Finding a Cheap Automobile Insurance Policy

1 Apr

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In the globe today, each particular person is searching for ways of cutting down their monthly expenditure. Numerous people who slash their spending budget usually do not contemplate modifying their current auto insurance as a way of saving funds. The majority of folks think about current low cost car insurance to be a small more lavish. Nonetheless, auto insurance is a must to any car owner, but there are a quantity of possibilities for any automobile owner to uncover cheap car insurance regardless of his present monetary predicament.

What you must know about low cost auto insurance

To uncover a reliable insurance company is a difficult process on its own. Convincing a quantity of various insurance businesses who continually throws quotes at you can be a hard activity. Nonetheless, anybody who focuses on the basics and stops making the process to be far more tough than it is supposed to be, can simply discover the very best alternative.

You need to verify on discounts, which are offered. Some insurance are readily obtainable so long as you purchase an insurance policy. Other insurance firms may possibly be particular, and any shopper must inquire about discounts becoming offered, before deciding on the insurance. You need to not overpay for anything when you can get it cheaply, particularly on car insurance. It expenses absolutely nothing to ask. Nonetheless, make certain it covers all damages which includes auto transportation fatalities.

To qualify for cheap car insurance, you need to keep a clean driving record. It is far more costly for folks who have accident records to get auto insurance as compared to these who do not. Insurance providers always want to insure individuals with the lowest risk attainable. This means that any car owner need to often drive carefully, and this is the crucial to obtaining less costly insurance.

Having a good credit record also helps in getting low-cost insurance. Proving to the insurance provider that you can drive is an added advantage, but you should also prove that you constantly take care of your bills on time. Credit card background may look irrelevant to vehicle insurance, but it is generally a ideal indicator of the quantity of threat you pose for the insurance provider. Men and women with poor credit locate it rough in obtaining low cost automobile insurance.

There are other options to pick from

You require to verify on the regular interval required by the insurance organization to pay the insurance. Deciding on to spend your insurance yearly can allow you to score more discount compared to monthly payments. When you choose this option, you could keep away from paying administrative costs and other surcharges, which comes with month-to-month payments. One particular can overlook elements like administrative costs which seem little, but you take a closer look at it, the result can be financially rewarding.

Since it is mandatory in most nations for a automobile owner to have auto insurance, it is advisable to find discounted programs made available in your state. Some states have particular discount to those folks who are regarded as low-earnings earners. For those folks who are risk-free drivers and are capable to shop about, they can get grand offers from low-cost car insurance providers. What you require to do is to find and go to the company’s office and get the most affordable insurance for your automobile.

38 Responses to “Finding a Cheap Automobile Insurance Policy”

  1. Alana February 13, 2013 at 6:20 am #

    Im gettin my car in 3 months and I need to know who has good cheap car insurance. I dont wanna spend alot of money on car insurance I already have two other bills to pay. Thanks for the help. =)

  2. Rafael February 14, 2013 at 7:49 pm #

    I need to find an insurance company which will allow me to meet the terms and conditions stated below for a 2 week period.


    Proof of insurance will be required prior to start of rental or production. Customer must provide R & R Lighting Co., Inc. with evidence of:
    # Comprehensive Liability and Automobile Liability Insurance in the amount of $500,000 each for:

    * Bodily Damage Liability,
    * Property Damage Liability or
    * Combined Single Limit Bodily Injury and Property Damage Liability.

    # Customer must provide “ALL RISKS” insurance on all equipment rented from R & R Lighting in an amount at least equal to the Value stated by R & R Lighting Co., Inc.
    # Insurance must be verified by the filing of a Certificate of Insurance containing the following:

    1. List as an additional insured with respect to: Third Party Property Damage and General Comprehensive Liability.

    2. Provide a 10 day notice of cancellation to R & R Lighting in the event of any cancellation or reduction in coverage.
    3. Contain a statement that the Insurance is primary with R & R Lighting over all other insurance.
    4. That a copy of the Insurance ACCORD, with R & R being named as the loss payee, be delivered to R & R Lighting prior to the rental.

  3. Ching February 28, 2013 at 2:12 am #

    I went on Geico, and I put in basically everything honest. I had one accident where I rear ended someone on May 2012. No one was hurt, and the car I hit basically had no damage. My insurance paid about $3000

    Anyway, since then I’ve NEVER had a speeding ticket, nor any type of tickets aside from parking tickets from an automobile. I also have been driving for a year, and have my basic license

    I checked the insurance and it would cost me 65.00 a month. A downpayment of 97.87 and about a grand total of 600 for 12 months

    That’s REALLY cheap actually! Is this true or is Geico just trying to rob me? I’m looking for a cheap motorcycle bike. The Ninja 250CC. Yes, I will be going for the safety foundation for the whole motorcycle stuff. Thanks

  4. Denae February 28, 2013 at 8:34 pm #

    i bought a new truck, i am a first time car buyer and got the independent insurance agent the dealer had…. the agent told me that he was informed by the insurance agent that i will have a one (1) year coverage for the auto insurance as well as the amount of my monthly premium.. when i got the policy i was shocked to find out i only got six months coverage for the insurance and my monthly premium increased… they got PROGRESSIVE as the insurance company. i have already paid the required “first six months” (according to the agent) insurance premium and have to pay monthly for the remaining 6 months… which is not the case when i got my policy…

    is there a way how to handle, change this car insurance that i got? if not how could i send any complain to certain authorities/agencies for this kind of activities?

    any help is appreciated

  5. Alisha March 3, 2013 at 2:49 am #

    My wife and I are traveling to New Zealand this September and renting a car for 2-weeks. We found out that our USA car insurance does not cover automobiles in New Zealand. I also checked American Express (my credit card) and they too do not offer any type of coverage in New Zealand. We are renting our car from Hertz but the insurance through them is super expensive.

    Does anybody have a suggestion on temporary car insurance in New Zealand? Also, feel free to offer any other advice about renting cars and driving in New Zealand.

    Thanks a lot!

  6. Antonio March 21, 2013 at 11:33 am #

    I’m 25 and have just been in my first automobile accident in which I was at fault. I hit the side of another vehicle. My car is only damaged slightly on the front bumper, while the other car’s passenger side is quite dented. No one was hurt in the accident and I didn’t receive a ticket. Both of us were able to drive away from the scene. I do have automobile insurance which should cover any damages to the other car, but I am concerned that this will cause my insurance payment to increase. Thoughts?
    I just bought my (used) car in September. I was out of the country for 2 years, so I wasn’t driving at that time. I’ve had this insurance since September and the price has been very reasonable thus far.
    My insurance covers the other person and I have a $500 deductible on the damage to my car.I don’t expect the damage to my car to cost $500 since it’s very minimal. The other car got the worst of it!

  7. Catarina March 22, 2013 at 11:59 am #

    So I started asking my Mommy group buddies. And I was shocked at the variety of answers. So far I’ve asked about 7 people. I thought I’d post this to Yahoo Answers. How much is your premium per month? How many people does that cover? Size of deductable & annual average out of pocket costs? Is it private or through your job? And last but not least…are you satisfied with your health insurance company? Please answer honestly. Personally, we switched to a private company and choose a high deductable HSA plan. We pay less annual out of pocket costs, go to the doctor more, and have the lowest premiums for our large family. So far so good. But I’d love other folks basic stats please. Thank you.

  8. Irvin March 25, 2013 at 3:28 pm #

    My wife and I are looking to buy a home, but we want to find out what a typical home insurance payment looks like.

  9. Cleotilde April 17, 2013 at 9:39 pm #

    What happened?

  10. Elizabeth April 18, 2013 at 6:07 pm #

    It’s funny how you make quick decisions about purchases now that we are in a recession. Last night I found myself foregoing a number of items in the supermarket, things I used to buy without much thought to price or affordibilty. No sixpack of Cream Soda. No ice cream. Cheaper rolls of paper towels. I saved money and I think it’s a pattern I will follow through America’s recession. What are some things you are sacraficing?

    Although it will boring I also invite wealthy folks to answer with all the reasons why they are not cutting back on anything – in fact may be spending more, and their answers that we are not in a recession. Those will be fun too! All join in an answer!

  11. Joe April 24, 2013 at 7:23 am #

    I may need a $10 million of proffesional liabilty insurance. I’m a salesman and I got a dui/dwi. The company I work for is afraid since the automobile and buisness liability insurance is tied together that if they won’t insure me for driving the company vehicals, they won’t insure me for the $10 million of proffesional liabilty insurance needed to get into steel mills.

    I sell air-conditioning to steel mills in the midwest, usa. I do not work on or repair the air-conditiong. I measure the space and design systems, but I need to get into the mills to do my job.

    I may not need that much to do my job. The people I work for are torn between letting the insurance company find out on there own, the policy needs renewed befor 4-1-08. Or calling them and seeing what the options are ?

    So if anyone has any input let me know. Thanks

  12. Cathleen May 2, 2013 at 1:25 pm #

    The B+ company is so much cheaper, but is it worth the risk?

  13. Ethelyn May 5, 2013 at 7:04 pm #

    Me and a few uni mates are looking to do a USA Road trip across states, we are all 21.
    We looking to take about £4-5000 in dollars as a budget each, staying in cheap motels.
    We all have clean uk driver licenses and no criminal records.
    We Also looking to buy a car and selling it at the other end and all take it in turns to drive.
    Only thing we are unsure about are insurance, us license, Us visa’s?
    Can anyone give us a rough idea on what we would have to do?

  14. Tamatha May 9, 2013 at 9:50 am #

    I recently bought a 1984 Mercedes 500SEL and my insurace company says they will only cover my car for 30 more days until I find a company that will cover a grey market car. The guy I bought it from had it insured so I know its possible, but could you give me some ideas of cheap companies to start off at? I’m a newly licensed driver and am only 16, so please only give me companies that sell policies to 16 year olds (some only sell to 18 and above). Thanks.

  15. Karlyn May 22, 2013 at 2:57 am #

    I am paying too much on auto insurance and I need a cheap option.

  16. Shanell June 6, 2013 at 8:25 am #

    I am trying to narrow down my options for Automobile insurance and find the best for my money… I am a high risk so State farm wouldn’t accept me after I carelessly let my insurance policy cancel.

    I have been quoted 189.00 a month from Al Boenker Insurance and I am really not wanting to have to pay that much…. But any suggestions would definitely help!

    Thank you!

  17. Milo July 19, 2013 at 6:56 am #

    I have an Australian licence (i will get an international licence if i go to USA)
    i am 31 yrs old, so can i use a rental car? is it expensive to have the car for about 20 days?

  18. Collene July 19, 2013 at 11:06 am #

    I had another driver driving my vehicle when she was involved in an accident. The other driver was going to accept the payout from the insurance company but decided at the last minute to ask for more than the maximum payout from the insurance company. Now I am being sued and after an asset search it was found that I own my home. Can I file this against my homeowners policy? Can I sell or transfer my property to another party in order to “save” my home? Can I have the driver release me from any liabilty of this accident? What is my best course of action to take in order to protect my only asset which is my home?

  19. Melony July 20, 2013 at 3:58 am #

    Cheapest quote I have found so far is £1500!

  20. Tod July 20, 2013 at 10:02 am #

    I’m looking into some automobile insurance. I would like to know about some affordable insurances. Thank you for your help. Have a great day!

  21. Tresa July 24, 2013 at 10:31 am #

    I know I need to obtain General Liability Insurance for my mobile detailing business but my question is do I have to obtain a separate policy to cover my van and the equipment inside or would that be covered within the umbrella of the Gen Liab. insurance?

  22. Joshua July 27, 2013 at 2:08 pm #

    I am planning to sell my car and cancel my auto insurance. If I want to rent a car, am I required to buy their rental car insurance, since I wouldn’t have any other auto insurance otherwise?

  23. Rima August 6, 2013 at 2:04 pm #

    Can you resume your auto insurance policy one it was canceled? ok it was canceled 5 months ago I wasn’t using the car so I didn’t need insurance at a moment. Now I am planning on using the car again. Can I just call them and ask them to send me a monthly fee and get insurance resumed or do I need to go to insurance place and talk to Insurance sales agent and pay $200 finders fee again? I don’t want to pay those fees again. Is there a way to resume my insurance without those extra fees. I am a California resident.

  24. Dexter August 7, 2013 at 5:36 am #

    if you don’t want to purchase auto insurance you simply don’t buy a car?

  25. Denise August 8, 2013 at 9:55 am #

    After moving into inner Atlanta because I’ve grown tired of a completely car dependent lifestyle, my auto insurance went from 70 dollars a month to nearly 160 based solely on my location.

    Not only is this unfair and stupid, it seems to me to defy logic. I would think the suburban commuter who is spending lots of time in his car every day is more prone to claims than me, who barely has a reason to use my car anymore.


  26. Roman August 10, 2013 at 4:38 am #

    I didnt change my address at the DMV when i moved out because im planning on moving back with them this summer. But i got a new car and the dealership changed my address at the DMV To my boyfriends apartment (i do live there mostly) 🙁 so i got the sticker for my ID in the mail and im worried now that i cant be covered under my parents auto insurance if my address has changed at the DMV from their household.

  27. Vanita August 10, 2013 at 8:58 am #

    I am planning to sell my car and cancel my auto insurance. If I want to rent a car, am I required to buy their rental car insurance, since I wouldn’t have any other auto insurance otherwise?

  28. Arlie August 15, 2013 at 4:33 pm #

    What is a good website to use when researching auto insurance. One where I can get numerous rates from various insurers and compare them with each other?

  29. Curt August 16, 2013 at 12:59 pm #

    Alot of people are upset because it forces one to have insurance or be fined. The same thing applies to auto insurance. So whats the difference?

  30. Vernia August 26, 2013 at 3:51 pm #

    A few years ago I got into a small “fender bender” where I believe I was deemed at fault. At the time I was a named driver on my dad’s policy but now I have just bought my own car and am looking to take out my own policy and obviously want the cheapest possible… When getting quotes they ask if I have made a claim in the last 5 years. If the policy wasn’t in my name does it still count? Can a new, totally unrelated company even see that information, so do I have to put it down at all? Thanks!

  31. Angela August 27, 2013 at 5:28 am #

    I need a new auto insurance company, Allstate just raised my rates through the roof. But I don’t want it to be an unreliable company that will drop me for one little crack in my winshield. State Farm and all those companies are too expensive for me (I am a teenager and work part-time). I live in CA. Any suggestions?

  32. Louis August 28, 2013 at 12:50 pm #

    I’ve recently started working for an auto insurance agency but I do not have enough knowledge… and I’m really bad at reading books and i can’t take one to work anyway… i have my computer there and i need to know a website that will help me master auto insurance buisness.

  33. Darrell September 5, 2013 at 1:24 pm #

    I want to change my auto insurance comp, i have claimed an accident with it for which i did not get a ticket. So will it matter if I don’t report it to the new company while asking for quotations? Do insurance companies talk to each other or share data?

  34. Suzette September 9, 2013 at 2:26 am #

    I want to know more about auto insurance discounts. I would like to reduce costs so a discount will be nice.

  35. Lucas September 15, 2013 at 9:48 pm #

    I am renewing my auto insurance. I have a car with all kinds of great features like leather seats, upgraded stereo, sunroof, etc. Is there some way to insure it so if it gets totaled, I can buy a car of equal quality? Should I even get full coverage?

  36. Kristan September 16, 2013 at 4:50 am #

    Can you resume your auto insurance policy one it was canceled? ok it was canceled 5 months ago I wasn’t using the car so I didn’t need insurance at a moment. Now I am planning on using the car again. Can I just call them and ask them to send me a monthly fee and get insurance resumed or do I need to go to insurance place and talk to Insurance sales agent and pay $200 finders fee again? I don’t want to pay those fees again. Is there a way to resume my insurance without those extra fees. I am a California resident.

  37. Man September 18, 2013 at 11:44 am #


    I am with auto-insurance company X right now and due to few number of insurance claims that I had made, my insurance is going up. I am wondering if I try to switch to some company Y, will X share my claims information with Y?


  38. Lauralee September 19, 2013 at 5:33 am #

    I’m looking at buying or leasing a new car and am wondering how that’ll affect my auto insurance premium. Also, which features in a new car affect the premium. I’ve heard about red paint and sports cars causing higher premiums, but are there any other factors?

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