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NY Auto Insurance

Friday, April 16th, 2010

Driving in New York City can be very difficult. Many residents usually walk, bike, take the train or taxi to work. Owning a car in New York City is not necessary for most people because of the heavy traffic. It’s also very expensive to park as space is limited. I’ve heard of people paying over $1000 a month just to park! That’s probably more then their car payment!

If you do own a car, it’s important that you have auto insurance, especially in New York. The streets are so crowded and people drive very aggressively. There’s a high chance you might get in an accident if you are not careful. Having auto insurance will protect you and your car. If you are looking for cheap auto insurance in New York, please click on the banner below to get your low auto insurance rates.

Cheap Arizona Auto Insurance

Friday, April 16th, 2010

If you live in the State of Arizona and you are looking to get cheap Arizona Auto Insurance, then you should check out their website for some FAQ’s

Its a list of requirements, do’s and don’t’s to get cheap auto insurance in Arizona.

Get a Cheap Auto Insurance Rate Today!

Friday, April 16th, 2010

With the economy still low, and money being tight with a lot of people. I can’t stress this enough that getting a cheap auto insurance rate is fairly plain and simple. It will help you save hundreds of dollars a year without doing anything! For cheap auto insurance rates, please visit our sponsors on the right.

How to Avoid a Speeding Ticket

Sunday, April 11th, 2010

So I thought I’d make a post on how are some ways you can avoid a speeding ticket. We all know speeding tickets are a real pain and one wants to get them. From the hefty fines, to court appearances and to an auto insurance increase, learning how to avoid a speeding ticket on the road will save you a lot of time and money!

Here are some ways to stay under the cop’s radar:

Drive within 5mph-10mph within the flow of traffic. Cops are usually looking for drivers going faster then the flow of traffic. If you drive significantly faster then the flow of traffic, you will stand out.

Try staying in the middle of the pack. If you are in the front and run past cops, you’ll generally be the one that gets pulled over, if you are in the back, the cop will just pull up behind you as well. It’s safer to stay in the middle of the pack!

Find a car going the speed you like. If there isn’t that many cars on the road, find a car that is going the speed you like and following them 50-100 yards behind. They will be your shield in case a cop is hiding up ahead. When they hit their brakes to slow down, that’ll be your warning to slow down as well.

Do not weave in and out of traffic. Weaving in and out traffic is not only very dangerous to yourself and other drivers, but it makes you stand out like a sore thumb. Other drivers on the road will be angered by your driving and will most likely call the cops and report your vehicle in.

Avoid the Fast or Left Lane. Use the far left lane to pass when necessary, but try to stay in the middle lanes when possible. Reason? If a cop is lurking in a cutout along the median strip (or coming at you from the opposite direction on a divided highway) the speeder in the far left lane is the one most likely to become the target. Drivers who get nailed with speeding tickets are often the type who rack it up to 10 or 15 over the limit and remain in the far left lane.

Be aware of your surroundings! On many highways, there are cutouts in the median strip every couple of miles. Usually, you can see these in plenty of time to slow down a little bit in case there’s a cop lurking behind the bushes ready to give you a speeding ticket.

Do not speed if you are the only car on the road! This is very important if you want to avoid a speeding ticket. Most of the time people think it’s ok to go a little faster because there is no one on the road, but the truth is, speeding alone is the equivalent of putting a big banner on your car that says “Ticket Me.” When there is no one else on the road, the cop has nothing else to pay attention to, except for you.

Get a Radar Detector if your State allows it. Read your state rules and make sure it’s legal to have a radar detector before you buy one. A radar detector may cost a few hundred dollars, but if you think about it, just getting one ticket will cost you more. From paying the ticket to having your insurance increase. Having a radar detector can help you reduce your chances of getting a speeding ticket. Keep in mind, just because you have a radar detector doesn’t mean you can go out and speed all you want. A radar detector only works when the cop’s radar is turned on. Sometime cops will use laser or visual and if you speed by them going faster then the speed of traffic, they will still ticket you.

A good radar I recommend is the Valentine 1. It’s been out for a while and this is the only radar I use and trust. Do a google search and you’ll find out how many driver’s prefer the Valentine 1 over any other brand.

Don’t Drive a Flashy Car. Lastly, I am sure everyone already knows this, but if you are in a flashy car and you are speeding, you are going to get ticketed. As unfair as it is, it’s human nature to notice things that stand out in the crowd. Driving a more discreet car such a mini-van or family sedan will help you blend in and avoid tickets more then driving a yellow Corvette.

Hopefully you enjoyed reading this post and you can use this knowledge to help you prevent speeding tickets out on the road. Remember that speeding tickets will raise your auto insurance rates and by having too many of them, you can risk losing your drivers license or risk getting denied auto insurance coverage.

Top 20 Cheapest Cars to Insure

Tuesday, April 6th, 2010

According to, here are the top 20 cheapest cars to insure! If you want to have lower insurance rates, here is a list of cars you can choose from.

1. Mazda Tribute 2WD

2. Honda Odyssey LX

3. Mazda Tribute 4wD

4. Chrysler Town & Country LX

5. Jeep Wrangler X

6. Mazda Tribute S

7. Dodge Grand Caravan SE

8. Toyota Sienna CE

9. Hyundai Tucson GLS

10. Kia Sportage LX

11. Honda Odyssey EX

12. Hyundai Santa Fe GLS

13. Jeep Patriot Sport

14. Honda CR-V LX

15. Dodge Grand Caravan C/V

16. Mazda Tribute S

17. Toyota Sienna LE

18. Dodge Journey SE

19. Ford Escape XLS

20. GMC Canyon WT

Top 20 Most Expensive Cars to Insure

Monday, April 5th, 2010

According to a big car enthusiast website, we present you the 20 most expensive cars to insure. These factors are based on a 40 year old man with a perfect driving record.

1. Porsche 911 GT2

2. Mercedes-Benz S65 AMG

3. Dodge Viper SRT-10 Coupe

4. Porsche Panamera Turbo Sedan

5. Dodge Viper SRT-10 Roadster

6. Mercedes-Benz CL600

7. Audi R8

8. Porsche Panamera S Sedan

9. Mercedes-Benz SL600

10. Porsche 911 Utrbo

11. Mercedes-Benz CL65 AMG

12. BMW M6 Convertible

13. Mercedes-Benz S600

14. Mercedes-Benz SL65 Black Series

15. Mercedes-Benz SL65

16. Mercedes-Benz CL63

17. BMW M6 Coupe

18. BMW 760Li

19. Jaguar XKR Portfoilo

20. Jaguar XKR

So there you have it guys. Top 20 most expensive cars to insure. You guys might wonder why Ferrari, Lamborghini or Bugatti Veyron is not on the list and its probably because those are super rare cars and they are not counted by the average auto insurance companies. The cars on the list are high end expensive cars that CEO’s or wealthy individuals commute to work daily in. With exotic’s such as Ferrari’s and Lamborghini’s you are eligible or a special exotic car insurance which you can read on the Auto Insurance for Classic, Exotic and Specialty Cars Section of this site.

9 Ways to Save Money on Auto Insurance

Monday, April 5th, 2010

A lot of people don’t realize this, but auto insurance is a big expense. For some people with points on their driving record, believe it or not, their auto insurance rate could cost as much as their monthly payment on their car! Here are 9 helpful tips on how to save money on your auto insurance and at the same time getting the most of out of it.

Getting the most out of your money and time.

1. Increase your deductible. I only recommend this step if you have an adequate savings fund in place to cover the cost of the deductible. While raising your deductible can significantly reduce your premiums, the last thing you want to happen is to go into debt after an accident to cover repairs or not have enough to cover the deductible.

2. Drop unnecessary coverage. Comprehensive or collision coverage for older vehicles may not make sense financially. Consider the annual cost to insure older vehicles compared to their potential sale value. It may be that it costs more to insure an older vehicle than it costs to replace one. On the other hand, if you have little savings, insurance may be a relatively inexpensive way to replace an asset worth a few thousand dollars.

3. Buy car insurance and homeowners insurance from the same provider. If you already have a homeowners policy in place, contact the insurer and ask if they offer auto insurance. Chances are you’ll receive a multi-policy discount for purchasing both from a single provider.

4. Shop around, and don’t be afraid to take your search online. Do a little comparison shopping by getting two or three quotes from multiple sources. Use the sponsors we have available. Many of them will give you a quote from many of the leading auto insurance companies, so you don’t have to go from one place to another trying to compare quotes.

5. Inquire about other discounts. When discussing your policy quote with an insurer, specifically ask about any other discounts you may qualify for, such as low-mileage driving, the installation of car alarms or the successful completion of defensive-driving courses.

6. Special discounts. Use one of our sponsors on our site to compare against many of the leading auto insurance companies. Some of them offer special discounts or promotions through our site.

7. Maintain a clean driving record. One of the quickest ways  to increase your car insurance costs is to have an accident or get a ticket for a moving violation. Tickets add points to your license and increase your insurance costs. Accidents increase your risk profile to current and potential insurers and increase premiums.

8. Clean up your credit report. Those not fond of the FICO score may find it objectionable that insurance companies use your score, in part, to determine your premium. However, statistics show a correlation between bad credit and a propensity to receive more tickets and be involved in a crash.

9. Drive “low-profile” cars. That is, drive cars that are not typically a target for thieves or radar guns. Studies have also show certain models and colors are more likely to be stopped for speeding (red sports cars, for instance). In their prime, the two cars shown above would have definitely been high-profile cars.

Saving money on car insurance is a quick way to make a significant reduction in your monthly expenses. Use our sponsors tab on the right to get a FREE Auto Insurance Quote Now!

California Strict About Auto Insurance

Sunday, April 4th, 2010

Every driver in California is required to have auto insurance by law. Statistics show that 1 in 5 people in California do not have auto insurance. Auto Insurance can be expensive and nuisannce especially during this tough economy. People are willing to take the risk to drive on the open road without having car insurance. Auto insurance is absoultely necessary because it protects you.

If you are caught in driving in California without having proper proof for auto insurance, the officer will issue you a fix it ticket. If you have insurance prior to the date of getting the ticket, you can bring your auto insurance slip or policy papers to the court and pay a fix it ticket fine (probably under $35) If you don’t have auto insurance, your ticket is $500+!! After you pay the $500+ ticket, you will then be forced to get auto insurance before you can get back on the road! Now think of it this way, $500 can pay for a full year or half a year of auto insurance depending on your policy! Why waste $500 for nothing? So the lesson here is, remember to have auto insurance or you’ll be wasting a lot of money in court fees and most importantly risking yourself in the event of an accident.

Finding cheap auto insurance is not hard. There is a lot of useful information on this site and I encourage everyone who is shopping for  auto or motorcycle insurance policy to look around. Do your research and most importantly shop around before you buy!

Turn 21 today!

How Do Accidents Affect Your Auto Insurance Rates?

Saturday, April 3rd, 2010

Chances are that your car is one of the most valuable assets you own. Car insurance offers the necessary protection of your investment in case of accident such as vandalism or theft. In addition, it is a requirement of lending institutions and car leasing companies. You must have full-coverage on the vehicle in order to obtain financing or leasing.

As the driver of a vehicle, you become responsible for the safety of the passengers in your vehicle; other driver’s whom you share the road with; pedestrians; and other people’s property. If you are involved in an accident, collision car insurance helps cover the costs associated with injury or damage.

If you are involved in an accident, you should contact your insurance agent immediately to begin the claim process. Your insurance agent will contact a Claims Adjuster who will assess the damage caused to your vehicle and work with you to resolve any issues, including who is at fault.

It’s important to note there are two kinds of deductibles: comprehensive and collision. Comprehensive covers damage caused to your vehicle by vandalism, hit-and-run, hitting an animal, or acts of Nature such as hail damage.

Collision covers damage caused to your vehicle due to a collision with another car while on the road. Comprehensive claims do not affect your insurance premiums, but collision claims do.

There are many factors involved when it comes to determining how your car insurance premiums will be affected due to a collision. If the accident is not your fault and your insurance company is able to reclaim its losses from the at-fault driver’s insurance company, there may be no change in your premium.If the accident is your fault, your insurance premiums are likely to increase by as much as 20 percent. This will depend on the extent of the damage and if there were injuries involved. If you are the cause of an eight car pile-up with multiple injuries, chances are good your car insurance will be cancelled when it comes time for renewal. However, if you are involved in a small fender bender with less than $2,000 in damage, you may only experience a slight increase of 3 percent or less.

Most insurance companies will forgive one collision claim. However, if you file multiple claims your premiums will increase, or your policy may end up being cancelled. Even if you are not at fault, insurance companies frown upon policyholders who are frequently involved in auto accidents.

If your insurance carrier cancels your policy due to a collision claim, you have the right to file an appeal through the Insurance Department. Be prepared to spend up to a year fighting for your rights. This is not to say you cannot win, but you must possess patience and perseverance when going up against the insurance industry giants.

If your car is valued at less than $2000, you might want to consider not filing a collision claim. This is particularly true if you have a deductible of $1500. Just because you are involved in an accident does not mean that you are required to file a claim with your insurance company.

If the damage to your vehicle is minimal, weigh the pros and cons to determine if it is worth filing the claim. Consult with your insurance company and inquire how the collision claim will affect your car insurance premium. If it will result in a premium increase over an extended period of time, do the math and see how it works out. You may discover that it is better to repair the car out-of-pocket as opposed to filing a claim.

How To Get A Low Auto Insurance Quote?

Thursday, April 1st, 2010

It’s always an exciting experiencing purchasing a new car. Now you have to find the best way to protect it. This means getting auto insurance with the best coverage for the lowest price. Without auto insurance, you are basically a ticking bomb waiting to explode. So many bad things can happen with just one accident. Having insurance will provide you with a piece of mind and most importantly protection.

Getting a cheap auto insurance quote isn’t hard. Here are some factors to determine if you can get a cheap auto insurance quote.

First, auto insurance companies are going to run your driving record. If you have multiple violations such as speeding tickets and accidents, your rates will be more expensive. A lot of people say “well it’s just speeding tickets, I never been in a accident before.” Studies have shown that people who speed are much more likely to get in an accident then someone who obeys the speed limit. Insurance companies will take note of that and increase your rates because you are more prone to getting in an accident. To get a low rate you’ll need to have little to no violations on your record.

Second factor will be your age. If you are a teenager and just received your license, your insurance rates are going to be higher then a more experienced drive, whose been driving longer. Studies have shown that younger people with little driving experience are also more prone to getting in an accident. Generally, women will also pay less then men.

Third, the insurance company will check your credit history when you are getting your rate. (Don’t worry if you are getting a quote online, they will not ask for that) Although your credit doesn’t affect your driving in anyway, auto insurance companies want to make sure that you are able to pay your monthly statements. If you have poor credit, your rates might be a bit higher or you might even get declined with some companies. (Don’t worry if you get declined, there are plenty of companies to choose from, and there will always be one that will insure you)

And for those who don’t have such great driving records, or credit history, a great way you can save money is by taking a defensive driving class. Most insurance companies will give a discount once you’ve completed the course. It shows insurance companies that you want to be a safe driver to prevent accidents. Another thing you can do is, make sure you purchase a car with good safety ratings, and a good anti-theft tracking system. Having a car with high safety ratings means that if you get in an accident, you are less likely to be injured. When you get injured, insurance companies have to pay out of lot of money and they definitely don’t like doing that. Having an advanced anti-theft tracking system will help as well. It will prevent thieves from trying to steal your car and if it does get stolen, it can be tracked.

Lastly, if you are insuring multiple cars, you can always ask your insurance company for a multi car discount. It’s not abnormal that you can insure two cars for the price of one car. Make sure you ask the auto insurance company if they offer this type of discount because not all of them do. Some insurance companies do Home Insurance as well and having your cars and home under one policy will definitely help you save on your rates.

So, in conclusion, these are the ways to get a cheap auto insurance quote. Please use the links on the top or side to get a free insurance quote. It’ll take less then 3 minutes and you will have quotes from all the leading auto insurance companies.