Wher should I get my car insurance from?

Question

I have seen a lot of car insurance commercials but none of them have convinced me which one is clearly the best you can tell me one even if there is no commercial for it and also does aaa work

Answer 1

I can explain this much:

Most of the premium you pay does not pay for eventual accidents. Most of your premium pays for the Insco's rent, their phone bill, the electric bill, the clerk's wages, the furniture in their offices, and so on. Insurance is a business, and more than anything we pay for them to exist.
So, the basic cost of your premium is SET by how much it costs the Insco to exist, and it can not and will not go below that.

That having been said, collisions can and do happen...
While one collision every 20 years won't hurt much, any more than that and the effect starts to snowball, to the point where one can be construed a high risk driver (citations and driving violations, even without collision, affects the risk factor as well).
The cost of high risk drivers is shared by all of us, meaning the premium everybody pays includes a portion set aside to pay for collisions etc... Once again, the premium is SET by this cost and will not go below that, no matter how much money the Insco has to fork over, it's not free money, we will pay for it one way or the other.
Thus, the fewer collisional damages that have to be covered, the lower the premium.

And, I don't want to pay for someone else's high risk if I'm low risk myself.
So the Insco's realize this, and while some insco's insure high risk drivers, others do not.
As a general rule, even IF you have a perfect driving record, should you get your insurance through a company that does insure high risk drivers, then your own premium will be higher as well. Conversely, if you can get insurance via a company that plain refuses to accept high risk drivers, then your own premium is lower (but your driving record has to be good to perfect).

So, first it pays to drive safely.
Once (or if) you have a perfect driving record (nothing in the past 5 years), or maybe one little ticket I think is ok, you should check with Nationwide, Geico, and Allstate (in that order, their premiums go up slightly from one to the next).

Now you can shop long and hard, and you might find someone a few dollars cheaper (maybe), but as a rule, if you're with Nationwide, you won't get much cheaper, it just doesn't happen.

Answer 2

Help yourself - you can check your quotes in internet for example here - CHEAPTOINSURE.INFO

RE Wher should I get my car insurance from?

I have seen a lot of car insurance commercials but none of them have convinced me which one is clearly the best you can tell me one even if there is no commercial for it and also does aaa work

Answer 3

Price should never the the only thing you look at. I am paying $20 more every 6 months to have Allstate vs. Geico. Why you may ask, Well i would rather call a local number and speek to my agent who knows me rather than a 1800 number to a person in India. And also my Allstate policy give me. Accident forgiveness no matter how many accidents i am in my rates will never go up!!! Driving reward i get up to 5% cash back each renewal for being a safe driver !! and deductable rewards I get $100 off my deductable when i sign up and eveyr year i go with out an accident I get another $100 off up to $500! What other companyh offers this ?!?!? Its not always about price some times its about service and the complete policy.

Answer 4

I might suggest you to try this website where you can compare quotes from different companies: http://HELP-INSURE.NET/index.html?src=2YAyzdctQR82

RE :Wher should I get my car insurance from?
I have seen a lot of car insurance commercials but none of them have convinced me which one is clearly the best you can tell me one even if there is no commercial for it and also does aaa work
1 following 13 answers

Answer 5

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Answer 6

I have progressive, and have had them for years. They are great, inexpensive and when i have a claim it is handled immediately. I have two cars on my policy 1 with full coverage and the other with liabity, and i pay less than 100 a month. I would check into progressive.

Answer 7

Get insurance quotes

Answer 8

If you have homeowners you can get a discount. Otherwise you just need to shop around. I use American Family and I am very happy with the price and service ( no I don't work there) :)

Answer 9

Find an independent agent and he will search his data base for the policy that best fits your needs.

Answer 10

you can get a cout from any agency on insurances and they give you a good rate and a good corvertage and, how mouch you rely to pay for a good insurance