Saturday, June 6, 2009

Easy and Free Auto Insurance Quotes

Are you are tired of looking for the right auto insurance? Frustrated with all of the confusing terminology? Do you want to get an idea of what your ideal policy would cost you without the hassle of an auto insurance agent insisting you purchase? Well stop looking and start reading (the remainder of this article, that is!). For your convenience, we have put together a list of questions regarding the ease of finding auto insurance with no cost. Below you find popular concerns and questions that most drivers looking for auto insurance face.

Where do I start looking for auto insurance?
There are many places to start looking for
auto insurance, but your best bet is right here on our site. Enter in your zip code and answer the remaining questions honestly. Then, you will be given a list of auto insurance companies — including the more well-known companies — that are in your area who are willing to supply you with auto insurance. You can compare prices and companies side by side and think about which company would best suit you. When you have made your decision, you have the option of purchasing a policy online at that time. If you choose not to purchase a policy, don’t worry, you won’t be charged any fees. We offer our services to everyone to give a fair chance to all drivers to get the best auto insurance available.

The alternative method would be to contact auto insurance companies one by one and find out what they can do for you, especially as far as how much they would charge you for your policy. Be prepared to spend a lot of time and know you will be speaking to many people, possibly going through a number of automated systems where you will be using your keypad a few times. If you want to save time looking for auto insurance, use our site to compare quotes quickly and without any charge.

With so many options, how do I choose an auto insurance company?
While there are many options to choose from, each driver should pick their
auto insurance company based on the factors that are important to them, not to someone else. For instance, some drivers may feel it is more important to get the cheapest rate possible, while other drivers want an insurer with great customer service and financial stability. Listing the advantages of each company and knowing their weaknesses (if there are any) can help a driver make their final decision. Searching for reviews of the companies and asking trusted family members and friends who they use can also help.

Won’t an insurance agent try to get me to buy insurance that I don’t need?
It’s easy to think that an agent will be attempting to up-sell drivers on their insurance, getting them to purchase more than necessary. This is something leery drivers worry about and informed drivers laugh off. You can familiarize yourself with auto insurance terms by reading our site, which will allow you a better understanding of how auto insurance works. Of course any salesperson will want to up-sell you, but most auto insurance agents and companies are only trying to provide you with adequate insurance for your specific needs. It is recommended by experts to carry more auto insurance coverage than the minimum that’s required by the state, and rightfully so. The expense of repairing property (including vehicles) and medical bills increases over time.

As for medical coverage in your auto insurance policy, if you already know what your health insurance covers it will be an easy decision whether or not to purchase options like personal injury protection or medical payment for your policy. If your health insurance has a low maximum amount, additional insurance for possible medical bills from an accident may be a wise choice.

How much will I pay per month for auto insurance?
This is a popular question, but it can only be answered by your auto insurance company once you have a policy. You can choose the option to pay your premium in equal monthly payments throughout the duration of the policy period, or as one lump sum at the beginning of the policy and each time it renews. If you choose to pay monthly, some insurers will require a down payment, or about 25% of the premium upfront. The remaining balance will be paid over the policy period.

How much will my insurance increase if I’m in an accident or get a ticket?
This is another question that can only be answered with specific numbers by your auto insurance company. Some auto insurance companies will forgive a driver’s first accident if that person has had a spotless record for a few years. Otherwise, an accident can cause a 20-40% of the base rate increase. This increase is given for a number of reasons; two of which are because now that driver has increased their level of risk with the auto insurance company and the higher the level of risk a driver has, the higher their premium is. Second, the increased premium goes towards the costs the insurer had to payout in the claim.

Traffic tickets also increase premium rates because they show the insurance company a lack of paying attention to law or blatant disregard for it. Both of these attitudes show a higher level of risk that the driver will make a future claim. Again, as to how much a traffic ticket will increase your rates is up to your insurer.

How can I find out what my legal responsibility is regarding auto insurance?
Each state has their own requirements in regards to how much insurance each driver needs to have and the type of insurance that needs to be carried. Checking with your local State Department of Motor Vehicles or State Department of Transportation will let you know what the requirements are. Also, any auto insurance company in your state should know and should be able to tell you. Most states require at least bodily injury liability and property damage liability, while other states also require either uninsured/underinsured motorist liability, personal injury protection or a combination of these.

2 comments:

Marthe June 6, 2009 at 10:41 AM  

hei:) takk for kommentaren;)

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