Which States Have The Cheapest Auto Insurance Rates
Reader’s Question:
I am just curious about car insurance rates. I know that in every state, car insurance premiums differ. And that it also differs from once auto insurance company to another and that there are several factors being considered in setting premiums. Do you know what state or states has/have the cheapest car insurance rate? I am from Boise, Idaho. Am I paying cheap auto insurance premium as compared to other states?
Nicky
Boise, ID
Yes you are paying lower auto insurance rate Nicky. In fact, the National Association of Insurance Commissioners (NAIC) reported in 2007 that Idaho (ID) has the fourth lowest auto insurance rate in the United States with an average premium of $583. Following are the complete list of the least expensive auto insurance rate for private vehicles in the United States in 2007 with its corresponding average car insurance rate.
1. North Dakota $ 554
2. Iowa $ 555
3. South Dakota $ 565
4. Idaho $ 583
5. Kansas $ 590
6. North Carolina $ 602
7. Wisconsin $ 615
8. Nebraska $ 621
9. Wyoming $ 639
10. Maine $ 644
For more information about your car insurance rate, you can ask your auto insurance agent in Boise, Idaho. If you are looking for cheaper auto insurance premiums, use available online tools like websites. You can get a lot of auto insurance quotes in a very reliable and faster way.
Tags: auto insurance, auto insurance quotes, car insurance rate
How To Get Cheap Auto Insurance in Virginia
Reader’s Question:
I’ve used up all my money during the year I spent traveling. Now that I’m planning to settle back here in Chesapeake VA, I’ve decided to buy a new car but I may not have much money left to pay for the insurance until I find a new job. Is there such a thing as cheap auto insurance?
Christopher
Chesapeake Virginia VA
Well, Christopher, finding cheap auto insurance is a challenge, indeed. You’ve got your work cut out for you but don’t worry, asking these questions is the best first step. The next step would be for you to do some research. Just enter your zip code on the appropriate box on this page so that you can find out more about the types of auto insurance available in Chesapeake Virginia VA. The more you read, the more you learn, the sooner you are going to find the right auto insurance for you.
I think the key here is to reduce the risk. If the insurers find you to be a low-risk client then they may offer lower premiums or discounts. You may have to assert yourself, though. Be ready to answer questions about your vehicle’s primary use, how far do you expect to travel on a daily basis, how much coverage you actually need and other relevant stuff such as your driving history. You can also opt to install anti-theft devices in your car, complete a driving course and maintain a good driving record at least in Virginia. Combined insurance is also cheaper than individual insurance so if you have another vehicle or are a member of a group or club, you could probably ask your insurer for discounted offers on multiple or group auto insurance.
Raising your deductible amount can save you a ton of money in the long term if you are a safe driver with no claims in the last few years. You only pay the amount when you have a claim and the claim is paid by your carrier, so something to ask your agent about.
New York Clean Driving Record Reduces Auto Insurance Rates ?
Reader’s Question:
My girlfriend told me that I need to check from time to time my driving record to make sure all information is correct. According to her, it’s very important that I maintain a clean driving record to avoid an increased on my auto insurance rate. How do I request for a copy of my driving record in New York?
Paolo
Niagara Falls, NY
There are several ways to get hold of a copy your Department of Motor Vehicles driving record. Let me just give you the common methods that people used.
First, is through the New York Department of Motor Vehicles (DMV) website. All you need to have is an internet connection and a credit card. However, you can only choose to do this if your address has not been changed. Your record will arrive in two weeks time through mail. Search fee amounts to $10.
Second, you can also order through telephone. If you are from area codes 315, 518, 585, 607, and 716 call 1-800-225-5368. On all other area codes you can call 1-518-473-5595. Total fee to be paid is $15 ($10 for search fee and $5 for processing fee).
Third, is through mail. The form MV-15 can be used to order your DMV record. Fee for this is $10. There is an address listed on the form wherein you can send the needed information like photocopy of your proof of identity and money order or personal check.
For more information you can always check with the New York DMV.
Will Car Insurance Rates Go Down When I Turn 25
Reader’s Question:
I am turning 25 this December. I heard from a co-worker that once I’ve reached that age, I would see a change on my car insurance premium. I was told it would go down. Is this really true?
Ruth
Dubuque, IA
It is a general practice among car insurance companies that once their policy holders reached 25 years of age, their auto insurance premium also decreases. The explanation behind this is because studies revealed that drivers who are 25 years of age and older are less involved in vehicular accidents as compared to drivers who are 25 years old and below. In addition, people belonging to the age range of 25 years old and above are found to be more responsible as compared to younger drivers.
For some cases, once the policy holder reaches the age of 25, his or her auto insurance premium decreases by as much as 20%. However, you must remember that age is not the only factor that affects your car insurance rates. To name a few, gender, marital status, and driving records are also being considered by auto insurance companies in setting their rates.
To find more information about this, I would suggest that you check with your auto insurance agent in Dubuque. It’s also best to inform your insurer once you have reached the age of 25, to see if they will offer you lower car insurance rates.
How To Reduce Your Car Insurance Premiums in Tennessee
Reader’s Question:
I have decided that I am paying my car insurance company too much but I am hesitant to let go them since they have a good reputation here in Knoxville, Tennessee. What can I still do to reduce my car insurance premiums?
Edison
Knoxville, TN
Before you decide on what to do to save you money on your car insurance there in Knoxville, you must understand first what it is your paying for already and what you will really need from your car insurance. Several of the factors you should consider to help you save money on car insurance would be: the minimum car insurance requirement you will need in you state (as set by Tennessee’s financial responsibility law), your coverage limits, the city you live in and how safely you drive.
If your car insurance company has a good track record handling claims then you would want to keep your business with them. Its too risky to go to someone else offering cheaper rates but might try to weasel out of your agreement or make it as hard for you as they can to help you.
You can look into your comprehensive insurance coverage and determine if you will really need protection against flood or earthquakes, especially if your not really driving a brand new, expensive car. You can also agree to increase your deductible, which will actually lead to a lower premium every month. Installing additional safety mechanism in your car can also reduce your car insurance costs. If you have taken defensive driving classes before, make sure your car insurance provider knows this since they more you show yourself a responsible and safe drier the better rates you will get, if you haven’t taken such classes then it is highly recommended to get one not only to lower your insurance rate but for your own personal benefit as well.
The Best Auto Insurance In California For First Time Drivers
Reader’s Question:
I am very happy since I have bought my very first car here in Davis, California, and I would like to know what kind of auto insurance Is best for first time car owners like me?
Terrence
Davis, CA
Determining the best type of insurance for a first time car owner like you will depend on the several factors: the minimum car insurance coverage required in Davis, (as mandated by the Financial Responsibility laws of California), how new your car is, your credit rating, how safely your drive and the number of people who will be using your car, and of course, your budget. Balancing what you will need and what kind of protection you believe is important to you should allow you to narrow down on your list of options and pinpoint the best kind of insurance for you.
Please note that the cheapest or the most elaborate kind of car insurance may not be the best kind of insurance for you. For the basics, the best kind of car insurance should have enough coverage for Bodily Injury Liability (coverage minimum to $100,000 per person and $300,000 per accident), Property Damage Protection ($100,000 minimum) and Personal injury Protection (as high as you can afford here). These will protect you against events that could make you liable to pay hundreds of thousands of dollars for medical and hospitalization expenses, property damages and auto repair. The type of car and how new it is will also affect how much premium you pay every month; a flashy sports car costs more to insure then your grandmother’s wagon, for example. There are a lot of good deals online so try to get about 4 or 5 quotes before deciding on the best insurance for you.
How To Get a Better Rate on Auto Insurance in Michigan
Reader’s Question:
I have a brand new car in Flint, Michigan, and I’d like to get a better Idea of liability coverage before I sign up for car Insurance. Any information is greatly appreciated.
Watson
Flint, MI
Liability coverage is one of the most important things you would look for in auto insurance. If you happen to get involved in a car accident there in Michigan (or anywhere else for that matter) and was determined to be at fault, then you might be looking at thousands of dollars worth of medical, legal, and repair obligations. A good liability insurance policy can protect you from this. There are two types of liability insurance about which you should be aware of. Bodily Injury Liability Insurance and Property Damage Liability Insurance.
Bodily Injury Liability Insurance covers or helps protect you from bills and expenses arising from car accidents which would include Immediate Emergency Aide, bills incurred for medical services or expenses treating bodily injuries, sickness or disease, Lost Income compensation, Legal fees, bail money for those covered under your policy, funeral expenses and any other related expenses not listed here. it is a good idea to get the biggest monetary coverage as you can comfortably maintain or pay for with this type of liability insurance.
Property Damage Liability Insurance on the other hand, focuses on protection from legal obligations in paying for damages caused to structures such as houses, storefront collisions, public damages etc., as well as vehicle damage repairs and any other objects damaged by a car accident you may have caused. Both of these are very important if you want to have a strong and well-balanced car liability insurance.
What is The Insurance Point Reduction Program in New York
Reader’s Question:
What is Point and Insurance Reduction Program? I heard this from a friend. He said that after completing this program, he was able to get a discount on his auto insurance rate in Bronx, New York. I would also like to know what are the advantages of this program?
Billy
Bronx, NY
The Point & Insurance Reduction Program (PIRP) is a program designed to remove demerit points from a driver’s record. It is approved by the New York Department of Motor Vehicles (DMV) and is available in your home-state New York.
Completing PIRP gives you the following advantages:
1. May remove points form your driving record for as much as 4 points. Your eligibility on this is automatically noted by DMV computer;
2. A minimum reduction of 10% from your auto insurance base rate (given that you are the principal operator of a vehicle) This applies on your motorcycle and automobile collision and liability coverage and said discount is good for three years;
3. Will give you a refresher on driving knowledge like traffic laws, driving tips, and general idea on today’s automobile.
If you are interested in knowing more about the New York Point and Insurance Reduction Program, I would suggest contacting the New York DMV.
High Risk Auto Insurance Racine Wisconsin WI
Filed under: Auto Insurance Quotes, Auto Insurance Tips, Insurance Quotes
Reader’s Question:
I live in Racine Wisconsin and haven’t had insurance for about four years now. I’m getting married in six months and my fiancé’s insurance agent said that I should get insurance now, six months before the wedding, so that once we get married and I get added onto his insurance, I won’t be the reason for increasing his insurance. Now, I’m going to get insurance on a car that doesn’t have a loan on it, and I’m wondering how much insurance I need? What is the least amount of insurance I could get on my car, so that in six months I won’t be considered high risk anymore.
Phoebe
Racine, WI
You should qualify for liability insurance instead of full coverage. The actual amount of insurance you need depends on what your car is worth right now, how old it is, your past driving record and your “high-risk” label will also definitely have an effect. You need to get a few different quotes to be sure what company has the lowest rate for you.
The smartest thing for you to do is to have comprehensive/collision insurance since you started a “chain reaction” accident, you rear ended a car and it pushed that car into more cars – your minimum property damage limits will be GONE, even worse if you injure someone. You and your husband will be in big trouble as you will have to pay out of pocket when the other insurance company comes after you for what they paid out.
On the other hand, if you hit another car you’ll likely pay out a lot more money than you would have spent with proper auto coverage. If you’re going to drive the car regularly, I would suggest not taking the chance, in the long run it will save you, believe me. Also, there are many auto insurance companies in Racine Wisconsin offering free auto insurance quotes. So widen your options and look for the cheapest rate.
Tags: collision insurance coverage, comprehensive insurance coverage, high risk insurance
Rental Auto Insurance Worcester, Massachusetts MA
Filed under: Auto Insurance Quotes, Auto Insurance Tips, SR22 Auto Insurance
Reader’s Question:
I’m planning to rent a car for just one month and I found a rental company in the yellow pages but I think their insurance is very expensive (at $25 per day, it adds $900 to my costs). I’ve already spoken with my credit card company if they offer auto insurance in Worcester, Massachusetts for a rental car. Do you have any suggestions on other what options I have for insuring a rental car for one month?
Brooke
Worcester, MA
First talk to your car insurance agent about a driver which would cover any at fault crash you would have with a rental vehicle for a month. If you’re looking for suggestions, they’re the best source.
It seems you will lose big amount of money without a return. Well, I think it’s much better for you to do some research. Look around for other insurance companies in Worcester, Massachusetts that offer cheap rates if they’re catering this kind of services. Collect quotes and select the best car insurance for car rental.
Your personal car insurance may have a minimal rider attached to it. There are some credit card companies that have programs covering insurance for you. If you are travelling domestically, I suggest using your credit card and declining the rental coverage. If travelling internationally get the insurance through the rental company – it can be a nightmare to deal with this sort of claim. Your personal insurance may usually cover rentals depending on the specifics of your car insurance policy. Otherwise, usually they charge you 15 to 20 bucks and you can walk away if you total it.