There are certain options that many car insurance policy holders usually agonize over and are never quite sure whether or not to include.

For instance many folks find it unnecessary to take out comprehensive cover where the car is not brand new or so valuable that should anything happen replacement could prove to be extremely difficult and expensive. Comprehensive insurance usually covers damage to the car that does not involve a collision. This could be caused by vandalism or break ins into the car. Comprehensive car insurance also compensates the car owner should his car be stolen.

In other instances many may feel that collision cover is not of absolute necessity. Collision car insurance pays out for damages to the car as a result of colliding with another car or even object. It also covers somebody in the event of a hit and run accident.

Then there is uninsured motorist coverage, which pays for injuries sustained by a driver who does not have insurance. There are those who may find this strange and unnecessary, but the reality is that although auto insurance is mandatory, there are still those drivers on the road who do not have insurance.

So how does one make a decision on what insurance options to take and which ones to leave out? A useful thing to remember is that insurance is for your protection and therefore issues of budget and trying to cut down on your costs in a very big way should not come in. If they are allowed to dictate your decision over these matters then chances are that you could end up paying a very high price for this mistake one day. A useful rule of thumb is to ensure that you are adequately covered and protected against any eventuality no matter how slim the chances of it ever occurring are.

If the predictions are true, car insurance premiums should be dropping in 2007. How much could you save if you shopped around now? It all depends.

According to the Insurance Information Institute, the average U.S. driver could be paying less for auto insurance in 2007. Safer cars, a competitive marketplace, new underwriting and aggressive fraud-fighting have all combined to drive down the cost of car insurance. The Insurance Information Institute expects the average premium expenditure to drop 0.5 percent. They also attribute the drop in costs to fewer costly claims.

However, the cost of insurance per individual driver still depends on a lot of factors including:

* Your age
* Your driving record
* The amount of coverage you get
* How long it's been since you have had coverage
* The type and age of vehicle you are insuring
* Your credit score
* Where you live
* How many miles you drive every year

So is it worth it to shop around for a better deal on your car insurance? It could be. Although the average savings due to price drops may not be significant, you still may be able to save by doing some comparison shopping. What's more, you may want to adjust some of your coverages and deductibles since you last shopped. Reducing some coverages on older vehicles and increasing your deductible can help you save more on auto insurance costs. You may also get a better rate if your credit score has improved.

Try to get at least three different quotes when you comparison shop, and make sure you are getting quotes on the same limits, deductibles and coverages from each insurance company.

Who knows? With a downward trend in auto insurance premiums, we U.S. drivers may see some financial relief this year.

Shopping your car insurance is quick and easy and you may even save hundreds of dollars per year. It really pays to check car insurance prices with several companies on a yearly basis. You might find a lower rate and you may even find a special discount as some insurance companies offer such things to new customers.

Where you live is a big influence on the cost of your car insurance. If you have a little time and the determination you will probably be able to find a cheaper insurance but you have to be willing to research it. One of the best places to look for affordable car insurance is the Internet. We always will have to deal with car insurance in our family budgets so it pays to become well informed.

Car insurance is insurance that provides protection against losses incurred during a car accident. But how much car insurance is enough? Although you have to have car insurance don’t pay more than you have to for good coverage. Car insurance is a major cost of owning and driving a vehicle and is required by all licensed drivers. Many of us do not know how to find the best rates available.

That being said, don’t be cheap about the car insurance you purchase, because as in other purchases you get what you pay for. All car insurance is not equal. Do some research, ask a lot of questions and then decide what type of car insurance is right for you. Shopping for car insurance is easier now that many companies have fully interactive websites. Because there are so many companies offering online car insurance the online discount offers have increased dramatically.

It's worth shopping around online for car insurance today. Look for sites that offer multiple quotes to speed up comparison shopping such as: "We Shop Around For You, And Come Back With the Top 5 Quotes". We recommend you get at least 3 quotes to compare. These sites definitely will make your life easier but you can still go directly to the car insurance companies’ websites to look for quotes or to do research. There are also sites that rate car insurance companies, based on massive consumer surveys. These will definitely point you in the direction of the best policy for you. It may sound like a lot of bother to explore all of these possibilities but it will pay big dividends over the years.

Sooner or later it happens to almost everyone...you've been involved in a car accident.

After information has been exchanged and everyone is back home, it's time to start thinking about getting your vehicle repaired. When you do, most auto repair shops will give you a choice as to whether you want to use OEM or aftermarket parts to restore your car back to its original condition.

OEM stands for Original Equipment Manufacturer. These are basically the exact same parts that your car came with. Keep in mind though, that many auto makers have outside companies manufacture parts for them, so they may not be actual Ford or Chevrolet parts, for example, but they will be of the exact quality that originally came with your car.

Aftermarket parts are supplied by third party manufacturers. These parts are designed to the same specifications as the OEM parts. For various reasons, they are often cheaper to purchase, and therefore, most auto body shops will recommend using aftermarket parts to repair your vehicle. For one thing, most insurance companies will not pay 100% of the cars repair costs if OEM parts are used, since the insurance company will incur higher overall costs as a result.

Keep this in mind if you decide to insist that the repair shop uses only OEM parts, as this generally means that some (or all!) of the cost of repairs may be coming out of your own pocket.

In most cases, aftermarket parts are as good, quality-wise, as their OEM counterparts. Occasionally, they are even better.

Where this becomes a bit tricker is in those instances where safety-related parts must be replaced, such as bumpers, brakes, etc. Aftermarket parts are not subject to the same rigorous crash-test standards and procedures that all OEM parts are required to go through. As a result, there is a belief that the aftermarket parts may not hold up as well in a crash as their OEM counterparts.

The Insurance Institute for Highway Safety (IIHS) has disputed this notion, and states that aftermarket parts do not degrade the overall safety performance of an automobile.

One thing is certain though, whether OEM or aftermarket parts are used, whether or not you paid out of your pocket for repairs, you will pay dearly when the time comes to trade in your vehicle at the dealership. With the advent of detailed auto databases, dealers can quickly find out if your vehicle has ever been in an accident. If it has, expect the amount you are offered for your car to be cut nearly in half.

It's nearly impossible for a car dealer to sell a vehicle that has been wrecked, and they are forced to sell it to a wholesaler for pennies on the dollar, which is why they must drop their offer to you so dramatically.

Ultimately, you must decide whether you wish to use OEM or aftermarket parts on your vehicle for its repair. Depending on the make and model, you may have no choice but to use OEM parts, as aftermarket parts may not be available. Fortunately, most insurance companies *will* pay 100% of the repair costs in this particular situation.

Why do I need auto insurance coverage
Whether you have a perfect driving record or a few violations under your belt, you will need auto insurance coverage. Maybe you've just spent way too much money on your new car, and can't afford a lot of auto insurance coverage. Or maybe you feel like your hunk of junk isn't worth insuring at all. Keep in mind, however, that auto insurance isn't just about paying for damages to your own car.

There are several types of auto insurance coverage available to drivers. While collision coverage is available to pay for damages to your own car, liability coverage will pay for damages to another person's property if you are responsible for an accident. If you're ever in this position, liability coverage can save you thousands of dollars and helps you pay the costs of related lawsuits.

Although many auto insurance coverages are optional, in most states liability coverage is mandatory. These states will require minimum levels of coverage, but you should consider buying higher levels, which will afford you greater protection.

Other coverages, such as comprehensive, bodily injury, and uninsured motorist are also available in many states. Take a look at the Esurance Insight, Esurance Offers Auto Insurance Tips for Your State, to find out more about auto insurance requirements in your state.

It is wise to look carefully when searching for auto insurance quotes online, since premiums vary throughout the country. Depending where you live, your insurance rates will differ. A car insurance company that gives a great insurance premium to your friend or co-workers could not have the lowest prices for you. Premiums differ depending on your location and gender. For example, if you are a single 30 year-old man with a perfect driving record and living in the suburbs, you may pay from a minimum of seven hundred dollars to about one thousand. A seventy year old retired man could pay as low as two hundred dollars for auto insurance.

Customers should consider the value of their car and what they can and can't afford. Thus, it's very important to get as many auto insurance quotes as possible.

Carefully consider how much auto insurance coverage you really want when deciding upon your next insurance company. We recommend buying more than the minimum required by the state if you have the means. Often, no fault is the cheapest part of an insurance policy, it pays medical expenses and lost earnings, passengers in your car or persons hit by your car.

Often, A policy with one hundred thousand dollar no-fault coverage is adequate, but one hundred seventy five thousand dollar coverage is the norm. According to auto insurance department statistics, no fault coverage represents about one and a half percent of a policy with coverage at the suggested level for a thirty year old man.

Although it shouldn’t be too difficult for you to locate a car insurance that satisfies your needs, as mentioned in the title, there are some misconceptions.

If you search Google for the term "car insurance" you’ll find tons of information related to that keyword. Maybe that’s one of the reasons why choosing a good affordable car insurance could be so confusing at times - The information on the subject is just so overwhelming…

So you see, car insurances are complicated enough. Adding myths to the confusion won’t make things easier for you to take informed decisions.

This article will give you a better understanding of the basics of choosing a good car insurance company by debunking its myths first.

So here are some of the most common myths floating around:

Myth #1: The colour of your vehicle will affect your insurance rate

A recent online survey of 1,000 drivers conducted by Drive® Insurance from Progressive found out that 25 % believed that the colour of their car affects their auto insurance rate.

Wrong! It doesn’t matter at all weather your car is blue, red, black or golden.

Fact: Information that is used to calculate auto insurance rates includes the vehicle’s year, make, model, body type, engine size and as well information about the driver. Not the colour of your car

Myth #2 - A speeding ticket will increase my insurance rates

Nope, not necessarily. One speeding ticket probably won’t affect your insurance rate although that may vary according to which car insurance you choose.

But be caught by the police more than three times for speeding OR drive more than 50 km/h faster than the speed allowed and your insurance rate will go up for sure…

Myth #3 The accident wasn’t my fault! I won’t be charged …

Don’t take that statement for granted. Well, the police might have considered you not guilty. But it’s your insurance company that has the last word in your case. As long as their investigation does not confirm that it’s not your fault you better be prepared to loose some cash…

Myth #4: My friend caused an accident using my car! His insurance will pay for it..

No, certainly not true. Weather your friend caused the accident doesn’t matter, your rate will increase and the claim will show on your record just as though you had the accident.

Myth #5 No matter which auto insurance company I sign up with, my insurance rates won’t differ significantly!

This couldn’t be further from the truth. Auto insurance rates do vary from company to company. Every minute spent on researching affordable auto insurance companies can and will save you hard-earned money! Sometimes several hundred dollars.

Ok, now we have debunked the most common car insurance myths & misconceptions, was that all? By no means! There are many more myths floating around but the ones provided here belong to the most common myths and should be enough for you to know to take an informed decision. After all, this is why you are reading the article in the first place.

I’m sure you can find some valuable links on the web that will take you to affordable auto insurance companies and/or will provide you with a free auto insurance quote to get things going.

In our modern fast paced era, auto insurance is a necessary safeguard to ensure a trouble free relationship with your vehicle, and you must do your best to get a good auto insurance quote. It is extremely important that you grasp what is being insured and what are the conditions if any which exist in the auto insurance quote. However, you must be careful not to confuse an auto extended warranty with auto insurance, since the latter is basically nothing but a vehicle service contract.

Get the Maximum from an Auto Insurance Quote
If you are to get the full value from your auto insurance quote, you will have to understand the terms that are being offered, or else filing a claim when required becomes that much more difficult. There are a great number of insurance dealers who offer you auto insurance quote and other related issues in a very confusing manner. The prices and features that are offered from a broad number of insurance providers can be cross checked and a suitable price decided on when finalizing your auto insurance quote.

Online Auto Insurance Quotes
Auto insurance quotes can also be gleaned from a number of web sites that are related to affiliated issues. Some of the features that you can make use of are:

* Multiple insurance carriers present instant online auto insurance quotes.
* Compare and choose auto insurance quotes and policies
* Very simple forms have to be filled out for local agents to offer you multiple auto insurance quotes.

Time is of the essence and after the purchase of a new or second hand car you do not want to delay getting an auto insurance quote. You are at liberty to go to insurance companies which will almost immediately arrange three auto insurance quote either by telephone or email --- from a nationwide network of professionals dealing specifically with auto insurance quotes. Further, you are also at liberty to visit established sites like www.autoinsurancequoteranger.com to get a comprehensive range of auto insurance quotes. You then have the freedom to compare auto insurance quotes from over 110 companies and thus save up to 70% of your expenses online.

Promotional Auto Insurance Quotes
So far as auto insurance quotes are concerned, you will also have to remain extremely alert about the discounts offered or promotional offers of booklets and gifts. These are all gimmicks to beat competition of auto insurance quotes from other companies. For a good auto insurance quote approach a company that will not only understand your needs, but also provide you with services that are fast and easy. After you have accepted their auto insurance quote, the registration methods as well as the terms and conditions ought to be fairly simple – so that your time is not wasted.

After buying your auto insurance, one very important question to ask is – do you know what exactly your auto insurance quote covers and its limits and exclusions? This all must be clear before you accept an auto insurance quote. Thoroughly check out these points before finalizing the auto insurance quote of your choice ---

* liability coverage
* comprehensive insurance
* your duties after an accident.

Do you always need to buy auto insurance after purchasing a vehicle? The answer is absolutely in the affirmative. Auto insurance can in no way be regarded as a luxury; it is most definitely and without any doubts a necessity. So select your auto insurance quotes with care and wisdom.

In order to substantially trim your San Diego auto insurance costs here are some tips right at hand:

Shop Around for your Auto Insurance
The same policy can fluctuate to as much as 300% by different San Diego auto insurance companies. If you take the trouble to compare varying rates, you end up saving a substantial amount of money with your San Diego auto insurance. Check with your current San Diego auto insurance company – they are likely to be offering lower rates to new clients. You might find it possible to negotiate a new deal here.

Lower Your Mileage to Lower your San Diego Auto Insurance
You can cut down on what you pay for your San Diego auto insurance company if you drive an average of less than 40 miles a day. Suppose your deductibles are raised from $250 to $500, more than a hundred dollars is saved on the annual premium of your San Diego auto insurance.

Provide Proper Details for your Auto Insurance Policy
You will have to give correct information about annual commuting mileage, car safety features, your zip code and marital status to any San Diego auto insurance company. San Diego auto insurance companies, by default, tend to quote on the higher side. If you give as many details as possible, it ensures that you get each discount you qualify for.

Heighten Your Auto Insurance Deductibles
There is a lower insurance premium to be paid with higher deductibles as far as your San Diego auto insurance is concerned. But do keep provisions for increased finances so that the deductibles can be covered in case of an accident.

Anti-theft Devices Lower San Diego Auto Insurance Payments
If you install a tracking system or car alarm what you shell out for the San Diego auto insurance is reduced thanks to a discount. When an anti theft device is installed, the risk of theft markedly reduces. The savings that is thus made is passed on to you by most auto insurance companies. For a period of three years, most San Diego auto insurance companies offer a further reduction, if you can provide them with a defensive driving class certificate.

Change Drivers for a Lower San Diego Auto Insurance Premium
You can make a comparison of what most San Diego auto insurance companies offer for male and female drivers. If the male is insured on a mini van or the female is insured on a truck, it is likely that you will be offered a lower quote.

There is a constant search for worthwhile facilities and comparatively lower rates in Alameda auto insurance. However, you have to think seriously about selecting the right company – a wrong choice and you could end up in paying through your nose. When the question making a claim comes into focus, a cheaper insurance policy might not appear quite so attractive. Alameda auto insurance has a number of companies– you need to find out some more details about the company offering the most inexpensive and mouthwatering rates.

Cost Reduction in Alameda Auto Insurance
In Alameda auto insurance do not compromise on any important factor – here are some tips if you are looking for a cheaper car insurance or ways to reduce the cost of car insurance:

* Have a look at the other people offering insurance. Various companies in Alameda auto insurance offer discounts for multiple policies. Suppose you have been insured with a particular organization, find out details of the car insurance they provide. Get a quotation as well as the discounts that you can avail of.
* Be careful about how you drive. If your track record as regards speeding etc is not good – your payments in Alameda auto insurance will be proportionately higher. A fairly large amount of safe driver discounts are available in Alameda auto insurance.
* You may find that in Alameda auto insurance you are charged a higher rate for certain models of cars, which you might need to consider. If it’s a sports car or an auto that is more prone to theft, the insurance charges are that much higher. Before actually purchasing the car, reflect on the model and type – it could well be saving you a packet.
* When it is time to renew your Alameda auto insurance, examine the policy carefully instead of merely paying up. There are certain variables that can affect the cost. You might be paying for factors that are already covered by some other policy – eliminating these instantly cuts cost. Ask questions and examine critically before making any firm decision about your Alameda auto insurance.


Online Alameda Auto Insurance
There are fabulous resources that Alameda auto insurance companies offer online. There are any number of insurance discount brokers online where you can get quick quotes from a whole lot of companies for Alameda auto insurance. It is not necessary that you always use the same company. The policies of Alameda auto insurance change all the same – get comparative quotes before you come to any decision about your Alameda auto insurance.

For the best and the most affordable Alameda auto insurance, you need to have your questions answered and get tailor made solutions for your every need in the world of Alameda auto insurance. For the best and the most affordable Alameda auto insurance, you need to have your questions answered and get tailor made solutions for your every need in the world of Alameda auto insurance. One of the smartest move you can make is comparing rates quotes from multiple insurance companies.

In Anaheim, auto insurance is virtually mandatory at the time of purchasing a vehicle in California. However, what can you do if the processing of your Anaheim auto insurance policy takes a very long time? There is also the possibility that a non-Anaheim auto insurance company will not recognize your claim at all. So, your best option is to opt for an Anaheim auto insurance that is dependable, reliable and will never let you down at a moment of crisis.

Factors that make you decide on a quick and reliable Anaheim auto insurance are below.

Dependable Anaheim Auto Insurance
The primary factor to keep in mind at the outset is that your selected Anaheim auto insurance company should be dependable in every sense of the word. This company pays correct and fair claims within the shortest time that is feasible. You can easily verify this on the website of your state's department of insurance. Customers post in this web site all complaints with regard to all claims that have been filed annually about that particular Anaheim auto insurance company.

Select a Reliable Anaheim Auto Insurance Company
Any Anaheim auto insurance you select should be very highly graded by its customers. After all you might have put in a claim and rightly expect swift results. However a complaint does not necessarily mean that you have gone wrong in your choice. No matter what the company, there are bound to be complaints at some point or the other. So select an Anaheim auto insurance company has the least number of complaints and gives you the least reason to worry.

Financial Strength of the Anaheim Auto Insurance Company
In Anaheim auto insurance arena, Standard & Poor and the A.M. Best rate the financial strength of every insurance company in the United States. In Anaheim auto insurance companies should be economically on a very sound footing so that they have the capacity to immediately settle or pay for claims. So, a company that is financially strong means that you have made a wise choice in selecting it. You will also have to take into account the cost of the premium that Anaheim auto insurance policies demand. There is a wide choice of policies so it does not really matter whether or not you are on a tight budget.

Convenient Anaheim Auto Insurance
An important factor in choosing Anaheim auto insurance is the numerous accredited body shops. Reflect for a moment on how far they are from your residence. This minor factor of location becomes major when repairs have to be made. Besides, it is also important that these body shops have effective equipment as well as the expertise that will take care of any need that might arise. In view of all the facilities that are offered and the cost factors involved, select an Anaheim auto insurance company with wisdom and care.

In Los Angeles, auto insurance rates are spiraling upwards every year and you are paying highly for the security that is so essential in properly maintaining your vehicle. You also need to economize and tune up your budget as far as is sensibly possible. You can make use of a number of devices to substantially lower your Los Angeles auto insurance. Ultimately you might even find others asking you for suggestions!

Reducing your Los Angeles Auto Insurance Rates
So far as Los Angeles auto insurance is concerned, you can take an active role in bringing down the rates you are paying.

* Cut down on the mileage by completing all your errands at one go. If you have not driven as many miles, your rates for the Los Angeles auto insurance will not be as high.
* If you have front driver and front passenger airbags a good discount on the insurance premium is available. An anti-lock braking system also results in the lowering your Los Angeles auto insurance rates.
* Avoid speeding tickets and keep a control over the speed at which you drive and you might find Los Angeles auto insurance companies offering you better rates than they would have otherwise.
* If you take yourself in hand and make sure that you drive in a disciplined fashion, when it is time to renew your Los Angeles auto insurance, you just might be surprises at the cheap rates you will be offered.



Selecting the Right Los Angeles Auto Insurance Policy
Los Angeles auto insurance policies protects your vehicle, brings you peace of mind and is probably a major investment at the same time. There are widely varying quotes offered by different Los Angeles auto insurance companies. Thus the choice of a correct policy becomes a major issue to think about. Usually, so far as Los Angeles auto insurance is concerned, a constant rate per annum is charged to insure your vehicle and the rates vary in different states. If you are finding it difficult to get a premium at rates suggested by Los Angeles auto insurance companies, you must find out about the car insurance discounts that are available in Los Angeles. Los Angeles auto insurance companies quite frequently soften them by certain mishaps as per their own terms. There is a further deduction which lowers the rates and you, the owner of the auto benefit.

Reliable Los Angeles auto insurance companies take a major worry off your shoulders and assure you of a secure future for your vehicle in every single way that matters.

Getting Your Best Deal in Online Auto Insurance

Shopping for auto insurance online is the best way to find your insurance. Millions of people today are searching the web to find out the best auto insurance rates for them. When your auto insurance policy comes due, how do you know if you are getting the best quotes on your rates? You can call around to different insurance agencies, but that takes time and you have to do it during business hours and you probably can only get a few quotes. Online you can look at as many insurance rates as you want to.

There are very many insurance companies that now offer free online insurance quotes. You can find the kind of insurance you want, and then make changes to see how it affects the rate. Raise the deductible, lower the coverage, etc., until you find a rate that meets your needs and is within your budget. Then you can go onto the next site and do the same thing again and see if you can get that coverage at a lower rate. You can go on and on, and eventually you will find the lowest rates online for the coverage that you want.

Everyone has to have auto insurance. In some states, it is required by law, but even if your state does not require it, you should have it to protect yourself. But of course, we want to find the cheapest way to meet this need. Online shopping for auto insurance is the perfect solution. The coverage and service is exactly the same as you would get from the insurance company you have to walk into, but the rates are going to be much less. An added advantage is that you can manage your account right on the web. When you take all of these things into account, it is clear that when it comes to insurance, online is best.

Every California car insurance company works under the direction of California Department of Insurance [CDI]. The CDI regulates and audits the insurance business to ensure that the company run successfully and cater to the needs of the customers.

California car insurance companies provide the best, secured and reliable car insurance policies to the people of California. Every company grooms a team of experts and insurance professionals who help the customers in every step of acquiring car insurance policies. Californians can avail the services of each California car insurance company through 24/7 customer service. Moreover, the car insurances rates of these companies are reliable and quite competitive. These company professionals offer customer-friendly help and make complex things simple for all California car insurance customers.

How your insurance rates are set by the California car insurance company
The California car insurance company sets California car insurance rates by the behavior of the state’s drivers as a whole. The cost of insuring California car drivers includes settlements and legal fees, which the California car insurance company divides up between everyone. However, the percentage paid by the insurer (driver) depends on the driving record, age, type of car and place where the insurer lives. Some major California car insurance companies Following are some of the famous California car insurance companies that offer a variety of car insurance policies to the motorists of California: GMAC Insurance - It is the only company that offers you with the following criteria:

* Your vehicle is repaired with original equipment manufacturer parts, not aftermarket parts.
* You’ll be truly satisfied with the quality of your claims service.
* You are qualified for ample discount opportunities if you're a customer of certain GMAC companies.

21st Century Insurance - This California car insurance company offers personal automobile and motorcycle insurance in California. The company receives its business through referrals from current policyholders. The average annual renewal rate of existing policyholders is over 93%. New customers report average savings of $300 on car insurance. GEICO - GEICO is the 4th largest private-passenger car insurance company California. GEICO offers attractive car insurance and motorcycle insurance policies for Californians.

All California insurance auto companies are regulated by the California Department of Insurance. This ensures that each company will provide fair rates and quality customer care.

Santa Rosa California Car insurance companies continue to explore new and better methods to offer the best services to the people of Santa Rosa. The advance of modern technology - particularly in the area of the internet - helps the car insurance policy holders of Santa Rosa to access competitive quotes from the convenience of their home. Thus the car insurance customers of Santa Rosa California can save a lot of time, money and energy.

Car insurance rates and coverage in Santa Rosa California

The best of the car insurance companies in Santa Rosa California lets you compare various insurance policies and rates and select the best one. Just like other cities in California, you are provided with general insurance rates of 15/30/5. This means $15,000 for a single person, $30,000 for many people engaged in an accident and $5,000 for all cars damaged in an accident.
However, car insurance coverage in Santa Rosa California is famous for the following reasons:

* Provides you with vast network of insurance companies, agents and brokers.
* Provides you with simple quote request forms that take a few minutes to complete.


Tips to acquire the best car insurance policy in Santa Rosa

Follow the mentioned tips to get the best car insurance rates in Santa Rosa:

* Introduce safety devices like anti theft immobilizers, seat belts, air bags etc. to get better discounts than others.
* Drive less to get better insurance rates. Your insurance company charges you more if you drive lots. The less you drive the cheaper your premiums will be.

What does financial responsibility mean?
Like all other states, Arizona has financial responsibility laws which means that if you are involved in an accident you will be asked to present proof of your ability to cover the cost of damages caused up to a minimum amount. To comply with this law most drivers buy automobile liability insurance.
What type of automobile liability insurance am I required to have according Arizona Auto Insurance Law ?
Arizona Auto Insurance Law requires that you have Bodily Injury liability and Property Damage Liability
What are the minimum liability limits?
According to Arizona Auto Insurance Law, the minimum amount of liability coverage needed for personal injury is $15,000 person and $30,000 per accident.
The minimum amount of liability coverage needed for property damage is $10,000. This will usually appear on the policy in the form 15/30/10.
When will I be required to present proof of Insurance?
Within 30 days of registration. If you've had an accident you will be required to present proof of Insurance/financial responsibility at the time of the accident. Further, the State requires that you have proof of insurance at all times in your vehicle. In most cases a card issued by the insurer is sufficient.
Will my insurer required to verify the validity of my insurance policy?
Yes. According to Arizona Auto Insurance Law, if you've had an accident or you have been arrested, your insurance company will be required to verify that your policy is in good standing. Your insurance company must also inform the Arizona Department of Motor Vehicle if you cancel or fail to renew your policy. And according to Arizona computer data law, insurance companies are required to submit their entire list of policies in force, which the State may compare with registrations.
What are the penalties for non-compliance to the financial responsibility law?
A $250 fine.
What are the laws governing AZ liability insurance
Liability insurance in Arizona is based on the tort liability system. This means that if you were involved in an accident that is not your fault you and/or your passengers have the right to sue the party at fault for pain and suffering, and for other out-of-pocket expenses such as medical costs.

ARIZONA DUI/DRUNK DRIVING LAWS
What is the BAC (blood alcohol content) limit is the state of Arizona?
The BAC (blood alcohol content) limit for the state of Arizona is .08
Will I have my license revoked or suspended if my BAC is above 0.08?
According to Arizona Auto Insurance Law, yes. If you are pulled over by an officer and your BAC test result returns a reading above .08 you will face an on-the-spot driver's license revocation or suspension. Further, if you refuse to take the BAC test your license will still be revoked or suspended.
What is the implied consent law?
Like most states, Arizona has the implied consent law. This law is base on the premise that because you choose to drive on the streets and highways of the state, you have given your consent to submit to the BAC and or urine test to ascertain alcohol or drug levels.
What is the penalty for violating the implied consent law?
The mandatory penalty for violation of the implied consent law in Arizona is suspension or revocation of one's driving privilege.
Are preliminary breath tests permitted my law in Arizona?
According to Arizona Auto Insurance Law, yes. In states where it is permitted by law, sometimes an officer will do a preliminary breath test on-the-spot to confirm that you are actually under the influence. An alcosensor machine, a hand-held device, is often used. Although its results are not admissible in court, if the machine returns a positive reading, you may be taken to a police station the take the actual BAC test.
What is DUI Plea Bargain?
In a DUI plea bargain, the driver charged with DUI agrees to plea guilty to a lesser charge than one for which she could stand trial. When this happens, she receives a more lenient sentence, and/or have certain related charges dropped. The DUI plea bargain is prohibited in Arizona.
What is the open container law?
The open container law makes it illegal for the driver and passengers to have unsealed alcohol containers in an automobile passenger compartments.

ARIZONA SEAT-BELT LAWS
Are seat-belt laws enforced in the State of Arizona?
Yes. As of January 1, 1991, driver and all passengers are required to wear seat-belts in the State of Arizona.
Are seat-belt laws primary or secondary in Arizona?
Seat-belt laws in Arizona are NOT primary. Primary enforcement means that an officer may stop an automobile and issue a ticket for violation of the seat-belt law. Secondary enforcement means that the officer may issue a ticket for not using seat-belt if and only if the driver was stopped for some other violation.
What are the fines for noncompliance to seat-best laws in AZ?
$10

LAWS GOVERNING OLDER DRIVERS
Am I required to perform medical, knowledge, road, or vision retests when I renew my license?
Retesting for all drivers is usually required for vision, road retesting is only required under certain conditions. For example, if you've had too many accidents over a certain period of time.
Is my doctor required to report a physical condition that may affect my ability to drive safely?
NO
Is there an age limit on driver's license renewals
Yes. 70 years.

LAWS GOVERNING TEENAGE AND YOUNGER DRIVERS
Do teenage drivers require graduated licensing?
YES. All states have graduated licensing (a rigorous learning period before full driving privileges are granted) laws for drivers 15 to 18 years old.
For what period of time are teenagers required to maintain a learners permit?
For a minimum of six (6) months.
Are teens required to own an intermediate or provisional driver's license before they a granted full driving privileges?
No.
Do young drivers have certain restrictions on night driving?
No.
Can teenage drivers carry the maximum number of passengers allowed in a vehicle?
Yes.
OK. What about BAC (blood alcohol content) level? Are there restrictions on that too?
I hate to be the bearer of bad news, but the answer is yes. Although the BAC level for other drivers is 0.08, Arizona drivers under the age of 21 years with a BAC level greater that 0 (yes zero) could be charged with DUI.

Before getting an auto insurance quote online, it helps to have your "ducks in a row." Here are some tips to make it even easier to find savings on car insurance.

You've probably heard that one of the best ways to save money on car insurance is to get comparison quotes from different auto insurance companies. Now that's easier than ever with the availability of online auto insurance quotes.

However, you want to make sure that you are comparing the same features and coverages between companies in order to get a true comparison. This is because different coverages can change the cost of your policy. In order to do this, it helps to get some information ready:

If you already have car insurance and are looking for a better deal, get out your current policy so you know what limits of liability, deductibles and other coverages you have. Most online auto insurance quote forms ask for this information.

If you are looking for coverage on a newly purchased car, or haven't had coverage lately, jot down the limits of liability and deductibles you think you would like. You can always change this later. Check out your state's insurance department Web site to find out the minimum limits of liability required.

Other information you will want on hand is your driver's license number, and the year, make and model of the car you're insuring. You should also be aware of any features that your vehicle has that could save you money on your insurance, such as Anti-lock Brakes (ABS), alarms and air bags.

Then make sure you get at least three different quotes for a good comparison. Write down the quotes and any other notes you have about what each company offers.

Young drivers have one hurdle in the world of car insurance they won’t be able to jump until they’re older – that hurdle is called “age.” Car insurance companies are known to give younger drivers higher premiums because younger drivers, as a whole, aren’t as experienced at driving as are older drivers. Young drivers are considered a risk to insure.

Nevertheless, young drivers, like all drivers, need car insurance in order to legally drive. Ideally, young drivers would like to obtain cheap car insurance. Perhaps the easiest way for a young driver to obtain cheap car insurance is to be added to, or remain on, his parents’ car insurance policy.

Check out these tips about adding your young driver to your current car insurance policy:

• Your premiums might increase, but you may also get a discount for having multi-drivers on your policy.

• If your young driver has his own car, you may get another discount for having multi-vehicles on your policy.

• If your young driver has taken and successfully completed a driver education course, your current car insurance company will most likely offer a discount; if he hasn’t taken one, get him enrolled. They may also offer a “good student” discount depending on his grades.

• Use this as a learning tool for young driver – lesson: responsibility. Encourage your young driver to get a job to pay for his portion of the car insurance premium. If circumstances won’t allow him to work, make him a list of chores to do around the house to “pay off” his part of the bill. Not only will he be learning the value of a dollar, but you’ll be getting some extra help, too!

Keeping your young driver on your car insurance policy will help him get cheap car insurance as well as learn responsibility. It will help you get discounts, as well as your car washed once a week – for free!

It is important to shop for cheap car insurance in New Jersey whenever you rent a car. If you rent a car in New Jersey, the car is not yours; it is only in your possession for a certain period of time. That means you can not put off repairing damages to the car until you can afford it. Rental car insurance is important.

One way to get cheap car insurance for rental cars in New Jersey is to pay the car rental agency’s collision damage waiver (CDW), loss damage waiver (LDW), liability insurance supplement (LIS), personal accident insurance (PAI), and personal effects coverage (PEC). These types of rental car insurance which will protect the rental car, your personal belongings, your person, and your bank account against damages acquired while the rental car is in your possession.

Yet, depending on how long you have the rental car, these insurance coverages can add up on your final bill, turning cheap car insurance to expensive car insurance. Therefore, you should check into other ways of obtaining cheap car insurance in New Jersey for your rental car.

If you already have car insurance for the vehicle you own, it may or may not cover rental cars – ask. If you do not own a vehicle, and therefore do not have a car insurance policy, you should look into temporary car insurance policies for rental cars in New Jersey. Yet, some car insurance policies do cover rental cars, or allow you to choose the option of insuring rental cars. You may even be able to choose that option for the specified amount of time you will have the New Jersey rental car.

Another option for obtaining cheap car insurance in New Jersey for your rental car is to use your credit card to pay for the rental. Many credit card companies offer these kinds of insurance services for special purchases such as renting a car.

To get free quotes and learn more about insurance please visit the following recommended sites.

Ideally, you could get the cheapest car insurance you want. In reality, there are actually steps you can take to get the cheap car insurance you want.

What exactly makes car insurance cheap?

Many factors are used to determine the price of your car insurance in NJ. Such factors include the number of years you’ve been driving; the age, model, and make of your car; your driving record; your location; the safety components and anti-theft devices on your car; and the car insurance company from which you purchase your car insurance policy.

Many times, drivers and vehicle owners can get cheap car insurance in NJ if they’re experienced drivers with minimal or zero incidents on their driving records. Those drivers and vehicle owners who have, or who install, additional safety features such as anti-lock brakes, automatic safety belts, and child proof locks usually get cheap car insurance rates, too.

If your driving record is less than perfect, now’s the time to begin working on it. Contact your motor vehicle department and ask about driving classes you may be able to take to lessen the points on your record. And, of course, practice safer driving to avoid obtaining more points.

I own a car, but don’t have a garage – will this affect my insurance rates in New Jersey?

Maybe. Maybe not. If you can rent garage space close to your home, that would definitely help your car insurance company see that you’re taking the necessary steps to protect your car. You should also consider using an anti-theft device, as well as parking your car in a well-lit area – even if it’s not a garage.

What does NJ have to say about getting cheap car insurance in NJ?

Lots. The New Jersey Department of Banking and Insurance dedicates and entire section of their Web site to insurance consumers – including car insurance consumers. Contact them or visit their Web site for more information.

How cheap your car insurance in NYC, or any other location, is depends on many factors: your driving record, your age, and sometimes even your gender! But don’t despair – you can get cheap car insurance in NYC.

Is there anything actually “cheap” in NYC?

Yes, despite the high-priced apartments and strings of expensive clothing boutiques, there is cheap merchandise in NYC – and we’re not talking about the fake Rolex watches being sold by the guy on the corner. Believe it or not, you can find cheap car insurance in NYC, too – a much more valuable investment.

What if I already have a car insurance policy here in NYC?

Good for you! But chances are you could probably find a cheaper car insurance policy than the one you already have, or figure out a way to make your current car insurance policy less expensive.

Car insurance companies tend to offer cheaper car insurance premiums to those drivers and vehicle owners who take steps to make their cars as safe as possible. This means having anti-lock brakes, child proof locks, air bags for all passengers, and automatic safety belts. Parking your car in a well-lit area, or a garage, when its not in use also makes your car safer, as does adding an anti-theft device.

If your car doesn’t currently have any of these features, add them! Then talk with your NYC car insurance agent about lowering your premiums.

Who should I talk to about getting cheap car insurance in NYC?

Give the New York State Department of Insurance a call, or visit their Web site. The NYS Department of Insurance will help you understand Department of Motor Vehicle insurance codes and provide you with company contact. They will also provide you with information regarding the insurance No Fault Regulation. These are good pieces of information to know when you search New York’s data base of car insurance providers in the NYC.

When done properly, buying a used car is economically responsible. If you are buying a used car in Texas, you undoubtedly want cheap car insurance in Texas. To get affordable car insurance for your “new” used car, start from the beginning.

Pay for the car upfront. Many people choose not to purchase brand new cars because auto insurance for new cars is notoriously more expensive than auto insurance for pre-owned cars. There are several reasons why car insurance is more expensive for new cars, and one of those reasons is that new cars usually have to be financed. When you finance a car, the finance company or lender most often requires you to purchase full coverage car insurance, which is more expensive than liability car insurance. By saving your money until you can afford to pay for your used car completely upfront, you will not need a financer or lender, and you will be able to purchase whatever amount of car insurance you want, as long as it meets the legal requirements in Texas.

Bring an automotive whiz with you. It is aggravating to search for and finally purchase your dream pre-owned vehicle, only to get home and find out there are many necessary repairs to be made. When you shop for your car, bring along someone knowledgeable about auto mechanics. Let him or her test drive the vehicle with you, take a look under the hood, and do any other inspection of the car. If your car insurance company knows that everything is working properly, you are more likely to get cheap car insurance in Texas.

Look for safety features. Safety features come with used cars just as they do new cars, so you want to look at cars with additional safety features, too. Anti-theft alarms, anti-lock brakes, child proof locks, and air bags are all excellent safety features to have and are impressive to your car insurance company.

According to statistics, female drivers on average do things a bit differently than male drivers, such as:

• Drive safer cars
• Drive less expensive cars
• Drive cars modest in appearance
• Receive fewer traffic citations
• File fewer car insurance claims

These are the reasons females tend to get cheap car insurance. This is not to say all females drive safer cars than males, or that all males receive more traffic citations than females. These are just statistics; however, they are statistics many car insurance companies take into consideration when offering a car insurance policy to a potential customer. Therefore, females usually get cheap car insurance policies, while males tend to pay more for their policies.

All hope of getting cheap car insurance for males is not lost. Males simply need to take these statistics into consideration and make any necessary changes by,

• Purchasing a safer car, you are less likely to injure yourself, your passengers, other drivers, and pedestrians in the event of an accident.

• Purchasing a less expensive car, you are less likely to pay expensive repair costs.

• Purchasing a car modest in appearance, your car is less likely to be stolen or burglarized.

• Paying closer attention to your driving habits and the rules of the roads, you are less likely to get as many traffic citations, and less likely to be in any accidents that would involve filing an insurance claim.

According to statistics, these may not be normal car shopping and driving behaviors for male drivers, so if you are a male driver who has made these changes, or already follows these kinds of car shopping and driving behaviors, make sure to let your car insurance company know. You could be missing out on cheap car insurance simply you have added to your car.

Remember, just because you aren’t a female does not mean you can’t get cheap car insurance.

There are many flashy and expensive cars in Miami, Florida, and if your car is one of them, you might have some difficulty finding cheap Miami car insurance; however, it is important to tell yourself that difficult is not the equivalent of impossible.

Although Miami is considered a high-crime area by many, your car does not have to fall victim to crime – namely, theft. Many expensive cars are victims of theft, and car insurance companies are aware of this. If purchasing a new, less expensive, and more modest vehicle is not on your list of options, try the following tips to help yourself get cheap Miami car insurance.

Add safety features. If you did not purchase a car with safety features, such as an anti-theft alarm system, add the safety features yourself. Remember, safety features can go beyond just protecting your car against theft; you can also add anti-lock brakes, air bags, and child proof door locks to help protect yourself, your passengers, and other drivers and pedestrians, too. If you are not sure how to proceed, contact your car dealer or auto mechanic.

Park in a locked garage or well-lit, security-protected parking area. Your car is more likely to be stolen at night or during times when you are not close by. Parking your car on the street while it is not in use puts it at risk for theft. If you do not have access to a garage, consider purchasing parking space.

Contact your local Florida Department of Motor Vehicles office and/or law enforcement agency. Participate in any programs your area may have in effect to protect your car against theft. Many towns, cities, and states across America host programs designed to help drivers protect their cars from being stolen. Your local DMV office or law enforcement agency should have information about such programs, as well as additional tips for keeping your car safe and reacting to theft.

Collision Auto Insurance
Collision auto insurance covers your vehicle for damages that may result from an accident. Consider a situation in which you were exiting your driveway. Although you looked both ways, you failed to see the oncoming 2005 BMW M3. You hit that car causing damage to that vehicle and yours. Who will pay to fixed your car? Suing the other driver is not an option since the accident was your fault. Without collision coverage you would not receive payment to fix your car.

Collision auto insurance coverage is not limited to colliding with other vehicles. If your vehicle sustains damage while parked in a parking lot or if your are side swiped, the damage will also be covered under collision coverage. Your should be able to claim the damage to your vehicle under the property damage liability coverage of the other driver. But if not, you can claim the damage under the collision coverage on your own policy

Comprehensive Car Insurance
Comprehensive Car Insurance provides Coverage that covers your vehicle for losses resulting from such events as fire, theft, vandalism, wind, hail, explosion, and so on.

If you are like most people, you are searching for ways to save on auto Insurance. When you are about to buy a big ticker item such as a home or a car, you probably go to two or three different places before you are confident that you are getting the best deal. When it comes to car insurance there should no exception. Comparing rates with an online quoting service can save you a tone of money.

No fault insurance applies to state in which an insurance company will pay for minor injuries resulting from an accident regardless of who is at fault. It also means that policyholders can only sue it their case meet certain conditions.

Florida no fault insurance is intended to reduce the cost of auto insurance by taking small claims out of court. Several industries, particularly the insurance industry favors this system because it lowers legal fees which account for up to 15 percent of the cost of auto insurance.

In states that use the no fault insurance system of auto insurance, each insurer pays its own policyholders for minor injuries regardless of who was at fault in the accident.

Suppose Meg was driving to a rock concert with her roommate, her car was struck by another auto. The driver who hit did not have liability auto insurance. If Meg lives in a no fault state such as Florida, Michigan or New York, her policy will allow her to collect from her own insurer, even though the accident was not her fault. What is more, Meg's roommate would also be covered under the no fault system if she sustained injuries.

Meg receives first party benefits which are mandatory coverage and vary from state to state under the no fault system. If Meg lives in a state that offers the most comprehensive benefits, she would also be paid for medical expenses, time off work, funeral costs (if the accident was fatal), and whatever other expenses she may have incurred.

The following states use the "true" no fault insurance system of auto insurance:

* Florida
* Hawaii
* Kansas
* Kentucky
* Massachusetts
* Michigan
* Minnesota
* New Jersey
* New York
* North Dakota
* Pennsylvania
* Utah
* Puerto Rico

Choice No Fault

Choice no fault means the a person buying auto insurance can choose between the traditional tort liability auto insurance and no-fault insurance. Kentucky, New Jersey, and Pennsylvania use the choice no fault system.

Add-On

Policyholders in add-on states receives reimbursement for their losses from their own insurance company, but they are also allowed to sue the other policyholder at fault in the accident without restrictions. However the "first party" benefits a policyholder receives from her own no fault insurance company are not mandatory and the benefits may be lower that in the "true" no fault states.

Add-On States

* Arkansas
* Delaware
* D.C.
* Maryland
* New Hampshire
* Oregon
* South Dakota
* Texas
* Virginia
* Washington
* Wisconsin

Oregon financial responsibility law dictates that if you are involved in an accident you will be asked to present proof of ability to cover the cost of damages caused up to a minimum amount. For this reason most drivers buy automobile liability insurance.
What type of automobile liability insurance am I required to have in the state of Oregon?
According to Oregon auto insurance law, you are required to have Bodily Injury Liability, Property damage liability, Personal Injury Protection and Uninsured Motorist Insurance.
What are the minimum liability limits in Oregon?
According to Oregon auto insurance law, the minimum amount of liability coverage needed for personal injury is $25,000 person and $50,000 per accident.
The minimum amount of liability coverage needed for property damage is $10,000. This will usually appear on the policy in the form 25/50/10.

When will I be required to present proof of Insurance?
You will be required to present proof of insurance at time of the accident. In most cases a card issued by the insurer is sufficient.
Will my insurer required to verify the validity of my insurance policy?
Yes. Your insurance company is required to inform the Department of Motor Vehicles if you cancel or fail to renew your auto insurance policy. What is more, insurers in Oregon are required to verify automobile insurance policies selected at random.
What are the penalties for non-compliance to Oregon auto insurance law?
Driver's license suspension and/or revocation, although not mandatory for first time offenders.

OREGON AUTO INSURANCE LAW AND LIABILITY INSURANCE
What are the laws governing Oregon liability insurance
Liability insurance in Oregon is based on the no-fault system. This means that if you were involved in an accident, you will receive payment from your own insurance company regardless of who was at fault in the accident. But Oregon is also an "Add-On" State, which means that in addition to receiving benefits from your own insurer, you also have the right to sue the party at fault for pain and suffering and for other out-of-pocket expenses such as medical costs.

Oregon AUTO INSURANCE AND SEAT-BELT LAWS
Are seat-belt laws enforced in the State of Oregon?
Yes. Since December 7, 1990, driver and passengers are required to wear seat-belts in the State of Oregon.
Are seat-belt laws primary or secondary in Oregon?
Seat-belt laws in Oregon are primary. Primary enforcement means that an officer may stop an automobile and issue a ticket for violation of the seat-belt law. Secondary enforcement means that the officer may issue a ticket for not using seat-belt if and only if the driver was stopped for some other violation.
What are the fines for noncompliance to seat-best laws in Oregon?
a $75 fine. Oregon AUTO INSURANCE AND DUI/DRUNK DRIVING LAWS
What is the BAC (blood alcohol content) limit is the state of Oregon?
The BAC (blood alcohol content) limit for the state of Oregon is .08
Will I have my license revoked or suspended if my BAC is above 0.08?
Yes. If you are pulled over by an officer and your BAC test result returns a reading above .08 you will face an on-the-spot driver's license revocation or suspension. Further, if you refuse to take the BAC test your license will still be revoked or suspended.
What is the implied consent law?
Most states have the implied consent law. This law is base on the premise that because you choose to drive on the streets and highways of the state, you have given your consent to submit to the BAC and or urine test to ascertain alcohol or drug levels.
What is the penalty for violating the implied consent law In Oregon?
The mandatory penalty for violation of the implied consent law in Oregon is suspension or revocation of one's driving privilege.
Are preliminary breath tests permitted my law in Oregon?
No In states where it is permitted by law, sometimes an officer will do a preliminary breath test on-the-spot to confirm that you are actually under the influence. An alcosensor machine, a hand-held device, is often used. Although its results are not admissible in court, if the machine returns a positive reading, you may be taken to a police station the take the actual BAC test.
What is DUI Plea Bargain?
In a DUI plea bargain, the driver charged with DUI agrees to plea guilty to a lesser charge than one for which she could stand trial. When this happens, she receives a more lenient sentence, and/or have certain related charges dropped. DUI plea bargain is prohibited in Oregon.
What is the open container law?
The open container law in Oregon makes it illegal for all occupants to have unsealed alcohol containers in automobile passenger compartments.

OREGON AUTO INSURANCE LAW AND OLDER DRIVERS
Am I required to perform medical, knowledge, road, or vision tests when I renew my license?
No.
Is my doctor required to report a physical condition that may affect my ability to drive safely?
Yes.
Is there an age limit on driver's license renewals
NO

Oregon AUTO INSURANCE LAW AND TEENAGE AND YOUNGER DRIVERS
Do teenage drivers require graduated licensing?
YES. All states have graduated licensing (a rigorous learning period before full driving privileges are granted) laws for drivers 15 to 18 years old.
For what period of time are teenagers required to maintain a learners permit? For a minimum of six (6) months.
Are teens required to own an intermediate or provisional driver's license before they a granted full driving privileges?
Yes.

Do young drivers have certain restrictions on night driving?
Yes, except for conditions relating to emergencies, school, and/or work.
Can teenage drivers carry the maximum number of passengers allowed in a vehicle?
No.
What about BAC (blood alcohol content) level? Are there restrictions on that too?
I hate to be the bearer of bad news, but the answer is yes. Although the BAC level for other drivers is 0.08, drivers under the age of 21 years with a BAC level greater than 0 could be charged with Driving Under the Influence!

It is common belief among most car insurance policy holders that in the event of a claim, they will make big profits from the compensation they receive from insurers. Nothing can be further from the truth.

Insurance is not about the policyholder making money from their misfortune and it is important to appreciate the fact that if your old car is completely wrecked in an accident, it is wishful thinking to expect the insurance company to replace it with a brand new car. Once you understand this, it will save you lots of heartache and disappointment in the event of a crash.

In spite of faithfully paying your premiums, if your vehicle is badly wrecked in an accident, the insurer has to consider the issue of betterment and depreciation or the wear and tear of the car since it was first insured. In reality this means you will have to top up the difference to get back the car you had when you first insured, let alone a brand new one.

Insurance is about protection and not profit, a fact many policyholders fail to appreciate yet it is the basic insurance principal not only for cars but everything that has to be insured.

The general idea here is to try and make things the way they were before the accident and not to enable you make a killing after an accident. If that was the case, The temptation to cause an accident for the sake of making a profit would just be too great.

It is therefore totally unrealistic for you to expect an insurance company to replace your five-year-old jalopy with a new one in the event of a serious accident, that's not what car insurance is all about.

Discussion forums are a good way of avoiding car insurance trouble or nasty car insurance surprises on the day you make a claim. And we have the World Wide Web revolution to thank for this.

These discussion forums are places on the web where you can participate and learn a great deal by asking questions, leaving comments about your experiences or even giving your own experience, which is bound to benefit others. This is also a wonderful place for experts to show off their expertise and in the process get to be known by potential future clients. So everybody is happy while you get world-class consultancy services for free.

Frequent visitors to these forums will end up getting advice from numerous experts as well as reading dozens of different practical experiences from others. This is important since car insurance is one of those fields where a lot of things can go wrong and do go wrong. Let alone the numerous potential dangers that come with online car insurance shopping. The home truth is that online shopping for insurance is on the increase, which is due to its convenience. However for you to benefit, you need lots of information.

Forums will help you identify the dangers and pitfalls in the car insurance market and also assist you in making an informed decision when looking out for the ideal car insurance package for you and your particular needs.

Most people do not understand what discussion forums are let alone what they have to do with car insurance, but again one just has to appreciate them and it will totally change their outlook towards the car insurance business as a whole.

In a world where everybody is looking for the best bargains, buying your car insurance online will always make lots of sense and cents and you are bound to find it easier to save a lot of money on your car insurance premiums.

In the offline days, it would take a lot of time and money shuttling around from one insurer to the other but in this wonderful online age, it is easy to get lots of quotations quickly which in itself saves lots of money for most people as it makes it easier to find the most cost effective quotation possible.

Online distribution of products and services is the in thing today and the car insurance business is no exception as this cuts down the cost dramatically with most insurers only too happy to transfer these savings to their clients which in turn enables them to sell even more at reduced rates. There are few traditional industries that have had as high middlemen costs as the insurance field has. In many instances over 50 per cent of the premium paid for insurance offline usually goes to middlemen commissions. This gives you an idea of the kind of savings that can accrue online.

Information is power and armed with plenty of it, and easily available expert advice, it is impossible to make costly mistakes when it comes to selecting the ideal car insurance cover.

In the offline days because of the hard work required to shop for insurance quotes, the tendency was to go for all insurance needs under one roof. Though this could be an advantage in some cases in that you will probably get a discount, more often than not the truth is that more often than not, you are bound to get the best deal from the specialist. The World Wide Web has made it very easy to shop for separate specialist insurers enabling people get the best deal possible for their car insurance.

There are obvious and simple ways in which substantial amounts can be saved on your car insurance. Here are a few you can implement immediately.

To start with, you will have to raise your deductible. Many people strive to lower the deductible so that when they make a claim, they will pay as little as possible from their pocket. Deductible is the amount paid when you make a claim and before the insurance company pays. When you raise the deductible, you will save on your car insurance premiums every year. Admittedly, in case you have to make a claim, you will pay out a higher amount to your insurance company before your claim is settled. It should however be noted that claims are not made every year and even if you have to make a claim five or six years down the line, after saving money by raising your deductible for a number of years, you will still be miles ahead.

Secondly, if you are driving an older car, you can save a lot on your vehicle insurance by dropping your collision and comprehensive insurance cover. The golden rule here is to start by determining the value of your car.

In most cases, the money paid for deductibles added to the insurance may not be more than the value of the car so avoiding comprehensive coverage altogether and dropping the collision insurance component could make a lot of sense in this case and save you lots of cash.

Buying a low profile car, which is not attractive to thieves, is another way of saving money on your car insurance. Vehicles that are known to be popular with thieves will not only cost you more in car insurance but will also place your family at risk.

Could you have overlooked a few things that could dramatically cut down on your car insurance premiums? Could there be a thing or two that you've missed?

Did you know for instance that driving less than a certain number of miles or kilometers every year could get you a discount on premiums from some insurance companies? This is popularly known as low mileage or distance discount rating. Have you ever heard of something like this? Sometimes this discount can be pegged on certain distances driven to and from work. Ask your insurance company if they have such an arrangement.

Many people do not take car insurance into consideration when they move yet it is important that they do. The right neighborhood (in the eyes of the car insurance company) can save you plenty of cash on your premiums.

Another thing that most people do not know is that two different models from the same manufacturer can be rated differently which could make a difference in the amount of car insurance premium to be paid. In fact even the difference between two and four doors in the same car model can affect your premiums considerably.

There are quite a number of small details which are frequently overlooked or ignored yet they can make all the difference when it comes to the cost of insurance premiums and one should critically study an auto insurance package before opting to go for it.

The golden rule when seeking car insurance cover should be are you doing all that you can do to keep your car insurance costs down? Could there be some things that you have not considered that could save you even a couple of dollars?

For those who regularly renew their car insurances annually, chances are that they have on many occasions left money on the table by simply being unaware of certain discounts. Or by not asking their brokers whether they are available little known discounts that they do not know about but which they may qualify for. That simple question can open the doors to substantial savings.

The home truth is that there are in fact plenty of discounts which most car insurance companies offer that very few people seem to be aware of. And again the vagaries of modern living have made many people have impatient tendencies even when transacting important business.

A fine example is the multi-policy discount which is the reduced rate given to drivers who also have other kinds of insurance with the same company. They could have for instance insured their homes or property.

There are also other less obvious but substantial car insurance discounts like the one given for insuring multiple vehicles. It is common sense to put all your business with one company rather than try to spread the risk with many different insurance companies, as you will qualify for a major discount in premiums. Admittedly it can be quite a challenge finding one insurance company that can give you a good deal for all your insurance needs and you are more likely to get a better deal from a specialist. However finding a single perfect-for-most-of-your-needs-insurer is not impossible. It will just take a lot of work and patience on your side.

Other discounts available are for instance, age, abstainers from alcohol, drivers' education, anti theft devices and distance to college car insurance discounts (which usually applies to students) among others.

Driving a sports car, especially a convertible is a big fantasy for most people. The sound of a powerful engine, the wind blowing in your hair, the ease of driving an exceptional machine, it's all sensations that makes them feel it is worth the price.

Unfortunately all too often once someone decides to spoil themselves with that dream machine, they learn too late about the cost of sports car insurance and the hunt for cheaper sports car insurance is on.

Here are a few points to keep in mind when searching for that cheaper policy:

- Use the internet for to get insurance rates and quotes. You can often find cheaper car insurance rates online with a little research. Some insurance companies might offer special deals or discounts, most insurance websites will give you free quotes and some websites will even offer comparisons of different policies along with the estimated cost.

Having the ability to see the different insurance policies offered and their costs side by side will give you the opportunity to select the best one for you in a low pressure environment.

- The factors that are used to determine the cost of the car insurance policy include the area where you will use your car most. If you live in an area with high crime rates, it will cost you more, because sports cars make such attractive targets for thieves. The cost of repairs is also often higher than average on sports cars.

Features that will bring the cost of insurance down include the safety features that are installed in the car, such as a car alarm, a stereo with a detachable face plate, steering wheel lock and other safety features.

Another cost factor is how many people need to be covered by the insurance policy, especially if there are younger people on the policy.

The secret to finding a less expensive sport car insurance policy is in the research you do to compare insurance companies and looking for special deals for your circumstances. With your cheap sports car insurance policy in your pocket, you can truly enjoy the exhilaration of driving your dream machine.

Most owners of the SUVs find it astonishing that the cost between one and another are quite different and one person will cough out more in premiums than the other.

What they do not know is that a lot of factors come to play like the persons age, sex and where he resides and whether you drive your car on weekdays or weekends will also determine the insurance that you will pay.

It is common knowledge that SUVs are considered high risk and insurers are more sensitive when insuring it than they would be with another ordinary vehicle for various reasons including the fact that when you reverse a SUV your view is more limited than from a small vehicle .

For example there have been many cases where people have reversed over small children that they cannot see and make matters worse, when you hit somebody while driving this kind of a car, the injuries tend to be more serious because the point of contact is much higher and closer to the bodys vital organs like the heart and the head.

It is usually adviced to shop around for as many insurance quotations you can get prior to insuring any vehicle but with the SUV it is more crucial to make it thorough as the quotation differences will be substantial by any standards.

The insurers own experience and statistics with a certain vehicle will determine the insurance cost and it makes a lot of sense and cents to shop around and get plenty of insurance quotes from many different insurers before you choose whom you want to do business with.

Getting into a car accident is an overwhelming time, and filing Chicago auto insurance claims doesn't have to be a complicated process if you know what to do before an accident occurs. Waiting for an accident to happen before learning how to file a Chicago auto insurance claim is never a good idea, since you're worked up from the accident. Take a few moments to familiarize yourself with the process of filing a claim, and if the unfortunate occurs and you are in an accident, you will already know how to go about filing a claim.

There are two types of claims people make; one involves damage to your vehicle , and the other involves injury to people or their property. If you hit a mailbox with your vehicle, you would file a Chicago auto insurance liability claim. If your vehicle is damaged in an accident, you would file a Chicago auto insurance collision claim. If you have cheap auto insurance, it's possible that you don't have full coverage for collision in which case the cost of damages made to your vehicle will not be covered by your auto policy. In your vehicle, you should keep your Chicago auto insurance agent's contact information. This allows you to call them at the scene of the accident for immediate advice and to get started filing the claim.

After you report a claim to your Chicago auto insurance agent, often a claim's adjuster will be called to assess the damage. They will often provide you with an estimate of damage, but keep in mind you can sometimes prove that the amount the adjuster provided is too low by obtaining further analysis by several mechanics if you feel the adjuster reported an amount that is too low to have your vehicle repaired.

After the accident, you might be required to provide further information to support your Chicago auto insurance claim. A medical report, police report, and auto repair receipts are often required as proof of the claim.

If you pay very cheap auto insurance rates, it's possible that you'll have very high deductibles. Deductibles are the amounts you'll have to pay before your Chicago auto insurance policy will pay any money towards your expenses. It works similar to a medical insurance deductible; if your deductible is $500, and your total losses are $1500, than your insurance company will pay $1000 and you will pay your deductible of $500.

When shopping for an Arizona car insurance quote online, keep in mind the state requirements for auto insurance. Here are some things you should know.

The state of Arizona requires that before you can register a vehicle, you show some proof of financial responsibility in case of liability. Usually this means getting an auto insurance policy, but it can be a bond, or a certificate of deposit or cash for at least $40,000.

Arizona, like most states, also has minimum required coverages for Bodily Injury and Property Damage on your auto insurance policy. They are:

Bodily Injury. This is to pay for injury to other people besides you who are hurt in an accident that you are legally responsible for: Minimum of $15,000 per person and $30,000 per accident. You would need Medical coverage to pay for injuries to yourself.

Property Damage. This is to pay for damage to vehicles or other property that were damaged by you in a collision. Minimum of $10,000 per accident. This does not cover damage to your vehicle. You would need Collision coverage for that.

Keep in mind that these are the minimums required by state law. You still could be financially liable for any costs above those minimum amounts, so you may want to consider raising the limits on Bodily Injury and Property Damage.

When you shop for Arizona auto insurance quotes, it's good to have this information ready. Since auto insurance costs vary from company to company, you should always get at least three different quotes. By using the same information for each quote, you can get a more accurate comparison.

New York requires that before you can register a vehicle and get license plates, you need to purchase auto insurance or show proof of financial responsibility covering the minimum coverages as required by law.

The state of New York requires, at the minimum, that you have coverages for No Fault (Personal Injury Protection), Uninsured Motorists and Liability.

No Fault (Personal Injury Protection). This is to pay for injury and lost wages for a driver, a passenger or a pedestrian hurt by your car: Up to $50,000.

Uninsured Motorists. Pays for injury to an occupant in your car who is injured by a hit-and-run motorist or uninsured motorist: Minimum of $10,000.

Liability. This protects you if your car injures or kills another person or damages property and a claim is made against you for being at fault. This also provides for legal defense coverage: Minimum $25,000 for bodily injury not resulting in death and $50,000 for injury resulting in death, sustained by any one person in any one accident. Also it's required to have $50,000 for bodily injury not resulting in death and $100,000 for injury resulting in death for two or more persons in any one accident.

Keep in mind that these are the minimums required by New York state law. You still could be financially liable for any costs above those minimum amounts, so you may want to consider raising the limits on these coverages.

When you shop for New York auto insurance quotes, it's good to have this information ready. Since auto insurance costs vary from company to company, you should always get at least three different quotes. By using the same information for each quote, you can get a more accurate comparison.

When shopping for a California car insurance quote online, keep in mind the state requirements for auto insurance. Here are some things you should know.

California has a Compulsory Financial Responsibility Law which requires that every driver and owner of a vehicle be financially responsible for their actions. This includes having proper auto insurance, a bond or a cash deposit with the Department of Motor Vehicles in the amount of $35,000.

The state of California requires, at the minimum, that you have coverages for Bodily Injury and Property Damage. The penalties are severe if you are not in compliance.

Bodily Injury. This is to pay for injury or death to other people besides you who are hurt in an accident that you are legally responsible for: Minimum of $15,000 per person and $30,000 if two or more persons are injured per accident.

Property Damage. This is to pay for damage to vehicles or other property that were damaged by you in a collision. Minimum of $5,000 per accident. .

Keep in mind that these are the minimums required by California state law. You still could be financially liable for any costs above those minimum amounts, so you may want to consider raising the limits on these coverages.

When you shop for California car insurance quotes, it's good to have this information ready. Since auto insurance costs vary from company to company, you should always get at least three different quotes. By using the same information for each quote, you can get a more accurate comparison.