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How An Auto Insurance Quote And Your Monthly Premium Are Connected

Thursday, April 15th, 2010

When purchasing an auto insurance policy, the first piece of information that most consumers will receive is an auto insurance quote. This can be done online or over the phone, and typically represents the cheapest auto insurance that the company has to offer. The consumer, intrigued by the low auto insurance premium, makes further inquires with the company, and eventually arrives at an agreement that includes all of the coverage that they need. However, when their first monthly car insurance bill arrives, they note that the rate quoted bears little resemblance to the auto insurance premium they are expected to pay. For many, this comes as a shock, as it seems only reasonable that the original quote and the eventual premium should be the same. Unfortunately, this is not often the case. While the two are connected, there is a wide gap which lies between an initial quote and the eventual payment.

Auto insurance quotes are generated on a low-cost, best-case scenario. They include the lowest coverage levels mandated by the state, and assume a clean driving record, well-maintained car and a host of other factors that often do not all occur together. Quotes will often say things like “as low as” or “starting from.” These give an indication that although the rate could potentially be that low, it will only occur under the most optimal of conditions. Once a basic auto insurance policy has been inquired and agreed upon, most insurance providers will begin speaking to their clients about more specific add-on coverage that they may want, or may encourage clients to increase the minimum liability that they are paying. While all states require some form of personal and property liability coverage, the basic amounts are often far too small to actually cover everyone and everything damaged in an accident. Having extra coverage is very useful, but will also increase the basic monthly premium paid. Similarly, add-on coverage such as uninsured motorist coverage, which is not mandated by all states, can be very useful but will result in a discrepancy between the original quote and the eventual price.

At its heart, an auto insurance quote represents the best monthly premium for a customer under ideal conditions. Their actual monthly rate is a reflection of their initial quote, but with extra coverage, add-ons, and their specific car details and driving history factored in. The two numbers are related, but the chances of paying the rate advertised in a quote are slim to none. While this may seem unfair, it is better to have more coverage in an accident than the basic amounts offered, as a higher premium may cost the consumer initially, but can save a great deal in the long run.

What A Good Online Auto Insurance Quote Should Include

Thursday, April 15th, 2010

Looking for an auto insurance quote online can be a convenient, low hassle way to get car insurance quickly. It lets you compare the costs, benefits and coverage of several different companies in a relatively short period of time. But what do you look for in a good online quote? There are actually several important things that should appear in a good online quote. Personally, you may not need every single one of them (or need them in reduced amounts) but in general they are the things most people will need if they are ever in a car accident. ??Liability coverage is very important. Every good auto insurance quote has one. Liability protects you and your assets when you are the at fault driver.

Liability covers the damaged car and any person physically injured in the crash. Your insurance company pays the other driver and your money is protected. Collision covers damage to your car when you hit another car or object. It pays to fix your car minus your deductible. It also protects you if another car hits you. Comprehensive insurance is also important as it covers what collision doesn’t and it protects against loss if your car is stolen or damaged. If you have a newer car, one in excellent condition or if your car is leased or financed, you may need this type of coverage. Uninsured and under-insured motorist coverage should also make the list. This coverage keeps you from financial loss if your car is damaged by a driver who either has no auto insurance or not enough insurance to pay for your losses.

Comprehensive or collision coverage should include options for car rental and towing/roadside assistance. If you have one or more cars that you use almost every day, losing your car to an accident, either permanently or temporarily, can place strain on everyday life. Car rental coverage would ease this problem. Roadside assistance, while an option, can be a big help when you are stranded. Both of these are well worth the cost if you can afford it.

In the current economy, the auto insurance premium has become more important than ever. When cash is tight, choices between cost and coverage are made. Higher deductibles are an option. People, with older cars may choose to eliminate collision coverage since this coverage is limited to the car’s value. Probably the last thing you should consider doing to reduce your auto insurance premium, is to choose the minimum coverage. Every state has different minimums so check with your state for a complete list. But remember, good auto insurance will protect you and your financial assets. Minimum coverage is often not enough.

Truths About Auto Insurance Rates Being Cheaper For Female Drivers

Thursday, April 15th, 2010

There are a number of popular misconceptions about auto insurance and the way that insurance providers decide quotes for their customers. However, some of the popular knowledge is fairly accurate–for instance, female auto insurance often costs less than auto insurance for males. This isn’t true in all cases, of course, and understanding the way that gender affects insurance statistics (and therefore, insurance rates) can be very helpful when you decide to look for a new, lower-cost auto insurance quote.

As many drivers know, insurance companies rely heavily on statistics to gauge whether drivers will make claims on their policies. This allows them to accurately give low-cost policies to safer motorists. It’s a process that lends itself to a lot of discrimination, which is why younger female drivers will often see lower rates. Women make fewer claims on average than men. Some types of “discrimination” in auto insurance rates are illegal according to state and federal law, but an insurance provider is completely within its rights to discriminate on the basis of gender. Other factors may push a female driver’s auto insurance premium higher than the average male police, however; for instance, making even a single claim or getting a traffic citation will affect any driver’s rates negatively, and the lower rate given to a female driver will disappear instantly due to these types of incidents.

Age is also a major factor in insurance company statistics, and once a female driver reaches a certain age (usually around 65), her rates will be significantly higher than male drivers of the same age. This is because older female drivers, for whatever reason, tend to make more claims. Some insurance companies have speculated that this is due to female drivers’ propensity to allow other drivers (such as their husbands) to handle the driving duties at the later stages of life, which can make a female driver less experienced when she needs to get back behind the wheel. Whatever the case, age and gender have a direct correlation, and the average cost of any driver’s insurance policy will fluctuate throughout his or her life based on insurance company statistics.

Drivers don’t have any control over their age or gender, but by keeping a clean record and regularly reassessing your insurance policy, you can lock in the lowest rates possible for your coverage. Always look at more than one auto insurance quote, and try to lower your potential risks by choosing a safe vehicle. Every driver can find low insurance rates, but it’s important to take an intelligent approach in order to avoid overpaying for your car insurance coverage. You will be lucky you did when you have a premium that’s easy to pay.

How Long Before A Drivers Auto Insurance Quotes Change After An Accident

Thursday, April 15th, 2010

Having an accident is stressful enough. But as any driver knows, the fallout from the accident itself is only the beginning. An auto insurance premium increase is nearly always sure to follow, and navigating the longer term impact of handling auto insurance claims, plus negotiating for a new auto insurance quote, can take even longer. This is why it is important to know what to expect and how to handle changes to auto insurance following an accident.

Drivers in search of an industry standard are in for a rude awakening – even a cursory inspection of different carriers reveals that no such standard is currently in place. Auto insurance premium increase rates, time lapse between auto insurance claim settlements and insurance rate increases vary widely. While auto insurance carriers are required to file what is called a “surcharge schedule” with each state in which they operate, these schedules can read like Sanskrit to the unskilled eye, and the insured is often left to their own devices to decipher the financial impact of rate surcharges after an auto insurance claim is filed. This can vary by number of insured on a single policy, number of vehicles, length of time as a policy holder, and more. Even for the fortunate few whose carriers offer a first-timer accident-forgiveness clause, which means that for the first accident no rate increase will be imposed, only certain applicants who fit certain criteria are eligible for such benefits. Devoting the extra time to researching whether a carrier offers accident forgiveness and under what circumstances can pay off in the event of an accident. Similarly, accepting a slightly higher monthly rate in exchange for such protective measures can be a bargain over time.

For many individuals involved in an accident, the rate increase will not appear until renewal time. But when it does appear, the increase can carry a whopping punch – most carriers hike rates between 20 and 40 percent of the insured’s current premium. Once again, it is important for a new policy applicant to ascertain the potential impact to insurance premiums in the event of an accident to avoid being swayed by low up-front auto insurance rates. Similarly, it is important to know how long the rate increase will last, and which types of accidents will incur a rate hike. Some states and carriers penalize for all violations, while others distinguish between moving, parking, and fault or no-fault incidents. Be wary of insurance agents who are unwilling to answer these basic questions about rate increases in the event of an accident. A little extra time and persistence in seeking out a quality auto insurance quote now will be worth it in the long run.

Considering Whether Car Insurance Rates Will Continue To Rise in 2010

Thursday, April 15th, 2010

Auto insurance rates have increased in 2010 and they are expected to keep rising. The economy has a huge impact on insurance providers, and many people will have to face higher auto insurance premiums in the near future. According to USA Today, the average auto insurance policy will increase by 4 percent. Experts recommend that consumers shop around for affordable auto insurance rates. You can request an auto insurance quote online if you want to save money. Requesting an auto insurance quote is easy and it will only take you a few minutes.

In some states, auto insurance rates have increased by 12 percent, including Montana. In Florida, State Farm has increased their rates by 9.2 percent. Twenty-three states have seen a rise in auto insurance premiums this year. Other parts of the country have seen a drop in premiums. Drivers in Idaho and Vermont have the lowest auto insurance rates in the nation. The truth is that insurance fraud and the amount of claims that are being filed is causing many insurance carriers to raise auto insurance rates for profit. Besides the increase in auto insurance premiums, certain vehicle models will cost more to insure due to risk ratings such as the Kia Sportage and Hyundai Sonata. Insurance rates have been going up since 2008, and they will probably keep rising. Consequently, many motorists are driving without insurance and about 16 percent of drivers are likely to let their policies expire without renewing them.

It is important that you compare auto insurance rates with a variety of insurance companies. If you find an expensive policy, you will reduce your auto insurance premium. You can obtain an auto insurance quote online with more than one insurance comparison website. You will have to enter your zip code, select the type of coverage you need, and complete a simple application. You will receive instant quotes in minutes. You can reduce your auto insurance premium even further by raising your deductibles and taking advantage of discounts. For instance, insurance companies may offer you discounts if you complete a safety, defensive driving course, if you have air bags, anti-theft devices, anti-lock brakes, a car alarm and other safety features. If you are a student and your grades are excellent, you may qualify for a discount. In addition, if you do not put a lot of mileage on your vehicle each year, if you keep it in a garage, if you insure more than one vehicle or purchase more than one kind of policy with one insurance company, you may qualify for discounts on your premiums. If you follow these tips, you may find a low cost auto insurance policy.

Age Groups That Pay The Least For Auto Insurance

Thursday, April 15th, 2010

Motorists are legally required to possess auto insurance to operate a vehicle. If a regrettable car accident transpired, an auto insurance company would help pay for any injuries or damages that resulted from the misfortune. Additionally, auto insurance may help cover the expenses of repairing or replacing your vehicle if it is either damaged or stolen. Car insurance rates are determined by many factors. Some determinants for car insurance rates are a driver’s credit history, occupation, gender, area of living, and the make and model of a motorist’s vehicle. However, another vital determiner is a driver’s age. Drivers between the ages of 50 and 65 generally receive the preeminent auto insurance premiums available on the market.

Auto insurance companies usually divide drivers into three categories to ascertain the amount that they will charge in premiums. Provided that they own a good driving history, auto insurance premiums are the least costly for drivers in the age group of 26-73. Drivers in the 26-73 age group receive reduced auto insurance premiums because they are experienced motorists that have proven over time that they can operate a vehicle in a safe manner. On the contrary, individuals in the 16-25 age group pay the highest premiums because they are inexperienced drivers that are deemed high risks on the road. Statistics indicate that drivers in the 16-25 age group are accident prone and they have historically filed the most insurance claims. Sandwiched between the 26-73 and 16-25 age groups are drivers age 74 and above. These drivers will face premiums that are a tad lower than the most risky 16-25 age group. Drivers 74 and above are considered minimal risks to auto insurance companies because some of their reflexes behind the wheel may have diminished with age.

Personal auto insurance is mandated to lawfully operate a motor vehicle. Auto insurance premiums can be quite expensive in some instances. To locate the most affordable personal auto insurance, drivers are strongly advised to seek the best insurance quote that they possibly can. Conducting research and shopping online are simple ways to find the most economic auto insurance premiums obtainable. With due diligence, online consumers can discover the foremost auto insurance premiums offered.

Many factors are considered when an agent establishes an auto insurance quote. Unfortunately for some motorists, age is of primary importance to auto insurance companies. Young and inexperienced drivers are viewed as liabilities on the road. Conversely, elderly persons are also reckoned to be perilous drivers on the road. Data has shown that drivers between the ages of 26-73 are the safest individuals to operate a motor vehicle. In particular, dependable drivers between 50 and 65 are offered the lowest auto insurance quotes.

Turn Your Clunker into Cash — Escort or Ram Van?

Wednesday, July 29th, 2009

How do you turn your hot 2002 Ford Escort into cold, hard cash? No problem, Uncle Sam can help. In an effort to stimulate the challenged U.S. auto industry, in June, Congress passed what is now being hawked as the “Cash for Clunkers” Act. Officially, it’s a government program called CARS (Car Allowance Rebate System). Unfortunately, you won’t actually ever see the cash. Instead, you’ll save up to $4,500 on top of any other savings at your auto dealer when you trade in your beaten up jalopy. Your dealer then gets the rebate from the government. It’s not a bad deal. You could end up double or even triple dipping on the savings. If you purchase a fuel-efficient hybrid, you can still qualify for a federal tax credit. Add on top of that any dealer incentives, plus the $3,500 or $4,500 from the government and all of a sudden that new ride is looking pretty good.

Plus, you’ll finally be able to retire that late 80’s hunter green, high-top Dodge Ram Van with the wicked panel art, running boards, and after-market Blaupunkt cassette player. Hmm, on second thought, trade in the wife’s mini-van instead. You never know when you’ll need to find a quiet escape in the warm embrace of your coffee-stained captain’s chair with Boston’s “More Than a Feeling” setting up on entertainment system.

OK, let’s get to the basics. Here are the rules to know:

1. Your trade-in vehicle has to be less than 25 years old.

2. You need to be purchasing or leasing a new vehicle to qualify.

3. In a nod to the Green movement, the program is designed to take old, gas guzzlers off the road. So your trade-in vehicle must get 18 or less MPG (some very large pick-up trucks and cargo vans have different requirements). Be safe, and double check that your vehicle qualifies before you race over to your auto dealer.

4. Trade-in vehicles must be registered and have auto insurance continuously for the full year preceding the trade-in date

5. Act fast because the program runs through the earlier of November 1, 2009 or when the $1.0 billion program funding runs out. As of today, there was $858 million left in the kitty, or just about enough for another 200,000 sales.

6. Because the program is intended to permanently remove these wasteful, rust-buckets, the dealer is also required to estimate the scrap value of your trade-in and will throw that amount, however small, on top of the rebate as well.

More detailed Program FAQ’s can be found here or call the CARS Hotline at (866)-CAR-7891.

Last, but not least, it is critically important that you get the right auto insurance for your new vehicle. Remember, cruising around in a brand new gem is going to be a lot different than your last ride. And with your hard-earned $$ at stake, you need to make sure you’re covered. In keeping with the money-saving spirit of the “Cars for Clunkers” program, go no further than AutoInsuranceQuote.com to get the lowest quotes on your auto insurance.

What Kind of Auto Insurance Options Do I Have with a Spotty Driving Record?

Tuesday, June 30th, 2009

Fearful of calling for an auto insurance quote because of a few mistakes on your driving record?

If you have an imperfect driving history, know that getting an insurance quote does not have to be as much of a hassle as traffic court. We provide auto insurance quotes online and guarantee you will get your quote quickly by our professional staff.

We know you have better things to do than spend an hour on the telephone getting a car insurance quote. So we will keep the questions online and to a minimum, and you will have your auto insurance quote in minutes. Getting a car insurance quote is something that you have to do in order ensure your safety and the safety of your family. By giving you an auto car insurance quote online, we eliminate the long, drawn-out telephone conversations other companies put you through.

And if your driving record is less than stellar, that telephone conversation regarding an auto insurance quote can be especially painful. We know this.

That is why we are changing all that. We are taking the pain, stress, and wasted time out of getting a car insurance quote. Getting an auto insurance quote online from us is one of the best decisions you will ever make. Getting an auto insurance quote online from us will save you time and money – two key commodities in this day and age.

If you are getting a car insurance quote from us, you can be certain it will be fast, fair, and focused on saving you money. We make our auto insurance quotes with our customers in mind. We want you to be happy and to stay with us for your insurance needs. That is why we pride ourselves on our procedure of giving auto insurance quotes online.

Once you get a car insurance quote online from us, you can rest assured that you will be getting the best value for your money. Our auto insurance quote will save you money. Plus, our car insurance quote online will be quick and have you back doing what you would rather be doing in no time.

You will be amazed at how quick and hassle-free getting a car insurance quote from us can be, even if you have a spotty driving record. Our online car insurance quotes will beat any competing coverage for the money, and our coverage will be there for you regardless of your driving record. Getting a car insurance quote from us can help save you hundreds of dollars and precious time.

Get your auto insurance quote from us today. You’ll be glad you did.

The ABCs of Auto Insurance

Tuesday, April 28th, 2009

One of the first questions people ask when comparing auto insurance is what determines the cost? With auto insurance, many variables factor into the ultimate cost. The following are some of those main things that determine how much you pay for a policy. I’ve broken them down into two categories–the things you can’t control and the things you can control:

Why Worry About Things You Can’t Control? You Can’t Control Them!

1. Where You Live. The place you live will impact your insurance rates. Besides the rate differences from state to state, living in a city, where you can naturally expect higher claims from traffic accidents, thefts and vandalism, will be pricier than in the burbs and more rural areas. Some would argue that this is something you can control. I would answer with a question, “How many people do you know who sold their houses and up-rooted their families just to save on auto insurance?”

2. Sex. No, I’m not referring to the quality, frequency, style or preference–most of which you can control–unless, of course, you’re like me and you’ve signed over your “performance rights” to your significant other. It’s gender that impacts auto insurance rates. Yes, gents, the fact is that we have more accidents than the ladies. So for the sins of a few, all men end up paying more. A little unfair? Perhaps, and some states are eliminating gender-based underwriting. Oh, and let’s not argue over whether this is one you can control. I can double check with Dr. Phil on this one, but I’m pretty sure lower auto insurance rates is not a major reason behind transgender surgery.

3. Age. Bottom line, if you are 16-25 you will pay more for insurance. It should come as no surprise that the inexperience and recklessness of our ADHD-saddled youth leads to more dust-ups and fender benders. Ah, youth is wasted on the young. It also makes sense that when we turn 26, get married and have kids, the world slows down just enough to make the auto insurers sleep a little easier.

Why Worry About the Things You Can Control? If You’re Worried, Change ‘Em!

4. Get Yourself a Spouse. It’s a known fact that married couples are safer drivers. If you disagree, just call up one of your bachelor or bachelorette friends and tell them you feel like taking a ride on the open road. What you’ll likely get is a thrill ride, music blasting, heading straight towards a destination of other joy-riding singles seeking the same. Then follow it up immediately with the suggestion to a married couple that you’d like to take a day trip out of town and that their car would be perfect. You’ll need about two minutes in the minivan to understand what the statistics tell the auto insurance companies–married couples are more careful. And the on-road conservatism isn’t only dictated by a dissipating level of testosterone, but rather the lovingly, sung chorus, “Honey, please slow down”. And yes, tying the knot or staying single is definitely in your control, until, of course, your guilt-producing parents start the “when are you going to give me a grandchild?” chatter. And if arranged marriages are in your future, feel free to move this up to the previous category, and consider this a new-found benefit.

5. Credit History. OK, here’s another reason to irrationally monitor your credit rating 24/7. The auto insurers have established a direct relationship between credit history and expected claims. If you’ve missed a few credit card payments, or you’re levered up like a Wall Street buy-out king, and your credit score is below 650, you’ll likely pay more for your insurance. Unfortunately, this gives the “free credit report” marketers more reason to pollute the airwaves with lame, pseudo-user generated indie bands making up songs about credit scores.

6. Driving Record. Simply put, if you are a good driver, you’ll pay less for your insurance. For the most part, you have control over your driving destiny. Here are some helpful tips to consider when behind the wheel: don’t speed, don’t eat (especially spring-loaded Chalupas from Taco Bell), don’t text, don’t use a cell phone (except hands-free), don’t read the paper, don’t day-dream, don’t fall asleep, don’t do needlepoint, don’t watch TV, don’t blog, don’t run red lights, don’t run yellow lights that you know will turn red, don’t hit anything, don’t park under falling tree limbs, etc… To the extent you’ve had an accident or traffic violation in the prior 3-5 years, you will pay more for your insurance.

7. Your Ride. Choose wisely. The model and make of your car will have a direct impact on your insurance costs. If your vehicle is one that is popular with the car-jacking set or is just prone to higher historical claims, then you’ll pay more.

These are some of the important factors that go into the formula that determines your final auto insurance quote. There are other factors too. In the end though, the best way to get the best quote for your insurance is to start at AutoInsuranceQuote.com and let the insurance companies compete for your policy. Ultimately, this is the best way for you to save big bucks.

Get a Free Auto Insurance Quote to Start Saving Money

Monday, April 21st, 2008

In this economy, many people are looking for ways to reduce their costs on a monthly basis. Besides driving less, eating in more and clipping coupons when grocery shopping, there are other ways to save money. We all have fixed monthly expenses such as our cable bill, phone bill and so forth. Many people get auto insurance and then let the policy ride from year to year without seeing if they are over-paying or have too much or too little coverage. A good way to start saving money is to grab a copy of your current auto insurance policy (or print it out). Then, visit AutoInsuranceQuote.com and enter your zip code to find trusted auto insurance companies who service your area. Fill out a short form using your current policy as a guideline and then you will be presented with an auto insurance quote that fits your policy needs. Comparing multiple auto insurance quotes will help you possibly save hundreds of dollars per year. Get started with a free auto insurance quote today.

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