Auto insurance quote

Are you a young driver crunching under the weight of unbearable auto insurance rates? I have good news for you. Here are seven time-tested tips that will help you save a lot…

1. Buy a car that has a high safety rating and you’ll enjoy cheaper rates. Such cars usually have a lot of safety features like air bags, daytime running lights, etc. The higher a car’s safety rating, the better the rates you’ll get for it.

2. Do your best to NOT make small claims. Yes, handle the small stuff and you’ll keep your rates down. There’s something called a “no claims bonus.” It’s for policy holders who do NOT make a claim for a stipulated minimum length of time. The discounts you can get for this is quite substantial. Why ruin your chances of enjoy this discount with one worthless claim.

3. Use the public transport system whenever possible. Your mileage is a significant factor in deciding your risk to an insurer. The more your mileage, the higher the probability that you’ll make a claim in a short while.

4. Avoid sports cars. It’s already bad enough that young drivers get very high rates. Why would you compound your case by adding to it. Everyone knows that very fast cars result in worse fatalities than others. In the same way, avoid cars that are costly to maintain, cars that have a high theft rate and every car that has a poor safety rating. These will help you keep your rates low.

5. Be on your parents’ policy. But for this to work you’d have to live with them and have your car registered in their name. If this sounds like giving up your independence then pay the higher rates that come with it.

6. Get good grades at school. Insurers maintain that students who consistent maintain excellent grades are more stable and better risks. Therefore, do your utmost to maintain a minimum of B’s as that will get you a good student discount.

7. There are insurers who specialize in underwriting young drivers. Their rates are usually better than the rest. They might give you certain rules to abide with. If you keep them faithfully, you’ll maintain a low rate.

So how do you find them? One easy way is to visit reputable quotes sites. Get and compare quotes from them. And from the results you’ll see them as their rates are usually much lower because they understand you better. But to do this very effectively, you’d have to get such quotes from at least five or more reputable quotes sites.

By: Chimezirim Chinecherem Odimba

Okay! You’ve finally decided to shop around for car insurance and you’re getting ready to go online. How can you make this process as easy and fast as possible, while making sure you’re getting the best value? Use this handy list to help.

Have the following information handy:

__ Drivers license number.

__ Social Security Number. This may not be required at the quoting stage, but some companies request it to give you the most accurate quote.

__ Make, model and year for each vehicle you want covered. The type of vehicle you drive affects the rate you pay.

__ Any safety features on each vehicle, such as Anti-lock Brakes, burglar alarms and air bags. Car insurance companies often give discounts for these features.

__ The average mileage each vehicle is driven per day. Your rate may partially be based on how many miles each vehicle is driven.

__ Your current auto insurance policy. You may want to get quotes based on the coverages you currently have. If you don’t currently have auto insurance, or you need additional coverages for a new driver or new car you’ll need to decide the limits for liability you want, what deductible you want, uninsured motorist and other coverages such as comprehensive or rental car reimbursement.

It’s recommended that you get at least three quotes for comparison. This is because auto insurance rates can vary so much between companies. But to make sure you are getting an accurate comparison, you’ll want to provide the same information about coverages and deductibles to each company. One way to keep track of this is to label three (or more) columns on a sheet of paper for each quote with the coverages and deductible written at the top.

You can get quotes online from individual insurance companies or agents. You can also visit a quote comparison Web site that will allow you to enter your information once and provide several quotes back. These quotes may come direct from the company or from an agent in your area. This is an easy way to manage the quote process.

By: Justin Scott

Car insurance is one thing you can’t afford to be without. It’s not only a legal requirement, but also gives you protection for your automotive investment in case of an accident. Unfortunately, finding car insurance that works for you and fits your budget is not so easy. Perhaps you live in a small town where there are not many choices for auto insurance. Or, maybe the nearest car insurance company is an hour away from your home! Many consumers are choosing more convenient routes today, such as online auto insurance. It’s convenient and often more affordable. Use the tips below to compare quotes and find the right company for you.

Finding Online Car Insurance Companies Before you can compare car insurance quotes, you must know where to look for companies. There are two ways to find and compare quotes. One way is to search online with Google, Yahoo, or other search engines to find individual companies using certain keywords. The types of keywords to consider are your state name, type of insurance you’ll need, and something to indicate that you want a free quote. For example: Arkansas auto insurance free quote – or – Pennsylvania car insurance quote Using specific keywords helps narrow your search so you can compare only those companies within your state.

Another way to compare various offers is to visit a website portal that offers quotes for different companies. An online auto insurance portal enables you to comparison shop quickly without visiting numerous sites. Find a site that offers quotes from many major insurance chains along with several small independent companies so you can do a proper quote comparison. Look at More than the Quote Consider all aspects of the offer – not merely the price quote. Find out what type of coverage is available at that price. Will the quote cover collision and liability for your automobile? How much coverage is available for accidents in which a person is injured or killed? The lowest car insurance quote may only cover the bare necessities, but may not cover other needs that are important to you. Another thing to consider is the type of premium payment methods available with each company. Some companies require you to mail a check.

Some allow you to pay by automatic direct withdrawal from your checking account or a credit card. Some companies provide online payment methods with a secure login account. Still others might want you to call in your payment with a credit card by phone. Also, consider when your due date will fall. Will you pay at the beginning, middle, or end of the month? Will you pay premiums monthly, quarterly, or yearly? Online Auto Insurance Coverage for Other Vehicles If you need insurance coverage for other vehicles, such as motorcycles and boats, you might benefit if the company offers services for each of these. Some companies will combine your payments or even lower your premium for multiple policies. This makes it easier to keep up with your insurance and might save you money. Paying More for Guaranteed Service An online car insurance company that offers lower quotes might not always be the best candidate.

If you pay $200 less per year, but can’t get a claim processed in a prompt manner, it’s probably not worth the savings. But if you pay a little more on the premium to a company that has a proven track record of good customer service, this can save you many headaches in the future. It’s definitely worth the extra expense. Compare Add-On Services You might also benefit if the online car insurance company offers additional services such as mutual fund programs and other investment opportunities. You will have one company handling your insurance and investments, making it easy to keep track of your records. When looking for auto insurance online, consider all the factors and services included in the car insurance quotes being offered. Don’t go for price only, but compare companies and services for what they’re worth. You’ll be happier and have peace of mind when you actually need to take advantage of your car insurance policy.

By: Chris Robertson