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Archive for July, 2011

Finding The Right Auto Insurance Quotes For Multi Vehicle Families

Wednesday, July 6th, 2011

Buying car insurance for multi vehicle families is less expensive than most people think. In fact, the Multi-Vehicle Discount is one of largest auto insurance discounts offered to those who have more than one vehicle insured with the same company. Without a doubt, this type of insurance is an excellent choice for families trying to save money. When searching for an auto insurance quote, you will be able to see what companies offer a Multi-Vehicle Discount.

If you decide to purchase auto insurance for multi vehicle families, you should use the free quote comparison tools available online. Increasingly more insurance providers are offering bonuses and discounts to those who buy insurance through their websites. The best is that you can ask for a free auto insurance quote anytime you want. All you need is a personal computer or a mobile phone connected to the Internet.

When you have a single insurance policy for more than one vehicle, you will pay much less. If you purchase this type of insurance for multi vehicle families, you can save anywhere from 10 to 35 percent off your entire monthly payment. In fact, you can save even more by searching for a low cost auto insurance quote online. There are many discounts offered to those who go shopping for vehicle insurance online. Some insurance providers have special offers for drivers over age 55, while others give discounts to those who drive safe cars. Make sure you install anti-theft alarms, airbags, safety belts, wheel locks and other security features to your vehicle.

As soon as you start searching for an auto insurance quote for multi vehicle families, check out the discounts that are being offered. In general, insurance companies offer discounts to active and retired members of the military. You may also qualify for a discount if you drive less than 10,000 miles per year or park the vehicle in a garage. Another great way to save money and get lower premiums on vehicle insurance is to take defensive driving courses. Teenagers and young adults who are still in school can receive a discount if they have good grades. You should consider buying car and home insurance from the same company in order to obtain a lower auto insurance quote for multi vehicle families.

Make sure you compare as many free quotes as possible. Shopping around is the best way to find an affordable auto insurance quote for multi vehicle families. Many companies will offer this discount if you specifically ask for it. Most car owners can benefit from the large number of offers available online, so you should use the free resources provided on the Internet to your advantage.

Dangers For Young Drivers That Older Drivers May Not Face

Tuesday, July 5th, 2011

If you have young drivers in the house and you’re wondering why your auto insurance rate is going to be so much higher when insuring them, you’re not alone. Many parents are shocked at the higher insurance rates required for teen drivers, but auto insurance companies have good reasons for jacking up the prices of premiums. Listed below are just a few of the factors auto insurance company underwriters consider when determining rates for younger drivers.

Drivers aged 16-19 have the highest accident rates of any age group. Both men and women aged 16-19 are included in this statistic. This means teens are the most dangerous drivers on the road.

Younger drivers lack experience. Your young driver doesn’t know how to navigate a slick road in a rainstorm or how to get out of a fishtail emergency on an icy bridge. Your teen also doesn’t know how to anticipate another driver stopping quickly on the highway or switching lanes unexpectedly. Some of these skills come from experience, and your teen lacks this experience.

Younger drivers lack maturity. You’ve heard the scientific assertion that the part of your brain that monitors impulse control doesn’t finish developing until age 25, right? That’s why younger drivers tend to underestimate the seriousness of risks, making them more likely to make poor decisions while driving. A mature driver will recognize the fact that he is tired and needs to get off the road, or that it’s not wise to eat a Big Mac, change a CD and try to quick scan a text while driving 60 miles per hour down the highway, but a younger driver may view himself as invincible and take the risk.

Younger drivers ferry immature passengers. When teens drive, their friends or siblings, who are also young people, often accompany them. Think of the scene you often see in the classroom, on the basketball court or in your living room, and then imagine those same kids joking around in the car while your teen is driving. Statistics report that teens are 3.6% more likely to have an accident while driving with another young person than when driving alone.

Younger drivers tend to drive without seat belts. It’s more than a safety slogan; seat belts really do save lives, and teens are more likely than older drivers to drive without wearing them. Young drivers also tend to know less about car maintenance and drive older cars, so they are more likely to drive an unsafe vehicle.

Now you know why your auto insurance rates are higher for your younger drivers. They are all valid reasons, so expect higher rates.

How What A Car Is Used For Affects Auto Insurance Rates

Monday, July 4th, 2011

Auto insurance quotes will vary across geographic location as well as by vehicle, and auto insurance rates will rise or fall depending on whom in a family is driving a vehicle, for how long, and with what kind of driving experience. Altogether, there are a large number of factors that go into determining just what the auto insurance rates for a particular individual will be, but one of the most important is what exactly the vehicle being insured is going to be used for. This can seriously affect the type of auto insurance quotes that can be found, and the level of auto insurance rates that a driver should expect.

When a policy is purchased, the insurance provider will ask not only how far the vehicle will typically travel, but what its purpose is. For many, their vehicle is simply used to get them to work or school and back, and will travel 20 to 40 miles in day, including stopping for gas and groceries or other incidentals. This is the typical situation that drivers find themselves in, and this results in a middle of the road, or “average,” quote. It is for those who choose to use their vehicle for a business purpose that auto insurance rates will change. If a car or truck is being use to deliver goods or as the mobile portion of a business – for example a service truck or repair vehicle, insurance rates will rise. This happens because the vehicle will be on the road for far longer than the average car, and this in turn raises the chances that an accident or other problem with the vehicle will occur. This increased risk of damage means an increased risk for a company to pay out, and therefore higher premiums are the result.

Some business owners will choose to list the purpose of their vehicle as simply for personal use, and in many cases, this does not result in a problem. An issue can arise, however, if a business vehicle is involved in an accident and a claim must be made. If an adjustor sees a van with tools or other materials in it, branded with a company logo, they will begin to ask questions about just what the vehicle is used for, and if it can be shown that the use of the vehicle fell outside the stated purpose on the insurance application, a claim may be denied.

While it may mean higher auto insurance rates, it is important for drivers to always be upfront with insurance companies about the true purpose of their vehicles – it will save time and effort in the end.

Simple Ways To Lower Your Auto Insurance Costs As A Family

Sunday, July 3rd, 2011

Auto insurance rates can seem expensive to many drivers, especially if there is more than one driver living in the same household. However, this can actually work to your advantage. There are many ways to lower your family insurance costs without sacrificing coverage. Following are a few tips that you can follow that should help you save money on your auto insurance rates.

Many families own more than one vehicle and if you insure all of your vehicles on the same car insurance policy, you will lower your premiums. Most insurance companies offer a multi-vehicle discount if a policy has more than one vehicle on it. They also offer a multi-product discount. This means that if you insure other lines of insurance with the same insurance company, such as home, auto, and life insurance, you will save money on all of your policies.

Other discounts are available to families depending on the type of vehicles they own. If your vehicle has certain safety features, you may qualify for these discounts. For example, anti-lock brakes and an anti-theft system will both net you lower premiums. These safety features will help reduce accidents and thefts. The type of vehicle itself can directly affect your insurance rates, so if you are concerned about lowering your premiums, you may want to shop for certain vehicles. Some makes and models are more prone to thefts or vandalism and some cost more to repair. Because of these factors, insurance premiums are higher for these vehicles.

Certain insurance coverages such as collision and comprehensive require the policy owner to pay a set deductible if they file a claim. After this deductible is paid, the insurance company will then pay their portion of repairs.

If you increase the amount of your deductible, your collision and comprehensive premiums will drop. However, you must ensure that you are able to afford the higher deductible amount should you be required to file a claim.??If you have teenagers or new drivers in the household, then you will find that your insurance rates will increase because of their lack of driving experience. If these new drivers enroll in a driving course, then they will receive a discount on their insurance premiums. In effect, they are rated as a driver with three years of driving experience rather than zero.

When you compare auto insurance rates, always remember to ask your insurance agent about the different ways that you can lower your family insurance costs. Just because you have several drivers living in the same home doesn’t mean that you have to pay outrageous premiums every month. In fact, it can be beneficial to you instead.

The Role Of Primary Drivers In Setting Auto Insurance Rates For Vehicles

Saturday, July 2nd, 2011

There are a number of factors that go into determining the auto insurance rate for a family. These range from the type of vehicles that the family drives to what they use them for and the collective experience of all drivers in the home. As well, auto insurance rates for specific vehicles are determined by who is listed as the primary driver on a vehicle. Depending on their age and experience, as well as their stated purpose for driving the vehicle, there can be a number of significant changes to an insurance rate as a result. It is important to understand the role of these primary drivers before purchasing auto insurance.

A primary driver is the one who is going to drive a given vehicle in a home most of the time. When a policy is first created, the provider will ask who in the home will be the primary driver of a vehicle. If a home has two cars, there must be two primary drivers – one driver cannot be driving both at the same time. Other drivers in the home can be listed as secondary or tertiary drivers on the policy in order to let the insurance company know who is covered in the event of an accident. While being a non-primary driver does not mean that a vehicle can only be driven for a certain period of time or that the insurance company will not pay out in the event of an accident – it means that on the whole the primary driver should be the one to drive the vehicle the most.

Say that a primary driver states they are taking the vehicle, typically, to work and back each day for a total trip of 20 miles. While they can certainly do other things while out on the road, this gives the insurance company a baseline of what to expect the vehicle can be doing. If a secondary driver gets in an accident along or close to the route the primary driver takes to work, it will likely be processed as a simple claim. If a secondary driver crashes the vehicle while off-roading nowhere near the primary driver’s route, questions may arise. Though using the vehicle for a purpose other than stated will not result in an automatic claim denial, families should attempt to ensure that vehicles are generally used as described to the insurance company.

Often, a mother or father will be placed as a primary driver instead of a young man or woman in order to maintain a low auto insurance rate. While this can be a savvy way to save money, be aware of the view an insurance company takes of the primary driver.

Why Older Drivers Will Sometimes Pay More For Their Auto Insurance

Friday, July 1st, 2011

An auto insurance quote for older drivers may be higher than for a younger individual. Auto insurance quotes are based on several different factors about the driver, including age. There are many reasons why older drivers are charged higher insurance rates, including their health and potential for being involved in a serious auto accident.

There is no particular age after which an individual is considered too old to drive. Many states require yearly hearing and vision tests, but none insist that a senior’s license to be turned over at a specific age. This does not, however, mean that all older drivers should be driving. While there are many good senior drivers there are just as many bad senior drivers, and it is on the bad ones that insurance companies focus. Therefore, a senior driver in good health with a perfect driving record may be given a higher auto insurance quote because there are other senior drivers that have made the insurance company wary about providing coverage to senior drivers.

As individuals age, vision and hearing capabilities decline. Comprehension and reaction times, too, may be affected. Each of these senses is required to be a safe driver, and having even one problem with either sense can make an individual an unsafe. Insurance companies are aware of this risk, and protect themselves against the likelihood of needing to pay for damages or medical expenses resulting from an accident by charging senior drivers higher rates.

Similarly, older drivers tend to be involved in more serious accidents. Statistically, drivers 75 years of age are nine times more likely than other drivers to cause a fatal accident. In 2008, drivers 65 years and older were responsible for 15% of fatal accidents. Thirty-nine percent of the time, it was the driver who died during the accident. The seriousness of these accidents often means that medical bills and other expenses associated with it are higher. Here again, insurance companies protect themselves by charging higher insurance rates.

Seniors often require more extensive medical treatment after an accident. An older driver may be less healthy than other drivers and also may have serious previous medical conditions. Older drivers require more post-accident medical treatment, and it is the insurance company that will pay for that care. When combined with the likelihood that the senior driver will be involved in an accident, this fact often leads to insurance providers having higher auto insurance quotes.

Seniors are often charged more for auto insurance than other drivers because of the risk they pose to other drivers. The potential – and probability – for injuring themselves while driving and the cost of their medical treatment also makes auto insurance more expensive for older drivers.

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