Category Archives: Auto Insurance

Save on Insurance, Get Auto Insurance Price Quotes

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According to a survey by the RateWatch for Car Insurance, those who compare auto insurance price quotes can save more on their insurance. How much can they save? More than $500 on the average. These car owners who would take time and effort to check on different car insurance price quotes get to purchase a policy that is best suitable for their needs and their budget.

There are a lot of car insurance providers out there. If you would be doing the traditional comparison to pick out the insurance policy that you want, it could take you days. You need to call different insurance companies and inquire about the car insurance policies. Then you need to spend the next few days pouring over the data you got from different companies.

An easy way would be using the different online comparison sites. You just need to provide information that would determine your insurance fee, like type and make of car, residence, driving record, etc. In just a few minutes you get to shop around and learn about the different car insurance policies available.

If you already have a particular insurance provider in mind, then all you need is to visit their website. Insurance website would usually have drop down boxes where you can select the make of your car and enter information so you could access their policy rates.

Aside from the fact that shopping around and scouting for better rates could definitely help in reducing the amount you have to spend on insurance fees, discounts could also help you save money. For example, there are websites that would ask if there are any safety features installed in your car since they could give a discount for this.

The reason why you are shopping around and looking for different car insurance price quotations is for you to get the best deal in the market. But before you sign up and settle for one insurance provider, make sure that it does not only offer good rates but is also a stable force in the market.

How to Get a Cheap Auto Insurance Quote

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It’s always an exciting experiencing purchasing a new car. Now you have to find the best way to protect it. This means getting auto insurance with the best coverage for the lowest price. Without auto insurance, you are basically a ticking bomb waiting to explode. So many bad things can happen with just one accident. Having insurance will provide you with a piece of mind and most importantly protection.

Getting a cheap auto insurance quote isn’t hard. Here are some factors to determine if you can get a cheap auto insurance quote.

First, auto insurance companies are going to run your driving record. If you have multiple violations such as speeding tickets and accidents, your rates will be more expensive. A lot of people say “well it’s just speeding tickets, I never been in a accident before.” Studies have shown that people who speed are much more likely to get in an accident then someone who obeys the speed limit. Insurance companies will take note of that and increase your rates because you are more prone to getting in an accident. To get a low rate you’ll need to have little to no violations on your record.

Second factor will be your age. If you are a teenager and just received your license, your insurance rates are going to be higher then a more experienced drive, whose been driving longer. Studies have shown that younger people with little driving experience are also more prone to getting in an accident. Generally, women will also pay less then men.

Third, the insurance company will check your credit history when you are getting your rate. (Don’t worry if you are getting a quote online, they will not ask for that) Although your credit doesn’t affect your driving in anyway, auto insurance companies want to make sure that you are able to pay your monthly statements. If you have poor credit, your rates might be a bit higher or you might even get declined with some companies. (Don’t worry if you get declined, there are plenty of companies to choose from, and there will always be one that will insure you)

And for those who don’t have such great driving records, or credit history, a great way you can save money is by taking a defensive driving class. Most insurance companies will give a discount once you’ve completed the course. It shows insurance companies that you want to be a safe driver to prevent accidents. Another thing you can do is, make sure you purchase a car with good safety ratings, and a good anti-theft tracking system. Having a car with high safety ratings means that if you get in an accident, you are less likely to be injured. When you get injured, insurance companies have to pay out of lot of money and they definitely don’t like doing that. Having an advanced anti-theft tracking system will help as well. It will prevent thieves from trying to steal your car and if it does get stolen, it can be tracked.

Lastly, if you are insuring multiple cars, you can always ask your insurance company for a multi car discount. It’s not abnormal that you can insure two cars for the price of one car. Make sure you ask the auto insurance company if they offer this type of discount because not all of them do. Some insurance companies do Home Insurance as well and having your cars and home under one policy will definitely help you save on your rates.

So, in conclusion, these are the ways to get a cheap auto insurance quote. Please use the links on the top or side to get a free insurance quote. It’ll take less then 3 minutes and you will have quotes from all the leading auto insurance companies.