What Level Of Auto Insurance Do You Need

The level of auto insurance that someone might need depends on the financial circumstances of the individual concerned and the cost of the car involved. Take for example someone who has a brand new $50,000 motor, it would be sheer folly to do anything other than take out one of the best auto insurance policies available and the cost of the auto insurance is likely to be insignificant when considering the overall annual cost of the car.

However, if you have a car that is nearing the end of its life, have a low cost car and previous claims or are a new driver then the cost of the auto insurance versus the benefits you might receive need to be given greater consideration. Comprehensive auto insurance premiums are likely to be disproportionately high for older vehicles, new drivers with low cost autos or drivers with accident history.

Whatever your circumstances you are legally obliged to take out a basic level of auto insurance that will cover you against third party claims and given the level of damages awarded seem to be increasing out of control then my advice would be to get the best possible third party liability auto insurance cover that you can afford.

The legal requirements for auto insurance does vary from state to state so you'll need to clarify the level of cover you require when taking out auto insurance but only insuring to the legal minimum isn't necessarily the best choice to make.

If you have a lot of money sunk into your car or your auto is leased then you really should take out comprehensive and collision auto insurance to cover you for things such as fire, theft, acts of god or collisions that are your own fault.

If you live in an area where cars are regularly vandalised you might want to consider comprehensive auto insurance when perhaps you wouldn't have otherwise done so. The cost of your auto insurance will generally be higher if you live in such an area but that is something you have to weigh up against the cost of repair.

Personal Injury Protection is something that everyone should consider as this element of your auto insurance will cover medical costs associated.

Despite legal requirements some people still persist in driving around without auto insurance leaving the others with a need to insure against the uninsured motorist. Uninsured auto insurance will cover you for damages in the event of an accident with an uninsured motorist. Again, insurance that everyone should give serious consideration to given an auto accident could leave you unable to work or your family without any means to earn.

If you want a more comprehensive auto insurance policy but want to limit the cost then you could look at opting for a higher level of deductibles. Deductibles are the amount you would have to pay before you could make a claim against your auto insurance policy and generally, the higher level you agree to the lower your auto insurance premiums.

Auto Insurance Does Not Mean The Same Things To People In The Financial Profession

It is amazing how much literature has been written about the car insurance business online. The main approach in use by the bulk of the writings is in the direction of selling car insurance, rather than offer it in the proper context of insurance product or 'a product to protect your assets and wealth.' That is why when searching for the phrase 'auto insurance' a large number of websites emerge with the 'selling' phrases like affordable auto insurance, or cheap auto insurance or low cost auto insurance.

In the early part of 2011 and according to Google AdWords there were 8,100; 74,000; 9,900 monthly searches for the above key phrases, respectively. On the other hand, there were only 110 searches for the phrase 'reliable auto insurance', 170 searches for 'quality auto insurance', and 8,100 for 'top auto insurance companies.' It is rather easy to conclude that most of the searches on line are about price, not quality of insurance.

A basic principle in marketing is to understand what people 'want' and design and package your product or service to meet what the folks want. Looking at those numbers we can tell that most people want cheap auto insurance. As a marketer, if you design any campaign without considering that analysis you may eventually flunk the marketing tests, close your website and go do something else.

So what's the difference between auto insurance polices? From a 'financial planning viewpoint' car insurance comparison should never be based on price only, and perhaps most people agree that cheap insurance is not necessarily the best car insurance. But what most people do not know is that an insurance policy with the best rated company may also be one of the most problematic contract. An auto insurance policy should be compared in reference with three factors:

1. Price: of course the cheaper the better.

2. Company Rating: Non standard companies are more flexible than their standard or preferred counterparts with regard to past violations found on the MVR activities of the drivers and the credit score of the car insurance applicants. However, non standard companies are harsher than others in customer service and paying claims. Most of complains come from non standard insurance companies. While preferred companies do not hesitate to quickly pay for smaller claims suck as seven or eight thousand dollars claim, or even little more; all companies from top to bottom will try to examine the application to see if they have to or do not have to pay a $100,000 claim.

3. Liability Limits. This is the most ignored, least understood, but is the most important aspect of the policy which affect customers during time they need the insurance. It measures how much protection you have in the event you get sued. A professional financial advisor will never ever sell you an auto insurance policy at low limits if he/she has enough information that you and your spouse have enough wealth to be sued for in the event that you or a family household member cause a major auto accident and your car insurance pays the maximum on the policy which turns out not to be enough.

There are many insurance policies sold with superior insurance companies at the lowest liability limits mandated by the state. In the State of Illinois these limits are 20/40/15, which means that in the event you cause an accident that is your fault and you get sued by others, then your company will pay to others on your behalf no more than $20,000 for bodily injury for one person, no more than $40,000 for bodily injury for all other people in the accident, and a maximum of $15,000 for any and all property damage you case in that accident. If you are a business owner and you cause a major accident resulting in a unbeaten lawsuit of $300,000 and your insurance company maxed the payment on the policy and paid $20,000, the difference of $280,000 will have to come from your own money!

Financial Planners and Auto Insurance Marketers Are Not in Harmony

Financial planners are not in harmony with insurance marketers about the weight that needs to be placed on limits of liability in auto insurance. Marketers like to stress the aspects of price and company rating, while financial planners like to stress the importance of liability limits first, then company rating second, and perhaps price at a later stage.

Although financial planners and auto insurance marketers have the common goals of maximizing their earnings while providing their services, the scope of their operations is different. Auto insurance marketers make their money by selling as many polices as they can have. The marketer does his best to make as many sales as possible, hence making small amount of money on too many policies sold. Financial planners work differently as they try to make big money from each of the few number of customers they have. Selling an auto policy is not the primary concern of a financial planner, but for him or her auto insurance is one of the fundamental subjects of the financial planning process.

Car insurance agents look at auto insurance as a way to protect the car itself in the event of theft, fire or another loss, besides the fact that it's the law. Financial planners look at auto insurance as an integral part of their clients risk management process. To the financial planner an auto policy is not to repair the car in the event of loss, but is mainly about protecting the assets and wealth of the insured, especially against potential lawsuits.

Some auto insurance marketers would even suggest to cut down on liability insurance as a way to save money. No sound financial planner will ever make such a suggestion. No way!

When does height matter?

How high your liability limits should be is the main issue that should prevail when you buy car insurance. You probably need only the minimum liability limits mandated by the states if /when(1) you shopped for higher limits and could not afford it, (2) your current assets or wealth is not big enough to expose you to further lawsuits in the event of at fault auto accident. (3) you are a high risk driver where no one else wants to insure you except at the minimum limits. But, if you have certain amounts of assets and wealth, or is expected to have sizable assets or wealth, then you need to worry about the height of your liability limits.

What about if you are not wealthy with plenty of assets? Even for people with little or no wealth, the height of liability limits should be much of a concern to them. This is due to the fact that liability insurance contains certain coverages to pay for your bodily injuries in the event that you get hit by a vehicle that is legally uninsured, or is insured but the insurance on that vehicle was not enough to cover your bodily injuries. According to the Insurance Research Council, approximately 15% to 17% all drivers in the United States are uninsured. Coverages for Uninsured Motorist (UM) and Underinsured Motorist (UIM) vary from states to states with regard to their mandatory status and limit amounts. In Illinois UM is mandatory at the limits of $20,000 for bodily injury per person and $40,000 for bodily injury per accident. Underinsured motorists coverage is not mandatory in Illinois but insurance companies must offer it to clients for policies issued with liability over the state limits. Clients can still reject to have higher uninsured/ underinsured motorists but it must be in writing. As you can see, your liability only policy provides coverage for your bodily injuries, and making sure that you have high limits on both liability, UM and UIM can have tremendous effect on your life.

Ever Wondered What An Auto Insurance Claim Adjuster Does?

An auto insurance claim adjuster works for the insurance company with whom you purchase a policy. Some insurance companies use independent adjusters so that they get an unbiased report. When you have an accident and make a claim on your insurance, the company will send out an adjuster to access the damages and come up with an amount of money that will be needed to complete the repairs. The auto insurance claim adjuster has to contact the garages to get an estimate of what the parts and labor will cost.
When you report a claim for an accident to your auto insurance, they will contact the appropriate adjuster. The auto insurance adjuster assigned to your case will contact you to get the details on where he/she can assess the vehicle. Then you will receive a report from the insurance company regarding the assessment the auto insurance claim adjuster submits. If the damages exceed the value of the vehicle, it will be "written off".
The amount you get on your auto insurance policy depends on the policy itself. If the auto insurance claim adjuster determines that the vehicle is written off, the insurance will pay you the book value of the vehicle. This could be more or less than what the car is worth. With some auto insurance policies, you can pay extra to have a clause included stating that if the vehicle is written off within the first two years, you get the full amount that you paid for the automobile.
There is a certain process that an auto insurance claim adjuster has to use to come up with the amount the insurance company will pay. You will usually get two quotes - one that will see the car getting repaired at a top of the line garage and another if you take a cash settlement on the claim and get the work done yourself. The auto insurance adjuster knows that many people have friends who can do the work cheaper and often take the money.
Once you decide how you want to proceed, the insurance company will issue a check. If you are paying on the vehicle, the check will be made out jointly to you and the lender. Otherwise the check comes directly to you. The job of the auto insurance adjuster is only to access the damages, Any dispute you have regarding the report made by the auto insurance claim adjuster has to be done through the insurance company. Keep this in mind because the adjuster is only an ordinary person like yourself trying to make a living.
An auto insurance claim adjuster doesn't have an easy job.

Want to Reduce Your Auto Insurance Costs? Let Me Count the Ways!

We all complain about the mounting cost of automobile insurance. So what are our options to lower our auto insurance expense? Take a look at the following list of opportunities to reduce your auto insurance.

1. Plan For And Include Auto Insurance Costs Into The Cost Of your Auto Purchase
To begin with, buying a car is a significant initial expense and auto insurance is a sizable subsequent expense in your ongoing cost of ownership. You should always look into what your insurance costs are going to be on any vehicle you consider buying.

2. Research Auto Insurance Rates On Different Makes And Models Before Buying Your Car.
Insurers rate vehicles on a risk scale based on statistics that cover a range of factors such as exposure to risk of injury or theft, vandalism, flashy or sporty vehicles, cost, cost to fix, past claims history, overall safety record, etc. The higher the risk, the higher the insurance premium. Many insurers offer discounts for low-risk vehicles such as sedans and station wagons. Check out this information with your state or provincial insurance agencies before you to decide what car to buy.

3. Research And Get Quotes From Several Insurance Agencies
Once you have decided on a make and model of car, the best way to make sure you are getting the most affordable price for your auto insurance policy is to do your research and compare, quotes. You should obtain a number of quotes from different insurers as coverage costs from one insurer to the next can vary by hundreds of dollars, and possibly thousands of dollars. Get at least three price quotes. Call insurers directly or get online quotes. Provide the same coverage, deductibles and limitations so you can compare apples with apples. Nowadays, comparison sites do all the legwork for you and provide competing rates side-by-side. Visit some of the sites advertised on my website listed below.

4. Save Money By Raising Your Deductibles
You can reduce your insurance premium considerably by increasing the deductible on the comprehensive and collision portion of your insurance policy. However, keep in mind that in the event you have an accident and file a claim, you will have to pay the deductible out of your own pocket. So make sure you can afford to do that. You can save 10 percent or more by increasing your deductible from say $500 to $1,000. If your claim is $2500 and your deductible is $1,000, you will pay $1,000 and your insurance company will pay $1500.

5. Save Money By Purchasing Home And Auto Insurance From the Same Insurer
Purchasing your home and automobile insurance policies with the same insurer may qualify you for a further discount, which may shave up to another 10% on both policies. Most insurers offer this saving as an incentive to get your home insurance business too.

.6 Save Money By Including All Vehicles Under The Same Policy
Similarly, many insurers offer a multi-auto discounts for those who insure more than one car on the same policy. You can save up to 10% by placing more than one vehicle under the same policy.

7. Save Money By Maintaining A Good Driving Record
Your driving record is a significant factor in determining your insurance rate. If you have a clean driving record (without accidents, traffic tickets, drunk driving convictions, etc.,) you may be eligible for further discounts on your auto insurance policy. A bad driving record can become very costly in terms of insurance premiums, as you may take three years or more to wipe out past misdemeanors off your record.

8. Save Money By Maintaining A Good Credit Record
Insurers are increasingly using credit information to price auto insurance policies. Developing and maintaining a solid credit history can reduce your insurance costs. To protect your credit status, pay your debts on time, don't get more credit than you need and keep your debt balances as low as possible. Review your credit record often and ensure your record remains accurate by getting errors corrected promptly.

9. Save By Asking For Low Mileage Discounts
If you are retired, semi-retired, car-pool or use public transportation to go to work, and generally keep your annual car mileage as low as possible you may be eligible for a low-mileage discount. The low mileage limit is generally around 10k-12k miles per year depending on the state or province you live in.

10. Research Other Discounts
Other discounts may be available if you meet certain conditions. Examples may include age group, low mileage, occupation, if you install an alarm or other safety devices in your car, taken a defensive driving or drivers education course, are a member of an auto club, or loyal to the same auto insurance company for a number of years. These discounts vary by insurer.

11. Inquire about Group Insurance
Some insurers may offer discounts to drivers who obtain insurance through an employer provided group plan, through professional, business and alumni groups, or trade associations. Ask your employer and check with groups or clubs you are a member of to see if you are entitled to such discounts.

12. Drop Collision Coverage On An Older Car
If your car is 10 years or older, you may want to consider removing the collision coverage on your policy. Before you do this, you need to weigh the cost of the collision coverage with the value of your car and your chosen deductibles. For example, if you had a 12-year-old car that was worth about $1,000, and your deductible was $1,000, that collision coverage is worth zero. However, remember that you will have to bear the cost of repairs directly out of your pocket should you get into an accident.

13. Take Defensive Driver Training Courses
Safer drivers pay lower insurance rates. Taking state and/or insurer approved defensive driving courses in the past 3 years will get you reduced auto insurance premiums.

14. Install Safety And Anti-Theft Devices In Your Car
Insurers may give you discounts on your auto insurance if your car is equipped with one or more of the following options: Anti-lock brakes, automatic seat belts, and airbags. Similarly, anti-theft devices such as car alarms and tracking systems may also get you a discount because they reduce the chances of your car being stolen or vandalized.

15 Reduce Auto Insurance By Moving
If you move from urban big city traffic location to a rural area with little crime and traffic congestion, your premium will generally be lower. Of course, you would do this only if it is in keeping with other life-style decision factors.

16. Where Do You Park Your Car?
If you park your car in a garage, you may be entitled to a slight premium reduction. Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles.

17. Develop A Relationship With Your Insurer
If you have been with one insurer for a long time, most will charge an existing client who has more than one recent claim less than they would a new client in the same situation.

18. Keep Your Insurer Up To Date
Make sure your insurance company always has correct and up-to-date information on file. For instance, if you relocate from an urban to a suburban or rural area, your rates may go down.

The key to auto insurance savings is not the discounts, but the final price. An insurer that offers few discounts may still have a lower overall price. The discounts listed may not be available in all states or provinces or from all insurance companies, so once again, it pays to do your research as the savings are just too significant to lose!

How To Get A Cheaper Auto Insurance For Teenagers

Lower auto insurance for teenagers nowadays is had to find. This is not a form age discrimination, but rather a cautious step taken by insurance companies to keep themselves in business. But no worries, with this article you'll be sure to pickup some pointers.

Oh! I also compiled more articles that you should read before buying any auto insurance to avoid regrets later. You can view them at my site, look for the link at the bottom of this article.

Insurance companies look at auto insurance for teenagers differently. Most teenagers don't have driving records. So insurance companies just make sure they give themselves a cushion and charge high premiums on auto insurance for teenagers.

Following this article may give you some ideas on how to get a lower auto insurance.

Tip # 1 to get a cheaper auto insurance for teenagers

The cheapest way for a teenager to get a low auto insurance rates is by simply adding them to an existing auto insurance policy. So by all means find a way to achieve this. Although there are always limitation to this strategy but be sure to talk to your auto insurance agent and find ways on how to make it work.

Tip #2 to get a cheaper auto insurance for teenagers

Be a good student. This might sound far off but there's a logic behind the madness. Good students with grade "A" and active in school associations are considered to have less tendency to be mad max behind the wheel. This might sound unfair but I'm not the one making the rules. So if you can try to have good grades or at least join some school clubs to be a little trustworthy to the eyes of insurance companies.

Tip #3 to get a cheaper auto insurance for teenagers

If possible try to make choices that would result to closer distance between work, school and home. This would reduce your exposure to the road and might give you a chip when negotiating for that cheaper auto insurance.

Getting that cheaper auto insurance for teenagers may a little bit tricky. But by following those simple tips, it may gain you a little edge. Sometimes that's all it takes that bag that elusive cheaper auto insurance for teenagers.

Auto Insurance Terms You Should Know

In order to be successful and proficient in all business it is very important that one familiarize himself with the terms of that particular field of interest or business he intend establishing. That is why knowing such terms will undoubtedly build you basic knowledge of your field of interest and eventually lead to you success in it.

Take a moment to review some of the terms associated with auto insurance and quotes before going into it as this will be very much helpful to you in your auto insurance policy success.

Adjuster

Also known as claim adjuster, this is an insurance company worker who is primarily responsible for investigating and settling all claims brought by claimants or insurance carriers resulting from a specific casualty. His responsibilities also include the evaluation and payment of the available or each claim to the policyholder.

Payment of claims is usually carried out only after all proceedings are verified. The claim may as well depend on the active insurance or coverage policy available of the item.

Accident

This is an unplanned, unforeseen or unintended event beyond the control of an insured, resulting in the loss of property e.g. car. The incurred loss can be compensated as a claim to the claimant by the carrier. The claim is based on what is observed and the actual cash value of the car or items involved.

Auto insurance companies try in the best of their abilities to supply sustainable, efficient, quality, and affordable policy coverage to their policyholders. They also aim at increasing the savings of their insured to meet specific needs e.g. building a big collection of policyholders.

Actuary

This is a specialist who computes premiums and risks of insurance. They are duly involved in the calculation of loss reserving, life expectancy and determining accident frequency. They serve as one of the key ingredients in an insurance company.

They also primarily help in making profit and financial stability of carriers (insurance companies) which they serve and involved in trends assessment as well as determining insurance prices.

These specialists also have a share in managing the carrier's expenditure and the giving of claims to claimant on any needed basis. They help in ensuring that neither the carrier nor the insured suffer unnecessary loss.

Accident Frequency

This refers to the number of times there occur an accident. The frequency is calculated during the time of the insurance policy. The actuary normally computes the frequency of accidents to help determine possible losses.

It should be noted that the phrase may not actually mean the number of times or frequency an accident really does occur but the number of times an accident may occur due to the prediction of the actuary. Premiums can also be accurately and appropriately paid using this principle.

Appraisal

It is a formally written document of the estimation of the value of property of the insured. This is done as against any future casualty resulting in the loss of property.

When an appraisal is eventually damaged, it can be completed or replaced by the adjuster of the insurance company or sometimes a vehicle repair expert.

Additional Insured

It is an individual or organization who also has an auto insurance protection under the primary name insured auto policy. The protection may be extended form an auto leasing company to an individual who lends a car (s) to the primary insured.

In the event of an accident, damage or collision, the leasing person or company has protection against the specific casualty caused by the name insured.

Agent

He is a licensed insurance representative who sells insurance for an insurance company, negotiating and/or effecting insurance contracts. He serves as the middle man in providing quality insurance service to the policyholder.

Insurance agents usually carry out their work on a commission basis and in most cases they are non-exclusive or perhaps exclusive agents.

Agreed Price

This is the cost of repairs of damage to property as agreed upon by the adjuster and the corresponding representative of the body shop. Whenever an incurred loss occurs resulting in an accident to a car, the cost of repair agreed on will be used as a claim to the claimant.

The cost neither increase nor decrease as the price for any resulting damage for the car has already been agreed upon.

Agreed Value

This is the value of the vehicle agreed on by the insured and the insurer which will be paid out on the event of an accident or any other form of unforeseen damage.

It is a policy available mainly for custom vehicles or collectible which actual value remains the same over time without depreciating.

Assigned Risk Plan

Auto insurance plan managed by the state and mostly for individuals and car owners who cannot afford to obtain or qualify for auto insurance or conventional liability coverage due to financial insufficiency or poor insurance record.

They may be placed in residual market in order to get an insurance policy with carriers or insurer but for a higher price. Their coverage is through the state.

Discount Auto Insurance - Get Low Rates And Superior Coverage

Auto insurance rates can be quite expensive. If you are in shopping for auto insurance or just comparing rates between your current insurer and competing insurance companies, you may want to look at the rates offered by discount auto insurance providers. Discount auto insurance companies offer superior coverage at prices that could be significantly lower than your current insurance rates.

Most states require auto insurance. While the requirements in each state may vary, even purchasing the minimum amount of auto insurance that is required in your state may be quite expensive. A discount auto insurance company can help you significantly lower your premiums and still give you superior coverage and excellent customer service.

A discount car insurance provider can help you decide which coverage is right for you and how much coverage is necessary. Discounts for insuring more than one car, safe driver discounts, and discounts for good students are just a few of the additional savings that can be fully explained to you by your discount auto insurance company. Even if you have traffic violations, need an SR-22, or do not currently have auto insurance, there is a discount insurance provider than can give you the coverage you need and still save you money.

Discount auto insurance is available across the country. You can save money each and every month and you could even get better coverage than with your current insurance company. Protect yourself and your car with an auto insurance policy from a discount insurance provider. Discount auto insurance companies offer the same types of coverage as your current insurance company while giving you superior customer service. Friendly, knowledgeable insurance experts will handle your claim quickly and professionally.

If you are paying too much for auto insurance, take the time to shop for discount auto insurance. You could save hundreds of dollars each year and still receive the type of coverage and service you expect. Discount auto insurance companies offer the same coverage as the higher priced insurance companies, you will receive top-quality customer service, and prompt attention to any questions or claims you may have.

Contact a discount auto insurance company for all your insurance needs. Protect your car and yourself and save money at the same time.

To view our recommended sources for insurance and read more articles about
insurance, visit: Recommended Auto Insurance Companies [http://www.ezerk.com/articulos.php?category=51].

Looking for Online Auto Insurance Quotes in Florida?

The average auto insurance premium nationwide is about $920 and yet, residents of Florida paid as much as $1,100 in 2003 alone. Insurance rates do change and if you don't arm yourself with the right kind of information, you could be paying for more.

If you want to get auto insurance in Florida, you can use online tools to get quotes and find the best, most affordable policy available. But first, you might want to learn more about the minimum requirements imposed in the state of Florida before you buy one. The two main laws you need to know about are: the No-Fault Law and the Financial Responsibility Law.

Florida's No-Fault Law requires that you should acquire insurance coverage for your vehicle that stays within the state for at least 90 out of the 365 days of the year. The No-Fault Law provides coverage for you and your vehicle, just in case you sustain any injuries in case of an accident. You'll need a minimum coverage of $10,000 for personal injury protection and another $10,000 for property damage.

Florida's Financial Responsibility Law provides coverage for damages sustained to another vehicle or person/s in case of an accident where you are at fault. You'll have to prove that you have enough insurance coverage in order to pay for vehicle damage or passenger injuries. The minimum coverage: $10,000 for bodily injury for one person, $10,000 for property damage and $20,000 bodily injury liability for two or more persons.

It's important that you get enough insurance coverage if you're living or using a vehicle in Florida 90 days out of a year. You stand to lose your driver's license and registration if you don't. You might have to avoid touching a motor vehicle for up to three years if you get suspended.

In case you don't have coverage and you do get suspended, you can still get an auto insurance policy before the date of suspension. The insurance company can certify your insurance proof through an SR-22 form. If you try to get auto insurance coverage after the date of suspension, you'll be slapped with a $150 fee for reinstatement. Another thing to remember, you'll have to get insurance proof from a company licensed to operate in Florida if you want to get a license plate or to register your vehicle.

Once you know what's required to get auto insurance in Florida, you can now shop for the best policy that will be a perfect fit for your particular needs. Try going online to find auto insurance quotes. Many insurance companies offer their product quotes for free - a good thing to have if you're looking to do comparative shopping. Here are a few sites to check:

insurance.com

By simply answering two questions on this site, you'll get a free auto insurance quote in seconds. Just indicate whether or not you have a current auto insurance policy and provide your zip code. A great thing about this site is that it offers a lot of information regarding insurance, especially those tailored for residents of Florida. Other than your free online auto insurance quote, you'll want to stick around and read some helpful tips on choosing auto insurance and auto insurance pricing report. Learn more about auto insurance to avoid paying for more than you need.

dmv.org/fl-florida/car-insurance.php

This site is quite an obvious source for online auto insurance quotes. You can log on to http://www.dmv.org and click on the link to Florida state to get access to insurance quotes. The site provides free quotes from four companies: Progressive Direct, Esurance, Comparison Market and Net Quote. All you need to do is enter your zip code and you'll receive a free quote from each. Whether it's your first car or your fifth Mercedes, this site is a great help if you're looking to compare quotes and save on insurance. Save money without sacrificing your auto insurance coverage.

carinsurance.com

Low cost auto insurance in Florida is a priority in this website. This is a one-stop place for getting a quote, buying an auto insurance policy and finding all the information you need to help you shop as an informed consumer. Simply provide your zip code and you'll find the most affordable auto insurance policy quotes.

unitrindirect.com

Like most sites providing online quotes for auto insurance in Florida, this site allows you to find the best insurance policy by simply entering your zip code. There are also great tips for car owners regarding auto insurance and related information such as, info on liabilities like property damage and bodily injury, collision coverage, towing coverage, personal injury coverage and many more. Everything you've always wanted to know about getting auto insurance is in this site.

Hot Tips for Low Cost Auto Insurance

Do you want low cost insurance?

If you are paying more than $5,000 per year for auto insurance, here are some things you need to consider. Low cost auto insurance companies have been known to charge this amount and higher car insurance. What can you do to acquire low cost auto insurance? You may be able to lower your cost by a considerable amount of money with some helpful hints.

The first method to getting low auto insurance cost is to get rate quotes from several different insurance carriers. There are many types of insurers out there, so you should consider the type of company as well. There are low cost auto insurance companies that sell online exclusively. There are those that sell only through outside agents. There are low cost insurance companies that sell only their own products.

Shop and compare each type of low cost auto insurance carrier to ensure you are getting the low cost auto insurance you deserve. Remember, you can always call your state's insurance department, who maintains information on major low cost insurance companies. Utilizing all of the resources available to you will help you obtain low cost auto insurance.

Another way of procuring low cost auto insurance is to know the cost of the insurance of you next car. Car insurance cost is based, among other things, on what your car is worth and what the repair costs will add up to. Low cost auto insurance companies maintain a list of the most frequently stolen cars. If your prospective car appears on this list, be ready to pay higher premiums. Investigate which cars have the best safety ratings and the lowest repair costs. Lower car repair costs often equal low cost auto insurance.

Higher deductibles are another way of getting low cost auto insurance. When you increase your deductibles, you lower your premiums by as much as 15 to 30 percent. Call your low cost insurance agent or check online to see what kind of impact changing your deductible will have on low cost auto insurance. For example, if your existing deductible is four hundred dollars, see what would happen if you raise it to six hundred dollars, or even eight hundred dollars.

Low cost auto insurance method four is to know the value of your car. You can call your auto loan provider for this information, or you can look your car up in the Kelly Blue Book. If your car is older, consider reducing the coverage. You may not need collision if your car's replacement value is less than the insurance premium.

Low auto insurance method five is to buy all of your insurance from the same company. In other words, get your home insurance, auto insurance, flood, and fire from your low cost auto insurance carrier.

There are even some insurers that give low cost auto insurance discounts to customers that have been with them for quite a few years.with in a timely manner.

Secrets Your Auto Insurance Company Doesn't Want You to Know

Many drivers rely on good faith and may not expect to be forced to sue their auto insurance company in order to receive payment for expenses resulting from a car accident. Typically, most just want to have their car repaired and their medical bills paid.

Unfortunately, the auto insurance attorneys of Michigan Auto Law deal with many car insurance companies on a daily basis that take advantage of their customers by cutting off their benefits without reason or notice. Some insurance companies also put people "under investigation"- the excuse for stopping payment of all medical bills and wage loss. People are being ignored, threatened, intimidated and even lied to by their insurance claims adjusters.

The following are common tactics used by many auto insurance companies to either avoid or minimize their payouts to customers. Suggestions are included on how you can protect yourself to avoid or minimize problems with your automobile insurer.

1. Many restrictions and limitations are buried in your policy's fine print

Knowing how to read and understand the fine print of auto insurance policies is not an easy task. Auto accident lawyers have seen far too many people lose out on important benefits because they were unaware of important filing requirements buried in their policies. For example, many auto insurance policies pose strict notification requirements, such as 30 days notice for hit-and-run accidents. Many contracts have separate conditions for uninsured and underinsured motorist coverage requiring very prompt notice, and insurance carriers can change their policy filing requirements at any time. When car accident victims do not respond to notification requirements on time, they can lose their coverage.

How to protect yourself:

Notify your insurance company immediately after any type of accident. Be sure you have your complete auto insurance policy, including any notification of coverage changes from year to year. This can also include pamphlets or notes that are mailed with renewal statements, reflecting any policy terms and changes. Most policies include declarations, conditions, insuring agreements and exclusions with conditions.

It's also important to check insurance policies for any benefits that overlap with your own health and disability insurance; and to review any additional coverage (such as uninsured and underinsured motorist coverage). When receiving ongoing medical care for car accident injuries, having a solid understanding of insurance policies can help ensure that health care providers bill appropriately.
If you are confused with your auto insurance policy and have questions, don't hesitate to contact a lawyer who specializes in auto accidents - most are happy to offer advice and guidance for your protection.

2. Insurance agents don't always recommend the best coverage

Following a car accident, there can be numerous issues and challenges navigating health insurance plans, managed care plans, retirement plans such as ERISA, and coordinated/uncoordinated policies. In addition, insurance agents may avoid mentioning important coverage options and applicable discounts due to payout losses or lower premiums that reduce their commissions.

Many people choose to carry more insurance coverage so they will not be personally liable if they cause a serious car accident. However, some people only pay the minimum insurance premium to renew their license plate each year, and then let the auto insurance lapse. Without an uninsured/underinsured motorist policy, a driver or family members severely injured by an uninsured motorist will have no source of legal recovery for their injuries other than filing a lawsuit against the uninsured driver for his or her personal assets. Most people do not have sufficient personal net worth to compensate a person that they have seriously injured.

How to protect yourself:

If you are injured in an auto accident, contact an experienced auto accident lawyer who is best qualified to provide guidance on issues of which insurance is primary, and who will pay medical expenses that are incurred after a crash.

If you carry ERISA health insurance, uncoordinated or primary coverage is the safe move. An insured person with both ERISA and coordinated insurance may end up recovering nothing for their pain and suffering in the event of an auto accident.

Check your insurance policy for uninsured/underinsured motorist coverage of at least $100,000 per person and $300,000 per accident. If this type of coverage is missing, contact your insurance carrier to add it - the cost is minimal and highly recommended to protect you and your family.

Raising your deductibles to at least $500 or more can also lower your auto insurance premiums by 15 percent to 40 percent. Consider dropping collision and/or comprehensive coverage on older cars. If your car is worth less than 10 times the premium, eliminating those coverages can save you money, unless you still owe money for the car. Finally, if there is any reduction in the amount of miles you drive annually, contact your insurance carrier for quotes on low mileage discounts.

3. Accident Settlement Offers Are Always Too Low

Imagine you just suffered devastating injuries from a car accident and are now recuperating at home, in pain, and worrying about how you are going to pay your bills. An insurance agent knocks on your door with a check for $100,000 for your accident. With the emotional and physical trauma following a car or truck crash, a large amount of money sounds great, and some victims rush into accepting the first settlement offer. Yet determining the value of an auto accident case goes far beyond a simple calculation of injury type, future expenses not covered by no-fault insurance and the wrongdoer's policy limit. Offering to settle is essentially a backdoor approach by insurance companies to saving litigation costs at the expense of an accident victim's right to a full recovery.

How to protect yourself:

It never hurts to call an auto accident lawyer and ask for advice. Many lawyers can explain accident law, what you are entitled to and make sure your own insurance company is paying everything they are supposed to - with no fee or obligation.

4. Releases and Recorded Statements Are Pushed Early On to Overwhelm Accident Victims

Many victims rush into signing adjusters' documents without having the language reviewed by an auto accident lawyer, believing these are just basic verifications of the accident. Therefore, they may lose their right to sue a negligent driver for accident-related injuries. Claims adjusters often try to get recorded statements early, aiming to minimize the victim's pain and injuries for later use in court. Even vehicle damage releases can contain unrelated language that can jeopardize your other claims.

How to protect yourself:

Never give statements to an accident claims adjuster and never sign a release or allow the adjuster to look at the auto damage. Simply tell the adjuster that you need to review the paperwork with your attorney and will get back to them with your response. No matter how desperate you may feel after suffering the financial burden of medical bills, lost wages and disabling pain, involving an auto accident attorney will ensure your rights are protected. Keep in mind that the claims adjuster works for the insurance company, and has its best interest in mind - not the injured victim.

5. Standard practice is to deny or delay claim payouts

Most people suffering injuries from a car accident call their auto insurance company to find out what to do next. They assume that when they follow the process, they will receive fair, timely compensation for injuries resulting from the auto accident. After all, they paid for the auto insurance for that reason - to be covered in the event of a car accident.

Yet many insurance companies engage in common delay tactics including denying claims, not returning calls, placing people on hold for extensive periods, requiring a victim to repeatedly gather records, and passing you from one adjuster to the next. Soon the financial burden of time off work and mounting medical bills drives innocent car accident victims to contact an attorney. Or worse, it makes them desperate enough to accept an extremely low settlement offer, limiting any future recovery of damages.

How to protect yourself:

If you are experiencing these typical delay tactics, contact an auto accident attorney who can assist you with getting your claim processed and the benefits you are entitled to under your state's law.

Bottom Line:

If your auto accident involves injuries to you and/or your family (even seemingly minor injuries), consult an auto accident attorney as soon as possible. Not only will you better understand what benefits you are entitled to, but you will have the peace of mind knowing that you received the full value of benefits and compensation available to injured drivers.

Do An Auto Insurance Comparison And Benefit From The Savings

It is very important to do an auto insurance comparison when you need insurance for your vehicle. Even if you are happy with the quote you get from your regular auto insurance company, it helps to shop around just to make sure you are getting the lowest possible rate. It is not hard to do an auto insurance comparison when you do an online search. There are many sites that will give your side-by-side quotes from at least three insurance companies and often you can get as many as six quotes.

You can get as many quotes as you want to compare one auto insurance quote to another. All you have to do to get an auto insurance comparison is fill in the online form to request a free quote for the coverage your want. On thing that you have to make sure of when doing an auto insurance comparison is that you are comparing quotes for the same type of coverage.

The price is not the only factor to look at when you do an auto insurance comparison. You really have to look at how long this company has been in business. When you compare an auto insurance quote you may find that newer companies are offering much lower quotes just to get your business. While this may be great, it is very likely that the rates will go up the following year, leaving you scrambling for another insurance company with a cheaper rate.

If you don't have any traffic violations or convictions you won't have any difficulty getting a good price when you compare auto insurance quotes. If you have had several accidents, then you may have to do an extensive auto insurance comparison to find one with a price that suits your budget. This is because your record of accidents puts you in a bad risk category and that drives up the rate.

Experts advise that you should always ask for free quotes on auto insurance from different insurance agents well in advance of the expiration date of your present insurance. This gives you plenty of time to do an auto insurance comparison and to contact the company to ask about any discounts that may apply to you, such as a military discount. Then when you have done your auto insurance comparison you are better informed when you sit down and actually pay for the policy. You know what specifics to ask questions about and some of them may surprise the agent you deal with.

Do an auto insurance comparison, you may be surprised.

You Can Get Lower Auto Insurance Rates - Deregulation of Massachusetts Auto Insurance

Massachusetts drivers can choose from a variety of auto insurance companies including some new insurers in this very competitive auto insurance coverage industry. Deregulation of the Massachusetts Auto Insurance market began on April 1, 2008. With deregulation of the auto insurance industry in Massachusetts, this law promises to not only bring down auto insurance rates, by adding more competition, but it also serves as a test of Deregulation of State Policy that has been in effect for almost thirty years.

Auto Insurance Rates won't be set by the State

Auto insurance rates will not be set by the state; however, the controversy over who gets to insure the State's worst drivers will remain an issue. The newest Auto Insurance Providers which are going to start marketing in Massachusetts, might be exempt from covering high risk drivers with poor driving records, for three more years. This will allow new insurers to build up a competitive edge when competing against the current auto insurance providers in the state.

More Options for Low Cost Auto Insurance for Consumers

The Commissioner of Insurance will still approve rates for auto insurance premiums, the changes will allow Auto Insurance companies in Massachusetts to offer many new insurance plan options. Consumers will be able to select more customized auto insurance plans and so the new law creates more insurance choices. The new auto insurance plans include new limits for plans and more range in deductibles which will allow insurers to be able to customize auto insurance plans.

Advantages from this deregulation may include:

• Lower premiums for good drivers

• Credit based pricing decisions - so, if your credit is good you could pay less

• Surcharges can be defined by the Insurer instead of the State (in a competitive situation this could lead to lower surcharges for good drivers)

• Deductibles that can vary depending on circumstances, your history

• Rates based on family size

How do you find the Best Auto Insurance Company?

At the time this article was written, there were nineteen Auto Insurance companies offering auto insurance in Massachusetts. Most of the state's licensed auto insurance agents only represent a few of these companies. So in order to find out who is offering the best plans, you may want to look to several different resources while doing your auto insurance plan research.

The Internet provides you with a considerable amount of disorganized but relevant information. You can do online research, if you know how to do sift through lots of web sites to find what you need to know. But we all have searched online and spent hours looking at what we needed. With so many Auto insurance companies in Massachusetts having web sites online, you can search online for hours and not find the best low cost auto insurance plans.

If you want to trim down your search you may want to visit us for more information on the new updates to Massachusetts Insurance plans as they become available. We offer free information on the latest developments for insurance plans of all types. Need more information on your state insurance, individual, health, ppo or hmo plans?

Please visit us for a free guide on "How to Buy Insurance Online"
You can find this guide and many other helpful tip guides on insurance right here: [http://www.BusinessHealthInsurance.com]

Tips To Help You Easily Find The Best Auto Insurance Quotes

Finding the best deal on auto insurance can either be an extremely difficult and boring task or it can be simplified enough to where its not viewed as a chore but as a way of protecting one of your most valuable investments (your prized car or automobile) for a reasonable price that you can comfortably afford. Naturally, when comparing the competing offers and quotes from the various auto insurance providers there are a few things you should be aware of in order to guarantee that you get the most amount of insurance at the very best rate or insurance premium cost.

Probably the number one feature that many consumers compare among the various car insurance companies they are thinking about purchasing their next auto insurance policy from is the price of the automobile insurance coverage. Let's be honest, this is a valid reason, especially in today's slightly inflated economy and with gas prices on a continue rise. The first thing that should be done when comparing auto insurance quotes is to make sure the insurance policies being quoted are similar among all of the auto insurance providers. Normally insurance quotes are provided free of charge and they usually last or stay redeemable for about a period of 30 days. You also can easily compare prices online at each insurance providers company website or by speaking with a customer service agent or representative on the telephone.

Although using the cost or price for your next auto insurance policy may be a good start when comparing auto insurance coverage providers it definitely shouldn't the only factor used to determine which company to obtain your next auto policy from once you actually decide to make a purchase. You should also keep in mind the quality and financial soundness of the auto insurance company. A company that offers the best rates but doesn't have the financial resources to pay out any insurance claims made does you no good along with a company that is stingy with its insurance money. Make sure and check the credit ratings for all of the insurance companies you are interested in using for your next auto policy. Another good idea is to check with your friends and neighbors to get their opinion on the auto insurance provider that currently insures their automobile.

Finally, don't forget that no matter how good the auto insurance company looks and even if the premium or monthly insurance rate fits in your budget if the auto insurance provider doesn't meet your needs as a potential customer then they really don't deserve your business. Customer service means a lot nowadays so if it takes 30 minutes to speak to an insurance representative or if you are unable to access your auto insurance policy or account online due to constant computer problems then it may not be worth the time and aggravation even if the insurance rates really are the cheapest.

Compare Auto Insurance and Save Big Time

In the past, before the internet revolution, most people found themselves going with whatever their car insurance broker recommended. If you wanted to compare auto insurance, it usually took a long time going through the phone book and calling up various companies to check on their rates. Things have changed.

With the emergence of the internet, auto insurance comparison has become much easier, and with a few clicks of your mouse you can quickly and easily see a variety of quotes online. Taking the time to compare auto insurance prices is imperative now days, and it can also save you a great deal of money.

Compare Auto Insurance Prices

Of course one of the main things you want to do is compare auto insurance prices. Check out various companies and see what kind of insurance rates they have to offer you. Some people are paying very high car insurance rates; however, if they only took the time to do some auto insurance comparisons, they could save hundreds of dollars a year. Never be content with the first quote you get, and go on to see what kind of deals other insurance companies can offer you.

Compare Auto Insurance Plans Too

Not only should you compare auto insurance prices, but you want to compare the plans that they offer as well. When you compare auto insurance, one company may seem to have the better deal price wise, but when you check out the plan, it may not offer everything that the more expensive plan offers. When you are comparing insurance, be sure that the plans offer similar coverage when you compare the prices.

Know Your Needs When Doing Auto Insurance Comparison

When you are doing an auto insurance comparison, it is important that you know your car insurance needs. Know whether you need full coverage, comprehensive, collision, or if you just need liability insurance. If you are prepared and know what you need out of your insurance, you will be able to get a more accurate quote. Remember, not only do you want a great price on your insurance, but you also want to know that it covers all of your needs.

As you can see, taking the time to compare auto insurance is a great idea. Now days, with the internet available, it will not even take you very much time to sit down and get a few quotes to compare. So, what are you waiting for, why not see how much money you could be saving on your auto insurance today and take a few minutes to compare auto insurance prices.

Auto Insurance Quotes - Guide to Finding the Cheapest

Consumers should keep two important factors in mind when searching for an auto insurance company. First of all, we all want to obtain a cheap auto insurance company, but what most of us ignore is the quality. It is important to make sure that not only do you find a cheap auto insurance company, but a company that will give you the expected customer service.

You're probably wondering why your friend or family member is getting such a cheap auto insurance quote from a certain insurance company, but when you called to get your quote, it was outrageously expensive. Many of us may not realize that although a particular driver is getting the best rates from one auto insurance company, it can also be the most expensive insurance company for you. Each auto insurance company will give different auto insurance quotes for different driver categories. You may or may not fall into a preferred category of a certain auto insurance company. If you don't, most likely the auto insurance quote you get from them will not be cheap. In the other hand, if you do fall into an insurance companies preferred category, you're quote will be among the cheapest.

That is why it is important to obtain several auto insurance quotes from multiple companies. The bottom line is that you need to find out which auto insurance company will offer the category that you fall into, the cheapest possible quote for auto insurance.

Although there are many companies out there, you don't have to pick up the phone and call each auto insurance company individually to obtain your auto insurance quote. Thanks to technology, you can now log into many auto insurance websites and with one simple process, obtain an auto insurance quote from several companies. Some websites also allow you to purchase the auto insurance online and print your proof of insurance immediately.

You should take the time to look into the history and stability of any auto insurance company that you obtain a quote from in order to make sure you are not purchasing insurance from a company that will not give you the run around when it comes to providing service. All insurance companies are given a letter grade by AM Best, a rating company, with an "A++" being the best rating possible"A" being the best and so forth. AM Best is a company that assigns the grading system, you may want to inquire about an insurance company's grade before you decide to buy auto insurance through them.

Once you found your cheapest auto insurance quote and have inquired on the background and quality of an insurance company, feel comfortable with your decision of buying your auto insurance policy online. If you buy your auto insurance online, you may have the benefits of managing your insurance policy right from the comfort of your home. That includes making your premium payments, making changes to your policy and even filing insurance claim online.

Copyright (c) 2007 Cesar Diaz

Cheap Georgia Auto Insurance

Compared to the rest of the United States, Georgia is regarded as one of the most affordable when it comes to auto insurance. Statistics show that the average annual auto insurance expenditures in Georgia totals around $900. The range of auto insurance premiums basically varies from one state to another.

The main types of auto insurance include fully comprehensive auto insurance policies, third party (fire and theft) policies, third party insurance and specialized car insurance.

Why get an auto insurance?

Auto insurance covers expenses that are incurred in vehicular accidents, fire damage, and theft. With this kind of policy, any auto owner is secured against several forms of losses.

Principally, this policy covers the policy owner, the automobile and the third party involved in the mishap. Owning auto insurance policies is a great advantage for you and your family as well as for your vehicle.

Important Considerations

Auto insurance is basically expensive. Logically, the more you pay for your premiums, the more coverage your insurance company can provide. Even if auto insurance policies in Georgia rate as one of the lowest, statistically speaking, you can still devise ways to lower your premiums.

One of the easiest ways to lessen the amount you will pay is to secure higher deductible rates. It is also important that you possess a blemish-free driving record. It would be best if the car that you have is not regularly involved in a car accidents. If you possess several cars, it would be better to insure them with the same company, as the company can give you a multiple-car discount. As much as possible, you should get all your other insurance needs (housing, life, etc.) from the same company so that you can get package discounts.

Unlike other states, your credit rating is not as significant in Georgia when it comes to auto insurance. It is better to focus on your own driving records and the many discount possibilities that insurance companies offer. For example, most insurance companies offer discounted rates for drivers over 55 years old and for students who have a 3.0 grade point average. Some companies offer discounts for people who carpool. Others offer discounts to drivers who have taken an approved driving safety course.

3 Secrets Of Cheaper Auto Insurance Cost

Renewing an auto insurance or just applying for a new one? Either way you can get some insights from this article to help you get a cheaper auto insurance cost.

Oh! I also compiled more articles that you should read before buying any auto insurance to avoid regrets later. You can view them at my site, look for the link at the bottom of this article.

Secret #1 of getting a cheaper auto insurance cost

Shop and compare - This old age technique almost works on all fields of life. Whether buying a car, house or a pair of pants. Don't buy the first auto insurance quote that's been thrown at you. You might find get hit with a large auto insurance cost and even get a bonus headache for it. Always get a lot of quotes from different insurance companies and find the one that suits for you. Remember the cheapest is not always the best, its better to find the cheapest and the one that would cover your needs.

Secret #2 of getting a cheaper auto insurance cost

Find the Right Car - Driving the right car has a significant impact on auto insurance cost. Taking car model as an example. Sports cars have naturally higher insurance cost than Toyota sedans. Insurance companies know that this type of cars has more built in risk in them. Other factors that include are mileage, age and value of car. Checking this stuffs before purchasing a car is the best way to go. But if you have already a vehicle then keep it in check regularly.

Secret #3 of getting a cheaper auto insurance cost

Master Yourself - The most crucial factor that would certainly get you a cheaper auto insurance cost is yourself. Are you a responsible driver or a reckless one? Are speeding tickets normal to as tissue papers? Insurance companies regularly evaluate your driving habits. Basically the more law abiding you are the higher chance of getting that cheaper auto insurance cost. You can also do the extra mile such as taking advance driving course.

These secrets are no really secrets at all. Yet following this simple advice would almost certainly get you a cheaper auto insurance cost.

Getting Online Auto Insurance Quotes

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 online, the process of choosing an auto insurance company is a bit more involved than simply asking your neighbor which local agent he/she deals with. When you shop online, you may be required to do a bit more footwork on researching the auto insurance company, but the end results 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 auto insurance company, the number of requests and day of the week, it may take hours or 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 changed the face of competition by bringing a variety of options to those who either enjoy the convenience that the world wide web can offer or those who need the competitive pricing that simply isn't available 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 Pricing in Texas: Why Some Insurance Policies Are More Expensive Than Others

For some, shopping for auto insurance in Austin, TX can be a difficult and confusing process. Texas auto policies can be somewhat complicated and differences in price should be analysed and accounted for in order to choose the best auto policy or company. For the average consumer, the process of getting auto quotes from different insurance companies and understanding why some policies are more expensive than others can be complicated. This article tries to inform the consumer why some auto policies are more expensive than others and gives the reader some tips on how to research auto policies in Austin, TX and receive the most value for their dollar.

Different Insurance Companies Have Different Customer Service Levels

One factor that accounts for price differences among auto policies is quality of service. As with other service products, there are many levels of service among auto policies and auto insurance companies. From well-known national brands to lesser known local insurance brokers, the insurance shopper has many options to choose from. Each auto insurance company and product offers their own customer service experience and level of quality and these differences are usually reflected in their premium prices. When shopping for insurance policies and talking to insurance companies here are a few tips for determining what level of service you can expect to receive from a particular insurance Company:

When you have account or billing issues or need to initiate an insurance claim, who do you speak with at the company? Some companies are structured where you speak with an individual agent or agent office for most claims and account management issues. This structure is best suited to people who want a more personalized experience. When you call these types of companies you will generally speak to one of a few people in the office. The benefit of this type of setup is that these people will oftentimes know you and your particular situation and will have generally built a professional relationship over you over time.

Another structure that you will find, usually with lest costly insurance policies, is the call center environment. With these types of insurance companies you will generally be directed to a call center if you call with claims or customer service issues. A call center is a larger, less personalized customer service experience. In this situation, the representative you speak with will most likely be in another city, state, or country. There will be a large pool of representatives for you to deal with and it is very unlikely that these people will know you personally or know your particular situation. In this type of system you may be rotated among different call center representatives and speak to a different person each time you call. Some people do not like this type of system because it is far less personalized customer service experience than the preceding example.

Differences in coverage can account for price differences

When comparing auto insurance quotes among different insurance companies or agents the consumer should to compare the different coverage amounts among the different quotes. The consumer should be aware that there a variety of different coverage amounts for such things as liability coverage, comprehensive coverage, deductibles, uninsured motorist insurance, and personal injury protection. Any difference in coverages will result in a change in the total premium for that policy. In order to compare premium costs among different insurance companies the consumer should examine a hard copy printout of each insurance quote and verify that the coverage amounts are the same among the quotes. The consumer should also make sure that optional coverages for things such as towing coverage and rental car coverage are uniform among the different quotes.

Differences in the auto policies themselves account for price differences

Auto polices in Texas are regulated by the Texas Department of Insurance (TDI). The TDI is a government entity whose function is to regulate the insurance industry in Texas. Some things the TDI regulates for insurance policies are premiums levels and policy contents. The TDI tries to assure consistency among insurance policy types and the specific coverages that are included in different types of auto policies. Although the TDI regulations strive to maintain consistency among insurance policy offerings between different insurance policies, there are situations where differences in coverages will differ between the same type of policy. Oftentimes these differences won't be disclosed to the consumer and they won't know that they're not covered for a particlar item until they need to put in a claim. When getting auto quotes, it is a good practice to compare the specific coverages among the auto policies. One way to compare coverages is to look at the website of the Office of Public Insurance Counsel http://www.opic.state.tx.us/hoic.php. On this website the consumer can compare the standard policies between the major insurance companies and make sure that they are making an apples to apples comparison between policies.

Insurance company track record and reputation affects the price of their services

In making an informed decision on Austin auto insurance, It is also advisable for the consumer to research the insurance company track record. One way to research the insurance company itself is to visit the Texas Department of Insurance website. On this website the consumer can verify the validity of licensing for the insurance company and also see if there have been any complaints or enforcement issues with particular insurance companies or agents. One final option is to visit the Austin Better Business Bureau http://austin.bbb.org/. The Better Business Bureau maintains a database of complaints against companies and is a good resource to use to investigate Austin insurance carriers. In order to make an informed decion on auto insurance in Austin it is advised that the consumer the follow suggestions contained in this article, visit the recommended websites, and do some homework. If the consumer has questions about differences in policies, coverages, or anything on the insurance policies, they should address this with the insurance agent or company representative. In this way they can make a logical, informed comparison of the auto quotes, policies, and premiums and make a smart buying decision.

How to Buy Auto Insurance on the Internet

Are auto insurance agents a dying breed? Today, auto insurance is one of those service businesses that are becoming more and more dominated by online providers.

In fact, there's some question whether auto insurance agents are needed at all anymore. Do you really want to spend your Saturday morning visiting an auto insurance office being pitched on a single car insurance company's policy when you can buy auto insurance online any time - weekends, evenings, etc. Not only that, but buying auto insurance online enables you to compare the offerings of several companies side-by-side in terms of policies and premiums. What's more, you can buy the policy online (in most states), and even file claims online.

One might well point out, of course, that many people simply prefer meeting and talking face-to-face with an insurance agent, rather than simply pounding a computer keyboard. For one thing, they may feel more secure about transferring money (premium payments) in person than on the Internet. For another, they may prefer having a knowledgeable individual they can communicate with and ask questions of.

But the number of such people as a proportion of the adult population is clearly dwindling. According to market research firm ComScore, 67.5% of 2,000 U.S. consumers surveyed last year said they would consider purchasing their next auto insurance policy online. Auto insurance purchasing online has been growing at an amazing 55%+ rate over the past couple years.

Therefore, whether you're looking for a replacement policy or for your first policy, online auto insurance offers a number of benefits: cost-savings, convenience, speed, and better information about available policies from a range of insurance providers.

Nonetheless, before you sign up for a policy, whether in-person or online, make certain you're familiar with the basics of auto insurance.

Basics of Online Auto Insurance

If you drive a car in the U.S. you need insurance. That's an obvious fact. But what kind of insurance and at what price?

Liability insurance. As you may know, there are two basic types of liability insurance, namely bodily injury and property damage. If you buy a 25/30/25 coverage that means the insurer pays up to $25,000 for bodily injury per person, $30,000 for bodily injury per accident, and $25,000 for property damage per accident. So this would be a relatively low amount of coverage, and you must assess your own situation in deciding what level of coverage is best for you. All states, except New Hampshire and Wisconsin, require that you carry liability insurance.

Collision. This category of auto insurance covers your property damage and medical expenses in an accident in which you are at fault.

Comprehensive. This type provides coverage for loss from accidents other than collision, or from theft, for example property damage sustained from flood, fire, or vandalism.

Uninsured/underinsured motorist. Pays you if the other driver in an accident does not have insurance or does not have enough insurance. (It's not required in all states.)

Personal injury protection. Pays your unrecovered medical expenses as well as lost wages resulting from an accident. PIP may also include a death benefit. (About 16 states now require PIP coverage.)

A source of confusion are so-called "no-fault" auto insurance program. In a no-fault system, all drivers pay their own accident costs, no matter who is to blame. It was for a long time thought that this system would reduce litigation thereby holding down costs. It didn't happen. In fact it usually resulted in higher accident rates, higher costs, and higher insurance premiums. As a result, most states that had enacted no-fault laws repealed them (DC, NV, PA, NJ, GA, CT, CO, FL). leaving only Michigan, Kansas, Hawaii, Massachusetts, Minnesota, New York North Dakota, and Utah. However a couple states - New Jersey and Pennsylvania - adopted "choice no-fault", allowing drivers to choose between no-fault and a traditional policy. (Results, in terms of premium levels, have been mixed so far.)

Keeping Your Premiums Down

To the average consumer, insurance firms may seem to have some strange ideas about what factors to consider in setting your insurance rates. For example, I once found my rates increased after another driver hit my car, and when I called the company, and explained that the accident had not been my fault, the customer service rep answered, "Yes, but you were in the wrong place at the wrong time."

That is, it's all a numbers game, and there's no real effort to achieve equity in setting rates. So to win the game you have to provide the company with numbers that will result in reasonable premiums. Some of these you have some control over and some you don't. Among the factors that will be taken into account are: age/gender (single males under 25 get higher rates; women generally get lower rates); location (New Jersey and California rates are high; urban rates are higher than rural rates; many companies now even look at your zip code); driving history (if you've filed one or more claims in the past five years, this will boost your premium significantly; so will a speeding ticket or other violation, even if no claim was filed); amount you drive; type of car (expensive cars get higher premiums, so do cars with high rates of theft, like the Toyota Camry and Honda Accord; so do off-road vehicles and large SUV's).

Finding an Auto Insurance Company on the Internet

If you run a Google, MSN or Yahoo search for "car insurance" or "auto insurance" you'll see that this is a crowded business on the Internet. There are literally hundreds of companies advertising auto insurance online. However your best bet is to use one of the companies which allow you to order online, like Esurance.com or InsureMe.com.

You'll soon notice that each online insurance company has its own little qualifying process and series of screens it forces you to go through before it give you a quote.

Esurance.com is a good example. It starts by asking you for your zip code - an easy enough question. Then on the ensuing screens they request detailed information -- How many cars you are insuring. How many drivers. Year/Make/Model of your car. Uses of your car. Discounts for which you may be qualified, such as airbags, antilock brakes, car alarm, etc. Coverage you are looking for. And so forth.

The Esurance.com application process is actually fairly simple, and takes only a couple minutes - after which you're provided with a specific quote from Esurance.com, which is a virtual (online) insurance provider.

By contrast, another website, InsureMe.com takes you through a very similar application process, but concludes without providing you with a specific quote. Instead, it lists several brick-and-mortar insurance companies which will contact you later, either by email or phone, with specific quotes. This has the advantage that you will be able to compare policies and quotes, and the disadvantage that you will have to wait awhile for the companies to contact you.

Other auto insurance aggregators (as they are called) have other processes -- some, for example, run your credit report as part of the process.

In any case, as a final step in choosing a policy, you may want to take a little time to check out your selected insurance provider at AMBest.com, particularly if it's one you're not familiar with. To do so you'll have to create an account on AMBest.com to look up an auto insurance company's rating, but it's fairly simple to do so. Once you've created your account, click on "rating and analysis" and input your company's name. Companies are assigned a letter grade from "A++" downward. You'll definitely want your selected company to have at least a "B" rating, which is "good."

Incidentally, even if you already have what you think is a reasonably-priced policy, it's usually still a good idea to apply online to see if you can get a better premium rate. After all, there's no obligation and it only takes a couple minutes. According to a recent survey of consumers by the industry publication EDP Weekly, one in three people who shopped online for auto insurance and then bought a new policy saved more than $500 with some saving $1,100 or more.

Helpful Options To Finding Cheaper Auto Insurance That Will Save You Money In The Long Run

There are plenty of cheap auto insurance policies available, but you have to do some work to find them. Chances are the insurance company isn't going to come knocking on your door, because many of the companies offering the cheapest auto insurance don't spend much money on advertising. Certainly there are companies that advertise extensively on television saying they're the cheapest, but make sure you check out whether their claims are true. It's important to compare policies carefully and make sure you really are getting the cheapest auto insurance.

There are also some specific things you can do to try and get cheap auto insurance. These won't be available to everyone, but it's worth reading through the list and seeing if you can use one or two of these ideas to help lower your auto insurance rates.

Firstly, ask the insurance company about discounts - do they offer any? Lots of insurance companies now offer discounts for things like being claim free, or multi driver and multi car policies, or even good driving awards. So make sure you ask, you never know which ones you might qualify for! And even if you don't qualify right now, but might be close, it could be worth choosing that policy because of the better rates you'll get once you do qualify.

Most auto insurance policies now have a deductible, but did you know that by having a larger deductible you might be able to get a discount on your auto insurance premium? This can be a great way to get cheap auto insurance, particularly if you have a good driving history. Be aware, though, that if an accident occurs you may actually need to pay the deductible, so you have to feel confident that you would be able to find that amount of money if required.

Also, try shopping around online and getting some quotes. Hundreds of auto insurance companies have sites that offer free quotes, so take advantage of that to find the cheapest auto insurance. It's quick and easy to compare lots of different policies, but make sure that you're not putting yourself under any obligation to go through with a policy, and that there's definitely no fee payable to get the quote.

Take some time to think about the level of coverage you really need. If you're driving an older car that's not worth very much, check out the minimum level of auto insurance your state requires you to have and go with that. Remember, though, that if you're at fault in an accident, you'll get nothing if your own car is damaged or wrecked. Liability insurance is only for damage you cause to others. Still, if your car isn't worth much and you have funds available to repair or replace it if required, this might be a way of lowering your insurance costs.

These are just a few ideas to get you started, and once you start looking you'll find plenty of cheap auto insurance is available. Spend the time working out exactly what your requirements are, and that will make it much easier for you to choose an appropriate policy.

Understanding Auto Insurance

Auto insurance is a legal requirement of driving. Every driver needs it. Auto insurance is a competitive industry. It certainly is not characterized by monopoly, the traditional basis for price and entry regulation. Auto insurance is so dynamic that it is almost impossible to predict more than six months in the future how much will be paid in claims. Variables such as people moving from one place to another, explosions in popularity of more destructive vehicles like SUVs, changes in driving habits like driving while talking on cell phones, and changes in jury awards are all variables that usually cannot be accounted for until the last minute.

Auto insurance is simply about how much you are willing to pay out of your own pocket versus how much you want the insurance company to cover. Once you decide this, you're all set to purchase your auto insurance policy. Auto insurance is coverage and protection, and that can vary widely from policy to policy. Auto insurance is a must for all those owning an auto. It offers financial protection when caught in an accident.

Auto insurance is a necessity and not a luxury. In order to get the maximum amount of advantage, the experts recommend making a thorough research in order to shop for auto insurance company. Auto Insurance is not same for all vehicles, it depends on the kind of vehicle, the year etc. Some Insurance companies offer discounted Car Insurance which makes you tension free from your car damages. Auto insurance is not a contract; however, policyholders must be aware that there is the possibility that there may be an amount due after cancellation. This can be due to either unpaid earned premium, cancellation fees (range in the area of $15-$50), or policy fees (usually range from $10-$40).

Cars

Car insurance covers accidents, not diseases, and therefore it can be priced aggressively for those who are willing to take larger risks as to the condition of the car after an accident. There is no liability-only version of health insurance. Carefully read any policies or quotes so that you understand the terms of coverage. Car safety is an issue that won't go away. The best any of us can do is ensure that we are adequately covered by insurance in case the unthinkable was ever to happen.

Car insurance premiums increase. Data gathered by Experian shows that the typical quote for private comprehensive motor insurance increased by 7.9 per cent in May 2007 compared to the same period in 2006. Cars were getting better, roads were getting better (even if the drivers weren't), and insurance losses were falling. This reduction in losses meant that auto insurance premiums fell everywhere-including California.

Deductibles

Deductibles vary by state, but are most often in amounts of $100, $250, $500 or $1,000. For example, if you are in an accident that causes $2,500 worth of damage and your deductible is $500, you are required to pay the $500 and the insurance company will take care of the remaining $2,000. Deductibles This is the amount of money you must pay before your insurance company will pay for damages. Higher deductibles (more cost for you in case of an accident) mean lower premiums. Deductibles are the amount of out-of-pocket expenses you'll pay if you're in an accident. As a general rule, liability insurance is less expensive than comprehensive and the higher the deductible, the lower your premium.

Person:

Personal auto insurance is available in both California and Florida. Business auto insurance is currently available in California only. Personal injury insurance is designed to cover your medical bills, around eighty percent, and a portion of the lost wages you suffered, around sixty percent, if you are injured in a car related accident. This type of protection will cover your family members or anyone who was in your vehicle, depending on your policy and insurance company. Persons sharing characteristics with high claims groups will be charged more for insurance coverage.

Companies:

Companies normally negotiate this with each other. If you have insufficient coverage, you may have to go to court?thus displaying the tort aspect of the law. Companies use a formula to determine rates. We won?t get into the details of the formula but basically they calculate out the number of drivers they cover, the costs for the previous year including operating, accident, and liability claims, then they do some math and come out with their rates.

Shopping

Shop around: Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing auto insurance quotes between companies. Shopping by phone will be available in New Jersey sometime next year. Shop around and do it yearly. Don't just keep paying the invoice over and over without comparison shopping.

Shop around and compare rates from different insurance companies. A good place to start is the consumer auto section at the Insurance Department's website, http://www.ins.state.ny.us.

Discounts

Discounts also depend on your academic grades. Maintain good levels in your college grades and present a copy of your mark sheet to insurance company to receive substantial discounts. Discounts are offered to motorists who drive less than 15,000 miles per year - the lower the mileage, the more the discount.

Collision

Collision coverage pays for physical damage to your car as the result of your auto colliding with an object, such as a tree or another car. This coverage is optional and not required by law. Collision insurance protects drivers in the case of encounters with other vehicles, objects, people, and the surface of the road. Collision insurance will cover the driver whether or not he or she is at fault for the accident.

Additionally, an individual may require a commercial auto policy depending on who is driving or riding in the vehicle. Additionally, some companies receive ratings of R (under regulatory supervision) and NR, which means 'not rated'. The letter grades might be modified by a + or - mark.

Instant Auto Insurance Quote - Hot Secrets You Must Know!

Do you want an instant auto insurance quote? Let's explore what you need to pay attention to.

Car insurance continues to rise, affecting just about every American. While we can't really afford it, we can't afford to be without it. Therefore, it is in your best interest to get the most insurance bang for your buck.

When you shop online, you have the opportunity to receive an instant auto insurance quote from a variety of different companies.

Because instant auto insurance quotes are so fast and convenient, there's no reason not to compare different insurance companies. After all, even with identical coverage, insurance premiums vary widely.

After receiving instant auto insurance quotes from several insurance companies, it's a good practice to record your results on a spreadsheet.

That way, you have consistency between instant auto insurance quotes. You ensure an apples-to-apples comparison, and you get a clearer picture of what is available to you.

Review the instant auto insurance quotes carefully, as well as the coverages. Make sure you're only paying for the coverage that's absolutely necessary.

When you've selected the two least expensive instant auto insurance quotes, you should get a referral from a trusted auto body shop. They deal with insurance companies on a daily basis.

They know which companies pay claims and which are reluctant to pay claims. If you're ever in a position to have to make an insurance claim, you want to know that the company you've been paying is willing and able to pay for your claim.

Some experts recommend getting at least 10 instant auto insurance quotes. Obviously, this would be quite a chore when getting instant auto insurance quotes offline. You can spend
hours on hold and talking on the telephone. You can spend days trying to get not-so-instant auto insurance quotes from local agents.

By shopping online and comparing instant auto insurance quotes, you can save up to 40% on insurance premiums. Insurance is a competitive business. The advent of instant auto insurance quotes online makes it even more competitive.

Be careful and make sure that you give fully factual information on your instant auto insurance quote application. Insurance carriers will and do verify the information on the
application.

If you mislead on your application, you might find that your rate will skyrocket when your information is verified. Even worse, you might find that your coverage might drop all together. In the long run, that is the costliest move of all.

Insurance Agent Reveals His Secrets to Huge Savings on Auto Insurance

Hi Folks, my name is Cesar Diaz, I am an auto insurance broker in the state of California. I Operate two auto insurance agencies in California and an auto insurance website serving all United States. I have many years of experience as an auto insurance agent and broker and through the years, I have figured out all ways to save money on your auto insurance.

I have decided to share my secrets to saving money on your auto insurance because I don't believe that it's fair for people to pay more money for their auto insurance just because they don't know that they're eligible for a certain discount or maybe because they don't know a certain discount even exists!

I hope I don't get in trouble for sharing all my secrets but I feel it's only fair. (Maybe not for insurance companies but for the general public.) Insurance companies have enough money anyway! I believe insurance companies are among the wealthiest companies in the world. Why do you think that is? Thats because they rake in those expensive premiums that you pay for your auto insurance.

Well, here are my secrets revealed; You might want to take some notes or even print this out that way the next time you obtain an auto insurance quote, you can reference this article and make sure you get all your available discounts.

First of all, most companies will ask for basic information for the purpose of obtaining your auto insurance quote such as name, gender, date of birth, marital status, zip code, whether you have current or prior auto insurance, how long have you been licensed (driving experience), driving record history (tickets and accidents), commute distance to work and annual mileage, occupation and type of use (personal or commercial), make and model of vehicle, alarms and equipment on vehicle, and coverage desired.

When people obtain auto insurance quotes, they just answer the questions being asked by the representatives, but have no idea why the questions are being asked. What does being single or married have to do with getting an auto insurance quote? Well, all questions being asked will affect your rate. I am going to explain why all those questions effect your rate and I am going to tell you what answers will give you the best rate.

I am simply going to tell you what answers will give you the best rates; however, I do not suggest giving false information when obtaining a quote. It is important to give accurate answers but at the same time, it is important to know what answers will give you the best rates because if you don't currently fall into the "low rate" categories, you might in the future and since you know, you will want to contact your insurance company to inform them of any changes that will help you save money.

I am going to go step by step explaining each question asked by insurance agents and I will explain what answers give lowest rates.

1. Gender- Most insurance companies offer cheaper rates for females due to statistics. Less accidents have resulted from females vs males. Could it be because most of the time, if a couple is in a vehicle, the male will usually drive? Could it be because a housewife will not have the usual commute a husband would have driving back and forth to work every day?

2. Date of Birth- Roughly, the early ages will generate a higher cost for insurance. Rates will lower as a driver matures; however, rates increase again as a driver reaches the later years such as 60's and up.

3. Marital Status- Generally, a married driver will have a cheaper rate than a single driver. This, again, is due to statistics. Single drivers have a higher loss percentage. Could this be because a married couple have drive less than a single, more active driver? Some insurance companies will allow you to receive the married rate if you live with your "significant other" under common law marriage or they may give you the married rate if you are a single parent. Be sure to ask if you fall under any other the above categories. If you purchase your policy when you are single and get married midterm, be sure to contact your insurance company to get your "married rate".

4. Zip Code- Zip codes do affect your rates. This again is based on statistics of a particular city. Some cities may be congested with traffic and may have more accidents than others. Some cities may have more theft than others, etc. In general, the more a city is congested, the higher the rates are.

5. Current or Prior Insurance- Some insurance companies will give you a discount if you have current insurance or have had an insurance policy recently cancel within the past 30 days. If you have had an insurance policy within the last 30 days, be sure to inform your insurance agent because most agents will not ask you unless you tell them.

6. Driving Experience- The length of time you have been licensed is an important factor in determining a rate. There longer you've had your license, the cheaper your rate. If you have had a license in another state, be sure to include that in your driving experience. Even if you were licensed in another country, it can be used to add to your driving experience although proof may be required.

7. Tickets and Accidents- Of course tickets and accidents affect your rate; however, tickets will not affect you until the violation is published on your driving record. Usually not until you go to traffic court or pay your violation. If you purchase your insurance policy before you go to court or pay your violation, it may not affect your rate until you renew your policy. (usually one year) As far as accidents go, there are three ways to rate an accident: At fault with injury, at fault with no injury, and not at fault. They all produce different rates in the order listed from highest to cheapest. If you were at fault, but there was less that $750.00 of damage, you may be able to list it as non-fault so be sure to let them know.

10. Commute distance to work and annual mileage- There farther you drive to work, the more expensive your auto insurance may be. If you carpool or use alternative methods of commuting to work such as a work vehicle or you take a bus, be sure to inform your agent because this will help lower your rates.

11. Occupation and vehicle use- Occupation will affect your rate. Some occupations are even unacceptable by insurance companies. One such occupation is pizza delivery. Since most pizza delivery drivers are on a time restraint, insurance companies see it as a high risk occupation and will decline coverage. Some occupations will be acceptable but may classify your vehicle use as "commercial" or "artesian" use which will generate a high premium. One example is a real estate agent. A real estate agent drives during work vs. a machine operator stays in one location during work and is less exposed to an accident. An example of artesian use is an electrician using his vehicle to drive to work locations. Again, the electrician is using the vehicle during work and is more exposed to an accident. If you fall under the above categories but drive a company vehicle, you may be exempt from the extra cost of falling into those categories. On the good side, some auto insurance companies may give discounts for drivers with college degrees or if you are a student with a "B" or higher average you may qualify for a good student discount.

12. Make and Model of Vehicle- Some vehicle are generally expensive to insure. One such vehicle is a Ford Mustang. Although it is fairly inexpensive to purchase, it can be expensive to insure due to its "sports" performance. It is a good idea to quote a vehicle for insurance before purchasing it as I have seen people have to return their vehicles because after purchasing the vehicle, they couldn't afford the auto insurance. Four door vehicle are usually a bit cheaper to insure than two door vehicles. Usually 4wd vehicle can be higher to insure vs. 2wd vehicles. High end vehicles such as BMW, Mercedes, Porsche, Jaguar of course can be more expensive to insure than your average vehicle. Bottom line, quote the auto insurance before buying the vehicle.

13. Alarms and Equipment- Auto insurance companies may offer discounts for vehicles with low jack or alarm systems. If your vehicle has one, be sure to let your agent know. Some companies will offer discounts for airbags and other safety features as well.

14. Other- There are other discounts that you can take advantage of. If you have more than one vehicle, be sure to insure them all on one policy to get your "multi-car" discount which can be 20% or more. If you are a home owner, some insurance companies can offer "home owner" discounts. If you have taken a driver's safety course you may be eligible for a discount as well. Also if you keep your vehicle parked in a locked garage over night, be sure to ask if you can get a discount.

15. Online Auto Insurance- Many insurance companies offer Online Auto Insurance which can be less expensive than your traditional auto insurance policy purchased in an office location. This is because if you buy auto insurance online, insurance companies have less overhead because the policy is "paperless" and all the savings will be transferred to you. Compare auto insurance quotes online. Some websites offer one simple process for quotes from multiple well known auto insurance companies and you can even buy the policy online. One such website is http://www.OnlineAutoInsurance.com. There you can compare quotes from top carriers and buy auto insurance online if you like. Be sure to stop and get a quick quote and keep in mind the above 15 insider's secrets that I just revealed. Since I took the time to write this detailed article, return the favor by getting a quick quote from my website listed above, actually I will be doing you another favor by saving you tons of money on your auto insurance.

Sincerely,

Cesar Diaz, agent and broker