10 Ways To Lower Your Auto Insurance
 by: Pete Lance

Nowadays, auto insurance is really expensive. A typical insurance policy can cost a few hundred dollars to a few thousand dollars a year. And the insurance rates you pay are hugely dependent on the insurance company or agent, your age, your car type, your driving record, and even the area you reside in!

You should never go without auto insurance though, despite the costs. Almost all the states require you to protect yourself with a minimum amount of liability coverage. Naturally, the bare minimum is not adequate enough for the average car owner. And as you add in additional coverage for your car, you realize that you will be paying a fairly large sum annually.

So, understanding auto insurance can actually help you to decide on a suitable insurance policy that won’t vacuum clean your wallet! Here, we have gathered 10 of the best tips for lowering your auto insurance, by as much as 40%!

Always compare insurance policies. There are states which regulate auto insurance rates, but the insurance premiums can vary by hundreds of dollars for the exact same coverage. It is definitely worthwhile to shop around. The first thing you can do is to check with your state insurance department. They often provide information about the coverage you need, as well as sample rates from the biggest companies. You can also ask your friends or look up the yellow pages. Checking consumer guides and asking insurance agents can pay off as well. You can easily find out the price range for your insurance policy, as well as discover the lowest prices in town.

However, you should not be shopping based on price along. The insurance company should provide good service at the best price. Excellent personal service is available as well, and they provide added conveniences, although they cost a fair bit more. Ask the company how you can lower your costs, and also check their financial ratings. The rule of thumb is always to get three price quotes from three different companies, and pick the one with the best value.

It can also be a good idea to increase your deductibles. When you file a claim, the deductible is the amount you pay before the insurance company pays for the rest of the damage. A higher deductible on collision and comprehensive coverage can lead to a much lower premium. For example, increasing your deductible from $200 to $400 can reduce your premiums by up to 25%. However, you must ensure that you have the financial resources to handle the largest deductible when the time comes.

Remove certain types of coverage from your policy. Almost all the states require liability coverage for your car, but the rest of the coverage is probably dispensable. However, you do not want to be underinsured if you’re in an accident, so it isn’t advisable to remove all of your additional coverage. Optional coverage includes medical payments, uninsured motorist, collision, and comprehensive coverage.

Drop collision and comprehensive coverage for older cars. If you drive an older car that’s worth less than $2,000, it’s probably more cost-effective to drop collision and comprehensive coverage since you’ll probably pay more for the coverage than you’ll collect for a claim. You can find out the worth of your car by asking auto dealers and banks.

Make sure your credit report looks good. Car insurance companies often look at your credit history as there is a correlation between the risk to the company and your credit history. If you pay your bills on time and maintain a good credit history, you can enjoy lower insurance rates.

Drive less. Insurance companies often offer low-mileage discounts to motorists who drive less than a predetermined number of miles each year. You can use public transportation more often, car-pool with friends, and take the train or a plane instead of driving to another state. And you’ll save on more than your coverage as you’ll need to spend less on gasoline (of which prices are incredibly high).

Maintain a clean driving record. The company will give you a price break and you can save on your insurance policy after a specified period of a clean driving record. This means that you have no accidents, no serious driving violations etc, during this period of time. The simplest and surefire way to qualify for this discount is to drive carefully and defensively all the time.

Choose a low-profile car. Insurance rates vary among difference models of vehicles. Generally, sports cars and high-performance cars tend to cost more to insure, mainly because they represent more risk of theft and the drivers are often the people who drive more recklessly. Newer cars will cost more to repair or replace than older ones, so naturally they can more to insure. Low-risk vehicles include station wagons and sedans.

Ask about safety and security discounts. The insurance companies sometimes offer discounts on your insurance if your car is equipped with the following: anti-lock brakes, air bags, automatic seat belts, car alarms, tracking systems. These reduce the injury risk to you, as well as the chances of your car being vandalized or stolen.

Finally, ask about other discounts. You may receive a discount if you buy more than one type of insurance from the same company or if you insure multiple cars under the same policy or company. You may also receive discounts for taking a defensive driving course, staying with the same company for a few years, being a driver over 50, good-student discounts, and being an AAA member. If you already have adequate health insurance, you can also eliminate paying for duplicate medical coverage, thus lowering your personal injury protection costs by a substantial amount.

About The Author

Pete Lance is the founder of http://www.USGasTracker.org, a premier company which helps the consumer save money on gasoline. Thousands of gas stations across the nation are tracked daily to guarantee the lowest prices on gasoline for any zip code in the United States.

petelance1@yahoo.com

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How To Change Auto Insurance Companies
 by: Matt McWilliams

Changing Auto Insurance Companies May be Easier Than you Think!

There are many reasons why you may choose to change your auto insurance coverage to another company. Perhaps you’ve found another company that offers you the same amount of coverage for considerably less money. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you’re unhappy with the service that your present company provides. With the growth of the internet and quote comparison sites, investigating your options has never been easier!

Why change to a new Auto insurance carrier?

You need to regularly review your auto insurance coverage to make sure that you are receiving the best insurance value for your money. You will discover that it pays to shop around. In some states, premiums for identical policies vary widely among different auto insurance companies. The reasons for this price variation can be very complicated, but they boil down to a company’s claims experience with policyholders in a coverage group (e.g. people of similar age, number of accidents, type of vehicle). For example, if a large number of people in a coverage group files claims during a given year, their rates will likely rise. When this happens, better discounts and lower overall premiums may be available at other insurance companies. When you decide to switch your auto insurance to another company, you’ll find that it’s fairly easy to do so.

How to cancel your old Auto Insurance policy

Generally, all you need to do to cancel your auto insurance policy is to inform your insurance company in writing, specifying the date you want the policy canceled. In some states, the new agent must notify the previous agent of the policy change. Some auto insurance companies ask the policyholder send back the actual printed policy. The insurance company will send a cancellation request form that will need to be signed and returned. Examine the form carefully to make sure that all information regarding the policy is correct. If the form is not received within two weeks of sending the letter, call the agent or company immediately to check on the status of the cancellation. Don’t just walk away from the old policy without formally canceling it. Each state requires that auto Insurance policies be cancelled with notice, thus the insurance company might assume one wished to continue the coverage, and it might eventually terminate the policy for failure to pay premiums and report the lack of coverage to the state Department of Motor Vehicles. This can hurt your credit rating and ability to get a new policy.

Be sure to get a new Auto Insurance policy first

Always have a new policy in place before canceling the old auto insurance coverage. Otherwise you might have a gap in protection for a day or more! Most states require all drivers to carry a minimum level of auto insurance and most insurance companies require policyholders to present proof of new coverage before they will cancel an active policy. The new company will be able to time the beginning of the new policy to coincide with the cancellation of the prior coverage.

When to Change Auto Insurance policies

At Renewal

Renewal is a convenient time to change auto insurance policies, as you don’t have to wait for a refund from your current carrier. A renewal notice will be sent to you approximately 30 days before a new policy begins, depending on the regulations in your state. Should you decide to switch companies, you’ll need to have a new policy by the time the current policy renews. Though a company might say there is 10-30 days to get your payment in before a policy terminates, you do not have coverage until the carrier receives the payment. If you have an accident during this time period you most likely will have no coverage since the premium wasn’t paid!

Anytime:

All Auto insurance policies contain a provision allowing you to cancel your policy with proper notice at any time. In a few states auto insurance companies “short rate” the policy that means one pays a penalty for canceling before the policy renews. Most insurance companies pro-rate their policies so there is no penalty. The advantage of switching before the renewal date can save you a lot of money. For example if you have a policy that runs from Jan 15th to Aug 15th and you have an accident or ticket that will be over 36 months on March 15th. By switching Auto insurance companies on March 16th, you get a discount for having a clean driving record. Your current carrier won’t apply this discount until the policy renews on August 15th! This can save you Hundreds of dollars immediately!

How long does it take to change Auto insurance?

When you change auto insurance companies, the new agent or insurer can generally change carriers while you wait! Generally they’ll just need a copy of your current declaration page, driver’s license and down payment to get the policy issued.

So why not get started today and Get Free Auto Insurance Quotes from Top Companies?

About The Author

Matt McWilliams is one of the co-founders of HometownQuotes.Com, an online insurance quotes web site. He is originally from Pinebluff, NC and attended Middle Tennessee State University. He is considered an expert in the field of online insurance shopping and finding new ways to help consumers save money on their insurance. For more information visit http://www.hometownquotes.com.

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Auto Insurance Rating – How To Find The Best Auto Insurance Rating

There are many web sites that will help you find the best auto insurance rating that you may qualify for. It can be difficult to get excited about shopping for an auto insurance policy, but the payoff can make it worthwhile. Recently we went online and asked for a car insurance quote from three of the big companies. There was an eight hundred dollar difference in price from the highest quote to the lowest.

An eight hundred dollar difference is quite a substantial sum of money. Especially considering filling out the form on the multiple quote web site we visited took less than thirty minutes. That amount of money may make shopping for auto insurance much more exciting than you thought it could be.

There are no secrets to finding out how the auto insurance rating system works. Some companies have a much stronger bottom line than their competitors so they can afford to offer a lower price on the car insurance policy you need. Other companies can offer you a lower quote because they put more importance on some of your information than others.

For instance say company X sees that you got a speeding ticket five years ago. They may put a lot of emphasis on that and charge you a higher rate for your vehicle insurance. Another company may see that same speeding ticket, but see that you have never had another traffic violation. They may be inclined to give you a break on your one speeding ticket. This is what accounts for the difference in auto insurance quotes.

The one thing you can be sure of is that different companies will have different auto insurance rating systems in place. This is why shopping online for auto insurance will save you money. You can compare quotes in minutes and save yourself hundreds of dollars in the process.

By: David Ackland

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Albert

Amarillo Texas

When you turn on your tv and you see car insurance commercials, it always seem so easy to get auto insurance policy online. Well, it is. All you have to do is search, click, and buy.

If you are still confused, do not worry. I can help you by following the five easy steps and you will be ready in a few minutes. This will help you get auto insurance policy online the easy way.

• Get your documents ready before you start shopping for car insurance policy online. This will make it easier for you to place your information quickly to various auto insurance company online. Thus, you get your quotes faster. There are also comparison websites that allows you to compare various reputable car insurance companies by just filing out you information once. Its easier and faster. Most of all, its free!
• Pay attention to every quotes you get. Auto insurance companies have different rating system so questions may not be the same.
• It is easy to be distracted with all the noise when you get auto insurance policy online. Make sure you find a way to tune it down. Choose the best time where you can concentrate.
• Determine what your priorities are. Determine which is the most vital in your auto insurance policy online. Do you need more coverage? Can you afford it? Do they offer road assistance? Do you need it? These are just some of the questions you need to ask.
• Once you have found the company the suits your needs and offer the best quote, the next thing to do is to know the stability of the company. Do they have good customer service? Do they respond to claims immediately? Ask around to know. You can also check the company ratings to know more information.

I am 65 years old and don’t earn as much as I used to anymore. I need to get an insurance that would be good for me and my budget. What should I consider before buying senior auto insurancein Chicago?

Louis

Chicago IL

Car insurance for senior drives is important, considering that they are regarded as high-risk drivers. Records show that drivers over the age of 70 have an extremely high rate of fatal car accidents, usually caused by physical handicap or not paying close attention to the road. If giving up driving is not part of your options, maybe you may consider getting senior auto insurance instead.

Since most senior drivers usually live on fixed income from their pension or retirement funds, it is a must that they find a senior auto insurance policy that is both reasonable and comprehensive. Here are some things you need to think about before going out to buy senior auto insurance:

1.) Review your credit history. A clean credit slate can afford you discounts from insurance providers.

2.) Make sure that your automobile is both stylish and comfortable. Having a good, reasonably-priced car contributes a lot to having a spotless driving record, which in turn, helps in getting additional discounts. You may want to check with the Highway Loss data Institute to find out which cars have the lowest repair costs. Cars with safety features like airbags and automatic braking devices also get more discounts.

3.) Kudos goes to drivers who only use their vehicles to run errands within the town or city. Senior drivers who have low mileage also stand to receive discounts from insurance providers.

4.) Get as many insurance quotes as you can. This will allow you to compare prices and haggle for discounts. If you can afford it, do consider higher deductibles. This could account for additional savings.

Margaret

Amarillo TX

Since the internet has grown popular, shopping for auto insurance online is the best and easiest way to shop for the best car insurance deals. Almost all auto insurance company sells coverage and policies online nowadays. To acquire the best deal, you’ll have to shop around, compare rates so you can narrow down which is the cheapest.

It isn’t hard to find an auto insurance company that will offer you service and at the same time save money. Get car insurance quotes from various companies. Once you get the quote, examine them and look for the coverage that you need. Once you chose a bunch of car insurance quotes with the coverage that you only need, choose a quote that you can afford. To know if you’re on the right track, remember the “Three C’s”, coverage, cost and customer service. If you agree that you got the 3 C’s, you just found yourself the efficient auto insurance policy.

But it doesn’t end there; ask you’re chosen auto insurance company for discounts that you can be eligible for. Examples of discounts are, good driving record discount, low mileage discount, safety and security features discount and more, always ask your insurer and you can lower your quote up to 25%. Remember these tips and you’ll get the best deal for your car insurance through online shopping.

Ruth

Amarillo, TX

I am sorry for what happened. I hope all is well with your daughter.

Going back to your question, since it’s your daughter’s friend’s car that was involved in the accident and there was permission given to your daughter to use her friend’s car, your daughter’s friend’s auto insurance policy will shoulder for the expenses first. Moreover, your daughter’s teen auto insurance policy would pay for anything that the first auto insurance policy was not able to cover or anything that is in excess of the first auto insurance limits.

As to your second question on how this would affect her teen auto insurance, I’m afraid there is a negative impact. Normally, being involved in a car accident most especially if it’s her fault would result to an increased on her teen auto insurance rate. This is expected since this is a serious accident that resulted to total car wreck.

I would suggest you check with her auto insurance agent to know the increase on her rate. And also don’t forget to check with the insurance claims adjuster to find out on how much the damage on the car will cause to your daughter’s auto insurance.

Sarah

Amarillo TX

Sarah

If you always rent vehicles, non owners auto insurance may save you money on rental vehicle insurance. Non owners auto insurance protects you if you have a business and you have an employee for running errands.

Non owners car insurance pays for repairs when you get involved in a wreck and it was your fault and damage someone else’s vehicle, and for the medical expenses of the passengers of that vehicle or for any injured pedestrians. It also covers you and your passengers for medical bills.

Non owners auto insurance does not pay to fix damage to your vehicle when you cause an accident.

The best thing to do to obtain cheapest non owners auto insurance is to go to an insurance comparison website where you can obtain non owners auto insurance rates from a various car insurance providers, then choose the cheapest non owners auto insurance policy that best suits your needs.

Amanda

Amarillo TX

Amanda,

Once your daughter gets her drivers license most insurance providers will require you to add your teen daughter on your car insurance policy since she will likely operate to your automobile so she will need to have coverage.

Although children are automatically covered on their parents’ auto insurance policy, it is very important that you list your teen daughter on the car insurance policy as soon as she get her license. If you do not add all the licensed drivers in your household on your car insurance policy and the insurer discovers about it later – due to an accident claim, the insurer will bill you for the extra premium you should have paid.

If your daughter will not going to operate your automobile at all then you may check if you could exclude your daughter from the insurance policy. However, if you specifically exclude your teen daughter from your car insurance policy and she drives your car, no insurance coverage will be extended to her in case of an accident. If your teen daughter will get her own car insurance policy, you can show the proof of car insurance to your insurer so you can take her off to your policy.

What kind of discounts can I get on my auto insurance policy?

Mike

Amarillo. TX.

Mike,

Conversely, if you do decided to change insurers a proof of prior insurance discount may apply. Most insurers request at least 6 months of consecutive insurance from the previous insurer. If you are a full-time student who meets certain grade requirements and are unmarried and usually under 25 years of age (some states the age is 21) you could be eligible for a good student discount. If you own a home, including condominium, town home, or mobile home, which is used as a principal residence, a discount could apply. Military personnel either currently active or retired from any branch of the US military a discount could apply. If your vehicle is equipped with an anti-theft device, a discount could apply.