Where to Get Free Quotes?

Auto Insurance Questions
Do you need a free online auto insurance quote? Then this is the place as you can do comparison quotes from up to fifteen top discount insurance companies. Think about it you can compare rates instantly online from multiple insurers. Most people that use our site take about six minutes to get a real quote. Not only is our site fast but we also can save you money, $600 to be exact. Yup that's right the average user saves $600 or more in comparison to what they we're previously paying on car insurance. Imagine what you could do with $600 extra dollars? So if you have a few minutes to spare, why not get your free auto insurance quote now!
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Does an Accident in a Company Vehicle Affect My Insurance?

Auto Insurance Questions
Insurance companies charge you based on the risk you present to them. Therefore, regardless of which vehicle you are in, if you are found at-fault for an accident that accident will be rated against you. So in short, yes an accident even in a company vehicle will affect your car insurance. But wait one second, all hope is not lost. You see if you are driving a company vehicle than your company is the one that is insuring the vehicle. If you have your own personal car with your own insurance company, your own insurance company cannot rate or charge you for the accident that is all ready being rated by the insurance company that your company car is insured with. It sounds complicated, but it really isn't. I've put…
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Hybrid Car Insurance Discount

Auto Insurance Questions
Congratulations you're not only saving money on gas as well as received a juicy tax credit but you're also saving the planet for future generations by driving a hybrid car. I just want to take a moment to personally thank you on behalf of my children, because I want them to grow up in a world where they'll still have fresh air and you're part of the reason they will. All we need to do now is convince one friend to do the same and we're well on our way to a sustainable world. Okay enough of the Captain Planet stuff, let's get down to business. You may have a hybrid but you still need to get some hybrid car insurance. In this piece we'll look at how to get…
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Will a Speeding Ticket Increase My Auto Insurance?

Auto Insurance Questions
That depends. Depends on what you say? It depends on a number of factors. The first factor and presumably most pressing for you is when will your car insurance go up as a result of the speeding ticket. The answer is on your renewal OR if you are super lucky never. Huh? What? Your Motor Vehicle Report You see insurance companies are not alerted right away when you get a speeding ticket, because quite frankly most insurance companies use outdated processes to keep track of your tickets. All auto insurance companies order Motor Vehicle Reports (MVR) when you first buy insurance with them to make sure you are not lying on your application about your ticket history. However, after you become a customer with them, it really depends on your…
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Is Car Insurance Worth It For Good Drivers?

Auto Insurance Questions
Having never been involved in an accident, I sometimes wonder if I should just cancel my car insurance (especially after receiving a renewal notice). I have been driving for over 15 years and have never been involved in an accident nor have I been pulled over by a cop and asked for proof of insurance. It almost feels like I'm giving out money and receiving nothing in return. This feeling was only amplified when I bought home insurance and looked over the policy documents. While it is reassuring to know that things like my wife's wedding ring and the hard wood flooring is protected from water damage, our deductible is $1,000! What this tells me is that the insurance company is only there to protect you against big losses such…
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Why Do Insurance Companies Ask For Personal Information For Quote?

Auto Insurance Questions
Hey no question is too dumb to answer. Insurance companies require your personal information to give you a car insurance quote because they need to rate you appropriately. Aside from your name, pretty much everything an online quote ask you is for the purposes of underwriting you to determine exactly how much to charge you. You may now be saying why do they need my address? Insurers require your address because believe it or not one of the factors that determine how much you are charged is where you live. Try it out for yourself, do an online quote and change your address to someone living in the busier part of your city or the more rural part and note the change in premium. Other things an online application will…
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Will My Insurance Go Up If I’m 50% At-Fault?

Auto Insurance Questions
Yes your auto insurance will increase on the renewal if you are found even 50% at-fault for an accident as you are still part of the cause the collision occurred. Therefore you are deemed a higher risk and because you pose an increased risk to your insurance company they have to be compensated through higher premiums. Is this fair? I know it may seem unfair that you are charged at-fault even though you are only 50% at-fault for the accident. But on the bright side your deductible will only be half as well because you are only 50% at-fault. For instance, if your collision coverage deductible is $500, and you are 50% at-fault for an accident you only have to pay $250 or 50% of your collision deductible. What happens…
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Why Does Insurance Go Up When You Get Into Car Crash?

Auto Insurance Questions
Your car insurance goes up when you get into a car crash because your insurance company has to not only pay for the damage you caused but also has to consider the higher risk you now present as you are likely to get into another accident. For example if you get into a crash that costs the insurance company, $12,000 and your yearly premium is $1,000 it would take you 12 years with the insurance company for you to essentially "pay them back". When you get into an accident and on renewal they increase your premium to say $1,500 it would take 8 years for your insurer to recoup. Therefore your insurer has to increase your premiums when you are involved in a car crash. Keep in mind that depending…
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