Keith Baxter : I am looking for low auto insurance, yes lowest car insurance rates and how can I get them.

Low auto insurance rates

Response : Getting a low auto insurance rate is much easier than you might imagine. Here are three ways to reduce your auto insurance costs, as well as an estimate of potential savings based on the national median rate of about $1,400 per year. If you pay more than the median rate, you could save even more.

1) The first tip you take is to have a deductible which is higher. According to the Insurance Information Institute (III), raising your deductible from $250 to $1,000 can minimixe the auto collision and comprehensive coverage costs by up to 40 percent. The other side is that in case of a claim you will have to pay the deduticble but the chances of the claim are lower compared to the surety of paying the premium every year. You’ll incur higher costs should you need to file a claim, but the amount you’ll save on your premiums may be well worth it. The estimated savings would be $170/- $200.

2) You need to buy your auto insurance policy and home insurance policy from the same insurance company.According to the III, converting to a multiline policy could save you as much as 15 percent on your auto premium. Plus, you’ll have one fewer bill to pay each month. You will save an estimated amount of $210 -$250/-

3) You would be better off to pay your auto insurance premium in one lumps sum. This is because you would save on the fees that the insurer will charge you which you will save. You can save an estimated
$60 to $80/- per year

Compare auto insurance quote online, review your car insurance for coverage and for price. This is a dynamic market and to save you need to be proactive. Low auto insurance rates are avaliable and are there for you to get them.

Happy Motoring.
Kamlesh

Eben Pagan : Ohio, has very low auto insurance quote. Will the same premium prevail in 2010?

Response : It is indeed true that Ohio is the 11th lowest auto insurance rates in the nation, improving from its ranking of 13th in 2007. The auto insurance premium for Ohio on an average is $633.31 in auto insurance premiums in 2008, whilst the average US auto insurance premium are $794.98.

The Ohio Department of Insurance reports that auto insurance rates in that state have declined for the third consecutive year, according to the 2006/2007 Auto Insurance Database Report just released by the National Association of Insurance Commissioners (NAIC).
“Ohio has a healthy, dynamic and competitive auto insurance marketplace that helps drive the prices of premiums lower to the benefit of consumers,” said Ohio Department of Insurance Director Mary Jo Hudson.
Ohio’s average auto premium is less now than it was seven years ago, according to the Ohio Insurance Institute (OII). In 2002, Ohio’s average auto insurance expenditure was $642. Based on the NAIC findings for 2007 and the Ohio Department of Insurance (ODI) 2008 rate change report, OII estimates that the average auto insurance expenditure for Ohioans was $633 in 2008.
Department of Insurance analysts expect that rates for automobile insurance, overall, will slightly rise in 2010. Changes in automobile insurance rates can be attributed to repair costs, medical costs, weather-related claims, and the number of cars on Ohio roads.

What is important to note here is that the auto insurance rates are related to the auto claims expenditure and since these expenditures have remained low and this has helped in keeping the low auto insurance quotes. We all can help ourselves by being responsible auto drivers.
Thanks.
Kamlesh