leusch13 asked:


I currantly have Geico for our auto insurance. They are cheap but i am seeing why. thier customer service *****. i would really like some opinions on different car insurace companies. Thanks!!

Invisible asked:


This car insurance companies are actually making a profit off of something we are required by law to buy.

Shouldn’t Obama take the profit out of the car insurance industry and offer a public option to compete against them?

kelly825782003 asked:


I am looking to buy a new car. It is a 2005 Pontiac Sunfire. I live in Wisconsin, am 29, and have an excellent driving record. I need full coverage, and called my insurance agent (Progressive- which I’ve been with for over 12 years) and they said, for an average, about $500 every 6 months. Is this a little high or is this about average. Are there any other car insurance companies that might offer better rates?

ev1go asked:


What steps do I need to take in order to always be well ahead of the tricks that car insurance companies would want to pull on me?

Sandra asked:


I’d prefer to not call all the companies. Is there a way I can find local car insurance companies easily?

Trombone asked:


I have recently fallen into hard credit rating times due to a recently failed business of mine. I need to shop around for new car insurance and other than the bad credit would normally get a great rate (no tickets, accidents, 30+, decent salary). I’ve heard mention of certain car insurance companies that will not pull your credit rating. Know of any?

Saving money on car insurance requires a combination of techniques that improve your insurability, decrease the rate of insurance for your vehicles, and provide you with a unique advantage when it comes to purchasing car insurance.

This article will outline seven techniques that will ensure that you receive the lowest possible car insurance rates.

1 – Choosing the Best Insurer

Cost is certainly one factor when considering car insurance, but your insurer selection should be weighted more heavily on reliability. You could easily call a number of insurance companies, ask for quotes, and simply select the lowest bidder. However, even if the lowest cost insurer saves you hundreds of dollars a year in premium payments, that savings does you no good if you find yourself in an accident, needing car repairs or medical attention, with an unreliable and unresponsive insurance company. A good company is crucial. It’s not just about car insurance best rates.

#2 – Customize Your Policy

Before you begin calling around, it’s important that you determine the level of insurance coverage you need. Not everyone’s insurance needs are the same. Some families own two or three very expensive vehicles, while other families own only older used cars. Some people are members of AAA, while others are not. The specific terms of a policy should be determined by your life situation and the value of the items being insured.

#3 – How to Become Highly Insurable

Whether you’ve already purchased car insurance, or you are getting ready to start looking, one of the best things you can do to obtain the lowest possible rates is to improve those things that car insurance companies look at when they calculate your insurance premium. There are several things you can do in the short term to improve your insurability standing, and there are also things you can do over the long term to improve it as well. This section will describe four major elements of this technique to save money on your car insurance.

#4 – Reduce Your Car’s Insurance Rate

Another extremely effective technique to obtain the lowest possible insurance rate is to improve those things about your car which car insurance companies value the most when they calculate your insurance premium. There are several things that you can do before buying a car that will dramatically decrease your insurance premium. If you’ve already bought a car, however, and are looking for ways to decrease your existing insurance costs, there are still methods you can use that will substantially cut your premium costs.

#5 – Gaming the System

In addition to all of the techniques already listed in this article, there are also additional ways that you can use the insurance industries rating rules and premium calculation system in ways that will reduce your costs. Again, use the industry’s rules to get car insurance best rates.

#6 – Constantly Update Your Policy

One of the most important things that you can do to keep your insurance premium at a minimum is to always remember to update your insurance provider of any changes in your life that can reduce your insurance costs. Forgetting to do this can be very costly.

#7 – Deciding on Liability Only

There comes a point in the life of a car when the decision needs to be made whether or not it is worthwhile to maintain collision and comprehensive insurance coverage.

Getting Rock Bottom Insurance Rates

If you carefully follow each of the sections outlined in this guide, you are guaranteed to receive the lowest possible insurance rates for anyone within your calculated risk bracket. No one should ever overpay for car insurance – especially given the fact that there are so many insurers in the industry competing for your business.

Most people overpay for car insurance out of sheer laziness. However the consumer that understands how car insurance works, and is clever enough to take advantage of all of its loopholes, will save significantly on their premium in the long run.

Before you step foot into another insurance office, or visit another insurance website, make sure to print this guide and follow it carefully in order to ensure that you get the best insurance deal possible. Remember, car insurance best rates are achievable.



By: The Internet Car Guy

About the Author:

mplsundin asked:


I’ve been looking at several different car insurance companies to compare rates and services. I’ve never had a claim in the past, but I was wondering if anyone had positive/negative feedback they’d be willing to share about any specific companies and how they handled a claim. I’ve been warned that some companies are pain to work with when you do file a claim, but maybe that was just a few rare circumstances with the people I’ve already talked to. Thanks for you input.

PAL P asked:


I am planning a trip and need to rent a car at my destination. I have several car companies that are willing to rent a car to me, though I’m 19, but they require full coverage car insurance, which makes sense, but the problem is I just have PLPD insurance. Is there a way I can temporarily purchase full coverage insurance from my car insurance company or what other options do I have for renting this car? Thanks!