Free Auto Insurance Quotes Online 2016 - 2017

Are you thinking of getting car insurance and are not quite sure of where to go or what to get? Look no further we provide the best and highest quality reviews and information regarding insurance and anything relating to it. We have experience in the insurance sector from many years of service and research into different specialisations however we have focused on automotive insurance also called car insurance. Getting cheap insurance can be a very long and tiresome process for most people, in fact statistics say that most people are not even aware that they could be paying less and getting more coverage for what they are currently paying. We are here to help! We provide different articles about the car insurance sector and also will be posting high quality reviews about different car insurers and how they stack up to the competition.

Free Auto Insurance Quotes Online

Finding quality car insurance can be hard, there are a lot of top brand names out there with name brand recognition and commercials that draw in consumers without actually providing a high quality service, for this reason we take the time to look deep into what these companies offer and see if we can find out exactly how they provide their services. This is extremely beneficial to you as a consumer since our reviews will allow you to choose the best insurer without going through the process of doing all this research yourself. By going through the research process yourself you could miss many important factors such as hidden fees, yearly rate hikes and processing and one time charges!

1. Why do I need car insurance?
   This is a common question by new drivers and those that are inexperienced. The simple answer is. It is illegal to drive without car insurance! This is true throughout the US and all of north america. Insurance provides the ability to cover the medical expenses and expenses of someone you may injure even if you may not have otherwise been able to pay those expenses yourself.
2. What are the differences in Policies?
   There are three main types of car insurance and they include. Liabilitiy, Third Party insurance, Fire and theft Insurance and comprehensive insurance. When choosing one you should consider the pros and cons of each. For instance you may be in a high risk area for theft in which case theft insurance may be advisable or a package that contains it.
   1. Collision Insurance. This insurance covers you for any losses incurred to your vehicle if you hit a car or object while driving
   2. Liability Insurance. When you have an accident and it is your fault the insurance company will pay any costs relating to the person you may have hit including medical expenses and any other expenses incurred to their vehicle.
   3. Comprehensive. This type of insurance covers your vehicle if there is an accident any losses incurred to you including collision or accidental damage.
   4. Medical expenses, uninsured motorist, roadside assistance, rental reimbursement. These other types are more specific and can cover expenses of anyone riding in the vehicle with you, incidents where the driver at fault cant cover your expenses, incidents where you may have a flat or need roadside assistance and rental car problems. These are more specialized to your needs.
3. What is a deductible?
   A deductible works as a percentage or set amount of what you will have to pay if you need to use the insurance. For example if you hit a car and the damages are about 5000 dollars your deductible may include you paying the first 1000 dollars.
4. What are the premiums like and how do I keep them low?
   Premiums are the charges that car insurance level on motorists, usually you can pay these either yearly, quarterly or monthly. Of-course the yearly option allows you to pay a lower rate then the monthly would allow. Keeping these premiums low depends on your driving record as well as your skills at being a savy shopper! Shopping around for different rates can get you a policy better tuned to your needs and at the lowest price possible (our articles are here to help!)
5. Will my premiums rise or drop during my insurance period?
   Usually rates will not drop (Surprise! Surprise!) However rates can increase if you dont read the fine print. Sometimes rates can actually increase greatly. Also another way rates can increase are from a bad driver history.
6. What are the different Use classes of insurance?
   Many company's offer packages based on class for example a. Social only, social including commuting, business use, and commercial travelling. This means that dependant on your daily use you will have different premiums for example business use may have a lower premium than social use do to the different risks involved. Its important to keep these in mind when choosing a plan.

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