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Locating an Affordable Car Insurance

Here's How to Get Cheap Non Trucking Liability Insurance

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. This free service filters out the more expensive insurers and provides you with one or more companies that offer the cheapest auto insurance rates for your specific location. 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.

The Newbie Mistake That Can Cost You Dearly

The number one mistake made by folks who seek Cheap Non Trucking Liability Insurance 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 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 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. Insurance Hits - May save you hundreds on your car insurance. This free service filters out the more expensive insurers and provides you with one or more companies that offer the cheapest auto insurance rates for your specific location. 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.

insuring your vehicle

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 Austin, TX car Insurance 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.

Car Insurance Terms Explained In total, the Bloomington, Ill.-based firm expects to return $2 billion to its auto insurance customers, making it the single largest dividend paid to customers in the company’s history.

“We see from our claims activity people are driving less,” State Farm Chairman, President and CEO Michael Tipsord said. “This dividend is one of the ways we’re working to help our customers during this unprecedented situation.”

Progressive is offering its customers a 20 percent credit for their April and May premiums, and those credits will be applied automatically in May and June. For those who have a balance on their policy, Progressive will return the money to the payment account on file, so customers should make sure payment details are up to date.

Also, from April 1 through May 15 the insurer will waive late fees, pause collections and hold off on canceling or not renewing active policies because of nonpayment.

Age, Make and Model of the Car. Auto 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 cancelled 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.

Non Trucking Liability Insurance Minimum Requirements

Most states require that all registered vehicles be covered by liability insurance. Some states even require you to purchase uninsured motorist coverage and no-fault car insurance. Your commercial vehicle is no exception to the rule.

Most states require at least the same minimum insurance requirements that apply to passenger cars for commercial vehicles.

Who Needs Commercial Car Insurance?

If you are operating a vehicle for any business-related purposes, you will need commercial car insurance.

For example, you would need commercial insurance to operate a vehicle for:

  • Pickup or delivery of goods including:
    • Materials.
    • Newspapers.
    • Pizza or other food delivery.
  • Messenger services.
  • Taxi services.
  • Limousine services.

Additionally, you may need commercial insurance if your vehicle is:

  • Registered or titled to a:
    • Business.
    • Corporation.
    • Partnership.
  • Rented or leased by others.
  • Equipped with:
    • Snowplowing equipment.
    • Cooking or catering equipment.
    • Bathrooms.
    • Altered suspensions.
    • Hydraulic lifts.
    • Racing equipment.
  • Consistently driven by you or your employees for both business and personal use.

If you are operating a vehicle for any business-related purposes, you will need commercial car insurance.

Commercial vs. Personal Car Insurance

Car insurance companies view commercial insurance and personal insurance as two completely different things. This is mainly because businesses typically face more risks in the daily operation of vehicles than a private citizen would.

If you carry a personal car insurance policy and you file a claim for an incident that occurred while driving for business purposes, you may find that your car insurance company will not pay on that claim.

However, if you have the appropriate commercial car insurance policy, you will be covered.


As stated above, most states require at least the same minimum coverage limits for commercial vehicles as they do for personal vehicles.

Additional requirements may apply, especially for vehicles that are used to:

  • Transport passengers (e.g., taxis, limousines).
  • Transport hazardous materials.

When you get your commercial auto insurance quotes, don’t forget to ask about local laws that apply to you.

Limits and Risk

When you shop for commercial car insurance, you may find that companies will only sell you policies that include coverage limits that are much higher than the state’s minimum requirements for personal vehicles.

Why? It relates to risk. When a car insurance company provides coverage to commercial vehicles, it takes on increased risk.

Combined Single Limits

Limits in commercial car insurance policies typically differ from personal auto insurance limits in one major way.

Standard liability insurance policies usually break limits out into categories of property damage and personal injury. However, a commercial car insurance policy generally has a combined single limit.

This means that claims under your commercial car insurance policy will be covered under one limit.

You can expect to see coverage limits ranging from $500,000 into the millions.

Types of Commercial Car Insurance

Because there are so many different types of commercial vehicles and different hazards and scenarios these vehicles face compared to the typical personal vehicle, there are several different types of commercial car insurance and coverages.

Types of commercial auto insurance include:

  • Business auto insurance.
  • Truck insurance.
  • Cargo insurance.
  • Pickup truck insurance.
  • Tow truck insurance.
  • Van insurance.
  • Dump truck insurance.
  • Non-owned/hired liability insurance.

Federal Regulations

Federal law dictates strict commercial auto insurance requirements for certain types of businesses who use vehicles to transport goods and passengers from state to state.

These requirements will differ depending on what it is you transport.

As part of these requirements, your commercial insurance provider must submit insurance filings to the Federal Motor Carrier Safety Administration (FMSCA). These filings verify that you meet applicable insurance requirements.

These filings are a type of proof of insurance, certifying that you meet any insurance requirements that apply to you.

You can read our Federal Motor Carrier Insurance page for more detailed information on these requirements.

Intrastate Filings

If your business does not cross state lines, you may still be required to submit insurance filings with state officials. Similar to federal filings, these filings verify that you have met your state’s insurance requirements.

They also certify that you meet any commercial auto insurance requirements that apply to you.

Visit our State Commercial Insurance Filings page for more information.

Shopping for Commercial Car Insurance

Depending on the nature of your business and how your vehicles are used, rates will vary for commercial car insurance policies.

One simple way to start your shopping is by getting commercial auto insurance quotes online. Getting multiple quotes will help you compare rates across different commercial car insurance providers.

Talking to an agent or company representative will also be very helpful in getting you the best policy that fits with your business needs.

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Suppose you need to have a shorter term policy, for instance one month, there are clever ways to lower your premiums for those short terms you seek, look for example here for a clever strategy to minimize your rate: cheap month to month car insurance. A motor home/recreational vehicle provides temporary living quarters for recreational use and is exempt for requiring a commercial driver’s license in most states: Cheap RV Insurance Companies - Best Recreational Vehicle Insurance Quotes. If you are operating a vehicle for any business-related purposes, you will need commercial car insurance: Cheap Tow Truck Insurance Cost. Is your son or daughter under 25 years old and you seek an affordable rata? look no more. There are ways to lower ins premiums even for younger drivers that are often subject to higher rate due to the fact that they are considered higher risk be insuring companies. look here for a little known strategy to get reduces rates: cheap car insurance for new drivers. If you own a business that uses a vehicle or number of vehicles for commercial purposes, you need to insure those vehicles with a commercial auto insurance policy: Cheap Short Term Commercial Truck Insurance Quotes. Are you stressed with money and are looking for quotes that does not require cash advance down payment? here is an interesting article that will provide useful information for your situation: no deposit car insurance companies. There are many reasons why an auto insurance provider might consider you a high risk motorist; as an example, if you have lately been convicted of a DUI, a driver having a clean record is likely to not be greater than your risk profile: Cheap Car Insurance For Bad Driving Record. Suppose you are looking for a list of insuring companies that provide comprehensive policies at affordable rates plus you want the list to only feature top insurers, now here's where you can find what your wish for: list of car insurance companies. The state of Texas requires all drivers to prove financial responsibility for any accidents they may cause. For many, that means purchasing liability insurance.

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When you are looking to insure your vehicle, in most cases you will want to seek maximum protection available, that is called full coverage, now although it is more expensive than partial coverage like just risk or a policy with high deductible, it will help you be more relaxed in case of a claim and not stressed, worried how to come with money to replace your damaged car. So here's where you can find a list of strategies to help you locate the best coverage at the cheapest rate possible for your specific location: cheap full coverage car insurance. As a parent of a teenager, you face numerous challenges. One of the minor ones involves finding affordable teen car insurance. There will be instances when you will be interested in locating insurers that will be willing to provide you with a shorter term than the usual one year of six month policy term, you may be needing a one day, a week or a one month term, in this case you can find a good low cost insurers in the following article: cheap temporary auto insurance. Many variables help determine the premium for your performance auto Insurance coverage:.

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Are you considered a high risk driver? if yes, unfortunately you will have to pay an increased rate in order to be insured. So when insurers will consider you a bad driver or a high risk and charge you more? any of the following will label you as a bad driver that may be subject to an increased rate: if you had several car accidents, if you were convicted of driving under the influence (DUI) or Driving While Intoxicated (DWI), and more. Now in all those instances your costs to be insured will be higher than the usual going rates however there are still strategies to minimize your quotes, see here: cheap high risk auto insurance companies. Despite all of the security precautions you might require, the reality remains there's danger involved with controlling your motorbike. It's this danger that makes having a motorbike insurance policy that is solid crucial: .

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The purpose of this article is to show you how to save on your policy premium costs and obtain really cheap policy price offers from the best rated and best value insurers. Now note that your rate can differ based on several factors. For example, the following personal factors can negatively affect your rate: first car for teens girls and boys, young driver, new drivers, over 60, under 21, learner drivers, teenagers, 17 year olds, young persons, high risk, under 25, drink drivers, young people, business car (any driver), young persons, 1st for women, business car insurance (any driver) and convicted drivers.

While other factors can allow for more affordable quotes, these include: over 50, college student, military, ladies, second car, renew current policy, low mileage, dual car, group family, joint drivers, 2nd car, limited mileage, multiple car and renewal.

There are some non-regular coverages that may not be available from every broker and agency, these may include: BMW vintage, pay as you go premium payments, high performance and racing autos, temporary European vehicles quotes, third party temp cover, antique or classic car, non owner 4x4 rental, no deposit required or agreed value low deposit.

You may also be interested in a non-regular term, these may include: pay monthly, for a day, for 6 month, weekend, monthly, weekly, short term, temp or 1 month - for those you'll need to locate specializing agencies or brokers. As for discounts for low income car owners, unfortunately most USA insurers will not provide low income men or women with special cheep or discounted car insurances rates. You can further lower your costs by limiting your cover to just liability rather than comprehensive, however this is not recommended. To summarize, taking advantage of the knowledge provided in this article can substantially reduce your average carinsurance costs.

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