Archive for the ‘Cheap Auto Insurance’ Category.

Cheap Car Insurance: Don’t Forget about Customer Service

If you had to rank the most important criteria for buying car insurance what would be the items on your list? Would you only be concerned about price? Unfortunately, that seems to be the one deciding factor causing people to sign with one insurance company over another. Yet while price is important, you can’t forget the idea of customer service. You will need good customer service if you ever have to:

  • deal with billing issues
  • make changes to your policy
  • file an accident claim

It’s great to be able to get cheap car insurance for just a few hundred dollars per policy period, but if the customer service doesn’t exist you could end up spending more money in the long run. Customer service should definitely be near the top of your list of criteria.

Measuring Customer Service

It’s easy to look online and find prices for various car insurance companies. When it comes to customer service, it’s a little trickier. The best place to start is with a professional market research company like JD Power and Associates. Market research is all JD Power and Associates does, but they do it extremely well. In fact, they may be the most well respected firm in the business. They rate car insurance companies according to a list of factors, customer satisfaction being among them.

The next thing you can do is simply search for customer reviews of a given insurance company; customer review websites are a dime a dozen across the Internet. You’ll find lots of anecdotal stories, some more detailed than others, chronicling the experiences various customers have with their insurance companies. The only thing to remember about these sites is that the vast majority of comments are going to be negative. Don’t be alarmed by this. Studies have proven that unhappy customers are far more motivated to leave reviews than happy ones.

Third, do an informal survey among your friends and relatives. Find out what car insurance companies they use, whether or not they are happy with the price, and whether or not they’re happy with the customer service. Since they have no professional or personal interest in seeing their insurance company succeed you’re likely to get pretty honest answers from them.

Getting Satisfaction

In the event you have a customer service issue with your car insurance provider you do have recourse. Every state requires insurance companies operating within their borders to be licensed and overseen by the state insurance department. As such, consumers can file complaints with their state agencies accordingly. As long as the insurance company has not broken the law the state can’t require them to perform a specific action, but just knowing they are being watched keeps many insurance companies in line.

In the event that filing a complaint with your state insurance department proves unsuccessful you can retain the services of an attorney. The threat of potential litigation is something car insurance companies try to avoid if they can. In most cases a skilled attorney can settle with your insurance company out of court. If you do decide to pursue this option just be sure to use an attorney who only charges if you win your case. You don’t want to be stuck with legal bills should you end up losing.

Hopefully customer service is not something you’ll ever have to deal with when it comes to your car insurance. But if you ever have accident that requires a claim, poor customer service will rear its ugly head. When you’re searching for affordable car insurance make sure you find a company that treats its customers well.

If You Can’t Find an Inexpensive Auto Insurance Quote

It can be quite frustrating to spend the time searching for affordable insurance only to realize that you can’t find an inexpensive auto insurance quote anywhere. If this sounds like an experience you’ve had there are a couple of possible reasons for it. Those reasons might include your driving history, the other drivers living in your household, the type of car you drive, and even your credit report.

When you call a company looking for an inexpensive auto insurance quote they ask you a lot of questions. With so many factors involved there could be a number of things affecting the price you’re quoted, to the extent that all of your quotes seem unreasonably high. Let’s look at a few of these factors individually.

Driving History

When preparing a quote the car insurance company first begins with the principal owner of the vehicle. They will look at that person’s driving history for previous claims, violations, and anything else that might raise a red flag. In addition, if there are any other licensed adults living in the same household the car insurance company will look at their histories as well. The reason for this lies in the assumption that it’s quite likely all the drivers will at some point be behind the wheel of your car.

If you or the other drivers in your household have a history of violations and accidents, that tells the car insurance company you are a greater risk behind the wheel. In order to reduce the chances that they will lose money on you, they will charge higher premiums. The worse your driving history, the higher your rates will be.

The Type of Car You Drive

In terms of liability coverage, some vehicles are inherently less safe than others. For example, a large SUV with a fairly high bumper will tend to cause more damage than it will receive if it’s involved in an accident with a compact sports car. That greater potential for harm also means a greater potential for liability and therefore, higher rates. Since liability coverage is all about protecting other drivers from you, your rates will be in direct proportion to the amount of damage or injury your vehicle could cause.

In terms of collision and comprehensive coverage your rates will be determined in relation to how valuable your vehicle is. The more expensive it is to replace, the more you’ll have to pay. It’s difficult to find an inexpensive auto insurance quote on high-end cars.

Your Credit Report

Finally, getting an inexpensive auto insurance quote requires that you have good credit. Poor credit signals to an insurance company that you may not pay the balance of your premiums over the course of a policy term. This opens them up to some risk should you have an accident without your premium payments being up to date. While a poor credit score won’t send your insurance rates through the roof, they will add to the price of your premium.

How to Get Cheap Auto Insurance

If you are like me then you are probably looking different ways to save money every chance that you get. To that end, car insurance is no different at all. The good news is that there is a way to get cheap car insurance in the blink of an eye.

 

When I began to realize that I needed to learn how to get cheap auto insurance I started to realize that unless I found a way to get quotes from a few different companies that work with drivers in my area there was no way. Luckily, I hatched a plan that allowed me to do just that. I had cheap auto insurance in a matter of days.

How to Get Cheap Auto Insurance

How to Get Cheap Auto Insurance

So, you are probably asking yourself how I pulled this off, right? Well, the first thing that I did was realize that I could use the internet to contact several different insurance companies. I was able to find a website that hooked me up with these companies just by asking me what my zip code was. Once I submitted my zip code I was forwarded a list of possible insurance agents and companies that would be willing to work with me. The key was figuring out which one was going to give me cheap auto insurance.

 

I next filled out a free rate quote request for each one of the companies. The rate quote request forms asked me information about my driving history as well as my age and type of car that I have. These questions are very important as you do not want to mislead them on the rate request form. Ultimately, you will have to answer the questions truthfully which means that your rate will most likely change. In addition, if there is a place on the form for notes make sure to mention that you are after the cheapest coverage that you can get your hands on. Doing this will ensure that you get quoted for the least expensive car insurance possible.

 

Once you get back the price quotes from the different companies you have to begin comparing them together. Since you are after cheap auto insurance the first thing that you need to do is look at the price. If the price of the policy is more than you are willing to pay then you know that it is out of the question. However, if you get some quotes back that are cheap enough for you then you can look at them further. See which cheap car insurance quote offers you the best coverage and go with that one. Doing this will give you the best of both worlds- you get cheap car insurance and you get a decent level of coverage.

 

If you are trying to figure out how to get cheap auto insurance you should have no problem at all. If you have a somewhat safe driving record and are not a high risk there is no reason why you shouldn’t be able to get auto insurance at a low price.

Cheap Auto Insurance for Senior Citizens

Are you a senior citizen? If so, you are privy to a lot of different benefits. However, car insurance premiums are not one of them. The unfortunate truth is that you will have to pay a bit more for your car insurance if you are a senior citizen. Much like young drivers, senior citizens are going to be quoted higher prices because they are going to be seen as a higher risk. While this may not always be fair, it is true. If you are a senior citizen another truth is that you may be operating on a limited income- you do not want to be spending all of your money on a car insurance policy. Instead, make sure to get the best price that you can.

Cheap Auto Insurance for Senior Citizens

Cheap Auto Insurance for Senior Citizens

One of the very best things that you can do if you are hunting for cheap auto insurance for senior citizens is to make sure that you are working with a good company. The bottom line is that some insurance companies have experience working with older people- this is who you want to get your policy from. For example, there are companies that specialize in serving retired adults that need affordable car insurance. Identify a few of these companies and begin by asking them exactly what they would charge you. Once you find a company that you like you can go ahead and buy the policy.

Another way that you can get cheap auto insurance for senior citizens is to combine a few policies together. If you own a home then you can combine the homeowners insurance with the car insurance in an effort to lower the rate. This is nice because most companies will give you a substantial discount if you are able to have a few policies with them. What you want to do is make sure that you ask each company what kind of multi-policy discount you can get. Some will probably give you a bigger discount than others which means you will want to go with that company.

The bottom line is that you need to shop around and compare different quotes. If you are able to receive quotes from a few different places then it will be easy to compare them together in order to see who is going to give you the best amount of coverage.  Once you see that a company is superior to another in terms of price you can simply go ahead and make the purchase.

Cheap auto insurance for senior citizens is a necessity for some people. If you are a senior citizen that is on the lookout for a better car insurance price then you should be able to find one if you look around closely. One of the bet things that you can do is ask some of your friends or relatives where they are getting their car insurance. You may just be surprised to find out that they are getting a great price while you are overpaying on your auto insurance premium.

Cheap Auto Insurance for Women Drivers

The truth of the matter is that women oftentimes pay more for their car insurance then men do. Now, you may think that this is unfair but it is simply a cold hard fact. For whatever reasons, the car insurance companies view women as being riskier drivers than men. This means that if you are a women driver that you are going to have to search far and wide for cheap auto insurance. The good news is that cheap auto insurance for women drivers does exist if you know where to look for it at. Just think- you could take the time to find a good policy today and be enjoying the savings as soon as tomorrow!

Cheap Auto Insurance for Women Drivers

Cheap Auto Insurance for Women Drivers

One of the best ways to get cheap auto insurance for women drivers is imply to shop around and compare quotes. Car insurance is just like anything else- the more you shop for it the ore likely you are going to get a good price. Now, shopping for car insurance may not be as desirable as shopping for shoes or purses but it is necessary if you want to get the best deal possible. When shopping for cheap auto insurance for women drivers there are a few things that you can do.

The first thing that you can do is begin to contact eh insurance agents in your area that service local drivers. You can go through the phone book and call each agent up to get some information from them. Make sure to let them know that you are a driver that is looking to get the lowest price possible.  There is a good chance that they will take some information from you over the phone and give you a quote right there on the spot. This is nice because you will be able to communicate with the different agents person to person and ask them any questions that you may have. Make sure you tell them that you are a safe women driver that is looking for the best price on car insurance.

The best way, however, to get cheap auto insurance for women drivers is to get your different quotes online. In my estimation this is the easiest way to get the quotes that you want is by utilizing the power of the internet. You will be able to request free quotes in a matter of minutes just by filling out a few online forms. The nice thing is that you will be able to note right on the form that you are looking for the cheapest rate. That said, because you are a women some companies may inherently view you as an at risk driver. Make sure to compare the different quotes together so that you are sure to get the one that is the cheapest for you.

Cheap auto insurance for women drivers is a real possibility. There’s no reason why a safe women driver shouldn’t be able to get car insurance for a low rate just like a man would. Shop around, get free rate quotes and enjoy the savings.

7 Steps to Cheap Auto Insurance

1. Find Companies Online – This is the first step to getting cheap car insurance. Simply put, using the internet will allow you to access all of the contact info that you need in order to get a hold of the companies that service drivers in your area. On top of that, it will allow you to access all of this vital information very quickly.

 

2. Look for Discounts – After you have located a few insurance companies that work with drivers in your area you will want to investigate each one to see what their discount programs are like. After all, the discounts are going to be what makes the insurance cheap for you. If you are a good driver, for example, you will want to work with a company that will reward your god driving habits as opposed to a company that will just omit them.

 

3. Fill out a Free Auto Insurance Quote Request Forms – The next thing you need to do is fill out a form from all of the companies that you are interested in. The form will ask you information about your driving history as well as information about the type of coverage that you want. Make sure to be honest when filling out the form as you do not want to mislead the insurance company. They will ultimately determine what your driving history is and adjust the quote accordingly.

 

4. Compare Multiple Quotes – After filling out the rate quote request forms you will have to look at each individual quote to see what it looks like. Make sure to look at the total price as well as the total level of coverage. These two things will be key in determining whether or not the auto insurance is cheap or not.

 

5. Adjust Coverage – After you get your quotes back you will want to adjust the level of coverage to make sure that it suits your needs in terms of price. For example, you can lower the overall price of your policy if you raise the deductible. This will really help to make the auto insurance much cheaper. In addition, you can also change the type of coverage that you were quoted. Instead of full coverage you can opt for just liability coverage which will lower your price. It should be noted, however, that liability coverage is a lower form of coverage that will mean you have to pay more in the event of an accident.

 

6. Ask Questions – Once you think you have found a policy that you want to buy it is a good idea to ask the agent a few questions. You will want to make sure that he is going to be there for you when you need him the most. Ask about the policy in regard to customer service- make sure that you like the answer. There is nothing worse than not being able to get ahold of your car insurance agent when you have just been in an accident.

 

7. Buy the Policy – The last step is actually purchasing the cheapest policy that you can find! At the time of purchase make sure that you have enough money to afford the first payment as you will have to pay it immediately.

Cheap Auto Insurance for Bad Drivers

Do you consider yourself to be a good driver or a bad driver? The fact of the matter is that it doesn’t really what you consider yourself- your driving record will speak for itself. If you have a reputation for being a bad driver then there is a good chance that you are paying way too much for your car insurance. There are, however, a few things that you can do in order to make your car insurance a bit more affordable. By doing these few things you will be able to realize some significant savings in a relatively short period of time.

Cheap Auto Insurance for Bad Drivers

Cheap Auto Insurance for Bad Drivers

This may sound very simple, but in order to get cheap car insurance for bad drivers one of the things that you can do is drive safe. If you slow down there is less of a chance that you will get a speeding ticket or be in an accident. The fewer tickets that you get and the fewer accidents you are in means that you will not be viewed as such a bad driver. A tip that may be useful to you is that you should only report major accidents to your insurance company. If you are in a minor scrape or fender bender you are better off just paying for the damages out of pocket. Over the long run the less claims you have against insurance will mean the less you have to pay.

Another thing that you can do is work with a company that is experienced in dealing with bad drivers. Simply put, they will be able to better understand your current situation. Not that they will give you a discount immediately, but they will give you a chance to prove yourself. If you are able to show that you are not a bad driver they will be more inclined to give you a better rate. The thing about cheap car insurance for bad drivers is that it doesn’t always have to be for a bad driver. Become a safe driver and you will see your rate tumble.

Another thing that you can do make your car insurance cheaper if you are a bad driver is to adjust your coverage. For example, if you want the overall price of the policy to be cheaper you can simply raise your deductible amount. Doing this will drop the overall price of your policy. Another example would be if you changed your policy to the minimum coverage. Doing this will mean that you are less protected but you will also be paying a lower price. No matter how you cut it, you will be paying a lower price for your policy.

If you compare quotes and work with a company that understands you there is no reason why you should not be able to get affordable car insurance- especially if you are working on becoming a good driver. Cheap auto insurance for bad drivers is a real possibility for most people that are willing to take the time to go out and find it.

Cheap Auto Insurance with No Down Payment

So, you are after cheap auto insurance with no down payment. The good news is that it is possible to get this type of deal if you know what you are doing. The simple truth of the matter is that if you ask the right people, the right way you can get the cheap auto insurance that you want for the down payment that you can afford. The key is to take your time when shopping around for your insurance. Even if it takes you a few weeks to find it will be worth it since you will not have to pay a down payment to get the cheap auto insurance that you want.

Get Cheap Auto Insurance with No Down Payment

Get Cheap Auto Insurance with No Down Payment

The first thing that you need to do is find a few agents that will accept your business with no down payment. If you are a good driver this should be easy to do. If, however, you are a poor driver it will be much harder to accomplish. If you have a history of getting into accidents or getting speeding tickets it will be much more difficult to get the no down payment insurance that you are after. Make sure that after you locate the companies you want to work with that you take the time to ask them what the criteria is for getting cheap auto insurance with no down payment. They will be able to tell you immediately if this is something that you qualify for or not.

You may also want to consider the fact that you can get cheap auto insurance with no down payment from a few different places if you bundle your coverage’s with them. For instance, if you have renters insurance you can combine it with your car insurance and receive a discount. As long as you have been a good customer in the past to a certain car insurance company there is no reason why you should not be able to get a good deal on your car insurance while eliminating the down payment. Once again, it is very important to ask the different agents that you are dealing with to ensure that you are able to get the insurance that you want with no down payment.

A final thing that you can try is rolling your down payment into the price of the policy so you do not have to pay it upfront and all at once. Even if you are forced to pay a small down payment it can be much more affordable if it is mixed in with your monthly premium. Ask the agent if this is a possibility as this is a very popular solution to the no down payment problem. In essence, this will just allow you to pay your premium in a few equal installments instead of having to pay a large lump sum upfront.

If cheap auto insurance with no down payment is your goal then there is no reason why you shouldn’t be able to find it. With a little patience and looking around you should be able to find what you are after in no time at all.

Tips for Getting Cheap Auto Insurance Coverage

If you’re in the market for cheap auto insurance coverage you’re not alone. More than ever people are looking for ways to save a few dollars and stretch their budgets further. You can do that with your auto insurance by knowing how insurance works and applying some very simple principles. We’ve listed below a handful of helpful tips that should point you in the direction of less expensive coverage.

 

Consider Only Liability

 

The best way to keep the cost of your car insurance down is to consider getting only a minimum liability policy. This type of policy is the absolute cheapest because it doesn’t pay for actual damage to your car. It only pays for bodily injury and property damage. But if you’re driving an older vehicle with a resale value not more than a couple of thousand dollars, it probably won’t be worth your while to put the extra money into collision and comprehensive. In your case, your car dictates you can probably do better with just a liability policy.

 

Ask for Discounts

 

One of the best-kept secrets in the car insurance business is that of discounts. Discounts are used most of the time to entice customers who are thinking of leaving to change their minds and stay. They are more less incentives to help car insurance companies retain their loyal customers. That said, if you’re willing to call your representative and press the issue you will be eligible for more discounts than you know. Some of discounts that lead to cheap auto insurance coverage include:

 

- safe driver discount
- senior citizen discount
- student discount
- trade group, alumni, or civic group discount

 

These are just a small sampling of discounts available to car insurance customers. Each company has its own list; you’ll have to inquire as to what your provider makes available to you.

 

Bundle Your Policies

 

You’ve probably heard sales pitches promising that the “more you spend, the more you’ll save.” We can’t speak of furniture stores or electronics, but we can say this principle holds true when it comes to insurance policies. If you’re willing to bundle together your homeowners, auto, and life insurance policies with the same company you will get a cheaper rate on all of them. Bundling your policies is perhaps the best tip for cheap auto insurance coverage because you realize so many additional benefits from doing so.

 

Buying a New Car

 

Our last tip comes by way of buying a new car. If cheap auto insurance coverage is a priority you need to look at your new car options from that standpoint. Remember that you’ll get discounts for safety features including airbags, anti-lock braking systems, and traction control. You’ll also get a better price if you choose a car that is less costly to replace. The best way to determine insurance cost for a specific model of new car is to just run an Internet search on vehicle cost of ownership. It’s usually pretty easy to find the information this way.