Posts Tagged ‘cheaper auto insurance’

How To Switch Auto Insurance

Monday, July 2nd, 2012

Shopping online is an easy way to find better auto insurance rates. They say “making the switch” is quick and easy… but is it, really? Simply walking away from an old provider could turn into a mess if you don’t follow all the proper steps to say “Hasta Lavista, Baby.”

1) Have A New Policy In Place.

Ideally, you should begin shopping around for a new auto insurance policy about a month before your current policy is set to expire. Before notifying your insurance provider you’ve moved onto someone new, you’ll want to be absolutely sure your premium has been paid and your application has been approved. The last thing you want is to be caught without insurance!

2) You’ve Set A Date.

When you’re starting up with a new auto insurance provider, it’s important that you talk about when the policy will begin. Overlapping insurance is bad, but it’s even worse to be driving around for a day with no insurance. Get a firm date set.

3) Say Goodbye.

It’s never pleasant, but you’ll need to notify your auto insurance provider that you wish to cancel your policy. You may do this on the phone or in writing. The worst thing you can do is to avoid this task altogether. Burying your head in the sand will lead to collectors banging down your door for nonpayment and a blemish on your credit report. Even if the new provider offers to take this step for you, it’s always best to ensure you are all set.

4) Sign The Documents.

Some auto insurance providers need you to sign official documentation stating that you wish to cancel the policy. Be sure to comply with their protocol and save yourself the hassle of having someone call and mail you constantly to get closure.

5) Don’t Forget About Your Refund.

Some customers are so excited about the new deal they just scored, they forget to see if they have any unused premium coming their way. Ask and you shall receive. Remain mum and you may get a check in the mail… or you may not!

6) Address Any Outstanding Issues.

Usually a new carrier will alert the DMV about your new auto insurance policy, but this is not always the case. Be sure to find out what your responsibilities are. If there is a lien on your vehicle or you are still making payments, be sure to inform the lienholder about the change.

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Tips To Avoid Auto Insurance Rate Increases

Tuesday, June 12th, 2012

Are you paying too much for auto insurance? Your rate can go up suddenly and without warning. Sometimes simple errors can cause you to overpay for basic coverage. Here are a few tips to avoid these unscrupulous auto insurance rate hikes and protect yourself, as a consumer.

Did You Get A Ticket?

Tickets are one of the main causes for auto insurance rate hikes because insurers take this as a sign that you’re driving erratically and dangerously, thus making you more of a liability. You won’t get penalized for a parking ticket, but moving violations for running lights, speeding and reckless driving will take your insurance rates way up for a good three years.

Did You Buy A New Car?

When you’re car shopping, you may be focused on finding the best color or the car with the most cargo space. However, you should also consider how the auto insurance company will look at your purchase. Cars with expensive foreign parts will be more expensive to insure because their repair costs will be higher, should you get into an accident. Also, cars that are frequently stolen will cost more. Conversely, safety ratings and features can bring the cost of insurance down.

When Was The Last Time You Shopped For Auto Insurance?

You should take a few minutes each year to shop around for better auto insurance rates. People who take the time to review their policies always end up paying less. With websites like Promiga.com, it’s easier than ever to get a quick, free online auto insurance quote!

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Take a moment & shop for free auto insurance quotes on our site!

You Can Qualify for Cheaper Car Insurance Rates

Tuesday, July 5th, 2011

A number of consumers may be wondering how to qualify for cheaper car insurance rates. One of the best strategies for doing so is available to all drivers: maintain a clean driving record. Buyers who have been licensed for a few years and who have been able to stay accident and moving violation-free are considered to be relatively low risk for car insurance purposes and can qualify for lower rates on their coverage.

Reviewing the existing coverage to eliminate any extras is another effective strategy for consumers looking for the best prices on their car insurance. Drivers should pull out the existing policy to look for any extras; these provisions add to the cost of coverage. A no-frills policy will be less expensive, but consumers need to be aware that this option may not provide enough protection if they live in a tort state and are responsible for paying for damages they cause in an at-fault accident.

Increasing the policy deductible is an effective way to get cheaper car insurance rates. When customers pay a higher amount toward the cost of claims personally, the insurance company is able to offer lower premium rates.

Shopping around is another effective way to keep car insurance costs down. Rates for the same type and level of protection can vary significantly between providers – even for the same type and level of coverage. Before buying or renewing a policy, make a point of getting quotes from several insurance companies.

Want to Get Cheaper Car Insurance in Idaho?

Monday, May 9th, 2011

If you want to find cheaper car insurance in Idaho, shopping around for your coverage can help you reach your goal. Your current provider may not be the one that can offer you the best rates on the insurance protection you need. By taking the time to get pricing from other companies, you will know whether it is giving you the cheapest rates or if it’s time to change companies.

Before getting quotes from other providers, pull out your existing policy and review the type and level of coverage you have in place. If you are a mature driver who is either retired or semi-retired and you are no longer commuting back and forth to work each day, let the insurance company know that your annual mileage has changed. Companies can offer lower premium rates to customers who limit the amount of driving they are doing.

You might also want to change your coverage if you are driving an older model car. Since physical damage coverage (collision and comprehensive) pays out based on the car’s cash value, dropping the collision coverage and limiting the comprehensive protection to fire and theft only will help to keep costs down.

Asking about discounts is another strategy that will help you get cheaper car insurance in Idaho. Companies offer price breaks to policyholders in various circumstances, and it’s possible to qualify for more than one at a time. Buying a home and auto insurance policy from the same provider, insuring more than one vehicle on a policy or driving a car equipped with an anti-theft device will help you get cheaper car insurance in Idaho.

 

How to Get Cheaper Car Insurance in Rhode Island

Wednesday, April 27th, 2011

If you want to get cheaper car insurance in Rhode Island, start by reviewing your existing coverage. Go through the policy documents carefully to make sure that your coverage does not include any extras.

Choosing to increase your policy deductible is another way to keep car insurance costs down. When an insurance buyer agrees to pay more toward the cost of settling a claim personally, the insurance company is assuming a lower level of risk and can charge lower premium rates. Before making the decision to increase the deductible, the policyholder should consider his or her financial situation very carefully. Keeping rates down is an attractive concept, but not if the deductible is at a level that will cause the policyholder financial hardship if he or she has an incident with the car.

Policyholders should make a point of reviewing their RI car insurance coverage at least once a year. This procedure should be performed a couple of months before the existing policy is up for renewal to allow the driver to make note of the type and level of coverage that he or she currently has in place and to shop around to get pricing from other providers.

If a driver finds a company that can provide better rates for the level of protection he or she needs, the new policy should be purchased before the old one is canceled to avoid a lapse in coverage.

 

Can You Get Cheaper Car Insurance Rates in Montana?

Monday, April 4th, 2011

If your goal is to try to find cheaper car insurance rates in Montana, your first step is to examine your current policy to confirm the type and level of coverage that you currently have in place. Before you can start looking at your options, you will need to determine whether you want to maintain the same level of coverage or if you want to change it. Car insurance is not something that you buy once and then forget about. As your needs and life circumstances change, so should your Montana car insurance coverage.

Once you know exactly what your insurance needs are, you can start getting quotes for coverage from a number of providers. This is a valuable exercise, even if you have been with the same insurance company for several years. By comparing rates for the same type and level of coverage, you will be able to find the lowest rates for the protection you need.

You can visit individual company web sites to request a quote for coverage. This option allows you to learn about the provider itself before you ask for pricing information. You will want to find out how long the company has been in business and whether it has the financial resources to pay out on claims made by its policyholders. Another option available to get quotes for coverage when you want to find cheaper car insurance rates in Montana is to go to a web site that can generate quotes from several providers at once.