Online Auto Insurance Quotes

December 12, 2017 · Posted in General Articles on Car Insurance · Comment 
auto insurance
Are you searching for better auto insurance rates? Are you tired of feeling as though you’re overpaying despite your spotless driving record? If so, it’s about time you started shopping around for the best auto insurance rates from a new auto insurance company. Thanks to the web, motorists are no longer limited to dealing exclusively with local agents and hoping for the best deal. Instead, the internet has opened a new door for those who are looking to compare auto insurance rates and get the best value for their money.

When shopping for auto insurance online, the process of choosing a company is a bit more involved than simply asking your neighbor which local agent they work with. When shopping for auto isurance online, you may be required to do a bit more footwork while researching the auto insurance company, but in the end, it can pay off in a very big way. The best way to find a respectable auto insurance company is to research their history, learn about their policies and how long they have been in business, check their reputation with the Better Business Bureau and request a free auto insurance quote.

What is the most common way that an auto insurance company could compete for your business? By offering the lowest auto insurance rates, correct? If you said yes, then getting auto insurance online may be the way to go. Because there’s so much more competition online, companies must work harder to get your business. In most cases, you can complete a request for a free auto insurance quote online in a matter of minutes. Depending on the specific auto insurance company, the number of requests, the day of the week, and other factors, it may take many hours or even several days to receive a response. The best part, however, is that you can shop from a nation of auto insurance companies with the click of a button and never even have to step out your front door.

Free auto insurance quotes online are very valuable for any number of reasons, including the obvious fact that they cost you absolutely nothing. Not to mention, the option is very convenient for someone who lives in a rural location and perhaps isn’t close enough to visit several auto insurance companies or doesn’t have the access to a great number of companies because of the fact that they reside in a small town. Where there’s less competition, the prices are higher. But the internet has certainly changed the face of competition by bringing a multitude of options to those who either enjoy the convenience that the internet can offer or those who need the competitive pricing that simply can’t be found in their area. Whether you are shopping for Pennsylvania auto insurance, New York auto insurance, Florida auto insurance, Arizona auto insurance, California auto insurance or anywhere in between, you can search for discount auto insurance rates from the comfort of your favorite recliner.

The information in this article is provided 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.

Auto Insurance in United Kingdom

December 8, 2017 · Posted in General Articles on Car Insurance · Comment 
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It is compulsory in the United Kingdom to have auto insurance if you want to drive a car. If you are liable for the consequences of an accident the UK auto insurance will pay for damage or loss and compensation due to other person. Though auto insurance costs rises, it still rather competitive market and you can save money on your auto insurance premium in different ways.The minimum legal amount of auto insurance required for driving a car in the UK is Third Party Only (TPO).Though many auto insurance companies no longer offer this type of cover.

There are many factors that can decrease or increase your auto insurance premiums and some UK auto insurance providers are cheaper in different ways.For example, some auto insurance providers insure only women drivers because accordingly to statistics they are less to make claims, some will insure only if you have over 40% No Claims Discount, some specialise in convicted drivers and young drivers.

Minimizing a risk to the UK auto insurance provider is another factor to consider when you apply for car insurance.Auto insurance providers take into consideration all risks, such as the type of car, the type of driver, the amount of vehicles stolen from an area,their driving history in order to calculate the “risk”. Often mileage is considered by auto insurance providers when they calculate the costs of your insurance premium. If you keep your car off the road at night you’ll reduce the risk of making a claim for violence or vandalism, theft and so on. Of course, there are many other factors which you can’t change so easy and they affect your auto insurance premiums. Among them there are age, sex, postcode, and even your profession. All of them can influence the cost of your auto insurance. Most of the companies are much like bookmakers. The car insurance company basically takes a gamble based on carefully analyzed statistics. Read more about auto insurance in UK here

Auto Insurance Michigan: The Online Option Provides Many Options As Well As Quick Insurance Formalit

November 14, 2017 · Posted in General Articles on Car Insurance · Comment 
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There are a number of websites where it is possible to obtain multiple rates offered by numerous insurance companies that provide auto insurance Michigan. In fact, the auto insurance Michigan rate is available for free and that too almost instantaneously, which makes it a very efficient means of selecting the right auto insurance. If you are a car owner seeking car insurance Michigan, use the Internet to find the available information about rates as well as how to get the auto insurance because online Car Insurance sites have plenty to offer as far as real time services are concerned, which makes getting auto insurance in the least possible time frame a very real possibility.

Many Low Rates Are Also Available

With so much information available, the auto insurance Michigan option throws up many different auto insurance companies quoting different auto insurance rates, which makes it possible to comparison shop, and thus gets the best possible deal. You will be sure to find some very low rates and car insurance Michigan makes it possible to compare different rates as no other state can.

You can find auto insurance Michigan rates from online Car Insurance companies for a number of towns in Michigan such as Ann Arbor, Detroit, Clinton as well as Dearborn and many more. If you own a car in these locations within Michigan you won’t have to do any special scouting since the Internet has the complete information that can be easily tapped into to find the best car insurance Michigan.

The average premium that you will expect to pay for your auto insurance Michigan should be in the range of four thousand dollars, and though this was applicable four years back, there are still many premium rates that fall below this average, because of the stiff competition existing between different Car Insurance companies in Michigan. Thus, you can save a lot on your insurance premium if you avail of the many insurance quotes available from various auto insurance agencies.

With these affordable and effective insurance rates available, you should make it a point to get your auto insured as a topmost priority as this will be your fallback in case of an accident or loss of vehicle. Neglecting to do so will put your well-being in danger, and place unnecessary financial burden on your shoulders, which can easily be avoided by taking out an car insurance Michigan at the very earliest.

Though every state in the United States has its own insurance policies, Michigan State does also have a no-fault policy, which allows the car owner to claim insurance compensation irrespective of who is to blame for an accident, though such amount of compensation may have some limitations. When you choose your auto insurance Michigan, do so on important factors and not just based on the cheapest rates available.

By: John Hilaire

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Tips for Getting the Best Auto Insurance Rate Possible

October 4, 2017 · Posted in General · Comment 
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If you are like most automobile owners, you have probably shopped for auto insurance at least once in your lifetime. And like most of those people, you may have wondered whether there was really anything that you can do to lower the price of your insurance. Well, the good news for you is that there are certain steps you can take to lower your auto insurance premium. Some of the information provided in this article may seem obvious or be viewed as common knowledge by some people, but we hope that you are able to take away at least a couple pieces of information that will help you lower your annual auto insurance premium. If you can, then we have accomplished our goal! 

Auto insurance companies generally take into account several factors when determining your rate, such as driving record, geographical location, vehicle model, coverage limits, vehicle safety features/anti-theft devices, operator discounts, prior insurance, and age. (And in some states and with some companies–sex, marital status, where the vehicle is kept at night, and credit score are also factors) While many of these factors are difficult, if not impossible, to change, there are still some relatively simply steps you can take to save money.

The 11 steps you can take to lower your auto insurance premium are:

(Note: we have tried to list the steps from the most obvious to the least obvious)

1.) Needless to say, try to avoid being involved in accidents or receiving moving violations by driving defensively and obeying all traffic laws–This is by far the most important way to reduce your auto insurance premium (plus it is safe and smart!).

2.) If you already own a registered vehicle, make sure to keep your insurance current, without a lapse in coverage, since many insurance companies provide much better rates to individuals who already have current insurance and have an established history of insurance coverage. Note: If you have had a lapse in insurance on a registered vehicle, we recommend getting insurance coverage as soon as possible and THEN do more shopping for better rates. Since you will have re-established your insurance, you will now be (PRESTO!) an insured motorist and most likely able to secure a better insurance rate immediately with another company.

3.) If you have an anti-theft device on your vehicle, make sure to let your insurance company know about it. If you do not have an anti-theft device already installed, consider adding one if you have comprehensive coverage on your vehicle. Insurance companies generally offer discounts for anti-theft devices from 5% to 20%, or more, of your comprehensive coverage premium, depending on the type of anti-theft device. Vehicle recovery devices (e.g., Lo-Jack or On-Star) generally provide the biggest discount, with automatic anti-theft devices (i.e., those that arm themselves) probably being second on the list, and passive anti-theft devices (i.e., those that you must arm) and window glass etching or ignition shut-off mechanisms probably providing less of a discount. Of course, before installing an anti-theft device you will probably want to compare the savings you will receive by adding it to the total cost of installation. Depending on the cost of installation, it may not be cost-effective to install it.

4.) Check with your insurer to find out whether they offer discounts for attending a defensive driving course. These courses may normally be taken by drivers of all ages. Discounts vary by state and from company to company, but by paying a small fee and spending a few hours of your time for a defensive driving course, you may be able to save yourself approximately 5% to 10% or 15% of your TOTAL insurance premium. Note: If you are over age 55, ask about a special “Mature Driving Course” or “55-Alive Driving Course” discount. Also, if there are multiple drivers on your policy, ask whether you can receive a larger discount if all of you take the course–some companies will offer larger discounts, some won’t, but if you ask, you can at least decide which driver/s on your policy should take the course to maximize your discount.

5.) For youthful operators (generally considered to be drivers under the age of 25), make sure you ask the insurer what discounts they may be eligible for. This may seem obvious, but it is amazing how many people miss out on significant savings because they forget to ask about specific discounts for younger drivers. Driver’s Ed or Driver’s Training and Good Student discounts are the most common types of discounts for youthful operators, but always ask if other discounts may apply.

6.) Always notify your insurance company when you have changes that may be beneficial to you. For instance, if you were single and are now married, make sure to let the insurer know. If you used to commute a far distance to work, but now have a shorter commute or work out of your home or are retired, you will most likely be eligible for a lower rate. If you used to park your car in your driveway or on the street and now park it in an enclosed or covered garage or shed, you may get a lower rate. As a basic rule of thumb, if it seems to you that you are less of a risk due to some change in your life, chances are your insurance company will think the same thing and give you a lower rate.

7.) Check rates for higher Bodily Injury (BI) limits. That’s right, HIGHER limits! Believe it or not, it may be substantially cheaper for you to have limits for BI coverage of 50/100 or 100/300 than it is to have the state minimum coverage. One of the reasons for this odd phenomenon is that insurance companies consider you to be less of a risk if you are the type of individual who would be conscientious enough to have higher limits of BI coverage. Insurance companies have shown statistically that drivers who have higher BI limits are, overall, better risks and less likely to be involved in accidents or losses. Therefore, you can insert yourself into this group of drivers that is viewed more favorably by your company by carrying higher BI limits. Note: If you currently carry lower BI limits, your insurance company may not immediately rate for the change–you may have to wait until the next renewal to see a price change, or, in some cases, you may have to increase your BI limits and then shop for other insurance so that companies give you “credit” for your higher limits.

8.) Consider taking full coverage off of that older vehicle that is paid for. Many, many people carry full coverage on an older-model vehicle they own that may only be worth a couple thousand dollars. Even if they have a total loss of their vehicle, they may only receive a small amount of money for their vehicle after the deductible is taken into account. Yet, they may be paying several hundreds of dollars extra every year for full coverage. To save money, compare what you would receive for your vehicle if you had a total loss to what it costs to carry full coverage, and then make an educated decision. Note: Taking full coverage off of an older vehicle probably makes the most sense when the drivers of the vehicle have a good driving record, since they are even less likely than the average person to have an accident and file a claim.

9.) If your credit score has recently improved, contact your insurance company to find out whether they will re-run your credit score to possibly give you a lower rate. Most auto insurance companies now use credit in one form or another to accurately rate a policy. Whatever your personal opinion is of this practice, it is the standard method of operation for most auto insurance companies. (Note: There are states that have made laws against use of credit for auto insurance rating purposes. In these states, this step will not help you.) Because your credit score is a MAJOR factor with some companies, an improvement in your credit may save you a LOT of money, but only if you request that they re-check it).

10.) Check on how much it would cost to add comprehensive coverage, collision coverage, or both to your vehicle. Surprisingly, some companies actually offer lower rates if you have comprehensive, collision, or both, than they do for liability-only policies. This is definitely counter-intuitve, but it is based on the same principle mentioned above regarding higher BI limits–the insurance company may view you more favorably (as far as risk is concerned) if you are an individual who would at least carry more than the basic coverage on your automobile. So, when you shop for quotes on a vehicle, you may want to check what the difference in price would be between liability coverage, liability plus comprehensive coverage, and liability plus comprehensive and collision coverage.

11.) Lastly, periodically contact your insurance company to see whether they may be able to place you with one of their underwriting companies that is designed for “better” drivers (“better” according to your insurer’s rating factors–they are not judging your “goodness” or “character” for this!). Normally, insurance companies (particularly the larger companies) have multiple underwriting companies (subsidiary companies) that specialize in underwriting different categories of drivers based on the company’s risk assessment of you. If you are not in the insurer’s “best” underwriting company (reserved for their “best” risks), you always have room for improvement with that company, and by simply asking to be considered to be placed in one of the underwriting companies for “better” drivers, you may be able to save yourself a LOT of money over the years. Note: You may only have a real chance of being placed in a better underwriting company if your driving record has improved dramatically over the last couple or several years or if, in the states where credit may be used, your credit score has improved. Either or both of these improvements may give you leverage with the insurance company to request that their underwriters review your policy for placement with a better underwriting company.



Twelve Ways to Save on Your Auto Insurance Policy

September 9, 2017 · Posted in General · Comment 
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Want to save money on your car insurance? Here are suggestions from the Insurance Information Institute (III). 

1. Comparison shop. Use consumer guides online from your state’s insurance department. These guides tell you what coverages you need and show you sample auto insurance rates, usually from the biggest companies. Get auto insurance quotes from at least three insurers.

2. Ask for higher deductibles. When you file a claim, a deductible is the amount of money you pay before your auto insurance company pays for the rest of the damage. Higher deductibles mean lower premiums. For example, increasing your deductible from $200 to $500 on collision and comprehensive coverage could reduce that portion of your premium by 15 to 30 percent, according to III.

3. Drop collision and/or comprehensive coverages on old cars. If your car is totaled in an accident, you receive the actual cash value of the car. Although auto insurance companies use their own criteria to determine fair market value for vehicles, you can get a ballpark estimate from Kelley Blue Book. For older cars, it may not make financial sense to pay premiums over many years to maintain collision and comprehensive coverage.

4. Buy a “low-profile” car. Cars that are expensive to repair or that have a high theft rate have higher car insurance rates.

5. Take advantage of low-mileage discounts. Some auto insurance companies offer discounts to drivers who put fewer than a predetermined number of miles on their vehicles each year. And with the high price of gasoline, driving less makes financial sense.

6. Consider auto insurance rates when making a move. Car insurance rates tend to be lowest in rural communities and highest in cities, where more traffic congestion occurs and the likelihood of theft increases.

7. Ask about discounts for air bags and other safety features. Your insurance agent can tell you know about these discounts when you purchase your coverage. Most policies give discounts for air bags.

8. Ask about anti-lock brake discounts. Some states require insurers to give discounts for cars equipped with anti-lock brakes. Some auto insurance companies give the discount no matter where you live.

9. Ask about other discounts. Some insurers offer discounted auto insurance quotes for insuring more than one car, having no accidents in three years, being a driver over age 50, taking driver-training courses, having anti-theft devices and being a long-time customer. Plus, remember good-student discounts when you are insuring a student who drives.

10. Buy your home and auto policies from the same insurer. This will entitle you to a “bulk” discount.

11. Find out about group discounts. Sometimes group auto insurance policies are available through large employers, professional groups and other organizations.

12. Maintain good credit. Your credit rating may affect your car insurance rates. Use of credit scores in setting auto insurance prices varies by state and insurance company, but statistics show that drivers with good credit records tend to have fewer accidents.

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