Archive for April, 2010

Auto Insurance Quotes Online

An auto insurance claim adjuster works for the insurance company with whom you purchase a policy. Some insurance companies use independent adjusters so that they get an unbiased report. When you have an accident and make a claim on your insurance, the company will send out an adjuster to access the damages and come up with an amount of money that will be needed to complete the repairs. The auto insurance claim adjuster has to contact the garages to get an estimate of what the parts and labor will cost.

When you report a claim for an accident to your auto insurance, they will contact the appropriate adjuster. The auto insurance adjuster assigned to your case will contact you to get the details on where he/she can assess the vehicle. Then you will receive a report from the insurance company regarding the assessment the auto insurance claim adjuster submits. If the damages exceed the value of the vehicle, it will be “written off”.

The amount you get on your auto insurance policy depends on the policy itself. If the auto insurance claim adjuster determines that the vehicle is written off, the insurance will pay you the book value of the vehicle. This could be more or less than what the car is worth. With some auto insurance policies, you can pay extra to have a clause included stating that if the vehicle is written off within the first two years, you get the full amount that you paid for the automobile.

There is a certain process that an auto insurance claim adjuster has to use to come up with the amount the insurance company will pay. You will usually get two quotes – one that will see the car getting repaired at a top of the line garage and another if you take a cash settlement on the claim and get the work done yourself. The auto insurance adjuster knows that many people have friends who can do the work cheaper and often take the money.

Once you decide how you want to proceed, the insurance company will issue a check. If you are paying on the vehicle, the check will be made out jointly to you and the lender. Otherwise the check comes directly to you. The job of the auto insurance adjuster is only to access the damages, Any dispute you have regarding the report made by the auto insurance claim adjuster has to be done through the insurance company. Keep this in mind because the adjuster is only an ordinary person like yourself trying to make a living.

An auto insurance claim adjuster doesn’t have an easy job.

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If a person was injured in two separate auto accidents within a few weeks, both were not his fault. How would the second accident effect the claim of the first?

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Many drivers rely on good faith and may not expect to be forced to sue their auto insurance company in order to receive payment for expenses resulting from a car accident. Typically, most just want to have their car repaired and their medical bills paid.

Unfortunately, the auto insurance attorneys of Michigan Auto Law deal with many car insurance companies on a daily basis that take advantage of their customers by cutting off their benefits without reason or notice. Some insurance companies also put people “under investigation”- the excuse for stopping payment of all medical bills and wage loss. People are being ignored, threatened, intimidated and even lied to by their insurance claims adjusters.

The following are common tactics used by many auto insurance companies to either avoid or minimize their payouts to customers. Suggestions are included on how you can protect yourself to avoid or minimize problems with your automobile insurer.

1. Many restrictions and limitations are buried in your policy’s fine print

Knowing how to read and understand the fine print of auto insurance policies is not an easy task. Auto accident lawyers have seen far too many people lose out on important benefits because they were unaware of important filing requirements buried in their policies. For example, many auto insurance policies pose strict notification requirements, such as 30 days notice for hit-and-run accidents. Many contracts have separate conditions for uninsured and underinsured motorist coverage requiring very prompt notice, and insurance carriers can change their policy filing requirements at any time. When car accident victims do not respond to notification requirements on time, they can lose their coverage.

How to protect yourself:

Notify your insurance company immediately after any type of accident. Be sure you have your complete auto insurance policy, including any notification of coverage changes from year to year. This can also include pamphlets or notes that are mailed with renewal statements, reflecting any policy terms and changes. Most policies include declarations, conditions, insuring agreements and exclusions with conditions.

It’s also important to check insurance policies for any benefits that overlap with your own health and disability insurance; and to review any additional coverage (such as uninsured and underinsured motorist coverage). When receiving ongoing medical care for car accident injuries, having a solid understanding of insurance policies can help ensure that health care providers bill appropriately.
If you are confused with your auto insurance policy and have questions, don’t hesitate to contact a lawyer who specializes in auto accidents – most are happy to offer advice and guidance for your protection.

2. Insurance agents don’t always recommend the best coverage

Following a car accident, there can be numerous issues and challenges navigating health insurance plans, managed care plans, retirement plans such as ERISA, and coordinated/uncoordinated policies. In addition, insurance agents may avoid mentioning important coverage options and applicable discounts due to payout losses or lower premiums that reduce their commissions.

Many people choose to carry more insurance coverage so they will not be personally liable if they cause a serious car accident. However, some people only pay the minimum insurance premium to renew their license plate each year, and then let the auto insurance lapse. Without an uninsured/underinsured motorist policy, a driver or family members severely injured by an uninsured motorist will have no source of legal recovery for their injuries other than filing a lawsuit against the uninsured driver for his or her personal assets. Most people do not have sufficient personal net worth to compensate a person that they have seriously injured.

How to protect yourself:

If you are injured in an auto accident, contact an experienced auto accident lawyer who is best qualified to provide guidance on issues of which insurance is primary, and who will pay medical expenses that are incurred after a crash.

If you carry ERISA health insurance, uncoordinated or primary coverage is the safe move. An insured person with both ERISA and coordinated insurance may end up recovering nothing for their pain and suffering in the event of an auto accident.

Check your insurance policy for uninsured/underinsured motorist coverage of at least $100,000 per person and $300,000 per accident. If this type of coverage is missing, contact your insurance carrier to add it – the cost is minimal and highly recommended to protect you and your family.

Raising your deductibles to at least $500 or more can also lower your auto insurance premiums by 15 percent to 40 percent. Consider dropping collision and/or comprehensive coverage on older cars. If your car is worth less than 10 times the premium, eliminating those coverages can save you money, unless you still owe money for the car. Finally, if there is any reduction in the amount of miles you drive annually, contact your insurance carrier for quotes on low mileage discounts.

3. Accident Settlement Offers Are Always Too Low

Imagine you just suffered devastating injuries from a car accident and are now recuperating at home, in pain, and worrying about how you are going to pay your bills. An insurance agent knocks on your door with a check for $100,000 for your accident. With the emotional and physical trauma following a car or truck crash, a large amount of money sounds great, and some victims rush into accepting the first settlement offer. Yet determining the value of an auto accident case goes far beyond a simple calculation of injury type, future expenses not covered by no-fault insurance and the wrongdoer’s policy limit. Offering to settle is essentially a backdoor approach by insurance companies to saving litigation costs at the expense of an accident victim’s right to a full recovery.

How to protect yourself:

It never hurts to call an auto accident lawyer and ask for advice. Many lawyers can explain accident law, what you are entitled to and make sure your own insurance company is paying everything they are supposed to – with no fee or obligation.

4. Releases and Recorded Statements Are Pushed Early On to Overwhelm Accident Victims

Many victims rush into signing adjusters’ documents without having the language reviewed by an auto accident lawyer, believing these are just basic verifications of the accident. Therefore, they may lose their right to sue a negligent driver for accident-related injuries. Claims adjusters often try to get recorded statements early, aiming to minimize the victim’s pain and injuries for later use in court. Even vehicle damage releases can contain unrelated language that can jeopardize your other claims.

How to protect yourself:

Never give statements to an accident claims adjuster and never sign a release or allow the adjuster to look at the auto damage. Simply tell the adjuster that you need to review the paperwork with your attorney and will get back to them with your response. No matter how desperate you may feel after suffering the financial burden of medical bills, lost wages and disabling pain, involving an auto accident attorney will ensure your rights are protected. Keep in mind that the claims adjuster works for the insurance company, and has its best interest in mind – not the injured victim.

5. Standard practice is to deny or delay claim payouts

Most people suffering injuries from a car accident call their auto insurance company to find out what to do next. They assume that when they follow the process, they will receive fair, timely compensation for injuries resulting from the auto accident. After all, they paid for the auto insurance for that reason – to be covered in the event of a car accident.

Yet many insurance companies engage in common delay tactics including denying claims, not returning calls, placing people on hold for extensive periods, requiring a victim to repeatedly gather records, and passing you from one adjuster to the next. Soon the financial burden of time off work and mounting medical bills drives innocent car accident victims to contact an attorney. Or worse, it makes them desperate enough to accept an extremely low settlement offer, limiting any future recovery of damages.

How to protect yourself:

If you are experiencing these typical delay tactics, contact an auto accident attorney who can assist you with getting your claim processed and the benefits you are entitled to under your state’s law.

Bottom Line:

If your auto accident involves injuries to you and/or your family (even seemingly minor injuries), consult an auto accident attorney as soon as possible. Not only will you better understand what benefits you are entitled to, but you will have the peace of mind knowing that you received the full value of benefits and compensation available to injured drivers.

To learn more about protecting yourself in an auto accident, visit the Michigan Auto Law Car Accident Legal Help and Legal Resource Center at http://www.michiganautolaw.com/caraccidents/index.php, which includes tips and advice on dealing with your car insurance company, what to do after an accident, and understanding your insurance rights. If you have any questions about your auto insurance policy or concerns about your car accident or truck accident personal injury, please contact us by visiting http://www.michiganautolaw.com or calling (800) 777-0028.

Steve Gursten is recognized as one of the nations top experts in serious car and truck accident injury cases and automobile insurance no-fault litigation. Steve has received the largest jury verdict for an automobile accident case in Michigan in four of the past seven years, including 2008.

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How to Get a Cheap Commercial Auto Insurance Quote

If you do not understand the way that auto insurance works, you really need to deal with auto insurance specialists. These are the agents that work for the insurance companies and they can answer any questions you might have. You don’t have to get the auto insurance policy through the company because a quote and information is free. When you need to find out how the automobile insurance industry works, your best source of information is from auto insurance specialists.

If you have classic, vintage autos, you really do need to have them insured, even if you don’t drive them. Think about all the money you would lose if one of these cars were stolen. The Classic Auto Insurance Company has the auto insurance specialists you need to get the right policy for your classic cars.

Many of the auto insurance programs for classic automobiles have a range of limitations and age restrictions when it comes to getting auto insurance. The auto insurance specialists at Classic Auto Insurance will set you up with the right package for your needs. For example, depending on how much your drive your classic auto, you can have an insurance policy for 1000, 3000, or 5000 miles per year. You also get a lower rate for uninsured motorists that might be at fault in an accident where your vintage auto sustains damage.

With Classic Auto Insurance, the auto insurance specialists will advise you if any limitations apply to your policy. You definitely have to be over 26 years of age in order to get this type of insurance, but you can drive the car for pleasure. Plus if you are part of a Classic Club for collectible autos, you also qualify for a discount.

If you should get in an accident, the amount of money that you receive if the car cannot be repaired, the amount you receive as a cash settlement will be stated in the policy. Auto insurance specialists do require that you have papers with the appraised value of the car when you get the insurance and this should coincide with the book value of the car. Classic auto insurance will do everything it can to help you get the auto insurance you need. It may hurt your wallet but not as much as it would hurt if you had to pay medical expenses for someone that you hurt.

Consult auto insurance specialists if you have particular auto insurance needs.

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Popular Auto Insurance Companies

The American auto insurance sector is characterized by the presence of a large number of players. Some are large general insurance companies that have diversified into auto insurance and some are pure play auto insurance companies. Here are some of the notable players in auto insurance business.

State Farm Insurance is one such company. It is a national insurance company and one of the biggest general insurance companies in the US. For the year 2003, the company had a revenue of about $56 billion. Headquartered in Bloomington, Illinois, State Farm Insurance is a very popular auto insurance provider in the US. With a nationwide network of branches and attractive discounts for various categories of people SFI has an edge over its competitors. SFI is also the largest insurer of cars, trucks and SUVs in the US.

American International Group or AIG is another big company. It is the second largest general insurer and also the second largest auto insurer in the US. The Farmers Insurance Group of Companies is one of the largest general insurer and the third largest auto insurer in the US. Like SFI, this company has also got a large network of branches in all the states in the US.

Apart from these, there are other players in the American market. Some of them are 21st century Auto Insurance Group, which has its strength in auto insurance space and operates in eight states. Some niche players include Auto Owners Insurance, which has been operating in the nation since 1916 and covers 22 states across the nation.

One feature of the American auto insurance space is that there is room for all players ? general insurers who have diversified into auto insurance business and auto insurance specialists.

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Comparing Auto Insurance

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Auto Insurance Quotes – Guide to Finding the Cheapest

Consumers should keep two important factors in mind when searching for an auto insurance company. First of all, we all want to obtain a cheap auto insurance company, but what most of us ignore is the quality. It is important to make sure that not only do you find a cheap auto insurance company, but a company that will give you the expected customer service.

You’re probably wondering why your friend or family member is getting such a cheap auto insurance quote from a certain insurance company, but when you called to get your quote, it was outrageously expensive. Many of us may not realize that although a particular driver is getting the best rates from one auto insurance company, it can also be the most expensive insurance company for you. Each auto insurance company will give different auto insurance quotes for different driver categories. You may or may not fall into a preferred category of a certain auto insurance company. If you don’t, most likely the auto insurance quote you get from them will not be cheap. In the other hand, if you do fall into an insurance companies preferred category, you’re quote will be among the cheapest.

That is why it is important to obtain several auto insurance quotes from multiple companies. The bottom line is that you need to find out which auto insurance company will offer the category that you fall into, the cheapest possible quote for auto insurance.

Although there are many companies out there, you don’t have to pick up the phone and call each auto insurance company individually to obtain your auto insurance quote. Thanks to technology, you can now log into many auto insurance websites and with one simple process, obtain an auto insurance quote from several companies. Some websites also allow you to purchase the auto insurance online and print your proof of insurance immediately.

You should take the time to look into the history and stability of any auto insurance company that you obtain a quote from in order to make sure you are not purchasing insurance from a company that will not give you the run around when it comes to providing service. All insurance companies are given a letter grade by AM Best, a rating company, with an “A++” being the best rating possible”A” being the best and so forth. AM Best is a company that assigns the grading system, you may want to inquire about an insurance company’s grade before you decide to buy auto insurance through them.

Once you found your cheapest auto insurance quote and have inquired on the background and quality of an insurance company, feel comfortable with your decision of buying your auto insurance policy online. If you buy your auto insurance online, you may have the benefits of managing your insurance policy right from the comfort of your home. That includes making your premium payments, making changes to your policy and even filing insurance claim online.

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What Affects The Cost Of Auto Insurance

Do you want to get lower price rates for your auto insurance coverage plan? Is your current insurance too costly and too much for your tight budget? If you want to get lower premium insurance payments, then take heed of the following pointers written below. Getting cheap auto insurance rate for your car is easy only if you take consideration of the following:

Factors that define your auto coverage quote:

1. Car driving record- Your driving behavior is one of the factors that may influence the price rate of your auto insurance. You should ensure that your driving record is clean and reveals someone who takes responsibility over his driving. Speeding tickets and other recent bad driving record will surely raise the price of your premiums.

2. Gender – Gender may sometimes influence your insurance rate. There are insurance providers who provide specialized auto insurance deals for lady drivers. Women drivers have been found to pose lower risk and involvement in car accidents than men, thus there are some insurance providers who give discounts to the members of this gender.

3. The model/type of car you are driving – Your premium rate is partly based on the model of car that you drive. When you insure an expensive and flashy car, you will surely have to pay a higher premium quote because replacement of your vehicle in case of accident costs a lot as well. According to the statistic records of the Highway Loss Data Institute, cars prone to accidents and collisions along the road are small 2 or 4 door cars. Sports cars are also highly prone to accidents thus higher premium rates are quoted. Go for low profile cars with complete security and auto theft equipment, and you will get a discounted price on your auto coverage plan.

4. Type of Occupation - Your occupation can also influence your insurance price. Insurance providers give low premiums to people whose occupation does not likely involve incidents of frequent car usage and long travels. There are auto insurance groups that give discounts to certain professions so be sure to inquire about that.

5. Being Loyal to One Insurance Company – If you get your auto insurance from the same company that provides coverage for your house and health needs, then you are likely to get discounted premiums for your loyalty. Ask the insurance company agent if a combined coverage is available.

Tips when shopping for auto insurance online:

1. Check your credit record - take note of your current insurance premium and monthly payments. Your task now is to find a insurance deal that exceed or equal the coverage of your current insurance plan but is cheaper or more affordable to purchase.

2. Comparing similar price quotes – Always get an update for the current auto insurance deals available from different insurance groups. You can enlist the help of an insurance broker so you can be presented with a list of possible auto insurance providers and the deals that they offer. You can also use the internet and search for sites that offer auto insurance plans and list all the details so you can make a comparison. Ensure that you are comparing the same type of auto insurance coverage and choose which one seems to give you the most benefit.

3. Using comparison websites – If you want to have instant results and have an easy search, then use insurance comparison websites. These websites give you a comprehensive list of auto insurance offers so you only need to type in the keyword and wait for the results.

Before deciding to purchase an auto insurance plan from a certain provider, you must ensure that they are not a scamming company. Good insurance companies have key features including reliable business record, recommended by professionals, good company credit standing and positive customer reviews.

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In order to substantially trim your San Diego auto insurance costs here are some tips right at hand:

Shop Around for your Auto Insurance

The same policy can fluctuate to as much as 300% by different San Diego auto insurance companies. If you take the trouble to compare varying rates, you end up saving a substantial amount of money with your San Diego auto insurance. Check with your current San Diego auto insurance company – they are likely to be offering lower rates to new clients. You might find it possible to negotiate a new deal here.

Lower Your Mileage to Lower your San Diego Auto Insurance

You can cut down on what you pay for your San Diego auto insurance company if you drive an average of less than 40 miles a day. Suppose your deductibles are raised from $250 to $500, more than a hundred dollars is saved on the annual premium of your San Diego auto insurance.

Provide Proper Details for your Auto Insurance Policy

You will have to give correct information about annual commuting mileage, car safety features, your zip code and marital status to any San Diego auto insurance company. San Diego auto insurance companies, by default, tend to quote on the higher side. If you give as many details as possible, it ensures that you get each discount you qualify for.

Heighten Your Auto Insurance Deductibles

There is a lower insurance premium to be paid with higher deductibles as far as your San Diego auto insurance is concerned. But do keep provisions for increased finances so that the deductibles can be covered in case of an accident.

Anti-theft Devices Lower San Diego Auto Insurance Payments

If you install a tracking system or car alarm what you shell out for the San Diego auto insurance is reduced thanks to a discount. When an anti theft device is installed, the risk of theft markedly reduces. The savings that is thus made is passed on to you by most auto insurance companies. For a period of three years, most San Diego auto insurance companies offer a further reduction, if you can provide them with a defensive driving class certificate.

Change Drivers for a Lower San Diego Auto Insurance Premium

You can make a comparison of what most San Diego auto insurance companies offer for male and female drivers. If the male is insured on a mini van or the female is insured on a truck, it is likely that you will be offered a lower quote.

San Diego auto insurance companies should offer you a well rounded policy that allows you to drive your vehicle without constantly worrying about unforeseen contingencies.

Richard Cunningham is a successful entrepreneur and publisher of several profitable websites including AutoInsuranceQuoteRanger.com. Visit his website to learn more about San Diego auto insurance.

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Auto Insurance FAQs – Accidents Happen

With over 6 million auto accidents per year in the United States alone, there’s a good chance that you or someone close to you will be involved in an auto accident at some point. Having auto insurance is a great way to be prepared for an auto accident. When shopping for auto insurance, it’s important to look at auto insurance rates and quotes and do some comparing. Knowing how to proceed in the event of an auto accident can save you time, money, and headaches, especially if your car is damaged.

Q: What should I do if I’ve just had an auto accident?

A: Assuming there are no injuries, here’s a checklist of how to proceed:

1. Call 911 to report the auto accident. You’ll want a copy of a police report for any future claim, especially if the accident was not your fault. If the damage is minor and the other driver wants to negotiate a settlement on the spot, be wary: You could have unseen damage.
2. Don’t bother engaging the other driver in an argument about who was at fault – the police will handle that.
3. Write down the other driver’s name and insurance information.
4. If you have a camera in your car, get some shots of the damage and general accident scene.
5. When you get home, call your auto insurance company to report the accident if there will be a claim on your policy. If the other driver was at fault and you don’t live in a “no-fault” state, contact their auto insurance company to start the claims process.

Whether the car damage is minor or extensive, your main goal is to get enough information in order to protect your best interests later. And remember that honesty is the best policy in reporting the circumstances of the auto accident.

Q: What coverage pays for damage to my car?

A: If you’re at fault in an auto accident (whether you’ve crashed into someone else or into a fence), you’ll need collision coverage if you want your repairs covered. If you don’t have collision coverage, you’ll need to pay for repairs out of your own pocket. Some drivers drop collision coverage when their cars get older because the potential cost of fixing them is more than the value of the cars.

If someone else crashes into you, their liability auto insurance must pay for repairs to your vehicle. This is called a “third-party” claim because you’re making a claim on their auto insurance company.

If you live in a “no-fault” state, you always make a claim on your own policy no matter who is at fault.

Q: Do I have to use my auto insurer’s body shop for repairs?

A: No, you can never be forced to use a repair shop that your auto insurance company designates. However, you may find it’s more convenient to do so. Many auto insurance companies have customer service programs that streamline your claim process by handling paperwork and your rental car from the repair shop and fully guaranteeing the work.

You can never be too prepared when it comes to an auto accident. Hopefully, these FAQ’s have given you some helpful advice and information if you or someone you know has to face this situation in the near future. Auto insurance companies are there to help you sort through the car damage and remove some of the headaches and worries for you. Auto accidents aren’t something that we like to think about, but thinking ahead will help you and your auto rates in the long run.

Amy Danise is an editor for http://www.insure.com Visit http://www.insure.com for a comprehensive array of comparative auto, life and health quotes, including a vast library of originally authored insurance articles. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant quotes from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown.

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How Do I Choose Collision Coverage?

Most auto insurance policies in the United Kingdom has standard format and structure. They are divided roughly in six sections: first section – heading, which shows the full address, name of the UK auto insurance company,which underwrites your auto insurance policy.

Second section is preamble covering what an auto insurance premiums have paid and the following form is the base of the auto insurance contract. The next section is operative clause.It is a detailing list with the types of the events that auto insurance policies cover against (comprehensive, third party fire and theft or third party only). Exceptions clause are cover exceptions or cover exclusions.

For instance, cover will not be provided if the car is driven by anybody other except the drivers, which are mentioned in the auto insurance certificate. The fifth section is condition – the list with conditions, applying for the cover in order to be operative. So, for instance, covered by insurance has to notify auto insurance company in United Kingdom or its agent about any incident, that could affect on a claim, made under the auto insurance policy.

The last section of auto insurance policy is schedule.It is connected with the auto insurance policy and the auto insurance certificate and gives some details, that are specific to the insured person such as period of auto insurance and name.

Cover or car changes are written down in the schedule and also new certificate, which is published in order to comply with lawful requirements. It also contains a note about the premiums payable.The auto insurance certificate is an full part of the auto insurance policy. It gives details, which are specific to the covered by insurance. It also gives proof to minimum legal requirement in the United Kingdom. In the case of the auto insurance policy cancellation, the certificate must be returned to the auto insurance company or its agent during 7 days. Read more about auto insurance in UK here…

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How Do I Choose Collision Coverage?

Want to save money on your car insurance? Here are suggestions from the Insurance Information Institute (III).

1. Comparison shop. Use consumer guides online from your state’s insurance department. These guides tell you what coverages you need and show you sample auto insurance rates, usually from the biggest companies. Get auto insurance quotes from at least three insurers.

2. Ask for higher deductibles. When you file a claim, a deductible is the amount of money you pay before your auto insurance company pays for the rest of the damage. Higher deductibles mean lower premiums. For example, increasing your deductible from $200 to $500 on collision and comprehensive coverage could reduce that portion of your premium by 15 to 30 percent, according to III.

3. Drop collision and/or comprehensive coverages on old cars. If your car is totaled in an accident, you receive the actual cash value of the car. Although auto insurance companies use their own criteria to determine fair market value for vehicles, you can get a ballpark estimate from Kelly Blue Book. For older cars, it may not make financial sense to pay premiums over many years to maintain collision and comprehensive coverage.

4. Buy a “low-profile” car. Cars that are expensive to repair or that have a high theft rate have higher car insurance rates.

5. Take advantage of low-mileage discounts. Some auto insurance companies offer discounts to drivers who put fewer than a predetermined number of miles on their vehicles each year. And with the high price of gasoline, driving less makes financial sense.

6. Consider auto insurance rates when making a move. Car insurance rates tend to be lowest in rural communities and highest in cities, where more traffic congestion occurs and the likelihood of theft increases.

7. Ask about discounts for air bags and other safety features. Your insurance agent can tell you know about these discounts when you purchase your coverage. Most policies give discounts for air bags.

8. Ask about antilock brake discounts. Some states require insurers to give discounts for cars equipped with antilock brakes. Some auto insurance companies give the discount no matter where you live.

9. Ask about other discounts. Some insurers offer discounted auto insurance quotes for insuring more than one car, having no accidents in three years, being a driver over age 50, taking driver-training courses, having antitheft devices and being a long-time customer. Plus, remember good-student discounts when you are insuring a student who drives.

10. Buy your home and auto policies from the same insurer. This will entitle you to a multiline discount.

11. Find out about group discounts. Sometimes group auto insurance policies are available through large employers, professional groups and other organizations.

12. Maintain good credit. Your credit rating may affect your car insurance rates. Use of credit scores in setting auto insurance prices varies by state and insurance company, but statistics show that drivers with good credit records tend to have fewer accidents.

Looking for auto insurance online? Visit Insure.com for an instant free quote.

Amy Danise is a staff writer for Insure.com. Visit http://www.Insure.com for a comprehensive array of comparative auto, life and health quotes, including a vast library of originally authored insurance articles and decision-making tools that are not available from any other single source. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant insurance quotes from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown.

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