either. Friends and family members can give you insight when explaining their personal dealings with a gay friendly auto insurance company. You can get the best point of view, though, from body shops, where the mechanics encounter insurance companies and policy holders on a daily basis. Ask who they recommend.