Auto Insurance Rate Comparisons – 5 Guidelines to Save You Money

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Auto insurance is something that most of us only choose to shop for maybe once every year or two. Usually, we do so either when buying a car or when we see a TV commercial and decide that it may be time to compare rates from different insurance companies.

When looking for the best deal on car insurance, it is a good idea to not only to consider quotes from multiple companies: you should also look at this as the perfect opportunity to review whether the coverage that your current policy has is adequate, insufficient, or overkill.

Comparing auto insurance rates, of course, is only possible when you are able to compare apples-to-apples (comparable) quotes from multiple companies. In order to do this, it is a smart idea to start by carefully examining your coverage needs – both the required and optional ones.

If you want to make auto insurance rate comparisons to find the best rates, here are 5 guidelines that can help save you money:

1. Find out your state or municipality’s minimum coverage requirements:

The state, province, or county in which you live has likely established some guidelines or requirements concerning the minimum coverage you need to buy in order to drive legally. In most cases, this comes in the form of liability insurance.

Liability insurance is the type of insurance coverage that pays for the other party’s medical bills and property damage should you be the one to cause an accident. Coverage limits are usually quoted at a per accident/per person rate. Check for the limits in your area to be sure you are buying at least the minimum-required amount.

2. Understand the various types of coverage available to you:

In addition to liability insurance, you should probably purchase other types of insurance. Namely, consider buying collision coverage (covers your property if it is your fault), medical payments coverage (covers your medical expenses if it is your fault), and uninsured motorist insurance (covers your medical and property expenses if it is their fault and they are uninsured).

3. Choose appropriate coverage limits:

As mentioned above, coverage limits in policies are usually stated in terms of per accident/per person. For example, coverage limits for medical payment coverage for a give policy may be stated as: $ 300,000/$ 150,000. Make sure you do not just buy the minimum coverage limits unless that is truly all you can afford. Otherwise, you could end up either inadequately covered yourself or being sued by the other party (if the accident is your fault) for inadequately covering them.

4. Create a list of at least 3-4 insurers:

Now that you have an idea for your desired coverage types and limits, it is time to create a list of 3-4 insurers. Do research to look for insurers that advertise themselves as low-rate auto insurers.

5. Shop around by getting apples-to-apples quotes:

As you shop around, be sure to ask for identical policies in terms of coverage types and limits so that you can easily compare quotes.

Consider these 5 tips as you conduct an auto insurance rate comparison.

Find more useful tips and the cheapest car insurance rates at: Cheapest Car Insurance Rates.

Image from page 8 of “Wilmington up-to-date : the metropolis of North Carolina graphically portrayed” (1902)
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Image by Internet Archive Book Images
Identifier: wilmingtonuptoda00isaa
Title: Wilmington up-to-date : the metropolis of North Carolina graphically portrayed
Year: 1902 (1900s)
Authors: Isaacs, I. J Wilmington Chamber of Commerce (N.C.)
Subjects: Business enterprises
Publisher: Wilmington, N.C. : W.L. De Rosset, Jr., printer
Contributing Library: University Library, University of North Carolina at Chapel Hill
Digitizing Sponsor: University of North Carolina at Chapel Hill

View Book Page: Book Viewer
About This Book: Catalog Entry
View All Images: All Images From Book

Click here to view book online to see this illustration in context in a browseable online version of this book.

Text Appearing Before Image:
comes here will find everything provided for the successfuloperation of his enterprise and a helping hand will be extended him byevery citizen of the community. In brief, some of the general advan-tages of Wilmington are : 1st. It is located on one of the most fertile and productive regions ofthe United States and one of the most thriving sections of the South. THE CITY OF WILMINGTON. 2nd. It possesses admirable railroad facilities, connecting it directlywith the entire country and opening up all parts for its products andfor obtaining raw material. 3rd. // has a good system of steamboat lines, which ply on the waterways tributary to this port, bringing here from adjacent territory agri-cultural and other products, returning with merchandise to supply thewants of these localities. 4th. It has ocean communication with all parts of the world andtwo regular lines of steamships to New York, bringing the city intoclose and intimate contact with the principal ports of the Old and NewWorlds.

Text Appearing After Image:
ARMORY WILMINGTON LIGHT INFANTRY. 5th. It is in direct and contiguous connection both by land and waterwith the great lumber and bituminous coal regions of this and adjoin-ing states. 6th. // has a complete system of electric cars in operation. The cityis well lighted with gas and electricity and is efficiently policed andguarded against fire. The fire department of the city is particularlyefficient, securing to residents the lowest insurance rates. 7th. The local government is now based upon strict ideas of econo-my consistent with safe and secure progress and the spirit of the peo-ple is decidedly in favor of every measure to make the rate of taxationlow, while at the same time, all real improvements are well supported. 8th. The public school system is among the best in the South and af-fords excellent opportunities and facilities. The social advantageshere are numerous, the tone of society healthy and the general morals THE CITY OF WILMINGTON of the community will compare favorably

Note About Images
Please note that these images are extracted from scanned page images that may have been digitally enhanced for readability – coloration and appearance of these illustrations may not perfectly resemble the original work.

Car Insurance Rate Quote Comparisons Cost Nothing

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Many people are reluctant to get a comparison quote on car insurance for a variety of reasons. What they don’t understand is that for every year that passes when they didn’t compare rates, they’re losing valuable assets that they could direct elsewhere. A forty dollar semi annual savings over a ten year period translates into a refrigerator, washer or a paid off credit card for even more savings.

If you ask people why they don’t compare rates some don’t have a reason, they simply never took the time to do it. Others have reasons similar to those listed below:

It’s not worth paying extra for a quote.

If you’ve read the title you already know that this isn’t a valid reason not to get an auto insurance rate quote. There normally isn’t any charge for a quote that you secure online. If you find a site that requires a deposit, immediately leave the site. Too many other sites offer free car insurance rate quotes to stop at one that charges.

I am too busy.

Most sites require that you input your information once and reap the benefits of several different quotes.

I am too busy working.

It is understandable that you may be busy; but remember that the internet never sleeps. It doesn’t matter at what time of day you go online, you will always find the price comparison sites are open 24/7/365, so there’s no excuse

I don’t want to take up someone’s time.

You won’t be. If you choose an online company for your car insurance, you will find that the entire process is automatic. It’s only when you use a conventional insurance company rather then an online one that you will be dealing with a real person. But when you are dealing with an online presence, you are dealing with a fully automated system that just retrieves its own information from within its own database. There is no other person involved.

I prefer to deal with an agent in the case of having has an accident.

If you have an accident and call your agent’s office, the secretary normally gives you a toll free claims number to call. The difference between an agent written policy and an online policy is that you don’t get to talk to the secretary if you have an accident. You retrieve the toll free number from the website. This means you don’t have to wait until the agent’s office is open to report your claim.

You owe it to yourself to save money and look for the best and most affordable coverage. If you went to a store to buy shampoo and found two bottles that were the same in every way except price, would you buy the most expensive one? Of course you wouldn’t. The same thing is true of car insurance. As long as you get the same coverage and service, why pay more?

Teenager car insurance can be expensive. It doesn’t mean you can’t find a cheap car insurance price quote .

Broken Blackberry
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Image by MattHurst
Josh left his Blackberry phone on top of his car, and may have run over it as he backed over his spot. He managed to pick up the broken pieces and let me photograph them when he returned to the office.

Update: Featured in this story about a broken Blackberry phone owni.eu/2011/04/27/the-world-wide-mind/

And in the post about the accelerating change of technology in academia www.educationfutures.com/2009/01/26/were-always-busy-but-…

Featured photo in this story about BBM’s role in the London Riots, in which potential blocks for the private network were discussed www.slashgear.com/social-media-block-for-potential-crimin…

Used in this news post about the Blackberry outages in the North America, Europe, Africa, and the Middle East during October 2011 signalnews.com/rim-blackberry-outages-spread-to-us-732

And in this post about Blackberry’s decreasing market share in the U.S. www.intomobile.com/2011/11/01/blackberry-us-smartphone-ma…

Featured photo in this ArsTechnica post about determining the causes of the worldwide Blackberry Outage in October 2010 arstechnica.com/business/news/2011/11/why-rim-still-hasnt…

And in this post about the Blackberry outage www.periscopepost.com/2011/10/rim-rocked-blackberry-servi… and in this follow-up story www.periscopepost.com/2011/10/rim-offers-apps-as-compensa…

And in this post about the Japanese smartphone market whatjapanthinks.com/2012/03/05/japanese-smartphone-annoya…

And in this post about RIM’s continued financial problems www.ecrans.fr/Bientot-RIP-pour-RIM,14975.html

Featured photo in this Wired blog post about Blackberry’s latest struggles www.wired.com/wiredenterprise/2012/12/another-nail-in-rim…

Used in these Paperblog en.paperblog.com/rim-rocked-blackberry-service-failures-i… posts en.paperblog.com/rim-offers-apps-as-compensation-for-blac… about the 2011 Blackberry outages

Also use in this blog post about company phones and the bring-your-ow-device policies becoming more common www.citeworld.com/mobile/21557/comscore-phone-market-shar…

Featured photo in this blog post about the White House supporting the unlocking of cell phones dailylounge.com/the-daily/entry/white-house-supports-unlo…

And used in these French news posts about Blackberry’s shrinking mobile market share www.zdnet.fr/actualites/gartner-les-smartphones-cartonnen… and www.ecrans.fr/Sombres-auspices-pour-Blackberry,16795.html and the-gsm-mobile.blogspot.com/2013/08/gartner-smartphones-c…

Used in this post about the value of RIM Blackberry’s stock value slant.investorplace.com/2013/09/bbry-blackberry-buyout-wa…

And in this Fast Company post about Blackberry pulling their BBM app from the app store www.fastcompany.com/3018094/fast-feed/a-rough-week-gets-r…

Featured photo in this Vice story about how Blackberry may have cooperated with the NSA’s spying programs www.vice.com/en_ca/read/how-has-the-nsa-been-able-to-spy-…

As seen in this blog post about how enterprise users can transition away from Blackberry phones www.citeworld.com/mobile/22547/blackberry-transition-plan

Featured photo in this Mashable post about Blackberry’s difficulties in the mobile market mashable.com/2013/09/23/is-blackberry-done/

Used in this Forbes blog post about Blackberry’s recent business problems, and how they might use tax refunds www.forbes.com/sites/kellyphillipserb/2013/11/06/blackber…

Featured photo in this German blog post about insurance plans for smartphones, and the most common ways phones get broken or lost detektor.fm/kultur/fortschritt-lohnt-sich-eine-handyversi…

Remixed photo in this blog post summing up the latest negative blog stories about Blackberry blogs.computerworld.com/smartphones/23308/blackberry-on-l…

Featured photo in this blog post about more quarterly losses for Blackberry www.forbes.com/sites/maggiemcgrath/2013/12/20/blackberry-…

As seen in this blog post encoruaging CEOs to smash their blackberry www.mediauk.com/article/34422/top-5-things-that-every-ceo…

Featured photo in this BoingBoing blog post about the airline security’s ban on broken electronics at Heathrow airport boingboing.net/2014/07/07/tsa-tells-uk-airport-security.html

Used in this blog post about Blackberry’s continued business problems, including the dealyed release of the much hyped Blackberry Classic phone www.infoworld.com/article/2878977/blackberry/blackberry-i…

Not sure what the connection is, but featured photo in this blog post about how law enforcement uses social media businessoflawblog.com/2015/03/social-media-law-enforcement/

Featured photo in this blog post about Blackberry’s broken business model theoverspill.wordpress.com/2015/03/31/blackberrys-lucky-t…

Used in this ABC (Australia) blog post about how Blackberry and Nokia failed to succeed in a changing marketplace compared to more successful brands www.abc.net.au/radionational/programs/drive/from-nokia-to…

Featured photo in ComputerWorld/CIO’s blog post about smartphone patents and how a court order might force the destruction of smartphones in the US market www.computerworld.com/article/2943113/computer-hardware/n…

As seen in this FastCo blog post about reducing e-waste and recycling parts from consumer electronics www.fastcoexist.com/3050542/the-gold-and-silver-and-more-…

Used in this blog post about the potential effects of the Trans-Pacific trade pact on gadgets, hackers, and tinkering blog.adafruit.com/2015/10/13/tpp-threatens-tinkerers-make… and another similar post on the topic by Motherboard blog motherboard.vice.com/read/white-hat-hackers-would-have-th…

As seen in this Japanese blog post about MVNO networks and using your phone abroad hikakaku.com/blog/mvno%E3%81%AF%E6%99%AE%E5%8F%8A%E3%81%9…

Used in this post about iOS and Android fail rates www.gadgety.co.il/157628/android-ios-failure-rate-2016q1/

Picked as a great photo for use in the Consumerist blog consumerist.com/2016/06/10/consumerist-friday-flickr-find…

Featured in this blog post abotu whether Blackberry is making a comeback among app developers www.appmakr.com/blog/blackberry-apps-making-comeback/

As seen in my own blog post about the mobile market and smartphones www.matthewhurst.com/2013/12/late-majority-how-smartphone…

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