Adam Lamberget : How do I reduce my auto insurance quote and get an estimate auto insurance which is very low?

Response : Yes, Adam we all want to save $$ especially in the holiday season. There are many ways to lower and reduce auto insurance.The first thing is the intent, second is to compare car insurance quotes, third review car insurance coverage, discounts, savings and terms and conditions of your policy so that you know what each of insurance company is offering.
a)This is basically on the auto insurance policy. Now is the time you need to work out the savings for yourself for which the steps are :
1) Opt for a higher deductible, the higher the deductible the higher the savings,
2) Cut down the collision coverage, however this should be done for old vehicles more than 10 years old.
3) It is best to have the optimum limits of coverage, which would be atleast the coverage your state limits are and what would be the maximum requirement as per your own driving history. It is best to have a higher limit for liability coverage and a lower limit for uninsured motorist, medical coverage if you are already insured seperately under your health coverage.The key is not to be overinsured since you would be paying higher premiums unnecessarily. Let me give you a tip, no agent or no insurer can excatly estimate or would be bold enough to tell you the excat limit you should take. This decision would be ultimately yours, since you are the one who knows your own financical situation the best.

b) Your own driving history : Therer are other ways to reduce your auto insurance premium.
1) Never forget the traffic rules and obey them at all times. Sounds simple enough, but traffic violations are a huge cause of inflated premiums. Excessive speeding violations, ignoring stop signs and traffic lights will cause your auto insurance costs to hike. Remember, the point behind these laws is to reduce and prevent the amount of car accidents.
2) Avoid drunk driving at all cost, this is the most costly penalty amongst all auto insurance rates. Compare auto insurance rates of normal insurance with drunk driving and you will realize that the rates for drunk driving are as high as 200-400 times!!
3) Avoid distracted driving or driving when you are tired.
4) Safety rules of wearing the seat belts and driving would certainly make sure that you are not penalized and your record is not spoilt.
c) There are many factors of your vehicle, automobile or car which will play a role in your insurance. The keys to get low auto insurance quote for the car are:
1) A car like a four-wheel drive, anti-lock brakes, automatic seatbelts, airbags, an anti-theft and alarm system will help in getting low auto insurance costs because it cuts the risk of accidents and theft,and the insurance company would consider this as positive factors in the risk.
2) Avoid any racing stripes. Auto insurance can get pricey for drivers who want to dress up their vehicles. In fact, “pimping out your ride” isn’t the best idea when trying to find ways to reduce your auto insurance and is really a fast way to waste money on auto insurance. So ditch the spoiler, the modified or customized sound system and the flash exhaust. Modified cars cost more to insure. Keeping it simple will save you money on the customizing and on your auto insurance!
Besides following the above tips and the best nugget is to shop online, use our quick rates form and comparing insurance quotes. It’s easy, free, and a fast way to compare several of the industry’s top carriers’ lowest auto insurance rates. This is because this is a very competitive market and online you will get the best options and the lowest auto insurance rates at one go.
Good luck.
Kamlesh

Paul Colligan: On the Thanks giving weekend, I am planning to go from New York to Oklahama in a rented car. Will my auto insurance policy suffice this and how do I compare auto insurance so that I can get the maximum benefits.

Response: You will have to take into consideration for comparing rental car insurance quote :

To know exactly what type of auto insurance coverage you have, call the toll-free number on the back of the card you will be using to rent the car. Also remember that credit card benefits are secondary to either your personal insurance protection or the insurance offered by the rental car company.

Happy Thanks giving.

Jack Humpherey: How do I review car insurance coverage of “accident forgivness” when I compare auto insurance quotes for a policy? Please help me in this.

Response: Before you compare auto insurance quotes, it would be best to review car insurance coverage. For this it is necessary to understand what the coverage means. I know that insurance policies are very large and seem to be a jargon to most of us.

Accident forgiveness is mainly a marketing strategy followed by the auto insurance companies. Let me explain how this is a marketing strategy for the car insurance company. Please check the terms properly before you go for this since:

For the client this would mean that the first-at fault accident is forgiven and the accident would not be counted. His car insurance or auto insurance premium will not be higher or hiked in the subsequent year. The slightly higher premium he is paying for this benefit would be much lower than the premium he would have to pay if the accident was considered and he was charged for the same. You need to remember that once you have an accident, even if it is a minor accident your record will be blemished and this clause of “accident forgiveness” would not apply or become null and void. Your policy will be counted as any other risk.

Please consider all factors before you buy your insurance policy. Compare auto insurance quotes and review car insurance coverages, before you go in for your car insurance. A little bit of understanding and precaution is better than paying a higher price for the years to come.

Thanks.

Kamlesh

Stephen (North Dakota): I would like to compare auto insurance quote online but am worried if it would affect my credit score? This is because I have heard that insurance companies check your credit worthiness before giving insurance. Would I not be insured if I claim bankruptcy?

Response: Stephen, I would advice you to compare auto insurance quote online since if you compare your auto insurance quote online than your credit score for auto insurance rating would certainly not be affected. This is because the insurance companies would just process the data online and give you a quote without verifying your credit score. Than once you apply for insurance they would check your credit score. Secondly this is a soft hit to your credit and hence will not affect your credit score.

The connection between a driver’s safety record and credit rating is not readily apparent to most. Many consumers feel that insurance companies are intrusive when they request such information on an automobile insurance application. Many legislators, insurance commissioners, and consumer rights advocates agree, and have questioned the practice in recent years. Still, insurance companies explain that credit information is needed to make a complete risk analysis when evaluating an insurance application.

If you have filled bankruptcy than your auto insurance premium would be very high. At times some personal lines insurer might decline your risk.  Recently in the revisios of auto insurance in Ontario it is proposed that the credit rating should not affect the insurance rate and this parameter should not be a ground for denying car insurance coverage.

 It seems that there is a connection between credit risk and safety risk. Some insurance company statistics show that drivers with derogatory credit, historically file more accident claims than drivers without derogatory credit. Insurers reason that a consumer who is careful with one aspect of their life (e.g., financial affairs) is also likely to be careful with other aspects of their life (e.g., driving habits). Credit information is also needed to determine whether an applicant is likely to pay premiums in a timely fashion.

As per the insurance companies they like to review the credit scrore since this is a right measure for the nature of responsiblity of a person. If he has a good score it would mean that he is likely to be responsible on the road also. This would decrease the probability of loss to a great extent.

Taylor Lautner : This is my fisrt year driving in the winter. I want to avoid an auto accident where can I find information on how to prepare for the winter. How can I keep my auto insurance premium low?

Response : Taylor this is a very important question since the know how is very important for driving in winter since this will information be very crucial in not only safe-guarding your car and keeping the auto insurance rate low by avoiding accidents, but what is most important is it can save lives. Life is valuable. Over the years in the insurance field, I have gathered a lot of information and here are a few tips for winter preperation for you and your friends. Car insurance and car accidents are dependent on weather.

1.Create a Safety Kit. Be prepared with safety essentials in your car, including extra windshield wiper fluid, warm gloves and a hat, flashlight, remote jump starter, tire gauge, safety flares and a blanket.
2. Give Your Vehicle a Check Up. Avoid unnecessary accidents by taking a few minutes to check your vehicle before heading out.
3Use a small tire gauge to check your tires, as cold weather will lower their pressure.
4 Make sure taillights, headlights, blinkers and the horn are in good working order.
5.Play it Safe in the Dark. With shopping season in high gear, heavy traffic is more common, and nightfall comes earlier. When driving at night:
Avoid using any light inside your vehicle.
Use edge lines and center lines of the roadway as guides.
If street lights cause glare, dim your dashboard lights and use your sun visor.
6.Prevent Glare. Snowfall and other precipitation can serve up severe road glare:
Be prepared with a pair of sunglasses.
Avoid foggy blotches on your windows by cleaning the inside of your windshield regularly.
Consider using winter wiper blades designed to handle heavier road debris and snow.
7.Buckle Your Bundles. Loose gifts can be dangerous distractions, less than half of drivers (43 percent) secure their packages on the floor or buckle them down.

The most important thing to do in the winter is to see the weather and be prepared. You can also have your membership with a road assisstant company before hand so that you can get help when you need it. I am sure you will pick up the due diligence very soon since there is no greater teacher than yourself.

Happy and safe driving. Am sure you will be safe and you can also review auto insurance quotes so that you are sure you have the correct coverage before the winter starts. Once you make sure that you can avoid accidents and do not get tickets, you will qualify for discounts and also low auto insurance quote. Compare auto insurance quote from time to time to find out if there are any additional discounts for which you would qaulify.
Thanks.
Kamlesh