Tag Archives: Insurance Rates

Cheap and Flexible Auto Insurance Quotes:

  By John | May 2, 2010 - 2:11 am | Auto Insurance
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One can easily find an auto insurance quote but the challenge lies on obtaining a cheap and flexible auto insurance quotes.  Appropriate knowledge and study on auto insurance can definitely help you to find out the cheap and flexible auto insurance quotes and rates.  There are certain guidelines offered by insurance experts that form a basic requisite of a person while searching for a cheap auto insurance quote.

The online insurance web sites form the best place to find a cheap and flexible auto insurance quote.  The Internet offers the chance for comparison of four or more insurance sites at a time and helps to find the best and cheapest auto insurance quote that is flexible to the applicants.  The comparison web sites therefore form the best method to attain cheap and flexible auto insurance quotes. 

To attain cheap and flexible auto insurance quotes, you need to take care on the details submitted to the insurance company via the online sites.  You are required to fill an online application form with your details as well as the auto details, for which the insurance quote is applied. Fill up the application form completely with appropriate details such as the name, age, address, the distance of annual commuting and the safety features introduced in the auto.  Inappropriate details and incorrect data results in high rate auto insurance quote.  The details determine the availability, the rate as well as the discount allotted with the insurance quotes ideal for you.    

Another important point to attain the cheap and flexible auto insurance quotes is the mode of bargaining.  The cost of automobile insurance at certain times changes to around 200 percentage for similar coverage. You may save dollars annually, if you think you are a good bargainer.  Get the best deal and quote with the help of comparison of insurance sites and insurance companies.  Higher deductibles are always equal to the lower premium insurance.  Therefore, stick on to a higher deductible, if you would wish to access lower auto insurance premium rates.

You can easily access cheap and flexible auto insurance quote if you are married.  The fact is that, if you insure a female on heavy automobile and a male on an auto of lightweight, the cheap auto insurance quote is in your hand.  Installation of safety devices on your auto can further reduce your insurance rates and premiums.  Attain cheap and flexible auto insurance quote and drive your auto and life without any worries.

Alien
http://www.articlesbase.com/insurance-articles/cheap-and-flexible-auto-insurance-quotes-724615.html

Save Big Bucks On Insurance

  By John | April 24, 2010 - 12:03 am | Low Cost Car Insurance
2 Comments

Insurance rates continue to climb as disasters such as floods, wildfires, and hurricanes are factored in. Rate increases that are double, even triple the cost of living are common, putting added pressure on cash strapped families everywhere. Fortunately, you can get a handle on your insurance costs by following these important money saving tips.

Combine Various Policies. If you own a home and you own a vehicle then buy your insurance from the same insurance business. Some insurance companies recompense customers who choose to package their various insurance policies, by offering discounts as high as ten or fifteen percent.

Refrain From Poor Habits. Smoking, drinking, taking illicit drugs can work against you. If you live “clean” make certain your insurance broker knows this. Your rate will be reduced correspondingly with your good health report.

Reduce Your Deductibles. Maybe a $200 home insurance deduction is too low. If you can manage a deductible of $500 or $1000 you can significantly reduce your premium. You’ll pay more if a situation arises, but how often do you file a claim anyway?

Cover Your Small Losses. If you are considering what will likely be a small claim, give thought to not submitting this information to the insurance company. Claims made by you, whether small or large, can push up your rates or even cause your policy to be cancelled.

Special Discounts. Depending on your age, driving record, even your credit score, there are special discounts you can take that will reduce your premiums. If you aren’t receiving discounts…ask!

Scrutinize Your Policy. Every policy is correct, isn’t it? Don’t bet on it! A wrong zip code could have your insurer thinking that you live on the wrong side of the tracks…literally! Rates can fluctuate from neighborhood to neighborhood; make certain that your rates are in line with what your neighbors pay.

Pay It All Now. Save on your premiums by paying the entire invoice up front instead of monthly or quarterly. Insurers will add on an extra fee to your premium if you choose to spread out your payments over time.

You could also save yourself money by staying with one insurer as most will reward regular customers with loyalty discounts. Furthermore, it could benefit you to have an alarm installed in your car or in your home, especially if you reside in a high crime area or visit neighborhoods where your car could be vandalized.

Adamheist
http://www.articlesbase.com/business-articles/save-big-bucks-on-insurance-78786.html

Choices for Cheap Auto Insurance in California

  By John | April 15, 2010 - 10:01 pm | Low Cost Car Insurance
3 Comments

Everything is expensive in California. The overall cost of living is quite high in comparison to many other locations. State minimums on car insurance coverage in California are higher than they are elsewhere. These two factors combine to create very high insurance premiums throughout the state. Nonetheless, while rates may be higher in California , there are many ways to save significantly.

Drivers in California should follow every available general suggestion on ways to minimize their insurance premiums. They should also shop around carefully, as rates can vary dramatically from one company to another. One reason for this is that California law allows insurers to charge based on previous payouts. If for whatever reason your insurer has paid an unusual number of claims, then your rates may be affected.

If you are in the market for reasonably priced car insurance in California, begin by determining which coverages you actually need. Many insurance companies have their own in-house minimums, which may be significantly higher than the state-mandated requirements. Check with the state to determine exactly what is required and insist that the insurance company begin with those numbers. Additional coverage will be determined by many factors including the value of your car, whether you are making payments and your financial resources.

Maintaining a clean driving record is the single biggest factor in keeping your insurance rates low. Safe driver bonuses are plentiful but may require a perfect record. Other discounts are available for full time students, members of various organizations, retirees and others. Make sure that you are taking advantage of every possible discount or bonus.

Buying auto insurance online can result in significant savings by avoiding the middleman. Companies such as esurance.com will allow you to compare auto insurance plans from competing companies side by side. Be sure that you compare identical products in terms of deductible, coverage and any additional products.

Consider a higher deductible. If you are a good driver with a low risk of accidents then it may be better to pay a higher deductible should an accident occur, as opposed to a high monthly premium. Before making this decision examine your budget to determine whether the money would be available to pay the deductible if needed.

Check insurance rates before buying a new car. Vehicles are classified by group and certain groups such as sports cars cost significantly more to insure. Your driving record also plays a part, meaning that young drivers of sports cars will pay much more than both young drivers with other cars and older drivers with good records who own sports cars.

Truly cheap car insurance is difficult or impossible to find in California. However a bit of persistence can pay off in significant savings. Shop around, drop unnecessary coverages and be sure that you are getting all applicable discounts. You will be able to find insurance that will fit your budget while meeting your needs.

Levi Quinn
http://www.articlesbase.com/insurance-articles/choices-for-cheap-auto-insurance-in-california-109299.html

Car and Insurance for Teen driver?

  By John | March 26, 2010 - 4:01 pm | Low Cost Car Insurance
1 Comment

I’m 16, turning 17 this year living in Houston, TX
I have had my license since August of 2009 and Insurance twice from August to November I think, and from January I believe, until now.
I never had any accident, finished Driver’s Ed., and have 3.6 GPA.
I’m getting my own car now, and I’m looking for low price car with good reliability and low insurance cost. Which car and which insurance company would be the best for me? I’m looking for something cool, sporty. I can drive manual.

For whatever reason, every insurance company has a different matrix for their pricing, so if one company, say, Geico, is cheapest for a Nissan Sentra, another company like State Farm might be cheaper for the exact same driver, living in the same place, with a honda civic. Ultimately, shop around for the car, look for something a few years old, they will be cheaper to insure and buy, and then after you buy the car, shop around for auto insurance to see who gives the best rates. I don’t know how Texas is, but in Colorado, the GPA didn’t help with insurance for the company I went through in high school, so that’s something to ask about too. If you had a price range, it would be easier to answer this question, as far as what to look for. Also, generally speaking, something that is cool and sporty often has higher insurance rates than something that, well, isn’t. Also, get an idea of what fits your lifestyle. Do you have a lot of friends who would ride with you? If so, don’t look at a 2 seat or even a 2 door car, a 4 door will be more practical. It sucks after a while when you have to get up out of your own car to drop a couple friends off.

Family Auto Insurance – How to Get the Best Rate

  By John | March 10, 2010 - 4:52 pm | Auto Insurance
3 Comments

Family auto insurance is a blanket term for auto insurance that protects all members of your family. If you have teenagers in your family, you know how much your insurance can increase when you add a teen driver. When you add young drivers to your family insurance policy, it becomes more important than ever to find the best rate.

Keeping Your Rate Low

To help keep the rate on your family auto insurance as low as possible, follow these tips:

* Enroll your son or daughter in a driver’s education course and in a defensive driving class. Insurance companies usually offer discounts for teen drivers who have completed these types of classes.

* Encourage good grades. Most insurance companies offer discounts to good students, meaning students with a B or better average.

* Consider getting your son or daughter a separate policy rather than adding him or her to your policy. If your child drives an older car and never drives your car, this step could save you money.

* Avoid buying your child a sporty new car or a sports utility vehicle. Opt for a safe and sturdy older model vehicle to save money on your insurance.

You also need to notify your insurance company if your child leaves home for college. Your family auto insurance policy usually covers a car that your child takes to college, as long as the parent is the registered owner. But depending on where the college is, your insurance rates could increase or decrease.

If your child is going to college in another state, you also need to make sure that your insurance coverage meets the minimum insurance requirements in that state.

The Internet Can Help

As you search for the best rate on family auto insurance, be sure to check out insurance comparison websites. On these sites you can get fast and accurate quotes from multiple A-rated insurance companies.

The best auto insurance comparison websites also offer answers to your family auto insurance questions by allowing you to talk online or by phone with insurance professionals. (See link below.)

Visit http://www.LowerRateQuotes.com or click on the following link to get family auto insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/family-auto-insurance-how-to-get-the-best-rate-177087.html

Secrets Of Cheaper Car Insurance

  By John | March 8, 2010 - 2:51 pm | Low Cost Car Insurance
3 Comments

Wouldn’t you love to get your car insurance at bargain rates? There are a number of proven ways to cut your premiums and, whilst most of them are no secret, many of us neglect to put them into practice. You just have to know what to do and where to go and your premiums could tumble.

Cutting the cost of your car insurance is more important than ever these days. According to the AA’s British Insurance Premium Index, the average annual comprehensive motor insurance premium is running about £822 annually. That’s it’s highest rate ever. But you can cut your car insurance premium in half if you shop around carefully and pay attention to a few little factors that can raise or lower your car insurance costs.

1. Shop around.

Shopping around is the key to getting the best possible rate on your car insurance. Whether you’re buying cover for the first time or renewing your existing policy, you should check insurance comparison sites to find the best possible deals. Ask for quotes from a number of different insurance providers – but be sure that you check the same options with each provider so that you are comparing like with like.

2. Get quotes from an insurance broker.

Insurance brokers represent many different insurers, so when you work through a broker, you can check prices from a range of insurers at the same time. Do keep in mind, though, that your insurance broker has an agenda as well – and will only tell you about the insurance providers that he or she represents.

3. Buy directly from the insurer.

When you cut out the middleman, you’ll save because there’s one less cut to be taken out of the pie. One way to benefit from both the variety offered by an insurance broker is to check quotes through a broker and then get a direct quote from the insurer’s web site.

4. Check multiple quotes through an insurance comparison site.

There are two kinds of insurance comparison sites. One is a broker site, where many insurers are represented and the web site owner gets a commission for each referral to an insurance company. The other type is the independent price comparison search engine which offers honest comparisons and reviews. You can apply for quotes online both through the broker site and at the insurer’s own web site and decide which offers you the best deal.

5. Get quotes for no-frills and internet-only car insurance

If you want comprehensive car insurance but are not bothered about all of the optional extras included in many policies, you could save money with simple, no-frills cover. These offer all the comprehensive cover basics to keep you on the road but cut out some of the options many drivers never use to save you money. You could also cut your premiums by using internet-only insurers who keep their overheads low by only selling and administering their policies online. They claim that these savings are passed onto the customer in lower premiums. Again, the key is to shop around and confirm these claims for yourself.

6. Buy your insurance online – but not before double-checking your quote on the phone or in person.

Buying online will typically save you 10% to 20% on your premium, but it’s not a hard and fast rule. Be sure to check with the insurer directly as well though.

Shopping around can really pay off but, keep in mind that there are other things you can do to cut your premiums as well. The top five tips for reducing your car insurance premium in addition to shopping around for the best deal are:

1. Reduce the number of miles you drive annually.
2. Add your partner to your policy.
3. Avoid making claims for small accidents.
4. Pay for your insurance annually.
5. Take an advanced driving course.

Simon Christopher
http://www.articlesbase.com/finance-articles/secrets-of-cheaper-car-insurance-326052.html

What Is The Average Cost Of Car Insurance?

  By John | February 20, 2010 - 5:21 pm | Low Cost Car Insurance
3 Comments

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.

Ian Wright
http://www.articlesbase.com/insurance-articles/what-is-the-average-cost-of-car-insurance–803560.html

Fleet Insurance: Courier Insurance on Steroids

  By John | January 7, 2010 - 10:04 am | Low Cost Car Insurance
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I know for sure that all of you operating courier services know exactly how important it is to have a good courier insurance coverage. It is also quite simple to find cheap courier insurance with good coverage to fulfill your needs. However, some still think of courier insurance as expensive, especially because they have to buy them at the very beginning of their courier business. It is definitely considered to be a cost instead of an investment, when it should be considered otherwise. Courier insurance will provide coverage not only for your car, but also for your customers’ goods being shipped through you. Imagine how hard and costly it is to deal with all your customers’ claims should something happen to one (or even some) of your armada. The good news is, courier insurance providers are offering competitive discounts and great rates for those of you who are looking for cheap courier insurance.

You need to insure all your vehicles. So what good can discounts do when there are plenty vehicles to be insured? Well, here comes the good news. Most of you probably do not realise about the availability of fleet insurance. Fleet insurance is basically several courier insurances combined into one insurance policy. Yes, this way, you can purchase courier insurance for all your vehicles and still get cheap courier insurance rates. The key to getting a great deal whenever you are buying courier insurance, or in this case fleet insurance, is to gain as much knowledge as possible about as many offers available as possible. Therefore, you will be in a better bargaining position and will more likely get great insurance rates.

Fleet insurance offers the same advantages as other bundled products. You will be able to buy bulk courier insurance policies at a reasonably low price. Make sure you fully understand the insurance policy offered by your insurance agent before jumping to any conclusions. It is the key to getting maximum protection at a reasonable price as well. If you don’t understand part of the insurance policy, never hesitate to ask. Interpreting the policy based on limited understanding will get you into trouble in the future. Fleet insurance should provide the same coverage as regular courier insurance, but it is designed to provide coverage for more than one vehicles.

Fleet insurance providers also give you the chance to purchase a custom-made courier insurance policy based on your courier business needs. You can reduce the cost of getting well-made courier insurance by adjusting the fleet insurance policy based on your courier business’s needs. Pay close attention to courier van or vehicle insurance, goods in transit insurance and public liability insurance policies; make sure they are protective enough to ensure smooth operation of your business.

Again, finding cheap courier insurance is really not as hard as it looks. All you have to do is take your time and do your homework. Search around for offers, and compare them closely before making any decision. Fleet insurance might be an option for those of you running a courier business with a lot of vehicles.

Eric Token
http://www.articlesbase.com/finance-articles/fleet-insurance-courier-insurance-on-steroids-755679.html

Unequal Auto Insurance

  By John | December 29, 2009 - 1:56 am | Auto Insurance
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Everything has its own differences. Everybody has individual differences. No two thing are created equally and exactly the same as the other….

All auto insurances are not created equal. They have differences too, in rates, policies and in terms.

You can visit auto insurance center which is a resource center that explains auto insurance in details or for convenience, you can search the net and visit plenty of other good sites to better understand the coverage.

The thing that determine your insurance rates include your driving record, tickets you’ve had in the past, your residency, you mileage, the type of car you have, the type of coverage you buy and where you buy your insurance company.

You can save up to 40% by purchasing auto insurance online. When shopping online, purchase you insurance from a reputable insurance company. It is best to check the rating of the insurance company you are planning to deal with.

When doing a comparison shop, get at least 10 quotes so you can compare thoroughly. Make sure that you are comparing same coverage. It would not be a fair comparison if you compare different policies.

For many reasons, all auto insurance is not created equal. Insurance companies uses formula to determine rates. Basically, they calculate the number of drivers they cover, the costs for the previous year including operating accident and liability claims and they perform some math to come out with the rates.

As what has been said earlier, it is to purchase from an insurance company that is rated well. Your savings aren’t worth anything if the insurance company you purchased your policy from has a tendency not to honor and pay out on claims, but rather weasels their way out. Make sure to check. Several big companies can be found online.

Most companies offer online insurance quotes. It’s tiring just thinking about the effort of driving halfway across the city to get rates then driving halfway around the city to another rate. It is so much easier to get online and make a couple of clicks with the mouse.

Now that you understand how auto insurance differs from one another, you can shop online and start saving money!

Roxel Pudol
http://www.articlesbase.com/insurance-articles/unequal-auto-insurance-90152.html

What’s wrong with car insurance?

  By John | December 28, 2009 - 5:22 am | Low Cost Car Insurance
4 Comments

I am a safe driver. I’ve never had a car accident or ticket. As a consequence of my choices, I pay very low rates for car insurance. Other people I know have had accidents and many tickets, they pay a lot for car insurance. In this system, each person pays a different rate based on the consequences of their choices and actions. So what is wrong with this system? Why can’t we use the exact same system for health insurance? If I eat right, exercise, and wash my hands then I will rarely get ill and should pay very low insurance rates. My neighbor eats junk food, smokes, and never exercises, has lots of medical issues and will for as long as he lives, shouldn’t he pay a much higher rate for insurance? Why would anybody want a government system in which we will both pay the same rate? That is blatantly unfair to me since I make good choices and wont get sick as often. Furthermore, I have the choice of lots of different car insurance companies (Geico, Allstate, Nationwide, Progressive, etc.), this competition drives lower costs and better service. Why would I want to give up choice in favor of a monopoly? What is wrong with our car insurance system that somebody would not want the exact same system for our health care?

Health issues do not always arise based on the irresponsibility of the individual. A person could still get cancer from any number of factors, or suffer a life-threatening injury that requires immediate treatment, through no fault of their own.

There is one key difference between car insurance and health insurance: car insurance covers virtually everything, while health insurance is highly selective. If your car is significantly damaged in a wreck, one need not worry…even if the car is completely destroyed, you’re still covered. Your premium will rise a great deal, but you’re covered nonetheless. With private health insurance, companies that place financial interests over your health can severely limit your coverage options. They can deny you for treatments that they deem to expensive, unnecessary, or experimental.

The human body is a much more complex machine than any car…problems can occur at microscopic and undetectable levels, and unlike cars, some problems cannot be treated easily or even treated at all. All the diet and exercise in the world will not prevent, say, leukemia. And what about pre-existing conditions? If your car has something wrong with it before you buy it, you can simply return it for another one, free of charge. If there’s something wrong with you at birth, like sickle cell or diabetes, you can’t sue your mother, or your genes…and insurance companies can deny you on the basis of this condition.

But the bottom line is, people are not cars. Cars can be crafted to exact specifications, and their flaws are entirely the fault of the humans who build and operate them…which is not a real issue, as so many cars have such uniform parts that they can be replaced at any time…the entire vehicle can be replaced with an exact replica if necessary. But each of the hundreds of millions of humans in this country is distinct, fragile, and irreplaceable. We cannot simply replace a person’s DNA, or just remove cancer cells and put in healthy cells (yet…but of course those options fall under experimental treatments which insurance companies will not cover).

Car insurance theories cannot ethically be applied to human life. Keeping profits as a priority over vehicular health, another consumer product, is fine. But placing profit over human health is where society should draw the line.

Why can’t I get a decent car insurance premium?

  By John | December 18, 2009 - 10:05 pm | Low Cost Car Insurance
13 Comments

I am a 27 year old male with no points on my licence, its been six years since any kind of accident, I have never been pulled over and given a ticket in my life. It seems that no matter what kind of car or what location Im in I can not get a good car insuarance rate. At one point I was paying over $4000 a year. I recently did an inquiry to see what it would cost to insure a 99 toyota tercell with an alarm, various anti-theft devices and in a state that is known for having lower cost insurance, plus it would only be for work and less than 10,000 miles a year in driving. I was quoted $209 a month! Other than one accident 6 years ago, I have a spotless driving record, why are my insurance costs so crazy?
Thanks for all the help everyone, but I forgot to mention that the $209 is just for liability with a $2000 deductible. This is with many different Ins companies. I think I am just unlucky.

have you kept continuous coverage, if not, that can raise your premiums. Also, I heard somewhere that insurance rates don’t drop for a guy until 30. Sorry!

Cost for car insurance for a teenager?

  By John | December 13, 2009 - 3:25 pm | Low Cost Car Insurance
5 Comments

I’m 17 right now and don’t really need a car (I do have a license though). When I’m 18 I will NEED the car to commute to and from college. How much is it going to cost to get insured – possibly to be added to a parent’s plan?

I’ve taken driver’s ed, have a high gpa… what else can I do to lower the cost?

PS. I’ll probably be driving a 1995 Geo Metro.
I don’t have insurance now.
What’s full coverage? I’ll need it for commuting every day of the week, so I imagine that I’ll need the extensive coverage.

Can anyone offer me a dollar estimate?

The minimum insurance you’ll need is liability. Insurance rates depend upon a multitude of factors.

ZIP code (where you live)
Amount of liability coverage you want
Amount of collision and comprehensive coverage you want
Amount of deductible
Marital status
Credit rating
Type of car
Student status & grades
Your age
Driving history
Citations in the past 3 years
Work history
How car is used – to & from work or do you use it in your work.
Estimated number of miles driven per year
Distance from residence to work/schol
…and about 15 other factors

Full coverage is liability & collision & comprehensive & under insured motorist & un-insured motorist.

Collision and comprehensive is only required by your lender if you finance the car. It’s optional if you want to bear the risk of losing your car due to an accident, theft or fire. If the car has little value, then you may not want Col/Comp coverage as the cost would be more that the car is worth.

Only an insurance agent can give you a dollar estimate that’s worth anything. Contact several. Keep in mind, cheap insurance comes with a lot of restrictions that can result in denied or limited coverage. Examples may be an accident as a result of a DUI, delayed reporting of the accident, etc. Read the policy before buying.

Wanting to buy a Car (uk) in group 1 insurance category whats’s out there?

  By John | December 6, 2009 - 10:47 am | Low Cost Car Insurance
3 Comments

as a first car i’ve been told to get an old banger (something around 10years old no rust) low CC’s (engine size) in group 1 insurance but i don’t know what cars would be in group 1 (the lowest insurance cost) i’ve looked online for a list but not found anything substantial

what would you suggest

It should be 4-door, 4-cyls, not sporty. I would prefer Honda or Toyota… First time drivers usually have much more expensive car insurance, and it depends from car. You should compare insurance rates while choosing the car – for example here – autoinsurance.maclenet.com

How do I know if my auto insurance company is frauding my?

  By John | November 2, 2009 - 9:40 am | Auto Insurance
4 Comments

My auto insurance company has been charging me fees, rate increases (originally I was told it would be a decrease!), and a whole other mess with the DMV. I have not had any tickets, accidents, or claims. No one has been able to satisfactorily explain to me why this is happening. How do I now if I have a case with the insurance commission/and or a small claims lawsuit?
My main problem is not the rate increase. The insurance company received my payment on time. But, they did not POST it until a few days later. sometime in this period of a few days, the DMV audited the insurance companies system and decided this was a lapse I guess. I had to give the DMV 500.00 or lose my registration. This was 6 months ago. It took us 4 months to get the insurance agent to tell us what really happend (they are good at the runaround game). They said that they had sent the paperwork to the DMV and that we should be getting our check in 30 days as the insurance compay was at fault. This month my insurace is 100.00 more and I called the DMV and they recieved the paperwork, but not a follow up call they were supposed to get. Since I called them, I personally was able to give the OK to send the packet to the refund department. My insurance company says that the extra 100.00 is for "reinstatement of coverage", coverage I never lost in the first place.

you can visit the company’s official website from where you can know about the insurance procedure / rates etc.

usually the vehicle is insured on the depriciated price and if the same company is continued every year, then they give the no claim bonuses.

There is a unique number called the "Cover Note" number from which you can trakc down your insurance details from the company.

Wish u luck Buddy!!!!