Monthly Archives: April 2020

Best Car Insurance Quotes: Guide to Choosing the Best and Most Affordable Insurance for Your Vehicle

When it comes to auto insurance, rates vary considerably – even for just one person. One company may find you to be high risk and give you a high rate, while another might find you to be a decent driver and give you a lower rate. There are 7 major companies that insure most people in the US, as well as small, regional companies. It’s a good idea that you try to get the best car insurance quotes from both the big name companies and the smaller ones. Evaluate your options carefully.

In order to provide you with accurate options, car insurance comparison sites will require that you provide them some details about your driving record, zip code, current vehicle, and so forth. Even if you have a good driving record, there could potentially be other factors that could affect the quotes you receive, including your city, state, vehicle model and make, and even your credit score. If you’re a student, you might be able to get a discount if you make good grades. There might be an option to get a discount in your area if you complete a defensive driving course.

Decide whether or not you need compensation and collusion insurance. Keep in mind this will only pay you for the current market value of your vehicle if it is stolen or has to be totalled. The cost to carry this coverage may very well cost you more than what the replacement value of your vehicle would be. This is often the case for those who are driving older models or cars with high mileage.

Bundle Discounts With the Best Car Insurance Quotes

If you need other types of insurance, there are usually “bundle discounts” available. You can often get the best car insurance quotes if you group multiple vehicles together, as well as insuring homes, property, and other items of value.

Decide what you want to do about your deductible. The higher the deductible amount you agree to pay out of pocket, the lower your insurance payments will be. However, make sure that you do have enough money in an emergency savings account just in case you really are in an accident. You don’t want to get caught unprepared.

When comparing best car insurance quotes, read over the fine print carefully and make sure you understand extra fees. Some companies will charge you simply to process paperwork. You could save money by arranging for automatic electronic payments. If you still prefer to pay manually, what will the late-payment fee be in case you forget about a payment or are unable to make it on time?

Getting the cheapest auto insurance possible is something that needs to be reviewed every 5 or so years, if not more. The cost of auto insurance is always changing, as is your driving record. It’s definitely a smart idea to search for the best car insurance quotes at esurance. It’s a very simple site to use and you can easily compare multiple quotes in no time at all.

Cheap Liability Auto Insurance Info: What Should You Do to Find Affordable Car Insurance Coverage?

Getting just the minimum amount of auto insurance in your state can be risky, since it’s usually not enough to cover everything. It might help you pay for damages to the other person’s vehicle or property, as well as their medical expenses, but what about your own car and medical expenses? The idea is to try and get the most coverage possible with cheap liability auto insurance.

Carefully read over all of the different types of coverage and decide which ones will be right for you. Search for quotes online and read reviews on each company to learn more about them. Just as you’d never buy the car itself without first shopping around, you should do the same with insurance. How do you get quotes? You enter details about your age, location, car, etc. and hit “submit” or “search”. The details that you have to enter vary depending on the website you use for searching for quotes.

You don’t want your cheap liability auto insurance to be too cheap. Look for value, not the lowest monthly rate. Also, there are deductibles to consider. If you really aren’t confident that you’ll be able to pay money out of your pocket in the event that you are involved in a collision with a lot of damage, then consider paying more on the premium. Try cutting a few other expenses here and there to help you make the payments.

Cheap Liability Auto Insurance Coupons and Discounts

The good news is that there are always ways to save money, as auto insurance companies often offer coupons and discounts to help both new customers and loyal customers. For instance, you might be able to get a discount off your first-term premium by signing up and buying car insurance with a particular company. There are also “pay-in full” discounts that will give you a percentage off the premium if you pay it upfront instead of monthly.

There are several other categories of potential discounts as well, such as being a good, safe driver with a clean driving history and having safety features installed. A few examples include “Anti-Theft Discount”, “Antilock Brakes Discount”, “Defensive Driver Discount”, etc. Even though younger people are usually expected to pay more money for auto insurance, there are still “Good Student Discounts” offered by most insurers.

In summary, you’ll want to learn about the minimum car insurance requirements in your state and then fill out a form to search for quotes. Compare them and look over all of the discounts. The best place to start your search for cheap liability auto insurance is esurance.

Find Some Hidden Expenses in Your Car Insurance Such As Healthcare?

Chances are, if you own a car, you might be paying for some unnecessary “extra options.” For example, if you already have health insurance, why does one need the “medical coverage” under car insurance? Have you ever asked your car insurance company what this means? So what if you get into a car accident and you are injured? Will your current health insurance wait for your car insurance to kick in because you have this “medical coverage,” thus delaying claims? How long will this be delayed, and will this affect your health insurance coverage because of a “lengthy delay,” costing you more out-of-pocket medical expenses because you missed the submission day? It all sounds to familiar, right? But if you do not have health insurance and you are injured in a car accident, this “medical coverage” can help pay for some of your medical bills (it did for me).

In general, this “medical portion” of your car insurance MAY cover the following, but be sure to ask your car insurance representative to explain:

  • Some funeral expenses
  • Passengers that might be hurt while you or a family member is driving
  • If you are an injured passenger in someone else’s car
  • If you are struck by a car while walking or cycling
  • If you require dental care after an accident
  • If you require extended nursing services or hospitalization while rehabilitating
  • If you require prosthetic limbs

So if you are doing some “summer cleaning” and you are trying to uncover some cost savings because you are worried about that mysterious increasing premium under your health insurance, be sure to call your car insurance and start asking questions (and be sure to document the answers).

Start with these warm up questions: Do you really need the rental car option if you have a new car? How does that loss of income actually help you and in what situation? When does that bodily injury actually kick in, and what part of your body?

When you feel warmed up to the point that the car insurance representative is sweating, start asking about the “medical expense payments.” What is the bare minimum requirement needed in your state? What does it cover? How does it compare to your current health insurance? When does it kick in?

In addition, don’t be afraid to ask for more discounts, including any new discounts you might qualify for. In the end, you just might find you have saved yourself a couple of hundred on your car insurance; enough to pay for your new health insurance premiums… I know I did:)

Cheap Car Insurance

Finding good car insurance can be very difficult. Here are a few tips:

  • Try a few different insurance companies. Companies are different. So are their prices. You may find that one company wants to charge you $1000/month for insurance and another will only charge you $400/month. You might be one of the lucky ones who only gets charged $30/month. Regardless of who you are, call multiple carriers even if the first quote you get appears to be low. You may find another company with a lower rate for you.
  • Talk to friends and family. Other people are just like you, they want cheap insurance too. Chances are, you know someone who has already called all over the place and can give you some good pointers on which car insurance companies were the cheapest for them. Remember, nobody likes to spend money on auto insurance.
  • Use the internet. The internet is a great place to find auto insurance. You can find out information about insurance companies, compare rates, get quotes, and shop around without leaving your house. There are also websites out there like 1carinsurance.org who have organized insurance company data and user data and will tell you which companies people are having success with in finding the best car insurance [http://www.1carinsurance.org] for them.
  • Get auto insurance quotes. Don’t just trust them. Get a quote. They’re free (or, if the quote isn’t free you know you don’t want to use that company). If you can get quotes from 6 or 7 different companies, you then have hard data to compare the companies against each other. You’re also pretty sure you’re going to get the lowest rate.
  • Try local companies. Often times people only think about the big auto insurance companies like Geico or Progressive. They don’t even look around their local communities for auto insurance companies that might exist. Often local companies can offer cheaper rates because they don’t have the large buracracy that larger companies have.

Just remember to shop around as you look for cheaper car insurance. The first company isn’t always the best.