Tag Archives for " auto insurance quotes "

When You are Comparing Auto Insurance Quotes

Shopping around for auto insurance is the best way to ensure you get the best deal.  But not every agent or insurance company quotes in the same way.

It’s essential to be sure you are comparing apples to apples when you compare auto insurance quotes to ensure that you are getting a great deal.  That low price may come with more inadequate coverage or higher deductibles and might not be such a great deal after all.  Learn how to compare auto insurance quotes for an excellent rate.

Are The Coverages The Same?

When you read over an auto insurance quote (and do read it-ask for it to be emailed or faxed to you, as mistakes can be made over the phone!), look to be sure that the numbers listed for liability limits, uninsured motorist coverage, and the comprehensive and collision deductibles match up.  Then look for additional coverages listed on the quote, such as roadside assistance.  Ensure that all of the quotes you compare list precisely in the same range for accurate comparison.

Is The Policy Term The Same?

Some rates look incredible until you realize the policy term is only six months.  Some companies offer different policy terms as well as different payment plan options.  If you plan monthly payments on your policy, ask for the monthly premium.  It isn’t necessarily as simple as dividing a yearly premium by twelve.  Many insurance companies charge fees for paying your premium every month, which can make the total annual cost of the policy higher than quoted.

Are The Discounts The Same?

An auto insurance rate may appear lower because it was quoted with a discount such as auto/home, which you may not necessarily qualify for or desire.  If you don’t plan to take out a homeowner’s policy with the same company, ensure they haven’t quoted it that way.  Also, check for other discounts; they won’t all match up, as every company offers different discount options.  The best thing to do is to compare which deals you qualify for with each company to help determine who is offering the best discounts.  Be on the lookout for discounts that don’t apply to you and will likely be removed by underwriting after you accept the policy.

A good quote will be simple, straightforward, and easy to read.  It will outline all the coverage in the quote and apply only those discounts you genuinely qualify for.  An inaccurately low rate in the selection won’t do much good if it changes once you accept the policy. www.lockinsurance.com.

Understanding the Price of Auto Insurance

Once you understand the various portions of coverage available through an auto insurance policy, it is time to consider the price. There are deductibles and premiums that you can incur when getting auto insurance, and also, sometimes, out-of-pocket costs you will still have to pay in the event of an accident, even after you have insurance.

When considering how much you will be charged for car insurance, there are a few factors the auto insurance companies think about. The first factor they look at is what kind of vehicle you drive –sports cars run higher with insurance than family sedans, and other vehicles have higher theft rates. Another factor is where you live – if it is an area that is more urban or has higher vandalism rates, your insurance will be higher. Those who have longer commutes or who drive often have higher insurance, and also your demographic statistics – such as your age, sex, marital status, and driving record – are all taken into consideration.

There are some ways to get yourself lower rates. If you are purchasing a new car, try getting one that “looks good” to the insurance companies – that is, it has a lower theft rate and is not prone to problems. Also, see what incentives your insurance company offers – many will have good student discounts for high school and college kids or discounts if you insure more than one car or have an accident-free driving record. Consider ways to reduce your driving if commuting to your job is a factor in higher insurance rates – possibly taking public transportation or setting up a carpool. The only way to ensure better insurance rates is to drive carefully!

Besides checking your payments for a new auto insurance policy, check out the deductible. Deductibles can vary by state and also by the size of the accident. For example, if you are in an accident with $2,000 worth of damage, you may be expected to pay $500, and the insurance company will take care of the rest. Choosing your deductible is an important task, as you have to consider how much you would be willing to pay in the event of an accident.

As long as you have a clear idea of what you are willing to pay and what the insurance company is looking for in you and your driving record, you will be well on your way to getting excellent auto insurance at a reasonable price.

The Rising Cost Of Auto Insurance Is Due to Insurance Fraud

Florida is number one when it comes to fraud claims. Miami has been hot for years, but Tampa and Orlando are trying to catch up. I mean, they just changed the name of the Ford Amphitheater to 1-800-ASK-GARY.

If you are in Florida right now, it is essential to keep your insurance in place, even when you don’t have a car. If you are in an accident, take pictures, and write down the names and numbers of any witnesses. If it happens on private property, the police will not show up to do a report. More information on the Blomberg report.
Don Westerfeld 8/24/2010 9:24:00 PM

How Other Sites Do Your Online Auto Insurance Quotes

When you are surfing the internet for the cheapest car insurance quotes, remember that many advertisements you see are for companies that sell and share your information. We promise never to share your information with anyone else unless you advise.

There are hundreds of these companies out there, and they sell them to agencies like mine that pay 5 to 20 dollars for one shared lead, which is supposed to be sold out to now more than five times. If you get to a local company such as ourselves, we quote you through our seven companies in-house within minutes.

Experience the difference at Lock Insurance.

Don Westerfeld 8/11/2010 10:15:00 PM