Welcome to Susan Blue

welcome to my blog

Hi and welcome, if you haven’t guessed by name by now I’d be shocked. But for the few that somehow haven’t! My name is Susan Blue.

I’m an insurance agent located in New Jersey. I help people find cheap insurance, weather that’s car insurance, life, health or business insurance!

A little about me

  • Mother of two wonderful boys
  • Married happily
  • Born and raised in N.J
  • Love to travel and Ski

What I made this blog?

I wanted to spread as much information about insurance as I could. A lot of people think insurance companies and agents are greedy and just want money. Nothing could be further from the truth. We want to help you! So I made this blog to demystify a lot of bad information I’m seeing out there. Especially when it comes to health and auto insurance.

This is also my personal blog, so expect random blog posts as well. Even some amazing pictures. Never know what you’re going to find here.

Should Students Qualify For The Cheapest Auto Insurance?

First Off, What’s The Cheapest Auto Insurance?

Students, typically, are looking for everything on the cheap. For the most part, they want as much as they can, for as little as they can spend.

And there’s nothing wrong with that. Books are expensive. Tuition fees are expensive. They are just realizing that simply doing human things like eating and staying warm, is expensive. Life in general, expensive. And for students especially, car insurance is very expensive.

The whole time I was studying, high insurance premiums were the bain of my existence. Especially considering I lived in the heart of what appeared to be a village for the over 60’s. And my everyday life was spent trundling along behind a grey head of hair at roughly one-third of the speed limit.

Even with this habitual, borderline dangerous, level of caution, elderly drivers still beat students in the ‘who has the cheapest auto insurance’ stakes.

And then I took a long hard look at myself and my fellow students and wondered why we’re presumed to be so dangerous behind the wheel.

I was by no means a dangerous driver compared with most of my student friends. But did I drive the speed limit? Nope, not unless there were working speed cameras around.

Did I park in safe driveways in quiet residential areas like the majority of my elderly neighbours? No, I parked in a dodgy side street next to a known brothel when I went to work because it was free. And I parked about 20 minutes away from where I lived on another dodgy side street the rest of the time because I didn’t qualify for free university parking.

Was I always alert behind the wheel? Absolutely not. I worked a full-time job. Studied full time, and attempted to have some form of social life. I slept a total of 8 hours a week for the entirety of my degree and mainlined caffeine for survival.

Unfortunately, I have to admit that auto insurance is the one thing that students probably shouldn’t be getting at a rock bottom price. But if you’re looking for the cheapest auto insurance I recommend using this comparison site: whohasthecheapestautoinsurance.com

What is full coverage auto insurance?

full coverage car insurance

I get this question asked a lot: What is full coverage auto insurance?

It’s a good question, since finding out online is more difficult than it should be. Most of the websites you google give you poor answer, so I’ll do my best to fix that!

Full coverage car insurance insurance firstly is a made up term. There is no such thing as full coverage insurance.

While the exact term is made up the meaning is not. “full coverage insurance” is generally insurance the covers are wide variety of things. Usually that means you’re getting the best coverage you can buy; things like extensive health insurance in case of an accident and strong coverage for your car and liabilites.

Basically full coverage insurance is the best insurance you can buy.

So should you buy full coverage car insurance?

NO!

Most people do not require full coverage insurance. Maybe 5% of the clients I deal with I recommend buying full coverage insurance. Whether you buy it or not will depend on many things, so it’s impossible for me to blindly recommend it or tell you that you don’t need it.

Getting cheap full coverage car insurance

I highly recommend you talk with a professional insurance agent to see if this is right for you.

After that you should compare quotes online, on a site like: http://www.autoinsurancemonkey.com/how-to-get-cheap-full-coverage-auto-insurance/

Comparing multiple insurance companies is the easiest way to see who offers the cheapest car insurance.

Full coverage doesn’t have to be that expensive, as long as you do some price shopping. But in the end it’ll still probably end up costing you 20-50% more yearly than regular insurance coverage would. For some people that cost is worth it, but for most it is not.

So talk to an agent and find out if it’s worth it for you!

Hope this article helps, if you have any questions about this please let me know. I would be glad to help.