Most of us are looking for the best auto insurance rates with a top rated insurance company. But how do you find it without spending half your life visiting insurance offices or talking to agents. Here's a quick and easy way ...

How do I get the best auto insurance rate?

As a former insurance agent I get asked this question all the time, and each time my answer is the same: "Shop and compare."

The only way to know if you're getting the best car insurance rate for your particular situation is to comparison shop, and the best way to do that is to fire up your computer and shop online.

There are a number of sites where you can get auto insurance rates from A-rated companies, and it only takes a couple of minutes to get multiple quotes from a number of top companies so you can compare rates. (See links below.)

When you go to one of those sites you'll be asked a series of questions in order to tailor the quotes to your particular situation. Some things you want to consider in order to get the best auto insurance rate are:

* Dropping your collision and comprehensive coverage - If you have a older car that's not worth a lot, you may want to drop your collision and comprehensive coverage. A good rule of thumb is if your annual premium for your collision and comprehensive insurance exceeds 10% of your car's value, consider dropping them.

* Raising your deductible - If you make a lot of small insurance claims, your insurance company may cancel your insurance. So raising your deductible by a couple of hundred dollars will not only save you hundreds of dollars a year on your insurance premium, it may also save you from having your insurance canceled.

* Adding security devices - Insurance companies will give you discounts for installing anti-theft devices and auto alarms. Installing these devices not only saves you money, it will give you peace of mind knowing that your car is less likely to be stolen.

How do I know the company I pick is a good company?

Insurance companies are rated by various independent organizations like A.M. Best, Standard and Poor's, and Moodys. Unfortunately you have to subscribe to their service to get their information, and they only rate companies primarily on financial criteria and not customer experience.

If you want to get the inside scoop to find out which companies have the best service and pay insurance claims the quickest, surf over to epinions.com. Here you'll get consumer ratings and reviews from actual customers who've used a company's services. Believe me, it can be a real eye opener.

Visit http://www.LowerRateQuotes.com or click on the following link to get the best auto insurance rates with A-rated companies, and see how much you can save. You can get more car insurance tips by checking out their "Articles" section.

About the Author

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to find the best auto insurance rates.

Labels: auto insurance quote, insurance, insurance quote

Getting a home insurance quote online is as easy as it gets for comparing different policies and rates from several insurers. There are many benefits in getting an online insurance quote for your home including:

1. Convenience - Getting a quote on your insurance online is fast, simple, and available 24 hours a day. You don't need to make an appointment with an insurance agent. You only have to fill out an online form and submit your request.

2. Choices - By using the internet in finding rate quotes for your home insurance, you can compare offers from many different insurance companies in a short amount of time without having to spend hours on the phone talking to various agents and insurers.

3. Coverage's - You will be able to get quotes for different types of policy coverage's as well. Live in an area prone to earthquakes? You can add this optional coverage onto your rate quote. You can also increase contents coverage, add on expensive jewelry, and a whole host of endorsements and optional coverage's.

4. Comparisons - Once you request online quotes from various insurance companies, you will start receiving quotes back in a short amount of time. You can review these quotes from the comfort of your home and make the best choice.

If your needing a homeowners insurance policy, I would highly recommend getting a home insurance quote online and save yourself both time and money.

All Rights Reserved Worldwide. Reprint Rights: You may reprint this article as long as you leave all of the links active and do not edit the article in any way.

About the Author

You can learn more about getting a Home Owner Insurance Online Quote as well as much more information on all types of home insurance at http://www.HomeInsuranceA-z.com

Labels: auto insurance quote, insurance, insurance quote, life insurance

Are you aged over fifty and currently on the look out for car insurance? Are you fed up with paying such high premiums for your car insurance? Are you looking for a very cheap car insurance quote? In this article, I am going to write about the ways in which people who are over the age of fifty can obtain a very cheap car insurance quote.

There are many companies now offering cheap car insurance to all of those people aged over fifty. If you are one of these people, it is time to take advantage of this. Insurance companies have realised that this group of people have grown out of their "boy racer" days and are far more content to drive in a relaxed manner. This of course in turn leads to far less overall claims and hence the cheaper premiums.

The next question has to be, where do I find these companies who are willing to offer this competive car insurance qoute? The first place to look has to be the internet. The web is not there just for the under forties to enjoy, many a silver surfer are known to browse the internet each and every day. I always like to search for products via Google.com. If you enter into the search box things like, very cheap car insurance for people aged over fifty, you will see lots of companies who are ready to quote you a price.

The insurance companies can also be found advertising on the television and on the radio. Whichever option you choose, make sure you do not miss out on the great car insurance deals that are currently available to you.

Since there are many factors that go into determining your auto insurance rates, there are many chances to lower your rates.

If you change jobs and your drive to work changes or you stop working or you work from home, you should contact your insurance company.

If you have a teen driver and they go to school over 100 miles away without a car then you should be able to get a discount.

If you get married and are in your teens or twenties call your insurance company and see about combining your policies.

Take defensive driving if your state allows it for a discount.

See if increasing your comprehsive and collision deductibles will save you a lot of money. You need to compare what you're saving and how much more you will have to pay if you file a claim. For example, if you go from $500 to a $1000 deductible and it lowers your insurance $50 per 6 months then it saves you $100 a year.

It will take you 5 years to break even from what you are saving compared to how much more you have to pay.

Now, if it saves you $250 every six months then it would be more worth your while.

See if combining your auto and home insurance polices will qualify for a multi policy discount with your current company. This could be a substantial discount.

One of the biggest ways you could save $200-$500 or more a year is shopping around for insurance. The auto insurance industry is very competitive and this is great news for smart consumers like yourself. Shop for auto insurance quotes here and see how much you can save.

A. Chris Tijerina has over 3 years of experience in the auto insurance industry and has seen many different people deal with auto insurance related problems. http://www.insurance-for-cars.com answers many of the questions facing drivers today.