Friday, March 5, 2010

Best Places to Compare Car Insurance Rates


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The traditional way to compare car insure rates is to call or visit local insurance agencies and have them run a quote for you. However, this method is time-consuming and tedious, as you have to give different agents the same information multiple times. Wouldn't it be nice to just have one place where you could give your insurance information one time and get several quotes to compare?

Well guess what? This place does exist, no farther away than your computer. It's called an insurance comparison website and it makes it easy for you to save both money and time when it comes to buying or renewing auto insurance.

Insurance Comparison Websites Save You Money

Rates from different insurance companies can vary by hundreds of dollars. This is why it's important to shop rates. Insurance comparison websites let you get quotes from multiple companies quickly and easily, so you know you're getting the best rate possible.

Insurance Comparison Websites Save You Time

Think of all the time you could spend visiting or calling different agencies to get quotes? Comparison websites save you that time. All you have to do is type in your insurance information one time with:

* Your car's make and model

* Your car's safety and security features

* The amount of coverage you want

* The deductible amount you want

* Your driving record

The best comparison websites even have insurance professionals available to talk with you. This means that you can get quick answers to any questions you may have, plus get advice on how to lower your rate.

After you submit your insurance information, you just sit back and wait for the quotes from multiple companies to arrive. Once you have the quotes, you can look them over and choose the company with the best policy and price for you.

Ready to try the best place to compare car insurance rates? Just click the link below to go to an insurance comparison website now.

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How To Compare Low Cost Car Insurance In Indiana


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Without a doubt the best way to find low cost car insurance in Indiana is to compare rates. This means contacting several different insurance companies and asking for a quote for your specific insurance needs. If you are unsure of what exactly you need in terms of car insurance coverage consider that the minimum liability insurance required by law in Indiana isn't always adequate.

The minimum is $25,000 bodily injury coverage per person, per accident as well as $50,000 for all people who may be injured as the result of an accident you caused. In terms of property damage, the limit is only $10,000, which obviously wouldn't be adequate should you cause an accident where a late model vehicle was a write-off.

When you call various insurance companies to compare rates, you'll want to have a good idea of what limits of coverage you are comfortable with. In addition, you want to map out any additional coverage you feel is warranted. The different types of coverage in the state of Indiana are:

oMedical coverage. This provides coverage for the driver as well as anyone else in the car that may be injured after an accident.

oComprehensive. This type of car insurance typically provides coverage for items such as glass, repairs that are the result of a hailstorm, theft or a fire. You'll have to choose a deductible for this coverage. It's always good to settle on a higher deductible, as this will keep your premiums lower.

oCollision. Collision coverage also has a deductible. It provides coverage if you are in an accident. Again, the higher the deductible, the lower the premium will be.

When you contact different insurance companies always specify the same type of coverage for each. Each company will typically have several different levels of coverage to choose from, so pick one that is similar to others you have received quotes for. When comparing costs consider the bottom line price of each policy but also take into consideration the reputation of each insurer. You want a good deal but you also want a company that will serve your needs well.

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Thursday, March 4, 2010

Car Insurance Tips - Compare Rates


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What Can Affect Your Rate?

It doesn't matter what type of insurance you plan to attain, your going to have to consider the many factors that can affect your rate. A large factor that determines your rate is your location. Some locations file more claims than others, and insurance companies are well aware of this. This rule applies to any type of insurance, including car, health, or even pets!

Another factor is your personal claim history. This is a huge factor and many people are affected by it. For example, someone who has a few accidents on their driving record, recent or not, will usually have a much harder time finding a good rate on their car insurance. If they are at a large risk they may have a hard time finding a company to insure them at all! People looking to lower their car insurance rates have many options available to them. Car insurance companies like to see individuals who have graduated from some type of driving school. They also like to see the purchase of a safe car, with airbags, seat belts, and anti-theft devices.

Always Compare Insurance Rates!

The best thing you can do that can affect your insurance rate to choose your insurance company wisely. Not all companies are created equal, and some are much more expensive than others. Each company has it's own system of determining risk factors and therefore your overall price. Companies also have different packages to choose from, with different levels of coverage. Be sure to let your insurance company know what needs you require to find out which plan works best for you and your situation. Shopping around for rates is by far the best way you can get the best rate, so get out there and take notes so you can jot down the pros and cons of each company. Only then will you be able to make the best decision for you and your needs.

An easy way to compare insurance companies is online. Major insurance companies usually have a website that give you free online quotes. It can be as simple as entering in your name, your social, and a few personal questions. Usually you will get an estimate immediately. Eventually you will get a call from a qualified agent who has reviewed your information and can give you a more exact estimate. This is a great way to compare rates. You don't need to travel, you can compare rates in your underwear and insurance companies will be competing for your business. You can't be that!

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Drivers Urged to Compare Car Insurance


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A leading comparison sight has revealed that Fuel Off setting helps to reduce motoring costs.

Fuel Off setting is when you shop around for your car insurance in order to reduce your motoring costs. This could help cancel out the increase in petrol prices that has been seen over the last 12 months for the average driver.

The comparison site's figures show that the average petrol car driver is £196 worse off since the increases in the price of fuel. However, the site explained that by looking around to compare car insurance prices, they could save around £222.

Unfortunately, diesel car drivers will have a harder time trying to save money as figures show that the average diesel driver is £233 worse off. In June last year, diesel prices were on a par with petrol prices, around 97p a litre and in less than a year, in May 2008, the average petrol price was £1.12 and the average diesel price was £1.24.

The comparison site has said that by searching an insurance comparison site for your car insurance, you could gain back the money that you've lost as a result of the fuel increases.

The site also advised that, whilst it is possible to save 5p a litre on your petrol each time you fill up, this will not off-set the fuel cost by doing this and it is also a lot more time consuming than spending a few minutes on an insurance comparison site searching for a cheaper quote. By doing this you will also be able to see immediately whether or not your new cover will match your existing cover, because getting cheap motor insurance doesn't have to mean cutting corners.

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