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7 Easy Ways To Slash Your Auto Insurance Costs

admin — Mon, 05 Jan 2009 23:11:57 +0000

7 Easy Ways To Slash Your Auto Insurance Costs

 by: Neil Stelling

The law requires you buy auto insurance. So if you must get cover, how can you reduce costs ? Here’s 7 easy ways to get the best possible auto insurance deal.

* Multiple Quotes

Get multiple quotes - use the internet and call a few brokers. It’s easy to gather some good comparison quotes.

Remember to get different types of quotes e.g one from a direct-sell insurance company; another from an offline broker who keeps a database of quotes; and a couple from the internet.

Cheapest might not mean best. Will they pay out if you make a claim ? How financially secure ? How reputable ? Check around with family and friends, and look for online reviews.

* Different type of car

Insurance costs vary depending on car type. Obviously, that $100k sports model costs more to insure than your average runabout. If you′re planning to buy a new car, check insurance costs before you buy. I once set my heart on a beautiful, high performance, highly tuned Pontiac.

Luckily I checked the auto insurance before I bought it, because I couldn′t get insurance. Every broker, every insurance company flat turned me down because I lived in a high car-crime area. So I had to forget the car of my dreams until I moved up-town.

* Age and Value of Car

Maybe you’re buying a used car ? Maybe your car saw better days a few years ago, and now values much lower ? So why pay for high-priced auto insurance ? In particular, do you still need fully comprehensive coverage ?

A good rule of thumb multiplies insurance premium by 10, and compares that figure with your car value. So if you’re quoted $1000 premium and your car is worth less than $10,000 you may want to think if comprehensive represents good value. If you drop collision and/or comprehensive coverage, you should get big savings.

* Higher deductibles (excess charges)

Most auto insurance companies use deductibles to keep policy cost down. Deductibles, or excess charges, show what you pay before your auto insurance policy kicks in. Try requesting quotes with different levels of deductibles, and see how your quotes vary.

Most internet quote forms contain a box where you can specify preferred level of deductibles. Ask your broker his recommended level. For example, going from $250 to $500 deductible can slash your insurance costs by 20% or more. Go to $1000 and you save a lot of money. But you must pay the deductible if you need to make a claim !

* Multiple Insurances

I guess this might come under the ‘Get Multiple Quotes’ heading, but it’s still worth mentioning separately. You usually get an insurance break if you buy multiple policies with the same insurer.

This might mean multiple vehicles, or homeowner and auto insurance. Either way it’s worth asking about multi-policy discounts.

* Low Mileage

More and more people work at home. No more commuting. Fewer business trips. Low mileage on your car. Maybe you do travel to work, but car pool ?

Either way, look for low mileage discounts.

* Good Driving Record

A good driving record always reduces your auto insurance costs. Keep a clean drivers license. Don′t speed, don′t drive dangerously, and you’ll save money (apart from other benefits !)

* Bonus Tip

Okay, I said ‘7 Ways…’, but here’s some extra tips. Fit anti-theft devices to your car. Go on an advanced driver training course. Use daytime running lights. If you′re a college student away from home, consider adding to parents policy.

This short article covers the things you must consider when shopping for auto insurance. Follow these tips and you’ll slash your auto insurance costs.

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Discover valuable information and tips to help slash your auto insurance costs.

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** Attn Ezine editors / Site Owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above.

If you do use the article please send me a note to neil@autoinsurance–quotes.com so I can take a look. Thanks. Check out other great articles at http://www.autoinsurance–quotes.com/articles.htm

About The Author

Neil Stelling is Marketing Manager of New York based, DigiLectual Inc.

Tags: Car Insurance online, online auto insurance, auto insurance online quote, Auto Insurance Online, online car insurance

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Automotive Insurance Rates Affected By Your Town?

admin — Mon, 05 Jan 2009 02:16:43 +0000

The area in which you live does impact the cost of you automotive insurance. It may seem a bit unfair, but it?s true. Locations that have higher crime rates tend to also have higher automotive insurance rates.

Of course, there probably aren?t too many people out there who are willing to shop for a new home in a completely new area, put their houses up for sale, and leave town just to save money on automotive insurance, and that?s completely understandable. That?s why we?re going to offer some tips on how you can possibly lower the cost of your automotive insurance and keep your home.

First, take a look at your vehicle. Was it expensive? Is it flashy? Is it a vehicle that many people would love to drive but can?t afford? If so, your vehicle is at risk for being stolen or burglarized. Vehicles that aren?t at risk for being stolen or burglarized tend to get lower automotive insurance rates. Consider trading your flashy car in for a more subtle ride.

Then, and this is especially important for those of you who aren?t willing to trade your cars in, take a look at your safety components. Do you have any kind of anti-theft system for your vehicle? Having one of these will not only protect your car from being stolen, but it will also protect your valuables inside, i.e., some crook won?t come along and break the window to get your CD collection. This means your automotive insurance rates could be lower since your insurance company won?t have to worry too much about replacing windows.

Finally, take a look at where you park your vehicle. On the side of the street? In a back alley? Consider parking your vehicle in a safe, well-lit, and guarded parking garage. Your insurance company will appreciate your effort to protect your car, and they might just reward you with lower automotive insurance rates.

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Get An Affordable Term Life Insurance Policy Home Owners Insurance Illinois Cheapest Car Insurance

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Know What You Need to Save Big On Auto Insurance

admin — Sun, 04 Jan 2009 01:47:39 +0000

Keeping up with an automobile can be an expensive venture. There are monthly payments, maintenance, gas and repair bills to worry about. And then, of course, there’s insurance, which can really put a drain on a wallet. But, there are lots of cheap insurance policies available to help drivers even with not so perfect records save some money.

There’s no reason to pay an arm and a leg for insurance; even when there’s an accident or a ticket or two in a driver’s history. There are plenty of companies that offer reasonable and even “cheap” rates without cutting corners on the coverage.These companies can even be big-name insurers who are looking to boost their client base and compete with others or they may be relatively new carriers wanting to make a name for themselves. Insurance is a number game and sometimes those numbers can pay off in a driver’s favor.

The Internet can be one of the best tools for finding a good insurance carrier that doesn′t charge an exorbitant amount for auto coverage. By allowing a quick comparison from multiple companies, this tool helps cut out the middle man and can really garner a shopper some serious savings.

When shopping for insurance, there are some things to consider to make certain the policy bought is quality even if the price is cheap. They include:

* Be certain what ever is purchased matches at least a state’s minimum legal requirements. If it doesn′t, it won′t matter how cheap the policy is, it won′t be worth the money. The fines for not having the right type of policy can be steep, so do be sure to understand what they are in your location.

* Only get the kind of coverage you need. Even top name insurance companies can provide decent rates for those with tarnished records, but getting the decent rate might require seriously considering every portion of coverage. Don’t buy things that aren’t necessary. If, for example, you have an extra car at your disposal, don’t pay for rental coverage. Should you have a great medical insurance policy, don’t invest in huge amounts of personal injury protection. Do, however, make certain the parts of the policy you need cover your bases.

* Check into an insurance company’s background. A cheap policy isn’t a great buy if the company that writes the policy isn’t solvent enough to pay claims. Make sure the company you go with has a good record in the field. If it’s a start up company, see if they’ve handled other types of insurance in the past and recently added auto coverage. Sometimes this will be the case.

* Ask about payout track records. Insurance companies that make each and every claim a chore on their clients aren’t worth dealing with. While it’s certainly true insurance companies should investigate and protect themselves from fraud, giving clients a difficult time unnecessarily is a sign to stay away.

* Review what your loan requirements may be. When buying a policy, be certain that cheap rate actually meets the requirements of your loan. If it doesn’t, you might find yourself with a second bill in the mail. Auto loan companies don’t take kindly to their investments not being covered correctly.

No matter your insurance requirements, shop around. If possible, compare multiple policies for your car and your personal situation and pick the best fit.

About the Author

More resources

Cheap car insurance.

http://www.cheapcarinsurance1.com
Defensive driving courses.

http://www.defensivedrivingcoursesonline.com

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Finding Cheap Auto Insurance Quotes

admin — Sat, 03 Jan 2009 03:01:30 +0000

How to find cheap auto insurance quotes

If you think you’re paying too much for your existing auto insurance, put the internet to work and with a little effort it’s easy to find cheap auto insurance quotes that can save you money right now, here’s how…

Compare quotes

Only by shopping round for competitive insurance quotes can you find cheap auto insurance quotes. Most people don’t bother or compare just 2 quotes with little thought to the factors insurance companies base their prices on.

Cheap auto insurance quotes aren’t necessarily the best, it’s more involved than comparing the bottom line. The manner in which insurance claims are processed and approved is an important consideration as is the speed that claims are settled.

The manner in which an insurer deals with you both verbally and in writing is important, they should be easy to contact, courteous and willing to help. Remember that following an accident you are likely to be in a state of stress and the last thing you’ll need is a company you can′t contact and doesn′t take a personal interest in resolving your case.

Deductibles can save you money…

A higher insurance deductible equates to cheaper auto insurance quotes, when a claim is filed you will be responsible for the first ’s, the deductible, and the insurance company pays the balance. The choice you have to make is between a lower deductible with a higher premium but less out of pocket expenses if a claim is made or a higher deductible with a lower premium but higher costs to meet if a claim is made. It’s a choice that only you can make but if you want a cheap auto insurance quote increasing your deductible from $200’s to $1,200’s will give you significant savings on your insurance premium, but there are risks…

Choose the highest deductible you can afford should the worst happen and enjoy the savings from your reduced premiums.

So select the maximum you can to pay?the higher the better because the difference in your car insurance premiums will mean more cash in your pocket.

Ask for a discount

Another favorite saying from my Grandmother was “If you don’t ask you wont get” and that is so true, unless you ask they are very unlikely to offer additional discounts, there are many reasons why they may and I have outlined some important ones below…

Your existing insurance company probably offers lower rates to new customers and they might be persuaded to offer similar rates to keep your business.

Multi line discount is often on offer if you insure both your home and auto with the same insurance company.

Good driver discounts are offered if you have not had an accident or ticket in a long time

Installing car alarms and tracking systems is seen as reducing the risk of theft and most insurance companies will pass the savings to offer cheap auto insurance quotes.

Low mileage discounts are available if your average mileage is typically less than 40 miles per day you will be offered a cheap auto insurance quote.

You car makes a difference

A less desirable auto is less likely to be stolen and usually attracts a cheaper premium. Comparing rates between cars before buying might force you to reconsider your options if there is a notable difference between premiums, choose the insurance before deciding on your new car.

Finding cheap auto insurance quotes isn′t difficult when comparing quotes online, in less than 5 minutes you can save hundreds of dollars off your annual premium, armed with the knowledge and the will to do so cheap auto insurance quotes are easy to find.

John Buckle has compiled information on finding cheap auto insurance quotes at http://www.autoinsurer.info auto insurance tips and a searchable database of autos for sale.

Tags: online car insurance, Car Insurance online, auto insurance online quote, online auto insurance, Auto Insurance Online

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What Should You Look Out For When Getting Teen Auto Insurance

admin — Fri, 02 Jan 2009 02:46:12 +0000

There are many things you should think about when you are purchasing teen auto insurance.? Many things you should think about are paying annually, the type of car your teen is driving, adding a named driver, and more.

Finding cheap auto insurance can be difficult.? So your teenager finally got their driver?s license and you now need to find them good insurance.? There is a Pass Plus exam that is offered right now.? The Pass Plus is an intensive driver?s training course that is aimed at teens and new drivers becoming better drivers.? When a teenager passes this exam you will automatically receive a 35% discount on your auto insurance.? This is a big deal because teenagers are very expensive to put on your insurance.

The car your teenager drives will make a big difference to what your premiums are for them also.? You can find the lists on the Internet which cars are the most expensive to insure and which cars are the cheapest to insure.? If the car is not on the highest stolen list then it will be cheaper to insure for your teen.? The theory is that the cheaper the car is then the cheaper the teen auto insurance will be.?

Although you are looking for cheap auto insurance you also need to realize you must have the appropriate coverage for your child.? Statistics show that teenagers have more accidents than adults because they have less experience driving.? This is a proven fact.? If your child is in an accident you should be sure that your insurance will cover the damages your teen may have done to the other vehicle.? You don?t want to have an insurance claim that you cannot afford to pay and your insurance didn?t cover.? Be sure of all of the coverage you have opted for your child.? Don?t be looking for only the cheapest because this might put you in a bad position.

If you have a teenage daughter then you are in a little bit of luck.? It is proven that girls and women get in less accidents then teenage boys and men.? Because of this statistic, females are cheaper to insure.? However, just because of the gender doesn?t mean that the insurance will remain at a low rate.?

Maintaining a low auto insurance rate for your teenager also means that they are driving without being pulled over for traffic violations.? The first ticket is usually a freebie and your teenager will be sent to defensive driving school.? That is of course if the violation is something simple like speeding.? Your rates will begin to drop every six months as your child drives without any tickets on their license.? If your teenager begins to get tickets and pulled over then your insurance rates will begin to increase and you may not be able to afford to insure them.

When you are looking for cheap auto insurance for your teenager you need to think about many things.? Consider the type of car your teenager will be driving and be sure your teenager is driving responsibly not getting pulled over.

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ABOUT THE AUTHOR

Kian Chew is a car insurance expert and owner of Car Insurance Hot Zone. Car Insurance Hot Zone helps those who wish to lower their car insurance cost for life by using a few basic rules and some strategies which few people know. You can instantly view the secrets by visiting http://www.CarInsuranceHotZone.com

Tags: auto insurance online quote, online car insurance, Car Insurance online, Auto Insurance Online, online auto insurance

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Who Else Wants To Have Cheap Auto Insurance?

admin — Thu, 01 Jan 2009 06:16:19 +0000

Everyone can afford cheap auto insurance, and it can be even more affordable than you might think. Insuring your car is something that everyone needs to do, because without it they will not be able to pay for anything that might happen while they are in their car. Auto insurance is the law, and in many states you can get arrested if you don’t have it. However, just because auto insurance is important doesn?t mean that it has to be very expensive. In fact, there are plenty of places to find full coverage policies at a very cheap rate.

Your auto insurance rates are going to depend on a number of different factors. First of all will be your driving record. If you are a good driver and have not had any accidents or tickets, you will be able to find better rates on your insurance than if you have had a bad driving record or if you are unable to pay speeding tickets or other types of tickets that you might have had. You will need to be able to pay your car insurance, so you might need to find some cheap sources of it, depending on what your driving record might be.

The other thing that will influence your car insurance rates will be the area where you live and the area that you work in. Having your policy for an area that has a high crime rate, or an area where many cars are stolen can negatively affect your rate. Therefore, if you live in an area that has a low crime rate, you will probably be able to get a better and cheaper rate on your car insurance. Remember that your policy might have a lot to do with where your car is parked at night, but it will also have a lot to do with where your car is parked during the day, so if you work in a place that has a very high crime rate, and you drive to work, you might find that your insurance is more expensive than you thought it would be.

No matter what, you will be able to find good rates on car insurance because you will be looking at many different sources for it. Don′t be afraid to look at various rates in many different areas. If you have children on your auto insurance policy , you should also look for deals regarding their grades and drivers education programs. These things can help you find a better rate altogether on your insurance rates.

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Tips To Choosing The Right Auto Insurance Company

admin — Wed, 31 Dec 2008 05:38:13 +0000

Are you in the market for better auto insurance rates? Or, perhaps you are simply looking for a new auto insurance company? Whatever your reason for shopping around, now is the perfect time to request auto insurance quotes from several companies who are more than eager to earn your patronage. In fact, many companies will compete for your business by way of auto insurance rates.

Your first step to choosing the right auto insurance company is to consider the type of coverage that you need. For instance, if you have a less than perfect driving record or past credit problems, you may want to compare auto insurance costs from companies who specialize in giving customers a second chance to earn discount auto insurance. If you own more than one vehicle, you may find that some auto insurance companies will offer cheap auto insurance rates in exchange for becoming your exclusive provider. In other words, transferring all of your policies to one company may result in discount auto insurance at its best.

The next step in choosing an auto insurance company is to look for one that rewards customers based on a good driving record. One of the keys to a respectable auto insurance company is flexibility when it comes to coverage selection and incentives to promote better and more responsible driving. In addition to comparing auto insurance rates and plans, take the time to review the auto insurance company’s policy on discount auto insurance rates for those with a safe driving record.

It’s important to realize that auto insurance rates vary from one area to the next. For instance, Pennsylvania auto insurance may be less expensive than New York auto insurance or vice versa. Regardless of where you live, however, most will agree that auto insurance is expensive and it’s essential that you compare auto insurance rates to ensure that you are getting what you pay for. A good auto insurance company, for instance, will offer various deductibles, competitive auto insurance rates and some type of coverage that allows for the temporary payment of medical bills in the event that you ever become involved in an auto accident. If you are injured as a result of another motorist’s negligence, many auto insurance companies will pay for your medical bills and later seek reimbursement from the faulty individual(s). This is a great relief to many, especially those who may not otherwise have health insurance.

As a final thought to choosing an auto insurance company that offers the best auto insurance rate, free auto insurance quotes and/or a flexible program that can be customized to fit your individual needs, simply take the time to shop around and compare auto insurance from more than one company prior to making a final decision.

The information in this article is designed to be used for reference purposes only. It should not be used as, in place of or in conjunction with professional financial or insurance advice relating to auto insurance quotes, discount auto insurance or auto insurance rates. For additional information or to receive an auto insurance quote, contact a local auto insurance company.

Andrew Daigle is the owner, creator and author of many successful websites including Free Auto Insurance Quotes, an auto insurance company research site and a Low Loan Rates site for finding the best rates for personal loans, payday loans, student loans and more for your financial needs.

Tags: online auto insurance, Car Insurance online, auto insurance online quote, Auto Insurance Online, online car insurance

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Tips To Choosing The Right Auto Insurance Company

admin — Tue, 30 Dec 2008 06:36:25 +0000

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Cheap auto insurance - Save before you buy a new car!

admin — Mon, 29 Dec 2008 07:50:10 +0000

So you are planning on buying a new car that’s great! And may I add congratulations! It is highly recommended that before you purchase your dream car you should shop around for reliable and cost effective auto insurance.

Your premium is based in part on the car’s sticker price, the cost to repair it, its overall safety record and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft, such as air bags, anti-lock brakes, daytime running lights and anti-theft devices.

Preventing theft will help you get better auto insurance rates.

Naturally, cars that are favorite targets for thieves cost more to insure. You might want to take that in consideration when buying your future car. Anti theft devices are a must and the more you have installed the better. Auto insurance companies know that anti theft devices substantially reduce the chances of your car being stolen and they will quote lower auto insurance rates when you have the devices installed.

I believe that installing anti theft devices will give you peace of mind. It is a known fact that when a thief looks through the window of your new car and sees a blinking red light indicating that the immobilizer is functioning and active he will most likely turn around and leave. Sometimes you might like to add some more devices like; Anti-Theft Steering Wheel Locks, car alarms and wheel clubs.

Save yours and others lives and still save money

You can reduce auto insurance rates and reduce the risk of accidents and injuries by adding safety features to your car such as; air-bags, anti- lock brakes and daytime running lights. The more safety features added to your car will help you save lives and save money at the same time. When buying a new car these safety features will cost more, don’t worry about that too much because in the long run you will see that your auto insurance payments will be lower and when you plan on selling your car in the future you will find a buyer in a short period of time. Not to mention that all these safety features make your car of higher value and therefore, they are a good investment.

You can find more useful information at our auto cheap insurance page.

About the Author

http://www.adjustcredit.com provides helpful and useful information for anyone looking for financial solutions. For more car insurance information visit car insurance at its best.

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How To Compare Auto Insurance Quote Online

admin — Sun, 28 Dec 2008 09:00:41 +0000

When you get car insurance quote online from an insurance company, always keep in mind to compare it with quotes issued by other companies with the same car insurance policy features. However, since this is a challenging task, with results often being prone to mistakes and miscalculations, here are some tips that can help you simplify the process.

The first thing you need to do when you get car insurance quote online is to assess your current auto insurance policy, and consider every feature it incorporates, such as limits for property, bodily injury, uninsured motorist and underinsured motorist what the deductibles are; if you?re willing to pay for towing and rental care reimbursement and if you have comprehensive coverage or just collision.

Determine if you are still going to need those features in your car insurance, and make note of any changes. For example, there?s no point opting for comprehensive coverage on an old car that has severely decreased in value. Therefore, getting only collision coverage might be able to save you a few hundred dollars on your car insurance premium.

Your second, particularly important step when you get car insurance quote online is to gather specific information about your cars, and the people who drive them. Be prepared to list down information regarding:

1. Drivers license and Social Security Numbers for each driver
2. Year, make and model of each vehicle to be insured
3. Average mileage for each day, and whether it’s used for business or pleasure
4. Safety features such as Anti-lock Brakes (ABS), alarms, air bags etc for each vehicle

Always make an effort to get at least three or more car insurance online quotes for your auto insurance from various sources, because rates are liable to differ between car insurance companies. Put down each online quote on the same sheet of paper, along with comments for each company you?ve listed.

When looking for a cheap car insurance quote online, you must also bear in mind the importance of good value, such as financial stability, fast claims service and good customer service.
When you?ve tracked down the car insurance quote online that meet your requirements, keep it under scrutiny for a couple of days in order to be certain that you?ve got the right insurance coverage for your car.

Don?t hesitate to ask a lot of questions if you?re doing business with an agent or representative, who could probably be able to help you save a decent amount on your insurance. It?s also always a good idea to check if there?s a customer service contact on the insurer?s website when you get car insurance quote online.

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Find articles on how to compare auto insurance quote and get your car insurance online quote from top insures.

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