 |
auto insurance
Where to buy insurance?
Isn't it worth a few minutes to save hundreds of dollars on your
auto insurance? The agents listed below provide almost instant online quotes at no
obligation so why not contact them all.
-
4Insurance.com Save
25-35% on insurance
Our safe and secure online super quote engine. We do not resell customer
information and our Privacy Policy is our top priority.
-
Esurance Auto
Insurance
Find out how easy it is to save on car insurance.
-
Electric Insurance
For more than 35 years Electric Insurance has been providing GE employees
and other great drivers with quality, affordable auto insurance. Through
our cutting-edge website, we provide world-class auto insurance service to
customers in 31 states and home insurance service in 21 states.
-
InsWeb a leading
online insurance marketplace
Consumers can comparison shop for auto, term life, homeowners and other
insurance products, and obtain actionable quotes for coverage from among
more than 40 highly rated insurance companies. A free service, InsWeb
helps consumers find the insurance they need and helps insurance companies
find the customers they want.
-
Insurance.com
The nation's leading online auto insurance agency. We bring together
over a dozen of the nations best auto insurance companies to compete for
our consumers business. At Insurance.com, consumers are in control. They
answer just one set of questions and see up to four rates instantly.
Consumers can buy online.
-
Safe drivers, save
money with AIG Auto Insurance
Our quote site provides more than just savings. Immediately, prospective
buyers are met with a quote invitation and a showcase of the features in
store for them: the ability to service their policy online, make payments,
access safety tips and information, and learn about AIG's world-wide
history. Our online quote is quick and easy, providing excellent customer
care along the way.
-
Nationwide
Insurance Quotes
Get insurance with the click of a button at Insurecom.
-
InsureMe
Shop and Compare multiple Car Insurance quotes for free.
-
Netquote
Free insurance quotes from over 100 companies.
-
InsuranceTracker
Need auto insurance? Paying too much for your insurance? Let our agents
compete for your business TODAY.
-
21st Century
Insurance
We are a quality, affordable carrier for auto insurance serving CA, AZ,
IN, IL, NV, WA and OR.
Isn't it worth a few minutes to save hundreds of dollars on your
auto insurance? The agents listed above provide almost instant online quotes at no
obligation so why not contact them all.
Auto insurance basics
Auto Insurance Buyer Tips
provided by
Auto Insurance Buying Tips
There are many factors that affect insurance premiums, only some of which you
can control. Starting with the ones you can't, know that demographics count.
Males pay more than females and the middle-aged pay less than the young or the
old (ages 25 and 56 seem to be a significant landmarks). If you want to decrease
your rates, it certainly helps to move to a better neighborhood (less theft
and/or traffic congestion) or get married (only responsible people tie the knot,
right?), but those endeavors come with their own costs.
So let's stick with what you can control. As far as choosing a car, dullness
pays. The lowest rates go to the most innocuous vehicle types – minivans and
low/mid-priced sedans – because of what they imply about their drivers: mild
personalities make for mild risks. Another force at work is how much damage one
vehicle can do to another, where battering ram-like trucks and SUVs do not fare
well. These factors mostly impact liability, which, in 45 states, is the
mandatory piece in the insurance equation. On the flip side, ultra-cheap
lightweights like the Kia Rio don't have stellar rates either, for a related
reason: they do a mediocre job of protecting you, the driver.
Another major point is the cost of the car, which should be self-explanatory.
This impacts collision coverage, which covers repairs to your car. It also
lowers another type of coverage called comprehensive, which basically covers
your car in any loss that doesn't involve crashing. Another good way to lower
comprehensive is to pick a car with a low theft rate. Put another way, drive a
car that no one else wants. Case in point: a recent study found the Ford Taurus
wagon and Saturn LS at the bottom of the theft list.
Choosing the type of vehicle is the easy part. Depending on how much digging you
want to do, it might also be worth researching specific cars within a given
class. One source found a Dodge Neon costing $478 more a year than a Saturn SL2
(both are compact sedans that cost a mere $15,000 when new) at the same
provider, just to name an extreme example. Differences within a class are
largely due to the cost to repair specific cars, which has a lot to do with how
they were designed. Some models show more variation between different providers
than others, though it could be awfully time-consuming to check every single car
across every single provider.
Don't crash. As if you needed another reason not to, getting involved in a crash
(even ones that aren't officially your fault, in some cases) is the most
sure-fire way to inflate your premiums. The label of “high-risk driver” stains
your record, typically for about three years.
Think hard about which incidents to report. Even if you do crash, it might not
be financially worthwhile to make a claim. First, there's that deductible worth
hundreds of dollars standing in your way of full reimbursement. Just as
important is the reason just discussed: spending three years at a higher premium
rate can wipe out whatever's left over. Make sure you have a big enough claim
(say, at least several hundred) before you file.
Don't get tickets. Insurance companies look for any excuse to raise those
premiums, of which tickets are the most common and reviled. Remember, this is
the industry that gives radar detectors away for free so that cops can take down
your speed. It shouldn't be hard to trace the motivation.
Don't over-drive. Risk increases with exposure and premiums increase with risk,
so if you can, don't drive more miles per year than you have to. Don't get too
caught up in this point, though; it's broken down by brackets of every few
thousand miles, the impact isn't tremendous, and there isn't always a discount
for driving below average.
Cover your kids under your policy. They'll save a bundle, as will you, thanks to
the standard practice of giving discounts for insuring multiple cars on one
policy. Try to not make those risk-prone minors the stated primary driver of any
car – especially an expensive one.
Get a car packed with safety features like air bags, antilock brakes, traction
control, and stability control. Front air bags have been the norm since the
‘90s, but side and curtain air bags have not, and they have been found to help
more and more with each passing year. Some companies began retracting antilock
brake discounts after research failed to illustrate any safety benefits through
cold, hard statistics. But some still do (some states make them), and antilock
brakes are worthwhile to have in any case. Stability control, meanwhile, just
got a big publicity boost from a September 2004 study finding that it reduces
fatal accidents by 30% in cars and 67% in SUVs.
Shop around for the best carrier. Many consumers stick with the same insurance
company for life (probably out of laziness), but they could be missing out on
hundreds per year. Once you've found an ideal match, however, try to stick
around, because loyalty discounts eventually kick in.
Pay your bills. It might not seem fair, but at many companies, insurance
premiums vary with credit scores. The thinking is that someone irresponsible
with money would be irresponsible behind the wheel. This has aroused all sorts
of controversy and backlash. Various accusations have been fired – of it being
unfair, illogical, anti-consumer, or segregative – but until this is resolved,
try to master your MasterCard.
Do your homework. Literally. This can give a much-needed discount for drivers
who are stuck with the lowest incomes and the highest rates: students.
Maintaining a 3.0 GPA is the common requirement, and maintaining is a must,
since applicants will be prompted to send in annual proof of their good study
habits.
Take a class. A certified driver training or defensive driving class can lower
your rates.
Auto Insurance Current Events
Esurance - Auto Insurance
Online quotes, auto insurance rate comparisons, and discount tips to help customers buy an insurance policy online.
Competing Car Insurance Quotes & Auto Insurance Rates Online ...
Kanetix: You could save $500+ by comparing auto insurance quotes and car insurance rates from Canada's top insurance companies.
CarInsurance.com
Provides car insurance quotes and policies, along with resources to help you find instant car insurance from leading car insurance companies.
Farmers Insurance Group
Provides insurance services for auto, home, life, mortgage, liability, and more.
Auto Insurance Quotes - Free Car Insurance Estimates - Allstate
Allstate offers a variety of auto insurance coverage. Site includes tips on how to save on insurance premiums for teens and new drivers.
Insurance.com
Offers health, renters, home, life, and auto insurance policy quotes, comparisons, and information on annuities.
Car Insurance & Motorcycle Insurance: Free Auto Insurance ...
Get free auto insurance quotes online and find cheap car and motorcycle insurance. Save money with Direct General Auto Insurance rates for cars and motorcycles.
Allianz Australia
Australian insurer providing car, home, travel, caravan and trailer, small business, and workers compensation cover.
Vehicle insurance - Wikipedia, the free encyclopedia
Auto insurance,in exchange for a premium, will pay for damages ... Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased ...
Cheap Car Insurance, Bike and Van Insurance - Express Insurance
Cheap Car insurance, Bike Insurance and Van Insurance from Express. We compare over 30 insurance brokers to find you the cheapest car insurance quote we can. Get a ...
|
|
