All my bills are getting higher and I wanna be able to save at least on my auto insurance here in Arizona, how do I do that?

Luis

Gilbert, AZ

In order to save on your auto insurance in Arizona, you have to look for the auto insurance provider that has the cheapest price and the best coverage. A lot of people are making mistakes by not focusing on the types of coverage that are available. You have to pay attention on the amount of coverage you purchase because you will be paying more if you don’t have enough coverage to pay for an accident.

You also have to concentrate on looking for great auto insurance discounts. A lot of auto insurance companies will reward you for being a good driver and not having accidents on your driving record. For that reason, you need to follow the traffic rules at all times and avoid accidents on the road. Other auto insurance discounts that you may qualify for include low mileage discount and multiple-line discount (combining other insurances such as life, home, etc. with your auto insurance). You can also get auto insurance discount by installing safety and security devices in your car such as anti-lock brakes, anti-theft device and car alarms.

Don’t forget to obtain several auto insurance quotes from different auto insurance companies to be able to have huge savings on your coverage. When you go online, you can visit a comparison quotes Website and ask for auto insurance quotes. You can review the quotes given and compare them to see the coverage and price being offered and choose the one that has the best deal.

I think getting auto insurance discounts can help me in cutting the costs of my auto insurance here in Illinois. What types of discounts can I get and how else can I lessen my premiums?

David

Rockford, IL

There are a lot of things that you can do to lessen the costs of your auto insurance in Illinois and you are right, getting discounts is one of them. You can get an auto insurance discount if you install safety devices in your car such as steering lock, alarm system and anti-lock brakes. Likewise, you need to make sure that your car is safe and stored in a locked garage at night and parked in a safe place.

Another type of discount that you can get on your auto insurance is for being a good driver. If you keep a clean driving record and have no claims for a certain amount of time (usually for three years), you will be rewarded for this. You will also get a reward or what is called low mileage discount if you meet a certain number of mileage per year. Then, you have to enroll and complete a defensive driving course as you can also get a discount on your auto insurance for this. This will prove that you can be a safer driver, thus lowering the rates offered to you by auto insurance companies.

Aside from getting auto insurance discounts, you can also lessen your premiums by getting higher deductible on your auto insurance policy. Insurance deductible is the money you are willing to pay in case of an at-fault accident before the policy comes in and pays the rest up to your set limits. Also, auto insurance comparison is a proven way to lessen your premiums. If you collect and compare quotes from several auto insurance companies, you are guaranteed to get the best quote that is most suitable for you.

I live here in Washington, DC and even though I have auto insurance for a long time, there are some things that I don’t understand. What does it mean when you buy third party coverage for auto insurance? Also, would my auto insurance rates be affected if I don’t bring my policy with me all the time?

Alicia

Washington, DC

It would not affect your auto insurance rates if you don’t bring your policy with you all the time. But this is highly advisable to do since you have to show it when it is asked by a police officer no matter where it was issued or which state you live in.

Third party cover only in Washington, DC auto insurance means that it will not cover you for personal injury. In the event that you have injuries or you are hospitalized because of a vehicular accident that you caused, you have to pay for your own bills in the hospital. Likewise, you will cover all the damages sustained by your vehicle. If you have other types of coverage such personal injury protection (PIP), this will cover your own medical expenses and collision coverage on your auto insurance will pay for the repairs on your vehicle. These are optional types of coverage so it would be your own choice if you buy them or not. But you have to take into account the possible costs that you have to pay if an accident happens.

If the vehicle that you own is not worth much, then you don’t need collision coverage; and you won’t probably need comprehensive coverage on your auto insurance as well which is for damages caused by things other than accidents such as flood, storm, vandalism and theft.

As a student here in Delaware, how can I be able to save on my auto insurance coverage? I need to be practical so I have to remember the things that can help me save money.

Kurt

Brandywine, DE

With the help of a little research, you can be able to save money on your auto insurance coverage. You have to understand first the requirements for your auto insurance and know the available discounts. In the state of Delaware, it is required for a driver to get at least $15,000 per person and $30,000 per accident for bodily injury and $10,000 for property damage. Delaware also uses a Tort system that requires the at-fault driver to pay the damages for all the people involved. You also need to get personal injury protection or PIP coverage of $15,000 per person and $30,000 per accident.

To get all the savings that you can on your auto insurance, you should get all the discounts you qualify for. These include:

Good Student
If you have a GPA of 3.0 or better in school, you can qualify to get this discount with the auto insurance companies that offer it.

Defensive Driver
If you have finished a defensive driving course, you can qualify for this type of auto insurance discount.

Safety Devices
If you install safety devices in your vehicle, you will be considered less of a risk by auto insurance companies and you may be offered a discount on your auto insurance for it.

For a new driver like me who needs to get auto insurance here in Kansas, what are the important things that I need to know about my getting coverage?

Brent

Wichita, KS

There are some important things that you have to understand and remember before you get your auto insurance in Kansas. The very first thing is that in the event of an accident, the medical expenses of each driver would be covered by their auto insurance policy no matter who was at fault since Kansas is a no-fault state. You also need to know the state’s minimum coverage which is $25,000 for one person and $50,000 for all persons for bodily injury in a single accident and $10,000 for property damage liability.

Aside from the required auto liability coverage, you are also required to get at least $4,500 for Personal Injury Protection (PIP) in Kansas. This coverage would help pay for the needed medical fees for you as well as your passengers. Another required coverage on your auto insurance would be the uninsured and underinsured motorist coverage. You have to carry at least $25,000 for one person and $50,000 per accident for bodily injury incurred by a driver who doesn’t carry auto insurance or who doesn’t carry enough coverage.

Remember that these types of coverage are just the minimum requirements in the state of Kansas and you have the option to get more than the required coverage for your auto insurance. This is to make sure that everyone in your household is well protected in case you get involved in an accident.

I’m new here in Connecticut and I have to get auto insurance ASAP and I just have a question about it. Is uninsured and underinsured motorist coverage required in this state or can you do without it? I just feel that it’s very important for every driver to have it and some other types of optional coverage so I think I’ll get it even if it will not be required.  I really need auto insurance at a very affordable price right now, please give me some pointers.

Luke

Stamford, CT

Several auto insurance carriers in Connecticut are battling against one another to provide the most competitive prices for your auto insurance. You could collect different quotes from several auto insurance carriers with the assistance of their agents and brokers and then select the most appropriate auto insurence for your automobile. For your auto liability coverage, you need to get $20,000 for one individual and $40,000 for all individuals for bodily injuries in one accident and $10,000 for property damage. You may opt to get higher auto insurance coverage to get the best protection for you and your vehicle.

In the state of Connecticut, it is required that you get uninsured and underinsured auto insurance coverage to protect you and the passengers in your vehicle in the event of an accident with someone who doesn’t have auto insurance or someone who doesn’t have enough coverage. The minimum coverage that you can get is $20,000 for one individual and $40,000 for all individuals in an accident. In the event that the auto insurance coverage of the at-fault driver is not enough, you could get your medical and other costs through underinsured motorist coverage.

Though not required, the other types of coverage that you can get for your auto insurance include collision, comprehensive, towing, rental charges, medical payments, etc.

No one can blame me why I don’t trust the internet that’s why I’m afraid to shop there for my auto insurance here in Washington, but I guess I don’t have a choice this time. Could you tell me the benefits of shopping online for my auto insurance to maybe make me change my mind?

Angelina

Seattle, WA

There are several advantages in shopping online for your auto insurance in Washington, including:

1. Shopping online for auto insurance quotes is easy because you don’t need to search for hundreds of contact numbers to try to find out if auto insurance companies offer service in your area; an online search engine will help you on that.

2. When shopping online, you don’t have to spend hours on the phone talking to auto insurance agents to ask questions and wait on hold for an agent to help you.

3. You don’t have to take the first offer for your coverage because you can shop around for auto insurance quotes online. There are lots of Websites of auto insurance companies that you can access that would offer you several coverage options.

4. A lot of auto insurance companies offer discounts on your auto insurance coverage if you purchase it online. Insurers save money when they do business online so they pass along the savings to their consumers by giving them price cuts on their auto insurance.

5. If you are tired of dealing with inexperienced auto insurance agents, you can get rid of them if you go online to look for auto insurance quotes. Several auto insurance carriers have a “chat” feature that allows you to have a conversation with a knowledgeable auto insurance agent particularly trained for those who have queries and having problem navigating through the Website. They know what their company offers and they answer questions of their customers.

You will find that it pays to go online to shop for your auto insurance because not only that it will save a lot of your time but a lot of money as well.

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I need to take note of the important things that impact my auto insurance premiums here in California, will you help me out on that?

Rafael

Fremont, CA

There are mainly five negative and positive things that could impact your auto insurance premiums in California. The negative things include:

Accidents
You will be considered high risk by auto insurance companies if you have been to a lot of accidents, thus getting higher premiums for your auto insurance.

Speeding Tickets
You will also get higher rates on your auto insurance if you have a lot of traffic tickets and speeding violations.

Bad Credit History
You will be considered irresponsible and higher risk by auto insurance companies if you have a bad credit history.

Age
Most drivers under the age of 23 get higher auto insurance rates than other drivers.

Adding a Teen Driver
If you are a parent and has a teen driver listed on your auto insurance policy, this means higher premiums because statistics show that teen drivers have high accident rate.

To turn these things around, take note of the following positive things to get lower auto insurance premiums.

Safety Devices
Installing safety devices on your vehicle would definitely help you get lower rates on your auto insurance.

Garage
Make sure that your vehicle is parked in a locked garage during night time to avoid theft and vandalism.

Low Mileage
The less you drive, the lower the risk of getting into an accident, thus lower auto insurance costs.

Extra Brake Light
To aid in avoiding other drivers to bump into you from behind, make sure you install this in the rear windshield.

Safe Driving
If you don’t get into accidents and be a safer driver, most auto insurance companies will reward you with discounts.

I was wondering how car insurance is calculated by insurers and if you think it would be possible to know your rate based on the information to determine how much or how little a rate may be for a certain individual?

Marion

Philadelphia, PA

Car insurance companies base their calculation on statistics regarding your likelihood to get involved in an accident. These data are acquired by your carrier from government and private sources. Companies will usually classify your risk as:

Preferred: you are least likely to meet a road accident or other incidents that result to damages on your vehicle.
Standard: while you aren’t the safest motorist in town, you are not that awful either.

Non-standard: this tells you to be more cautious with your car because you are very likely to file a claim, something that nobody really wants.

So now you are wondering how come your company thinks you are prone to vehicular accidents. Take a look at the factors below that affect your car insurance rating:

Age

All insurance carriers charge teens higher than more experienced drivers. Statistically, drivers above 25 years old have less accident records than drivers under that age. Drivers aged 50 to 65 are rated the cheapest in relation to age. It is unfortunate that car crashes are the top cause of death for teenagers, especially 16 year-olds.They are three times more likely to engage in a fatal accidents.

Gender

Car insurance carriers are not gender biased-it’s pure statistics. Female drivers meet lesser accidents than male, plainly because males drive 60%-65% more.

Marital Status

Married drivers are granted lower rates because they have lesser claim statistics.

Geography

Car insurers do look into police records, or at least not literally. They charge higher to customers who reside in areas that are prone to theft, fire, and other non-collision related damages.

Vehicle Usage

Cars used for business, e.g. product delivery, are given more expensive rates. The opposite is true for cars used solely for leisure. This is because they are least used and the probability for accident is lesser. Therefore, your work will affect your rating.

Other variables for your car insurance premium are:

• Vehicle type, make, and model: more expensive means higher rates
• Education: its pays to take advance driving courses
• Distance from home to work
• Years of driving experience
• Credit record: pays to have a clean one

I want to save on my car insurance. Can you give me some tips please.

Halley

Lincoln, NE

We all think of better ways to spend our money. Bottom line is we do this because we want satisfaction. Moreover, we want savings. That is why whether we are purchasing a piece of jewelry or a common commodity like auto insurance, we always find ways to save money.

You read it right. There are multiple ways to save money in auto insurance. Here is how you can do it:

1. Discounts- There are so many ways to get discounts in purchasing auto insurance. You can get automatically qualified for it if you meet their conditions. Most of the time, they are granted to people who have been religiously practicing safe driving thus, having no violations on their driving record. They are also given if you have additional driving courses or training, anything that makes you a safe driver. You can also have discounts if you have maintained good grades as school. Or as simple as installation of anti-theft devices in your car can help you earn the discounts.

2. Deductibles- You always has the option to shoulder a portion of your liabilities. The higher you assume, the lesser your premiums can be. However, you have to be smart in choosing the amount. There is always a catch in here. You might be in trouble if you don’t have the money by the time it will be needed. Therefore, you have to be certain that you can afford what you have assumed.

3. Shopping around- This alone can get you to save a lot of money. Getting into the wrong company can cost you a lot. You do not want to end up purchasing insurance and finding that the other company has a better deal right? Remember, car insurance cost is never alike. Companies have their own ways of computing them.