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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How to Choose the Best and Dependable Auto Shipper

By Jacob Bass

There are times when you shift from on place to another due to some work or prior commitments. It is here that you need to ship your car, which often becomes a headache. In order to have a smooth transportation, you can go for dependable auto shippers who will do the job of transporting the car for you.
Again finding a suitable auto shipping company is also a daunting task. Here are some of the ways that can help you choose the best shipping deal:

• The best way to look for shipping companies is to search for them online. When you search online, you get to see a number of companies that provide auto shipping services. Once you have all the names with you arrange the companies according to the type of shipping they offer. Decide on the company that offer you the way of transportation you want. Once you have decided, you can ask for quotation and other important information.

• When you are looking for dependable auto shippers, always avoid non-refundable deposits that many auto-shipping companies ask for. This indicates that the company may be using brokerage firms that makes money by making the customer pay with the hope that they will lose or cancel the deposit. In such a case, you should wait until you confirm with the company in writing about the non-refundable deposit for the services.

• When you are deciding or choosing a car shipping company, do not make the choice on the basis of cost alone. Though it may be one of the most important criteria, but it should never be the only point to look for. Going for cheap companies may cost you on other important factors.

• Another important point to look for is that whether the company is a member of the Better Business Bureau (BBB). BBB's members are of high standards and make sure that customer complaints are immediately addressed.

A transport company considers number of factors to determine the cost or the shipping charges you need to pay to them. They want to know the places from where it's being shipped to and from and where it needs to be picked up and delivered. You may also have to inform them about your vehicle and any other additional services that you require.

Most of the transport companies require you to pay a down payment to secure your booking. Before you book your deal, checkout the insurance benefits that the company is offering. Your vehicle should be insured against theft or damage that may occur on the way. You should also know whether the insurance coverage offered by the company is primary or secondary coverage.

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