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Auto Insurance Essentials

Many of us never take into consideration auto insurance. We’re brainwashed to buy auto insurance since we’re conditioned to pay for our water costs. However, there are some that do not feel that the expense of auto insurance is necessary.

Consider the scenario of a motorist without having auto insurance. She’s to blame for a car accident and it is unable to work. She is liable for her own medical bills, the other party’s bills, and for property damage. Without auto insurance, every one of the money comes out of the woman’s pocket. Unless your own last name is Trump or even Gates, auto insurance is essential.

Auto insurance premiums could be expensive, going into the thousands of dollars per year. One way to make auto insurance inexpensive is to see if the car insurance company can split up your premium into monthly payments. Normally, you’ll fork over a preliminary down payment, and then pay out your auto insurance high quality over several months. Be aware, though, that some auto insurance companies will charge an extra fee for that service. If at all possible, pay your auto insurance premiums at least semi-annually.

One way to reduce your auto insurance premium is to lessen your coverage to the state minimums. The monthly auto insurance repayment can be as low as $20 each month. This is not the best strategy, however. Having the bare minimum auto insurance coverage is nearly like having no insurance coverage at all.

One of the best ways to pay lower rates for auto insurance is always to take advantage of as many discounts for which you qualify. There are discounts for save driving. If you’ve never held it’s place in an auto accident or have not been caught having a moving violation, you should qualify for safe motorist discounts.

Your age can factor in to your automobile insurance premiums as well. If you are between the ages of 16 as well as 25, you will have to spend higher auto insurance premiums anyway. Once you hit the magical ages of 25, or you get wed, your auto insurance rates will go down.
The auto insurance allowable you choose can also affect your auto insurance premiums. The bigger your deductible, the low your auto insurance premium.

Finally, always evaluate auto insurance rates among different auto insurance businesses. Even for identical insurance coverage, auto insurance premiums can vary widely between car insurance companies. There are many internet sites that will compare auto insurance rates for you. Talk with these websites, as well as your nearby auto insurance agents to find the best auto insurance deals.

Comments: 89

  1. Ines March 23, 2013 at 6:28 am Reply

    I currently have two cars, a Toyoya and a Galant. My auto insurance will be renewed starting Feburary 1st which is in in about 2 days. I really think I will sell both cars w/in the next few wks(Toyota has high mileage and the Galant uses alot of gas) for a more fuel efficient car like a Honda. Is it possible to change automobiles in the middle of a coverage period? I’m not sure how it works. This is my 1st time with my own insurance. Thanks for the clarification!

  2. Edison April 7, 2013 at 6:00 pm Reply

    Is auto insurance in Manitoba private or pubic? How is auto insurance in Manitoba different from Ontario? Which is better and why?

  3. Penelope April 17, 2013 at 11:20 am Reply

    What’s the average for starting license auto insurance agents? Do they only make commision or hourly too? Are the leads provided. Is it a hard industry to get into?

  4. Alfred May 2, 2013 at 5:01 am Reply

    I’ve recently started working for an auto insurance agency but I do not have enough knowledge… and I’m really bad at reading books and i can’t take one to work anyway… i have my computer there and i need to know a website that will help me master auto insurance buisness.

  5. Taylor June 11, 2013 at 12:29 pm Reply

    Alot of people are upset because it forces one to have insurance or be fined. The same thing applies to auto insurance. So whats the difference?

  6. Lucius June 25, 2013 at 11:10 pm Reply

    After moving into inner Atlanta because I’ve grown tired of a completely car dependent lifestyle, my auto insurance went from 70 dollars a month to nearly 160 based solely on my location.

    Not only is this unfair and stupid, it seems to me to defy logic. I would think the suburban commuter who is spending lots of time in his car every day is more prone to claims than me, who barely has a reason to use my car anymore.

    Ridiculous.

  7. Stacy July 2, 2013 at 6:21 am Reply

    My wife was hit by a car while riding her bicycle on the sidewalk. She needed surgery and now bills are really adding up. Our health insurance says the auto insurance is responsible and the auto insurance says our health insurance is responsible. We are constantly being handed back and forth should we seek out a lawyer and risk owing more money to more people? What steps should we take? Are we out of luck? We live in the state of Michigan.
    Beery….you are an idiot.

  8. Cheree July 11, 2013 at 7:04 am Reply

    I want to know more about auto insurance discounts. I would like to reduce costs so a discount will be nice.

  9. Terrell July 13, 2013 at 12:44 am Reply

    I can think of ta few ways:

    1. We don’t HAVE to drive

    2. If we do drive, most states require insurance, but also may take a bond or proof that you have money to compensate

    3. Auto insurance is mandated by the state, not the federal government

  10. Chae July 23, 2013 at 8:59 pm Reply

    I’m looking at buying or leasing a new car and am wondering how that’ll affect my auto insurance premium. Also, which features in a new car affect the premium. I’ve heard about red paint and sports cars causing higher premiums, but are there any other factors?

  11. Shaun September 5, 2013 at 5:15 pm Reply

    Hi!

    I am with auto-insurance company X right now and due to few number of insurance claims that I had made, my insurance is going up. I am wondering if I try to switch to some company Y, will X share my claims information with Y?

    Thanks!

  12. Greta October 6, 2013 at 2:31 am Reply

    I moved from NY and need to find an auto insurance company. AllState and State Farm are not doing business here. I don’t want Geico or Mutual Liberty because of bad experience with them. Are the small local businesses reliable? Thank you.
    Common Sense, thank you for the reply. Are the smaller companies reliable in terms of being able to provide good service after an accident? Thanks.

  13. Delisa October 6, 2013 at 10:27 am Reply

    What is a good website to use when researching auto insurance. One where I can get numerous rates from various insurers and compare them with each other?

  14. Patricia October 14, 2013 at 12:10 am Reply

    I got my license in June and i turned 18 last week.
    My dad is trying to find a cheap auto insurance plan but the cheapest one he claimed to find was $6,000/6 months and he’s not willing to pay that.
    I’m thinking of getting a part-time job at my college but idk how the process of getting insurance works out.

  15. Dong October 14, 2013 at 4:51 am Reply

    I’m trying to work out a settlement with the auto-insurance company over an injury that happened last December. They’re offering $3,500, but we want $5,000. I was wondering how much it would cost them in legal fees, and lawyer costs if we were to bring this to court. It could help in our bartering if we know they’ll be saving money just settling. Thanks.

  16. Enoch October 24, 2013 at 10:44 pm Reply

    How can a government, who supposedly stays as far out of a capitalist economy as possible, enforce that you purchase auto insurance? Isnt that a consumers right to buy or not buy?

    One could argue that the privilege to drive at all is granted by the government, and you should abide by their requirements. But by that logic, wouldnt having insurance first be a prerequisite before you could get licensed?

  17. Collette November 5, 2013 at 12:34 am Reply

    In the state of Washington what happens when invalid auto insurance is given at the scene of a minor traffic accident?

  18. Hollis December 21, 2013 at 10:03 pm Reply

    I need to get auto insurance but i need to know what the options for payment are like can i pay monthly, quarterly, 6 month, anually. I want to purchase from erie insurance.

  19. Traci December 23, 2013 at 6:30 am Reply

    Can someone help me in providing necessary information on how I go about doing this? I know I need to get a license, but I can’t find any info regarding auto insurance. Also, do we need a franchise or can I do without one? Please help and with links regarding info about auto insurance in Texas. Thanks!

  20. Lindsay December 27, 2013 at 3:51 am Reply

    I need a new auto insurance company, Allstate just raised my rates through the roof. But I don’t want it to be an unreliable company that will drop me for one little crack in my winshield. State Farm and all those companies are too expensive for me (I am a teenager and work part-time). I live in CA. Any suggestions?

  21. Vince December 29, 2013 at 12:03 pm Reply

    When you live in Mexico, do people use yellow pages, local independent agents, online websites..how do they go by buying auto insurance?
    Also, what is their biggest problem when coming to the usa and looking for auto insurance, aside from the language barrier?Are the coverage similar, do they have a trust problem, etc..what would be the most helpful thing a US insurance company could do for them?
    Thanks for your help.

  22. Jody December 30, 2013 at 9:41 pm Reply

    Hi, I’m going to be a first time driver in about 5 months and I’ve heard auto insurance is quite expensive being around $2000 – $3000 a year for first timers. I’ve only saved up about $800 and work on the weekends because i take honors and AP classes which take up all my time along with track and clubs. I know there are certain discounts like the good student one and the driver’s ed one which I’m taking soon. I make around $150 a month and by that time, I’ll only be like half way there so does anyone have any suggestions? Please don’t be like “obviously, money doesn’t grow on trees and isn’t that easy” I know that and that’s why I’m asking. Is there like any way to make money online or any particular things I could do. I can’t go around selling lemonade or mowing lawns because I wouldn’t nearly have enough business to pull it off. Thanks.

    P.S. If there are ways to make money online, what would you suggest? (bludos, firepa, etc.)

  23. India December 30, 2013 at 10:17 pm Reply

    Can you resume your auto insurance policy one it was canceled? ok it was canceled 5 months ago I wasn’t using the car so I didn’t need insurance at a moment. Now I am planning on using the car again. Can I just call them and ask them to send me a monthly fee and get insurance resumed or do I need to go to insurance place and talk to Insurance sales agent and pay $200 finders fee again? I don’t want to pay those fees again. Is there a way to resume my insurance without those extra fees. I am a California resident.

  24. Lanell December 31, 2013 at 3:14 pm Reply

    I need general information concerning auto insurance complanies that pay claims directly to the driver. They want me to absorb all costs (repairs, rental, etc.) and then they will issue me a “reimbursement” check. I don’t want reimbursed for something that their insured driver did to me! I just want them to cover all costs associated with the claim! What, if any, legal action can I take to have the matter proceed in my favor?

  25. Domitila January 4, 2014 at 4:33 am Reply

    What is a good website to use when researching auto insurance. One where I can get numerous rates from various insurers and compare them with each other?

  26. Margarito January 4, 2014 at 9:31 pm Reply

    I am planning to sell my car and cancel my auto insurance. If I want to rent a car, am I required to buy their rental car insurance, since I wouldn’t have any other auto insurance otherwise?

  27. Wyatt January 9, 2014 at 1:08 pm Reply

    I am planning to sell my car and cancel my auto insurance. If I want to rent a car, am I required to buy their rental car insurance, since I wouldn’t have any other auto insurance otherwise?

  28. Hisako January 12, 2014 at 4:33 am Reply

    At last minute, I had to get auto insurance with Esurance which I hate. But I really had no other choice. Can I cancel with them and go with another company that will give me a better deal?

  29. Rosy January 12, 2014 at 4:54 am Reply

    When renewing auto insurance, can an individual be denied coverage due to a terminal condition and/or income status of spouse/caregiver?

  30. Porter January 12, 2014 at 5:53 pm Reply

    I have the opportunity to take over payments on a car. Since the title is not in my name, how can I get auto insurance for this car until the title is transferred into my name? I’d heard there is a form that the owner can sign that verifies that I will be the only one driving this vehicle. Any suggestions would be helpful.

  31. Traci January 12, 2014 at 10:15 pm Reply

    Recently i have had to change auto insurance providers for multiple reasons. So now i am looking for the best place to get auto insurance quotes from.

  32. Jimmie January 13, 2014 at 12:25 am Reply

    I didnt change my address at the DMV when i moved out because im planning on moving back with them this summer. But i got a new car and the dealership changed my address at the DMV To my boyfriends apartment (i do live there mostly) ­čÖü so i got the sticker for my ID in the mail and im worried now that i cant be covered under my parents auto insurance if my address has changed at the DMV from their household.

  33. Rosenda January 13, 2014 at 7:58 pm Reply

    I haave cnacelled my auto insurance (don’t have a car ight now) after 6 months of not having a vehicle. Will I get a refund for the insurance money I paid for the past 6 months?

  34. Marlyn January 14, 2014 at 1:41 am Reply

    My wife just got a new car and while registering it with our auto insurance company, I found out that we have $500 deductibles on both of our cars. Turns out we can save $86 per 6-month policy if we raise it to a $1000 deductible? Which is smarter to do?

  35. Bradly January 15, 2014 at 2:20 am Reply

    Currently I’m the only listed driver on my auto insurance. I will be away for 4 months and my friend wants to borrow my car during this period of time. How would my auto insurance work in this case? Should I list him as a driver instead of me, even if I still own the car? Or is there something else I should do? I’ll talk to my agent about it too, but I’d just like to know how situations like this are usually handled. Thanks!

  36. Alfred January 18, 2014 at 1:59 am Reply

    I’ve heard that “performance” modifications can void an auto insurance policy. Is this true? If so, what is considered a void worthy mod?
    I know that my coverage will only replace the parts to stock. Also, I’m planning on the following: CAI, headers & exhaust, short shifter, big breaks, ECU programing. When my shocks are due to be replaced i’ll probably take the opportunity to ride lower.

  37. Irving January 18, 2014 at 10:25 am Reply

    I am researching the nonstandard auto insurance sector and would like to understand how many carriers are underwriting policies in the United States.

  38. Horace January 19, 2014 at 10:47 pm Reply

    I just spent a few hours getting an auto insurance quote from a number of companies. I got a real good rate ($573 for a whole year) for our 2004 car and all the extras.

    I think this is a pretty good rate but wonder if others are paying more or less.

    How much are you paying?

  39. Cleopatra January 21, 2014 at 12:23 am Reply

    My wife aparently has auto insurance, you lose your license in the state of Florida without it, however she has no idea who the coverage is through. Any thoughts?

  40. Delma February 1, 2014 at 11:50 pm Reply

    I am french and don’t know anything about auto insurance in the US. I just received my driver license 2 months ago and a very old bettle (1973, value < 1500$) as first car. I never drive before (even in France), I have a clean record.

    How work the liability here? Let's say it's not my fault but I crash in a schoolbus and 3 childrens will need medical treatment for the rest of their life because of me. Who will pay for it?
    And what if it's my fault?

    [ In France, we have something called "civil responsability" that will pay for that. It's automatically included in every car insurance. ]

    I am also browsing the net for cheap but good insurance. I want it cheap because the car is worth nothing. But I want it good because i am a young (no experience) driver. Any tips and links to some websites are welcome.

    Thank you very much.

  41. Rey February 2, 2014 at 6:14 am Reply

    My auto insurance will not be renewed due to a very bad judgment on my part (I own my mistakes) My car was stolen when I loaned it to my ex-boyfriend’ in Mexico…..I freaked out and ‘lied’ about where the car was stolen from. The car was found by my ex-boyfriend a few days later and I notified my insurance; I told them the truth what happened owing to my lie and I dropped the clam. They are not renewing my insurance stating that I am ‘high risk’ My question is this….will I be able to get other insurance? I have NO tickets, accidents, no claims, no bad driver record anything. I am STILL covered now and seeking other insurance, does the new insurance have access to what the old insurance said? Again, I have coverage until the end of Jan. ’09, and nothing else wrong EVER although I know what I did was very wrong…..I just freaked out. Please help….thanks

  42. Bryan February 2, 2014 at 9:55 am Reply

    hi! does anyone know what some of the cheapest auto insurance companies are in ohio?

  43. Lonnie February 5, 2014 at 6:50 pm Reply

    After auto accident, at fault person’s insurance delaying medical payments and wanting me to sign away all rights and a false statement before they will pay the bills…this is so distressing..
    Firstly ‘Thank you ‘ to everyone taking their time to answer.
    One false statement the Ins.Co want signed is ‘Doubtful and Dubious case’ and the other is about any future medical treatment we may require, the right to claim for them if they are proved to be related to the accident.
    The Ins.Co admits their client at fault but will not accept liability for him…I thought that was what insurance premiums were for?
    What concerns me most is the total disregard of compassion in this process .
    Not everyone has health insurance and some health insurers will not pay for RTA’s.
    It seems to be all about the money doesn’t it? And about clogging up the Health system so hospitals have to wait for payment too, one nasty circle.
    We are being bullied and at a time we are most vunerable.
    I have the Complaint form from Insurance Commisioners Office. For us it’s not the money it’s the words on the settlement.
    I have the Right ..not to sign dishonest statements haven’t I?

  44. Rodrick February 11, 2014 at 4:04 am Reply

    We’ve been with Allstate for home and auto insurance for over 30 years, and they have recently starting screwing with us about renewing out Homeowner’s insurance. We’re pretty sure they are nitpicking about things because they are not writing new policies for Californians, but are keeping existing customers for now.

    Anyway, I went to the Auto Club this morning and got quotes from them for Home and Auto Insurance and their prices are much better than Allstate’s.

    What I want to know is anyone’s experience with AAA insurance. Are they a good company to insure with, any problems, etc? Thank you for any information you can provide.

  45. Tory February 21, 2014 at 9:52 am Reply

    If owning a family sedan, What are the typical annual rates in MA for (1) insurance (2) vehicle tax (registration ?)

  46. Traci February 21, 2014 at 1:57 pm Reply

    I just bought a car today Ford Explorer 2001, high mileage.
    I never been insured before, do you know which is a best insurance company with lowest rate for someone doesn’t have good income.
    in live in California Bay Area.
    Thanks

  47. Raelene February 21, 2014 at 3:42 pm Reply

    I know this is long but please bear with me.

    Rather than set up a separate government run medical insurance or expansion of medicare to the general public….One criticism of government care is that it will be in direct competition with existing providers. Ultimately siphoning insurance customers away from traditional plans and onto the rolls of govt care causing these providers to go out of business.

    Here in my state the auto insurance companies MUST offer the same basic minimum coverage in order to do business in the state. Everyone here must have at least the same basic level of insurance (both auto and medical) . You can go to any provider you choose and this basic minimum insurance level costs the same . If you want more insurance you can pay for additional coverage. But that basic plan is available to all.

    So why not have a similar program for medical insurance as part of a nation wide group policy. This group can be subsidized by the government but it would be managed by the existing insurance providers. (In other words if you want to be in the insurance business you must offer and support this minimum plan which would be a foundation for any other plan you offer) The govt pays the insurance company a flat rate to manage each person enrolled in the basic plan.
    The more money the company saves (the better they manage the insurance) the more money they keep. However if that company provides poor management it will cost them. Either subscribers will change management companies if they feel they are getting a raw deal or wasteful management would not be payed for by the government.

    One advantage I see here is that consumers would have an alternative providers to go to if they feel wronged by a particular management company. Insurance providers also have an incentive to offer additional services to the basic plan members in order to attract more subscribers and earn money.

    With a govt program like medicare your stuck with the one provider (the governement).

    As they say One Choice is NO Choice….

    If someone wants additional insurance they can buy additional coverage from any provider they choose. But No one could be denied coverage for the standardized basic plan. Since everyone is part of this national group policy the basic insurance is portable and independent of supplemental policy one may have. So if you change jobs or move to a different state you may loose the supplemental policy BUT your basic coverage remains intact. You merely transfer the company that provides the management services for the basic medical.

    Insurance providers would get paid by the fed to manage the participants in the basic plan for each participant in the basic plan. this would put market forces into play for the insurance providers to make money by attracting additional participants through better service or offerings. COunter to this is if the consumer gets crappy management services they can transfer to any other insurance provider.

  48. Galen February 21, 2014 at 3:42 pm Reply

    I got a car insurance quota from geico and it came out to be $172 a month. I’ve never had an accident, but I’m a new driver. This number sounds a bit high, but I’m not sure. Is it?

    I’m new to this whole thing, so if anyone has any tips, I’d be very grateful.

  49. Etta February 21, 2014 at 5:44 pm Reply

    i’m young and just got my driver’s license. after months of learing about licensing, i thought it was all over. but, no! there is another entire world out there……insurance! i have no idea what insurance or registration or any of that is, i didn’t learn about it because i thought i could by the car and be done with it. i have so many questions about what this “auto insurance” is…….what about the basics?

  50. Bradly February 21, 2014 at 7:03 pm Reply

    …and, that if you wanted to stay with them, you will have to pay more money for a new policy, would your answer be….

    “It’s my state Governor’s fault, because she (or he) is forcing me to have auto insurance that has minimum requirements!”

    or, would it be:

    “Hey, no problem. I am going to go and shop with different companies, that offer a better plan, that costs less”?

  51. Dong February 21, 2014 at 9:46 pm Reply

    Is it possible for someone to buy auto insurance with their brother?

  52. Jesse February 21, 2014 at 9:59 pm Reply

    I have GMAC auto insurance on a financed vehicle, and I was wondering if they will cut a check for my claim to me or the repair shop??? Please Help

  53. Camilla February 21, 2014 at 10:39 pm Reply

    http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm
    out of all these types which is for auto? and if i wanted to work in a place that sells life insurance do i have to get certified for that too?

  54. Deana February 21, 2014 at 11:15 pm Reply

    I stay in Chicago my auto insurance claim was denied because they say I disclose 1 person in the house I stay in from my policy.The person is my mother and she have her own car and insurance.I own my car and paid full coverage.I had the accident a weeks before I had to renew my insurance I was covered doin the accident.Now Direct auto is trying to give me a premium refund check and cancel my policy after giving me the run around for a month and I have a totaled car that is worth 4-5 thousand .What should I do?
    this is auto insurance and I was fully covered I contacted the department of insurance they told me they are going to look in to it so it should be by February coming up.My insurance company did not say who was at fault but the way things went it did look like I was at fault doing the accident and his insurance took up for him.I been trying to find a lawyer most only do injury’s.

  55. Joleen February 22, 2014 at 1:18 am Reply

    I’m a teen trying to understand the point of auto insurance

  56. Jesse February 22, 2014 at 2:44 am Reply

    I am trying to get an auto insurance. But when i went to an agent to get a quote, he told me that since i wasn’t on somebody’s policy for 3 years, my premium is going to be much more higher.
    But I have had an license for more than 3 years but just was not on my parents policy because of high insurance premium.
    So my question is what is considered
    1. i need license for 3 years
    2. i need to be on someone else’s policy for 3 years.

  57. Nickolas February 22, 2014 at 2:45 am Reply

    Going to do a road rally in England, can Americans get some type of auto insurance on a car there or can they be put on someone’s insurance to drive, I wll also be getting a International drivers license

  58. Erik February 22, 2014 at 2:54 am Reply

    i am 18 years old a female and i own a 1996 chevrolet s10 2wd pickup truck i have had my licence since i was 16 and i am wondering if any one knows of any cheap insurance i live in st.petersburg florida please help!!!
    i am looking for a low low budget company becouse they are normally cheaper

  59. Edmond February 22, 2014 at 3:19 am Reply

    what is the best auto insurance out there and why

  60. Eusebio February 22, 2014 at 6:53 am Reply

    Ok so im thinking of getting this 07′ Pontiac G6 but i cant seem to find a insurance company with a quote lower than 300 mo. is there a insurance company / website that will give you quotes for several companies so i dont have to keep trying 5 diffrent ones ?

  61. Nola February 22, 2014 at 7:41 am Reply

    Somebody hit my car. I was not at fault. The lady holds an auto insurance policy. However, the car that she was driving is not listed on her policy. The car she was driving was not insured. Do you think that her current auto insurace polilcy willl pay for my damages. The adjuster (hers) stated that they are investigating to see if they are able to pay for my damages since the car she was driving was not on the policy.

  62. Darwin February 25, 2014 at 6:47 am Reply

    I disagree with the use of credit scores and auto insurance, and would like to find an auto insurance company that doesn’t use the method when selling me their service. Does anyone know of companies that don’t check your credit, and instead uses your driving record, age, etc….like it used to be?

  63. Noah February 25, 2014 at 12:32 pm Reply

    who would be the best company for me to go with for auto insurance on a 2008 mustang GT Coupe Premium? i plan on getting it in june and i’ll be 18. i have had two tickets, one for speeding (but its not on my record) and another for failure to yeild at a stop sign (which resulted in a wreck) does anyone know the approx. price i’ll be paying for car insurance with these facts? or which company i should go with?
    im a girl.

  64. Tory February 28, 2014 at 5:06 am Reply

    Couple month ago, I was in an accident while driving my friend’s car. Police were called, and police report were filed. I didn’t have a car nor auto insurance, so I paid for all the repairs on both car, so insurance company wasn’t involved. If I decide to buy a car and get auto insurance now, will my rate be affected? better yet, should I even tell the insurance company about it? Thanks in advance!

  65. Rosy March 3, 2014 at 5:30 pm Reply

    I know there are many different sites where I can compare auto insurance quotes. I am wondering if there are any sites that have local agents available on them? My local agent just retired and I am looking around for new coverage, I just don’t want to call everyone in the phone book you know.

  66. Rodrick March 5, 2014 at 9:36 am Reply

    cheap auto insurance in Georgia .looking for where I can pay btw $40-$50 a month

  67. Casey March 12, 2014 at 2:44 am Reply

    I’m currently a college student and would like to purchase my own auto insurance in Ohio (and no longer be included on my parents insurance). Does anyone have any tips on how/where to get good, affordable auto insurance? Are there any companies that you would recommend? Or ones that offer student/good student discounts?

    Thanks!

  68. Deedee March 13, 2014 at 10:59 pm Reply

    I heard about a company called USAA for auto insurance yesterday. I think it’s a website for military officers, and ex-officers or enlisted people. My dad was in the Air Force and I think that qualifies, but I dont know how good this company is or how well they deal with claims. Please tell me about your experiences with them.

  69. Brigette March 13, 2014 at 11:00 pm Reply

    Any One Can Tell Me The Cheapest California Auto Insurance´╝č

  70. Isabel March 13, 2014 at 11:01 pm Reply

    I am 17 years old, and i need an auto insurance that costs around $100-150 per month. i cannot afford higher than that.

  71. Lesley March 13, 2014 at 11:01 pm Reply

    How long does the auto insurance company pay you disability? And if they always have to pay the maximum years, or can they stop whenever they want.
    This is an Automobile Accident Case, and my Insurance is sending me my Disability Checks. My knowlegde is that in Michigan the AutoInsurance can pay you 3 Years. But i just wanted to know for sure if that is correct. Also, if the case gets settled, before the three years do they have to pay me the whole 3 years.

  72. Hoyt March 13, 2014 at 11:01 pm Reply

    Ever since debated started in regards to Obamacare, conservative pundits and politicians have been arguing that making people buy health insurance is unconstitutional. That putting people in jail with fines for not buying something is wrong. Well, what’s the difference with auto insurance. People HAVE to have car insurance in the US and are put in jail if they don’t. I don’t see the difference.

  73. Stacee March 15, 2014 at 2:13 pm Reply

    I have been looking for a site that gives Free Auto Insurance Quotes, everywhere I have found wants to charge me or run my credit. Can anyone help me? All I want is a Free Auto Insurance Quote is that to hard to find?

  74. Karie March 15, 2014 at 2:13 pm Reply

    I’m 16 and a half. I live in California. I got my drivers license yesterday. My dad has farmers insurance. Adding me to his plan will double his monthly bill. I am a VERY good driver, i live in a small city, and i never go on the freeway. Is it alright if i drive without adding myself to his insurance plan? i don’t think $200/month is necessary. Also, it is not legal to drive in California without financial coverage so if i get pulled over, will i get into trouble?(the car’s covered so im partially covered rite?).
    Thank you

  75. Frances March 15, 2014 at 2:13 pm Reply

    How do I find cheap auto insurance. Like how do you compare rates. And coverage. What should I look for in auto insurance. I drive 6 miles a day. I want cheap but I want something if Im in a crash. There going to pay for it. I have a 03 dodge durango. I want full coverage. And don’t stay don’t get full coverage.

  76. Sebastian March 15, 2014 at 2:13 pm Reply

    Just wondering how this works.
    Let’s say this happens one day….
    I cause an auto accident and I’m injured. My insurance will cover up to $5,000 for my medical bills.
    I have a heath insurance policy that has a 3,000 deductible and once that limit is reached, the health insurance company will cover everything else. (0% coinsurance on my behalf).

    Will the auto insurance be used towards my health insurance deductible if the above said scenario should happen?

  77. Brendan March 22, 2014 at 11:44 pm Reply

    Has anyone heard of Look! Auto Insurance based in Michigan? Are they a legit agency?

    http://www.look-insurance.com/home.nxg

  78. Maragret March 25, 2014 at 4:23 am Reply

    I am 18 years old and I am trying to buy insurance for my car. I noticed that the prices for insurance are really high for teen drivers. I was just wondering if my parents could buy the insurance under their name so the payments can be cheaper or does the policy have to be under my name.
    My car is registered under both my father and my name.

  79. Luisa March 25, 2014 at 3:27 pm Reply

    Our jeep was at red light when hit from behind by a sedan. The sedan drove off (hit and run.) However, we were able to get the license plate number and called the police; they came and created a report. Additionally, they actually found the physical license plate in the street, so there was no doubt about which car hit us, and there were witnesses to the accident.

    We only have liability coverage – not collision – so our insurance (Geico) won’t cover a rental or any repairs on our car (which is basically totaled.) Geico did contact the other car’s insurance (Allstate) so that we could file a claim.

    According to Allstate, the car’s owner is denying knowledge of the accident, and because we didn’t actually see her in the car, they have to investigate further. She says the driver was driving without permission, but as far as we know she didn’t report the car as stolen.

    In the meantime, we need a rental; is there any way to press Allstate to make a decision faster or pay out some money now? What can we do if the insurance company refuses to cover anything?

    If the car’s owner is in possession of the car still, doesn’t that mean it wasn’t stolen?
    Additional question – if the owner’s insurance refuses to cover anything, what should we do at that point? Can we try to sue? Unfortunately, we didn’t see the person driving so I guess it would be difficult to track down the actual driver responsible, though sound sort of sounds like the owner might know who it was, especially if she’s still in possession of the car (i.e., it was borrowed without permission but not necessarily stolen.)

  80. Marshall March 29, 2014 at 5:32 pm Reply

    I just got my license. I am not on my parents auto insurance policy yet however both my parents are insured. If I were to get into an accident, could I call the Auto Insurance company and put myself on the plan before they realized that the accident occurred? How do insurance companies find out about accidents? Like do they know as soon as police show up? Please don’t tell me to just pay for Auto Insurance because of course I know that.

  81. Ronald April 16, 2014 at 7:59 pm Reply

    Hello all,

    My current auto insurance is ending next month and the renewal form just came in. Coincidently, I was offered a better deal from another auto insurance that was less than half of what I currently am paying. I called and check and it was the same coverage.

    My question is that do I need to let them know that I will not renew my current auto insurance with them? This is my first time planning on switching and I would like to know if there is any penalties or anything in general I should worry about.

  82. Lauren April 18, 2014 at 8:10 am Reply

    If a drunk driver is responsible for an accident and the victim became disabled, who pays for the damages? Does the auto insurance pay or does the drunk driver has to use his private assets and income to pay?

  83. Christian April 18, 2014 at 11:57 pm Reply

    I need statistics for the average auto insurance costs for teen drivers. Most recent prices. Thanks

  84. Vince April 20, 2014 at 3:09 am Reply

    Someone told me if a person files bankrupcy, their auto insurance premiums increase. Is this true and how do insurance companies justify the rate increase?

  85. Alec April 25, 2014 at 2:23 pm Reply

    I am paying too much on auto insurance and I need a cheap option.

  86. Bart April 28, 2014 at 11:53 pm Reply

    I crashed my car and AAA is telling me the car is going to be totalled because the amount of repairs is > the value of the vehicle.

    A “settlement advisor” called me today to offer me $13,000 for my car (2005 PT Cruiser Turbo Limited, fully loaded, Nav system, moonroof, 41000 miles). I owe $15,900 on it still (no gap insurance)….and Kelley Blue Book values it at $16,415, NADA at $15,675 and Edmunds at $15,827. I complained and the advisor said “we use Auto Trader b/c Blue Book is inflated”, but he looked up a similar car (touring edition, much cheaper) and said he could up the quote $600, for a grand total of $13,600. I have to accept/reject within the day (pressure tactics!) or risk losing the offer and having the car valuated.

    I just called AAA as a potential insurance buyer and asked how they value cars for pay-out. She told me they use Blue Book dealer retail, which would be AWESOME for me.

    Thoughts? Advice? Should I turn down the offer?
    Now they’re telling me they haven’t used Kelley Blue Book dealer retail in years… I don’t know what to believe :
    $500 deductible

  87. Rogelio April 30, 2014 at 7:11 am Reply

    which auto insurance should i get for my 2005 chrysler sebring? i have farmers but its so freaking expensive! i pay 200 dollras every month and i know theres people who pay less i wanna know which insurance would be cheaper? but i want full coverage and everything.

  88. Raven April 30, 2014 at 4:33 pm Reply

    I got a quote from a travelers auto insurance agent thats a good $75 less a month than what im paying now to progressive. The coverage isnt even bottom of the line either, its all the “recommended” selections. Anyone have any experience with them?

  89. Edmundo May 27, 2014 at 7:36 am Reply

    My friend is asked me about the auto insurance Anniston. But I could not say something. For this why I want to know about it.

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