joe paterno : I heard elephant auto insurance is giving low auto insurance rates? Is this true?

Response : Joe, Elephant insurance has started its operations and here is some information on this. Personally, I would shop for quotes, compare auto insurance quotes online and also ask some insurance companies before I actually buy my insurance.

Here is some information on Elephant insurance

Commercial opens on the Elephant Auto Insurance logo and the sound of a trumpeting elephant before spokesman is shown onscreen.

Spokesman: Did you know Elephant has lowered their rates by over 30% in the past year all over southwest Virginia?

Map appears behind the spokesman of Virginia Elephant Auto Insurance coverage area with little elephant symbols popping up all over southwest Virginia as he speaks.

Spokesman: If you live in Roanoke, Lynchburg, Salem, Martinsville or the surrounding areas you could save a ton with Elephant. These great rates can’t last forever. Get a quote now at elephant.com and join the thousands of others who are already taking advantage of these amazing rate decreases and saving over 500 dollars per year.

Map disappears and Elephant Auto Insurance logo appears next to him with the phone number and the web address for the company below the logo.

Spokesman: Call or visit us online at elephant.com.

This Elephant Auto Insurance commercial is pointblank for just southwest Virginia even though Elephant Auto Insurance writes in the whole state of Virginia, Illinois and Maryland also. So something has happened in southwest Virginia that Elephant Auto Insurance was able to decrease the premium for this particular coverage area that they write for.

This is not unheard of though, whenever new safety statistics come out for certain areas a change in rates is seen. If the new statistics show a decrease in claims or in activity that claims are filed for, rates go down. Likewise, if there is an increase in activity for claims then the rates go up. Elephant Auto Insurance must have received new stats and refigured their rates to be able to do this.

For the residents of southwest Virginia that have gotten quotes from Elephant Auto Insurance before, they are indirectly letting them know that if they call for a quote now the premium may be lower. For the other residents in this area, they are throwing the bait out there to get their interest in calling Elephant Auto Insurance for a quote. The others are going to want to check if Elephant Auto Insurance is now cheaper than their car insurance with this new rate decrease.

I personally have never heard of Elephant AutoInsurance as I do not live in the area that they write insurance for. I do like the Elephant Auto Insurance logo and the memory tricks that they use in their otherwise boring commercial.

The elephant is something new and catches your attention if you have never seen it and it is a mascot to associate with this company (visual memory). The elephant trumpeting is not something you usually hear for a car insurance commercial (audio memory) and their telephone number (877-21-trunk) associates their mascot and their number together to make it easier to remember Elephant Auto Insurance.

Even though I think the Elephant Auto Insurance commercial is boring, it does its job to get you to both remember the company and attract the attention of the residents in this area. I have to give this particular Elephant Auto Insurance commercial a thumbs up.

Search for and maintaining low auto insurance rates not a coincidence. It requires something in the future a little know, some research and then some ongoing efforts.

Five steps to thelow auto insurance rates

The following five steps to the cheap car insurance that will help you virtually are guaranteed to save money. But before we it is important to know how insurance you, determine your premiums.

Most of them use one relatively complicated formula, which in several things factors:

Make, model, and book value of the car as a Insuredthe State and local area you live in package and matrimonial Statusdriving history – including accidents and injuries

Tip 1 – know State requirements

The first step in the search is for the best deal on car insurance to know what are the minimum requirements. Every State in the Union requires a type of insurance, whether by a licensed provider or a means to the auto insurance and company are typically about charge the same rate for the minima. Once these requirements have been met, everything is added, what else to your policy “Extra”. And the Extras are, where the rate differences lie.

Tip 2 – compare companies

The next step is to start on the search online and/or to talk compare to a policy with one another. But you’re doing so apples apples comparison. In other words, if the first directive which you explore minima plus full collision and glass contains the State, make sure that the second and third rules either exactly the same or as similar as possible. Online comparisons are the fastest and easiest way to do this.

Tip # 3-pay the directive fully

Very few people realize that their credit rating plays in how much they for insurance numbers. Still, if you can pay for the entire policy front, the insurance company not concerned will pay on your credit rating or your ability. You need money and you get it a lower price due.

Tip # 4-Prevention of accidents

It is a fact of life that car insurance is all about risk. If you have an accident you provide a greater risk to the insurance company that she will lose money on your policy. This is why accidents cause that our prices increase. Drive safely at any time, to avoid accidents. This is one of the best things you can do to keep your insurance rates low.

Tip # 5 – no violations of the law

Just like accidents causing injuries your insurance premiums to rise. Serious offences, such as DWI or leaving a scene of the accident, you can in a special high risk pool with much higher rates be placed cause. You can even result in you which of your current insurance, so to avoid, fell tickets and violations of a clever idea. If you already have some on your plate, you hold on a clean slate from that point and eventually they will met your record.

Yes, you can get your low auto insurance rates here- copmare auto insurance quotes anf review car insurance

auto insurance, personal injury coverage

Auto insurance changes to personal injury protection coverage offered

Last week there has been a proposed change to the auto insurance coverage of personal injury protection in an attempt to control the rise in the auto insurance rates.
Analysis of the data from the auto insurance indicates that the insurance companies are paying $1.23 against every $1.00 received in auto insurance premium.

What is personal injury protection coverage and how would this affect you

Personal injury protection is the coverage which pays for you or anyone in your vehicle, who is injured during an auto accident for medical expense and treatment to injury, loss of earnings and other expenses. This is paid irrespective of the fact whether you are at fault and is also called “no-fault coverage”
No-fault coverage is compulsory in New Jersey. This was a benefit for any person who did not have a medical coverage and was injured in an accident. Till date there were no restrictions in the treatments under the coverage.

Changes proposed in the auto insurance coverage and who would benefit.

The proposed changes would expand the list of treatments that would be governed by a predetermined fees attached. Doctors would not be able to charge separately for office visits for patients for diagnostic and treatment on this coverage. In short there is going to be certain limitations for the personal injury coverage benefits- you can read more in detail at the article on auto insurance published by insurance
The main advantage for this would be to the insurance companies in the initial state, since their expense would come down. In the long run, this would also be beneficial to the auto insurance buyers since their auto insurance premium would lower.

Review car insurance and compare auto insurance quotes to get low auto insurance rates.

low car insurance quote

Your driving IQ matters to get low auto insurance.

I was recently reading about driving IQ and was wondering if this was something to consider for getting low auto insurance.
What is your driving IQ and how does this matter to getting low auto insurance?
It might surprise you but the truth is I was recently reading an article in McClatchy- Tribune Information Services and read that “Highway Patrol Lt. Janita West said that thought often crosses her mind when she takes drivers on the road for a driver’s license test — especially teenage drivers.

Results of the seventh annual GMAC Insurance National Drivers Test indicate an estimated 36.9 million drivers nationwide would fail the written test if they took it today. GMAC considers its annual test “the benchmark for America’s driving IQ.”

A total of 5,130 licensed drivers, ages 16 to 65, took this year’s 20-question test, which requires a score of 70 to pass. The test result show that one in five licensed drivers doesn’t know enough about the rules of the road to pass a written driver’s test.

The basics of knowing the rules of the road are very important to avoid accidents and this will get you low auto insurance. Lets discuss this in detail since once you understand something; it would very easy for you to implement it.

How would driving IQ get you low auto insurance rates?

It is obvious that you cannot implement what you do not know. If you do not know the rules of the road the chances of your breaking and violating the rules unknowingly are higher. Now, the other person on the road would assume that you know the rules of the road and are following them, hence they would be caught completely unawares when you break the rule. A fast moving vehicle takes its own time and distance to come to a stop and thus an accident is likely to occur. Once an accident occurs, this is going to be reflected on your driving license- your driving record is affected and the chances of your getting low auto insurance rates would diminish since the insurance company would apply the loading for the claim or accident or your bad driving record.

Driving IQ helps you in getting low auto insurance rates?

If your driving IQ is higher than you are the one who knows the rule. Remember it is not only important to know the rules but also to obey the rules of driving. When any rules are obeyed the chances of getting into trouble or problems is minimized and this would also be true for driving rules. The chances of your getting involved in a car accident would be drastically reduced. This would lead you to maintaining a good driving record. The driver is one of the most important consideration when rating a car insurance policy for the general insurance company. You are given a discount for claims free years and also the rating is reduced for your good driving record and hence you would get low auto insurance rates.

Another obvious way to get low auto insurance rates is to compare auto insurance rates online and review car insurance rates given by different companies. Beat the insurance company by their own strategy of law of large numbers. The more the car insurance quotes you compare the more the chances of getting low auto insurance rates.

Compare auto insurance rates in snow states

Compare auto insurance rates based on the amount of snow.

Compare auto insurance rates based on the amount of snow. You will be surprised to find out that the auto insurance rates are lower for places which have higher snow. Is this something surprising?
According to the U.S. Census Bureau estimates, the following major American cities experience at least 20 inches (50.8 centimeters) in average annual snowfall.
10. Denver, Colorado … 60.3 inches
11. Cleveland, Ohio … 59 inches
12. Milwaukee, Wisconsin … 47.1 inches
13. Detroit, Michigan … 41.9 inches
14. Chicago, Illinois … 38.2 inches
15. Indianapolis, Indiana … 24.1 inches
16. Baltimore, Maryland … 21.4 inches
17. Philadelphia, Pennsylvania … 21.1 inches
18. Kansas City, Missouri … 20 inches.
Ice and snow can make for treacherous driving conditions. To see if more snowfall results in higher auto insurance rates, average car insurance quotes from where compared last year by a leading insurer and based on this see the report below.

Compare auto insurance rates of different cities in US

That benchmark was used to establish the percentages by which average car insurance rates were higher or lower has been done by insurance.com
1. Denver … US$1,515 average annual premium (18% lower than US average)
2. Cleveland … $1,193 (35% lower)
3. Milwaukee … $1,339 (27% lower)
4. Detroit … $2,033 (10% higher)
5. Chicago … $1,488 (19% lower)
6. Indianapolis … $1,503 (18% lower)
7. Baltimore … $2,289 (24% higher)
8. Philadelphia … $2,093 (14% higher)
9. Kansas City … $1,537 (17% lower).
The average car insurance premium for the above 9 cities is $1,665 or roughly 10% lower than the U.S. national average of $1,844.
You never would have realized that this if you did not compare auto insurance rates, would you?

Compare auto insurance risk managment factors that lead to low auto insurance rates for snow covered places

The fact is that these regions have a less auto insurance claim ratio. Let us compare auto insurance risk management for this region and this could be leading factors for :
1) The prevaling snow condition force the drivers to be more careful when they drive.
2) Compulsion for the drivers to get their vehicles maintained before the snow season, and these drivers would form a habit to maintain their vehicles.
3) Drivers do not speed when there is snow, speeding is a leading cause of auto accidents.
4) Driving mileage would be less in snow weather, since people will be encouraged to stay indoors.

Would you like to move to a snow covered region, or would you prefer to compare auto insurance quotes here and get low car insurance quotes? Guaranteed low auto insurance rates, just for taking the minute to compare auto insurance quotes here.