Tag Archives for " auto insurance quotes "

When You are Comparing Auto Insurance Quotes

Shopping around for auto insurance is the best way to make sure you are getting the best deal.  But not every agent or insurance company quotes in the same way.

It’s important 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 lower coverage or higher deductibles and might not be such a great deal after all.  Learn how to compare auto insurance quotes for a truly good 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 that are listed on the quote, such as roadside assistance.  Make sure that all of the quotes you compare list exactly the same coverage, for accurate comparison.

Is The Policy Term The Same?

Some rates look absolutely 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 to make monthly payments on your policy, be sure to ask for the monthly premium.  It isn’t necessarily as simple as dividing a yearly premium by twelve.  Many insurance companies charge fees for the privilege of paying your premium on a monthly basis, which can make the total yearly 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, make sure 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 discounts you do qualify for, with each company, to help determine who is offering the best discounts.  Be on the lookout for discounts that don’t actually 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 of the coverage included in the quote and apply only those discounts for which you truly qualify.  An inaccurately low rate in the quote won’t do you much good if it changes once you accept the policy.

Understanding the Price of Auto Insurance

Once you understand the various portions of coverage that are available through an auto insurance policy, it is time to take a look at 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 that the auto insurance companies take into consideration. The first factor they look at is what kind of vehicle you drive – obviously, sports cars run higher with insurance than family sedans, and there are other cars that are known to have higher theft rates. Another factor is where you live – if it is an area that is more urban or that has higher vandalism rates, your insurance will be higher. Those who have longer commutes or who drive often have higher insurance, and also your own 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 also not prone to problems. Also, see what incentives your insurance company has to offer – many will have good student discounts for high school and college kids, or discounts if you are insuring more than one car or if you have an accident-free driving record. Consider ways that you can cut down on your driving if the commute to your job is a factor in higher insurance rates – possibly taking public transportation or setting up a carpool. The foremost way to insure better insurance rates, though, is to drive carefully!

Besides checking what your payments are going to be for a new auto insurance policy, make sure to check out the deductible as well. Deductibles can vary by state and also by the size of the accident. For example, if you are in an accident and there is $2,000 worth of damage, you may be expected to pay $500 and the insurance company will take care for 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 always been a hot bed for years but Tampa and then Orlando are trying to catch up. I mean they just changed the name of the Ford Ampitheater to 1-800-ASK-GARY.

It is important if you are in Florida right now to keep your insurance in place even in situations were you don’t have a car. If you are in an accident, take pictures, write down 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, keep in mind a lot of the advertisements that you see are for companies that sell and share your information. We promise never to share your information with no one else unless advised by you.

There are hundreds of these companies out there and they sell them to agencies like myself that pay 5 to 20 dollars for one shared lead, which are suppose to be sold out to know more than 5 times. If you get to a local company such as ourselves we just quote you through our 7 companies in house with in minutes.

Experience the difference at Lock Insurance.

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