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John Resse : What are the points, I should focus on in-order to get low car insurance rates, when I compare auto insurance, review car insurance coverages or buy auto insurance.

Low auto insurance rates :

Response :The car insurance industry is a massive industry. It is also a highly competitive one, and car insurance rates vary over time as car insurance companies compete for business. It is entirely possible to lower the cost of your auto insurance rates by altering your behaviour, and you can do this by having a better understanding of how the rates are assessed.Car insurance rates are often highly fluid. This is the reason why you need to compare car insurance quotes and review auto insurance coverages.

Car insurance rates are based on an assessment of risk. Whilst insurance companies vary their rates to compete with other insurance companies, they also vary their rates based on their assessment of the risk posed by a particular driver driving a particular car. They do this because there is no point in buying business with low car insurance rates and then insuring high risk drivers at these rates. This is a recipe for losing money.

So, if you lower your risk, you lower your car insurance. How do you lower your risk? Well there’s a number of ways that your own driving and car behaviour can affect your car insurance rates and you can get low car insurance rates.

Have a look at the car you drive. Is it suitable for your current needs? If not then would it be worthwhile to consider a change? Different cars attract different auto insurance rates. Sports cars, high powered cars and cars at greater risk of theft attract higher rates.

How long have you had your car and would it be wise to think about another one that would be cheaper to insure and more useful to you?

Are you a safe driver? Do you stick to the speed limit? Are you at risk of other driving offences? Many people do not think about some of the consequences of speeding tickets and driving offences until after they have seen their subsequent car insurance bill.

Your risk profile is a direct result of your driving record. A clean driving record and you will be rewarded by cheaper rates. A poor driving record and you will be penalised, usually for quite a while.

Are you willing to attend driver training courses? Many car insurance companies offer specific discounts for drivers who have attended a course. Why? Lower risk.

Are you willing to drive less? Could you car pool or use public transport to get to work? Car insurance companies look at the amount of driving their clients do when assessing their car insurance rates. Why? Lower risk. Less miles driven equals less risk. And you’ll save on other car costs too.

So if auto insurance costs are an issue for you and your family there are things you can do. These are just a few of those things, there are many more. Car insurance rates are not set in stone.


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Car insurance comparision

Neveda: How does one conduct car insurance comparision?

Response: Compare the pricing of auto insurance by using online quotes from various auto insurance companies. Depending on how the companies calculate the premiums you pay, these prices can vary significantly. They use your vehicle’s make, model and year as well as your driving history and age to determine your cost. These factors can weigh differently on your premium from one company to another. When price shopping, make sure all of the quotes are for the same amount of coverage. Lowering your deductibles will increase your overall costs. Each quote will be different, so pick the one that best suits your needs financially as the coverage should be quoted in the same amounts.

Bodily Injury, Property-Damage Liability and Personal-Injury Protection:Determine the minimum coverage needed in your state. Bodily injury and property-damage liability are the main types needed for an auto insurance policy, but requirements vary by state. These two coverages protect the other drivers and people involved in an accident. They generally cover the same things regardless of which company, so be wary of their cost and how they affect your overall insurance cost.

Compare personal-injury protection costs. In a no-fault state, this coverage will pay for your hospital bills and funeral costs as well as those of anyone involved in an accident, including pedestrians, regardless of fault. See whether the insurance you are comparing includes money for lost wages so that you can compare each policy on the same level.

Comprehensive and Collision
Add and compare collision and comprehensive coverage pricing. These two coverages are for damage to your vehicle. Each company calculates its cost differently. The standard required deductible for a car that is bank-owned is $500 for each. You will pay the first $500 of each in the case of an accident where your vehicle is damaged or when your vehicle is damaged by weather or occurrences that are not considered accidents. If your vehicle is stolen, your comprehensive coverage will pay for a replacement vehicle minus the $500 deductible.

Review your auto insurance from time to time.

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Discount Auto Insurance Quote

Penny : How can I get a discount auto insurance quote? Is it a myth?

Response : Penny, let me reassure you that discount auto insurance quote is not a myth but a reality.
Finding the cheapest auto policy used to take some time. But these days, on-line internet marketing has made insurance shopping is faster than ever before.

Gone are the days of looking through the phone book for the right agent. Though some insurance professionals advertise offline, many now choose to offer discount auto insurance through services like Compare auto insurance quote.

I will reveal an inside secret of how to get unique discounts by comparing polices and obtaining these discounts. One of them is the diver discount-no claims for 5 years, no licence suspension for 3 years. The second one is double deductible discount applicable on comprehensive and collision coverage, or increasing the discounts. The third is payment plan Discount which is offered by paying your premium up-front in full. Fourth is the transfer Discount for those who’ve previously held discount liability insurance through a different auto insurance company during the past six months. Fifth is affinity car insurance discount given to members of certain qualifying organizations, an extra discount up to three percent may be available on auto policies. Sixth is the passive occupant restraint auto insurance discount given for safety features like an automobile with full front-seat airbags or restraint devices that work automatically when your door closes may qualify for an additional discount. Seventh is carpool and public transportation discount given to reduce a car’s annual mileage.

Remember these discounts differs from insurance company to compnay and hence you need to compare auto insurance quotes.

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Mark Ling( Tampa, Florida) : I would like to review my auto insurance coverage? Do you think I should take car comprehensive coverage?

Review car insurance

Response: Mark Ling, you should review car insurance at least 2 times a year. Review car insurance quote and also your auto insurance coverage. You will save money and also get a better auto insurance coverage.

Comprehensive coverage covers your vehicle and other vehicles for all losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. It pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. Coverage is limited to the terms and conditions contained in the policy. This is not required by a state, but if you have a loan or a lease then the lien holder will require it.

If your car is financed or leased, the finance company will probably require that you carry this coverage.
If you have a newer vehicle or one in excellent condition, you may need this coverage to replace or repair the vehicle in case of loss. I would personally advise you to take this coverage only if you have a new car or one with a high market value.
If you have an older car or one in poor condition, you may not want to pay for this coverage.
God bless.

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