Auto Insurance

By Tim Gorman

If you’re interested in slashing your auto insurance bill in half then there’s no reason why you shouldn’t consider purchasing auto insurance online. Buying your auto insurance online is extremely easy and very convenient. The process is fast and only requires filling out a simple form. The best part is you can receive multiple quotes from several different auto insurance providers from the privacy of your own home. You can even search for a new money saving car insurance policy in your pajamas if desire to do so.

Many experts agree that most consumers overpay on their insurance policies due to a lack of shopping around. This includes vehicular insurance. Additionally they overwhelmingly endorse purchasing auto insurance online due to the ability to start your insurance application, save it, and finish later if you get pressed for time. If you’re concerned about the cost associated with receiving multiple insurance quotes don’t be. By applying online you can get multiple free car insurance quotes from one application. You’re also never under any obligation to accept any insurance quote provided – even if it saves you money.

As far as the drawbacks to purchasing auto insurance online there aren’t many. Obviously you’ll have to have access to a computer with an Internet connection and around 30 minutes of free time depending on the number of free insurance quotes you wish to receive. Keep in mind before accepting any quote that you could qualify for a bigger discount from your current auto insurance provider if you carry multiple insurance policies with them. For instance a combination of car, home and life insurance may cost less as a group when compared to purchasing individually.

It’s only natural to have concerns with the privacy of the information the insurance company requires you to fill out on their quick quote provider form. However rest assured that any information you provide is kept secure with encryption technology and will not be released to anyone else to include other insurance providers unless you agree to allow it. You can also feel comfortable in knowing that your credit score won’t be affected by applying for free auto insurance quotes online.

After you’ve found a quote that you like purchasing auto insurance online allows you to either accept the quote right then and there or you can opt to receive the rate provided in the mail. Either way you’re guaranteed to save money. A word of caution, make sure the information you provide on the insurance application is correct. Even the smallest errors can adversely affect the money saving rate that is provided.

Probably the most difficult choice will be which online auto insurance provider to choose from in order to receive your free quotes. Look for a company that has excellent customer service reviews and offers a simple application process that provides multiple money saving quotes. Finally don’t forget to check and make sure that they can actually provide an insurance quote for the state you currently reside in

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides free insurance information and offers discount home, life and auto insurance that you can research in your pajamas on his website.

Other websites operated by Tim

Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.

Military-Loans-Online.com – Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.Article Source: http://EzineArticles.com/?expert=Tim_Gorman

Posted by Orce37 at 4:32 PM | Permalink | Comments

By Tim Gorman

As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the auto liability insurance state minimums that you are required to have in order to legally drive in the United States. No matter what state you drive in all of them have financial responsibility laws and require motorists to purchase minimum amounts of auto liability insurance except for Tennessee, Wisconsin and New Hampshire.

Many websites and advocates of insurance (to include myself) recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. The main reason for this is due to the increased amount of money needed to rectify an accident is usually more then what the states declare as the minimum amount of insurance coverage needed.

I have compiled the following information from the American Insurance Association, the Property Casualty Insurers Association, and the Insurance Information Institute. It shows the auto liability insurance state minimums as required by each state. In order to understand the numbers you must know what the mean. The first two numbers are for bodily injury liability and the third number represents the minimum amount of property damage liability.

As an example my home state of Missouri shows the following - Missouri 25/50/10. This means Missouri requires as a minimum coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.

Alabama 20/40/10 Alaska 50/100/25 Arizona 15/30/10 Arkansas 25/50/25
California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5
D.C. 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10
Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15
Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25
Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10
Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25
Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5
Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25
South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15
Utah 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10
West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20

Remember these figures only represent auto insurance liability state minimums. Many experts agree that more insurance is needed in order to fully protect yourself in the event you’re involved in an automobile accident.

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount home, life and auto insurance that you can research in your pajamas on his websiteOther websites operated by TimCellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans. Military-Loans-Online.com – Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.

Article Source: http://EzineArticles.com/?expert=Tim_Gorman

Posted by Orce37 at 9:57 AM | Permalink | Comments

By David Maillie

With car sales prices continuously increasing, recent hikes in gas prices, and ever present sales and state taxes on our cars it has become vitally important to find ways to save money and keep costs down. One way to save money is to monitor your auto insurance and make sure you are getting the best deal possible. This may sound trivial, but can easily add up to savings of hundreds and possibly even thousands of dollars over the next few years.

First make sure you are taking advantage of all discounts available to you through your insurance provider. Many insurance companies have good driver history discounts. If you haven’t been in an accident or made a claim in several years make sure your agent adds this deduction – typical savings are 5-15% (easily $100-$400+ in savings per year).

For an additional discount some insurance companies like Progressive and Geico offer discounts for sponsored driving classes. Make sure you check with your insurance company to see which ones it accepts. Many of these classes are free or offered at minimal cost by your local DMV (Department of Motor Vehicles) or DOT (Department of Transportation). For a listing, contact your insurance company and then your state departments (DMV and DOT). These classes also work great for reducing points on your license from minor infractions (speeding, running a red light, etc…). Definitely get as many points taken off as possible. These points can increase your insurance rates 50-100% or more in some cases.
Some insurance companies like Geico, Allstate, and Progressive have recently come out with good student discounts. The requirements can vary so be sure to check with your insurance company. This could amount to an additional savings of 5-10% on your annual premium. Keep in mind traffic offenses can and will nullify this and most other discounts, so drive safely.

Shop around for the best rate. I can’t stress this enough. Every few years just check and see what other insurers are offering. You could see huge savings here and it may have nothing to do with your driving record. Some insurers just have lower claims for a particular model car and therefore will have a lower rate for that car. Just to see the difference call several insurance companies for quotes. You will see a huge range. When I had a 2000 Ford Mustang GT convertible I was paying over $4000 per year in insurance with Allstate then I checked and found Progressive offered the same coverage for only $1400 (a 75% difference in my premium). Now, that’s not to say that Allstate is a bad insurer, they just have higher claim costs associated with that vehicle and a driver of my age. So, make sure you shop around and definitely check the online insurers like Progressive and Geico as they tend to have lower premiums. Also see what impact raising your deductible will have on lowering your premium.

These items might also seem trivial, but will save you money. Pick a car with lower theft rates and lower premiums. A 4 door 4 cylinder car (Toyota Corolla) will almost always have a much lower premium than the latest 8 cylinder 2 seater sports car (Mustang GT (2+ 2 seating)). It will also get you better gas mileage which in a year could amount to a savings of hundreds of dollars in it self. Stay away from convertibles as they always have higher insurance premiums. Drop unnecessary coverage like collision on an older car. Also stay away from cars with high theft rates (Honda Civics and Accords tend to have some of the highest theft rates and unfortunately you will pay for that with higher premiums and don’t think you won’t.) One more thing, don’t speed, don’t drive drunk (I don’t need to tell you what that will cost you (it could even cost you your life), stop for all school buses, wear your seat belt and obey the rules of the road. You will be glad you did.

David Maillie is an alumni of Cornell University and specializes in automotive safety products and information. He holds numerous patents and awards for his patented headlight cleaner and restorer. For more information please visit: http://www.mdwholesale.com

Article Source: http://EzineArticles.com/?expert=David_Maillie

Posted by Orce37 at 10:46 AM | Permalink | Comments

By Carrie Reeder

Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.

1. Give them details – If you don’t provide information about your zip code, marital status, car’s safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.

2. 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 prices between companies. Don’t forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.

3. Raise your deductible – Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.

4. Cut the miles you drive – For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car’s mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.

5. Switch drivers – For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.

6. Add an anti-theft device – By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.

To view our list of recommended companies for auto insurance online, who can
give you multiple insurance quotes from different companies, visit this page:
Recommended Auto
Insurance Companies Online.


Article Source: http://EzineArticles.com/?expert=Carrie_Reeder

Posted by Orce37 at 9:34 PM | Permalink | Comments

By Elizabeth Newberry

If you’re a new driver, there’s good news. Your new privilege doesn’t have to cost you an arm and a leg in insurance costs. There are ways to get cheap car insurance for new drivers. Check out these tips.

1. Shop around. You will hear this time and time again, but it really is in your best interest to look at and compare the policies and rates of several different auto insurance companies.

2. Once you choose an insurance company, talk with your agent about any discounts that the company may offer. Just because you are a new driver does not mean you have to be exempt from certain discounts.

3. Choose a safe, inexpensive car to drive. It is very tempting to purchase a fast, flashy, and expensive vehicle, especially for new drivers who want to turn heads, but these types of vehicles usually result in higher insurance costs.

4. Consider taking a driver education course. Many insurance companies will recognize your effort to educate yourself on the importance of safe driving and may even offer discounts. Before you enroll, talk with your insurance agent about such options.

5. If you are a teen driver still in school, make sure to keep your grades up. Many insurance companies reward teen drivers for good grades with lower insurance costs. Also enroll in a driver education course, especially if your school offers one.

6. Practice safe driving. This means, no alcohol or other drugs and no speeding or otherwise reckless driving. Not only could this help lower your insurance costs now, but clean driving records almost always lower insurance costs in the future.

Remember, driving is a nice privilege, but it also brings many responsibilities along with it. By taking these six tips into consideration, not only are you acting responsibly by helping yourself and your parents save money, but you’re also helping keep yourself and others safe on the road.

Visit our recommended company to learn more about the following:

Discount Auto Insurance

Auto Insurance Specialists

Online Auto Insurance Quotes

Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry

Posted by Orce37 at 10:13 AM | Permalink | Comments

By Michael Russell

When it's time to shop for auto insurance, make sure you take time to compare. There are vast differences between auto insurance companies. Taking time to compare before you buy will ultimately save you time and money.

These days it's a lot easier to compare auto insurance companies. Using the internet you will be able to do research on a number of companies and discover for yourself the best auto insurance company for you. Just remember that you will need to compare more than just the rates.

One of the things you should be looking at is the risk rating of the insurance company. This will affect their ability to pay your claim. Paying low premiums to a company that won't be able to settle claims against you won't do you any good.

So, what if you happen to be paying premiums right now to one of these low-rated auto insurance companies? Shop, compare and then make the switch to an auto insurance company that is right for you.

In addition to having a poor risk rating, there are other reasons for switching auto insurance companies. Obviously, you will want to find an one that charges premiums that fit your budget. Make sure you are comparing identical coverage levels when comparing premiums. The default coverage levels might vary between companies. Make sure you have enough coverage for your unique situation.

Premiums are often based on that auto insurance company's claims experiences with different policyholders in your same coverage group. The coverage group is determined by the type of vehicle, age group, number of claims filed, etc. For example, if owners of a specific vehicle file a large number of claims in a given year, premiums of auto insurance companies will rise for that vehicle. The same is true if drivers who are under the age of 21 file a large number of claims. This will affect you, if you happen to be in that group.

These experiences are often unique to each specific auto insurance company. That's why premiums might be higher with one company than another for each coverage group. That's why it's smart to shop around.

While you are shopping for another auto insurance company, don't be tempted to stop paying premiums with your current company. Any gap in coverage can cause you big problems. Many companies will ask to see proof of current coverage before canceling an active policy. Be safe and keep your current coverage active until after you switch to the new auto insurance company.

Once you have switched to a new insurance company, you can cancel coverage with your current one, simply, by putting your request in writing and specifying the date of cancellation. It's probably easiest to switch when your old policy is close to renewal. Most auto insurance companies will send a renewal notice about one month before a new policy period starts. Use this time to research your options and choose your new insurance company. Make sure you have your new policy all lined up before your current policy renews. Then notify your current company that you will not be renewing coverage. Although it's easier to cancel your policy at the time of renewal, you may cancel at any time. As long as you give proper notice, auto insurance policies contain a provision that gives you the right to cancel your policy at any time. You do not have to wait until renewal to switch to another auto insurance company.

It's not difficult to switch auto insurance companies, but it takes a little time and research to find the one that's best for your situation. The time you spend researching will be well rewarded with the money you will save on premiums and the comfort you will get knowing that the one you choose will be able to handle any claims you make.

Michael Russell

Your Independent guide to Insurance

Article Source: http://EzineArticles.com/?expert=Michael_Russell

Posted by Orce37 at 1:08 PM | Permalink | Comments