Comparing Auto Insurance for Your Second Car

Compare Quotes for Second CarWhen it comes to insuring your second car, comparing auto insurance can save you cash while getting you the best possible coverage. Whether you need a second car so your wife can take the kids to school every morning, or you’ve bought that Jeep Wrangler to go to the beach on the weekends, there are a number of things to consider when comparing auto insurance quotes. For example, if the car’s in your spouse’s name, it might seem logical to buy car insurance separately, but in reality, you can probably save a lot of cash if you add it to your own policy. However, this is only the case if you have a good driving record and have filed no or few claims on your policy. Review both of your situations and make an informed decision. If you’re the sole driver of both your vehicles, make sure to define how each is used. If you use your first car to drive to and from work and your second car solely for short trips on the weekends, the lower mileage and less wear and tear should result in lower rates for the second car. In addition, buying your second car is a great time to review your current policy and see if you can beat the rates with another insurance carrier.

Comparing Auto Insurance Online
The most trustworthy way of comparing auto insurance online is with AgentInsure, one of the nation’s premier insurance comparison websites. Simply fill out your information in the online form to receive immediate, free quotes from a number of different insurance carriers. AgentInsure can also give you the name and phone number of a licensed insurance agent in your area who can help you with any questions or concerns. With AgentInsure, comparing auto insurance for your second car is easy, efficient and can save you lots of cash!

Auto Theft Mounting in Ohio

Curb The CrimeA criminal act of stealing a vehicle is occurring on a regular basis and in huge number in U.S. An estimate of 1.2 billion cars were stolen, causing a property loss of  $ 7.6 billions in 2005. As the rate of car theft increases, a red alert has been sent across the country  to all its states and their cities. However, the theft rate is increasing even after the state has taken stringent measures to curb it. As an Ohioan, your efforts is a must in helping the cops and the government to avoid such crime.

Threat to Ohio Cars

There are three cities of Ohio which incurs car theft problems to the worst of situation. National Insurance Crime Bureau’s recent reports shows that Cleveland stands 82nd, with 271 stolen vehicles during 2010 for every 100,000 dwellers. The report also shows that last year Toledo ranked 84th nationwide with highest rate of car thefts, and Columbus was the 99th city. The numbers clearly signify the threat which has high effect on investment made to own a car.

Vehicles Stolen

The bizarre over car theft is that there are certain makes and models of vehicles which are frequently stolen. Factors also include the region and ease of theft. Few sports car, fancy and expensive cars are aimed at a higher rate. Recently, some models such as Acura Integra, Toyota Corolla, Chevrolet Pickup, Toyota Camry, Ford Explorer, Dodge Caravan, Honda Civic etc were stolen repeatedly in United States. Owning such expensive cars is a dream come true for any Ohioan. Let your investment be secured.

Preventive Measures

Protecting your vehicle from theft is as important as buying one. Much before you buy a car, know what preventive measures can be taken in order to avoid being a victim of such incident. Auto insurance comes as a savior when your car is stolen. A rental car insurance coverage backs up until your car is located by the cops. Any damage incurred due to theft, insurance will pay for the repair. Different companies have different coverages and benefits. By installing safety devices such as car alarm systems, VIN etching, Microdot identification tags and etc, you will not only protect your car from theft but also obtain discounts from your insurance companies. Talk to your agent in Ohio to know the benefits provided by the company and then sign a contract.

Overcoming High Prices for High Risk Drivers

Cut Down on Premium Rates

A number of factors determine how Texas car insurance companies decide who deserves high Texas insurance rates. Listed are some things to consider to help overcome the high risk. .

 

  • Young adults who have not reached age 25 will be considered a high risk. This Center for Disease Control and Prevention reports that young adults between 16 to 19 will have more accidents than any other age group, and there are more fatalities among young adults under the age of 25 than any other age group. Insurance companies take these facts into determining high risk drivers. This is why many young adults will list on their parents insurance for a group rate family reduction in the cost of premiums. One of the best things one can do to save money is to complete a Texas insurance comparison to find a rate that will best fit your budget.
  • Build up your credit score to avoid being labeled a high risk. You could be considered high risk if your credit card is not paid, maxed out, closed, delinquent, or other factors. Check your credit report 2-3 times a year. Apply for lower interest rate and clean off any old records. Read your auto insurance information for advise on rate reduction.
  • We all love high performance cars, but insurance companies don’t. Since these are a higher risk to be involved in an accident, premiums will cost more. It is a proven fact, a car owner behind the wheel of a fast car will speed. They get stolen more than other vehicle classes. More young drivers have these vehicles. When you have that combination, insurance companies label that as a high risk. So, do a little research, and find out what reliable cars have the least risk for higher premiums.
  • What about your car accidents, and citations? If they are many, you need to reduce them by observing the traffic laws and being a careful driver. Your record will impact your vehicle insurance for 3 to 5 years.

New Technology Gives Promise to Car Insurance Savings

New Technology Promises Car Insurance Savings

Progressive is the new Big Brother in Auto InsuranceMarch 15, 2011 – Would you allow your auto insurance company to track your driving habits for 30 days if it meant you could save more than 30% on your auto insurance? Progressive Car Insurance is expecting that many people are interested in this option and subsequently have developed their Snapshot Discount PAYD (Pay-As-You-Drive) Program.

The PAYD program works like this; a technological device, called a “Snapshot” is sent to the insured and they connect the device to the onboard diagnostic system of their vehicle. According to Progressive’s website, the Snapshot device monitors “driving patterns based on number of miles you drive, time of day you drive and how often you make sudden stops. People who drive less, in safer ways and during safer times of day could get a discount.” The device also captures vehicle speed, VIN number of the vehicle, and whether or not the device has been disconnected from the vehicle. Reportedly, it does not have a GPS monitoring capability nor does it capture whether or not you are exceeding the posted speed limit.

Progressive began a national advertising campaign for Snapshot Discount program on Monday. The program is currently available in 32 states; Alabama, Arizona, Colorado, Connecticut, Florida, Georgia, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Montana, Minnesota, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Texas, Utah, Vermont, Virginia and Wisconsin. Progressive Insurance indicates that this will be rolled out to additional states throughout 2011.

We want to know what you think; does this technology provide a great way to lower your car insurance rates or does this border on feeling too much like Big Brother? Leave your comments below.

This is a re-post of an article seen on AgentInsure Insurance Tips

Does My Average Mileage Affect My Vehicle Insurance Rates?

Check If it Affects Your Insurance RatesAnybody who’s made a vehicle insurance comparison to shop around for the best vehicle insurance rates knows that there are a number of factors that can influence your premium. Whether you’re the vehicle’s only driver, have any traffic violations on your record, or have ever been in an accident will all affect the quotes for your vehicle insurance comparison. However, not many drivers realize that your average weekly mileage also plays a large role in determining your premium.

Mileage Matters for Your Vehicle Insurance Comparison
When you make a vehicle insurance comparison, you’ll be asked how much you drive per week. It’s logical that the higher your mileage, the more wear and tear your vehicle incurs and the less resistant it is to damages. In addition, how much you drive also influences how often you’re in traffic situations that could lead to potential damages. If you’re making a vehicle insurance comparison to save money on your car insurance, it can be an invitation to examine your weekly mileage and see where you can reduce the amount of time you spend on the road.

How to Reduce Your Mileage for the Best Vehicle Insurance Rates
There are a number of ways to slash your mileage before making a vehicle insurance comparison—if your lifestyle allows, that is. For example, you could see if your area offers commuter transit that will get you to work on time every day instead of getting stuck in traffic. Another way to reduce your mileage is to see if your company will allow you to work at home one or two days a week. Always make sure to stick with your decisions, as your insurance carrier will request your mileage each year and adjust your premiums accordingly.

Does the Car Model I Drive Affect My Insurance Rate?

Car Model Does Affect RatesWhen you buy a new car, the cost of insuring it is probably not the first thing on your mind. However, the car model you drive greatly affects your insurance rates because each car model is assigned a risk number by insurance carriers. This risk number is based on the repair or replacement costs after an accident or theft. If you’re serious about keeping your insurance rates to a minimum while still having maximum coverage, it’s a good idea to compare auto quotes before you actually buy your new car.

Comparing auto insurance quotes is free and costs only a small time investment—and can save you cash. You can compare auto quotes by requesting quotes for a number of models from different insurance agencies. When you compare auto quotes to find the model that will cost the least, make sure to fill out all additional information on the form, or you might wind up misinterpreting the quotes.

You can also compare auto quotes by using an online comparison site. One of the most trustworthy sites to compare auto quotes is AgentInsure, which instantly connects you to its nationwide network of licensed agents. With AgentInsure’s help, you can compare auto quotes for each model you’re interested in and determine which one is most financially feasible for you. After you compare auto quotes and you’ve decided which car model to buy, AgentInsure can help you select the best policy for all your driving needs.

Take the Hassle out of Car Insurance

Car Insurance as SaviorLooking for car insurance quotes is never a fun or easy task. For many, it’s difficult to motivate themselves enough to get off the couch and begin the process of countless hours spent driving from one insurance lender’s office to another filling out miles of paperwork just to get a single quote. Searching for a more convenient way, we might try the telephone. Instead of going from office to office, you’ll call number after number speaking to automated answering systems and waiting on hold for the next available agent. Why go through all the hassle? Surely there is an easier and faster way of getting the car insurance quotes we need.

Indeed there is. The Internet

The Internet has proven time and time again that it can make life so much easier for everyone. Using the Internet, you can shop for a variety of things that you need and want, including car insurance. There are hundreds of websites available online for people to search for car insurance quotes. At your convenience you can shop from home, office or anywhere that you have access to the Internet.

By shopping online for car insurance, you can be sure to get the cheapest car insurance quotes available from multiple lenders instantly. Comparing car insurance quotes helps you to save money every year. The Internet gives you the power to access information from multiple lenders at one time. You can receive quote rates, read about the company and research benefits and discounts that you are eligible to receive. You can even purchase your car insurance through the Internet. If you like the price that you are presented during your online research, just click and buy.

How It’s Done

Shopping for car insurance online is easy. Just a few simple steps can get you the car insurance quotes you need in order to make comparisons and purchase the right car insurance coverage that is right for you. Don’t worry about getting dressed up to meet one insurance agent after another and don’t fuss over being put on hold only to speak to a voice recording. From the comfort and convenience of your own home you can log onto the Internet and begin searching for car insurance quotes. Simply select a website that will give you quotes from the lenders you are most interested in and fill out the online questionnaire. The questionnaire asks for information about your car, your driving record and what type of coverage you are interested in receiving quotes for. Once you have filled out the information and submitted it, the rate quote website will begin searching through insurance companies in order to send you information on multiple car insurance quotes. With this information you can make comparisons and purchase the car insurance coverage that you’d like. Begin your search today at AgentInsure and compare quotes from multiple carriers in one place. This way you don’t have to enter your same information on multiple sites. Not only is that risky, but it can take a long time.

Insurance Discounts

Discounts will be applicable on your home insurance if you have installed protective devices like, fire detectors, smoke detectors, sprinklers, and a burglar alarm.

Save Money with AgentInsureThe number of people residing in your home also matters. You may also be eligible for a discount if you are associated with an insurance company for a longer term.

While taking a quote for any insurance company, be sure to check if the home insurance and auto insurance company provides these discounts. AgentInsure lists quotes from multiple carriers, allowing you to find the best rate for your needs. We also put you in touch with a local agent that can help you find discounts.