In the majority of cases the young driver gets the blunt end of the stick when it comes to insuring their car. The reasoning behind this is the insurers believe that the younger the driver is, then the bigger the risk they pose.

Unfortunately young drivers are generally associated with taking a bigger risk on the road and as such have to pay heavily for the privilege of being insured. However there is some hope for young motorists if they follow this advice.

To start with you should begin your search online for cheaper car insurance. Shopping online allows you to make comparisons with many companies. In the majority of cases you are given quotes immediately which allows you to compare the policy features and benefits from many companies and all from the comfort of your home.

Car insurance quotes take many things into account. One of these is the car you drive. With the majority of younger drivers wanting something flashy, unfortunately they are setting themselves up for being in the highest car insurance bracket. With this being the case you might have to consider going for something less flashy at the expense of your image.

Taking extra lessons such as a safety course or advanced driving lessons can help to save you money on your premiums.

Adding more safety features to your car can go a long way to shaving pounds off your car insurance. This can be simple things such as having the windows etched with your registration number or installing alarms or immobiliser.

Keeping on the right side of the law is essential in keeping your insurance down to the minimum. Only a few years’ driving under your belt will give you no claims bonus and during this time it is essential that you avoid getting tickets and points on your license. All of this will go to prove that you are a sensible driver which essentially lowers the premium you pay.

By looking online for your car insurance you are also able to take advantage of specialist sites that offer cheaper premiums especially for the younger driver. Bear in mind that when shopping around for your insurance that companies do vary in both what they offer in their policy and the price quoted. All policies aren't the same so choosing the one most suitable to you and your needs is essential. Factors to take into account are the age and type of your car. If you have an older car then taking third party might be the better choice, of course if you have a new one then fully comprehensive would be the best option.

When taking out home insurance, many people don’t see the point of paying an extra £15-odd per year for legal expenses cover, mainly for two reasons - they don’t fully understand what it covers and, those that do understand, think that they’ll never need to use it.

However, for people like Miss X - who slipped on a grape while doing her shopping – it can mean the difference between financial ruin and financial recompense.

When Miss X slipped on a grape while doing her weekly shopping at her local supermarket, she didn’t realise how much her life would be affected. However, when x-rays showed a fracture to the left wrist (resulting in surgery and the insertion of wires) she was temporarily unable to work and forced to cancel her long-awaited holiday.

Personal injury claim websites were unable to help Miss X as the injury had not occurred at her workplace nor was as a result of a road traffic accident. With bills mounting and a holiday and gym membership paid for that she was unable to use, Miss X was at a loss what to do.

Then Miss X remembered that she had something called ‘Legal Expenses Cover’ under her home insurance policy. She contacted her insurer who confirmed that they could help her and after undergoing legal action, Miss X was awarded £9,612.58.

Many consumers look for the cheapest premiums possible when it comes to insurance – which isn’t a bad thing. However, this can come at a price. This usually involves removing the additional product benefits that insurers don’t actively promote such as Legal Expenses Cover to reduce the cost of insurance.

While Legal Expenses cover will vary from insurer to insurer, typical benefits will include legal expense costs for:
• Plastic Surgery (negligent surgeons etc)
• Dental Care negligence
• Employment dispute (not contractual breaches)
• Personal Injury cause at work (this is often more effective that an Industry Tribunal as claims lost will cost the client, plus the defendants legal expenses. Legal Expense insurance will cover all these costs whether you lose or win)
• Boarder Disputes and the Personal Injury caused by these disputes (often very complicated and emotional for our clients prior to a solicitor solving the problem)

Remember, many people think that they will never need to use this type of benefit. However, for those people who have needed to take legal action but cannot afford the costs it has helped some way to recompense them for financial losses and pain.

Check your policy or speak to your household insurer to see whether you have this benefit already in place or whether you can add it on to your existing policy.

Driving on public roads in Missouri without car insurance is illegal. The penalties are severe and the cost is prohibitive.

Rather than risk an expensive fine and the possible loss of your vehicle, it is better to spend a little time to compare low cost car insurance in Missouri and find a policy and a rate that you can afford so that you can legally drive here in Missouri.

It’s not really as difficult as you might think, providing you do your homework first.

Start by keeping your driving nose clean, as it were. In other words, do not speed and never, never, never drive drunk or impaired. Not only will the law deal harshly with you, but your car insurance company will jack your insurance rates through the roof and you’ll be paying for your mistake for years to come.

Young drivers and very old drivers pay more for car insurance, but there are ways for you to fight back. If you’re in school stay there and study hard. Getting a “B” average will reduce your car insurance rates with almost any insurance company in Missouri. If you’re over 55 it’s time for you to talk to your car insurance agent and find out if you can enroll in a special driver’s review course. If you pass such a course most car insurance companies in Missouri will reduce your monthly premiums by as much as 10%.

If you currently have homeowner’s insurance, health insurance, medical insurance or long term care insurance make certain that you get your car insurance from the same company – most Missouri car insurance companies will reward you with a rather hefty multi-policy discount.

Have you been with the same car insurance company at least 3 years? Have you been accident-free during all that time? If so, ask if they offer an accident-free discount. Also, if you drive only a few miles a week, check to see if you qualify for a low-mileage discount.

Make sure you really need all the coverage you’re paying for. If your car is old or in bad shape there may be no point in paying for comprehensive coverage. Dropping comprehensive could save you quite a bit of money – the downside, of course, is that if your car is ever damaged you will have to repair it out of your own pocket.

Probably the biggest thing you can do to reduce your cost of car insurance is to increase your deductible. Decide how much you can afford to pay out of your own pocket for any accident you might have and then use that amount as your policy’s deductible. The larger your deductible the smaller your monthly car insurance premium bill.

Now you’re armed with all the information you need to go online and begin comparing car insurance costs in Missouri. There are literally dozens of websites designed to let you quickly and easily compare prices among a whole slew of car insurance companies.

Keep in mind, however, that not one of these websites compares every single insurance company, so if you really and truly want to compare low cost car insurance in Missouri, you’ll need to take the time to enter your info onto at least 3 different websites.

It’s a lot of work – but your payday comes every month in the form of low cost car insurance premiums.

How many people do you think enjoy planning for the day that they will need round-the-clock nursing home care? How many want to think about the time when they won’t be able to bathe themselves, or dress themselves or even feed themselves?

That’s what makes talking about long term care insurance in Missouri so difficult. But difficult or not to think about, the fact remains that according to U.S. Census figures almost one out of every two people in Missouri who reach the age of 65 will need some form of long term care at some time in their life.

And it’s not as if the government will provide long term care. The federal government’s Medicare program effectively provides no long term care protection at all, and the state of Missouri’s Medicaid program, while providing some long term care, requires that a person spend all of his or her assets before they are eligible for assistance. And once they are impoverished the state determines what services will be provided and where and how those services will be provided.

So when should you start looking at long term care insurance? Any time following your 30th birthday, according to experts. There are basically two reasons for looking into long term health care at such an early age. One reason is that your monthly premiums are very low when you are in your 30s and quickly escalate as you get older; locking in low rates just makes good economic sense.

The other reason you might want to consider long term care at such a young age is that according to statistics a surprising number of men and women in their 40s and 50s already need to take advantage of such insurance. The primary reason is accidents – 30 and 40 year-old adults are prone to severe accidents as they continue pursuing activities that came so easily to them in their 20s and 30s.

In addition to locking in low premiums by buying long term care insurance at a young age, what else can you do to help keep the cost of your policy down?

Live a healthy life-style for one thing. It doesn’t take a rocket scientist to figure out that people who smoke and who are overweight are going to have to pay more for long term care insurance than people who don’t.

Also, people who routinely pursue dangerous activities, such as rock climbing, hang gliding, dirt bike riding and so forth may also find themselves facing higher long term care premiums.

Where you receive your care also influences the cost of your long term care insurance. A policy which covers in-home care on a day-basis is going to be far less costly than a policy which covers round-the-clock care in a nursing home.

The total amount of the policy also makes a huge difference in how much it costs. Most policies have a lifetime cap on the amount they will pay for long term health care, or they have a cap on monthly payments.

Don’t neglect to ask for any multi-policy discounts if you also carry other insurance, such as homeowner’s or auto or health, at the same insurance company.

Long term care insurance policies have what is known as an Elimination Period. This is just insurance-speak for a deductible. The longer your Elimination Period – in other words, the longer you will pay for your own long term care before asking your insurance company to start paying – the lower your monthly long term care insurance premiums.

Finally it’s time for you to get online and start comparing policies and prices. Don’t be surprised to find that the same policy for the same person costs considerably less at some insurance companies than it does at others.

Also don’t fall into the trap of thinking you can fill out just one form on one site and you’ll have all the comparisons you need. It would be nice if that were true but it really isn’t. If you truly want to get the best rates on long term care insurance in Missouri you will need to check out at least 3 different websites.

At the end of the day, however, you will know what the best policy for you is and you will know with certainty that you got the best deal possible.