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Tips For Lowering Your Auto Insurance Quote

By Terje Ellingsen

Do you have many claims? If so, you should do all you can to reduce them or even endeavor to file no claims at all. Why do I bring this issue up in an article about lowering your auto insurance quote? Because the number of claims is the single factor that to the highest degree influences the cost of your insurance premium. Let me give you an example: Let's say you have 5 years of no claim. Most companies will then give you an unbelievable discount of your premium, some of them even 75%! It goes without saying that this is the most powerful way to get cheap insurance.

How can an insurance company do this? Look at an insurance company as a big box of money dropped in by people who gets security in return. What the company does is simply to reallocate the money that is left when the payments for damages are deducted.

People that have many damages and file many claims, must pay a higher premium and thus get a higher car insurance quote.But a safe driver that avoid claims, is rewarded with a lower one. Fair enough?

If you are new to insurance - or even if you have had insurrances for some years, but feel you lack knowledge about it. - I'll advice you to learn the basic auto insurance terminology, before you start to shop around. It can help you, not only to get a low cost insurance but also to make the correct coverage decisions for you. Let's do a little test: Do you need PIP coverage? What does PD coverage mean? What is BI coverage?

Do not accept the first quote you get

If you ask an insurance company for a quote, you can be almost hundred percent sure you'll get a better one from at least one other company. Comprehensive marketing research the recent years has shown that prices for a new six-month policy with comparable coverage can vary greatly between different companies. And we are talking about spreads in rates of at least $500

So, equipped with this knowledge both you and I know that it pays to do a little legwork and shop around for car insurance.

Most insurance companies have a form of questions you must provide answers to in order to get an understanding of your security situation. It is really astonshing, how much the criterias for determining the price can vary between companies. What one company may consider a high risk factor another company may view as a minor risk. So why not take a little time to compare rates for a number of different companies?

The first thing you should do before you start this comparison is to go through your insurance coverages and keep your auto insurance policy on hand. Then go online and start to shop around. The internet is probably the most comprehensive, fastest and easiest way to find a decent vehicle insurance quote.

And what's even more incredible, many insurance companies now offer some great discounts for buying the policy over the web - a discount that come in addition to the no-claim discount described above.

How is this possible? To handle an insurance sale in general cost money for the companies. However, a sale on the internet will cost less money than selling it over the counter. They do not have to involve human resources if you purchase it online. Thus the companies save money on your internet purchase, and a part of this saving is passed on to you as a discount, a significant discount if you buy from the right company.

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Not Caring About Personal Privacy Might Lead to Auto Insurance Discounts, Says 4AutoInsuranceQuote
The Website Just Posted a New Article that Explains How People who are Not Concerned with this Issue Might Get Better Auto Insurance Rates New York, NY / ACCESSWIRE / September 12, 2014 / 4AutoInsuranceQuote.com, ...

Auto Insurance Quotes For High Risk Drivers Now Available At Insurance Panda
The Article Helps High Risk Drivers Understand How Insurance Companies Decide how to Insure Vehicles and the Best Way to Obtain Auto Coverage New York, NY / ACCESSWIRE / September 3, 2014 / InsurancePanda.com, ...

Rental Car Insurance for 50 States Now Quoted for Motorists Online
Rental car insurance is now viewable for affordable rates in all 50 states at the Quotes Pros website through the public system at http://quotespros.com/auto-insurance.html . (PRWeb August 28, 2014) Read the full story at http://www.prweb.com/releases/rental-car-insurance/car-insurance-quotes/prweb12130720.htm

Full Coverage Car Insurance by State Agencies Now Quoted for American Motorists Online
Full coverage car insurance is now included from state agencies in the database at the Quotes Pros website. Instant quotes are available at http://quotespros.com/auto-insurance.html . (PRWeb August 23, 2014) Read the full story at http://www.prweb.com/releases/full-coverage-car/insurance-quotes-rates-us/prweb12117060.htm

Global Car Rental Market Research Report 2014 Edition
MarketResearchReports.Biz include new market research report "Global Car Rental Market 2014: Industry Analysis, Size, Share, Growth, Trends And Forecast" to its huge collection of research reports. View Full Report at http://www.marketresearchreports.biz/analysis/220733 (PRWeb September 03, 2014) Read the full story at http://www.prweb.com/releases/2014/09/prweb12136773.htm

CHROMEŽ Renamed American National Collector Car Insurance
Car buffs offered numerous benefits with coverage especially tailored for collector vehicles. (PRWeb August 24, 2014) Read the full story at http://www.prweb.com/releases/2014/08/prweb12115248.htm

Terrorism and Insurance: 13 Years After 9/11 The Threat Of Terrorist Attack Remains Real
NEW YORK, Sept. 9, 2014 /PRNewswire-USNewswire/ -- The year-end expiration of the federal Terrorism Risk Insurance Program Reauthorization Act (TRIPRA), and its uncertain future, is creating capacity and pricing issues for terrorism insurance buyers, according to the Insurance Information Institute (I.I.I.). ...

It's All About The Numbers: Why Credit Is Important--to Your Insurance, And Your Life
NEW YORK, Aug. 21, 2014 /PRNewswire-USNewswire/ -- Having good credit can help you in a surprising number of ways. A good credit history can result in getting that dream job, lower interest rates on car loans and mortgages, and better rates on your insurance, according to the Insurance...

Auto Insurance Companies Prices for 2014 Now Searchable by Motorists Online
Auto insurance companies prices are now available to explore using only zip codes for 2014 at the Quotes Pros website at http://quotespros.com/auto-insurance.html . (PRWeb August 25, 2014) Read the full story at http://www.prweb.com/releases/auto-insurance-companies/car-insurance-prices/prweb12120437.htm

NY Fed: Fears of subprime auto bubble overblown
Fed economist say subprime auto lending remains lower than before the recession.


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