Where to Look for Best Car & Auto Insurance Quotes and Availing Insurance Afterwards

How long do tickets stay on my record and affect my auto or car insurance rates?

All minor traffic convictions and accidents remain on your driving record for three years and will affect your auto or car insurance rates. All major violations remain on your driving record for seven years. Points for traffic convictions and chargeable accidents are added and removed at the renewal of your auto or car insurance policy. There is no change to the auto or car insurance policy during your policy period to add or delete points. If eligible, you can enroll in traffic school to erase minor violations from your driving record and save on auto or car insurance coverage.

What should I do if I have an accident?

First, make sure you, your passengers and others are not injured. If there are injuries call 911 immediately. Second, in most states the police should be notified. Third, you should give your information to the other driver(s). Provide your name, address, and telephone number. Also let them know whom your auto or car insurance coverage is through. Then get this same information from the other driver(s). Finally, contact your auto or car insurance carrier at your first opportunity. Contact information may be found on your auto or car insurance identification card.

Why should I buy auto or car insurance from a broker?

A broker of auto or car insurance, represents you – the customer. BuyInsurance.com shops from our panel of different car or auto insurance companies to locate the best combination of price and auto or car insurance coverage for you! We also encourage you to periodically shop through BuyInsurance.com during you auto or car insurance renewal cycles to make sure that your auto or car insurance coverage keeps pace with your changing life.

How does BuyInsurance.com get great auto and car insurance rates for all drivers?

When you contact us for a free online insurance quote, we shop our panel of different auto and car insurance companies to find the most appropriate coverage at a great price. Some of our auto and car insurance carriers specialize in good drivers, while others write mostly high-risk drivers. No matter what your situation, BuyInsurance.com can place you with an auto insurance company that’s right for you at a very competitive price.

What is Uninsured Motorist Coverage?

Even though auto or car liability insurance coverage is advisable and often required, there are many people who do not buy insurance. If an uninsured motorist causes an accident you may not be able to recover any damages that you sustain. If you purchase Uninsured Motorist Coverage, your auto insurance company will pay you for the property damage and bodily injury caused by an uninsured motorist. It will cover you, any family member, and anyone occupying a covered automobile. The limits for this coverage are usually the same limits that you selected for liability, although you can choose lower limits. There are also times when a person who causes an accident has liability insurance but your damages exceed the limits of that person’s coverage. In some states Underinsured Motorist Coverage is included in your Uninsured Motorist Coverage. In other states, you can purchase underinsured motorist insurance, which covers your excess losses up to the limit set forth in the policy.

How much Auto and Car Insurance Liability Coverage do I need?

Most state laws require that you carry a minimum amount of auto and car liability insurance, which pays for the injuries or damages you cause to someone else. While some people only need the minimum level of auto or car insurance protection, others have assets that they need to protect. If you are unsure about how much liability auto or car insurance you need, consult a car or auto insurance professional now by signing up for a free online insurance quote. We can find a program to provide the right amount of protection for you and your family.

AUTO INSURANCE

Shop around for car or auto insurance!

The best time to shop around for auto or car insurance is when your particular auto or car insurance policy is up for renewal. Shop with us. BuyInsurance.com will provide you with various quotes from auto or car insurance providers for free. Especially if you find that the auto or car premium you currently have has increased. You may be surprised to find that auto or car insurance premiums for the exact same auto or car insurance coverage on the same car can vary widely (by hundreds of dollars) between different insurers, even in states that regulate auto or car insurance rates. Click here to begin your search for a competitive auto or car insurance rate.

Increase your auto and/or car insurance deductible.

For many people, raising the deductible on their auto or car insurance is a good way to cut the cost of the auto or car insurance policy. Sometimes you can reduce your annual car or auto insurance premium by 10 percent or more if you increase your deductible from, say, $250 to $500. However, make sure you have the financial resources to handle the larger deductible when the time comes.

Narrow the scope of your auto or car insurance coverage.

One seemingly obvious solution is to eliminate certain types of coverage from the auto or car insurance policy. Most states require you to have liability coverage, but other non-mandatory coverage may be expendable. Be careful, though, because you don’t want to be underinsured if you’re in an accident. Even though medical payments, uninsured motorist, collision, and comprehensive coverage may be optional in some states, it’s usually not advisable to discard them altogether.

Lower auto or car insurance coverage amounts.

You can also reduce the amounts of certain auto or car insurance coverage. Be very careful here. You don’t want to be inadequately insured, especially in the area of liability. You should almost always keep your liability coverage as high as possible because this is where you can have the greatest losses. You may be able to lower your coverage amounts in other areas (such as collision and comprehensive), but don’t rush into such a decision just to save a few bucks. The costs could far outweigh the savings. Talk it over with a licensed agent first. Click here to get a quote from an agent in your area.

Keep an eye on your credit report to lower your auto or car insurance rate.

Your credit history is an important factor for most auto insurance companies. Many studies have shown a correlation between your credit history and the risk to an auto or car insurance company. Paying your bills on time and maintaining a good credit history will allow you to enjoy lower auto or car insurance rates.

Drive less to lower your car or auto insurance rates.

If you drive less than a certain number of miles in a year (e.g., 7,500), you may qualify for a low-mileage discount. If your insurer offers this discount, try to limit your driving as much as possible. If you commute to work, use public transportation instead of driving. When you go away on vacation, fly or take the train.

Don’t use your car for business purposes to keep your auto or car insurance rates low.

Since work-related driving generally subjects you to a higher premium than pleasure driving, it may be in your best interest to stop using your car for business purposes.

Drive safely to keep your auto or car insurance rates low.

You may be eligible for a price break on your auto or car insurance policy if you maintain a clean driving record for a specified period (usually three years). A clean driving record generally means no accidents, serious moving violations, drunk driving convictions, etc. The best way to qualify for the applicable discount is to drive carefully and defensively at all times.

Buy a low-profile car to keep your auto or car insurance low.

Cars are rated on a risk scale for auto insurance purposes. In general, sports cars and other high-performance, flashy vehicles are classified as higher risks because they are common targets for thieves and vandals, and because statistically, the people who own them tend to drive more recklessly. If you own such a vehicle, you will likely pay a higher car or auto insurance premium than if you owned a station wagon, sedan, or other low-risk vehicle.

Move, to lower your auto or car insurance rates.

If you live in a rural community with little crime and traffic congestion, your premium will generally be lower than if you live in an urban area where your car is more likely to be stolen, vandalized, or involved in an accident. Granted, you shouldn’t move just to cut your auto insurance costs. However, this may be one of many factors in your decision if you’re thinking about relocating.

Keep your car in a garage to lower your auto or car insurance rates.

Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.

Have safety/anti-theft devices installed to decrease your car or auto insurance rates.

You may receive discounts on your auto or car insurance coverage if your car is equipped with one or more of the following options: anti-lock brakes, automatic seat belts, and airbags. Similarly, anti-theft devices such as car alarms and tracking systems (e.g., Lojack) may also get you a discount because they reduce the chances of your car being stolen or vandalized.

Inquire about multifamily/multi-policy discounts to decrease your car or auto insurance rates.

You may receive a discount on your auto or car insurance coverage from your insurance company if you buy more than one type of insurance through that same company (e.g., auto and homeowner’s). A discount may also apply to your auto insurance if you insure multiple cars under the same policy or with the same company.

Good Driver Discounts will decrease your car or auto insurance rates.

Other discounts on your auto or car insurance coverage may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company when it comes to auto or car insurance coverage.

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