In the insurance industry, prices vary widely from company to company. It is recommended that you shop around and compare quotes to get the best rates. You can get car online insurance quotes from many different places online. Your state department of insurance website may also be a good source of information.
Check the Financial Stability of the Insurer
Before choosing a car online insurance company, you want to make sure they are financially stable. An insurance company should have the financial stability to be able to pay out a claim if you get into an accident. ambest.com and standardandpoors.com are 2 places online where you can find financial ratings of insurers.
Compare Insurance Costs of Different Makes and Models
Some cars cost more to insure than others. Cars that cost more to repair have higher insurance costs. A vehicles safety rating is also a factor in its insurance cost. Cars that get stolen more often hcarry higher insurance premiums as well. The Insurance Institute for Highway Safety at www.iihs.org has more information.
Get Higher Deductibles
A deductible is the amount of money you agree to pay per accident before the insurance coverage kicks in. Raising your deductibles dramatically decreases your insurance premiums. Raising your deductible from $100 to $500 can lower your collision and comprehensive premium by up to 30%. You may want to consider putting that cost savings into a savings account in case you need it to cover the cost of repairs in case of an accident.
Consider Dropping Comprehensive and Collision Insurance on Older Cars
If your car gets totaled ina an accident, your insurer will not cover more than your car is worth for collision or comprehensive. If your car value does not exceed 1 years worth of collision and comprehensive premiums, it may not be cost effective to carry the insurance. You can find out the value of your car at edmunds.com, kbb.com, or nadaguides.com
Car Online Insurance Discounts
When you are shopping for car online insurance, inquire about discounts for the following list of items. Not all insurance companies offer these discounts. These discounts should be factored into your car online insurance quote.
Multiple Policy Discounts
Many insurance companies will give you a discount if you have more than one insurance policy with them. If you own a home or another vehicle, see how much of a discount you can get by insuring your home and your vehicles with the same company.
Safe Driver Discounts
If you are a safe driver and you have not been in an accident or had a moving violation within the last 3 years, many insurers will discount your premium.
Good Credit Discount
More and more insurers are using credit reports as a way of determining insurance pricing. There is no definite explanation as to why this is so. Good credit means better insurance rates. Check your credit report and make sure there are no errors or inaccuracies that may lower your credit score.
Low Mileage Discounts
If you have a short commute to work or if you telecommute, you may be eligible for a low mileage discount on your car insurance.
Group Discounts
Some employers and labor unions are able to get group discounts on car insurance and other types of insurance for their employees or members. AARP and AAA have discount car insurance plans for members. Check with any professional groups or organizations that you belong to see if they have group discount insurance plans for their members.
Safety Devices
Having safety devices such as anti-lock brakes, air bags, and automatic seatbelts can also lower your insurance premiums.
Anti-Theft Devices
Anti-theft devices such as alarm systems, lo-jack, and systems that disable the engine can give you some savings on your car insurance policy.
Defensive Driving Course
You can get reduced insurance rates if you or any members of your household complete a defensive driving course.
There may be other discounts offered by your insurance company that are not listed here. Be sure to ask the insurer or insurance agent what other things that you can do that may lower your premium payments.
t.mc2006
September 23, 2009 at 9:12 am
Good Sam through Trailer Life magazine. Pick up a copy for details
GEE2006
September 23, 2009 at 9:59 am
I think it has given some people a guideline about what's available.
People buy from agents they trust and can answer their questions.
Ambervisions
September 23, 2009 at 1:32 pm
I'm going to give you advice against your specific request, but only because I've seen what "the cheapest insurance" will do to your stepson and anyone involved in an accident he may get into.
I'm going to recommend you either place him on the same insurance you are on, because you will get a multicar or multi-driver discount, and because you ideally have a good history with your insurer so they will treat your stepson a bit better.
The cheapo companies will drop him the instant a bug hits the windshield and will guarantee a protracted legal battle if he gets into an accident if he ever wants to see his money or his car again.
I've been with State Farm for 13 years, and I've been through several accidents on both sides of the bender. They're pricier, but they've always treated me very well. The right company makes all the difference…..
Good luck.
PS.. He may get additional discounts on insurance with any carrier if he takes a driver's ed class, and if he gets good grades in school.
Jeff F
September 24, 2009 at 7:44 am
There are many places to get an on-line quote. Here is another: http://www.yourhealthplanadvisor.com/ooshealth.html and I'm sure if you do an internet search you'll find many more.
You can get an idea of costs on-line, but there are hundreds of plans available and how do you know if you've choosen the best one for your situation? It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy, cause you to be declined, or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process which is a big waste of time. You should contact a local independent agent who can work with you to find the best policy and will weed out the plans that won't accept you because of any health condition or will not cover you to your expectations. The plans and premiums are no different using an agent.
rhea
September 24, 2009 at 10:27 am
This site can help you to compare many health insurance companies at your state
http://top-usa-health-insurance-comparator.blogspot.com/
Hope this help,
Apple Sauce Stevens
September 24, 2009 at 10:40 am
I go through Geico. They have decent rates and you can always change it later if you find a better deal.
J
September 24, 2009 at 10:57 pm
http://www.esurance.com.. http://www.thegeneral.com
amagyne83
September 25, 2009 at 10:12 am
First, you need a license. You need a license to sell insurance, in whichever state someone wants to buy it. If you want to sell in all 50 states, you need to get LICENSED in all 50 states. It's a PITB to do it.
Then, you have to line up companies. Not all companies do business in all states. It will be almost impossible to get appointed to a company, if you don't have an existing "book of business" you can give them. With no experience, well, that's just ANOTHER major strike against you.
Most states require that if you're selling insurance, you ALSO have to maintain an office premises, with normal business hours, so you have a physical presence in that state.
I'd say, it's a mediocre idea at best, considering the type of clientele you'll get – don't ask me to explain, it's obvious to people with experience in the business. And it will be difficult to implement.
Gotha
September 26, 2009 at 4:33 am
We have so many site for online insurance shopping…It is the fastest way to find out which companies are reliable and the fastest way to pay the online insurance…In this modern world online insurance had great advantages and we can easily pay the amount…Insurance is the best way to protect the people…