Archives | AutoQuoter

Can I Buy High Risk Auto Insurance On The Internet?

Posted Thursday, April 10, 2014

Insurance companies will consider you to be a high risk driver if you have been involved in an auto accident, have received speeding tickets, convicted of DUI/DWI, or have a poor credit history. Most insurers also consider young drivers, especially teens as high risk.

As a high risk driver you may end up paying more to get car insurance. Insurers will charge you higher premiums since you are likely to make large claims. However, you can still buy affordable car insurance on the internet.

When buying car insurance you should shop around before settling for one provider. This will enable you to choose the most affordable insurance car cover.

You should visit websites of many insurers. If you have any questions you should visit the FAQ section of the website. If you don’t get answers to your questions you can call the customer service desk of your respective insurer. Never underestimate the p...Read More

How Can I Find The Cheapest Car Insurance?

Posted Wednesday, April 9, 2014

Insurance is defined as "a thing providing protection against a possible eventuality" and that certainly applies to insuring your car.

When you make the premium payment every month, quarterly, or yearly, you may be wondering if there are better things you can do with your money. There isn't!

Here's why. When you need it most there is nothing you are more happy about then car insurance. The question is how much insurance do you really need and how can you find the cheapest car insurance?

Doing your research can be as simple as just shopping around using the Internet or picking up the telephone. If nothing else you may just be confirming that you already have the cheapest car insurance possible.

Beyond when a policy is coming up for renewal, the most common time that people consider car insurance is when they are getting ready to purchase a new automobile. One thing t...Read More

Car Insurance and Car Tipping

Posted Tuesday, April 8, 2014

KTVU in San Francisco reported that vandals hit the streets of San Francisco for a fun night of car tipping. Not cow tipping which was popular in the 1970's. but car tipping.

They were dressed in black sweatshirts and hoods to disguise themselves and in a ten block area of the Bernal Heights and Excelsior neighborhoods between 1:00 and 3:00 a.m they tipped over and damaged 4 Smart Cars.

Not sure why they thought this was funny, but I guarantee you the owners of the cars that were damaged are not laughing. This does bring up a good point about car insurance though.

You are probably carrying the right amount of collision insurance, but how about comprehensive insurance? Do you have that on your policy as well?

Collision insurance is a descriptive term that means just what it says. If you get an accident with another car your collision insurance is going to help cover the repairs...Read More

Explaining Different Areas Of Car Insurance Coverage

Posted Monday, April 7, 2014

Car insurance is very important. It can also be confusing if you're not aware of the different areas of insurance that go into a policy.

If you have proper car insurance when you need it everything goes smoothly. One exception to this is when you are involved in an accident with someone who does not have insurance or does not carry enough insurance.

Most people are going to skimp on their car insurance based on lack of income to carry the proper amount. However, some people really do not understand what the various types of car insurance coverage are so let's take a look at those in this article.

1. Liability insurance. This is one you really want to pay attention to. Most states are going to have minimum coverage required so you need to know what that is in the state you live.

Another thing to consider is whether the minimum coverage required in your state is going to be adeq...Read More

Do I need a separate insurance card to rent my car out?

Posted Monday, April 7, 2014

With car rental sites like Relay Rides, Lyft and Uber becoming more popular, this is a common question that drivers may have? How can you be certain that your car is covered while it is being rented by someone else?

Relay Rides offers a great explanation of this. Basically, each of these companies provide insurance for your vehicle while it is being rented out. During the rental, your normal insurance policy is not in force. Should there be an accident, you will need to contact the rental agency, like Relay Rides, to obtain the necessary insurance information.

Here is an excerpt from Relay Rides web site:

During a reservation, the RelayRides ins...Read More

Car Insurance-Price Or Quality?

Posted Sunday, April 6, 2014

Car Insurance-Price Or Quality?

The primary reason that we all buy car insurance is to protect ourselves in case of an accident. Another reason of course is that it's required by the law, so you don't have any choice if you want to drive legally.

Here's the thing about car accidents, you never know when you're going to be involved in one. You could drive for several years and never have an accident, and then be involved in two in one week.

I'm sure that we would all feel safer if we didn't have to drive, but the next best thing on safety is to have car insurance and know you protected when you need it. Even if you pay your premium every month and never use it it is still there for when you do.

There is one problem that the average driver faces. Car insurance is not necessarily cheap, and when people are faced with financial decisions and looking for places to cut corners, sometimes ...Read More

Brians New Title

Posted Friday, April 4, 2014
This is rick's new page

5 Common High Risk Car Insurance Tips

Posted Thursday, April 3, 2014

An auto insurance company refers to those drivers who have marred their driving records such as having a DUI/DWI conviction or a moving violating as high-risk driver. Since these individuals still need to drive to commute to their workplace, or to be able to take care of themselves and family, there are new programs to help them deal with their higher cost of their liability when on the road.

Here are some common high risk car insurance tips:

Look for a non-standard auto insurance

Most insurance company respond to a high risk driver with a product known as non-standard auto insurance. A non-standard auto insurance is a kind of insurance policy that covers high risk drivers and it is part of the high risk tier with its own premiums to drivers who do not have a clean driving record.

Use Policy Limits to lower the Costs

High-risk drivers with a less signi...Read More

6 Cheapest Car Insurance Tips

Posted Thursday, April 3, 2014

Do you know that finding car insurance quotes online is quite easy, but with the cheapest car insurance tips it is also absolutely simpler? However, finding the cheapest car insurance rates may be more of a problem.

Even as car insurance costs go up every year, there are actually many people looking to buy cheap car insurance because the cost of living keeps going up in all areas of life. As we all know car insurance companies can differ greatly in the quote they deliver to us.

To find cheap car insurance on the monthly premiums you pay takes a little work. So, making a blunder regarding the company you decide to do the business with may lead to a number of challenges in the future, mainly when trying to file a claim.

It is therefore imperative when searching different kinds of automotive insurance brokers to not only to look at cheaper auto quotes that you may find. It’s very important to have ...Read More

Seasonality in Auto Insurance Prices

Posted Tuesday, April 1, 2014

The Witchita Business Journal reported on January 30, 2014 that there was a national variance of 7.5%. That is, on average, there was a 7.5% between the most expensive months to buy car insurance and the cheapest.

In Kansas the variance was only 5.8%, the 5th lowest in the country. Hawaii was the highest at over 47% and Wyoming was over 39%. There were no figures reported for Illinois, Indiana, Texas, California, Nevada or Arizona.

You can read the entire artile here: http://www.bizjournals.com/wichita/news/2014/01/30/buying-auto-insurance-might-be-cheaper.html

The story underscored the importance of comparision shopping through an independent agent who works with several insurance companies.

Google By Chris Albu
<...Read More

An Overview of SR22 Insurance: Things You Need To Know About It

Posted Monday, March 31, 2014

An SR22 isa document which shows financial responsibility proof. For instance, if you are found driving without auto insurance by the police, you will could be required to file for this insurance form. You also need to be carrying it for a certain period of time, usually not less than 3 years. The SR22 only expires once this duration is successfully fulfilled.

Besides driving without insurance, this particular document can also be associated with other traffic offenses. These can include DWI, DUI, or any other severe moving violation, causing at-fault accidents without proof of insurance, repeating traffic offenses within a short time, and when the license is revoked or suspended can also issued to an individual.

How Long You Will Need an SR22 Insurance

Generally, if you happen to break any of the above mentioned traffic offenses; expect to hold this document for a quite long time. As mentioned ...Read More

Lower My Teen Driver's Vehicle Insurance Premium

Posted Saturday, March 29, 2014

If you have a teenager getting ready to drive you may be a little apprehensive. On one hand the thought of having another driver to help out now and then is a good thing. On the other hand the fear of and accident and the additional cost for vehicle insurance can be cause more then apprehension.

There's no doubt that ensuring a teenage driver is expensive. Car insurance companies base their rates on risk and this age group is more risky than any other.

According to the Insurance Information Institute, a New York-based trade group, you can expect your car insurance premiums to jump 50% and in some states they could more then double.

That can be a lot of money, but what are your options?

1. You could not let them get a drivers license and deal with them complaining about it everyday.

2. You could make them pay for there own insurance and either put them ...Read More

Your Auto Insurance Rates: You Have More Control Then You Realize

Posted Friday, March 28, 2014

Are you the kind of person that likes to be in control of everything that goes on around them? Some people do not realize that they have control over their auto insurance rates, but rather think the insurance company has the control.

It is true that they're going to tell you what your rate is according to your driving record, but the information you provide to them is what they're going to base it on as well.

Here are a list of things that you have control over that do affect your auto insurance rates.

1. Driving record. This is the single biggest factor that auto insurance companies consider when they're setting your rates. Keep in mind that the longer you go without a ticket or an accident the lower your next premium will be.

2. Your spouse. If you're married both of you should be on the same insurance policy. Generally married people get a better rate on their premium than ...Read More

Insider Tips for Saving Money on Car Insurance

Posted Friday, March 28, 2014

Google By Brian Marquis

Here are some tips that can help you save some serious money on your next car insurance policy. Who wouldn't like to have an extra $50 every month to spend on gadgets or fashion?

I've been working as a computer programmer in the car insurance industry for almost a decade. Along the way, I've learned how to avoid paying extra fees and also how to select exactly the right coverage for your needs. In fact, I used this information myself to reduce the cost of my insurance by $800 a year. Here's how I did it:

Know Your Policy
First of all, you need to know what your insurance is costing you. Without this crucial bit of informati...Read More

Filing A Car Insurance Claim: Follow These 9 Steps

Posted Tuesday, March 25, 2014

Getting involved in a car accident can be a very stressful experience, regardless of the nature of the accident; major or minor. It is an unpleasant experience especially if you have never been through this process with your car insurance company.

It is therefore important to know the proper steps involved in filing a car insurance claim. This will save you from the pressures that come with an accident and may also help you save money that could come from filing a claim incorrectly

The following steps are to be followed to file a successful car insurance claim after an accident.

1. It is important to properly inspect your insurance policy. Read and re-read it so that you understand your responsibility and your Insurer’s responsibility in the event of an accident.

2. Call 911. In case of a life-threatening injury to either parties involved in the car accident, call 911 fo...Read More

Why Should I Compare Auto Insurance Quotes Today?

Posted Monday, March 24, 2014

There are many people who are in need of auto insurance quotes today. Most of the people just rush to any insurance company, and they will end up spending more than they had expected.

This is due to the fact that different insurance companies will offer similar services of different quality, but in different price ranges. This implies that for you as a buyer, you should take your time and compare several companies before deciding on one company to insure you against the risks you have when driving your car.

This way you will be in a position to not only save on cost, but also to get quality services. Are you one of such individuals who are in need of an auto insurance quote? Here are the main reasons why you should compare several car auto insurance quotes today before buying one of them.

1. Save on your total cost. This is due to the fact that different companies offer various services in many ...Read More

SR22 Chicago Car Insurance

Posted Monday, March 24, 2014

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Get a free sr22 insurance quote. If you live in Chicago, we have the cheapest SR22 insurance available. We make insurance companies compete for your business.

Enter your zip code today to get started.

Google By Brian Marquis

Personal Auto Policies for UBER

Posted Monday, March 24, 2014

The Insurance Journal reported today that UBER, the rde sharing company, has announced that they now have auto insurance to help mitigate the "gap" that has emerged. According to their blog, Uber is becoming the first company to have a policy that expands the insurance of ridesharing drivers to cover any potential insurance gap for accidents that occur while drivers are not providing transportation service for hire but are logged onto the Uber network and available to accept a ride. You can read the article in its entirety here: http://www.insurancejournal.com/news/national/2014/03/14/323329.htm

Read More

Performance High for Independent Insurance Agents

Posted Monday, March 24, 2014

Reagan Consulting reported in the Insurance Journal on February 11, 2014 that Independent Insurance Agents posted new highs for profitability and growth in the 4th quarter of 2013. This was derived from a survey of several large and mid-sized agencies. Median organic growth was 6.2%. The article's author wondered if this profitability can be sustained. The article can be read in its entirety here: http://www.insurancejournal.com/news/national/2014/02/11/320109.htm?utm_campaign=Social%20Media%20Posts&utm_source=linkedin&utm_medium=social&utm_content=4229895

Independent agencies who use QuotePro's Technology have enjoyed a new sales distribution channel. QuotePro's baseline technology, the Comparative Rater, powers agency websites to SELL auto insurance. This keeps the agency open 24/7 by facilitating online sales of Auto Insurance without agent intervention. Additionally, QuotePro can enable agency websites t...Read More

Mandatory Auto Insurance in Illinois

Posted Monday, March 24, 2014
According to IL Secretary of State Jesse White's website, www.cyberdriveillinois.com, Illinois' mandatory auto insurance laws are a significant consumer protective act. You are in compliance of the law if you have insurance coverage of $20,000 for injury or death of one person in an accident, $40,000 for injury or death of more than one person in an accident and $15,000 for the damage of another person's property (20/40). State minimum coverage in Illinois is different than the state minimum coverage than in Indiana, but it seems that 25/50 is the most common state minimum limit nationwide. Your local independent insurance agent can help you stay compliant no matter where you live.
Google By Chris Albu

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