2006-10-24 15:12:08 · 15 answers · asked by I.LO 1 in Cars & Transportation ➔ Insurance & Registration
In addition to the specific coverage options that you select, other factors that affect your auto insurance rates include the following:
Deductible: This is the amount of money that you pay out of your own pocket if you get in an accident.
Age: Younger, less experienced drivers have higher insurance rates.
Gender: Men have higher rates than women.
Demographics: People living in high-crime areas pay more than those living in low-crime areas.
Claims: Accident-prone drivers pay more.
Moving Violations: Speeding and other moving violations all have a negative impact on your insurance bill.
Vehicle Choice: Sports cars cost more to insure than sedans, and expensive cars cost more to insure than cheap ones do.
Driving Habits: The number of miles that you drive, whether or not you use your car for work, and the distance between your home and work all play a role in determining your rates.
Theft Deterrent Systems
Safety Devices
Accident Prevention Training
Multiple Policies
Payment Plan
Credit Score: Good credit lowers your car insurance rates. Bad credit increases them.
Shopping Tips
When you're in the market for car insurance, careful shopping is a must. Prices, features and benefits vary widely from company to company. Minimum coverage requirements vary too. In Florida, for instance, the minimum coverage requirements are $10,000 for personal injury protection and $10,000 for property damage.
In the personal injury department, $10,000 dollars doesn't buy much in the way of medical services should an operation or prolonged stay in the hospital be required. The same is true when it comes to personal property, as there are many sport utility vehicles and luxury cars that are priced well above $30,000. Therefore, protecting your financial assets in the event of an accident is likely to require far more coverage.
The best way to get insurance information, though, is from a qualified insurance agent. I would suggest going to http://www.insureme.com/landing.aspx?Refby=614498&Type=auto. It’s a web site that offers insurance information & information on policies nationwide. It also gives you the option to call local agents to get any of your questions answered. This service is 100% free and you are not obligated to buy anything. It is simply a way to get insurance information and be able to instantly compare rates in your area to find the best price/coverage.
2006-10-25 01:05:20 · answer #1 · answered by ? 2 · 0⤊ 0⤋
All depends on the type of vehicle you have. Some insurance companies like Mercury have poor track records when it comes to repairing or offering a realistic payout when it comes to vehicles that are ten years or older. State Farm is a good company (my current insurer) and I have to say I am very impressed with 21st Century insurance. I was involved in an accident with a person insured by 21st (his fault). They had my truck in the body shop the next day, a rental car delivered to my front door and medical payment checks to the proper people with no questions asked and no hassle at all. Impressive considering I was not even a client of theirs.
2006-10-24 20:01:56 · answer #2 · answered by the_silly_fox 1 · 0⤊ 0⤋
I went with State Farm a long time ago; after 10 years and no real claims, I got a letter saying they would never drop me (well, if I wasn't paying premiums, that would be a problem). I don't even think about shopping around. When I did look at prices, there wasn't a whole lot of difference.
2006-10-24 15:22:05 · answer #3 · answered by Isthisnametaken2 6 · 0⤊ 0⤋
It's a great market to be a buyer of insurance right now. Rates are down. State Farm can have very good rates, they are the biggest in the nation. Use Progressive to get an idea how you may rate, note that they make heavy use of credit reports in pricing. Allstate can be competitive as can GEICO (but they tend to favor older drivers). Checkout www.insweb.com for some price comparisons.
2006-10-24 15:21:07 · answer #4 · answered by shakopcool 3 · 0⤊ 0⤋
I would recommend that you try this web site where onel can compare quotes from different companies: http://cheapinsurancequotes1.info/index.html?src=2YASQR26GmehRR
RE :I'm currently shopping for car insurance, any advice? What do you recommend?
Follow 14 answers
2016-08-25 09:56:30 · answer #5 · answered by Lynn 6 · 0⤊ 0⤋
I was with Progressive Insurance. I was paying about $85.00 per month. I went on-line and got a free quote from Geico (http://www.geico.com) and am now paying $69.00 per month. Give it a try. Doesn't cost anything for a quote.
2006-10-24 15:27:24 · answer #6 · answered by ssgbeth 2 · 0⤊ 0⤋
Go to an independent agent that isn't tied to a particular insurance company, and have him find you the best deal for your particular circumstances.
2006-10-24 15:20:14 · answer #7 · answered by oklatom 7 · 0⤊ 0⤋
go to Progressive.com for a quote, they will give you their quote and quotes for several other companies as well so you can compare or you can call them at 1-800-888-7764
2006-10-24 23:05:54 · answer #8 · answered by Anonymous · 0⤊ 0⤋
I like to use http://www.nationwidebillrelief.com they have very cheap auto insurance rates.
2006-10-25 07:11:32 · answer #9 · answered by rob g 2 · 0⤊ 0⤋
try AAA insurance they saved us over $400 over other insurances
www.aaa.com
or
http://www.geico.com/
they were much cheaper also
2006-10-24 15:34:19 · answer #10 · answered by geekieintx 6 · 0⤊ 0⤋