Here’s How We Save a Ton of Money on Car Insurance
The single most critical factor in getting
a cheaper car insurance rate is shopping around for as many
quotes as you can. Why? Because different insurance companies
charge different rates for the same coverage. In addition,
insurance companies' competitiveness differs tremendously by
customer location.
You need to compare rates. 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. Now, usually shopping around for
quotes can be a tedious and time consuming task, but we will
make it here much easier for you. Right now there is probably a
company that offers a better rate than what you are currently
paying. But how can you find it?
Here is our little trick. To discover the cheapest car insurance rate that is available to us, we use this free service: (toll-free) at (855) 981-7528. They perform the tedious task of shopping around, and present you with the cheapest auto insurance provider for your location. We call this service every year before our car insurance expires. It allows us to discover whether there is a cheaper car insurance rate than ours, and has saved us lots of money over the years.
Alternavely, use this other free service to get several quotes from the providers in your local area that offer the best rates. Simply enter in your zip code and compare rates to find the cheapest one.
Here’s the free service we use to discover the cheapest car insurance rate that is available to us: (toll-free) at (855) 981-7528.
Cheap Car Insurance for College Students Away From Home
At the moment there are lots of
companies all trying to get you to purchase their own
insurance coverage for your car. From
quacking ducks to
talking lizards, there is an overabundance of
advertisements, all done with the intent to get you sign up
for
your own company.
But which is ideal for you?
One of the better options that I found is to go
online and compare the different automotive insurance
policies. That way, it is
easy to find one that matches
your specific situation. Additionally, I have discovered
that utilizing the Internet is the ideal
way to save
cash.
Before you go out and buy from the first
company that provides you a car insurance policy, it's
necessary that you understand
which items are important
for protecting you and your assets.
As you probably
know most insurance policies look the same. So it's
important to understand both the business and your
distinctive
situation.
First you should decide
the maximum amount which you may use to pay for your
insurance. This step means a careful analysis of your
budget. It is a question of how much you can afford.
This leads to our second item for consideration. How
much do you need to cover? For people who have a good deal
of assets, it's
vital that they get enough insurance to
personally protect their money in case of a catastrophic
accident.
Many penny pinchers elect to get the
lowest coverage. While it important to save cash, it's
equally important to prevent 1
accident from wiping you
out. The funny thing is that even in the event that you do
elect for lower coverage, you wind up not
saving that
much cash.
The next step is to check out the
individual car insurance companies. As a result, it is
imperative that you get quotes from at
least five
different automobile insurance companies. The method I use
is to go online and compare some of the top businesses that
show up. Here is a brief list of organizations that offer
top-rated car insurance:
• 21st Century Insurance
• Geico
• USAA
• Safeco Insurance
• MetLife Auto
• Liberty Mutual
• AllState
• Unitrin Direct
•
eSurance
• Progressive
• State Farm
• AIG Auto
Insurance
• GMAC Insurance
• Nationwide
• Eastwood
• Amica
• AAA
Once you find quotes from various
businesses, you need to create a plan of the various costs
involved with purchasing auto
insurance. This includes
deductibles, collision, comprehensive, and the total
expenses. For each company, try to get quotes on
various
degrees of coverage. That way, you can create an accurate
portrayal of the price for each auto insurance quote.
The last step is to realize just how much each business
will cover. As you may save money from one particular
business, they may
offer little to no coverage in case
you get into an accident. While you might save yourself a
bit of money in the brief term, the
long term
consequences could be catastrophic.
When you have
done your research, you will have a list of companies that
offer quality insurance at an affordable price. With a
little effort and research, you can properly cover yourself
within your budget requirements.
You
can pay as you talk to a cell phone plan, so why not pay as
you drive auto insurance? It sounds like a fantastic
thought; but
would pay as you drive auto insurance work
for you? The idea behind pay as you drive auto insurance is
easy. Basically its this-
if you do not drive very much,
you will not pay high insurance premiums. Advocates for this
kind of insurance policy think that
there are many merits
to this kind of program. What if you car pool to work, or
take public transit? You're not using your car
very much
so why are you paying high premiums. With a pay as you drive
car insurance premiums you'd be able to quite literally pay
as you go.
Another situation where this plan is of
benefit is that of many retirees who have winter homes in
temperate climates,
the'snowbirds' living in Florida or
Arizona six months of the year and six months in New York or
Toronto for example. Essentially
the insurance companies
would set an average driving amount for each car type. It
may be broken down into a cents per mile basis.
If you
wanted to us the pay as you drive auto insurance system you
could purchase a set number of miles and you would be
covered
for insurance during this period.
Pay as
you drive auto insurance is an excellent idea for those
people who don't use their car very much or try to find cost
saving
methods or environment saving alternatives.
Currently this type of program is not yet accessible, but
there are supporters in many
states who are hoping to
change that soon. Groups including Environmental Defense,
the Conservation Law Foundation and even the
U.S.
Environmental Protection Agency are working to organize a
national cooperative that would work with insurance
companies to
offer deep discounts for low-mileage
drivers; halfway a step toward PAYD (Pay As You Drive)
insurance.
General Motors and On-Star Offers PAYD
Rates. In mid-2004 General Motors Acceptance Corporation
(GMAC) Insurance began offering
mileage-based discounts
to OnStar subscribers located in some states. The OnStar
system reports a vehicle's odometer readings at
the start
and end of the policy term to verify mileage. Motorist who
drive less than specified annual mileage can receive
insurance premium discounts of up to 40 percent. PAYD
applications are also currently available in Israel, South
Africa and
Holland. PAYD is gaining momentum, and will
soon be coming to your area soon.
But will it arrive
in the largest Car Insurance marketplace, the United
Kingdom?
There's been a great deal of disagreement and
forwarded working concepts but non yet accepted. Discussions
have been put in place
and considerations made but for so
much as the UK drivers are concerned, that's as far as it
has gone. Maybe the industry has too
much to lose with
this new money saving notion so it's going to be set off for
a while, but as stress and nation's evolve to the
new
scheme it might be irrational to allow the UK to stay
behind, fingers crossed peps.
Cheap Car Insurance for College Students Away From Home
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