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In the old days you had say for 20 or 30 years, if you wanted a car insurance quote, arrange an appointment with and meeting with agents give him information about you and your car. He would later a lot of paperwork and us then process immediately with you with a couple of days. Comparison shopping was virtually completely unknown: after all, you would want to see them, which had the best deal on car insurance multiple times? Probably not. Nowadays it is much easier to free insurance quotes online at low prices on car insurance to find by going online.

There are two ways that you free insurance quotes can get online.

1. Go to each car insurance website and fill the same information each time.
2. Visit a quote aggregator such as CheapCarInsurance.com to multiple car insurance quotes at the same time to get.

Option one is time consuming, and you can get the best price not by you directly to a car-insurance Web site. Sites like CheapCarInsurance.com have negotiated special rates with the same insurance companies, so if you buy on our site, you can actually pay less for the same policy, which could buy directly to the website of the company.

If you are quotes from several insurance companies, what can be difficult to keep it happy to you of each institution. Make up a simple spreadsheet in Microsoft Excel or another program and list any company you are considering to buy a policy. You can then columns for different things that you compare, like:

Total comprehensive policy CostA mount or collisions CoverageOther benefits, including discounts on StoresOther cover options, such as emergency roadside assistance

Colors you-each column for each insurance company either red or green, depending on whether you find the information useful or not. For example, if the insurance company offers A a great rate (make the green box), but it provides no assistance, that you want (the box make red), can you easily see, how many functions based on color search provides for this company.

Once you have finished, an insurance company is than the other box hopefully more green. This is probably the company that you buy from your policy.

There are several advantages to shopping to free insurance quotes:

You can compare prices and cover under different InsurersYou can see what some companies offer that others do NotYou can find great discounts, how good student or good driver discounts with many of the best insurance companies in the CountryYou can save hundreds of dollars in car insurance

Know car insurance companies with so many competitors they fighting for your business. Because the power to free insurance is now receive quotation marks in your hands, these insurers want to offer you to get special savings for your offer to CheapCarInsurance.com. We want to help save you, which is why we are in partnership with the best insurance companies in the nation, they offer hundreds of dollars in savings on car insurance have.

Get your free insurance quotes here, by adding a to the Get quote link above. Give us a little information about you, other drivers, you want that your vehicles and discounts, that, which you may be eligible for, to assure, and you will be delivered offers instantly to your Inbox. Happy savings from Santa!!

With the holiday season near, there would be more and more issues of speeding, parking, drunk driving ….. Remember the traffic police is also on the alert. They want to maintain safety and order and are there at the checkpost.

Different regulations prevail based on the state you live, but car insurance companies follow the same rules. Increase your car insurance based on the points on your license.

Think of it as working ahead for extra credit: In some states, you can soften the blow of your next ticket before the cop even pulls you over. Massachusetts, for instance, gives those with three years of clean driving a one-point break on their next violation. Virginia automatically cuts one demerit point for each year of ticket-free driving, and careful motorists can accrue points that may be applied to future tickets.

Virginia’s Department of Motor Vehicles offers this scenario, starring the usually careful “Molly:”

“For five years Molly followed all the safe driving rules and always obeyed the speed limit. She accumulated a safe driving point each year, for a total of five points. But, one day Molly ran a red light. DMV assigned four demerit points to her driving record. However, since she had earned five safe driving points, she ended up with one safe driving point left on her record.”

“It rewards those who become better drivers and helps us find unsafe drivers in advance, before they cause serious problems. We want to make sure you’re a better driver and our highways are safer for everyone,” says Virginia DMV spokeswoman Melanie Stokes. “It’s really about as simple as that.”

Authorities assess points as a negative indicator of your worthiness to drive, which is seen as a privilege. Based on a point total, a driver’s license can be suspended or revoked. The amount of points given for each violation varies from state to state; reckless driving, for instance, will saddle you with five points in New York, while Wisconsin adds six points for the same infraction.

Of course, most motorists don’t think about points until they’ve racked up a few, and then they worry as much about their  car insurance rates  as they do about their driver’s licenses. There are only two ways to take the sting out of a ticket: a long period of violation-free driving and traffic school.

If you’ve already got a few points, traffic school can keep you from racking up a license suspension or veering into “driver responsibility fees”–where states ;evy huge fees  on bad drivers.

Virginia and a few other states offer “driver improvement clinics.” Bad motorists take these courses either voluntarily or under orders from the DMV or a traffic judge. Stokes points out that the Virginia DMV will trim as many as five demerits for completing the eight-hour class provided by private, DMV-approved firms. You can take the class and qualify for point reduction once every two years.

Here are a few examples of how other states approach points:

In North Carolina, you’re assigned to a driver improvement clinic by the court or a “driver license hearing officer” after accumulating seven points. Three points are deducted after completing the course. Drivers can also voluntarily participate in a clinic once every five years to drop the three points. A driver license hearing officer reviews class results and determines if the points are cut.In Pennsylvania, drivers must take an approved training course after hitting six points on their record. But the good news is that two points are stripped from their record after course completion. Beyond the class, three points are removed for every 12 consecutive months (from the date of the last violation) a motorist is violation-free.Utah subtracts half of your accumulated points if you drive safely for a full year. If you drive without a moving violation for two straight years, all points are removed. Points are automatically removed three years after the violation.In New York, you can take a Point and Insurance Reduction Program (PIRP) course to subtract four points from your record. Points associated with a violation are automatically removed after 18 months.California automatically subtracts the demerit points for a violation after three years of safe driving. As with many states, driver classes are offered to remove a specific violation from your record shortly after receiving a ticket, but the state does not have a catch-all program similar to Virginia’s driver improvement clinics.

But it’s not the points that erase your opportunity for the cheapest car insurance , really; it’s the conviction itself.

Even in places that allow drivers to remove points from their driver’s license records, the conviction can remain for your insurer to see and base its rates on. The key is to use your traffic-school options to keep a conviction off your record in the first place.

The point system is a good one, says Pete Moraga, spokesman for the Insurance Information Network of California, because it gives auto insurers insight into who would be a risk. Higher premiums, insurers note, simply reflect the risks they must take on to provide coverage for motorists with problem records.

“In California, the fact that the point from a violation is removed after three years is a good incentive for people to be better drivers,” he says, adding that the option to take a driver improvement course is an additional positive.

Stokes also notes that Virginia’s point-reduction program helps guarantee motorists are insured when they take to its highways. The logic is simple: Some drivers may drop coverage, even though it’s illegal to do so, when faced with sky-high premiums. If they can lower their points, they lower their car insurance rates.

“You could argue that this keeps more insured drivers on the road,” she says. “You brush up your skills, drop points, show that you’re responsible and insurance companies are going to look quite favorably on that.”

Yes, your driving record is the key to getting cheap car insurance. Get your car insurance or auto insurance quote now.

Barbara walters : Snapshot car insurance form Progressive – what is the catch here? I would like to know about this for my teenager. I read your article on comparison of these sort of programs for teenagers  and thought I would ask you this…

 Snapshot Car insurance from Progressive: what is the catch?

Response : Barbara a lot of programs similar to snapshot have been started by insurance companies for teen driving discounts, teen drving monitoring, mileage montoring and they do contribute to teen saftey. As a parent of a teenager personally also I do approve of these progrmas- more from the point of their safety and picking up driving skills faster and snap shot is for all of us any age. Of course most of us are still not mature drivers.

Yes, Progressive almost tells you” Ready, have your auto insurance, to ride shotgun for a chance at a discount?” That’s the idea behind the progressive snapshot program.

“This is a new concept for car insurance.” “Allows you, the consumer, to share your trip around a discount”, says Richard Hutchinson progressive of the general manager of the usage-based insurance. “And it is a purely voluntary program.” “So you have to do it, if you don’t want.”

After he has connected to the mains in the computer system the snapshot transmitter device (most of the vehicles since 1996 have the required diagnostic port), monitors time day and speed, and the frequency of hard braking as many kilometres are driven. It also reports if the device is disconnected.

The idea is simple: drive carefully and save. Drive less save more. And if you travel during the peak hours accident (progressive says, which is between midnight and 04) avoid, save some more. The device must be to leave at least 30 days, with the option for a broader profile and perhaps installed a larger discount in more. The company claims that it is possible to have up to 30 percent.

Consumer ‘Snapshot’ concerns

Progressive says that the worst result of snapshot installation for an additional car insurance discount to qualify would become.

But some skeptics questions what is progressive with the information, which collects the electronic eavesdropper. They make to ensure that interest rates can actually rise if they are not good or that compromised their privacy can be, if the information is shared with others.

Marc Rotenberg, Executive Director for the electronic privacy information center (EPIC), says his group has still no specifically saw the snapshot program, but it has reservations, if gathered information for the consumers.

“We would be concerned that (collected information) could be passed on to third parties”, which could endanger the driver says Rothenberg. Another concern of privacy with these programs is that the information in advertising home or together with the police in connection with driving studies might be used.

Some potential customers share the suspicion that blind quest to could backfire the cheapest car insurance after.

Here is a typical comment from “Wildblueflyingbear” on SlashGear snapshot Forum: “() the program had probably relatively benign intentions.” But how large companies and the Government might change? There is much opportunity for mischief, if we give blind, up privacy rights, only, to a rebate check. It might work now, but later you could (sorry) the day that the progressive saw for the first time advertising. “

Progressive website addresses directly they ensure.

“No, snapshot will not increase your rate,” the company says, adding that “we parts snapshot data with a third party will not, if it, to the use your insurance policy is required to comply with fraud protection, performing searches, or the law.” “We will use not snapshot data to resolve a claim, unless you or the registered owner of the car gives us permission.”

Hutchinson adds that progressive can track where you go, because the device is not using GPS technology. The worst that can happen what he claims qualification is not for a discount.

A snapshot snapshot

These assurances were enough for William Parsons, recently took part and came immediately with almost 15 percent rate cut. “I have problems,” says Parsons, lives in New York. “After a week or so I forgot kind of, that it was there.”

Parsons, who in 2005 has a Honda Accord, says he is optimistic about what would qualify the results because he fits the profile of a driver for a premium cut. “I’m pretty anal, when I’m driving.” Slow and steady, 10 k miles per year. “

Parsons adds that he does not “very concerned” about the company, the a detailed report about him.

“When I was with a bad driver, I probably different would feel,” says Parsons. “But I would not sign up if this was the case.”

Progressive recommends that only cautious customers that much, or at least avoid the peak hours, should log accident.

Easy on the brakes

Although generally met, says Parsons, the brake monitoring seemed incompatible. “There were trips where I know I have not hard braking, but it showed that I’m not.” (Other times) I think I made them a little difficult, but I’m not sure whether she are registered. “Not really a big deal, at the end”, because he still got the discount.

“Linda FOSS,” a poster on SlashGear, had to brake issues. “I connected it to 2 days and was shocked by the number of brakes, hard it recorded,” she wrote. “Apparently they use your brakes my by ‘hard braking’.” I coast, most stops. But I tap the brakes from potholes and road patches the size of the Bremsschwellen. “I’m still hoping for a good discount, I will be going not much / far.”

Progressive, behind snapshot, say all the monitoring information, including statistics, braking is however exactly.

Snapshot in 39 States, with plans to offer it in more in the coming months currently is available, the company said. Here for a list of the participating States on progressive website.

Hutchinson establishes that has been the progressive fine-tuning the program for a few years; It is considered an improvement in the company’s MyRate program, which is a six-month registration may qualify for a discount.

“Snapshot easier to understand is as MyRate,” says Hutchinson. “We know from our research that this version will be more attractive because drivers, can… save money after 30 days” “Plus, only to us customers provide an overview of their drive for a contract, then they don’t have to worry about it anymore.”

These are just views on this and each of us has to decide what is right for us. Become a good driver and get good discount or you are a good driver and get you car insurance discount.

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brandon roy : What happens if a car gets totaled in a test drive? Have you heard of any incident like this ?

Car insurance : Totaled on the test drive: Who pays?

Response : A very interesting question. Car insurance for that matter insurance is always interesting though most people think it is a very dry subject. Since it touches most aspect of human life, you hear of all sorts of interesting incidents of accidents and claims. Car insurance and car accidents are no different.

Yes, I know of such an incident. It was 2008 when three students — or maybe four — walked onto the lot at GRT Motors, a used-car dealership in the Atlanta area. Steve Lang, the owner, was there to greet them.

The kids liked a 1992 Mazda Protégé and wanted to take it for a spin. As he usually does, Lang copied their driver’s license information before handing them the keys so they could take it for a test drive. He didn’t ask for proof of their car insurance .

Not every dealer will let you take a test drive without accompanying you in the vehicle. But Lang does. “People can always take a vehicle nearby for an inspection if they wish. That’s how it works,” he says.

The kids drove it for nearly an hour — into the next county, says Lang. They liked the Protégé. They phoned from the road to say they wanted to buy it. But it turned out they’d been driving with the emergency brake engaged all that time.

When they returned to Lang’s lot, the brakes were gone. Right in front of his eyes, “they took a corner and they literally slid across the street into a bush.”

He pulled the car out of the weeds and got it back to the lot. Two of the quarter panels were scratched. The kids, undaunted, wanted to haggle over the price of the car. Since it was damaged, they reasoned, he should bring the price down some. Lang chased them away and chalked it up to the life of a car dealer.

He paid $150 to fix the scratches and replace the brake line, fluid and a caliper rather thansee his car insurance rates go up for filing an insurance claim.

Who pays?

Not every test-drive misadventure ends so well. But here’s the question: If Lang had made the claim, would his insurance have paid? If you’re out on a dealer test drive and you wreck the car — or even total it — who pays for the damage?

It sounds like a complicated problem, but it’s not. Here’s a rule of thumb on car insurance: The coverage usually goes with the vehicle..

Generally, the insurance belonging to the auto’s owner — car dealers keep what’s known as a “garage policy” — is ultimately responsible for the claim, says Bob Passmore, spokesman for the Property Casualty Insurers Association of America.

That doesn’t mean you or your insurer won’t get stuck with the cost. It’s not unusual for a dealer to require you to sign a waiver before letting you drive one of his or her cars.

That’s because, while it’s not exactly common for someone to wreck a vehicle on a test drive, it’s hardly unheard of. An unfamiliar car, an implicit mission to test its limits: What could go wrong?

Waivers for test-drivers

Laws differ from state to state. In the states that allow it, the waiver asks you to agree that your insurance will be “primary.” If an accident happens, your insurance pays first.

Fred Buchi, a sales associate at Liberty Bay Auto, a used-car dealership in Poulsbo, Wash., says his company asks every customer to sign a waiver before test-driving a vehicle. “They sign a document showing that they have car insurance and that it would cover them on the test drive. If we didn’t do that, our insurance would be so expensive,” Buchi says.

Should you sign a waiver and wreck a test-driven car, “your liability coverage would pay for whatever you ran into with the dealer’s car,” up to your coverage limits, says CarInsurance.com consumer analyst Penny Gusner.

Suppose you have an old car and, in your quest for the cheapest car insurance , have just $10,000 of liability coverage and you crash into a Jaguar and total it, says Passmore. Your insurance would pay for the first $10,000 in repairs (or replacement cost.) After that, the dealer’s insurance pays.

Damage to the shiny car you wrecked would be covered by your insurer only if you carry collision coverage, and then probably only up to the actual cash value of the car you have insured, Gusner says. If you have a Civic and are test-driving a Lamborghini, you might have a problem.

The Craigslist scenario

What if the car you’re driving belongs to a private party — say, someone who advertised a car for sale on Craigslist? Suppose you’re out for a test drive and run the car into a tree. Now what?

Generally, the seller’s insurance is responsible if that happens, says Passmore.

That’s why, when you sell a car, you’d be smart to keep it insured. It’s tempting, if you’re not driving it, to let the coverage lapse and save money. But not only could someone hit it while it’s parked on the street, you also might need that insurance if a potential buyer bangs it up on the test drive.

Also, cautions Passmore, “Don’t cancel the liability coverage if you’re going to be operating it at all or letting someone test-drive it.”

That’s because, basically, “when you give somebody your keys, you give them your insurance,” Passmore says.

Yes. the key is always have your car insurance or insurance coverage on especially a car at all times- infact it would not hurt even when you are borrowing or renting a vehicle to find out about the car insurance on the vehicle.

Stay informed and get your cheap teen auto insurance quote here- now.

State Farm is the latest insurer promising fat discounts for anyone willing to install an electronic snoop in their car.

Called In-Drive, the voluntary program is similar to Progressive’s Snapshot . You stick a device in the vehicle’s diagnostic port, usually under the steering wheel (most vehicles from 1996 on have this), and State Farm monitors your driving habits. Participants could qualify for discounts up to 50 percent on their auto insurance premiums if the data shows what good drivers they are, says Kip Diggs, spokesperson for State Farm.

So, what does In-Drive track? How far you drive and when, how fast you accelerate and turn, and how hard you brake.

In other words, pretty much the same criteria used by Snapshot, which Progressive says can reel in up to a 30percent discount if the motorist is top-notch and doesn’t drive too much or during high-accident hours (the worst, the so-called “vampire hours,” are from midnight to 4 a.m.).

Missy Lundberg, a State Farm spokesperson, says that participants will immediately receive about a 10 percent discount on premiums for liability, medical payments, collision and comprehensive coverage. She added that up to a further 20 percent could be trimmed if you don’t go above the national average of 12,000 miles a year.

Additional discounts would come over time, depending on how safely you drive and when you drive. Customers can track their performance, and the progress of discounts, at State Farm’s website. Progressive’s Snapshot users can do the same.

The OnStar connection

One of the big differences between these insurance giants’ usage-based programs is that Progressive’s Snapshot is just that, a temporary peek at your driving habits used as the basis to calculate your rates. After six months, you unplug the device and ship it back.

State Farm takes the game a step further by wrapping In-Drive inside OnStar, the popular onboard telematics device until now found mainly on General Motors cars. OnStar provides one-touch emergency response, roadside assistance, help locating a stolen vehicle, vehicle diagnostics alerts and maintenance reminders, and family-friendly features like mapping and speed alerts.

“This combined offering represents a first in our industry,” says Mike Wey, State Farm’s senior vice president. “It will provide … for a smarter vehicle and even smarter driver.”

The OnStar/In-Drive combination reports data for as long as the motorist chooses to have the program on his teen auto insurance policy , allowing State Farm a longer-term look at a driver’s habits.

In-Drive is currently offered only in Illinois, but Diggs says more states will be added next year. The insurer plans to announce exactly which states in the coming months.

Despite the discount promise, the devices do come with a price tag, mostly for the OnStar service. Diggs says the package is free for the first six months after a $10 activation fee. After that, there’s a $5 to $15 monthly charge, depending on the extent of the OnStar service.

If you were to buy OnStar separately, General Motors and Best Buy offer a stand-alone unit that costs $300 plus $75 for installation and $199 for an annual subscription.

Discounts versus privacy

Some wonder what State Farm and Progressive will do with the information gathered in pursuit of discounts — and worry that privacy could be compromised if the information is passed around.

“I’d probably go for it, but I’m a very careful driver,” says Jessica Ruiz, who is insured by another carrier but might give State Farm a look because of In-Drive. “I imagine I’d qualify, but it makes you feel uncomfortable that they are creating a file on you. … Doesn’t everyone know too much about us already?”

Another motorist, David Sanderson, was also concerned about In-Drive’s intrusiveness. But he, too, loved the possibility of a discount and the OnStar advantage. “I’m sort of feeling like giving up (on the privacy issue) because it just seems hopeless for the consumer,” he says. “I’ve already looked into (Snapshot) and will probably look into this one (In-Drive) as well.”

For privacy details, State Farm representatives point you to the company website, which says the insurer “may share policyholder information as required or permitted by law and as stated in the State Farm Privacy Policy, as amended from time to time. State Farm will not sell your information to a third party.”

Marc Rotenberg, the executive director for the Electronic Privacy Information Center (EPIC), says his group hasn’t investigated programs such as In-Drive or Snapshot in great detail, but red flags go up whenever information on consumers is compiled.

“We’d be concerned that (gathered information) could be shared with third parties” that could compromise the driver, Rotenberg says.

Sharon Goott Nissim, EPIC’s consumer privacy counsel, was more specific, saying that the information could be used in advertising targeted at consumers or shared with the police in driving-related investigations, especially those involving accidents.

“There is the question of how this collected data is retained,” she explains. “We don’t know how the company is dealing with this data — they could be turning the data into your (driving) score and then discarding the raw data as they use it to update the score.

“However, they could also be retaining the data,” Goott Nissim says. “They could be disclosing the data to commercial partners, particularly locational data, which is very valuable to advertisers. Also, law enforcement may seek out data — and insurance companies may be willing” to give it.

The views and opinions expressed herein are the views and opinions of the author Kamlesh.

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