Why You Need Auto Insurance

As the population continues to grow, more cars and drivers hit the highways. With so many vehicles on the road, crashes are inevitable. Automobile Insurance can be the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much should you buy?
Auto insurance is required by law in all states and protects you by paying for damage or injury you cause others while driving your car; damage to your car or injury to you or your passengers in your car from a crash; and certain other occurrences such as theft and vandalism. Without insurance, you risk having to pay the full cost of any harm you cause others with your vehicle.
Coverage requirements vary by state, but usually include the following:
Liability: It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended.
Personal Injury Protection: This is required in many states. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum required amounts.
Medical Payments: This coverage is available in some states (usually the states without no-fault insurance), and pays regardless of who may have been at fault. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash.
Collision: This pays for damage to your car caused by collision.
Comprehensive: This pays for damage to your car caused by "Other Than Collision"; including fire, wind, hail, vandalism and animal strikes.
Uninsured Motorist: This pays damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit and run driver.
Underinsured Motorist: This pays damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages.
Auto insurance premiums vary widely from company to company and will depend on several factors, including:What coverage's you select; The make and model of the car that you drive, your driving record, your age, sex, and marital status and where you live.
Many people think of auto insurance as a necessary evil that can save your financial well being. Evaluate your needs, do your research and make the decision that best suits you.

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How to Get Cheap Auto Insurance on the Internet

If you have a connection to the Internet and a computer you can easily find cheap auto insurance. With more and more businesses turning to the Internet to service their customers and increase sales, it's no wonder you see an insurance man on every virtual corner.
Not only are most of the major companies online today they now provide insurance quotes and the ability to buy your policy right from their websites. This makes your search for cheap auto insurance a lot easier.
Another benefit to buying your insurance online is the pricing. Competition in the insurance industry is fierce and online companies often offer a discount for purchasing online.
The easiest way to zero in on a company who offers cheap auto insurance is to get quotes from more than one company and compare their offers. Esurance.com and Insurance.com are two great places to get quotes from multiple companies.
If you prefer to look for cheap auto insurance from individual insurance companies search for "cheap auto insurance" at Google.com and you'll find over 36 million results to choose from.
Millions of people search in the Internet everyday for cheap auto insurance. The insurance companies know this and every one of them claims to be the one to offer you the cheapest auto insurance. Buyer beware. There can be a huge difference in premium from one insurance company to another.
Things to look for when searching for cheap auto insurance:
Discounts available for a good driving record
Teen Driver Policy - Is it cheaper to have your teen driver on a policy designated to a specific car rather than the family car?
Multiple car discounts
Multiple policy discounts (auto, home, life)
Are senior discounts offered?
Are you covered when you drive someone elses car?
Will you be dropped from your insurance if you are involved in an accident?
Do they pay for a loaner if your vehicle is out of commission as a result of an accident?
What is the cost of 100% comprehensive coverage? - Things that happen to your vehicle other than being involved in an accident. ie. broken windshield.
Searching for cheap auto insurance is not an exact science. Some things will be more important to you than others based on your circumstances. Whatever your circumstances are, ask the questions based on your needs.

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How to Find Cheap Auto Insurance

When we purchase a car we need some sort of car or auto insurance. Most of us want to buy it as cheap as possible. The quality of the insurance product means a lot though; it is important that the policy has a good coverage and it is also important with a good service from the insurance company, especially if and when an accident occurs. Auto insurance is one of those items where the price can vary a lot based on which insurer you go through. Sometimes your rates can vary as much as 20-30% just because of different rating factors the company may use. By utilizing the power of the Internet you can be a savvy insurance shopper and find cheap auto insurance that fits your needs while providing the customer service and support you need.
When people are shopping for a new or used car they often don't think about insurance until the last moment. Several consumers fall into the trap of obtaining an instant car loan through the dealership and inadvertently signing up for the auto insurance through the finance company. This can be one of the worst mistakes you can make. Often finance companies that roll insurance into the finance agreement will charge premium prices that have interest charges added in on top of the already high rates. When obtaining financing make sure you state up front that you will be getting insurance through a company of your choosing and not the finance company.
The best bet to finding the best deal on vehicle coverage is to do your research before you buy the car. By knowing up-front what type of car you are looking for most insurance companies can provide you with a basic quote that is in the ballpark of the rates you can expect to pay. Remember, never drive off the lot with any car until you have the insurance purchased and finalized. Accidents can happen anywhere at any time. The last thing you want to happen is to be in an accident without insurance.

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Finding cheap online auto insurance

Automobile car insurance is something that we all need and should command careful consideration. When in the market for auto insurance coverage, and with so many car insurance companies to choose from, it can be a bit confusing when trying to decide on the best and most affordable coverage for your vehicle. With the convenience of the internet, finding all the information required to get the best deals and rates can easily be accomplished online. Finding a reputable auto car insurance company is a job within itself, and like buying a home, it is imperative you clearly understand what you are getting. When in search of cheaper car insurance rates you should take into account all the factors that can affect your car insurance premiums. So before you sign on the dotted line, read the fine print of Automobile Insurance Policy to insure you are getting the necessary coverage to protect yourself. It happens time and time again, when the car owner gets into an accident or fender bender, the coverage they thought they were paying for is not part of their policy which can lead to out-of-pocket expenses. Get several car insurance quotesSome key factors when shopping for cheap car insurance is to first make sure you get at least three or four quotes since the price you pay for your car insurance can vary by hundreds of dollars. Finding cheaper insurance rates depends on your previous driving records, to include any type of infraction such as speeding, seat belt and auto accidents. Age, gender and the type of car you are seeking auto insurance coverage on including the age of the vehicle, will clearly be critical factors in determining your annual car premiums.It is equally important to find a car insurance company that can answer any questions you may have and how quickly they handle claims fairly and efficiently. Once you decide on a quote you are satisfied with, before agreeing to anything check with your state insurance department about the company’s history. Finding out the financial well-being of an insurable institution and the number ratio of consumer complaints, could avoid headaches or any future regrets. Learn the facts about car insuranceSome other ways of saving money is to ask your insurance broker or agent for a higher deductible. The deductive is the amount of money you pay before the insurance company pays out on your claim. The purpose of requesting a higher deductible can lower your auto rates substantially. When you increase the deductible from $500 to $1,000 you can potentially save you over 40% on your car insurance rates simply because the insurance company will pay out less for your claim. However, if you know that you can not pay out the higher deductible should something happen to your car in the instance of an accident, and then it is best to remain at a lower deductible.When figuring out the appropriate insurance coverage for your car, take into account the age of the car. This could also influence your auto premium, for example you may want to consider excluding the collision or comprehensive coverage on an older car. It is not cost saving to yourself when you continue to pay full coverage on a car worth less than amount you pay for your insurance coverage. If the car has a market value of $2,000 or less, you would not want to pay more in premiums since you will never get back what you are paying out. You can easily find out the current market value of your car in order to find out what coverage you will require from a number of valued sources such as banks, auto dealerships, or go online and use the search term, “finding the value of your vehicle”. As the saying goes, an educated consumer is a smart consumer, the more you understand prior to purchasing auto insurance, you will be able to make an informed and valued decision.

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Car Insurance Rate:best versus the cheapest

The more you understand about any subject, the more interesting it becomes. As you read this article you'll find that the subject of car insurance rate is certainly no exception.
Looking For the Best Car Insurance Rate?

You don’t need to go places, meet lots of agents or drop by headquarters of different car insurance companies.

Traditionally, you will have to ask your trusted agent/broker about the best rates that can be offered to you. It somehow works, because the agent handles multiple accounts and affiliations with various insurance firms. And past experiences from other clients make him/her more knowledgeable about the car insurance gateway.


For sure, direct contact or transaction to car insurance companies will save you more on premiums. Why? Because middlemen are eliminated and so are the commissions paid to them. But you will surely find the task a very tedious activity.


Online processing of car insurance applications proves to be a wise move if you are after convenience and savings on gasoline and transport expenses. This mode will surely get you the best of the best rates across the Internet within seconds, and at your fingertips.


Online, you will find a lot of Web sites offering services that scout for cheapest car insurance quotes from insurance firms. The services will give you freedom to exercise your freewill and choose the car insurance company that offers the best quotes and rates for your needed coverage.


How to get the best car insurance rate?
Sometimes the most important aspects of a subject are not immediately obvious. Keep reading to get the complete picture.
To get a cheap car insurance premium, you will have to invest, first of all, in clean driving records. Speeding tickets or traffic violations you have committed for at least the past five years will directly affect the rates you will automatically get for your car insurance policy. If you already have tickets, adopt a self-policy that ‘it is still never too late.’ Start practicing some disciple when off the road.
Get a higher excess charge or deductible. Deductible is the amount you are willing to personally shoulder in case of accidents, repairs or damages. For example, if you set a $500 deductible, the insurance company will not cover any expense if the cost of repairs from a damage will cost less than $500. Suppose the cost of repair reaches $600, you will pay $500 and the insurance firm will take the $100 bill.
The idea might sometimes be misleading. Some people fall through this trap by setting very low deductibles to make sure the insurer covers most of the expenses for repairs or accidents. The catch? Lower deductibles equate for higher premiums and vice versa. Personal and car information are variables you cannot do something about. But they are the primary factors that get evaluated upon the processing of your car insurance application. Don’t lie and sweeten your facts. Be honest. You may not get the best rates by doing so, but you will surely get the best and real quotes available for drivers of your classification if you will be open and inquisitive.
The best versus the cheapest
Best car insurance rates are not necessarily the cheapest. Best, still is a relative term, even in the car insurance jargon. For most of the industry insiders, best car insurance rates are attained if the coverage and policy purchased are comprehensive, broad and practical, even if the premium that comes with it is not that cheap.
Likewise, the cheapest car insurance rate may not be the best because certain coverage or policy clauses make them less compared to others. The cheapest car insurance rates usually lack certain provisions for various situations and accidents. Sometimes, hitting the bottom is not that ideal, especially if there are other more attractive options out there.
If you've picked some pointers about car insurance rate that you can put into action, then by all means, do so. You won't really be able to gain any benefits from your new knowledge if you don't use it.

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Car Insurance For High-Risk Drivers

If you are classified as a high-risk driver, finding car insurance can be quite a hassle. Some insurance companies will deny insurance to high-risk drivers, while others just choose to charge extremely high premiums. No matter which insurance company you choose, you will most likely end up with a high rate. However, every insurance company is different, so it is important to shop around for the best rates available.
There are many different factors that can contribute to a high-risk driver classification. However, your driving record is the most important factor in determining your risk status. If you have been involved in several accidents over the course of a year or within two to three years, these incidents will negatively affect your record even if they were not your fault. Being involved in any accident can deem you a reckless driver with a penchant for getting into dangerous situations. Also, if you have received multiple speeding tickets, you are also increasing your risk of getting into car accidents. You may be labeled a high-risk driver just by the number of speeding tickets you have received.
There are also several personal factors that contributed to the high-risk label. Unfortunately, many of these factors are beyond your control. Men are typically deemed a higher risk than women, and those who live in the city are considered higher risk than those who live in the country. If you are a city dweller, you will probably pay higher car insurance premiums than if you live in the suburbs or in a rural area. Also, drivers with newer cars are charged higher premiums than those with older automobiles.
Unfortunately, even your credit history can affect your car insurance rating. Those with low credit ratings are usually charged higher premiums than those with better credit scores. Whether or not you have been covered by car insurance continuously is also a factor. If there are gaps in your coverage, they will assume that you have had periods of uninsured driving. Because driving without insurance is very unsafe and also very illegal, insurance companies take this into consideration when considering your rate.
Though it can take several years of clean driving to erase the high-risk driver label, it can still be done. Three years is the industry standard for reassessing a driver’s safety standing. If you have a clean record for a three-year period, you can work your way back to the benefits of lower premiums. However, three years’ worth of high premiums can really add up over time. If you are a high-risk driver, there are still ways to lower your insurance payments. With a little research, you can reduce your payments by a fair amount.
There are many car insurance companies that offer free quotes online. Rather than meeting with salespeople or playing phone tag with agents, Internet sites will give you a quote in minutes. This makes comparison-shopping easier than ever. There are even websites that will find a list of quotes for you. Sites like Netquote.com allow you to enter all of your information one time rather than repeating the process for every insurance company you investigate. Netquote will generate a list of rates organized in an easy to read fashion. This process may take a few days, but the results are typically worth it.
Working toward a clean driving record is the best way to ensure that you will get the best car insurance rates. Avoid congested areas whenever possible, and be sure to slow down in reduced speed zones. Be aware of your surroundings and never speed, and you will be on your way to a successful reduction in your rates.

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Car Insurance : What Is Liability And Collision Insurance?

You know full well that it’s the law, but you’ve been driving around without car insurance for a while now. Why? Car insurance is of supreme importance to any driver, no matter how good you think you are. Accidents happen, plain and simple, and you need to be protected in case it does. Not all car insurance is the same, though, and you may be a little confused as to the concepts.
The first term you need to know is liability car insurance. This covers you from claims arising from an accident where there’s bodily damage or damage to property. Generally, there are three main sections of any liability car insurance policy: bodily injury liability coverage, liability coverage for damage to property, and uninsured coverage. The first type of coverage protects you in the case of an accident, for which you are at fault, and others have been injured. Your liability car insurance company will pay any legitimate claims for medical expenses or lost wages. If you’ve run into someone’s wall, or the side of their house, you’ll need liability insurance for property damage, which will pay for repairs. In the instance where you are not necessarily at fault and the other driver does not have liability car insurance, you are protected by uninsured, or under-insured, motorist coverage.
Liability car insurance is not the same as collision car insurance. As you can see, nothing was mentioned about fixing your car in the above description. That’s because it’s not covered under a simple liability car insurance policy. You’ll need collision car insurance, unless you’re willing to pay out of your own pocket. Collision car insurance covers repairs to your car in the case of, you guessed it, a collision with another object. If you’re one of those people who gets their kicks by running over poor, defenseless animals, this coverage isn’t for you. You’ll need comprehensive car insurance to fix that cracked headlight.
Generally, you can choose you’re deductible rate, i.e., the amount that your car insurance company will pay out to repair your car. Typically, the higher the deductible, the lower the car insurance premium. You will definitely need collision car insurance if you are leasing a vehicle, if you own a fairly new car or if you are making payments to a finance company. Owners of much older cars may want to skip this form of car insurance altogether. If your car is totaled, the car insurance company will pay you that market value of your car, minus the value of your deductible. If you are able to absorb the cost of replacing your car yourself, you may want to forgo this.

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Car Insurance : Protect Your Second Life!

Auto insurance in general, which includes car insurance is an insurance consumers can purchase for cars, trucks, and other vehicles. It’s mainly meant to provide protection against losses incurred as a result of car accidents and also thefts of vehicle. It also includes losses arising due to natural calamities. To have your car insured is mandatory by law. When you insure you get a "policy" which is based on a variety of factors including the type of car you drive, as well as what kind of insurance you want, as these policies are actually a package of different types of insurance coverage. They can be classified as:
· Liability - This coverage pays for accidental physical injury of the body and damage to others’ property. Injury damages include medical expenses, pain or suffering and lost wages. Property damage includes damages to the automobile. This coverage also pays for defense and court costs. State laws fix how much liability coverage you must purchase, but you can also get more coverage if you wish.
· Collision - This insurance pays for damages to your vehicle caused by collision with another vehicle or object.
· Comprehensive - This coverage pays for losses or damages to the insured vehicle that doesn't occur in an auto accident. The possible types of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism or theft.
· Medical Coverage - Pays medical expenses regardless of whose fault it was as long as the expenses are caused by an auto accident.
· PIP - Personal Injury Protection (PIP) - This coverage pays medical expenses for the insured driver, regardless of whose fault it was, for treatment due to injuries arising in an auto accident.
· Uninsured Motorist - Pays for your car's damages when an auto accident is caused by another driver who doesn't have liability insurance.
· Underinsured Motorist – Pays for your car's damages when an auto accident is caused by someone who has insufficient liability insurance to settle all your claims.
· Rental Reimbursement - This type of insurance will pay for a rental car if your rented car is damaged due to an auto accident. Often this coverage has a daily allowance to be paid for at the time of renting a car.
Certain insurance policies club together a number of these types of coverage. Depending on the laws that exist in your state you have to choose the insurance you want for your car. Even though the state may not require extensive insurance, extra coverage may be worth the expense as it is possible that you may be straddled with thousands of dollars because of an auto accident.

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Car Insurance: Optional Legal Expense Cover Is Well Worth The Extra.

Peter, our freelance journalists doesn't take kindly to people driving into his beloved car. No, he doesn't use his fourteen stone of gym-honed muscle to exact retribution nor is he into road rage. Of course he's got his car comprehensively insured but he's also covered another way. He's got legal insurance. He included in his car insurance as an optional extra. This extra cover allows him to claim for costs and losses excluded covered from normal comprehensive and third party policies. So four months ago when his car was whacked from behind at the traffic lights, the legal profession swung into action! Not for free you understand, after all who's heard of a solicitor labouring for free? No, but it was free to Peter – his insurance company paid all his legal costs.
Whilst the garage appointed by his insurer made a beautiful job repairing his bent MX5, his comprehensive policy didn't normally cover claims for personal injury or loss of earnings. So the extra £2 a month Peter forked out for legal expense cover, became money well spent. He's already received compensation for the broken wrist he suffered and negotiations for his loss of earnings are well advanced. One-handed journalists aren't much use in our office so he took a month off!
Legal expense insurance assists policyholders to claim back losses and compensation where the accident wasn't their fault. The losses can include the cost of hiring a replacement car whilst yours is in the garage and, for those not comprehensively insured, the costs of having your car repaired. As in Peter's case, legal expense insurance will also fund claims for personal injury and loss of earnings.
Cover for legal expense is one of those insurances that's under rated until it's called on. The insurer will run the claim for you and sends the settlement cheque at the end of the process. All you have to do is record the facts on the legal expense claim form, speak to the solicitor nominated by your insurer, be prepared to answer a few follow-up questions, and sit back. If the case goes to court, they'll represent you and fight your corner – although you may also have to attend.
Most car insurance policies sold on the Internet don't automatically include legal expense cover – it's normally an optional extra. That's because price competition on the net is so fierce that the insurers prefer to keep their headline premiums down as low as possible.
You'll find that the optional cost of legal expense cover does vary from insurer to insurer. For example, More Than comes in at £17.85 per year, Direct Line £19.95, Churchill £21 and Budget £24 per year. Just a few insurance companies such as Admiral, include some legal expense cover for free.
So make sure you don't forget legal expense cover when you buy car insurance. Complicated claims for compensation can drag on your years especially if severe injury is involved, and final settlements can end up in millions.

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Auto Insurance Black Box Technology Meets Your Darkest Fears

Back in the days before computers, auto insurance was personal and subjective. The insurance agent actually talked to the man he knew in the main office, called in a few favors, and got their best customers the best rates. Male drivers under 25 were charged a lot. Young females, being perceived as less risk, were charged much less.
Now, in the computer age, auto insurance companies have large databases of accident and claims records. By number-crunching these records they can tell what type of person is more likely to be a good driver and what type of person is more likely to be an accident risk. This ‘Black Box’ technology gives them insights into the background and behavior of the people who they think should pay more for their auto insurance. For example, people who carry minimum limits of liability are actually a greater risk than those who carry at least 50/100 ($50,000 per person, $100,000 per accident). And statistics have shown that those with bad credit scores are more likely to be involved in accidents.
In Texas, the minimum liability limit on auto insurance is 20/40. Yep. $20,000 per person, $40,000 per accident. Not much is it? And if that weren't bad enough, the minimum property damage is $15,000. Guess who makes up the difference if you're in an accident that's your fault?
In most states, auto insurance is regulated by the state. But that is only the beginning. The state uses tables of 'loss ratios', exposure, and other conjuring words, to justify what the auto insurance companies want you to pay. Every once in a while, just to throw you off, they will even announce a state-wide REDUCTION in auto rates. When they do, hold onto your wallet!
After the state sets the base rate, the individual companies negotiate with them to adjust their particular rates, claiming either a better or worse loss ratio than average. So, after the elections are over, the legislature allows exceptions, amendments, and endorsements to jack them back up to something the auto insurance companies can make a ton of money from.
And there’s more. Most states allow individual companies to set their own rules to determine who gets charged what. So, one auto insurance company rates a particular driver one way, while another company rates the same driver differently. Each company sets those underwriting rules.
So how are auto insurance rates determined? First, the state usually gets involved. Then companies toss the dice between staying competitive and making as much profit as they can for their stockholders. And finally, now that the 'Black Box' is here, auto insurance companies are taking a closer look at every driver. Career, credit score, past record, even the city you live in helps 'drive' the rates. They have even found that those who select low limits of liability are greater risks than those who select higher limits. So, by raising your liability limits, you may actually lower your auto insurance rate.
For some, the new 'Black Box' technology reduces rates by as much as 20% over those companies not using it. The bad news is, since credit scoring does play a part in ALL auto insurance rating, the worse your credit score, the higher your auto insurance will go. No more 'discounts', no more 'loyal customer' credits, and the like. You will be rated right down to your underwear, placed in a group of drivers almost identical to you, and charged accordingly.

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Auto Insurance, Policy Assets and Customer Assistance.

One morning a friend of mine was running late for class at school. His wife was throwing together some kind of breakfast while he gathered his laptop, notebook, and picked out the books he was going to need for school that day. He zipped up his pack and ran outside to warm the car up. Except, there was no car. It had been stolen. My friend ran into one disappointment after another that week as he first found the insurance company wouldn't pay for a rental, then that the damage the thief did to the car would only be covered up to the deductible and that somehow he was going to have to come up with the 500 dollars before the car could be fixed.
He had supposed he had done due diligence by going to one of those car insurance quotes sites and finding the lowest priced quote. He had thought by getting cheap car insurance he had beat the system somehow. In reality, his cheap car insurance turned out to be crappy car insurance. His problem stemmed from a lack of information about his car insurance.
Before you buy your next auto insurance policy be sure you know all of the facts about the company's service policies. Cheap car insurance is only cheap if the product is as good as the more expensive car insurance. A good place to start is with a free car insurance quote, however obtaining an auto insurance quote is not going to be enough unless you know what kind of service you expect and whether or not the company quoted will provide it. The two A's will keep you straight. They are, Assets and Assistance.
Assets
You want to make certain that your car insurance quote includes every asset you could want or need in an emergency. When you are high and dry without a car, will your insurance cover your transportation needs? Check to make certain that the company you are buying car insurance from will provide you with an auto rental if something goes wrong. If your car is stolen--as my friend's was-- undrivable, or in the car repair shop for a few days you want to make certain that a car will be available to you. If not, you will be forced to call your in-laws and give them one more reason why you aren't good enough for their daughter. Check that you have road-side assistance, some variation on lock-out service, and towing service provided by some insurance company. Remember the car insurance quote is only low if the car insurance product is good.
Assistance
Find out what the auto insurance company's customer service is like before you buy from them. How do you find out something like that? First, there is no way to know for certain what type of people you will end up dealing with, but there are ways to know the probability of having a good experience. First, there is the low tech way of asking your family and friends what their experiences have been. The lemon auto insurance companies will immediately pop up in a network search of that kind, but let's say that you are a hermit and have no family or friends, or like one friend of mine, your family is all from the catskill mountains without cars or running water. If that is the case then you will need to try the high tech method: use the internet. One way is to make use of the Better Business Bureau's search engine. Find if any complaints have been registered against the auto insurance company in question and whether or not the company has resolved those complaints. I have checked the auto insurance companies that have treated my family poorly and they all seem to have a complaint--not made by me--against their name.
Another way to check the customer service of a company is to find a claims telephone number on their website and call it up. If their claims people are nice to you, the likelihood of the customer service being a positive team has just raised. After you have assessed the courtesy level of the auto insurance company's service department, then politely thank them for their time and hang up. No explanation necessary, they will just move on to their next call without giving you another thought. This technique is based on the theory that there are two kinds of companies: the ones who stock their sales teams with friendly people and put all the low-paid mean folks in their claims departments and the ones who stock both with friendly, professionals. Usually, this simple test will tell you the type of company with which you are dealing.
If the quoted auto insurance policy has both the assets you desire and a high quality of customer service, then the quote is a true quote. Remember if you think you might end up actually using the car insurance--which we should all assume we will--then check these two things before running after the apparently low premiums.

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Auto Insurance - If You Want To Know All There Is To Know

Cheap Car Insurance
When it comes to owning a car, there are a few things that go along with the luxury. Drivers must pay for gas to get them where they need to go, pay for any repairs that may occur, and must be insured. While the occasional driver will drive five miles out of their way to get the best gas price in town, many drivers forget that they should shop around for cheap car insurance as well. There are several ways to end up with the best deal when it comes to cheap car insurance. You must do a little research however, and reach out for the best bargain around, because it will not likely reach out to you.
Minimum Coverage
If you are looking for extremely cheap car insurance, your best bet is to go with a company that offers minimum coverage. Each state requires a certain minimum amount of auto coverage in which all drivers must be covered under. While some of the more established insurance companies will not offer these low coverage options, there are other companies that specialize in minimum coverage policies. You won’t be getting all of the perks that come with a heftier insurance plan, but your quest for cheap car insurance will be complete.
Combination Offers
If you own a home or a life insurance policy, you may be able to get cheap car insurance by combining the policies under one insurance company. Many insurance agents will offer you a nice discount when you insure your vehicle, home, and life with their company. Sometimes you will only be required to have two of the three, while other times you will be required to purchase all three to get a discount of any type. Make sure that it is worth your while to merge all of your plans however. Never switch a policy unless you are sure the rates are more competitive and the discount will be worth your while.
Annual Quotes
The biggest mistake most drivers make is not requesting new auto insurance quotes each year. While you may not think much can happen in a year, many companies change their annual rates drastically. You may be able to secure a lower rate this year with a company that offered you a higher rate last year. These rates usually change due to the increase in your age. However, sometimes they are simply due to a company’s policies changing and becoming more competitive. So, about two months after your birthday each year, make a few calls to be sure you are getting the cheap car insurance you long for.
As you can see, when you use these simple insurance tips, you can guarantee you will always be getting the best cheap car insurance plan available. Consider signing up for a minimum coverage plan to save a few dollars. Remember that if your vehicle has a lien on it, you may not qualify for minimum coverage. Ask your insurance agent about any combination offers you may be eligible for. Lastly, be sure to call annually to get new auto insurance quotes from several companies in your area. When you are attentive to the possibilities, you will find that getting cheap car insurance is not as difficult as it seems.

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Auto Insurance - How to Keep The Premium Down

Auto Insurance - Don't Pay Too Much
All Auto insurance premiums and costs are based on statistics. These statistics involve analyzing accident rates and theft rates for the different makes and models of automobiles, under differing circumstances. It is for this reason that auto insurance is significantly more expensive for teenagers than it is for adults. But there are many factors that determine the cost of your auto insurance premium.
Lets take a look at the main contributing factors.
A. Deductible. Having a low or zero deductible on your auto insurance will significantly increase the cost of the policy. This is of course a tradeoff, because you are gambling on the fact that you won't need to make a claim. You can pay up to 10% less on your annual premiums buy increasing the deductible. But a word of warning, if the time arrives to make a claim then you will be digging deeper into your pockets to pay for the larger deductible.
B. Crime Rate . If you are living in an area that statistically has high theft rates for your make and model of vehicle, then you will pay a higher premium. This is because your car has a much higher liklihood of being stolen, vandalized, or involved in an accident. There is not much you can do about this, you shouldn't move location just to cut your auto insurance costs. Don't make the mistake of asking one of your family who live in the rural if you can use their address for your auto insurance. If the insurance company discovers this, you may be in trouble when its time to make a claim.
C. Garage Parking. The majority of auto insurance companies will give you to a slight premium reduction because cars parked in a garage are less likely to be stolen, vandalized, or damaged.
D. Mileage. Some companies have a low milage discount if you drive less than a certain number of miles in a year. This is often difficult to become eligible for because you will need to limit your driving in order to qualify.
E. Anti-theft Alarms Most auto insurance companies offer policy discounts if your car is equipped with a safety device or antitheft device
F. Shop around to find the cheapest auto insurance available. Get a quote from every reputable auto insurance company in your town or city. Most reputable insurance companies are on the internet and its easy to get online quotes.
F. Insurance Consolidation. Most insurance companies will give you significant discounts if you have all your insurance policies with the same company.
G. Driving Courses. Most companies are now reducing the policy for people who take a driver education course. This mainly applies to new drivers. Insurance companies like to know that you are driver educated and therefore statistically have less liklihood of an accident.
H. Being Smart Helps. Many car insurance companies are now offering discounts for higher than average grade students.
7. No Claim Bonus. Most insurance companies will reduce the premium every year if you don't make a claim. Every year your premium will reduce if you do not have an accident.
8. Sports Cars Pay The Price. If you have a high performace sports car then you better dig deep. Sports cars and up market luxurious cars are the most expense to insure. Many times the cost can be double or more than a standard family car.
So finally, to save on your auto insurance premium costs its a matter of keeping the above factors at a level that are in your favor.

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Auto Insurance: Cheap Or Expensive

John Maxim is an independant writer who writes for several major publications. His latest project can be seen at Accounting Blog.
Cars are considered as valuable property. People have cars as a necessity but for some it is just a form of expressing luxury or vanity. Whatever the reason is, cars must be protected especially the owners and the people on the streets if any untoward incident.
This is where auto insurance comes in.
In the United States of America, there are varied policies concerning car insurance rates. The most common is that rates vary according to car model. As to date, these are the ten cheapest cars to insure and on the other hand, the ten most expensive to insure.
In this fast-paced world of young professionals and rising businessmen, a reliable means of transportation is an absolute necessity in order to stay on track in the urban rat-race. Years ago, owning a car was considered a luxury or status symbol, but now, given the rapid rate of technological developments it has become as essential and basic as eating and sleeping.
THE five CHEAPEST:
Chrysler Town and Country
The Chrysler Town and Country is a minivan marketed by DaimlerChrysler. The Town and Country was introduced in 1990, while its sister vehicles, the Dodge Caravan and Plymouth Voyager, had already been in production since the 1984 model year. Chrysler's success.
Chevrolet Cobalt
The Chevrolet Cobalt is a compact car introduced by Chevrolet in 2004 for the 2005 model year. The Cobalt is intended to compete with Japanese cars like the Honda Civic and Toyota Corolla.
Dodge Caravan
The Dodge Caravan and Dodge Grand Caravan are minivans manufactured by DaimlerChrysler (they were sold by the Chrysler Corporation until 1998). They were introduced in 1983 for the 1984 model year along with sister model the Plymouth Voyager.
Chevrolet Impala
Chevrolet's chief engineer in the late 1950s, defined the Impala as a "prestige car within the reach of the average American citizen." At its peak sales volume in 1965, the Impala was the best selling full-size car in the United States.
Chevrolet Silverado C/K Pickup
The Chevrolet Silverado from Chevrolet and its GMC counterpart, the GMC Sierra, are the latest line of full-size pickup trucks from General Motors.As of 2006, the Silverado pickup is the second-best selling vehicle in the United States, behind the Ford F-150 pickup.
These are just five among twenty cheapest cars to insure. For one not to spend bunch of money just for insurance rates, we let you know what cars do not require too much. In this modern time, it pays to have the best car but setting priorities will still be considered.
TOP TEN EXPENSIVE CARS TO INSURE:
Honda CivicChevrolet CavalierNissan AltimaFord FocusGMC SierraFord F-Series PickupChevrolet SilveradoDodge RamToyota CamryHonda Accord
OTHER CHEAP TO INSURE CARS:
Land Rover Range RoverPorsche CayenneG-Class Mercedes-BenzLexus LX 470Cadillac EscaladeCadillac SRXBMW X5
Sadly, the cold reality is that no matter which brand of automobile you purchase, you can never be totally certain that nothing will go wrong. There are just too many unstable factors on the road, drunk drivers, engine troubles, sleepiness, human error etc.
Yet, there is a way to protect yourself and be prepared for these so-called “road hazards” and unprecedented mishaps. This is where auto-insurance comes in. Auto Insurance is a form of insurance which comprehensively protects the insured from losses involving road mishaps depending on the type of coverage you purchase.

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Auto insurance & the internet

The internet is all about information, and, more critically, the ability to compare facts, data and information from several different sources quickly and efficiently.
Arguably, as a direct result of this simple fact, nobody has felt the effects of a potential customer’s ability to find, check and compare such data than companies trying to sell services (as opposed to products) online.
Unlike a physical product, a service is not tangible, you cannot pick it up, feel it, or touch it. Thus, a service provider needs to supply the maximum amount of information, because the more information the potential customer has, the more confident he is likely to be when making the buying decision.
What better way to do this than via the worldwide web?
A perfect example of this is the automobile or car insurance marketplace. In the past, if you wanted to get the most competitive quotation for your car insurance, you had to “shop around” by trudging from one insurance broker or company’s office to another, or by getting on the telephone to do the same thing.
The problem with this was that it was often difficult, if not impossible to know whether you were truly comparing like with like. There were (and, to a large extent, still are) so many potential variations from one company’s policy to another that it was almost impossible to know whether the two policies that you were comparing really did offer identical levels of protection and benefits.
This was not always a bad thing. For example, all car insurance companies tend to “load” the premium (i.e. charge extra) for “young drivers” to be included on a policy, which can be bad news for parents using the family car to teach their son or daughter to drive. However, Company “A” may define a young driver as someone below the age of 18, whereas Company “B” will use a threshold of 21 years of age.
If your child was 19, the chances are that Company “A” will be the best bet in these circumstances.
In other words in the old days, it was absolutely necessary to “read the small print”, to avoid ending up with a automobile insurance policy that really did not meet your requirements, although it appeared at first as if it did.
Coming right back up to the present day, whilst the small print is still extremely important, the internet has effectively ensured that it is no longer so small! It is now possible to make meaningful and accurate comparisons of exactly what two companies are offering with their car insurance policy at the touch of a button.
You are still “shopping around” but you are doing it at our own speed, from the comfort of your own home.
In this way, the internet has made finding the best car insurance a far less stressful business than it was in the past, and has also guaranteed that the policy you buy is absolutely the most suitable for your own circumstances.

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What is Auto Insurances

Auto insurance is mandatory in most states. The law mandates to have auto insurance on any vehicle you drive. And nowadays getting auto insurance is not a big deal at all. There are numerous insurance companies available today offering auto insurance policy and each insurance provider offers their own custom made schemes with a cover to match today’s industry needs. Hence the real game is to find out the best suitable one which suits you the best.
One of the basic things to take into consideration before getting any auto insurance policy is the type of coverage you need. Which ever policy you choose you have to pay a certain amount of money depending on the type of coverage you choose for your vehicle. Let us look in details what are the main types of auto insurance policies available in the market.
One of the most common types of auto insurance is the liability insurance. Liability insurance is considered as the least coverage an individual can take. Liability insurance is regarded as an important one it will cover up to its stated amount if any accident has occurred causing harm to some other's body or property, and the person operating the insured vehicle was found to be liable for the accident. The auto insurance company will pay the stated amount to the injured according to your insurance policy. But remember if you are injured or hurt in the accident, you will not get any coverage and will have to spend all the money for medical expenses as well as any damage happened to your vehicle yourself. In most cases after any claim, auto insurance companies usually increase your monthly payments if you are found liable for the accident.
The second popular type of auto insurance is the Full Insurance. If you are selecting the full insurance scheme your monthly payments will be based on your vehicle make and model. If you are using a highly expensive car then you monthly payments will be high for a standard car the premium amount will be less. Full insurance will cover both the parties involved in an accident. Full insurance would covers up to either the actual cost of repairs or the stated amount, less the stated deductible, when the insured vehicle is damaged in any accident.
Before sticking into any auto insurance it is better from you part to talk with various auto insurance providers to know the difference scheme provided by them. Ask them if they are able to send you insurance quotes on the policies and the types of coverage they provide. Study the auto insurance policies and compare their rates and advantages carefully before selecting a particular offer. And try to select an ideal auto insurance policy which suits you the best.
Nowadays there are numerous websites which offer instant auto insurance quote comparison services. This helps the customers to compare the same service provided by different auto insurance providers before selecting any particular insurance provider.

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Steps To Cheap Car Insurance Premiums

Car insurance is compulsory, but it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you serious money at renewal time.
Step 1 - Cut the Risk and Cut the CostThe easiest way to cut your car insurance premiums is to cut the risk and accept a higher voluntary excess. An insurer's standard excess may be £100 but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft or a bill for repairing bodywork damage after a car park crunch.
Step 2 - Security Means SavingsFitting security devices can also result in cheap car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind.
Step 3 - Annual Mileage, Less Means More in Your PocketIf your annual mileage is, 5,000 miles or less, ask insurers if they offer discounts for agreed mileage restrictions.
Step 4 - Named Drivers TrickAdding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. Adding a young driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female!
Step 5 - Shop Around and Save Even MoreThe biggest car insurance savings come from shopping around. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). Start off using good comparitive online quotation sites, take their best quotes and go direct to the cheapest car insurance company for more specific quotes.
So next time your renewal quote arrives, don't just accept it and give your money away to the insurance company. Use the steps above and get the right cover at the right price.

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