Category Archives: Auto Insurances

How to Save Money Online Getting a Car Insurance Quote

car insurance

car insurance

If you want to save money on car insurance, you can receive a quote from several companies and then compare the data you’ve collected. Most car insurance companies provide an online calculator that allows you to input information about yourself and receive an estimated quote. While these car insurance quotes are not 100% accurate, they provide data that’s fairly realistic to what you will actually pay if you signup. Below, you will learn how you can use these car insurance quotes to your advantage and save a lot of money.

  • 1 – Go to the website of the most popular car insurance companies

Car insurance quotes and rate calculators are almost always accessible on the web. By going to the website of each car insurance company that you want to compare, you can begin to fill out the tedious applications that the quotes require. Some of the biggest companies that you may want to consider include State Farm, All State, Geico, Progressive, Farmers, Liberty Mutual and Esurance. These are the top U.S. companies by market share. They should all provide some type of rate calculator and if you open up each site in a separate tab on your browser, it will be a lot easier to do the applications all at once.

  • 2 – Fill out the car insurance quote application

Filling out the application should be very straightforward. Keep in mind, they may need some information about you such as where you live, what kind of car you drive, and how old you are. This is vital information that helps them determine the rate of your insurance plan. You would be surprised what types of factors can cause your insurance plan to go up. For instance, living in a high populated area, being a young driver, or even driving a sports car are all things that cause insurance plans to cost more. These are factors that place you in a “high risk” category.

  • 3 – Compare the quotes you have received

After you get a car insurance quote, it is essential that you compare it with the quotes you have received from other companies. This is allows you to comparison shop and find a car insurance company that offers a lower price and better service. Remember that the quotes won’t be 100% accurate so if it’s only a few dollars, you shouldn’t necessarily go with the cheaper provider. Be sure to review the terms of the plan and decide on something that makes sense for your vehicle and your finances.

  • 4 – Don’t subscribe to a plan that offers more than you need

If you purchased your car used, it’s possible that you could make do with a liability only insurance plan. This provides coverage for the other driver, in case you cause an accident. However, it does not provide any coverage for your own vehicle. If you’re a safe driver and you’re confident that you won’t be the one causing any accidents, liability coverage may be all you need. It actually makes economic sense for an older vehicle that is deteriorating in value.

Author Bio: Cindy Knott is on the team at where they cover topics related to car insurance including what makes a good car policy and how to get a good car insurance quote.

Get good rates on your Auto Insurance



Are you looking for a good insurance quote for your vehicle? You need to do a thorough research and find one good and economical insurance coverage. Auto insurance varies from one vehicle to another. If you are looking for a good deal from the insurance company, you should know what the company looks for in a vehicle and in the driver.

If you are looking for an insurance quote for a sports car, it may be two door and contain a huge RPM ability. Its the name and the brand of the car that will give an idea to the agents what it should be insured for. People owning sports car have to pay the insurance premium either at a higher rate or pay the total upfront. The insurance rate for sports vehicle is a lot higher than other vehicles because of the fact that it is more prone to accidents due to its very high driving speed.

Sports car are also very expensive to fix. They come with a lot of racing parts and rims with large tires. When the car has expensive parts and features, it is quite obvious that it will cost a lot of money to fix. So the insurance company will charge higher premiums.

A truck that features all the upgrades may also be high in price. The price of fixing the truck will be a lot higher than fixing a small family car. These trucks may need certain parts to be replaced when front or rear impacts occur.

The insurance company will review the previous history, certain makes and models before setting the insurance premium of the vehicle for the following year. If the parts of the vehicles are frequently replaced in a year due to accidental claims, then the agents will raise the premium amount.

Insurance quote will also vary from a person who is new to driving than the other who has insurance cover for the past five years. New drivers will often meet with accidents in the beginning days. So they have to prove themselves to the companies and provide a clean record before they get lower insurance rates.

When insurance rates are needed, drivers may pick out their vehicle based on the cost of the insurance. The type of the vehicle and the history of the driver will effect the insurance cost. Do a thorough research on the Internet and you will find some companies that have low auto insurance rates for both new drivers and people who have sports cars. It may take some time to find the company of your choice providing great coverage. These companies can either be big brand names or could be small agencies.

Different types of auto insurances

Out of all the insurances, auto insurance is the most popular and frequently bought insurance in the US. The number of cars on the road is more than the number of people and as per some state laws, it is a must to have car insurance. Since there is such a huge demand in the insurance, it is always necessary to be informed about the various aspects of motor vehicle insurance. There are six different kinds of car insurance policies.

Bodily Injury Liability – This is an insurance policy that covers drivers of another car. If your car has met with an accident and the driver of the other car is seriously hurt, then the medical costs will be covered by bodily injury liability. It is quite beneficial for the policy holder because he does not have to worry about being sued.

The Medical Payments or Personal Injury Protection insurance coverage – This kind of insurance is similar to bodily Injury liability. The difference is that in this kind of insurance, the policy holder and associated passengers are covered in this case of an accident. They are entitled to have their medical bills, loss of wages and even death is covered.

Under Property Damage Liability car insurance policy – Under this policy, the insurance company will bear the cost of the damage of the other car after it met with an accident. The policy holder will have to bear the cost of the damages of his car from his own pocket.

The Collision Insurance policy – This is the most common and cheapest insurance available. Here the insurance company will pay for the damages or repairs on your car if it is hit by the other car. In this policy, the driver needs to pay a certain amount towards the deductible and the rest will be paid by the insurance company.

Comprehensive coverage – This is another popular policy for motor vehicle owners. Under this policy, the car is covered from a wide array of things. Your car will get the cover from fire, theft, acts of god and collision with other vehicles. The policy holders need to pay a certain amount of monthly deductible and the rest will be borne by the insurance company.

Uninsured and Undersigned Motorist Coverage – This insurance will be helpful in the event when someone with no insurance crashes into you. The insurance company will cover the costs of the damage sustained by the driver. In case of a hit and run, the policy holder will be insured.

In analyzing each policy we get to see what each one has to offer. In doing so it allows the potential purchaser of insurance to have the best information available for making the choice on their auto.