Cheap Auto Insurance Rate - One Way To Get It

By Chimezirim Chinecherem Odimba

Cheap auto insurance rate: If you are interested in reducing your car insurance rate without reducing your coverage, then you're at the right place. I will touch one of such ways here. This one involves learning and developing a skill. This one will cost you much more than a few minutes. But if you consider the benefits you'll get from it you'll see that such time spent was a wise investment. You can still save if you can't find enough time to acquire this skill. Just click the links at the end of this article and see how much you'll save. All it will take you is a few minutes.

I will be talking about defensive driving and how it helps you get a cheap auto rate. However, before we go further, I'll take some time out to make sure we all know what we mean by defensive driving...

It's a type of training in driving that takes you beyond the mere basics of driving into something more advanced. Its aim is to reduce the risk of driving by anticipating dangerous situations, despite adverse conditions or the mistakes of others. They have rules and driving techniques that help you achieve this.

Any course that builds in such skills and discipline into a driver will definitely attract a cheap auto insurance rate once completed. Don't you think so? If you are a defensive driver, you're a great driver. Great drivers are less likely to be involved in car accidents. Since their skill and discipline reduces the likelihood that they'll be caught in a collision or a crash, they are seen as better risk by insurance companies. This means cheaper auto insurance rates.

If the likelihood that you'll need to make a claim is high, insurers will charge you accordingly. If it's low, you'll get low rates.

You can save yourself some reasonable amount in your car insurance by taking lessons in defensive driving. Furthermore, you also help safeguard lives (yours and others) by being a better driver.

Cheap auto insurance rate is not something that is reserved for defensive drivers alone. You, too, can get it. All you have to do is take out some minutes to get and compare quotes from reputable insurance companies. You'll save at least $100. A guy who was so fortunate saved $2,200 by doing just this (That figure wasn't a typo error).

Here are my favorite pages for auto insurance quotes...

InsureMe Auto Insurance Quotes

Hometown Auto Insurance Quotes

Publishers can get unique versions of my articles by following any of the links above. Click on "To Use My Articles" when you get to my site.

Chimezirim Odimba writes on insurance.

Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba

Auto Insurance Rate - Here's How Your Home Affects It

By Chimezirim Chinecherem Odimba

What has my home got to do with my auto insurance rate? The important thing is to find out if it's making you pay more or less. You may find this hard to believe unless you're an insurance expert. However, there are things you can do to actually use your home to get better rates.

You know quite well that insurance companies ask for your place of residence and probably your place of work depending on your circumstance. They do so for several reasons. This piece of information will help them know if you live in a high crime area or otherwise. If you live in an area that has a high incidence of car theft, vandalism and violence, you'll pay a lot more than if you live in a peaceful neighborhood.

Therein lays the problem...

Insurance companies can't start asking themselves or checking statistics each time someone applies to know how much risk that's created by a prospect's place of residence. Therefore, they do the sensible thing: Group areas into different risk categories.

In grouping areas, there have to be boundaries for various risk categories. That is, if an area belongs to the high risk category, there has to be a boundary where another risk category begins. People who live in those boundary areas will be surprised to find out that a friend living around the corner pays far less because they belong to another risk zone. But this does happen.

So, you'll do well to check before making the down payment for your home. Take some time out and request for a free auto insurance quote with the address of this house or apartment you intend to get (Remember, they are free and non-obligatory). This will help you know if it cost you more or less if you move in there.

Those who already pay more may be wondering what they can do about lowering their car insurance rates.

Thankfully, there is a way for anyone to make such savings in car insurance: Use sites that give free car insurance quotes. In just minutes, you'll be given quotes from A rated companies after you've answered a simply questionnaire. From the quotes returned you'll get insurance companies that are willing to take far less than what you're paying currently to give you a comparable insurance coverage.

Here are my favorite pages for auto insurance quotes...

InsureMe Auto Insurance Quotes

Hometown Auto Insurance Quotes

Publishers can get unique versions of my articles by following any of the links above. Click on "To Use My Articles" when you get to my site.

Chimezirim Odimba writes on insurance.

Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba

Auto Insurance Rate - How Much Are You Paying?

By Richard Cunninghamm

Cars are a big part of our everyday life and they are quite closely related to several people’s identities. When we think about the number of cars on the road it is truly staggering. It is also staggering to think about how many of those cars are not carrying enough coverage. Those drivers who travel with only the bare minimum plans need to carefully consider the value of a good auto insurance rate.

Seeking, researching and obtaining coverage for a vehicle is every driver’s responsibility, but that responsibility does not end with simply purchasing sufficient coverage. Drivers also need to ensure that they are purchasing coverage that is ideal for them. The coverage must meet their needs and meet their budget.

Unfortunately too many drivers do not understand what their responsibilities are and these are the ones who drive around with insufficient coverage. Essentially there is no reason why people would neglect this part of their lives. People seek deals on new technology, new homes and everything else they purchase. But they do not do the same with coverage.

That is where we come in. We make finding the right coverage an easy and quick process. This is because we provide the right coverage the first time. By taking the guesswork out of the purchasing new coverage we provide the right motivation for people to reevaluate their indemnity and get the coverage that they need. We offer the auto insurance rate that you are looking for.

All those who get behind the wheel need to become active in ensuring that they are protected with adequate coverage. They need to not only ensure that they are paying the best possible rate, but that they are also receiving the best possible coverage.

The most viable solution is to become educated. People need to learn more about coverage and become interested in the coverage that they receive. At the very least they need to look to the coverage that they presently have and ensure that it is adequately meeting their needs.

We can’t forget what coverage is meant for. It is meant to protect us when we get into our car and it is also meant to protect everyone else on the road. It is not something that we like to think about, but accidents do happen and when they do it is vital that the coverage is able to meet the demands.

When people start to evaluate their current plans they often find that they are paying too much and getting too little. Just as you would if the computer store did not have the right product at the right price, you should look into other indemnity providers. Every driver needs to seek out the best auto insurance rate to meet their needs and provide themselves with the protection they deserve.

Richard Cunningham is a successful entrepreneur and publisher of several profitable websites on Auto Insurance Rate and Home Insurance.

Article Source: http://EzineArticles.com/?expert=Richard_Cunninghamm

Auto Insurance Rate - What Age Can Do For, Or To You

By Chimezirim Chinecherem Odimba

You cannot get an auto insurance rate without being asked your age. It's one of the most important factors used to determine how much risk you are to an insurer. There are preferred age groups and there are dreaded age groups. However, if you don't know much about how to make the most savings in auto insurance you can pay much more than you should even if you belong to a preferred age group. On the other hand, if you know what you're doing, you can get a lowered auto insurance rate even if you're a teen (the most expensive age group to insure). This should help...

Insurance companies ended up labeling one age group a high risk and another low risk due to statistics. However, in spite of statistics, you can lose the benefit that a generalization would have bestowed on you by doing the wrong things. For example, if you're fifty-five years old, you belong to a very low risk age group as far as auto insurance is concerned. However, let's assume you have a terrible driving record or worse still, you have a DUI (Drinking Under Influence) conviction, you'll pay several times more than you would have. That is if you even succeed in getting a company that agrees to insure you.

This means that you have a responsibility to yourself. Make sure you keep your records as clean as possible. This will ensure you can take advantage of all the discounts available for your age group.

In the same way, if you're a teen, you can lower the high risk perception insurance companies have of you by doing a few things...

1) Take lessons in defensive driving. Defensive drivers get lower rates from several insurance companies. The simple reason is that a defensive driver is far less likely to cause an accident. They are also trained to avoid being caught up in one. Since their accident records are quite low, their rates are also very low.

2) Get good grades in school. If you're a good student, you're likely also a more stable person. A's and B's will help you lower your rates with some insurance companies.

After doing one and two, you can also do your best to use less expensive cars. Avoid sports cars and expensive foreign cars.

Finally, take your time to visit at least three sites that provide multiple auto insurance rates. Each site will only take you 5 minutes at most. However, if you consider that this simple exercise will save you hundreds of dollars, you'll agree it's well worth your while.

Here are my favorite pages for auto insurance quotes...

InsureMe Auto Insurance Quotes

Hometown Auto Insurance Quotes

Publishers can get unique versions of my articles by following any of the links above. Click on "To Use My Articles" when you get to my site.

Chimezirim Odimba writes on insurance.

Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba

How to Lower Your Teen's Auto Insurance Rate

By Felicia A. Williams

Sooner or later, no matter how much you want to avoid it or how much you dread it, your teenager will learn to drive. Worse than that, they may even get a car. To top it all off, they will have to get insurance for that car. We all know that getting an auto insurance policy for a newly licensed teenaged driver is expensive.

Forming a partnership between you, your teen and the insurance company will help you to reduce your rates and maybe keep a few extra dollars in you pocket. Here are a few tips:

1. Maintain a clean driving record: Make sure that your teen is aware of the laws and restrictions in your state. Instill in your teen the importance of following the rules of the road. Just one traffic violation for a newly licensed driver may have you paying two to three times what you should pay. Until your teen can afford to pay for his own policy, he must keep a perfect driving record to protect your pocket.
2. Follow my lead: Are you setting a good example? Do you speed? Do you tailgate? Your teen is watching you. Make sure you show them how it should be done. Remember, your soon to be driving pre-teen is watching you too.
3. Maintain Good Grades: Students who maintain an average of B or above may earn up to a 25% discount on insurance rates.
4. Drivers Education: Many insurance companies offer lower rates to teenagers that have completed qualified driver's education courses. Before you spend money on a course, check with your insurance carrier to find out which schools they accept.
5. Safety: When looking for a car, keep in mind that insurance companies like safety features. The safer the car, the lower the rate. The faster and newer the car, the higher the rate. Do a little homework before buying your teen a car. Be aware of the theft or vandalism rate for the car you're buying. The more likely it is to be stolen or vandalized, the higher your premiums.
6. Alcohol and Drugs: Under aged drinking is illegal. Your insurance company may void your policy as a result of an illegal action.
7. Watch your teen in action: Drive with your teen from time to time. See if they are still the safe driver they were when they first got their license, or have they developed a few bad habits. Be a passenger and observe. Compliment them if they're doing a good job, or diplomatically point out potential problems.
8. Talk to your agent: Your insurance agent can help you to determine whether or not it is cheaper to put your teen on your policy. If you drive an expensive car, your rates may increase dramatically by adding your teen. It might be cheaper to get a separate policy, depending on the type of cars in your household. Your agent can offer advice on the best way to insure your teen's car.
9. Shop: Get a couple of quotes and compare.

Working together with your teen and insurance company will help you to get the best auto rate for your teen possible. It's worth the effort.

Felicia Williams, who worked in the insurance field for many years, is now a freelance writer and owner/webmaster of the family oriented site Tidbits and Stuff. For more articles like this, visit Tidbits and Stuff. Felicia also owns a Hudson Valley travel guide site Visit Hudson Valley.

Article Source: http://EzineArticles.com/?expert=Felicia_A._Williams

How to Get the Lowest Auto Insurance Rate

By Brian Stevens and Stacey Schifferdecker

Are you sure you're getting the lowest auto insurance rate possible? If you haven't done any comparison shopping for car insurance lately, you're probably paying too much. The average annual cost for car insurance in the United States is over $5,000, but you can save on your car insurance by ...

* Getting all the discounts you qualify for

* Setting your deductibles high

* Keeping your credit record clean

* Comparing rates at an insurance comparison website

Get All the Discounts You Qualify For

Discounts are a great way to lower your insurance premium. Most insurance companies offer the following discounts:

* Multi-policy discount for buying your home and auto insurance from the same company.

* Good student discount for maintaining a high grade average.

* Discounts for safety features such as automatic seat belts, airbags, and anti-lock brakes.

* Discounts for taking a defensive-driving or drivers ed course.

* Discounts for being accident-free for a specified number of years.

* Discounts for anti-theft devices like car alarms and electronic disablers.

Ask your insurer about other discounts they offer and take advantage of all the discounts your qualify for.

Set Your Deductibles High

The deductible is the amount you pay out-of-pocket to repair or replace your car when it is damaged. The higher you set your deductible the lower your premium will be, so set your deductible as high as you can afford. Increasing it from $500 to $1,000 will save you 10 to 50 percent.

Keep Your Credit Record Clean

Almost all insurance companies look at your credit record and charge a higher base rate if your credit is poor. In fact, if you have a poor credit history you can pay as much as 20 to 50 percent higher on your car insurance than someone who has good credit.

Shop Rates at an Insurance Comparison Website

Insurance premiums can vary by hundreds of dollars from one insurance company to another, so you need to get quotes from several companies to get the lowest rate. By going to an insurance comparison website you can compare rates quickly and easily.

On the best insurance comparison websites you can even talk with insurance professionals to get answers to your questions, and get more tips on saving money on your car insurance (see link below).

Visit http://www.LowerRateQuotes.com or click on the following link to get low auto insurance quotes from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on how to get the lowest auto insurance rates.

Article Source: http://EzineArticles.com/?expert=Brian_Stevens

Auto Insurance Rate - Using The Professional Advantage

By Chimezirim Chinecherem Odimba

One way you might have been missing the opportunity of lowering your auto insurance rate is if you have not taken advantage of concessions that are given to your profession by some insurance companies. Why this is so and how you can take advantage of it is the subject of this article...

If you are an engineer, that will give you some remarkable savings with some insurance companies. Certain characteristics that have been associated with engineers as a group have informed such positions...

1) How engineers handle their cars is affected by their training which makes them very conscious of safety details. While the average person may not really bother much about the implications of tire pressure, you can count on an engineer to naturally worry about such matters.

2) The performance of a car will also matter a lot more to them than looks. If an engineer, therefore, wants to buy a car, they'll be more likely to see how well it is suited to the purpose it is to be used for. Due to their training, they are also more likely to detect a fault when it is just starting.

These traits make this group get lower auto insurance rates. You must, however, be made aware of the fact that this only applies if you have a good driving record. A poor driving record will annul the major argument for such concession which is a great road safety record.

Some companies also give teachers such concessions. Such offers are hinged on the fact that teachers are usually very disciplined. The fact that teachers have high demands placed on them by the society due to their role makes it less likely for you to see a teacher who drives roughly. Since they are aware of this position of responsibility, they respond accordingly by being responsible (and this includes while driving). Another reason for lowered auto insurance premiums for teachers is the level of stability associated with the teaching profession.

There are also companies that give military personnel special packages for reasons that are easy to deduce.

Are there companies that give lower car insurance rates to other professions not mentioned here? Yes! Is yours one of such professions? You'll have to find out. You never can tell how much you'll save if you don't try. Therefore, do your utmost to find out.

Car insurance quotes sites are by far the easiest way you can get such information. They allow you make even much more savings since they do more than tell you if your profession has special discounts. They give you the actual numbers which makes it far easier for you to make a very informed choice.

Getting as many quotes as you can is key to realizing the savings being talked about here. How much you'll save is determined by how well you compare the auto insurance quotes returned. This is in turn affected by how many quotes you have for such comparison.

This process is so easy and straightforward that you really have nothing to worry about. Even so, considering I have done all the research for you and listed two of my favorite auto insurance quotes sites on this page, it is now far easier. Each site will take you just about 5 minutes. Remember, this is a necessary step towards lowering your auto insurance rate by up to $1,000 or even much more.

Here are my favorite pages for auto insurance quotes...

InsureMe Auto Insurance Quotes

Hometown Auto Insurance Quotes

Publishers can get unique versions of my articles by following any of the links above. Click on "To Use My Articles" when you get to my site.

Chimezirim Odimba writes on insurance.

Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba