Get Cheap Auto Insurance Coverage Today!

Get Cheap Auto Insurance Coverage Today!

If people are serious about finding the best deals on auto insurance and getting cheap auto insurance coverage they are going to have to do their homework. Just choosing an agent on the basis of a recommendation from a friend or family member is usually not the best way to go, and accepting the advice of a stranger on the internet is not wise either. The difficulty is that each customer will be viewed as unique by the insurer, and each of these agents will be aiming their cheaper options at those who meet a certain criteria. This means that unless one person meets the exact same criteria as another person they will be offered a different quote.

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How Insurance Companies Decide on a Quote

The key to understanding how insurance companies decide on a quote is to know the factors that they consider when arriving at this number. These factors include:

    One of the first things that insurers want to know is your zip code. This is because where you live has an impact on your likelihood to have an accident or be a victim of crime. If you live in a neighborhood that considered high risk you can expect to pay more for your insurance.
    Even if intend to pay for your insurance without using credit the insurer is still going to want to check your credit score. If this is low you will be charged more for auto insurance.
    Of course one of the most important considerations for the insurer is going to be your driving history. If you have any driving offenses or there is any indication that you might be a careless driver then this will put your quote up.
    The type of vehicle that you are trying to insure is another key factor. If you want to drive something that is powerful then the insurer will view this as meaning that you are more at risk of having an accident. People who want to drive a classic or otherwise expensive car will also be quoted more because in the event of an accident or damage these will cost more to fix.
    If your car is going to be parked somewhere that it could easily be stolen from then this will work against you when looking for cheap car or auto insurance.
    If you are male you are likely to pay more for insurance than a female driver. This may not sound fair but statistics show that women are far less likely to need to make an insurance claim.
    Your age is also another important factor. Young drivers are less experienced and tend to be a bit more reckless when they drive.
    The frequency at which you use your car is another factor that is taken into consideration. Obviously the more time you spend driving your car, the higher your chances of being in an accident.
    Some insurers will also take marital status into account. This is because married people are believed to be less likely to have an accident than those who are single.

Keys to Getting Affordable Car Insurance Quotes

Now that you know what insurers are considering when you ask for a quote it becomes easier to get this reduced. The key to low cost insurance can include:

    Most people do not drive their car an excessive amount, and this means that in many cases they may be entitled to a reduction based on an agreed millage restriction. Before agreeing to such a restriction you need to be sure that you can meet it or otherwise you could end up paying more for your insurance.
    If you can park your car inside at night then this will mean that the insurer will see that there is less risk of it being stolen.
    Some insurers will give discounts if you have installed certain security devices such as a steering wheel lock. It is important to note that only those devices that are approved by the insurers will be eligible to the discount.
    If you own more than one vehicle you can get a good discount by insuring all of these with the one policy.
    Young people who can provide evidence that they are a ‘Grade A’ student will be considered less of a risk to insurers and therefore eligible for cheaper insurance.
    Some insurance companies will allow you to consolidate your car insurance with other types of insurance (e.g. house insurance). This means discounts.
    These days there are many insurers who are keen to be seen as environmentally friendly. They can have discounts for those that that are driving greener cars.
    If you agree to increase your excess (this is the amount you pay in the event of an accident) it will mean paying less for your premium. Only do this if you are a careful driver and feel confident that you will avoid accidents.
    If you are coming up to retirement then this can mean that you are entitled to get a discount. This is because you are less likely to be driving your vehicle every day in rush hour traffic.

How to Compare Car Insurance Quotes
In order to effectively compare auto insurance quotes you need to take a few different things into consideration:

    Level of coverage that this policy will be giving you? If you are only purchasing the minimum amount of coverage possible it may not cover much.
    How much of a deductible is there with this insurance? This is vital information to have because it refers to the amount of money that you will be expected to pay before the insurance kicks in.
    What is the total price for the insurance? You may end up paying more if your payments are going to be spread out. It is better to pay it all in one lump sum.

Steps for Paying Lower Insurance Costs

Over the last few years it has become increasingly easy for people to find inexpensive insurance. It used to be a case of contacting each individual insurer and asking them for a quote. Those who were serious about paying less could spend weeks trying to hunt down the best deals. Thankfully the arrival of the internet means that finding affordable insurance is easy and can be done in minutes. This is because cost comparison websites like this one use your details to instantly find the best deals. The technology means that within a few minutes you can fill out the online form and have a list of the best quotes available. What is even more impressive is that you can do all this from the comfort of your armchair.

The steps to finding cheaper low cost auto insurance could not be easier:

1st – Click on the ‘Get Quotes’ button

2nd – Answer a few simple questions

3rd – Press Send

4th – Wait for the best options on car insurance to appear

5th – Choose the best deal available

6th – Enjoy the cheapest insurance!

New-car Replacement Insurance

The coverage provides coverage for a new model year car replacement if your new or newer car is totaled in an accident. Most car insurance companies offer you new-car replacement insurance within a year of purchasing a new car and if the car is in its first 15,000 miles.    With new-car replacement insurance, your insurance company will pay you for the current value of an equivalent new vehicle.  This is different from gap insurance in that gap insurance only covered the difference between the value of your car at the time of the accident (without damage) and the amount of your loan.  This coverage is only available for new or newer cars, depending on the car insurance company and if your state permits this kind of coverage.
You may also be required to have collision and comprehensive coverage while you have new-car replacement insurance.  Insurance companies generally offer such coverage for a limited period of time – generally within the first two years of ownership of your new car.  If you are interested in this coverage, be sure to understand how long you have this coverage and what happens to your coverage at the end of that period.  Some insurance companies will convert your new-car replacement coverage into gap insurance at the end of their new-car replacement policies

Uninsured or Underinsured Motorist Protection

Despite all states requiring liability insurance, only a few require uninsured or underinsured protection. In theory, all drivers are required to have either liability coverage or provide proof that they will be financially responsible for accidents they cause. In reality, there will be drivers who have financial or other difficulties paying their premiums, resulting in no liability coverage. There are also other drivers who purchase the minimum insurance policy required which may not be enough money to pay for your damages. Uninsured or underinsured motorist protection can help you cover yourself in the event of an accident in which the at-fault driver has no insurance or inadequate insurance. This is often an overlooked but important part of car insurance.

Gap Insurance

Gap insurance is the insurance to cover the difference between the cost to repair your car and the amount you owe on your car, also known as the “gap”. If you have a loan or lease, you may want to consider gap insurance. If your car is “totaled”, this insurance will help you pay off what you owe on your loan/lease. Generally, this type of insurance is sold at the time you are financing your can loan or lease. Some lenders may require you to have it to be eligible for a car loan

Collision Insurance

While liability insurance covers damages you cause to others in a car accident, collision insurance covers damage to your car, regardless of who caused the damage. So, even if you caused the accident, it will cover repairs to your car. Collision coverage only covers the repairs to your car up to the value of your car at the time just before the accident. If your car is worth less than the cost to repair it after an accident (commonly referred to as “totaled”), a collision insurance policy will pay you the value of your car. No states require that you have this coverage – but you may need it for other reasons. For example, if you have a car loan or lease a car, you may be required by your lender to have this coverage. You can save money by getting a policy with a deductable, a fixed amount that you pay towards your own repairs. See more advice on what kind and how much car insurance coverage you really need.

Comprehensive Insurance

Liability and collision insurance policies exclusively cover car accidents. There are many exclusions to those types of coverage, such as fire, theft or if you hit an animal while driving. Comprehensive insurance covers most of those other risks to your car. As with collision coverage, no states require that you have this type of insurance – but you may want to consider it or need it for other reasons – when your lender or car lease requires it. You can save money on this comprehensive insurance by getting a policy with a deductable. See more advice on what kind and how much car insurance coverage you really need.

Liability Insurance

Liability insurance is coverage that protects you from the cost of accidental damage you cause to others and their property while driving a car. This covers the cost of medical bills, general and special damages (wage loss, continuing medical care, etc.) and repair of property damaged in the accident. This coverage also entitles you to the cost of defense (paying for an attorney for you) if you are sued for the damage you cause in a car accident. If you cause a car accident, your own injury and property damage is not covered by this type of insurance (see collision, medical/PIP, and uninsured coverage below).

Liability insurance coverage is usually listed with limits for bodily injury and property damage stated separately. For example, a 15/30/10 liability policy offers coverage up to $15,000 to one person for bodily injury, $30,000 for all bodily injuries to others, and up to $10,000 for coverage of property damage. You can also purchase a combined single limit policy, or CSL, which will cover all injuries and property damage up to the stated maximum caused by a single accident.

All states have set a minimum amount of coverage/financial responsibility for car insurance/financial responsibility but choosing the minimum isn’t right for everyone. If you cause an accident, you have to pay for the damage you caused. If you are in a serious collision and the damages you caused are greater than the coverage limits you purchased, you may be personally liable to pay for those damages that exceed your insurance coverage. Insurance companies quote rates (also known as premiums) that can vary by hundreds of dollars a year so it pays to do your research. Once you decide what coverage you need, you are prepared to shop smart for car insurance. See advice on what kind and how much car insurance coverage you really need.

Car Insurance Types

If you drive, own or lease a car, each of the 50 states requires you to either have car insurance or provide “proof of financial responsibility”. Proof of financial responsibility is usually met by having car insurance. Each state also sets the minimum coverage amount and specific types of insurance it requires. There are hundreds of car insurance companies with lots of options for car insurance…what kind of coverage do you want? What coverage do you need? Is the minimum coverage enough for you? What are your choices? Being informed as to the types insurance available will save you money and heartache when you are involved in an accident. CarInsuranceCalculator.info tells you the rules of the game:
Liability Insurance

Liability insurance is coverage that protects you from the cost of accidental damage you cause to others and their property while driving a car. This covers the cost of medical bills, general and special damages (wage loss, continuing medical care, etc.) and repair of property damaged in the accident. This coverage also entitles you to the cost of defense (paying for an attorney for you) if you are sued for the damage you cause in a car accident. If you cause a car accident, your own injury and property damage is not covered by this type of insurance (see collision, medical/PIP, and uninsured coverage below).

Liability insurance coverage is usually listed with limits for bodily injury and property damage stated separately. For example, a 15/30/10 liability policy offers coverage up to $15,000 to one person for bodily injury, $30,000 for all bodily injuries to others, and up to $10,000 for coverage of property damage. You can also purchase a combined single limit policy, or CSL, which will cover all injuries and property damage up to the stated maximum caused by a single accident.

All states have set a minimum amount of coverage/financial responsibility for car insurance/financial responsibility but choosing the minimum isn’t right for everyone. If you cause an accident, you have to pay for the damage you caused. If you are in a serious collision and the damages you caused are greater than the coverage limits you purchased, you may be personally liable to pay for those damages that exceed your insurance coverage. Insurance companies quote rates (also known as premiums) that can vary by hundreds of dollars a year so it pays to do your research. Once you decide what coverage you need, you are prepared to shop smart for car insurance. See advice on what kind and how much car insurance coverage you really need.
Collision Insurance

While liability insurance covers damages you cause to others in a car accident, collision insurance covers damage to your car, regardless of who caused the damage. So, even if you caused the accident, it will cover repairs to your car. Collision coverage only covers the repairs to your car up to the value of your car at the time just before the accident. If your car is worth less than the cost to repair it after an accident (commonly referred to as “totaled”), a collision insurance policy will pay you the value of your car. No states require that you have this coverage – but you may need it for other reasons. For example, if you have a car loan or lease a car, you may be required by your lender to have this coverage. You can save money by getting a policy with a deductable, a fixed amount that you pay towards your own repairs. See more advice on what kind and how much car insurance coverage you really need.
Comprehensive Insurance

Liability and collision insurance policies exclusively cover car accidents. There are many exclusions to those types of coverage, such as fire, theft or if you hit an animal while driving. Comprehensive insurance covers most of those other risks to your car. As with collision coverage, no states require that you have this type of insurance – but you may want to consider it or need it for other reasons – when your lender or car lease requires it. You can save money on this comprehensive insurance by getting a policy with a deductable. See more advice on what kind and how much car insurance coverage you really need.
Uninsured or Underinsured Motorist Protection

Despite all states requiring liability insurance, only a few require uninsured or underinsured protection. In theory, all drivers are required to have either liability coverage or provide proof that they will be financially responsible for accidents they cause. In reality, there will be drivers who have financial or other difficulties paying their premiums, resulting in no liability coverage. There are also other drivers who purchase the minimum insurance policy required which may not be enough money to pay for your damages. Uninsured or underinsured motorist protection can help you cover yourself in the event of an accident in which the at-fault driver has no insurance or inadequate insurance. This is often an overlooked but important part of car insurance.
Medical (Medpay) or Personal Injury Protection

Medical protection, also known as medpay, is coverage for medical care caused by injuries to you or your passengers after a car accident. You or your passengers can make a claim to pay you medical bills resulting from an accident, even if it is not your fault. Depending on what state you are in, you may be required to have medpay coverage. Medpay is sold with a maximum payment or reimbursement at a fixed amount for each passenger covered by your medpay.

Personal injury protection, also known as PIP, is similar to medpay but operate very differently depending on the state you are in. In some states, usually states with no fault coverage, PIP is mandatory. PIP generally covers medical care but also may cover lost wages up to a specified amount. But in some states, if you make a claim against PIP insurance, you may be waiving your right to recover against the liability portion of the car insurance.

When you are choosing a coverage amount for either medpay or PIP, get informed as to your state requirements and options available. With the cost of healthcare always increasing, this is a coverage you should consider.
Rental Reimbursement

This is a separate car insurance coverage that pays for renting a car when your car is inoperable due to a car accident. This coverage will specify the daily allowances or limits for car rentals which can vary by each insurance company or state.
Gap Insurance

Gap insurance is the insurance to cover the difference between the cost to repair your car and the amount you owe on your car, also known as the “gap”. If you have a loan or lease, you may want to consider gap insurance. If your car is “totaled”, this insurance will help you pay off what you owe on your loan/lease. Generally, this type of insurance is sold at the time you are financing your can loan or lease. Some lenders may require you to have it to be eligible for a car loan.
 New-car Replacement Insurance

The coverage provides coverage for a new model year car replacement if your new or newer car is totaled in an accident. Most car insurance companies offer you new-car replacement insurance within a year of purchasing a new car and if the car is in its first 15,000 miles.    With new-car replacement insurance, your insurance company will pay you for the current value of an equivalent new vehicle.  This is different from gap insurance in that gap insurance only covered the difference between the value of your car at the time of the accident (without damage) and the amount of your loan.  This coverage is only available for new or newer cars, depending on the car insurance company and if your state permits this kind of coverage.

You may also be required to have collision and comprehensive coverage while you have new-car replacement insurance.  Insurance companies generally offer such coverage for a limited period of time – generally within the first two years of ownership of your new car.  If you are interested in this coverage, be sure to understand how long you have this coverage and what happens to your coverage at the end of that period.  Some insurance companies will convert your new-car replacement coverage into gap insurance at the end of their new-car replacement policies

Compare Auto Insurance Quotes – Save Hundreds of Dollars

If you go through your existing policy, you may find that it includes some types of coverage that you don’t really need. Other types of coverage that are relevant to your needs may have been left out. For example, if you have a high net worth and are exposed to significant risks, you may need additional liability coverage.

If you have a very old car, it may not be worthwhile to keep paying for collision and / or comprehensive coverage. You will have to pay a very high premium and will get a very small claim if your car is totaled in an accident.

If you keep renewing your policy blindly without considering your needs and shopping around, you may be paying too much for the wrong type of coverage. You can make significant savings by knowing about the different types of discounts for which you are eligible.

Shop around for the best offers

Once you have decided on the type of coverage you need, shop around and compare estimates from a few insurers. Request them to provide a car insurance quote for the same type of insurance. This will make it much easier for you to compare the quotes.

Your present insurer may be asking for a higher premium because of an outdated credit report or a minor accident that took place many years ago. If you shop around, you may find that other insurers are willing to offer much lower rates. This can help you to make major savings on your annual premium. Being loyal to your present insurer may prove to be very costly in this case.

Check the reputation of the insurers

While it is important to find the best deals, you also need to consider the track record of the insurers before you sign up. You can find a lot of information via the Internet. Go through online reviews to check the customer ratings of the service providers. If you find that there are a lot of complaints against an insurer, it may be best to look elsewhere. Get free, no-obligation automobile insurance quotes from the leading insurers now.

Car Insurance Comparison

Looking for an easy way to do a car insurance comparison? Well, you have come to the right place at CarInsuranceComparison.com because let’s face it; choosing car insurance can be a chore.

Unfortunately, since car insurance is required by law in almost every state and not having car insurance can really create more trouble than you need, it is very important to make a thorough car insurance comparison before buying car insurance.

It is important to know why you need to do a thorough auto insurance comparison, what you should be comparing, and how to evaluate your results to make the best selection. Read on to learn all about how to find the best car insurance rates, but if you just want to hop right to it and compare car insurance quotes online ASAP then there is no need to wait - just enter your zip code in on the top of this page for a free comparison of car insurance quotes from top car insurance companies!
Why You Need a Thorough Car Insurance Comparison

Most of us make the mistake of thinking that car insurance policies are pretty much the same; that all we need to do is pick the policy with the best price and we are good to go. Nothing could be further from the truth.

While finding cheap car insurance is important (and we will tell you exactly how to do just that), each car insurance company (and there are a bunch of them out there) has many different policy types, each one has different levels of coverage, coverage options, incentives and discounts. Take a few moments and do an online car insurance policy comparison with a few of the best car insurance providers side by side and you will see exactly why this is so important.

Also, the cost associated with each of these different policies can vary greatly depending on the company you choose and the policy type, the coverage amount, and any other of a dozen different options you might select. Check out our auto insurance comparison chart and then just enter your zip above for a free online car insurance quote comparison.

To make it even more interesting, consider that different models of cars have different car insurance rates. If you want to compare car insurance rates for different cars before buying a car then you are already way ahead of the curve. You can get a free car insurance cost comparison if you just enter your zip in above.

(What did you say? We are the best car insurance comparison site? You make us blush!... In all seriousness, you may get sick of hearing the often simplistic sounding advice from us to "compare free car insurance quotes online by just entering in your zip code" or to "do your homework and do an online insurance comparison of rates from all of the best car insurance companies" but hey, if a few minutes comparing quotes online ends up saving you $250 or more then it all works out quite nicely, doesn't it?)
What You Need to Consider in Your Car Insurance Comparison

The key issues you need to prioritize include the level of insurance coverage you need, the amount of money you can afford to pay for your car insurance, and the type of insurance company you want to do business with. When you consider the level of insurance coverage you need you will need to do an honest evaluation of: your driving habits, your driving environment, and the type of situation you will be able to accommodate if you are ever need to file a claim. Getting a car insurance companies comparison online is simple with our free tool but keeping your head in the game and weighing all of your options is important to really save the big bucks and find an affordable car insurance policy.

Yes, it does matter how, when, and where you drive. Since insurance companies will evaluate these factors, you should as well. Be honest with yourself. If you regularly drive past the speed limit, if your daily drive includes major interstates and thoroughfares, or if your commute is an hour each way through any of the most populated cities in America then you might want to consider a higher level of coverage because you are in a higher risk category.

What that means is that your driving behavior, either good or bad will affect your chances of being classified as a high or low insurance risk. This is important because if you realize your driving risk category, you can make a more informed decision on whether you need basic coverage or a policy that includes every option known to man. Some companies even offer accident forgiveness policies if you are usually a good driver, but realize that even a good drive can have an accident.

You will also need to consider your driving environment. This includes more than just the area you drive through each day. You need to consider if you will be parking your vehicle on the street or if it will be locked in a garage, if you will be parking in any high crime areas or areas known for a high volume of vehicle accidents, or if the car you drive is a vehicle is commonly targeted for theft. Other considerations like if you have an alarm system or Lojack device installed can make a difference when deciding if you want coverage for theft of the vehicle. Installation of anti-theft devices will most likely lower your rates.

One of the biggest considerations you can make is to analyze how much cost can you bear when choosing any particular policy. How much you can afford can greatly affect how much coverage you can obtain as well as what type of company you can purchase from. There are companies that will offer you basic liability coverage for a very small monthly payment, there are companies that offer platinum level coverage options for payments that might make some executives flinch. You’ll need to find out where you fall between these two extremes; just remember that you often get what you pay for.

Also, when you start gathering price information for different policies and car insurance companies, you need to ask about any and all discounts, incentives, or promotions each company might have to save you money on your policy. Surprisingly, a high coverage/high dollar policy can become affordable after deducting all possible discounts, adding all available incentives, and taking advantage of any promotions offered.

Finally, you will need to think about the type of service and stability you want from the insurance company you will be doing business with. Despite the fact that insurance is one of the few products consumers purchase yet never want to use, it is almost inevitable that in all of your driving experiences you will need to file a claim at some point. When you do, you want to know that the insurance company you have been paying premiums to is still around to service that claim.

In addition, when they do service the claim you file, will they treat you as a valued customer, or an expense that needs to be settled? You will want to know what type of service history the company enjoys, is this the type of company you could recommend to your Mom or best friend? If so, there is a good chance it could be the company for you.
Evaluating Your Car Insurance Comparison Data

Once you have decided what coverage you want, how much you want to pay, and what type of company you want to service your insurance needs, you will need to gather data on the different companies that fit the bill. Our comparison tool above is one great resource. Just a few clicks and you will have side-by-side comparison information ready for you to evaluate.

Once you are here, decide on your priorities. You can rank price, coverage, and service/brand stability from one to three. Use this weighted list to narrow down the field to one or two really good choices. When your short list of car insurance companies is finished, no matter which option you select, you can be assured that your needs and wants will be met.

One final note; car insurance companies change rates regularly and often give considerable incentives to win new business from other companies. So, once you have have your short list of preferred insurance companies, don’t be afraid to go back and re-shop your options. You can sometimes save a bundle by just going back to your current insurance company to re-shop your rate and policy about every six months or so.
Get Free Car Insurance Quote Comparisons!

One thing is certain, we all need car insurance. If you have to have it, doesn’t it make sense to get to policy you really need, at the price you can really afford, and with a company you feel you can truly count on? Shopping car insurance may be a chore, but as important as being insured is, you will definitely want to take the time to do it right. Spend just a few quick minutes to enter your zip code into the box above and get started with your free car insurance quote comparison today!