Car Insurance Quote Tips

[advice12]

Do some research - Try to find some brokers who specialise in policies appropriate to your age, gender, make of car or occupation. One example might be the NFU [National Farmers Union] who do car insurance specially for farmers and give very competitive quotes. If you know someone who's got a similar car or occupation to yours, why not simply ask then who insures them? - Chat forums, owners club magazines and garages are all good sources of this kind of anecdotal information.

Be aware - those companies who can afford to do the highest profile advertising are probably not the cheapest!

Get on the phone - Once you've got some companies in mind, get on the phone - Car insurance brokers [3rd parties who are simply giving you a quote and not actually 'underwriting' your policy] often change who supplies their policies and just because they might have given you the best insurance quote in the past does NOT necessarily mean they're actually in a position to give you a competitive quote this time round.

Never take the first quote - The first quotes you'll get back for your car are likely to be on the high side - insurance companies capitalise on the fact that until you've received a few quotes you won't know what's actually a realistic quote - Never take the first quote you get, no matter how competitive it might seem!

[christopherp552]

Get quotes from different car insurance companies so you can choose the best deals. Remember that the cheapest rates are not always the best deals -- consider the reputation of the company as well as the following factors:
1. customer support
2. financial stability
3. is the company recognized in the state you are in?

[sanvister]

To find the right auto insurance, start by figuring out the amount of coverage you need. This varies from state to state. So take a moment to find out what coverage is required where you live. Make a list of the different types of coverage and then return for the next step. Before you begin shopping for insurance you should check the following: the status of your driving record, your current coverage and the premiums you are paying.

You should know how many tickets you have had recently. But time plays tricks and our memories repress painful incidents. If you can't remember how long that speeding ticket has been on your record, check with your state's DMV. If your record will soon improve, and the points you earned will finally disappear, wait until that happens before you get quotes.

[dallas47]

Hello All,

Searching for auto insurance quotes online can seem like something of a minefield. And as any driver knows, there are many things that auto insurance companies take into consideration when assessing how much your premiums might be.

Some of the main considerations related to auto insurance quotes are:

1 - The age of driver.

2 - The sex of the driver.

3 - The make and model of the vehicle and its popularity.

4 - The size of the vehicle's engine (horsepower).

5 - If modifications have been made to a vehicle then auto insurance quotes may vary in price, due to the higher risk of vandalism and theft.

6 - The number of years the driver has held a full license for will have a bearing on how an auto insurance quote is calculated.

7 - The driver's previous driving history, if he or she has convictions, this will affect the auto insurance quote.

8 - Where the driver stores the vehicle is also another aspect that is taken into account when auto insurance quotes are worked out. Drivers who store vehicles in secure lock-ups like garages or other storage facilities may well be awarded a reduction in premium.

9 - Age of the car is also a relevant point when auto insurance policies are being processed. Older cars are reputedly more at risk from theft as they are easier to break into than newer cars. In contrast, newer cars, while thy might be more securely protected, are often subjected to more petty theft and damage such as the removal of external components.

Keep Sharing!

[autoinsurance1]

Hi to all i am new here, i just found this forum in google search and i am happy to be a part of this forum.

[Steve Ligor]

Research, research, research. Whomever you decide to consult, be prepared. While they may have the expertise, that doesn't mean you have to go in unarmed. Read up on quote comparisons and insurances rates as much as possible before making a commitment.

-Steve Ligor

[Fabok]

Here are more tips
-You must get a quote for the model of your car. Quotes will depend on the model of the vehicle.
-Get quotes from several companies before going for purchase.
-Consider higher deductible. A deductible is the amount you pay from your pocket before your insurance will pay should you have a claim.
-- Avoid traffic tickets, your insurance premium may increase substantially as a result.

[Michel Jhon]

The first one, have you tried confused.com or more than, I have a Honda Civic type R on a 57 plate, more than insurance is just £278 per year, that includes roadside help, legal cover, windscreen & protected no claims.

[ceto]

Originally Posted by dallas47

Hello All,

Searching for auto insurance quotes online can seem like something of a minefield. And as any driver knows, there are many things that auto insurance companies take into consideration when assessing how much your premiums might be.

Some of the main considerations related to auto insurance quotes are:

1 - The age of driver.

2 - The sex of the driver.

3 - The make and model of the vehicle and its popularity.

4 - The size of the vehicle's engine (horsepower).

5 - If modifications have been made to a vehicle then auto insurance quotes may vary in price, due to the higher risk of vandalism and theft.

6 - The number of years the driver has held a full license for will have a bearing on how an auto insurance quote is calculated.

7 - The driver's previous driving history, if he or she has convictions, this will affect the auto insurance quote.

8 - Where the driver stores the vehicle is also another aspect that is taken into account when auto insurance quotes are worked out. Drivers who store vehicles in secure lock-ups like garages or other storage facilities may well be awarded a reduction in premium.

9 - Age of the car is also a relevant point when auto insurance policies are being processed. Older cars are reputedly more at risk from theft as they are easier to break into than newer cars. In contrast, newer cars, while thy might be more securely protected, are often subjected to more petty theft and damage such as the removal of external components.

Keep Sharing!

this is a very good response but the sex of the driver I think is irrelevant

[robot2235]

I am an international student in US and I am going to buy a car. However, I don't know which insurance company has car insurance for international student. Can anyone tell me some information about it, such as the name of the company or how much it costs?