Cheapest Auto Insurance Quote Online
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Reader’s Question:
I want to buy a 2007 model Nissan Altima from my friend. I want to insure it once our deal is closed. Could you please give me some tips on how could I get cheapest auto insurance online and what are the minimum requirements?
Debbie
Anaheim, CA
Nowadays, it is easy to shop for car insurance quote on the internet since a lot of insurance companies have websites. For you to get the cheapest auto insurance quotes, you have to look at a list of car insurance companies in your area. But before you do that, you should first know that under California law, the minimum insurance liability coverage for vehicles is 15/30/5. That means the lowest coverage that you should purchase is $15,000 for bodily injury and death claims for a person, $30,000 for all persons injured, and $5,000 for the other party’s property damage claim if accident occurs. If you can afford, you could purchase or increase your coverage. The auto insurance quotes that will be given to you by the different agents of insurance companies will depend on the car make and model, information about yourself, your driving history, and things such as discounts that they could offer. If you have good driving record, you surely will get a discount. The safety and security features of your car and the low mileage will also add up to more discounts. Always ask the car insurance agents the discounts that they offer and with a good deal you can lower the quote up to 25% discount. It is your wise decision which company to insure your car. Make sure that you get the cheapest car insurance quote with a good coverage for your car to be bought.
Is it Safe to Get the Cheapest Auto Insurance?
Reader’s Question:
I am wondering, is it safe to get the cheapest auto insurance available in town?
I mean, if it’s too good to be true, there has to be some catch, right?
Jim
Pittsburg, PA
In the old days, you should think not twice but ten or maybe a 100 times if you encounter a very cheap quote with a promise of really good car insurance. Chances are by the time you make a car insurance claim, you will be surprised to find out that there is no such auto insurance broker registered.
But now, Jim, I really can’t say outright that if somebody offers you what you think is the cheapest car insurance quote, you’re getting a rotten deal because there are many car insurance companies now offering really cheap auto insurance. Especially those online guys, they really give it to you cheap and fast and really deliver good and reliable service when you need them. Well, at least, most of them do. It’s just the way competition works-consumers win.
So, what you do if you happen to come across an unbelievably cheap auto insurance quote is you make a call to the Pennsylvania Department of Insurance and verify if indeed that that auto insurance has a permit to operate a business in your state. Then you’ll be sure that the company giving you the cheapest car insurance quotes is really legit.
Cheapest Auto Insurance after an Accident
Reader’s Question:
My rates have increased after my friend crashed my car. Where can I get the cheapest auto insurance after an accident?
Ian
Rockford, IL
Although it may seem unfair, but will have to pay for your friend’s dreadful driving, too. This is also the case when family members borrow your car and get into an unfortunate accident. This is because the insurance that will kick in to pay for the damages your friend or relative may cause will be the auto owner’s insurance, which in this case is yours. Unless you are able to prove that the car was taken without your permission, then you can expect an increase of as much as 50% in your auto insurance premiums.
However, if this is the first ever accident in your auto insurance record, then you can appeal to your insurer. In most cases, auto insurance companies will be willing forgive the first accident and not raise the auto owner’s premiums. You will need to ask about this matter from your local auto insurance broker, though, as companies have varying rating systems. Other auto insurance companies may forego the first time accident, while some insurers may not. Since your rates have increased, you should shop around for the cheapest auto insurance from different companies that cater to clients who may be considered high risk because they have records of traffic accidents before.
Turning Sky-High Premiums to Cheapest Auto Insurance Rates
Reader’s Question:
My daughter has been requesting for her own car for the longest time. I think that it is right about time to give her this since she has been a very good student these past years. My only problem is that the cheapest auto insurance rates are definitely not for teenage drivers. What should I do? I do not want to let my daughter down this time.
Carla
Trenton, NJ
It sure would be a disappointment to your daughter if you are not able to at least give her this reward for being such a good student in school for the past years. But I totally understand your case. Finding the cheapest auto insurance rates for teenage drivers shall prove to be a great challenge, especially since you live in a large city. No one can actually escape the fact that teenagers and people who reside in large cities are given sky-high auto insurance premiums.
Why? It is actually a matter of probability of getting into an accident.
Yearly, statistics show that most vehicular accidents have teenage drivers involved in one way or another. Whether the teenagers have a mere speeding ticket, or whether the teenage driver is at-fault in the accident or not, it does not matter. All of these just suggest some form of a pattern of recklessness on the teenagers’ part. On the other hand, people who reside in large cities are more exposed to vehicular accidents simply because there are more cars in cities than in rural areas.
Now, it may seem unfair to generalize all of the teenagers as reckless drivers. So, in order to give a solution to this problem, auto insurance companies offer various discounts that will surely turn the sky-high auto insurance premiums to the cheapest auto insurance rates.
First, a teenager must have good grades in school in order to avail of “good student” discounts. In the eyes of auto insurance providers, a teenager who can be responsible in school most probably can be responsible, as well, on the road. Second, it would also help if the teenager finishes driving courses that are offered in high schools and other local establishments. Driving skills are enhanced through driving courses, and at the same time traffic rules and regulations are taught to the driver, making him or her aware of the responsibilities that come with driving. Third, I would not suggest buying newer cars. They are not only more expensive to repair, but they are also more attractive to thieves. Older cars updated with safety features are better. They run slower than newer cars, making them less prone to accidents, whereas safety features translate to lower medical bills in the event of an accident. Lastly and most importantly of all, make sure that your daughter would never, never drive while intoxicated. A DUI offense would raise your daughter’s auto insurance premium, not to mention all the other consequences that come with it.
Tricks to Find the Cheapest Auto Insurance Rates
Reader’s Question:
How can I find the cheapest auto insurance rates on the Internet?
Gail
Minneapolis, MN
With a lot of websites out there claiming to offer the cheapest auto insurance rates, it can get quite confusing. Let me share with you some tips to get the cheapest auto insurance rates for you:
- Know what you want. If you are working within a budget, you will need to find the auto insurance deal that will give you the most for your money. Do some research on what state laws require as the minimum auto insurance and assess whether this coverage suits you or the amount of coverage that you think you will need. This way, you will not be easily swayed by cheap auto insurance that is lacking in coverage.
- Compare rates from different auto insurance websites that offer different brands. Another way to get the cheapest auto insurance rates is to compare rates of different websites. Each consolidator website offers auto insurance from different companies, and if you go to just one brokering website, they may not offer a brand that will actually give you a better deal.
- Try to find the auto insurance company that specializes in the type of insurance that you need. Some auto insurance companies specialize in insuring drivers with DUI or such other records, while some companies offer better deals over all for teen driver’s insurance. If you know what category you fit in you will be able to ask around and see which auto insurance company offers the cheapest auto insurance rates for your category.
Hope these tips help you get the auto insurance policy that you need.