More Tips for Getting the Cheapest Auto Insurance Available

In today’s crazy economy, most folks want to save money anyway possible. One good way to save a little extra cash, is to be sure you are getting the best deal possible on car insurance. Here are a few tips on how to save money on car insurance.

1. Be sure you are getting all the discounts possible. Many insurers have a car-safety discount. If your car has air bags, anti lock brakes or car alarms you might qualify for this discount. Also, there are good driver discounts, good student discounts and long-time customer discounts. If you have to carry home owners insurance, it may be a good idea to get your car and home-owner’s policy with the same insurer as well. Many companies offer discounts if you have more than one type of coverage with them. Along this same line, look into multi-car discounts. One other discount you might qualify for is a low-mileage discount. Certain insurers offer discounts to drivers who stay under a certain amount of miles yearly on their cars.

2. It is very important to shop around. Get at least three quotes. There can be quite a difference in price for the same type of coverage from company to company, so it can really pay off to do a little comparison shopping.

3. Understand your credit score affects your insurance rates. Statistics show that drivers with higher credit scores have fewer insurance claims. So raising your credit score can help you get lower insurance rates.

4. Buy a low risk car. Cars that are targeted for theft, are costly to repair and don’t have good safety ratings, will cost more to insure. Before you purchase a new car, compare premiums on different models.

5. Consider your deductible. Your premiums will go down if you have higher deductibles. Be certain, however, you can cover the deductible in case of an accident.

6. Don’t ever let your policies lapse. If you have had lapses in coverage, it will be harder to get insurance and it will be more expensive.

7. Pay for the policy in full. Paying yearly, instead of making monthly installments will save on fees and other billing costs you might be charged for.

8. Review policies regularly. You may be carrying more liability coverage than you need. You might also find that the broken down car in the driveway is still on the policy.

9. Consider installing on-car cameras for teen drivers. These cameras are installed inside the car and give you video on how your teen is driving. You may be able to find a company that will not only offer a discount on this option, but will provide you with the camera. These cameras can not only save you money, but are shown to reduce risky teen driving, they might save you some heartache as well. Another option along this line are global positioning systems, these devices not only track where the teens are driving, but if they are speeding as well.

Discounts for Safety Devices

It is critical that you buy safety devices for your home, car and workplace. How far you are willing to loosen your purse strings will be directly proportional to the quality of safety features that you can provide for your family members and workers. It’s mandatory that you buy quality products from branded companies to counter mishaps. Safety and especially workplace security is a very important thing to consider. Your employees are willing to put their lives at risk to help your business flourish in return for some wages, which they need to look after their family. Therefore, acquiring safety devices is supremely important to keep the workplace environment safe and tension free. This also includes safety outfits that are specially designed to cater to different work environments. The devices that workers in a factory usually need are insulated outfits that can protect them from immense heat, coolants that cool their body, flame-resistant gloves, eye goggles, and other items necessary to adhere to safety conditions. Kevlar produces some of the best quality safety devices and in order to inspire people to buy their products, they have introduced discount coupons for each purchase.

Companies offer special discounts for people who buy from them because that is one of the best advertisement tactics developed by these companies. These safety devices will only increase productivity by enhancing the working ability of your staff. Translated plainly, buying safety devices is an initial investment procedure. The profit and money you are going to reap from their benefits are enormous.

Automobile safety is another crucial area that is sometimes neglected. To make people aware of the critical situation involved in auto burglary, insurance companies always offer innumerable discounts. Discount coupons, however, vary from company to company, but most of them offer discounts for multi-car insurance, discounts for new cars and so on.

Several child safety devices are available for easy purchase over the net. They too, offer discounts because the companies selling them want to increase their sales by helping more people buy them. Nobody is going to take chances with their kid, but discounts always help. If you are taking your child on a vacation, there are safety devices and child gear specifically designed for the purpose. Special needs children need special devices to ensure their safety; this problem is addressed by websites that sell child safety gears. There are countless offers and discounts that you can get for such gear.

Almost all companies, at one point in time, offer discounts to their customers with the aim of improving their sales figures. The Internet is the best means to find discount offers, which will benefit you. This is because you have access to better discounts and better options to choose from while browsing. The only thing you have to make sure of when buying safety gear from the market is that you are not being taken for a ride. Giving discounts is a way of getting faulty products sold and you have to be really careful with the product that you are planning to buy; check for similar products, make a comparative price study and form a conclusion as to why a particular company is offering discounts for an otherwise expensive product. Remember that there are other reasons why a company is offering discounts for safety devices. The safety gear might be something that they have launched recently, so they are just offering these discounts as an introductory offer. On the other hand, the company might be closing up shop forever and they want to finish selling off their products before they do. Depleting sales figures is another reason why companies offer discounts; these promotional offers help to raise their figures. Whatever the reason, it’s advisable not to skimp on security, but attend to the security issue in your company or home, with all the available resources that you have.

Discounts For Low Mileage

People are now starting to save money on car insurance simply by driving less.

Several major insurance companies are beginning to offer discounts for drivers traveling under a certain amount of miles per year. The exact number of miles varies from policy to policy, but on average drivers can save by only logging anywhere from 7,500 miles to 15,000 miles a year.

These rate reductions are relatively new and come at a time when most Americans are already driving less due to a struggling economy, and of course the steady, relentless rise of gas prices.

There is still no exact formula as to how the discounts will be calculated and each company uses their own technique in determining rate reductions. Reductions are usually made on a case by case basis, after the applicant is asked a series of questions about their driving habits.

Esurance is quoted saying, “While Esurance doesn’t specifically offer a low mileage discount, those who rarely drive do generally receive lower auto insurance rates.” Of course there are many factors that will go in to determining just how much drivers can expect to save. Esurance does goes on to state that drivers who spend less time on the road are at less of a risk of damaging their car or someone else’s car.

The low mileage, or “pay-per-mile” programs, will establish reduced premiums for those who are eligible. Most insurance companies offer drivers up to 25% reduction. Average savings are said to be about 10% to 12%. Farmers insurance company give automatic discounts for drivers who do not drive to work. Allstate is offering similar discounts to drivers who say they’ll take the bus.

In an unprecedented new development for insurance/client interconnectedness, Gmac Insurance has teamed with OnStar to begin remotely monitoring their clients driving habits. Drivers who are monitored driving less than 15,000 miles a year can receive an incredible half off on their policy. Other insurance companies can track a drivers mileage by sending out agents to collect certified odometer readings, or by uploading mileage data from the cars on-board computer system.

Certain companies such as Progressive Auto Insurance use their own mileage tracking devices, but these are usually reserved for the pay-per-mile programs, called MyRate, where drivers pay only for the amount of miles they drive. It’s also worthy to note that the implementation of these devices is causing a stir among critics who claim insurance companies are monitoring not only mileage, but also where you drive, how fast you drive, if you slam on your brakes, and what time of day you drive. Some are claiming invasion of privacy. However, Progressive does not hide these facts regarding its monitoring devices, and drivers can choose to not have one installed. Earlier this year Progressive filed suit against insurance company Liberty Mutual for infringement upon a patent regarding its own vehicle monitoring devices. A patent that Progressive claims was given to them in 2000.

For most people who are tight on funds, allowing their insurance companies to monitor their mileage is a small price to pay for reduced rates. Especially those who are already driving fewer miles each year. Not all Insurance companies are offering these discounts, but that is likely to change. Now with most of the top insurance companies embracing these policies it will only be a matter of time before it becomes universally accepted.

These policies are partially an attempt to get people to reduce their fuel consumption, partially an attempt at reducing traffic, and partially an attempt to lure more clients. Lower fuel consumption will mean lower carbon emissions resulting in less of an impact on the environment. In the midst of controversy regarding global warming’s validity, most are deciding to err on the side of caution. If you couple the ethical reasoning with the double savings of not only spending less for fuel but also spending less for auto insurance, this is a deal that some can simply not afford to pass up.

How to shop and save money on your auto insurance bill

Car Insurance is something we all need. There are so many auto insurance company’s that offer a wide array of deals and the discounts are up to you. If you are already insured, one thing not to do is let your policy enter a lapse and the reason being is that you will end paying a lot out of your pocket upon sign up or renewal costing you more in the end. When shopping keep in mind to buy the coverage that you need. Review each coverage offered and decide whether or not this might be something your interested in. You might want to drop collision coverage if it is something you feel you can repair the damage’s yourself on or replace the vehicle since collision coverage is expensive. Do not insure the vehicles you do not intend to drive. If a vehicle is junk, some states require it to be insured regardless.

You can register the vehicle as “inoperable” to avoid any penalties. Look forward to taking a driver’s course and the reason being is that your insurance premiums will become a little lower showing that you are a responsible driver and are educated of the road law’s. Apart from that for a self benefit you will become a more careful and a safer driver, It’s a win. Avoid auto accidents at all cost’s as well as ticket’s. Ticket’s and car accident’s can increase your premium that will usually run its toll for 3-5 years. If your record is clean do ask your agent if you might qualify for an accident free discount. Having an anti theft device on your car can greatly reduce your bill depending on the category of the unit. Look into purchasing a longer policy. Some Auto Insurance company’s might penalize you for having a short term policy and charge you more in comparison to a person with a 1 year policy. Make sure to have your insurance payment’s made in full and some company’s offer discounts via automatic withdrawal so you can end up saving their monthly, add it up yearly, and it’s quite a bit!

Take care of your credit score, you can weed yourself out of the group that is targeted for higher car insurance rates by doing so. Car Insurance company’s look at credit scores to determine what kind of driver you might be. If it is poor they figure you will be more prone to accident’s and ticket’s also, Having a good credit score shows you can be responsible and will not end up having any accident’s. When shopping around for a new car, please remember that certain color’s and styles make an impact in addition on your auto policy quote. Red sports car makes the list because they are perceived as young racer’s who might not obey the law of the road to the fullest as well as a target for theft. Auto Insurance’s take some patience when you’re on the market to buy, remember to take your time.

How VIN Etching Saves 2% – 15% on Your Car Insurance Premium

How does VIN Etching help Lower Car Insurance Premiums?

Car insurance, as most folks realize, is mandatory in most states. Auto insurance agencies offer discounts to consumers for a number of reasons, and one discount people get now concerns etching the VIN into their automobile. Below, we will describe how the VIN process works and how it relates to auto insurance and lower premiums.

What is VIN Glass Etching

Glass Etching (placing the VIN on all windows) is an everlasting carving of a car’s nationally recorded VIN (Vehicle Identification Number), which is generally located on the driver’s side windshield, near the bottom. Some auto manufacturers place the VIN inside the driver’s door as well and in other areas within a car.

Nowadays, many car owners use VIN Etching as a theft prevention measure and it helps lower car insurance premiums. It makes it practically difficult for a thief to make money by selling any of the stolen automobile’s parts, especially the windshield and windows; however, it additionally makes it tougher for a thief to discard a motor vehicle after stealing one.

Subsequently, glass etching comes highly recommended by law enforcement officers and insurance companies, as an added measure of vehicle theft defense.

The procedure to have your automobile VIN Etched is quite easy and the entire process, completed within a matter of moments. Classically, the etching procedure comprises a template of your car’s VIN, and then a specific kind of paste, used with VIN Etching, is used to etch the Vehicle Identification Number into each window of the automobile.

Defense from Car Theft and Car Insurance

When an individual gets auto coverage, they may want to consider other aspects of owning and protecting their property as well as obtaining coverage.

A motor vehicle thief generally has a couple of motives for taking an automobile, the market value of the car, or the intention of selling any valuable auto parts on it.

If an automobile has been VIN Etched, a thief would have to swap out all of the windows with etching on them in order to sell any parts or to get rid of the stolen car. This process can end up costing a thief a lot of money, and it can take a lot of time to swap over all the etched pieces of glass.

Should the crook attempt to sell or dispose of any of the car’s parts and make money, because the windshield and windows are etched with the car owner’s VIN, the chances of getting caught are even greater. Thus, the decreased yield and the elevated peril connected with taking an auto that has VIN Etching performed makes it even less desirable to a thief.

In short, VIN etching is a vehicle theft deterrent.

How VIN Etching Affects Your Car Insurance

Insurance companies offer various discounts, and one such lesser known discount is if you have your vehicle glass etched. This is due to the fact that it is a lower risk for them, as VIN etched cars simply are not stolen as often as non-etched vehicles.

Where can Consumers have VIN Etching Performed?

Consumers may ask auto dealers to perform this process or they may buy kits to do it at home. Anti-theft glass etching kits are obtainable at most car parts retailers, and they usually cost around $15 – $30. Some people save between 3% -15% on premiums, just with having a vehicle VIN-Etched. So, if you plan to keep your vehicle for at least a year, you are likely to benefit from this anti-theft device.

The safer an automobile is and the safer a driver is means paying lower premiums for car insurance, and the safer your car.

Lowering Your Monthly Insurance Payments

Trying to find unique ways of cutting back on spending each month is an overwhelming task but, there are simple ways of cutting back, one of which is when you learn how to save money on car insurance. The first step is to completely read through the current car insurance policy to determine what coverage you currently have.

There are several variables that will increase the rates of the policy, but in many situations things have changed considerably since the policy was first taken out. Insurance companies are always in competition to get new clients and will often times offer discounts for a variety of policy holders.

Before beginning the process of finding a reduced policy it is necessary to have all the information written down for comparisons. Know what the current deductibles are, if you have full coverage or liability, the mileage on the car you are seeking a policy for, drivers license number and the make/model of the vehicle.

The deductibles will vary considerably and will make a large difference in the amount of the policy payment each month. The higher the deductible the less the monthly payment will be. If you can afford to pay a large deductible should an accident occur, you could change the amount of the current deductible to a higher amount which will lower the payment.

If you are happy with the current insurance company and do not want to change companies, call them and request a new proposal. Let them know the mileage has increased on the vehicle, if it has been paid off, your age and ask if there are discounts for having all items insured through them including house, car and recreational vehicles.

There are discounts available for people with good driving records, no accidents, over a certain age and for vehicles that have been paid off. Review the current policy to see if any of these can be altered on the policy and speak to the agent who gave you the original policy.

If you would consider changing insurance companies, do an online search for insurance quotes. There will be numerous companies appear in the search so choose at least three for comparison purposes. Enter the information required to each company and there will be an instant response sent to your email.

Write down the amount of each company, the deductible amount they require, the payment amount, the total amount of coverage they will provide and the company name. After getting a response from all companies you inquired to, compare the results and determine which will be the most beneficial to you.

It is recommended that you do a search at least once per year to determine if policy payment amounts can be lowered. For example if you were 49 at the time of policy issuance, the policy could be lowered at age 50. Another reason many insurance policies decrease is when children are no longer driving the family vehicle or if a student is on the policy and they have good grades, many companies will offer discounts for this as well. How to save money on car insurance is a simply matter of reviewing the current policy often. Things change continuously which may reduce current payments.

How VIN Etching Saves 2% – 15% on Your Car Insurance Premium

How does VIN Etching help Lower Car Insurance Premiums?

Car insurance, as most folks realize, is mandatory in most states. Auto insurance agencies offer discounts to consumers for a number of reasons, and one discount people get now concerns etching the VIN into their automobile. Below, we will describe how the VIN process works and how it relates to auto insurance and lower premiums.

What is VIN Glass Etching

Glass Etching (placing the VIN on all windows) is an everlasting carving of a car’s nationally recorded VIN (Vehicle Identification Number), which is generally located on the driver’s side windshield, near the bottom. Some auto manufacturers place the VIN inside the driver’s door as well and in other areas within a car.

Nowadays, many car owners use VIN Etching as a theft prevention measure and it helps lower car insurance premiums. It makes it practically difficult for a thief to make money by selling any of the stolen automobile’s parts, especially the windshield and windows; however, it additionally makes it tougher for a thief to discard a motor vehicle after stealing one.

Subsequently, glass etching comes highly recommended by law enforcement officers and insurance companies, as an added measure of vehicle theft defense.

The procedure to have your automobile VIN Etched is quite easy and the entire process, completed within a matter of moments. Classically, the etching procedure comprises a template of your car’s VIN, and then a specific kind of paste, used with VIN Etching, is used to etch the Vehicle Identification Number into each window of the automobile.

Defense from Car Theft and Car Insurance

When an individual gets auto coverage, they may want to consider other aspects of owning and protecting their property as well as obtaining coverage.

A motor vehicle thief generally has a couple of motives for taking an automobile, the market value of the car, or the intention of selling any valuable auto parts on it.

If an automobile has been VIN Etched, a thief would have to swap out all of the windows with etching on them in order to sell any parts or to get rid of the stolen car. This process can end up costing a thief a lot of money, and it can take a lot of time to swap over all the etched pieces of glass.

Should the crook attempt to sell or dispose of any of the car’s parts and make money, because the windshield and windows are etched with the car owner’s VIN, the chances of getting caught are even greater. Thus, the decreased yield and the elevated peril connected with taking an auto that has VIN Etching performed makes it even less desirable to a thief.

In short, VIN etching is a vehicle theft deterrent.

How VIN Etching Affects Your Car Insurance

Insurance companies offer various discounts, and one such lesser known discount is if you have your vehicle glass etched. This is due to the fact that it is a lower risk for them, as VIN etched cars simply are not stolen as often as non-etched vehicles.

Where can Consumers have VIN Etching Performed?

Consumers may ask auto dealers to perform this process or they may buy kits to do it at home. Anti-theft glass etching kits are obtainable at most car parts retailers, and they usually cost around $15 – $30. Some people save between 3% -15% on premiums, just with having a vehicle VIN-Etched. So, if you plan to keep your vehicle for at least a year, you are likely to benefit from this anti-theft device.

The safer an automobile is and the safer a driver is means paying lower premiums for car insurance, and the safer your car.

How to shop and save money on your auto insurance bill

Car Insurance is something we all need. There are so many auto insurance company’s that offer a wide array of deals and the discounts are up to you. If you are already insured, one thing not to do is let your policy enter a lapse and the reason being is that you will end paying a lot out of your pocket upon sign up or renewal costing you more in the end. When shopping keep in mind to buy the coverage that you need. Review each coverage offered and decide whether or not this might be something your interested in. You might want to drop collision coverage if it is something you feel you can repair the damage’s yourself on or replace the vehicle since collision coverage is expensive. Do not insure the vehicles you do not intend to drive. If a vehicle is junk, some states require it to be insured regardless.

You can register the vehicle as “inoperable” to avoid any penalties. Look forward to taking a driver’s course and the reason being is that your insurance premiums will become a little lower showing that you are a responsible driver and are educated of the road law’s. Apart from that for a self benefit you will become a more careful and a safer driver, It’s a win. Avoid auto accidents at all cost’s as well as ticket’s. Ticket’s and car accident’s can increase your premium that will usually run its toll for 3-5 years. If your record is clean do ask your agent if you might qualify for an accident free discount. Having an anti theft device on your car can greatly reduce your bill depending on the category of the unit. Look into purchasing a longer policy. Some Auto Insurance company’s might penalize you for having a short term policy and charge you more in comparison to a person with a 1 year policy. Make sure to have your insurance payment’s made in full and some company’s offer discounts via automatic withdrawal so you can end up saving their monthly, add it up yearly, and it’s quite a bit!

Take care of your credit score, you can weed yourself out of the group that is targeted for higher car insurance rates by doing so. Car Insurance company’s look at credit scores to determine what kind of driver you might be. If it is poor they figure you will be more prone to accident’s and ticket’s also, Having a good credit score shows you can be responsible and will not end up having any accident’s. When shopping around for a new car, please remember that certain color’s and styles make an impact in addition on your auto policy quote. Red sports car makes the list because they are perceived as young racer’s who might not obey the law of the road to the fullest as well as a target for theft. Auto Insurance’s take some patience when you’re on the market to buy, remember to take your time.

Insurance news

Number of Accidents 23% Greater Than Daily Average

LOS ANGELES, Dec. 6, 2010 /PRNewswire/ — More Californians crash their cars on December 15 than any other day of the year, according to an Allstate Insurance Company review of its California auto insurance claims over the past four years. The number of accident claims on December 15 jumps 23 percent compared to the daily average during the rest of the year.

“This spike in crashes could be related to weather, holiday shopping, travel or other distractions,” says Robert Feldman, Allstate agency owner in metro Los Angeles. “What’s important for drivers is that we stay focused while at the wheel whether on the highway or in the driveway—on December 15 and every day of the year.”

Crunching the numbers on its California car accident claims, Allstate found that the daily average number involving its policyholders during the past four years is 435. On December 15 that number jumps to 539. The fourth worst day of the year is just three days later. On December 18 the average number of claims is 523.

According to Allstate, the top five days for collision claims in California are:

Three Tips to Keep Clear of Crashes

Allstate is asking California drivers to use December 15 as an opportunity to consider three simple safe driving tips.

Eliminate Distractions

Cell phones, channel-changing and shifting packages are all common distractions that can take our minds off our driving. Turn off the phone, place packages in the trunk and make your listening choice before putting the car in gear.

Drive According to Conditions

Rain, snow, high winds, even bright sunshine can all affect driving. Allow space between you and the nearest vehicle, slow down in congested areas and understand that another driver may be distracted—so drive defensively.

Don’t Drink and Drive

Holiday cheer has no place behind the wheel. The National Highway Traffic Safety Administration reminds drivers to keep the party off the road. Plan ahead and designate a sober driver, call a cab or use public transportation if you’ve been drinking alcohol.

About Allstate

To collect the data, Allstate looked at its California auto insurance accident claims from 2006 through 2009 to determine daily claim counts and the average number of claims for each day. The company, the country’s second largest auto insurance provider, used the data to reveal days when automobile insurance accident claims are most prevalent.

The Allstate Corporation (NYSE: ALL) is the nation’s largest publicly held personal lines insurer. Widely known through the “You’re In Good Hands With Allstate®” slogan, Allstate is reinventing protection and retirement to help more than 17 million households insure what they have today and better prepare for tomorrow. Consumers access Allstate insurance products and services through Allstate agencies, independent agencies, and Allstate exclusive financial representatives in the U.S. and Canada, as well as via www.allstate.com and 1-800 Allstate®.

SOURCE Allstate Insurance Company