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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.

Free Quote Farmers Car Insurance - Turn 21 today!


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Farmers Car Insurance News

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A Primer on Student Car Insurance Discounts
A good student discount can help lower your insurance premium and give college kids and teens an incentive to hit the books.

Finding the Best Car Insurance for Teens
Finding the Best Car Insurance for Teens

Buying the Right Auto Insurance for Your Teen Driver
Here's how to save money without sacrificing coverage when you add a teen driver to your insurance policy.

USDA launches new dairy insurance program
Dairy farmers squeezed in recent years by low milk prices and high feed costs can begin signing up next week for a new program replacing old subsidies that didn't factor in the price of corn. Signups for ...

Kasey Kahne wins in wild finish at Atlanta after Tony Stewart struggles
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USDA launches dairy insurance program, replacing old subsidies eliminated by farm bill
MILWAUKEE - Dairy farmers squeezed in recent years by low milk prices and high feed costs can begin signing up next week for a new program replacing old subsidies that didn't factor in the price of corn....

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USDA launches new dairy insurance program - Quincy Herald-Whig | Illinois & Missouri News, Sports
MILWAUKEE (AP) - Dairy farmers squeezed in recent years by low milk prices and high feed costs can begin signing up next week for a new program replacing old subsidies that didn't factor in the price of corn.

800+ Global Insurance Telematics Leaders Unite in Chicago Today to Rewrite the UBI Rule Book as Insurers Re-brand to ...
Telematics Update: Today, 800+ automakers, insurers, auto agents and telematics execs including Allstate, Progressive, Liberty Mutual, Farmers Insurance and Ford have united at Insurance Telematics USA 2014 to discuss how to position UBI as a mainstream product by delivering undisputable value to consumers. (PRWeb September 03, 2014) Read the full story at http://www.prweb.com/releases/2014/09 ...

NASCAR Adds New Rule on Exiting Cars After Accidents
BROOKLYN, Mich. ? NASCAR has added a new rule telling drivers to not approach the track or moving vehicles after accidents. The rule comes less than a week after a driver was struck and killed during a dirt-track race at a small New York track. See also: Tony Stewart Skips Another NASCAR Race ? Will He Drive Again? NASCAR star Tony Stewart is skipping this weekend's Sprint Cup race at Michigan ...


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