How to Get Lower Rates on Auto Insurance Policy

You need to buy auto insurance as soon as you buy a new car or want to switch to new insurer, but getting cheap insurance rates are not easy all the time. Many people are currently paying higher premiums because of lack of knowledge about hoe to reduce rates.

There is no certainty that your insurer provides the best rates, because rates can be varied insurer to insurer. This post shows few ideas and following these you must lower your premiums.

The main approach to getting cheaper insurance quotes is asking about discount. Many companies offer discount on insurance policy based on several conditions like young drivers with scores, drivers who have completed driving safety courses, or good driving records.

Many companies have started to offer discount on how many miles the drivers drive each day. This idea is called pay as you go. To get this discount driver must report driving speed, number of hard stops and miles per day. Some drivers who are willing to get this discount can allow the insurer to track the performance. Insurers have premium discount to such drivers who allow tracking the performance of their vehicles.

Car insurance rates partly depend on the vehicle you drive. The vehicles which have high risk of crash are usually having higher rates, so be sure to check the crash test rating before you are going to buy any vehicle. To check auto crash rating you can visit The Insurance Institute for Highway Safety and buy low crash rating vehicles.  Your family will be in safer vehicle and also you will get lower rates.

Having safety devices in your vehicle is another factor to get lower rates. At first ask your agent that on which safety devices the companies will provide discount or lower you premiums then buy these devices and install them before applying for insurance quotes.

The smart drivers try to insure other assets under same company and because of this trick the company offers a significant amount of discount and lower policy rates. You can save 10% - 15% on total insurance cost if you consider insuring vehicles and home with same company.

Auto insurance companies advertise bundle of discount and you will be easily confused because everyone is attractive, if you apply these tips you will lower your rates but keep in mind that lowering rates is not enough and can be disastrous if you have to bear the expenses out of your pocket because of limiting the coverage and getting high discount. So consider every aspect carefully while trying to lower insurance rates.  

Read More

How to buy Cheap car insurance in USA

First of all car insurance is necessary after buying a new car. when you buy a new car then you should find out about the car insurance. so its tricky part to search out cheap car insurance for your brand new car.

Many car insurance companies offer discounted policy, but getting cheaper insurance policy doesn't mean you get the best car insurance policy. Don’t buy at the first shot, read carefully the total policy conditions; what the policy covers and what the privileges are and compare your policy with other discounted car insurance policy from different companies.

The car owners who are above 50 years old can be the member of the American Association of Retired People (AARP) and the member has to pay only $12.50 a year who is USA citizens. It seems AARP offers heavily discounted car insurance and older people can easily get free online cheap car insurance quotes.

Car insurance premiums won’t lower or discounted for teenage drivers who don’t have driving record. In some cases insurance companies have cheap car insurance for young drivers. Young drivers who pass the recognized driving test can get cheap car insurance or car insurance companies discount for them. Car insurance companies provide car insurance cheap for the good and skilled drivers.

If car drivers have well driving records without any incident it’s for sure that they are going to get car insurance. But being with the same car insurance company again doesn’t mean car owners will get cheapest car insurance, so check what is the policy your current insurance company offers for renew and what is the policy offering from other companies. Compare as many insurance quotes from different policy and sort out which policy has more discount and cheap then other for you as good driver.

Experiencing having car insurance policy car owners may have edit few coverage, so they should check what coverage they need and what coverage are extra while getting renewed the policy. This simple routine check may reduce the insurance premium and if lucky, they can get cheaper car insurance policy then existing one.

If drivers are women, many car insurance companies have special offer for them such as discount or cheaper. When woman driver is going to buy car insurance online, she should first ask free quotes providing detail information and after getting various insurance rates, she can again provide her basic information such as good driving history, driving license and certificate of immediate taking driving test and describe her present situation with the coverage she need. This process may be providing cheap car insurance.

What car drivers don’t know is that buying car insurance often saves their money if they can go the right way. So follow these tips and you can get some idea how to buy cheap car insurance.

Read More

Not So Fast or Furious: America’s Most Popular Car to Steal

America loves its cars. Glamorous sports cars cruise across movie screens, stolen by villains and desperate heroes alike. Movies such as Gone in 60 Seconds or the Fast and Furious series make car theft seem cool, complicated, and interesting. The real-life world of vehicle theft is not so glamorous. You likely will be surprised by America’s most popularly stolen vehicle model (hint- it is nowhere near as beautiful as a BMW or a Mercedes).

The truth is, most vehicles stolen are not taken for their overall value as a whole; instead, they’re broken down for parts. This ensures that the more generic or standard sedans (the Hondas, Toyotas, and Fords) are the most popular with car thieves because their parts don’t change much from year to year. It is also easier to fly under the radar in a stolen Honda than in, for example, a stolen Mercedes or another luxury car.

The National Insurance Crime Bureau has identified the current most popular model with car thieves in the U.S. as – drumroll, please – the 1994 Honda Accord. The ’94 Accord’s current trade-in value is $975: Its original price in 1994 was $15,430, and the new car value in 2011 is $20,200. What makes this the ideal candidate for theft is that its parts are quite generic; a part from a 1994 Accord could be used for an Accord from 1995, 1996, and so on.

How car insurance fits into the equation

Theft can be covered under your auto insurance if you’ve opted for comprehensive coverage. Unfortunately, owners of these older, more generic models commonly don’t wish to pay for comprehensive auto insurance coverage to cover them, primarily because their deductible could be close to the value of the vehicle.

Without comprehensive coverage, these vehicle owners could run into further problems if their car is stolen, including not qualifying for rental car replacement while they are looking for a new car.

As if adding insult to injury, car thieves’ way of doing things ensures that they won’t encounter problems any time soon. This specific form of car thievery is virtually “recession-proof.” A recession forces more people to make the decision to repair their old cars rather than buy new ones, creating a greater need for parts, which thieves are all too happy to provide.

Know what’s in your policy

No matter what model vehicle you have, you should know what’s included in your auto insurance coverage and take proper precautions to secure your car. The best way to keep your car safe is to stay informed.

One myth, as the Insurance Information Institute (III) warns us, is that most thefts occur in unprotected areas such as open parking lots, alleyways, or on the street.  In fact, more than a third of vehicle thefts occur at a home or residence.  Only about 2 of every 10 car thefts occur at a parking lot or deck, and even fewer are taken off the street, according to the FBI.

If someone steals your vehicle, inform the police immediately. Finding stolen vehicles is an extremely time-sensitive process during which the first few days are critical. In the meantime keep your car safe, locked, and covered by auto insurance.

Read More

How to Sell Your Car On Your Own

Selling your car privately can be scary. You’ve heard all the horror stories: creeps coming to your house, scammers offering bad checks, test drives that turn into joy rides – or worse, stolen vehicles. The truth is that all those scenarios and others can happen.

If you think about it, the process can be just as scary for the buyer. He or she has heard horror stories from the other end: Going to creepy houses to check out the vehicle, making deals with “owners” who don’t have title to a vehicle, and cars that just plain don’t work once you’ve taken possession.

But with a few precautions, and the proper preparations, you can get a deal that satisfies you and the buyer. And isn’t that what you really want?

Here are some things you can do to make the process safer and smoother:

Be prepared to spend a little

Take your car to a mechanic and get it fully checked out. This will cost you $75 to $100, but it can really help when you’re showing the vehicle to prospective buyers. You’ll also want to spend $35 or so for a CarFax report. The buyer’s probably going to want one, so you’d better know what’s on it and have any mistakes corrected ahead of time.

Do some research on the price

Study the sales prices and established values of vehicles similar to yours. The Kelly Blue Book is a good place to start, and cars.com and AutoTrader.com also can help you see some current pricing. Set a minimum price – you don’t have to advertise it. Understand the seasonal nature of some potential transactions – a convertible will sell better in the summer than winter, for example.

Put the best face on your car
You’ve heard of making sure houses for sale have curb appeal; you should do the same for your car. If possible, spend the $100 or so it will take to have it professionally detailed. If you can’t afford that, then do the work yourself and thoroughly wash, vacuum, dust and wax the vehicle. Empty everything out of it except the owner’s manual and registration. This is a good time to top off oil, windshield, brake, and other fluids as well.

You’re doing two things – making your car as attractive as possible and establishing the notion that it has been well-maintained.

Get it out there

Now that you’ve dressed it up, you’ll need to attract suitors for the car. Take photos – lots of them, and post them and some basic information on social media. Decide what websites you want to advertise on – Craigslist, cars.com, AutoTrader.com are among the places you can select. Take some time to write a good description – you don’t want to sound too desperate.

Meeting prospective buyers

When the suitors start calling, insist on meeting them in a public location. You don’t necessarily want them coming to your home.

The buyer likely will want to take a test drive. There’s nothing wrong with that, but you’ll want to take some precautions:

• Demand to see the prospective buyer’s driver license, and write down the number.
• Insist on going along on the test drive.
• Keep the drive relatively short, and be sure to point out positive features of your vehicle as you’re riding along.
• The prospective buyer likely will want his own mechanic to check out the vehicle. Show him the report you have from your mechanic – that may satisfy him. If he still wants his mechanic to give the car the once-over, that’s fine. Tell him you’ll drive the vehicle there and meet him. Be prepared to use the report from your mechanic to rebut any problems.

Making the sale

If you’ve made it this far, the potential buyer is definitely interested. Don’t talk price until you hit this point. Make your offer, then negotiate. Include any legitimate adjustments you want to make as a result of the inspections by the mechanic, but keep that minimum price in mind.

Once you agree on a price, close the deal. The best thing is to get cash; if not, get a cashier’s check and clear it at the bank. Secure the entire purchase price before you sign the title over. Get an As/Is bill of sale off the Internet and save a signed copy – this will protect you in case the buyer comes back with claims that you promised to fix something.

Don’t expect a sale from the first customer. Don’t expect one the first week. That means you’ll have to work at keeping the car clean at all times. You never know when the right buyer will surface.

But if you take the proper precautions, you can make selling your car a profitable, safe experience for you and your customer. Good luck.

Read More

Best Car Insurance Companies In USA

There is our list of car insurance companies in the USA. To find the best cheap car insurance, drivers have to shop around and compare car insurance quotes collected from different auto insurance companies.

Why Car Drivers Need The List Of Auto Insurance Companies
To check what auto insurance companies are available in their state, car drivers need to visit the websites or local offices of these insurance companies. Because drivers may find the selected car insurance companies is out of service or have no business in their states.

This list contains the top ten best auto insurance companies based on affordability, value of services, and responsiveness. Because, after all, what good is having a rock bottom rate if you don't get enough in return or can't get the help you need when you need it.

List Of Car Insurance Companies In USA, Top Auto Insurance Companies in USA, Car Insurance Companies

  1. Progressive

Progressive auto insurance is one of the popular car insurance company in USA. People use to refer Pregressive because you can save money in various ways and they reward their loyal and potential customers. Their payment is flexible and the customers can choose and change the due date anytime.

  2. Liberty Mutual

Liberty Mutual auto insurance helps the drivers get back to road as soon as possible after the incident and has variety ranges of discount based on seniority, teen drivers and good driving records. Their coverage protect you in every aspect and ensure the safety.

  3. GEICO

  4. Allstate

  5. Nationwide

  6. Esurance.com

  7. 21st Century

  8. Mercury

  9. Farmers

10. USAA

11. AmericanFamily

12. AmericanNational

13. Amica

14. AAA – American Automobile Association

15. Auto-Owners

16. Travelers

17. State Farm

18. The General – Auto Insurance

19. MetLife

20. Safe Auto Insurance

21. Conseco

22. Direct General

23. Eastwood

24. Encompass

25. Erie

26. Allianz

27. GMAC

28. Hanover

29. Hartford

30. Safeco

31. Sentry

32. Western Auto Insurance

Among these auto insurance companies there are the best five car insurance companies in USA. If you really want to buy the cheap car insurance and want to find which is the top rated car insurance company, search and go to these website and compare the insurance rates.

Read More

Top 5 insurance companies in USA

There are almost lots of auto insurance companies in USA, but among them there are best 5 auto insurance companies  in USA; GEICO, Progressive, Nationwide, Allstate and Infinity. These five companies cover approximate 70% market share of USA and still remain the top auto insurance companies for all kinds of USA drivers for their distinguishing characteristics. Those 5 auto insurance companies provide every coverage needed by the drivers and each of them offer cheap car insurance and they prepare insurance package for specific clients.

After reading this post you will get the idea about the top auto insurance companies and then you will need to know how to buy cheap car insurance. 

GEICO Auto Insurance – The Best Auto Insurance Company in USA
Among the five auto insurance companies, GEICO auto insurance company is famous for its lifetime alliance with the US army and old hand group of people. GEICO offer huge facilities such as scholarships, assistance programs and donations to the retired from military and who are still in military. It also has special facilities such as cheap car insurance, low cost auto insurance and affordable car insurance for veterans and their families. The great feature of GEICO is it offers low cost car insurance that car drivers can save half of insurance premiums. They assist car drivers every 24/7 when and wherever the drivers have problems.

Progressive Auto Insurance – The Second Best Auto Insurance Companies
Progressive auto insurance is well-known for discount auto insurance because it offers a wide range of discount policies for home owners, multiple car insurance, students, mileage and online shoppers. Progressive auto insurance changes car insurance policy so that car drivers can get discount on their insurance policy easily. Another feature of Progressive auto insurance is that it can also save drivers money like drivers will save $50 immediately when they sign their first insurance documents online and has a provision for who have long term insurance. Discounts can be varied by state to state.

Nationwide Car Insurance
Nationwide offers a variety of insurance policies and claims 95% customer satisfaction. The distinguishing feature of Nationwide is that they have an auto repair network and if any driver wants to get normal life fast, they can repair their car from Nationwide repair network and can claim immediately after accidents. Nationwide also offers discounts for who purchase multiple policies, students and firms and has an excellent program of rewards to the safe drivers.

Allstate Auto Insurance
Allstate designs their insurance policies especially for teenagers and takes promise from the teen while providing low cost insurance policies. They motivate young and teen drivers by offering cheap car insurance and discount policy. They also reward teen drivers if drivers drive safe.

Infinity Auto Insurance
In Infinity car drivers can choose their own insurance agent which may reduce the stress that the same agent always collects information, communicates with you, and the best advantage is you will get your insurance agent as soon as possible when you need. Infinity also offers discounts to good drivers, students, and to any customers who pay in full.

These best five auto insurance companies are available in the US insurance market and try to serve their customers as best they can. You can get cheap and low cost car insurance from them and can compare cheap auto insurance online. They all offer car insurance quotes within few minutes.

Read More