Car Insurance Quotes Online Info: How to Find Quotes and Get Discounts on Auto Insurance

Thanks to the internet, car insurance is easier to buy than ever before. It’s so easy to get multiple car insurance quotes online at once from different companies, all at one site. The downside is that you’ll have to take the time to compare them in order to decide which option is the best for you. To help make the process go quicker, you should have all of your information prepared and ready to go.

Whenever you get an auto insurance quote online, whether through an agent or directly, you’ll need to provide some documentation such as your driver’s license, make / model of vehicle, address, VIN, age, social security number, etc. Like it or not, there are certain age groups that are considered “higher risk” than others. Your location might play a role in the types of quotes you get as well – especially if you live in an area prone to extreme weather and road conditions, or where there is a high rate of crime.

If your vehicle has certain safety features, like anti-lock brakes, front and side airbags, GPS, and an alarm system, you will likely qualify for a discount when shopping for car insurance quotes online. Many auto insurance companies give out discounts to safety-conscious drivers. Also, you can potentially save even more if you take a defensive driver’s course.

Other Factors Affecting Car Insurance Quotes Online

Another possible factor affecting the quotes you will get is your credit score. Those with poor credit will have a more difficult time getting a good rate on their car insurance. If you have poor credit, the best thing you can do is try to look for as many discounts as possible. Some insurance companies offer a wide variety of discounts so you will probably be eligible for at least one of them.

As for age and gender, males are usually required to pay higher rates than women since women are considered to be more cautious when driving. Also, drivers younger than 25 are statistically more likely to be careless, so they are usually charged higher premiums. If you are a student who makes good grades, however, you will probably be eligible for a discount.

There is a newer thing some insurance companies are offering called “usage-based insurance”. This means that they are giving drivers the option to have their driving monitored via a mobile app in exchange for possible discounts and lower premiums.

One good company that offers this type of app as well as car insurance quotes online is esurance. Check out its “DriveSense” feature, which is free for anyone to use. Those who enroll as a customer can save a lot of money.

Insurance Claims For Single Car Accidents

Car accidents can be extremely dangerous and stressful. Most single car accidents happen due to bad weather conditions or animal encounters such as deer. Many drivers do not feel that they are at fault in a single car accident since there is nothing that could have been done to prevent the accident. However insurance companies tend to have a different view, unless your vehicle was struck by a flying object that damages your vehicle or caused loss of control.

What Are Some Single Car Accident Examples?

Driving While Distracted

Distracted driving caused accidents have been on the rise. Many drivers tend to multi-task while they are driving. Unfortunately today there are more distractions than ever. From cell phones, GPS, on board television sets really take away the attention from the road. If a distraction causes you to lose control of your vehicle and it is damaged, your insurance claim will be considered an at fault accident meaning that it was your fault.

It is really important to minimize multi-tasking and cell phone use while driving to avoid the possibility of an accident. In fact many states and metro areas have been passing laws to make cell phone use illegal while driving. If you are caught using a phone while you were in an accident you may have to pay hefty fees and tickets which can also make your insurance premiums increase.

Extreme Weather Conditions

Driving on slick roads is the number one cause of single car accidents. It is really difficult to spot ice patches on the road which can cause a driver to lose control of the vehicle. Hitting a ditch, tree, guard rails, or snow banks will be considered at-fault accidents even if you receive no moving violation by the police. If you file an insurance claim for this it will add points to your policy and your insurance may increase.

Sometimes if the weather conditions are extreme it may be a good idea to stay home or use public transportation. If you have to drive always give yourself extra space when stopping and decrease your speed whenever possible before you hit the brakes.

Pot Holes

Pot holes have been an increasing problem for drivers. Severe climate changes especially in the northern states have been damaging roads at alarming rates. Hitting a pot hole is still considered a single car accident where the driver is at-fault. This may seem unfair especially since avoiding pot holes is almost impossible sometimes because there is no place on the road to go. Insurance carriers do not want to be responsible for damaged vehicles because these types of claims are common and almost unavoidable.

If you want to avoid pot holes try to drive cautiously and whenever possible swerve around the hole. If you cannot swerve, then decrease your speed and drive very slowly over it so that you do not damage your car. Always be alert and give yourself extra time and space to slow down.

Hitting an Animal

Trying to avoid animals on the road by swerving is a natural reflex reaction. Sometimes this can be dangerous however. If you swerve you may lose control of your vehicle and hit a guard rail, embankment, tree, ditch, or even swerve into oncoming traffic. It is unfortunate but it is safer to actually hit the animal. A collision with an animal is considered a comprehensive claim; something your insurance will cover and not hold you at fault. If you do swerve and are involved in an accident your insurance carrier will count this as an at-fault collision.

Pay attention to signs that warn of deer populated areas and be alert while you are driving through. If you cannot avoid the animal; it is safer to hit it than to swerve out of the way.

Hitting a Flying Object

If your vehicle is struck by a flying object it is the one time that it will not be considered an at-fault accident. Flying objects can be rocks that hit your windshield, debris from other vehicles, or tree branches that fall on your car while you are driving. All of these incidents can be considered comprehensive claims and your insurance will cover the damage.

The driver is always responsible to keep control of the car at all times during bad weather conditions, roads with pot holes, or animal populated areas. Even if you do not receive a fine or ticket for a moving violation from the police the insurance company considers your claim to be at-fault. Sometimes it may even be beneficial not to report the accident to the insurance carrier if the damage is not too high to avoid an increase in insurance premiums.

There are many useful tips and advice on car insurance online, so make sure to do your research before making a purchase.

Car Insurance for Low-Mileage Users

What you need to know about Car Insurance for Low Mileage

  • Insurance Companies may require your annual odometer reading verification
  • Insurance by the mile bills you monthly insurance payments based on your used mileage
  • It is possible also to receive car insurance discounts without asking from insurance companies that bundle up insurance policies with a specific insurer.
  • The discounts are awarded to loyal customers or accident-free and low mileage drivers over a period.
  • Drivers on an average 5,000 miles annual range may alert an insurance company so as to receive a low-mileage discount.

Do you own a car that barely leaves the garage on most days? Most insurance companies offer a conventional low-mileage discount to drivers who maintain annual mileage under a particular brink, such as 6,000 miles a year. In most states, the discount reduces the insurance rates on a full coverage policy by 2 percent. The premium savings are bigger in California.

Insurance Companies may require your annual odometer reading verification. Some may ask you fill a form to countercheck your estimate against readings taken from other sources. Others use agents to take a photo of the reading.

There are ways to get a low-mileage discount that will give you cheaper car insurance coverage.

1. Pay-as-you-Drive

Pay-as-you-drive vehicles such as In-Drive, install telematics gadgets to monitor your vehicle, offer larger discounts for less frequent drivers and careful drivers as well. Precautious drivers on low mileages can save up to 25 percent or more. Most of the pay-as-you-drive plans give a discount of 5-%10 upon enrolling, they later use gathered data to award a discount at your renewal period. Attach a telematics gadget into the car’s onboard port (OBDII) to get a discount. Nearly all cars from 1996 onwards have an inbuilt OBDII port.

2. Pay per Mile Car Insurance

Insurance by the mile bills you monthly insurance payments based on your used mileage. This mode of payments saves you an estimated 45% in savings for careful drivers doing less than 5,000 miles a year. The device tracks the distance traveled, which is used to set your mileage rates.

This way, you are guaranteed low mileage on types of car insurance under each plan; instead of cutting coverage to save money, it limits the risk faced by insurance companies when you hit the road.

Customers are charged a standard monthly rate based on individual rating factors: age, driving record, location, type of car, credit and insurance history in some states. Every month, the driver pays the flat rate plus a mile fee charged on the miles recorded through the mileage device.

How to Qualify for Low Mileage Car Insurance Discount

It is easy to be eligible for many auto insurance discounts, and many insurance companies offer these discounts, but you have to ask. A Princeton Survey study found that 16% of motorists have car insurance standard discounts.

It is possible also to receive automatic car insurance discounts from insurance companies that bundle up insurance coverage with a specific insurer. The discounts are awarded to loyal customers or accident-free and low mileage drivers over a given period.

However, you may request for discounts such as:

  • a short travel discount or no commute
  • Paying your coverage renewal check in advance
  • Having an academic degree/s
  • Police officers or teachers

Common Low Mileage Discounts

Many people are not aware of car insurance discounts such as Low-Mileage premium discount: This is for individuals who reduced their driving mileage by either working from home or park their vehicles because they no longer need to drive. A mileage research from Quadrant Services found that driving an average 6,000 miles annually, pays nearly of 7.5 % less than driving 16,000 miles annually. 16,000 miles is, in fact, more than regular Americans drive yearly, based on the U.S Department of Transportation.

Huge Mileage Savings in Selected States

The disparity on low mileage drivers is bigger in selected states, California tops the list.

The top five states where drivers save under 5,000 miles annually are:

  • California – 17 %
  • Washington D C – 11.1 %
  • Alaska 11%
  • Alabama- 10 %
  • Hawaii – 10 %

However, some states have little or no effect on insurance coverage rates on reduced mileage. The states where little driving distance hardly moves a dime include:

  • North Carolina -0
  • Utah -1 %
  • Texas -3 %
  • Connecticut – 3 %
  • Rhode Island-3%

Vice president of iii.org, Loretta Worters, says insurance companies hike premiums for high mileage drivers because they are a risk. High mileage drivers are more likely to cause accidents than the low mileage drivers. California, for example, has insurers charging higher premiums because the State has many drivers on the road.

The role of insurance state laws passed in 1988 limits the factors California motor insurers use when determining rates for the following:

  • Mileage driven
  • Safety driving record
  • Driving experience

Insurers can set minimum rates based on these three main factors. This law magnifies the impact of driving mileage.

Insurance expert/consultant – Douglas Heller says asking for higher premium rates from high mileage drivers is fair to charge insurance policy holders. He adds on that basing rates on mileage is far better than another criterion like an education level and income.

Does Ignoring Driving Mileage Pay?

At the extreme, experts do not understand precisely why North Carolina insurers and other selected states practically ignore miles when rating auto policies.

North Carolina insurance commissioner, Wayne Goodwin says a hike in mileage doesn’t amplify the level of risk on the road. He, however, says the state’s different pricing is a key factor to prevent insurers in the state from hiking premiums on mileage.

In some states, such as North Carolina, insurers independently apply for premium rates with the state’s insurance bureau -insurers file rates with the local State Rate Bureau. The State Bureau proposes one base rate for all its insurance companies in NC. Goodwin’s office reviews the requested rates and attaches a cap indicating the exact figure insurers should charge consumers.

The bureau chief says that Mileage driving is a price factor. However, it doesn’t have any significant effect. The local government has maintained low motor insurance rates in NC State, which is ranked one of the lowest insurance premium costs in America; according to figures from NAIC.

How to Reduce Motor Insurance Mileage Rates

For drivers on an average 6,000 miles annual range, they may alert an insurance company so as to acquire a mileage discount. But, several lower mileage drivers miss the available discounts due to nondisclosure. On the contrary, not everybody reduces their mileage so as to save on insurance costs.

Additional Ways to Decrease High-mileage Usage

  • Increase your deductible
  • Shop for price quotes in several insurance companies
  • Avoid highway speeding tickets and other road violations

Car drivers may attempt to forge miles on the speedometer to avoid higher insurance coverage rates. This is unethical, and a policyholder can lose out on the entire insurance and get black listed too. Lying to the insurer is an illegal act, its insurance fraud. The best way to earn a discount on mileage is to buy a car that has done average mileage and the driver should ensure that they maintain their speed levels at all times.