Sunday, December 21, 2014

Employers getting quotes for auto insurance

The job of being a business owner can quickly become quite a stressful one as they often have a lot on their plate. This stress can be escalated if you own a business where your employees need to drive a company vehicle! Not only do you have to worry about employees getting to their locations in a safe and efficient manner, but you also have to worry yourself with finding the best insurance and auto insurance quotes to keep your employees, and finances, protected.
Not only do you want to choose the best insurance to keep everyone and your wallet safe, but oftentimes having the correct type of insurance is a requirement in certain industries or professions. You will need to research these rules and the laws in your state in order to help you choose the best insurance.
Knowing how a person can find commercial car insurance policies is the key question. The answer depends on what your business does. This means how the car is used - is it just for transportation or is it used to deliver goods? It will also depend on the type of vehicle used. There are many different classifications of commercial car insurance, including the most common type - owner operator insurance. This type of insurance is good for people who are owner operators in the trucking profession, and who provide transport services.
Even if you just use a regular car for work related purposes, such as driving to meetings or transporting clients, you will need to purchase commercial car insurance. If you use a business van instead of a car for transporting goods or people, you will need commercial auto insurance but there is a special type available for business vans.
There is also a separate classification available for vehicles used in construction and contracting professions. This could mean a project manager who is driving their car to a site, or a truck used for moving materials and equipment.
If you drive a semi-truck, pick-up trucks, log haulers, tow trucks, refrigerated trucks, garbage and dump trucks, auto haulers, etc., you will fall into the specialty vehicle category and will need a different type of commercial car insurance.
After you narrow down your needs, you can look online for auto insurance quotes for businesses. Many popular car insurance companies offer commercial policies, and if you look around you are sure to find a great deal at a low price. Commercial car insurance policies are often eligible for discounts just like a personal car insurance policy. Many insurance agencies give discounts since you are insuring multiple vehicles through them, and loyalty discounts often apply as well.
Although price is certainly a concern for most business owners, you should make sure you and your employees are protected with the proper coverage first. Otherwise you could spend a whole lot more in the event of an accident than you would have if you spend a little more on the proper coverage to begin with. Once you find policies that offer the right coverage, simply choose the best deal!

Saturday, December 20, 2014

Purchasing Cheap Auto Insurance is Still Possible with Teenaged Drivers

Having a teenager in the house is an interesting time. They are excited about being able to do new things and growing up. You, on the other hand, are likely anxious about the new things and worried about them getting hurt. Driving is top on this list. Almost every kid gets excited about the day they get to start driving on their own, and about owning their first cars. Parents worry about the expense as well as their kids being on the road.
Not only does a car come with a car payment, gasoline, maintenance, registration, and inspection fees, but you also have to pay for insurance. While the other costs stay more or less the same regardless of age, insurance prices are much more expensive for teenaged drivers. This might seem unfair, but its due to a simple fact - teenagers are the most risky group of drivers to insure. This is for many reasons, but lack of experience is high on the list. Insurance companies make up for this risk by charging more for the policy.
Even though insuring a teenaged driver is more expensive than insuring yourself, there are still things you can do in order to find cheap auto insurance. It might take a little bit of work at the beginning, but you can potentially save a few hundred dollars a year!
First, consider purchasing your car insurance online. When you shop online you have many choices to choose from. Insurance companies know this, and therefore online companies keep their prices low in order to be competitive and lure in customers. Additionally, an online company has fewer expenses than a brick and mortar store, meaning they can charge less and get the same profit. If you search for cheap auto insurance plus your state, you will likely receive hundreds of results to choose from. Simply browse for the coverage you need, and then choose the package with the lowest price! This saves you time and money!
You will want to get at least five quotes, but preferably as many as possible. This way you can get a good understanding of what a low, average, and high quote is, and you have more chances of stumbling across the lowest price available.
Second, try to find as many discounts as you can. When you fill out online quote requests you will likely see the different discounts available for you. However, it is always a good idea to call the insurance company directly in order to make sure you are receiving all available discounts - not every company lists all their discounts online. Teenagers will often qualify for good student discounts, low mileage discounts, commuter discounts, driver education discounts, and multi-car discounts (for the family). Not every company will offer every discount, and eligibility criteria will likely vary, which is another reason why it is good to shop around online and get multiple quotes so you know that you are getting the best deal.
With a little effort you will be on your way to protecting your child on the road and keeping your wallet a little bit thicker!

What Determines My Car Insurance Quotes

Whenever you are gathering car insurance quotes in search of your next policy, you might be shocked at the premium you are paying and how much it can vary. Not only do insurance costs vary from individual to individual, but they also vary for the same individual across companies. You might be wondering how that can be, and why?
An insurance company, despite coverage being a legal requirement, is a business. The more money they spend on claims, the less profit they make. Therefore, insurance companies like to insure customers who are low risks. Customers with higher risk profiles will pay more for their insurance premiums as a way to help offset the risk. This makes sense on the outside, but most people fail to realize risk factors. It's easy to understand why someone with previous car accidents is a high risk, but someone with a poor credit score might not be as obvious.
The factors that determine risk are, for the most part, universal across insurance companies. However, each company performs its own research in order to determine risk factors and how much weight they hold. Therefore, each insurance company will use the same factors, but their own formula, and as such your premiums will vary. Additionally, there are many different insurance discounts available and not all car insurance companies offer the same ones, and sometimes eligibility criteria will be different.
This is why it is a good idea to shop around and find as many car insurance quotes as you can. This gives you a good picture of how much you should expect to pay, or if you are paying too much. It also gives you as many chances as possible to find the best deal and highest discounts. However, on top of comparison shopping, understanding these risk factors in regards to insurance is important, as then you can adjust your life in order to become less of a risk in the eyes of insurance agencies. Here are some of the most common factors that go into determining your premium:
  • Age - typically, teenagers will pay the most for car insurance. Due to their inexperience on the road they are the group most likely to get into an accident.
  • Vehicle - certain cars are statistically more likely to be involved in accidents, serious accidents, and theft or vandalism. Avoiding these cars will save you money on your insurance.
  • Gender - unfortunately, like age, gender cannot be controlled. Nonetheless, men will sometimes pay more for their insurance policies due to the higher likelihood of car accidents.
  • Marital Status - it has been found that married people are less likely to get into accidents when compared to single people. Perhaps they feel a higher sense of responsibility, but there could be many causes.
  • Occupation - certain jobs are associated with less risk, as well as belonging to certain organizations. Teachers and veterans usually qualify for a discount.
  • Credit History - people with poor credit have been found to be a higher insurance risk. Although not immediately fixable, you can improve your credit over time.

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Wednesday, November 5, 2014

Insurance Options for the Hard Drivers

It can be so frustrating to shop for car insurance if you are considered high risk. In fact, you may even wonder what that means if you have never been in an accident or filed a claim. How do they know you are a high risk? What makes you more likely to get in an accident than someone else? As discouraging as it may be, you can find cheap auto insurance even if you are a higher risk by following a few simple tips.
What is High Risk?
Insurance companies determine how much of a risk you are by several factors. Some of them are things you cannot change while others are qualities you can work on improving. These companies take data provided to them that state that people in a particular category had more accidents than the drivers in another category.
Here are some examples of common qualities that make you a higher risk:
  • Age - under 25
  • Gender - male, especially under 25 is considered a high risk
  • Marital status - if you are single, you are considered a higher risk
  • Credit history - if you have a poor credit history, you are considered a higher risk
  • Previous traffic violations - if you have disobeyed the traffic laws and gotten a traffic violation, you are considered a high risk
  • Previous claims - a history of filed claims indicates a high risk
Where you live can also put you at a higher risk level, especially if you have to drive a long distance to work.
There's not much you can do about your age or gender and you are limited in your marital status. However, you can work on improving your credit history and driving record while trying to avoid other claims to lower your level of risk.
How Yoг Can Get Affordable Auto Insurance
Often, a high-risk driver will be quoted higher rates than someone that is considered a lower risk. You can find a policy that's more affordable while you work on improving your level of risk.
  • Shop around, looking for providers that specialize in high risk drivers. While they may not be as cheap as if you had a perfect record, they will give you a better deal than other providers. If you have a really bad driving record, they may be the only ones to insure you at all.
  • Get added to someone else's policy. Teens often have cheaper insurance if they are added onto their parents' policy than if they get their own. Another option is to be added to a spouse's policy.
  • Change your deductibles or coverage. Don't reduce your liability coverage, but consider altering other coverage to make it more affordable.
Even if you have to pay a high price now, work on improving your risk. Take safe driver classes, improve your credit history and avoid more traffic violations. Before your current policy expires, shop around to find out if you can get a better deal.
Getting cheap auto insurance if you are a high-risk driver isn't easy, but you can find something affordable. Take the time to discover your options and know that you won't always be a high risk.

Car Insurance Quotes for People Who do not Own a Vehicle

Most people know that it is a legal requirement to carry insurance if you are the driver of a vehicle. However, you might be unaware that you also need insurance for a car that is never driven, or even worse - sometimes it is a good idea to carry insurance even if you don't have a vehicle at all!
A non-owner auto insurance policy is a good choice for people without vehicles but who choose to drive other cars. These cars could be borrowed from friends, family, your place of employment, or a rental company.
If you only borrow a car once a year, this coverage might not be the best deal for you. However many people frequently rent cars for business, borrow cars, or use city-wide car borrowing services on a daily or monthly basis. There are many benefits that can come along with this type of coverage if you are one of these people.
The most obvious benefit is your peace of mind in that you know you are protected on the road. Even the most diligent of drivers is at risk for various car related damages, so having insurance is always a good back up plan so you do not end up paying out of pocket.
Secondly, if you have a gap in coverage, many insurance companies will raise your rate the next time you apply for insurance. Keeping a non-owner policy eliminates the gap that would have been caused by going without insurance, saving you money in the future.
Having car insurance can sometimes increase your ability to get a job. Many jobs require proof of insurance for various reasons, and this type of policy will have you covered.
Finally, this type of policy is much cheaper than a full coverage auto insurance policy. You can find car insurance quotes online for non-owners in much the same way you do for a typical car owner policy. These quotes will vary across policies and there will be various discounts available for you to look into.
There are some disadvantages to this type of policy. First, it does not offer collision coverage. This means you will not be protected to damages to your vehicle if you are involved in an accident. This type of coverage also will not cover work vehicles or vehicles owned by you.
If you are interested in this type of policy, you will need to research insurance companies that offer this type of policy. You can compare car insurance quotes in order to find the best deal. Online companies oftentimes have better deals than local, because there is more competition online and less overhead for the companies.
You should always try to get the highest amount of coverage possible for the lowest price. If you make price your first priority, you could walk away with no useful coverage. Paying attention to coverage first and then price allows you to get the best bang for you buck.

Choosing the Right Car for Cheap Car Insurance

When people look at cars to buy, they often focus on the design. They become infatuated with the fancy rear spoiler, the pointed front end, the dazzling taillights, or they may be impressed with the luxurious seats, the spaciousness, the advanced technology... but they seldom think about the insurance until they call their agent and announce they have a new car.
Sticker Shock
You hear about sticker shock when you see the price of something you want to buy, but sticker shock can also apply to the price of insurance for a car you just bought. You didn't realize that sporty new vehicle sitting in your driveway was going to set you back an extra hundred dollars a month besides the auto loan.
While many people have the idea that all new cars are more expensive because of the new parts, or less expensive because they are safer, neither statement is true. You can't lump "all cars" in one category. Some new cars will actually be less expensive to insure than the used one you had. Other new cars will be more expensive because of specialty parts or the likelihood of theft.
If you want to avoid sticker shock on your new car when it comes to insurance, find out the price before you buy. Look for cars that offer cheap car insurance to help you save money. These vehicles are usually rated well for safety and include the latest features, including:
  • Airbags
  • Antilock brakes
  • Rear backup camera
  • Forward collision warning
  • Electronic stability control
  • Brake assist
  • SOS post-crash alert
Some of these features are standard in all new models while others are extras.
If you decide to purchase a much older car, you should know that it may not have even some of these basic safety features. Many insurance companies won't even cover you and those that do could have extremely high rates.
What to Consider
The first thing to look at when buying a car is what types of safety features are included. While not all safety features have been proven to reduce the likelihood of an accident, many insurance companies like to see as many on the vehicle as possible.
Consider how the vehicle has scored in crash tests. The severity of damage to the vehicle will impact your rates. To get cheap car insurance, the vehicle should hold up well in these tests. This means that there will be less damage to be repaired, but more importantly, the injuries of the driver and passengers will be less severe.
Don't forget to check if your preferred make and model is on the list of the Most Wanted - vehicles, that is. A car that is considered a hot ticket for thieves may have steeper insurance premiums, especially if you live in an area that has high theft statistics.
The time to think about cheap car insurance is before you buy a vehicle, not after. This ensures that you get the lowest rates possible. And if you really love that hot red sports car, at least you know should realize it's going to cost you - and keep costing you every mon

Thursday, September 4, 2014

How to Find Both Reputable and Top Notch Cheap Auto Insurance Providers

When shopping around for cheap auto insurance, finding a great insurance company is almost as important as finding the perfect policy. If your car insurance company has poor customer service, takes a long time to fill claims, or doesn't uphold their end up the contract, you could become very inconvenienced! Even worse, you could end up spending money that you shouldn't have to spend in order to get your life back on track after an accident.
Therefore, it makes sense to spend a little bit of time finding a car insurance company that is worth purchasing a policy from. Detailed below are a few steps to make the search of reputable car insurance providers easier.
First, you will need to evaluate your situation. What types of insurance coverage do you need, and how much? Is there anything in your driving history that will interfere with getting insurance? Is there any reason why you would need to pay more for insurance? Understanding your situation will help you when it comes time to look up car insurance quotes. You will have a better understanding of what you need, and of what prices and discounts are fair. This will help you safeguard against paying too much for your car insurance.
There are also some situations that will require special considerations. If you own a classic car or motorcycle you will need to look at specialty insurance companies. If you are a student, own more than one car, have your own business, or are insuring a teenager, there are plans and discounts specifically for you that you will want to look in to. Knowing this in advance will help you to only look at the insurance companies offering these programs.
Next, put together a list of insurance companies! You can do a search for cheap auto insurance plus that state you live in and get quite a few hits for websites. Look for companies that offer their customers rewards and incentives for good driving. Also look for one that provides you with flexibility when it comes to choosing insurance coverage. The more options a company offers, the more chances you have of getting a policy that is customized specifically to your needs, and therefore you will only be paying for what you need.
Your final step is to narrow down your list of potential insurance companies even more. Do this by looking up customer reviews and complaints. You can check message forums, the Better Business Bureau, review websites, and by asking your family and friends. Although some complaints are likely to be expected with any major company, you want the majority of comments to be positive experiences. You also want to check things such as when their customer service department is available, how quickly they process claims, and how much of this can be done online (if that is important to you). Make sure to do a search for the insurance company name plus key words such as "rip off" or "scam". You want to avoid these cheap auto insurance companies!
Now you should have a list of high quality insurance companies to choose your next policy from!

Tuesday, September 2, 2014

Using steps to find quotes for car insurance online

For you and others on the road car insurance can provide a number of benefits. Car insurance is what gets your life back on track if you are involved in an accident. Instead of figuring out a way to pay for all of the medical bills, property damage, and loss wages that are consequences of an accident, insurance allows you to focus on getting back to normal by taking care of the financial side. Additionally, in many states if you cause an accident, you are responsible for the other person's damages as well - this can quickly get expensive!
Most people, however, can get annoyed with having to pay monthly premiums that can sometimes be expensive as they do not regularly (or ever) use their car insurance. However, you can save money on your car insurance through one simple method - comparison-shopping with free car insurance quotes.
There are hundreds of places online where you can find car insurance quotes. A car insurance quote is simply an estimate of what you will pay, and for what type of coverage, through a specific car insurance company. They are free and no obligation. This means you can compare coverage and cost across multiple insurance companies before you decide on a policy to go with. In order to get the best results from your search, follow these five car insurance quote steps:
  1. When you do a search for car insurance quotes, you will likely get thousands of hits. You need to narrow down your search to legitimate companies that do business in your area, and that have good reviews. The more companies you can find the better, but aim for at least five.
  2. Make sure you are being truthful when you fill out the necessary information to request a car insurance quote. You might be tempted to leave out or change information in order to save more money, but if you are an accident this could lead to your claim being rejected - no matter how small the lie was. Additionally, if they find out before an accident, they will adjust your premium anyways. A quote is only useful if it is accurate.
  3. Sometimes when request a quote you will have to input contact information that a sales agent will use to contact you about a policy. Do not let this sales person pressure you into a policy that you do not want, that is too expensive, or that does not meet your needs. It is usually not necessary to speak to a sales representative, as most companies now offer the option to purchase and manage your policy completely online.
  4. After you have received your quotes, make sure you are comparing the same coverage - not only the low price. You could find a policy with a very low price, but if it does not meet your coverage needs it is a waste of money. Narrow down the two or three best quotes and then research the insurance companies to make sure they have positive reviews.
  5. Make a decision and purchase your policy! Remember, your life and car insurance rates will change constantly so you should always shop around each year before automatically renewing your policy.

What Tips Can Help You Find the Most Inexpensive Car Insurance?

When shopping for car insurance, it is best to pick the optimum car insurance quotes in terms of coverage and price. This way you save more money each month. Since you will have to pay for car insurance for as long as you own a vehicle, any savings can add up to hundreds or thousands of dollars over a lifetime!
The most general way to save money on your policy is through the use of free insurance quotes . If you find as many as you can, you have multiple chances to find the best policy, with the best coverage, at the lowest price. These quotes are free, no obligation, and easy to find. However, there are some other things you can do as well to save even more:
Consider purchasing multiple policies at a single agency. If you have multiple insurance policies, such as renter's, home, life, medical, or any other types, consider shopping for all of them (or as many as you can) through one insurance agency. Insurance companies often offer up to 10% off such a bulk purchase.
Make sure you are only purchasing what is necessary. There are many different types of coverage and benefits offered by car insurance companies. Although each type is useful in certain situations, not everyone needs every kind of coverage. Depending on your car and lifestyle, you might be able to drop certain types of coverage and save big by doing so.
Increase your deductible. Your deductible is the amount of money you are responsible for paying if you need to submit a claim. By increasing it, you are allowing the insurance company to pay less, and therefore you receive a discount on your premium. This discount can sometimes be up to 30%! Make sure your deductible is not too high that you would be unable to pay it if you are in an accident.
Keep your driving record clean. Safe drivers, and those without a history of claims, save money on car insurance. This is because safe drivers are less of a risk for an insurance company to insure. Some companies even decrease your premium each year you remain accident and claim free. For small insignificant claims, consider just paying out of pocket and leaving the insurance company out of it.
Do not put excess miles onto your vehicle. By following simple statistics and probability, the less you are on the road, the less likely you are to get into an accident. Therefore drivers who keep low mileages each year typically qualify for "low mileage" discounts. Some companies even provide tracking devices to see how many miles you drive each year, as well as other data, which is then used to lower your rate accordingly.
Purchase a safe vehicle. By purchasing a sensible, economy vehicle you can save big on your insurance premium. Certain cars are statistically more likely to be involved in an accident, involved in fatal accidents, are more expensive to repair or replace, or are targeted for theft or vandalism. By avoiding these vehicles, you are less of a risk for your insurance company, and therefore you will save money.

Getting auto insurance quotes that are the lowest

The shopper must know what insurance type they require, how to maximize the discounts and most importantly, they need to shop around if they want to obtain the lowest auto insurance quotes possible. With a variety of options and features available to shoppers, knowing which ones are worth the money and which ones are unnecessary is an easy first step in obtaining the lowest price. Read through each option carefully and only chose the ones you require, many online providers commonly offer a multitude of extras for additional fees. Only selecting the basics will help guarantee money is not wasted on features that are not crucial to insuring the vehicle.
The type of coverage they require is the most important factor to consider when trying to avoid overpaying for an insurance plan. The two most common types of insurance are full coverage and liability, each with different price points. Full coverage is a comprehensive plan that covers every aspect of a wreck even when it is the insured drivers fault and often come with a higher monthly deductible. Full coverage plans are common for a driver who uses their vehicle frequently; full coverage is also often required on new or valuable cars. The general higher cost for full coverage can dissuade many shoppers, increasing the importance of maximizing any possible discounts available and obtaining quotes from various companies.
Liability insurance plans are cheaper and only cover damage done to another vehicle by the insured driver. Since the plan does not cover damage to the insured drivers' property, the monthly premium is lower. This is a popular option for drivers who drive seldom and have a lower risk of getting in a car accident. Many discounts are also available to drivers who do not commute often and can be bundled with a low cost liability plan. Other popular discounts obtainable through most insurance companies are for safe driving history and security systems. Protected garages and other ways a vehicle is safely stored and protected can reduce the cost of insurance since the risk of theft through a break in is mitigated while a clean driving history reduces the risk of a car accident.
To find out which discounts are available through the different providers in your area, it is essential to shop around and get multiple auto insurance quotes to locate the best deals. It only takes a few moments to get an accurate quote from a reputable provider to make the whole experience easy and less stressful. With an hour or two worth of time an individual shopper can obtain a dozen or more quotes on a variety of different plans from multiple sources. With the convenience of obtaining a quote in today's fast paced society, it is crucial to take advantage of the easy shopping tools to make it the best experience it can be.

Monday, September 1, 2014

Auto insurance and tips for lowering it

When it comes to getting the best rates for auto insurance that you can get you may think you already have them. It is likely that you assume that you are doomed to pay the high price for your mistakes as you have previous claims, a bad driving record or other issues. Or you may have shopped around when you found your current policy and picked the best deal. However, that doesn't mean you can't lower your auto insurance costs now.
Understand that Prices Change
Just because you got the best deal when you took out your policy, it doesn't mean it is still the best deal today. It is a good idea to comparison shop every so often, at least once a year. This lets you know if a new competitor has come into the market or a well-known company has lowered its rates to be more competitive. If you are looking for the best deal, it pays to shop around on a regular basis.
Look for Specialty Companies
Some companies choose to specialize for customers with challenges in their past. Whether it is a bad driving record or poor credit, some companies will offer you a better rate. Look for these providers before you settle on a policy.
Look for Discounts
Ask your current insurance agent if there is anything you can do to lower your premiums. They may suggest a driver safety course or adding some features that will make your car safer. Also, let them know any time you change jobs or move because those variables can reduce your price, too.
Change Your Deductible
Look at raising your deductible to lower your premiums. This is one of the biggest helps for getting cheap auto insurance. If you have a minor accident, you may also want to consider paying for it out-of-pocket instead of submitting a claim. While this won't lower your current rates, it will prevent them from going up in the future once a claim is made.
Plan Ahead
If you will be moving to a new city, find out your rates ahead of time. You may find one insurance company is cheaper in an area but not in another one. You may also discover that you can save money by just moving a few miles to a different location. The additional commute may be worth the savings.
Also, plan ahead when you are going to buy your next vehicle. Some cars are cheaper to insure than others. If you are looking for cheap auto insurance, find out which cars will reduce your rates. Generally, it is the ones that have the best rating for accidents.
Each step you take can help reduce the cost of an insurance policy. When you add up all of the steps, you may discover that you have a cheap auto insurance policy. Don't forget to shop around to find the best rates for your vehicle and where you live.

The benefits of using free quotes for car insurance when getting your next policy

Paying too much for car insurance is something that most people want to avoid. Not only does this take away from your monthly income, but it also likely means you are paying for coverage you don't need - which is simply a waste of money. Fortunately, there are many ways to save money on your car insurance, including taking advantage of multiple discounts that are available. Finding the various free car insurance quotes that are available online is the best way to save money when looking for car insurance.
There are many benefits to shopping online for free car insurance quotes. Fortunately, this process is very easy. Gone are the days of contacting multiple insurance companies individually by phone or driving across town to get to the insurance agencies. You can simply log on to the Internet and you will have instant access to hundreds of different companies in order to find quotes. You can even input your information once and then receive lots of quotes from different companies at the same time with some websites! What this means is that you can save both time and money by shopping online for car insurance quotes.
Not only are car insurance quotes convenient, but they also help save you money. Back in the day when people had to physically go and sign up for car insurance, they did not have the benefit of online competition. There might have only been one or a few insurance companies to choose from in their town. Online, however, you have hundreds of options. Insurance companies know this and therefore they reduce their prices in order to be competitive and to attract customers. Additionally, having an online business is less expensive than a brick and mortar business, meaning their overall expenses are lower and they can lower their prices. In addition to low base prices, these companies often have special deals or discounts - again to be competitive and attract business. In order to get the best deals, try to find as many quotes as possible with the minimum being five.
Finally, insurance quotes make it easier for you to make a good decision on your insurance policy. They allow you to quickly and easily compare policies without committing to purchase. You can find and gather quotes, and then see at a glance what each company is offering you and at what price. This means you can find the best coverage that fits your needs, and then see which company will offer it at the lowest price. Finally, you can see which discounts and additional benefit programs are available.
Many people get stuck in trying to find the lowest price and ignoring what is provided. You can find very cheap plans, but if the company has poor customer service or if the coverage is lacking, then it is a waste of money. You will always want to first find what you need and only look at policies that meet these needs. After your needs are met you can start to look at price. Make sure to pay attention to discounts, and it is always a good idea to call the company directly in order to make sure you are getting all discounts that are available. If you are not eligible for a certain discount, it is often possible to adjust your life in order to become eligible in the future.
The first time you use free car insurance quotes to search for a policy it might take some time to find the best deal. However, eventually you will know exactly what you are doing and it can easily take less than 10 minutes to find the best policy available! Putting some work and research in can save you hundreds of dollars each year. As always, make sure to compare quotes with each renewal to make sure you are still getting the best policy.

Cheap Auto Insurance Might be Necessary Even if You Do Not Own a Car

Most people know that you need to buy car insurance whenever you own a vehicle. Not only is it a legal requirement, it also keeps you safe on the road.
What you might not know is that in some cases, it is good to purchase a special type of cheap auto insurance for non-car owners. Here are some guidelines to determine if this type of policy is good for you.
Are car insurance policies necessary if I do not own a car?
If you operate a vehicle - even if it is not yours - you might need to have an insurance policy in order to protect yourself and the owner of the vehicle. People who live in cities where public transportation is available and cheap oftentimes choose to go without a vehicle. They might pass on a car in order to save money, protect the environment, or just because they find owning a car bothersome. However, even if you have a great public transportation system, there might be times when you might wish to have a vehicle to use. This could lead to renting or borrowing a car multiple times a year. If this describes you, it might be best for you to purchase an affordable non-owner insurance policy. These policies are a type of cheap auto insurance that will keep you protected in rented or borrowed vehicles. These policies not only protect you on the road, but oftentimes can save you money as well.
How much does it cost to purchase a non-owner car insurance policy?
How much you pay for a non-owner car insurance policy will be determined by where you live, the coverage you need, and how many drivers you wish to insure. However, these policies are typically much cheaper than cheap auto insurance policies for car owners. In fact, these policies will often times only run you a couple hundred dollars a year.
When do non-owners need an insurance policy?
The most obvious time that people will need a non-owner insurance policy is when they frequently rent vehicles often. This could be because you travel, either for business or leisure, or because you do not have your own car but still need a car for some reason. Whenever you rent a car, they will offer you the opportunity to purchase rental insurance. However, this insurance is often times costly, and if you rent cars often, it is more cost-efficient to purchase your own policy.
Many credit cards offer a certain amount of coverage to rental cars as long as you purchase a rental car using the credit card. Most of the time, credit cards only cover liability, so if you would like more extensive coverage it is still best to purchase your own policy. Liability insurance is what is legally required to drive in most states.
Another time that non-owners would need their own insurance policy is if they frequently borrow a car. You could borrow a car at family functions, or maybe it's just your spouse's vehicle. Whatever the case, if you frequently find yourself behind the wheel of a car that you do not own, it is in your best interest - both financially and for personal safety- to have your own insurance policy.

Sunday, August 31, 2014

Finding auto insurance that is cheap is difficult, but not impossible if you have a DUI

If you have gotten a DUI, it might be difficult for you to find cheap auto insurance. Not only do you have to worry about your driving history affecting your premiums, but sometimes if you're driving history is bad enough you won't even be able to find a car insurance company that will accept you as a customer. You may be able to find cheap auto insurance with a little bit of effort, however, even if you have received one or more DUIs, or you are a high-risk driver for other reasons.
Having adequate car insurance is a legal requirement if you are going to operate a vehicle. This can make things difficult if you find yourself unable to locate a car insurance company that will accept you. For this reason, most states have their own car insurance programs that they set aside for the use of high-risk drivers. Although this might seem like the easiest option, it is likely a lot more expensive than your other options. It will be necessary to look at private options before going to the state if you want to save money and find cheap auto insurance.
When looking at private options, there are some companies that specialize in high risk drivers. Whichever companies you choose, your best bet is finding as many car insurance quotes that you can as this will provide you with the most opportunities to find cheap auto insurance.
Whenever you have a DUI and you are looking for cheap insurance you need to keep in mind that your rate is still going to be higher than the average rate. This means that you need to look at all of your options and find a cheap quote for you, and not compare it to your friends' and family's quotes, or what you used to pay for insurance. Here are some more tips that you can try to find cheap auto insurance if you are a high risk driver:
  • Discounts. Most, if not all, car insurance companies will offer some type of discount. Comparison-shopping is important here because you will want to find the car insurance company that will offer you the most discounts. With a DUI, you might not be eligible for many discounts, but some - such as a good student discount, safety and security features discount, age discount, and others should still be available.
  • Another way of saving money is by being a member of certain organizations, credit unions, or alumni groups. Certain groups might be affiliated with certain insurance companies, and certain groups may give discounts on different services. If you would like to research this option, you will need to contact insurance companies directly or speak with your organization.
  • One last way to save money is through the use of low mileage discounts. This discount is given when you stay under a certain amount of mileage each year. The amount of miles allowed depends on the insurance company and what you agree to, but the bottom line is the less time you spend on the road, the less chances you have of getting into an accident.

How do Claims Work? Understanding Cheap Car Insurance

Whenever you are involved in an accident, there are many bills that need to be paid. The medical bills and property damage bills for you and the other vehicle can easily end up costing hundreds of thousands of dollars. Long-term rehab and loss of work can potentially create monetary problems for years to come. This is why people purchase car insurance. Car insurance - even cheap car insurance - will help you pay these bills if you are involved in an accident. Whenever you request one of these types of payments, you are submitting a claim.
Insurance companies are in the business of making a profit, just like any other business. The more claims submitted, the less profit there is to be made. Therefore insurance companies like to insure people who are "low risk" and the least likely to be involved in an auto accident. Higher risk drivers will have to pay more for their policies, whereas low risk drivers get to benefit from the best cheap car insurance.
This knowledge makes some people suspicious about the insurance business, and how they go about handling claims. When you submit a claim, your insurance company will work with an insurance claim adjuster. This adjuster can be employed through your insurance company or through an independent company. The adjuster will come out and access the damages that resulted from the accident and come up with an estimate on how much it should cost to fix said damages. This means the insurance adjuster will likely be contacting mechanics and body shops in order to figure out how much parts and labor should cost.
When you get into an accident, one of your first calls should be to the insurance company. Some people put this phone call off because they are worried about the increase in their premium. However, an insurance adjuster needs to be sent out as soon as possible in order to correctly assess the damage. If too much time has passed the insurance company might not accept that the damage was caused by the accident in question. This means you could get stuck paying to repair some of the damage yourself.
Sometimes the total amount of damages will cost more to fix than the car is worth, and in these situations, your vehicle is "written off." Then the insurance company will pay you the book value for your vehicle, which may be more or less than what you believe your vehicle is worth, and might not be enough to get you into a new vehicle. Some companies allow you to purchase an extra option that states that if your car is totaled within two years of purchase, you will receive the original purchase price rather than the book value.
Although nobody likes an increase in premiums, the whole reason you purchase cheap car insurance is to have your bills paid if you are in an accident! Submitting a timely claim is important so that you can get back on the road and back to your life.

The best resource for saving money on quotes for car insurance is the internet

The Internet has become one of the most popular ways to kill time for many people. You can check up on family and friends, play games, read the news, watch movies, and even gamble! However, the Internet is also a good tool to use to take care of personal business. Many people use the Internet to shop, buy groceries, and pay bills. The Internet is convenient indeed, but it can also save you money. One of the best ways to save money on your insurance policy is to use the web to search for cheap auto insurance quotes.
Whenever you search for car insurance quotes, you will likely receive thousands of hits. This can certainly seem overwhelming, and may cause many people to either decide to purchase their policy offline, or just go with the first website they find. It is important to know how to narrow down your results and choose the best company. Knowing how to find a good company can help you avoid the problem of scam websites which is also important as there are many of them online.
Fortunately, finding good car insurance companies is much easier now that the Internet exists. There might be more options to choose from, but you have access to a lot more information. In the past, you simply had to talk to an agent to get a feel for the company. Nowadays, you can look around their website - which will likely have answers to any questions you have - and you can also look up reviews and experiences from other customers. You will need to do both of these things in order to find a good company. Only choose companies that are popular with a good reputation, and have proven time and time ago to be reliable.
When you've found five to ten companies that have good customer reviews, you can visit their websites in order to find their quotes. Car insurance quotes are a free, no obligation way to find out how much a specific insurance company is going to charge you, and for what type of insurance coverage. You can use these quotes to compare insurance across companies and find the best price for the most insurance coverage. In order to get a quote you will need to provide some basic information such as your name, address, and the type of car you drive. After you are done and press submit, you should get a quote within seconds. Avoid companies that charge for quotes.
It is important to compare coverage first, and then premium. There are plenty of cheap insurance policies out there, but they are a waste of money if they do not provide you with adequate coverage. Once you've found a policy, you can purchase it online. The biggest car insurance companies will let you do just about everything online - pay bills, change coverage, add or remove vehicles or drivers, and even submit and check on claims. The convenience of the Internet is sure to save you time, money oncar insurance!

Saturday, August 30, 2014

Looking at auto insurance quotes for any type of driver

Depending on the type of driver you are, your car insurance quotes can range in price - sometimes varying by hundreds of dollars. Knowing what to expect when shopping for an individual car insurance plan can save you frustration and stress when trying to make a decision. Before beginning the process of shopping for various quotes, it is important to have a few documents readily available to assist in the selection. An adequate driving record and history of citations, along with a general history of how you use the vehicle to be insured should be on hand. These documents will help generate a more accurate quote and portrait of your particular driving style.
Drivers with a history of accident free driving and minor to no moving violations can obtain many safe driver discounts while similar discounts exist for drivers who do not operate their vehicle frequently. Safe drivers are required to have documentation to support their claim on hand when obtaining auto insurance quotes so it is important to keep the documentation close by. The same is true for drivers who drive less frequently, an accurate timeline of any mileage accrued on the vehicle should be available to obtain the best possible rate for the minimal driving style. While discounts are more common for less driven vehicles, other options are available for higher mileage vehicles.
To alleviate the costs of high rate insurance plans that are attributed to a vehicles frequent use there are business plans and work vehicle coverage options that are cheaper plans. These work plans can be liability based plans, where the insurance company pays for any damage, to another party's property, which the insured driver is liable for. This type of coverage keeps the high rates generated by the frequent use mitigated, with more manageable monthly premiums. To qualify for a business vehicle plan, it is important to be able to show how the vehicle is used for work purposes. Different business plans are available through different insurance companies, so as always it is important to obtain different quotes to achieve the best deal possible.
By maintaining a safe driving history those drivers that build up high mileage but do not use their car for work purposes can also obtain lower insurance quotes. Full coverage plans are more expensive but are more comprehensive and better protects the driver's property and finances if an accident is to occur. With a highly trafficked vehicle, the risk for an accident is greater and therefore the monthly premium is naturally higher. However, with the increased risk comes the increased benefit of having full coverage, making it a popular option amongst frequent drivers.
Understanding where you fit in these categories of drivers can help you shop for the best discounts, tailor coverage to your needs, and find a car insurance policy that is right for your lifestyle.

Teens' Parents, Go Through These Car Insurance Basics and Saving Tips

Car insurance quotes are rising every day for many people, and can be a frustrating bill to pay each month when there are not necessarily any benefits to see. However, thousands of people are involved in car accidents every year, and you run the risk of getting into an accident each time you drive your car. Teenaged drivers are especially at risk for accidents, and it is imperative that your teenager driver carries adequate insurance coverage in order to be protected.
Since teenaged drivers are statistically the most likely group to be involved in an accident, they are, unfortunately, the most expensive group to insure. Many people dread the day they will have to add their teenager to their policy for this reason. Fortunately, there are a few things you can do in order to lower the cost so your young driver can be protected without breaking the bank.
Make Sure All Discounts Are Accounted to your Car Insurance Quotes
One of the easiest ways to save money each month is by finding car insurance discounts. If you search for car insurance quotes online, most companies will automatically factor in any discounts you are eligible for. However, if you know what discounts are available beforehand, you can see if there are any areas you can work on in order to make yourself qualify. Additionally, some insurance companies do not advertise all (or even any) of their discounts online, so it is always a good idea to give the company a call after you get a quote to make sure all discounts are accounted for. Some examples of teen specific discounts include good driver discounts, good student discounts, low mileage discounts, and living away from home (for school) discounts. Sometimes students can even get a discount for being a part of certain organizations such as fraternities. As a family, having all of your cars insured at one company can get you a "multi-car" discount, as well as combining other types of insurance for a "multi-policy" discount (health, life, renters, etc).
Type of Vehicle
In the same way that teenagers are statistically the most likely to get into an accident, certain cars are also statistically higher risk. You should take this fact into account when purchasing a vehicle for your young driver. The make, model, age, and features of the car will make a difference in the final insurance premium. Sports cars and cars that are often stolen are going to be the most expensive to insure. Typically older/used cars will have lower premiums, but having up to date safety and security equipment can also save you money. Your best bet is to get a quote for the car you wish to buy before you buy it so you can make sure it is a reasonable price to insure.
Education
Finally, taking a driver's education class is a great way to help your teenager be a safer driver and save money on your insurance policy. These classes often earn you a discount that could be as high as 15%. Not all classes count, and not all insurance companies accept them, so it is best to check with your insurance company before enrolling - although they are still a good idea for young drivers regardless of insurance savings.

Tips for Finding Cheap Car Insurance After an Accident

Unfortunately car accidents can happen to the best of drivers, any time and anywhere. Not only do you have to deal with medical bills, car repairs, and the mental trauma of an accident, but many people are also concerned about what will happen to their car insurance rates. Fortunately there are some things you can do in order to keep cheap car insurance after a wreck.
First, it is important to understand that there is not a set increase for premiums after an accident. If and how much your rate will increase is determined by a Humber of things such as the laws of the state you live in, the severity of the accident, whether it was your fault, how much the insurance claim is, if you got a ticket, the type of violation, and whether the accident was automatically reported to auto insurance companies. Average insurance increases after an accident are about $300. The more accidents you've been involved in, the higher your insurance premium will likely become.
Nowadays many insurance companies offer "accident forgiveness" policies. If you are enrolled in this type of plan, you might not see a premium increase if you are involved in a minor accident. Some allow you one accident, some do a certain amount each year, and some base it on how many years you've been accident free. You will need to contact your insurance company to find out if they offer this program and what the specifics are. These programs will not help you after the fact, but are a good preventative strategy.
After you've had an accident the best way to get cheap car insurance is by proving you are a safe driver. You can do this buy taking driver's education courses and by avoiding any other accidents or traffic violations. Some insurance companies offer up to 15% off for the completion of a driver's education class, but again you will need to contact your insurance company for specifics.
To save the most money make sure you are getting any discounts you are eligible for and try to make lifestyle changes in order to qualify for more. Common discounts include those for good credit, safe and secure vehicles, age, doing well in school, staying under a certain amount of miles per year, parking in a garage, and living in a rural area.
Finally, if you cannot get cheap car insurance with your current provider, shop around. Insurance rates vary across companies - sometimes by hundreds of dollars. The more car insurance quotes you find the higher your chances of finding cheap car insurance.
After everything a person goes through in an accident it can be upsetting to have to worry about car insurance. Over time, if you maintain a safe driving record, your premiums will start going down again. Hopefully in the meantime these tips will help you save money.

Tuesday, July 8, 2014

Using Company Ratings to Find Cheap Car Insurance

In the past, it wasn't easy to find out ratings for auto insurance companies. Since the invention of the Internet, it has become incredibly easy for people to not only find official company ratings, but also ratings from previous and current customers. This is a good thing for customers, and you can use these ratings to your advantage when you are shopping or cheap car insurance.
If you do a simple search for "cheap car insurance" you will get thousands upon thousands of results. If you do a search for a specific company, you will still likely find a ton of information. It is impossible to sift through this information yourself, and it can seem overwhelming to even begin. You also have to worry about websites that contain fraudulent information. Therefore, you need an easy way to figure out what web sources are reliable, and what cheap car insurance companies are worth your time.
There are two big companies that rate car insurance companies, and come out with ratings each year - A.M. Best and Co., and J.D. Powers and Associates. These companies look at factors such as customer service, pricing, coverage, and how easy it is to submit a claim. This information is free and is very useful in finding great cheap car insurance. You can use these guides as well as recommendations from family and friends and online reviews from customers in order to decide which companies will work best for you.
After you've put together a list of insurance companies that have high ratings, it is time to narrow down your choices even more. It is tempting to just make a selection based on price, but this is not the most important factor. The most important thing to look at is coverage. You need to have enough coverage to drive legally and to protect you in the case of an accident. Once you've figured out how much and what types of coverage you need, you can then get quotes that adhere to these guidelines. Once your quotes are offering you the same product, then you can compare based on price.
Many people find a good deal on car insurance and then stick with that company for years. This can be a good idea - sometimes that company remains the cheapest and you can sometimes get loyalty discounts. However, it is important to reevaluate your insurance each time it comes up for renewal. This is important to make sure you are still getting the best deal on cheap car insurance. You might end up staying with your company anyways, but at least you know your options.
Once you've figured out how to use insurance rating guides, finding cheap car insurance is a breeze. Stop wasting valuable time trying to figure out what makes a company good, and instead go with the easy to find information that is already available to you!

Cheaper Car Insurance Can Come with Discounts

A primary reason to use car insurance quotes to buy coverage is your ability to learn about discounts each company offers drivers. When you get quotes, applicable discounts should be indicated. You can identify the insurer that offers the most and the best discounts that will allow you to save significant money on your annual premiums.

The Most Popular Discounts

Although insurers try to offer one or two unique discounts to attract customers, the majority offer common discounts on policies. These similarities actually make it easier to compare offers. When you get quotes, you should expect to see the following discounts applied to your premiums as long as you qualify:
  • Early Signing - switching providers before your existing policy lapses will save you 10% on your new policy. Insurers use this discount to attract you to their company. Several will even help you make the switch at no additional cost.
  • Safe Driver - safety is so important to insurers they are willing to reward you for being a safe driver. When you maintain a clean driving record, you can get 50% off your annual premiums. You may be able to get this discount each year you have no accidents.
  • Vehicle Safety Features - being a safe driver is only part of the equation. You also need to drive a safe vehicle that has anti-lock brakes, airbags, and a theft-prevention alarm system to realize the 50% reduction on rates. Vehicles with GPS and tracking systems are preferred.
  • Good Student - young drivers need to take advantage of every opportunity to save money on insurance. High school and college students can get a 20% reduction on their policy if they maintain good grades, typically defined as a "B" average.
  • Multiple Policies - as another type of customer loyalty discount, you can save 10% when you purchase all of your insurance from one company. Not all companies sell life insurance so you may need to search until you find an insurer in your state that offers car, home, and life insurance policies to get the most from this discount.
When you use our site to get car insurance quotes, you will only get offers from insurers in your state. You can then visit their websites to learn more about the specific discounts they offer to make sure you have received all you are qualified to get. Talk to a company representative if you still have questions.

Additional Discounts

You may be able to qualify for additional discounts if you live in a safe neighborhood, park your vehicle in a garage, or drive a hybrid vehicle. Drivers who spend less time on the road qualify for low mileage discounts from insurers that offer them. Ask about discounts after you review car insurance quotes from insurers. You may be able to get additional reductions by asking about specific discounts listed on the insurer's website.
Using car insurance quotes to find a cheaper policy is the easiest way to save money on quality coverage. You can quickly determine which insurance company has the greatest discounts. And it only takes a few moments of your time to review offers!

How much auto coverage should I buy?

The answer to this question starts with your state's mandatory insurance laws. All but one state has set minimum requirements as a precondition of you driving on the public roads. No matter whether this is an at-fault or a no-fault state, you are expected to be able to pay a minimum amount towards the cost of making good the losses flowing from an accident. It's possible this minimum amount may be enough cover.
The most common form of law applied to traffic accidents is negligence. It identifies the driver who is the most immediate cause of the damage and orders him or her to pay damages. It's quite expensive to start a court case and fees are payable at each procedural step on the way to a judgment. Because of these costs, it's uneconomic to sue someone who has no assets, no savings, and no pay worth garnishing. If you do not have assets to protect, there is less pressure to buy more than the minimum liability coverage. You may, however, think it worth protecting the value of your own vehicle. But if you have assets and those injured in an accident might think it worth suing you, you should definitely buy more than the minimum cover. At the very least, you should buy enough to protect the value of the assets you already have. The more pessimistic you are about the risk of a claim, the more liability cover you should buy.
To keep the cost as low as possible, you need to think about the amount of the deductible you agree to autory. The idea is for you to pay for all the smaller repairs to your own vehicle out of your own pocket. That gives the best value for money if you are really unlucky and cause a great deal of loss and damage. Cheap auto insurance is all about balancing risks against what you can afford. The higher your net worth, the greater the need for a high amount of liability cover. So look honestly at your financial situation and decide how much you are at risk of losing should there be a claim. A deductible of, say, $1,000 may give you more affordable annual premium rates. Remember the auto insurance policy will not pay out until you have paid up the amount of the deductible. So always ensure you have access to enough money to cover the deductible. Follow these simple tips and you should find the right level of cover for your cheap auto insurance.

Thursday, July 3, 2014

Cheap auto insurance and car type

There are many factors involved in the final price we're charged with by the insurance company for having our cars insured. Things like place of residence, age, sex and even credit rating all have their weight in the amount of money we have to pay for insurance. But it would be strange if the car we're trying to insure didn't have an effect on rates as well. Each car make and model is analyzed according to a broad set of parameters and classified by insurance providers in different risk groups. In many cases the risk rating can differ from one car model to another even if their price and features are similar. However, there are also general tendencies for broader car groups to be more or less likely to get cheap auto insurance. And it's very useful to know of these traits and take them into account before you purchase a car, rather than trying to neglect the effects after the purchase. So that's where different car types stand according to their insurance classification:
Small cars
Small cars have become very popular fairly recently due to the increasing traffic intensity in cities. A small car is very convenient from many points of view, since it has a very good gas mileage and is easy to park or store in a crowded place. However, getting cheap auto insurance with a small city car isn't as simple as it may look because they aren't very safe in case of an accident. Due to the small size and mass such cars tend to take a lot of damage and respectively cause serious injuries to the people inside of it. That's why it's common to get average or above the average rates for such cars.
Medium sized cars and family vehicles
Average sedans, wagons, hatchbacks and minivans - the type of cars you mostly see on the road - usually represent the optimal balance of safety, performance and insurance risk. They are large and safe enough to protect people from serious injuries and are often owned by people who statistically file less claims, which means that getting cheap car insurance is more likely namely with this type of cars. However, keep in mind that the risk rating can vary significantly from model to model, and there are many cars of this type that are as expensive to insure as a luxury vehicle.
Large SUVs, trucks and vans
Large cars are usually very comfortable, stable and safe because of their large mass. So it would be natural to assume that they are affordable in terms of insurance. But that's not so. Large cars, while being safe for the people inside it, usually deliver a lot of damage to cars and infrastructure in case of collision, so the liability costs are higher with SUVs, trucks and vans. That's why you'll have to shop around a lot to find cheap auto insurance for such a vehicle.
Performance and sports vehicles
Muscle and sports cars are all about power and speed, and are usually purchased by people who are determined to use this power. Needless to say, insurers aren't very fond of such cars because they receive too many claims associated with them. That's why if you love driving really fast or having an excess of horse power under the hood, make sure you have the money to insure your beast as it will definitely cost you a lot of money.
Luxury cars
Most people assume that expensive vehicles are expensive to insure as well. However, there are factors influencing the cost of insurance other than the price. High-class vehicles usually have advanced safety features and are driven carefully, so they don't end up in too many accidents. On the other hand, the repair costs associated with such vehicles are usually high. So getting cheap auto insurance isn't all that hard with a luxury car depending on the model. But is it really that necessary when you can afford a $100k+ auto?
Classics and collectibles
Classic and retro vehicles have become rather popular lately with numerous enthusiasts and auto clubs restoring vehicles that are sometimes 70-100 years old. Needless to say, such vehicles fall into a category of their own, because they are no longer produced and have a significant collectible value, which is hard to assess through standard methods. That's why such cars usually require specialized or even individual policies that typically come at a fairly high price.

Tuesday, July 1, 2014

When buying auto insurance you can make a big saving

Don't hesitate to shop around when you are looking for car insurance. Prices can vary based on what you need. If you want to save big, here are some tips to help you get started.
Get Multiple Quotes
People often think that multiple quotes mean two or three and pick the best of the group. They assume that all insurance providers are basically the same. However, this is not true and you can find variances by several hundreds of dollars if you take the time to look.
Use a comparison site to allow them to find you the best rates. They shop numerous companies and bring you back many quotes based on your location. This can save you more time while still not limiting your search. You never know when a company that you might overlook could be the best deal.
Ask for Discounts
Once you have obtained your multiple quotes, you can begin talking to the agents. Ask them if there are any other discounts that you can get to reduce the price even further. You never know when one discount could make a policy cheaper even though it wasn't as low in price to begin with.
Also ask about combining policies. You can often find that it is cheaper to move all of your insurance business to the same company. Companies often give you discounts to have all of your business. However, you also don't want to limit your choices because you already have coverage for your home or other policies in place.
Find Special Policies
If you are a driver with multiple claims and driving violations don't immediately assume that everyone is going to charge the same amount. Some companies specialize in this type of driver and can offer better rates. You may also find that one company is cheaper on a higher deductible but higher in price for low deductibles. It is best to play around with the quotes to try different scenarios.
Know Your Budget
Know what you're budget is and don't exceed it before you even start to look for cheap auto insurance. To stay within your budget you can adjust your deductibles and coverage. You can adjust your coverage and deductible to stay within that budget. Also, try to save back more money for the deductible and move it up in your policy. This will often lower your rates and save you money. You don't want to have a high deductible unless you have the money saved because you can find yourself in trouble if you should have an accident.
Review Your Policy
Once you have a policy in place, review it at least once a year to make sure it is still the best policy for you. Insurance prices change and you might find a new provider now offers a better rate than your current provider. Your renewal time is a good time for re-evaluation to make sure you are still getting the best deal on auto insurance.

Quotes for car insurance and what can affect them

One of the first things anyone should learn about car insurance is the set of the most important factors affecting car insurance quotes. Sure, by using common sense you can guess these factors on your own and base your decisions on what you think is right. However, the insurance industry doesn't always correspond to the common sense employed by most customers as there are particular rules that let insurers determine the risks and set the costs. So it's better to do a bit of homework before shopping for car insurance because it will save you a lot of time, nerve and help you to make more adequate decisions when comparing car insurance quotes. These are the primary factors that will affect your quotes with all insurance providers:
Coverage amount
It's obvious that the amount of coverage you choose with your policy as well as the types of coverage selected will directly affect your rates. So the more coverage you choose the more expensive the policy becomes. However, the $1000 per dollar of premium relation can differ a lot between providers, so you can never guess how exactly a slight change in the coverage will affect your final rates. That's why it's highly recommended comparing as many car insurance quotes as possible while tweaking the coverage amounts and options in order to see how exactly changes in coverage will affect your rates.
Driver profile
Comprising of a whole range of factors that all describe the driver trying to insure the car, this is a rather generalized definition. Fact is that your age, sex, marital status, education, employment and, and of course, driving record will all affect the quotes you get to a different degree. For example, drivers younger than 25 always get the highest rates, while women tend to get cheaper insurance than men. These are all demographic factors used by insurance companies with the goal of predicting possible risks associated with different demographic groups, and you can't do much about it but comply.
Place of residence
The place of residence, or the place of license plate registration to be more precise is one particular factor associated with the driver that needs to be outlined. Depending on the state your average car insurance quotes may differ a lot, because there are differences in requirements, regulation and business activity. Moreover, living in a small town or a large city within the same state will also deliver different quotes, as densely populated areas with heavy traffic always get higher quotes.
Vehicle
The most obvious factor is the vehicle you are trying to drive. But to much surprise, it doesn't have such a pronounced weight as one would expect. The car type, make and model will contribute a great deal to the quotes you'll get from the insurance company, however the other factors will also have a pronounced effect on the car insurance rates you'll be charged with. Still, there are general rules for different car types: sports cars, SUVs and luxury vehicles tend to cost more to insure, while safer family vehicles offer the best bargain.
Other factors
Different providers may employ other factors when calculating quotes for you. For example, some insurers use credit rating to determine the risk associated with every prospective client. Fortunately, the weight of these factors is usually minor, so they won't spoil the general picture much. Yet again, it may sometimes be useful to learn if the provider you're quoting with has any special factors used when calculating rates.

Wednesday, June 4, 2014

Finding the Cheapest Auto Insurance: the Tips

You may not realize all the things you can do to get cheapest auto insurance. You've probably heard about some of the big things such as shopping around or choosing a higher deductible, but there are small changes you can make that can have a big payoff as well.
Consider Your Age
While you can't change your age, you can make sure it is listed accurately on your policy and find out if there are any discounts because of it. Drivers who reach the age of 25 often see a decrease in the premiums even on their current policy. Plus, if you shop around after you reach that age, policies that were expensive before may save you extra money now.
There are also discounts for reaching retirement age. This happens because a person who doesn't drive to work every day will probably be less likely to be in heavy traffic and get in an accident. Once you retire, you can find out if your policy will be cheaper if you ask your agent.
Get Rewarded for Loyalty
If you have been with your insurance company for a long time, find out if they offer loyalty discounts. While not every insurance company does, some do and it is worth your time to find out. If you are shopping for a new company, you might ask about this benefit before you select a provider.
Consider Where You Park
Vandalism and theft are major causes of claims and the numbers are rising. Vehicles that are left out in the open are more susceptible. If you have a garage or carport, you might be able to get a discount on your insurance. If you happen to use your garage for storage instead of your car, it might be worth cleaning it out to save money and get the cheapest car insurance you can.
Look at Affiliations
Sometimes you can get discounts based on membership with a program. For instance, AAA members get many auto-related discounts. Car insurance companies may reduce your premium if you have an affiliation with a company or group they partner with. Don't hesitate to mention your affiliations to find out about discounts. This is not a discount mentioned by many agents. Consider your college or job as well as any other groups you belong to.
Pay Premiums in Full
Instead of choosing the monthly payment plan, pay your premium when it comes due. You can often get a reduced rate because the company doesn't have to process monthly payments or send out reminders and statements. The discount may be small but it can add up.
When trying to find the cheapest car insurance, don't just stop with the most obvious discounts. Look for other ways to save and don't be afraid to ask about additional rate reductions. The amount you save can make it worth the extra work.

Saturday, May 31, 2014

Using Car Insurance Quotes The Right Way

It's not fun to spend time looking for affordable car insurance. While getting quotes can speed up the process, you still need to know what to with the quotes after you get them. If the cost is your main criteria, you risk buying a policy that does not provide sufficient financial protection for you and your family. That's why you should consider the following information when you use car insurance quotes to find a policy that meets your coverage and financial needs.
Factors Affecting Your Rates
There is a multitude of factors insurance companies use when calculating the rates. Here are the most important ones:
Age - anyone who's too young or too old is considered to be the highest risk for insurers so these drivers end up paying more for coverage.
Sex - male drivers are more risky while driving and get ticketed more often so their rates are higher than female drivers.
Driving record - a clean driving record always results in significant discounts for drivers older than 25 but younger than 65.
Vehicle - the model of your car will also affect your rates significantly depending on repair costs, safety and theft rates.
Marital status - single people pay more for insurance because insurers believe married drivers take fewer risks when driving.
Credit score - financially responsible car owners get better rates than drivers with low credit scores or poor credit histories.
These are the most important factors, but there are even more variables at play. You may be able to find out which factors a particular insurer uses by asking them. However, asking insurance agents may be not the best source of information. They simply enter information into the program and rates are calculated automatically.
Things To Consider
With a general understanding of how rates are calculated, you are ready to begin comparing car insurance quotes. There are several aspects of the quotes you need to consider to find the best deal:
Final Price - rates are only a portion of the total picture. There are extra fees and deductibles to consider as well. If everything is comparable, choose the policy with lower deductibles so you have less money you will be required to pay out of your own pocket.
Coverage Extent - as long as the type of coverage is the same, review the maximum coverage included in each quote and choose the policy with higher policy limits.
Things Not Included - knowing what a policy does not cover is just as important as what it does. If a particular policy has more exclusions than the other but comes at the same cost, it's obvious that you need to choose the one with more coverage included.
Your budget should always be the main context for reviewing car insurance quotes. The main goal is to find a policy that offers good coverage at a reasonable rate. Stop looking for the cheapest policy unless that is all your budget will allow. Remember, you can get car insurance quotes any time you want to make changes to your coverage, get a new one, or switch providers.

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Thursday, May 29, 2014

Car insurance quotes as influence by vehicle type

There is a multitude of factors both direct and indirect that affect car insurance quotes are. Such variables as age, sex, marital status, driving record and place of residence will have a strong influence on the average level of quotes a driver will get when quoting. But it would be wrong to forget the role of the car itself in the process, since it's the very thing that is being insured.
There's a certain tendency for different car types to get quotes within a specific range due to the combination of factors intrinsic for the actual type. And it's crucial to understand the impact of different car types in terms of insurance and understand why they tend to garner car insurance quotes within a certain range:
Entry level
Entry level compact cars are usually the most convenient when it comes to driving around in a city with heavy traffic. Besides, they are very cheap and fuel efficient due to the small engine volume. But their size and the usual practice of fitting them with minimum safety features make such vehicles rather dangerous during accidents, causing a great deal of damage and injury to people inside of the car. As a result many entry level vehicles can get very hefty car insurance quotes due to their inferior passenger safety.
Medium class
Common medium class vehicles usually carry more advanced safety features while being very cost effective. Thanks to the larger size and mass they can withstand a serious impact with less damage and injuries. That's why such cars are regarded as optimal in terms of insurance costs. But there's also a huge variety of models in this popular vehicle class you can get a very serious fluctuation in car insurance quotes depending on the exact car you're trying to insure.
Large vehicles
Trucks, vans and SUVs are one of the safest car types you can buy. Their size and mass makes such vehicles safer for the people inside in case of a crash. But when you look at the liability costs their increased size is actually doing them a very bad favor - such cars tend to cause more damage to other cars and infrastructure. That is the reason why large cars usually cost more to insure since insurers have to deal with more expensive liability payouts associated with such cars.
Executive class
Executive class vehicles may look like ordinary sedans but they are a totally different breed when it comes to actual performance. These more expensive cars usually carry top-notch safety features while their performance during crush tests is at least higher than average. Yet again, they may require very expensive repair parts, which may push their insurance costs quote high. Still, if you shop around, such cars can actually deliver very affordable car insurance quotes.
Luxury vehicles
While luxurious cars can be rather safe and secure, the use of exclusive materials and very expensive repair costs make them a rather expensive type in terms of insurance. But this is certainly the type of car that makes insurance costs irrelevant.
Performance class
Most men dream about sports and muscle cars but they can turn into a nightmare when it comes to insuring them. Because such vehicles are made for power and speed they are traditionally driven in an aggressive manner. And insurance companies don't like aggressive driving at all. That is why you will usually get rather expensive car insurance quotes when trying to insure a fast and powerful vehicle.
Retro vehicles
Retro vehicles usually prove to be very expensive to insure due to several reasons. The scarcity of repair parts, which are no longer manufactured, and limited access to competent repair specialists means that such cars are rather costly to insure. But who ever said that classic cars are cheap in the first place?

Uder-Based Coverage and Auto Insurance Quotes

The majority of customers see the traditional approach to insurance pricing using auto insurance quotes as rather redundant. The principle based on indirect variables for assessing the risk of getting a claim can sure be unnerving for many customers who are bound to deal with more expensive insurance just because their income is not high enough, they are single or live in the wrong neighborhood.
And the question is if there are any alternatives to the traditional auto insurance quotes or we are all forced to comply with this redundant pricing policy employed by insurance company. Fortunately, there is one - pay-as-you-drive coverage.
The principles
The essence behind this type of insurance is quite simple really and has been around for many years. First, the insurance company requires you to install a small device that tracks down your driving performance. Insurers stress out that they deliberately exclude the GPS tracking feature so the actual location of the car cannot be tracked. Then they gather a lot of data from your car - vehicle usage, distance driven, acceleration and deceleration patterns, speed charts and so on. After analyzing all this information the insurer has a very clear and almost real-time picture of how risky the driver actually is without using any indirect factors such as credit rating, age or marital status. This little device shows exactly how good of a driver someone is, and if they are good enough they usually receive a substantial discount off their basic premium.
The cons
Eventually, user-based coverage seems like a more democratic and objective variation of insurance pricing. It's more flexible and advanced than traditional auto insurance quotes as it gives a very clear picture of your driving abilities and habits. However, that's actually where the main drawback may be nested for some drivers. Naturally, most of us are good drivers in the sense that we don't break traffic rules on a daily basis and aren't very aggressive on the road. But if you drive aggressively and you don't care about rules getting such a device would certainly be a bad idea since the insurer will learn how exactly you tend to drive and will charge you with a very hefty premium if he finds it unsatisfactory.
And there's also the question of privacy, which seems to be a sensitive topic these days. Carrying a monitoring device in your car, even if it is claimed to lack a GPS targeting function, can make just anyone paranoid. That's the reason why the big insurers actually have a limited time period for their user-based policies - making clients drive under constant monitoring can make them nervous.
The conclusion
The final conclusion on pay-as-you-drive coverage is quite simple: if you can get it and consider yourself to be a decent driver then get it. It is one of the simplest ways to save on auto insurance these days and can be more effective then comparing auto insurance quotes.
Nevertheless, if you don't pay too much attention to traffic rules, going with this option may actually be a bad choice since it will drive your premiums up and the insurer will know of your risky behavior since then. However, it's never too late to learn how to drive properly and safely, and this monitoring device may actually be a very effective impulse for making the effort.