We Make it Easy to Compare Policies and Save
Finding a quality auto insurance policy is a little more involved than just getting cheap quotes. To make sure you are dealing with a reputable company that treats customers well, you will need to do a little research. Your state's department of insurance website will contain a wealth of information that can help guide your decision. Check out this website for information on claims payment statistics and complaint histories. The website should list important information like the number of complaints filed against the company per a certain number of claims filed. Try to balance what you find on the website with the cost of the estimates the companies provided you.
Protect Yourself in the Event of an Accident
Car accidents can be quite serious or relatively mundane depending upon the vehicles involved, the speed, and the particulars of how each person was driving. Car accidents claim the lives of more than 60,000 people each year and remain one of the leading causes of death in the United States. It is a cause of an especially high rate of deaths among young people in the US and many driving laws focus on avoiding casualties on the roadways. That being said, there are also many consequences of auto accidents in terms of premium hikes and personal costs.
Steps You can Take to Keep Premiums Low
Not surprisingly, many of our visitors are interested in how they can keep their price quotes and premiums as low as possible. Avoiding traffic accidents and tickets is one of the most effective ways to keep insurance costs low.
Speeding tickets, rear end collisions, driving under the influence; although this is not a complete list, these are all factors that are taken into consideration when insurers provide cost estimates. Coverage pricing is primarily based on statistics and probability; the probability is that a person who has had more tickets and accidents is going to cost the insurance company more money than a person who has a clean history. Therefore, the person with a history of incidents will pay more than one whose record is free of incidents.
Driving Points System
Most localities use a point system for traffic violations, with more serious infractions, such as driving under the influence (DUI), having more points than, for example, a citation for an unsafe lane change. Point designations vary by state and the penalties range from a slight increase in insurance rates to having a driver's license suspended or revoked, depending on the number of points an individual has accrued on their driving record. Although the length of time an infraction stays on a driving record with each state's Department of Motor Vehicles (DMV), minor infractions generally remain for one to three years while major infractions, such as a DUI, will remain for up to ten years.
Accessing a Driver's Record
Many states are members of an Interstate Driver's License Compact, which shares driver's record information between the jurisdictions so that an individual whose license is suspended or revoked in one member state may not obtain a driver's license in another member state. Some localities also belong to the Non Resident Violator Compact, which notifies a driver's home state if the driver gets a ticket in the non-resident state. Additionally, driving records are considered public information and can be accessed by anyone, although personal information such as address and telephone number are not generally disclosed. Therefore, a current or prospective employer can request a copy of an individual's driving history from the local DMV; a poor record can prevent an individual from obtaining employment or jeopardize a current job.
Aside from the safety factor, a poor driver's record can adversely affect many aspects of a person's life from their disposable income, because higher premiums mean less disposable income, to loss of a job or the inability to obtain one.
No Matter What Type of Vehicle You Drive, We Can Help You Insure It
Insurers offer different types of auto coverage, because not every vehicle needs the same type of coverage. For example, new cars will require a different type of coverage than a used one will. New models are subject to very rapid depreciation. As soon as the new car owner drives the vehicle off of the dealer's lot, it has lost approximately 20 to 25 percent of its value. In the first couple of years, if the car is involved in an accident where it is totaled, the owner may receive less money from the insurer that they owe on it.
The type of policy needed depends on the vehicle that you wish to insure. As stated above, a new car's coverage will vary from the needs of a used auto because of the factors related with that type of vehicle. Insuring all vehicles follow this same theme, your policy must match the needs of your specific vehicle. Two main deciding factors on what kind of and how much coverage you need are the condition of your car and the body style.
For instance, sports cars are the most expensive type of vehicle to insure. The reason is that these vehicles tend to be the most expensive vehicles to purchase. In the event that a provider determines that a sports car is a candidate to be totaled, the company will either have to pay the policyholder the actual value of the automobile or the amount of money that the car was worth at the time of the accident. If the insurer is obligated to replace the car entirely, this can be a large sum of money; hence, the expensive insurance premiums.