blog « Compare Auto insurance Quotes – Auto Insurance By State

Discount Auto Insurance: How Can You Get It?

February 3rd, 2010

If you want to get discount auto insurance for your vehicle, then comparing quotes from various companies is definitely a good place to start with. The discounts and benefits differ from one auto insurance company to another. Therefore, quote comparison is a good measure to find out the most suitable discount auto insurance policy.

You should remember that there are different types of discounts available to drivers for a host of reasons. Given below are some of the discounts that discounted auto insurance policies offer to the consumers:

1) Good driver discounts

If you have been driving for a minimum period of three years and don’t have more than 2 violation points on your driving history for either a road mishap or speeding violation, then you might qualify for these discounts. In addition, it is also necessary that there is no incident of driving under influence, driving while intoxicated, gross negligence in a motor vehicle accident or accidents that led to a death or injury in the last 7 years. Good driver discounts allow you to save up to 20% on premiums.

2) Anti-lock brakes, anti-theft devices, automatic seat belts and air bags

If you equip your car with automatic seat belts and air bags, you might qualify for a discount of up to 30% on your personal injury protection (PIP) coverage and medical payments. If you install anti-lock brakes in your car, it can help you get a discount of 5% or more on property damage and bodily injury liability coverage. Installing anti-theft devices like a low-jack, an alarm or a GPS tracking system can also help you get affordable premium rates.

3) Driving courses

There are some insurance carriers that can offer a discount of up to 10% on personal injury protection, property damage liability, bodily injury liability, collision and medical payments coverage if you undergo and complete a driving education class approved by your state.

4) Multi lines and multi car discounts

If you insure more than one car with the same insurer, you might get attractive discounts. In addition, if you buy auto insurance from the company that insured your life, health or home, they can also reduce your rates.

5) Good student discounts

If you’re a student who fulfills specific GPA (grade point average) prerequisites such as a “B” average or more, good student discounts might be awarded to you.

6) Low annual mileage discounts

If you drive your car only on rare occasions, you might be eligible for low annual mileage discounts. If your mileage is low, it is assumed that your chances of getting involved in an accident are also low.

You can qualify for a range of car insurance discounts and this is dependent on the type of car you drive, the type of policy you have and the state you reside. While comparison shopping, ask questions about discounts that you qualify for and make the most of the savings.

Posted in Discounts | Comments Off

Traffic Violations and How They Effect Your Auto Policy

September 11th, 2009

How do auto insurance companies determine insurance rates? There are a number of factors that help the companies to fix a premium for you. These factors include your d traffic-violations riving record, age, sex, residence, mileage, recent auto claim history, deductibles and coverage. Most states in the country resort to a point system in order to keep a track on the traffic accidents and moving violations for every licensed driver. If a driver is issued a ticket for reckless driving, speeding, jumping a red light, it will negatively affect your driving record.

At the time of buying a car insurance policy, the company will review the record and if there are too many points in the record it will make you a high risk driver. This means that there is more probability of a claim resulting in high insurance costs. It must be kept in mind that only moving violations affect your insurance and not non-moving violations or parking tickets.

If traffic violation shows up in your record it will have an adverse effect on your rates for many years. The duration depends on the insurance company. Auto Insurance companies review the driving records at the time of renewal of the policy as well. So if you are accused of traffic violations during the course of the year, your premiums will increase. So what do you do to lower your insurance costs?

You can join a driving school and upon completion of the training, the traffic violation is dropped. The training certificate will assure the insurance company that you will be more careful while driving and help you to get lower premium rates. You may also want to go comparison shopping and get cheaper deals. There are a number of companies online that offer maximum coverage against competitive pricing. You just need to do some research and you will find a deal that suits you well. Also, paying higher deductibles help to bring down your premium. The most important requirement to be on the good books of the insurance companies is to have a clean driving record free of traffic violations.

Posted in Saving Money Tips, Traffic Violations | Comments Off

Tips at Getting Cheap Student Auto Insurance

September 1st, 2009

With the increasing cost of going to college, another large slap of expense would be getting an auto insurance. When you submit to those instant auto quotes and indicate you’re a student auto insurance student, you’re likely to find incredible costs amounting to $2,000 up to $10,000 for car insurance! If you compare auto quotes outcomes, you may indeed find car insurance best rates, but are they affordable to a student?

Worry no more as AutoInsuranceByState.com caters reasonably to students struggling with tuition, books and cost of living at universities. From among sites claiming of cheap auto quotes, AutoInsuranceByState.com helps students get the outstanding yet budget-friendly car insurance.

As any other, results of your quote for student auto insurance depends largely on your age and gender, and your driving record and garage location. Also, when you compare auto quotes submitted by a male and female, there’s a stark difference at insurance rates. Females are less prone to accidents and therefore get lower rates, so the reason goes.

Another factor to getting cheap car insurance is when an applicant doesn’t do drugs or drink intoxicating beverages. It’s a fact that a DWI or DUI will shoot up your insurance premium and for the many years to come, keep the rates up high.

In line with providing you the best service, AutoInsuranceByState.com shares with you the other factors to getting cheap insurance for your vehicles. Read on to know more on getting cheap auto insurance for students:

Have a spotless driving record and always obey traffic rules, not only for lower rates but to stay at the safe side of driving all the time;
0pt for less expensive and lower horsepower cars. Not only are they inexpensive to maintain and repair, they’re also less attractive to thieves;
If manageable, drive a bike or walk to school. Then use the car only when you’re home for vacations;
Increase your deductibles as it allows you up to 40% savings on car insurance premiums;
Shop around to ensure obtaining the best priced on your auto insurance. Compare auto quotes outcomes and submit to as many instant auto quotes. This way, you get the best yet cheap deals;
Maintaining good academic performance would sure get you discounts from various car insurance companies. Show your grades when you get those free car insurance quotes and you’re going to get much lower rates.

Tags: cheap student auto insurance, student auto insurance
Posted in Student Auto Insurance | Comments Off

Car Insurance For New Drivers

August 20th, 2009

Before getting behind the wheels every new driver must know the importance of car insurance. Most states have made it illegal to drive a vehicle without insurance. Auto insurance rates for new drivers are always a little more expensive as the probability of claims is statistically high. However there are a number of cheap insurance providers that are available and all that you need to do is take the time and effort to find them and select a deal that doesn’t cost you much. Their is a list of auto insurance car insurance for new drivers policies to enable younger drivers to get their vehicles insured at a cheaper price.

Cheap auto insurance providers can be obtained after comparing the quotes offered by the different auto insurance companies. A quick search in the internet shows hundreds of companies offering cheap insurance rates. You will need to go through some of the websites to know which company is offering you the maximum coverage at the best price. There is a wealth of information available online to enable you to select the best quote for your vehicle.

There are some guidelines which if you follow you can bring down your insurance costs by a large margin. First of all, you need to know how much driving you will be doing in a year. This is an important factor in determining your insurance rates. More mileage means more possibility of a claim and if you are going to drive less you pay less. Also, the vehicle that you are using has a major role to play in your insurance premium amount. If you own an expensive car you will need to cough up more as there are more chances of it getting stolen and also repairs are costly in the event of damages or an accident. On the other hand car insurance for new adult drivers will be a lot cheaper. It is therefore required that you be careful about the first vehicle that you choose to buy. These simple tips go a long way towards getting the right insurance for first time drivers.

Tags: auto insurance for teens, first time drivers, student drivers, teen drivers
Posted in Articles, Buying tips, Teen Auto Insurance | Comments Off

Ways To Help You Save Money on Car Insurance

August 19th, 2009

Rates and premiums – Ways To Help You Save Money on Your Auto Insurance Policy

In these times of financial slowdown everyone is trying to spend less and save more. While auto insurance is a must for every vehicle owner, there are ways you can save money by opting for cheap car insurance rates and premiums. car insurance saving tips

With the advent of the web world, it has become very easy to get cheap quotes from multiple auto insurance companies. You know don’t have to visit insurance offices in person or hire the services of an insurance agent. You are just required to visit the websites of different companies and check the quotes that they have on offer for you. You can then select the best rate that is on offer.

Alternatively, you can also go to comparison websites that show the rates of different companies and enable you to select the one that suits you best. There are choices galore that the internet presents for people looking for cheap insurance rates and premiums.

Apart from comparison shopping to get the most affordable rates, there are a few other steps that you can follow to spend less money on the premiums every month.

Raising the deductible: Deductible is the amount that you need to pay to the company before the latter pays out the amount claimed. Increasing this amount on your part will require you to pay less premiums and this can save a lot of money.

Do not opt for umbrella policy: You can assign the vehicles that you have to members in your family instead of having an umbrella policy for all the vehicles in the house. This is important especially when there are young, inexperienced drivers in the family. And if there is a young driver at home, you can submit documents of exceptional grades to bring down the premium amount.

Driving record: Your driving record as well as the record of everyone mentioned in the policy is also a contributing factor in getting cheap auto insurance rates.

Following these tips would go a long way to bringing down those auto insurance rates and premiums.

Tags: cheap auto insurance rates, Rates & Premiums, ways to save money on auto insurance
Posted in Rates & Premiums | Comments Off

High Risk Drivers – Auto Insurance Rates

August 18th, 2009

Some auto drivers are required to pay more money for their insurance premiums than other drivers. They are generally high risk drivers and auto insurance companies charge them a high amount for their insurance.

High risk auto insurance are generally issued to

Individuals who have a bad driving record
Teenagers
Owners of expensive or “muscle” cars
Individuals staying in high crime areas

If you are considered a high risk driver, you will be happy to know that there are ways to enable you to save money on your insurance. Some high risk auto insurance plans are actually more affordable than the other policies and with some research you will find that you do not have to pay a lot of money. Some of the steps that you can take are:

Inquire from your insurance agent about the steps that you need to take to get rid of the high risk tag. He/she will be able to educate you on the different ways that you can adopt to lower your insurance premiums.
Pay off all the fines and contact the Department of Motor Vehicle office and get your driving history cleared.
Switch over to low risk cars that are equipped with features such as anti-theft devices and air bags.
Increase your deductible from $250 to $1000 and this can save up to 40% on the premiums that you pay annually.
Know if there are any discounts for which you might be eligible such as drivers education discounts, low-mileage discounts and others. Make sure to ask your insurance company about the various rebates that they have on offer.
Take the help of a comparison website like AutoInsuranceByState.com to compare the insurance rates of different companies. As auto insurance rates can vary by thousands of dollars, you can save a huge amount of money by comparing the rates.