Auto Insurance Basics

Imagine Tom is driving without valid auto insurance and meets with an unfortunate accident. The person on the other end meets with severely debilitating injuries. The accident victim files a lawsuit against Tom and wins on charges of negligence and a $1 million judgment against him for injuries, medical treatment (that item alone can cost you your life’s savings), lost wages, future employment, emotional damages, and more.

All of this may be in addition to violation of state law for driving without insurance. Not only are all of Tom’s life savings at risk, his assets and personal property may be at risk as well if Tom does not come up with the payment to satisfy the judgment. Had Tom obtained valid auto insurance, he could have saved a great deal of turmoil.

Sure, driving with valid auto insurance is mandated by most state’s regulations, but it is also a common sense alternative to paying for accidents on your own.

If you are looking to purchase, switch, or renew your auto insurance, DontSpendMore.com has compiled a list of auto insurance providers you can work with. Out comprehensive list of auto insurance companies will not only shorten research time, they can save you hundreds of dollars in auto insurance costs by simply comparing multiple offers.

Keep the following tips in mind when you are shopping for free auto insurance quotes:

1. Raise the bar on the deductible. If you are willing to pay a higher deductible, your auto insurance company may offer you a lower insurance premium.
2. Ask for lower mileage discounts. If you are car pooling or taking the subway instead of your car, speak to your auto insurance provider about low mileage discounts. If you don’t drive very frequently you may come across as a lower risk from the perspective of auto insurance companies and that may result in additional savings.
3. Compare multiple providers. Requesting free auto insurance quotes from multiple companies is probably a no-brainer. Comparing multiple auto insurance quotes is probably the easiest way to save on insurance.

Work on safety dynamics. If you were an insurance company, wouldn’t you want to reward drivers who appear less risky? Well, the logic is simple. The less risky you are, the lesser money the insurance company may have to spend on you. Consider improving safety features in your car, signing up for defensive driving classes, and undertaking additional remedies to reduce the overall risk.

Purchasing auto insurance can be as simple as count one through three

1. Compare our pick of auto insurance providers. Well, we have gathered a detailed list of auto insurance companies. Ask them for a free auto insurance quote.
2. Compare the quotes. Compare offers from all the auto insurance companies in order to determine the one that best suits your needs.

Sign up. Based on the results, sign up with the company that best matches your needs. It is that easy! Just 1, 2, 3.

Protect yourself from auto insurance scams

- Prices could be deceptive. If an auto insurance company provides a quote that appears deceptively low, do verify the company’s status with your Better Business Bureau if the company has any reported violations.
- Verify license. Contact your state’s insurance department to ensure and verify whether the company is licensed. Most states would have a website that would allow you to research the status of your auto insurance company and agent are duly licensed.

Click here to find out how to save money on Insurance - Auto, Home, Health, Life, Personal Insurance

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