Auto & Car Insurance
	• Free Auto Insurance Quotes • Who is Insured Under My Auto Policy? • Affordable Auto Insurance

Comparison-shopping online by looking at different free auto insurance quotes is the best way to get the right coverage that suits your needs. Using online services to get an insurance quote is easy and it won’t cost you a cent: the service provides the free quote, and it’s up to you to decide if you want to purchase the auto policy or not. Comparison shopping gives you the power to decide the coverage you want and compare the rates from leading companies to choose the premium and policy that’s right for you.

Getting free auto insurance quotes is the #1 way of saving money on premiums. Here are some other great reasons to get online quotes:

1.      You’ve just moved. This is a good time to find out if you’re paying too much for auto insurance, since rates change when you move, and you have to update your policy anyway.

2.      You’re purchasing a new car. If you’re deciding between several different makes and models, compare insurance rates for each.

3.      You’ve just gotten married. Find out if you can save some money by combining your auto insurance policies.

4.      You’ve just changed professions, or you’ve retired. Many companies offer discounts to engineers, scientists, mathematicians, teachers, and members of the military, and also to drivers 55 years and older.

5.      You just think your rates are too high. The only way to know for sure is to shop around and compare rates.

 

It’s important to think about not only the price, but also the carrier and the coverage when buying auto insurance. “If it seems too good to be true, then it probably is,” is a maxim that relates to insurance premiums as well. The California Department of Insurance recommends that you check out the agent you’ll be working with. Don’t hesitate to ask a lot of questions before you buy your policy.

Make sure you investigate the company before making any purchases. If you’re not sure about the company’s reliability check them out at www.insure.com They provide free access to Standard and Poor’s insurance ratings. There’s no reason why you should ever put your money with a company whose rating is lower than AA.

 

Like most other services, you can pay an additional fee to get extras on your policy, such as “accident forgiveness,” which keeps your rates from being raised after a crash. For example, Allstate sells two premium policies, the Gold and Platinum Protection plans, in 37 states. Gold plan drivers pay an extra 5% to 7% on average above the standard policy, while the Platinum plan costs 14% to 15% more, and comes with accident forgiveness for multiple accidents and a 5% discount on your premium while you remain accident-free. Before you buy any add-ons, check to see if your financing company can provide similar coverage at better rates.

 

The average premium expenditure is expected to drop 0.5% and the typical US driver will pay less for auto insurance in 2007 than in 2006, reports the Insurance Information Institute. This is the first decrease since 1999, and the average annual cost of insurance premiums nationwide for the year so far is estimated at $847 per policy. Robert Hartwig, executive vice president and chief economist for the I.I.I., said that competitive marketplaces, safer cars, aggressive fraud-fighting and innovative underwriting are joining forces in 2007 to drive down the price of insurance, “an essential financial product.”

 

That doesn’t mean that if you drive like a maniac, your insurance rates will go down. A little common sense is all that’s necessary.

 

Just remember, when you apply online for free insurance quotes make sure you tell the truth about your driving habits and record. Insurance companies can withhold coverage if they discover you’ve misrepresented yourself on your application. And then you can forget about cheap insurance.