Frequently Asked Insurance Questions

Car insurance can be very confusing for new buyers or those who are shopping around for the best deal. We've compiled a list of helpful answers and articles to help you make a more informed decision about your auto coverage.

 

Google By Brian Marquis



Car Insurance Comparison

Posted Monday, October 15, 2012

A number of insurance web sites offer the ability to compare insurance from multiple companies. However, many of these sites are simply lead resellers. Their sole existence is to resell your information to as many insurance companies as they can. They can leave you inundated with spam and junk mail.

AutoQuoter.com offers a different kind of auto insurance comparison, where we partner with select insurance agents in each state, those who offer quality insurance from reputable insurance companies. Your information is never mass marketed to the highest bidder. Instead, a local insurance agency is selected to process your request for a quote. We also offer the ability to purchase online through agreements that we've obtained with a number of insurance companies, providing a one-stop shopping experience for your ...Read More

Tips For Keeping Your Insurance Low

Posted Monday, March 24, 2014

Car insurance is something that every person must purchase if they are to be allowed to operate a motor vehicle. This law was put in place to cover people’s financial liability, so that any injuries or damages could be immediately paid for. Most people don’t have thousands of dollars sitting around, so this system is a great way to protect someone’s financial liability. However, it can become very expensive if you aren’t careful.

Drive Safely

Every time that you get a ticket, your insurance goes up. This shows the insurance company that you aren’t a safe driver, and you are more of a liability. They begin to charge you more money so that they can cover themselves in case you end up in a wreck. So, the very first tip is to drive the speed limit, wear your seatbelt, and just work hard to avo...Read More

Finding Inexpensive Car Insurance

Posted Monday, October 15, 2012

Finding cheap car insurance can seem like a very difficult task because there are so many options out there, but it can be made much easier if you know where to look. With the proper information, you can get started on your great search for the cheapest car insurance available to you. Just follow these guidelines to begin.

Research Online

The Internet is a great resource to find information on many products and services, even if they aren’t offered for online purposes. All over the Internet you will find reviews and policy descriptions of every insurance company out there. However, you probably don’t want to have to take the time to look at each and every car insurance company, so you can simplify this process.

Start out by narrowing your search by using your location in the search term. For example, ...Read More

Why Do You Need Car Insurance?

Posted Monday, March 24, 2014

Of course, every driver needs car insurance in order to legally operate a motor vehicle. This is generally accepted by most people as something that just have to be, but for the curious ones out there that want to know exactly why they need to have car insurance, this article is for you. Hopefully this can help you understand why it is necessary, and why you should try to find an insurance company that completely covers your financial liability.

Paying For Damages

Damages that are caused by a car accident usually rise up to several thousand dollars, which is a lot more than most people have in their bank accounts. Not only that, but even if they did manage to somehow have several thousand in their account, it would definitely hurt their savings to have to shuffle that money out for an a...Read More

A Great Way to Find Cheap Auto Insurance

Posted Wednesday, October 31, 2012

You have probably noticed that many companies advertise that they offer cheap auto insurance. Everyone wants to save money on their coverage but make certain that if you consider cheap auto insurance, it can provide you with adequate coverage from a reputable company. Here’s a suggestion which is a great option.

The Internet has made it much easier to search for and evaluate auto insurance from different carriers. Do a Google search on the topic and you’ll find literally thousands of sites which advertise cheap auto insurance. However we have found the AutoQuoter service to be one of the best of its kind.

If you access the site which has this service, you will be asked to enter key information including driver and insured name and address, vehicle information, driving history, coverage desired and other data. You only need enter...Read More

Auto Insurance – Compare Options Easily

Posted Wednesday, October 31, 2012

Auto insurance provides protection and peace of mind for you and your family. It covers physical damage and usually protects against loss due to medical expenses and liability related issues. But the coverage and cost can vary quite a bit so it’s important to check out different options. Here are some suggestions to help you to do so.

The Internet has made it much easier to compare rates and insurance companies. There are websites where you can access a form where you enter key information related to obtaining rate information and details on coverage and companies. You only need do this once in a system called Autoquoter. It very quickly accesses rate information and other details from multiple companies.

This information can help you to quickly and easily compare the cost of coverage from different companies and what it covers. You...Read More

Auto Insurance – How to Save Money

Posted Wednesday, October 31, 2012

Auto insurance is something which virtually every driver needs but doesn’t necessarily like what it costs. However there are ways to save money through the power of the Internet. We’ll discuss some tools and resources to take advantage of this.

Auto insurance can vary widely on the cost for similar coverage. This is because different companies charge different amounts for certain kinds of coverage. And one company may offer a better rate to certain kinds of drivers than another company.

Well this is all fine and great. But how does the average person find out how to best take advantage of these differences. We as indicated earlier, the Internet can be a great place to price shop and compare auto insurance rates.

There are a number of companies which have websites which allow a user to enter critical information and then obtai...Read More

Benefits of an Online Car Insurance Website

Posted Wednesday, October 31, 2012

It used to be that the only way to receive a car insurance policy was to either contact a car insurance company directly or work with an agent. Both options required that you fill out forms, deliver them to the company or agent, and wait for a quotation.

Once you received a quotation, you then had to wait for approval and bring or send your payment to the company in order to bind coverage. But a good option is to use an online car insurance website. We will discuss some of the pros and cons.

An online car insurance website may use a system like AutoQuoter. It allows you to enter information required to obtain quotes for car insurance. In this case the information only need be entered once and quotes from many different car insurance companies can be obtained very quickly and reliably.

The information clearly shows the kind of coverage offered,...Read More

Benefits of Shopping for Car Insurance Online

Posted Wednesday, October 31, 2012

A fairly development has been the ability for consumers to shop for an obtain car insurance through an online website. Let’s discuss some of the benefits of shopping for car insurance online.

Previously in order to consider car insurance coverage, a person would first have to contact a car insurance company or agent. Then it would be necessary to fill out many forms and submit them to the agent. At that point the agent could arrange to have the company provide the costs for certain kinds of car insurance coverage.

If someone wanted to compare rates and coverage among different companies, it was necessary to submit paperwork and information to each company. This was laborious and very time consuming.

But the use of an online system like the AutoQuoter enables a consumer to enter the information necessary to obtain car insurance only o...Read More

Car Insurance – Factors which affect rates

Posted Wednesday, October 31, 2012

If you operate a vehicle, then you are either required to have car insurance or should certainly make sure you are adequately covered. The risk of driving a vehicle without some type of coverage is simply too great to leave it to chance. In choosing car insurance, you will need to evaluate rates from may be offered from different carriers. These rates can vary quite a bit so it’s important to understand how they are affected.

There is usually a good deal of variation on rates for the same amount of coverage. This is because the rates are affected by a variety of factors. Let’s look at some of the key factors:

Type of vehicle insured. The cost of coverage can be greatly affected by the vehicle it protects. Not only is the value of the vehicle an important criteria but the reliability and safety history of the car can play a key rol...Read More

Car Insurance - Find the Best Coverage for Your Needs

Posted Friday, March 14, 2014

Obtaining car insurance can be a complicated and frustrating process at times. But there are some great resources available which can help you to find the best coverage for your needs at a competitive price. The steps involved in doing so are pretty simple as well. Let’s explore this further.

If you want to shop for car insurance and find the best coverage for your needs, look no further than the Internet. There are some great sites which make this process easy and effective.

We particularly like the AutoQuoter system which can be accessed through a website. When you visit the site and decide to search out and evaluate different coverage options, you only need enter required information like driver info and history, vehicle info, coverage, location, and other info once.

This data is used to obtain multiple quotes for coverage f...Read More

Car Insurance – How to Shop for a Good Rate

Posted Wednesday, October 31, 2012

Car insurance is important in protecting your vehicle from the cost of damage as well as protecting you financially from losses which may be experienced as a result of an auto accident. It brings security and peace of mind to its customers.

But the cost may be more than you expect. The good news is that there are some very effective ways to save money on your coverage if you shop for a good rate. We will discuss some good ways to do so.

It used to be that if you wanted to shop for a good rate, you had to phone many different insurance agents or companies and request a rate quotation. This could be very time consuming. And there were often a limited number of companies you could request a quotation from in the first place. So you never knew for sure if you were in fact getting a good rate.

But a recent online tool like AutoQuoter has...Read More

Car Insurance – Using the Internet

Posted Wednesday, October 31, 2012

As was often the case, in order to get car insurance, you had to contact an agent either by phone or through a personal visit and then provide all kinds of information about the vehicle you wanted to insure, your driving history and other pertinent information. The agent would then provide you with a quote but in order to bind the insurance you had to sign a bunch of forms usually in person and then you could eventually get coverage.

This often took days. But now through the Internet, you can shop for rates, compare coverage and companies, and receive the coverage you choose almost immediately. And it can all be done over the Internet. Let’s see how this can occur.

Through an effective tool called AutoQuoter, it is possible to enter information in one place. This information is used to get rate quotes from several different insurance compani...Read More

Compare Coverage and Cost of Car Insurance Online

Posted Wednesday, October 31, 2012

Car insurance was something which most people knew they had to get but generally understood little about it. The advent of the Internet has changed this and it is now possible for people to easily compare coverage and cost of car insurance online. If you would like to take advantage of the resources found on the Internet, here are some suggestions.

There are some very helpful and effective websites where a user can enter information about themselves, the vehicles they wish to be covered, driving history, and the type and amount of coverage.

We are very pleased with a site which uses a tool called AutoQuoter. This program will take the information entered and then use it to develop quotes for insurance coverage from many different insurance companies.

The results are organized in a very clear and effective manner. By reviewing these qu...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 logo

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

Evaluate Car Insurance Companies

Posted Wednesday, October 31, 2012

We all probably know that car insurance policies are issued and managed by car insurance companies. They are offered and administered through a network of independent or company employed sales agents. The kind of coverage a particular insurance company offers may differ from other companies. So it is important to understand more about the particular company you may be considering. Here are some suggestions.

The Internet provides some great resources when it comes to learning more about a particular insurance company and their performance. One place to look further is the online Better Business Bureau. You can search for open complaints against a particular company and what steps have been taken to rectify the problem.

Your state usually has a department which manages insurance related matters. They often have public records which can tell you more...Read More

Finding Discounts With Your Car Insurance Company

Posted Friday, October 5, 2012

Did you know that there are actually many discounts and extra benefits available to you? Of course, this depends on your specific insurance company, but this is actually true. Many companies have several discounts that can be provided to you if you meet the criteria and request them. However, most people don’t know about them and just assume that they are getting their insurance for the cheapest amount possible. You will no longer be one of those people!

Finding Out About These Discounts

Just like with many things, you have to do your research in order to obtain information about these benefits. You can start out by visiting the website of your insurance agency. This will sometimes promote their offered discounts to try and bring in new customers, which is why this would be a real easy place to star...Read More

How to Find Cheap Car Insurance

Posted Wednesday, October 31, 2012

Most people are aware of the need and benefit of car insurance. It helps to protect the vehicle as well as drivers, passengers and others which may be affected by an auto accident. But most people would like to find ways to obtain the desired coverage for the lowest possible price. We will therefore discuss some ways in which this can be done.

One option is to search through a local directory like the Yellow Pages. Look through the section pertaining to Car insurance. You will find many listings for insurance companies and agents. The agents may either work for one insurance company only or they may represent more than one company.

If you contact an independent agent who represents more than one company, that person can take your information and then present you with quotations from several of the companies that agent represents. This can b...Read More

How to Find Cheap Car Insurance

Posted Wednesday, October 31, 2012

Everyone loves to save money on all kinds of products and services. The same holds true for car insurance. So we will discuss how to find cheap car insurance.

Most car insurance companies and car insurance agents advertise on TV, radio and billboards that they offer the lowest cost or cheapest car insurance. But when it really comes down to it, how can you be sure? Well there are some ways to compares rates and coverage from multiple companies by using a great online service called AutoQuoter.

If you visit the site which offers this capability, you are asked to enter pertinent information to an online form. The information requested normally includes things like contact information, vehicle information, driving history, accident history, location where the vehicle will be used, and other pertinent information as required.

The sy...Read More

How to Shop for Car Insurance – Some Suggestions

Posted Wednesday, October 31, 2012

Most people would like to save money on their car insurance. And just like many other kinds of products or services, one of the best ways to save money is to shop around. So here are some suggestions to help you in this task.

One option is contact insurance agents to receive quotes from the companies they represent. Some agents work for just one company. So in order to check prices, you would have to contact multiple companies or agents.

Other agents may represent more than one company. So they would be able to evaluate your situation and obtain rates and information from one or more of the companies they represent. This certainly has the potential to find a cost effective insurance company for your needs. But contacting an agent and providing the information required for a quotation can be time consuming and a hassle.

A great option wo...Read More

Lowest Price Auto Insurance – A Great Option to Consider

Posted Wednesday, October 31, 2012

Everyone loves to save money. This is certainly true for consumer products like clothing or electronics. But most people would also like to find the lowest price auto insurance and save money on what they would otherwise have to spend for good coverage. There are a number of ways to find good ways to save money. But here is a great option to consider.

The advent of the Internet has opened up a whole new dimension when it comes to evaluating and comparing the price of different products or services. We believe that a system called AutoQuoter offers the consumer the ability to shop for auto insurance very easily and effectively.

When you visit the website which features this system, you would enter required information necessary to obtain an insurance quotation only once. The system would then be able to provide you with quotations for coverage from...Read More

Pros and Cons of Online Auto Insurance Sites

Posted Monday, March 24, 2014

The traditional way of getting auto insurance was to contact an insurance agent who would then take your application and eventually quote you rates for a policy. But with the advent of the Internet, it is now possible to research, shop and evaluate and purchase coverage all from an integrated website. So let’s look at the pros and cons of using such a site.

When you access a site which offers a service like AutoQuoter, you are able to enter required information necessary to receive an auto insurance quotation right from the webpage. The information you enter is used to obtain multiple quotes from different insurance companies almost immediately.

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If you wanted to do the same thing in the more traditional manner, you would have to contact a number of agents individually ...Read More

Renew Your Insurance Policy

Posted Monday, October 15, 2012

You have had insurance for a long time, and you realize that your insurance card that you carry with you is getting rather close to the date indicated as the “expiration date”. Once this day hits, you will no longer be insured and you won’t be able to legally drive. However, it doesn’t have to be this way. If you renew your policy you will still be insured, but this can often be a confusing process.

When Should You Renew Your Policy?

For procrastinators that wait until the last minute, know now that it is a bad idea to renew your policy on the day that it expires. On this day, you won’t be able to legally drive anymore because you won’t have an updated card on you. So what is the solution to fix this problem? It is very simple – renew your policy before it ends so that you can have a c...Read More

Safety Tips For Teenage Drivers

Posted Thursday, October 4, 2012
If your teenager has finally hit that magical age “16”, you are probably going to need some help. As many parents know and dread, this is the time in which they must teach their child how to drive. This can be a very stressful experience and can cause many worries, but with the right safety tips you can help your teenager be a safe driver. This will not only help you while teaching them to drive, but it will protect them once they no longer have your aid.

Don’t Drive While Emotional

This is one of the biggest problems for teenage girls. While emotional, they pay much less attention to the road and everything that is happening around them. This will increase their risk of getting into an accident. If they just broke up with their long-time boyfriend or girlfriend, or even if they just did bad on an assignment and...Read More

Save Money on Car Insurance for Teenage Drivers

Posted Tuesday, March 18, 2014

Most teenagers cannot wait to turn 16 and be qualified to earn their drivers license. For parents it can be a welcome development since the teenage driver can now take over many of the driving tasks necessary in connection with their school or recreational activities. But in general, it can be rather expensive to obtain car insurance coverage for a younger driver. So here are some suggestions to help you to find the most cost effective coverage for your teen.

Almost all car insurance companies offer some type of discount for young drivers who attend and successfully complete a drivers education program. If your child’s school offers such a program or you can find a local driving school which offers an accredited program, it is generally more than worthwhile to take advantage of the savings in rates.

Some insurance companies offer special...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

SR-22 Insurance – What You Need to Know

Posted Thursday, September 8, 2016

SR-22 insurance is a special kind of car insurance coverage which is necessary for certain kinds of drivers under special circumstances. We will review what this coverage is about in more detail and how it can be obtained.

SR-22 insurance is required for drivers who have had problems or circumstances which makes them higher risk than other kinds of drivers. A number of states have established requirements for SR-22 insurance based on a number of factors and circumstances. These can include the following:

Driving without insurance in states which require that all drivers carry a minimum amount of insurance coverage. Illinois is one state which is very strict about this requirement. So if you operate a vehicle in that state and do not have insurance coverage, you may be required to obtain this SR-22 insurance.
Driving while intoxicated or...Read More

Tips to Save Money on Car Insurance

Posted Monday, March 24, 2014

Car insurance is an important way to protect your vehicle and occupants from the risk of an accident. But the cost always seems to be higher than you would otherwise like it to be. But here are some good tips to help you to save money on car insurance.

One suggestion is to do your best to maintain a safe driving record. If you accumulate too many traffic citations or become involved in one or more accidents over a period of time, it can affect the amount your pay for insurance.

Also consider taking a safe driving or defensive driving course. Some companies offer a special discount if you attend and successfully such a class.

If you have other types of insurance like homeowners or renters insurance with the same company you have car insurance, you may be able to take advantage of special bundling discounts. Check with your agent about...Read More

Ways to Compare Car Insurance Rates

Posted Monday, March 24, 2014

There are many factors which can affect the rate that a person pays for car insurance. For many people this can be pretty confusing. But there are some effective ways to compare rates in order to better understand the kind of coverage a person is receiving as well as help to find a cost effective option. Let’s discuss some ways to do so.

One option is to contact an independent car insurance agent and discuss your needs for car insurance. The agent can provide you with rates for certain kinds of car insurance coverage from one or more different car insurance companies. It may be a good way to quickly see which company can provide the kind of coverage you seek and at price.

But for this option, you would need to search for a car insurance agent and then provide them with the required information. You may have to visit with the agent personally ...Read More

What Does Totaling Your Car Mean?

Posted Monday, March 24, 2014

If you or somebody you know has gotten into a serious wreck, you may have heard the term “totaled”. However, just because you heard the term doesn’t mean that you understand it. In fact, most people have to have it explained to them the very first time that they hear it. In order for you to get what a person who is telling you is meaning, you must first do your own little bit of research. That is why you are here.

Meaning

When an accident occurs, there is always damage to any vehicle that is involved. In fact, that is consequence of the incident. While it is unfortunate that you got in a wreck and had your car damaged, you are going to have to pay for repairs if you ever plan on using that car again. This is when it gets a little trickier, as it isn’t always worth getting your car repaired.

If the damages that h...Read More

Traffic Bond Cards

Posted Monday, March 24, 2014

If you need a bond card, AutoQuoter has them. Our bond card prices are among the lowest anywhere.

What is a bond card?

Traffic StopA bond card can be used  instead of your driver’s license if a police officer tickets you and requests that you surrender your drivers license.  This way you are not without your valuable proof of identity which you need for access to office buildings,  travel and when cashing checks and using credit cards.

In Illinois, if you are ticketed for a minor traffic violation, the officer will take your driver’s license as bond to guarantee your appearance in court or payment of your fine. The Traffic Bond Card may be accepted in place of your driver’s license, allowing you to retain possession of your license.

Our ...Read More

Car Insurance In Arizona

Posted Monday, October 15, 2012

If you plan on operating a motor vehicle in the state of Arizona, you will need car insurance. This is required by law so that you aren’t held financially liable if you hit somebody. With this in mind, if you don’t already have car insurance, it is time that you start looking for it. However, there are so many policies out there that it may be difficult to choose which one would be best for you. Not only that, but what companies should you trust?

Search Online

The Internet is a vital tool, and so it should be used. Online you can visit the websites of any car insurance agencies that you are considering. This will allow you to view the benefits that they offer, the locations that they serve, and any possible discounts that you may be able to earn. When figuring out the cost of policies, don’t forget to add in the...Read More

Car Insurance In Illinois

Posted Monday, October 15, 2012

Do you live in Illinois and have a need for car insurance? Finding car insurance that is both affordable and dependable is quite a difficult task, no matter where you live. However, in the state of Illinois, where Honest Abe was born, you should be able to find car insurance that meets your needs. There are certain requirements that you will need to make as well, so let’s start by looking at what the minimum requirements are for your car insurance.

Minimum Requirements

Each state has their own set amounts as to how much you have to be covered in order to have legal car insurance. While many states share the same amounts, a few are different and you will need to check in on that. In the state of Illinois you have to be covered for the typical amount; $20,000 for bodily injuries, and $10,000 to cover property damages that ma...Read More

Car Insurance in Pennsylvania

Posted Monday, October 15, 2012

Pennsylvania is the state of independence, but that doesn’t mean your insurance company can’t protect you like family. Finding the right insurance company in Pennsylvania is important for a variety of reasons, the main one being that you can save money and be legally protected at the same time if you pick the best company. To help you begin, first you must know the minimum requirements that have been set forth by law.

Minimal Requirements

While some states may differ, a majority of them keep the same requirements for their drivers. There is actually a certain amount that you must be covered for in order to legally operate a vehicle, so just any insurance won’t work. You must be covered for at least $20,000 for any bodily injuries that may occur due to the accident. Also, you must have $10,000 worth of insur...Read More

Car Insurance In Texas

Posted Monday, October 15, 2012

Have you ever heard the quote “everything is bigger in Texas”? If you live in Texas, you would have to live underneath a rock to have never heard this stated before. While many aspects of this quote may be true, the amount that you pay for your insurance doesn’t have to be bigger than everywhere else. In fact, you can cheap insurance in Texas if you just know where to begin.

What Is Required In Texas For Car Insurance?

As with every state, Texas requires that you have a certain amount of coverage for your vehicle and person in order to protect your financial liability. This is why you need to find an insurance company that offers a great price, but meets these criteria. In order to have legal car insurance, you must have a minimum of $20,000 of protection for bodily injuries and $10,000 for property damages.

...Read More