How to Get the Best Rate (In a Nutshell)
We've reviewed numerous quoting services to bring you the best ones. 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.
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 full coverage 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 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.
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.
Here's the book's table 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
Online Car Insurance Reviews one of the primary activities that you need to indulge in as you go about securing the finances associated with your car would be to compare car insurance.
Several companies out there are competing for their market share, as the insurance industry is huge here. All you need is to compare the car insurance companies. While you are looking ahead for differentiating between those many companies that offer insurance, you need to choose one that suits well to your needs. You need to determine the strength and the weaknesses as well as the difference in coverage and policy terms while reviewing insurance companies.
In this day and age when technology is well within the reach of virtually anyone who could stake claims to a car, it is only expected that the search for the best car insurance would only get better, easier, and more efficient. Here is a glimpse at the different ways in which you could compare care insurance companies, and what they mean to the end consumer.
Product range and availability
You would not want marketers to go all out to confuse you to your wit’s end. However, you would not want to deal with an organization that is known for one, and just one product, either! Sophistication and development in the field of insurance mean that there have been specialized products and services developed to serve the unique needs of customers. Before you get car insurance, make sure you have understood what the different products and service offerings are, and how the companies do in terms of range and availability of options.
Here are some excerpts from the book:
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.
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.
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.
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.
How to Lower Your Premiums: 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. 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.
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 book 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.
How to Get Discounts
Most insurance companies offer various types of discounts. You need to actively ask the agent if there’s any discount that can apply to you, or better off, ask him for a list of all their discounts.
Here's a list of items that may qualify you for a discount (The discounts listed may not be available in all states or from all insurance companies):
Protection devices such as airbags, anti-lock brakes and anti-theft devices.
Insuring your auto and your home with the same insurance company.
College students away from Home.
Taking a defensive driving course, particularly if you’re 55 or older.
Drivers education courses for young drivers (submit proof that any young drivers have completed a driver education course which meets the standards set by the National Conference of Driver Education).
Good Credit Record.
Low Annual Mileage.
Insuring multiple vehicles with the same insurance company.
No accidents in 3 Years.
No moving violations in 3 years.
Student drivers with good grades.
Being a member of an organization or working for certain employers.
Mature driver between 50 and 65.
Remember, the key to savings is not the discounts, but the final price. A company that offers few discounts may still have a lower overall price.
How to Shop For Auto Insurance?
Comparison shopping is the key to getting the most for your insurance dollar Consumers think nothing of price shopping for televisions, radios or appliances to save $20 or $30, but forget to shop around for auto insurance where hundreds of dollars can be saved. There are more than 200 auto insurers (or insurance companies) licensed in every state, so there are plenty of places to shop. The best time to shop for insurance is BEFORE you purchase a vehicle, trade in a vehicle, add drivers to your policy or renew your policy.
Here are some basic tips to follow when shopping for insurance:
Before buying a car, determine your insurance costs. This is the first cost-savings step in purchasing auto insurance. When you are shopping around for a new or used car, be sure you factor in the cost of insurance as well. High-performance vehicles are more expensive to insure.
Know what insurance coverage you are buying. Before you begin calling to request price quotes, you should familiarize yourself with the insurance coverage you are buying. It is important to know which coverages your state's law requires you to purchase and those coverages that you may choose to purchase (Refer to other sections of this book for more information).
Check your Credit Report. Under most state's law, insurers may not use your credit history to decide if they will insure you, cancel you, renew you or increase your premium. However, insurers may use your credit history to determine what rate you will be paying for your auto insurance. Not all insurers use credit history and you may obtain auto insurance through insurers that do not use credit. For those insurers that do use credit, they are required to tell you at the time you apply for the insurance that they will consider your credit history If you ask, an insurer must tell you how much of your premium is as a result of your credit score.
Credit reports are used to determine the type of financial risk you present. Reviewing your credit report will help inform you of your standing when you apply for certain credit and certain types of insurance, as well as allow you to correct any errors you identify. You are entitled to review your credit report at no charge once every 12 months For questions or to make corrections to your credit report, you should contact the Federal Trade Commission, or any of these credit reporting agencies: TransUnion, Equifax, or Experian.
For those insurers that use credit history to determine a portion of your premium, they are required to review your credit history every two years, or you can request the insurer to do so once during your policy term. The insurer may only give you the benefit of any improvement in your credit history; it cannot be used to increase your premium even if your credit deteriorates from what it was when you applied for your policy.
DO COMPARISON SHOPPING
Contact several insurers. It is recommended that you use an online free car insurance quoting service, this will save you time.
Agents/agencies have contractual arrangements with insurers to sell insurance on behalf of the insurers. Brokers do not have such arrangements, but work with agents to locate or broker insurance on the consumer’s behalf In either instance, your insurance policy is with the insurer itself and not the agent/agency or broker.
Ask your relatives and friends for recommendations regarding purchasing auto insurance. In addition, some banks, employers and special interest groups offer insurance directly to their members.
The Internet also provides a variety of insurance information. Many insurers have web sites and/or work with non-affiliated quoting vendors to provide insurance premium quotes on-line.
Ask for price quotes. In order to make an apples-to-apples price comparison, you must provide the same information to each insurer or producer. The following information is normally requested: make/model/year of the vehicle you wish to insure, average annual miles driven, the region in which you live, the types of coverages and limits for those coverages that you wish to purchase and driving record (accidents or violations) of the vehicle operators. This information is required to provide you an accurate quote.
Ask about deductibles. A deductible is the amount you agree to be responsible for in the event of damage to your vehicle (i e accident, fire or vandalism) If you select a high deductible, you will pay more money out-of-pocket for any damage; however, your insurance premium should be lower. Ask for discounts. Again, to help keep rates down, ask what discounts the insurer offers. Make sure you provide all information that may result in a discounted premium (e.g. security devices, safety devices, good driving record, good student, defensive driving courses, multi-vehicle or multi-policy discounts, etc).
Protect yourself from insurance fraud. Once you have selected an insurer you may want to contact your state's Insurance Administration to verify that the insurer is licensed to sell insurance in your state. It is illegal for unlicensed insurers to sell insurance. If you choose to use a producer, also verify that the producer is licensed.
Financing Insurance. Not everyone can afford to pay their insurance premiums upfront; therefore, many insurers offer installment plans. In addition, your premium may be financed by a premium finance company in exchange for your agreement to pay interest and service fees.
Whether you choose an installment plan or a premium finance company, ask the following questions before buying the policy:
How much is the down payment?
Other considerations. Price is an important factor in selecting an auto insurer; however, other factors also deserve consideration. Some consumers prefer to deal with a producer that has an office in the same community or with an insurer that has a claims office nearby. Customer service is another important consideration. Also, you may want to know how long the insurer or producer has been operating in your state, how quickly claims are processed and how often complaints were filed against the insurer or producer. Some of this information may be obtained directly from the insurer or producer. You may also contact your state's Insurance Administration in writing to obtain some complaint information
What Factors Impact Your Insurance Rates
When you apply for auto insurance, the insurer will ask for information about you to evaluate your individual risk characteristics These individual risk characteristics assist insurers in predicting the likelihood that you will be in an auto accident in the future or will file a claim for damages. Insurers evaluate these characteristics to determine whether their guidelines, known as underwriting guidelines, permit them to write a policy for you. The individual risk characteristics that insurers typically review include:
Your driving history for the past three years; specifically including any moving violations on your driving record and/or any accidents you have been involved in.
What type of vehicle you wish to insure; the make, model and age.
Whether there are any drivers of your vehicle under age 21 (and whether those drivers are covered under a different policy).
Whether you have been canceled or non-renewed by a previous insurer.
Whether you have allowed your prior insurance coverage to lapse for a period of time.
The amounts of insurance coverage you wish to purchase.
Whether you have a stable residential address and/or work history.
Your driving record. Insurers are prohibited from increasing your rate based on accidents or traffic violations that are more than three years old. Insurers will consider traffic accidents and traffic violations that have occurred in the past three years in determining your risk. If your driving record is less than perfect, then you will be considered a higher risk and will pay a higher premium.
Geographic area. The number of claims filed by policyholders in your geographic area affects the rates charged by insurers. Counties or zip codes are commonly used geographic areas.
Gender and age. 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 55 or 65.
Marital Status. Married individuals have a lower incidence of accidents and claims. Therefore, married individuals generally pay lower premiums than single people.
Prior insurance coverage. Most insurers ask about your insurance history, including whether or not you currently have coverage or whether or not you have ever been canceled or non-renewed. Some insurers require individuals to pay higher premiums if there has been any lapse in insurance coverage.
Annual mileage. Insurers will also calculate your premium based on the average distance you drive on an annual basis. If your annual mileage is high, then insurers will consider you a greater risk and will charge you a higher premium.
Age, make and model of vehicle. Premiums are also based on your vehicle’s age, make, model and value. Certain makes and models of vehicles – when involved in accidents – cause or permit greater levels of bodily injury; sustain greater levels of damage; and, are more difficult and costly to repair Insurers charge a higher premium to insure a vehicle that displays such characteristics.
Credit history. Some insurers review an individual’s credit history when determining their premium. For instance, bankruptcies, late payments and the number of credit cards you have may result in a higher premium. Insurers must follow specific guidelines when using a consumer’s credit history to underwrite or rate an auto insurance policy.
Those guidelines state that an insurer may not:
Additionally, you have the right to request that your insurer recheck your credit history once per policy period If your credit history has improved, the renewal premium may be reduced. However, if your credit history has deteriorated, this information cannot be used to increase your premium.
You can review your credit report to become informed about your standing when you apply for certain credit and certain types of insurance. You may also correct any errors you discover in your report. You can review these reports at no charge every 12 months. For questions, or to make corrections to your credit report, or to access information about how to obtain free copies of your credit reports, you should contact the Federal Trade Commission at www.ftc.gov.
What Discounts Are Available to You
Obtaining discounts is one of the ways to keep your insurance costs down. It is important to be aware of these discounts before purchasing auto insurance. However, insurers do not offer all the same discounts. Some of the most common discounts include:
Good driving record. Most insurers offer discounts to drivers who have not had an accident and/or violations in a specific time period (normally three or more years). Insurers are prohibited from considering violations older than three years.
Safety devices. Discounts frequently are offered for devices that limit bodily injury or property damage caused by accidents. Such devices include anti-lock brakes, automatic safety belts and air bags.
Multiple policies. Although an insurer cannot require you to buy a homeowners’ insurance policy when you purchase an auto insurance policy, some insurers offer discounts to policyholders who purchase both auto and homeowners policies. In addition, insurers may also offer discounts if you have more than one vehicle insured with the insurer.
Good student. Many insurers offer discounts to students who maintain at least a B average.
Driver Education Courses. Many insurers offer discounts for the completion of a driver education course.
Renewal Discount. Some insurers offer a discount to their policyholders who have maintained continuous coverage with the insurer for a number of years.
Memberships or employment discounts. Insurers may offer discounts to members of certain organizations (e. g. credit unions, shopper’s clubs or alumni associations).
You may also be eligible to receive a discount through your employer (e. g. state employee, military or teacher).
What Does Your Coverage Include
Auto insurance coverage may include several types of protection. However, state law requires all registered vehicle owners to purchase certain minimum protections or coverage levels. Many drivers purchase more than the minimum requirements to protect themselves from high repair bills, medical expenses and lawsuits. Consumers who choose to purchase coverage above the state’s minimum requirements will pay higher premiums.
BODILY INJURY LIABILITY INSURANCE
Pay for a lawyer to defend you if you are sued; and
PROPERTY DAMAGE LIABILITY INSURANCE:
* Pay for a lawyer to defend you in the event that you are sued; and
Note: While state law establishes the minimum level of liability coverage, consumers who can afford higher premiums may choose to purchase more coverage. Higher limits of coverage provide more protection against repair expenses, medical expenses and legal judgments which might be higher than the minimum coverages required by your state.
UNINSURED MOTORIST (UM) COVERAGE
$30,000 for bodily injury per person;
In your state, UM coverage may also include under-insured motorist coverage, which is known as UIM coverage. It provides you with bodily injury protection in the event you are involved in an accident where the at-fault driver has an insurance policy with liability limits that are less than your UM limits, and your injuries exceed the at-fault driver’s available limits. You then can claim the difference under your own insurance policy.
PERSONAL INJURY PROTECTION (PIP)
PIP coverage can be denied if claims are not properly and timely filed with your insurer. Therefore, it is important to contact your insurer immediately after an accident has occurred and request PIP forms. Some states require consumers to purchase at least $2,500 in Personal Injury Protection (PIP) coverage. You may be able to waive PIP coverage for certain individuals resulting in a reduction in your premium. Consult your producer for a thorough explanation.
Because PIP coverage may duplicate an individual’s health care coverage, some consumers choose to waive PIP if they feel they have adequate health care coverage and/or can afford to pay for medical treatment. You should check your health care policy and consult your producer about this coverage. Although waiving PIP results in a lower premium, you should keep in mind that PIP also pays lost wages and your household members’ medical expenses, which are not covered under health care policies.
Since vehicle policies are regulated at the state level, it is recommended that you add the name of your state and city to the search term when searching online for low cost quotes. For your convenient here is a list of US states and biggest cities: Alabama AL, in Alaska AK, in Arizona AZ, in Arkansas AR, in California CA, in Colorado CO, Connecticut CT, Delaware DE, District of Columbia DC, Florida FL, Georgia GA, Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Puerto Rico PR, Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VI, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY. New York, Los Angeles, Chicago, Houston, Philadelphia, okc, Phoenix, San Antonio, San Diego, Dallas, San Jose, Detroit, Indianapolis, Jacksonville, San Francisco, Columbus, Ohio, Austin, Memphis, Baltimore, Fort Worth, Charlotte, El Paso, Milwaukee, Seattle, Boston, Denver, Louisville- Jefferson County, Washington, Nashville-Davidson, in Las Vegas, Portland, Oklahoma City, Tucson, Albuquerque, Long Beach, Atlanta, Fresno, Sacramento, New Orleans, Cleveland, Kansas City, UK, Virginia Beach, Omaha, Oakland, Miami, Canadian, Canada, Northern Ireland, Australia, Tulsa, Honolulu, Minneapolis, Colorado Springs, Arlington.
Other Coverage That is Available to You
Physical Damage Coverage, also referred to as comprehensive and collision coverage, is the most commonly recognized coverage as it protects you from expenses related to damage or loss of your vehicle (e. g. accidents that you cause, theft or vandalism). Although your state's law may not require you to purchase physical damage coverage, often banks and other financial institutions that lend you money to purchase your vehicle or lease you a vehicle, will require that you purchase both collision and comprehensive coverage to protect their interests in the vehicle.
Collision Coverage pays to repair your vehicle or pays you what your vehicle was worth right before an accident occurred (If your insurer determines the vehicle is a total loss, this means that the cost to repair the vehicle exceeds the value of the vehicle). Collision coverage is provided regardless of who caused the accident.
Generally, your premium decreases as the amount of the deductible increases. For example, if you hit a pole and the resulting damage to your vehicle is $1,200 and your deductible is $500, then the insurer will pay $700 to the body shop and you will pay the balance of $500. On the other hand, if you purchased collision coverage with a lower deductible or no deductible, then you would pay less towards the repair costs, but you would pay a higher premium.
Comprehensive Coverage (also known as Other Than Collision) pays for damage to your car resulting from causes other than an accident, such as vandalism or theft. As with collision coverage, choosing a higher deductible will lower your insurance cost.
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