Free Really Cheap Car Insurance Quotes

On the application you will be asked about how often and how far you drive; higher annual mileage generally means higher premiums - this is applicable in most states. The insurer will in most cases count here on your statement unless you indicate a very low mileage.

Your Driving Records

Your driving history for the past three years; including moving violations, claims and accidents you have been involved in will substantially influence your insurance cost. Once your driving record is less than perfect, you will be considered a higher risk and will pay a higher premium. However, different companies rate various violations differently, thus it pays to shop around for the company that will provide you with the most favorable rate based on your specific situation record.

Note that insurance companies usually report your claims to a nationwide database that in return share this knowledge with most insurance providers. Your insurance company may use this data to verify your indication on the application form and the information you've submitted in the past.

Do You Own or Rent Your Home?

Sometimes you can get a discount if you own your house as opposed to renting it. Yep, insurance companies consider renters a greater risk than owners.

Prior Insurance Coverage

Most insurance companies will ask about your insurance history, that includes whether you currently have coverage or whether you have been canceled or non-renewed in the past. Note that Insurers consider lapses in insurance coverage a greater risk and may increase your premium on this count.

Gender and Age

According to insurance industry statistics, males and young adults have a higher incidence of accidents; therefore, your gender and age will impact your rate. Rates generally decrease at age 25 and may increase as you approach age 65.

Marital Status

Insurance companies believe that married people have a lower incidence of accidents and claims, thus if you are married you will in most cases pay a somewhat lower premium than a single individual.

Credit History

Some companies may review your credit history when determining your premium.

Factors like bankruptcies, late payments and the number of credit cards you have may result in a higher premium.
Is the Vehicle Leased? Leasing a car may result in an extra insurance cost. Why? because leasing companies usually require that you get a high level of insurance coverage - higher than you may have in mind for a car you would own.

How to Lower Your Premiums: Here is a list of strategies to help you further reduce your car insurance cost:

Before You Buy a Car, Compare Insurance Costs One of your considerations when shopping for a new or a used car should be the insurance costs. Car insurance rates are based in part on the price of the car, the cost to repair it, its overall safety record and the likelihood of theft.

Ask for Higher Deductibles

Deductibles are what you pay before your insurance policy kicks in. Consider increasing the amount of your deductible. Decide how much of the initial loss to your automobile you can afford to pay and see what deductibles various companies offer. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.

Reduce Coverage on Older Cars

Consider dropping collision and/or comprehensive coverages on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective.

Buy Your Homeowners and Auto Coverage From the Same Insurer

Many insurance providers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers.

Maintain a Good Credit Record

Establishing a solid credit history can cut your insurance costs. Many insurance companies use credit information to price auto insurance policies.

Paying Premiums

You can save on service charges by paying premiums in full rather than on a quarterly or month-to-month basis.

Lower Your Current Rate

Are you satisfied with your current agent and don't want to switch insurers? here's a simple trick that will practically "force" your agent to reduce your rate: follow the procedures in this book to get a cheap quote from another insurer. Present your agent with the cheaper quote you got and tell him that you want to stay with him but in light of the cheap quote you have it is really difficult for you. This strategy will surely "persuade" him to reduce your rate.

Take Advantage of Low Mileage Discounts

Some insurers offer discounts to car owners who drive a lower than average number of miles per year. Low mileage discounts can also apply to drivers who car pool to work.

Ask About Group Insurance

Some companies offer reductions to drivers who get insurance through a group plan from their employers, through professional, business and alumni groups or from other associations. Ask your employer and inquire with groups or clubs you are a member of to see if this is possible.

Young Drivers With Good Grades

If you have a driver over the age of 16 and under the age of 25 who is either a full time student or a graduate of a college or university with a "B" or better grade average or a 3 point average on a 4 point scale, this driver may qualify for a good student discount.

Avoid Duplicating Medical Coverage

If you already have good health, life and disability insurance, buy only the minimum personal injury protection required by the state where you live.

How to Get Discounts

Most insurance companies offer various types of discounts. You need to actively ask the agent if there’s any discount that can apply to you, or better off, ask him for a list of all their discounts.

Here's a list of items that may qualify you for a discount (The discounts listed may not be available in all states or from all insurance companies):

Protection devices such as airbags, anti-lock brakes and anti-theft devices.

Insuring your auto and your home with the same insurance company.

College students away from Home.

Taking a defensive driving course, particularly if you’re 55 or older.

Drivers education courses for young drivers (submit proof that any young drivers have completed a driver education course which meets the standards set by the National Conference of Driver Education).

Good Credit Record.

Higher deductibles.

Low Annual Mileage.

Long-Time Customer.

Insuring multiple vehicles with the same insurance company.

No accidents in 3 Years.

No moving violations in 3 years.

Student drivers with good grades.

Being a member of an organization or working for certain employers.

Mature driver between 50 and 65.

Remember, the key to savings is not the discounts, but the final price. A company that offers few discounts may still have a lower overall price.

How to Shop For Auto Insurance?

Comparison shopping is the key to getting the most for your insurance dollar Consumers think nothing of price shopping for televisions, radios or appliances to save $20 or $30, but forget to shop around for auto insurance where hundreds of dollars can be saved. There are more than 200 auto insurers (or insurance companies) licensed in every state, so there are plenty of places to shop. The best time to shop for insurance is BEFORE you purchase a vehicle, trade in a vehicle, add drivers to your policy or renew your policy.

Here are some basic tips to follow when shopping for insurance:

Before buying a car, determine your insurance costs. This is the first cost-savings step in purchasing auto insurance. When you are shopping around for a new or used car, be sure you factor in the cost of insurance as well. High-performance vehicles are more expensive to insure.

Know what insurance coverage you are buying. Before you begin calling to request price quotes, you should familiarize yourself with the insurance coverage you are buying. It is important to know which coverages your state's law requires you to purchase and those coverages that you may choose to purchase (Refer to other sections of this book for more information).

Check your Credit Report. Under most state's law, insurers may not use your credit history to decide if they will insure you, cancel you, renew you or increase your premium. However, insurers may use your credit history to determine what rate you will be paying for your auto insurance. Not all insurers use credit history and you may obtain auto insurance through insurers that do not use credit. For those insurers that do use credit, they are required to tell you at the time you apply for the insurance that they will consider your credit history If you ask, an insurer must tell you how much of your premium is as a result of your credit score.

Credit reports are used to determine the type of financial risk you present. Reviewing your credit report will help inform you of your standing when you apply for certain credit and certain types of insurance, as well as allow you to correct any errors you identify. You are entitled to review your credit report at no charge once every 12 months For questions or to make corrections to your credit report, you should contact the Federal Trade Commission, or any of these credit reporting agencies: TransUnion, Equifax, or Experian.

For those insurers that use credit history to determine a portion of your premium, they are required to review your credit history every two years, or you can request the insurer to do so once during your policy term. The insurer may only give you the benefit of any improvement in your credit history; it cannot be used to increase your premium even if your credit deteriorates from what it was when you applied for your policy.

DO COMPARISON SHOPPING

Contact several insurers. It is recommended that you use an online free car insurance quoting service, this will save you time.

Agents/agencies have contractual arrangements with insurers to sell insurance on behalf of the insurers. Brokers do not have such arrangements, but work with agents to locate or broker insurance on the consumer’s behalf In either instance, your insurance policy is with the insurer itself and not the agent/agency or broker.

Ask your relatives and friends for recommendations regarding purchasing auto insurance. In addition, some banks, employers and special interest groups offer insurance directly to their members.

The Internet also provides a variety of insurance information. Many insurers have web sites and/or work with non-affiliated quoting vendors to provide insurance premium quotes on-line.

Ask for price quotes. In order to make an apples-to-apples price comparison, you must provide the same information to each insurer or producer. The following information is normally requested: make/model/year of the vehicle you wish to insure, average annual miles driven, the region in which you live, the types of coverages and limits for those coverages that you wish to purchase and driving record (accidents or violations) of the vehicle operators. This information is required to provide you an accurate quote.

Ask about deductibles. A deductible is the amount you agree to be responsible for in the event of damage to your vehicle (i e accident, fire or vandalism) If you select a high deductible, you will pay more money out-of-pocket for any damage; however, your insurance premium should be lower. Ask for discounts. Again, to help keep rates down, ask what discounts the insurer offers. Make sure you provide all information that may result in a discounted premium (e.g. security devices, safety devices, good driving record, good student, defensive driving courses, multi-vehicle or multi-policy discounts, etc).

Protect yourself from insurance fraud. Once you have selected an insurer you may want to contact your state's Insurance Administration to verify that the insurer is licensed to sell insurance in your state. It is illegal for unlicensed insurers to sell insurance. If you choose to use a producer, also verify that the producer is licensed.

Financing Insurance. Not everyone can afford to pay their insurance premiums upfront; therefore, many insurers offer installment plans. In addition, your premium may be financed by a premium finance company in exchange for your agreement to pay interest and service fees.

Whether you choose an installment plan or a premium finance company, ask the following questions before buying the policy:

How much is the down payment?
How much are the monthly payments?
How many months will payments be made (i.e. six or 12 months)?
How much is the total payment over the period of the policy?
Is a premium finance company financing the payment?
What is the interest rate on the premium payments (if the payments are financed)?
What other costs or fees are associated with financing the premium?
Does the insurer offer an installment plan? Is there an installment charge or service fee?

Other considerations. Price is an important factor in selecting an auto insurer; however, other factors also deserve consideration. Some consumers prefer to deal with a producer that has an office in the same community or with an insurer that has a claims office nearby. Customer service is another important consideration. Also, you may want to know how long the insurer or producer has been operating in your state, how quickly claims are processed and how often complaints were filed against the insurer or producer. Some of this information may be obtained directly from the insurer or producer. You may also contact your state's Insurance Administration in writing to obtain some complaint information

What Factors Impact Your Insurance Rates

When you apply for auto insurance, the insurer will ask for information about you to evaluate your individual risk characteristics These individual risk characteristics assist insurers in predicting the likelihood that you will be in an auto accident in the future or will file a claim for damages. Insurers evaluate these characteristics to determine whether their guidelines, known as underwriting guidelines, permit them to write a policy for you. The individual risk characteristics that insurers typically review include:

Your driving history for the past three years; specifically including any moving violations on your driving record and/or any accidents you have been involved in.

What type of vehicle you wish to insure; the make, model and age.
Whether your vehicle is used for commercial purposes (i.e. for deliveries or transportation services).

Whether there are any drivers of your vehicle under age 21 (and whether those drivers are covered under a different policy).
Whether any drivers in your household have licenses that have been suspended or revoked.

Whether you have been canceled or non-renewed by a previous insurer.

Whether you have allowed your prior insurance coverage to lapse for a period of time.

The amounts of insurance coverage you wish to purchase.
Your credit history.

Whether you have a stable residential address and/or work history.
If the insurer’s underwriting guidelines permit a policy to be written for you, the insurer will then assign a rate based on your individual risk characteristics. Some risk characteristics that insurers rely on to determine rates include:

Your driving record. Insurers are prohibited from increasing your rate based on accidents or traffic violations that are more than three years old. Insurers will consider traffic accidents and traffic violations that have occurred in the past three years in determining your risk. If your driving record is less than perfect, then you will be considered a higher risk and will pay a higher premium.

Geographic area. The number of claims filed by policyholders in your geographic area affects the rates charged by insurers. Counties or zip codes are commonly used geographic areas.

Gender and age. Males and young adults have a higher incidence of accidents; therefore, your gender and age will impact your rate. Rates generally decrease at age 25 and may increase as you approach age 55 or 65.

Marital Status. Married individuals have a lower incidence of accidents and claims. Therefore, married individuals generally pay lower premiums than single people.

Prior insurance coverage. Most insurers ask about your insurance history, including whether or not you currently have coverage or whether or not you have ever been canceled or non-renewed. Some insurers require individuals to pay higher premiums if there has been any lapse in insurance coverage.

Annual mileage. Insurers will also calculate your premium based on the average distance you drive on an annual basis. If your annual mileage is high, then insurers will consider you a greater risk and will charge you a higher premium.

Age, make and model of vehicle. Premiums are also based on your vehicle’s age, make, model and value. Certain makes and models of vehicles – when involved in accidents – cause or permit greater levels of bodily injury; sustain greater levels of damage; and, are more difficult and costly to repair Insurers charge a higher premium to insure a vehicle that displays such characteristics.

Credit history. Some insurers review an individual’s credit history when determining their premium. For instance, bankruptcies, late payments and the number of credit cards you have may result in a higher premium. Insurers must follow specific guidelines when using a consumer’s credit history to underwrite or rate an auto insurance policy.

Those guidelines state that an insurer may not:
* Increase a renewal premium based on the credit history of the insured.
* Apply a surcharge of more than 40% based on credit history.
* Use the following factors to rate a policy: the absence of or inability to obtain credit history, the number of credit inquiries, or any factor that is more than 5 years old.

Additionally, you have the right to request that your insurer recheck your credit history once per policy period If your credit history has improved, the renewal premium may be reduced. However, if your credit history has deteriorated, this information cannot be used to increase your premium.

You can review your credit report to become informed about your standing when you apply for certain credit and certain types of insurance. You may also correct any errors you discover in your report. You can review these reports at no charge every 12 months. For questions, or to make corrections to your credit report, or to access information about how to obtain free copies of your credit reports, you should contact the Federal Trade Commission at www.ftc.gov.

What Discounts Are Available to You

Obtaining discounts is one of the ways to keep your insurance costs down. It is important to be aware of these discounts before purchasing auto insurance. However, insurers do not offer all the same discounts. Some of the most common discounts include:

Good driving record. Most insurers offer discounts to drivers who have not had an accident and/or violations in a specific time period (normally three or more years). Insurers are prohibited from considering violations older than three years.

Safety devices. Discounts frequently are offered for devices that limit bodily injury or property damage caused by accidents. Such devices include anti-lock brakes, automatic safety belts and air bags.
Anti-theft devices. Car alarms and other theft-deterrent devices may also result in a discount.

Multiple policies. Although an insurer cannot require you to buy a homeowners’ insurance policy when you purchase an auto insurance policy, some insurers offer discounts to policyholders who purchase both auto and homeowners policies. In addition, insurers may also offer discounts if you have more than one vehicle insured with the insurer.

Good student. Many insurers offer discounts to students who maintain at least a B average.

Driver Education Courses. Many insurers offer discounts for the completion of a driver education course.

Renewal Discount. Some insurers offer a discount to their policyholders who have maintained continuous coverage with the insurer for a number of years.

Memberships or employment discounts. Insurers may offer discounts to members of certain organizations (e. g. credit unions, shopper’s clubs or alumni associations).

You may also be eligible to receive a discount through your employer (e. g. state employee, military or teacher).

What Does Your Coverage Include

Auto insurance coverage may include several types of protection. However, state law requires all registered vehicle owners to purchase certain minimum protections or coverage levels. Many drivers purchase more than the minimum requirements to protect themselves from high repair bills, medical expenses and lawsuits. Consumers who choose to purchase coverage above the state’s minimum requirements will pay higher premiums.

LIABILITY INSURANCE
Liability insurance protects policyholders when they have caused an accident. There are two types of liability coverage that are required by most states law: bodily injury liability coverage and property damage liability coverage. For example, here's a typical minimum amount of liability coverage required by many states:
$30,000 for bodily injury per person
$60,000 bodily injury per accident; and
$15,000 property damage

BODILY INJURY LIABILITY INSURANCE
If you cause an accident and an injured person makes a claim or files a lawsuit against you, bodily injury coverage will:

Pay for a lawyer to defend you if you are sued; and
Pay the amount of medical expenses, lost wages and pain and suffering that you are legally responsible to pay to another person (up to the policy limits); or,
Pay an amount to settle these claims (up to the policy limits). In other words, if the claim for bodily injury is covered by your policy, the insurer will pay the claim up to the dollar limits of the coverage you purchased; you would only need to pay if the claim exceeds the policy limit or if the claim was not covered under the terms of the policy

PROPERTY DAMAGE LIABILITY INSURANCE:
If you cause an accident that damages someone’s property (such as their car) and the property owner makes a claim or files a lawsuit against you, property damage liability coverage will:

* Pay for a lawyer to defend you in the event that you are sued; and
* Pay the amount of physical damage that you caused to vehicles or property that you do not own (up to the policy limits); or,
* Pay an amount to settle these claims (up to the policy limits). In other words, if the claim for property damage is covered by your policy, the insurer will pay the claim up to the dollar limits of the coverage you purchased; you would only need to pay if the claim
exceeds the policy limit or if the claim was not covered under the terms of the policy policy’s bodily injury or property damage coverage. Other people, such as family members, may also be covered under your insurance covered if: they are listed on the policy as drivers, they are driving your car for an occasional purpose with your consent, and they are not otherwise excluded by your policy’s terms. If you are unsure whether a potential driver would be covered under your policy, read the terms of your policy or call your insurer or producer before you let that person drive the car.

Note: While state law establishes the minimum level of liability coverage, consumers who can afford higher premiums may choose to purchase more coverage. Higher limits of coverage provide more protection against repair expenses, medical expenses and legal judgments which might be higher than the minimum coverages required by your state.

UNINSURED MOTORIST (UM) COVERAGE
Uninsured motorist coverage will protect you if someone driving without insurance causes damage to your property or injures you or your passenger(s). Coverage also applies when an auto damages your vehicle or injures you and leaves the scene of the accident without being identified. This insurance covers repairs to your property, as well as medical expenses, lost wages, and pain and suffering. The minimum amount of uninsured motorist coverage required by many states are:

$30,000 for bodily injury per person;
$60,000 bodily injury per accident; and
$15,000 property damage.

In your state, UM coverage may also include under-insured motorist coverage, which is known as UIM coverage. It provides you with bodily injury protection in the event you are involved in an accident where the at-fault driver has an insurance policy with liability limits that are less than your UM limits, and your injuries exceed the at-fault driver’s available limits. You then can claim the difference under your own insurance policy.

PERSONAL INJURY PROTECTION (PIP)
Up to the specified dollar amount of your coverage, PIP coverage will reimburse you (or others named on your policy) for reasonable and necessary medical expenses resulting from an auto accident, as well as lost wages. This reimbursement will be made regardless of who caused the accident.

PIP coverage can be denied if claims are not properly and timely filed with your insurer. Therefore, it is important to contact your insurer immediately after an accident has occurred and request PIP forms. Some states require consumers to purchase at least $2,500 in Personal Injury Protection (PIP) coverage. You may be able to waive PIP coverage for certain individuals resulting in a reduction in your premium. Consult your producer for a thorough explanation.

Because PIP coverage may duplicate an individual’s health care coverage, some consumers choose to waive PIP if they feel they have adequate health care coverage and/or can afford to pay for medical treatment. You should check your health care policy and consult your producer about this coverage. Although waiving PIP results in a lower premium, you should keep in mind that PIP also pays lost wages and your household members’ medical expenses, which are not covered under health care policies.

Since vehicle policies are regulated at the state level, it is recommended that you add the name of your state and city to the search term when searching online for low cost quotes. For your convenient here is a list of US states and biggest cities: Alabama AL, in Alaska AK, in Arizona AZ, in Arkansas AR, in California CA, in Colorado CO, Connecticut CT, Delaware DE, District of Columbia DC, Florida FL, Georgia GA, Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Puerto Rico PR, Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VI, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY. New York, Los Angeles, Chicago, Houston, Philadelphia, okc, Phoenix, San Antonio, San Diego, Dallas, San Jose, Detroit, Indianapolis, Jacksonville, San Francisco, Columbus, Ohio, Austin, Memphis, Baltimore, Fort Worth, Charlotte, El Paso, Milwaukee, Seattle, Boston, Denver, Louisville- Jefferson County, Washington, Nashville-Davidson, in Las Vegas, Portland, Oklahoma City, Tucson, Albuquerque, Long Beach, Atlanta, Fresno, Sacramento, New Orleans, Cleveland, Kansas City, UK, Virginia Beach, Omaha, Oakland, Miami, Canadian, Canada, Northern Ireland, Australia, Tulsa, Honolulu, Minneapolis, Colorado Springs, Arlington.

Other Coverage That is Available to You

Physical Damage Coverage, also referred to as comprehensive and collision coverage, is the most commonly recognized coverage as it protects you from expenses related to damage or loss of your vehicle (e. g. accidents that you cause, theft or vandalism). Although your state's law may not require you to purchase physical damage coverage, often banks and other financial institutions that lend you money to purchase your vehicle or lease you a vehicle, will require that you purchase both collision and comprehensive coverage to protect their interests in the vehicle.

Collision Coverage pays to repair your vehicle or pays you what your vehicle was worth right before an accident occurred (If your insurer determines the vehicle is a total loss, this means that the cost to repair the vehicle exceeds the value of the vehicle). Collision coverage is provided regardless of who caused the accident.
Because collision coverage is usually the most expensive component of your auto insurance premium, many people may choose to purchase collision coverage with a high deductible.

Generally, your premium decreases as the amount of the deductible increases. For example, if you hit a pole and the resulting damage to your vehicle is $1,200 and your deductible is $500, then the insurer will pay $700 to the body shop and you will pay the balance of $500. On the other hand, if you purchased collision coverage with a lower deductible or no deductible, then you would pay less towards the repair costs, but you would pay a higher premium.

Comprehensive Coverage (also known as Other Than Collision) pays for damage to your car resulting from causes other than an accident, such as vandalism or theft. As with collision coverage, choosing a higher deductible will lower your insurance cost.

---

Other Free PDF eBook Downloads that Are Available from Biz Publishing:

Cheap Car Insurance: How to Slash Your Car Insurance Costs - A Step by Step Guide to Cutting Your Costs and Getting the Best Auto Insurance Quotes.

How to Start a Business: A Step by Step Guide to Starting a Small Business.

Business Plan Template:Complete Fill in the Blanks Sample Business Plan Proposal.

How to Improve Your Leadership and Management Skills: Effective Strategies for Business Managers.

Small Business Management: Essential Ingredients for Success.

Forex for Beginners: How to Make Money in Forex Trading.

Facebook Marketing: 111 Great Tips and Ideas Proven to Kick-Start Your Facebook Marketing.

Internet Business Success Formula: Only Way Left for Little Guy to Make a Killing Online.

Home Equity Loan: How to Get the Best Home Equity Loan Deal.

Make Money Online Now: The Simple Strategy That Made Me an Internet Millionaire.

Mortgage Facts: How to Get the Best Home Loan Deal.

Payday Loans and Cash Advance: Pros and Cons - Mistakes and Traps to Avoid.

Mortgage Refinance: How to Get the Best Mortgage Refinancing Deal.

Social Security Disability Benefits: How to Get Quick Approval.

Internet Marketing: The Amazing Formula That Will Turn Your Website into a Million Dollar Cash Machine.

Copyright © by Bizmove Free PDF Books. All rights reserved.