How To Cut Your Auto Insurance Costs

With this challenging economic times upon us, all of us are looking for the best bargains and finding great auto insurance at a good price is certainly one goal that everyone has. Fortunately, there are lots of ways that will help save money and it’s just a matter of knowing what they are. Let’s check out some of the most popular ways how folks are cutting their auto insurance expenses.

Obviously, the first thing we can do is shop around. Not only do shopping around allows to compare companies and benefits, it also makes us aware of what is a better value. The fact is there many companies out there that are willing to give you a good rate for your business but unfortunately there are some who will not. For these reasons, you should take your time and do a little homework before making your final decision.

Probably the most effective way of keeping your auto insurance costs low as to not be involved in auto accidents. If you are accident free, you get by far the best rates. If you have become involved in an auto accident in recent times, strive to go 3 to 5 years without having another accident and you will be able to take damage of much better rates.

If you are purchasing a new car, and make sure they have airbags. Airbags greatly reduce the cost of auto insurance. Also if you are looking for a new car, anti-lock brakes or another feature that will help reduce your insurance cost. One more thing to consider if you are looking for a new car is to try to purchase a new car as opposed to a used one. Many folks just aren’t aware that brand-new cars will actually save you money on car insurance.

You’ll be very surprised to find exactly how much you can say if you just do the simple things listed here. As you can see, most of them are pretty simple. It is just a matter of being aware of the factors that affect your auto insurance costs.

Qualities of a Good Business Auto Insurance Roadside Emergency Service

Business auto insurance emergency services are a necessity for many businesses. If you have a fleet of vehicles or just one or two company cars, you still depend on them to keep your business running smoothly. For this reason, you need a good roadside assistance protection plan that will greatly reduce your downtime due to emergencies.

If you cannot make deliveries on time or if you miss meetings due to problems with your vehicles, your business will suffer and your clients may choose to go with someone else who is more efficient. While emergencies cannot always be prevented, the way you handle the problem when they do occur will have a positive or a negative effect on your company.

Having extra insurance designed to get you back up and running again when something happens will help you meet your obligations. This will keep your business running smoothly and encourage growth. There are many companies available that offer this type of protection but not all of them provide the same quality service. For this reason, it’s important for you to find the company that offers the best roadside assistance available.

Here are some of the main qualities you’ll find in a good business auto insurance company:

· Friendly and knowledgeable representatives are always a good sign. You can get so much more accomplished when you can communicate and a good environment helps to make a bad situation a little easier to deal with.

· The company uses the best service in the area to help you instead of going with the cheapest to save money. This will be a major factor in what type of service you receive when you need help.

· They have a good response time and a good reputation for being available when you need them.

· They will provide both local and long distance services. This way, if your drivers travel long distances, they’ll still be protected by this coverage. This is very important because you don’t want to have an emergency and then find out you’re outside of the covered area.

· The company may also provide extra services such as traveling discounts, maps, trip planning and multiple car discounts.

You must keep vehicle downtime to a minimum in order for your company to meet deadlines and be productive. When you find a company with the qualities above, you can expect good service that you can depend on. Knowing help is on the way can reduce the stress on both you and the stranded driver.

Business auto insurance is a valuable resource, which can help your company meet its obligations. This makes it easier for you to focus on other important aspects of your business. When your vehicles are down it hurts your reputation and cost you money. It makes it difficult to compete with your competitors and almost impossible to earn the reputation you’re trying to reach for your company.

When roadside emergencies happen, your drivers won’t be delayed for too long. This service will have them up and running again very quickly or at the very least, help them off the road and to a safe place where the vehicle can be repaired. If you have company vehicles, you can’t afford to not have business auto insurance roadside emergency service.

Business Auto Insurance – How to Get the Cheapest Rates

If you use your automobile for your small business, you may need a business auto insurance policy. But how do you know whether you need such a policy? And how can you save money on the policy if you do need one?

Who Needs Business Auto Insurance?

Business auto insurance provides the same type of coverages as a personal auto insurance policy – liability, collision and comprehensive, medical payments, uninsured motorists coverage, etc. However, you will pay about 10% more for the business policy, so you want to make sure you really need it.

In general, if you use your car for business purposes, you may need a business policy. This can include visiting work sites, transporting clients or co-workers, or even delivering pizzas. At the very least, you may need to add a business rider to your personal auto policy.

If your business owns a car, you definitely need to cover that car with a business auto policy.

Finding an Affordable Policy

The amount you pay for a business auto policy depends on the location of your business, the number of employees driving, whether you are insuring a company car or employees’ cars, and the driving records of your employees.

The best place to begin your search for an affordable policy is at an insurance comparison website. You can quickly and easily get quotes, compare policies, and talk with insurance professionals who can answer your questions (see link below).

As you research your options, keep these money-saving tips in mind:

* If you can afford it, raise your deductibles to bring your premium down. Most insurance companies will allow you to pay up to a $1,000 deductible for comprehensive and collision coverage. Just make sure you’ll be able to afford the deductibles if you ever need to pay it.

* If repairs will end up costing more than the cars are worth, skip the collision coverage.

* Ask your insurer to give you all the discounts you’re eligible for.

What is the Average Price of Auto Insurance?

How much do the majority of people shell out for auto insurance? That is really a tough question. It is based for the most part on where you reside, instead of on the type of auto you own, as many believe.

If you live in a rural area you will most certainly have lower premiums than someone in the city. There will be a greater chance of an accident if there is more traffic on the road.

Insurers determine the cost of premiums by considering a variety of pertinent factors that include the driver’s age;however, the major concern is assessment of the risk that they will have to pay a claim.

The National Association of Insurance Commissioners put together a report stating the typical cost of auto insurance dropped by 1 overall.Seven percent in 2006. They made a list of the 10 most and least expensive states to reside in when considering auto insurance costs. There is a significant difference between the highest and the lowest.

The average expenditure per capita in Washington DC is about a thousand dollars a year. The average in North Dakota is $530, which is less than 50%. If you want to relocate for a lower insurance rate, you may want to consider moving to Iowa, South Dakota, Idaho, Kansas, Nebraska, Wisconsin or North Carolina. You can obtain a comprehensive car insurance policy at an average annual rate of less than $600 a year in all of these states.

However, interestingly enough, the median price for homeowners in North Carolina is more elevated since their coastal region suffers a lot of hurricane damage. There are many factors to think about when you are picking a new place to live.

Among the states that have the most elevated rates are Nevada, Delaware, Florida, New York and New Jersey. Each year, the expenditures in the indicated states top $1000. Different cities also have different rates. The state average rate is driven up by cities with higher rates

Just two years ago, people residing in Detroit could expect to pay over five thousand dollars a year for auto insurance. However, the median amount statewide was under $1000. Michigan is big in size, possessing a lot of rural regions. If you live out in the countryside your premiums will be lower than in a populated area such as Detroit.

Which businesses sell the majority of auto insurances? It may interest you to know which businesses supply the most auto insurance in the United States. Go online to compare quotes from these three as well as many others.