Keeping Your Auto Insurance Rates Affordable

By Robert Barabash

When shopping for your dream car do you take the cost of insurance into consideration? The highway Loss Data Institute deals with the cost to insurance companies from collisions injury and theft claims. Facts like four door cars having a 93% less chance of having an insurance claim compared to the same two door models. The cost of repairing or replacing a more expensive vehicle means a higher premium. A vehicle that has a better rating for injury protection will cost less to insure. Certain cars are more at risk to be stolen, therefore have higher premiums. When shopping for a new or newer car take all these factors into consideration.

Many insurance companies still use your age, driving history, type of vehicle and where you live or work to determine your insurance costs. Did you know that your credit history is also a factor in how much you pay for insurance? If you have little or no credit it is best to ask your insurer how they determine rates. Buying insurance from a company that also rates credit will mean that you Will Pay More! Shop around and get at least five quotes. The reason insurance companies use credit information is because they feel there is a direct correlation between credit scores and expected claims.

Take advantage of any discounts offered by your insurer. Most insurance companies offer a variety of discounts. There are discounts for car safety features such as anti-lock brakes and air bags. In most states if you take a defensive driving course or a refresher course for seniors, you will be able to get a discount. Some insurers will give you a multi vehicle discount. If you have a claims free record for a number of years some companies will reward you with a loyalty discount. Depending on the age of the vehicle you drive, compare the costs of dropping accident and comprehensive insurance for lower premiums. Remember it costs less to insure a $16,000 four door sedan than a $30,000 sporty model.

There are ways to reduce how much you pay! Use all the benefits allowed by your insurance company. If the don't offer discounts, shop around and get at least five quotes. You will save money.

Robert Barabash is the owner of a website that explains the various forms of insurance in a way that the public can understand. The valuable information available allows you to make an educated decision. You can also get five no obligation quotes on all forms of insurance products such as auto, home, renter, life,disability and pet insurance. For more information go to http://allinsurancesite.com

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How to Save Up to 40% Off of Your Current Auto Insurance Policy Through Online Auto Insurance Quotes

By Bob Randooke

Don't you just hate going through your local yellow pages looking for a reliable auto insurance agent but there are so many choices that it makes things so confusing as to which agent or which company would give me the best auto insurance policy at the best prices. You have to meet with them first, allow them to explain their policy in detail and go over all of the fine print and then be pressured into making a decision on the spot.

If you just invite one or 2 agents over to your house how will you know if their deals are really the best prices for you since you have no one to compare them to and if you wanna call even more auto insurance agents then your looking at making separate appointments with each one and then waiting days to actually meet them. When you are through with the whole process not only could it take weeks but you will also have to put yourself through a series of pressured sales pitches that are designed to try to get you to sign with their particular agent as soon as possible. Now how can you save yourself all this trouble and find a good auto insurance policy from an agent who does not need to have a heavy sales pitch to get you to sign? Well the answer is very simple and has been in front of your eyes for years. Online auto insurance quotes.

There are many benefits to getting your auto insurance quotes online as opposed to doing it the land based way. For one, when your looking for a quote online you do not need to meet with any auto insurance agent initially to view your quotes prices. You just visit one of the many leading brand online sites , fill out a quick one page form and in less then half an hour you will have a series of up to 5 auto insurance quotes in your email . The benefit here is that the prices of the policies are stacked up right next to each other for you to compare so you can pick the best policy at the lowest price. No sales pitch is done at all because these online websites get so many leads to work with that they do not need to get desperate to get you to go with them. In other words they let their policy and prices do the talking. The main reason why online auto insurance quote prices are much lower than their land based counterparts is that when the insurance companies go online they save a ton of cash on expenses and they will definatly pass down the savings from their expenses to you.

You can then select the best policy for you and then make a quick and painless appointment with the insurance agent and voila, just like that you are signed up to have auto insurance. These days with the cost of living being what it is you cannot afford the luxury of going without auto insurance so take your, make a visit to one of these reliable auto insurance quote sites and get your quotes delivered to your email with half an hour.
Its that simple by going online.

I love writing about how you can get cheap [http://www.online-insurance-quotes.org/]online auto insurance quotes by visiting http://www.online-insurance-quotes.org and get 5 affordable auto insurance quotes in minutes delivered to your email without any sales pitches from the top auto insurance companies in America.

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