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Free Book: Cheap Car Insurance

Cheap Car Insurance - How to Slash Your Auto Insurance Costs and Get Cheap Quotes

A Step by Step Guide

Cheap Auto Insurance, How To Get The Best Car Insurance QuotestTable of Contents
1. How to Get Cheap Car Insurance Quotes
2. What Car Insurance Companies Don't Want You to Know - Application Form Secrets
3. How to Lower Your Premiums
4. How to Get Discounts
5. How to Shop For Auto Insurance
6. What Factors Impact Your Insurance Rates
7. What Discounts Are Available to You
8. What Does Your Coverage Include
9. Other Coverage That is available to You
10. Additional or Supplemental Coverages that are Available
11.Car Insurance Frequently Asked Questions

Sample Content:

How to Get Cheap Car Insurance Quotes
The number one mistake made by car insurance seekers is approaching only the companies that are most heavily advertised. The first insurance company that comes to mind is not necessarily the one that will offer you the best rate.
The single most important factor in getting a cheaper car insurance rate is shopping around for as many quotes you can. Why? because different insurance companies charge different rates for the same coverage. In addition, insurance companies' competitiveness differ tremendously by customer location.
Only by obtaining several quotes that are specific to your situation and location you will be really able to discover the cheapest rate that is available to you. How many quotes? go for at least 5 quotes from different insurers, less than that will not do the job.

Now, usually shopping around for five quotes can be a tedious and time consuming task, but we will make it here 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:

1. Best-Quote-Inc. - 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.

2. 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:

I recommend you get quotes using the above providers, the more quotes you get the better your chances of getting the cheapest quote available. This comparison may save you as much as $400 and more on your car insurance.

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2. What Car Insurance Companies Don't Want You to Know - Application Form Secrets
Upon requesting a quote from an insurance provider you will be presented with an application form and be asked a series of questions regarding your driving history, accident reports, family situation, etc., now, the answers you give to these questions will be the determent of your premium rate. Based on extensive research we will now reveal to you what is hidden behind each of the questions so that you will be able to maximize your chances of getting a cheaper quote.
Where you Live, Where You Park
The price that you pay will be affected by where you garage and drive your car. Applications include a question that asks for the address where the vehicle will be garaged. From this information insurers can tell a great deal about your risk of financial loss. For example, Insurers know from their claims experience that more claims are made from city areas than country areas (busy traffic, thefts, vandalism, etc.). Thus, drivers in heavily populated areas often pay more than rural. Note that two adjacent zip codes may sometime produce a substantially different insurance rates, this may be a consideration when you are planning to buy a new home and are looking at several nearby locations.
Other Drivers in Your Household

The ages and driving records of other drivers in your household will likely affect your premium. If you have young drivers that are covered by your policy, your premium will increase whether or not they ever or rarely drive your vehicle.
What can you do? well, if there are other drivers in your house that have their own vehicle and insurance and are not directly related to you, than in most cases they are not required to be covered by your policy. Another thing, if you have in your household a high risk driver, you can simply exclude him from your policy, this will make your policy much cheaper but naturally will also exclude him from driving your car.
Note that agents are sometimes reluctant to exclude drivers in your household from your coverage so you will need to be firm here. Note also that some states does not allow exclusions of household drivers.
What can you do to decrease your premium when you have a young driver in your family? make sure the youngster completes a driver's training course and if possible also the defensive driver course, this two in addition to being a good student can sometimes shave a nice chunk off your premium.

Will the Car be Used for Business?
Indicating that your vehicle will be used for business purposes will substantially increase your rate. Some insurance companies will even refuse to insure you once you indicated a commercial use of the vehicle. The important thing to know here is what is considered "business use", commuting to work and back is not a business use, delivering newspapers is business use.
Age, Make and Model of the Car
Car insurance rates are greatly influenced by your car's age, make, model and value. Certain makes and models of cars are considered to be causing greater levels of bodily injury when involved in an accident; sustain greater levels of damage; and, are more difficult and costly to repair. Insurance providers charge a higher premium for a car that displays such characteristics. Conclusion: when considering a car to buy you should also take in consideration the cost of insuring it.
Annual Mileage
On the application you will be asked about how often and how far you drive; higher annual mileage generally means higher premiums - this is applicable in most states. The insurer will in most cases count here on your statement unless you indicate a very low mileage.
Your Driving Records
Your driving history for the past three years; including moving violations, claims and accidents you have been involved in will substantially influence your insurance cost. Once your driving record is less than perfect, you will be considered a higher risk and will pay a higher premium. However, different companies rate various violations differently, thus it pays to shop around for the company that will provide you with the most favorable rate based on your specific situation record.
Note that insurance companies usually report your claims to a nationwide database that in return share this knowledge with most insurance providers. Your insurance company may use this data to verify your indication on the application form and the information you've submitted in the past.
Do You Own or Rent Your Home?
Sometimes you can get a discount if you own your house as opposed to renting it. Yep, insurance companies consider renters a greater risk than owners.
Prior Insurance Coverage
Most insurance companies will ask about your insurance history, that includes whether you currently have coverage or whether you have been canceled or non-renewed in the past. Note that Insurers consider lapses in insurance coverage a greater risk and may increase your premium on this count.
Gender and Age
According to insurance industry statistics, males and young adults have a higher incidence of accidents; therefore, your gender and age will impact your rate. Rates generally decrease at age 25 and may increase as you approach age 65.
Marital Status
Insurance companies believe that married people have a lower incidence of accidents and claims, thus if you are married you will in most cases pay a somewhat lower premium than a single individual.
Credit History
Some companies may review your credit history when determining your premium. Factors like bankruptcies, late payments and the number of credit cards you have may result in a higher premium.
Is the Vehicle Leased?
Leasing a car may result in an extra insurance cost. Why? because leasing companies usually require that you get a high level of insurance coverage - higher than you may have in mind for a car you would own.

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Sidebar: you are invited to visit our car insurance information section featuring a list of articles that may save you hundreds of dollars on your motor vehicles quotes. In full coverage auto insurance you'll discover helpful tips to getting cheap quotes. For information on how to get cheaper quotes on shorter terms see one month car insurance and also short term car insurance. For first time drivers information see cheap car insurance for new drivers. How about obtaining cheaper premium rates for mature women? no problem, look here, lower auto insurance for over 25 olds.

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Here is a free book that cover all the info you need to lower your automobile insurance costs.

How about getting a better deal on first time driver? just click the link. Once you get several quotes use the price comparison worksheet so that you will be able to compare apples to apples. It may come a time that you'll be interested in canceling your policy, use this article for the instruction of how to do it. Our drivers insurance hub page feature a list of guides that can surely help you lower your policy rates. For those of you who seek cheap quotes for a shorter term policy, read this article. and here are tips and advice for special interest groups such as young drivers and temporary insurance.

If you have first drivers in your family look here for useful advice on getting cheaper quotes, other types of policies can include the following: no deposit car insurance, pay monthly, insuring classic cars for young drivers, cheaper quotes for MA residents and PA residents, better quotes for female drivers, getting better deals on liability insurance, locating good rates for new drivers. how about if you are interested in pay as you go auto insurance? yep there is a guide for you. And here is a list of car insurance companies cheapest. And the list concludes with a way to calculate you premiums.

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