5 Benefits to Having a Personal Injury Lawyer Represent You

If you have been injured in a car accident or injured by another person’s actions, you have probably been told that you need to talk with a personal injury lawyer. In fact, in most cases, it is to your benefit to have a lawyer handle your case. Here are 5 benefits to having a personal injury lawyer represent you.

1. Personal Injury Lawyers Know Personal Injury Law.

This may sound obvious, but many people think that they know just as much as a lawyer and that a lawyer just collects the money. That is simply not true. Just because you have been injured doesn’t mean that you are entitled to full compensation for your injuries. Few states recognize contributory negligence nowadays, but contributory negligence says that if you even slightly contributed to a car accident, you are not entitled to compensation. Most states recognize some form of comparative negligence which allows you to receive at least some compensation for your injuries depending on your involvement in the car accident.

Another portion of personal injury law is knowing what personal injury claims to which a person is entitled. There are a lot of possible claims, many of which a non-lawyer doesn’t think about.

You benefit by the lawyer knowing personal injury law in that an insurance adjuster cannot BS or misrepresent the law in trying to convince you that you will not receive compensation to which you may really be entitled.

2. A Personal Injury Attorney Knows Insurance Law.

This may sound like it doesn’t make a difference, but it can make a dramatic difference. For example, an insurance policy may provide for a benefit of $20,000 to an injured person. The insurance adjusted tells you that he will give you the entire $20,000 since you have a good personal injury claim. What the insurance adjuster does not tell you is that there may be ways under state law that you can receive more. For instance, some states allow “stacking” of insurance policies in certain circumstances and this means that you can receive more compensation.

You benefit by a personal injury lawyer knowing if state laws entitle you to more compensation for your injuries than is apparent.

3. Personal Injury Attorneys Know Approximate Values Of Injuries

Experienced lawyers have handled a number of cases and have a good idea of what most injuries are worth. Also, personal injury lawyers know what facts may increase or decrease the amount of compensation to which you are entitled. By virtue of the attorneys’ experience, insurance adjusters and lawyers cannot BS or misrepresent the value of a personal injury claim.

4. A Personal Injury Lawyer Will Go To Court.

Insurance adjusters know that if a case goes to court, the insurance company could be forced to pay a lot more that they want to pay. The adjusters also know that if you are representing yourself, it will be difficult for you to go to court. They know that a personal injury attorney will go to court. Therefore, the adjusters have to be more realistic in what they offer you as compensation for your personal injuries.

5. Personal Injury Lawyers Generally Increase The Value Of A Case.

Basically for all of the reasons stated above, insurance adjusters will offer more compensation when a lawyer is representing you. Some people will tell you that the increased compensation amount is offset by having to pay a lawyer. So you end up with the same amount in the end. Sometimes that is true, but in many cases, because of his/her knowledge and experience, a personal injury lawyer will recover more than enough for your personal injury claims to offset the attorney fee.

I cannot and do not vouch for the experience or effectiveness of any personal injury lawyer. The above is merely a guide as to what you may expect. Also, the results of any case may be vary from lawyer to lawyer.

This is general information only. If you have any questions whatsoever, talk with a lawyer licensed in your state.

This article may be republished, but the wording must not be changed and the author links must remain active.

What Is Up With Car Insurance Rates in Edmonton?

Edmonton definitely lives up to its nickname, "Gateway to the North." Being the fifth largest city in Canada and the home of almost 1 million people, Edmonton is flourishing. Together with its infrastructure growth and population, there is a surge of vehicles on Edmonton's roads. All these drivers need to get around, and there's no shortage of routes to get anywhere; with a network of connecting roads, you can get from Summerside to St. Catherine. Albert with ease.

Whether you're taking a road trip across the prairies or commuting daily via Calgary Trail, all Edmonton drivers need car insurance. Rates are changing in Alberta, which is why every driver in Edmonton should take advantage of price comparison shopping to get the best rate.

Let's see what's going on with auto insurance in Edmonton.

The Average car Insurance rates in Edmonton and Alberta

Alberta auto insurance premiums on average were $ 122 / month in 2017, while Ontario auto insurance premiums averaged around $ 161 / month in 2017. Drivers in Albertan pay around 25 per cent less for car insurance than Ontario drivers.

It's interesting to note that on average, women pay less for Alberta auto insurance premiums than men – $ 116 / month compared to $ 126 / month paid by men in 2017, but this is pretty much standard across Canada.

Young drivers in Edmonton (aged 25 and under) paid around $ 187 / month in 2017 for Alberta car insurance. Alberta auto insurance premiums go down as drivers grow older. For example, in 2017, people aged 31-35 paid around $ 152 / month, people aged 46-50 paid around $ 122 / month, and people aged 56-60 paid around $ 100 / month.

Alberta drivers with a taste for luxury vehicles can expect their car insurance rates to increase. Drivers with cars valued between $ 40,000 – $ 80,000 paid around $ 170 / month for their premiums in 2017.

For Albertans choosing to buy a modest vehicle valued between $ 10,000 and $ 20,000, they can expect their Alberta auto insurance premium to be about $ 123 / month. This means rates would be similar for luxury brand older models of compact car brands such as Kia, Mazda, Ford etc.

Facts to Know about Auto Insurance

  1. LowestRates.ca (an online rate comparison comparison for auto insurance, credit card rates, loans and mortgages) launched its 2018 Auto Insurance Price Index report. This is Canada's only price index to use proprietary data to track the average quarterly cost for car insurance paid by Canadians. The data comes from the hundreds of thousands of quotes processed every year by LowestRates.ca. The index report shows that since the fourth quarter of 2016, the price for Alberta auto insurance has been increasing by 5.1 per cent in 2017, which means that the average Alberta driver paid more for car insurance in 2017 than in 2016.
  2. Police have jurisdiction when it comes to deciding who is criminally responsible for a motor vehicle accident but when it comes to the auto insurance claims, the insurance company makes the decision. It's the insurance company that will investigate the crash and make a ruling about who was at fault – which ultimately decides whether or not the insured will have to pay the deductible.
  3. Statistics from the Insurance Bureau of Canada's (IBC) 2014 top 10 most stolen cars revealed that cars made between 1999 and 2007 were in the top 10. Industry experts believe that part of the reason thieves target older model cars is because fewer of them have anti -theft devices. Additionally, the IBC states that sometimes car owners make it too easy for car thieves to get away with their vehicles. Around 20 per cent of all stolen vehicles had the keys left in them.
  4. Although parking tickets are a pain and an avoidable expense for drivers, insurance companies aren't concerned with how many a driver has; Thus, they don't affect car insurance rates. However, if tickets aren't paid, you won't be able to renew your driver's license or registration; and if get your driver's license suspended it will affect your insurance rates.

Auto insurance rates in Edmonton are changing, but the good news is you can shop around to get the best price. You don't have to settle for one insurance agency's quote. At InsurEye , our brokers shop the market for you, so you can get the best policy for your needs and budget.

A Slip and Fall Attorney Can Help You Recover Financially!

When a slip and fall injury occurs, a skilled attorney representing you is your best resource to negotiate on your behalf.

Often, one may not understand the severity of a slip and fall injury, until weeks pass by. You may start feeling pain in the spinal cord or a paralyzing sensation in the lower back after a few days which could turn into a serious injury.

Eventually, if proper medical attention is not given, it may turn into a disability. Other problems may also arise, as the entire nervous system is controlled by the spine and the nerves in turn, control the body.

Finding medical help should be your priority. You should see your primary care doctor for an evaluation. They, in turn, should be able to refer you to a specialist, such as a chiropractor, orthopaedic or physical therapist. Recovering financially from a slip and fall may be more difficult if you are not able to work. The medical expenses incurred may also be significant depending upon the severity of your injury.

Thus, a slip and fall attorney may be the best person to help you recover financially if someone’s negligence is responsible for your injury.

Why Does One Need a Lawyer?

If a business or premise owner is responsible for the defect which caused the accident, their insurance company will have legal counsel representing them. Without an attorney representing your interests, it will be difficult for you to prevail.

Often a slip and fall is considered a personal injury claim. In this situation, a personal injury attorney would also be of great help. In cases where an employee might slip and fall while working on the premises due to negligence on the owner’s part, a workers’ compensation attorney would handle the case.

Should you be injured in a slip and fall accident, contacting a qualified personal injury lawyer would be the best action to take. Your lawyer is the best resource one could have to work with the insurance company and bring this matter to resolution. This results in receiving fair and timely compensation for the injuries as well as lost wages that may have occurred.

Things You Should Know About the Lawyers

• Slip and fall attorneys are experienced in many different types of slip and fall cases. You should find a lawyer who has experience in these types of cases.

• The lawyer you select should negotiate the best settlement possible based on your injury.

Should You Create a Power of Attorney?

There are some few exceptions as the right to get married or vote. As an individual and principal you can grant unlimited power known as a general power of attorney.

The attorney-in-fact generally can only carry out an action if the individual and principal can exercise the same power. This stops the attorney-in-fact from acting when the principal is incapacitated. If an individual is unable to sign a contract the attorney-in-fact is also unable to sign a contract for the principal. But if you have a Durable Power of Attorney the attorney-in-fact is allowed to execute the powers granted by the principal even after the principal becomes ill.

At the Time of Death A Power of Attorney Ends

Whether you have a Durable Power of Attorney or you do not, at the time of death all power of attorney ends. If the individual and principal has granted attorney-in-fact rights to perform certain tasks, upon death all those rights are terminated.

How A Power of Attorney is Revoked

As long as you are alive you have the power to revoke the power of attorney. To revoke the power of attorney you must contact your attorney-in-fact that the power of attorney has been revoked. You can also detail at what date the power of attorney will expire.

A Springing Power of Attorney

A power of attorney can be designed to spring into effect if you become disabled or at some predetermined time or event. This is a springing power of attorney. The springing power of attorney prevents your attorney-in-fact from using the powers while you are able to take care of them yourself.

The attorney-in-fact must prove that the individual where your powers are concerned is in fact disabled and can not perform the tasks needed. You will need a written document from the physician or hospital that you are incapacitated.

It should be a current document and not several days old or it could be questioned as to whether you are still ill or disabled. So to save yourself, added turmoil, and be required to furnish a more current document take care of it the same day.

Instant Power of Attorney

Your powers of attorney can become effective immediately, as soon as it is signed, This is the type of power of attorney people use when they will be in another country for a long period of time and will not be available to handle such matters. It is generally a durable power of attorney that will expire in one year. You can also have provisions built into the powers of attorney will you can extent it. If you become incompetent or ill when the power of attorney expires, and you’re attorney-in-fact or agent, will need to go before the court to get approval to continue.

Medical Decisions

When you have a durable power of attorney it can be used to allow your attorney-in-fact the power to make medical decisions in case you become incapacitated. Most individuals have separate power of attorneys for medical and financial affairs. Sometimes the same person handles both powers of attorneys.

How to Choose your Attorney- In-Fact

Since this is one of the most important documents of your life it goes without saying it should be the most trusted of people with impeccably credentials who understand your wishes And how to handle your business. One other thing to bear in mind is when you give someone this power they have the ability to do as they wish, and may not follow your instructions. That’s why you must be very careful. When it comes to money sometimes people do things for their own interest. Your attorney-in-fact is a fiduciary. Which means that they are there to manage your assets to help you, and not themselves. The person you choose will be called under difficult circumstances. So generally it will be a family member or a close friend and sometimes an attorney you trust and respect. If you do not have a power of attorney in place it will fall to the laws of the state.

Pros and Cons of Critical Ilness Insurance Coverage

Critical illness insurance is a relatively new type of policy that is frequently misunderstood. Today, we will clarify what it is, and what it covers.

How Does Critical Illness Insurance Work?

Critical illness is similar to term life insurance, except it is paid out when you are diagnosed with an illness covered by the policy, rather than being paid out upon death. However, some people confuse this type of insurance with disability insurance, which substitutes your income if you become disabled.

Illness insurance, like term life insurance, is paid in a lump sum, should you be diagnosed with a pre-defined disease such as cancer. You decide how this amount will be spent – some people put it into additional medical treatment (especially if there are some treatment methods that are not covered by provincial healthcare), others decide to take time off work to spend with family, or to travel.

As with many insurance products, this type of insurance plan comes with an extensive insurance quote, application and underwriting process that the insurer analyzes before you can get a policy; and as with any insurance policy, a critical illness policy comes with both pros and cons.

Let’s take a closer look at the pros and cons of this type of insurance.

Pros of Critical Illness Insurance

There are several positive aspects:

  1. Funds that can help where needed: The lump sum you receive if you are diagnosed with a critical illness will allow you to get better treatment and, hopefully, fully recovery in some cases. You can also spend these funds on other needs or projects (such as travel or taking items off your bucket list).
  2. Protection for your own business: If you have your own business, you might need to work part time, after being diagnosed with a critical illness (reduced work hours are common when extensive medical treatment is required). It closes the financial gap created by your reduced hours at your company. With the funds, you could hire somebody to help out with your business.
  3. Stackable protection: Unlike disability insurance, critical illness coverage is “stackable”. With disability insurance, coverage is limited because it is based on your income, and you cannot go over that limit even if you have several disability policies. You can, though, have several policies with varying coverage amounts of different diseases. If you have, for example, two policies with benefits of $250,000 and $300,000, you can get a $550,000 payout when you make a claim.

Cons of Critical Illness Insurance

  1. Expensive: This type of insurance policy is not cheap. As an example, a Term 10 insurance policy with $500,000 coverage (Term 10 means a policy that covers you for 10 years) for a 35-year old non-smoking male without any pre-conditions costs around $180/ month (exemplary quote) whereas a Term 10 life insurance policy with coverage of $1,000,000 for the same person costs around $50.
  2. Definitions matter: If a diagnosed disease, such as a heart attack, is not aligned with the definition of this illness in the policy, your claim may be not paid.
  3. Does not cover you immediately: Policy typically comes with a waiting period (e.g. 90 days) during which you are not covered.
  4. Payout is not immediate: If you are diagnosed with a critical illness, there is “survival period” – (e.g. 30 days). If you die within that period, your claim will be not paid.

Summary

Critical illness insurance provides solid coverage for being unexpectedly diagnosed with a serious disease, but this coverage comes at a cost. It’s a good idea to work with an insurance broker to get a critical illness insurance quote and to apply for a policy. Brokers have access to multiple insurance companies and will help you navigate through the complex application process, especially if you have medical pre-conditions.

Why Hire A Child Support Attorney?

Receiving or paying for child support can be a tedious overwhelming process regardless of where you are or where you live. Every state has a set of regulations and rules over the filing and payment process not forgetting where to source for help. In as much as the local child support enforcement office can help you out with the process, you might find it helpful to use the services of a child support attorney. Here’s how he might help.

  • The lawyer will assist you, the non-custodial parent, to navigate the process by acting as a third party. This is considering that the procedure can be very stressful.
  • The attorney offers you peace of mind since you will know that your interests are safe. He will answer the case questions, file the paperwork and identify instances where additional actions are required to turn the case in your favor.
  • The child support attorney helps in ensuring that your children are well provided for. Adequate financial support is important for the growing children even in cases where a divorce is taking place. They will have all the basic needs catered to including clothing, school and food which can be hard for a single parent to handle especially with an insufficient income. The rights of the children will be given priority by your attorney.
  • He ensures the payments arrive right on time to take care of the needs. The payments can bring about contentious matters, but when working with a professional lawyer, you can be sure that the right steps will be followed to make sure that they always arrive on time. It is a simple way of ensuring that the children’s needs are met without delays to help them adapt to the changes without too many problems.
  • The lawyer works on the needed paperwork ensuring that the filing is done correctly and in a timely manner. It is most important since cases have a tendency of encountering lags when the paperwork is not done properly or if there is an error in the work.
  • Through your attorney, you will have all the information you need on pressing questions such as where the children are going to live, if a parent can move with them out of the state, visitation rights, parental rights, who pays for medical bills and health insurance and who pays child support and whether it will increase over time.

When looking for the best child support attorney to handle your disputes and modification needs, it is important to look for qualified trained and licensed professionals. Experience and success rates in the field can give you the assurance you need that you are hiring the right person for the job. You won’t have to worry about the complications that usually arise with support cases and filing with a good lawyer at hand. A simple background check on a few of your local reputable attorneys will help you with the decision making process.

Life Insurance Fraud

Life insurance fraud is a black eye on both life insurance companies and life insurance customers. Both parties have been guilty of life insurance fraud and will be again–especially since, sadly, fraud seems to be on the rise according to most statistical measures.

Research by the non-profit The Coalition Against Insurance Fraud concludes that life insurance fraud committed by all parties costs an average household $1650 per year and increases life insurance premiums by 25%.

Life insurers are most often guilty of insurance fraud in the form of their agents doing “churning”. This is where the agent seeks to cancel your existing life insurance policy and replace it with a new policy that is paid for by the “juice”, or cash value, in your existing policy. Agents do this to earn more commissions for themselves without having to seek new prospects for business. Churning can result in increased premiums for a customer and clearly costs them out of their cash value.

Another insurance fraud practiced by agents, however, is called “windowing”. This is where, being unable to attain a client’s or applicant’s signature on a necessary document but already having that signature elsewhere, the agent holds up a signed document behind the unsigned document, presses it against a window to make the light shine through, and traces over the signature with a pen in order to forge the signature of the client or applicant.

When big name insurance companies have their agents do bad things it makes big headlines, but the fact is that the public is far more guilty of insurance fraud than companies are. And of course making false claims is the thing they do the most, which is why all claims on life insurance death benefit payouts are subject to investigation.

But falsely stating background or financial income information is another form of insurance fraud often engaged in by consumers. They might be embarrassed by their medical history or income, or they may realize that if they tell the truth they will have their coverage diminished or their premiums will be very high. If a life insurance company finds out someone lied on their application they have the right not to pay the claim or not pay the full death benefit depending on the circumstances and the policy.

But there are things that buyers of life insurance can do to protect themselves against insurance fraud, since they don’t have the great investigative resources that life insurance companies do.

Remember, when it comes to life insurance, if it sounds too good to be true, it probably is. There’s no free lunch.

Save all of your life insurance paperwork, including getting receipts for every penny you give your agent, and never ignore any notifications from your life insurance company.

Life insurance is never free and it’s not a pension plan, although certain policies can indeed become self-funding–but they never start off that way.

Never buy any coverage that you feel strongly is unnecessary, never let yourself be pressured, and never borrow to finance life insurance.

Although it can be part of an investment portfolio, life insurance’s number one role is protection against the unforeseen–and most people don’t need life insurance in their later years. It is intended to be temporary.

Business Insurance 101: What You Need to Know

So you started your own business. You’ve seen a hole in the market or come up with a brilliant new idea. You’ve got things underway and maybe even started to make a bit of money. Well, before you take one step further, it’s time to think about insurance for your business. After all, you took a big risk starting your own company and that means you need to mitigate those risks as best you can.

The hardline fact about coverage and businesses is that you need it. Everything you have for your business, from vehicles to basic liability, requires insurance. Without it, you could put everything you’ve built in jeopardy, open yourself up to crippling financial issues, or even be in violation of the law. But not to worry, here are some basics about coverage of your business that can help you get the protection you need to succeed.

Types of Business Insurance

The first thing you need to understand about coverage and your business is the different types that exist. Depending on your business, you may need specific kinds of insurance. In general, business coverage can be broken down into three broad categories: insurance for owners or partners and key employees, coverage of business earnings and property, and liability insurance. Here is a breakdown of each different kind.

Insurance for Business Owners, Partners and Key Employees

If you own a business, you need specific types of coverage depending on how your business is set up. These can include, but are not limited to:

• Life insurance – This coverage protects your family if something happens to you. If you are the sole proprietor of your business, this insurance is key because business owners are personally liable for all the debts of the business.

• Disability insurance – In the event that you are injured or fall ill, disability insurance will provide you with an income for a specified amount of time.

• Partnership insurance or buy-sell coverage – If you have a partner in your business, this insurance will help you purchase your partner’s shares and continue running the business in the event of their death.

• Critical illness insurance – If you become critically ill, this coverage will give you a lump sum of money to help you through the situation.

• Key person insurance – This coverage protects you in the event of the death or loss of those employees who are most important to your business.

Insurance for Business and Property Earnings

On top of coverage that protects individuals, your business may also require the following types of insurance to protect its assets and earnings. Bear in mind that businesses run out of your home may require coverage beyond your home insurance. It is always a good idea to contact your coverage company to discuss running a business out of your home.

• Property insurance – This coverage covers any buildings or property owned by your business if it suffers damage or destruction from fire, earthquakes, avalanches and other such disasters.

• Contents insurance – If you have a property or building that stores things for your business, such as a warehouse or storefront, this policy covers the loss of those contents. Note that even if you are leasing space, you may still require contents insurance as your lease will likely make you responsible for what you put inside the leased space. Home business owners will need to contact their insurance companies to discuss what needs to be included in their home policy.

• Business interruption insurance – When disaster strikes, this policy will cover you for the time that your business cannot run at its proper efficiency.

• Vehicle insurance – If your company owns vehicles, you are legally required to have coverage. If you use your personal vehicle for your business, make sure that you contact your insurance company.

Liability Insurance

Liability covers you in the event of a mistake or accident for which you can be held responsible. There are three kinds to consider when you own a business: personal liability, product liability, and professional. These cover you from personal responsibility, something going wrong with your products, and from lawsuits filed by your clients, respectively.

Starting your own business is a big risk, but that doesn’t mean you should take unnecessary chances. If you own a business, you need the right coverage. Be sure to shop around and find the insurance package that’s right for your business. If you have any additional questions, we can help you make sense of your policies to ensure you have the right kinds of coverage from the right kinds of insurance companies.

HOA Attorney Job Description

This type of attorney is the one that represents and advises the homeowner’s association board members on many different matters regarding property rights and contracts. A HOA attorney is generally in charge of drafting the community rules so that they comply with the governing law. They will also provide broad advice to the members of the association about organizational structure and leadership responsibilities and helping to enforce the rules against the homeowners. A HOA attorney can also represent the association if there are any lawsuits filed and advises the residents and board members about their rights under law.

This law is a very specific branch of property law, which is important to the maintenance and creation of a system of ownership. These property laws can help to guide the buying and selling of property. Property laws sorts out the power that the association can control and setting the parameters as to how that power can be executed. When the community agrees to abide by a set of uniform rules they are enforced by the homeowner’s association board, which is generally filled by election and made of individual residents of the community.

Because this board is like a quasi-legal entity that has its own insulated rules it is very important that the homeowner’s association board has legal representation to ensure that all of the actions it takes complies with the governing laws. It will be the job of the HOA attorney to represent the homeowner’s association board. The HOA attorney’s job focuses primarily on advising by helping them to review and update the rules so they are not violating any governing laws.

Other jobs that a HOA attorney might do can include:

• Enforcing the rules against any homeowner who is not in compliance by contacting the homeowner to explain the violation and try to find a resolution that is amicable to the homeowner and board. If the homeowner does not cooperate the attorney will be the one to begin contempt filings or legal evection.

• They may represent the homeowner’s association in any legal proceedings outside the association such as dealing legally with a contractor who did poor work in the development. It will be the HOA attorney that will see remuneration and if it becomes necessary will file a lawsuit against the contractor.

• If the homeowner’s association is sued the HOA attorney would do the defense of the homeowner’s association in the case.

The HOA attorney is the legal voice for the association’s board and generally is not a full time job. Many times this attorney will represent several homeowners’ associations at once or represent them and have a property law practice.

Car Insurance Quotes Online Info: How to Find Quotes and Get Discounts on Auto Insurance

Thanks to the internet, car insurance is easier to buy than ever before. It’s so easy to get multiple car insurance quotes online at once from different companies, all at one site. The downside is that you’ll have to take the time to compare them in order to decide which option is the best for you. To help make the process go quicker, you should have all of your information prepared and ready to go.

Whenever you get an auto insurance quote online, whether through an agent or directly, you’ll need to provide some documentation such as your driver’s license, make / model of vehicle, address, VIN, age, social security number, etc. Like it or not, there are certain age groups that are considered “higher risk” than others. Your location might play a role in the types of quotes you get as well – especially if you live in an area prone to extreme weather and road conditions, or where there is a high rate of crime.

If your vehicle has certain safety features, like anti-lock brakes, front and side airbags, GPS, and an alarm system, you will likely qualify for a discount when shopping for car insurance quotes online. Many auto insurance companies give out discounts to safety-conscious drivers. Also, you can potentially save even more if you take a defensive driver’s course.

Other Factors Affecting Car Insurance Quotes Online

Another possible factor affecting the quotes you will get is your credit score. Those with poor credit will have a more difficult time getting a good rate on their car insurance. If you have poor credit, the best thing you can do is try to look for as many discounts as possible. Some insurance companies offer a wide variety of discounts so you will probably be eligible for at least one of them.

As for age and gender, males are usually required to pay higher rates than women since women are considered to be more cautious when driving. Also, drivers younger than 25 are statistically more likely to be careless, so they are usually charged higher premiums. If you are a student who makes good grades, however, you will probably be eligible for a discount.

There is a newer thing some insurance companies are offering called “usage-based insurance”. This means that they are giving drivers the option to have their driving monitored via a mobile app in exchange for possible discounts and lower premiums.

One good company that offers this type of app as well as car insurance quotes online is esurance. Check out its “DriveSense” feature, which is free for anyone to use. Those who enroll as a customer can save a lot of money.