How Much Should You Really Be Paying For Auto Insurance

It's a fact that most states have different rules regarding car insurance. But most people don't take the time to look at their policy and coverage limits. While we can cover a number of discounts that are available, there are also things that you should review with your policy.
Here are a few ideas to try:

Discounts Based on Your Car and Driving Habits

Many car insurance companies provide discounts for newer cars that have safety features such as side and side curtain airbags, as well as security systems, as Forbes notes. Be sure to have your car's safety and security features available to your prospective insurer for maximum discounts. Color may not be a significant factor, but different vehicle designs make a difference. For example, a Smart car has a worse crash safety rating than an SUV, for example.
One other factor to consider is how you actually drive. If you don't put many miles on your car, thanks to a short commute or it being the second car, you can use that to your advantage. There are special low mileage policies that provide significant cost savings for car insurance. A number of companies also allow you to put tracking devices on your car to monitor whether you drive slowly and reasonably.

The Hidden Discounts: Deductible and Other Limits

Look at your finances for a second, how much you make per month and how much you pay for your car insurance. If you have really low deductibles on your policy, say $200, you may be spending a large amount on coverage that you don't really need. For example, if you can handle $500 for a higher deductible on an accident, you may be able to save hundreds of dollars per year.
You need to weigh whether you can afford these out-of-pocket costs, and just how safe a driver you are. If you rarely get into trouble, a high-deductible policy could work for you, especially if you have some cash reserves.
The other factors that can influence these are protections for personal injury claims, as well as thing s like rental car coverage. If you like the security of knowing you'll have a rental car while yours is in the shop, that may be a good thing. In general, most of these things are rarely needed and could be costing you money, too.

Most Expensive Cars To Insure

Posted June 27, 2011
Stacy Smith, Researcher
Most Expensive Cars to Insure While there are a number of factors that take part in the price of your auto insurance such as your location, age, credit score, gender and your driving record, one of the most crucial factors that affect your auto insurance premiums is the type of vehicle that you drive. One reason for this is because some cars cost more expensive when it comes to repairs and maintenance. Another reason is because some cars are targeted more often by car thieves.
While the obvious cars that are most expensive vehicle makes to insure are Porsche, BMW, Jaguar, Ferrari, Mercedes, Aston Martin among other expensive cars coming in at over or around $3,000 yearly, we are going to focus more on vehicles that are for the average, modern-day family and individuals – in other words, not millionaires.

Honda S2000

With a price tag of around $35,000, this car is not for an average family as it is a roadster with just two seats and a four-cylinder engine. It may be a small car but it has the speed to take you anywhere you want to go with 237 horsepower and 162 pounds of torque. However, it’s going to cost you in insurance premiums at about $1,500 on average.

Ford F-150 FX4

Known as one of the best selling vehicles across the country with some of the best pulling torque, the Ford truck also costs about $1,500 on an annual basis to insure and costs up to $50,000 to purchase.

Dodge Ram 1500

Among one of the popular pickup trucks to purchase, the Dodge Ram 1500 doesn’t hold back when it comes to proving its point on the road and it sure doesn’t when it comes to auto insurance. Premiums run a little less than $1,500 yearly.

Scion TC

A very popular car among youngsters, this vehicle makes the list of most expensive cars to insure because of that. The driver, usually under 25 years of age, is what makes this vehicle so expensive in auto insurance premiums. The Scion TC will also cost you around $1,500 per year for insurance.

Nissan Altima

A very popular four-door classy car by Nissan, the Altima is a gorgeous car. This vehicle is among the top selling vehicles in the country but also costs just shy of $1,400 on average for auto insurance premiums on a yearly basis.
As you can see, the most expensive vehicles to insure are very diverse – that is, when you take out the BMW, Mercedes, etc. We have a mini sports car, trucks, as well as classy four-door sedans. Regardless of your choice, these vehicles are going to cost at least around $1,400 on average to insure on a yearly basis. Shop smart and choose wisely.

Does My Address Affect My Auto Insurance Rate

Auto insurance rates in California are determined by many factors. One factor that people will experience is that when they move to another city, their rates change.
A customer changes their address on their auto policy and are shocked to see that their rates either go up or down.
Don’t be surprised… but one factor for determining your rates is your city (or zip code).
Why? Because rates are determined based on claims, driving habits, losses, and other factors in your city. If you drive in a city known for many claims and high population density, expect your rates to be higher.
So next time you call your agent to tell them you’ve moved, dont’ be surprised and keep your fingers crossed!

Jim's Car Wreck! Important Auto Insurance Tips for Jill

Online Auto Insurance Quotes

Online Auto Insurance Quotes

Online Auto Insurance Quotes
Getting auto insurance coverage is not as easy as buying cigarettes from grocery stores. You should mull over the factors that have to be considered in getting an insurance policy. For instance, the type of coverage that you need, the minimum required by the state, the credibility of an insurance firm, and most importantly the price. In fact, if you will try to compute the accumulated amount over a decade, the money that you could probably spend on auto insurance would be huge. That is why you should not make rash decisions when closing a deal from car insurance online quotes.
Although it is a reality that auto insurance could be expensive, there are a lot of ways to find insurance policies that are affordable. Depending on the type of coverage you choose, the price could go as low as $33.20 per month. All you have to do is shop around and never get jumpy on the first affordable insurance quote you’ve found. Remember that there are a lot of auto insurance firms that offer low rates with good coverage.
The best way to shop around is through online. There is a law that requires insurance firms to create a website where consumers could request for auto insurance quotes. And if you know how to find those websites, you can gather as much auto insurance quotes online, and compare them based on their rates and the coverage they offer. Once you have sorted out which of them meets your preference, you can then call their sales representatives, free of toll.
If you still think that the auto insurance rates they offer are too high, checking your driving records could be worth it. Note that auto insurance companies look over their applicants driving records as one of their basis in determining the rates. If you have a driving record that contains numerous counts of traffic violations and accidents, it is possible that they have clustered you to the high-risk group that has more likely high insurance rates.
Another thing that you should be aware of is the presence of bogus insurance websites online. For sure, these websites cannot give you reliable quotes especially if you are solely searching for car insurance online. One way to spot one of these is to check if they have agents that are willing to address your concerns via phone or chat. That is why in searching for car insurance online you don’t just have to be wise, you should also be observant and cautious.

Tips on Finding the Right Auto Insurance Company

Finding the right auto insurance company that could support and address your insurance needs is a bit difficult nowadays. Note that there are a lot of auto insurance companies that speaks almost the same but in reality their services meagerly satisfy their clients. Although most of these companies have their auto insurance agents available but it’s not all the time that they are available online. And if they are, some just couldn’t clarify the doubts you have in mind. Because of that, you need to become meticulous in picking the right insurance company for your car and other properties.
Tips on Finding the Right Auto Insurance Company
All of auto insurance companies have their own website(s). It is required by the government that they should have one so that they could give the consumers the lowest estimate of their possible rates, based on a price range a consumer sets. That is one way for customers to find cheaper auto insurance rates. However, if you will try to compare their websites, almost all of them speak of nothing but flowery words to promote their services. As you can notice, all of them, including car insurance agents, have similar lines of speech that are sometimes too good to be true. But who are we to judge? Well, we are the consumers and we are entitled and even encouraged to speak had we experienced dissatisfaction with insurance companies.
Because of that, the best way then to gain clear-cut information about auto insurance companies is through venues that consumers can freely express themselves. Simply put, forums and customer review sites wherein the comments, claims, etc. are not moderated and bias to any insurance firms. If you are wise enough to find and visit one of these venues online, you might gain insights that could sure help you in finding the right auto insurance company that suit your needs. Although even top insurance firms have underbellies, but choosing the right auto insurance means accepting the negatives that doesn’t affect you much while pursuing the positive aspect in which you badly need. In other words, there should be some degree of compromise.
There are also websites online that are associated to a lot of insurance firms. These websites are neutral websites that only seeks to provide non-bias recommendations about which auto insurance companies can best cater what you want. Note that they are aware that insurance firms have their weaknesses and strengths, that is why they are the best websites to go to if you want reliable resource. In fact, some of them have their own auto insurance agents in which you can speak to if you need information about auto insurance.

How does a speeding ticket affect your auto insurance?

If your are over twenty five and this is the only ticket on your record in the last three years it will make little difference on your auto insurance rates. Insurance companies do not necessarily review your driving record every year. It is checked when you first apply and then it depends on the policy of that particular company.
The problems will start with your second ticket. That is why it is important to keep any and all tickets off your record. Many states will allow you to take traffic school or they have a deferment program.
Check the laws in your state to see what options are available. In most cases just showing up on your court date will allow you to negotiate for a reduction in the fine and points.
If you drive a company vehicle or have a CDL license it is very important to keep your driving record clean because the records of these drivers are checked every year.
As a general rule you can expect one four point ticket to increase your insurance premiums by at least 50% for each of the next three years. In many cases it is cost effective to retain an attorney.

Differences Between Business and Personal Car Insurance

By Colin on Tuesday, December 27th, 2011 | 2 CommentsThe difference between business and personal car insurance are many. This as the names suggest comes about as a result of the use of the car and in this case either for personal or commercial purposes. In order for you to better understand car insurance, it is necessary for you to know the facts about these types of car insurance individually as it will also clearly show you the differences between the two.

Personal car insurance
As the name suggests, this type of car insurance policy is only written for individuals who  drive their vehicles for private use. These can either be driving to work, school any other task which is personal. This particular  insurance consists of liability coverage. Before driving legally in South Africa, you are required to get a physical injury as well as a property damage liability coverage. Every personal car insurance policy taken up is required to contain this specific coverage.
Private car owners can also include comprehensive coverage as part of their personal car insurance. This way they also have their cars insured against vandalism, or in case it is stolen or damaged in other ways other than in a collision with another vehicle.
Business car insurance
When driving a company vehicle as you perform various official duties , your personal insurance policy will not cover you in case of any eventualities. This is because vehicles used for commercial purposes require a business car insurance policy. This has to be taken up by the company that owns the vehicle. This type of insurance not only covers the vehicles but the employees as well. This type of insurance is a requirement for any business and the driver as well since who is an employee of this company. Whenever an accident occurs, the business as well as the employee can be held responsible for any damages caused.
Key Differences between business and personal car insurance:
Both business and personal car insurance consists of a similar type of coverage. The difference comes in the fact that they cover people in varying situations. The main difference between these two insurance policies is the fact that business car insurance can be written to cover numerous vehicles within a single policy while the personal car insurance cover will only cover one vehicle per policy.
Unlike with personal car insurance,  a business car insurance will also cover several employees as long as they are named in that particular policy. Through a business car insurance, you can also have all the employees of a particular firm fully covered. This as previously stated will be beneficial to your firm as it will offer your employees the much needed protection against any injuries which may come about as a result of car accidents.
Even with the mentioned differences, when looking for the best personal or business car insurance in South Africa, it is necessary that you look beyond the cost of the insurance.

Easy Tips To Lower Your Auto Insurance

By Hema Patel

We all have to have auto insurance and in most states it is not only a necessity but it's the law. The truth is, being involved in a traffic

Auto Insurance

Welcome to Auto Insurance List your number 1 resource for information regarding auto insurance and car insurance related questions. With the number of cars on the roads these days continuously increasing, "fender-benders" seem more prone to happen, and when they do, you want to make sure that you're not the one made to pay the expensive bill, especially if it wasn't you who caused it. We here at Auto Insurance List .com want to ensure your care and the care of others when you get behind the wheel. To do so, we have not only provided you with a great deal of information regarding the auto insurance industry, but have also gone out and found some of the best links to other informational sites and qualitym auto insurance providers so that affordable automobile insurance is a merely a step away

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What to look for in an Auto Insurance Quote

What to Look For in an Auto Insurance Quote

By Nelson D Shirima

When it comes to matters related to insurance, one needs to make sure they use the insurance from the best company, which is trustworthy and will give them all the details they need. When one settles with reliable and reputable companies, he/she should be assured of fast services and good representation in case of a claim. Most of the insurance companies have brokers, who take time to give clients the needed information regarding the company. They tend to only give the good side and fail to the client a clear view if what the company is all about. They always tend to sell the company to the client. So it is better for one to take time and visit various insurance firms so that they can get all the details they need. When it comes to the auto insurance quote, it is advisable for one to take time and understand all the details, and choose the quote that fit their budget.
There are certain factors one needs to keep in mind when it comes to getting an auto insurance quote. These include the price, the cover, as well as the insurance firm itself. There are various polices that govern the auto insurance sector. This means that one needs to settle with the one that best suits their budget. To ensure that one gets the best available policy they have to do extensive research. This will assist them in discovering the most efficient and affordable quotes found in the market. These are quotes that charge low premiums. One may find some premiums are higher than others but give good benefits to the insured. In the motor industry, the comprehensive policy caters for the public vehicles and some private vehicles. Knowing all these can be of benefit to any car owner.
One can go to different auto insurance firms, get different quotes and compare them. This can prove to be hard and tedious but it is worth every hustle. Well, it can get hard and tricky when the quotes are more or less the same. Such a scenario can leave one confused not knowing what quote to choose. Luckily, with the availability of free auto insurance quote, one does not need to compare quotes but go ahead and choose the quotes that are free. The internet makes one's research easy and simple it gives them a detailed information regarding quotes thus making it quite easy for them to make a decision.
We provide the best info about insurance auto quote and free auto insurance quote. For further details please visit the provided links.

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Distracted Driving Is the Cause of 15 Accidents Per Day

In response to the increase in accidents caused by distracted driving, in February of this year, a law was passed that makes texting while driving a primary offense.  This means that an officer does not need any other reason to pull you over.  In many states, it is a first offense to use cell phones while driving without a hands free device.  It wouldn’t surprise me if Virginia considers making a similar law in the future.
Here are a few more statistics that I am pulling directly from
  • In 2010, 3092 people were killed due to distracted driving accidents
  • 18% of Crashes in 2010 were due to distracted driving
  • 11% of all drivers under the age of 20 involved in fatal crashes were reported as distracted at the time of the crash. This age group has the largest proportion of drivers who were distracted.
  • Text messaging creates a crash risk 23 times worse than driving while not distracted.
  • Sending or receiving a text takes a driver’s eyes from the road for an average of 4.6 seconds, the equivalent-at 55 mph-of driving the length of an entire football field, blind.
  • Driving while using a cell phone reduces the amount of brain activity associated with driving by 37%.

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