Q: What is the best place to buy online auto insurance?

A: Your place to put your bet for the best place to buy online auto insurance is probably going to be in one of the following. Although even small local companies are jumping online these days, the below companies have the best options and features for online policy buyers.

• GEICO

What can’t you do here? At GEICO’s website, you can do anything from get a quote, to buy your policy, to file a car insurance claim. If you buy your insurance through GEICO, you’ll never have to leave your seat. You can also manage your policy and make premium payments online.

• State Farm

You can’t actually buy your insurance online right now, but you can still do a lot more. For one, you can get accurate quotes and, so long as you don’t have any recent traffic violations, instant ones, too. You can make your payments here and even file a car insurance claim.

• Nationwide.

Nationwide doesn’t offer online policy purchasing either, but it does make it easy for you to manage your policy, make your payments, and get car insurance quotes.

Q: Can I get the best car insurance quote online, or is it better to go through it the old school way?

A: Well, I can’t give you a straight answer because I don’t want to mess you up, so let me tell you this: it’s a little bit of both.

The ability to get (almost) the best car insurance quote online has revolutionized the industry, and now that people are able to gather up 15 different quotes in as many minutes, the rate of people comparing companies and choosing the better prices is growing, which will in turn eventually drive down costs. I’d say that anybody who doesn’t start their search for car insurance with gathering online quotes is insane and wasteful. BUT–and there is a but–it shouldn’t end there.

Not all forms for the best car insurance quote online offer every single option, and so the numbers you get won’t always be the most accurate. This is why many companies require you to take a call from a representative once you have filled out a form–it still speeds up he procedure, but it’s not quite an instant quote. Make sure you double check on a quote with a real person before you make your final decision on which company you will buy your policy with.

Q: Can I get auto insurance with bad credit?

A: Sure. But it’ll cost you. Since companies started checking it several years ago, getting auto insurance with bad credit has made the deadly insurance maze even more of a hassle for many people. Companies rate your policy based on many traits, and included in that is your insurance risk score, which is kind of like a credit score but is come upon slightly differently based on your credit report–emphasizing more on whether or not you make regular monthly payments on debts than on the fact that they exist. Some call this discriminatory, as it affects low income and minority drivers more often, but so far it looks like it ain’t going nowhere.

The best thing for you to do is just suck it up if you have to get auto insurance with bad credit, and meanwhile work on improving your credit. Order a copy of your credit report–you can get a free one every year from each of the three credit reporting agencies. Look it over and request that anything innacurate be removed, and as for the rest, hunker down and start paying. Start with the debts which have the highest interest rates first, although it probably won’t hurt you to pay off a couple of tiny debts along the way.

For those of you out there who had a little too much to drink before you hit the road, and who got caught, yu are now faced with the terrifying prospect of finding a reasonable auto insurance quote with DUI. It’s going to be hard enough to find the quote, but even more so to find one you can afford. That’s why these few years you will be needing auto insurance with DUI are times to tighten your belt.

Your first order of business is to review your coverage. Pull out that dusty policy, shake it off, and check out what you have. Then you set that alongside your car and see how they go together with each other.

What kind of coverage do you have? If you have just the minimum amount your state Department of Insurance requires all drivers to have, then you’re done with this first step–you can’t really go much beyond that. If you have additional coverage, you might need to reconsider some things. However, if your car is being financed/leased or is new or expensive, then you’re essentially okay with the extra coverage, and so you can also move onto the next step. If you’re still here, head over to Kelley’s Blue Book and plug in your car to see how much it’s worth. It’s advisable that if your car is worth less than $2000, you need to have only the minimum coverage and lose the collision and comprehensive. This will save you tons of money.

Q: I need to get my 17 year old auto daughter insurance coverage, but I don’t want to spend too much money. Possible?

A: Depends on how you define too much. I’m pretty cheap, so by my standards I would say no. No matter what you do, 17 year old auto insurance will cost ‘too much’. Still, you can get that down to ‘not as much as [blank]’ or ‘cheaper’, and the best way to do this is by taking your teen to the car insurance office and shaking her in front of them while screaming “SHE IS RESPONSIBLE!”

That might not help though. It is what they want to hear, but they want it to be more symbolic. Think of it as an art form. If you want to save some money on your 17 year old auto insurance policy, enroll your daughter in some classes–if she hasn’t already taken a class for just general driver’s education, which is what most but not all kids take before getting a license, then you need to put her in one of those. Even if she’s already taken one, you can still get credit for it. You should also put her in a defensive driving class. By upping her knowledge, she can also up her position in the eyes of the car insurance company–the more responsibility, the less the price!

The cost of DUI insurance in Houston, TX is relatively low compared to the cost of other states. As a whole, Texas comes in around the 25th, right in the middle in terms of pricing among states. While there is no set price that can be applied to any one person in a state, the average cost of car insurance in Houston is $760. Since the cost of DUI insurance in Houston TX tends to be around 50% more than your base price, you can make an educated guess that your cost might be somewhere around $1140.

The options which allow you a way to bypass some or all of the cost of DUI insurance in Houston TX are slim, but it can be done. Many companies offer a discount for carpooling. It’s usually around 5%, although this will of course depend on the company. This can save you time an money on your gas and get you into the HOV lane, on top of having a car insurance discount.

Some other companies also give discounts for those who take the bus–an almost impossible task for many areas if Houston. Still, there’s always the park and ride if you aren’t near any bus stops, and the less you actually drive your car, the more likely you are to be able to qualify for a low mileage discount.

Q: How much does Dallas TX teen auto insurance cost? I know I’m not going to like the answer…what can I do about the high prices?

A: You’re right, you probably won’t like the answer. The Dallas TX teen auto insurance cost ranges from around 50% more to fully twice as much as an adult policy would, all things being equal. It tends to work this way–teenage girls are 50% more, and teenage boys are twice as much, so for a girl you would be facing around $1140 on average, whereas for a boy something more like $1520. Of course, your own factors will affect these rates and they may be higher or lower. Follow a few steps to keep your teen safe and your Dallas TX teen auto insurance cost low.

• Make sure your teen is on your policy. A separate policy is more expensive.
• Get high amounts of liability.
• Add your teen as an occasional driver rather than a principal one.
• Check your car insurance every few months–teen rates tend to drop off months at a time.
• Some companies will give a teenager a discount if they make good grades in school, take a driving scenario test with the company, or pass a defensive driving class

Q: Will my rates raise if I get drunk driver auto insurance?

A: Depends. They usually do, but in some cases they don’t. Sometimes the car insurance companies never even find out, unless you live in a state which requires you to file an SR22 with your drunk driver auto insurance (most people do). In other cases, you may have such wonderful qualities that your drunk driver auto insurance has hardly an effect on your costs.

For one, if you have been with a company for a long time, then they are less likely to charge you more after one offense, even if it’s something like drunk driving. You might have also, after being with your company for all of those years, earned yourself a a forgiveness, which allows them to ignore something on your record–these are typically for at fault accidents, but with some companies they can also be applied to things such as speeding tickets and drunk driving convictions.

Another thing which might do you well in the long run is a position as preferred customer. Preferred policy holders are the ones who have the perfect driving records, and if you manage to make it that high up, then it’s hard to make you fall, even with drunk driver auto insurance.

Q: I’m looking at a female car insurance quote online for a car I’m thinking about buying, and it’s very high. Why is it so high when I’ve checked the safety ratings and everything and it came out clear?

A: There may be many more factors than just the safety rating which affect your online female car insurance quote, and a lot of the time the safety rating doesn’t tell the whole story. I mean, safety rating for whom? Your gigantic Hummer might be very safe for everybody inside its steel cockpit, but anybody outside will crunch into a ball even touching it. Some cars are safe for passengers and not for surrounding cars and pedestrians, while others are the other way around.

You also have to take in the price and newness of the car when you’re getting your female car insurance quote online. If you’re getting an expensive car, then you pay more because it costs more to replace and repair. The same goes for a new car; if you were to get the same model a couple years older, it would probably be much cheaper to insure.

Keep an eye on such things as the size, safety features, and price tag on your car when you go buying. Remember that it might not be best to always get the new car.

Q: How much is SR22 insurance?

A: How much SR22 insurance is will depend on a lot of things which are unique to you, so if I just up and gave you a figure, I’d be lying. What I CAN tell you is that there is a fee for filing an SR22 form, and this ranges from ten to thirty dollars by company.

Now, what about your insurance rates themselves? Well, what kind of offense it was will have an impact, first of all. Your rates won’t rise as much for racking up traffic ticket points as they will for a DUI, but they’ll rise either way. Also, how many times this has happened to you will also play in on your rate determination. If this is your second DUI, forget about it–your rates are going to jolt to the top.

As with any insurance policy, though, no matter how much SR22 insurance is at your current company, you should be able to find a better price by shopping around. Start comparing quotes, adding discounts, slicing, raising, and tightening wherever you can, and you might be able to keep out of control rate increases in check.