Take 5 Minutes and Save on Car Insurance

Getting discounts and price cuts when it comes to car insurance may be very difficult for some people. Yet if you really know how to utilize our website that offers comparison services for car insurance quotes, you can easily save $500 on your insurance cost. Most of these sources would enable you to effectively reduce insurance costs without compromising the coverage of the insurance policies.The claim that 5 minutes can save you over $500 on car insurance is made possible by browsing for car insurance companies on the Internet. These online auto insurance services allow you to get information that would greatly help you find excellent and affordable deals when it comes to getting the appropriate insurance coverage for your car. If you think that saving $500 on car insurance in a short time is next to impossible, think again. With the availability of getting insurance quotes online, you may easily get the insurance deals you need in no time.The best way to cut cost on car insurance deals is to get into multiple car insurance quotes. These packages often contain great deals which are comparably lower than that of individual insurance quotes. The secret in spending just 5 minutes can save you over $500 on car insurance is to get a single reliable source and comparing it with other major insurance providers. By doing this, you have the highest chance of getting into the most affordable insurance deals. Looking through online car insurance deals for just 5 minutes can save you over $500 on car insurance.This can be efficiently done by filtering out unwanted websites that are obviously fraudulent. These type of comparison sites claim to provide affordable car insurance policies yet if you try to read the small prints on the agreements, you may be surprised that some of the deals they offer may even lead you into a more costly deal. You should always be aware that there are some websites that do not provide enough information for you to determine which car insurance deals you should choose. Still, the best way is to ask other satisfied clients on which car companies provide reputable and excellent services when it comes to car insurance. 

Repair Information

• Ask for recommendations from friends, family, and other people you trust. Look for a repair shop before you need one to avoid being rushed into a last-minute decision.
• Shop around by phone and online for the best deal, and compare warranty policies on repairs.
• Ask to see current licenses if state or local law requires repair shops to be licensed or registered. Also, your state Attorney General's office or local consumer protection agency may know whether there's a record of complaints about a particular repair shop.
• Make sure the shop will honor your vehicle's warranty.

How to Choose a Technician

• Look for shops that display various certifications — like an Automotive Service Excellence seal. Certification indicates that some or all of the technicians meet basic standards of knowledge and competence in specific technical areas. Make sure the certifications are current, but remember that certification alone is no guarantee of good or honest work.
• Ask if the technician or shop has experience working on the same make or model vehicle as yours.

Repair Charges: Unlocking the Mystery

• It should identify the condition to be repaired, the parts needed, and the anticipated labor charge. Make sure you get a signed copy.
• It should state that the shop will contact you for approval before they do any work exceeding a specified amount of time or money. State law may require this.

• New — These parts generally are made to original manufacturer's specifications, either by the vehicle manufacturer or an independent company. Your state may require repair shops to tell you if non-original equipment will be used in the repair. Prices and quality of these parts vary.
• Remanufactured, rebuilt and reconditioned — These terms generally mean the same thing: parts have been restored to a sound working condition. Many manufacturers offer a warranty covering replacement parts, but not the labor to install them.
• Salvage — These are used parts taken from another vehicle without alteration. Salvage parts may be the only source for certain items, though their reliability is seldom guaranteed.

How Much Auto Insurance Do You Need?

Cutting insurance coverage is becoming a popular way to save. In this tight economy, people are looking everywhere to save money. This begs the question, “How much insurance do I really need?” This question does not have a simple answer. While there are mandated minimums in many states, scraping coverage down to the bone could leave you exposed to losing a lot of money from an accident. In the end, you may save more money by paying for full coverage.


New Hampshire and Wisconsin are the only states that do not require liability insurance. How much liability coverage you need varies by state. Some states also require you buy coverage for the potential medical expenses of passengers in the form of Personal Injury Protection (PIP) coverage.
Now just because these states do not mandate higher limits, it does not mean you shouldn’t carry them. If you have assets that could be attached in a settlement, you do really need Bodily Injury coverage. Most companies recommend limits of $100,000 per person and $300,000 per accident.
Even if you have no assets, what about your own financial well being? If you were badly injured in an accident with an uninsured or underinsured motorist, can you afford to miss months of work without compensation for your injuries or lost wages? A combination of PIP, Medical Payments and Uninsured/Underinsured motorist coverage will ensure you are not left holding the bag should you be seriously injured.
If you need to cut car insurance expenses, collision and comprehensive are the best targets. Understand that if your car is leased or if you have a loan on the vehicle, you cannot cut either coverage. But if the car is all yours, you can tuck away enough money to cover the total loss value of your car in the bank. You’ll earn interest on the money and have what you need if there is an accident. Whether it will cost more for insurance or a total loss claim will depend on your car.
Look at it this way. A car worth $10,000 that costs $500 to insure for collision and comprehensive is probably worth insuring. This is because it’s hard to set aside $10,000. In addition, you can expect at least one accident in five years. If that accident is a total loss, you would have paid in $2,500 and gotten back the full market value of your car. As the value of your car drops, you should re-evaluate whether you still need collision and comprehensive. If after five years, your car is worth only $5,000, you may then be better off eliminating collision and comprehensive coverage. You can also consider eliminating towing coverage and other extras that may be covered by other types of insurance.
You can enter your zip code in the box at the top of this page to get quotes on dropping collision and comprehensive on your older car. If your car has a high value, it’s worth your time to get a few quotes and see if another insurance company can save you money on your insurance. 

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Insurance Companies that Cover Specific Groups 

When you compare different car insurance companies, make sure you pay attention to companies that cover specific demographics. Companies like the AARP offer insurance to people who are age 65 or older. AARP can offer discounts to because is zeroes in on this specific demographic. Young inexperienced drivers are not part of the customer base, so their high accident rates do not affect the cost of insurance for everyone else. AARP and other similar special interest insurance companies can focus their coverage on certain drivers who fall into special categories. This reduction in driving variables usually benefits the insurance customer because it helps keep the car insurance rates lower. 

How to Compare Car Insurance

Finding the right car insurance company for your needs and budget can require some time and research. Fortunately, there are many ways to compare car insurance companies from the comfort of your own home. Most of the qualities of a good car insurance company can be researched online. The best way to begin comparing insurance companies is to get quotes from several companies, which can easily be done by simply entering your zip code in the box at the top of this screen. Get quotes from several companies. When you have a short list of the companies that offer the best prices, you can begin comparing the details of each company directly. Try to narrow the choices down to five or fewer so that you can really focus on the differences between each policy without becoming overwhelmed by the different options. Each company offers different rating structures, discounts and special offers. 

The insurance you have to buy

Know your options, and your state's requirements