Saving Money on Car Insurance

If you belong to an organization such as AARP, or to certain credit unions or banks, you’ve likely received flyers in your mailbox before saying you’re eligible for exclusive discounts with certain insurers just for being a member. For example, AARP is affiliated with insurers like The Hartford, Foremost Insurance, New York Life Insurance, and Real Legacy Assurance Company. And Nationwide Insurance offers discounts to members of a variety of credit unions, such as Truliant Federal Credit Union, American Heritage Federal Credit Union, and others. So you’re a member of a credit union, auto club or other social organization, but you’re not sure whether your membership qualifies you for one […]

Every car insurance company offers so many different discounts for different drivers and automobiles, it can be dizzying trying to keep them all straight. First Quote Insurance has painstakingly compiled all of the various discounts for the top car insurers nationwide to make your shopping as easy as possible. Hover over any * for more detailed information. State Farm Allstate GEICO Travelers Nationwide Progressive USAA Hartford MetLife Liberty Mutual Farmers Good Student *Up to 25% *Up to 20% *Up to 15% *Up to 15% *Up to 15% Multi-Vehicle *Up to 20% *Up to 25% Loyalty Multi-Policy *Up to 17% *Up to 10% *Up to 20% *Up to 25% *Up to […]

It’s a rare situation, but sometimes drivers need car insurance on a temporary, short term basis. What if you want to borrow your brother’s car for the weekend? Or maybe you store a classic car that you want to take out on the next sunny day for a joyride (but not a speeding ticket, deal?). In these situations, short term car insurance is the way to go. Insurers are quick to remind you that short term car insurance is more expensive than the rate you’d expect for the typical twelve-month policy. But this ‘temporary insurance’, as it’s commonly referred to, can still be had at bargain bin prices. If you […]

If you ask me, everything is easier online, except maybe getting a good workout. The web has revolutionized the way we get the products and services we need. When you go online, you don’t have to sit on hold waiting for a customer service representative, you don’t have to take time off work to fit the company’s office hours, and you worry less about running into a poorly-trained worker because everything is automated. It’s not everyone’s cup of tea, but it works for me. When It Makes Sense to Get Quotes Online If this is your first time insuring a car, going online might not be ideal. Talking to a […]

We all like saving money, some of us more than others. And when it comes to necessities like car insurance, no one wants to pay more than they have to. One of the best ways to save on car insurance is to compare car insurance premiums from several companies before you buy, but the figure at the bottom of the page doesn’t tell the whole story. Here’s what you should know about comparing rates before you commit to buy. Gotcha’s To Watch For When you shop for car insurance, you’ll get a few quotes, all urging you to focus on the bottom line – the annual premium you’ll pay if […]

Many factors determine how much your car insurance will cost, and you may not have control over every single one. There are some ways to combat high monthly premiums though, and driving a safe vehicle is one of them. It makes sense for auto insurance companies to reward safe vehicles. For the past few years, there’s been an average of 30K auto accident related deaths annually on American roadways. Even though that ever-changing number has been declining over the years, it pays to reward drivers for making safer investments. Of course, not everyone has the means to buy the newest vehicle on the market. However, by understanding the safety tests […]

Government workers enjoy many employment benefits, and they can get car insurance discounts as well, saving them up to 10 percent. But contrary to what you might guess, these discounts aren’t given as a special favor. Government employees get car insurance discounts because they tend to be better drivers. The Only Game in Town for Government Employee Discounts Only one company advertises discounts for government employees, and that’s GEICO. Did you know that GEICO is short for Government Employee Insurance Company? It was founded by Leo and Lillian Goodwin in 1936. Goodwin realized that if he was to find success with a new business during the Great Depression, he had […]

Discounts are awesome, but car insurance discounts can seem especially hard to get. Many of us have wondered if there isn’t some trick to finding them. Sadly, there are no tricks; but there is a strategy to finding the best car insurance discounts and getting a great deal. The process is simple: First, investigate the array of discounts offered and which ones you might qualify for. Next, ask around for discounts with confidence. Finally, see what you can do to optimize your situation and pick a policy. That’s it. Now let’s go through those steps… 1. Investigate There are lots of car insurance discounts. Getting good grades? Get a discount. […]