Online PR News – 10-May-2010 – Comparing quotations from multiple companies is one of the most effective ways to find the best deal on automobile coverage and taking the time to compare rates from various insurers can lead to big savings. With so many providers that are licensed in a given area, completing quote comparisons is an important step to finding the most affordable premiums.

OnlineAutoInsurance.com strongly encourages motorists to complete an auto insurance quotes comparison in order to help ensure that the lowest rate is found from a reputable company. Consumers should be aware that each carrier has different pricing and each applicant will pay a different amount for the same coverage based on various factors. Therefore, no single insurer can be cheapest for all drivers and the consumer must take the time to seek out the best price for them particularly; a recent study showed that premiums can differ up to 200% for the same product.

Comparing rates is also advised by government consumer guides. A consumer’s guide provided by the Maine Bureau of Insurance states, “Comparison shopping takes time but it will save you money. The only way you can make sure you are not paying too much is to shop around and find out what different companies charge for the same products and services.”

Source: http://www.maine.gov/pfr/insurance/consumer/auto.htm

Although it does take some time to complete an effective comparison it is well worth it and may be done quicker online; many insurers offer rate quotes on their websites and a comparison website can offer quotations from several companies to compare from.

Have you graduated or are you about to? Are you also about to get a new car? Congratulations. Now down to business. You need car insurance. And you may not know where to go to get it. With a little bit of time and effort, you could have a fairly cheap auto insurance plan, even though you are just starting out on your first car.

Because of your age, you are considered a risk for the auto insurance companies. It may not seem fair, but the statistics for accidents tend to increase the younger you are. Car insurance providers want to make sure the costs of these eventual accidents are well covered.

You can still find cheap plans. Many auto insurance companies will offer discounts based on certain criteria. One is the type car you drive. If you are driving an 1995 Corolla, you will pay less than the guy with a 2005 Corvette.

If you are going to college, you could get discounts, from companies like Allstate, for keeping good grades.

You will have to get car insurance, but you shouldn’t have to pay an insane rate for it. With a little bit of research and a little time, you can find a car insurance plan that is right for you. Remember, you can go online to these auto insurance providers websites and get a free online quote. You will then have a much better idea of what you can expect to pay for monthly car insurance.

Source:  www.uslifedaily.com

]]> http://insurancecarnews.com/great-car-insurance-rates-for-18-year-olds/feed/ 0 http://insurancecarnews.com/lowest-and-cheapest-car-insurance-comparison-from-geico-allstate-progressive-and-nationwide/ http://insurancecarnews.com/lowest-and-cheapest-car-insurance-comparison-from-geico-allstate-progressive-and-nationwide/#comments Thu, 29 Apr 2010 16:18:28 +0000 Susan Cooper http://insurancecarnews.com/?p=73 More >]]>

Which company has the best price on auto insurance?

An easy way to save money without much effort is by changing your car insurance provider. It is always a good idea to shop around for the best coverage at the best price with it is time to renew your car insurance policy

. For most people, this means every six months.

Shopping around for auto insurance does not have to be as difficult as you may imagine. There are a few primary factors that you should consider while shopping for car insurance. These factors are type of coverage, coverage amounts, premiums, and deductibles.  Here is a brief description of these terms:

Coverage: Liability or Liability and collision? Liability covers the expenses of the other vehicle(s) involved in an accident if you are at fault. Liability does not cover damage expense to your vehicle.

Coverage amounts: This is usually presented as three numbers such as 30/60/30. The numbers represent bodily injury per person, per incident, and property damage respectively.

Premiums: Simply how much you are to pay each month or every six months

Deductibles:  Your out-of-pocket expense if you are ever involved in an accident.

Compare these factors with insurance companies such as Geico, Allstate, Progressive, and Nationwide to get the bet price on auto insurance.

Car insurance premiums fluctuate daily between car insurance companies. This is why it is always a good idea to check back every time your policy is up for renewal because you will find that the insurance company with the lowest rates will most likely differ every time that you call.

For more great tips on how to save money on common every day expenses such as car insurance, check back with Healthy Financial Habits. Our team is dedicated to helping you save money.

Author: Mike Smitt

Source: www.healthyfinancialhabits.com

What kind of insurance can you get? Will it be cheap? Or will it be astronomical in price? That all depends on how much you look around. Getting cheap car insurance doesn’t have to be difficult, but we often make it difficult on ourselves. Sometimes we’re looking at an auto insurance website, getting a free quote, and think wow that is really cheap.You could have went to another website and found a plan and rate that is even cheaper.

Companies, like Nationwide insurance and Allstate, can provide you with free online quotes. Visiting the auto insurance websites is a good resource that you can use to understand what kind of plans and rates are available to you. If you don’t visit these websites, you aren’t getting the full picture. Researching each car insurance provider is the best way to see if you will pay a cheap monthly rate, or an expensive one. With just a few clicks, you may be saving hundreds dollars each month on car insurance.

Source: www.uslifedaily.com

Right now is a great time to save on auto insurance. By simply making a few phone calls to insurance companies such as Allstate, State farm, Geico, progressive, and liberty mutual, you can literally save hundreds of dollars on your car insurance.

Are you ready to make the switch? The reason why so many people are unwilling to leaving their insurance company is because they have been with them for so long. With companies like Allstate, they will do the dirty work for you by contacting your old insurance company. A recent survey showed that one of the main reasons why people do not switch their insurance is because they do not want to confront their current insurer and the process is too difficult.

When shopping for car insurance, be sure to shop around. Speak with several car insurance companies

and compare similar car insurance policies

. You will want to compare premiums, deductibles and coverage. When it comes to coverage, you will have to look at bodily injury per person and per incident and property damage. When it comes to deductibles, you will generally pay less per month with a higher deductible.

Author: Mike Smitt

Source: www.healthyfinancialhabits.com

Like many people, you may have established the nitty-gritty details of your auto insurance policy years ago. If you were to be given a pop quiz about, say, the amount of your deductible or the particulars of your collision coverage, would you pass it? If you’re not sure, it may be high time to refresh your memory about your policy. Devoting about an hour or so to such a review could save you money in the long term.

1Your credit score is important. Insurers care about your bill-paying history, and most will review your credit report. If anything looks dicey, you almost certainly will pay more on premiums. To review your credit report for any errors, or to get a glimpse of what insurers will see, order free annual reports from the three major credit bureaus (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com or calling toll-free 1-877-322-8228. Hold off on buying auto insurance for a month or so if you have any unusual credit activity pending.

2Ask for higher deductibles. The deductible is the money you have to pay before your insurance policy comes to the rescue. By bumping your deductible up from $200 to $500, you could lower the cost of your collision and comprehensive coverage by 15 to 30 percent. By increasing it to $1,000, you could decrease that cost by at least 40 percent.

3Don’t pay for coverage that won’t help. If you have an older car or a car with low market value, consider dropping collision and/or comprehensive coverage. These cover the vehicle’s replacement value and they can total 40 percent of your premium. They often are not worth it for older cars because any claim payment you’d get likely wouldn’t exceed the cost of your insurance premiums and deductible. To check your car’s value, visit Kelley Blue Book (www.kbb.com) and Edmunds.com (www.edmunds.com).

4Opt for a low-profile car. It costs more to insure a vehicle that’s popular with thieves, expensive to repair or doesn’t have a great safety record. For vehicles’ risk levels, visit this section of the Insurance Institute for Highway Safety’s website: www.iihs.org/brochures/ictl/ictl.html#older. Near the bottom of that page, click on the “insurance losses by make and model” link; then click on “latest results” for data about 2006-08 models, or select a year span to research older models.

5Don’t duplicate medical coverage. If you have good health, life and disability insurance, buy only the minimum personal injury protection (PIP) required by the state. (In Florida, you must carry a minimum of $10,000 of PIP.)

6Are you driving less? If you’re no longer driving to work or if you have started carpooling, pay attention to your average mileage. Many insurers offer “low-mileage discounts” to policyholders who carpool to work or drive a lower-than-average number of miles each year.

7Safety gear can make a difference. It’s often possible to qualify for discounts if you have air bags, automatic seat belts, antilock brakes and daytime running lights. An approved alarm system or other antitheft device can give you additional savings. So can evidence that you’ve made yourself a safer driver by taking a defensive-driving class.

8Pursue discounts for teens. Insure teenagers on the parents’ policy rather than a separate policy. Teens who maintain good grades and pass an approved drivers’ education course usually can qualify for reduced rates. Another discount may be available if your child goes to college more than 100 miles from home and doesn’t take a car along.

9Use one carrier for all your policies. You often will save money if you insure all your vehicles, including recreational vehicles and trailers, with one carrier. Your car premium also may go down if you buy homeowners or life insurance from the same company. And if you’re a longtime customer, call and find out if there are “loyalty discounts.”

10Inquire about other discounts. You may be able to pay less if you’re older than 50 or 55; if you’ve had no accidents or moving violations in three years; or if you pay your premiums in full up front to avoid installment fees. While checking on possible discounts, call other insurers to compare rates.

Laura T. Coffey can be reached at laura@ tentips.org.

Sources: Insurance Information Institute; Insurance Institute for Highway Safety; MSN Money; SmartMoney.com

Bookmark and Share Hulk Hogan is taking legal action against his insurance company after accusing staff of failing to properly advise him about his policy needs prior to his son’s near-fatal car crash. The grappler’s teenage son Nick Bollea served time in prison in 2008 after pleading no contest to reckless driving for his part in a high-speed collision in Clearwater, Fla. in 2007, which left passenger John Graziano with permanent brain damage. Hogan’s car insurance firm, Wells Fargo Southeast, paid out US$250,000 to the Graziano family as a result of the crash — but the sportsman was left to pick up the bill after he was sued by the victim’s relatives for negligence. Graziano’s family filed a civil lawsuit against Nick, his dad Hogan — real name Terry Bollea — his mother Linda Bollea and friend Daniel Jacob in March 2009, alleging they were negligent in their actions, which led to Graziano’s injuries. The legal dispute was settled in February, but the cost of the suit to Hogan remained private. Now the wrestler is blaming Wells Fargo bosses for not alerting him to take up a more expensive insurance policy to cover teenagers driving his vehicles, as they pose a greater financial risk, reports TMZ.com. Hogan claims the US$250,000 limit on his policy put his US$30 million personal fortune at risk to settle the case. He is suing Wells Fargo Southeast for unspecified damages.

Source: WENN.com

This month may be a good time to start researching auto insurance. There is never a better time to start looking for cheap rates on car insurance than today. You may find that the insurance you currently have is a bit too pricey, or you’re researching auto insurance for the first time. Either way, you need to remember a few things first. You can easily go to these auto insurance providers website and get a online free quote. Don’t be satisfied with the first thing you find. Auto insurance providers rate everybody differently on how much of a risk they are.

You may be able to get a really great with Progressives.com or with GEICO. For many people, nationwide auto insurance is the best way to go. He suggests that a few of the bigger names out there. Some of these smaller companies can provide you with competitive rates. But remember research is key. The more you look around the better chance you will have it getting a low monthly auto insurance plan.

Source: www.uslifedaily.com

The internet has made it much easier for consumers to find car insurance quotes than ever before. However, it’s now become tough to tell which car insurance quotes are the best, which correspond to fair and reliable plans and which ones are suspect.

There are many different places and websites that offer car insurance quotes for consumers in just a few seconds. In the United States, sites such as esurance have been developed for just this purpose. However, it’s always best to check out every company also just to be sure that you are getting the best car insurance quotes for your car insurance.

There are many different companies that pour loads of dollars into getting people to believe they have the best car insurance quotes on the market. In the United States, some of the largest car insurance providers include Geico, Progressive, and Allstate. Television viewers will note that all of these companies put lots of money into building their brand reputation through huge commercial campaigns.

However, there are other ways to obtain car insurance quotes from entities such as credit unions and banks. When it comes to getting car insurance, it’s best to try to take your time get a number of different quotes from a variety of different sources, weigh your options, and then decide which plan is best for you.

MAYFIELD VILLAGE, Ohio, Apr 21, 2010 (BUSINESS WIRE) — Progressive car insurance now has an app for smart phones using the Google Android(TM) operating system. According to data from digital measurement company comScore, Inc., Android is the fastest growing smart phone platform on the market today.

“We’ve seen a 30 percent increase in visits to our mobile Web site by Android users over the past four months,” said Matt Lehman, Progressive’s Web experience director. “Our Android app is designed to simplify the mobile experience for this fast-growing group of customers.”

Progressive, the first major U.S. car insurance group to introduce an Android app specifically for car insurance, also has an Apple iPhone app and a mobile Web site. The free Progressive app is available from the Marketplace on Android devices.

The company’s goal is to make insurance easier and more convenient for a broad range of mobile users. With the free Android app, users can:

– Get car insurance quotes and buy a policy

– Make payments and update policy information

– Get directions to a local independent insurance agent

– Get directions to the closest service center, where customers receive Progressive’s concierge level of claims service

– Research crash test results and recall notices

– Calculate and budget for monthly car loan payments

– Compare the relative costs to insure different types of cars

– Report and track claims

– Watch the latest Progressive TV commercials

Visit Progressive’s mobile hub for more on Progressive’s other mobile apps and services.

About Progressive The Progressive Group of Insurance Companies, in business since 1937, is one of the country’s largest auto insurance groups, the largest seller of motorcycle policies, and a market leader in commercial auto insurance based on premiums written.

Progressive is committed to becoming consumers’ #1 choice for auto insurance by providing competitive rates and innovative products and services that meet drivers’ needs throughout their lifetimes, including superior online and in-person customer service, and best-in-class, 24-hour claims service, such as its concierge level of claims service available at service centers located in major metropolitan areas throughout the United States.

Progressive companies offer consumers choices in how to shop for, buy, and manage their auto insurance policies. Progressive offers its products, including personal and commercial auto, motorcycle, boat, and recreational vehicle insurance, through more than 30,000 independent insurance agencies throughout the U.S. and online and by phone directly from the Company. Personal auto products and prices are different when purchased directly from Progressive or through independent agencies. To find an agent or to get a quote, go to http://www.progressive.com. Progressive also has a branch that sells car insurance policies online in Australia.

SOURCE: Progressive