Low Cost Auto Insurance Quotes


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LowestQuotes.com

Today consumers are faced with more choices than ever, especially when it comes to their insurance needs. Choosing the right company and coverage can seem like an overwhelming task, with hundreds of insurance companies offering thousands of products, each with its own rates, fees, terms and conditions. So, if you are tired of paying too much money on auto insurance and want to cut your auto insurance bill by up to 70%, enter your zip code above and get free quotes from one or more of the companies that provides the cheapest rates in your area.

The fact is, unless you shop around for better rates, most insurance companies keep raising rates every year on their existing customers even if they have a perfect driving record. Below are some of the easy ways you can reduce auto insurance rates.

Raise Deductible Choosing higher deductibles for your comprehensive and collision coverage will reduce your car insurance premiums quite a bit. For vehicles that are more than five years old and/or are worth only few thousand dollars, you may want to drop the comprehensive and collision coverage altogether and keep only the minimum state liability requirements.

Check Credit People with good credit scores usually get the best insurance rates. Over time, paying your bills on time and keeping your credit balances low will improve your credit ratings. Also be sure you check your credit scores regularly so you can identify and correct any errors.

Get Discounts One of the most easiest ways to reduce your rates is to take advantage of discounts offered by insurance companies. For example, you may get a discount if you park your car on a driveway or garage instead of street parking, if you have taken a defensive driving class, if you are a good student who receives good grades, have short commute to work or school, or if you have anti-theft devices installed on your vehicle.


Low Cost Auto Insurance


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Car Insurance

Start with low rates especially for experienced drivers, who are generally safer drivers. Then lower them even more with a variety of discounts. We’ll help make sure you get all the discounts you’re entitled to.

Advance Quote Discount

Save up to 5%

Obtain your quote more than 7 days before your current coverage expires and receive an additional discount.

Vehicle Fuel Type Discount

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AARP endorses only the AARP Auto and Home Insurance Program from The Hartford, not other products made available by the company.

The AARP Automobile Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. CA License #5152. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. Homeowners product is not available in all areas, including the state of Florida. AARP and its affiliates are not insurers. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Massachusetts, Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.

Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto Home Insurance Programs from The Hartford. The homeowners product is not available in all areas, including the state of Florida.

*** The Defensive Driver discount name may vary by state. For example, in some states, such as New York, the course is called the Motor Vehicle Accident Prevention Course discount. In other states it may be called the Accident Prevention or Motor Vehicle Improvement Course discount. In Kentucky, this credit applies for five years.

* Savings amounts are averages based on information from The Hartford’s AARP Auto and Home Insurance Program customers who became new auto insurance policyholders or new homeowners insurance policyholders between 7/1/14 and 6/30/15 and provided data regarding their savings. Your savings may vary. Average auto insurance savings for the period was $420. Average homeowners insurance savings for the period was $218. Homeowners product is not available in all areas, including the state of Florida.


List of Auto Insurance Companies


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List of Auto Insurance Companies

Bank Executive

A list of auto insurance companies is a good place to start your research on car insurance providers. Be sure to check the company’s ratings before you make your final decision regarding what company you will use to purchase your car insurance.

Look Beyond Price

Shopping for auto insurance can be a daunting task. There are many choices of insurance companies, purchase options and coverage options, all with various price points. For example:

  • Company choices – Over 2500 companies offer auto insurance in the United States. Not all companies can offer all of their plans in every state.
  • Purchase options – Some insurance companies sell their auto insurance through independent agents and others sell directly through their own agents, by phone, by mail and over the internet.
  • Coverage options – Most insurance companies offer similar types of insurance; however, the amount of coverage and the details of the coverage can vary between policies.
  • Price points – The actual price of a specific type of insurance varies between insurance companies and, in fact, can vary between policyholders purchasing insurance from the same insurance company.

You should also compare the ratings of the insurance companies. By making this comparison you will know how other insurers feel about the company’s service and whether the company has the financial strength to pay your claim.

Auto Insurance Ratings

Financial ratings from independent companies such as A.M. Best and Standard Poor’s are an overall measurement of a company’s financial strength. The ratings are expressed as letter grades. These financial ratings are a big selling feature so the company will usually feature their rating in their sales materials.

J.D. Power, an independent research company, prepares customer satisfaction ratings based on surveys they provide to insurance customers. These ratings can provide insight into the coverage, claims handling and overall experience by customers when they dealt with a specific insurance company.

A. M. Best

A.M. Best offers ratings that range from A++ to D. Some experts believe that you should only purchase insurance from an insurance company that has a rating of B+ or higher. Here is how the ratings stack up:

  • A++ and A+ – Superior
  • A and A- – Excellent
  • B++ and B+ – Good
  • B and B- – Fair
  • C++ and C+ – Marginal
  • C and C- – Weak
  • D – Poor

Standard Poor’s

Standard Poor’s ratings range from AAA to CC. Insurance experts usually recommend that you only work with an insurance company if it has a rating of BBB or better. Here is how Standard Poor’s defines their ratings:

  • AAA – Extremely Strong
  • AA – Very Strong
  • A – Strong
  • BBB – Good
  • BB – Marginal
  • B – Weak
  • CCC – Very Weak
  • CC – Extremely Weak

J.D. Power

J.D. Power conducts ongoing customer research of insurance customers. The questions asked survey information on:

  • Types of coverage offered
  • Price
  • Claims handling
  • Service from company representatives

The results are published online and in an annual survey. The insurance companies that receive high ratings from J.D. Power frequently provide their rating information in their sales materials.

List of Auto Insurance Companies

The major insurance companies selling auto insurance in the United States include, but are not limited to:

State Listings May Be Different

Not all insurance companies can sell in all fifty states. Some companies can sell certain types of insurance but not other types. For example, a company may be licensed to sell life insurance but not auto insurance. You can contact your state department of insurance to obtain a list of auto insurance companies which are licensed to sell in your state.


List of Top Car Insurance Companies


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List of Top Car Insurance Companies

Esurance

Esurance offers great prices and great rates compared to other insurance companies as well as a simple and easy-to-use online interface with little to no lag time. Customers can change their policy and pay their premium online; therefore convenience is one of Esurance’s best features. Online reviews indicate that their email and phone response time for customer service inquiries was slow, but the convenience factor, in terms of initial policy set-up and payment options, was exceptional. (See References 3) Esurance offers auto, motorcycle, home, renter’s, health and life insurance with very competitive rates .

Geico

In terms of brand recognition, Geico has most definitely done the best with its marketing, from the Cavemen campaign to the Geico gecko. The company’s website is very user-friendly, and offers insurance in all areas, including home, condo, renter’s, motorcycle, umbrella, ID theft, RV, commercial auto, ATV, boat, overseas and flood. Geico has a reputation for outstanding customer service and extremely competitive rates as well as knowledgeable agents.

Progressive

Progressive insurance has long been known as the high risk car insurance; most recently, Progressive has developed a reputation for offering free quotes as well as quoting competing insurance companies’ rates. Many former and current clients of Progressive car insurance state they have always been happy with the service and the rates even after a collision that was their fault. (See References 2) Progressive has a reputation for being fast, friendly and fair; the types of insurance offered by the company include renter’s, homeowner’s, car and motorcycle.

Allstate

Allstate’s insurance agents are highly regarded as being knowledgeable, and the company has easy-to-comprehend policies and plans. Allstate’s prices and rates are very competitive in the car insurance market as well. Allstate has marketed their insurance policies to reward drivers for having a clean record and avoiding accidents. The company also offers other types of insurance including life, homeowner’s, renter’s, motor home, boat, motorcycle and snowmobile. Allstate has a very user-friendly website which customers and clients can use to access their account as well as change coverage on their policies.

State Farm

Like a good neighbor, State Farm is there is the slogan that has made its way into people s heads since Barry Manilow first sang it in 1971. While State Farm s rates aren t as competitive as other car insurance companies’, current and former customers consider State Farm agents to be knowledgeable; and if they don t know the answers, they are resourceful enough to find answers them. The different types of insurance offered through State Farm include homeowner’s, renter’s, health, disability, life and supplemental medical.


King of Cheap Car Insurance Quotes • Auto Insurance Comparison


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Would you like to know the basics of car insurance? Learn all you need to know about vehicle coverage types and deductibles. Continue

Learn how to find the cheapest car insurance premiums possible. Get educated about various discounts you might be eligible for and how to lower premium as a young driver. Continue

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How Quotes Are Calculated

When you start to compare are insurance quotes on a mission to find the lowest possible premiums, it is important to understand how your quotes are calculated and why these quotes can differ dramatically from carrier to carrier. All auto insurance carriers licensed to do business in your state must answer to the Department of Insurance when filing rates, but this is does not mean that a multitude of personal factors will not affect your base rate when you retrieve quotes. If you are wondering why your insurance is so high compared to state averages reported in your area, or your cousin s rates are significantly lower than yours and you want answers, here is your consumer guide to understanding auto insurance rating factors.

The Difference Between Fixed and Variable Factors That Affect Car Insurance Price

When you are shopping for affordable auto insurance, the easiest way to save money is to compare auto insurance quotes from several different companies licensed to do business in your state. While each of these companies have different base rates that are based on the demographic the company has decided to target, all of the carriers will use the same combination of rating factors to calculate personalized rates for applicants.

Some of these rating factors are fixed factors that you cannot control, and other factors can be changed if you make the effort to change lifestyle and driving habits. Identifying the fixed and variable factors, how they affect your rates, and how the changeable factors can be changed in your favor will help you get the lowest possible auto insurance premiums. Read on to distinguish between all of the rating factors that reputable auto insurance carriers use.

The Rating Factors That You Cannot Change

Age plays a major role in how much you will pay for your auto insurance due to statistics. As you read about rating factors, you will learn that auto insurance actuaries and underwriters rely on statistics to calculate rates. If the statistics of accidents are high in a specific age group, rates for applicants assigned to the age group will be higher.Young drivers under the age of 25 have a high incidence of accident, and this is why inexperienced drivers pay the highest rates. Once you gain experience, you can expect to see your rates decline at 25 and then gradually until you are 65. Once you reach a senior age group, premiums tend to rise once again.