Cheap Car Insurance

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Cheap Car Insurance

Spring is a spectacular time of year to get a car insurance quote. Six-month insurance policies purchased in the spring will take you through the summer months, with mild weather conditions to guide you. In most places in America, drivers can assume that their premium rates will not be hiked up by the possibility of weather damage. Still, drivers must beware of other seasonal car insurance nightmares that are common at this time of year: There’s always an increase in auto accidents during spring break, and they seem to coincide with an increase in DUI arrests. Spring also features St. Patrick’s Day, the drinkingest time of year for many Americans.

Car Insurance Discounts

There are many different discounts on cheap car insurance policies. Find out which ones you are eligible for by simply scanning the discounts page of each insurance company’s website. If you see an available discount not mentioned in your online quote, call to inquire.

  • Good Driver Discount: For going several years without accidents or moving violations.
  • Good Student Discount: For full time students who maintain a certain GPA.
  • Safety Feature Discount: For installed airbags or other protective features.
  • Anti Theft Discount: For installed car alarms or other anti theft devices.
  • Multi Vehicle Discount: For insuring more than one vehicle.
  • Multi Policy Discount: For having more than one policy with the same provider.
  • Senior Discount: For people age 55 and older who take a defensive driving course.
  • Online Purchase Discount: For buying your cheap car insurance policy online.
  • Paypal Discount: For having an active Paypal account.
  • PIF Discount: For paying your premium all at once, instead of month by month.

Know What You Can Save!

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Understanding Your State

Driving laws and practices vary from state to state. For instance, each state has its own minimum required liability coverage for registered vehicles. Also, some states are no-fault states, where insurance pays out no matter who is at fault, and some states are tort states, where fault is calculated as a factor in determining payout. Car insurance is cheaper in some states than others, and can even vary greatly from one zip code to the next. Factors affecting car insurance premiums in your state involve state laws, weather conditions, population density, crime rates, percentage of uninsured drivers on the roads, DUI statistics, and other considerations.

Auto Insurance Coverage

  • Bodily Injury Liability: For bodily injury to others caused by an accident.
  • Personal Injury Protection (PIP): For bodily injury to the driver and passengers.
  • Property Damage Liability: For property damage caused by an accident.
  • Uninsured/Underinsured Motorist Insurance (UMI): For accidents involving uninsured or underinsured drivers.
  • Collision Coverage: For crashing your car into anything other than an animal.
  • Comprehensive Coverage: Also known as OTC (other than collision). Covers things like fire, theft, vandalism, and deer collisions.
  • Gap Insurance: Pays the difference between the actual value of your totaled vehicle and the money you still owe on it.
  • Interior Vehicle Coverage: Insures a driver’s personal belongings inside the vehicle.
  • Rental Car Coverage: Covers a rental car until your car is repaired or replaced.
  • Replacement Car Coverage: If your car is totaled, this coverage guarantees you a new car of the same kind, but less than a year old.
  • Pet Injury Insurance: Covers medical expenses for pets injured in auto accidents.

Benefits of Obtaining Online Quotes

There are many benefits to receiving online quotes, as opposed to calling an auto insurance agent, or physically visiting an agent’s office for cheap car insurance.

An online quote can do it all, including factoring in certain discounts based on your demographic information. You get to choose your coverage types, levels, and limits from a clear list of options. Get several quotes from the same company by changing the parameters a bit. For example, if you are over 55, the online quote tool may factor in a senior discount. If you are under 25, you may be prompted with a question about school for a possible good student discount. You will probably also be asked of or not if you already have another policy with that company. This may make you eligible for a multi policy discount. Compare these quotes with other companies, using the same parameters. And so on.

Still, once you receive an online quote, it might benefit you to call an agent to ask about any other potentially available discounts not already mentioned online. Doing this can’t hurt, and can reduce your annual premium rates to a minimum. The more discounts you qualify for, the more money you’ll save on cheap car insurance.

Here are just a few reasons why obtaining cheap car insurance via online quotes is so much easier than doing things the old fashioned way:

Easy Access

All you need is a internet connection anywhere in the world to get as many online quotes as you desire. What’s more, the internet is open 24/7! Gone are the days of waiting for an agent to call you back.

Convenience

You can obtain online quotes without making a single phone call, without dealing with a single live agent, and without even getting up out of your chair and leaving you house. How much more convenient can it get?

Affordability

Online quotes are generally as cheap or cheaper than quotes you might get through an auto insurance agent. One reason is that the auto insurance agent gets a commission. Who needs the middleman?

Time Efficiency

Online quotes are much faster than phone quotes, and a whole lot faster than face-to-face meetings with insurance agents. In our DIY generation, time is money! From start to finish, it takes about 5 or 6 minutes.

Choosing the Best Auto Insurance Provider

It only takes about five minutes to get an auto insurance quote online. In one hour, you can do some serious comparison shopping. These days most people buy insurance policies online. Here is a simple, step by step approach to getting the best cheap auto insurance policy for your uniquely personal needs, and doing it all online.

1. Get a good, old fashioned pen and paper ready. You’ll need it to record online quotes from a number of auto insurance companies.

2. Write down the type of car insurance policy you want, including liability limits, types of coverage, and whatever else is important to you.

3. Visit our states page to read up on auto insurance laws, coverages, and other state-specific information. Look up your state. Your state is defined not necessarily as the state where you live, but the state where your car is most often parked. In most cases, these are one and the same.

4. Visit our insurance companies page and select at least a few major carriers, and also search at least two smaller, regional carriers who are licensed to write policies in your state. List these carriers on your paper.

5. Visit the website of each car insurance company you chose. For each company website, input your zip code and demographic information. Obtain an online quote from each of the companies you chose. Write down each quote from each different company, as you are unlikely to remember them all.

6. Compare these online quotes. You will probably notice that one of these companies offers the cheapest rate. However, before you decide to buy the policy…

7. READ CONSUMER REVIEWS! This step cannot be stressed strongly enough. There’s no point in having a cheap policy if the company has a reputation for abysmal customer service, or even worse, not paying out when an accident occurs. Some drivers have to find out the hard way that the cheapest auto insurance policy is not necessarily the best.

8. Once you have selected the policy that works best for you, purchase your policy online. This will often get you an added discount.

9. When you receive your auto insurance policy, read it carefully, thoroughly, and twice! Know what is covered and what is not. Avoid unpleasant surprises.

10. Drive safely! The best way to maintain low rates on your auto insurance policy is if you never need to use it.

SR-22 Insurance

An SR-22 is a form that must be filed with the state by drivers who have been involved in DUIs, or were found to be at fault in an accident that caused bodily injury to others, and didn’t have even the minimum insurance coverage required by state law. These people are known as “high risk drivers.”

An SR-22 is issued by a car insurance company, but high risk drivers are avoided like the plague by a lot of car insurance companies. Many carriers will not insure drivers who have to file an SR-22 with the state to prove that they are insured. However, some carriers will, at a cost. Naturally, an SR-22 is accompanied by much higher premium rates.

Many high risk drivers have had their licenses revoked, and an SR-22 form is required as the first step in getting a license reinstated.

The good news is that after a few years of maintaining a clean driving record, most drivers will no longer have to file the dreaded SR-22, and may one day again be able to get cheap car insurance online.

Car accidents

Accident Statistics

According to various personal injury lawyers, America sees roughly 16 million auto accidents each year. Although most of these accidents do not cause injuries, about 3 million people are injured (and more than 30,000 are killed) each year. In fact, traffic accidents are the number one killer of Americans between the ages of 4 and 34.

Car Insurance Facts

Here are ten fast facts you may not know about auto insurance:

1. America began manufacturing affordable cars with combustion engines in 1901. In 1927, Massachusetts became the first state in the nation to require auto insurance.

2. Auto insurance is tax deductible for business purposes, such as driving your car to work, or using your car as part of your job.

3. Auto insurance premium rates can be affected by the occupation of the policyholder. Teachers and engineers get the biggest discounts. Race car drivers do not. Other occupations deemed safer by insurance carriers include clergy members, police officers, mechanics who can fix their own vehicles, and insurance underwriters who can write their own policies.

4. Your credit score does affect your auto insurance premium rates.

5. Personal items in a damaged car are not covered, unless you purchase additional insurance specifically for that purpose.

6. Collision Coverage pays for damages on a car that has flipped over. Carriers see it as the vehicle “colliding” with the ground.

7. The only type of collision covered under Comprehensive Coverage is when an animal collides with a vehicle.

8. In the states of Alabama, Maryland, North Carolina, and Virginia, as well as Washington DC, a driver who is any part at fault for an accident cannot collect insurance money from the insurance policy of the other driver.

9. Auto insurance premium rates are highly affected by the percentage of uninsured drivers on the road. Oklahoma has the highest rate of uninsured drivers of any state, with 26 percent of all claims involving uninsured drivers.

10. There is no limit to the number of discounts you can have on your auto insurance policy. You are allowed to have all the discounts for which you qualify. These discounts can really add up, reducing your annual premium costs considerably.

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