State Insurance Regulator

Requirements vary from state to state. Check with your state insurance regulator to learn more about individual requirements, as well as insurers you may be considering for your policy.

Alabama

Department of Insurance
PO Box 303351
Montgomery, AL 36130-3351
334-241-4141 (Consumer Services)
334-269-3550
Fax: 334-241-4192
E-mail: ConsumerServices@insurance.alabama.gov
www.aldoi.gov

Alaska
Division of Insurance
Department of Commerce, Community and Economic Development
Robert B. Atwood Building
550 W. 7th Avenue, Suite 1560
Anchorage, AK 99501-3567
907-269-7900
TTY: 907-465-5437
Fax: 907-269-7910
E-mail: insurance@alaska.gov
www.commerce.state.ak.us/insurance

Division of Insurance
Department of Commerce, Community and Economic Development
PO Box 110805
Juneau, AK 99811-0805
907-465-2515
TTY: 907-465-5437
Fax: 907-465-3422
E-mail: insurance@alaska.gov
www.commerce.state.ak.us/insurance/

Arizona
Department of Insurance
Consumer Affairs Division
2910 North 44th St., Suite 210
Phoenix, AZ 85018-7269
602-364-2499
602-364-3100
Toll free: 1-800-325-2548 (AZ)
Fax: 602-364-2505
E-mail: consumers@azinsurance.gov
www.id.state.az.us

Arkansas
Insurance Department
Consumer Services Division
1200 W. Third St.
Little Rock, AR 72201-1904
501-371-2640 (Consumer Services)
501-371-2600
Toll free: 1-800-282-9134 (AR)
Toll free: 1-800-852-5494 (Consumer Services)
Toll free: 1-866-660-0888 (Criminal Investigations - Insurance Fraud)
Fax: 501-371-2749
E-mail: insurance.consumers@arkansas.gov
www.insurance.arkansas.gov

California
California Department of Insurance
Consumer Services Division
300 S. Spring St., South Tower
Los Angeles, CA 90013
213-897-8921
Toll free: 1-800-927-4357 (CA)
TTY: 1-800-482-4833
www.insurance.ca.gov

Dept. of Managed Health Care, California HMO Help Center
980 Ninth Street, Suite 500
Sacramento, CA 95814-2725
Toll free: 1-888-466-2219
TTY: 1-877-688-9891(Toll free)
Fax: 916-255-5241
E-mail: GenInfo@dmhc.ca.gov
www.hmohelp.ca.gov

Colorado
Division of Insurance
1560 Broadway, Suite 850
Denver, CO 80202
303-894-7499 (Consumer Information)
303-894-7490
Toll free: 1-800-930-3745 (CO)
TTY: 711
Fax: 303-894-7455
E-mail: insurance@dora.state.co.us
www.dora.state.co.us/Insurance

Connecticut
Insurance Department
Consumer Affairs Division
PO Box 816
Hartford, CT 06142-0816
860-297-3800
Toll free: 1-800-203-3447 (CT)
Fax: 860-566-7410
E-mail: cid.ca@ct.gov
www.ct.gov/cid

Delaware
Delaware Insurance Department
841 Silver Lake Blvd.
Dover, DE 19904
302-674-7310
Toll free: 1-800-282-8611
Fax: 302-739-6278
E-mail: consumer@state.de.us
www.delawareinsurance.gov

District of Columbia
Department of Insurance, Securities and Banking
810 First St., NE, Suite 701
ATTN: Consumer Protection Advocate
Washington, DC 20002
202-727-8000
202-442-7843
Fax: 202-535-1194
E-mail: disb@dc.gov
www.disb.dc.gov

Florida
Office of Insurance Regulation
Department of Financial Services
200 East Gaines St.
Tallahassee, FL 32399-0305
850-413-3140
Toll free: 1-877-693-5236
TTY: 1-800-640-0886 (Toll free)
Fax: 850-488-2349
www.floir.com

Georgia
Insurance and Safety Fire Commissioner
Two Martin Luther King, Jr. Dr.
West Tower, Suite 716
Atlanta, GA 30334
404-656-2070
Toll free: 1-800-656-2298 (GA)
TTY: 711
Fax: 404-657-8542
www.gainsurance.org

Hawaii
Insurance Division
Department of Commerce and Consumer Affairs
PO Box 3614
Honolulu, HI 96811
808-586-2790
808-586-2799
Fax: 808-586-2806
E-mail: insurance@dcca.hawaii.gov
www.hawaii.gov/dcca/areas/ins

Idaho
Department of Insurance
Consumer Affairs Bureau
700 W. State St.
PO Box 83720
Boise, ID 83720-0043
208-334-4250
Toll free: 1-800-721-3272 (ID)
Fax: 208-334-4398
www.doi.idaho.gov

Illinois
Division of Insurance- Chicago
Department of Financial and Professional Regulation
100 W. Randolph St., Suite 9-301
Chicago, IL 60601-3395
312-814-2427
TTY: 312-814-2603
Fax: 312-814-5416
E-mail: director@ins.state.il.us
www.insurance.illinois.gov

Division of Insurance- Springfield
Department of Financial and Professional Regulation
320 W. Washington St.
Springfield, IL 62767-0001
217-782-4515
Toll free: 1-877-527-9431 (Office of Consumer Health Insurance)
Toll free: 1-866-445-5364 (Consumer Assistance Hotline)
TTY: 217-524-4872
Fax: 217-782-5020 or 217-558-2083 (Complaints)
E-mail: director@ins.state.il.us
www.insurance.illinois.gov

Indiana
Department of Insurance
Consumer Services Division
311 W. Washington St., Suite 300
Indianapolis, IN 46204
317-232-2395
Toll free: 1-800-622-4461 (IN)
Fax: 317-234-2103
E-mail: idoi@IN.gov
www.in.gov/idoi

Iowa
Division of Insurance
330 Maple St.
Des Moines, IA 50319-0065
515-281-5705
Toll free: 1-877-955-1212 (IA)
Fax: 515-281-3059
www.iid.state.ia.us

Kansas
Kansas Insurance Department
Consumer Assistance Division
420 SW 9th Street
Topeka, KS 66612
785-296-3071
Toll free: 1-800-432-2484 (Kansas Only)
TTY: 1-877-235-3151 (Toll-Free)
Fax: 785-296-7805
E-mail: www.ksinsurance.org

Kentucky
Department of Insurance
Consumer Protection and Education Division
PO Box 517
Frankfort, KY 40602-0517
502-564-6034
Toll free: 1-800-595-6053
TTY: 1-800-462-2081
href="mailto:commissioner@ksinsurance.org">commissioner@ksinsurance.org
Fax: 502-564-6090
insurance.ky.gov/kentucky

Louisiana
Department of Insurance
1702 N. Third St.
Baton Rouge, LA 70802
225-342-0895
225-342-5900
Toll free: 1-800-259-5300
Toll free: 1-800-259-5301
Fax: 254-342-3078
E-mail: public@ldi.state.la.us
www.ldi.state.la.us

Maine
Bureau of Insurance
34 State House Station
Augusta, ME 04333-0034
207-624-8475
Toll free: 1-800-300-5000 (ME)
TTY: 1-888-577-6690 (Toll free)
Fax: 207-624-8599
E-mail: Insurance.PFR@maine.gov
www.maine.gov/insurance

Maryland
Insurance Administration
Consumer Division
525 St. Paul Place
Baltimore, MD 21202
410-468-2000
Toll free: 1-800-492-6116
TTY: 1-800-735-2258 (Toll free)
Fax: 410-468-2260 (life & health), 410-468-2334 (property & casualty)
www.mdinsurance.state.md.us

Massachusetts
Division of Insurance
Consumer Service Section
One South Station, 5th Floor
Boston, MA 02110
617-521-7794
617-521-7777 (Consumer Hotline)
Fax: 617-521-7575
www.state.ma.us/doi

Michigan
Office of Financial and Insurance Regulation
PO Box 30220
Lansing, MI 48909
517-373-0220
Toll free: 1-877-999-6442
Fax: 517-335-4978
E-mail: ofis-ins-info@michigan.gov
www.michigan.gov/ofir

Minnesota
Department of Commerce
Market Assurance Division
85 7th Place East
Suite 500
St. Paul, MN 55101
651-296-2488
Toll free: 1-800-657-3602 (MN)
TTY: 651-296-2860
Fax: 651-296-4328
E-mail: www.insurance.mn.gov

Mississippi
Department of Insurance
PO Box 79
Jackson, MS 39205
601-359-3569
Toll free: 1-800-562-2957 (MS)
Fax: 601-359-1077
E-mail: consumer@mid.state.ms.us
www.mid.state.ms.us

Missouri
Missouri Department of Insurance, Financial, and Professional Registration
Consumer Affairs Division
PO Box 690
Jefferson City, MO 65102-0690
573-751-2640
573-751-4126
Toll free: 1-800-726-7390 (MO)
TTY: 573-526-4536
Fax: 573-526-4898
www.insurance.mo.gov

Montana
Montana State Auditor's Office
Insurance Division
840 Helena Ave.
Helena, MT 59601
406-444-2040
Toll free: 1-800-332-6148 (MT)
TTY: 406-444-3246
Fax: 406-444-3497
E-mail: stateauditor@mt.gov
www.sao.mt.gov

Nebraska
Department of Insurance
Terminal Building
941 O St., Suite 400
Lincoln, NE 68508-3690
402-471-0888 (In Lincoln)
402-471-2201
Toll free: 1-877-564-7323 (NE)
TTY: 1-800-833-7352
Fax: 402-471-6559
E-mail: DOI.ConsumerAffairs@nebraska.gov
www.doi.ne.gov

Nevada
Division of Insurance
Department of Business & Industry
788 Fairview Drive, Suite 300
Carson City, NV 89701
775-687-4270
Fax: 775-687-3937
E-mail: insinfo@doi.state.nv.us
www.doi.state.nv.us/

Division of Insurance
Department of Business & Industry
2501 E Sahara Ave #302
Las Vegas, NV 89104
702-486-4009
Fax: 702-486-4007
www.doi.state.nv.us/

New Hampshire
Department of Insurance
21 South Fruit St., Suite 14
Concord, NH 03301
603-271-2261
Toll free: 1-800-852-3416 (NH)
TTY: 1-800-735-2964 (NH)
Fax: 603-271-1406
E-mail: consumerservices@ins.nh.gov
www.nh.gov/insurance

New Jersey
Department of Banking and Insurance
Consumer Inquiry and Case Preparation Unit
PO Box 471
Trenton, NJ 08625-0471
609-292-7272
Toll free: 1-800-446-7467
Fax: 609-777-0508
www.njdobi.org

New Mexico
Department of Insurance
PO Box 1269
Santa Fe, NM 87504-1269
505-827-4601
Toll free: 1-888-427-5772 (NM)
Fax: 505-827-4253
www.nmprc.state.nm.us

New York
Consumer Services Bureau
NYS Insurance Department
One Commerce Plaza
Albany, NY 12257
518-474-6600
Toll free: 1-800-342-3736 (NY)
E-mail: consumers@ins.state.ny.us
www.ins.state.ny.us

Consumer Services Bureau
Insurance Department
25 Beaver St.,
New York, NY 10004
212-480-6400
Toll free: 1-800-342-3736 (NY)
E-mail: consumers@ins.state.ny.us
www.ins.state.ny.us

North Carolina
Department of Insurance
Dobbs Bldg., 430 North Salisbury St. (Zip: 27603)
1201 Mail Service Center
Raleigh, NC 27699-1201
919-807-6750 (Consumer Services) (outside of NC)
919-733-3058
Toll free: 1-800-546-5664 (NC) (Consumer Services)
Fax: 919-733-6495
E-mail: consumer@ncdoi.net
www.ncdoi.com

North Dakota
Insurance Department
600 East Boulevard Ave.
State Capitol, 5th Floor
Bismarck, ND 58505-0320
701-328-2440
Toll free: 1-800-247-0560 (ND)
TTY: 1-800-366-6888 (Toll free)
Fax: 701-328-4880
E-mail: insurance@nd.gov
www.nd.gov/ndins

Ohio
Department of Insurance
Office of Consumer Services
50 West Town Street, 3rd floor, Suite 300
Columbus, OH 43215
614-644-2673
Toll free: 1-800-686-1526 (Consumer Hotline)
Toll free: 1-800-686-1527 (Fraud Hotline)
Toll free: 1-800-686-1578 (Senior Hotline)
TTY: 614-644-3745
Fax: 614-644-3744
www.ohioinsurance.gov

Oklahoma
Insurance Department
2401 N. W. 23rd St., Suite 28
PO Box 53408
Oklahoma City, OK 73152-3408
405-521-2991
Toll free: 1-800-522-0071 (OK)
Fax: 405-521-6652
E-mail: www.ok.gov/oid

Oregon
Insurance Division
PO Box 14480
Salem, OR 97309-0405
503-947-7984
Toll free: 1-888-877-4894 (OR)
Fax: 503-378-4351
E-mail: dcbs.insmail@state.or.us
insurance.oregon.gov

Pennsylvania
Bureau of Consumer Service
Insurance Department
1209 Strawberry Square
Harrisburg, PA 17120
717-787-2317
Toll free: 1-877-881-6388
TTY: 717-783-3898
Fax: 717-787-8585
E-mail: ra-in-consumer@state.pa.us
www.insurance.state.pa.us

Puerto Rico
Office of the Commissioner of Insurance
B5 Tabonuco St., Suite 216 PMB 356
Guaynabo, PR 00968-3029
787-722-8686
787-304-8686
Toll free: 1-888-722-8686
Fax: 787-273-6082
www.ocs.gobierno.pr

Rhode Island
Insurance Division
Department of Business Regulation
1511 Pontiac Avenue
Cranston, RI 02920
401-462-9520
Fax: 401-462-9602
E-mail: InsuranceInquiry@dbr.state.ri.us
www.dbr.state.ri.us

South Carolina
Consumer Services
Department of Insurance
PO Box 100105
Columbia, SC 29202-3105
803-737-6180
Toll free: 1-800-768-3467 (SC)
Fax: 803-737-6231
E-mail: consumers@doi.sc.gov
www.doi.sc.gov

South Dakota
Division of Insurance
Department of Revenue and Regulation
445 East Capital Avenue
Pierre, SD 57501
605-773-3563
Fax: 605-773-5369
E-mail: insurance@state.sd.us
www.state.sd.us/drr

Tennessee
Department of Commerce and Insurance
Consumer Affairs Division
500 James Robertson Pkwy.
Davy Crockett Tower
Nashville, TN 37243-0565
615-741-4737
615-741-2241
Toll free: 1-800-342-8385 (TN)
Fax: 615-532-4994
www.tn.gov/commerce

Texas
Department of Insurance
Consumer Protection (111-1A)
PO Box 149091
Austin, TX 78714-9091
512-463-6515
Toll free: 1-800-252-3439
Fax: 512-475-1771
E-mail: consumerprotection@tdi.state.tx.us
www.tdi.state.tx.us

Utah
Department of Insurance
State Office Bldg., Room 3110
Salt Lake City, UT 84114-6901
801-538-3800
Toll free: 1-800-439-3805 (UT)
TTY: 801-538-3826
Fax: 801-538-3829
www.insurance.utah.gov

Vermont
Insurance Division- Consumer Services
Department of Banking, Insurance, Securities and Health Care Administration
89 Main Street
Montpelier, VT 05620-3101
802-828-3301
802-828-2900 (Health Ins.)
Toll free: 1-800-964-1784 (VT)
Toll free: 1-800-631-7788 (VT - Health Ins.)
Fax: 802-828-3306
www.bishca.state.vt.us
www.vthealthinsurance.info, Virginia health insurance

Virgin Islands
Division of Banking and Insurance
No. 5049 Kongens Gade
St. Thomas, VI 00802
340-774-7166
Fax: 340-774-9458
www.ltg.gov.vi

Virginia
Bureau of Insurance
State Corporation Commission
PO Box 1157
Richmond, VA 23218
804-371-9741
804-371-9967
Toll free: 1-800-552-7945 (VA)
TTY: 804-371-9206
E-mail: bureauofinsurance@scc.virginia.gov
www.scc.virginia.gov

Washington
Office of the Insurance Commissioner
PO Box 40256
Olympia, WA 98504-0256
360-725-7080
Toll free: 1-800-562-6900 (WA)
TTY: 360-586-0241
Fax: 360-586-2018
E-mail: cad@oic.wa.gov
www.insurance.wa.gov

West Virginia
Offices of the Insurance Commissioner
1124 Smith St.
PO Box 50540
Charleston, WV 25305-0540
304-558-3386
Toll free: 1-888-879-9842 (WV)
TTY: 1-800-435-7381
Fax: 304-558-4965
E-mail: consumer.service@wvinsurance.gov
www.wvinsurance.gov

Wisconsin
Office of the Commissioner of Insurance
125 S Webster St.
PO Box 7873
Madison, WI 53707-7873
608-266-0103
Toll free: 1-800-236-8517 (WI)
TTY: Dial 711 and ask for 608-266-3586
Fax: 608-264-8115
E-mail: ocicomplaints@wisconsin.gov
oci.wi.gov

Wyoming
Department of Insurance
Consumer Affairs Section
106 E. Sixth Avenue
Cheyenne, WY 82002
307-777-7402
Toll free: 1-800-438-5768 (WY)
Fax: 307-777-2446
insurance.state.wy.us

3 Tips to Pinpoint Cheap Auto Insurance





by Jenny Finch
Send Feedback to Jenny Finch












One of the biggest ways that a consumer can save money is by finding cheaper auto insurance. Most would be amazed if they knew how much money they could save in just one year. I am going to provide you with a list that will outline different techniques that you can use to find cheap car insurance.




1. Research Online - They have long called the internet "The Information Highway". This is for good reason. There are millions of resources that are directed toward helping consumers make educated decisions, when it comes to making new purchases. And trust me; there is no shortage of information when it comes to the auto insurance industry.

2. Free Auto Insurance Quotes - One of the most helpful tools that you will find in your quest to find cheap insurance is a site that offers car insurance quotes from multiple providers. You will be able to get quotes from all the major providers. A few of the insurance providers that you will most likely see are Geiko, Progressive, esurance, etc.

3. Do not settle - This is the biggest tip that I could possibly provide. Do Not Settle. When you are looking for car insurance, you must do your research, and not act to quickly. Chances are there is a great deal waiting right around the corner.

The bottom line is that the amount that you pay for auto insurance does not have to cost as much as it does. Chances are that if you do your research and stick to your guns you will eventually find a auto insurance company, that will have a quote that you will be able to live with.


Please visit these sites for more information on where to find Auto Insurance or Auto Insurance Quotes.

Can you get auto insurance with just a learner's permit?

Yes, you can. A Drivers or Learners "Permit" is permission to drive and therefore a temporary license with certain restrictions.
You can obtain your own auto insurance or you can be covered under someone else's policy such as your parents or the vehicle owners policy, but you must have coverage.
A Drivers Permit comes with all the responsibilities of anyone licensed or not who operates a motor vehicle on public roads, including our financial responsibility.

What Should You Look For in an Auto Insurance Company?


By 


What is a car insurance? What will an auto insurance cover?
Auto insurance companies cover you and your passengers in the event of an accident. But it is up to you to decide the level of cover you will get.
Will the damages to your property be covered by the company? Will all the passengers be covered or only your family? What if your daughter was driving your car?
What questions should you ask your auto insurance company when it comes to auto insurance? This article help you choose between the various insurance policies.
Types of auto insurance
Liability insurance, or third party insurance.
This is general the lowest form of insurance offered by an auto insurance company. This is the basic insurance, if you are involved in an accident, and it is proven to be your fault, the auto insurance company will pay damages to the other party.
The cover offered by the auto insurance company is usually set beforehand. These are the maximum amount the auto insurance company will pay in case of accident
For example the agent will agree on a $10000 coverage per person, (bodily injury) and/or $40000 coverage in bodily injury and/or $10000 in property damage per accident
You need to confirm with your auto insurance company what they will cover and what are the limits.
You might be offered a very low premium by some auto insurance company only to realize that your cover is minimal and unrealistic.
Collision and comprehensive coverage, comprehensive insurance and full comprehensive insurance
An auto insurance company will also offer you a comprehensive insurance, as the name indicates, you will be comprehensively covered.
In simple terms it means that if you are responsible for a collision the insurance company will pay for the repair of the vehicle.
But it is not so simple, an auto insurance company will almost always have the final say on what amount will be paid out, so if it is cheaper to give you market value for the car, then they will.
You might think that your car is worth $1000.00 but the real market value might be $500.00. This is not an uncommon scenario. So if the repair of your car are more than $500.00 then the auto insurance company will simply pay the book value of the car.
You must make sure that the insurance company is not in control of the market value of the car, normally organisations like the AA will give an impartial market value.
As with the third party insurance, the auto insurance company will almost certainly limit the amount that will be paid out, but in general terms, a comprehensive insurance will have higher limits.
Recreation Vehicle
A recreation vehicle needs its own insurance, a Recreation vehicle insurance is not the same as auto insurance.
You should not assume that because your car is comprehensively insured, so is your recreation vehicle.
Other Types of auto insurance
Medical (MedPay), Persona Injury protection (PIP) and no fault cover
This insurance will cover you and your passengers medical expenses in the event of a collision.
The no fault cover means that the auto insurance company will pay regardless of who is at fault. This give you the piece of mind that, at the very least, your family and friends are covered.
PIP is often a minimum requirement in some countries or states, ask your auto insurance company what the requirements are.
Uninsured/Underinsured motorists' coverage
This cover, (also sometimes a minimum requirement in some states), will cover you if the person at fault is not insured or is underinsured.
You must ask your auto insurance company what you will be charged in case of such a situation. Normally the auto insurance company should not charge you some extra premiums.
Rental reimbursement, towing and labour
Those 'extras' often given with a comprehensive insurance is often use by auto insurance companies as specials.
So in case your car is damaged the auto insurance company will pay for rental costs, (sometimes only for a few days).
The auto insurance company might also offer to pay for the towing of your vehicle, (not always included).
As always you should ask your auto insurance company what is included in the cover.
The legal requirements.
Most states, and most countries will require a certain level of cover, from full comprehensive car insurance to third party auto insurance.
In most cases it is up to you, the driver, to ensure that your auto insurance company offers you the minimum required. In most cases the insurance company, (the auto insurance company), is under no obligation to instruct you of the requirements.
But of course, a good auto insurance company will, (should?), try its outmost to advise you on the best deal for you.
Find out more about Auto Insurance company [http://www.insurance-owl.com/other/car_co.php] on our website.
Insurance Owl [http://www.insurance-owl.com] gives simple, clear information about insurance. Everything, ranging from health insurance to indemnity claims, including Auto, Travel and life insurance.

Articles by Jenny Finch

by Jenny Finch
Send Feedback to Jenny Finch


One of the biggest ways that a consumer can save money is by finding cheaper auto insurance. Most would be amazed if they knew how much money they could save in just one year. I am going to provide you with a list that will outline different techniques that you can use to find cheap car insurance.




1. Research Online - They have long called the internet "The Information Highway". This is for good reason. There are millions of resources that are directed toward helping consumers make educated decisions, when it comes to making new purchases. And trust me; there is no shortage of information when it comes to the auto insurance industry.

2. Free Auto Insurance Quotes - One of the most helpful tools that you will find in your quest to find cheap insurance is a site that offers car insurance quotes from multiple providers. You will be able to get quotes from all the major providers. A few of the insurance providers that you will most likely see are Geiko, Progressive, esurance, etc.

3. Do not settle - This is the biggest tip that I could possibly provide. Do Not Settle. When you are looking for car insurance, you must do your research, and not act to quickly. Chances are there is a great deal waiting right around the corner.

The bottom line is that the amount that you pay for auto insurance does not have to cost as much as it does. Chances are that if you do your research and stick to your guns you will eventually find a auto insurance company, that will have a quote that you will be able to live with.


Please visit these sites for more information on where to find Auto Insurance or Auto Insurance Quotes.


How Oboma's Plans Could Cause Auto Insurance to Go Up



Author: Jenny Finch

President Oboma's bail out plan could cause auto insurance prices to go up. The president, with good intentions, is trying to move forward in the auto industry bail out. Unfortunately, this could lead to American's having to dig into their wallets once again. Yet, another curve ball thrown in our fight against our current economic situation.

Most American's have opted to fix their older cars, as opposed to buying new ones, in order to help them better save money thru this recession. One of the added benefits of fixing your older cars is,lower insurance rates. The cost to insure a newer car is much more. Well, At least that's the way it has worked in the past.
The amount of new cars being bought has tremendously declined recently, the result being, more hazards on the road-ways. With older cars come more mechanical problems, which in return leads to more accidents. This chain reaction could possibly trickle down till it hits your pocket book.

Newer cars are likely to be less of a risk, as far as accidents due to mechanical problems. Vehicle safety techknowledgy is also a factor when comparing the newest cars to older models. Auto insurance providers will most definitely take all of this information into consideration, and the conclusion will likely be higher insurance premiums in the near feature.

Unfortunately it seems to just be part of the bad spiral that we are in right now. We fix one problem and it causes another. Hopefully the president will have a bill passed that will require auto insurance company's to cap their rates. Until then, we are at their mercy.


About the Author:
Please visit these sites for more information on where to find Auto Insurance or Auto Insurance Quotes
Article Source: ArticlesBase.com - How Oboma's Plans Could Cause Auto Insurance to Go Up

Things to Know About Auto Insurance, Which Will Keep Your Rates Lower



Auto Insurance
by Jenny Finch
Send Feedback to Jenny Finch








Did you know that auto insurance companies significantly changed the way that they price policies over the last few years? The company that offered you the best rate a few years ago may no longer have the best deal for you. Bellow, I have put together a list of things that you can do that will help you find cheaper car insurance.






1. Shop around - The most important step is to shop around. Prices on auto insurance can vary by hundreds of dollars from company to company, for the exact same person and car, depending on the claims experience that the company has had. Some companies have changed the way that they price policies over the last few years, while others haven't. If you have a good credit record, and a good driving record, you may get a much better deal with some of the companies that have changed their rates.


2. Improve your credit score - One important way to improve your auto insurance rate is to improve your credit score. That's one of the biggest changes that insurance companies have made over the last few years. Almost all of them look at your credit score while setting your rate, and many of them look in great detail at your credit score. First of all make sure you pay your bills on time, even if you're not getting ready to shop for a loan. You can also check out your credit report at annual credit report .com to make sure that there aren't any inaccuracies that are causing you to have a lower rate then you should.


3. Buy a safer car - It is also very important to buy a safe car. Having a safe car makes more of a difference in your premiums then it has in the past. You can visit web sites like car safety .org and get crash test results for the car that you are considering buying.


4. Hunt for discounts - If you have a young driver they can generally get a discount if they have a B average or better in school, or if they take a special defensive driving course offered by the insurance company. You may also be able to get a discount if you drive your car less than 75,000 miles a year. You may also be able to lower your rate by purchasing your auto and home insurance from the same company.


Hopefully knowing these things will help you on your search for cheaper insurance. From my own personal experience the saying "Knowledge Is Power", could not be any truer. It is very important to be educated when making decisions that will ultimately affect your life.




Please visit these sites for more information on where to find Auto Insurance or Auto Insurance Quotes.

If You Have 10 Minutes to Spare You Could Save a Big Pile of Money on Car Insurance


In most areas, if you're driving a car and you don't have auto insurance, you are breaking the law. Anyone who drives has to have at least a minimum amount of coverage but I'd be willing to bet that you're paying quite a bit more than you need to for your coverage.



When you signed up with your auto insurance provider, what made you select that particular company? Were you persuaded by a talking animal? Did you empathize with the discrimination of the cavemen? My point is that most people just sign up with whichever company has a television commercial that catches their eye. What most people don't realize is that by spending just a few minutes doing some comparison shopping they are likely to find a much better deal.
The reason you see those commercials on television all the time is because there is a ton of competition among the various car insurance companies. With so many companies fighting for your business there is a great opportunity to save money. And the good news is that finding the company with the best price has never been easier.
The Internet puts a wealth of information right at your fingertips and there are a lot of websites that allow you to get multiple quotes from a number of different insurance companies so that you can compare the coverage options and prices of the various companies side by side. All you need to do is fill out a short online form with a little information about yourself and the car you drive along with how much coverage you want and then you simply click a button. The whole process only takes a few minutes and after you click that button you will almost instantly have a number of different quotes to choose from. This side-by-side comparison is the fastest and easiest way to find the coverage you need at the best possible price and will easily help you save a substantial amount of money.
Get free car insurance quotes and start saving money. Or to find a list of highly rated car insurance companies in your area Click Here!

How Will a Speeding Ticket Affect Your Insurance Rates


Consider the number of factors at attribute to the overall cost for insurance. For example you're driving history and record. What most people fail to realize are those speeding tickets have a huge impact on your auto insurance rates overall.
According to studies that revealed that speeding is the most important factor to nearly 35% of auto accidents. Obviously this means the slower we drive the safer it is and it reduces the chances of an accident. Aside from the safety factor of slowing down it has also been established that the majority of speeders occasionally reduce their speed after receiving at speeding ticket. In most case this is short lived! According to this study which tracked a speeder for a month after receiving a speeding ticket reduced their chances of a fatal accident by to less than 35%. Unfortunately the speeder did not maintain safe driving habits for much longer than a few months.



Basically what this shows along with other studies is the fact that habitual speeders have over a 50% chance of being fatally injured in a car accident than an individual who obeys the traffic laws. This is the reason why law enforcement mandates insurances and is heavy on speeders. Not to mention why insurances companies raise the rates for people with a history of speeding. Here are a few factors to consider when factoring in the cost for insurance rates with a speeding ticket:
  1. One speeding ticket will not affect your insurance rate, unless you've been citied for extremely high speeding rate of over 15 miles above the legal speed limit as posted. This will be a combination citation to include reckless driving.
  2. Depending on your previous driving record, for example a clean record, one ticket can increase your insurance rate by at least 27% .
  3. When you receive a speeding ticket one point is added to your record when an accumulation of these points are noted over a three year period expect to see an increase in your premium upwards of thousands of dollars.
  4. When you have multiple speeding tickets and points switching from your current insurance carrier to another wont prove advantageous under the circumstances. Basically your current carrier would be best to work out a deal with, especially if you have a long term history with the company.
It's always a wise choice on your behave to fight speeding tickets. There a good chance you could win the case or get lucky enough to have the charges drop on technicalities. In this case there's no real need to get an attorney. Just a little common sense and never admit your guilt.
More than 100,000 people a day receive a speeding ticket in this country!
One in 4 drivers will get a speeding ticket this year in America!
One in 6 will get approximately a 75% rate hike because of two tickets...
Les Foster http://www.speedingticketfixer.com
Les Foster - EzineArticles Expert Author

Some Ways of Getting Cheap Car Insurance in California

Author: Alien

As drivers below the age of 25 are considered to be the high risk drivers, they do not get low cost car insurance rates in California. Thus, the younger the driver is the difficult for him to get low cost California car insurance. But a few important factors can help you a lot in getting low cost auto insurance. These may include the following:



1. If you change your status to married, you can easily get insurance at cheap prices.
2. If you are able to increase your deductibles, it will help you in achieving low premium rates. However, deductibles should be increased up to the limit that you can easily afford.

3. Certain insurance companies used to provide driving classes to people in order to improve your driving capability. These are also termed as defensive driving. By joining those from the company that you are concerned with, it will provide you with the lower premium rates.

4. In California, preference is given to the car that has driving safety features. Try to buy the car that is having all such features in it. It will help you in getting low cost auto insurance from the company.

5. If you are making good grades according to the insurance company, you will be rewarded by them. Good grades include A’s and B’s.

6. One more way of achieving low cost auto insurance policy you have to live with your parents and make register your insurance policy with their name. It will serve you with the lower premium rates.

7. Also, if you visit insurance quotes from more than three insurance sites, you can get low cost insurance because the insurers that are not covered by one insurance site will be covered by another insurance site.

By following these points, one can get low cost insurance rates in California. Otherwise, it is quite difficult to get low cost insurance plans in California if you under the age of 25 years. And as it is against law of California to drive your car without having insurance, you have to buy it at higher rates. So it is advised to follow these factors and enjoy your driving by keeping yourself in the premises of law and order of the country. This will also provide you with a healthy and comfortable life as well because the fear of losses that are caused in case of a serious accident or injury is also removed.
About the Author:
Online auto insurance is a leading buy insurance online website. It's mission to become #1 website for cheap California auto insurance.
Article Source: ArticlesBase.com - Some Ways of Getting Cheap Car Insurance in California

California Auto Insurance Laws

California law requires that drivers have evidence of auto insurance if they are driving their own car or someone else’s. People who own a vehicle but don’t drive it are still obligated to have auto insurance in California.

California’s Compulsory Financial Responsibility Law necessitates all drivers and owners of an automobile to be financially responsible for their actions. The statutory minimum limits of liability insurance in California are that the person responsible for an accident that results in the death or injury of one person is liable for $15,000, or $30,000 if there are multiple injuries in one accident. The responsible party is liable for $5,000 of property damage for any one accident.

There are four techniques to realize financial responsibility, including coverage by a motor vehicle or automobile liability insurance policy, a cash deposit of $35,000 with the Department of Motor Vehicles (DMV), a certificate of self-insurance issued by DMV to owners of fleets of more than 25 vehicles, or a surety bond for $35,000 obtained from an insurance company licensed to do business in California.



When a vehicle is in an accident for which the driver is established as a legally liable, bodily injury liability covers their liability to others for injuries to them, whereas property damage liability covers their liability for damage to someone else’s property.

All California drivers and owners need to have at least the statutory limits of minimum liability insurance or an approved substitute method to compensate for injury or property damage they may bring about. Penalties are extremely harsh for nonconformity with this segment of the vehicle code. Comprehensive coverage (other than collision), uninsured motorist, medical payments, and collision insurance are not required by law but can be a good investment.

California Auto Insurance provides detailed information about California auto insurance, California auto insurance companies, California auto insurance comparisons, and more. California Auto Insurance is affiliated with Cheap Sports Car Insurance.

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

Ways to Keep Your Auto Insurance Rates Cheap


Trying to keep auto insurance rates cheap is a popular goal among most drivers. So popular, in fact, that it can be a topic bragged about or discussed at dinner parties or friendly get-togethers. Everyone wants to find a great policy from a quality company for a low price. It’s the gold pot found at the end of a rainbow so to speak, and some drivers are adamant about finding that gold.
Whether it’s a driver who desperately needs to save money on their premium or a driver who just wants bragging rights, OnlineAutoInsurance.com can help those drivers find ways to keep their rates low and as inexpensive as possible.




#1 Compare Prices Often
In order to make sure you are getting the lowest possible price, you’ll need to compare prices between different companies a few times a year. Companies occasionally increase all of their driver’s prices across the board because they are in need of more profits. While company may see fit to do this, another company may not. The end result is you finding out that you can change companies, especially to a company that is offering a lower price for the same coverage. This can only be found when the policyholder compares prices regularly. A great and easy way to effectively compare prices quickly is by using our quote comparison tool, which can be found at the top of our homepage in a box asking for a local zip code.
#2 Drive Safely and Infrequently
Safe drivers will always pay less for their insurance compared to high risk drivers or drivers who have a couple tickets and accidents on their record. Insurers know when they provide insurance for a good driver, there is little chance that the “good driver” will be filing a claim any time soon. The way an insurer makes a profit is by getting more money coming in (premiums) than what they are paying out (claims). They reward good drivers with lower rates. If you are a good driver and don’t get tickets and accidents, you’ll pay less for insurance.
Also, the more miles that are put on a vehicle every year is more evidence that it is on the road and the chances of it being involved in an accident increase. When an estimated yearly mileage is a low number, the insurer knows the driver has a decreased chance of being involved in an accident and therefore the insurer can afford to lower their premium. Many people have an option to take a bus to and from work or school or to run errands. Others can use a cab or carpool with friends, neighbors or co-workers. There are ways to get around constantly using a car, which can lower your premiums.
#3 Take Advantage of Discounts
Don’t ever be too prideful to take advantage of the discounts that are offered by an insurer. If you don’t qualify for discounts, figure out what changes can be made that will allow you to qualify for discounts. Even if you only save a few dollars with a few discounts, they do add up to savings. Each auto insurance company may differ in their qualifications, so ask them before assuming you do qualify.
To name a few discounts that are offered, the good driver discount, good student discount, defensive driving course, and senior citizen discount are a few that typically offered by most insurers. There are also discounts offered for children who are attending colleges farther than 100 miles away as well as loyalty and retirement discounts. A responsible driver has a very good chance of qualifying for at least one discount.
#4 Clean Up Your Credit Report
Some insurers use a driver’s credit score to help determine their rates. They feel there is a connection between the driver’s financial responsibility and their ability to take responsibility behind the wheel. Their statistics can show how drivers with lower credit scores are involved in filing more claims. To some drivers it is an unfair use, especially if they’ve struggled financially due to chronic illness or job loss. Credit score isn’t always something people connect to auto insurance, but in some cases it is. Do your best to increase your credit score and get the negative marks erased.
#5 Lower Your Coverage
An easy way to get cheap auto insurance rates is by lowering the coverage amounts or dropping certain coverage types altogether. Every driver must carry the state requirements, but past that drivers can carry as much or as little coverage as they desire. Of course, it’s the best and safest route to have as much coverage as possible to protect the policyholder’s assets. But some people simply can’t afford full coverage. Go through the different parts of coverage on the policy and decide whether or not they are truly needed.
#6 Look at Your Vehicle
The type of vehicle that is driven and insured drastically affects the insurance premium cost. Older cars are less expensive to fix than newer, luxury cars and therefore cost less to insure. Vehicles that have certain safety features are also less to insure than vehicles without safety features. Sports cars, especially the ones driven by young males, are very expensive to insure because statistically they are involved in many accidents and filed claims. Insurers try to protect their earnings by increasing the premiums on certain vehicles. Contact your insurer to find out what cars could cost you less.
Getting cheap rates may initially seem like an unrealistic dream or goal, but it can happen when drivers do their homework and shop around. Taking responsibility and avoiding tickets and accidents by driving safely and obeying traffic laws will always help drivers get the best rates possible, especially in the long run. The other big thing to remember is to constantly compare rates to see what the going price is for the coverage you want. It would be sad to realize how much you could have been saving if only the comparing process began months ago.

5 Things to Know About Auto Insurance - Video



Teen Auto Insurance - How to Get it Cheap


Are you wondering how to get teen auto insurance cheap? Don't worry, you are not alone, and many other people are often wondering how to get it as well. There are some key factors that come into play when you are trying to figure out how to get inexpensive car rates. One of these keys is to assess how much you are going to be driving. Obviously, someone who drives less is going to get a cheaper rate than someone who is going to be driving 20,000 miles per year.
So in order to get cheap teen auto insurance, you will need to cut down on your driving for sure. Keeping it around 5000 miles per year will get you a much lower rate. This is because these people are at a much lower risk to get into an accident than other people who are driving more miles.
You also need to do research to find out which company is going to offer you the lowest teen auto insurance rate. There are certain companies that will give you a better rate than others, you will just have to go around and talk to different ones.
Those two things will really be key to getting a cheap teen auto insurance quote; your mileage per year, and the company that you go with. Some people underestimate how much money you can save by simply reducing the amount of driving that you do. Also, it literally pays to shop around and find the right company as the right one is right around the corner.
Just do a little bit of preliminary research and find out which companies are giving good quotes, and go from there. Getting a cheap teen auto insurance quote is really easy, you just have to look around and follow these keys.
Learn More About How to SAVE on Auto Insurance

How to Find Cheap Affordable Auto Insurance


Finding cheap auto insurance is much easier today than it use to be,thanks to the internet. You just have to find a site that offers policies from many companies and then you can compare quotes. No longer do you have to physically shop from company to company.
First shop different companies and compare the premiums.See what coverage they offer you. Don't be afraid to get many quotes, in fact you should. Search online to get quotes because you need to copmare prices and make sure you are in fact getting a good deal on your insurance policy. Remember that it is important to compare those quotes and also the policy to make sure that you have enough insurance in case the worse happens.
Secondly, after you have gathered different quotes now it is time for you to compare them and make sure that the coverage is adequate for your needs. A low price may not give you the right package to meet your needs so check the policy for the price and choose the best one for your needs.
Lastly, Check with the different companies to see what kind of discounts they may offer, such as good driver or good student or multiple car discounts these options can offer you great savings. There are also multiple insurance policies that can help you save money if you are able to purchase a policy for several types of insurance. Once you find a policy that has a great policy and it is affordable then you can feel comfortable.
Find: Discount Auto Insurance
Buy Cheap: Car Insurance
Bryan Burbank is an expert in the field of Discount Insurance.
Bryan Burbank - EzineArticles Expert Author

What Kind of Discounts Are Available on Auto Insurance? Getting Discounts is an Easy Way to Save


The fact that you are researching possible auto insurance discounts shows initiative. You are a smart shopper who knows that a penny saved is a penny earned and when it comes to insurance premiums you could save a lot more than a few pennies. This article is going to go over some of the most commonly available discounts that most auto insurance providers are likely to offer.
Insurance companies set their prices by trying to determine the level of risk a potential customer presents to the company. Anything that you can do to lessen your perceived risk could result in making you eligible for discounts. Discounts are commonly available for things that make you "less risky" in the eyes of the insurance companies. The following items are common discounts available with most insurance companies.
Maintaining a good driving record
If you can go without having an accident or any moving violations for a given period of time you will probably be eligible for a discount. The amount of time required without incident may vary from one company to another but a good driving record indicates that you are less of a risk.
Maintaining a high GPA (if you are a student)
Auto insurance can be very expensive for younger people because statistically people younger than 25 years old are more likely to be involved in a collision. If you maintain a good grade point average many insurance companies will offer a discount because you will be viewed as being more responsible and therefore less of a risk.
Having an antitheft device
If your car has an alarm system or some other type of antitheft device it is statistically less likely to be stolen or vandalized and this means that the insurance companies are less likely to have to pay for repairs or to replace a stolen vehicle.
A car with good safety features
Things like antilock brakes and airbags can help to avoid accidents or to reduce the severity of injuries if an accident should occur.
Having multiple cars or drivers on the same policy
This is one of the common discounts that does not necessarily reduce the risk to the insurance company but it does increase the amount of revenue that the insurance company receives. If you, your spouse, and your child are all on the same policy you will be eligible for a discount with most companies. It's sort of like buying in bulk to get a discount.
Bundling different types of insurance
Another way to get a discount is to have more than one type of policy with the same company. For example if you have your auto, homeowners, and health insurance all with the same company, you may be eligible for discounts on each of those policies.
The discounts offered may vary quite a bit from one company to another so a quick phone call to your insurance agent could reveal an opportunity to save money. You may be eligible for discounts you never would've thought of. Getting discounts is a great way to save money on your premiums but the easiest way to make sure you're getting the lowest price available is to get a few quotes from a number of different companies. Getting multiple quotes online is fast, easy, and best of all it's free. A few minutes spent getting quotes could reveal an opportunity to save a substantial amount of money.
Get free car insurance quotes and see how much you could be saving. A few minutes of your time could save you a lot of moneyClick here

Google+ Badge

My Blog List

There was an error in this gadget