Auto Insurance Rates – Get Free Auto Insurance Quotes Online
There are three basic ways of getting an affordable car insurance quote. These are to buy the least expensive to repair car that you can, to take all the options that you can that would normally reduce your premium, and finally to compare quotes from a number of auto insurers and then negotiate the best low cost car insurance quote you can.
Let’s look at each of these individually. First the car. You might not be purchasing a new car., but if you are you should consider whether you can get a cheap car insurance quote when purchasing it. There is more than just the price you pay to consider. Is the car foreign?Because if so, the parts are going to cost a lot more than for a domestic car. A high performance domestically manufactured car can cost less to repair than a cheaper lower performance equivalent from abroad, so while you car might be a few dollars more to buy, it can a lot less expensive to insure, so that might affect you choice.
So, on to the second way, which is that which is used by the vast majority of people. You have many options when insuring your car that could make a significant difference to the cost of your premium. When you request a quotation, you have quite a few options you can take. Your basic policy will be quoted on what you request, taking into account the age of your car and the make and the model. The most affordable quotes depend on the options you choose when arranging the details of your cover.
First you have the option of the deductible. The higher the deductible you opt for, then the lower your premium price. The reason for that is twofold. Obviously, if you have to pay more in the event of an accident then the insurance company will pay less. However, there is more to it than that. The insurer will consider that if you opt for a high deductible, then you must feel confident about your driving. That being the case then you must feel that you are fairly likely to be involved in accident of your own doing.
After all, if you frequently had collisions then you would hardly opt for a high deductible, because you would be paying out all the time. That is why you can get a lower policy price of you go for a higher deductible and it is worth going for of you can afford a few hundred dollar for the odd error. Theoretically if somebody bangs into you, then they are responsible and you should not have to pay anything – the other party’s insurance should cover it.
Secondly, the cheapest car insurance can be negotiated if you have a good driving record, so if you have had a record of no claims for at least three years you can negotiate a very affordable quote. That of course depends on history, and you can’t do much about that when you are seeking an affordable auto insurance quote. However, there are some things you can do before seeking it.
Make sure you car has as many safety devices installed as possible, and have any that are missing fitted. Air bags always reduce premium costs, especially for drivers and front seat passengers. Anti-lock braking helps and so do any anti-theft devices. You can get auto cheap insurance if your car is safe to drive.
Finally, get quotes from as many companies as possible, but at least three. Compare them, and then go for the cheapest. It is sometimes possible to negotiate a low cost car insurance quote if the company knows that you are getting quotes from others. However, the best way to get an affordable car insurance quote is to go back to your regular auto insurer and let them know that you have been looking around. You will be surprised at the discounts that can come crawling out of the woodwork!
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Auto Insurance Rates – Get Free Auto Insurance Quotes Online Other things that might increase your premiums of the US car insurance quote are expensive or frequently stolen cars, bad credit, and high yearly mileage. You’ll pay for US car insurance quote with higher premiums for sports cars,…
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Car insurance quotes websites, all different?I have been searching car insurance multi websites. I have noticed that the quotes for the same car, same situations are all different on different websites for the same companies?? how can this be??
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Author: Brent A. Kenny
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Posted by American Car Insurance on April 17th, 2009 filed in car insurance | 9 Comments »
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9 Responses to “Auto Insurance Rates – Get Free Auto Insurance Quotes Online”
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April 17th, 2009 at 6:36 am
Those should be "soft" hits (not applications for new credit) and won't affect your credit score very much. Most insurance companies do factor in credit history when determining rates.
April 17th, 2009 at 6:42 am
When someone runs your credit, you lose 4 points from the agency they use. When several people pull your credit within a set number of days, it is assumed that you are shopping and you lose only 1 point for each search after the first one. So if, in one day, 6 companies pull your credit from Equifax, you will lose 9 points from your Equifax score.
April 17th, 2009 at 6:46 am
For car insurance the quickest way to get a cheap quote is do a auto policy comparison. Be sure to choose the same coverage levels, you can get an fast quote to compare against others. Use the same city/state, car make/model, mileage and driving history to ensure you get an apples to apples comparison. To get mulitple auto quotes, go to http://www.simpleautoquotes.com/Auto-Insurance.html and you can compare the major auto insurance companies.
April 18th, 2009 at 3:13 am
Assuming you're in the USA;
http://www.AutoInsureUSA.info is a great resource. It is a simple Zip Code Submit Form. Once you submit your Zip Code, you will be presented with a list of Car Insurance companies available in your area
April 19th, 2009 at 3:40 pm
Cause as brokers they get negotiate different deals with the insurers depending upon how much business they introduce to each company etc. Some insurers offer better deals to brokers based on a higher percentage of the brokers total business.
This site also provide some tips about this -
http://autoinsurance.hotusa.org
Have a nice day.
April 19th, 2009 at 5:54 pm
The broker probably had a proprietary website that he pays for to do comparisons.
There is no ONE insurance company that is right for everyone – everyone is rated individually – and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate – and a QUOTE is ONLY a quote until the policy is issued.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city – look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
April 19th, 2009 at 7:59 pm
You can get a QUOTE at ANY age…..however, a QUOTE is ONLY a quote.
In order to buy an insurance policy, you will have to be at LEAST 18 to have the policy in your name. You have to be at least 18 to sign a contract and an insurance policy IS a contract.
Until you are 18, you will probably have to be on your parent(s)' insurance policy.
Good luck and I hope this helps!
April 20th, 2009 at 2:58 pm
No it does not. While insurance companies do look at a persons credit now to help set rates, this is a soft pull and has no affect on your credit score.
I've had good info about it here:
http://autoinsurance.hotusa.org
Hope that helps.
April 20th, 2009 at 5:07 pm
A bigger engine, means the car can go faster. A faster car does more damage on impact than a slower car. More damage equals higher claims.
Also, cars that are advertised as "fast", tend to be used/purchased more by people who tend to speed, thus having accidents with higher claims damages.
Lastly, the raw data shows that cars with bigger engines, on the whole, have higher/more frequent claims payouts than cars with smaller engines. And it's the last bit that REALLY counts. Why do 16 year olds have higher claims payout? It doesn't matter – they do, so their rates are higher. Why do 8 cyl. engines have higher claims payout? It doesn't matter – they do, so their rates are higher.