Monthly Archives: October 2015

How To Compare Low Cost Automobile Insurance In West Virginia

If you’re going to drive a vehicle on any roadway in West Virginia then you’d better buy automobile insurance. The consequences of driving without automobile insurance are far too costly, both in time and money, to make the gamble worthwhile.

Rather than risk being caught driving without insurance why not explore all of the different ways of comparing low cost automobile insurance in West Virginia and getting your car insurance at a price you can actually afford to pay?

For example, if you are in the market for a car it might pay you to consult with your automobile insurance agent first. The reason is because not all cars are equal when it comes to insurance costs – some cost a lot more to insure than others. Before agreeing to purchase a car which you are not going to be able to afford to insure, why not ask your agent for a list of the least-costly cars to buy insurance for?

The way you drive your car affects how much you pay for insurance more than any other single factor. If you collect speeding tickets or any other moving violation or if you have even one conviction for DUI or DWI then you can forget about finding the lowest-priced automobile insurance for at least 3 years.

Can you park your car in a garage at night? If so let your agent know as this will save you money.

Ask your agent if your insurance company offers a discount every month if you buy and use a steering wheel locking device. Talk to your agent about other simple, low-cost anti-theft measures that you can take that will save you cash month after month on your automobile insurance.

Drive less. Many people are now using public transportation for most of their “driving” needs. If you can reduce your driving to under 500 miles per month you could qualify for a Low-Mileage Discount.

Carpooling at work can also save you money every month on your car insurance. Part of your automobile insurance premium is based on the number of miles you drive to and from work every month. If you can cut the number in half by carpooling then your agent will see to it that your insurance rates are reduced.

If you retire from work or if you stop driving back and forth in rush hour traffic for any other reason then let your agent know. Your insurance rates will drop.

Pay your premium automatically out of your checking account each month. Automatic payments save your insurance company billing costs and they pass the savings on to you.

If you have medical insurance that’s separate from your automobile insurance policy ask your agent if you could save money by canceling or reducing the Personal Injury Protection portion of your policy.

Don’t pay for collision or comprehensive insurance on older cars that no longer have any Kelly Blue Book value. In fact, since your vehicle loses value every year, talk to your agent about reducing the amount of your collision and comprehensive coverage every year to correspond with the dwindling value of your vehicle.

Increasing your deductible will immediately lower the cost of your automobile insurance. Of course, increasing your deductible also obligates you to pay more cash out of your own pocket or purse should you have a claim, so don’t agree to pay more than you can actually afford.

Do not make a lot of small claims. The longer you can go without filing a claim the better your rates will be.

The last thing you want to do is to find 3 different websites that will let you compare low cost automobile insurance in West Virginia. Don’t rely on just one of these websites, as you won’t see the prices from every car insurance company operating in West Virginia.

If you’re serious about saving money then take the extra time and make your comparisons on a minimum of 3 different websites. Also be certain you use the information you have learned in this article and fill out all three forms in exactly the same way. Only by filling out the forms with the exact same information each time will you be comparing the same insurance policy across all three websites and saving the most money.

Once you have made your three comparisons then all that’s left is to review your results and choose the least expensive automobile insurance policy. And that’s how you compare low cost automobile insurance in West Virginia and find the best policy for you at the very best price.

How To Compare Low Cost Automobile Insurance In Washington

If you live in Washington State you’ve likely heard of the 25/50/10 coverage. This is reflective of the minimum amount of liability coverage you are mandated to have under state law. Most individuals see the value in having more but it comes at a cost. Finding the best insurance at the lowest price possible is the primary goal of any motorist.

Some tips that may prove fruitful when it comes to comparing insurance policies are:

If a company gives you a quote that is well below any else, do some research. It’s important to check to ensure that the agent and the auto insurance company are licensed to do business in the State of Washington. You don’t want to get involved with a company that is operating illegitimately.

Stick to your guns when asking for quotes. Many agents are very persuasive and will try and convince you that you need additional coverage. Ask for a quote for a specific amount of coverage from each agent and don’t be swayed.

Ask about the accident procedure. Some insurance companies that offer low rates don’t offer the much needed support required after an accident. This can be a highly traumatic time for the policy holder, so you’ll want an agent who will be there for you.

Inquire about having your policy renewed yearly as opposed to every six months. This can help by locking in a lower rate for a longer period of time.

Even though price is almost always the bottom line, the service provided comes a close second when it comes to automobile insurance. When asking for quotes take note of how the agent pays attention to your questions and requests. This can often be a good indicator of the type of service you’ll receive in the future.

How To Compare Low Cost Automobile Insurance In South Carolina

If you drive a vehicle on any public roadway in South Carolina you simply must buy automobile insurance. South Carolina has a system set up with the insurance companies so that it is informed the minute an insurance policy is canceled or lapses – and if that policy isn’t replaced within 20 days the penalties for the registered owner of that vehicle can be severe.

A much better way to beat the high cost of automobile insurance here in South Carolina is to find safe and legal ways to lower your monthly premium – and once we’ve done that, to get online and compare the price of your “super-low-priced-policy” on several of the automobile insurance price comparison websites.

But before we start making “comparisons” online, let’s try to create a low-priced policy that we can compare in order to really save some serious money.

Let’s start with you. Did you know that the way you drive affects the price you pay for your insurance more than any other single factor? If you have speeding tickets or any moving violations on your driving record you simply are not going to get the lowest cost automobile insurance available in South Carolina.

If you have a DUI or a DWI on your record then you can kiss any chance for low cost automobile insurance good-bye for at least 3 years. Possibly longer.

Keeping your car in a garage at night will save you money on your automobile insurance every month.

Find ways to drive less. Many people are now using public transportation as their “second car” and leaving their vehicle parked as much as possible. If you can reduce your driving to below 500 miles per month you may be in for a rather nice Low Mileage Discount.

If you are married sign the wife up as the primary driver and the husband as the secondary driver. Women pay less for automobile insurance and this trick will save both of you money.

Don’t bother your insurance company with small, unimportant claims. Save your insurance for major claims. The longer you go without filing a claim the less your insurance will cost you. Some companies begin handing out bonuses after only six months of accident-free driving – other companies may make you wait a year, but not filing claims often can save you money.

Pay your premiums automatically from your bank account. Automatic payments save you money month after month.

Driver’s under 25 can save at least 5% a month simply by remaining in school and maintaining a “B” grade average or better.

Drivers over 55 may get a 10% break on their insurance rates by passing a special driver’s refresher course. Not all companies make this discount available so ask your agent if you can qualify.

See if your place of employment or any clubs or organizations or groups that you belong to offer group car insurance. Group rates are almost always a savings over individual rates.

Often adding an anti-theft device as simple as a steering wheel lock or an electronic device that shuts off your fuel pump until it receives a hidden command can save you big bucks each month on your car insurance. Ask your agent.

Carpool to work. Driving your car back and forth to work less often will reduce your auto insurance rates. If you stop working and are no longer making the trip back and forth to work at all, be sure to let your agent know as this will lower your monthly premium.

Can you afford to increase your deductible? Don’t promise to pay more than you can afford, but the higher your deductible the lower your monthly automobile insurance payment.

Finally, take what you’ve learned in this article and fill out the form on a minimum of 3 websites that make price comparisons of automobile insurance policies from different companies. The trick is to put the exact same information on the form on all three comparison websites so that you are comparing the same insurance policy on all sites.

Then simply choose the lowest price from among all of the insurance companies operating in the state of South Carolina and you’ll have found the best deal possible on automobile insurance. It’s that simple.

How To Compare Low Cost Automobile Insurance In Missouri

I imagine that very few drivers in Missouri actually look forward to paying their monthly automobile insurance premium, yet the vast majority do. Why? For one reason, driving a non-farm vehicle on any public road in Missouri without insurance is illegal and the penalties if you are caught are so severe as to make the risk unacceptable.

The question then becomes: How do you afford to pay the premium each month in order to have the necessary insurance?

Ultimately the answer is to compare low cost automobile insurance plans until you find one that’s right for you and that you can afford. But before you begin making comparisons it only makes sense to do your homework so you know what all of your options are.

For example, keeping your driving record clean will keep the cost of your insurance low. In other words, do not speed or drive drunk or impaired. Any behavior behind the wheel which reflects negatively on your ability to operate your vehicle safely at all times is going to raise your monthly premium.

Combining insurance policies under the umbrella of the same insurance company can also reduce your premiums. In other words, if you have a health insurance policy or a homeowner’s policy, then buying your car insurance from the same company can reduce your premiums through a program most insurance companies have known as a multi-policy discount.

Young drivers and very old drivers get hit the hardest with automobile insurance premiums due to that fact that those two segments of the driving public tend to have the largest number of accidents. If you’re in school, stay there. Work hard and get good grades. Students who have a “B” average qualify for a Good Student Discount from most insurance companies.

Older drivers, 55 and over, who successfully pass a driver’s refresher course can save up to 10% on their monthly premiums ask your insurance agent if your insurance company sponsors such a program.

Take a good hard look at the types of coverage you are paying for and question each one of them. Missouri law stipulates minimum coverages and if your vehicle is being financed then your financial institution may require that you pay for additional coverage, but if you drive an older car you might consider dropping comprehensive coverage for example as a cost-cutting option.

Finally, decide on the largest deductible you feel comfortable paying. Your deductible is the amount that you will pay from your own wallet any time there is a claim. The larger the deductible that you are willing to pay, then the lower your monthly premium is going to be.

O.K. Now it’s time to get online and start making comparisons. There are literally dozens of websites that encourage you to compare policy features and prices at a number of different automobile insurance companies. Keep in mind that none of the websites offering this service compares every insurance company in Missouri, so if you really and truly want to compare low cost automobile insurance in Missouri you are going to have to take the extra time to make comparisons on more than one website.

Even though it does take a little effort, the internet makes possible something that wasn’t even an option just a few short years ago: to compare low cost automobile insurance in Missouri and feel confident that at the end of the day you have found the best policy for you at the best price around.

How To Compare Low Cost Automobile Insurance In Massachusetts

It’s the law: if you are going to drive a motorized vehicle on Massachusetts state roads you must buy automobile insurance. Failure to buy automobile insurance can result in stiff fines and penalties and the possible confiscation of your driver’s license and the impounding of your automobile.

Who wants to risk going through all that when there are several simple things you can do which can lower your cost of automobile insurance and allow you to compare low cost automobile insurance in Massachusetts and save even more?

So what can you do? Several things. Even if only one of the following suggestions applies to you, your savings over the course of a year could add up to hundreds of dollars.

Keep your car in a garage at night.

Have your monthly payments made automatically from your checking account. This saves your insurance company time and money and they pass a small savings on to you.

Carpool. If you drive back and forth to work everyday a good portion of your monthly automobile insurance premium covers the time you spend in heavy rush-hour traffic. If you carpool and cut the number of days you commute each month your automobile insurance premium will also be cut.

If you completely stop working for any reason let your agent know as this could drastically reduce your insurance premium.

Cut way back on your driving. Use public transportation whenever possible. If you can reduce your driving to under 500 miles per month many companies will give you a rather substantial Low Mileage Discount.

Ask your agent if there is a discount on your premium if you buy (and use) a steering wheel locking device or if you install an inexpensive device that disables your fuel pump unless you press a secret button every time you start your car.

Drivers under 25 can save quite a bit if they just stay in school and keep their grades up. A 3.0 grade point average will earn young drivers a Good Student Discount.

Drivers over 55 may be able to shave a respectable 10% off their monthly premium if they pass a special driver’s refresher course that some insurance companies offer. See if your company offers this discount.

Some cars cost a lot more to insure than others. If you are planning on getting a new car talk to your agent first about the cost of insuring the make and model you have your eye on. Better yet, ask your agent for a list of vehicles which cost the least to insure and make your choice from among those.

Can you afford to increase your deductible? Increasing your deductible is a sure-fire way of lowering your monthly premium payment, but don’t promise to pay more than you can actually afford – remember, if you ever have a claim you’ll have to come up with your deductible in cash before your vehicle will be repaired.

Lastly, find at least 3 websites that permit you to compare the cost of automobile insurance between different insurance companies. Using the information you have gathered from this article fill out the forms on at least 3 different websites, being careful to put the exact same information onto all three websites. In this way you make certain that you are comparing the same automobile insurance policy all 3 times.

From here it’s easy. Review all of the prices your comparisons provided you and simply choose the best price. That’s really all you need to do in order to compare low cost automobile insurance in Massachusetts and walk away the financial winner!

How To Compare Low Cost Automobile Insurance In Florida

Obviously the best way to compare low cost automobile insurance in Florida is through several of the online websites that have been specifically designed to compare policies and prices among various insurance companies.

Before you jump online however you would be well advised to take a few minutes to construct an automobile insurance policy that is specifically structured to save you as much money as possible right from the beginning – then whatever further savings you realize through online comparisons is icing on the cake!

Fortunately there are a lot of things that most drivers in Florida can do that will keep the cost of their automobile insurance low enough that they can actually afford to put gas in their cars and drive them.

If you’re in the market for a new car, for example, you would be well advised to talk to your auto insurance agent before you set your heart on a particular make and model. The reason being that some new cars cost a lot more to insure than others, and knowing which is which ahead of time can save you a lot of financial grief down the road.

One of the biggest determining factors for how much your automobile insurance is going to cost is your own driving record. Even one speeding ticket or other moving violation can cause your insurance rates to start climbing, and a conviction for DUI (Driving Under the Influence) or for DWI (Driving While Intoxicated) can send your premiums through the roof.

If you receive a second conviction for DUI or DWI you will be forced to try to find insurance coverage in a special high-risk insurance pool, at prices you simply won’t believe.

And don’t try to drive without insurance in Florida because the state has a special computer network that is notified within minutes of the time any insurance policy is cancelled for any reason – and if the policy isn’t replaced right away the state will cancel your car’s registration, making it a crime to drive that vehicle.

If you’re under 25 years of age you will automatically be placed in a high-risk insurance category and you’ll pay higher rates for your insurance. If you can stay on your parents’ policy you may be able to save money and you can also shave at least 5% off your monthly premium by remaining in school and maintaining at least a “B” grade average so you qualify for a Good Student Discount.

If you have other insurance policies with the same company – such as health insurance or homeowner’s insurance or life insurance – then you should qualify for a Multi-Policy Discount.

If you can keep your car in a garage at night you can also save on your monthly premium.

If you have had an insurance policy with the same company for the past 5 years you probably qualify for a Long-Term- Policy Discount.

If you drive less than 500 miles each month you should ask your agent about a Low-Mileage Discount.

Make it a habit to simply ask your agent point-blank at least twice each year if there are any unadvertised discounts that you could conceivably qualify for. You would be amazed at the strange discounts that insurance companies come up with and then never mention to anyone.

If you’re over 55 you may have noticed your premiums creeping up. You can stop the creep and cut about 10% from your monthly bill if you take – and pass – a special driver’s refresher course. Not all insurance companies offer this option so check with your agent.

Do you drive a clunker, a car that has little or possibly no Kelly Blue Book value? If you do you’re wasting your money if you’re paying for collision or comprehensive insurance on it, since your company will never pay you more than the Blue Book value if it is damaged or totaled.

How big is your deductible? The larger your deductible the lower your monthly premium is going to be, but be careful in setting your deduction as you will have to come up with this money in cash out of your own pocket if you ever have a claim.

O.K., now take the hints you’ve learned in this article and put as many of them as possible into a dream policy. The next step is to get online and find at least 3 different websites that allow you to quickly compare policies and go ahead and compare the cost of your dream policy at different insurance agencies.

Don’t fall into the trap of believing that you only need to make comparisons on just one website. None of the websites compare all of the automobile insurance companies operating in Florida, so take the extra time and compare your dream policy on at least 3 different websites.

Now you’re ready to grab the lowest price you’ve found, knowing that you’ve done everything possible to compare low cost automobile insurance in Florida and that you have definitely found the best deal you possibly can.

Congratulations!

How To Compare Low Cost Automobile Insurance In Connecticut

Connecticut residents should be aware of certain variables when comparing low cost automobile insurance. Although all insurance companies have certain rules and regulations to follow, they are afforded some flexibility in underwriting. Here are a few things you should be aware of:

1.Young Drivers: Some companies prefer not to insure young drivers and that preference will translate into higher premium dollars. Let’s face it, they will charge a little more to do things they don’t want to do.

2.Accidents: If you have too many accidents, you might be forced to place your auto coverage through the Connecticut Automobile Assigned Risk Plan. The state of Connecticut established the Assigned Risk plan to enable policyholders who have been denied insurance (within the past 60 days) an opportunity to get insurance. The coverage, as you might have guessed, is not cheap. This is the place where the uninsurable go as a last ditch effort.

3.Credit This is not a mandatory underwriting requirement, however, many Connecticut insurance companies do use credit information when underwriting a policy. If they do, however, they must notify you. If you know you have bad credit, you might want to select a company that does not use this in their premium formulation as poor credit translates into higher rates.

5.Ask for discounts: Speak to the insurance agent to find out what discounts you may qualify for. Did you know that if your high school student maintains a B or better average in school qualifies for a premium discount? Your agent knows of the various discounts available, make sure you do too.

6.Shop on line. By shopping on line and going directly to the insurance company, there is a chance you may bypass the insurance agent. By doing so, your premium calculations should be a bit lower as the agent’s commission will not be built into the premiums bottom line.

How To Compare Low Cost Automobile Insurance In Colorado

Colorado has some of the highest auto insurance rates in the nation so it is vital for most Colorado drivers to comparison shop for the lowest cost auto insurance they can find.

Unfortunately no one low cost automobile insurance policy is right for all Colorado drivers; however, there are a few things to look for when comparing rates.

Your age is a factor in determining your auto insurance rates. Obviously there’s nothing you can do to alter your age, but if you are a young driver and still in school getting good grades translates into lower insurance premiums from several companies. And obviously keeping a good, clean driving record also helps keep your rates down.

Tickets, especially for speeding or other moving violations count against you and can significantly increase your rates. Making frequent claims will also impact your rates in a negative manner.

If you are an older driver your rates may also be increased simply due to the fact that older drivers as a group are considered a greater insurance risk than middle-aged drivers. Taking an approved refresher driver’s training course can help bring those rates back down. Senior organizations, such as AARP may have additional ideas for ways to keep your rates from skyrocketing.

If you drive a sports or muscle car, or an extremely pricey automobile you can count on paying higher rates. Consider trading in for a more sedate model if you’re having trouble affording your current premiums.

For many people the easiest change to make in their auto policy is the deductible they are willing to pay. A deductible is the amount that you agree to pay out of your own pocket for the repair of your car whenever there is a claim. In this way the insurance company pays less for the repair and the insured has an incentive not to make small or frivolous claims.

In virtually all cases, the larger your deductible the lower your monthly premium payments.

If your car is being financed then the company financing your car will require that you carry full insurance coverage on your car. However, if you own an older car that is paid for, you can also cancel what is called the Comprehensive portion of your insurance and merely keep the Collision portion of your policy, which is required by state law in Colorado.

Comprehensive insurance pays for the repair of your vehicle in case of an accident. If your car is old or has little remaining value you can save money by canceling the comprehensive portion of your policy and paying for your own repairs out of your own pocket if you are in an accident.

There are several sites online which allow you to enter all or most of the above information into a simple form which will then print out an easy-to-read side-by-side comparison of the rates currently being offered by different insurance companies here in Colorado. If you have access to the internet getting such a comparison can save you hundreds in extreme cases even a thousand dollars or more each and every year in auto insurance premiums.

How To Compare Low Cost Automobile Insurance In Arizona

The internet is an automobile insurance shoppers friend. When you are comparing insurance rates for your automobile, first take a stop over at the Arizona department of insurance website. Take a look to see what insurers are licensed to do business in the state.

After you’ve found the insurance companies you wish to compare, check to see if they have a website that will allow you to insert your information to obtain a preliminary quote. Be alert, however, that it might be better to talk to an agent directly because you will be sending sensitive information over the internet and you don’t want it to fall into the wrong hands.

Before you provide the information to the various insurance companies, make sure you know what they are receiving; in other words, no surprises. If you give the insurers permission to view your losses for the past 5 years (even though you might not have remembered several of the claims), make sure a copy is sent to you.

Arizona insurance companies have access to a database of loss information through companies like Choice Point, Inc.

This is a great tool for the insurance company, but sometimes the information contained in these reports have errors. You want a copy of the loss runs to verify that you are not being inadvertently charged for losses that are not yours.

Be aware of your driving record. Check to see if the speeding ticket you thought you received 7 years ago, only to find out it was only 3 years ago and is still affecting your premiums.

Thirdly, be aware of what’s on your credit report because insurance companies now view your credit and use that in compiling their rate.

Once you’ve cleaned up these behind the scene underwriting information, you’re ready to go. The rest is easy. Armed with this and the vehicle information you’re ready to approach several insurance companies to see which will give you the best insurance rate.

How To Compare Low Cost Automobile Insurance In Alabama

Everyone who drives a vehicle on any public street or road in Alabama must have automobile insurance. That means a lot of people want to compare low cost automobile insurance in Alabama in order to get the best deal possible – and the purpose of this article is to give you some ideas for things you can do or include on an insurance application that will help you to get the lowest rate possible for the insurance you need.

The type of car you drive will affect how much you pay for insurance. If you’re in the market for a car you need to be aware that some cars cost a lot more to insure than others. If you’re serious about saving money on your automobile insurance then it may pay you to get a list of the least-costly-vehicles-to-insure from your agent before you set your heart on any one particular make and model.

The way your drive can affect how much you pay for insurance more than any other single factor. If you speed or if you get any type of moving violation then you are going to pay more for your automobile insurance. Period.

And if you are convicted of Driving Under the Influence (DUI) or if you are convicted of Driving While Intoxicated (DWI) then your automobile insurance rates will fly through the roof and remain there for a minimum of 3 years.

Can you put your car in a garage at night? If so, let your agent know as this could save you money every month.

If you are insuring more than one vehicle make sure you insure all of them with the same company so you get a Multi-Policy Discount on each one.

Don’t make small, inconsequential claims. If you can go for even 6 months without making a claim some companies give you a discount. Other companies require you to be claim-free for 1 year and still others 3 years, but the point is, you can get a discount if you don’t make small claims.

Keep your credit record clean. Believe it or not, the better your credit score the less you’re going to pay for your automobile insurance.

If you’re 25 or under stay on your parents’ policy if they will allow it – but in any event stay in school and maintain at least a “B” average. Doing that will earn you a fat 5% Good Student Discount on your automobile insurance every single month.

Drivers who have reached their 55th birthday may be able to save as much as 10% per month on their insurance by taking – and passing – a special driver’s course that many companies now offer. Talk to your agent to see if you qualify for this discount.

Don’t keep paying for collision and comprehensive insurance on cars that are so old they no longer have any Kelly Blue Book value. If your vehicle no longer has any value your insurance company will not pay off on your collision or comprehensive even if you keep paying the premiums. Save your money.

Many people are now using public transportation whenever possible and only using their cars for emergencies and special occasions. If you can cut your monthly driving to 500 miles or less then you could be in for a rather substantial Low Mileage Discount on your automobile insurance.

Your deductible is probably the fastest and easiest way to lower your monthly payments, but keep in mind that while raising your deductible does result in a lower monthly premium payment on your automobile insurance, a higher deductible also means that you have to come up with more cash out of your own pocket or purse anytime you have a claim. Don’t promise to pay more than you can actually afford.

Now use the information in this article to go online and fill out applications on at least 3 different websites that allow you to make direct comparisons of prices for insurance from different companies. Be sure to enter the exact same information onto the form on all three websites.

Now simply choose the lowest price and you’re done! You’ve done your homework, you’ve compared low cost automobile insurance in Alabama and you’ve found the best price you can possible get. Rest easy now, knowing that you are saving money on your automobile insurance month after month!