last time i got car insurance, i went to a broker type place, there, the guy used a website to find me the cheapest car insurance, do any of you know which website this is?

The broker probably had a proprietary website that he pays for to do comparisons.

There is no ONE insurance company that is right for everyone – everyone is rated individually – and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate – and a QUOTE is ONLY a quote until the policy is issued.

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent or broker. Don’t go across town, or to some other city – look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I’m sure that when you do, you will find some impersonal computer user with a script to work from and you won’t be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!


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I’ve heard that everytime you apply for a credit card, get insurance quotes, etc. your credit score gets lowered.

No it does not. While insurance companies do look at a persons credit now to help set rates, this is a soft pull and has no affect on your credit score.

I’ve had good info about it here:

http://autoinsurance.hotusa.org

Hope that helps.


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Local Car Insurance Quote

August 6, 2009

http://localcarinsurancequote.com
cheap local car insurance quote, best local car insurance quote, free local car insurance quote

Duration : 32 sec

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{ 0 comments }

When you start looking for car insurance the first thing to crop up is a lot of confusion while selecting the insurance company. Although all of them promise for the cheapest car insurance it would be wise if you take your time and decide for the best. There are lot many factors which decide the rate for your insurance premium. Consider all the factors before rushing to any decision to finally save your money.

Finding the cheapest car insurance with the specified cover by the law is never easy. The factors you need to consider to have a really cheap car insurance premium are the discounts which you are entitled to. While insuring the car there are many factors which ensure you of the discounts. Simply the features like Anti-theft Devices, Airbags, Anti-Lock Brakes, Automatic Seat Belts, Window Etching, Multiple Car Discount, Multiple Policy Discount etc., enable the owner to have a lesser premium on the car and thus save money. With the growing competition in the business the insurance companies have come out with different cost saving plans which also saves you form spending some extra bucks.

When you start searching for the company which can offer you a cheap insurance quote find out the information like financial strength, claim handling time for the company. I would suggest you to be sure of the company first before short listing it. In the internet era you can find many sites wherein you can have the cheapest and free car insurance quotes. These sites provide you with a selection of many companies at one place so that you can get the quotes from as many as 50 companies at a time. This saves you a lot of time and hassles of running from pillar to post in search of a cheap car insurance quote. You can be sure of the comparative quotes offered by the companies online.

Another way of making yourself sure of the money you are paying to your insurance company is to understand the lingo or jargons involved in the insurance business. You can read the articles published in the journals or can visit various sites for this information. Once you understand the language of the business it gives you an edge while interacting with the agent thus improving the scope of proper negotiation.

There are many websites providing you with the cheap Car Insurance Quotes. Some of the recommended sites are carinsurance.com, geico.com, lucentnetcare.com, insureme.com, insurance.com, admiral.com, esure.com, easycover.com, etc. You can register for free on these website to find out the cheapest car insurance quote on offer.

Hope you find out the best deal in car insurance quotes. This is all for now. Bye and regards.

Jayesh Bagde

www.carinsurance-quotes.biz

David Urmann
http://www.articlesbase.com/business-articles/see-for-the-cheap-car-insurance-quotes-carinsurancequotesbiz-86604.html


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I’m trying to get auto and renter’s insurance and I do not understand why my credit score is brought down because of this. Can’t they tell I’m not our trying to get several credit cards or lines of credit or loans? How can this be dealt with and changed or stopped? If this is going to happen, how will my credit look in two years when I am ready to buy a newer vehicle?

When someone runs your credit, you lose 4 points from the agency they use. When several people pull your credit within a set number of days, it is assumed that you are shopping and you lose only 1 point for each search after the first one. So if, in one day, 6 companies pull your credit from Equifax, you will lose 9 points from your Equifax score.


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{ 5 comments }

Car Insurance

August 4, 2009

You two better have a good car insurance company.

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Cheap auto insurance quotes: Do your utmost to always drive responsibly. It's a good decision to NOT drive at all if you've taken alcohol (even if it's just a sip). Traffic offences that are ociated to drinking invariably make you attract unbearable rates. While alcohol-related traffic offences have very clear and serious repercussions, speeding tickets will also make you pay much more if you accumulate them. You'll be helping yourself if you obey all traffic laws always.

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How is it that cars with bigger engines are much more expensive to insure? Surely a 1.0 litre car and a 2.5 V6 car both travelling at 70MPH for example will cause the same amount of damage (albeit the car that weighs more may have more momentum).

I can’t seem to work out the other side of this arguement. Is there anyone who could explain the difference please?

Thank You!

10 points for best answer.

A bigger engine, means the car can go faster. A faster car does more damage on impact than a slower car. More damage equals higher claims.

Also, cars that are advertised as "fast", tend to be used/purchased more by people who tend to speed, thus having accidents with higher claims damages.

Lastly, the raw data shows that cars with bigger engines, on the whole, have higher/more frequent claims payouts than cars with smaller engines. And it’s the last bit that REALLY counts. Why do 16 year olds have higher claims payout? It doesn’t matter – they do, so their rates are higher. Why do 8 cyl. engines have higher claims payout? It doesn’t matter – they do, so their rates are higher.


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Now when you have decided to get the car insurance, take your time to get the quotes and check out the best you can have. A magnitude of companies provide you with free car insurance quotes but there are some factors which you need to understand and take care of before starting to make the call or filling the form.

Check out with the financial strength of the insurance company and the time they take to complete the claims. You can search for the relevant information on the website and also by reading the reviews. Also verify the types of coverages offered by the company and the coverage required by the law of your state. Another important factor is the discounts you are entitled for and those which are offered by the insurance company. When you start looking for insurance quotes a typical problem which you may encounter is the lingo or the complex terminology in this business. The solution is to understand the jargons by learning about them (many websites provide you with this information).

Before making calls or filling up the forms gather all the information you will need to get the free quote. Information like drivers license, vehicle registration no., vehicle model and make and discountable features in your vehicle like Anti-theft Devices, Airbags, Anti-Lock Brakes, Automatic Seat Belts, Window Etching, Multiple Car Discount, Multiple Policy Discount etc. Once you are ready with the information it is time to check out the free insurance quotes.

There are many insurance companies which can offer you a free insurance quote. What you need to do is to contact the agent of the particular company. Getting the insurance quote over the phone can be time consuming as well as tedious. Instead try for free walk in Car Insurance Quotes. The other way is to visit the websites and get a free car insurance quote. There are many websites which offer free car insurance quotes and the best part is you can get the free online quotes from various insurance companies at once. No need to contact them individually. These sites may help you to find the most discounted insurance quote and that too free. Some recommended websites offering the services are carinsurance.com, geico.com, lucentnetcare.com, insureme.com, insurance.com, etc.

Getting the free insurance quotes online is the most hassle free experience you will have. So get going for your free car insurance quote. This is all for now, bye and regards.

Jayesh Bagde

www.carinsurance-quotes.biz

David Urmann
http://www.articlesbase.com/business-articles/see-for-the-free-car-insurance-quotes-carinsurancequotesbiz-86602.html


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I’d prefer to not call all the companies. Is there a way I can find local car insurance companies easily?

Assuming you’re in the USA;

http://www.AutoInsureUSA.info is a great resource. It is a simple Zip Code Submit Form. Once you submit your Zip Code, you will be presented with a list of Car Insurance companies available in your area


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