Affordable Car Insurance

Best Vehicle Ins On New Cars| Cheaper Automobile Insurance Quotes Online

Cheap Car Insurance Deals on New CarsHere's How to Get Free Car Insurance Deals

How to Get the Best Rate (In a Nutshell)

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location:


1. Insurance Hits - May save you hundreds on your car insurance. Simply enter in your zip code and get free quotes from providers in your local area that offer the best rates.

Zip Code:

2. Best-Quotes - Call them (toll-free) at (855) 981-7528 - this is a free by phone service that provides multiple company insurance rates specific to your location, see how companies compete for your business. Offers great rates from quality insurers.


So you are interested in locating Free Car Insurance Deals on New Cars. Well, I will show you now not just how to find those free deals but rather how to find the cheapest car insurance rate that is available in your area.

The single most critical factor in getting the best auto insurance deals on new cars is shopping around for as many quotes as you can. How many? you should go for at least 5 quotes from different vehicle ins companies, less than that will simply not do the job.

Now, the problem is that shopping around for five quotes can be a tedious and time consuming task - well, not anymore, now it can be much easier for you.

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location. in order to maximize your chances of getting the best rate possible we recommend you use both services:

1. Insurance Hits - May save you hundreds on your car insurance. Simply enter in your zip code and get free quotes from providers in your local area that offer the best rates.

Zip Code:

2. Best-Quotes - Call them (toll-free) at (855) 981-7528 - this is a free by phone service that provides multiple company insurance rates specific to your location, see how companies compete for your business. Offers great rates from quality insurers.

Once you have in your hands several quotes, you can use The Car Insurance Price Comparison Tool to make sure you compare "apples to apples".

Here is how to further lower your rate to get the best car insurance for new cars

Here is a list of strategies to help you further reduce your car insurance cost:

Before You Buy a Car, Compare Insurance Costs
One of your considerations when shopping for a new or a used car should be the insurance costs. Car insurance rates are based in part on the price of the car, the cost to repair it, its overall safety record and the likelihood of theft.

Ask for Higher Deductibles
Deductibles are what you pay before your insurance policy kicks in. On your way to getting free car insurance deals you may want to consider increasing the amount of your deductible. Decide how much of the initial loss to your automobile you can afford to pay and see what deductibles various companies offer. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.

Reduce Coverage on Older Cars
Consider dropping collision and/or comprehensive coverages on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective.

Buy Your Homeowners and Auto Coverage From the Same Insurer
Many insurance providers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers.

Maintain a Good Credit Record
Establishing a solid credit history can cut your insurance costs. Many insurance companies use credit information to price auto insurance policies.

Paying Premiums
You can save on service charges by paying premiums in full rather than on a quarterly or month-to-month basis.

Lower Your Current Rate
Are you satisfied with your current agent and don't want to switch insurers? here's a simple trick that will practically "force" your agent to reduce your rate: follow the procedures in this guide to get a cheap quote from another insurer. Present your agent with the cheaper quote you got and tell him that you want to stay with him but in light of the cheap quote you have it is really difficult for you. This strategy will surely "persuade" him to reduce your rate.

Take Advantage of Low Mileage Discounts
Some insurers offer discounts to car owners who drive a lower than average number of miles per year. Low mileage discounts can also apply to drivers who car pool to work.

Ask About Group Insurance
Some companies offer reductions to drivers who get insurance through a group plan from their employers, through professional, business and alumni groups or from other associations. Ask your employer and inquire with groups or clubs you are a member of to see if this is possible.

Young Drivers With Good Grades
If you have a driver over the age of 16 and under the age of 25 who is either a full time student or a graduate of a college or university with a "B" or better grade average or a 3 point average on a 4 point scale, this driver may qualify for a good student discount.

Avoid Duplicating Medical Coverage
If you already have good health, life and disability insurance, buy only the minimum personal injury protection required by the state where you live.

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Just as most consumers purchase insurance on their autos and homes to protect their property and themselves in the case of an accident; many individuals, likewise, insure themselves and their families against unforeseen expenses arising from illness, injury or accidents. 

US consumers must have automobile liability insurance for at least the minimum limits required by law to drive on the public roads and highways. The minimum limits of liability required under many states' law are Bodily injury Liability of $25,000 per person, $50,000 per occurrence and Property Damage liability of $25,000 per occurrence. Liability insurance is insurance that pays damages to others, on behalf of an insured, for injury to or damaged property of others, up to the policy limit, which an insured may have caused by his negligence or may protect him against claims made against him by someone who alleges he was at-fault. 

Physical damage insurance is insurance to pay for loss or damage to your own vehicle. Physical damage insurance consists of two types. The first part which pays for theft, vandalism and fire type losses is referred to as either “comprehensive” or “other than collision coverage.” The second part is “collision” coverage. Physical Damage coverage is not required by State law, but is usually required by the lender (bank or finance company) if there is a loan on the vehicle or by the leasing company if it is leased. An insured can file a claim under his own Physical Damage coverage even if someone else may have caused the accident. 

Uninsured Motorist Insurance may also be included on a policy. Although Georgia requires all drivers to have “liability insurance” to drive, there are unfortunately those that either do not obey the law or may have unknowingly allowed their insurance to cancel. Uninsured Motorist would protect you when that other “uninsured” driver causes an accident which damages your vehicle or injures you or your passengers. This coverage is for protection of the policyholder's loss or damages inflicted in that accident. 

The Consumer Services Division is the investigative arm of the Department of Insurance and attempts to ensure fair and equitable dealings between insurers, agents, and policyholders regarding all insurance transactions. This division receives all complaints against agents or insurers. Action by this division can be instigated by a written complaint, a personal visit to the Atlanta office, or a meeting with one of the division’s field insurance investigators who travel throughout the state. Any inquiry that requires additional information or that appears to be a valid complaint is made into an investigation file. The file is then assigned to an insurance investigator qualified to conduct the particular type of investigation involved. The investigator gathers all available data necessary to properly analyze and evaluate the problem or claim. The division frequently holds an informal conference between complainants and company adjusters, agents, or underwriters regarding the problem in question. These conferences often bring about an amiable settlement. The division takes calls Monday through Friday from 8 a.m. to 7 p.m.

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