Safe Auto Car Insurance

Tips to purchase auto car insurance

These are useful points when you are shopping for motor vehicle insurance.
When buying car insurance, you have to consider the rules and regulations, as every insurance rules and regulations are vary according to city, state, and country. Therefore you will need to buy different amounts and forms of insurance cover, based on the area you live. Almost all provinces or state have their own legislation and sometimes making it compulsory for the car’s owners to purchase autos insurance online. Am I Right?

You also have to consider the amount of sufficient liability limits when purchasing auto insurance. This is because in the event that you are responsible for a car-crash or other kind of road mishap, you’re the `at fault` driver, which means that you are the one who’s responsible for paying for all related damages. If you do not carry liability coverage, the result is that you could eventually be forced to pay for those damages or losses by liquidating your property and other capital, such as your residential accommodation and your wages. 

The major action that you supposed to do is to investigate what is that you’re buying. You have to know your own requirement plus with what type of online cars assurance coverage that you willing to drop.

In this case, you have to do a research which insurance that gives you best coverage for the price you pay. Never give up to call as many brokers as you can. Look at this way -- would you be rash enough to happily settle for the very first home you see and sign on the dotted line straight off?

Some factors in determine the best auto insurance to select:

Is the car insurance agent able to not just meet but also surpass your demands?

Does the insurer/broker provide you with features that give you high value for your cash and safeguard your well-being?

Do they match industry standards for proficient and equitable service?

How are they rated for their organizational goals, corporate values, and their mission statements?


Above are some tips for you to consider before purchasing auto insurance. Maybe you guys have some better tips in selecting the best auto insurance that suit you. Please share with me.

Auto insurance quotes

At Auto Insurance , we understand the importance of finding a one-stop-shop for savings and superior coverage on not only your car insurance but possibly all the insurance for your household.

Our comparison process is simple, and we aim to provide you with enough information for an intelligent decision on how to pursue your auto insurance. Take 2 minutes to fill out the form above, and you will receive 10 quotes from the most well know companies in the industry. No hassles, no aggressive sales people, and no spam. It's your car insurance, so make the decision at your pace.

Car insurance quotes

Get a quote online or over the phone

When you receive a quote you're happy with, follow-up with the company providing it. Rest assured, one of our licensed consultants will shop your auto insurance policy among multiple providers to guarantee your low rate.

The quote you receive and the state minimum rates are your baseline. You can modify the auto insurance policy to adapt to your lifestyle. For example if you are in sales and travel by auto often, then you may want to extend your coverage in certain areas. The more time you spend on the road, the higher the chances your car will be involved in an accident.

Home & Auto: Consolidate policies and save

By combining policies with one vendor, you will be able to enjoy savings on other insurance policies for you car. For example: the Home Auto Discount can save you an additional 35% on your auto insurance each month.

Our auto insurance FAQs cover everything you need to know, from standard insurance coverage to savings tips. Also check out our Drivers Blog to get the latest news in auto care, fuel savings, industry news, maintenance tips, and where to find the best deals on auto insurance quotes. Browse our site and get access to the most current auto insurance quotes information all in one place.

Compare car insurance quotes: Cheap, easy & free

The search for affordable insurance can be frustrating because the market is flooded with a lot of hype that does not necessarily give the customer the facts. So take 2 minutes and fill out the form on the page. Use these quotes as a baseline when you make your decision on the best quote for auto insurance.

Everyone wants to save money, especially when the job market is tight. Like anything else, cutbacks usually mean making sacrifices. Or if you were to become involved in a serious accident, a sacrifice in auto insurance coverage could have an impact on your families finances. State minimum coverage does not really offer much security or peace of mind.

Get online insurance quote in minutes by filling out the online form or work 1-on-1 with a professional over the phone. Either way, use our site as a method of contacting the ten top companies for the best car insurance quotes.

10 Cheapest Cars to Insure

10 Cheapest Cars to Insure in 2011

If you are in the market for a new car, it could pay off greatly to first examine how much it will cost to insure that new vehicle. There can be a vast difference in the cost to insure one vehicle over another. Over the life of that vehicle you may end up spending thousands of dollars more than you would another vehicle. To help you with your car purchase, here is a list of the 10 cheapest cars to insure in 2011.

Determining the List of the 10 Cheapest Cars to Insure in 2010

To determine the list of the 10 cheapest cars to insure in 2011, a study was performed of the average driver from the top nationwide auto insurance companies. The average driver was a male, 40, with a 12 mile commute, a good driving record and a good credit history. The policy used in the computation was a 100/300/100 liability policy with a $500 deductible on collision and comprehensive insurance and uninsured motorist coverage.

The List of the 10 Cheapest Cars to Insure in 2011

Here is the list of the 10 cheapest cars to insure in 2011, in order, according to Automotive.com.

1. Nissan Cube
2. Honda Odyssey
3. Kia Soul
4. Volkswagen Beetle
5. Honda CR-V
6. Toyota Sienna
7. Mazda Tribute
8. Dodge Grand Caravan
9. Subaru Outback
10. Toyota Highlander

There are many other vehicles that are also cheap to insure, so you don't have to limit yourself to this list.

Common Characteristics of the 10 Cheapest Cars to Insure in 2011

What makes a car cheap to insure? There are several variables involved, but those on the top 10 list share some common characteristics. The top cars share one or more of the following that allow them to save owners on auto insurance.

• Low replacement cost
• Low horsepower
• Low risk profile of average person that drives the vehicle
• Low number of claims attached to the vehicle
• Low cost to repair vehicle
• High overall safety rating of vehicle

This list of characteristics carries over to vehicles that just missed the top 10 list. If you find a vehicle that fits these characteristics, you can bet that it is also cheap to insure.

Six of the best questions to ask a potential car insurer

In theory it’s easy to choose a car insurer based on a combination of cost and the usual policy features.
In reality, there are a host of factors which can affect the suitability of a policy for your needs and its eventual overall cost which aren't always reflected in a quote comparison or even a quick scan of the insurers website.
Here are six questions to ask potential motor insurers which can reveal less obvious differences that could impact your satisfaction as a new policyholder.
1. What's the policy on repairs?
Different insurers have different rules for what happens to your vehicle after a crash. Some will let you use any reputable repair centre and then send in the bill (though this isn't a guarantee your claim will be settled in full.) Others will let you choose your own repairer but require you to get a quote and have it authorized before you go ahead with the repairs. Others will insist you choose from a list of approved garages.
2. What is your schedule for no claims discounts?
No claims discounts can make a serious difference to the amount you pay: eventually your overall premium could be halved or reduced even further. But this isn't an issue where you can simply compare two figures: you'll need to take into account how much the discount is for each extra year without claims, and at what point the discount "bottoms out" and you can't earn any further discounts.
Check also to see what happens if you make a claim: many insurers will, as long as it's only a one-off claim and you then go at least a year without another claim, allow you to keep some or all of your discounts rather than have to start from scratch.
3. Is there a maximum no claims discount you can transfer?
Most insurers will allow you to carry over your no claims record from another insurer and offer the appropriate discount - after all, if they didn't you'd have less incentive to move. But some insurers impose a limit on the number of NCD years you can accumulate which can be as little as five years. So you could be worse off if you transferred your NCD of seven years with one insurer to another that only allows five years. In effect you’ve just lost two years of NCD which could have saved you money if you moved to another insurer with a higher NCD maximum the following year.
4. How does the payment method affect the premium costs?
In some cases, paying by cash or debit card can earn you a discount (or avoid a surcharge, depending on how you look at it.) On the other hand, some insurers allow you to pay in installments over the year, but charge a higher premium for doing so. Be sure to calculate how much this premium works out as in terms of interest and consider whether borrowing the money through an overdraft or paying on a credit card might actually work out cheaper.
5. Are there any admin charges for policy amendments or cancellation?
There can be a host of potential admin charges for specific policy events such as amendments and cancellation. Whilst your actual premiums might be the lowest around, if you have to pay hefty admin charges for simply changing your address it could prove less than competitive. Therefore scour the policy booklet for admin charges or give your shortlist of insurers a call for confirmation before buying. You can read more about policy charges in the article How to uncover hidden costs of car insurance before buying.
6. What other discounts are available?
Some of the factors that may earn you a discount include completing the Pass Plus scheme of advanced driving lessons for newly qualified drivers; fitting an alarm system from an approved manufacturer; taking out both motor and home insurance with the same provider; and agreeing to stick to keeping below a certain mileage, an option that's good for occasional drivers or light use vehicles. But which insurers offer which discounts -- and by what percentage -- can vary immensely.