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Auto Insurance Policies and Auto Insurance Companies vary greatly within the industry, but there are often a few common factors among most insurers that play an important role in determining how much you pay. This article is a guide to helping you understand some of the common factors that go into Auto Insurance to help you find a better quote.
First, be aware that auto insurance quotes vary widely from company to company. There are a few reasons for this:
All Insurance policies are not created equally: Generally, you get what you pay for. There are higher quality policies that cost more.
Some policies automatically include the bells and whistles as well as extra services that some of their competitors don’t provide.
The quality and efficiency of the insurance provider: The more cost efficient the insurer is at handling their business (sales, claims, actuarial accuracy, selection of the insured, etc) the more affordable the insurance is. Usually ‘big-name’ insurers are the most efficient with their funds.
This is why is it is so important for you to shop around for the auto insurance policy that is right for you.
Pricing Factors
Factors that may affect the price you pay for auto insurance coverage that are common among insurers are:
The Policy you Buy
How many coverages do you buy?
Of the coverages, how much do you want?
How much is the deductible you are comfortable paying?
The Car you Drive
In General, the more expensive the car, the higher you will pay for coverage.
What you use your car for
Generally, insurers require higher premiums for cars that are more at risk or susceptible to damage or occupant injuries.
Do you use your car for work? What line of work are you in? If your car is exposed to more risk of damage you may end up paying more.
Where do you drive your car? Because vandalism, theft, and accidents occur more often in small towns and rural areas, these drivers will pay more.
How much you drive
Long distance commuters generally pay more because they are exposed to more risk of accidents.
Your driving record
If your record is spotless, expect to pay less than someone who is accident prone.
Your age, sex, and marital status.
Accident rates are higher among younger and older individuals. This is especially true for single males under the age of 25.
Your Credit History
Insurance companies use your credit history as a predictor for future auto insurance claims. A better credit history generally means paying less.
Discounts
Be sure to ask for discounts if you are:
Insuring more than one car
Accident Free
A good student

Geico auto insurance is an extremely well known insurance company. They are an inspiration to all insurance companies whether they want to admit it or not. Geico is famous for their adorable talking Gecko in their commercials and more currently, the cavemen. They insure everything from motorcycles, automobiles and even boats.
Geico is considered a leader in insurance, and provides insurance to hundreds of thousands of people, but this company may not be what you’re looking for. But, if you are looking for a great insurance company, Geico would be a smart decision.
Geico is an acronym for Government Employees Insurance Company. Geico was founded by Leo and Lillian Goodwin in the 1930’s during the Great Depression. The company soon surpassed its competition and became one of the best companies in the United States as well as multiple other countries. Geico is the type of country people dream about having.
Some things you should know about Geico:
• Geico is rated the #1 property casualty insurer.• Geico is #3 in the U.S. for customer satisfaction• Geico was rated superior by consumers in 2007• Rated #1 as the most desired insurer• Geico has AAA’s across the board
Geico is a very reliable company, but what do they have to offer?
Geico has many discounts including multiple car discounts, discounts for cars with airbags, seatbelts, etc., and discounts for a membership in one of almost 300 organizations. Geico also has great customer support. Including 24/7 services on phone and online, and claims are settled fast and fairly. When choosing car insurance, it is important to know what they offer.
All in all, Geico exceeds standards in car insurance. They have very low rates and great customer satisfaction. If you want the best insurance, then Geico is a good option for you. But, there are other companies out there that you can be just as satisfied with and that offer cheaper rates. I know Geico is tempting, and there is no reason why you shouldn’t think about Geico, but Geico isn’t your only option.
Research is very important. Look at other insurance companies like Allstate that provide great car insurance as well. Everybody knows they need car insurance, but it’s best to choose a company that will make you happy in the long run.

What is the car total loss process? Once you are in an accident, the insurance company must inspect the vehicle and determine whether the damage was substantial enough to declare a complete loss.
Most insurance companies will want to inspect the vehicles themselves. In most accidents, insurance companies have approved body shops write estimates and they eventually issue payment based on that estimate. However, when there is a potential for a car total loss, most insurance companies want their insurance adjuster to inspect the vehicle.
The reason for this is the conflict of interest that arises from the arrangement between the insurance company and the body shop. Body shops are in the business of fixing cars. They have a vested interest in quoting the repairs so the car can be fixed and not declare it a car total loss.
For all practical purposes this means that you will be waiting longer. Usually it takes two to three business days for the body shop to issue a repair estimate. If the claim adjuster or the field representative has to inspect and write their own estimate, then you will be waiting three to five more days to get to the location of your car.
Before the adjuster comes out, she/he will submit all pertinent information about your car (year, make, model, and mileage) to a third party company. This company usually is CCC Information Services Group, Inc. CCC will do a preliminary report to determine what the value of your car is so the adjuster knows what the insurance company would be looking to if there is a total loss.
Depending on your state law and the specific insurance company, there will be a car total loss when the insurance company believes that the cost to fix the car reaches 70%, 80%, or even 90% of its total value. It is always a good idea to ask the adjuster what is the threshold they use to determine a total loss.
When the vehicle is being estimated by the car total loss adjuster, this individual will be looking at the condition of the vehicle. They will note how “clean” the vehicle is, what is the exact mileage, and what equipment and options the car has. All of this information will be reflected in the final evaluation of the vehicle.
Next, the adjuster must determine who the lien holder of the vehicle is. If you have a car loan, the insurance adjuster must get that information so they can contact the bank to determine how much is owed. There are different requirements insurance companies must follow. If the insurance company you are dealing with is your own (you are claiming the car total loss against your own insurance company) then they will be bound by the terms of the policy, which 99% of the time requires them to pay the bank first. If you are making a total loss against someone else’s insurance company (the person that hit you), then this requirement does not exist (there is no actual policy to be bound by).
If you have a loan, then the insurance adjuster will request from the bank a Letter of Guarantee. This letter is an agreement between the bank and the insurance company that for the payment of x amount, the bank will release the title of the car to the insurance company directly. This process usually takes four to five days.
If the amount you owe for the car is less than what the insurance company will pay for the car total loss, then the insurance company will pay the loan amount and then issue you a second check directly. If the loan amount is higher than what the car total loss offer, then you will be upside down your loan. You will be required to continue making payments even though the car title will be transferred to the insurance company.

Auto Insurance quote related information are strange to many car drivers and owners. Many don't really understand how to get the insured and their investment (car) insured, and many that do understand pays unnecessarily high charges. This page answers relevant questions on car insurance quote it's a real value to all vehicle drivers.
What Is Auto Insurance:
It is the insurance coverage for damages done to your car as a result of accident depending on your type of coverage, your insurance company may pay replacement cost of new car; some make, same model, same equipment. All the terms will be stated in your auto insurance quote.
How Does Auto Insurance Benefits Me:
By making you capable of covering loses and replacing your damaged vehicle in the course of accident without stress. Since accident is unpredictable, when you buy auto insurance, you are practically saving for the raining day.
What Does It Cover:
An auto insurance policy covers a lot of areas ranging from; liability, bodily injury, uninsured motorist coverage personal injury coverage, medical coverage, collision, comprehensive, etc.You are to choose what you want your policy to cover. On this your auto insurance quote will be based.
How Will I Be Charged:
Your insurance company will charge you based upon some set risk factors which include; the type of car you drive, your age, where you live, mileage, accident record etc.The higher the risk the
I Have Record Of Accident, What Can I Do:
Accident is a risk that insurance companies want to avoid, because that is when you can make claim. To free yourself from the hook, take an advanced driving course to prove to them that you have acquired skills and ability to drive safely, give yourself a few years of driving to prove to them that you now have a clean record.
How Can I Register:
Look around for value-driven insurance companies and compare their charges, discount, and other things that they offer.The best place to do this is on the internet, where you have access to many companies for comparison. Pick the one that will work for you, fill their forms, submit it, and get your auto insurance quote.
How Can I Get A Discount:
By doing those things that will make you a less risk, like multiple policy, Defensive driver course, increasing deductibles, driving a lower rated car, etc.
What Are Premium, And Deductible:A premium is the charges you are to pay monthly to your insurance company as stated in your car insurance quote, to show that you are committed to the policy. A deductible is the amount you agreed to pay when making claim, before your insurance company come in to cover the damage. The more your deductibles, the less your charges.

This article will give you some basic understanding of how car insurance works and some different rights and options you have when shopping for car insurance. You will also find some common frequently asked questions regarding car insurance.
In most states, you are required to carry auto liability insurance (or post a bond) and provide proof of insurance before you can license your vehicle or renew your driver's license. If you are caught driving without insurance, you may have to pay a large fine and have your driver's license suspended.
Most states require drivers to carry minimum liability coverage. In many cases, the required minimum coverage may not be enough to pay for all the damages that result from an accident and the driver will have to pay the additional expenses out of pocket.
What coverage’s do I need?
In case you're involved in an accident, auto insurance provides financial protection for you and your family. It pays for the damage and injuries caused by the accident and for repairing or replacing your vehicle if it is damaged or stolen.
Types of Auto Insurance Coverage’s
There are many different types of auto insurance coverage’s for you to choose from.
• Fault or No-Fault - Depends on state law.• Collision - Pays damages to your own vehicle.• Comprehensive - Pays for losses from fire, theft, storm, etc.• Deductible - The amount of a covered loss you agree to pay.• Bodily Injury - Pays for injury to others when you are at fault.• Property Damage - Pays for property damage when you are at fault.• Medical Payments- Pays for your own or your passenger's medical expenses.• Personal Injury Protection - In no-fault states, this covers a broad assortment of medical expenses.• Uninsured/Underinsured Motorist - Coverage for you if other driver is not insured or is underinsured.
In addition to basic auto insurance, consider these optional services to provide added protection for your vehicle:
• Emergency roadside assistance and towing service• Windshield glass repair service• Car rental reimbursement
What does “full coverage” mean?
The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that everything is covered no matter what happens.
Your auto insurance policy declaration page lists the coverage’s you have selected.
Will my policy be cancelled if I have an accident?
Generally, being in an accident will not cause your policy to be canceled. However, after the facts of the situation are reviewed, you may be required to pay a higher premium for your policy upon renewal.
Am I covered if I drive someone else's vehicle?
Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply first toward damages. Your auto insurance would generally apply in the event the owner of the vehicle had no auto insurance or did not have enough auto insurance to pay the damages.
If I rent a car, do I have coverage?
Car rental companies charge daily fees for "CDW" coverage (which means their insurance will pay for all damages covered in your rental agreement). Rental car coverage under a private passenger policy varies state by state.
What is Optional/Add-on Equipment coverage?
Under the Comprehensive and Collision portion of your policy, optional equipment (a CD player for example) is covered only if permanently installed in the opening of the dash where the manufacturer would normally install such equipment.
An endorsement is available to provide coverage for optional equipment not permanently installed in the dash and for theft of items such as tapes, discs or other equipment designed for the reproduction of sound.
What can I do to keep my auto premiums down?
A couple quick ways is to simply check to see if you're eligible for any discounts such as claim-free, driver education, auto/home or multi-car.
Ask how much you can save by increasing your deductible.
Why Do Auto Insurance Premiums Change?
Ever wonder how insurance companies determine your premium? Auto insurance premiums change for the same reasons that the price of other goods and services you buy change.
The prices of the goods and services that insurance companies buy affect the prices they charge. Costs affecting the ultimate price of auto insurance are:
• Medical costs to treat injuries • Auto repair costs • Costs to adjust claims • Inflation • Uninsured drivers (your policy pays when other drivers don't have auto insurance if you purchase Uninsured Motorist coverage)
Although insurance companies can't directly control these costs, we regularly monitor them to see how they are affecting the costs of the claims we pay. As they change, auto premiums must be adjusted. These costs can affect your auto insurance premium whether or not you individually have had an accident or claim.
Changes you make to your auto insurance policy or coverage's may also change the premiums. Adding or removing a driver, buying a new car, moving to a new location or changing how you use your car may influence the cost of your auto insurance.
Where do Risk Assessment Indicators come from?
Risk Assessment Indicators are based on information from consumer credit reports from one of two institutions: Choicepoint or Trans Union, to develop a customer's Risk Assessment Indicator.
Information used may include:
• Length of credit history • Late payments, collections
What's not included in a Risk Assessment Indicator?
Risk Assessment Indicators do not use the following information:
• Ethnic group • Marital Status • Religion • Nationality • Age • Familial Status • Income • Disability • Gender • Address
Can I improve my indicator and, if so, how?
You can improve your indicator over time by using credit responsibly. A Risk Assessment Indicator is a snapshot of your insurance risk based on information in your credit report. If you need assistance with understanding your credit history or advice on using credit responsibly, you should contact a qualified credit counselor. It's also a good idea to periodically obtain a copy of your credit report from the major credit bureaus to check for any inaccuracies.

When you buy a car and it is new it usually comes with car warranty insurance. Most cars will come with at least 3 years or 36,000 miles of protection for the car. This is based on the fact that the manufacturer feels that a brand new car will not have any mechanical problems within that time period and if it does than it probably was caused by production of the car. After the initial warranty is up you must make a decision if you want to add an extended warranty or if you want to take your chances and pay for any repairs or break downs that may occur.
A car warranty insurance policy can protect you from potential breakdowns when your car starts to show signs of wear and tear. If you follow the manufacturers suggested maintenance schedule you can lessen the chances that your car will experience mechanical problems and issues. But this is no guarantee that you will not have to come out of pocket to pay for repairs.
When you are considering getting a quote for car warranty insurance than one of the biggest factors will be how much potential for the major parts breaking down. If you only have small breakdowns and repairs than the cost of a warranty may not make sense but if you experience loss of the motor or transmission this can be a significant cost, if you are not prepared for the cost of major breakdowns than it can be a shock to your financial situation. Getting a car warranty insurance will protect you from unexpected cost associated with mechanical breakdowns for you car.
If your car is past the original warranty you can still get car warranty insurance for you car. You want to make sure you get several quotes and compare the coverage's so that you know what will be included. A third party warranty company can save you a lot of money over getting an extended warranty from the manufacturer. But you should get a quote from the original manufacturer and several from third party companies to compare the pricing and coverage to make sure you are getting the best price.