Car Insurance - Comparing Auto Insurance Quotes

By  Victor C.

It doesn't mater where you are trying to get a car insurance, USA, Canada or any other country; you can save good money by looking for auto insurance at discount prices. Of course, the first thing you need to do is to get several auto insurance quotes in order to choose the best one for you.
   
Don't listen to people who tell you that finding good and affordable car insurance is very difficult, this is actually a simple task if you use the online tools that you can find on the Internet. Several auto insurance companies can provide you with insurance quotes instantly by using the resources offered in their sites making very easy and fast to buy an auto insurance right at that moment.

As we mentioned before, it's really important to get as many insurance quotes as you can and compare their coverage. Of course, it's very important to all the clauses that might be hidden. A good number of quotes that you could compare is 10. That will give you a good range of comparison in order to get the best one possible.

Another advantage of buying your car insurance online is that you can save lots of time and money. There's no need to spend hours on the phone or driving around town from company to company in order to see an agent. You can get all this in a few minutes with a few clicks and in the comfort of your own home.

You should also know that the car insurance industry is very competitive. For that reason, many companies can offer up to 40% discount if you get your insurance online. This competition is the best thing that can happen to consumers since the prices will tend to get lower with the pass of the time which will allow you to always be able to get the best deal at the best price.

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Do You Qualify For Cheap Car Insurance? Take This Test!

By Debra Proctor

It's always a mystery as to why different people get different rates on their insurance. Why do some people get cheap car insurance and others don't? Wouldn't you like to know if you could be one of the lucky ones that can qualify to get cheaper insurance? Take this quick test and see if you could be one of those lucky people that can get a better rate and what you can do to improve your chances of better rates.

-    Do you have any safety features installed on your car?

-    Do you belong to any professional organizations?

-    Are you a senior citizen?

-    Do you have a high-risk profession?

-    Are you insuring more than one driver?

-    Are you willing to insure more then just your vehicle?

-    Are you willing to raise your deductible?

-    Have you been involved in any automobile accidents within the past year?

-    Does your teenager get good grades?

If you checked any of the above questions, you are eligible for a discount on your auto insurance. Let's look at these one-by-one.

1.      Safety features installed - If your car came equipped with, or you had installed air bags or anti-theft devices, you qualify for a safety feature discount.

2.      Professional Organizations - Some companies will give you a lower rate on your auto insurance if you buy through a group plan from your employer, business or alumni groups, or other associations like AAA.

3.      Senior Citizen - The age at which you are considered a senior citizen varies from company to company, but check to see if you have reached that 'magic' age. Some organizations give a $300 discount to customers over 50.

4.      Profession - Insurance companies have conducted studies that show certain professions  have safer drivers. These professions are: educators, scientists, and engineers.

5.      Insuring multiple drivers - Companies refer to this as "multi-line" insurance and  will give you a better deal if you insure more than one family member with them. They're getting more business, so they give you a break.

6.      Insuring more than your vehicle - You will qualify for a multipolicy discount if you buy your auto, home and life insurance from the same insurance company.

7.      Assuming more risk - By changing your deductible from the standard $1,000 to $250 you could cut your premium by up to $677 per year.

8.      Clean driving record - If you've had no accidents or traffic tickets in the last three to five years, you will qualify for a safe driver discount.

9.      Good grades - Many companies will give you a "good student" discount when your child makes a "B" average or above.

So, how did you do? Now that you're armed with knowledge about which discounts you may or may not qualify for, go out and do some comparison shopping so you can take advantage of these discounts and get cheap car insurance.

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Banks That Offer Auto Loans For Bad Credit Individuals - 5 Tips

By Marie-Claire Smith

When it comes to auto loans, people with good or excellent credit (credit scores above 700) don't know how good they have it. For these borrowers, auto loans are easy to come by. And, not only that, but these lucky folks are offered at the lender's primo interest rates: the lowest the lender is able to offer to anybody. Yes, for such a borrower, one can feel like a V.I.P. when they walk into the lending office.

But, what about the rest of us? Those with fair or poor credit scores do not have such a nice time when attempting to finance a car. If a bad credit person even gets approved at all, they count themselves lucky - and then smile while paying ridiculous interest rates.

Fortunately, there are banks that offer auto loans for poor credit individuals. These auto lenders can be a godsend for bad credit individuals who need a car. Here are 5 tips for getting approved for the best-possible interest rate from these banks:

1. Most banks avoid credit-challenged individuals like the plague:

There is a good reason why most banks do not like to lend to bad credit individuals. And, it may not be for the reason that you think. Sure, banks feel they are at greater risk for a loan default when they lend to people with poor credit scores. But, that is not the real reason why they prefer not to loan to them. The real reason is: looking at factors beyond the credit score is more work for them.

You see, banks know that there are plenty of credit-worthy people out there who have low credit scores. But, taking the time to identify other factors that makes them worthy of an auto loan would just be too time-consuming. They would rather simplify everything down to a single 3-digit credit (FICO) score. And, who can blame them?

2. Some banks actually seek out bad credit individuals to lend to:

The good news is that there are a handful of banks out there who actually look to lend to people with low credit scores. These banks are willing to take a bit more time to really understand each individual borrower to determine whether they are worthy of lending to. In short: they look beyond the credit score.

3. Start with a list of multiple bad credit lenders and make them fight over you:

To get hooked up with one of these banks, start by searching for and making a list of multiple bad credit lenders. You are going to want to "force" them to compete for your business, so make sure that your list includes at least 3-4 lenders.

4. Know your credit score:

Spend a few minutes to find out your credit score with one, if not all three, of the major credit bureaus. Even if you already know you have a bad credit score, you will be more empowered in negotiations if you know exactly where you stand.

5. Before applying, choose a reasonably-priced car:

One final tip: before applying for loans with these lenders, make sure to choose a car that is within your means. It is true that some bad credit lenders will lend almost any amount of money to the right borrower, but the fact is that you will increase your chances of loan approval by choosing a reasonably-priced car.

Follow these 5 tips for finding banks that offer auto loans for bad credit individuals.


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Four Tips For Finding the Cheapest Auto Insurance

By  Genc R Arifi

We can hardly watch a television program without seeing at least one advertisement for auto insurance. Car insurance companies try to confuse us with cute mascots or snappy jingles.Here are a few ways to find the lowest auto insurance rates and save money on your monthly premiums

Research is crucial. You must spend the time online or on the telephone getting auto insurance quotes.You cannot make an informed decision without all the facts.
If you are searching online, use search engines to find auto insurance quotes. Vary your search terms and enter keywords such as car insurance, vehicle insurance,and auto insurance. Take your time and gather facts. Create a spreadsheet or some system for tracking the rates provided by each company. You will want to compare all the quotes an organized manner.

If gathering information online, websites may require you to enter your contact information. You may not want a barrage of sales calls. You can leave the phone number field blank, or enter one that has caller ID so you can ignore the call if you don't want to get trapped in a long sales call. Be sure to provide an email address so you can receive the quote.

Ask questions when applying for the quote. Ask about homeowner discounts, safe driver discounts, good student discounts, or low mileage discounts. If you don't ask, you may not get a discount. Be proactive and ask the right questions. The insurance representative will also ask you questions. Always answer them honestly and to the best of your knowledge.

Think about frills you can live without.Insurance companies love to sell customers unnecessary upgrades that will increase their premiums. For example, if you have several drivers in your home, you may not want to opt for rental insurance. You can use another vehicle if one is damaged and in the shop. Never opt out of roadside assistance. You never know when or where you will need help. Roadside assistance is your safety net.

Make sure you have adequate collision and medical coverage. One automobile accident can result in thousands of dollars of expenses. Car accidents aren't a common occurrence, but the repairs and medical expenses can really add up quickly. Be prepared for the worst case scenario.

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Can You Afford Not to Have Auto Insurance Coverage? Is Automotive Insurance a Necessity by Law?

By Bob Randooke

2 or 3 years ago our economy was growing very fast and it was led by the housing industry. Houses everywhere were going up like crazy especially here where I live in Southern California, but as we now know nothing good in life can last forever and as far as our economy is concerned that is a massive understatement.


We now live in an age of global recession and this has affected every area of our lives, especially in our driving habits. These days more and more drivers are hitting the road without any auto insurance coverage and this is like a financial ticking bomb that could explode at any second especially if you get caught being responsible for an accident and even partially responsible for causing one.

The problem with driving with no auto insurance coverage is that not only can it destroy you fiscally but it can also land you in jail even if you don't get into an accident at all because driving without car insurance in almost any state is against the law in America.

Now even if you want to take that chance you should always see what your options are. What you need is automotive insurance from companies that can afford to give you a better deal but where in the world would you be able to find an auto insurance company like this? A very popular way that people are now finding out about to get cheap car insurance is to go online. An online auto insurance company most likely uses the umbrella approach to get you the best deal.

In other words they will offer you competitive auto insurance quotes from the top 5 or 6 insurance companies in America and allow you the luxury of looking them over one by one and choosing the best one for you before you even meet with an auto insurance coverage broker.

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How to Save Up to 40% Off of Your Current Auto Insurance Policy Through Online Auto Insurance Quotes

By Bob Randooke

Don't you just hate going through your local yellow pages looking for a reliable auto insurance agent but there are so many choices that it makes things so confusing as to which agent or which company would give me the best auto insurance policy at the best prices. You have to meet with them first, allow them to explain their policy in detail and go over all of the fine print and then be pressured into making a decision on the spot.

If you just invite one or 2 agents over to your house how will you know if their deals are really the best prices for you since you have no one to compare them to and if you wanna call even more auto insurance agents then your looking at making separate appointments with each one and then waiting days to actually meet them. When you are through with the whole process not only could it take weeks but you will also have to put yourself through a series of pressured sales pitches that are designed to try to get you to sign with their particular agent as soon as possible

Now how can you save yourself all this trouble and find a good auto insurance policy from an agent who does not need to have a heavy sales pitch to get you to sign? Well the answer is very simple and has been in front of your eyes for years. Online auto insurance quotes.

There are many benefits to getting your auto insurance quotes online as opposed to doing it the land based way. For one, when your looking for a quote online you do not need to meet with any auto insurance agent initially to view your quotes prices. You just visit one of the many leading brand online sites , fill out a quick one page form and in less then half an hour you will have a series of up to 5 auto insurance quotes in your email .

The benefit here is that the prices of the policies are stacked up right next to each other for you to compare so you can pick the best policy at the lowest price. No sales pitch is done at all because these online websites get so many leads to work with that they do not need to get desperate to get you to go with them.

In other words they let their policy and prices do the talking. The main reason why online auto insurance quote prices are much lower than their land based counterparts is that when the insurance companies go online they save a ton of cash on expenses and they will definately pass down the savings from their expenses to you.

You can then select the best policy for you and then make a quick and painless appointment with the insurance agent and voila, just like that you are signed up to have auto insurance. These days with the cost of living being what it is you cannot afford the luxury of going without auto insurance so take your, make a visit to one of these reliable auto insurance quote sites and get your quotes delivered to your email with half an hour.
Its that simple by going online.

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Tips For Choosing Your Auto Insurance Company

By Anthony S.

In case of car accident, it is nice to have a safety net. Of course it is standard that once you buy a car, you must also purchase auto insurance. But what if the company where you buy your auto insurance policy is taking too long to process your claim? And what if the company does not recognize your claim at all? You see, having an auto insurance policy is not enough, not to mention, useless if you disregard the possibility that the insurance company you have chosen is unreliable.

With this, it is only proper to discuss the factors that need to consider when choosing an auto insurance company.

The first thing you should do before signing up for a purchase is to know if the insurance company is reliable or not. Auto insurance company can be considered reliable if it is paying the correct claim with the correct amount at the fastest time possible. To know this, you can check on the website of your state's department of insurance. Posted in this website are the complaints of costumers with respect to the number of claims filed in a year.

One particular site that would certainly help you in selecting the best auto insurance is the J.D. Power and Associates website. This organization collects data from policyholders across the country. The J.D. Power and Associates also asks from these policyholders the grade-rating of their insurance company in terms of claims, handing, price, satisfaction with the representatives, coverage options, and the overall experience with the company.

The company's grade-rating from costumers are very important factor to consider since you will never know when you will have to file a claim at the same time, get a result as soon as possible. It does not mean though that once a company receives complain, you are already gambling your money if you decide to purchase an insurance policy from them.

The thing is, all companies can get complaints once in a while but consider those with the least number of complaints and the highest rating from their costumers. Also, consider the insurance company that ranks the highest in all aspects.

Then, you need to know the financial strength of the auto insurance company. As a reference, take of the Standard & Poor's ratings and the A.M. Best. These two companies publish the financial strength rating of every insurance company in the United States. What is the importance of this? The financial strength of your possible auto insurance company determines if it has the capacity to settle or to pay for claims. Thus high financial strength rating means a wiser choice.

Consider also the price of the premium they offer and the choices of policy they have. Premiums matter much whether or not you are a frugal costumer.

The next thing you should consider in selecting your auto insurance company is the number of accredited body shops that is recommended by the particular company. Consider the distance of them from your place. This could be a minor consideration but once you are in the situation where you need your car to be repaired, then location is significant. Also, make sure that these body shops have the right equipment and expertise that will effectively answer any future need of your car.

Now that you know these things, you are ready to choose your auto insurance company.

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