best car insurance rates

Every driver in Massachusetts needs to buy car insurance. Driving without car insurance can cause so many nightmares on so many levels, especially if you are involved in a serious accident, that driving without insurance simply is not worth the risk.

A better solution is to find ways to lower the cost of your car insurance so that you can get the best rates on car insurance in Massachusetts legally.

Let's start by asking if your place of work offers group car insurance to its employees. Many companies do, and group rates can save you a fortune. If your company doesn't offer group car insurance check with any clubs, groups or organizations you belong to; you'd be surprised at the ones that offer their members group car insurance.

Keep your car in a garage at night. Doing that simple thing can save you money each and every month.

Set it up so your premium payment is paid automatically each month out of your checking account. This will also save you money.

Ask your agent if buying (and using) a steering wheel lock will reduce your rates. Some companies gladly reduce the level of the steering wheel and the key to a simple device that you escape the fuel pump unless the secret key is pressed every time you start your car.

Drive less. Many people are now using public transportation and leaving their car at home as much as possible. If you can reduce your driving to below 500 miles per month you may qualify for a rather substantial low-mileage discount.

A portion of your premium is probably based on the fact that you drive to and from work every day in rush hour traffic. If you can carpool so that you drive those miles considerably less each month then you can save money on your car insurance.

If you retire or stop driving to work for any other reason your insurance will also drop.

Drivers under 25 should stay in school and maintain good grades. A 3.0 grade average or better will earn you a rather nice Good Student Discount.

Don't make small claims. The fewer claims you make the lower your rates will be. If you can go for even 6 months without making a claim some companies will reward you. Other companies require you to wait a year, but the point is, the fewer claims you make the better your rates on car insurance will be.

Can you afford to increase your deductible? This is probably the fastest and the easiest way to decrease your monthly premium, but the downside is you will have to come up with the amount of your deductible in cash any time you have a claim. You don't want to make any promises you can't keep.

The final step in getting the best rates on car insurance in Massachusetts is to get online and find a minimum of 3 car insurance price comparison websites. Using what you have learned in this article fill out the form on all 3 websites exactly the same way. That's important. You must put the exact same information into all 3 forms or your "comparisons" won't actually be comparing anything, will they?

As soon as you've finished all of your comparisons then the rest of your "job" is a snap - simply pick the lowest-priced company and you're done! Now you know exactly how</a> to get the best rates on car insurance in Massachusetts.

My recommended sites here:

Best Rates on Car Insurance in Massachusetts
Affordable Auto/Car Insurance Company Online

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If you have been borrowing a vehicle that isn't your own, or perhaps you rent vehicles often, you may want to look into carrying separate auto insurance for yourself. The question is, however, how do you find and carry the right insurance if you do not own a vehicle? The answer is quite simple, and in fact, you are required by law to carry it.

You are not expected to buy a full insurance policy if you do not expect to own a car. You are, however, expected to carry coverage that will cover you in the event that you get in an accident in which you are found at-fault. In addition, there are some states, like New York, which are called no-fault state, and require that you carry additional non-driver coverage for himself covering the situation where neither the driver is found missing. Of course, most states also require that you carry coverage for uninsured drivers as well.

So how do you go about purchasing a non owner insurance policy? The answer is quite simple... you get a quote! The best place you can in today's day of the internet and instantaneous information is online. There you will find that you can not only get a quote but compare different companies and compare their quotes and coverage side-by-side. You will find that a couple of the big named companies specifically cater to the non-owners that are out there.

You should expect to pay quite a bit less than what you would pay if you were obtaining a full insurance policy. The reason is that you're not insuring your car and everyone else who drives it now... you're simply insuring yourself and whatever car you find yourself behind for whatever reason. Because of this you will find that your deductions are higher, your policy coverage is more limited in scope. For example, if something happens to the car that is not a moving accident, such as a branch falling on your car, you will be surprised to find that many non-owner insurance policies may not cover you.

If you find yourself renting frequently, it sometimes is a good idea to look into the coverage provided by your company or your credit card. Most cards contain at least a minimum amount of coverage as a member service. You should be aware, however, that they typically do not cover any deductible requirements set by the rental company and you will be held liable for that if you are in an accident, regardless of fault.

Now you can quickly compare rates online from all of the insurance companies and see which is the lowest. You'll be shocked to see how low your rates can really be.

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best car insurance rates

A newly married person often does funny things. He or she may make an impulsive purchase and get a brand new automobile as a gift for the new spouse. Most of us presume that getting a brand new automobile is good enough. However, we can make our money minded spouse even happier by bringing down the cost of insurance on not only the new automobile but on the old car as well. How is this possible?

Automobile insurance is determined on the basis of the marital status of the individual. Of course, this is not to say that those who are married always get better and lower rates and those who are unmarried are always required to pay high rates. It is just that married persons are considered more responsible driver and the auto insurance premium is adjusted accordingly.

If you are getting a new car for your spouse or if you are planning to combine the insurance coverage for your car and your spouse's car together, then you should make use of your marital status to demand a discount.

The first point is that you are now married. Married individuals, especially female drivers, get better deals as compared to unmarried individuals. Take advantage of this fact. Make sure your insurance company considers this point when calculating the premium.

You should also seek discount as you are going to insure not one but two cars. Regardless of whether the car is old or new, that you provide double business to the insurer should work in your favor. This should help you bring down the cost of premium on the simple logic of economies of scale.

You can have your spouse undergo a defensive driving course to further bring down the cost of insurance. The fact that you tried to improve your driving skills will definitely work in your favor. If you have enough cash in your hands, you can install an anti theft device or an alarm or siren in your car. This will reduce the chances of theft and reduce risk.

Even if you do not go in for the defensive driving course or the antitheft device, the fact that you are providing extra business and that you are now married should work in your favor. Do not make the mistake of contacting your old insurance agent and negotiate with a single insurance company. Make use of multiple quotes on the World Wide Web to get in touch with a large number of insurance companies for free.

It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote.

A good site to compare insurance quotes online can be found here:

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best car insurance rates

Did you know that your credit rating could affect the rate you pay for insurance in Illinois? When looking for the best rate for your car insurance, realize insurance companies review your credit and use it as a basis for determining your premium. Here are a few things they look for:

1. Major Negative Items: Do you have bankruptcy, or collections, injunctions, foreclosures? These are looked up on unfavorably and may result in your paying a higher premium

2. Past Payment History: Do you pay your bills on time or are they constantly late?

3. Credit History Length: Do you have a credit history or are you beginning to establish it? The longer the history the better

4th Home ownership: Owning a home is considered positive, especially if you pay your loans on time.

5. Inquiries: How many times have you applied for credit?

6. How many lines of credit are open? Are you over extended?

7. Outstanding Debt: How much do you owe of the amount outstanding. Are your credit cards at or near the limit? This might be a sign of future financial difficulty.

If an insurance company uses your credit information in underwriting and rating your insurance policy, Illinois law requires your agent to tell you at the time you complete your insurance application. The way in which you are notified depends upon how you submit your insurance information.

If you submitted your information over the phone, the insurance agent must advise you verbally. However, if you submit your information in writing, the insurance agent must give you a written disclosure.

If your credit information is poor and the insurance company makes an adverse decision on your behalf because of it, they must tell you about the adverse action. They must give you up to four of the top reasons why your credit information negatively affected your insurance, i.e., bankruptcy, late payments, etc.

If it happens to you, think of it as a wakeup call. Having your credit in good order will only benefit you.

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best car insurance rates

As is true with the vast majority of states, Arkansas is adamant that you purchase car insurance before driving on any public roadway within the state. Failure to purchase car insurance can result in severe penalties, including loss of your driving privilege for quite some time. Also, driving without insurance puts you at terrible risk in the event of an accident and could result in the garnishment of your wages and even the loss of your home under some circumstances.

Therefore it is important that you get the best rates on car insurance in Arkansas while also getting the best insurance coverage that you can possibly afford.

How do you do that? Well, let's start the process by going over a few of the things you can do to get only the insurance that you need and that you can get it at the best price available, and then we will get online and compare the different rates for our dream policy among the various car insurance companies operating in Arkansas until we find the very best deal possible.

We'll start with you and your driving habits. The way you drive can affect how much you pay for insurance in a big way. Do you speed? Do you drive recklessly? Speeding tickets and, indeed, any moving violations will drive up the cost of your car insurance.

A conviction for a DUI (Driving Under the Influence) or a conviction for DWI (Driving While Intoxicated) are guaranteed to skyrocket your car insurance rates for several years.

If you drive only a few miles per week, say to the grocery store and maybe an occasional trip to the doctor or to visit a friend, ask your agent about a Low Mileage Discount. Such discounts can save you a bundle.

Are you in school? If you're under 25 your insurance rates are probably pretty high to begin with. But if you stay in school and maintain at least a 3.0 grade point average you can save anywhere from 5% to as much as 15% with a Good Student Discount.

Are you over 55? If so you should talk to your insurance agent about taking a special driver's re-education course. Not all insurance companies offer such a course, but if your company does, and you pass the course, you can save about 10% a month on your car insurance.

Do you drive an older car or a beat-up car with little or no Kelly Blue Book value? If so you are pretty much throwing your money down the toilet if you are paying for collision or comprehensive coverage since your insurance company isn't going to pay you more than Blue Book value for your vehicle in case of an accident regardless of whether you are paying for collision and comprehensive insurance or not. Drop the coverage.

Your deductible is probably the biggest potential source of savings on your car insurance. Your deductible represents the amount of money you will pay to repair your vehicle in the event of a claim. The more you are willing to pay, and the less your insurance company has to pay, then the less your insurance company is going to charge you in monthly premiums.

All right. Now you've created the best policy you possibly can, let's get online and find the best price for that policy. There are literally dozens of Internet sites that allow you to compare prices among different insurance. A mistake many people make is in thinking that every site compares all of the different insurance companies operating in the state of Arkansas.

That simply isn't true. Each site compares only a handful of companies. If you want to really compare all of the companies out there you'll have to fill out the forms on at least 3 different sites and find the cheapest rate on each site. Once you have done that then you can feel confident that you have gotten the best rate on car insurance in Arkansas.

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Shopping for car insurance quotes has become infinitely easier over the past few years. These days, it only takes a moment to fill out one online application and instantly receive competing quotes from multiple companies. It sure beats the days of shopping with the Yellow Pages and a telephone! But before you fire up your favorite browser and start shopping for car insurance, there are ten tips you want to keep in mind. Some are easy, some a bit harder, but all are designed to help you get the lowest possible car insurance rates.

1. Pull a copy of your credit report. Did you know that some insurance companies use your credit rating as one of the ways of determining your insurance premium? They apparently believe that responsible bill payers also make for responsible drivers. So pay those bills on time, or take a few months to clean up your credit before shopping for car insurance quotes.

2. Park your car in a garage. Cars kept in a garage are less likely to be stolen or vandalized. Makes sense, doesn't it? The insurance companies think so.
 
3. Start taking the bus to work. By parking your car in a garage, and then leaving it there, you may be able to reduce your miles driven to less than 7,500 annually. You may then qualify for a low-mileage discount on your insurance. So think green, save green.
 
4. Trade in the red sports car for a gray sedan. Did you know that the Highway Loss Data Institute keeps statistics on the makes and models of cars that are involved in accidents? Your insurance company will most likely apply this data to the make and model of your vehicle. It your car is determined to be more likely to be in an accident, more likely to be vandalized or more expensive to repair than the average vehicle, you can expect to pay a higher insurance premium.
 
5. Load up on safety features. Once you have that gray sedan, make sure you have installed every possible safety feature. As the number of safety features goes up, your insurance rate goes down. So install those anti-lock brakes, airbags and automatic seatbelts. You will increase the safety of yourself and your passengers while shrinking your insurance bill.
 
6. Don't be shy. This is the time to ask about any and all discounts for which you might qualify. Do you participate in a car pool to work? Make it known on your application. Do you have more than one vehicle to insure? A boat? A motorcycle? Be sure to ask for a multiple vehicle discount. Own a house? The insurance companies will love to give you a quote for homeowner's insurance along with your car insurance quote -- at a discount, of course.
 
7. Raise your deductible. Yes, you have heard it before, but the higher your deductible, the lower your insurance premiums. If you have not yet bitten the bullet and done it, now is the time to jack that deductible to nosebleed heights. Even if you have to make an insurance claim and pay it, the higher deductible is still likely to save you money over the course of several years.
 
8. Don't let your policy expire. Once your policy has lapsed, you will lose your discount for continuous coverage. If you are planning to quit your current insurer, make sure you maintain coverage while you are shopping around.
 
9. Pay your entire bill upfront. While it can take a bite out of your bank account to pay a full year of premiums upfront, it will save you money to do so. When you make monthly insurance payments, you are effectively asking your insurance company to finance your premiums, and you can expect to pay finance fees each and every month.
 
10. Move. Yes, it is a drastic suggestion, but one that can have a dramatic effect on your car insurance rates. Living in the city increases the odds of accidents, vandalism and theft of your vehicle. The insurance companies know this and charge accordingly. So this might just be the time to de-stress your life and move to the country, increasing your quality of living while decreasing your cost of living.
 
After you have applied as many of these tips as possible, you will be ready to start shopping for car insurance quotes. You can do yourself one last favor by ditching the telephone and doing your shopping online.

Barb Dearing is a freelance writer, specializing in topics that help consumers save money in a variety of areas. She recommends the following website for consumers seeking multiple car insurance quotes: http://www.shop-car-insurance.com

best car insurance rates

West Virginia - like almost every state in the U.S. - requires that every one of its drivers buy car insurance. For many people the cost of car insurance can be a hardship on the family budget, but fortunately there are several steps that almost any driver can take that will lower the cost of their car insurance month after month.

For example, if you can keep your car in a garage at night you can save money on your insurance.

Many companies will give you a break if you simply buy (and use) a steering wheel lock for your car or if you install a simple device that will disable your fuel pump unless you press a hidden button each time you start your car. Talk to your agent. There may be several small and inexpensive ways to make your car less susceptible to theft and which will save you money every single month.

If you have other insurance police, such as insurance or health insurance or homeowners policies, consolidate all their insurance company will give you the same Multi policy discount.

Don't make small claims. If you are claim-free for six months to a year (depending on the insurance company) you can qualify for a Good Driver Discount.

The biggest factor that will determine whether or not you qualify for the best rates on car insurance in West Virginia is your own driving. If your driving record has speeding tickets or other moving violations on it, or if you have a DUI or DWI conviction on your record you can forget finding the best rates for several years. Always drive safely and legally.

If it is possible for you to use public transportation for the majority of your "driving" needs you may be able to reduce your cost of car insurance substantially. If you can reduce your driving to under 500 miles per month most companies will reward you with a Low Mileage Discount.

Along those same lines, if you can carpool to work you can save a lot on your insurance. A portion of your premium each month is based on the number of miles you drive to and from work each day in rush hour traffic, so if you can cut those miles in half you will save a great deal.

If you retire or if you stop driving back and forth to work everyday for any other reason let your agent know. The fewer rush-hour miles you put on your car each month the more you are likely to save.

If you are thinking of buying a new car talk to your agent first and get a list of cars that cost the least to insure. It can really hurt to get your heart set on a make and model that you just can't afford to insure.

Older cars - especially vehicles with little or no Kelly Blue Book value - should not be insured for collision or comprehensive since your insurance company will not pay off on them even if you continue paying for the insurance.

Your deductible can have a big influence on how much you pay for your car insurance. The larger your deductible the less you'll pay for insurance each month. Don't go overboard, however, and promise to pay more than you can actually afford.

Buying your car insurance online will also save you money each month. Don't rely on just one car insurance quote site, however. If you are really serious about saving money you'll need to look at prices on a minimum of 3 different price comparison websites.

You will also need to enter the exact same information into the form on all 3 websites so that you are comparing the same insurance policy all the way around. But once you've done that your job is basically done.

Now simply review all the prices you found and choose the cheapest car insurance you can find. You are now an expert when it comes to finding ways to get the best rates on car insurance in West Virginia.

My recommended sites here:

Best Rates on Car Insurance in West Virginia
Affordable Auto/Car Insurance Company Online

best car insurance rates