How To Save on Car Insurance

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How does the insurance company determine my premium?

When hunting down cheap car insurance, “How do insurance companies determine my premium for car insurance quotes?” is a common question drivers ask themselves, and it’s a very good question too. Unfortunately, you can’t just tell a car insurance company to “Determine my premium is the cheapest!” However, understanding the insurance industry basics of how...

When hunting down cheap car insurance, “How do insuran...

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Fast 5 Car Insurance Discount

Car insurance can be expensive. Learning about car insurance discounts can help you save money. Below, we’ll discuss the Esurance Fast 5 car insurance discount and other ways you can save money on car insurance from Esurance. Enter your ZIP code into our free quote comparison tool above to compare car insurance quotes from companies...

Car insurance can be expensive. Learning about car insurance...

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Family Legacy Car Insurance Discount

Knowing as much as possible about car insurance discounts will help you save money. If your family has been loyal to a particular car insurance company, you may qualify for a family legacy car insurance discount. Read more below to find out. Before learning more about the family legacy car insurance discount, enter your ZIP...

Knowing as much as possible about car insurance discounts wi...

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Green Vehicle Car Insurance Discount

When you decide to buy a hybrid or electric car, you are probably looking forward to saving a significant amount of money on gasoline. On the flip side, however, you might be wondering “do hybrids cost more to insure?” In addition, you might wonder if your new “green” vehicle will qualify you for a discount...

When you decide to buy a hybrid or electric car, you are pro...

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Garaging/Storing Car Insurance Discount

A few companies will offer you a garaging/storing discount if you park your car in a garage. Since your car is less likely to be stolen if it is inside a garage, you can get a break on your car insurance. USAA offers a different kind of discount up to 90 percent off if you...

A few companies will offer you a garaging/storing discount i...

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Forward Collision Warning Car Insurance Discount

A forward-collision warning car insurance discount seems like it would make a lot of sense. You would think that car insurance companies would offer big discounts to people who have advanced safety features in their cars. They don’t. There are a number of reasons why there is no collision avoidance system insurance discount, but the...

A forward-collision warning car insurance discount seems lik...

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Federal Employee Car Insurance Discount

If you work in or for the government, you should find out if you qualify for a federal employee car insurance discount. Car insurance carriers will provide federal employees with discounts on coverage based on their government service. However, not all car insurance companies offer discounts to federal employees. Federal employee car insurance discounts also...

If you work in or for the government, you should find out if...

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Engaged Couple Car Insurance Discount

If you’ve recently become engaged to be married, then congratulations! You’re no doubt thrilled to be setting the date for your wedding and settling down with your future spouse. But did you know that you could receive an engaged couple discount on your car insurance? Many married couples receive discounts for bundling their insurance policies...

If you’ve recently become engaged to be married, then ...

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Emergency Deployment Car Insurance Discount

GEICO offers an emergency deployment auto insurance discount of 25 percent for members of the military that meet certain requirements and also offers a discount of up to 15 percent for military members in general. Even though GEICO offers affordable car insurance with an emergency deployment discount, you should still shop around to make sure...

GEICO offers an emergency deployment auto insurance discount...

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Early Signing Car Insurance Discount

Since almost every state requires you to carry auto insurance by law, you need to either renew the policy you already have or buy a new one from a different insurance company before your current insurance expires. If you buy coverage early, you can take advantage of an early signing insurance discount that many insurers...

Since almost every state requires you to carry auto insuranc...

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Distant Student Car Insurance Discount

Sending a child off to college is usually an expensive endeavor, and every opportunity to save some money can help. If you happen to be said college student, managing your college costs and other finances will not be an easy feat. Fortunately, it’s possible to save some money on car insurance with a distant student...

Sending a child off to college is usually an expensive endea...

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Adaptive Cruise Control Car Insurance Discount

Do you have a safe vehicle? Maybe you’re looking to purchase a new car, and safety features are high on your list of priorities. If so, those safety features might save you money on your car insurance. One example of this is the adaptive cruise control discount. Read this article for more on this discount,...

Do you have a safe vehicle? Maybe you’re looking to pu...

The Real Costs Associated with Buying a New CarPost

The Real Costs Associated with Buying a New Car

Buying a new car can be a huge financial responsibility. Not only do you assume the payments for the automobile, but you also have to take responsibility for all of the associated costs, including fuel, tires, oil changes, and more. Insurance alone will end up being only a little less than the amount of the car payment by the time the loan is paid off, and if you have a few smudges on your driving or credit history, the cost could be higher than what you pay for the car.

Buying a new car can be a huge financial responsibility. Not...

The Best Ways to Get the Cheapest Car Insurance QuotesPost

The Best Ways to Get the Cheapest Car Insurance Quotes

Many people wonder how to get cheaper car insurance quotes. Car insurance premiums are calculated utilizing a variety of indicators that vary from one insurance company to the next but there are some that are common to most. May car insurance companies also offer various discounts that can be taken advantage of when getting a quote. To get cheaper insurance rates, making sure that your quote profile looks most appealing will help you get the best coverage at the best rates. Below are 18 ways that you can go about getting the cheapest car insurance quotes.

Many people wonder how to get cheaper car insurance quotes. ...

Car Insurance Startups Change How You Buy Car InsurancePost

Car Insurance Startups Change How You Buy Car Insurance

Traditional car insurance base driver’s rates on a number of factors. There is usually a very long and detailed questionnaire, that ask questions like number of eligible drivers in the house, how long have you been driving, your current zip code, your age, the number of accidents, number of any moving violations, do you rent or own your home, job title, highest level of education, the number of miles driven etc. Now you may ask yourself, what do all these questions have to with getting my car insured? Traditional care insurance companies take the answers to all these questions and load them into an algorithm to determine the risk factor of you having an accident. Based on those answers, or the results the algorithm uncovers, traditional car insurance companies will decide to insure you or not insure you, or give you a higher rate. The bottom line is traditional car insurance is based a combination of many factors, but the most important factor is demographics and driver’s history.

Traditional car insurance base driver’s rates on a number ...

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Free Auto Insurance Quotes

Shopping online for auto insurance is fast and easy. Using our quote form, we'll help match with local agents and insurance companies that can instantly provide you with multiple auto insurance rates.

Shopping online for auto insurance is fast and easy. Using o...

Compare Car Insurance QuotesPost

Compare Car Insurance Quotes

The best way to find high quality, affordable car insurance is to compare car insurance quotes online. Car insurance policies differ from state to state and company to company, but you can narrow the choices down to the companies which have the most to offer you if you compare car insurance quotes before you make the purchase.

The best way to find high quality, affordable car insurance ...

How Bankruptcy Affects Your Car Insurance RatesPost

How Bankruptcy Affects Your Car Insurance Rates

Filing for bankruptcy can affect the rates you pay for auto insurance along with your other financial concerns. Because a bankruptcy affects your financial stability and because insurance companies look at your credit score to determine the risk of insuring you, filing a bankruptcy could have serious implications for your car insurance. Filing a bankruptcy is going to give you a bad credit score and a higher rate for car insurance is one of the side effects.

Filing for bankruptcy can affect the rates you pay for auto ...

Defensive Driving Courses Can Lower Insurance RatesPost

Defensive Driving Courses Can Lower Insurance Rates

One way to reduce the cost of car insurance is to take a driver improvement course. The idea, from the insurance company perspective, is that people who take an active interest in being better drivers are also going to be a lower risk, and since the company saves money, they pass the savings on to you. Defensive driving courses are not the only way to save money on car insurance, but taking one will definitely be a step in the right direction.

One way to reduce the cost of car insurance is to take a dri...

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Going to Traffic School Can Lower Your Car Insurance Rates

Attending a voluntary driver improvement course is a way to get cheaper car insurance rates that many people are not aware of. If you are trying to fit the coverage you need into a budget you can afford, traffic school is a possible option to lower your car insurance rates. Keep in mind that you will have to pay the cost of the course, but the discounts will typically more than make up for what you have to pay out a single time for the course.

Attending a voluntary driver improvement course is a way to ...

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