Automobile Insurance: Automobile Insurance Quotes & Automobile Insurance Companies

Do people with red cars really get more speeding tickets than those with blue cars?

Do automobile insurance companies use the color of your car to determine your rates? Do certain colors increase your chance of an accident?

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Tags: What Does Car Color Say About Your Personality and Automobile Insurance Premiums.

The color of my car determines my automobile insurance rate. My credit score has no bearing on my insurance premium. I have automobile insurance coverage so my new car is already covered… right?
 

Maybe not! Below is a list of fallacies many car owners believe and drive by each day. The truth just might make you change course.

Myth #10 “No-fault insurance means it’s not my fault!”
False. No-fault insurance means that your insurance company pays for your damages regardless of who’s at fault.

Myth #9 “The color of my car affects my insurance rate.”
False. The color of your car does not impact your automobile insurance rate. What does influence your rate is your vehicle’s year, make, model, body type, and engine size, along with your credit history and driving record. Read the rest of this entry »

Tags: Top 10 Automobile Insurance Myths.

You probably know that lenders use information in your credit report to determine if they’ll give you credit. But did you know that in some states, insurance companies also consider your credit history? Good or bad, your credit history may affect your ability to purchase homeowners or automobile insurance coverage and help determine what premium you’ll pay. Read the rest of this entry »

Tags: My Credit Affects My Automobile Insurance Rate.

When it comes to automobile insurance rates, who you are determines what you pay.Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.

While you can’t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.

Factors you CAN’T change that impact your automobile insurance rates:  Read the rest of this entry »

Tags: Cheap Automobile Insurance: Factors that Affect Your Automobile Insurance Rates.

Most people complain about the cost of their automobile insurance – hardly surprising, given that a typical policy costs at least several hundred dollars a year. Depending on your age, driving record, and other factors, your annual premium can be significantly more than that. So how can you lower your premium and save yourself money?  

If you own a car and drive it, going without insurance is generally not an option. In most states, you are required by law to purchase a minimum amount of liability coverage. And you should probably have more than just the bare minimum if you want to provide yourself with adequate protection. There are steps you can take, however, to reduce your auto insurance costs without having to cancel your policy. Some or all of these steps may be appropriate for you, depending on your circumstances.

Specific ways to save money on automobile insurance: Read the rest of this entry »

Tags: 10+ Tips to Save on Automobile Insurance.

Laptop, book money, bean bag chair, TV with DVD player, iPod, cell phone, shower tote and debit card—sounds like your college-bound teen is all set to start school! But are they ready to handle the responsibilities of driving on campus? Sure your teen driver knows how to navigate around your home town, but going to college means driving in an unfamiliar territory—one with more pedestrians, new distractions and new destinations. Automobile Insurance and Driving Tips for College-Bound Students and young drivers.

To help make the driving adjustment easier for your teen, we’ve listed some helpful tips for you and your child to consider as they go off to school. Read the rest of this entry »

Tags: Automobile Insurance and Driving Tips for College Students.

Between gas prices and the economy, American drivers are having trouble deciding what autos to buy. Many people are exploring alternatives, from bikes, to buses, to biofuels. One auto alternative is hybrid cars. What exactly is a hybrid and how could it lower your automobile insurance quotes?

Gas Mileage and Automobile Insurance. The reason most people want a hybrid is because of the great gas mileage they can get. How is this possible? Technology for hybrid autos varies, but higher fuel efficiency is usually accomplished with an electric motor. Batteries store energy recovered during braking and supply that energy back to the electric motor, cutting down on the amount of gas used. A 2008 Toyota Prius, for example, gets an EPA estimated 46 MPG for combined use, while a 2008 Honda Civic Hybrid gets an EPA combined rating of 42 MPG. Read the rest of this entry »

Tags: Save on Automobile Insurance With a Hybrid.