Cheap Auto Insurance Tips

Auto insurance is one of the most common. Every self-respecting vehicle owner insures his means of transportation just in case although hoping that everything’s going to be fine. In this case you seem to simply waste your money when buying insurance. It is very important to choose the right policy for your specific vehicle and also the one which won’t cost much in these hard times of economic recession.


This does not only mean that the car insurance has to be cheap, we as well want to have low car insurance rates and better coverage. The following factors are to be considered in this case.
Remember that your insurance company is not the only one out there. You will have to consider switching to a different insurance carrier which offers better rates on the criteria you are looking for.


Low car insurance rate also depends on your driving history – the better your driving record is, the more likely you will be able to find a lower car insurance rate. However, it is also worth mentioning again that with the same information provided different companies offer different rates.


The Internet makes it easy and fast to compare several car insurance quotes in a few hours, and it allows you the luxury of comparing them at home. But comparing rates company by company can be very time-consuming and not practicable for many. There are a few web sites that offer you several car insurance quotes with one form submission. This is the easiest way to get several quotes to compare.


Don't think each car insurance quote will be the same, they won't be. Each one will be different, and some will be less than you’re paying on your current policy. Make sure to consider what coverage you need, or what coverage you currently have. It is a good idea to have your policy in front of you while doing the online quote submission. If you put in different coverage types, you will get different quotes. Obviously, the more coverage you want the more expensive the quote will be. It's a good idea to put in different coverage types and see what happens.


What deductible amount are you looking at? You may want to raise it so you can get a lower car insurance rate. You may also want to lower it or keep it similar to your current coverage.


There are many cars that are considered high risks to insure because they are often the target of vandals and thieves. You can find this information online before you go the car insurance site. The age of your car is also taken into consideration. Know what kind of theft protection and safety equipment your vehicle has. You will have to fill this information in on your insurance quote form.


These slight tips are not enough of course to guarantee that you will get the cheapest insurance at the lowest rate but they at list may hint the right direction in your quests and search!


Drive safe!

A Decade Older

One of the successful direct-to-consumer personal auto insurance companies, Esurance, has recently celebrated its 10th anniversary. It is considered to be an important milestone for the innovative company.


Esurance was started on December 16, 1999 to improve the way people shop for, buy, and manage their auto insurance. A decade of hard work has its fruits - Esurance sold more than 1.5 million auto insurance policies, and insured more than 2.2 million drivers.


Over 10 years, Esurance has become the third-most recognized personal auto insurance provider on the Internet. By combining best-in-class Web-enabled technology, underwriting expertise, and a culture of continuous improvement, Esurance has become a leader in a competitive industry.


President and Chief Executive Officer, Gary Tolman, described the last 10 years by saying, "Our parent company, White Mountains Insurance Group, Ltd. WTM, helped nurture Esurance as we became a significant competitor in the personal auto insurance space. We are grateful for their tremendous support over the years. Now, after a decade in business, Esurance has matured into an established, well-known insurance carrier."


Esurance began its activity providing Web-enabled insurance services long before most of its more established competitors. Esurance was one of the leaders in making the purchase of auto insurance simpler and faster for customers by introducing electronic signatures, real-time underwriting verification, and actionable comparison quotes. Over the past 10 years, the company has created reliable, proprietary, Web-based systems throughout its entire technology infrastructure, including quoting and purchasing, policy management, billing, customer service, and claims handling.


In 2004, Esurance launched television advertising featuring the company's animated icon, Erin Esurance. The colorful animated television spots helped Esurance stand out in a competitive category and supported the Esurance brand as innovative and fun-- adjectives not often used to describe personal auto insurance. Today, the Esurance brand is recognized by 2 out of 3 people in the United States.


More recently, White Mountains' purchase of Answer Financial, one of the largest U.S. personal insurance agencies, brought it and its capabilities into the Esurance family. Esurance has partnered with Answer Financial since 2003, but the enhanced relationship now allows consumers shopping on the Esurance Web site to purchase insurance coverage from multiple leading insurance companies.


Esurance has earned an "A-"(Excellent) rating from A.M. Best Company, an independent firm that rates the financial strength and performance of insurance companies.


Tolman concluded, "We will use our experience from the last 10 years to guide our success in the next decade. I am proud of what we have accomplished, and I would like to thank all of our associates for their continuing hard work and dedication to the company. We very much look forward to the next 10 years."