HomeDo you want car insurance at low rates? The easiest way to get an affordable price on your auto insurance is to request several car insurance quotes from our website. Why would you waste your time on the phone calling around? The last thing anyone wants to do is listen to elevator music while waiting for a salesman.
With Best Cheap Auto Insurance it only take three steps to get low cost auto insurance (well, actually it’s two steps to receive your auto insurance, since the third step is you benefiting from having the cheapest car insurance around–but whose counting). All you need to do is:
Fill out the quote form – Unlike other auto insurance forms ours is short and to the point. You don’t need to fill out pages and pages of personal information with us. Just simply give us a few details. It will take you less than a minute to fill out. Choose the best quote without obligation – One concern people have is whether or not they are obligated to any insurance company when they fill out our form. You have no obligation to buy car insurance with any agent that contacts you. In fact, it’s good policy to not go with the first offer you get. Get insured for less – Once you have done step one and two you won’t have to wait long before you receive several low cost car quotes, and can choose the best one for you.
Other Ways to Find Low Cost Car Insurance You might have heard that you are more likely to get into a car accident than ever to get into a plane crash. For obvious reasons, this might be a good thing, but it also shows how often car crashes occur. If you park your car on your own property, and never drive it anywhere, you might not need car insurance. Yet, most people buy a car to drive it and not just have it decorate their driveway. Thus, if you plan to drive you also need to plan on having auto insurance to protect you from accidents that will most likely happen.
The easiest way for people to save money when looking for insurance is to shop around. As stated above, taking the first quote offered is not in your best interest. The price that one insurance company quotes could easily be triple the cost compared to another car insurance who offers the same amount of coverage. The high cost insurance company may not be trying to rip you off. They may be quoting a higher rate because they consider something as a high risk factor; whereas another company may not see it as being as important.
You receive a quote from an insurance company by adding or subtracting money to your quote after each answer you give. With every company being different you will get a better deal by getting quotes from as many companies as possible.
Another tip on lowering your monthly insurance payment is finding out what category your car falls in to. Due to so many cars on the road, insurance companies have devised a method of dividing automobiles into a series of groups. In all, there are twenty categories. You will find that usually the higher the category your car is in, the higher your premium will be. It is important that younger drivers should get a car in the lowest category to reduce their monthly car insurance payment. It is wise when buying a new car to find out what category your new car falls into and be sure it’s not going to cost you too much to be insured.
The next way to reduce your payment is to keep a clean driving record and build up your no claims bonus. Obviously, it is much easier said than done, but if you have a clean driving record and up to 5 years of no claims bonus you could see a reduction on the amount you pay for your premium by as much as 75%.
Improving your vehicle’s security can considerably reduce the amount you pay. Having an alarm will get you a small discount. Also, by having a tracker fitted to your car will help you see a bigger reduction in your monthly premium. Surprisingly enough, even where you park at night will help to lower the amount of your car insurance. If you select to park on a driveway rather than on a street you should see a 5% difference in your premium.
Other effective ways to lower your premiums are to take an advanced driving test, pay your premium annually instead of monthly, remove unnecessary drivers from your policy, and reduce your annual mileage.
For more information vistit- http://bestcheapautoinsurance.com/
News
More Drivers Staying With Current Insurer LongerMotorists Scale Back Shopping for Auto Insurance, Survey Shows
August 21The proportion of customers seeking a new insurer fell to 28 percent in the 12 months ended in March from 36 percent in the year-earlier period, the marketing company said today in a statement. The study showed a slump in shopping in the fourth quarter and January, and some companies reported a rebound in recent months, Jeremy Bowler, J.D. Power’s senior director of insurance, said in an interview.
“Many customers are employing a hunker-down mentality,” Bowler said in a statement. “Most customers would prefer to hold tight to their current provider, which they already know, rather than risk trying a new provider.”
Auto insurers’ premiums have declined as drivers reduced coverage in response to the recession and profits dropped on investment writedowns. Consumers most often cited price as a reason for their shopping, and more than a third said price was the reason for switching carriers. Ninety percent of customers stay with their current provider, J.D. Power said.
Berkshire Hathaway Inc.’sGeico Corp. and Progressive Corp. have reported gains in shopping volume this year. Progressive added 242,200 auto customers in the first four months of the year, while Buffett told shareholders May 2 that Geico added 505,000 customers.
“Geico is shooting the lights out,” Berkshire Hathaway Chief Executive Officer Warren Buffett said in a Bloomberg Television interview in March. “It’s something in the American psyche, where the guy who didn’t care about saving $100 on his auto insurance policy or some number a year ago, and preferred to not make the change, they’re coming to us now.”
‘Switching Behavior’
Shopping “behavior was up fairly dramatically” in the first quarter, Progressive CEO Glenn Renwick told analysts and investors at a June 11 meeting. “We’re still seeing a fair amount of switching behavior.”
Erie Insurance in Pennsylvania ranked highest in J.D. Power’s customer satisfaction survey of auto insurers for a second consecutive year, scoring 893 points out of 1,000 for its distribution methods, prices and policy offerings. American Family Mutual Insurance Co., based in Madison, Wisconsin, ranked second, followed by Hartford Financial Services Group Inc. and Geico.
American International Group Inc. ranked lowest among 22 companies with a score of 813 and Safeco Corp. was second to last with a score of 825.
Erie and American Family won top scores for local agent distribution. Hartford won a top score for its call center and Geico for its call center and Web site, according to the study.
Shopping rates are based on a survey of 300,000 households, Bowler said. Customer satisfaction is based on responses from more than 13,500 consumers who asked for an auto insurance price quote from at least one competitive insurer from February to March, J.D. Power said.
Car Insurance Rates in Arizona on the MoveAugust 21, 2009Auto insurance rates climbing in ArizonaBy Sandip
Many insurance providers are revving up auto insurance rates across Arizona, continuing an upward trend that began last year.
According to the Arizona Department of Insurance, 77.46 percent of insurers that have reported auto insurance rate changes this year either have or are increasing their rates. The highest percentage increases are Colorado Casualty Insurance Co., a Liberty Mutual Group company, up 30.20 percent, and Garrison Property and Casualty Insurance Co., a USAA company, up 30.10 percent.
Insurers have all year to report any changes they make to their auto insurance rates, said Erin Klug, department spokeswoman.
“There’s no requirement that they change their rates at any particular time,” she said.
In 2008, an overall average increase of 3.72 percent was reported among insurers filing rate changes that year, according to the department. That’s up from a .32 percent decrease in 2007.
“There is a small uptick … in insurance rates that appears to be happening at this time,” said Ron Williams, executive director of the Arizona Insurance Council. “It’s balanced by the fact that in 2006, the 20 largest insurers in the state dropped their auto insurance rates by 5 percent.
“We have times when the competitive nature of the insurance business here in Arizona allows for rate decreases, and then we have these times where losses and costs that insurance companies incur result in higher rates.”
Colorado Casualty has been paying out more in claims than it has been receiving in premiums, said spokesman Paul Hollie. Colorado Casualty insures commercial vehicles, he said.
“(Premiums in Arizona are) underpriced for the risk that the insurance company takes, so from time to time you have to make adjustments based on market,” he said. “Additionally, Colorado Casualty is still very competitive in that marketplace. Some customers, depending on where they are in the spectrum, will actually see a rate decrease.”
Clay Allen, USAA spokesman, said USAA companies, including Garrison Property and Casualty, had a combined auto insurance rate increase of 9.9 percent this year in Arizona. Garrison is a newer USAA company that began providing insurance in Arizona three years ago, he said.
“After a few years of loss experience in claims, we determined that those original Garrison auto insurance rates were inadequate, and that’s why we filed the rate increase,” he said. “Overall, Garrison and our other companies, we’re seeing our auto loss trends steadily increase, and those are being driven by a growing number of claims and higher repair and related medical expenses associated with those claims.”
USAA provides coverage to military-related personnel, including active duty and reserve, retired or direct family of a military member.
None of the three largest auto insurers in Arizona - State Farm Mutual Auto Insurance Co., Farmers Insurance Co. of Arizona and American Family Mutual Insurance Co. - reported increases. In 2008, those companies had 30.3 percent of policyholders across Arizona.
State Farm hasn’t filed any rate change, while Farmers reported a .4 percent decrease and American Family reported a 3.1 percent decrease.
State Farm’s auto insurance products are appropriately priced to risk, said spokeswoman Cheryl Willis-Blakes.
Arizona’s highly competitive insurance market means consumers have plenty of choices if they feel their rates are too high, Klug said. The department’s Web site includes an auto insurance premium comparison guide, at
www.id.state.az.us/autopremium.html.
Policyholders should examine their policies at least once a year to see if they could be paying less, Williams said.
“The insurance companies really do vie for our business, so consumers are encouraged to do some comparison shopping,” he said.