How to Ensure Max Auto Insurance Savings: Ask!

Ask .. How ?Here’s one important thing to bear in mind when you go to get car insurance quotes that you might not have already thought of—there’s always room to bargain. Sort of, anyway. No, you’ll never be able to talk your way out of high rates if you have a bad driving record or can’t seem to stop hitting other cars to save your life. But there are some discounts you might be able to take advantage of that you won’t know of without asking.

• Multiple driver discounts. You can get a car insurance quote online, but if you’re not aware that having more than one person on a policy can save you money, you’ll be missing out on some potentially big time savings.

• Good driver discounts. Don’t automatically assume that your good driving record has been taken into account when you compare auto insurance quotes online. Always follow up to make sure you’re getting a good driver discount if you’re entitled to one.

• Auto feature discounts. Never neglect to mention if your car has an anti-theft alarm, as this can lower your premium. Likewise, if you’ve already got insurance and have just installed an alarm, let your insurer know immediately so you can start taking advantage of your lower payments.

The most important thing to do when you compare auto insurance quotes is to ask for discounts. Whether you get auto insurance quotes from a live person or through an online comparison engine, moving beyond the face value data and exploring various options can sometimes uncover a tidy sum of savings you may not have known existed.

Buy Home Insurance Online for Maximum Savings and Convenience

Home Insurance OnlineSmart consumers know that when you buy home insurance online, you may qualify for additional discounts and deals that you can’t get anywhere else. And though you can get homeowner insurance quotes through a variety of different sources such as insurance agents, brokers, and the insurance companies themselves, you really can’t beat the advantages that online homeowner insurance quotes offer. Not only can you oftentimes find the best rates on the Internet, you can also do so from the convenience of your own home. You don’t have to deal with fast-talking insurance brokers who use jargon you don’t understand, and you’re not put on hold for hours while you call customer service.

Where to Buy Home Insurance Online

There are two ways to go about getting homeowner insurance quotes before you buy home insurance online. First, you can go to the websites of the individual insurance companies and fill out the information form to request a quote. There are usually a number of good discounts available for online buyers that kick in when you sign up for a specific term; for example, you may get a 30% discount for 12 months if you sign up for 36 months.

Second, you can go to a quality insurance comparison website such as AgentInsure, one of the nation’s most trusted websites when it comes to getting accurate quotes from dependable companies. All you have to do is fill out your information once to get up to five quotes. You’ll also notice that many of the rates are even lower than at each insurance company’s own website! So remember, next time you need to buy home insurance, go to AgentInsure!

Savings – Before You Buy A New Car

Know How to do Savings on itA car is one of your prized possession and enjoyable purchase you would ever make. Before you make a decision over buying any car, visit forums, log into search engines. A bunch of sites evolve where you can find variety of models, colors and a detailed description of the vehicle. Just by a click you can find issues people are having with the car. All these will help you in a better way to judge a car before you walk into the showroom and take a test drive. The more you read and actually understand the options for car, the more you will know whether or not it is the right time to buy the car without any regrets.

Saving on Your Buy

Get hold of salesperson: When you have decided on your car, walk into a dealership and know everything you need, probably even more. Understanding of the base cost, comparing prices with other models of car and sounding like an educated customer, it’s quite likely you will end up with a better price. Let the purpose of a salesperson be served, get enough of information from them.

Decide on features and model: A more fully equipped car will have a higher price tag. Some extra features, such as, leather seats or sunroof, you may be willing to spend extra for it’s a reasonable price. Keep your eye out for the cars that are only a year old. Due to depreciation, the car might save 10 – 15% discount than the actual price and also fetch lower car insurance rates.

When to shop: Shopping for your new car in the fall is an exceptional way to guarantee savings. Autumn is when the car manufacturers ship their new year models to their dealerships. The dealers will move the old cars and are replaced by new models. Waiting until this time will really save up that money on a new car for you. Buying a vehicle in off-season is greatly helpful, think over it.

Comparing auto rates: Now that you have chosen the car of your dreams, think what else can save money on your new car ? Shop around and find the best deal amongst the auto loan company rates. It  may seem challenging, but if you are willing to be patient. Spending time doing the necessary research, will be well worth the extra savings

For Maximum Savings and the Best Coverage, Compare Insurance Rates Annually

Do Maximum SavingsSmart consumers compare insurance rates every year in order to see if they’re still satisfied with their coverage, or if they can get a better deal with another insurance company. It used to be that people would buy car or homeowners insurance with one company and stay with the same company for years and years, but lately, things have been changing. Online insurance comparison websites are making it easier for consumers to get free quotes and compare insurance rates from different insurance companies. And it’s definitely worth it, because not only does this reveal the difference in what insurance carriers charge, it also reveals special online rates that can save consumers a lot of cash.

Getting accurate insurance quotes
Lower prices aren’t the only reason to compare insurance rates. It’s also important to keep your insurance coverage up to date, so it reflects your current circumstances. Getting accurate insurance quotes is the first step in this process. For example, if you have homeowners insurance at one company, but you’re about to get married and want this reflected on your insurance policy, you can request a quote from your current insurer and compare insurance rates from other insurance carriers. Remember, if you do find a better deal than your current policy gives you, always check the cancellation policy in order to avoid penalties or double coverage.

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