Instant Car Insurance Quotes Can be Free - Here Are Some Things to Know First


Visitors: 317

The annual cost of your auto insurance policy is influenced by many factors. A policy with a very low premium may not carry all the coverage you need. A policy with a very high premium may be stuffed with extras you don’t need. Understanding a few basic auto insurance terms may help you decided which types of auto insurance are best for your particular needs.


The way you use your car may have a great impact on the premium you pay. Some companies offer significant discounts to car owners who don’t commute on a daily basis. Be sure to let your insurer know if you take mass transit to work or carpool. If you drive a considerable number of miles for work or pleasure your premium may be higher.

Principal driver

The principal driver is the person who has control of the car the majority of the time. Certain age groups have fewer accidents. Having a child or other driver who is under 25 as the principal driver on a car will generally greatly increase the premiums on that car. Drivers over 75 may also have higher premiums. If the principal driver has multiple violations or accidents the premium will reflect those occurrences. Try to list a person from the most accident free age group and with the best driving record as the principal driver.


The deductible is the amount which you will pay toward the expenses of an accident. Deductibles are per accident. If you have a $1,000 deductible and have two accidents in a year you will pay a $1,000 deductible for each accident. If your vehicle is totaled the payment you receive will be less your deductible.

Collision coverage

Collision coverage is the insurance for a car when it hits or is hit by another car. This is considered minimum coverage and is required by most states.

Liability insurance

Liability insurance is another part of minimum insurance coverage which is required by most states. Liability insurance refers to coverage for damages which you caused and for which you may be legally liable.

Uninsured driver coverage

Some policies cover damage to the insured person’s auto if the other driver doesn’t have insurance or if the other driver is unidentified due to a hit and run accident. Coverage of this sort may carry many restrictions, read through it carefully.

Please get as many insurance quotes as possible to compare services and pricing. By doing so you will learn more about the insurance process and industry.

Here is a great place to get a free car insurance quote . Remember to get as many as you can in order to compare services and get the biggest bang for your buck.


Article Source:

Rate this Article: 
Simple method to get reliable and free cheap car insurance online quotes.
Rated 4 / 5
based on 5 votes

Related Articles:

Instant Car Insurance Quotes

by: Alex Cassidy (July 01, 2008) 
(Insurance/Car Auto)

Free Instant Auto Insurance Quotes

by: Elizabeth Morgan (July 25, 2006) 

Automobile insurance quotes US. Online, free and instant

by: Angelina Anderson (June 30, 2010) 
(Insurance/Car Auto)

Online Car Insurance Quotes- Free helpful Guidepost For What Is The Cheapest ..

by: Prince Kumar (July 20, 2011) 

Instant Online Affordable Liability Car Insurance Quotes

by: Frank Merrill, MBA (February 04, 2007) 

Car Insurance Quote - Things to Know to Get Very Cheap Car Insurance and Quotes

by: Greg Haehl (December 28, 2005) 

Free Car Insurance Quotes

by: J Thaker (June 02, 2008) 
(Insurance/Car Auto)

Get Car Insurance Quotes - Fast and Free

by: Kirk Somers (February 16, 2008) 
(Insurance/Car Auto)

Importance of comparing Life insurance rates and quotes the instant quotes ..

by: Shovon Joarder (June 20, 2017) 
(Insurance/Life Annuities)

Simple method to get reliable and free cheap car insurance online quotes.

by: Angelina Anderson (June 14, 2010) 
(Insurance/Car Auto)