"After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at Cheap Car Insurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]
Know when to cut coverage. Don’t strip away coverage just for the sake of a lower price. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.
Results: After a short wait, the quoting tool produced two quotes, for $299 per month and $971 per month, plus links to two other insurance sites. SmartFinancial allows you to narrow down the results further by selecting desired features such as local agents and low down payment, but given how limited the results were in the first place, that particular option isn’t much help.
Plus, there are hundreds of car insurance companies. What are the chances that the one company you selected is the cheapest car insurance for you? Unless you are comparing prices, you won’t know how much you could be saving. In one comparison, a woman in Texas got prices that ranged from $77 a month to $300. That’s over $2,600 in savings every year from switching car insurance companies.
When you’re looking at car insurance quotes, it can be easy to get stuck reading the fine print without really knowing what type of coverage you would receive with your new policy. At First Security Insurance, we can alleviate some of the hassles of trying to find car insurance quotes that match your budget and your needs in Hickory, North Carolina.
Because most forms of insurance are regulated at the state level, state legislation influences car insurance premiums. For instance, in Michigan, a no-fault state, state law requires an unlimited amount of Personal Injury Protection coverage, a requirement that increases the cost of car insurance. Although each state legislates insurance differently, auto insurance prices may vary on a zip code-by-zip code basis. Below is an analysis of the cheapest and most expensive states for car insurance (from The Zebra's State of Insurance study).
You can sometimes get auto insurance quotes on lead generation sites, but expect them to be far less reliable than quotes from comparison sites. Using lead generation sites most likely means that you’ll end up wandering from one auto insurance website to another in pursuit of the best rate, which rather defeats the purpose of using a quote-generating site at all.
You might wonder how auto insurance quotes are calculated. It's important to understand the primary goal of an insurance company is to effectively predict risk and assign premiums based on the risk a particular driver may pose. Car insurance companies assess your entire driving profile to estimate this risk, including factors such as location, demographics, insurance history, driving record, and vehicle.
Whether you select the state minimums or increase your coverage, make sure the limits you set for bodily injury liability coverage and property damage liability coverage are the same for every quote you compare. Bodily injury liability coverage helps cover expenses of another person's physical injury if you are found liable in an accident. Property damage liability coverage helps pay for damages you may cause to another person's property.
Choose from 3 standard options or customize your coverage to fit your needs and budget! Infinity wants to make it as easy as possible for you to find the right car insurance coverage. Whether your budget is limited and you need to meet state-minimum requirements or you want the best protection possible, Infinity has you covered. Get your free auto insurance quote online today!
In the state of North Carolina, having car insurance is a requirement, and for good reason. Not only do you need to protect your vehicle as an investment, but you also want to make sure you and your family members have coverage in the event of an accident. At First Security Insurance, we know it can be tempting to only take on the minimum coverage, but it’s important to know that these minimum requirements may not provide all of the insurance coverage you need. That’s why we are here to help when you need to improve upon your car insurance policy, so you feel protected anytime you or your family members are on the road.
If the insurance company is willing to renew your policy, in most cases you’ll receive notice a minimum of 14 days before the expiration date of your policy. The notice generally includes how much you have to pay as well as when you have to pay by. If you pay your premiums every month, you won’t have to do anything as the company will simply continue to draw payment for your account on the same date every month. However, if you pay your premium as an annual lump sum, you should talk to your insurance company to see how you can make the payment.
Need help selecting the right car insurance coverage? You can chat online with one of our friendly professionals while you get your quote! Care for a more personal touch? Call 1-800-INFINITY and get the same friendly service over the phone! And don’t worry, we don’t outsource our customer service, so you will always be speaking with someone who works for Infinity and can answer all of your questions.
On average, an at-fault property damage accident with a claims payout exceeding $2,000 will raise your premium by an average of $726 per year. Over three years, that adds up to $2,178! If you’re thinking of filing a claim, consider the overall cost of the claim versus what the claim would cost to pay out of pocket. Compare this $2,178 penalty — plus your deductible — to the out-of-pocket expense. While this is nice information to know before filing a claim, it won’t help if you’ve already filed a claim. If you have an at-fault accident on your insurance history, consider Nationwide or Farmers.
Example (Comprehensive): You park your car outside during a major hailstorm, and it's totaled. If you have comprehensive, we'll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop, and cause $2,000 worth of damage to your vehicle. If you have collision, we'll then pay for your repairs (minus your deductible amount).