Posts Tagged ‘Free Auto Insurance Quote’

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!

Hail Damage Shows The Value of Comprehensive Auto Insurance

Monday, June 4th, 2012

Last year, the number of hail damage claims rose considerably compared to the previous three years, according to the Highway Loss Data Institute. Claim payments reached a high of $797 million in 2011. This finding highlights the importance of having good comprehensive auto insurance, especially if you live in areas that are ravaged by storms.

How Much Damage Can Hailstorms Cause To Cars?

One of the most expensive days on record was March 25th, 2009, when there were 22,000 hail damage car insurance claims in Texas and Louisiana amounting to a whopping $81 million in payments! There were vehicles with smashed windows, glass scratches, dents and chipped paint. Aside from monitoring the weather and keeping the car in the garage during projected storm periods, purchasing comprehensive auto insurance is the best thing a driver can do to stay protected from damage.

Who Needs Comprehensive Auto Insurance For Hail Damage?

The HDLI  identified several states with the highest number of claims from 2008 to 2011, including:

  • South Dakota
  • Nebraska
  • Oklahoma
  • Wyoming
  • Kansas
However, an extremely number of high auto insurance claims were reported last year in states like:
  •  South Carolina
  • North Carolina
  • Tennessee
  • West Virginia
  • Virginia.

In fact, South Carolina’s York County had 6,000 auto insurance claims for hail damage amounting to $18 million.

On the other hand, you may not need coverage to fix glass scratches or provide dent repair if you live in:

  • Alaska
  • Hawaii
  • Idaho, or
  • Washington.

These states have consistently low numbers of hail damage repair claims.

How To Get Better Weather-Related Auto Insurance Coverage:

In most states, comprehensive coverage is optional. However, it is the only type of auto insurance coverage that pays for weather-related damage. The National  Association of Insurance Commissioners says that 75 percent of policies written include comprehensive coverage. In 2009, the average premium was about $130, although this may vary depending on the vehicle covered and the deductible you choose. To get better coverage, look up online auto insurance quotes through our site!

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How Shopping Around Can Save You Money On Your Auto Insurance

Tuesday, May 15th, 2012

You’ve probably seen the commercials and heard people tell you to “shop around” for auto insurance. This sound advice could save you hundreds — if not thousands — on your premium. It’s recommended that you get at least three quotes. If you want to save even more, get six quotes. A 2004 Progressive Insurance survey of 100,000 consumers nationwide found that auto insurance rates can vary by over $1,o00/year!!

Why Do Some Auto Insurance Companies Charge More Than Others?

Every company has its own secret algorithm for determining your risk value and how much money they’ll charge to insure you. There are also different types of insurance companies. For instance, Geico and Amica have in-house employees who sell directly to consumers online or by phone. Other insurance companies — like Allstate and State Farm — use independent contractors who work on commission to sell one company’s product. A third type of insurance company is comprised of independent agents who can sell insurance from various companies.

Where Can Drivers Get The Best Auto Insurance Rates?

Direct agents offer the best rates for their companies. Since there is no “middle-man,” you’ll save 15 percent typically. You can access these direct agents by searching for free quotes online and selecting the offer of your choice to proceed. Of course, many of these direct companies can be fussy about who they insure. If your driving record isn’t squeaky-clean, you’ll probably need to check with the larger auto insurance companies like State Farm (18 percent of the market) or Allstate (12 percent of the market) and see if an independent agent can beat your best quote.

What Discounts Do Insurance Providers Offer?

Every auto insurer also has its own set of available discounts. You can save by choosing one company to provide a combination of different types of insurance. You can get money off by taking a defensive driving course, by retiring, or just by being a good student. There are Mensa discounts, group savings by employers, money off for college kids who dorm, and safety feature discounts. Some companies also have loyalty programs that are worth asking about.

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Consumers Save Money with Free Car Insurance Quotes

Wednesday, July 6th, 2011

Drivers who want to find the best rates for their coverage should make a point of checking out free car insurance quotes before making a decision about buying a new policy or renewing their existing one. Most companies will provide pricing to a prospective buyer at no charge. If a company informs a driver that there is a fee to receive a quote, he or she should simply move on to one that does not expect to be paid for providing this information.

Each car insurance company licensed to sell policies in a particular state sets its own premium rates for policyholders. By getting a number of free quotes from different providers, a consumer can find the company that can offer the best rates for the type and level of protection that he or she needs.

Going online is an easy and efficient way for drivers to get quotes from several companies. A person who already knows what he or she is looking for can visit a web site equipped with a quote tool that can generate quotes from a number of reputable companies at once. The buyer only needs to provide his or her personal information once, which makes this the quickest way to get pricing.

Buyers who want to educate themselves about available types of coverage and the companies licensed to sell policies in their state can visit individual web sites to get this information. Once a consumer finds a company he or she is interested in, getting a free quote for coverage is a simple matter of filling out an online form.

Montana Drivers Save with Free Car Insurance Quotes

Friday, June 10th, 2011

When Montana drivers are looking for the best rates for coverage, checking out free car insurance quotes is a good strategy. This information is readily available online from individual company web sites and ones equipped with a quote tool that can generate prices from several companies at once.

The right approach to getting free quotes for coverage depends on the individual driver’s needs. A person who wants to take the time to learn about different coverage options and the insurance companies licensed to sell policies in the state will likely opt to visit individual car insurance companies.

The driver can take the time to learn about his or her coverage options from different providers. The individual web site review should also include gathering information about how long the company has been in business, as well as the number of policyholders it serves and what its’ financial rating is. A company with an A+ or A rating will likely be able to meet its financial obligations toward its policyholders.

When a driver finds a company he or she is interested in, getting a quote for coverage is a simple matter of filling out an online form in most cases. The driver may be asked a few questions about his or her location and driving record as part of this process.

A person looking for car insurance coverage in Montana also has the option of visiting a web site equipped with a quote tool that can generate prices from several providers at once.

 

Indiana Drivers Save with Free Car Insurance Quotes

Tuesday, May 10th, 2011

Indiana drivers who want to find the lowest rates for their coverage should consider taking advantage of free car insurance quotes offered by providers licensed to sell policies in the state. Many companies offer pricing information to prospective buyers at no charge, which makes shopping around to find the best rates easy.

Visiting individual company web sites is one approach that car insurance buyers can use to find out how much they would pay for coverage from different providers. Before requesting a quote, a customer can learn about the company’s history and its financial resources. A careful review of the web site should also reveal how well the company treats its policyholders who report claims. Ideally, the insurer will have a 24-hour number for this purpose.

Insurance companies can set their own rates for coverage. The level of risk they are prepared to assume varies, which means that a driver with the same profile will be charged different rates for his or her coverage by various providers. Taking the time to get free car insurance quotes means that a consumer can find the lowest rates for his or her individual profile.

Another approach to finding the lowest prices on Indiana car insurance coverage is to go to a web site with an insurance quote tool. The customer would simply answer a few questions about his or her driving record, the make and model of the car and where it will be garaged. The consumer will receive pricing from several companies at once.

 

 

 

Arkansas Drivers Benefit from Free Car Insurance Quotes

Thursday, May 5th, 2011

When Arkansas drivers are looking the best rates on their car insurance coverage, shopping around will help them find the affordable protection they need. Many providers offer free car insurance quotes to prospective customers, and this is a great way to discover what different companies have to offer. While all the companies licensed to sell policies in the state offer insurance protection, the actual terms contained in the policy will vary. Taking the time to consider offerings from multiple providers is an effective way for a consumer to find the company that can offer the best combination of affordable rates and a good level of coverage.

Getting a no-cost car insurance quote in AR is a very easy process. Going online is the fastest way to find out how much a car insurance buyer will pay for his or her coverage. Once a customer finds a company that he or she thinks would be a good fit, the next step to getting a quote for coverage is to fill out an online form. The buyer may be asked a few questions about his or her driving history and how long he or she has been licensed. The insurance company will also need to know the make and model of the vehicle to be insured to provide accurate pricing information.

Once the free car insurance quotes have been received, the buyer should review them carefully to confirm that all of them are for the same type and level of coverage before making a buying decision.

Free Car Insurance Quotes Benefit SD Drivers

Thursday, April 28th, 2011

When SD drivers are looking for coverage, getting free car insurance quotes will help them find the protection they need at an affordable price. Many insurance providers offer pricing information to prospective buyers at no charge, which makes it easy for customers to compare rates and find the lowest rates for their personal insurance situation.

When car insurance buyers are looking for the best prices on their coverage, they need to be prepared to shop around. Even a driver who currently has coverage in place can benefit from getting quotes from different providers. The best time to start shopping for coverage is a couple of months before the current policy is up for renewal.

A savvy car insurance buyer will give him or herself time to investigate different insurance companies licensed to sell policies in the state before requesting a quote. The cost of coverage can vary significantly between providers, and taking the time to get quotes from several ones can help a consumer narrow down his or her choices.

Before requesting quotes from insurance companies in SD, a consumer should consider how much coverage he or she needs. Having a specific policy limit in mind makes shopping for coverage easier. Once the free car insurance quotes have been received, a driver should take the time to review them carefully to confirm that all of them are for the same type and level of protection before making a decision to buy.