You can find everything online these days, even car insurance. Here I’ll show you how to get discount auto insurance from top-rated companies quickly and easily.

Get Online Quotes

The only way to get the cheapest discount auto insurance is to comparison shop, and the easiest way to do that is to shop online.

All the top companies – American Family, State Farm, Allstate – maintain websites where you can get online quotes. But it can take all day going from site to site, filling out forms and talking to agents, in search of discount auto insurance.

Now, there’s a better way. There are comparison auto insurance websites that have A-rated companies all under one roof. All you need to do is spend a few minutes filling out a simple online questionnaire and you’ll receive a number of quotes from those companies.

Believe me, there’s no better way to find cheap auto insurance. It’s fast, it’s easy, and it’s free!

Get Maximum Discounts

Part of the form-filling process is to include the discounts you want so you can get your car insurance at the best possible price. Some of the discounts you may want to consider are:

* Combining your auto insurance with your homeowners insurance: 10% – 15% discount.

* Raising your deductible to $500 or $1,000: 10% – 50% discount.

* Insuring both your cars with the same company: 10% – 15% discount.

* Dropping your collision coverage if you drive an older car: 15% – 30% discount.

Bottom Line

A few minutes spent searching for discount auto insurance online can save you $300 to $500 or more on your car insurance premium. Why not give it a try and see how much you can save.

Visit http://www.LowerRateQuotes.com or click on the following link to receive free car insurance quotes from AAA-rated companies and get discount auto insurance rates. You can get more insurance tips by checking out their “Articles” section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get discount auto insurance.

There are exciting things on the horizon for Oregon auto insurance purchasers, things like Pay-As-You-Drive (PAYD) Auto Insurance which charges insurance premiums by the mile, potentially saving low-mileage drivers a fortune in insurance costs, but until such time as a PAYD plan is fully implemented, Oregon drivers will have to compare auto insurance rates just like everyone else in order to find the best deal.

In Oregon there are three classifications into which a driver can be placed by an insurance company. Preferred drivers have not had an accident or made a claim in the past three years; they get the best rates. Standard drivers generally drive “family” cars and have a fairly clean – but not perfect – driving record; they receive the next best insurance rate. The lowest category is called Nonstandard. These are drivers with poor driving records or drivers under 25 years of age, or drivers who have been convicted of driving under the influence of alcohol or drugs; these drivers pay the highest auto insurance premiums.

Obviously if you want to save money and get discount auto insurance in Oregon you need to be in one of the top two categories.

A driver convicted of drunk driving or driving under the influence of drugs has little chance of improving his or her insurance classification for several years – however, a driver under the age of 25 can get a break on auto insurance premiums by staying in school and getting excellent grades. Such students are eligible for a Good Student Discount.

Other factors which have a direct impact on the rate you pay for auto insurance include the type of car you drive (sports car and high-performance car drivers pay the highest rate), your geographic location (city dwellers pay higher rates than those who live outside of congested cities), the number of miles you drive each day, and your past driving record. Even your credit score can influence your auto insurance rates, although Oregon law limits the impact that your credit score can have.

Today Oregon auto insurance shoppers can get online and relatively easily make comparisons between auto insurance rates offered by almost every auto insurance provider in the state. Spending an hour or two at one of the many sites offering such rate comparisons can help the average Oregon driver find the discount auto insurance that’s just right.

Anyone shopping for auto insurance wants to get the best deal. However, working out just how to do that is harder than it sounds. One option that many people choose when hoping to lower their rate is discount auto insurance. Many companies offer this kind of insurance, but not all of them are honest. Here’s some basic information to help you get the best deal on your discount auto insurance.

shopping for auto insurance

First, submit accurate information to be sure you get the right quote. There’s nothing more frustrating than thinking you know how much your auto insurance is going to cost, then finding out the quote wasn’t correct. Be sure that you mention any safety or security features that your car might have, in order to qualify for the largest number of discounts.

For example, if your car has 8 cylinders, then state that. Getting a quote on a 4 cylinder car when your car really has 6 or 8 cylinders will not cover you if you are in an accident. If you have some tickets on your driving record, you need to mention that, because they will eventually find out and it could totally void your insurance.

Once you’ve got a number of different quotes, it’s time to compare them. Read the fine print carefully, looking for differences in coverage, special limitations, and other non-price related factors that can set one company apart from the rest. Beware of deals that seem too good to be true. The insurance company may not pay out in the end.

Be sure that the coverage on plans you’re comparing is the same, or roughly the same. Watch for ceilings on payments, such as a low $50,000 in personal liability, as compared to $500,000 on another policy. While you’ll want to pay the lowest amount possible per month for your discount auto insurance, you still want your coverage to be effective if your car is in an accident. You can reduce the amount you pay on insurance by raising your deductible, but be careful not to overdo that, either. You could find yourself paying a lot more out of pocket than you can afford, just by trying to save a few dollars per month.

Watch out for companies that offer suspiciously low rates, are inconsistent about what they tell you, or have poor communication. Chances are, they won’t be on your side if you need to file a claim. You’ll be better off with a mainstream company that you know has good customer service than with a discount auto insurance company that won’t be there when you need them. Beware of hard sells and promises if doesn’t seem like your insurer can make good on them.

Just because you get your insurance on the Internet doesn’t mean it’s really discount auto insurance. Sure, doing business online allows companies to pass some savings on. However, there’s no guarantee that they’ll do that. Compare a lot of different rates, and don’t just limit yourself to Internet shopping if you really want to get the best discount auto insurance you can.