Find Free Car Insurance Quotes Online Or Go Dealer Hopping – How Will You Spend Your Weekend?

We as a culture are predisposed to deliberately planning our day down to the very last second. By the time it’s all said and done you don’t have three hours to spend at the playground with your kids, much less an entire day to go car shopping! That’s exactly why car owners would rather shop for free car insurance quotes online than go hopping from dealer to dealer any day.

Shopping for a new car can be fun, but there’s so much you have to consider and nobody’s giving you an EZ Pass for any of it. You need to know how much horsepower you need. Whether you need front wheel or four wheel drive. What kind of transmission you want. What safety features you’re going to need. All that before you even open the door!

The nice thing about shopping for free car insurance quotes online is that insurers take off all of the pressure. They give you a handy dandy form asking you exactly what you want and listing out your options for you. You don’t have to spend hours combing the Internet looking for ways to save on your insurance (although it’s not a bad idea). All you have to do is take a second for My Car 101. Once you know your car’s features you’ve got what you need to get a great deal on your insurance.

The other nice thing about free car insurance quotes online is that while you have different types and levels of coverage to choose from, there aren’t nearly as many as there are cars sitting in dealer lots across the US! There’s something to be said for not being beset by a barrage of choices. You can focus on the matter at hand and put your attention where it’s going to do the most good.

The alternative? Watching your brain scramble like the exploding bomb on the Looney Tunes cartoons. All that light, color and sound leaving mass destruction in its wake. Your brain might not literally explode, but spend enough time tromping through dealerships and mass destruction starts sounding better and better!

Step away from the sledgehammer. Your car payment’s going to be high enough.

Imagine having your to-do list checked off and still having time to take your kids to Chuck E. Cheese or sit down and catch the Braves. Shopping for free car insurance quotes online blows going from dealer to dealer out of the water when you’re looking for a way to spend your weekend.

Six Types of Auto Insurance Coverage – Car Insurance Quotes Online

So you just got your first car. And whether it’s a brand new sports car or a gently used mini-van, you’re probably pretty proud of yourself. Auto insurance is a crucial part of owning a car. It may seem a bit confusing but really – it is not complicated at all

Law

If you own and drive a car, the law says you have to have some form of auto insurance. How much and what type varies from state to state. But regardless of what the law says, you need to be insured because if you get to an accident, it can be very costly business.

Coverage

What exactly does auto insurance cover? Well, lots of things from vehicles to property to physical bodies. There are six types of coverage – some that are required and some that are optional. Let me break it down for you.

1. Bodily Injury Liability

If you injure someone in an auto accident, not only will you feel really bad about it but you’ll also be responsible for paying their medical bills. That’s where Bodily Injury Liability comes into play. Now you will probably want to get more than the minimum required by state law because if you get sued you are going to need to be protected.

2. Personal Injury Coverage

Of course, if you get into an accident, you might be the one who gets injured. So that’s where you will need Personal Injury Coverage. This will cover your medical bills, lost wages and sometimes even, heaven forbid – funeral costs.

3. Property Damage Liability

Chances are, even if you avoid hurting yourself or someone else in the accident, the car you hit is probably a bit worse for wear. Property Damage Liability covers you for damage to another person’s car or any other property you might have hit during your accident. This covers you for lamp posts, fences, stop signs, or the broad side of a barn.

4. Collision Coverage

Of course, if you crashed into something or flipped your car over, your vehicle is the one that needs to be repaired – that’s where Collision Coverage comes in handy.

5. Comprehensive Coverage

But then again, damage to your car may be caused by something other than crashing into another vehicle or an object. You’ve got to contend with fires, falling objects, missiles, explosions, earthquakes, hale, floods, vandalism, riots and run-ins with wild animals. So basically, Comprehensive pretty much covers you in case you decide to drive to the set of an action-adventure movie.

6. Uninsured or Under-Insured Motorist Coverage

The final type of coverage is for people who won’t see this video and are foolish enough to drive either with not enough insurance or with no insurance at all. With Uninsured and Under-Insured Motorist Coverage, you’re protected against a person who hits your car, can’t pay for damages, or it’s a hit and run accident.

Alright, that’s all of them. I bet some of you had no idea there are so many types of coverage just for your car. It’s important to understand each of these so you could decide what coverage you need to best protect yourself.

Minimum Requirements

But don’t try to sneak by with as little insurance as possible. At the very least, you should have a minimum of $100,000 of bodily injury protection per person and $300,000 protection per accident. Oftentimes, accidents cost far more than the minimum required by most states.

Research and Selection Tips

And remember, there are a lot of auto insurance companies out there so do your research and find out who can give you the best deal and who has a good record of dealing with customers. Never choose on price alone. You do make sure that the company is financially stable and deals well with their customers.

Avoiding Accidents

One of the best ways to protect yourself from getting involved in an accident is make sure you’re not distracted while driving. Recently, cellphone use and especially – texting – has become one of the greatest causes of accidents. Use your common sense, put the phone down and drive.

Alright, I think you are ready to hit the road.

Get your car insurance quotes online now.

Car Insurance Quotes Online – A Few Tips

Being able to find car insurance quotes online has made it much easier and more convenient to shop for car insurance. The Internet has been a blessing to both the Insurance companies and the consumers who want quick access to a wide range of car insurance providers. By shopping for car insurance quotes online, within just a few minutes, anyone you can discover reasonable auto insurance rates from their own home or officer computer.

The benefits of obtaining online car insurance quotes online are numerous. First of all, you have the extraordinary ability to compare and contrast between insurance policies online, by simply flipping between windows, or, in some cases, taking advantage of specialty insurance brokers who will send you accurate cost quotes quite rapidly.

If the marvelous convenience of getting car insurance quotes online was not enough, some insurance companies actual offer discounts if you buy your car insurance online, because it saves them the problems of having to deal with you directly. By selling car insurance policies online, these companies save on their expense for labor, time, postage, paperwork and much more. Most car insurance companies will pass some of these saving onto you, the customer.

A warning about getting car insurance quotes online. When you are searching for possible insurance providers online (or any other personal monetary investment for that matter), it is extremely important to be bit skeptical of what you find. While the Internet has enhanced our daily lives and simplified such purchases as car insurance, there are “con” artists out there waiting to take advantage of you. For every legitimate car insurance company online, there a probably two or three “boiler room” operations that will make false promises to get your business.

For this reason, you should be prepared to do a bit of extra online research into the companies or agents of interest. The Internet is good place to research the reputation of your intended company. See if others may have had problems, or whether current customers are pleased with the service provided. Consumer websites can also offer helpful advice and recommendations to assist you determine which car insurance quote is right for you.

Once you have determined which company seems right for you and your vehicle, make sure your insurance details are processed over a secure server, and that full customer service is available once you have made your purchase. Ask plenty of questions, and do not be afraid to search for a provider that offers you a good deal as well as making you feel comfortable and satisfied about the customer service you receive.

Buying car insurance online is a terrific way to save both time and money. As always, though, take some time to read those terms and conditions (the small print) very carefully. Remember, this is all about insurance, and you not only want to save money, you want quality coverage as well.

The Insider’s Secret to Finding Cheap Car Insurance Quotes Online

Has anyone else noticed that the words “expert”, “insider” and “top secret” seem to be popping up a lot these days? Not only in terms of books but also in articles, self-help guides, trade secrets, industry information…you name it, it’s there. So titling this the “insider’s secret” actually feels excessively redundant-but that’s exactly what it is. A bird’s eye view from the insurance industry box seats, if you will, designed to open the door and show you what it takes to find cheap car insurance quotes online.

Those pesky little speed limits…are actually there for a reason. Strict observance of posted speed regulations does more than keep local law enforcement off your bumper, although that’s a noble cause in and of itself. It also sets the stage for safe driving practices. When you, and everyone on the road with you, is doing the speed limit, keeping a steady following distance isn’t a problem. You’re not traveling too fast to react. So not only are you getting fewer speeding tickets (which will KO your chances of finding cheap car insurance quotes), you’re also in fewer accidents.

It’s a nice little two-fer.

Go back to Driver’s Ed…and brush up on your driving skills. Driving school is all the rage in courtrooms these days, because judges believe that anyone’s driving habits can be rehabilitated with the proper time and effort. You don’t have to have a court order to sign up for a driver improvement course though. You can put yourself on the fast track to safe driving practices and shave big bucks off your car insurance quotes just by picking up the phones.

Insurance companies love safe drivers. Trust us on this one, a couple of days of driving school are more than justified by the money you’ll save in the long run on your car insurance quotes.

Just say no…to that $60,000 sports car you’ve been dreaming of if you’re having trouble finding car insurance quotes you can afford. Remember, the more accidents your car’s make and model are involved in each year (from a statistical point of view) and the more it costs to replace your car if you do total it, the more you’re going to have to pay to insure it. Period.

Cut up the credit cards…and do what you need to do to get your credit back on track. Yes, car insurance companies do look at your credit score when they’re calculating your insurance premiums. It’s not right, it’s not fair, it just is. Period. Figure out how to make your credit score work for you, and you’ll be walking in roses the next time you go shopping for cheap car insurance quotes online.