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10 Tips That Can Help You Get The Cheapest Auto Insurance |
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2007-11-07 |
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With everything else on your mind, have you put your auto insurance on auto pilot? It's not your fault if you have -- lots of people do it. In fact, the insurance companies count on it. They make more money that way by raising your rates over time.
But maybe it's time you review your policy and compare it with what else might be out there that can save you substantial amounts of money this coming year.
Here are 10 tips that can help you make an informed decision as to whether you are paying too much for auto insurance:
Request higher deductibles.
Your auto insurance deductible is the amount you agree to pay upfront before your insurance company pays its share to repair your damages. Inquire about increasing your deductible from, say, $200 to $500 -- you might be surprised at how much you can save every year. In some cases, you could save between 15-30% on the cost of your collision and comprehensive coverage. If you increase your deductible to $1,000, you may be able to cut it even further -- perhaps by as much as could decrease that cost by at least 40 percent, or more.
Drop coverage you don't need.
Do you drive an old beater? Consider dropping collision and/or comprehensive coverage altogether. Who needs to pay a premium that is higher than the actual value of the car to begin with? So go online and check out how much your car is actually worth. You can do this at Edmunds.com.
Don't pay for double coverage for medical.
If you're already covered with a decent health, life and/or disability insurance policy, just buy the the minimum personal injury protection that your state requires.
Don't buy a car that thieves like to steal.
It’s more expensive to insure a car that is popular with car thieves. You can check out the statistics for that at ConsumerAffairs.com. And while you're at it, don't buy a car that is expensive to repair.
Drive less.
Many insurance companies offer a “low-mileage discount” to drivers who qualify. So if you can carpool to work, you might save on gas AND insurance. And not only that -- you'll sustain less wear and tear on your vehicle too. Lastly, many cities reserve an express lane on the freeway/interstate for carpoolers -- so you'll get to work faster, too. Call your insurer and find out whether you qualify.
Safety features can save you money, too.
Did you know that You can often get a discount if you own a car with automatic seat belts, anti-lock brakes and/or daytime running lights? Also, if you have an approved alarm system or other anti-theft device you can save money, too.
Put your teenager on your policy.
Don't put teens on their own policy -- it costs too much. And another thing about teens: if they keep decent grads and pass an approved drivers’ training course, you can get a reduced rate for that as well. Lastly, if your teen goes to college more than 100 miles from home, they can qualify for further discounts -- if they leave their car at home.
Put all your family's vehicles with one insurance carrier.
Many insurance companies will be happy to take your premiums for more than one car at a time. And not only that -- if you buy homeowner's and/or life insurance too, you'll save even more.
Ask this simple question: "What other discounts should I know about?"
If you’re older than 50 and/or retired, you might qualify for a discount through organizations like AARP; if you have no accidents or points on your record, you could qualify for a safe-driver discount; and/or if you’re a longtime customer with your carrier, you could save some money that way.
Reconsider before paying extra for roadside assistance.
Here's the thing: getting towed might actually increase your premium and/or affect your eligibility for coverage. And adding insult to injury -- you might have had coverage through your credit card. Check it out. Sometimes having roadside assistance through an independent company might be the best deal of all.
Conclusion
So there you have it -- lots of ways to save on your auto insurance. Pick up the phone and check it out. After all, who wouldn't like to have an extra few hundred (or thousand) dollars to save or spend?
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10 Tips That Can Help You Get The Cheapest Auto Insurance Keywords: |
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10 Tips That Can Help You Get The Cheapest Auto Insurance Finance Finance |
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Related Article:10 Tips That Can Help You Get The Cheapest Auto Insurance |
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Brian Stevens |
2007-10-29 |
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Title: How to Find the Cheapest Auto Insurance Online
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There are a ton of companies offering cheap auto insurance, but how do you know it's really cheap? And how do you know the insurance company is reliable? Here's how to get the cheapest auto insurance online with a reliable company. Comparison Shop Finding the cheapest auto insurance online is a matter of comparing rates from different auto insurance companies. You can spend hours of your time calling local agencies or visiting insurance company websites to get auto insurance rate quotes, or you can spend a few minutes at an insurance comparison website where you can get multiple quotes from top companies. All you have to do to get your quotes is fill out a simple questionnaire with your insurance information and the amount of auto insurance coverage you want, then wait to get your quotes. The best insurance comparison sites feature a chat service that lets you get answers to your insurance questions from an insurance expert. They also have an Articles section where you can get money-saving tips and information. (See link below.) Check Ratings When you find an insurance company with the best rate, make sure you check it out to see if it's reliable and will provide you with good customer service. You can check out a company's financial rating at A.M. Best's website - ambest.com. And you can check out a company's customer service rating at J.D. Power and Associate's website - jdpower.com. Increase Your Deductible The deductible is the amount of money you must pay before your insurance company will pay your claim. Make sure to get the highest deductible you can afford, because the higher you set your deductible, the cheaper your insurance premium will be. For example, raising your insurance deductible from $250 to $500 could save you up to 30% on your premium, while raising it to $1,000 could save you up to 50%. Ask for Discounts Insurance companies offer numerous discounts. Some of these discounts include: * Multiple policy discount for placing your homeowners or renters insurance and your auto insurance with the same insurance company. * Safety and security discount for having burglar alarms, ant-theft devices, airbags, and anti-lock brakes. * Low mileage discount for driving less miles than the average driver. * Safe driver discount for having an accident-free driving record for three straight years. * Senior discount for being over the age of 50. Before you purchase your auto insurance, ask your insurer about all the discounts they offer and take advantage of all the ones you quality for. Where to Get Cheap Rates Visit http://www.LowerRateQuotes.com or click on the following link to get cheap auto insurance quotes online from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written numerous articles on finding the cheapest auto insurance online.
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Brian Stevens |
2007-03-01 |
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Title: How to Buy Auto Insurance Online - Top Tips for Saving Big Bucks
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Looking to buy auto insurance online? Want to get the cheapest insurance rate with the best insurance company? Here's how ... 1. Comparison shop - Insurance rates can vary as much as $1,000 between companies, so the first thing you need to do is get quotes at an insurance comparison site before you buy auto insurance online. (See links below) 2. Increase your deductible - Raising your deductible by a couple of hundred dollars can save you up to 50% on your insurance premium. 3. Drop your collision and comprehensive coverage - If the cost of collision and comprehensive coverage for an older car is more than the cost of repairing that car, consider dropping these coverages. 4. Bundle your insurance - Including your auto insurance with your homeowners insurance can save you 15%. 5. Use one company - If you have two or more cars you can save up to 15% by insuring them with the same company. 6. Drop duplicate coverage - Eliminate your medical coverage if you're already covered under you heath insurance policy, and drop towing coverage if you're covered by AAA. 7. Install a security device - Most insurance companies will give you a discount if you install a car alarm or other anti-theft device. 8. Request discounts - Ask your insurer what discounts are available and take advantage of them. Get all the discounts you're entitled to for such items as automatic seat belts, airbags, and anti-lock brakes. 9. Check ratings - You're not saving a dime if your insurance company won't pay your claim. I recommend going to epinions.com to see what actual customers have to say about various auto insurance companies and how they pay their claims. Visit http://www.LowerRateQuotes.com or click on the following link to get free car insurance quotes from A-rated companies and see how much you can save. You can get more insurance tips by checking out their "Articles" section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to buy auto insurance online.
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David Hunter |
2006-12-29 |
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Title: How to find cheap auto insurance - guidlines and tips
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If you are a resident of the United Kingdom and drive a car, then you certainly have to buy auto insurance policy, because no one is allowed to drive a car in Britain without having his car insured. For someone auto insurance might seem an awesome burden, and they hate paying money for it having no other choice. However, there are some ways to reduce car insurance costs and some of us really need to know about these insurance tricks. Before going further we have to mention that cheapest car insurance is not the best car insurance. You should always bear in mind it. When selecting an insurer, try to find out more about the company, its history and credentials. Ask your friends and relatives about it, may be they can suggest you something you are not aware of. Make a thorough research, which most likely will take several days to complete. But where are you supposed to get started with the research? The bets place to look in is the Internet. There plenty of web sites out there offering car insurance quotes online. It may take you a day or two to understand what is going on and how to deal with the whole information offered through the web, but it is worth of spending your time, because it’s going to pay off. Do not focus on a single insurance company, search for several insurers to compare their quotes. But your research won’t be comprehensive, if you limit its area only with the Internet. Get your local phone directory and call to insurance brokers. They will assist you in a great deal. Insurance brokers will make their own research and suggest you several options to choose from. At least, they are professionals and their advice can be definitely of some use to you. Now, let’s look through some of the factors influencing on the price of your car insurance policy. Gender and age – these are the factors you cannot influence much on, but should be aware of their role. If you are a male driver under the age of 25, then you should forget about cheap insurance, because you belong to the most risky category of drivers. On the other hand, female drivers are considered to be the most careful drivers and they pay fewer premiums then men. It should be mentioned that the difference between premium levels for men and women gradually melts down as the age of car drivers increases. For example, 50-year-old men drivers pay almost the same level premiums as the female drivers of the same age. Now, there are some factors you can manipulate in some extent to reduce your car insurance premiums. For instance, if you own an old car that is worth of $1000 and you’ve got to pay half of this amount for full coverage as you did many years ago, then consider to give up paying for comprehensive coverage. Another way to reduce car insurance costs is to combine different types of coverage, like homeowners and auto insurance. You can also include a family member in your policy, so you’ll get insurance for two persons save money. If you own several vehicles, most of insurers will also offer you a discount. Auto insurance companies offer cheaper insurance rates for the vehicles that are less risky to be stolen. If you install an anti-theft device on your car, insurance companies would most likely consider your car less risky to be stolen and you can expect to get a reduced auto insurance rate. These are some, but not the all ways to reduce your car insurance premiums. Before buying insurance policy learn as much as you can about car insurance offers on the market. There are always discounts out there and you can change your insurer every year to get the best deal. If you wish to get more information about auto insurance, please visit Sheilas’ Wheels. David Hunter is an author from California. He is a professional insurance agent and works in insurance business for many years. David plays golf and drives sports cars.
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Tommy Gordon |
2006-12-06 |
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Title: How to Get a Cheap Car Insurance - Your 7 Steps to a Good Deal
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Are you wondering how you can purchase cheap car insurance? Worry no more! Here you'll get the seven easy steps to getting the cheapest quotes and the best deals available. Use one or use all, each of them is sure to lower your rates.
The cheapest car insurance is not necessarily the best auto insurance. But, as car insurance is mandatory for registering and driving your car, it is necessary to purchase insurance for your car. The next seven tips will help you choose, if not the cheapest, then the best deal: - Compare auto insurance quotes online – insurance companies save money on man power with online quotes and purchase, some of that money goes back to the client and makes your insurance cheaper. There are many companies providing instant quotes. Depending on your auto (and make sure you provide honest answers) or the number of cars you want to insure, you'll get a preliminary estimation. Don't take this sum as the final quote and don't choose the cheapest quote without analyzing the coverage offered in the insurance policy.
- A clean credit history ensures significant discounts. To put it simple: car insurance gets cheaper if the owner (that's you) is a reliable payer. However, most insurance companies will have an option of "bad credit quotes". If you have a bad credit history, don't waste your time (your time is also valuable) on the companies that don't give you this option.
- To get an advantageous insurance it is recommendable that you put al the cars you own under a single policy. Some insurance companies offer very good discounts for multiple cars insurance policy.
- There are many underinsured or uninsured drivers. You'll need coverage in case of an accident caused by an uninsured driver. Make sure your insurance covers such mishaps.
- Choose the insurance that fits your financial possibilities and the condition of the car. Once your financial status improves or the vehicle deteriorates, you should update the status of your policy.
- If you plan on moving soon, choose a short-term car insurance plan – we recommend a one year car insurance. Insurance plans vary from country to country and even from state to state.
- Make your vehicle as safe as possible both in terms of driver and passenger safety (seat belts, air cushions etc.) and is terms of theft (a car alarm an immobilizer etc.) – this will lower the premiums, thus providing for a cheap insurance plan.
Tommy manages sites on various subjects.
Find out more about car insurance here and get free insurance quotes. Click the link to get more insurance tips.
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Jamie Snodgrass |
2006-01-29 |
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Title: Car Insurance Tips
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You have come to the right place, if you are looking for information on how to get car insurance for your new or pre-owned auto or if you just want to get a better auto insurance quote. Not all auto insurance companies have the same policy coverage, pricing or terms. To get the best car insurance policy at the cheapest rate, you will have to do a little research; most auto insurance companies offer online quotes, this is the easiest way to do comparisons. If you have an existing policy from your current insurer, pull it out or request they send you a copy. Read it through carefully and highlight the most important coverage items to identify areas where you may need decreased or additional coverage. Deductible in the event of a claim - Increasing your deductible can lower your insurance quote by hundreds of dollars. Total loss - Coverage in the event your automobile is stolen or totaled in an accident. Property Damage Liability - This coverage is important in the event your vehicle causes damage to someone else's property. Can you go to the auto repair shop of your choice ? Does it make a big difference if you opt for a higher deductible? Where can I find Cheap auto insurance quotes? To read the full version of this article and get the answers you need to know before renewing your car insurance agreement, click on the link below Author is marketer for sites such as :
Car Insurance Tips
HealthResources
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Brian Stevens |
2007-03-01 |
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Title: How to Buy Auto Insurance Online - Top Tips for Saving Big Bucks
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Looking to buy auto insurance online? Want to get the cheapest insurance rate with the best insurance company? Here's how ... 1. Comparison shop - Insurance rates can vary as much as $1,000 between companies, so the first thing you need to do is get quotes at an insurance comparison site before you buy auto insurance online. (See links below) 2. Increase your deductible - Raising your deductible by a couple of hundred dollars can save you up to 50% on your insurance premium. 3. Drop your collision and comprehensive coverage - If the cost of collision and comprehensive coverage for an older car is more than the cost of repairing that car, consider dropping these coverages. 4. Bundle your insurance - Including your auto insurance with your homeowners insurance can save you 15%. 5. Use one company - If you have two or more cars you can save up to 15% by insuring them with the same company. 6. Drop duplicate coverage - Eliminate your medical coverage if you're already covered under you heath insurance policy, and drop towing coverage if you're covered by AAA. 7. Install a security device - Most insurance companies will give you a discount if you install a car alarm or other anti-theft device. 8. Request discounts - Ask your insurer what discounts are available and take advantage of them. Get all the discounts you're entitled to for such items as automatic seat belts, airbags, and anti-lock brakes. 9. Check ratings - You're not saving a dime if your insurance company won't pay your claim. I recommend going to epinions.com to see what actual customers have to say about various auto insurance companies and how they pay their claims. Visit http://www.LowerRateQuotes.com or click on the following link to get free car insurance quotes from A-rated companies and see how much you can save. You can get more insurance tips by checking out their "Articles" section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to buy auto insurance online.
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Elizabeth Newberry |
2007-02-13 |
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Title: Cheap Auto Insurance For Your Car
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There are many ways to get cheap auto insurance for your car. Perhaps you want to switch auto insurance companies in order to obtain cheap auto insurance for your car. Or, maybe you want to make some safety changes to your car in order to get cheap auto insurance for your car. Whatever you want to do, chances are you will spend some time searching for the auto insurance company that will give you the cheapest auto insurance quote for your car.
However, the situation can change when you are buying a new car. You may or may not already have an auto insurance policy. You may or may not want to keep that auto insurance policy. Whatever the case, part of the shopping process when you are shopping for a new car is to make sure you have an auto insurance policy before you drive it off the lot.
Instead of frantically searching for an auto insurance company that will give you cheap auto insurance for your new car, take advantage of one of the new features some car lots have integrated into their customers’ car-shopping experience. These car lots have set up computers with Internet access to allow their customers to search for cheap auto insurance policies for their new cars!
Not only is this extremely convenient for customers; this is also a wise financial move for car dealerships. Many times a car salesman has a sale just within reach and loses it because the customer needs to figure out his or her auto insurance situation first. With this new addition to the car shopping experience, customers can shop for cheap auto insurance policies for their new cars right inside the car dealership!
If you have the chance to use this auto insurance shopping feature, make sure you compare as many cheap auto insurance policies as possible. Don’t rush just because your new car is waiting for you.
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Josh Neumann |
2007-11-02 |
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Title: Lowest Auto Insurance Quote-how To Find The Cheapest For Your Situation
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Many people today want tips to finding the lowest auto insurance quote for them. While there are certainly many things you can do to receive a low auto insurance quote, keep in mind that the quote and the price you pay is only one aspect of the insurance; the customer service you receive and overall reliability of the company is also extremely important. Here are some important tips to finding lowest price possible, along with the best company.
Keep in mind that with the advent of online insurance quotes, the prices of auto insurance have been falling dramatically. The reason for this is that it is much easier now for customers to simply access literally hundreds of different car insurance websites and find out different quotes. This makes the process of finding the lowest auto insurance quote much simpler, because if you don't like one quote, you can simply click out of that site and go on to the next.
This makes it much easier for them to find out the cheapest auto insurance quote instead of having to call up and talk with an agent. Therefore, this makes it much more imperative that the company gives you a good price quote in order to consider going with them.
In addition to the type of car you drive, the age and the value the car also play a big factor in finding the lowest auto insurance quote. Also, your current age will play a big role as well, because if you are younger driver you can expect to pay a much higher price. Typically the older you get, the less money will have to pay, although of course other factors will come into play as well.
However, no matter what your age or current driving record, there are some things you can do to lower your insurance quote. The first is to take a drivers education course. Simply, just about every auto insurance company will offer you a least some sort of a discount order to do this.
Also, consider getting an antitheft system for your automobile. This will make the car less likely to get stolen, and therefore reduce the risk to the insurance company.
Also, when doing your research on the Internet, instead of simply going to each individual company's website, research consumer reviews of different insurance companies. There are many different websites today they will review different insurance companies in order to help you find the right one for you.
In addition to the lowest auto insurance quote company, they will give information on customer service, how well they handled claims being filed, etc. this is a great start to helping you find the best firm for your auto insurance.
Try to do this after you've done your search and narrowed your search down to at least five or six different companies that have given you a relatively cheap quote. Hopefully this information will help you to find the lowest auto insurance quote for you, quickly and easily.
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Eden Ali |
2007-08-01 |
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Title: Auto Insurance Quotes in Oklahoma
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The motto in Oklahoma is “The works takes all”
There are many ways to protect your money in the state, but the cheapest way to save money is auto insurance. CarInsurance.com propose an online auto insurance marketplace where you can parallel bigger rates and receive the cheapest auto insurance in Oklahoma. By parallel rates from different companies, you can get the lower rates and you can get a policy that helps you.We propose an opportune way to buy your auto insurance in Oklahoma, don’t waste your time and money.
Bidding auto insurance in Oklahoma: oklahomans on customary paid about $900 in auto insurance reward in 2002, collate to the national average is $914.Many people believe that all rates are immutable by auto insurance companies and regulatory agencies in Oklahoma, but in discounted rates are accessible in state, and CarInsurance.com is maybe the better place to find them.
In the state of Oklahoma, rates changed over the 2 years. Collating the usual rate to the numbers which was a few years ago, the customary auto insurance reward in 2000 was nearly $700, that’s an increasing of about 21% in 5years! Keep your money and don’t waste it paying high auto insurance reward, start protecting now by asking a quote from CarInsurance.com by online.
Minimum requirements on Auto insurance in Oklahoma:
The law of Oklahoma operates a tort system that says someone can be found to be imperfect for reason of an accident,and the auto insurance company is answerable for the all the damages. You should know that the information of a tort system changes from state to state and it is better to verify with your auto insurance regulator in Oklahoma.It is recommended that you know more about regulators of auto insurance in Oklahoma.
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ryan@thesatellitetvguide.com |
2007-03-01 |
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Title: How to Buy Auto Insurance Online - Top Tips for Saving Big Bucks
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Looking to buy auto insurance online? Want to get the cheapest insurance rate with the best insurance company? Here's how ...
1. Comparison shop - Insurance rates can vary as much as $1,000 between companies, so the first thing you need to do is get quotes at an insurance comparison site before you buy auto insurance online. (See links below)
2. Increase your deductible - Raising your deductible by a couple of hundred dollars can save you up to 50% on your insurance premium.
3. Drop your collision and comprehensive coverage - If the cost of collision and comprehensive coverage for an older car is more than the cost of repairing that car, consider dropping these coverages.
4. Bundle your insurance - Including your auto insurance with your homeowners insurance can save you 15%.
5. Use one company - If you have two or more cars you can save up to 15% by insuring them with the same company.
6. Drop duplicate coverage - Eliminate your medical coverage if you're already covered under you heath insurance policy, and drop towing coverage if you're covered by AAA.
7. Install a security device - Most insurance companies will give you a discount if you install a car alarm or other anti-theft device.
8. Request discounts - Ask your insurer what discounts are available and take advantage of them. Get all the discounts you're entitled to for such items as automatic seat belts, airbags, and anti-lock brakes.
9. Check ratings - You're not saving a dime if your insurance company won't pay your claim. I recommend going to epinions.com to see what actual customers have to say about various auto insurance companies and how they pay their claims.
Visit http://www.LowerRateQuotes.com or click on the following link to get free car insurance quotes from A-rated companies and see how much you can save. You can get more insurance tips by checking out their "Articles" section.
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