Money-Saving Tips

What Are The Cheapest Vehicles To Insure?

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Are you looking for the cheapest vehicles to insure? What most people don’t realize is that their vehicle is one of the biggest factors in car insurance. In fact, it is the biggest part of their car insurance cost over which they have complete control. Unlike credit or driving history, picking a car is a short process.

This article will help you find the cheapest vehicle to insure. This can help keep the cost of insuring teenagers, people with DUIs or less than perfect driving records for a much more reasable cost.

Cheapest Vehicles To Insure

The cheapest vehicles to insure are generally older cars. A $500 junker is usually the cheapest for you to insure. If your car is old enough for an antique policy, those usually get the cheapest car insurance rates.

Cheapest Vehicles To Insure
Cheapest Vehicles To Insure

These cars are usually over 20 years old. Although some may have problems, the insurance company doesn’t generally have trouble insuring them.

In just the first year, may people find a cheap car paying for itself in insurance savings along.

If your insurance is high, get a quote with a cheaper car before you buy.

Why Your Vehicle Matters

The price of car insurance comes from the perceived risk of insuring the driver. Riskier drivers always pay more money. The insurance company has several ways to calculate that risk.

Some of those calculations are based on you. They use your credit history and driving history to see how responsible you are. However, both of those reports generally take a long time to alter for the better.

Other calculations come from the area where you live and will be mostly driving. These are things like average number of car accidents, intersections and other things that vary from zip code to zip code.

Again, these factors are hard to change. Most people can’t move somewhere else just to save a few dollars a month on car insurance.

Lastly, the vehicle you drive can tell a lot about how risky you are to insure. This is much more controllable than the other factors.

When To Change Your Vehicle

Naturally, there are many reasons why people purchase a new car. Some of these reasons are because their family is growing, their current car is always in the repair shop or they are buying a car for the first time in their lives.

However, there are circumstances where getting another vehicle for car insurance can be advantageous.

For example, if you recently were in a car accident, received a DUI or haven’t had car insurance in years, the cost of insuring a new vehicle with some more serious blemishes on your driving record may be too high for your budget.

Personally, I have seen people get insurance quotes exceeding $700 a month for liability coverage of a new vehicle with similar driving histories.

When insurance become too expensive, it is time for a new vehicle.

What Vehicle Should You Choose?

Naturally, you want a reliable car, even if it’s temporary. No one wants a car that’s going to break down on them. In my experience, Ford makes some of the most reliable cars. The Ford Focus I owned needed less than $400 worth of maintenance over three years. That included oil changes, breaks and tires.

The Cheapest Vehicles To Insure?
What Are The Cheapest Vehicles To Insure?

However, some people prefer Chevy, Jeep, Honda or Toyota. All o2f these brands usually have multiple used cars available nearly nationwide. Generally, if you’ve had a good experience with one of these car brands, it doesn’t hurt to stay with what you know.

If you love your current car, you may just want to find an older version of it. If you have a 2021 Honda Civic, maybe look for a 2001 used Honda Civic.

This way, you may already be familiar with the car. Sometimes, parts and accessories are even interchangeable.

How Much Should You Spend On A Car?

If your situation is that you are looking for something cheap to insure during your SR-22, waiting for DUIs, tickets or accidents to drop off of your driving report or your teenager to build up their driving history, then I would not plan on spending a lot of money on a temporary car.

Generally, I would say to spend about $500-$1,000. This way, if the car seriously breaks down, you won’t be out of a lot of money. Usually, you can even sell that same car for about the same price 1-4 years later when you are down with it. Assuming it is still very drivable.

Hypothetically, if you spent $500 on that used Honda Civic, you probably could try listing it for about $700 when you are through with it. That way, you would have a little wiggle room for negotiation.

If that car saves you about $50 a month (sometimes it will be much more than that), it pays for itself in 10 months.

And if you sell it after 2 years, saving an average of $50 a month, you would save $700 in car insurance premiums! Add another $500 when you sell it and you would be $1,200 ahead. That’s more than double your initial investment!

Other Considerations For The Cheapest Vehicles To Insure

Naturally, things can always go wrong. The car you buy may always be in the car repair shop. You may not be able to sell the car. Depending on your insurance, you may save little or nothing with a different car.

Before you do anything, make sure you get a quote on the car you’re looking at or one just like it. Also, rebuilt and salvage titles may be harder to insure.

Also, if you bought a brand new car and financed it, you may have already agreed to keep full coverage on it for the length of the loan. This is a very common provision. Always double check before making a change suggested in this article.

Summary

Hopefully, you can now see why a cheap car may make more sense than people think. In fact, these are usually the cheapest vehicles to insure. Most people think older cars always break down. This is not often the case. Generally, it is only cars that were not well maintained that break down.

This article should give you some clues about saving money on car insurance. This is an option that seems to work for several people I have met. This is especially popular for parents of new teenage drivers. Since those drivers have some of the worst rates, this strategy may make sense for them.

Of course, never rush into a financial decision. Take your time to research the best option for you.

However, if this seems like a viable solution or you have done this before, let us know in the comment section below!

Auto Insurance Quotes (Complete Beginner’s Guide)

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Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

How do I get auto insurance quotes? Do I have to pay for them? What is the secret to getting the best car insurance rates? This article is for people new to car insurance or for people who haven’t had it in a long time.

Can I Get Car Insurance Online?

Yes! In fact, getting car insurance online may be the best way to get it. Like retail companies, insurance companies save money when you buy online. Then they can pass those savings on to you.

Shopping for insurance online saves you from most high-pressure sales tactics. Also, it will allow you to check multiple places for quotes in relatively short amount of time. This can be far less challenging than driving around town to different agents.

People used to pick their insurance by visiting a family friend who sold insurance. Although you are welcome to try that method, it may not be the best way to get quotes.

Usually apps and websites are the best options. They can also take less time than driving to offices or calling several agents. Because of that, I always recommend looking online first.

Are Car Insurance Quotes Cheaper Online?

They can be cheaper online! Because someone clicking on a website is almost free to the company, many insurers will give you a discount for buying online. You can use this to your advantage. Even just saving $20 a month can mean an extra $240 a year!

Getting car insurance quotes online as has the advantage of saving time. Instead of driving around town or making many phone calls, you can just visit a few websites. You can even shop for rates while watching TV.

Between saving time and saving money, online auto insurance quotes are the right way to go!

How To Get Auto Insurance Quotes

There are multiple ways to get quotes online. Generally, the best way is to visit each company’s website and fill out the form for a quote. Although this is time consuming, it is worth it. Saving even a few dollars a month can really add up over time.

If you must, you can call several insurance agents in your area. However, most only represent one insurance company. The agents who represent more than one company may be even worse.

Since insurance sales agents represent the company, they may not put you first. They usually put their commissions first. If you talk to them, double check the rates they quote you.

There are websites that will compare rates for you. But should you use them?

I would recommend always double checking with the carrier’s website before you pay your premium. For example, if you find that Progressive has the lowest rate on a comparison site, go to Progressive.com and see what they quote you. Read to learn more about them below.

Should I Use A Comparison Site?

Comparison sites promise several quotes from multiple insurance companies. However, the insurance companies have to compensate the website owners if you sign up. This makes their costs go up. As their costs rise, so do their prices. Sometimes you may get a cheaper rate on the company’s website.

However, these sites are a good place to start. They can give you a good idea of the cheapest carriers in your area. From there, you can go to those companies’ websites and get a quote there. You may be surprised at the price difference.

When I worked at an insurance agency, I found out that some of the policies we wrote were higher than if you bought directly from their website. At first, that angered me. I didn’t want to give people a bad deal.

However, it started to make sense when I thought about it from the company’s perspective. If they have to pay a commission for a policy, they have to make up that cost. However, if you type in their website, they may not have to pay a commission at all.

Does It Matter Which Insurance Company I Chose?

Short answer is no, not really. The biggest differences are in the customer service and certain extras. For example, some carriers include roadside at no cost. However, the coverage options are virtually the same across companies. Usually, the coverage should be the exact same.

So when you find a cheaper rate from a company you don’t know, go ahead and sign up with them. You really have nothing to lose.

Can Auto Insurance Rates Change?

Yes! Auto insurance rates can change every day. In fact, nothing stops them from changing every minute. My rule of thumb is to expect about the same rates for a week.

It may vary a bit but usually doesn’t change too much during that time. Of course, there are no guarantees. So it may actually be a good idea to jump on a good deal when you see one.

However, it can be horrible to rush on a high rate. This is why I recommend getting at least 10 car insurance quotes before making a decision.

Generally, I see very little change in rates over a few days. If your choice is to go with the first company you chose or risk rates going up, do the later. You probably will save more money in the long run.

Don’t be too afraid of rate increases. It is also good to know that you can change policies whenever you would like. If you paid your premium but found a better rate, you can sign up with the new company. Then the old company will prorate your payment and refund you the rest.

Which Rates Are The Best?

The cheapest rates are usually the best! The name of the company does not matter. So chose the lowest rates. The coverages you buy are mandated by law. If you’re in an accident, any insurance company has to cover you. They can’t deny your claim to keep your money. They must actually pay all their requirements.

You must ensure you have enough coverage to meet your needs. For example, most financed cars will require full coverage insurance. If you are a homeowner, you will want higher liability limits. I would recommend at least 100/300 liability coverage for homeowners.

What Coverages Do I Need?

What coverages do I need to legally drive? That actually depends on your state. Each state gets to set the law that determines how much coverage you have to have, at a minimum.

However, most drivers would benefit from other coverages. Depending on your situation, you may even require a few extra coverages.

What Is Liability Coverage?

Liability coverage is for accidents where you are at fault. It coverages damage to the other vehicle and the medical bills for the other people. Each car insurance policy has a limit on how much it will pay out. This often will prevent you from having to pay to fix another person’s car.

Liability is essential coverage. This is primarily what every state requires. Most car insurance companies cannot sell you a policy without liability coverage built in. Florida would be a clear exception. They require property damage coverage instead as they are a no-fault state.

What Is Collision Coverage?

Collision coverage, as the name suggests, is for when you are in a collision accident. You can use it to have your car repaired if the other driver’s insurance doesn’t pay for it. This allows you to get your car back. If your car is totaled, they will write a check for the value of your vehicle, minus your deductible.

While they will cover the cost of your repairs, you will be responsible for your deductible.

What Is Comprehensive Coverage?

Comprehensive, also know as other than collision, will cover damages to your vehicle when it’s not in a collision accident. If hail rains down and damages your car, it’s a comprehensive claim. If a deer runs into your car and smashes the front of your car, it should be covered by comprehensive coverage.

What Is Full Coverage?

Full coverage is liability with comprehensive and collision coverage. In fact, it is very uncommon to have either collision or comprehensive separately. Full coverage is usually what drivers need.

In fact, if you have a car payment, you’re probably going to need full coverage.

If your car is newer, you probably want full coverage. If you live in an area with crazy drivers, get full coverage.

What Is Uninsured Motorist Insurance?

What happens if some hits your car and they don’t have insurance? Or what if you have a hit-in-run?

Uninsured motorist insurance will cover you in those situations. Everything from mystery door dings to having your car totaled while it’s parked on the road should be covered.

What Is Underinsured Motorist Insurance?

What if the other driver only has the state minimum and you have a nice car? While, you might be able to recover damages above the state minimum. This would make driving a $100,000 car much riskier in most states.

This is where underinsured motorist coverage comes in. They will pay the difference in your expenses and what the other insurance company pays.

What Is Medical Payment (MedPay) Coverage?

Medical Payment Coverage that helps pay the medical bills for you and your passengers. It will help with those bills no matter who has fault in an accident. It’s available in non no-fault states. It can help you with:

  • Health Insurance Copayment and Deductible
  • Doctor Visits Costs
  • Surgery and Imaging Costs
  • Ambulance and EMT Costs

The coverage is usually optional. It can be a good idea if you are worried about having to pay for those services yourself.

What Is Personal Injury Protection Insurance?

Personal injury protection covers your medical bills. In some states, your insurance pays your medical bills. This can actually lead to lower rates in some circumstances.

Here are a few states that require personal injury protection:

  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Pennsylvania
  • Utah

What Are The Differences Between Medical Payments and Personal Injury Protection?

Personal Injury Protection is required in states where it is offered, called no-fault states. But Medical Payments are always optional in states where is it offered.

Personal injury protection can also help cover lost wages and child care.

What Is Gap Insurance?

If you buy all your cars in cash, don’t worry about Gap. Gap insurance covers the difference between the value of your vehicle and what you owe on it. If your car is totaled and was worth $10,000 but you owe $12,000, gap would cover that difference.

As most people are underwater in their vehicle, I would recommend considering gap.

What Is Towing And Labor Insurance?

This is an optional coverage. It usually is used to tow your car if you can’t drive it. Sometimes this is after a car accident but it can be used if you need your car towed to a shop.

In addition to towing, it may cover tire changes, gas, oil and water delivery, battery and lockout services. These can be an absolute lifesaver when you are stranded someone.

What Is Rental Reimbursement Insurance?

As the name suggests, rental reimbursement insurance will cover the cost of transportation expenses. If your car is in the shop after an accident, it will cover the cost of the rental. It may also cover public transportation fare. If you have to take a taxi, it may cover that too.

Of course, this only applies after a car accident. It is an option coverage you can add to you policy. No policy should require it.

The coverage on each policy has limits. It usually is somewhere around $20-50 a day. There may also be a limit on how many days they will pay for. After that, you will have to pay out-of-pocket. However, there usually is no deductible for rental reimbursement insurance.

What Is Classic Car Insurance?

You may think you would need the same insurance for a classic car. You would be wrong! Classic car insurance can give you a great value while better protecting your class car.

Normally, car insurance only covers the actual cash value of your car. Kelly Blue Book can give you an idea of that. However, you’re classic car may be worth a lot more money!

For example, they may think a 1992 Ford Mustang is only worth $1,000. But you know it would cost at least $10,000 to replace it. Classic car insurance covers the value you specify or appraised value. In my experience, they often have some of the cheapest rates.

Your car may be a classic car as long as it is at least 19 years old. You may also need to drive fewer than 7,500 miles a year to qualify. It will have the same types of coverage as other policies. Because these policies are some of the cheapest, it is worth it to have a separate policy for your classic car.

For example, your household may have a red 1992 Mercedes 500SL, a 2018 Honda Civic and a 2020 Ford Focus. You would want to put the Mercedes on one policy with the other two on a regular car insurance policy.

That way, you can save money but still be fully covered.

What Is New Car Replacement Coverage?

Are you worried about needing a new car? Unfortunately, even with full coverage, usually the insurance company will only pay you what your car was worth before the accident. This may not be enough to replace the vehicle you drive.

Let’s say you buy a brand new $25,000 car. If you get in an accident after owning it for 3 years, it may only be worth $7,000. If that’s the case, you may not even be able to replace it with a comparable car. New Car Replacement Coverage will help you get a new car after an accident. It is an optional car insurance coverage.

With some carriers, if your car is two years old or older, they will full replace your car with a new one. This is great for new car buyers. If having a reliable vehicle is worth buying a new car every few years to you, this is probably a coverage you would want to add to your car insurance plan.

What Is Ride-sharing Coverage?

Do I need new car insurance if I am doing ride sharing, such as Uber or Lyft?

Since ride sharing is business use, most personal car insurance policies won’t cover you. However, the most common rideshare companies do offer protection while you are actually driving the customer. This creates a confusing situation.

To remedy that, several car insurance carriers have made policy coverage options just for ride sharing. These will cover the gap between your personal use of the vehicle and the coverage Uber and Lyft provide for their drivers. This way, you will be covered at all times.

If you drive for Uber or Lyft even occasionally, you should have ride sharing coverage on your policy.

What Is Sound System And Accessory Coverage?

If you spend a bunch of money on tricking out your car, you may want this coverage. It will let you insure all the audio or special equipment you added to your vehicle.

If you would cry over having to replace your sound system, you’ll want this coverage. If you are one of those people who look like they belong on Pimp My Ride, you probably have spent extra money on your sound system and other accessories.

Do I Need Car Insurance With A Driver’s Permit?

In most states, no. The insurance company of the driver will cover a driver with a learners permit. This is one reason why some parents do not let their high school kid get their license.

Unfortunately, young drivers usually have much higher insurance rates than more experienced drivers. For this reason, it may be a good idea to have your child get their permit as young as they can but wait to get a license. This way, they can build up a bit of a driving history before having to pay for insurance.

How Do I Get Car Insurance Without A License?

Again, if you have a permit, you shouldn’t need your own car insurance policy. Some people need car insurance without having a license. Usually, they need an SR-22 or FR-44 Policy. However, that usually is only for people with suspended licenses (see below).

However, you can actually buy a car without license. If that is the case, you probably won’t need insurance until you get a license.

Just as a reminder, there are policies that are SR-22 and FR-44 only policies. They are usually rare but they don’t cover damage to your car. You also usually can’t legally drive with them unless added to a normal car insurance policy. Always make sure you have the right policy for your needs.

Can I Get Car Insurance With A Suspended License?

Yes! You can get SR-22 insurance with a suspended license. Usually, this is actually required by your state to get your license reinstated. Most car insurance carrier will do SR-22 policies. They usually end up being rather cheap since you won’t be driving or insuring a vehicle.

Some people with alcohol or drug-related DUIs may need an FR-44 certificate. Basically, this is when a car insurance company sends a form to the DMV every month so there is a record of you having car insurance. If at all possible, I would recommend doing a paid-in-full option. That way, there won’t be any reason to worry if a premium payment is delayed or bounces.

How Can I Get Cheap Car Insurance For A Teenager?

Car insurance for teenagers can be tricky! Since they don’t have much or any of a driving history, it is likely that they will have higher rates. Of course, this can vary based on geography and on the driver.

Generally, young male drivers have higher rates than young female drivers. This trend continues on through the mid-twenties or so. Unfortunately, there really isn’t a way around it.

After a few years of clean driving, their rates will go down. One tip is to have them attend drivers education. Usually, this will lower their rates in states where it isn’t required.

Several insurance companies will also give them a discount for having good grades. This can also help lower the cost.

However, whatever you do, don’t make your teenager get their own policy! Some parents think they are teaching their children to be responsible by making them pay for their own insurance. While there is nothing wrong with having them work, there is a better method.

Put your teenager on your policy as an additional driver. As he or she may end up driving your vehicle, this should work out. If they need to pay for insurance, have them pay the difference in your rate after adding them. This way, it will be cheaper overall and it won’t destroy your budget.

When I worked as an insurance agent, I saw too many parents make that mistake. They thought their 16 year-old kid needed to be the named insured on a policy. This makes everything more complicated and expensive.

Step One: Shop For Quotes

You’ll want to get as many quotes as you quickly can. I would start with two comparison sites and then go from there. Unfortunately, car insurance quotes are a qualification process. They usually take time. Using a comparison website can speed up the process.

After you have found the cheapest 2-3 rates, go to those companies’ websites and get quotes there. See if they are the same as from the comparison site. Then choose the cheapest.

Step Two: Select The Coverage You Need

This actually goes along with Step One. If you don’t know what you need, read the information above about full coverage and liability. Those paragraphs will give you a pretty good ideal of what you’ll need.

You don’t want to overpay but being underinsured could cost you heavily. Make sure you have a basic understanding of each common coverage option.

Step Three: Pay Your Premium

Most insurance policies last for either 6 or 12 months. However, most default to a monthly payment. Sometimes there is a discount for paying the policy in full. Sometimes it doesn’t matter. If you can save a couple dollars and you’re in a position for it, pay it in full. If there is no discount, just do the monthly payment.

After you have figured out the cheapest carrier for the coverage you need, picked a payment option, go ahead and pay that first premium. After you do that, they will bond your policy making it effective. If you got in an accident even two minutes after that, you would be covered.

Step Four: Print Out Your Insurance Card

You’ll want proof of insurance in your vehicles as soon as possible. You don’t want to be pulled over without your card. You don’t want to have an accident without insurance information. So make sure you have the cards handy. Usually the best spot is in the glovebox next to your car registration.

Summary

Naturally, car insurance is a necessary evil. No one likes paying for it but they love piece-of-mind and being taken care of when they’re in an accident. When you’re in an accident, it is great to know that you will be okay.

Please take the time to learn about each coverage. This will help you get what you need without paying for things you’ll never use. For example, most people won’t need sound system and accessory protection in the vehicle. However, if you have Forgiato rims and a couple subwoofers, you probably will want that to be protected.

If you want to learn more about car insurance, be sure to look around at a few more posts. If you can’t find an answer you’re looking for, please comment it down below!

How To Shop For Car Insurance In 2021

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Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

How To Shop For Car Insurance In 2021
How To Shop For Car Insurance In 2021

Are you trying to figure out how to get cheap car insurance? Shopping for insurance rates can be hard. But this guide will help you shop for the best car insurance rates In 2021!

The best way to shop for car insurance in 2021 is to shop online. Use a comparison site and then go to the company’s website to verify the rates.

Car Insurance Is Confusing!

Shopping for car insurance can even confuse the best of us. So it doesn’t matter how long you’ve been driving.

Car insurance companies use terms you don’t always know or remember. Shopping for car insurance seems complicated. And the biggest part of it is knowing what coverages you actually need. That way, you won’t be paying for anything extra.

This will also make sure you get the coverage you need. I’m sad every time I see someone get into hit-and-run without uninsured motorist coverage.

If they had it, they would be able to get their car fixed or a new one.

Unfortunately, most people seem to go for the state minimum. While that can be all you need, it likely is not. And usually, for literally a couple more dollars a month, you can get better coverage.

Shopping For Car Insurance Is All About Comparing Rates

After that last paragraph you may be thinking “hey, wait. I want to save money, not spend more of it!”.

Here is the greatest secret with car insurance: better insurance can still save you money. This is true in a couple of ways.

Having less insurance usually will cost you more. If your car is totaled without full coverage, you now have to buy a new car.

Even if it cost $100 a month extra for full coverage, if your car is worth $12,000 it would pay for itself in less than 10 years.

When you compare rates, you can afford better insurance. I found that I was able to get better coverage for about 1/3 of what I was paying when I changed carriers. This seems crazy but it’s true.

Shopping for car insurance is all about getting lots of quotes. This will let you see where offers the best rates for the best coverage.

What Car Insurance Coverages Do I Really Need?

The world of car insurance is crazy. There are so many different options. Even different states and companies may call similar coverage different things.

If you’re not sure what coverage you need, check out my guide!

It will help you know if you need full coverage or liability, plus a whole lot more!

Summary

Now you know some of the secrets to shopping for car insurance. This tips can help you save a TON.

One of my favorite companies to shop is actually Root Insurance. You may want to check them out!

Please leave us a comment if you learned anything in this article!

Are Car Insurance Quotes Accurate?

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Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Are Car Insurance Quotes Accurate? Can I Trust The Quote My Insurance Agent Gave Me? Will My Car Insurance Rate Change Over Time?

Are Car Insurance Quotes Accurate?
Are Car Insurance Quotes Accurate?

Should I Trust A Car Insurance Quote?

This is a great question! It really depends on how you got your quote. If it is accurate, which we will get to next, you can trust it. However, you not trust it is the best quote for you.

With car insurance, the rates can vary dramatically. The company is usually the biggest difference in rates. However, you should also make sure you get the right coverages.

If you have coverages you don’t need, you will end up paying far more each month. What coverages do you need? I put together a guide right here that will help you know what to get.

Are Car Insurance Quotes Accurate?

The best indication of how accurate the quote is based on how many information you gave them. The more information you give them, the more you can trust the rate.

Some companies give you a quote without much personal information. These usually aren’t worth very much.

Without your credit and driving history, it is impossible to have an accurate rate.

If they didn’t ask for your permission to check those records, it isn’t an accurate quote. Be prepared for it to possibly go up substantially.

Will My Car Insurance Rate Change?

Car insurance quotes can sometimes change before you buy them. That can happen for all sorts of reasons. Remember, after all, that a quote is a estimated price.

If they didn’t run your driving history, it may go up later. Some carriers may not run your driving history until after you signed up with them.

So if there is an old accident or parking ticket on your driving record, your rate may go up.

Or if you are in an accident, even not-at-fault, your rate will go up. If you make a claim on your insurance, the rate will go up.

I recently renewed my policy and found that it increased a bit due to a couple of tows. If I had known for sure, I would have used AAA or paid myself.

If you move, your rate could also change. Some zip codes are more prone to accidents. Those zip codes usually have higher rates.

When house or apartment hunting, it might not be bad to get a quote in that area first. That way, you won’t be surprised later.

Summary

Are Car Insurance Quotes Accurate? Not always but now you will have a better idea when to trust them!

I usually recommend Root Car Insurance!

Car Insurance Quotes Michigan

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Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Car Insurance Quotes Michigan
Map Courtesy of Bureau Of Labor Statistics

Trying to find car insurance quotes in Michigan? This article will help you find auto insurance in Michigan.

Do You Need Car Insurance In Michigan?

Yes! All drivers in Michigan need car insurance. You can’t legally drive without car insurance in Michigan. So you’ll want to have insurance before you get behind the wheel. In fact, you probably wouldn’t even want to drive without insurance.

What Type Of Car Insurance Do I Need?

In Michigan, drivers need liability coverage. The state minimum requirement is $20,000 for bodily injury or death to one person, $40,000 for more than one person and $10,000 for property damage per accident.

As of earlier last year, the law no longer requires unlimited personal injury protection. But you’ll still have to have some amount of it. Of course, you actually need more coverage, depending on your situation.

Which Car Insurance Companies Are In Michigan?

According to The Zebra, here are the top 10 Insurance Companies in Michigan by cheapest average premium.

  • Safeco
  • MetLife
  • USAA
  • Chubb
  • MEEMIC
  • Pioneer State Mutual
  • Progressive
  • State Farm
  • Farmers
  • Hanover

Why Is Car Insurance So Expensive In Michigan?

There are several reasons why your car insurance may be so expensive. Those reasons are true regardless of the state. However, the unlimited personal injury protection requirements of the past raised rates.

It was one of the highest PIP requirements in the nation, if not the highest. Average rates will likely go down. Although this is no longer required, you may still want a high amount of coverage.

Summary

Now you know the state minimum auto insurance requirements in Michigan. You know where to find car insurance quotes in Michigan and even have a list of some places to look for quotes. Try and get at least 10 quotes before you pick a carrier.

Let us know in the comments where you found the cheapest rates!

Where To Get Auto Insurance Quotes
Car Insurance Quotes Delaware

Car Insurance Quotes Delaware

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Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Are you looking for car insurance quotes in Delaware? This article will help you find all the best places to find auto insurance in Delaware.

Car Insurance Quotes Delaware
Photo Courtesy Of Forbes

Do You Need Car Insurance In Delaware?

Yes! In The state of Delaware all drivers need car insurance. You can’t legally drive without car insurance. In fact, the first offense of driving without insurance is $1,500. It only goes up from there! You’ll want to make sure you have insurance before you get behind the wheel.

What Type Of Car Insurance Do I Need?

In Delaware, drivers need liability coverage. The state minimum requirement is $25,000 for bodily injury or death to one person, $50,000 for more than one person and $10,000 for property damage per accident. You also must maintain personal injury protection. You must have $15,000 per person, $30,000 per accident and $5,000 for funeral expenses. However, you may want more coverage, depending on your situation.

Which Car Insurance Companies Are In Delaware?

Although not an extensive list, here are a few of the companies you may what to check for car insurance quotes in Delaware.

  • Root Insurance
  • USAA
  • Travelers
  • Cal Casualty
  • Nationwide
  • MetLife
  • Donegal Mutual
  • State Farm
  • Progressive
  • Allstate
  • Sentry
  • American Family
  • Liberty Mutual
  • National Grange
  • Geico
  • Erie Insurance

Erie and Geico actually look like two of the cheaper carriers in the state.

Why Is Car Insurance So Expensive In Delaware?

There are several reasons why your car insurance may be so expensive. Some of these are true regardless of the state. However, the relative high personal injury protection requirements may be why it is pricy. It has one of the highest PIP requirements in the nation. Although this may be helpful after an accident, it is big risk to the insurer. They may have to pay out $50,000 to the other party and $35,000 to the one who caused the accident, in case of death. Hopefully, that won’t be the case.

Summary

Now you know that you must have insurance in Delaware. You know the state minimum requirements. You also have a list of some places to look for quotes. Try and get at least 10 quotes before you pick a carrier.

Root Insurance Is Now In Delaware!

So you should download their app since they have the best rates I have seen. Also, they’ll give you $50 just for getting the quote if you download the app here!

Car Insurance Quotes Michigan

Are Car Insurance Quotes Free?

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Do I have to pay for quotes? Are car insurance quotes free? How can I get free car insurance quotes?

Are Car Insurance Quotes Free?
Are Auto Insurance Quotes Free?

What Is A Car Insurance Quote?

A quote is the estimated cost of a product or service. With car insurance, getting a quote is the first step in getting coverage. Because you can’t agree to buy something not knowing its price, insurance companies have to give you a quote.

However, quotes can change. Unlike a normal price, a quote isn’t necessary guarantee. With any good quote, they will check your driving and credit history. However, these are only some of the factors in a rate. Even an increase in car accidents in your area can raise your rate.

Why Are Car Insurance Quotes Free?

Since a quote is a tool for an insurance agency to get you as a client, they are free. How would you know if you could afford a rate without a number? To get you as a customer, they have to tell you the price. If they charged you money for a quote, you’d be less likely to buy their product. Car insurance quotes will probably always be free.

These quotes are how the companies compete for your business. However, since insurance is an application process, it takes time to get each quote. One way they can keep your rates high is by discouraging you from getting quotes from multiple companies.

And yes, they should include taxes.

How Many Free Car Insurance Quotes Should I Get?

Generally, you will want at least 10 car insurance quotes. This will help you avoid overpaying. Also, you’ll get a good idea of a fair rate. Since insurance is so personalized, it can be hard to know if it is a good rate. Seeing several quotes will help you know. Of course, the more quotes you get, the better. 15 or more quotes is generally a good idea when trying to find a good rate.

How Should I Get Car Insurance Quotes?

Comparison websites are a good place to start. However, I recommend double checking the rate from the company’s official website. Some carriers may have cheaper rates on their own site. The best way to get quotes is to go to the insurance company’s website. Agents may not have your best interests at heart.

Summary

So you now know that auto insurance quotes should be free. You know why they’re free and how to get some of the best quotes. This can end up saving you hundreds or thousands a year!

However, if you want the best rate on car insurance, try Root Insurance.

Are Car Insurance Quotes Negotiable?

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Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Can I negotiate my car insurance quote? How can I save as much money as possible on car insurance?

Are Car Insurance Quotes Negotiable?
Are Car Insurance Quotes Negotiable?

Can I Negotiate Car Insurance Quotes?

Do negotiable car insurance quotes exist? No, you can’t negotiate on your auto insurance quote. However, there are several things you can do to get lower quotes. The most important is to get as many quotes as possible. Since each quote is really a price proposal to you, try and get as many proposals as possible. If you have 15 car insurance quotes, you’ll have many more options. Sometimes, the cheapest rate is the last one you get. Make sure you keep looking until you’re satisfied. For some people, spending a few hours to get extra quotes may not seem worth it. Just remember, $10 extra per month is an extra $120 a year. Unless you charge much more than that an hour, I would recommend putting in the time.

Of course, most car insurance policies are for either 6 or 12 months. However, usually whichever company gives you the best rate will continue to do so in the future. Personally, I have been using the same insurance carrier for the last 2 years. Even after I was involved in a car accident, they still had the lowest rates. Taking my own advice, I checked with 15 other companies just to make sure.

What Can I Do To Get My Car Insurance Quote Down?

Although you can’t find negotiable car insurance quotes, you can make sure you get all the discounts for which you qualify. You can check for any specific discounts for your state. For example, since many people in Utah do not drink alcohol, may carriers will give non-drinkers a discount. Unfortunately, that is uncommon in other places. New Jersey allows you to waive your right to tort. This means that you won’t file a lawsuit against them. Since this protects them from liability, they will usually give you a lower rate.

Usually, you can find discounts for being married, your age, low use of the vehicle, safe driving, being a good student, being a homeowner and having current auto insurance. Not all insurance companies give all of these discounts. But it is always worth asking.

Summary

Because you can’t negotiate your auto insurance quotes, you’ll want to get as many quotes as possible. This will help you make the best decision you can. Get quotes from companies you know and trust. Get quotes from companies you’ve never heard of. They should be fine. In fact, I actually got my car insurance using an app. You should check out Root Insurance today!

Why Is My Auto Insurance Quote So High?

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Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Is your auto insurance quote high? How can you get cheaper insurance? Why is car insurance always so expensive?

Why Is My Auto Insurance Quote So High?
Why Is My Auto Insurance Quote So High?

What Makes An Auto Insurance Rate High?

There are all sorts of reasons why your car insurance right might be high. Some of the things are out of your control. Some of them you can change pretty easily. I will tell you a bit about what you can’t change. But I will focus on what you can change, often very quickly.

What Can’t I Change About My Car Insurance Rate?

You may not be able to change your zip code. The number of accidents and likelihood of accidents in your zip can raise your rate. However, it usually isn’t easy to move. You may not be able to change the coverage you need. If you own a home, you need more coverage. If you are financing your car, you need full coverage. You may not be able to change those quickly, so let’s not worry about them.

What I CAN Change About My Car Insurance Rate!

You can often change your driving history by taking traffic school. Since this gets rid of points on your license, it can make insurance cheaper. Over time, your driving history will get cleaner and rates may go down. You can change the type of car you drive. The cost of insurance largely depends on your vehicle. Do you have a new car? That is why your auto insurance quote so high. Sometimes, you can get a used vehicle that is cheaper to insure. Once you pay off your car, you can get liability coverage.

Sometimes a poor credit history will raise your rate. You can put the utilities in your name. Also, you can open a secured credit card. Maybe you can make arrangements to pay your bills on time. All of these things can make it cheaper when you get a quote.

Are you still getting high rates? Then don’t be the named insured. The first name on the policy is often the named insured. Usually, their record affects the rate the most. So if you have a bad record, have your wife be the named insured. Plus, women generally get lower rates anyways. Do you live with anyone who would add you to their insurance? Paying the difference is usually cheaper.

The BIGGEST Reason Your Auto Insurance Quote So High

Your quote is from the wrong company. The company you chose wants to charge you a ton of money. Maybe it is time to look elsewhere. If your first quote is high, try to get at least 9 more. The investment of your time will handsomely pay off over a few months. Get as many quotes as you can and let the insurance companies fight for your business. You work hard for your money so don’t give it all away. Even $10 a month is an extra $120 a year.

Summary

You may have high insurance rates. You may get tons of expensive quotes. However, using these tips will help you get the best rate. If you can only use one, get as many quotes as possible. So always check for lower rates. One day, you may just be surprised.

Personally, I use Root Insurance. After getting about 15 quotes, they were about half of the other rates. You should try them! In fact, if you use my link, we both get a $50 gift card when you get a quote. You don’t even need to buy from them!

Top Five Tricks Car Insurance Salesmen Use

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Disclosure: The ads and links on this website may promote products. We may receive compensation. Always check with legal professionals before making any financial decision.

Here are the top five tricks I saw car insurance salesmen use to try and get more money out of you. Falling for any one of these tricks could cost you THOUSANDS a year!

Number 1 Trick Car Insurance Salesmen Use: Saying They Found You The Best Rate

The first trick car insurance salesmen use is lying. Car insurance salesmen are under NO OBLIGATION to tell you the truth. They can lie straight to your face and misrepresent the truth with no legal repercussions. This is because they have no fiduciary duty to you. If you hear them say any of the following, LEAVE: “this is the best rate on the market.” “I found you the lowest price.” “With your record, I don’t know if any other company will even take you.”.

Most of the time, these are just lines to trick you into thinking they are working for you. In fact, if they work with multiple companies, they probably will only telling the prices from the companies that pay them the most of your money. Only believe that is it the cheapest rate after you have looked at 10+ quotes from at least 3 different websites or companies.

Car Insurance Salesman Lie
Car Insurance Sales Agents Can Lie To You

Number 2 Trick Car Insurance Salesmen Use: Let’s Start At Higher Coverage And See How Affordable It Is

When I sold auto insurance, I was told to always find them a quote at 100/300/100 coverage. To be clear, if you are a homeowner or have substantial assets, you want AT LEAST 100/300/100. In fact, 250/500/150 is probably where you should start. However, if you are a renter or are uncollectible, you just want the state minimum coverage. This is because once the insurance policy is exhausted, it wouldn’t make sense for them to take you to court.

They can’t take anything away from you if you don’t have much to take. However, the reason insurance salesmen will start with this rate is either to make a higher commission or to make the rate you end up getting seem more affordable than it really is. Makes sure you know your state’s minimum requirements BEFORE you go in and double check what they quoted you.

Number 3 Trick Car Insurance Salesmen Use: You’ll Want Full Coverage

This is another one of the tricks car insurance salesmen use to boost their commissions. Full coverage does make sense when you finance a car, if the car is newer or you live in an area with lots of accidents. Most car loans require full coverage and it probably makes sense if your car is 5 years old or newer. If you total your car and you know it wouldn’t be worth the cost of repairs, skip the full coverage. The law only requires liability coverage (and some states require personal injury). A rule of thumb is that full coverage is roughly twice the price of liability. If your car isn’t expensive to replace, do yourself a favor and save the difference toward the cost of repairs.

Number 4 Trick Car Insurance Salesmen Use: Bundling In Coverages You Don’t Need

Would you like to add renters insurance? Would you like to make sure your house has coverage? Do you have enough life insurance?

Bundling can save you a bundle but only when you need the coverage anyway or it overall lowers the premium. If adding renters insurance lowers the overall cost, add it. If it adds even $1 per month, skip it. Renters Insurance only makes sense if you have several expensive items. Also, there are usually coverage limits on things such as jewelry and electronics. Insurance agents can make more money by having you add a $15 a month renters policy. However, that adds up to an extra $180 a year for something your probably won’t use anyway.

Insurance Salesmen May Not Give You The Coverage You Need
Car Insurance Agents May Give You The Wrong Coverage

Number 5 Trick Car Insurance Salesmen Use: Bundling In Roadside (And NOT Telling You)

I quit my job as an insurance agent and this is the biggest reason why. This trick car insurance salesmen use to make more money. In our agency, we were told to have the customer buy roadside on EVERY policy. To be clear, most car insurance companies include free roadside with every policy and people often have AAA already so they don’t need this. Because most people calling in for car insurance just want insurance, they taught us to not even tell the customer they were getting roadside until after they agreed to a legally binding recorded message. My sales trainer taught me to say things such as: “don’t get confused when the message says this isn’t insurance. It’s just a legal requirement.” Or “try not to fall asleep to this boring message! Just say ‘I agree’ after it ends”. This was allegedly legal but deceitful.

We also couldn’t change the price of insurance but we could sell roadside at a cheaper rate. If we told someone that it would be $300 to get started today ($150 for insurance and $150 for roadside) and they said they didn’t have it, we would put them on hold to talk to “underwriting”. Really, we would just put them on hold for about 30 seconds and the price would magically drop by $25. If that was still too high, we would rinse and repeat until the roadside was half the price. If that was still too high, we either wouldn’t do business with them or we would, sometimes, drop the roadside. They designed this process to squeeze every cent we could out of each customer.

Why Was This So Bad?

This wouldn’t be so bad except that the agency exclusively targeted low-income people. These people were sometimes homeless or trying to get back on their feet after jail, divorce or a DUI. They encouraged us to try and take advantage of the customer’s naiveté by draining their bank account dry. If they didn’t have the money, we would ask when their payday was, who could loan them the money, if we could split up the payment (still not telling them that half of it was roadside assistance) or set them up with liability when their auto loan require full coverage. It made me feel gross and slimy on the inside but most of my coworkers are still using those same tactics everyday.

Be Careful Out There!
Be Careful Out There!

Be Careful Out There!

So there are my top five tricks car insurance salesmen use to take advantage of you. If you want to skip the insurance sales agent all together, try Root Insurance. I love having their insurance! Click Here to read my Top 5 Reasons I think they’re the best car insurance company.