Internet Auto Insurance Quotes When getting auto insurance quotes on the internet it consumers need to know who it is that they are asking for an insurance quote. By searching on a top rated search engine for auto insurance quote there are more than 17 million options to choose from. This can be overwhelming to many consumers.Out of all of these options they are split into 3 top groups that are rating. There are auto insurance companies...more
Factors That Determine Auto Insurance Rates Auto insurance rates are determined by multiple factors including coverage, driving experience, driving history, zip code, and the vehicle being insured. All of these variables and many more determine the premium on an auto insurance policy.The coverage available varies by limits and options of coverage. A few examples of this would be if a consumer were to purchase a liability only policy or...more
How to Not Misquote Auto Insurance When getting auto insurance quotes it is important to remember that the price that consumers are given is based upon the information begin provided to them. It is important that when getting quotes apples are being compared to apples. Many times consumers will get insurance quotes from many companies and then choose to go with the company that has the most competitive rate for the information that they had provided only to find out that the information that they supplied the carrier for their quote was not accurate.In these types of situations many times the consumer will be shorting themselves on savings. An example of this would be if a client requested and insurance quote from 3 companies and stated that they did not have any violations within the last 3 years or major violations within the last 10 years. They would then move forward with the purchase with the insurance carrier only to find out that the ticket that they have is only 2 years old and will still be a rating factor on the insurance policy. The premium will adjust according and the consumer at that point purchases the policy with the revised premium given by rating the newly...more
Get All the Available Auto Insurance Discounts When getting quotes on auto insurance policies it is important to make sure that all of the discounts available are being applied to the policy. There are many types of discounts available that can significantly reduce the premium on the policy. Some of these, for instance the good driver...more
Choosing an Auto Insurance Collision Deductible When choosing and auto insurance collision deductible it is important to compare the premium associated with the deductible that is selected. Many times the collision premium on a policy will be the largest contributing factor in the premium. This reigns true for youthful operators and drivers...more
When Auto Insurance Rental Car Coverage Is a Must Among the many options of coverage associated with auto insurance rental car coverage is one that the consumer should make an educated assessment of their personal situation to see if it is a wise choice of coverage. Many times it would not be recommended but in certain situations it is considered a must.Rental car coverage is not offered on all policies for all vehicles. Many times the consumer will need to have comprehensive and collision coverage in order to qualify for rental car coverage. This is the coverage that protects the customer so that in the event of a an accident or stolen vehicle that the insurance company will pay for or reimburse the customer for the expenses that are incurred to rent a vehicle that replaces the vehicle that is unusable. It is not required that this coverage is carried on all of the cars on the policy. It can be selected for only the vehicles that the insured chooses to have protected.Often, it would be ill advised to have this coverage selected on a policy. If an insured has multiple vehicles on a policy and has fewer vehicles than drivers paying the additional premium would be unnecessary....more
California Full Coverage Auto Insurance In California many drivers on the road are under the impression that they have a full coverage insurance policy. This is not the case. There is no such thing as full coverage. All insurance policies that...more
Auto Insurance Roadside Assistance Many auto insurance policies have the option of carrying roadside assistance coverage. Roadside assistance protection is designed to assist client immediately when they are in need of a tow truck, jump start,...more
Auto Actual Cash Value Coverage Whenever comprehensive and collision coverage is selected on a policy the vehicle is covered up to the actual cash value unless otherwise stated. Some policies are written as stated value such as commercial auto...more
Consumers Should Shop Auto Insurance Rates before Buying a Car Some vehicles can cost fifty percent more to insure. Rates can vary by year, make, model, and sub model. It will always be in a consumer's best interest to shop their auto...more
Will Traffic School Keep Auto Insurance Rates Down? Take the traffic school. One additional ticket on a driving record can make a significant increase in rates. In California, drivers are only generally offered the option to take traffic...more
How Much Auto Insurance Coverage Should Drivers Carry? For auto insurance, policy holders are only covered up to the financial limits that they purchase. Traditionally, clients are advised to review their assets when choosing coverage limits....more