8:00 - 17:00
Opening Hour: Mon - Fri
Driving in the United States is a privilege and it is mandatory for licensed drivers to get some amount of auto insurance before they get behind the wheel.
Unfortunately, prices for car insurance can be exorbitant. While it is almost impossible to guarantee the lowest rates for auto insurance, some in-depth research can help consumers get affordable insurance policies.
It is important to learn about the auto insurance industry and their various offerings. This will improve your chances of getting the best insurance deal available for the lowest price possible.
Click here and type your zip code into the FREE search box, to view several auto insurance quotes all at once!
Auto insurance is meant to protect you and your family from overwhelming financial losses in case of an automobile accident.
The Insurance Information Institute defines auto insurance as a contract between the driver and the insurance company. It stipulates that the driver pay a certain amount of money as a premium
There are different forms of auto insurance but not all types of coverage are mandatory. Each state has a different set of requirements from its drivers.
You can find the minimum requirements from your state’s Department of Motor Vehicles.
For instance, the New York State Department of Motor Vehicles states that drivers require liability coverage and should have a minimum of $25,000/50,000 for injury, $50,000/100,000 for death, and $10,000 for property damage per auto accident.
Most automobile insurance policies are six-month or yearlong contracts and need to be renewed before they expire.
Usually, auto insurance companies are required to send you a reminder but drivers should be aware of expiry dates so as avoid being caught with lapsed insurance.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Insurance companies use a number of factors to calculate your auto insurance premiums. Each company has a different formula to calculate car insurance premiums.
While you are unlikely to get details from insurance company actuaries, you should know that certain factors influence your insurance rates more than others do.
Some of the leading considerations are as follows:
Insurance companies extend different forms of auto insurance to their customers. While some are mandatory, others have been created to offer further buffers to drivers and their families.
Liability insurance, the most common form of insurance, is required by most states. It covers the driver for damages when he or she is at fault.
Liability insurance pays for all the damage caused by an accident that includes the vehicles involved, property such as fences and road signage, as well as the cost of medical treatment or funeral arrangements.
Collision insurance is a form of insurance pays to repair or replace your car that has been damaged or totaled in an auto accident.
While collision insurance is not mandatory, it is a good idea to get such coverage if you are driving a new or expensive car. Additionally, you are required to purchase collision insurance if you are financing your vehicle purchase.
Comprehensive insurance covers your car if it is damaged or totaled in an auto accident.
Whether it is animal collision, theft, vandalism such as keying or broken windows, Acts of God such as volcanoes, floods or tsunamis, an errant shopping cart or a falling piano, you will be grateful to have opted for this form of coverage.
While this is expensive, it can provide much-needed peace of mind, especially if you are driving an expensive and/or new car.
Personal injury protection covers the cost of treating all physical injuries caused by an auto accident.
Pay-as-you-go insurance allows those people who are unable to pay huge auto insurance premiums, the option of lower cost insurance.
This form of auto insurance is dependent on the driving record of the insured and the number of miles being driven.
No-fault insurance: An expensive form of insurance, it pays for all accident-related injuries, death costs and property damage, irrespective of which driver is at fault.
The Internet has made getting quick auto insurance quotes an easy and largely safe process.
While you might not have to haggle with your insurance agents to get the best rates, you still need to be prepared to do some bargaining.
Go to your state’s DMV office or website to make sure you know what the minimum requirements for your state are. Additionally, you can ask them for any resources that are available for insurance.
One of the easiest ways to reduce your insurance bill is through discounts. Research your discount options and ask each insurance company you contact for any specials that they are running.
Remember that certain groups such as good drivers, veterans, good students and certain professionals get better deals. So ask!
The final step is to collect all the required information such as license numbers of the drivers in your household, the vehicle information, driving records and claim records.
Saving money in today’s poor economy is an unsaid given. Consumers are sticking to their ever-shrinking budgets. Car insurance is a major outgoing expense for every family that is usually not expendable.
Whether you go online to consolidator websites or to a brick-and-mortar office, you have multiple options. But choose your policy carefully, be vigilant about the terms and conditions, and know your rights.
Compare insurance rates now when you type your zip code into our FREE toolbox on this page now!
Cheap Auto Insurance