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When do you compare auto insurance to get low auto insurance rates?

It is true that one should compare auto insurance or review car insurance at each renewal so that you get an opportunity too find out what are the present auto insurance rates. Most of us are lazy people and hate making that extra effort to get low auto insurance rates, since we think of auto insurance premiums as a necessary expense and do not relaize how much we are giving off to the insurance companies.

If you sit down and think and calculate, you will realize how much you are really giving away to the insurance company.

Its in your own best interest to compare auto insurance or review car insurance to get low auto insurance rates atleast before your renewal of the auto insurance policy.

7 changed situations, when you should compare auto insurance or reveiw car insurance to get low auto insurance rates

You need to compare auto insurance or review car insurance under the following changed situtations. I am not discsusing a change in your marital status or your employment situations where you are entitled to companies car here. We will discuss this in subsequent blog posts. Here, are certain situations, which you might not even have linked to be situations which are related to auto insurance, but which do make a difference when you compare auto insurance and you get low auto rates.

– You have a lifestyle change which may be that you drive less. You will be eligible for a discount on your auto insurance premium.
– Your teenager is no longer living with you and so you need to remove him from your coverage. You have named all drivers in your policy if they are staying with you and using your vehicle.
– Your credit history has improved and you need the insurance company to know about the credit history since your auto insurance rates would be lower if you have a good credit history. If you are with the same insurer, they might not be checking the history on each renewal.
– There are certain ages which critically affect the premium for example certain companies offer the 50+ discounts on auto insurance rate is based on your driving history.
– You have stoped driving a specialized vehicle and switched to a common regular branded vehicle. If this is the case whether it’s an RV or a commercial vehicle, a standard auto insurance policy will not provide the coverage you need for specialized and you might be with a specialized insurer, who charges higher premium. You will have to check with the insurer if they are offering you personal auto insurance. Personal auto insurance rates are lower and so,if you compre auto insurance you will get a low auto insurance rates.
– You have bought another car and now need insurance for two vehicles, you would be eligible for an additional discount if you get it from the same insurance company. Do not buy auto insurance from your dealer at the time when you buy your vehicle.
– You have become a member of an association you are a member of, in case there is a discount for the same.

Yes, these are circumstances, which you think never would make a difference, but do matte and give you a savings.

Happy motoring and great savings at compare auto insurance quote 411.com

Thanks.
Kamlesh

2011 trends in auto insurance revaled.Review car insurance and compare auto insurance to take advantage of trends.

2011 is going to be the year of soft auto insurance rates. Recession and economic down turns are still a concern not only for individuals but for business including the ever green auto insurance companies.

Insurance experts expect the five major trends which will be the influencing factors for getting low auto insurance rates. It is important for you to know what the trends are and to compare auto insurance quotes, review car insurance to get low auto insurance rates. Compareautoinsurancequote411.com has always endevoured to help you in the your efforts of saving on your car insurance.

Auto insurance Trend No 1 : Auto insurance companies will have competitive rates : Canada auto insurance companies have seen a rise in the auto insurance rates for those between 50 – 60 years of age, but USA is still going to have a very competitive auto insurance market. USA economy has still not kicked in and hence the insurance companies will be following a competitive rate strategy. It is the right time for you to review car insurance and compare auto insurance quotes to take advantage of this trend. It is best to take atleast a minimum of three different auto insurance companies rates before you sit down and decide where to place your business. Get the best auto insurance rates while you can.

Car insurance Trend 2 : Most insurance companies will be canvasing the Mileage based auto insurance rating system. Besides the usuall car insurance discounts the insurance companies will be offering “pay as you drive” insurance polices and these will be the epected norm in the years to come. Auto insurance rating and premium is based for “pay as you go” on the useage of your car of mileage. Hence if you are working from home or using your car less or have a limited use of your car you will be able to benefit from this. Compare auto insurance quotes and review car insurance mileage useage to get this advantage. This could be your opportunity and the right choice for you to get low auto insurance rates.

Some insurance companies place a device in your car which will help them know the mileage. What is more interesting for parents of teenagers is that this might be a good plan to have for your teenager since you can know about their whereabouts and their driving habits. Some insurance companies would just go by on the inspection report for mileage and hence you can review car insurance policies of different insurance companies to know what suits you best.

This trend has started for Texas and California and it would not be harful in asking your auto insurance company for a higher discount if your useage of mileage is much lesser.

2011 is going to be a year of low auto insurance rates and you can profit by just review car insurance and compare auto insurance.

Auto insurance Trend 3 : Discounts for good driving record and claims free consumers.
It is expected that the general auto insurance companies would be offering higher discounts and lower deductibles to the consumers who have no clamis or are claim free. This is an assurance of their better driving skills and responsiblites. This is just an expected trend in order that the insurance companies maintain their customer base and also their market share. This might not be something the smaller insurance companies would be able to offer to the public.

Review car insurance and do ask your insurance company for a low auto insurance rate if you had an accident free year.

Auto insurance trend 4 : Options of getting auto insurance on smart phones
Insurance companies are fast catching up the popular trends of smart phones, text messaging and also social media popularity. More and more insurance companies are using these meidas and encouraging even auto claims intimation on the phones. USA consumers do not check the auto insurance rates or compare auto insurance quotes, but it is time they can start doing this since the options are avaliable on the phones, ipads, smart phones and ofcourse the internet. Its time to take advantage since the brokers are fast using these methods also instead of sitting in their office and waiting for your call or visit.

Certainly, reviewing car insurance or compare auto insurance quotes is going to be more benefical instead of not getting auto insurance or cancelling your auto insurance policy.

The last and most important trend for auto insurance predicted for 2011 is that there will be more uninusred drivers. The economic crunch, jobless rates and fear are going to be factors where people would be choosing to be uninsured rather than pay for auto insurance.

It would cerainly be more benfiting for you to compare auto insurance qutoes and get a low auto insurance rate or put your vehicle under non-use rather than not take an auto insurnace policy. If you are involved in an auto accident and do not have an auto insurance policy it is going to hurt and harm you now. Not having insurance is going to certainly hurt you and you would be paying higher for not having continous auto insurance, hence be smart and compare auto insurance quotes and get your auto insurance policy today.

Please take advantage of 2011 expected trends. Feel free to let us know if you have any auto insurance related questions.
Happy 2011 to all my readers and subscribers.

Get your auto insurance quote here today.

Summary : 2011 auto insurance trends are positve and in consumers favour. Be smart and compare auto insurance quotes, review car insurance trends and take advantage of low auto insurance rates.

Matt Barack : I know that one must compare auto insurance quotes for making savings, but how and why should you compare auto insurance companies?

Response : Comparing auto insurance quotes and comparing insurance companies both are necessary before you make a decision of buying an auto insurance policy. This is like getting a good quality at a good price. The main reason why people are very particular of the choice of the auto insurance company is the level of comfort and ease they have had in dealing with them at some point of time. For some it is just because some of their friends and family said so. These are factors which are not related with the logical reasons. Here are the logical reasons for comparing how, what and why one should compare auto insurance companies before deciding :
The first factor is the price. The low auto insurance rate is one of the main reason why people buy. In fact this is the main reason why people come online and compare auto insurance. This is because they want to buy a cheap good deal. This is being very smart, since this is one expense you need to do and need to save also. The cheapest auto insurance, or the best car insurance quote company will win.

The second factor for comparing car insurance companies is the Insurer stabllity. The main prupose of buying an insurance is that at the time of the claim the insurance company should pay the claim and have the monetary funds for this. This can been done only if the insurer has stability. The AM Best rating guide is one of the best measures for this. However, being in this field for decades, let me assure you that the state financial rules and regulations are very strong and hence no state will permit an insurer who is not stable to underwrite any polices. So there is no need to worry about this.

The other factor which is important is the service. This service rendered are important since this is the very purpose, why you are paying the money. Insurance over the years have gained a very negative reputation on the services. However, with the competition in the market this is changing fast. Secondly the state insurance regulations make the norms and regulations same for all companies and so this is also something which you should not worry much about. As long as you have a genuie claim things will work out for your best.
Last but not least the competition has brought about the different additional coverages which some insurance companies add to their product. This is again dynamic and can be misleading and so you will have to compare auto insurance coverages – additional ones like towing, inclusion of pet, accident forgivness and others before you buy your auto insurance policy.

Shop around and you will find the best deals. Internet has brought this on your very door step. You can look up the quotes right now.

Steven: Is it adivisable to compare auto insurance quotes online? How should it be done?

Response: Yes, car insurance comparison is very easy and necessary. Joe was involved in a car accident which was fatal for his friend in his car. He didn’t take proper limits therefore his assets were wiped out. Joe was now trained to look for the correct auto insurance coverage and looked for low car insurance rates online. He could not believe that he was making a savings and his auto insurance rates were very low. Here is a check list for you:

The add on benefits and coverage’s offered by insurance companies differ, which makes car insurance comparison necessary.

Do not pay high auto insurance premiums. Learning to compare car insurance is very easy, especially if one needs to do it online and this can save your hard earned money. Everlasing benefits of savings of $350- $550 in car insurance premium. Find this out for yourself.

Drew Bress : I live in Texas. I have two auto insurance policies. Would I be allowed to use both my policy limits in case of an accident with uninsured motorist?

Response : First let me expalin the use of both limits in terms of insurance to you. If you have two polices of each $1million for uninsured motorist coverage, than if you meet with an accident obviously with one vehicle than when you want to utilize both the limits it is called stacking of polices. Insurance companies normally have an anti-stacking provision in their polices which would not allow the using of both limits of the policies.

In Texas in a particular case when a person was injured due to an uninsured motorist, he was allowed to use both the limits of his policy for the same. Thus as per the gist of the judgment given below :
“The Texas statute does not speak specifically to the stacking issue, but, as evidenced in the caselaw, the courts have expressed a clear understanding that the purpose of the statute is that insureds recover for their actual damages and that a policy provision preventing full recovery conflicts with that public policy and is thus invalid. Therefore, it appears that in Texas, the “two or more auto policies” provision, when coupled with the intent and purpose of the uninsured motorist statute, will not operate to prevent stacking where the insured has two policies with an insurer and their actual damages are greater than the maximum recovery under one policy’s uninsured/underinsured motorist coverage.

The stacking and anti-stacking of the policies would depend from state to state and the provisions and whether there has been a case decided in the same lines in the state.

Presently in the states due to recession, many people are driving auto’s uninsured and so it is very important that you have this coverage. Compare auto insurance coverages at all times and reviewyour auto insurance policy to ensure that you are fully provided for and insured under most circumstances. It is wiser to pay some price now for the future when you are in a tight situation.