About Auto Insurance: Secret

Tuesday, April 17, 2012

Best Kept Secret to Breaking Out From Being Just a Car Insurance Statistic

ByValik Rudd

You may think you are an individual, a person with an opinion and what ever else the society tells us you are. Sadly, to a car insurance company you are just another number, a car insurance policy account number to be exact. For them to run a successful business they have to treat you that way. If they deviate from that plan, and consider your specific individuality, they will lose.

The insurers base their entire business on the 'risk factors' of their policyholders. This magic term gives them the upper hand on the deal. It makes sure that the house always wins. While it looks bad having it said that way, for the individuals being insured; if they got their policy set up correctly they reap the benefits of this relationship at the time they most need it. It is a win-win relationship for both parties.

To find your risk factor, the car insurance company will look at many different aspects of your life. They will find the mini risk factors of each piece and then calculate all of it into your main number. The number they come up with will determine the rate you will pay for your insurance policy. The elements of your life they look at include the car you are driving, your age and your driving records. There are some unrelated things they look at too, things like what your profession is, your credit score and whether you rent or own your home. All these things provide different facts about you and add to, or deduct points from your main score.

Changing any of those aspects in your life to save on your car insurance will probably go unsuccessful, because there are so many things they consider. You are who you are, and there are not very many things you can do about that. However, there is a secret you can apply that will help you really save on car insurance.

This secret is to get as many car insurance quotes as you can, get 10, get 20 if you can. The more you get, the more quotes you will have to choose from. One of the easiest ways to do that fast, is to go online and find websites that let you compare quotes all in the same place. That way you don't have to travel all over the Internet gathering quotes.

Getting the ball into your court gives you the power to choose, and this is how you can break out from being just a statistic. This will also make the insurance companies compete for your business, giving you the control.

Valik Rudd writes about car insurance on his website as well as other publications on the Internet. Read about what the average car insurance rates are in the United States and how they compare from state to state on Valik's website at http://CheapInsuranceRates.com

Article Source:http://EzineArticles.com/?expert=Valik_Rudd

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Rudd, Valik".".5 Mar. 2012EzineArticles.com.14 Mar. 2012 .APA Style Citation:
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Monday, March 5, 2012

The Secret to Finding Cheap Car Insurance Posted By : Chris Robertson

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The Secret to Finding Cheap Car InsuranceBy: Chris Robertson

[ Posted On: 2010-04-20 ]
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It doesn't take much effort to sign up for auto insurance, but shopping around for cheap car insurance will cost you in time and effort. And keep in mind that cheaper isn't always better. There's much more to an auto insurance policy than the premium amount.

You might ask, "What is the secret to finding cheap car insurance?" The answer lies in how deep you're willing to dig. Sure, you can compare two or three providers around town, but these might end up being the highest priced companies in the neighborhood. To find truly cheap auto insurance, you'll need to compare at least ten or more providers to ensure you're getting the fairest price for your needs.

Thankfully, you don't have to physically visit each provider's local office to do your comparison. You can now compare auto insurance providers online through one venue. Many sites offer free online quote comparison, and there's no obligation to purchase the insurance once you receive your quotes.

How to Compare

The first step is to find a reliable comparison site. Read the website's various pages explaining what is offered and the comparison process. Make sure the site offers comparisons for your state. Not all providers offer car insurance in every state. You'll need to do state-specific comparisons to narrow your search. Also, be sure the company offers adequate information in each quote so you can make an informed decision. You'll have to fill out a form stating your general information, automobile type and year, possible discount qualifications, etc. This information helps providers give you an accurate quote. But keep in mind that the actual price might still be higher or lower as you investigate several providers further.

Types of Coverage and Pricing

The types of coverage you select can make a huge difference in quotes. When comparing for cheap car insurance, you'll want to select the coverage you need, but avoid add-ons if possible. These include towing and comprehensive. Comprehensive can come in handy if you live in a high crime area or if you live in an area that's susceptible to inclement weather. This means if your car is at risk of being stolen because of where you live or if your area has frequent hail and wind storms, comprehensive coverage might be worth the added investment!

The two main types of coverage are liability and collision. Liability is required by all states, and the amount of liability needed is dictated by the state. This means everyone must purchase liability coverage....no matter how new or old their vehicle. This covers damages to the other person's vehicle or bodily injuries if you are found at fault in an accident. A few states have adopted a no-fault policy, meaning each individual is responsible for his/her own liability no matter who's at fault. Liability coverage is still required in these states.

Since liability is a must, this will be your starting ground with all providers when seeking quotes. Collision is not required by states, but may be required by your lender if you are still making payments on your automobile. Collision covers repairs or the replacement of your vehicle if you are at fault in an accident, or if you are involved in a one-car accident for any reason. The amount of collision coverage you purchase is entirely up to you. Consider the value of your car and how much you still owe the bank (plus interest). This will give you a dollar figure to go by when purchasing collision coverage.

Deductibles

Another way to obtain cheap car insurance is to raise your deductible. Insurers will often lower your premium if you agree to accept some of the financial burden of repairs. This means if you select a deductible of $1,000, you'll pay for the repairs as long as they don't exceed this amount. After they reach $1,000, the insurance policy kicks in and covers the rest. High deductibles are mutually beneficial because you assume some of the risk while also enjoying the benefits of lower premiums.

Finding cheap insurance online involves many other factors, but these are the basics. Use a free site to compare cheap car insurance providers today. You might be surprised at the savings you have been missing out on all along!

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