Thursday, May 7, 2009

What is the Average Price of Auto Insurance?

What is the Average Price of Auto Insurance?

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

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

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

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

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

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

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

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

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

Ian Wright can help you save money on insurance BUT you have to visit: online car insurance quote or

Wednesday, May 6, 2009

Exploring the Most Expensive Vehicles to Cover With Car Insurance

Exploring the Most Expensive Vehicles to Cover With Car Insurance

Are you getting ready to purchase a new vehicle? If so, you might want to seriously consider how much it is going to cost you to insure that dream machine before you make a purchase. Even if the sticker price at the dealership isn't enough to scare you away from the vehicle you have been eying, the cost of covering it with car insurance might be a different story. In fact, you may be surprised to learn that the most expensive cars to insure are not necessarily fancy sports car or other vehicle designed to go from zero to 80 mph at breakneck speed. While these cars can certainly cost you a great deal to cover with insurance, there are a number of other vehicles that can be quite costly to insure as well.

When it comes to the costs associated with insuring vehicles, there are a few rules of thumb to keep in mind. In generally, luxury cars are going to be more expensive to insure because they are also more expensive to repair or replace if they become damaged. The same is also true of sports cars, since they are more likely to get involved in accidents. You may be surprised to learn, however, that four-wheel drive trucks can also cost more to insure as well as other performance vehicles.

According to the Highway Loss Data Institute, however, there are several vehicles that top the list when it comes to the most expensive to cover with insurance. The top ten list of cars that cost less than $50,000 includes:

  • Lexus IS 300
  • Land Rover Discovery Series II
  • Audi S4
  • Jaguar X-Type
  • Mercedes SLK Class
  • Lexus GS 430
  • Land Rover Freelander
  • Mitsubishi Montero
  • BMW X5
  • Toyota 4Runner

Those that are the most expensive to cover in terms of theft coverage include:

  • Acura Integra two-door
  • Acura Integra four-door
  • Jeep Wrangler
  • Jeep Cherokee four-door
  • Honda Prelude two-door

When it comes to the cost of providing injury coverage, on the other hand, the most expensive vehicles to cover include:

  • Suzuki Esteem four-door
  • Mitsubishi Mirage four-door
  • Kia Rio four-door
  • Mitsubishi Mirage two-door
  • Kia Sephia four-door

Collision coverage, on the other hand, is the most expensive on the following vehicles:

  • Lexus IS 300
  • Hyundai Tiburon two-door
  • Kia Spectra four-door
  • Suzuki Esteem four-door
  • Mitsubishi Mirage four-door
  • Audi A6 Avant Quattro station wagon

For more tips, quotes and articles on Auto Insurance please visit

Tuesday, May 5, 2009

Car Quotes Do's and Don'ts

Car Quotes Do's and Don'ts

There are so many things you must consider before getting a car quote from your local dealer. How can you make sure that you are getting good deal? How can you avoid being bamboozled with all the car jargon, statistics, or other technical stuff you can't possibly understand sometimes? It may be a bit intimidating, especially for first timers who know nothing about it. If you want to be on the save side, read on this article. The information and tips you will read below might save you so much cash and trouble.

Always remember, although most car salespersons are probably honest hardworking people, you have to keep in mind that Sales Managers, Car Sales People, and Finance Managers all get their income through commissions. This means that whatever they sell you; they probably get fifteen percent of that. They think about the weight of their pay check even as you enter the room. They see you as potential money. So of course they'd prefer to jack up the car quote to however higher they could possibly do so. These people have been fully trained in the complex procedures calculated to make potential buyers' emotions directed towards buying a car pronto, without enough time to think things through. Do not give in to this. There is no rush in buying a car. Take a few weeks, in fact, take months if you have to, before finally buying your car. Remember that car quotes can change as easily as the wind. The underlying principle to these is that a profit is added to the prize. The size of these profits is huge. They anticipate your haggling with their prizes, therefore, by all means, haggle their prizes to bring it down to a more sensible range.

Look for free car quotes online. This is a good way to do some research and actually get a feel for the market and the prices. Free car quotes abound everywhere. But the ones online are perhaps some of the easiest ones to get. In any case, a free car quote will make you feel less obligated in buying that car right away. But just remember that the price you will see here can most probably be significantly lowered.

Do not sign anything binding. Do not let anyone convince you that the car you are looking to buy will not be available tomorrow. They will tell you that their discounts and offers will fade within a couple of days and that you should reserve it for yourself now. Do not give in to this temptation for this will make you feel obligated to buy the car you paid a down payment for. Think about it more. Hold on to those car quotes and put them under your pillow.

Get cheap new car quotes at Car Quotes

Monday, May 4, 2009

Tips to Help You Secure Low Cost Car Insurance

Tips to Help You Secure Low Cost Car Insurance

Car insurance is a necessity in order to drive legally on UK roads. However, there's no need to pay more for it than you have to and making savings is possible if you know where to look. The internet is equivalent to a huge high street, but the beauty of shopping online for car insurance is that instead of having one or two insurance companies with which to compare prices and policy features, you can have access to literally dozens. Choosing your insurance online can be one of the best ways to secure low cost car insurance, especially if you use a car insurance comparison website.

For example, some services allow you to evaluate several policies at the same time, allowing you not only to compare premiums but some of the major policy benefits too.

You see, there's more to buying the right insurance than just considering the cost of it. You also should give some thought to the actual details and features of the cover. It's no good taking out low cost car insurance only to find that you don't have adequate cover in the event of making a claim.

Another consideration is whether you would benefit from all the features in the policy. In some cases you could find there are features that you would not use yet still have to pay for. If this is the case, a particular policy might not be suitable and you could save money by choosing a different one. As an example, the policy might include European breakdown cover and if you do not travel outside of the UK then you could be paying for something you wouldn't need.

One of the features to check when considering low cost car insurance is the amount of excess the provider asks you to pay. The excess is the sum of money you would have to find out of your own pocket towards any claim. All insurance providers state a minimum (or standard) excess but you can offer to pay more (which is called a voluntary excess) and should enjoy discounted premiums as a result. One point to remember though is that you would have to find this excess amount if you were to make a claim - so do make sure you can afford it.

The type of cover you need for your pride and joy will also determine how much you pay for your car insurance. While a new car would probably require fully comprehensive insurance, third party, fire and theft cover is cheaper and could be adequate for an older, second hand car. If you want to keep insurance costs to a minimum then third party only insurance offers the bare bones of cover for the third party only and nothing for you.

Finally, the more secure your car, the better your chances of getting low cost car insurance. Some insurers will reward motorists who increase the security of their vehicle with lower premiums. While initially you will have some financial outlay in buying security devices, they could pay for themselves in the long run. For instance, you could fit a car alarm, tracking device, immobiliser or steering lock. If you can park your car in a locked garage rather than leaving it on the street then this may also be seen as less of a risk to the insurer and they may offer you a discount on the cost.

Liz Willder is from, the insurance comparison site where you can compare car insurance policy features and prices.

Sunday, May 3, 2009

What is SR 22 Car Insurance in Georgia?

What is SR 22 Car Insurance in Georgia?

SR 22 car insurance is a financial responsibility and high-risk car insurance. It is a guarantee that the operator of the motor vehicle has the capacity for at least the minimum insurance coverage.

In Georgia specifically, the police officer will require an SR 22 from the driver following a vehicular accident most especially if the cause is something very high-risk such as a DUI or driving under the influence case.

In the State of Georgia, it is illegal to operate a motor vehicle without a minimum mandatory insurance coverage. And when the driver has been in a DUI, and the police officer discovers that there is no SR 22 car coverage, further penalties will apply.

SR 22 car insurance has two kinds of policies-

1. For the owner
2. For the non-owner or simply the operator of the motor vehicle, not necessarily the owner
The car insurer files the SR 22 and a copy is electronically delivered to the Georgia Department of Motor Vehicles.

It is very, very important that the owner and the operator of the automobile does not let the SR 22 car insurance time tables lapsed.

In the worst possible light, when the driver is caught in a DUI and that the SR 22 is found out to be expired, the police office may cancel the operating privileges for the said vehicle.

SR 22 car insurance is especially issued to high-risk candidates.

High-risk candidates are basically those drivers who have a tendency for reckless driving (which is highly leading to a DUI case). Now when the driving license is suspended, the operator can get it back by filing for SR 22 car insurance or renewing it if it was filed already before.

Again, it is very, very important to have an up-to-date SR 22 car insurance proof. This will save the operator both time and money.

Georgia has very strict car insurance laws. Different states have different policies pertaining to liability coverage. And if one is found to be in a new state and is expected to drive a motor vehicle there, it is the driver's responsibility to immediately know firsthand the liability coverage laws in that area.

Faced with a DUI conviction and rising insurance bills? Visit Georgia SR-22 Insurance and find out how you can keep your insurance rates from going sky-high. DUI car insurance is expensive, but you can save on DUI car insurance if you know the secrets.

Saturday, May 2, 2009

Cutting the Cost of Your Car Insurance (Part 1)

Cutting the Cost of Your Car Insurance (Part 1)

For many drivers, car ownership is one of the most important aspects of their lives. We use them to travel to and from work, to see friends and family and for days out - be it at the theme park or the race track.

However, the costs associated with car ownership have risen in recent times - everything from replacement parts (and the labour involved) to the fuel we use to power or vehicles.

Indeed, even our car insurance policies have seen an increase in price, to add to the cost of running and maintaining a vehicle. But there are a few small steps you can take to try and bring down the cost of running your car:

  • Drive carefully: by cutting out little habits such as revving the engine whilst at traffic lights, having the air conditioning on full and driving at speed over short distances can help to save fuel, thus allowing you to go that little bit further on long journeys. Driving carefully can also help to secure a better insurance deal, as you can benefit from no claims discounts.
  • Speaking of long journeys, try to plan your journey before you set off. Make use of the internet for route planning and locating petrol stations along the way can help prepare you for the road ahead. Work out where you can stop for petrol along the way, and rest regularly to beat fatigue - particularly if you're driving at night.
  • Be sure to keep your vehicle properly maintained. Ensure the tyres are properly inflated, as this could affect fuel consumption if incorrect. Remove unnecessary accessories - such as roof racks and surplus clutter in the boot - in order to reduce weight, this can help reduce drag and help you save fuel.
  • As well as the larger accessories, you should also check the little details - such as lights and windscreen wipers - before you put your car in for it's MOT in order to give the vehicle a better chance of a successful pass.
  • Consider what type of car you drive, and whether switching to a smaller vehicle would be more economical for you. Calculate the distance you drive over a period of time and look into whether replacing your current vehicle with a smaller model would help to cut the costs. With the development of hybrid vehicles, it could soon be possible to recharge our vehicles as well as using fuel to power them.
  • When it comes to insuring your vehicle, compare car insurance to help you find the best deal. Use a range of resources in order to find the best price and try contacting car insurance companies directly in order to try and negotiate a better deal.

Looking to save money on your car insurance?

Compare car insurance quotes online as well as contacting insurance companies to help with your quest for cheaper cover.

Friday, May 1, 2009

Auto Insurance Rates Comparison For Cars - Who Has the Best Auto Insurance Rates?

Auto Insurance Rates Comparison For Cars - Who Has the Best Auto Insurance Rates?

When doing an auto insurance rates comparison for cars how do you figure out who has the best auto insurance rates? There are a few techniques you can use to make sure you don't get ripped off. I'm going to give you some hints to make sure you find best rate, and share with you pitfalls to stay away from while you do your shopping.

Let's make this very clear, do not start calling around town when you begin your search for the best auto insurance rates. This is the equivalent of walking on to a used car lot and telling the salesman that you're in market for a car, but not sure how much you want to spend or what car you want to buy. Insurance agents are sharp. If they detect that you're not really sure what you're buying, they are going to take advantage of the situation in a big way. More than likely you'll end up with more coverage than you want or need. You also could end up with the wrong type of coverage. Remember, you can pick each and every item that you pay for and a lot of what they are selling, won't really benefit you if you do end up in a crash.

So where should you begin? The best idea is to start online. So by searching for "auto insurance rates comparison" you had the right idea. But the problem is that there are so many companies that are offering their services on the internet, it's hard to know where to begin. First and foremost, you want to stay away from any actual company that allows you to browse their rates, at least at first. Most of these rates are going to be higher. So that means finding a third party who offers rates from various companies. By browsing this way, you are narrowing down the competition, but you're also searching a still broad market, meaning plenty of supply for the demand, keeping your rates low.

Take the time to browse a few sites. When you find a site with the lowest rate, then start looking at the exact coverage you need. It's a good idea to know what you state requires for the minimum and buy slightly above that. This gives you an insurance cushion, should the need arise.

My favorite site when it comes to insurance rates can found by clicking here Every time I've had to change insurers they've been able to provide me with the absolute best rates. If you're just starting to look, I recommend using them as a starting reference point. Click here, and enter your zip code to get started.