Save on Car Insurance - What You Need to Know

In a sagging economic environment we are all looking for innovative ways to save money. In recent months, a large number of not only American households, but households all over the developed world have had to make changes in how they spend and how they live.

A major expense facing most Americans are expenses related to transportation, namely your car. If you do own a car, you will need general auto insurance. Are you paying too much? You probably are. Take the following checklist to your insurance provider to see what kind of savings could be coming your way before your next payment.

Take an online drivers education course

In most states, if you enroll in an online defensive driving course you may be eligible for a discount of 10% or more. Some states do not recognize these courses so before taking one, it is best to check with your insurance provider to see what kind of discounts they offer with a defensive driving course. For a list of driving schools in your city or state, visit Wannadrive.

Get a low risk job

Insurance companies keep more statistics than can be imagined. One of them is accidents by occupation. If your chosen profession has more accidents than the average, than your premiums will reflect this. Engineers tend to pay lower premiums because engineers get in fewer accidents than other professionals. Simply by doing some research and adjusting your job title might be enough to reduce your monthly premium.

Tell them you are Retired

If you are retired, you may be eligible for an additional discount. We have all seen the commercials. This savings applies especially to you if you have a clean driving record. If you are retired and your insurance provider does not know this than you could be missing out on substantial savings.

Join a Professional Organization or Auto Club

Select organizations and auto clubs receive discounts at all sorts of retail outlets that include hotels and restaurants. Membership in some of these organizations may also help you reduce your insurance costs. If you are a member of any organization or club, it never hurts to ask your provider if members of that organization receive a discount.

Combine Your Insurance

Some insurance companies may reduce your premium if you use their company for both home and auto insurance. If you currently have two different providers for home and auto insurance ask both of them what kind of premium reduction you are eligible for if you combine your home and car insurance into one.

Auto Safety Features

If you have any additional safety features on your automobile your insurance rates could also go down. Look for vehicles that have air bags for both the driver and the passenger, traction control, good head restraints, anti-lock braking and all wheel drive are all features that improve the safety performance of your vehicle. Bring a list of the safety features that your vehicle has to your insurance provider and ask specifically how additional safety features lower your premiums.

Assume more Risk

By raising your deductible from say $400 to $800, you will likely have to pay more out of pocket in the case of an accident but you do save significantly on your monthly premium. If you are a prudent driver, the savings that you incur by paying a lower premium will pay for itself over the course of the year. The amount of coverage that you have will not change by increasing your deductible.

Be a good citizen

Simply by having a good credit score, or by performing well in school can reduce your premiums. Insurance companies have found a correlation between credit score, academic performance and your likelihood of getting into an accident. If you do have a good credit score and you perform well academically, you could be eligible for a discount.

Pay in fewer installments

Insurance companies will charge you a fee to make a payment in installments. The more installments, the more fees you will pay. If you are fiscally responsible enough, ask your insurance provider about different payment options, such as paying once a year, every six months, or a quarterly payment. Be careful using this strategy because it is possible to lose your insurance by missing just one payment.

Demand better service

Believe it or not, there is still some moral fabric in the business world. If you have been with the same insurance company for years, ask them for a discount as a loyal customer. If they refuse, shop around. Another provider may offer better rates, or provide you with better information regarding your insurance needs.

An Introduction to Auto Insurance Policies For One Who May Buy Auto Insurance

You require auto insurance just when you purchase a new car. Prior to processing application for registration of the car you are legally bound to buy some policy. It is also important for the rise in traffic and mishaps on the roads. A few suggestions submitted in the following lines may help you purchasing wisely enough.


Before purchasing a policy of general auto insurance you must learn about the extent of coverage you may get. Coverage may be provided simply for you and also for the passengers of your car. You should confirm if payment will be made for you alone or for the passengers plus members of your family if there is an accident. It is possible that your daughter or son may be on the driver's seat during the accident. You should know how to act on this situation. You should learn answers to such questions before buying a policy.


Auto insurance companies provide several options of which you should select the best suitable one. You can select the right one if you have overall knowledge regarding policies. A few things are important. Among policies for liability insurance or third party insurance belongs to the lowest category. This policy involves lowest premium and damage is paid to the third party who has incurred losses by the accident of the insured car. The payable amount is fixed when you will purchase policy.

Coverage for policies in comprehensive or full comprehensive insurance is greater than what it is in the third party insurance. Companies of auto insurance provide total coverage for you and also for the car. You will get repairing charges of the insured car if there is an accident. You may even get market price of the car if there is much greater repairing expense. An extra premium will be charged if you buy a policy of full comprehensive auto insurance.

In the same way there are auto insurance policies like no fault coverage, medical pay and personal injury protection which have different conditions for coverage and premium. Personal injury protection policies are bound by the law of your state and you should verify this before a buy. Medical pay policies have coverage of entire medical spending necessitated by an accident or by collision of the insured car.

No-fault coverage insurance policies provide coverage for all members of your family and your friends. Money for the damage is paid without considering whose fault it is. This insurance policy is enough to satisfy you.

If you purchase policy of an uninsured/under-insured motorists' coverage auto insurance it is possible for you to get coverage even if the man who is at his fault is insured/under-insured. Probably any additional alount will not be asked from you.

Some companies have policies which provide additional coverage like reimbursement rental, expenses on towing and charges towards labors. You should verify this. This article is expected to help you selecting a good policy of auto insurance as per your requirement.

What You Should Know Before Buying General Car Insurance

Buying a car is now a necessity and no longer a luxury. As the world gets busier, so do you, and it is only better when you are able to access all the places that you wish to without so much of a hustle. Having saved up and bought your dream car, the next thing you will need to think about is insurance. Luckily, general car insurance companies are so many and the only challenge you might face is deciding which one to settle for. There are many factors one should consider when buying insurance.

First of all, you need to know about the laws in your state. Every state has their own set of rules that motorists should abide by. Find out the insurance requirements for your state before you get general auto insurance, as this will help you get a good package. A good insurance company should be able to advise you accordingly. Also, make sure you find out if there are any additional or optional coverage that may come in handy when you get an accident. Their purchase could save you a lot of money in the long run.

Apart from having a car, you need to understand the basics of car insurance so that you can make a better and informed choice. Read as much as you can from magazines or the Internet to know the difference in policies. Make as many inquiries as possible from different insurance companies until you are satisfied that you understand all you need to know about insurance. You will be in a better position to choose a general car insurance package that is ideal for you.

The next thing you need to consider is of course, how much money you are willing to spend. A good deal for anyone means getting a valuable asset for a lower price. If you shop fervently before buying, you will find your good deal. The many general auto insurance companies are in competition so there is always competition in prices too. Window shopping is good because it helps you see what is in the market before settling for the best. Choose a policy that has all the necessary coverage and comes at a good price. You do not want your insurance stifling you of all your hard earned money especially now that the fuel prices are on the rise. Use a car insurance calculator found in many websites to calculate how much coverage your policy should have or how much you will spend for the cover.

You also need to consider the type of car you drive. Different cars operate in different ways and therefore need different coverage. Know your car, and then choose the best cover for it. Men and women also seem to have different needs when it comes to insurance coverage. Luckily, some companies have recognized this and introduced car insurance for women. Though it is just like the men's, it is tailor made to suit a woman's needs.

These are just a few of the things you should find out before buying your insurance. With all this information at your fingertips, you can proceed to purchase your general auto insurance.

Know Auto Insurance Policies Before Buying Auto Insurance

Auto insurance is necessary immediately after you buy a new vehicle. State laws have made it mandatory to get a policy before you apply for the vehicle's registration. Auto coverage is also vital due to increased traffic and accidents on the roads. Here are some tips to help you buy automobile insurance so you can make a wise decision.

Policy Coverage

Before buying any general auto coverage policy, you should understand the coverage offered by it. Will the auto policy cover only you or will it also cover your passengers? Will the company pay for all the passengers or only for you and your family members in case of an accident? What will be the response if your son or daughter is driving your car? These are some of the questions you might ask before making any decision about purchasing a protection policy.

Auto Insurance Policies

When you approach companies, they will offer you many options. You will have to choose the one that suits you best. You will choose a policy that is better for you if you have proper knowledge about protection policies. Some important things to know include the following. Third party insurance or liability insurance is the lowest form of insurance from all the general policies. You have to pay a minimal premium for this type of protection policy. The company pays for damage to a third party affected by accident of the vehicle insured. The amount to be paid is decided beforehand when you buy this type of auto insurance policy.

Comprehensive insurance and full comprehensive insurance are the auto insurance policies that provide more coverage than third party insurance. In this case, you and your vehicle are fully covered. The auto insurance company pays for the repairs of the vehicle insured in case of an accident. The auto insurance company may also offer you market value of the vehicle if the repair estimates are too high. You will have to pay an extra premium if you opt for a full comprehensive auto insurance policy.

Similarly, personal injury protection, medical pay and no fault coverage vary in terms of coverage and premium. A personal injury protection insurance policy may be mandated by your state laws, so check before purchasing your policy. A medical pay auto insurance policy covers all of the medical expenses in case of an accident or collision of the vehicle insured.

A no-fault coverage insurance policy may be a better option for you, as the insurance company will pay the damage costs regardless of who is at the fault. You may feel satisfied by opting for this type of insurance policy, as all your family members and friends are covered with this policy.

An uninsured or under-insured motorists' coverage automobile insurance policy is another option for you, which will cover you in all cases whether the person at fault is insured or under-insured. Chances are that you still do not have to pay extra for this coverage.

In the end, I suggest you to check on any extra coverage offered by the general auto insurance company, such as rental reimbursement, towing expenses and labor charges etc. I think that, by reading this article, you will be able to choose the better policy for you and your needs.

General Auto Insurance Rates

When looking for car insurance for your automobile, there are a few things that you need to look out for, to ensure that you get the best rate possible.

First, you're going to want to make sure that you know what you want. Since each car is going to change the car insurance rate, you're going to want to make sure that you're getting the best car for you, and your wallet. Just because your car is paid off, doesn't mean that you're going to be set for the next few years. You're always going to have to pay insurance.

Know your terms - Insurance can be confusing for anyone, no matter how many times you've had a rate come to you. Make sure you know how much you want to deduct, as well as how much liability insurance you want, and more. You're going to find that the higher your deductibles, and comprehensives are, the less you're going to pay on your monthly premiums. But, remember that if you get into an accident, you're going to have to pay more.

My word of advice to anyone is that you're going to want to explore at least 5-10 insurance companies. There are a lot of them out there. Your best bet is to find an insurance search engine out there that does the work for you, and go from there. What you're going to find out is that if you get 10 different quotes, you're going to get the best rate possible for your car.

AIG Review - American General Auto Insurance Company

This company is one of the largest and most reliable Insurance providers that you will come across. They deal with many types of cover from healthcare and life insurance, to automobile insurance. They serve customers whether they are corporate giants or individuals. They have nearly 100,000 dedicated and trained staff to help solve problems and deal with claims from their millions of customers.

This company operates on a global scale in over 130 countries spanning every continent. For being one of the largest providers for one of the largest countries in the world, surprisingly the company was formed in China. It is lucky that the founder took a risk and started to do business in the United States. Before this the main source of profit was from Europe, Asia and Middle Eastern countries.

In relation to the car insurance cover that this company provides, there is a certain amount of information about this product that can be gleaned from their website. This could be improved further but in a general sense, the website is full of useful information about the company and what it does.

On the website the automobile insurance section there is a frequently asked questions sections that is very detailed in the specifics of the vehicle insurance that the company provides. It is also possible to obtain a quote based on which state you live in. There is also a glossary and a very informative guide on automobile insurance, which helps a potential customer to feel a bit more at ease with the products on offer.

The policies on offer are very broad and diverse and are tailored to suit almost everyone's car insurance needs. Some of the policies offer discounts and scenarios such as multiple vehicle policies are catered for. It is worth having a look at what the company has to offer the next time your automobile insurance needs renewed.

What Is General Auto Insurance?

The title of this article may seem like an odd question, but it is one with fair basis. First of all, it must be mentioned that many people do not clearly understand auto insurance, and what it really has to offer. Motor insurance is a tricky territory, as you will always get conflicting information about it. Some people believe that it is imperative for financial security, whilst others feel it is a financial investment that might never be needed.

Unfortunately, only the former people are right! Auto insurance is incredibly important for financial security. What many people do not realise is that even if they are the best possible drivers, accidents happen. Sometimes there could be another person on the road who is drunk and causes the collision. Or perhaps you park your vehicle in a less safe area than usual, and then it gets stolen. Cars can get stolen even when they are in upmarket areas. This is not something that can necessarily be controlled. Acts of nature can also damage your vehicle, such as hail or driving on slippery snow.

Irrespective of HOW your vehicle can get damaged, it is important that you have an adequate safety net in place in case something happens. Luckily, there are many different insurance packages available to you, all dependent on your budget and the coverage you need. The cheapest type of insurance is third party insurance; this type of cover will only cover the damages you cause to another vehicle if you are the cause of the collision. This is the recommended type of insurance if your vehicle is very old, and insuring it comprehensively is not viable. The next type of insurance you can get is comprehensive. Comprehensive motor insurance is a full package that will cover your vehicle in the case of a collision; it will insure your vehicle against theft and also fire damage. Comprehensive insurance policies can include many other aspects of coverage, such as acts of Mother Nature, damages caused by attempted theft and many other things that can happen to your motor vehicle. The key thing is to find out what different coverage options your insurance company offers. Once you know this, you can decide how much you can afford based on the quotes you receive.

General auto insurance has evolved from when it was first put onto the market. Nowadays there are so many different specialised insurance packages. There are insurance companies that cater solely for women's insurance needs and there are also pay as you drive insurance companies. Pay as you drive motor insurance is insurance that is calculated purely on how far you travel each month. Some insurance companies will allow you to insure all your needs under them, for a discounted price. This means that you can have your life, home and car insurance needs with one company. Naturally, everything depends on your budget and your own individual needs. Luckily, most insurance companies are very helpful and will be willing to answer any questions you may have. They will also be able to give you a personalised quote based on your motor vehicle and the coverage you need.

AIG American General Auto Insurance Company Review

One company that plays an important role in the automobile insurance business and is now known for holding one of the largest member numbers of policyholders is AIG Auto Insurance, a member of the American International Group. They are one of the world leaders in insurance and financial services operating in 130 countries and in all the continents of the world. They serve commercial, institutional and individual customers through their great customer service skills, their great technology and an enormous number of employees. Perhaps this is one of the only "top dogs" in the American Insurance business that was not started and essentially founded within the borders of the United States.

AIG/American General was started in China (specifically Shanghai) by a man named Edwin Cornelius Vander Starr and it quickly spread out across Latin America, Asia, Europe and a large quantity of Middle Eastern countries. In 1962 the company still hadn't made it big in the United States, so Vander Starr took a risk and allowed a man named Hank Greenberg to be in charge of the United States' holdings that the company had. This came to be a significant risk because the company started spreading out the country in a matter of years because the focus changed from selling insurance from agents to independent workers. It is also of note to mention that the company now is the fourth largest company in the world according to the 2006 ratings of the Global Forbes 2000 List.

AIG has one of the largest networks across the globe with 97,000 employees and 714,000 agents. This is important at the time of settling claims and handling any changes to the policy a customer wants to make. They offer several services to individuals across the United States including accident and health insurance, automobile insurance, life insurance, travel insurance and retirement services. The website is built in a way in which the customer can easily access all its features, a bad thing however is that not enough focus is paid in regards to automobile insurance. Perhaps the reason for this is that they have so many more services to cover since they don't only insure individuals, but also businesses, financial professionals and insurance professionals.

The AIG auto insurance section of their website does however allow you to pick which state you would like a quote in (because prices and insurance minimums vary by state) and gives the customer a chance to review some of the most frequently asked questions about car insurance. It also offers tools such as a glossary and an automobile insurance guide; which basically eases the process and stress of a potential member and makes them understand the industry a little bit more.

With AIG being a huge company with worldwide presence, it is important for a potential member to feel at home. Because of this, the insurance company gives customers a list of reasons in their online page that builds up their credibility and lean customers toward choosing them. One of the main reasons mentioned is that they offer a wide array of coverage and deductible options. This is good because the population of the U.S. is nowadays more diverse than ever, and they can attract people from every race and nationality.

There are a number of different AIG car insurance discounts given to their policyholders. They take pride in this because after all: Who doesn't enjoy the idea of saving money? Some of the discounts given by AIG include but are not limited to multiple-vehicle policies, airbags, anti-lock brakes, defensive driver course, senior accident prevention course, good students and paid in full policies. Other reasons for selecting them over other insurance companies include their security and privacy, fast and accurate claims service at the time of an accident and flexible paying options.

General Auto Insurance Policy Info - How Much Coverage Does a General Auto Insurance Policy Provide?

Q: I am thinking of re-calibrating my general auto insurance coverage. I want to know what is the standard coverage recommended, and if I should lower my policy limit so that my insurance premium will fall and I will be able to meet my savings target this year.

A: Your policy limit is the maximum amount that the insurance company is required to pay by law in usual circumstances. If you lower the policy limit, you're lowering the insurance company's liability and increasing your own. In most general auto insurance policies, the policy limit is set to the estimated value of the car, plus any additional coverage for the driver.

Generally, you should have insurance cover that protects you against third-party claims, theft, and collision damage. You can take out a Personal Injury Protection (PIP) cover too if you want to protect the driver, but it's really not vital if it's not mandatory in your state.

Ask your agent to chalk out a general auto insurance policy for your car, and then negotiate the price with him. These days, all insurance companies are under pressure to get more buyers, so negotiating is going to be easier than it used to be.

Lastly, we strongly recommend that you shop around for some more car insurance quotes from different providers. Comparing quotes online is one of the easiest ways to drop the cost of your insurance premiums and you may be shocked at just how much money you could be saving on your coverage.

General Auto Insurance - Will General Auto Insurance Coverage Be Sufficient?

Q: I am trying to purchase the lowest cost auto insurance I can find. Is general auto insurance enough coverage?

A: If by general auto insurance you mean the minimum required by law then in most cases it will be enough coverage for a minor accident. A total loss may be a different story however. Purchasing additional coverage is especially important if you have significant assets like owning a home, stocks, or a savings account because all of these can be lost due to not having enough insurance coverage.

If your state requires you to carry $10,000 dollars in property damage and you cause $15,000 dollars worth of damage you may be held liable for the other $5,000 dollars. In this case we would recommend increasing your coverage amount to at least $25,000 dollars if possible.

Being in a car accident is traumatic enough without finding out later that it may cost you several thousand dollars. Increasing the coverage amount will cost slightly more per month, but it will bring more peace of mind to you as well. Unless your financial situation is such that it will not be possible to meet higher monthly premiums we always advise to increase the amount of coverage you purchase.

In general auto insurance is one of those things people only think about after the accident has occurred. By planning ahead you may save several thousand dollars for a few more dollars per month in the event you are involved in a total loss accident. Good luck with your auto insurance search!

Access General Auto Insurance

If you are an owner of any automotive vehicle, then you must be very much aware of the safety measure of these vehicles. As a matter of fact, the rush of the vehicles in increasing continuously on the roads and that rising rush makes the situation very dangerous for the common users. You always run into the risk of meeting with an accident. Therefore like every owner of any auto, you also need the protection cover of insurance.

As far as available information is concerned, Access America is the most known company that provides very efficient insurance plans for all types of vehicles. Known as Access general auto insurance, these insurance plans are very much capable of providing complete cover to your vehicles. These insurance plans cover maximum risk and make you feel absolutely relaxed as far as your automotive vehicle is concerned. As a matter of fact, these insurance plans are very much required for very vehicle these days.

These highly protective insurance plans are provided by a renowned insurance company in America. The company, called Access America, was founded in January 1997 and since then it has come up with very useful plans for your vehicles. Today, the company operates its offices from all the major states in America. Today, the company manages a huge number of clients from all over the country. Due to its very fast and efficient services with Access general auto insurance, Access has been named twice as one of the fastest growing private companies in entire country.

Access manages the entire insurance procedure through highly efficient methods and leaves no chances of any mishaps as far as meeting insurance policies are concerned. Therefore, most of the Access general auto insurance plans are highly successful in their purpose. These policies are available in a large number and all of them have many differences in them. Therefore, it is very necessary for the owners of the auto vehicles to go through be provisions of these policies and then choose the right one for you.

Access is now available on the Internet now. You can get all the information about the Access general auto insurance plans online and know about them sitting at your own place. You do not need to stand in queues and wait for your turn.

General Auto Insurance Saving Tips

One of the many responsibilities associated with driving is the ability to pay for damages in the unfortunate event of an accident. Many drivers are not aware that they can reduce the amount they pay for general auto insurance significantly without sacrificing the amount of coverage they receive.

The following guidelines are guidelines only. There is no guarantee that your car insurance provider will apply in every scenario mentioned below. The best idea would be to take notes on areas where you believe you would be able to generate some savings and shop around. Force the insurance companies to compete with each other.

Type of Car That You Drive

This should be common sense, but the type of car that you purchase will directly have an effect on how much you pay general auto insurance. In some US States, your insurance company will reduce your premiums if your car boasts certain safety features such as anti-lock brakes, anti-theft devices, and so on. If you are purchasing an automobile in the near future, make a list of five or six vehicles that you are thinking of purchasing. Call your insurance company and ask them what rate you would for every vehicle.

According to the National Insurance Crime Bureau, the ten most stolen cars in 2008 were;

• Honda Civic (1995)

• Honda Accord (1991)

• Toyota Camry (1989)

• Ford F-150 (1997)

• Chevrolet C/K 1500 (1994)

• Acura Integra (1994)

• Dodge Ram Pickup (2004)

• Nissan Sentra (1994)

• Toyota Pickup (1988)

• Toyota Corolla (2007)

Avoid add-ons such as spoilers, new rims, etc. If they do happen to get damaged, your insurance company will never valuate them for as much as you paid for them. Additional custom add-ons also make your car have a higher profile, which in turn makes it more likely to be stolen.

Insuring Older Cars

If you are driving an older vehicle that is worth less than a few thousand dollars, in may not be necessary to fully insure this vehicle. Of course, make sure that you have the minimum coverage required by law, but the cost of insuring a vehicle should not be more than it is actually worth.

If you do get into a small fender bender with a new, or an old vehicle, try to avoid filing a claim. If at all possible, pay the damages out of your pocket because the more claims that you file, the more your premium will increase.

What to Tell Your Insurance Provider

The insurance company that insures your home may also offer general auto insurance. Depending on the insurance company, you may be eligible for a discount for buying two forms of insurance from the same company.

Ask your insurance company if they offer any discounts through your employer. It is possible that if you work for a big company, you may be eligible for an insurance discount. Finally, ask if you qualify for a low-mileage discount. If you are not a driver that drives often, the insurance companies will understand that there is less of a risk that you will be in an accident, therefore lowering your premiums.

What Your Insurance Provider Will Not Tell You

1. Your chosen profession may be affecting your rates. Believe it or not, but your job may be affecting your rates. If you are earning a large salary, your premium may be lower because the insurance company knows that those who make more money file fewer claims than those who make less money.

2. Pay your insurance in semi-annual or annual installments vs monthly installments. Every time that you submit a payment to your insurance company, there is an administrative fee to process your payment. By paying in semi-annual or annual installments, you negate many of these monthly administrative expenses. This strategy requires financial discipline.

3. Increase your deductible. By increasing the amount that you pay before your insurance company chips in to lend you a hand will significantly reduce your premium and will not affect your coverage in case of a serious accident.

4. Defensive Driving School. In some States, you may be eligible for a general auto insurance discount if you complete a defensive driving school course. These courses can be taken in the comfort of your home over the internet. Before enrolling, make sure that your insurer provides discounts for such courses. In some States, the discount can be as much as 10%.

Hopefully, there was information in this article that will allow you to stay on the road and keep some money in your pocket. Remember, driving is a privilege and not a right.