Insurance World

Cheap car insurance is out there

My college days were laced with phone calls from the motor vehicle department reminding me of my many speeding tickets and moving violations. Although they never revoked my license I don’t think a driving record can get much worse without losing your license altogether. A driving record like that along with being younger than 25 years of age and you are looking at some very expensive insurance rates. At one time I had fifteen tickets on my record. Cheap car insurance was not the question. Getting at all was the issue. Many companies would not even insure me. Those that did would not touch me for less than $600 per month. To make a long story short I did end up with insurance that was affordable. Even with tickets from my state and 3 surrounding states.

What to watch out for

Before running out and getting quotes from all over the internet there are some things to know. I was able to find insurance for about $136 per month while having that driving record. I also forgot to say that I had one accident claim on record also. I was able to find very affordable insurance. The difference is the coverage. I did have to give some things up. Many companies are very different in what they offer. It could range from free vehicle towing to very high deductibles. Be sure to compare not only the quoted rate but the coverage also. And remember, in three years most states will clear your driving record and when you hit the age of 25 your rates improve dramatically.

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When you’re sick, you go to a medical doctor. When you need to organize your finances, you go to a CPA. When you need someone to help you understand and purchase auto or homeowners’ insurance, you should go to a Chartered Property Casualty Underwriter, or CPCU.

Just as these other professionals work with you as partners, so too is a CPCU your professional insurance partner. CPCU is recognized as the premier professional designation of the property and casualty insurance industry. When you choose a CPCU, you can be sure that you are working with someone who has significant experience and can offer you guidance on all of your insurance decisions. A CPCU must also agree to an enforceable code of ethics and pledge to put your interests above his or her own.

Simply put, CPCUs are dedicated to helping consumers make better insurance decisions-and they’re highly qualified to do so. To earn the credential, CPCUs must pass undergraduate- and graduate-level courses covering such diverse subjects as insurance law, ethics, accounting and management. These demanding standards ensure that when you choose a CPCU for your insurance needs, you are choosing someone who not only has your best interests in mind, but has the background and knowledge to prove it.

Many CPCUs are also members of the CPCU Society, a professional association that provides CPCU members with opportunities for continuing education and professional development. These opportunities ensure that CPCUs stay on top of the latest issues in the industry and can pass that knowledge on to their customers.

The CPCU Society was founded in 1944 with a mission to meet the career development needs of a diverse group of professionals who have earned the CPCU designation, so that they may serve others in a competent and ethical manner. There are 26,000 CPCU Society members around the world that help others make sound insurance decisions.