Best Car Insurance Rates

How can you lower your car insurance rates? Most of us are curious to know the secret behind cheap car insurance quotes. Here are few tips that you can consider to reduce your car insurance rates.



• Raise your deductible- increasing the amount you are willing to pay at the time of an accident will help lower your car insurance rates by as much as 40%.



• Drop unneeded coverage- If you’re not required to have full coverage on your vehicle, switch to liability. Dropping full coverage can cut your car insurance by as much as 50%.



• Take a walk- The less you drive your vehicle, the lower your car insurance rates will be. If you don’t need to drive your vehicle and can walk or take public transport, insurance companies will take this into consideration and lower your car insurance.



• Take a safety course- Car Insurance companies love safe drivers. Taking a safe driving course, even if you don’t think you need one, is a great way to lower your car insurance rates.



• Install an anti-theft device- Not only will installing a car alarm deter thieves from stealing your vehicle, your insurance company will take the device into consideration when determining your car insurance rates.



• And the most importantly - Shop around. Cheap car insurance rates are available if we are ready to spend time and make serious effort.



However, most people don’t want to spend hours searching for low insurance rates and that where CarInsuranceQuotes.com comes to the rescue.

CarInsuranceQuotes.com has partnered with a number of highly reputable car insurance companies to help lower costs. When you enter your information into our system, CarInsuranceQuotes.com searches car insurance rates from companies such as Nationwide, Allstate and Progressive. This allows you to see and compare multiple low car insurance quotes from different companies and then make their own decision as to which company they want to go with. No waiting at a desk and no pushy agents trying to get you coverage you don’t need.



Visit CarInsuranceQuotes.com the next time you purchase a new or used vehicle or are thinking of finding cheaper insurance rates for the vehicle you currently own. The process is simple and you will have car insurance from highly respected companies in less than five minutes.



And best of all, the service is free!



Save money and visit CarInsuranceQuotes.com today.

Finding Car Insurance For Your Precious Lotus

Lotus cars are considered high performance sports cars. Thus, this fact alone puts them in a higher category for insurance premiums than other vehicles. To further complicate the insurance decision making process for the purchaser, some companies will not add Lotus models to their online calculators so fact find finding and pricing research is not always easy. For those individuals that already have Lotus car insurance, they will be familiar with the pricing and policy details. But new drivers will be uninformed. Of course, the other side of the coin is, if you have enough money to buy a Lotus, you do not care what it costs to insure.

Admittedly, the Lotus Exige Cup 240 is going to be very expensive just due to the speed at which the car claims to travel. Reaching sixty-two miles per hour in 4.5 seconds, this car tempts the owner to drive fast, something insurance companies do not like. The Elise convertible will also be more expensive than hardtop models. All convertibles are more expensive because of the potential dangers when driving with the top down.

The consumer might even find that when he/she goes shopping for Lotus car insurance, many companies will insure not the driver and vehicle. And if one is going to drive a car like the Lotus, he/she will want to make sure his/her driving record is impeccable. A few past speeding tickets and he/she has a big problem. Lotus equals speed. Consequently, the insurance company's assumption will be that the driver is a high-risk customer.

The best way to start searching for Lotus car insurance is to start with an existing broker or insurance company. But it is most likely not a good idea to stop there. If one must stick to a budget, shop around by looking for Lotus forums on the internet and specific sites that cater to Lotus cars.

One trap into which one should not fall is calling every insurance company in the phone back or using all the online quote generators as many will not give electronic quotes on Lotus cars and the information will in most instances be inaccurate. Companies want to talk to potential customers directly when speaking about Lotus car insurance.

A few of the companies that the author did find in the US and Canada offering Lotus car insurance are:

- Geico in the US

- TD Insurance and RBC Insurance in Canada

- Allstate, State Farm and Progressive in both the US and Canada

Lastly, while this information is for illustration purposes only, the author called his own insurance company, to inquire about Lotus car insurance. The vehicle quoted was a 2007 Exige S 2dr. Based on personal information with an excellent driving record of thirty-four years, no previous insurance claims, female driver, and an existing home and auto policy, I was surprised to find that the insurance was only four hundred dollars more per year than the Mini Van already insured.

Calling another major insurance company, when I inquired with the same details, because I was not presently insured with that particular company, the premium would be an extra six hundred and fifty dollars per year over the Mini Van. Thus, one can see that is important to use available discounts and check around when purchasing Lotus car insurance.

Where to Find Car Insurance

There are many avenues to finding car insurance that didn't exist thirty years ago. In fact there are more car insurance companies to choose from now. The greatest thing about being able to choose is to find the correct insurance for you. You are able to shop around, get free quotes and decide on what is best rather than going with what is available. When you look for car insurance there are three main places people usually go to for coverage.

First most of us will head to the internet to do a search for car insurance. The internet is one of the best places to find any type of service or product that we need. Car insurance is no different. You have over twenty different companies you can choose from on the internet. The great thing is you can check all twenty and then compare quotes in as little as an hour if you are in a mind to do so. Usually it takes about three or four quotes before you really find the best deal.

There are many companies to choose from such as Geico, State Farm, Progressive, and Allstate. When you are searching for car insurance on the internet there are a few things you need to be aware. Sometimes they don't always offer insurance for your state or at least include the specifics for your state. For instance in some states it is required that you name anyone who you may allow drive your car and you also have to include their social security numbers. This could potentially raise your rate or cause a problem if there is an accident and you are not driving.

The internet offers a wonderful portal for you to find car insurance, but once you have narrowed down the list you should really take the time to speak with an agent. The agent is going to be able to help you finish the fine points of the policy. You can always sign the contract via the website after you have spoken with an agent, but you should always have your questions answered before you head into the final process.

The second place to look for car insurance is of course the phone book. It is a tried and true method for many of us. You will find that in the phonebook you will find agency offices in your town or city rather than dealing with an inanimate object. This can make you feel more comfortable, especially if you stop by the office to discuss the insurance needs you have. Most often these offices also take care of other insurance over and above car insurance.

The last place to find car insurance is by word of mouth through friends and family. Many of us like to know we are headed into an office or to an online car insurance company that is often right for us. We like to have reviews from people we can trust. The friends of family source is a great way to determine this.

What Is The Average Cost Of Car Insurance?

How much do the majority of people shell out for auto insurance? That is a hard question to answer. It is based for the most part on where you reside, instead of on the type of auto you own, as many believe.

City dwellers or people in urban areas need to spend more than those who reside in the country. There will be a greater chance of an accident if there is more traffic on the road.

Insurers use many factors to determine premiums including how old the driver is, but their main concern is the probability of actually having to pay a claim.

The National Association of Insurance Commissioners put together a report stating the typical cost of auto insurance dropped by 1 overall.Seven percent in 2006. Recent reports cite the ten states with the highest premium costs as well as the ten least expensive states to live relative to the cost of auto insurance. There is definitely a considerable difference between the low and high.

In DC, the typical expense is $1,164 each year. The average in North Dakota is $530, which is less than 50%. States with the lowest insurance rates are Iowa, South Dakota, Idaho, Kansas, Nebraska, Wisconsin, and North Dakota - so keep that in mind when you're moving. You can obtain a comprehensive car insurance policy at an average annual rate of less than $600 a year in all of these states.

The average cost of homeowner’s is higher in North Carolina, because of frequent hurricane damage along the coast,but, just as a point of interest. How much more things cost in a specific area is just one of the things to mull over before making a move.

Nevada, Delaware, Florida, New York and New Jersey are some of the states that have the most expensive rates. Costs in these states run more than $1000 annually. The amount you'll could vary a lot if you live only a few miles apart. The state average rate is driven up by cities with higher rates

Just two years ago, people residing in Detroit could expect to pay over five thousand dollars a year for auto insurance. However, the median amount statewide was under $1000. Michigan is big in size, possessing a lot of rural regions. If you live out in the countryside your premiums will be lower than in a populated area such as Detroit.

Which businesses sell the majority of auto insurances? Knowing what companies provide the most insurance in the United States might be interesting for you. The trio of largest insurance companies are State Farm, Allstate and Progressive with AFLAC running close behind. If you go on the internet you can do a comparison of the rates charged by the top three insurance companies with very little effort.