Car Insurance Quotes Online: Free and Cheap Car Insurance Quotes

You probably know that lenders use information in your credit report to determine if they’ll give you credit. But did you know that in some states, insurance companies also consider your credit history? Good or bad, your credit history may affect your ability to purchase homeowners or car insurance coverage and help determine what premium you’ll pay for your car insurance. Read the rest of this entry »

Tags: Credit Affects Car Insurance Rate.

When it comes to car insurance rates, who you are determines what you pay.  

Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.

While you can’t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.

Factors you CAN’T change that impact your car insurance rates:  Read the rest of this entry »

Tags: Cheap Car Insurance: Factors that Affect Your Car Insurance Rates.

Most people complain about the cost of their car insurance - hardly surprising, given that a typical policy costs at least several hundred dollars a year. Depending on your age, driving record, and other factors, your annual premium can be significantly more than that. So how can you lower your premium and save yourself money?

If you own a car and drive it, going without insurance is generally not an option. In most states, you are required by law to purchase a minimum amount of liability coverage. And you should probably have more than just the bare minimum if you want to provide yourself with adequate protection. There are steps you can take, however, to reduce your auto insurance costs without having to cancel your policy. Some or all of these steps may be appropriate for you, depending on your circumstances.

Specific ways to save money on car insurance:   Read the rest of this entry »

Tags: 10+ Tips to Save on Car Insurance Quotes Online.

Laptop, book money, bean bag chair, TV with DVD player, iPod, cell phone, shower tote and debit card—sounds like your college-bound teen is all set to start school! But are they ready to handle the responsibilities of driving on campus? Sure your teen driver knows how to navigate around your home town, but going to college means driving in an unfamiliar territory—one with more pedestrians, new distractions and new destinations. Car Insurance and Driving Tips for College-Bound Students and young drivers. Read the rest of this entry »

Tags: Car Insurance and Driving Tips for Students.

Between gas prices and the economy, American drivers are having trouble deciding what autos to buy. Many people are exploring alternatives, from bikes, to buses, to biofuels. One auto alternative is hybrid cars. What exactly is a hybrid and how could it lower your car insurance quotes?

Gas Mileage Car Insurance. The reason most people want a hybrid is because of the great gas mileage they can get. How is this possible? Technology for hybrid autos varies, but higher fuel efficiency is usually accomplished with an electric motor. Batteries store energy recovered during braking and supply that energy back to the electric motor, cutting down on the amount of gas used. A 2008 Toyota Prius, for example, gets an EPA estimated 46 MPG for combined use, while a 2008 Honda Civic Hybrid gets an EPA combined rating of 42 MPG. Read the rest of this entry »

Tags: Save on Car Insurance With a Hybrid.

If you drive, you know how crazy it gets out there. Accidents happen, fenders get bent, people get hurt. Or you’re innocently parked in your driveway and a tree limb crashes through your windshield. When disaster strikes, auto insurance is there to protect you.

Why buy Car Insurance?

1.) Car Insurance protects you against the financial risk associated with personal injuries and property damage caused by auto accidents, theft, vandalism, or natural disasters.

2.) All states require you to purchase at least a minimum amount of liability coverage. Other types of car insurance coverage may be optional or required, depending on state regulations. Read the rest of this entry »

Tags: Car Insurance Basics, Car Insurance Quotes Online Tips.