:::

Affordable Car Insurance Information

:::
 




:::

Affordable Car Insurance Articles

:::

10 Ways To Lower Your Auto Insurance

By Pete Lance

Nowadays, auto insurance is really expensive. A typical insurance policy can cost a few hundred dollars to a few thousand dollars a year. And the insurance rates you pay are hugely dependent on the insurance company or agent, your age, your car type, your driving record, and even the area you reside in!

You should never go without auto insurance though, despite the costs. Almost all the states require you to protect yourself with a minimum amount of liability coverage. Naturally, the bare minimum is not adequate enough for the average car owner. And as you add in additional coverage for your car, you realize that you will be paying a fairly large sum annually.

So, understanding auto insurance can actually help you to decide on a suitable insurance policy that won't vacuum clean your wallet! Here, we have gathered 10 of the best tips for lowering your auto insurance, by as much as 40%!

Always compare insurance policies. There are states which regulate auto insurance rates, but the insurance premiums can vary by hundreds of dollars for the exact same coverage. It is definitely worthwhile to shop around. The first thing you can do is to check with your state insurance department. They often provide information about the coverage you need, as well as sample rates from the biggest companies. You can also ask your friends or look up the yellow pages. Checking consumer guides and asking insurance agents can pay off as well. You can easily find out the price range for your insurance policy, as well as discover the lowest prices in town.

However, you should not be shopping based on price along. The insurance company should provide good service at the best price. Excellent personal service is available as well, and they provide added conveniences, although they cost a fair bit more. Ask the company how you can lower your costs, and also check their financial ratings. The rule of thumb is always to get three price quotes from three different companies, and pick the one with the best value.

It can also be a good idea to increase your deductibles. When you file a claim, the deductible is the amount you pay before the insurance company pays for the rest of the damage. A higher deductible on collision and comprehensive coverage can lead to a much lower premium. For example, increasing your deductible from $200 to $400 can reduce your premiums by up to 25%. However, you must ensure that you have the financial resources to handle the largest deductible when the time comes.

Remove certain types of coverage from your policy. Almost all the states require liability coverage for your car, but the rest of the coverage is probably dispensable. However, you do not want to be underinsured if you're in an accident, so it isn't advisable to remove all of your additional coverage. Optional coverage includes medical payments, uninsured motorist, collision, and comprehensive coverage.

Drop collision and comprehensive coverage for older cars. If you drive an older car that's worth less than $2,000, it's probably more cost-effective to drop collision and comprehensive coverage since you'll probably pay more for the coverage than you'll collect for a claim. You can find out the worth of your car by asking auto dealers and banks.

Make sure your credit report looks good. Car insurance companies often look at your credit history as there is a correlation between the risk to the company and your credit history. If you pay your bills on time and maintain a good credit history, you can enjoy lower insurance rates.

Drive less. Insurance companies often offer low-mileage discounts to motorists who drive less than a predetermined number of miles each year. You can use public transportation more often, car-pool with friends, and take the train or a plane instead of driving to another state. And you'll save on more than your coverage as you'll need to spend less on gasoline (of which prices are incredibly high).

Maintain a clean driving record. The company will give you a price break and you can save on your insurance policy after a specified period of a clean driving record. This means that you have no accidents, no serious driving violations etc, during this period of time. The simplest and surefire way to qualify for this discount is to drive carefully and defensively all the time.

Choose a low-profile car. Insurance rates vary among difference models of vehicles. Generally, sports cars and high-performance cars tend to cost more to insure, mainly because they represent more risk of theft and the drivers are often the people who drive more recklessly. Newer cars will cost more to repair or replace than older ones, so naturally they can more to insure. Low-risk vehicles include station wagons and sedans.

Ask about safety and security discounts. The insurance companies sometimes offer discounts on your insurance if your car is equipped with the following: anti-lock brakes, air bags, automatic seat belts, car alarms, tracking systems. These reduce the injury risk to you, as well as the chances of your car being vandalized or stolen.

Finally, ask about other discounts. You may receive a discount if you buy more than one type of insurance from the same company or if you insure multiple cars under the same policy or company. You may also receive discounts for taking a defensive driving course, staying with the same company for a few years, being a driver over 50, good-student discounts, and being an AAA member. If you already have adequate health insurance, you can also eliminate paying for duplicate medical coverage, thus lowering your personal injury protection costs by a substantial amount.

Free Quote Affordable Car Insurance - Turn 21 Today!


:::

Affordable Car Insurance Featured Resources

:::


SEARCH RESULTS

Annuities: The Shocking Secrets Revealed
Discover The Shocking Secrets That Banks And Insurance Companies Don't Want You To Know.

Insurance Leads Generation
Generate Quality New Leads At A Fraction Of The Cost Of Offline Marketing.

Car Auction
From The Gov-Records.com Team!

State Car Auctions
Local Seized Cars and Real Estate Auction Listings


:::

Affordable Car Insurance News

:::


Car Insurance Mistakes to Avoid
No one?s a pro in making decisions the first time especially when money is involved. Choosing car insurance could be tricky as the providers? rates change every now and then because of several factors. Here are common mistakes when choosing car insurance: #1 Choosing Price over Coverage The cheapest is not always the best. Even [?] The post Car Insurance Mistakes to Avoid appeared first on ...

Affordable Car Insurance Providers Quoting Plans Online Added to Insurer Portal Website
New affordable car insurance providers are now helping to quote policies online using the Quotes Pros database at http://quotespros.com/auto-insurance.html . (PRWeb September 04, 2014) Read the full story at http://www.prweb.com/releases/affordable-car-insurance/auto-insurance-quotes/prweb12146323.htm

Farmington ranked third best place to buy affordable car insurance statewide
A consumer report by ValuePenguin.com rates Farmington as the third best place to buy auto insurance statewide. More than 100 cities in New York were analyzed and ranked based on their auto insurance premiums.

Affordable Car Insurance by State Now Found at Public Insurance Website Online
Affordable car insurance is now searchable by state through the Quotes Pros website at http://quotespros.com/auto-insurance.html . (PRWeb August 24, 2014) Read the full story at http://www.prweb.com/releases/affordable-car-insurance/auto-insurance-quote/prweb12117481.htm

ProgressiveŽ Insurance Teams Up with Zubie to Reward Safe Drivers
Progressive and Zubie are collaborating on an industry-first telematics solution to deliver savings to consumers for their safe driving. Customers of Zubie?s connected car service can now earn discounts on their auto insurance from leading usage-based insurance provider, Progressive.

Car Insurance Yorba Linda CA: Target Up Insurance is Expanding
YORBA LINDA, Calif., Sept. 10, 2014 /PRNewswire-iReach/ -- Car Insurance Yorba Linda CA - Car insurance is not something many consider on a regular basis, and when it is time to start thinking, many just go with the first major company they find on the television or online. This is a shame, particularly because Target Up Insurance, a company with over 30 years of service in the Southern ...

Car Insurance Anaheim CA: Target Up Insurance is Expanding
ANAHEIM, Calif., Sept. 9, 2014 /PRNewswire-iReach/ -- Car Insurance Anaheim CA - Target Up Insurance Services, a leader in Southern California insurance for the best rates and premiums is pleased to announce they are expanding their services to include the Anaheim, Calif., area. Providing the best in car, home and life insurance, Target Up has a solid reputation of working with anyone to get the ...

Rental Car Insurance for 50 States Now Quoted for Motorists Online
Rental car insurance is now viewable for affordable rates in all 50 states at the Quotes Pros website through the public system at http://quotespros.com/auto-insurance.html . (PRWeb August 28, 2014) Read the full story at http://www.prweb.com/releases/rental-car-insurance/car-insurance-quotes/prweb12130720.htm

Car insurance costs remain stubbornly high in Bradford despite premiums falling nationally
BRADFORD continues to be a hotspot for sky-high car insurance premiums - after the city bucked a national trend and saw a rise in prices.

Car insurance premiums remain stubbornly high in Bradford
BRADFORD continues to be a hotspot for sky-high car insurance premiums - after the city bucked a national trend and saw a rise in prices.


:::

Affordable Car Insurance Blogs

:::



Google


 

Best Sellers from



GatorDocs

Lighting 2 Light Bulbs



Want to Link to Us?

Link to CarInsuranceHunter.com