Getting Discounts From Your Auto Insurance Company

Insurance claims are expensive and take a lot of time, so many people opt to buy a new car without insurance first. However, if you decide to go that route, you'll be paying more on your auto insurance policy than your vehicle is worth at a later date. That's why it's important for drivers to save up money for repairs by getting discounts from their insurance company.

To find out which discounts you can receive from your auto insurance company, contact the customer service department. They'll tell you what discounts you qualify for and how to apply them.

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Experts say that in order to keep a new car on the road for the long term, consumers need to buy it with full coverage in place. This includes third party liability insurance policies as well as collision damage and comprehensive coverage.

For most drivers, car insurance costs are generally an unavoidable expense. Insurance companies charge customers based on how much risk they pose to other vehicles on the road. In addition, some individual factors like age and driving record also play a part in determining how much a driver will pay for coverage from their provider. These factors may increase or decrease expenses for drivers depending on their situation.

Published: March 19, 2013 at 5:00 am by  Auto Insurance Blog Article Source:

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Drivers who are seeking affordable auto insurance have numerous options when it comes to choosing a policy and a provider. Insurance companies can be categorized in a variety of ways, including reputation. There are many respected and reliable providers of auto insurance policies according to policyholders past experiences and ratings given by other drivers.

Here are 5 reputable auto insurance companies which seek to earn your business and continue building their good name.

The table below compares auto insurance quotes from the five best rated auto insurance companies for you to be able to choose the one that best fits your needs.

1. Mercury Auto Insurance

Mercury, often called one of the nation's top car insurance companies, has been in business since 1982. It provides auto insurance in all 50 states and Washington D.C., and also offers boat and home insurance policies as well with competitive rates.

One of the many reasons customers give for their positive experience with Mercury is how responsive they are when any questions or concerns arise. The company has a reputation for great customer service, and even better coverage plans at very reasonable prices.

Interested parties can review an array of Mercury's coverage plans here .

2. The Hartford Auto Insurance Company

The Hartford is another company long on reputation, with a history of providing top auto insurance and excellent customer service to policyholders. Since 1889, The Hartford has been providing coverage to drivers across the country, including New York and New Jersey where they are one of only two providers available.

One of the reasons customers consider The Hartford their first choice is their low rates and affordable policies for drivers with less than perfect driving records. They try to accommodate as many different lifestyles as possible in an effort to make their policies affordable for as many people as possible.

The company can provide you with a free quote directly from them .

3. State Farm Insurance Company

The State Farm company has been in business since 1922, and according to consumers who have done business with them, the company provides excellent customer service. Many policyholders claim that the State Farm agent that they were assigned to was responsive and friendly. They also were pleased with how quickly their claims went through due to their high level of professionalism and customer service qualities.

The State Farm insurance products are available in all 50 states and Washington D.C., as well as Bermuda, the Caribbean Islands, Hawaii, Puerto Rico and the Virgin Islands.

4. Allstate Auto Insurance

Allstate is a nationwide provider of auto insurance policies, providing coverage for drivers in all 50 states plus Washington D.C., Guam and Puerto Rico. It has been in business since 1931, and according to many customers who have done business with them, they are quick to respond to questions and claims.

After a recent customer survey, Allstate's popularity has only increased and they continue to give excellent service to their customers. Interested parties can request a free quote directly from the company .

5. American Family Insurance Group Inc.

The American Family insurance policies are available in all 50 states except New York and Massachusetts. They have been in business 75 years, but are one of the few providers that don't increase rates for drivers with less than perfect records even after an accident or ticket.

American Family Insurance is also a top choice for customers who have served in the military. They offer special discounts to military personnel and their families.

Policies are available from American Family here .

These 5 companies have established themselves as top auto insurance choices for many drivers. Use the links above to find out what these companies can do for you when it comes to choosing a policy and a provider.

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It's no secret that buying a new car is an expensive venture. In fact, for most people, it's the second biggest investment they'll ever make. While the price may be steep, there are ways to save on a new car purchase and get great deals.

Read on to find out how to get great deals on a new car.

1. Check Used Car Prices

Used car prices have been steadily climbing for many years, outpacing inflation rates. You can take advantage of this by trading in your car and using the equity in it to finance a portion of the cost of your new car purchase. Many people fail to consider this option because they believe that their trade-in value is low and won't be able to cover much of their new vehicle's price tag.

Conclusion:

While your total price may be higher with this option, compared to buying a new vehicle outright, you won't have to pay for a car payment each month and you won't have to put as much down. If you're able to sell your current vehicle for more than the amount of the trade-in, go ahead and do it.

2. Hire A Professional

Use The Car Buying Process Formula!

One of the best things about buying a new car is that you can afford to visit several dealerships in order to get a deal that is right for your budget and your lifestyle. There are, however, many misconceptions about how the buying process should work and what kind of information should be accessible at each step.