FREE AUTO INSURANCE QUOTES SITES – WHY THEY ARE REALLY FREE

Posted on March 18, 2011 by aishu

Free Auto Insurance Quotes Sites - Why They Are Really Free

Free auto insurance quotes sites defy the saying that nothing good comes easy or free. The truth is that good things sometimes do come free and easy – at someone else’s expense, of course. This is quite true of the most important resource for those shopping for the best price/value in car insurance. Someone spent the time and money to set them up. But like everything free, what’s in it for the sponsors of such sites? Won’t their interests hurt you? Here are reasons why you should make an exception of this particular group of free resources…

First, I’ll make you realize what they stand to gain (Yes, they stand to gain something too). Here is why they give such a useful resource for free…

If you run a business you definitely know that you spend quite a lot in getting customers. This is also true if you’re an insurer. The old method was that an agent called you and tried to sell you insurance. That cost them a lot of money.

On the other hand, auto insurance quotes sites attract just the right kind of people: Folks searching for what they sell. They attract them 24/7 without phone calls and additional staff. Their details are captured instantly into a database without the need for human intervention. This makes the process of managing data easier and also ensures that only authorized persons have access to them. The cost of customer acquisition and running their insurance business therefore drops sharply.

Now that you understand why they may be giving you such a great tool for free, you may want to know what’s in it for you. Here they are…

The competition in the insurance industry is fierce. Savings like this help insurers compete better by lowering their rates. The lowest rates are online, period. It saves them much money and they pass on part of the savings to you in lower rates.

Getting five or more quotes per request is very normal especially if you obtain your quotes from free quotes sites that are owned by insurance brokers. And, all it takes is just about five minutes. You raise your chances of making considerable savings when you have many more quotes to pick from.

It’s a lot more convenient to get your quotes online from these sites. You can get and compare quotes at your own time and pace. Can you find time only by 1.00am? That’s fine. All you’ll have to do is just log on and get your quotes — So easy!

If you have ever tried to obtain your quotes directly from an agent you’ll agree that you’re less likely to get the best quotes but those that will serve the agent better. And what if the agent does not cover an insurance company, they’ll give you what they have and not what’s the best deal. Using quotes sites, you make your decision without any external pressure.

These leave you with no reason to keep wasting your hard-earned dollars on an auto policy you could pay far less for. You could easily save $200, $500, $1,000 or even much more just by getting and comparing quotes from up to five or more online sites.

TIPS TO GET HASSLE FREE CAR INSURANCE QUOTES

Posted on March 18, 2011 by aishu

Recently my daughter and I shopped for car insurance for the auto she recently purchased. We found the experience time consuming and annoying. Let our experience save you a lot of hassle. Read on to get hassle free car insurance quotes.

TIPS TO GET HASSLE FREE CAR INSURANCE QUOTES

The easiest way to get hassle free car insurance quotes is on the internet. Be sure you know details about your car; airbags, security system, make and model etc.

Ask friends and relatives for recommendations for car insurance. Then go directly to Auto Insurance company website and input your information for a direct auto insurance quote. Some to try: Geico, Progressive, StateFarm, Nationwide, Metlife, and Travelers.

Comparison of different auto rates. There are also sites online that will give you several different auto insurance quotes at one time. Input your information including details about your car to get fast, real-time quotes. One to try for hassle free car insurance quotes is comparisonmarket.com

Input the coverage you desire As you input your information, keep it the same from one company to another. If you are looking for a $500 deductible at one, use that same deductible at another so you can make accurate comparisons.

If you want hassle free car insurance quotes, do not input your real phone number or you will be bombarded with phone calls from sales agents.

Keep notes on all the auto insurance quotes you recieve. Different auto insurance companies can charge hundreds of dollars difference for the same policy so be sure to check out at least 10 companies.

The Cheapest Car Insurance Quote Online| Are They Best Option?

Posted on March 9, 2011 by aishu

When it comes to shopping for car insurance, or anything else for that matter, it’s only natural for people to want to get the best possible price. But the cheapest car insurance quote online is not always the best option. If all other things are equal then you’ll want to go for the lowest price but there are a number of things you should look for to help you determine whether that low price auto insurance quote comes from a solid and reputable company.

: Cheapest Car Insurance Quote Online

One of the most important factors when shopping for auto coverage is the financial strength of the insurance company you’re considering. If you should need to file a claim it would be nice if your insurance company had the funds available to pay those claims. If you are at fault in an accident and your insurance provider was some fly-by-night company that didn’t have any funds available you may be held personally responsible to pay for any damages.

It’s also a good idea to get other people’s opinions of a company you might be considering doing business with. There are private companies like Consumer Reports, A.M. Best Company, JD power and Associates, and others that will rate insurance companies on a number of different factors including price, coverage options, customer service, and a number of other items that should be of particular interest to someone considering doing business with a particular company.

In addition to the private companies most states will have a Department of Insurance website that will provide some good information about the various companies doing business in your state. Checking with your state’s Department of Insurance website you may be able to find out things like whether a company is in compliance with the various laws in your state and you may learn about any possible consumer complaints against the company.

Although price should not be your only concern and you should certainly do some research before doing business with any particular company, price is always a factor. If you can narrow your choices down to a number of different companies that are financially strong and have good coverage options and customer service then at that point your decision comes down to selecting the cheapest car insurance quote online.

Cheap Car Insurance For Imported Cars

Posted on March 9, 2011 by aishu

Many of us choose to import cars because retail prices nationally are so high. However, the money saved on buying a car from overseas can quickly be negated by high car insurance costs unless you are careful.

Cheap Car Insurance For Imported Car

Imported cars such as the Toyota Estima, Eunos Roadster and Mitsubishi Pajero are often deemed more of a risk to insurers because the car insurance companies are not necessarily familiar with the vehicles in question. Their parts may be more difficult to find, repair costs may be higher and they may not be well-suited to UK roads. All of this mounts up to more risk for the insurer and higher premiums for the consumer.

High car insurance costs particularly apply to grey imports. These are vehicles that have not been built to European standard and are not EU approved. As such it’s normally worth finding a car insurance quote before you buy the vehicle outright as costs can be derisory. Parallel imports – vehicles with right-hand drive that are bought outside the UK – carry less risk as they are normally built to UK standards and finding car insurance cover should be more straightforward.

So how can you find cheap car insurance for grey imports and parallel imports?

The first step is to ensure you’re getting a thorough overview of the market. Several mainstream insurers offer specialist imported car coverage so use a comparison website to compare deals. Also shop around on the web for specialist insurers that may offer unique policy options that are better suited to your vehicle type.

Make sure the modifications to the vehicle are limited. If you simply want a cheaper car from overseas then pick a right-hand drive car with no additional changes – the more modifications that are made, the higher your premiums are likely to be.

Ask a prospective car insurance provider about discounts too. Security is often seen as a crucial feature for imported cars and you may enjoy cheap car insurance if you can fit a Thatcham security device or other approved alarm or tracker system to the vehicle.

Finding an Auto Insurance Company – Top 7 Car Insurance Companies

Posted on July 11, 2010 by aishu

Finding an Auto Insurance Company - Top 7 Car Insurance Companies

When searching for a car insurance company it is important to shop around and compare many different companies. Look for a well known Auto Insurance Company with a good reputation that has great customer service and that handles claims quickly.

Here are some of the top car insurance companies in the nation and some useful facts about each one that can help you make an informed decision when shopping for a car insurance policy.

1. Progressive Auto Insurance

Progressive is one of the largest auto insurance providers in the country and they have been in the insurance industry for over 70 years.

Their website offers 24 hour a day online claims reporting and policy service and management for the convenience of their customers.

In 2008, Progressive was put in 1^st place for positive online customer experiences by The Customer Respect Group.

2. Nationwide Auto Insurance

Nationwide is another one of the largest financial service providers in the country. They have over $161 billion in assets.

Nationwide was ranked #108 on the Fortune 500 list.

Nationwide also has an online insurance claims center and a toll free number that customers can call 24/7 to file a claim.

3. GEICO Auto Insurance

GEICO is a large, well known company that has an excellent reputation for customer service.

They also offer many discounts to their customers such as an anti theft discount, college graduate discount, good student discount, military discount, driver’s education discount, defensive driving discount and many more.

A.M. Best gave GEICO an A++ rating, which is their highest rating, for financial stability. GEICO has been in business for over 70 years.

4. Travelers Auto Insurance

Travelers took the #93 spot on the Fortune 500 list. They received an A+ financial strength rating from A.M. Best.

They also offer their customers many discounts such as a multi car discount, hybrid auto discount, good student discount, and a good driver discount.

Travelers Insurance is also a very large company. They have representatives in every state, Canada, Ireland, and the U.K.

5. Allstate Auto Insurance

Allstate is another top Auto Insurance Company. They were given an A+ rating by A.M. Best for financial strength.

Allstate has many different programs that their customers can choose from. They have an Accident Forgiveness Program that keeps your car insurance rates from going up if you are in an accident and even if it is your fault. They also have a safe driving bonus. This allows you to earn a check for up to 5% of your premium for every six months that you are accident free.

Allstate offers 24/7 claims service online or by telephone.

6. Amica Auto Insurance

Amica is a mutual insurance company that was founded in 1907, making it the oldest mutual auto insurance company in the U.S. Amica does business in every state except Hawaii.

Amica received an A.M. Best rating of A++, which is their highest rating. J.D. Power and Associates has named Amica the highest in customer satisfaction for nine years in a row.

7. Liberty Mutual Auto Insurance

Liberty Mutual is a large mutual insurance company with over 900 offices around the world. Liberty Mutual went national in 1994, and now operates in more than twenty countries.

Liberty Mutual was given a score of A by A.M. Best for their financial strength.

Why Top Auto Insurance Companies Can’t Keep You Informed

Posted on July 10, 2010 by aishu

: Top Auto Insurance Companies

With the fast changing auto insurance market moving at warp speed, it’s hard for the average auto insurance agent to keep up. To also assume they can also keep their customers informed is not reality. That’s why as a consumer you have to take it upon yourself to stay up-to-date and informed by doing your own research for the best Auto Insurance Coverage, Auto Insurance Rates and Auto Insurance Companies to do business with.

With the internet it’s much easier to comparison shop, read articles, check the latest data or even have it come to you. How? By subscribing to RSS feeds or one of the many informative car insurance newsletters.

With so many polls confirming how the uninformed pay the highest premiums for Auto Insurance it should act as a warning to those seeking a lower auto insurance rate. As much as your insurance agent may want to serve your needs as their ads and brochures say, with tons of new information coming their way it’s more difficult now than ever before.

Truth be told the best insurance agents like to deal with informed consumers, they take less hand holding, they recognize good deals when they see them and they save them time and money. However, it’s the lazy and unscrupulous agents that shy away from the informed consumer for obvious reasons.

It can get even worse if you have a lazy or unscrupulous auto insurance agent, many will use your lack of information to overcharge or under insure you. This all underlies the importance of being your own insurance agent before you talk to a companies insurance agent. The auto insurance industry continues to change fast, now with the internet you can keep up with more of those changes.

Cheapest Auto Insurance – Often-Overlooked Savings Tips

Posted on July 9, 2010 by aishu

: Cheapest Auto Insurance

Are you looking for cheapest auto insurance? Here are 11 uncommon savings opportunities…

A good number of insurance carriers will give you a discount if you are part of an auto club. Even if this discount is very small it’s still something.

Have you checked with the associations you belong to if they have discounts from any insurer? Insurers give these associations group discounts in the hope that they will in that one move attract many of their members to buy an auto insurance policy with them. Even though you may not necessarily join an association because you want a group auto insurance discount, it makes sense to take advantage of it if it’s offered to any association you already belong to.

You can get a considerable discount if your child does not use the car for a considerable period because he/she is away at school. Take advantage of this if your child is in college. Just note that not all insurers offer this discount.

There are cars that cost far more to insure. So have this on your mind when you shop for your next car. Avoid any car that has a high theft rate and/or a bad crash rating.

Along these lines, vehicles that typically cost more to maintain also cost more to insure. I don’t know about you; but it does make sense to choose a comparable vehicle that is more insurance-friendly.

Joining a car pool will help you get a lower rate. Carpooling helps you reduce your mileage which is a strong factor in calculating your rate. And, the less your mileage, the better risk you are to an insurer.

Do you know if an insurer has a group discount for the company you work in? Group discounts are given by insurance companies as an incentive to members of an association to buy policies from them. That would save them on customer acquisition.

You’ll pay a lot more if you live in New York City than you would if you lived in some sparsely populated town. Rural areas get far cheaper auto insurance rates because they are less exposed to risks of vandalism, theft, collision and others that are usually associated with urban areas.

You might be able to bring down your auto insurance rate if you take time to review your policy from time to time. It’s interesting to note that a lot of people still pay for things they needed yesterday but no longer need for today. A good example is a case where a couple leave their wedded daughter on their policy for months or even a few years just because they did not remember.

There are discounts you might have qualified for. It might also no longer be in your best interest to retain certain coverage types. Therefore, don’t fail to go through your policy from time to time. You might see a few things that are no longer necessary and save as you drop them.

Make sure your auto insurance policy is never allowed to lapse for any reason..Folks who allow this to happen to them pay more expensive auto insurance rates for a long time. This happens to some individuals when they are about switching to another auto insurance company.

A simple way to be certain you do NOT make this type of mistake is to maintain your old policy until you’ve confirmed that the new policy is in full force. Many people are paying higher auto insurance rates than they should just because they made this mistake. So do take care so you don’t become one of them.

Is it possible you have a car that you’ve not used for a long while? Do you have a car that you’ve just forgotten about because of the headaches it gives you or something? Is this car still on your auto insurance policy or have you removed it?

Funny as it may seem, this is one reason some folks pay higher rates than they should. I hope this is not the case with you.

20 Tips To Cheaper Car Insurance

Posted on August 17, 2009 by aishu

Cheaper Car Insurance

1. Buy from the internet.Most Car Insurance companies offer a discount for Car Insurance online applications as this is automated process and costs them a lot less to process your application, you can usually see discounts of 5%-10%.Click here to get a instant online Car Insurance quote

2. Shop around.All Car Insurance companies use different formulas to calculate your insurance premium by adding or detracting money after each question the ask you.By shopping around you could find big savings on your Car Insurance premium.

3. Buy extra products.Most Car Insurance companies also do other insurance products ie”Building’s and content’s insurance“.Most insurance companies will give extra discounts for purchasing more than one product,by doing this you could save a fair amount on all your insurance premiums.

4. Pay your insurance premium in one go.By paying your insurance premium in full you can avoid paying costly interest charges that would be added if you paid your insurance premium by instalments.Some insurance companies may charge as much as 15% APR on instalments.You may even receive a discount for paying in full.If you can not afford to pay in full check out what rate a small loan would be you may still save some money.Fill out a online loan application.

5. Increase your voluntary excess.Your excess is the amount paid by you in the event of a claim,by increasing this your insurance company should reduce your premium.

6. Lower your annual mileage.Lowering your annual mileage can reduce your premium,most Car Insurance companies will quote you for around 12,000 miles a year.Try and work out howny mile’s you will do if it’s likely to be less you may get a discount.Be honest about this as your Car Insurance company may ask to see old MOT’S and service history to verify your mileage in the event of a accident.

7. Have a Alarm,Immobiliser or Tracker fitted.Theft of and from your vehicle play a major role in the calculation of your Car Insurance premium.Having a alarm or immobiliser fitted will give you a small discount to your premium and having a tracker fitted could make you quite a saving.

8. Take the advanced driving test.Passing your advanced driving test will show your Car Insurance company that you have extra skill when driving and are less likely to be involved in a accident.

9. Don’t inflate the value of your car.Adding extra value to your car when you apply for your Car Insurance quote will do nothing for you apart from increase you premium.In the event your car is stolen or written off you will only be paid the market value of your car at the time of your accident.

10.Look after your credit rating.Car Insurance companies are now looking at your credit score as part of the calculation for your insurance premium.Maintaining a good credit rating could avoid unnecessary additions to your premium.

11. Insure your car Third Party Only.Third party only is the minimum cover you are required to have by law it’s also the cheapest.If your vehicle is of a low value then you could consider this type of cover.You need to remember that with this type of cover if you was to have a accident that any damage to your vehicle would not be covered for repair.

12. Keep a clean licenceInsurance companies take driving convictions very seriously and can dramatically increase your car insurance premium,by maintaining a clean licence proves to the insurance you are a safe and careful driver.

13. Remove any unnecessary drivers.If you have a young driver on your Car Insurance policy that no longer use’s the vehicle you should remove them as this will reduce your premium.

14. Young driver’s add a older driver.Some Car Insurance companies will reduce young drivers premiums if they have a older named driver on the insurance.

15. Build up your no-claims discountOne of the biggest factors affecting your car insurance premium is the number of years no-claim’s discount.You could receive up to 75% discount for around 5 years of no claims.The more years you can stay claim free the safer driver your insurance company will see you as.

16. Protect your no-claims discount.Although this will increase your insurance premium if you have a lot of years of no-claims you may want to protect this as a small claim may increase your premium by up to 75%.

17. Buy a lower insurance group car.A very important factor to your insurance premium is what car you drive.Most insurance companies adopt the Association Of British Insurance Group Rating.This rates vehicle’s from 1 – 20 generally speaking the higher the group the higher the premium.By buying a car with a lower group rating can lower your premium especially for young or inexperienced drivers.

18. Join a car club.If your vehicle is a classic or specialist consider joining a club related to your car most clubs offer insurance schemes which have very good premium rates.

19. Put your spouse as a named driver.Some insurance companies offer discounts when you add a spouse as a named driver as opposed to unmarried couples,they see marriage as a sign of stability and associate stability with safe driving and there for give you a discount.

20. Take pass plus.If you are a new driver consider taking your pass plus.some Car Insurance companies could give you as much as a 25% discount and when you have just passed your test and have no no-claims this could make a considerable saving.

Discount Auto Insurance – How Can You Get Additional Savings?

Posted on March 17, 2009 by aishu

Discount Auto Insurance - How Can You Get Additional Savings?

Discount auto insurance is typically available through most car insurance companies. However, you may or may not be getting the additional savings that you qualify for. Here are some things to consider.

Auto insurance companies usually give discounts for customer actions or vehicle features that lower the risk of a claim. They also will give discounts to reward customers who buy more insurance products.

Typical discounts for customer actions include:
Taking a defensive driving course.
Completing driver training.
Maintaining good grades for students (important for teen drivers).
Being accident free for several years.
Driving less than average.
Being a certain age, as in the case of senior discounts.
Typical discounts for features on your car include:
Having anti-theft devices.
Having an anti-lock brakes system (ABS).
Having air bags.
Typical discounts for being a good customer include:
Having more than one insurance policy, such as insuring your home and auto with the same company.
Insuring more than one vehicle on the same policy.

All of these discounts may not be available where you live, or with all Auto Insurance Companies. And, some companies may offer discounts not listed here.

What you want to do is contact your current Auto Insurance Company and make sure you’re getting the discounts you deserve. Also, you should periodically get comparison Auto Insurance Quotes. It’s important to get comparison quotes because rates can vary a lot from one company to the next. You could save hundreds of dollars. Comparison quotes will also show you what kind of discounts are available.

An easy way to get quick Auto Insurance Quotes is to use a comparison site. Comparison sites gather your information from one online request form, and distribute it to several Auto Insurance Companies and agencies at once. You then get several different quotes back.

When you find the Auto Insurance Quote that saves you the most money, be sure to verify that you are getting all of the discounts you are eligible for.

Discount Auto Insurance – Many Different Ways to Get Discount Auto Insurance

Posted on March 17, 2009 by aishu

Discount Auto Insurance - Many Different Ways to Get Discount Auto Insurance

Are you trying to save money on your auto insurance? Do you want to cut your premiums and receive discount that you did not know about? There are many ways that you can get discount auto insurance and you need to know how to find the best possible rates for you. Here are some helpful tips to get you a lower auto insurance rate.

First, if you pay your insurance once a year instead of monthly you can save a couple hundred dollars. This will cut out the service fee for the monthly payments and will also cut out the risk for the auto insurance company that you might not pay for your insurance. This is a big deal for high risk drivers and those of you with bad credit.

The easiest way to pay your car insurance in full is to use your tax return or some other large sum of money that you receive yearly, like a bonus or settlement check. This will give you a little more money to work with in your budget every month as well because your insurance will already have been paid.

Second, if you have teenage drivers on your policy and they get a “b” average in high School or College, then they will qualify for a 20% discount on their insurance. You can also get a discount for your teen drivers by sending them to driving school or drivers education. This looks great to auto insurance companies and they will extend around a 20% discount for your teens.

Last, if you do have bad credit, then start working to fix your credit, drive safely, and you will get discounts on your insurance as your credit gets better. Also, if you carry your home, life, auto, and other insurances all with one carrier they will extend a discount for you as well. These are all ways to get discount auto insurance, but the best way is to stay out of trouble on the roads.

Cheap Auto Insurance Quotes|Cheap Auto Insurance Rates

Tag Archives: Cheapest Car Insurance

FREE AUTO INSURANCE QUOTES SITES – WHY THEY ARE REALLY FREE

TIPS TO GET HASSLE FREE CAR INSURANCE QUOTES

The Cheapest Car Insurance Quote Online| Are They Best Option?

Cheap Car Insurance For Imported Cars

Finding an Auto Insurance Company – Top 7 Car Insurance Companies

1. Progressive Auto Insurance

2. Nationwide Auto Insurance

3. GEICO Auto Insurance

4. Travelers Auto Insurance

5. Allstate Auto Insurance

6. Amica Auto Insurance

7. Liberty Mutual Auto Insurance

Why Top Auto Insurance Companies Can’t Keep You Informed

Cheapest Auto Insurance – Often-Overlooked Savings Tips

20 Tips To Cheaper Car Insurance

Discount Auto Insurance – How Can You Get Additional Savings?

Discount Auto Insurance – Many Different Ways to Get Discount Auto Insurance