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Archive for March, 2011

Finding The Best Auto Insurance Quotes By State And By City

Tuesday, March 8th, 2011

Location is crucial when formulating an auto insurance quote, as insurance premiums vary greatly from one city and state to the next. There are several reasons for this, including state auto insurance laws and the various factors that affect insurance statistics from one area to the next. Insurance laws can drive up the cost of premiums by imposing more regulation on the insurance industry, for instance, and a high rate of auto theft in a particular zip code might mean a higher cost for comprehensive car insurance coverage in that area.

Because location is so important when buying a car insurance policy, it’s a good idea to know the unique factors that affect insurance costs in your area. Find out whether your city reports more car insurance claims of a certain type than other cities. If this is the case, you may be able to take steps to protect your vehicle which will result in a hefty discount for your car insurance quotes. For instance, if there are a higher than average number of act of God claims in your city, parking your car in a locked garage may be a good idea, and if your city has high auto theft rates, you should consider a car alarm. Likewise, you should learn about state auto insurance law. This will help you to know how much insurance you need to buy and how that coverage will help you if you’re ever involved in an accident. In particular, find out the minimum amounts of car insurance that you need to drive and whether you live in a tort or a no fault state. You can find this information on your state insurance commission’s website or by calling their office.

To find the best possible auto insurance quote given your vehicle and driving habits, you’ll need to look online after collecting information about your area. Try to use a car insurance quote aggregation website that specifically asks for your address or zip code. Such a website will be more likely to report accurate rates that are based on the aforementioned factors rather than more generic quotes based on your age and driving history. Using an aggregate website will help you to quickly see what major car insurance companies are offering.

The important thing to remember is to research your state as fully as possible and to only compare dependable quotes when trying to select a policy. By looking into discount programs and comparing a few quotes before buying your car insurance policy, you’ll be able to find the best possible auto insurance quote given your city and state.

Why Auto Insurance Continues To Cost More For Family Cars

Monday, March 7th, 2011

Car insurance for a family vehicle can often be expensive, but many drivers are unaware of the reasons for the price differences. To put it simply, auto insurance quotes are determined by risks, and family car insurance carries a higher risk than insurance for vehicles that don’t carry passengers. If you have a family vehicle and you’ve noticed higher auto insurance coverage quotes, recognizing the reasons for the high premiums can help you to avoid them.

Family car insurance policies are mainly expensive because of the cost of personal injury protection. Insurance companies sometimes offer specially designed policies for families, and these are usually heavy on the PIP–that’s because personal injury protection pays for injuries to any passengers in a vehicle, and family vehicles are assumed to have a higher than average chance of carrying passengers. There’s a higher risk, and that means higher auto insurance quotes for policy buyers who have family vehicles if they choose the ready-made coverage offered by their insurance providers. Even if they don’t, buying personal injury protection can be more expensive if you have a family vehicle, because there’s a higher chance of a claim.

This is often mitigated by the fact that family cars are much safer than other vehicles. Families with children don’t really buy fast and expensive sports cars. They’re more likely to look into vans, SUVs, and trucks, which are vehicles that tend to have better than average insurance risks in numerous areas of coverage. Occupants of an SUV, for instance, are unlikely to file an expensive personal injury protection claim, because SUVs often have very good safety ratings. This is by no means true of all SUVs, but people generally exercise more care and look into safety ratings more often when they’re choosing a family vehicle. They may also opt for larger vehicles, which by nature tend to be safer.

If you’re looking for family car insurance, you can decrease the cost of your coverage in a few ways. Contact your insurance company and see if they offer any special discounts for families. Some insurers do this because their actuarial tables show that parents and homeowners tend to be safer drivers. Think about adjusting your personal injury protection coverage and deductibles to get your premiums down. You can also compare car insurance quotes online before you buy a policy and carefully look into your options when choosing a new vehicle. Family car insurance can cost more in certain instances, but these costs can easily be managed, and you can fit a very protective policy in to your family’s budget.

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