Getting the Best Car Insurance for You

Car-related accidents are one of the leading causes of death in the United States and across countries around the world today. Young people account for majority of fatalities because of their tendency to drive recklessly on the road. On this note, car insurance is needed by every car that is used on the road. First and foremost, the law of the land tells us that we should have car insurance if we want to drive on the road.

In getting car insurance in the old days, people were burdened by going through thick directories to get the list of names of insurance companies operating in their neighborhood. In the age of the internet, however, the story is different. The burden of looking up in directories has been lessened, if not totally eradicated, by online searching of car insurance companies. With few clicks on your keyboard, you can now get the best car insurance.

Since there is a stiff competition in the insurance market today, you should make the best out of this competition. Take advantage of it by getting the best quotes available for your car coverage. Comparing quotes is an effective and useful way to the most affordable quotes. If you want help, you can search the internet and look for websites that offer quotes comparison. Such websites can provide you with the list of insurance companies as well as their individual quotes for you to compare and contrast. This is not a burdensome task to do because you can do it at home. Remember to get as many quotes as you can so you can see which one is the best and most affordable.

Getting the cheapest or most affordable quote can be given by some conditions. If you want a cheaper quote, you should know the following things:

If you are a loyal customer of an insurance company and that you have taken some other types of insurance from the said company, the chance is you can get the loyalty discount. If a family member who bears the same surname has been a loyal customer of an insurance company, you can also enjoy such loyalty discount.

Another thing that can help you get cheaper quote is clean driving history. If you are one with a lot of traffic violations or engaged in car accidents, you stand the chance of being shunned by companies or be given higher quotes.

Tips to Find the Best Car Insurance Rates

Searching for the best car insurance rates can seem overwhelming to many consumers. Insurance companies factor in many variables such as credit scores, driving records, make and model of the vehicle, your number of years behind the wheel and much more to determine the cost of your insurance premiums however they are several steps every consumer should take to improve their odds of finding the best insurance premiums available.

First, you should know what factors will negatively affect you (increase your premiums). Factors such as a poor driving history including accidents, moving violations, drivers license suspension, poor credit scores or even simply the ownership of a vehicle considered to be risky (sports cars for example) will all increase your insurance premiums.

The key to finding good car insurance rates is to take steps outside of just calling your local agent and use the internet as a resource to (a) find car insurance companies and (b) request auto insurance quotes. The top 4 steps every driver should take when searching for auto insurance are.

1. Always request 4 or more quotes from insurance companies so you can compare premiums, coverage and customer service side by side. Car insurance companies (much like any service provider in any industry) all have different formulas to calculate risk so many consumers often find vast difference in rates by simply comparing quotes. The trick is to request quotes – something many consumers still fail to do, even when the information is just a click or two away.

2. Google the terms “car insurance quotes” or “auto insurance quotes” and take advantage of the wealth of information available pertaining to car insurance. Spend a couple hours understanding what questions to ask and how other consumers are saving money using popular comparison sites. These sites often aggregate quotes from multiple insurance companies and compare rates side by side for you.

3. Ask about discounts. ASK is the key word. Are you a student? Are you an existing customer? Are you a senior citizen? Do other members of your family have policies with the same company? Clearly ask any potential company for the list of discounts they offer and then sit down, check the items pertaining to you and call them back for a quote.

4. Never take the first quote. This is the golden rule of anything in this world. Sure, the first quote can sometimes be the best however more often its not so as a consumer its your obligation to compare rates.

A worthy note to remember is the actual cost of an auto insurance policy is just one factor drivers should consider when search for an insurance company. Customer service, claims handling, policy coverage, company rating and many more variables can play just as equal or greater importance than cost so do your due diligence when shopping for car insurance

Compare Car Insurance Quotes from multiple car insurance companies today.

Get the Best Car Insurance Quote Online

You can find just about everything online today. You can shop for clothes and electronics, and you can even take care of all of your insurance needs. That’s right – you can find the best car insurance quote online and then buy it the same day if you need to. That makes getting insurance easy and convenient. However, you are going to want to make sure that you know what you are getting before you buy.

Even if you already have insurance, you will want to see what the different companies now offer. Rates can change over time, and so can your situation. If your driving record is better, if you are now over 25, or if you have great credit you might qualify for certain discounts. Look at several companies so that you can get the best car insurance quote possible.

When you go to the online sites, you will need to enter info into a form so that you can get your quote. Some of the information that you will need to have on hand includes the year, make, and model of the vehicle, the number of miles you drive per year, and the type of coverage you need. After you enter the info and submit it, you will get your quote.

When you have several quotes from different companies, you will more easily be able to find the best car insurance quote. Choose not only based on price but also by the reputation of the company. You want to have a company that will pay if you are in an accident and that won’t string you along.

Take your time and find a company that offers a great price as well as great service. You will be glad that you did the research.

10 People Who Have the Best Car Insurance Rates

Buying a new car insurance policy is not easy. You have to consider how much coverage you want and what kind of protection you need. If you’re wondering what kind of people get the lowest insurance rates and why here’s an interesting list of people. Find out whether you fit into any one of these categories and how can you be that person who enjoys more coverage at the best rates!

1. Mr. Mature: Thousands of women and men world over are busy getting face-lifts and all kinds of implants to make themselves look younger but growing old has its benefits when it comes to car insurance. Statistics show that individuals under the age of 25 take more risks while driving and so their insurance rates are higher. But older drivers are more careful and mature, so their car insurance rates drop.

2. Mr. Turtle: People who consistently drive slowly will get themselves into fewer accidents because they take time to make safer driving decisions. It might just be time to refuse to race your college buddy down an empty street. You will get fewer speeding tickets and keep a clean driving record. All these factors are taken into account when an insurance company decides your insurance rate.

3. Mr. Fix it Yourself: For those times you do get into an accident, as much as possible, try to foot the bill or fix it yourself. The fewer insurance claims you make, the lower your rates will be because the insurance company’s records will not show a higher accident rate for you. It goes without saying, don’t shy from using your car insurance when you do need it-that’s why you’re paying for it.

4. Mr. Stone Cold Sober: The one sure way to get a terrible record and be labeled a risky driver is by getting a couple of DUIs. This doesn’t mean not drinking at all but make sure you don’t drive to a pub when you plan on drinking and don’t have a sober friend to drive you back home. Three out of ten Americans get into at least one alcohol-related accident in their lifetime. That means that using alcohol responsibly can not only give you the best car insurance rates but also save your life.

5. Mr. Good Credit: The way you use your money reflects whether you are a risk-taker. Shopping sprees that last for days running on credit will not help your reputation but paying your credit card bills on time will give you good credit. This is a habit that the best of us slip up with but one that benefits in so many ways because good credit is one of life’s greatest blessings.

6. Suburban Dweller: Living in a safer neighborhood has some hidden advantages. The location of your house tells your car insurance company whether your vehicle is more prone to be stolen or vandalized or whether it is likely to be safer. You will get cheap car insurance quotes if you live in the suburbs rather than the inner city or neighborhoods where the crime rate is higher than other areas.

7. Mr. Mix and Match: If you’re planning on buying a house and need to buy insurance, try combining your car insurance with it. Grouping your various insurances together will give you better rates for all of them.

8. Master Bookworm: If your child is a senior in high school or a college freshman, getting good grades will make a huge difference in your car insurance rates. Most car insurance companies will give a discount if your GPA is above 3.0. So being a book-worm doesn’t just pay off after college, it’s also great to reduce the money you shell out for car insurance while still in college.

9. Mr. Cautious: Installing car alarms and air bags in your vehicle can make the world of a difference in your insurance rates. They make your car less likely to be stolen or severely damaged in an accident. That’s why insurance companies will often give discounts just because you make driving safer for yourself.

10. The Misses: Statistics show that there are more men drivers than women drivers which mean that most accidents would involve men. Even though the number of women drivers is steadily increasing, the number of women is still lower and they therefore get lower insurance rates.

These 10 factors make a huge difference when you’re comparing car insurance quotes online. Find out which companies give greater discounts in these categories before choosing your insurance. Furthermore, there are things that you can’t change about yourself like your age or gender but remember that you can maintain a clean driving record and a good credit score anytime.