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Things That Are Not Covered In Cheap Auto Insurance Collision Policies?

Some consumers who have auto insurance mistakenly think that certain things are covered under their policy but are really not. Having cheap car insurance sometimes means that not everything that you think will be covered. If you have not read through the specifics of your policy or are confused as to what certain terms mean, now is the time to figure out what is covered and what is not. It is important to know in the start than to question later on when it is too late.

Most of us have the minimal auto insurance that is required by law. Compulsory auto insurance laws are being imposed in almost every state. Collision insurance covers the individual in the case of an accident where you sustain property damage or bodily injury. Unfortunately, there are many things that are not included in that coverage. Taking a good look at what your insurance covers and what it doesn’t can be a real eye opener.

AutoInsuranceCollision insurance in most cases will not cover any damage that is not a result of an accident. That means that if you should have damage that is not related to an accident such as flooding, fire, theft or vandalism, it is not coverable through your policy. These things are being covered through a separate policy called comprehensive coverage.

To have many things covered when you get a less expensive policy, you may need to add additional policies. Sounds crazy, but getting auto insurance is like ordering food a la carte. You think that it should just come with the price of collision insurance but it does not. Sometimes, it takes investing in something like comprehensive coverage to get all the extras that you assume is covered.

If you should have an accident where your car is either in need of extensive repair or needs to be replaced all together, you will most likely need a rental car. Under most policies, the cost of a rental car is not included in the collision insurance. You must take out a separate policy to have it covered. There are additional riders that you can add to your policy that will pick up the additional cost if you should need a rental in the interim.

Another thing that may not be covered includes being hit by an uninsured driver. If you are hit by someone who does not have insurance, then your insurance will pick up the cost but only after a deductible is met. The deductible, in some cases can be substantial. Adding coverage for uninsured drivers is something that you may want to consider.

You may assume that if you are in a car accident and your car is severely damaged to the point where it should need to be replaced, the things within the car are covered under collision insurance. The fact is that although the car itself is covered, the things inside the car are not. Meaning, all those expensive things that we carry like smart phones or laptops will not be covered in the price to replace which leaves you to pick up the additional expense. In order to have the things in your car covered, you need to take out a separate “personal property” policy to insure the contents of the car.

If your car should be involved in a car crash, there may be a difference between what the car is worth and what you owe on the car. The difference to pay off the amount of the loan will be your responsibility. When you drive a new car off of the lot, you are already losing money. The amount of the loan on a new car or leased car does not increase but the equity of what it is worth does. That means that if you should need to replace the car in an accident, the cost of the amount you owe may be greater than what the auto insurance company will give to you. You can take out an additional policy called a “loan/lease” which will cover you if this should happen. Although it is not recommended if you have an older car, it is worth it for a car you owe money on.

Another expense that you might wrongly assume is covered under your policy is tow insurance. There is an additional fee that you can add to get tow insurance included in your policy and it is very affordable. It is something that you may want to consider adding. Being stranded in a strange place can not only be scary but it is costly without an insurance to cover your car if anything should happen to it.

These are all things that you probably assume included in your current coverage but are really not. Taking a second look at your policy specifications is always a good idea. Most importantly, comparison shopping for the best coverage at the lowest price is always a good idea to save some money. Input your zip code into the box provided to receive your free rate quote. Insuring that you are getting the best rate for the best insurance is as easy as filling out the information. Don’t waste another day overpaying on your auto insurance premium. Finding cheap auto insurance is a good deal but making sure that coverage covers all that you need is even more important.

How To Add Your Car To Your Low Cost Auto Insurance Policy?

Figuring out how to manage your auto insurance is yet another maze of life that we have to find our way through. Knowing the right steps to take to be compliant within the law can be confusing. Finding low cost auto insurance will depend on looking in the right place and having the correct coverage and minimums required. There was a time when adding a driver or a car was a major ordeal. Doing so meant that you had to wait until your insurance agent had office hours to make any changes. Although you may miss the personal touch that you got with your agent, the convenience of being able to manage your own account may be well worth the sacrifice.

Usually, you purchased your insurance through a big name carrier. It was usually someone who was well established and maintained a store front in your neighborhood. Your insurance agent was more like your friend than a business associate. Today, many store front operations in auto insurance have closed their doors and have seen the benefit of operating solely online or from satellite storefronts located in the big cities. It has made major changes to the way that you are able to manage your account which includes adding or changing your information.

If you purchased a car over the weekend, you used to have to notify your agent through a phone call. However, that was a risky endeavor. If they did not operate on the weekends, you had to leave a message on their machine about any additions that you were making. That did not make the average consumer very confident that coverage would be upheld if an accident should occur in the meantime. That left many people stranded for days waiting for verification that either a driver or a car had been added. Today, you are able to add cars or drivers directly to your insurance account online. Even the agencies who still operate out of storefronts in your neighborhood have updated their system to give you greater flexibility to add information after hours or on the weekends. That is a great convenience for most of us who have to take care of our personal matters on our own personal time.

The very first step you should take is to make sure you are registered online for your auto insurance. Once you registered, you will be able to access your information at any time. If your current insurer does not provide account access via internet, you should think about switching. With most insurance companies, you will be able to log in, change the information immediately, and feel secure that the changes will cover you and take effect immediately.

Checking to make sure you are getting the best of account convenience, customer service and the lowest rate possible is as easy as entering your zip code now. Simply scroll to the top of the page and input your zip code into the box. Within moments, you will receive your free rate quote to get started on comparing your existing rate and finding the lowest now. Getting the very best in low cost car insurance is the best way to protect yourself on your own time, anytime.

What Is Auto Insurance Cost For Minimum Requirements All About?

Insurance overall is a confusing thing. There are so many stipulations and exceptions, limitations and liabilities that it seems like a game of semantics more than anything else. If you are trying to decrease your auto insurance cost per month, you may be able to make changes to your policy. There are minimum requirements that must be completed within the state you live. The minimums are easy to find if you know where to look.

 Each state has its own specific minimum requirements for auto insurance. Almost every state has a compulsory auto insurance law. If they don’t have an auto insurance law, they have other provisions for coverage. In Mississippi and New Hampshire, although coverage is not mandated, you must post a bond with the state to be compliant with the law. The bond is used in the event that an accident should happen. Other states have compulsory auto insurance laws which dictate the minimum insurance coverage that one needs to have to drive a vehicle. Collision insurance is the most common type of auto insurance that is required. Collision insurance is coverage for any physical damage or bodily harm resulting from an auto accident. The amount of coverage needed is dependent on the state law.

To stay complaint with your states law, you must know exactly what the laws are. Finding out is as easy as doing a Google search on the internet. The DMV is a good resource for a listing of what a person is mandated to carry to drive. Each state has their own department of motor vehicle website that outlines the specifics of the minimum requirements of that state. There is an easier way to get the minimum requirements coverage that you need.

Auto insurance carriers are expert at knowing the laws of each state and what is required. If you are looking to obtain coverage, all you need to do is input your zip code either into an auto insurance website or into a comparison website to get all the information that you will need. The quote that will result is coverage for the minimum of the state for which you reside. If you choose to increase your minimum or to add options to your basic policy, you are free to do so. Although there is a minimum that is required, if you should be in an accident whereby the physical damages or bodily injury exceed the amount of your coverage, the rest may be your responsibility. It is always best to make sure that the amount is something that you feel personally satisfied with.

Making sure you are compliant with the laws of your state is as easy as going to the top of this page now and entering your zip code. In minutes, you will receive a free rate quote that will have the amount you will need to be compliant at the lowest price possible. Car insurance cost is the very last thing that any of us wants to pay for but finding auto insurance cost that is affordable may take the sting out of having to pay for it.

Is Cheap Auto Insurance Mandatory In Most States?

It may seem unfair, perhaps even unconstitutional that you are mandated to purchase auto insurance in order to operate a vehicle. Finding cheap auto insurance seems to be a misnomer, when you would like to have none at all. It seems wasteful to write that check every month especially when having insurance is not your will but that which is being imposed upon you. With the healthcare insurance debate raging in this country, mandatory insurance laws are getting a second look. The debate was settled long ago but considering the reasons is worth taking another look.

 The idea of compulsory auto insurance laws has been around as long as cars have. Even one hundred years ago, people recognized that when you get behind the wheel of a car, the potential for damage and bodily harm is inevitable. They also realized the costs not only to the individual but to everyone in the society.

CheapCarInsuranceWhen you don’t carry auto insurance, which then pays when an accident occurs? It depends on who is at fault. However, if they don’t have the means to pay for the damage, the responsibility falls onto the state most especially the tax payers. Prior to the enactment of the laws, there were people who chose to insure themselves and those who chose not to. Unfortunately, those who chose not to will cost the entire public more money and severely drove up the price for those who were being responsible enough to pay for the coverage. Seeing the public health and financial disaster that auto accidents were having on state governments, they decided that in order to drive, one must have the proper insurance. Not only to cover themselves but for the protection of those around them.

The states, in an attempt to cover the cost of auto incidents, made only collision insurance mandatory. Collision insurance is coverage that will take affect for any physical damage or bodily injury. Although each state sets the minimum limit for their liability coverage, the policy itself is mandatory in almost all of them. Other part of auto insurance coverage is not mandatory. Those things that cause damage from other occurrences outside of an accident that affect an individual remain optional.

The reasoning behind the policy is that driving a car is not a right but a privilege. Since you need to take steps to operate a motor vehicle like obtaining a drivers license, you can be imposed upon to carry certain assurances like coverage if you injure someone else. The cost to the state since enactment has been decreased reasonably. Although many people still feel it is an infringement upon their rights, the fact remains that no one is forcing them to operate a motor vehicle.

Other modes of transportation still exist if they chose not to obtain a drivers license. To see if you are getting the best coverage at the lowest price possible, scroll to the top of the page and get a free price quote and see how your existing policy matches up against others. Get the information you needs and get the best price possible for your insurance needs. Purchasing cheap car insurance is possible, you just have to know how and where to look.

What Are The Things Covered By An Online Auto Insurance?

Having the minimal auto insurance is required by law to drive a car in most states. Shopping for online auto insurance is the best way to get the most inexpensive auto insurance on the market but also to insure that you remain compliant with the compulsory auto laws. Compulsory auto laws are those that were enacted for minimum car insurance coverage. It involves collision insurance. Collision insurance is coverage that pertains to physical damage as well as bodily injury that occurs in an accident. Being compliant means that you not only carry the proper insurance but you have the minimum liability coverage required.

Each state sets their own auto insurance laws and the minimum coverage limits. Collision insurance can be presented in two different ways. Either way, you can have a combined liability policy or a split liability policy. A combined liability policy is one where physical damage and bodily injury are both under the same policy. A split policy means that there are two separate policies one for physical damage and another for bodily injury. Insurance can be very confusing, making sure you are completely covered is not always straight-forward and leaves the average consumer with many questions about their own coverage, or that of their family members.

There are times when there is a need for others to drive your car. When a friend or family member gets behind the wheel of your car, you may be wondering whether they are covered by your insurance. Likewise, if you chose to step behind the wheel of someone else’s car, are you covered through their insurance?

The general rule is that if a car is insured through its owner, anyone who gets behind the wheel of the car, who has a valid driver’s license, is covered on the car insurance. That means if someone drives your car, and has a driver’s license, they would be covered in the same manner as you are. In turn, if you drive another’s car, you are covered under their policy. It is imperative, however, if you step behind the wheel of someone else’s car that you know for sure that they have insurance on it. Although you trust your friends, making sure to have a copy of the insurance is a good idea, just for your own security. Finding out that they let the policy lapse, or it is not current is not something that you want to do.

The only exception to the rule is when a family member or someone who lives at the same residence as you drives the car. If they reside in the same place, they must be added as a driver to the insurance to be covered under your insurance. If they are not personally named under your policy, they will not be covered should anything happen. If you are worried about getting the best price possible on your auto insurance or that you are compliant within the laws of your state.

Take the time now to scroll to the top of the page and input your zip code within the box. In minutes, you will receive a free rate quote that will not only insure you are compliant within the law but that you are paying the lowest price possible for your auto insurance needs. Being able to add family members through your online auto insurance is the best way to keep your coverage current and the driver’s protected.

The Right Auto Insurance Laws For Auto Insurance

There are cases when you will find yourself borrowing someone else’s car or driving someone else’s vehicle. If you are wondering what the auto insurance laws about when you are driving a vehicle which is not yours, the best way to answer it is to contact the insurance carriers. Contacting both yours and the vehicle owner’s directly will be the best way to make sure you are following the law. Although laws will vary from state to state, there are some general rules that seem to apply.

Almost every state has a mandatory auto insurance law. That means that to operate a motor vehicle in the state for which you live, you will need a certain minimum coverage. Most states require at the minimum that you have something called collision insurance. Collision insurance is insurance that will cover an individual in the case of an accident. It covers liability for physical damage and bodily injury. Each state has different limits to the liability and different minimum dollar amounts which must be covered. Just because you have the proper insurance coverage, don’t assume that another person does when you step behind the driver’s wheel.

In general, if you should be driving another individual’s vehicle and an accident occurs there are many factors that will play into which insurance carrier will cover the damage. If the other party is at fault, then their insurance carrier is liable for the damage whether it is your car or not. If you are found at fault then the responsibility falls upon the car or the drive— you. In most cases, the liability will fall onto the insurance of the car. That means that it will fall onto the owner of the vehicle. Their insurance carrier will be responsible for the damages resulting both physical and bodily. If there was no insurance on the car, then the responsibility will fall onto your insurance. If there are exclusions or exceptions built into the policy of the car being driven that specifically state that it will only cover those individuals named, however, the liability will fall solely on the driver.

If you are operating a vehicle that is used for commercial use, designated as commercial use only, then your personal policy will not cover the damages. If you use a commercial vehicle for business purposes, it is imperative then that you make sure the vehicle itself is carrying the appropriate amount of insurance to cover drivers other than those named.

It is always best to not make assumptions, especially when operating a motor vehicle. Just because you are responsible and covered for your own vehicle, does not mean that the friend who is willing to lend you his car is as well. Getting a copy of the insurance prior to driving it to make sure that it is current is always a good idea. Following up to make sure that there are no exclusions or exceptions to others not named on the policy driving the car, is an even better idea. Before worrying about what your friend or family member is doing with their insurance, make sure that yours is current and that you are getting the best deal.

Scroll up to the top of the page and input your zip code into the box. Within moments, you will receive a free rate quote allowing you to compare your existing rate to others available. Don’t waste another day overpaying for your auto insurance needs. Get the information to make the most informed choice possible. Each state will have its own auto insurance laws enacted before making any assumptions it is always best to do your research and keep yourself protected.

How Companies Calculate Auto Insurance Quotes

When making out your monthly bills, the things that you see no immediate benefit from are those that seem to make the greatest dent in our paychecks. Auto insurance is one of those necessary evils. Getting many auto insurance quotes from several different carriers is the best way to make sure you are getting the lowest price possible. Although it is hard to pay that bill every month, it is a law that you must stay compliant with.

Auto insurance is mandatory in almost every state. Collision insurance is the lowest minimum that is needed, which includes coverage for property damage or bodily injury. Although it seems random, the price that you are quoted, it is a very carefully calculated sum. The insurance carriers use formulas to calculate the amount of risk that insuring you and your family cost to them. Using factors, most that are completely out of your control, they come up with a cost benefit ratio to themselves. That is how they come up with the amount they charge to you on a monthly or installment basis. As those factors in your life change, so will your insurance premiums.

Your auto insurance costs can both increase and decrease dependent upon what changes in your life. The things that you cannot control for are those factors that are based on your demographic information. Auto insurance companies ask specific questions to plug into their equations. Things like age, gender, place you reside— are all taken into account. There are higher risk categories and lower ones. In general, the older you are, before the age of 65, the lower your insurance cost will be. After 65, the risk increases slightly and yearly. If you are a male, your risk is higher especially when you are in the younger age categories. The location you reside will affect your cost, specifically because the minimum requirements for insurance will change according to the states laws.

The other factors that are considered are those which you do have control over. Your driving record has a huge influence on the amount you will pay to be insured. A clean record can really save you over the course of a year so driving cautious and within the law is a good idea. Accidents and moving violations weigh heavily in your overall cost to insure. Most of the blemishes that you have on your record will cost you incrementally more and take a while to clear. The average moving violation will continue to affect your record for five to seven years. So, even though you have long since forgotten about your speeding ticket, the insurance carrier you chose has not. A DUI or a DWI will significantly change the amount of your premium, sometimes increasing it— triple. In some cases, it can make you uninsurable all together.

Other factors like your credit score will affect your risk rating. Those with better credit ratings are considered less risk than those who are delinquent. So, making sure to keep your credit clean is beneficial in many ways, including keeping your insurance costs low. If you are finding yourself in a high risk category because of your rating, building your rating will have a reflection on your overall payments.

The car that you choose to insure will greatly affect the price that you will pay. Overall, the more expensive car you drive, the more it will cost to insure. The equation takes into account the overall amount it will cost to fix a car if you should be in an accident. Other things that affect the price are the safety ratings of the car that you drive. The better ratings the car has, the lower your insurance will be. Buying an American car, may be less expensive to insure than a foreign car. It is usually less expensive to fix an American made car than an import because the parts are easier to get and cheaper overall. There are also some cars that are a bigger target for would be thieves. Some car makes and models are stolen more frequently than others, putting them into a higher risk category.

What you use your car for and the amount of time you spend driving can affect your premium. If you use your car for primarily business purposes, it will be cheaper than using it for just leisure. Making sure to let your carrier know when they are calculating the price can save you some money overall. The number of cars that you have on your policy will also drive the cost of your insurance. If you have a car that you only use, say part-time for leisure, asking when you are not using it to suspend it, or taking it off of your policy, can save you on your monthly cost.

Remember that it is an overall picture that drives up the cost of your auto insurance. It may seem to be a trivial number, one that your insurance company just comes up with. The process, however, to calculate how much risk you are placing on the company is a very involved process and has taken many years to perfect. Taking a frequent look at any changes that you may have had over time is a good idea. Sometimes, things in our lives change and the very last thought we have is to notify our insurance company. If you stay on top of those things that can lower your insurance rate, however, you can do a good job bringing down that much dreaded monthly bill.

The best way to make sure that you are getting the best price on your auto insurance is to comparison shop. By getting as many price quotes as you can, you can do a good job of getting the lowest price possible and insuring yourself the most appropriately. Scroll to the top of the page and input your zip code into the box to receive your free rate quote. Comparing how your existing rate measures up against others available is the best way to make an informed choice. Obtaining auto insurance quotes is as easy as the click of a mouse.

Auto Insurance Comparison: How To Find One Even When Denied

Auto insurance coverage is mandatory in almost all states in order for a person to operate a motor vehicle. Doing an auto insurance comparison is the best way to make sure that you not only are getting the coverage for the best price possible, but that you are getting the minimum mandatory coverage needed to stay compliant. It is not enough to just have a current driver’s license; you need to have the minimum car insurance coverage as defined by the state. If you have had specific blemishes on your driving record you may be having a hard time finding auto insurance coverage. There are things on your record which will make obtaining coverage difficult, if not impossible.

Although everyone assumes that you can get auto insurance, that is simply not the case. Having auto insurance like having a driver’s license is not a right, it is a privilege. If you have things in your past that make you undesirable to auto insurance companies, they have the right to deny your coverage all together.

Auto insurance companies have basic formulas to calculate the amount of risk that each customer will cost them. There are many factors that go into the calculation. Some are things that you cannot do anything about like age, gender or location for which you reside. There are those, however, that you can control which can not only make your premiums extremely expensive, or can make you unable to be insured by most companies. If you have things on your driving record that make you very high risk, companies will charge huge premiums to cover their risk which will deter you from purchasing their policy or they will deny you all together.

Having a high number of moving violations will make you uninsurable. If you have three or more moving violations on your record then you may not be able to get insurance. In most states, three of more tickets will also mean a suspension of your driver’s license. Even two tickets will drive up the cost of your premium substantially. Being convicted of a DUI or DWI will also limit your options for obtaining auto insurance. The cost of the average person with a DUI or DWI is triple that of those in the same risk category would have otherwise. Also, having more than two accidents on your record over a specified period of time may make you uninsurable to some companies.

Having a poor driving record not only affects the amount that you will pay for your auto insurance, it also may limit your ability to get the coverage you need overall. If you are faced with a moving violation, doing what you can to strike it from your record is always a good option, it will save you in the long run. Making sure to comparison shop is the best way to get the lowest price possible. If you are having a hard time getting insurance all together, input your information and your zip code at the top of the page now to see what may be available in your area. Within minutes, you will receive a free rate quote with the specifics of what is available in your area. An auto insurance comparison may be necessary to not only find the cheapest rate possible, but to find a carrier who is willing to insure you.

Does Your Car Affect The Cost Of Car Insurance Quotes

It seems to be a condition of the time that we live, that most people are finding it hard to make their bills every month. Many are finding that they need to find ways to cut costs, comparing car insurance quotes may be a way to find a cheaper policy than the one you currently have. In the end, however, auto insurance appears to be a necessary evil, one that is mandated by most states to operate a motor vehicle. The only time that auto insurance seems worthwhile is when you need to use it. Finding ways to cut your premium may be necessary for you to remain compliant. The car that you chose to drive has huge bearing on the amount you will pay per month.


Making a smart choice for a car has many factors. Most of us purchase cars for very different reasons. Most of them are personal preference or necessity. There are some vehicles which will cost more to insure for which you can do nothing about. If you have to drive a specific car for work, then your options may be limited. If you are making choices for other reasons, being smart before buying will save you substantially.

Auto insurance companies make determinations about your policy cost based on many financial factors for them. They come up with the price based on the risk to them according to the amount that they will potentially be responsible for. In general, the more expensive a car is, the more you will be paying for insurance. An auto insurance company calculates a price based on how much it will cost to repair a car. Therefore, if it is a more costly car, then it will cost more to repair. In the same respect, if you purchase a car, like an import whose parts are going to cost more to repair, then the overall price to the insurance company is going to be greater. Although having the top of line car is a very nice convenience, if you are trying to save money, choosing one that may be slightly less expensive will save you all the way around.

Auto insurance carriers also take into account the safety rating of the car for which you drive. In terms of cost to them, the more safe a car is, the less likely they will have to pay for high bodily injury costs. The higher safety rating for a vehicle, the lower cost will be passed along to the consumer. You can check the safety rating of your vehicle online to find out where you car falls. Lastly, there are cars which are stolen at a higher rate than others. Having a car that does not fall into a high risk for theft category will save you more on your overall insurance. Finding the best price possible for your auto insurance is not just a convenience but a must.

See how your existing policy measures up against others now by inputting your zip code into the box at the top of the page. It is quite possibly the best way to make sure you are not paying too much. Compare your existing policy up against other insurance quotes by getting a free rate quote today. Don’t go another day overpaying for your auto insurance costs. You will get several quotes in the matter of minutes. Getting a numerous amount of car insurance quotes to compare is the overall best way to save yourself the greatest amount.

Avail Online Auto Insurance Policies To Have Discounts

Everyone today is in need of a way to cut costs. That is no different when it comes to auto insurance. Shopping online auto insurance offers the consumer many different options to decrease their auto insurance premiums. By buying insurance online without talking to a customer service agent directly, are you really getting all the savings that you could? If you are purchasing your auto insurance online, it is a good way to comparison shop across many different companies. There is something to be said, however, for contacting the company directly and checking to make sure that you are getting the maximum savings you can.

I know it is shocking to think about but your car insurance carrier is not going to contact you if they think that you are paying.

Different auto insurance carriers will accept different group savings. That is, if you are a member of a certain association or a group; not every insurance company will offer you the same discount or one at all. Different organizations have different alliances with different carriers. If you belong to an organization, it is prudent to ask if they subscribe to a specific carrier to utilize the benefit. In the same respect, if you have insurance, contacting them directly and asking about a group or organization will give you the answer you need.g them too much.

In an attempt to stay ahead of the competition, many auto insurance carriers are coming up with better and more creative ways to offer the consumer discounts by also decreasing their risk. New discounts are being developed on a continual basis. Unless you are currently and actively seeking new insurance, however, you may never know that you are eligible for certain discounts and savings. Each auto insurance company has different offerings, discounts and programs. If you have an existing policy or are shopping around for a new one, it is best sometimes to contact them directly and ask some real questions about savings.

There are other discounts available from some carriers and not from others. Some auto insurance companies will give you discounts like good student whereby if your teenager or college age student maintains a B average or better they will get a better discount. Also, some carriers will offer discounts for people who drive with monitors in their vehicles. These monitors report back to the company how well you follow the rules of the road. They help the company to determine where the risk to insure you falls. This is not offered by ever company so investigating what each auto insurance policy has to offer is always a good idea. Comparison shopping is the very best way to make sure that you are getting the best coverage at the very lowest price. Take the time now to find out how you can save on your auto insurance.

Simply input your zip code in the box at the top of the page to receive a free rate quote. Don’t take for granted, you are getting the best price here; get your free quote now and make sure you are making the best price possible for your auto insurance needs. After you have chosen the best company for your needs, make a quick phone call periodically to them to check for new discounts or promotions; it is a good way of staying ahead of the game. Shopping and comparing online auto insurance is a very convenient way to go, but sometimes picking up the phone every once in a while can really do you some favors.