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Tips For Lowering Your Auto Insurance Quote

By Terje Ellingsen

Do you have many claims? If so, you should do all you can to reduce them or even endeavor to file no claims at all. Why do I bring this issue up in an article about lowering your auto insurance quote? Because the number of claims is the single factor that to the highest degree influences the cost of your insurance premium. Let me give you an example: Let's say you have 5 years of no claim. Most companies will then give you an unbelievable discount of your premium, some of them even 75%! It goes without saying that this is the most powerful way to get cheap insurance.

How can an insurance company do this? Look at an insurance company as a big box of money dropped in by people who gets security in return. What the company does is simply to reallocate the money that is left when the payments for damages are deducted.

People that have many damages and file many claims, must pay a higher premium and thus get a higher car insurance quote.But a safe driver that avoid claims, is rewarded with a lower one. Fair enough?

If you are new to insurance - or even if you have had insurrances for some years, but feel you lack knowledge about it. - I'll advice you to learn the basic auto insurance terminology, before you start to shop around. It can help you, not only to get a low cost insurance but also to make the correct coverage decisions for you. Let's do a little test: Do you need PIP coverage? What does PD coverage mean? What is BI coverage?

Do not accept the first quote you get

If you ask an insurance company for a quote, you can be almost hundred percent sure you'll get a better one from at least one other company. Comprehensive marketing research the recent years has shown that prices for a new six-month policy with comparable coverage can vary greatly between different companies. And we are talking about spreads in rates of at least $500

So, equipped with this knowledge both you and I know that it pays to do a little legwork and shop around for car insurance.

Most insurance companies have a form of questions you must provide answers to in order to get an understanding of your security situation. It is really astonshing, how much the criterias for determining the price can vary between companies. What one company may consider a high risk factor another company may view as a minor risk. So why not take a little time to compare rates for a number of different companies?

The first thing you should do before you start this comparison is to go through your insurance coverages and keep your auto insurance policy on hand. Then go online and start to shop around. The internet is probably the most comprehensive, fastest and easiest way to find a decent vehicle insurance quote.

And what's even more incredible, many insurance companies now offer some great discounts for buying the policy over the web - a discount that come in addition to the no-claim discount described above.

How is this possible? To handle an insurance sale in general cost money for the companies. However, a sale on the internet will cost less money than selling it over the counter. They do not have to involve human resources if you purchase it online. Thus the companies save money on your internet purchase, and a part of this saving is passed on to you as a discount, a significant discount if you buy from the right company.

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Liability Car Insurance News

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Car Insurance Santa Ana CA: Target Up Insurance Is Expanding
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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 Quotes for Liability Policies Now Presented to Auto Owners at Insurer Portal Online
Car insurance quotes are now presented for liability policies using the price tool at http://quotespros.com/auto-insurance.html at the Quotes Pros website. (PRWeb August 30, 2014) Read the full story at http://www.prweb.com/releases/car-insurance-quotes/auto-insurance-rates-find/prweb12134397.htm

D.C. area among metro areas with least expensive car insurance
In a region where everything from gas to groceries seems more expensive, one thing is ranking among the least expensive in the nation: car insurance.

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 ...

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How Car Theft Affects Your Insurance Rates
See whether your car is on the latest list of most-stolen vehicles and how that might affect your premiums.

Update: It's Still Ridiculously Expensive To Drive In Detroit
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Liability Car Insurance Rates Now Supplied to Motorists at Insurance Website Online
Liability car insurance rates are now being generated for drivers who use the Quotes Pros database for price research at http://quotespros.com/auto-insurance.html . (PRWeb August 25, 2014) Read the full story at http://www.prweb.com/releases/liability-car-insurance/collision-insurance/prweb12120225.htm

Michigan village eliminates police department over liability insurance
? Officials in a small Saginaw County village have shut down their police department until it gets liability insurance.


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