Drive Smart and Save on Your Car Insurance!

June 23, 2010 by  
Filed under Car Insurance

One tip you should follow to be able to get inexpensive car insurance rates is to shop around and compare policies from different insurance companies. Be careful in evaluating each policy because sometimes, rates for the same insurance policy can vary from one insurance company to another. So don’t sign up for an insurance policy because that’s the first one you’ve found or because you know the agent. Better get quotes first from several companies and study their policies carefully to find the lowest rates.

It is also a good decision to purchase your auto insurance from the company where you got your home insurance and other insurance coverage. Majority of insurance companies give a discount for more than one policy you get from them.

Aside from these two tips, you can also do something to save on auto insurance when you are behind your automobile’s wheel. It helps a lot to practice smart driving. This means obeying the laws and rules of the road. You must avoid getting a ticket for running a red light or for speeding as it will cause insurance price hike. Staying away from traffic violations will give you a clean driving record which significantly reduces your auto insurance premiums.

There are also cases when you will be offered to go to a driving school if you commit a traffic violation. This is helpful because taking a driving course considerably reduces points on your license which equals to lower rates on your auto insurance. So if you have traffic ticket, grab the opportunity to take the driving class offered to you.

You should also drive safely to avoid accident. Though there are times when an auto accident is inevitable or is caused by the actions of another driver or pedestrian, sometimes your own hasty actions result in a road mishap. So besides being smart, you should also be a safe driver all the time to lessen your chances of being involved in a road accident. Being accident-free dos help you save bucks on your auto insurance.

Another thing a smart driver does is to ensure his or her ride is outfitted with safety, security, and anti-theft devices. There are cars that already come equipped with such features. Each of these devices has particular discount on your insurance rates.

When purchasing a new vehicle, always consider your car insurance premiums. There are vehicle types and models that usually come with higher insurance price tags. For you to get auto insurance savings, ask first for a tentative auto insurance quote for various types of car and avoid models with very high rates.

The Best Tips To Getting Huge Auto Insurance Savings

June 18, 2010 by  
Filed under Car Insurance Tips

Get savings on your insurance by upping your deductible and maximum coverage. Do not lower your coverage, as it is a dangerous attempt. Not that you are asking for it, but in case you run into a $500,000-damages vehicular accident and you only have the $50,000 liability coverage, you will be shouldering the deficiency. You don’t want that, so the first tip is to keep deductible and maximum coverage high.

Know about the discounts available. There are many ways that consumers can get discounts on their auto insurance. There are the common ways but you might as well want to know that teenage drivers with better grades, good drivers, cars having low mileage, making EFT payments and attending defensive driving courses are some of the great ways to look for when obtaining discounts.

Buy an umbrella policy. This is an insurance type that lets you insure your home complete with its contents and your vehicle under one company. You will discover percentage savings can discount you off your yearly policy unlike when you buy them separately.

Drop the collision coverage. It is recommended if you are driving an older car. What you may be paying for the collision coverage may be more than what you should. Take note that insurance providers only pay for what the automobile is worth and not its total replacement expenses.

Protect credit score. Most people don’t know that having a good credit score has a good impact when buying auto insurance. In this case, it is recommended to work really hard on keeping credit score high and if there’s any error on the report, you must immediately correct them before shopping for auto insurance.

Know how to file an insurance claim. It is probably the most common flaw for the consumers not knowing how claims processes are handled. Learning how you can file a claim and how the provider processes it will give you a better idea if it is a good move for you to trust your car and your money to an insurance company.

Shop and Compare. Shop around, obtain multiple quotes, and then compare them. This is one of the best ways on how you can find an insurance company that can provide the best deal in auto insurance. The internet is an excellent way to obtain quotes from different insurance companies, so open your desktop and browse the internet away.

Save on combine insurance policies. Purchasing multiple products, such as homeowner and auto insurance, from the same company can earn you savings. It is also the same if you combine the premiums on your car and your teen’s.

Compare insurance policies first. You can also get huge auto insurance savings if you compare the costs of insurance policy of the vehicles that you are eyeing. Insurance providers see how much worth the insurance of a car based on safety records, so even if you are eyeing on similar vehicles, they might come with different insurance prices. A car that has lower insurance premium can save you money.

Best Tips For Auto Insurance Savings

June 18, 2010 by  
Filed under Car Insurance Tips

You must know that the auto insurance market is highly competitive so there is a good chance for you to spot one that will truly compensate your needs. Many of these auto insurance providers claim that they are the best among the rest and that they have what it takes to be called number one. Of course, they want to establish a reputation that will place them in the market’s pedestal so they get to offer their clients more choice, promotional schemes, as well as exemplary policy packages. Hence, you should take advantage of these things.

It is important that you look into the various companies that have their portals online. Shop around for quotes from at least five of the online companies and then compare them. Check out the coverage, their pros and cons, and the premium rates. If you want to save on your auto insurance policy, you better not sacrifice the benefits of the coverage for a cheaper price.

Why Get Auto Insurance Online

When you buy a car, you don’t just spend your money on it because it has amazed you but it is because it is a reflection of your own personality. Thus, you need to ensure that your vehicle is secured. One way of ensuring this is by procuring the auto insurance plan that suits your needs. When checking on the quotes, the best place to start with is online. This means you don’t have to go through the agony of visiting the office of the policy provider or wasting your time because doing it online can save much of your time and effort.

A Bit of a Warning

In some small and very inconspicuous ways, there are online companies that get to cheat their clients by means of demanding some fees for the inquiries and quotations. Therefore, you should know how to read between the lines. If you are trying to access the quotes as offered by a company, be certain that you fully look into the conditions before you say yes. You can always place a call to their hotline to validate such claim.

Because of the competitive market these days, many of the auto insurance companies feel that they are on the losing end. Thus, they need to deceive their clients just so they can sell the policy. Take note that the attitude and approach of these auto insurance providers differ from one another. They do employ a variety of promotional marketing however some of them include additional hidden charges which will affect you as the customer in the long run.

Fail Proof Ways To Get Auto Insurance Savings

It pays to shop around. Remember that not all insurance companies are made equal and their auto insurance prices surely vary. Ask for price quotes from different companies for you to discover which of them charge higher or lower. Don’t settle on the company that approaches you first. By shopping around, you’ll be able to see the one that offers the lowest auto insurance quote.

It is also important that you avoid getting a speeding ticket. Why? It is because you’re driving record always matters when it comes to the price of your auto insurance. If you consistently get an over speeding ticket, expect your insurance rates to go up. So if you want to keep your rates low, drive safely and avoid speeding to maintain a good driving record.

While all of us are drooling over certain vehicle model, it isn’t really practical to get the car of your dreams when talking about auto insurance. Even if that sports coupe you’re dreaming of for many years now will be one of the coolest driving machines in town, you must stay away from it if you want to get the lowest possible auto insurance rates. The secret here is to settle on sensible cars or those travel buddies that aren’t on top or aren’t even included in the list of theft or accident reports.

It is also a good idea to avoid filing claims. Some auto insurance companies will not tell you this but once you file a claim on your insurance policy, the more likely your rate will go up. So to avoid high insurance premiums, stay away from filing a claim. Also, if you file claims over and over again, insurance companies will tag you as such and this will result in auto insurance price hikes.

And aside from giving you peace of mind, installing car security devices also gives you lots of savings on your auto insurance premiums. How? Well most insurance companies give discounts for every safety and security device installed in your ride such as automatic safety belts and car alarms.

Some of these devices come standard on several vehicles while most come optional and can be installed in your ride anytime you want to. They are widely available in most auto-part stores online and offline. There are also some sates that give discounts for some vehicle features like window sketching.  So if you really want to see a difference on your insurance rate, equip your vehicle with as many car security add-ons as possible.

Car Insurance Basics

June 18, 2010 by  
Filed under Car Insurance

Car insurance is insurance that drivers can purchase for any kind of vehicle in order to protect against losses sustained in traffic accidents. Different policies will cover different situations and these are explained below.

– Liability Insurance: Liability coverage is the most basic coverage in car insurance policies and is required in most states.  This coverage ensures that if you are the one at fault in an accident, your liability insurance will pay for the physical injury and property damage expenses of any third parties involved. Liability coverage limits are usually conveyed with three numbers.  For example, liability limits of 20/50/10 indicate that there is coverage of $20,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $10,000 in property damage coverage per accident.

– Collision Coverage:  In the case that you are in an accident, collision insurance will pay for the repairs that your vehicle requires.  Collision coverage is usually the most expensive coverage that you will have to pay for.  Insurance companies will declare a vehicle “totaled” or a “write-off” if the replacement would be cheaper than the repairs needed.

– Comprehensive Coverage:  This coverage will pay for any damages to an automobile that were not caused by an accident.  Qualifying damages include damages arising from carjacking, vandalism, natural disasters, and hitting an animal.

– No-Fault Coverage’s:  No fault covers you and anyone else that was in the vehicle at the time of an accident.  It will cover your and your passenger’s medical bills.

– Uninsured and Underinsured Motorists Coverage’s:  UM (Uninsured Motorists) coverage will pay for injuries you have sustained if you are involved in a hit-and-run by a driver who does not have auto insurance, and is mandatory in many states.  UIM (Underinsured Motorists) coverage will pay for you if the driver who hit you creates more damage than their liability insurance can cover.

– Supplemental Coverage’s:  Rental reimbursement is an add-on that will cover rented vehicles in case of damage or theft.  Auto replacement coverage ensures that your automobile will be fully repaired or replaced even if the costs are more than its depreciated value.  Coverage for towing and labor covers you in case of an auto failure on the road where towing is necessary.  This supplemental coverage is usually offered as separate items or included in larger policies.

Buying Car Insurance

June 18, 2010 by  
Filed under Car Insurance Information

Buying Car insurance doesn’t have to be as difficult as some would make you believe and with computers it’s even much easier! Many people don’t have the time to waste calling several different companies out of the phone book, looking for the best deal and the lowest car insurance rates.    If you’re for the best rate, then you know the Internet is your best bet to find the greatest deals.  Not only can you find the best deal, you should be able to compare rates and policies right in the comfort of your own home and even purchase the policy you want right online.

Most car owners feel more comfortable buying car insurance online, it’s a quick and easy process and you won’t have to sit through a long series of automated questions and answers.

The first rule of thumb for getting car insurance quotes online is not to go to car insurance company’s web site; this will limit your quotes and your options.  There are tons of sites out there that allow you to fill out a single questionnaire and then compare quotes side-by-side.  You can look over the rates and coverage of several different companies at once.

Also, buying your insurance policy through an independent agent is better than going through an insurance company.  Independent agents don’t work for any one company but for you, the consumer.  They do all the work of comparing quotes for you, in the end they can usually provide you with a much better deal than what you could find on your own.

Independent agents are offered select deals through car insurance companies, policies and rates that aren’t available to the average person.  You’ll never have to talk to a car insurance company, just send them their monthly or quarterly payment and everyone is happy.  If there is ever a problem, simply contact your insurance agent and they’ll take care of everything. There are no fees involved with using the independent agent all you do is pay your car insurance bill.

Due to laws in most states, car insurance is mandatory and therefore most everyone must have at least the minimum.  This doesn’t mean you can’t shop around and find the best priced policy that will fit your budget.

Getting The Best Auto Insurance Coverage

June 18, 2010 by  
Filed under Car Insurance

Compare Quotes

This is one of the most effective ways to score savings out of your auto insurance. Find as many insurance companies as you can and possibly talk to each to determine which might not only offer the best policy but has a price reasonable enough for you. The more information you ask the more options you will have when comparing each. If you are worried that asking and shopping around can affect your credit, it will not. So, research a lot, shop around, obtain quotes, and then compare.

Ask About Discounts

Every time you researching a new company ask about discounts. Not asking will make you lose savings opportunities. There are many forms of discounts you can score from an insurance company. Some of these are multicar discounts, safe drive discounts, eco-friendly discounts, and bundling services discounts (like ATV, car, and home).

Having security and theft gadgets can also give you discounts. If you belong to the senior citizen group, you might want to inquire about senior discounts as most companies offer a discount. When you are 55 and older, you may score around 10% discount. It will never hurt to ask if discounts are available.

Don’t Speed

One of the biggest things that cause an individual to pay more than what they should for auto insurance is getting tickets. So avoid speeding at all costs. Stay away from traffic tickets and that would mean you are a good, responsible driver, and who knows, a discount from insurance.

Choose the Right Vehicle

Getting a good mid-sized car for your family rather than purchasing that expensive little red sports car may be a more sensible choice to avoid getting high premiums in your insurance. Nevertheless, always check first with the insurance company and what it recommends for lower premiums.

Remember also that insurance policies may vary from state to state. So, the best thing to do is to ask first before signing up. Insurance providers are always happy to recommend great tips to help you on your auto insurance savings. You may want to attend a drivers safety class so you keep away from vehicular dangers, which can shoot up your premiums as you file for a claim.