One thing I always hear from friends who know what business I am in is, “How do I get a cheap auto insurance quote? ” I don’t get offended by it; it is very similar to my father being repeatedly asked if he can give someone “a deal” when they find out that he is a car salesman. Like he doesn’t give his acquire customers the best “deal” that he can every day. One thing I do remind people of when they ask for a cheap auto insurance quote is the old saying, “You get what you pay for.”
Auto insurance is like any other monthly or periodic insurance payment in that it feels to the consumer like they are throwing money away every time they pay the premium. The feeling that you are never going to use that service gives you the feeling that you are getting ripped off by the very reputable company that sold it to you. However, when the time comes and you do have to utilize the service you could be surprised by what you pay for. Here are a few arguments against getting a cheap auto insurance quote:
Collision Deductible – Many people think that by making this higher or eliminating it altogether they can get to the monthly premium that they want. Here is the problem with that line of thinking, will you be able to pay that amount in one lump sum if something does go wrong or you are in a car accident? If you make your deductible $1,250 and you are in a demolish and this is your primary or only vehicle, how do you plan to get to work everyday if you can’t accomplish that payment?
Liability Limits – With the ability now to do your own quote online you may have noticed that this has the biggest impact on your premium. The reason is simple; it has the greatest probability of making the insurance company make a tall payment to someone else if you are at fault for an accident. Just remember this, if you make your property damage liability limit $25,000 and you total someone else’s BMW your insurance company is only going to pay a total of $25,000 for that vehicle, the rest will be up to you and if you can’t make that payment, quiz to show up in court.
These are just a couple of things that could impact your overall auto insurance quote and possibly make it a cheap auto insurance quote. However, cheap isn’t always the best way to go!
Filed under Auto Insurance Reviews by on Mar 13th, 2011. Comment. 
There are several cheap car insurance companies. Listed here are a few and a review of what information is contained on their websites.
Progressive has claimed to be a cheap car insurance company. They offer services such as 24/7 claim service, pet accident insurance, and someone to aid you with buying a car if yours gets totaled, and discounts for a safe driving represent and having more than one car insured with them. In completing a quote, individuals are asked to provide the car that they drive, personal identifying information, and whether they have any driving violations. Individuals are then offered a choice of what kind of car insurance they would like, and the amount of money they could pay for each of those insurances, which may or may not be cheaper than what they are already paying.
Geico also has claimed itself to be a cheap car insurance company. Their claim is that 15 minutes could save you up to 15 percent on your insurance. One bonus with Geico is that they do provide all the different coverages that are available and that you the consumer should consider having on your policy. I started a quote from them but became frustrated at the amount of information that they required. Some personal information I was allowed to opt out of giving like my phone number and social security number, but others I was not like my occupation and how noteworthy I am paying for my insurance currently. Geico does not provide coverage in Massachusetts.
Allstate is going a different route in being a cheap car insurance company. Their claim is a profitable driving bonus for every 6 months an individual goes without an accident they can earn up to 5% of their premium. They can also earn money off of their deductible. Individuals can also receive a quote online.
State Farm can also be considered a cheap car insurance company. They offer to their individuals information such as how distinguished insurance do they need, what affects the price of their insurance, what are coverage and deductible options, and auto insurance discounts. They offer discounts for Multiple Vehicle, Multiple Line, New Vehicle Safety, Accident Free, Anti-Theft Device, Defensive Driving, Good Driving, Good Student and, Driver Training. Individuals can obtain a quote online in about 15 minutes.
Nationwide is also a cheap car insurance company, because they claim that you can save up to $500. They offer 100% guarantee on repairs for as long as you own the vehicle. They offer 24/7 claim service. They also offer free On Your Side Reviews to assist you with choosing discounts and coverage that are right for you.
Amica also claims to be a cheap car insurance company. They do not offer much information about their auto insurance online. However, you can complete a quote online.
Esurance offers the most information about cheap car insurance companies. Esurance allows individuals to score a quote that compares auto insurance rates. This allows the individual to pick the best insurance information for them. Individuals can then buy the policy right online. Esurance claims that if another company offers a cheaper rate you can purchase the policy.
Filed under Auto Insurance Reviews by on Feb 26th, 2011. Comment.
Once you have made it to the pinnacle of your life, there may be certain and specific perks which can help you stay interested in living active and productive twilight years. Seniors finally qualify for deeper discounts on the things like auto insurance which could make a big difference in their quality of life.
Making it all the diagram to senior status around here does have its perks and obvious insurance discounts are only a small bit of the good stuff that is to be in store. When I mention twilight here I don’t mean the dreamy attractive brooding vampires from the movies either. I mean those golden few years where you are supposed be able to rest easy and choose your time getting somewhere instead of rushing around like a maniac all the time.
It is surprising to me having just turned fifty that I actually had to go and ask our insurance agent to give me any available senior discounts they offer. It is not like they do not know my age! In fact, they probably know more about me than most of my friends and family combined. So make a point of asking your agent to get you tuned in to every senior discount option they offer. If you are not satisfied with these results then contact other insurance agencies and start shopping around. Once you have the agents attention ask them to help you with the following things.
First study if they offer a pleasure driver rate as this can save a senior money on their insurance since they are typically not driving nearly as much as when they commuted to work every day of the week. This one change could save you ten to fifteen percent on your premiums.
Another item to consider is to ask if they can help set you up with an AARP or AAA satisfactory driver course which once completed successfully they should be able to offer you another create of safe driver discount. It is common knowledge that folks between the ages of 50 and 70 are reportedly some of the safest drivers on the road.
Since you are officially a safer driver than most and to prove it you finished your safe driver course it may be time to raise your deductible so that your monthly premiums are lowered. This is worth the risk if you have a noble driving record and can put away the deductible amount you may need ahead of time. Of course paying the deductible later negates some of the savings you accrued but that is always going to be the same risk no matter how much you pay per month.
One really quick way to save on your insurance cost is to pay your annual premium amount in full at the beginning of the term. This can net you a broad cost reduction on your premiums if you can afford to drop the cash in one big lump payment.
Getting what the insurance business calls “Multi-Line” insurance is another colossal plot for seniors to save on their insurance bills. What you need to do is find an insurance company that covers cars and homes and combine these policies. many of us have one for each and this is not cost effective.
You could downsize your sedan and go with something smaller that is less costly to insure and is perhaps gets even better fuel mileage saving you more money per year as well. If possible you could consider selling the car and going with public transportation or slide one of the newer motor scooters that are more like motorcycles than scooters. One is even a three wheeled unit that is really safe from a company called Piaggio.
All things considered seniors are wise to consult with a few different agents to see that they are getting the best deals possible since most of us will be on a fixed income at some point in our twilight years we may as well be frugal on things like our insurance premiums.
Filed under Auto Insurance Reviews by on Feb 19th, 2011. Comment.
