Compare Cheap Car Insurance Rates Online For Free

Car insurance is a very important thing for every individual who owns a car. If you are an owner of a car and are looking out for car insurance, then reading this article would do a world of good for you. I would like to stress on the need for a cheap one. That’s right, why not go that extra step and get yourself an insurance for your car?

When looking out for auto insurance, it is a good idea to compare the cheap vehicle insurance rates online. When you do that you get an idea of the different rate that is available as of now. You will of course choose the insurance rate according to your need and doing little bit of research is absolutely necessary. Let us see how you can get yourself with cheap auto insurance.

Consumer quote tools: The first method would be going through insurance websites that offer auto coverage quotes from different insurers immediately. After applying, these websites provide information that all companies use to set rates you will start seeing results almost immediately. You get lot of options to work with as you will get both expensive and cheap  rates.

You can compare from them and choose the one which suits your needs and requirements.

Visiting individual websites: This is also a good idea, but it is time consuming, you don’t want to spend all day looking for cheap car insurance. But, you can individually go through each company and make sure that you get the best cheap car insurance. This way you can go through their insurance products that they are offering you. It is time consuming like I mentioned earlier, but you get a good idea on the different insurance rates that are available at the moment.

Remember that car insurance rate quotes are a free service and in case some websites charge you, then you can refrain from using them.

Compare Cheap Car Insurance Quotes

When you compare cheap car insurance quotes, you probably compare the prices of each policy you’re considering. While comparing prices many seem like the obvious way to get a cheap car insurance quote, price should only be one factor.

Once you have your cheap car insurance quotes, you need to compare them as well as the car insurance companies. There are three factors to consider when you compare cheap car insurance quotes: coverage, cost, and service.

Coverage Offered by the Car Insurance Policy

The first factor to consider as you compare cheap car insurance quotes is the coverage offered by each policy you are thinking about purchasing. There’s no point in getting a really cheap car insurance quote if the policy doesn’t offer the coverage you want and need.

Cost of the Car Insurance Policy

Now that you know about the kind of coverage offered by each car insurance policy, take another look at the cost of the policies. Do they still seem as cheap as they once did? With the kind of coverage offered by each policy in mind, does the cost of each car insurance policy seem reasonable, or does it seem you will be paying more than you are willing to pay for that coverage? Especially compared to the coverage and cost offered by the other car insurance policies you are considering?

Service Provided by the Car Insurance Company

It is time to take a look at the service provided by each car insurance company, or at least, the car insurance companies offering the insurance policies that have made your cut thus far. First, check the financial rating of the company; you can do this by asking an independent research company. Next, speak with actual agents and representatives from the company to get an idea of the quality and friendliness of the service. Finally, talk to friends and neighbors about their experiences with each car insurance company.

Florida – Hunt Down Those Cheap Car Insurance Rates!

Getting insurance for your new car in the state of Florida is not the end of the world. In reality, things fluctuate, be it the stock market or real estate and so do Insurance premium and this includes prices going down too.

Florida being a No-Fault zone does not make things any complex and the insurance rates are not fixed by rules and regulations. In fact, there is so much of competition between insurance companies that they are slashing insurance premium to gain a bigger market share. Big organizations want business and customers get to benefit.

Where are these deals and who are they? You are looking at the answer, yes online quotes have got to be the cheapest way to shop for insurance. You fill in a easy questions in two minutes and quotes are provided within five.

Online quotes are affordable simply because its the cheapest way for the insurance company to sell. So why not take the benefit. All that is required is a bit of homework and research on websites.

It does not matter if you have a bad credit risk or have had a recent traffic violation, the online sites are extensive enough to cover all these. The comprehensive one look webpage has it all, covers all makes and models of car including high risk drivers. You could print the proof of insurance in minutes.

There are many good players in the market, some long established while others have just diversified into insurance recently. Make sure you look at the ones that are recognized, reliable and rated.

It could be a daunting task to keep all these in mind and find a policy that suits you, your needs. There are websites where you can look at all available options in one shot, compare the premium, view rankings and even see what others have to say about them.

Florida drivers, there is more! Some insurance agents even offer discounts if you pay premium upfront. A bit of surfing, which we all love to do is what is needed, to dig out the cheap insurance.

Insurance Company Complaints – Who Are the Top 10 Companies With the Least Number of Complaints?

The New York State Department of Insurance (DOI) just released the 2008 Annual Ranking of Automobile Insurance Complaints. The report has been issued to help consumers find the automobile insurer that best meets their needs. You can use this report to compare the ranking of the insurance company you are doing business with now, or check another company you may be considering.

This report analyzed data collected from 2006 and 2007. It only ranks companies doing business in the State of New York. However, as New York is a heavily populated state, with both big urban centers and big suburban areas, the report can be considered a good representation of insurance company performance nationwide.

How The Ranking Works

The insurance companies are ranked on a complaint ratio. The ratio is calculated by the number of complaints upheld against companies as a percentage of their total private passenger auto business.

Insurers with the fewest upheld complaints per million dollars of premiums are shown at the top of the list. The companies with the highest ratio of complaints are ranked at the bottom.

Other Information to Consider

The ranking of an insurance company is important, but it is only one characteristic that consumers should weigh when considering doing business with an insurance company. Others are:

o Referrals from friends, relatives, neighbors or co-workers about the experiences they had with their insurance companies
o Price of the premium versus perceived value
o Search the Internet for other ideas
o Check your state’s DOI website, which may contain valuable consumer information about companies doing business in your state.

What The Ranking Does and Does Not Contain

o Private passenger insurance is the only type evaluated.
o It only includes the complaints referred by consumers to the DOI. It does not include complaints made directly to the insurance companies.
o Complaints are “upheld” when the DOI agrees with a consumer that an insurance company made an inappropriate decision.
o Information from prior years is included in the tables so consumers can see if the company has improved or gotten worse.
o All companies with at least $10 million in premium in 2006 and 2007 are included in the ranking. Insurers with less than $10 million were included if they had 10 or more complaints against them.

Top Three Most Common Complaints

1. Monetary settlements – settlement amount is too low.
2. Policy terminations
3. Promptness of insurance payments

2007 Auto Complaint Listing (ranked lowest number at top, higher as you go down)

1. Mercury General Group
2. American Express, Amex Assurance, IDS Property Casualty
3. Eveready Insurance Co.
4. Electric Insurance Group
5. Amica Mutual
6. Preferred Mutual Insurance Co.
7. United Services Automobile Assurance Group (USAA)
8. Chubb
9. Utica Mutual
10. State F*arm
11. Central Services Group, Central Insurance Group, NY Central Mutual Fire Ins.
12. Main Street America Group, National Grange Mutual
13. Progressive
14. Liberty Mutual
15. Kingsway Insurance Group, Lincoln General Ins.
16. Response Insurance Group
17. Nationwide Insurance
18. American Modern Ins. Group, American Family Home Ins.
19. St. Paul Travelers
20. Unitrin Group, Kemper
21. Erie Insurance Group
22. Berkshire Hathaway Insurance, GEICO
23. Allstate Insurance
24. The Hartford Insurance Group
25. Hanover Insurance, Citizens Ins., Allmerica Financial Alliance
26. Metropolitan Group
27. American National Financial Group
28. Allianz Insurance Group
29. GMAC, Integon, MIC P&C, National General Ins. Co.
30. Zurich Ins.Group, Foremost, Maryland Casualty
31. Hannover RE Group, Clarendon National
32. State Wide Insurance
33. White Mountains Group, OneBeacon, Esurance, Auto One Ins.
34. Countrywide Insurance
35. Safeco Insurance Group
36. American International Group (AIG)
37. Tri-State Consumer Ins. Group
38. Interboro Mutual
39. Infinity Property & Casualty
40. Long Island Insurance

Conclusion

If your auto insurance provider is not shown on this list, it could be that they don’t sell insurance in New York. Or, it could be that their number of complaints is worse than the company in the #40 position!!

Think about this statement, my friends.

The only thing that truly matters about your auto insurance is what happens when you submit a claim. Claims are about KEEPING PROMISES. When the insurance companies don’t keep their promises, the complaints pile up!

So, why would you EVER consider doing business with any insurance company LOWER than NUMBER 10 on the list?

If you are one of the unfortunate people who experience an automobile loss of any kind, you’ll need to know how to handle your insurance claim so that you maximize your recovery. I’ll even be so bold as to say this: If you do not use the strategies for submitting a claim found in my book, you will not collect all the money you are entitled to collect. You will need to know how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, check out the website shown below in the Resource Box.