Idea: A company that helps low income people buy auto insurance at a lower cost, because the company donates from profits from products and services it sells..... to a idea is to help low income, cut payments in half......... w/ restrictions on bad drivers or under 21. The people who use the program, would have to promote the "products and services" we sell to the help them afford would take about a 16 months to build up, enough sales to start sending checks to ins companies, and it would work best if we worked with just one ins. that is legal. What do you think?
By that I mean, you shouldn't choose a company that you have difficulty dealing with just because they offer the lowest auto insurance quote. If you are not getting timely service and thorough answers to your questions when you are looking for a low auto insurance rate, don't think you will suddenly get prompt service when you need it after an accident and you're trying to negotiate a claim. Leopards don't change their spots, not even auto insurance leopards. :-) Finally, you want to be sure the company that you are considering is in a good financial position. With the failing companies we've seen in recent years, you want to know that your insurer is stable and not going to fade off into the sunset with your hard earned cash. Once you've narrowed the field down and are coming to a final choice, take the time to do a quick check on the companies you are considering by going to A. M. Best or Stand & Poor's just to be sure your prospective insurer has some financial stability. I suppose there is never any real guarantees in this life, but at least you will know that you have done your best to insure that your low cost auto insurance is going to be around if you need it.
Additionally, damages are covered regardless of who is driving the car. Personal Injury Protection Personal injury protection coverage is also known as PIP or "no fault" insurance and is mandatory coverage in 14 states. PIP pays for medical expenses regardless of who is at fault in an accident. It also pays for rehabilitation services, legal expenses and lost wages. Saving Money on Auto Insurance There are many ways to keep your auto insurance policy rates affordable. Many insurance companies offer discounts if you bundle your auto insurance coverage with other types of insurance, such as homeowners, renters or life insurance. Additionally, you may be eligible for discounts, such as good driver, good student, senior, multiple car and others, which will lower your rates. You can also lower your rate by taking a higher deductible level on your policy. Set that money aside to use if you have an accident and need to pay the initial expenses of a repair. Check out our FREE car insurance comparison tool with your ZIP code to see the money you could be saving now!
Whether I deal with a local insurance agent or not, I still like to get a few online quotes first so I can see what the general "going rate" is going to be and put myself in a stronger negotiating position. Here are some of the free quote services I like to use... USAA Auto Insurance AARP The Hartford Esurance (an Allstate Company) Kanetix - Canada How To Find Low Cost Car Insurance First of all, it is important that you speak their language. In order to reasonably compare the prices you are going to be quoted, you will need to have a general understanding of the terms related to the different types of coverage. Sure, you may be given a low car insurance quote, but what exactly are they offering in return? Be sure you know. You also want to familiarize yourself with the various discounts available so that you can ask for every possible savings. So, brush up a bit on the lingo, and you will have more confidence especially when comparing low cost car insurance online. Next, don't settle for second class service.