Reader’s Question:

I’m helping my boyfriend get his car insurance. I want cheap car insurance quotes that I can get in a convenient manner. Also, I want it to be available in an instant. So where can I get instant car insurance quote?

Timmy

Nashua, NH

Your thoughts Timmy are exactly the thoughts of most car insurance buyers. And thanks to technology, we now have the choice to enjoy finding cheap instant car insurance quote through the Internet.

At present, there are an abundance of car insurance carriers all vying for the same thing – to win a customer. And how do they do that? By making every possible step to meet their customer’s wants: superior customer service; car insurance deals that are difficult to decline from a consumer’s point of view; and uncomplicated design in searching for car insurance quotes. And all these things can be found if you use the Internet.

As you know Timmy, car insurance quotes are different among car insurance companies. So by just shopping for car insurance quotes online from different insurers increases, you can possibly get cheap instant car insurance quotes in your area.

In addition, when looking for cheap instant car insurance quote, you must take into consideration these things:

• Your car’s function. Is it going to be used more than often? If it is, more likely you will be paying higher for your car insurance cost.
• Your car’s value. If it’s a high valued car, you’ll also get high-priced car insurance premiums.
• Your driving record’s looks. Is it clean? The better driving records the lower car insurance quotes you can get.
• Your age. Are you younger? A teen driver perhaps? Then your car insurance rates will be more. You can enroll in a driver’s education program to help you get lower car insurance rates.

For additional information about getting car insurance quotes, you may want to check with your car insurance agent too.

Reader’s Question:

I’m searching for cheap car insurance. My cousin told me that I should increase my deductible to get cheap car insurance quote. Is there any truth about that?

Millie

Topeka, KS

That’s correct Millie. I, myself, chose higher deductibles for my car insurance policy. And if you’ll ask me why, that would be to save more on my car insurance premiums. To clarify what a deductible can do to lower your car insurance premiums take this situation as an example:

I have a deductible of $100. When I filed for car insurance claim it totals to $1000. I am required to make the payment for $100 first before my car insurance carrier will pay for the remaining $900 for my claims.

Going for higher deductibles saved me a lot of money. But choosing to have higher deductible also means I need to avoid having road accidents. As much as possible, it’s best to avoid getting into traffic accidents so as to avoid asking for car insurance claims most especially if like me, you have also decided on raising you deductibles. And the reason for that is simple. If you have higher deductibles and you made your car insurance claims, you will only end up paying for some part of your car insurance claims before your own car insurance carrier settles his part. And I’m sure you wouldn’t want to pay so much for your car insurance claims right from you own pockets. And this is how car insurance companies view it. If a person has the courage to go for higher deductibles that means that person would exert all his efforts to avoid getting involved in any kinds of traffic accidents to lessen the possibility of filing for car insurance claims. And that’s why with higher deductible comes the possibility of getting cheap car insurance quotes.

In addition, if you are wondering about what types of car insurance policy offered deductibles that would be comprehensive and collision coverages also known as physical damage. Physical damage, by the way, offers protection to you by covering your car’s damage whether you caused the accident or not.

The amount of deductible varies but in most cases it can be $250, $500, or $1000 for physical damage. Not everyone chose to have the same amount of deductible for comprehensive and collision coverage. Some chose to have $100 deductible for comprehensive coverage since this kind of car insurance coverage does not require higher claims (this coverage normally involves vandalism) and $250 deductible for collision.

Remember, there are two things that you need to consider before getting higher deductible – your financial capability and your own driving skills. Are you financially ready to pay for the amount of your deductible once you’ve made your car insurance claims? And are you a good driver who is least likely to make car insurance claims?

To get your cheap car insurance quotes, shop around for car insurance quotes. Get as much as you can to increase the possibility of getting the car insurance rates that you want.

Reader’s Question:

I’m looking for the cheapest car insurance quote. What’s the best way to find it?

Keith

Denver, CO

The cheapest car insurance quote will be different for each driver. Not because each driver has his or her own definition of the word ‘cheap’ but because the car insurance quotes we receive are based on certain factors which limits how low the quotes can go. Car insurance companies categorize drivers into different classes based on age, gender, driving record, credit history and the kind of car a particular driver owns. This is how they determine the potential risk of a driver.

What variations you might find in the quotes you receive are the result of the differences in the way car insurance companies conduct their business. Some focus on certain classes of drivers and compute better rates for such. Others are able to keep a low overhead and thus set more competitive pricing. So the best way to find what for you would be cheapest car insurance quote is to be careful not to grab the first quote you’re offered with. Gather as many as you can and you’ll soon see that there’s always some other provider willing to insure you for less. This way you can now make a better comparison. Don’t make price the center of your attention. It can happen that the cheapest car insurance quote you get can also be the one for the most limited kind of coverage and that means you really didn’t get your money’s worth.

Reader’s Question:

I’m 18 years old, and I overheard my mom’s friend trying to talk my mom into helping her find a cheap high risk car insurance for her husband who had been caught driving while drunk again. I really want to help her because aside from her husband’s drinking problems, she also narrated her other problems in their household while I was pretending so hard talking to a friend on the phone in our living room. What is high risk car insurance? Where can she find a cheap high risk car insurance?

Dave

Los Angeles, CA

Hi, Dave. First and foremost, let me tell you that eavesdropping to other people’s conversations, especially of older people, is not really a good habit. But because of the eavesdropping, you learned a new phrase that will bring you new knowledge, I will condone it for now. As an answer to your question, high risk car insurance is required of those drivers who have had lots of speeding tickets or those who have had DUI/DWI offenses. Even a teenage boy like you can be considered a high risk driver for it can mean you are a less-experienced driver, which can also mean that you are prone to causing road mishaps.

Now, the main issue here is, your mom’s friend is inquiring about where she can get a cheap high risk car insurance for her husband. Confess to your mom that you eavesdropped to their conversation and that you heard her friend’s concern. Tell your mom to suggest to her friend to search the Internet to get free online quotes for a cheap high risk car insurance. Almost all insurance companies, if not all, give a free quotation online. But you must also tell your mom to encourage her friend to be honest to the insurance company/ insurance agent regarding her husband’s driving history. If she doesn’t, the insurance company can–actually, more often than not, will–cancel the insurance policy once it finds out the insured’s past from means other than voluntary disclosure.

Well, Dave, I hope that your eavesdropping can do some people good.

Reader’s Question:

I am planning to get my own car this summer, and I need to know how to find cheap car insurance quotes. I am 20 years old, and I have my own business. The budget is a bit tight because of the business–that’s why I’m looking for the cheapest insurance I could possibly have.

Alvin

Savannah, GA

In general, when you are in a tight budget and you want to find cheap car insurance quotes, the best thing you could do is to get the minimum insurance coverage required by GA. The state of GA requires every car owner to maintain a 25/50/25 liability insurance coverage. This figure stands for $25,000 worth of coverage for the bodily injuries of one person, $50,000 for the bodily injuries of two or more persons, and $25,000 for the property damages. These figures are set to cover damages per incident occurrence.

If you plan to get the minimum coverage, the only things that you should be looking out for are the rates and the discounts. Car insurance companies change their policy rates on a regular basis. Therefore you must look for the company that offers low rates in order to get that cheap insurance that you’re looking for. You could try checking the internet or websites that offer free quotes. This would help your insurance shopping easier and a lot faster.

Aside from getting free quotes, you should also ask the car insurance companies about the discounts that they offer. Discounts greatly affect the computation of your insurance premium. However, you can never get an assurance that there will always be a discount you could qualify in. That’s why it’s best if you look for the company with the lowest rate to make sure that you really end up getting the cheapest policy.

Reader’s Question:

I’m getting my son his own car this summer. He’s 20, has graduated from high school, and has a job. Currently, he’s still staying with us, but when he gets his car, he plans to move out and find a place of his own. Can you help me find ways of getting the cheapest car insurance quote for him? I don’t want my son to pay so much especially since he’s just starting out.

Alma

Tucson, AZ

Since your son will no longer be staying in your house once he gets his car, putting him under your own policy is no longer an option. Indeed, the only way to do is for you to get him his own policy.

There are a lot of ways to get a car insurance policy. You could try getting free quotes online if you have enough time to check on the websites of all the local car insurance companies. Or you could get the help of car insurance brokers and let them do the dirty work for you. Either way is good as long you know that you get the right car insurance coverage at the right price.

The task of finding an insurance company is hard, but looking for the cheapest car insurance rates is even harder considering your son’s age. Your son belongs to the age group that is considered as the one which presents the highest risk when driving on the road. Drivers 24 years old and below register the highest number of road incidents (both fatal and nonfatal) every year. This is the reason why almost all car insurance companies consider them high risk. Your son may be a safe driver, but because of his age, you may have a hard time convincing insurance companies that your son is not high risk.

What you could do to get the cheapest car insurance quote is to try getting a discount. Normally, companies offer discounts to those who are good or loyal customers. Sometimes, they offer discounts to young drivers who attend and finish a defensive driver’s course. You may want to consider enrolling your son to that kind of program. If no discount is applicable to him, then there’s no other way but to wait for him to reach the adult age and to keep a clean driver’s record to make sure that his rates won’t keep on going up.

Reader’s Question:

What are the factors that affect getting a cheap car insurance quote?

Melanie

Naperville, IL

Hello Melanie! I’m doing some research on how to get cheap car insurance quote. And from what I’ve read from the Illinois Department of Financial and Professional Regulation Division of Insurance website, here are some of the factors that may affect getting cheap car insurance quote:

• Driving record: It’s best to keep a driving record to get lower car insurance quotes. You should avoid getting involved in any moving violations or traffic accidents. Drivers who are involved in accidents or traffic tickets usually pay higher amount for their car insurance premiums.
• Vehicle: The type of the vehicle you are driving also affects your car insurance rates. Certain vehicles like those that are expensive to repair or replace, have higher chances to be damaged in an accident of have higher risk of being stolen demand for higher car insurance premiums.
• Credit History: Maintain a good credit score. Some auto insurance companies consider your financial status when setting auto insurance rates.
• Safety Features: It’s also important to install safety features like air bags, automatic seat belt etc. to your car. Some auto insurance companies value these safety device features and offer car insurance discount to drivers who have these installed in their cars.
• Grades: If you are still studying, then strive to get an average of B or better. For some insurers, they offer a good-student discount if you are able to meet that average.

For more information, you can also ask your auto insurance agent on how to get cheap car insurance quote.