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Cheap auto insurance quotes

How to find cheap auto insurance quotesHow to find cheap auto insurance quotes.

If you think you’re paying too much for your existing auto insurance, put the internet to work and with a little effort it’s easy to find cheap auto insurance quotes that can save you money right now, here’s how…

Compare quotes

Only by shopping round for competitive insurance quotes can you find cheap auto insurance quotes. Most people don’t bother or compare just 2 quotes with little thought to the factors insurance companies base their prices on.

Cheap auto insurance quotes aren’t necessarily the best, it’s more involved than comparing the bottom line. The manner in which insurance claims are processed and approved is an important consideration as is the speed that claims are settled.

The manner in which an insurer deals with you both verbally and in writing is important, they should be easy to contact, courteous and willing to help. Remember that following an accident you are likely to be in a state of stress and the last thing you’ll need is a company you can’t contact and doesn’t take a personal interest in resolving your case.

Deductibles can save you money…

A higher insurance deductible equates to cheaper auto insurance quotes, when a claim is filed you will be responsible for the first $X’s, the deductible, and the insurance company pays the balance. The choice you have to make is between a lower deductible with a higher premium but less out of pocket expenses if a claim is made or a higher deductible with a lower premium but higher costs to meet if a claim is made. It’s a choice that only you can make but if you want a cheap auto insurance quote increasing your deductible from $200’s to $1,200’s will give you significant savings on your insurance premium, but there are risks…

Choose the highest deductible you can afford should the worst happen and enjoy the savings from your reduced premiums.

So select the maximum you can to pay—the higher the better because the difference in your car insurance premiums will mean more cash in your pocket.

Ask for a discount

Another favorite saying from my Grandmother was “If you don’t ask you wont get” and that is so true, unless you ask they are very unlikely to offer additional discounts, there are many reasons why they may and I have outlined some important ones below…

Your existing insurance company probably offers lower rates to new customers and they might be persuaded to offer similar rates to keep your business.

Multi line discount is often on offer if you insure both your home and auto with the same insurance company.

Good driver discounts are offered if you have not had an accident or ticket in a long time

Installing car alarms and tracking systems is seen as reducing the risk of theft and most insurance companies will pass the savings to offer cheap auto insurance quotes.

Low mileage discounts are available if your average mileage is typically less than 40 miles per day you will be offered a cheap auto insurance quote.

You car makes a difference

A less desirable auto is less likely to be stolen and usually attracts a cheaper premium. Comparing rates between cars before buying might force you to reconsider your options if there is a notable difference between premiums, choose the insurance before deciding on your new car.

Finding cheap auto insurance quotes isn’t difficult when comparing quotes online, in less than 5 minutes you can save hundreds of dollars off your annual premium, armed with the knowledge and the will to do so cheap auto insurance quotes are easy to find.
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Accident Scams Affect Low Car Insurance Costs

low-car-insurance in USADishonest people scam insurance companies every day. Insurance companies then pass the cost of these scams down to the consumer by raising rates. What is more worrisome than the scamming and loss of low car insurance is the life risk these criminals pose to each and every one of us. They do not care that our lives and our family’s lives are put in danger by their unscrupulous behavior. Learn how to recognize and avoid some of the most common accident scams.

The sideswipe: A person will continuously make left hand turns in an intersection with multiple lanes until someone accidentally crosses the lane lines. The scammer then speeds up and causes a collision. To help others, tell the police if it seems that the other vehicle sped up instead of braking. You can avoid this type of crash by diligently keeping to your lane.

T-Bone Crash: This crash is orchestrated very simply. The criminal will inconspicuously wait at an intersection until someone crosses, then ram them. The criminal will claim you ran the red light or stop sign. Planted witnesses will collaborate with the other driver. This is hard to avoid. Do your best to find a witness not involved in the scam.

Swoop and Squat: Almost everyone has heard of this tactic. It is when a car swoops in front of you quickly, then slams on the brakes (squats). Many times the vehicle has multiple passengers who will claim injury. Often there are doctors and lawyers involved also. This one is extremely hard to avoid. The best thing is to just pay attention to passing vehicles and be prepared to stop quickly. These scams tend to file huge claims and affect the low cost of insurance the most.

Right of Way Scam: A really nice person gives you permission to merge with a friendly wave, then crashes into you. This person denies ever yielding right of way. You can avoid this one of two ways. You could never submit to strangers kind gestures or you could hesitate before merging. This assures there is plenty of room for you to accelerate quickly when changing lanes. It will help avoid a side impact. Then if the perpetrator hits you from behind, he or she clearly accelerated and it will be his or her fault.

Paper Scams: Criminals will report a bogus hit and run or will file a claim for a low amount of money. Amounts under one thousand don’t tend draw red flags from insurance companies and can add up to a lot of money if claimed several times a month. these criminals will usually switch insurance companies often or enlist multiple partners in the scam and split the profits. These don’t affect others except for ruining low cost insurance rates.
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Save Money: Affordable Auto Insurance

Purchase Auto Insurance from Same ProviderIf you’re shopping for affordable auto insurance and looking to save money, there are many variables to consider. The price of auto insurance varies depending on the car you drive, your driving record, and the insurance company you choose. This guide has information to help you choose the best auto insurance policy for your goals.

Shop Around

It’s easy to shop around and get price quotes from various companies now that most of this information is online. Insurance Information Institute (www.iii.org) suggests drivers get at least three price quotes. You can get an online auto insurance quote from an insurance Web site or call them directly. Sometimes, your state insurance department has charts to compare auto insurance (http://www.iii.org/media/companies/state_org/insur_departments). Be sure to compare quotes from different types of insurance companies. For example, some companies sell policies through their own agents, while others sell through independent agents who offer policies from various insurance companies. Sometimes policies are sold directly online or by phone. Depending on the sales method, prices may vary.

Remember, though, you shouldn’t shop by price alone. Make sure the company as a whole satisfies you. Do they answer your questions and handle claims effectively and fairly? Talk with friends, family, and co-workers, or check consumer magazines. State insurance departments also provide consumer complaint ratios for various companies.

Ask for Higher Deductible

A higher deductible can lower the price of your auto insurance considerably. According to www.iii.org, “Increasing your deductible from $200 to $500 could reduce your collision coverage and comprehensive coverage premium by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more.” These are substantial savings; however, you need the deductible on hand in case something happens to your vehicle.

Compare Insurance Costs Before Buying Car

The price of auto insurance depends greatly on the type of car you drive. Factors include the sticker price, costs for repair, overall safety record and the likelihood of theft. Often insurers offer discounts to drivers who take measures to reduce the risk of injuries or theft.

Purchase Home and Auto Insurance from Same Provider

If you buy two or more types of insurance from one insurer, you will often receive a multi-policy discount. You may also pay a lower price if you insure more than one vehicle with the same insurance company. Often, long-time customers are offered reduced premiums.

Take Advantage of Low-mileage and Safe-driver Discounts

Some motorists receive a low-mileage discount from their insurers for driving a lower than average number of miles per year. These discounts also often apply to drivers who carpool. And, if you’re a safe driver, and you have not had any accidents or moving violations in a number of years, many companies will reward you with a safe-driver discount. If you’ve recently taken a defensive driving course, you may also receive a price reduction.

To save money on, business auto insurance is something to ask about. You may be eligible for insurance through your employer, or through professional or business groups and other associations you are involved in. You should also closely monitor your credit rating because your credit may affect the price you pay for insurance. No matter what, always shop around and compare prices. This is the most effective way to save money on auto insurance!
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Car Insurance – Cheaper to Go Green

car insurance costMany drivers have noticed that their car insurance premiums have recently risen and as a result say that they would go green in order to save money.

A leading comparison site has found that a quarter of drivers are paying more for their car insurance than they were last year, with the average policy rising by 6 per cent. This increase also seems set to continue as experts believe that there may be further rises to as much as 10 per cent by the end of this year.

The comparison site is warning drivers that unless they shop around and compare prices in order to find cheap car insurance , they could end up paying a lot more than they have to for their premiums.

Out of all of the people questioned in this survey, 28 per cent admitted that they had accepted the increase and only 30 per cent said that they moved to a different insurer after prices increased.

The comparison site said that with prices for things such as mortgages and food rising, we should be taking every step we can in order to save money.

Due to this trend of car insurance costs rising, another price comparison site has found that two thirds of motorists would rather buy a more environmentally friendly car if it meant that their car insurance premiums would be lower.

There are already around two million drivers who claim they drive a ‘green’ car, however; a further 21 million say that they would consider driving one if it meant them having more money as a result.

When motorists were asked what their reasons were for buying an eco friendly car, most admitted that it would be because of the money incentive rather than the any environmental worries they may have.

With many British drivers saying that they would be willing to embrace greener driving, it is down to the Government to give them the incentive by making greener driving cheaper. The problem at the moment is that it doesn’t look to be cheaper, as the cost of repairs could mean that it ends up being a lot more expensive. If the Government was to reduce the cost of road tax for green drivers they would have more of an incentive. However, at the moment, it looks like the best way of ensuring cheaper car insurance is to continue comparing quotes.
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Car Insurance - Cheap Auto Insurance Quotes

Car-Insurance, Auto-Insurance, CheapCheap Auto Insurance quotes are designed in many different ways to cover your specific insurance needs. One needs to analyze these quotes in detail before making a decision. It also helps if you have basic knowledge on all or at least some aspects of cheap Auto Insurance. You can find literally hundreds of online resources offering you thousands of attractive cheap Auto Insurance quotes. But should you opt for them, just because they are cheap? It depends. When it comes to insurance, sometimes the cheapest policy is not the best way to go.

Attention! Have a look at the type of car you drive. Certain types of cars attract higher Car Insurance rates.

You need to know the rules, which govern your state, with regard to Auto Insurance. Certain states, for example, may require you to have comprehensive liability coverage, which is also known as third party liability in some countries. This covers you in case you are at a fault during an accident, whereas in other states, you are simply required to carry a ‘no-fault’ policy. Read the rest of this entry »

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