So what is Car Insurance Quote really all about? The following report includes some fascinating information about Car Insurance Quote--info you can use, not just the old stuff they used to tell you.
Auto insurance premiums vary widely from state to state and even within states. The same person may find swings of as much as $700 on the cost of an annual policy. Insurance agents are not legally bound to tell a perspective customer about discounts which may apply to his/her insurance. There are, however, things the consumer can do which may lower the price paid for auto insurance.
Higher deductibles
The single quickest and easiest way to lower your insurance premium is to raise your premium. Having a $1000 or even a $1500 deductible can lower premiums 15 to 20 percent. If you decide to go this route, consider putting the money saved the first year into an account earmarked to pay the deductible should you have any accident.
Investigate auto records
Your driving record may be unblemished but the record of the car model you own can also have an affect on your premiums. Insurance copies compile extensive reports on the way cars respond in accidents and how popular certain cars are with thieves. Cars with poor crash test ratings and cars that are frequently stolen cost more to insure. When buying a new car use an auto buyer’s guide to compare crash test and theft rankings.
Think about what you've read so far. Does it reinforce what you already know about Car Insurance Quote? Or was there something completely new? What about the remaining paragraphs?
Use the same insurance company
If you have more than one vehicle insure all of them with the same company. Almost all insurance companies offer multi-car discounts. Many companies offer further discounts if you use any other products they offer such as homeowners insurance and life insurance.
Getting many quotes and comparing them is the best way to check pricing, coverage and save money.
And, don’t forget, the best way to lower your car insurance premium is to drive safely.
Please see our recommended sources for insurance quotes from multiple providers. We have done the research so you don't have to.
So now you know a little bit about Car Insurance Quote. Even if you don't know everything, you've done something worthwhile: you've expanded your knowledge.
Thursday, February 12, 2009
Car Insurance Quote - Things To Know To Get Very Cheap Car Insurance And Quotes
Monday, February 9, 2009
Move! Your Location Is Causing Your Car Insurance Premiums To Double
You may ask how is your auto insurance policy related to your zipcode, and the answer is that your zip code has something to do with your policy. The area where you reside and the kind of neighborhood you have is part of the factors that auto insurers use when they calculate your premium. Realizing this information would be so useful in your search for auto insurance companies and could absolutely provide you better car insurance deals.
Your auto insurance rates may go up to the roofs, depending where your house is located and the manner you use your car. For example, if you reside 20 kilometres away from your workplace and you use your car everyday, you might add up more mileage than if you live closer to your workplace. The added mileage would mean that you would have higher auto insurance premium. That is because if you have more time on the road, the higher risk you have that you will be involved in an accident.
You can use public transportation such as trains and buses to go to and from work from time to time. If you have this option, make sure you utilize it so that you won't have to use your car everyday. This means that you will spend less time driving, less chances of getting into an accident, thus less auto insurance rates.
Where you live must be a safe neighborhood as well. If you live in a place where there is high crime rate, this means you are in high risk of your car being stolen or vandalized. So in case you are also in the market for your home, be certain that you take this into account.
These pieces of advice could be useful in case you are considering moving to a different residence. This cannot just influence your auto insurance policy but it could also have an effect when you shop for home insurance. Be certain to weigh up the amount that you could save on having an affordable home in contrast to the amount of auto insurance you need to pay yearly.
But do not lose hope in case you reside in a place that is not favorable. Yet again, you could be able to get cheap auto insurance premium if you use your car in a smart way. By reducing the amount of time you spend driving, you also reduce your auto insurance costs. Moreover, in case you have a garage, this could be your power to prove to your auto insurance company that you have lower risk of theft auto.
In case your house is situated close to a police station or government buildings, that is an advantage because this would demonstrate that there would a low risk of crime in your neighborhood. Schoolsl, shopping malls or other business could be cited as well so that your zip code would be in your favor.
Be certain as well that you shop around online to get the best deals on auto insurance premiuns. If a particular auto insurance company quotes that where you live is a high risk area, that doesn't mean you have to believe them. There are many sources through the Internet that could be useful in getting cheap auto insurance premiums. You just have be patient and search for the most favorable deal on your auto insurance.
Getting a Car Insurance Quote When Moving to a New State
Moving to a new state means lots of changes: you'll need a new driver's license, you'll need to notify business and personal contacts of your new address, and you'll get a new phone number. But, what about your car insurance? Do you need to get a new quote on car insurance once you move?
If your move is temporary - typically less than six months, then you don't need to change your car insurance at all. However, if you're relocating permanently, or for longer than six months, you'll need to get a car insurance quote for your new state.Now, keep in mind, this doesn't necessarily mean that you'll need to change car insurance companies. Most major companies operate in all 50 states, but you'll want your company to quote car insurance for you in your new state, just the same. This is because each state has different laws and requirements governing car insurance. For example:
* There are a few states that don't require liability insurance.
* Coverage limits vary widely from state to state
* Some states have "no fault" coverage, meaning that each party's insurance covers their damage, regardless of who caused the accident.
* Some states require uninsured motorist coverage
* Some states require personal injury coverage
* Some states have different insurance requirements for drivers with poor driving records.
As you can see, without getting an agent in your new state to quote car insurance rates for you, you could be in violation of state law. Therefore, it's important to update your car insurance coverage promptly.
Car insurance rates vary widely by state, as well. You may be shocked when local companies quote car insurance rates for your new state. Be certain to get your current company to quote car insurance rates for you in your new state, if they operate there. If you're moving to a state with higher premiums, you might get a better quote from your current insurance company simply because you've been a customer for a while.
If you find that you're new car insurance rates will be higher than those in your old state, remember that you don't have to transfer your policy for six months. You'll save money by keeping that old policy for as long as you can. On the other hand, if car insurance in your new state is less expensive, you may want to transfer your policy right away.
Shopping for a car insurance quote may seem like just another item in the long list of things to do as you're moving. But, it's important to get your car insurance updated within six months of moving to make sure you're driving within the law.
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