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Snowbird season is one of the busiest season of the year for auto transport. American Auto Transport can help you transport your vehicle down south for a sunny winter. It doesn t matter what kind of vehicle you have, whether it s a car, truck, SUV, or More

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Shipping to Hawaii is one of the most requested shipping services here at American Auto Transport, and we re quite good at it. In fact, we transport so many vehicles into and out of Hawaii that our shipping partner, Matson Navigation, has given us a pro-rating More

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American Auto Transport is dedicated to delivering the top-quality auto transport at competitive rates. Our 10+ years of experience has allowed us to get the job done cheaper, better, faster, and for less.

If you’re interested in receiving the nation’s best auto transport services for less, get your free quote today by filling our the quote form, or by calling (866) 327-7863!


Car Refinance, Auto Loan Refinancing, OpenRoad Lending, refinance auto loan with bad credit.#Refinance #auto #loan #with #bad #credit


Love Your Car, but Not the Payment?

  • OpenRoad Lending has a 98% customer satisfaction rating
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Why OpenRoad Lending?

  • Trusted Across the Nation OpenRoad is a trusted member of the American Financial Services Association, A+ accredited by the BBB, an Inc. 500 fastest growing business and a Dallas Business Journal Best Places To Work Company
  • Low Rates and Amazing Savings OpenRoad has refinanced tens of thousands of auto loans and to our customer’s delight saved an average of more than $100 a month. That’s over $1200 a year
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Auto Transport, Professional Car Shipping Service, Car Transport Quotes, auto shipping quotes.#Auto #shipping #quotes


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Auto transport is all we have done for the past 8 years. Our mission is to provide our clients with most competitive quotes as well as the best customer service from start to finish. Whether you are transporting a sedan, classic automobile or a luxury sports car, we offer open and enclosed trailers with rush car transport delivery. Our customers get competitive pricing with 5 star rated service. Your auto transport rates include insurance and no other hidden fees or surcharges. Auto shipping quotes

Our Experience

We will match any price quoted by a 4 or 5 star rated Company on Transport Reviews. The matched price will only be valid for up to 5 days. If a driver cannot be secured within the 5 days, the price will be raised to the original quote. If the order is cancelled, a $50 cancellation fee will be applied.

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We Understand

Ship Any Car understands that having someone transport your auto is no small matter – your car is not only an expensive possession, it’s also part of the family. Our 5 Star ShipAnyCar Approved Carriers take great care to ensure that your car is protected from start to finish. And unlike other carriers, once your car is on our transport, it doesn’t get off until it reaches its destination – there’s no loading and reloading at big consolidation centers. Minimized handling means a minimum risk of problems. Ship Any Car, LLC is proud to offer our customers with affordable and reliable car shipping services nationwide. Auto shipping quotes

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Our company is licensed (MC#613045), bonded and insured. Whether you need to move a luxury sedan, a SUV, a classic car or a pickup truck. we can handle all of your car transport needs. In addition to car shipping , we also provide vehicle transport services for motorcycles, heavy equipment, boats and RV’s. We are your reliable car transport company!

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Ship Any Car delivered a Toyota Camry for Crystal Brennan and on 10/22/2012 customer wrote:

“After shopping around for the most competitive prices to get my car to Florida for a job relocation, I found that Ship Any Car gave me not only the comfort to hand my keys over to them for 2 days but also didn’t drain my moving budget. “

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Compare Auto Transport Quotes Save!

Auto shipping quotes

By filling out the form at the top of this page, you can get free instant online auto transport quotes for car transport and car shipping companies in your area. Once you have those quotes, speak with each transporter independently to find out what they offer and which estimate and service most closely fits your needs.

Working with Auto Transport Quotes

Obtaining a quote from CarShippingQuote.com means that you will be provided with multiple quotes customized to your needs from car shippers that comply with FMCSA (Federal Motor Carrier Safety Administration) regulations and are qualified to help you in moving your car to its new location.

When comparing car transport quotes from multiple auto transport companies, look at the services that are offered and see which companies will provide the best care and quickest transport for your vehicle. Car shipping rates are usually dependent primarily on weight, but there are also additional costs which may be incurred depending on the type of car. Classic and luxury cars may need extra safety precautions taken to insure that no damage comes to the vehicle.

Keeping Auto Transport Companies Informed

Once you have a basic auto transport quote and start talking to car shipping companies in your area, make sure you let them know about any additional components of your car, such as camper shells and lifts, so that they can provide you with any modifications to your initial auto transport quote. If you find that one company s carrier gives a slightly higher quote, but offers additional car transport services which you want to take advantage of, it may be worth letting them know that you are talking to more than one car shipping. In some cases, there may be room for adjustment in their car shipping quote if the car transporter feels this will help them gain your business.

For the consumer, a best case scenario would be to have multiple auto transport quotes from car transport companies, a clear idea of your needs for transport, and an idea of what your budget is for transport. With these three things in mind, you can then approach each company individually, outline your needs, and negotiate the best price from the service you feel most confident in and happy with. Remember that, as the consumer, you are paying for a service which should give you peace of mind and the knowledge that your car is being protected while being shipped.

Following the above guidelines when looking for auto transport quotes should ensure your needs are met by the best carrier possible. Fill out our form to start your search for a car shipping!


National Auto Shipping, Car Shipping Company, (877) 393-3232, auto shipping.#Auto #shipping


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National Auto Shipping is proud to present their Auto Transport Facebook initiative. All visitors who Like National Auto Shipping Facebook page will enter our monthly sweepstakes to receive $500. Also Check out our recent short How Car Shipping Works Video :

Welcome to America s leading auto shipping service

For years, National Auto Shipping has been providing clients with affordable auto transport and auto shipping options. Our knowledgeable and kind staff members work with clients on an individual basis, keeping them updated of their vehicle s status and adding a personalized touch to the overall process. Our customers trust us because they know who their transport manager is and they know they can call if any questions arise. They know they aren t just another number. On our end we know that your car is important to you, so we make sure you know it is important to us that it gets where it s going without a scratch. You never have to wonder where it is or the miles remaining, because with National Auto Shipping we make sure to keep you informed.

Anywhere State to State Car Shipping

No matter where you need to ship your car to, we can provide you with dependable auto transport anywhere throughout the United States, including Alaska, Hawaii and Puerto Rico. Regardless of the distance traveled, we work hard to keep our prices for international car shipping as competitively low as possible. We provide lower rates for auto transportation than many of our competitors and it is not uncommon for our competition to charge other people outrageous prices for auto transport services because they know that people don t have many other options. We keep this in mind when setting our prices, and you will be pleased to find that our prices are, if not fair and affordable, the best.

Top Notch Customer Service

At National Auto Shipping, we treat all our customers with the respect and courteous attitude they deserve while providing them with fast service and competitive rates. We want to meet or exceed every client’s expectations so as to leave them satisfied with each auto transport transaction. That is what all of our team members are trained to do and work hard daily towards achieving that goal. Our customer service is perhaps what sets us apart from other car shipping companies the most. Many of our clients who tried other auto shippers report being provided sub-standard customer service and offer little more than the basics of auto transport. At National Auto Shipping we go the extra mile to make certain we ve done everything in our powers to keep our customers satisfied. If you would like to tell us about your auto transport experience or give feedback send us a message by clicking here.


Tricks of the trade: Insider tips for buying a new car – Covered mag, presented by, buying a new car.#Buying #a #new #car


Tricks of the trade: Insider tips for buying a new car

Buying a new car

  • 19 Feb, 2013
  • | by Chris Pollitt

With the latest registration mere weeks away, there’s a good chance plenty of you are looking forward to hitting the dealerships in the hope of filling your driveway or garage with a nice, shiny ‘13’ plate car.

With that in mind, we’ve compiled five insider tips to give you the confidence you need to not only walk into that showroom with your head held high, but to also help you save money.

1) Read the margins

Everyone knows that everything for sale has a profit margin within the retail price, and what you’ll be expecting next is for us to tell you that every new car carries huge margins meaning potential savings of thousands.

Well, sadly, we’re not, as new cars simply don’t have the margins you might think. So, be realistic when negotiating the price. If you demand £2,000 off, the salesman will have to say no – not because he’s playing hardball, but because he simply can’t do it.

Then there’ll be frustration, embarrassment and neither the dealership nor you will benefit.

Ask for £500 off, though, and you should be onto a winner – the dealer isn’t going to lose your business over that.

2) Factory fresh?

On delivery day, would you be able to spot the difference between a car that was built three months ago and a car that received its final nuts and bolts three weeks ago? No, we couldn’t either.

Yet people still deem ordering a ‘factory build’ as the best thing ever. If the dealer tells you he’s found a car in group stock that’s built, he’s trying to help you get your car faster.

Unless you absolutely have to have it painted in that shade of green the manufacturer put in the brochure for a bet, or if you simply must have the £600 optional sat-nav that’s made to look like an antique next to any modern £149 offering, consider giving it a miss.

Physical stock is your friend. It’s built, it’s waiting for you and it’s an asset to the manufacturer, and an asset they need to sell. Factories build cars no matter what – there’s no reason to offer you a discount when it’s still a steel sheet.

3) A question of time

If we could show you a monthly or quarterly projection for a dealer’s business, you’d probably make some sort of spluttery, panicked noise. Basically, they have to make a hell of a lot of money and brilliantly, they normally don’t worry about it until the last minute.

Walk into a dealership on the last weekend (or better yet, the last day) of the month and salesmen will fall over backwards to do you a deal. Walk in at the end of a quarter, though, and you’ll be treated like royalty. You will almost certainly be offered all manner of discounts, but please don’t snort in derision when the salesman tells you they only apply if the car is registered that month. He’s not lying.

That car you’ve fallen in love with becomes ‘just’ stock as soon as the calendar hits the 1st, and the salesman won’t be in the mood to do an amazing deal, as he’ll be getting a telling off from his sales manager because the dealership missed their target.

4) Mind the GAP. and the paint protection

It’s no secret the dealer is going to try and sell you extras with your shiny new car, the main two being GAP (Guaranteed Asset Protection) and some kind of paint protection.

The dealer is going to want you to take these things. You’ll be told how amazing they are and you’ll be told you simply must have them.

Well, GAP can be quite a good thing to have, but maybe not from the dealer, because it’ll be about £400 – far more expensive than it should be.

For those of you who don’t know, GAP is normally a three year policy which, at its core, will return you to the amount you paid for the car in the event of a total loss by making up the ‘GAP’ between the invoice price and whatever the current market value is at the time the car is written off. But you don’t need to pay £400 for it.

A quick internet search will turn up no shortage of reputable companies who can offer you GAP from £150 for three years of cover.

Speaking of searching on the internet, you can run a quick car insurance quote on the hop with your mobile device – if you have one that is – while you’re at the dealership, so you can know how much you should by paying for your annual cover. Handy, that.

As for paint protection, well, it’s normally around £300. But here’s a secret: washing and waxing your car keeps it clean, not a £300 bag of ‘miracle’ polish that cost the dealership £50.

5) The part exchange

It’s the simplest thing to overlook in the buying process because it is, after all, the car you’re getting rid of. But while it may be of no further interest to you, it can still hugely useful.

The dealer will offer you what feels like £4.99 for the car you’ve cherished for the last five years, so why not sell it yourself? You may be in a prime position, too, as all you need to do is get more than what the dealer offers.

Try getting the dealer to appraise your car and put a value on it – there’s no obligation to include your car within the deal – then, when you’ve scoffed at their offer, simply advertise it for around 15-20% more than the dealer’s figure and wait.

Your increase on the dealer’s offer may still undercut most other private sales and you’ll also have more money to put towards that shiny new car.

With these tips, you may be able to save a huge amount of money, but there is just one thing to remember, and that’s the fact that you’re in control all the way.

The dealer wants your business and they’ll do anything to get it, but that’s a good thing

Ignore the clichés and stereotypes – the dealer wants you to not only buy, but to buy when you next want a new car and to also recommend their services.

It’s a buyer’s paradise out there, and with these tips at hand, you’re all set to grab a bargain!


Guaranteed Online Personal Loans – Apply Online NOW – Instant Decision – Bad Credit OK, guaranteed auto loans.#Guaranteed #auto #loans


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Guaranteed Online Personal Loans

There are two main types of consumer loans within the United Kingdom, the secured and unsecured loan. The secured loan is a loan which is secured against an asset, usually the borrower s property. If the borrower fails to keep up repayments on the loan, the lender may decide to claim their money back by forcing the borrower to sell the asset which the loan was secured against. Since the global financial crisis, the days of guaranteed online personal loans have to some extent become a thing of the past. However, as the financial situation around the globe improves over the next few years; loans are again going to become easier to obtain. Guaranteed online personal loans are considered to be the feasible way of finding secured loans as the process tends to be free from all the drawn out formalities. By applying for a guaranteed online personal loan which is secured, the funds can be made available in a fraction of the time it takes to obtain an unsecured loan.

There are two ways to secure cash. One is by approaching traditional lenders. The other is by looking online. The traditional method of availing loans can prove to be a time consuming task. It is not a hassle free way of availing loans. However, if you were to look online, you can get the loan approved in a short period of time.

The cash would be deposited into the account of the borrower soon. But, you must ensure you keep up with payments. By paying back the loan on time, you can prove to lenders that you are trustworthy. In future, they will be more eager to offer you loans. Or else you may have to pay late payment fees. This can create a negative impact on you credit score. Instant guaranteed personal loan is one of the best ways of availing loans. They can use it to finance any of their needs. Generally, these loans are provided at a lower interest rate to borrowers. This has made these loans extremely popular among borrowers.

How Do You Find The Guaranteed Online Personal Loan Companies

The best way to locate these types of companies is to go to one of the internet search engines and type in bad credit personal loans. These companies will charge you a small fee to either send your loan application to different high risk lenders or they will give you there list of lenders. Either way, this is the best way to quickly find the type of lenders that will help you get a loan and rebuild your credit.

Guaranteed online personal loans will provide you the convenience of applying for funds online without having to leave your home. There are certain requirements that you will have to meet to be considered for guaranteed personal loans. Most lenders require you to have a certain income level per month as well as have a relatively high credit rating. Others may require you to have been at your current employer for a certain length of time and will require documentation of this plus documentation of your rate of pay. Guaranteed online personal loans may come with a limit on the amount of money you can borrower and this may be affected by your credit score.

An Easier Way to Get Your Guaranteed Personal Loan?

The good news is, yes. Today you can easily search online for lots of personal loan providers and lenders who are ready to help you.

Just imagine how much time and petrol fee you will save by doing all the application process and research online, from the comfort of your home.

You can search and find reliable loan companies online and ask all your questions from them by phone or email. Then you can compare their options and rates easily online as well.

By using the Internet to find your wanted personal loan online, you are guaranteed to find better rates and faster loans than doing it manually in the offline world.

When you find it difficult to fetch the finances that you need, you must seek help from financial experts. They can guide you get suitable type of loans. You can be rest assured that your personal information will be kept absolutely safe and secure. You can discuss with the financial experts regarding how to procure such loans. They can help you in all your endeavours.

Once you are happy that you credit file is accurate, it is time to get your credit score. This will give you an indication of the likelihood of you being successful should you apply for mainstream finance. If your score is above 850, it is highly likely that you will be successful should you apply for finance. If this happens to be your case congratulations, you are one step away from getting the guaranteed online personal loan to live your dreams. If this is not the case, do not despair; as long as you face your debts and have a debt management plan in place, getting a guaranteed online personal loan is not to far beyond the horizon.

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Car Loans for Bad Credit, Get Approved today even with bad credit, auto financing for bad credit.#Auto #financing #for #bad #credit


One of the most common questions we receive about car loans for bad credit is:

Is it actually possible to get an auto loan for bad credit, even a very bad score, or maybe even no credit at all? If so, what s the catch? Thousands of people looking for car loans for bad credit purchase vehicles every day, so it s definitely possible! The reasons are pretty simple:

In a down economy, where more and more people are experiencing credit challenges (bad credit), banks must become less strict in their lending requirements in order to continue business. A auto loan for bad credit may not have the same interest rate as a car loan on great credit, but banks and dealerships have had to become more competitive because the number of individuals with “perfect credit” is dropping year after year.

This means that your car is collateral, and banks are much more willing to finance an auto loan for bad credit because of this. While they won’t admit it, banks realize that a bad credit score doesn’t mean you won’t pay your bills. In some cases, an individual who has recently filed bankruptcy is in a better position financially to make their payment than someone who has a higher credit score! They also know that a car loan is also a great way to improve your credit. If you have a good payment history, a bank will want to maintain your business, hopefully giving you more loan opportunities in the future because of your good history.

In a new car franchise, it is sometimes more important to sell a car than it is to make a huge profit on that car. Car manufacturers pay dealers incentives based on the number of cars they sell, not what they sell them for. The more cars sold, the larger the incentives become. Some dealers are willing to sell the car at cost, or even below cost, which makes financing the car much easier. Some dealers will even finance the car in-house, giving people looking for car loans for bad credit or people with severe credit problems loan opportunities that they wouldn’t have any where else.

That s why when we say we can help you get a car loan regardless of your bad credit problems, we mean it!

We have been in car loans for bad credit business since 1989 (online since 99), and we understand how the system works, and how it has changed over the years. Our application process is designed to give you the a chance to evaluate your best options (we specialize in helping obtain car loans for bad credit scores). It only takes a few minutes to apply online, and leave the rest to us!

We can t wait to help satisfy your auto financing needs!

Not a Problem, We Have Solutions!

Bankruptcy can be a difficult process to go through, finding financing for an auto loan after experiencing Chapter 11 or Chapter 13 should not be.

We specialize in helping individuals with poor, bad, no credit, and bankruptcy get approved for auto/car financing. Apply Today!

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Demystify Financing!

Some of the terms in the car loans for bad credit business, or that are used to describe auto loans for bad credit financing can sometimes seem a little strange. We ve compiled a few lists to help take some of the mystery out the vehicle lending process.

Work with the Best!

AutoApproved was formed by a family that has been helping people obtain car loans for bad financing since 1989. We are the best when it comes to matching you with the most competitive finance terms, regardless of your past credit history.

We’ve Got You Covered!

Our bad credit car loan application is designed especially for auto, car and truck buyers with credit problems, no credit, or unique sub prime auto loan requirements. We also are continually developing articles to help understand auto loans and financing.

We can help you find car loans for bad credit – no problem!

The Place for Auto Loans for Bad Credit

What we do is very simple, we help individuals and families who are buying a vehicle (car, truck, van, etc.) who have poor or bad credit scores get approved for auto loans. The process is simple: we gather information about the car buyer in order to pair that individual with a car dealer who has the available resources to get them approved for sub-prime auto financing, sometimes with as little as $0 down. AutoApproved.com is working for car buyer by using our extensive network of relationships to help connect you with the right car dealership to help provide you with the best car loans for bad credit options.

Bad credit. Poor credit. No credit. No matter what your your credit history looks like, we can find the right solution for your automobile lending needs. We have trained lending professionals working to help meet your financing requirements and partner you with the best lending auto solution.

*The information you provide is for the purpose of arranging vehicle financing, it is not used without your knowledge for other purposes. See our privacy policy for more information.


Connects Interested Auto Buyers with Local Auto Dealers Regardless of Credit Type, auto financing for bad credit.#Auto #financing #for #bad #credit


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BarNone was founded in 1995 for the purpose of helping the millions of working people who, because of credit discrepancies, are not able to obtain auto loans to purchase a quality vehicle in a “conventional” manner. BarNone has offices in Michigan and California and maintains a 24-hour call center.

When you’re looking for an auto loan, it pays to shop around. BarNone helps you compare auto loan rates and loan terms from multiple lenders. Compare different types of automobile loans, including new car loans, used car loans, and refinancing options, whether you’re buying from a dealer, or a private seller.

At BarNone it doesn’t matter if you’re someone who is interested in getting a traditional auto loan or if you desire to lease a car from a local dealership, we will help you pick the best solution no matter what your credit scores look like.

Take a moment and fill out our quick application, and after it is completed one of our financing experts will contact you.

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“I just wanted to let you guys know what a great service you have. I contacted you guys yesterday, and then was contacted by a dealership, and was approved within the hour. Today I’m driving a new car. Once again thank you so much; keep up the good work! “

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“Just wanted to say thanks for helping me get a car! You referred me to a dealer in my area who helped me finance the car I wanted when no one else would even talk to me! You guys are the best!”

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“I was very skeptical of the advertisement I received. I went to the dealer listed & I was totally amazed! We found the exact minivan we have been wanting & needing. We were treated better than we had ever been in ANY retail environment. I’ve been applauding & telling all of my friends/co-workers about BARNONE!”

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How Much Car Insurance Do You Need? Personal Finance, auto finance companies.#Auto #finance #companies


How Much Car Insurance Do You Need?

  • Check out your state’s minimum insurance requirements. It’s possible that the minimum coverage required might not be that different than what you really need.
  • When deciding how much coverage you need, make sure you’re covered for an amount equal to the total value of your assets.
  • To keep premiums low, choose collision coverage with a high deductible, and plan to pay routine repair costs with your own money.
  • Feedback

    Your auto insurance is a collection of different policies that cover you in different ways. Here’s how they break down:

    Liability coverage – These policies help cover liability and expenses when you’re at fault in and accident. The money will go to the people you hit, but it won’t cover the people in your car.

    Bodily Injury Liability (BIL) – This policy pays for the medical expenses of people injured in a crash in which you re at fault. You’ll often see BIL policies described as a “20/50” policy or a “100/300” policy. These numbers describe the maximum dollar amount the policy will pay for a single person’s injuries and the maximum for all the injuries sustained by all the occupants of the other car. For example, a 20/50 policy will pay a maximum of $20,000 for a single person’s injuries, and up to $50,000 total for the injuries of everyone in the car you hit.

    Property Damage Liability – This policy pays for damage done to the other car if you re at fault in an accident. Property liability is sometimes referred to alongside BIL as a third number, so a 20/50/10 liability package will cover up to $10,000 for damages to the other car.

    The following policies cover you and your card in an accident:

    Personal Injury Protection (PIP) – This covers your and your passengers’ medical expenses after an accident. If you lose time at work because of your injuries, this policy may also cover lost wages.

    Uninsured/Underinsured Motorist Coverage – This helps cover costs if you are hit by someone without insurance, or minimal coverage.

    Collision – This policy covers repairs to your car after an accident.

    Comprehensive – This policy covers costs if your car is stolen or damaged outside of an accident.

    Nearly every state requires car owners to carry auto insurance, and most states have required minimum values for different policies. If you don t carry insurance, the state can impound your vehicle. To find out what your state’s minimums are, check out this Web site.

    Minimum coverage isn’t necessarily all you should have. New Jersey, for example, requires car owners to carry a 15/30/5 liability package. If you re involved in a serious accident, it’s possible that an individual’s medical expenses could exceed $15,000, or a group s expenses could total more than $30,000. In addition, $5,000 for car repairs isn’t a lot, considering that the average car now costs a little more than $20,000.

    You re on the hook when costs exceed your coverage limits. That’s why many people opt for policies that cover more than required minimums, particularly if they have assets that can be seized to pay for repairs and medical care.

    A good rule of thumb: Make sure you re covered for an amount equal to the total value of your assets (Add up the dollar values of your house, your car, savings and investments).

    How much insurance do you need for yourself?

    You probably don’t need to spend a lot of money on a Personal Injury Protection policy. You should be covered if you have health insurance and disability insurance through your employer. Just buy the required minimum.

    You do need to make sure you have adequate coverage against uninsured and under-insured drivers. It’s relatively inexpensive in most states (something like $40 a year for $100,000 worth of coverage) and if you are in a collision with an uninsured driver, will help cover costs your health insurance won’t. If you ve decided to carry BIL for $100,000/$300,000, do the same for yourself.

    Collision and comprehensive coverage is worth having if you would want to repair or replace your car after an accident. These policies have a deductible (the amount you have to pay out-of-pocket before coverage kicks in), and they pay out based on the current value of your car, not what you paid for it.

    Choose the highest deductible you can afford, because a higher deductible will significantly lower your premium. You re seeking coverage for major damages to your car, not for every little thing that can go wrong. It’s better to spend $500 of your own money on minor repairs every so often than pay an extra $50 a month whether you need repairs or not. Save collision insurance for when you have car repairs that cost thousands, not hundreds. Remember, if you submit a claim for every little thing, your premium will increase.

    A handful of states require car owners to carry no-fault insurance, policies that pay out no matter which driver is at fault in an accident and limit your ability to sue other drivers.

    Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Puerto Rico requires car owners to carry this protection, though the rules around how these policies work vary by state. These policies tend to be expensive, so be sure to shop around for the best deal if you live in a no-fault state.

    How to Shop for Car Insurance

    Once you ve decided how much car insurance you need, it s time to begin shopping. Auto insurance policies vary widely depending on your car, your driving record and your credit, so it s wise to do some research.

    Go to insweb.com and Insurance.com and fill out the application form. After a short time, you’ll receive comparable quotes from several insurers. There are three kinds of insurers:

    Direct sellers – You re likely familiar with these brand names, such as GEICOs and Progressive. These companies sell coverage directly to you, bypassing traditional insurance agents. Since there’s no agent, there’s no commission; theoretically the savings are passed on to you. But these insurers accept only the best drivers, so you may have trouble qualifying for coverage if you have a history of accidents or moving violations.

    Large national brands – Allstate and State Farm are better equipped for drivers with a bit of a blotchy past, and their rates are usually pretty good (they may even be able to match some of the offers from the direct sellers). These companies sell through local agents, but their agents are exclusive—a State Farm agent sells State Farm coverage and nothing else, so you ll have to do your own comparison shopping.

    Independent insurance agents – These sellers offer all kinds of insurance from many different companies. If you have any issues affecting your ability to get coverage (such as a patchy driving record or a teenage driver in your house) independent agents can usually find you better coverage at better prices than what you’d find on your own. Ask friends and family whether they have an insurance agent they would recommend.

    A few tips for negotiating with an insurer:

    Ask about all available discounts – There is almost always a way to save money. You may get a discount if your car has anti-lock brakes, if you don’t drive your car that often or that far, and so on. Request a list of all possible discounts to see if you qualify.

    Skip towing insurance – It’s better to take that extra money and join an auto club (such as AAA) instead. In addition to towing, you ll have roadside assistance when you need it.

    Consider glass insurance – You can chip a windshield at any time, and auto glass is expensive to replace. Just make sure that glass is part of your comprehensive coverage, and not as a separate policy, which can be costly.