Are Men Better Drivers?

Are men better drivers than women? Are women better drivers than men? The answer could depend on whom you are talking to! However, in the world of insurance, statistics do the talking.
Here's the bad news (or good news, depending on your gender): you'll find it very difficult to find any documented proof that men are better drivers than women. Further, your gender does play a role in how much you pay for your insurance. Generally, the biggest impact is on younger drivers, but if you are a male driver between 18 and 25, you will pay more.Why would young males pay more? Well, many auto insurance experts would agree with the theory that males, especially young men, tend to drive more aggressively than women. In addition, men will tend to display their aggression in a direct manner, rather than indirectly, which can lead to more road rage incidents. Finally, again in general, male drivers are more likely than women to break the law, with males being greater risk takers. The weight in pricing varies from company to company and by claims experience over time, but, with all other factors being equal, a female between the ages of 18 and 25 would pay less than her male counterpart because as a rule younger women drivers have fewer accidents and moving violations than males in the same age group.
Unfortunately, these statistics seal the fate of a young male driver and his high premium. Figures compiled by the Insurance Institute for Highway Safety (IIHS) show that more men than women die each year in motor vehicle crashes. Individual insurers will not just use outside statistics for their underwriting purposes, but will also use their in-house statistics, which often show more driving infractions of all kinds in a higher percentage among younger male drivers.
However, young female drivers should not be sighing in relief about their rates just yet. More recent statistics show some disturbing trends. The number of female deaths in car crashes has increased over the 28 year period from 1975 to 2003, while male deaths have declined in the same period. Women are starting to drive more aggressively, perhaps picking up bad habit's from their male counterparts.
If such trends continue, the insurance cost gap for younger drivers could close. Don't expect any changes in the next few years. But if the trend to more aggressive driving among females does continue, the gap will close; unfortunately, it will be for the wrong reasons

Auto Insurance Definitions

Accident
An unforeseen, unintended event; something unexpected; fortuitous.
Accident Frequency
The number of times an accident occurs. Used in predicting losses upon which premiums are based.


Actual Cash Value
An amount equivalent to the replacement cost of a stolen or damaged property at the time of the loss, less depreciation. For vehicles, this amount would be determined by a local area private party sales and dealer quotations. Kelly Blue Book would only be used as a guide and not the final word.

Actuarial
Statistical calculations used to determine insurance rates and premiums, based on projections of utilization and costs for a defined risk.
Actuary
A professional trained in the mathematics of insurance and risk management. Known as a mathematician in most countries outside the United States.
Act of God
Natural occurrence beyond human control or influence. Such acts of nature include hurricanes, earthquakes, and floods.
Additional Insured (Additional Interest)
An organization or individual that is protected under someone else's auto insurance policy, such as a leasing company; exists for liability purposes.
Additional Interest (Additional Insured)
An organization or individual that is protected under someone else's auto insurance policy, such as a leasing company; exists for liability purposes.
Adjuster
A person who investigates and settles insurance claims.
Administrative Costs
Costs related to utilization review, insurance marketing, medical underwriting, agents' commissions, premium collection, claims processing, insurer profit, quality assurance programs and risk management.
Admitted Company
An insurance company authorized to do business in a given state.
Age Limits
The ages below or above which the insurance company will not issue a given policy or renew a policy in force.
Agent
A person who sells insurance products of the insurance company; the person responsible for your insurance coverage needs.
Alien Insurance Company
An insurance company incorporated under the laws of a foreign country .
Anti-Theft Device
A device designed to minimize the chance that an automobile will be vandalized or stolen, or to hasten it's recovery. Alarm systems, keyless entry, and motion detectors are a few examples that could affect insurance premiums.
Assigned Risk
A risk assigned to insurers by law, which they may not otherwise accept.
Automobile Insurance
Coverage on the risks associated with driving or owning an automobile. It can include collision, liability, comprehensive, medical, and uninsured motorist coverages.
Automobile Insurance Plans (2)
Assigned risk plans, set up by the state to assist those who cannot obtain standard insurance. See Assigned Risk.
Auto Insurance Premium Discount
A discount offered to drivers for such safeguards as air bags, seat belts, good driving record, anti-theft devices, multiple vehicles, etc.
Basic Auto Policy
Still covers substandard risks, two-wheel motorized vehicles, and commercial vehicles; has been largely replaced by the Basic Auto Policy, which covers both physical damage and liability insurance.
Basic Limits of Liability
The lowest level of liability coverage that can be purchased, as determined by law. Increased coverage, with increased premiums, is available.
Binder
A temporary or preliminary agreement which provides coverage until a policy can be written or delivered.
Blue Book (Red Book)
A publication used for the determination of values for used automobiles and trucks.
Bodily Injury Liability
Legal liability for causing injury or death.
Cancellation
The termination of insurance coverage during the policy period.
Claim
A formal request for payment of a loss under an insurance contract.
Claimant
The first or third party. That is any person who asserts right of recovery.
Clause
A section or paragraph in an insurance policy that explains, defines or clarifies the conditions of coverage.
Collision Coverage
Insurance coverage which pays for damage to the policyholder's car caused by collision.
Combined Single Limit
Bodily Injury and Property Damage coverage, combined as a single amount.
Commission
Paid to the insurance agent as compensation.
Composite Rate
A uniform premium applicable to all those eligible in a subscriber group, regardless of the number of claimed dependents. This is common among plans purchased by large employer groups.
Comprehensive Coverage
Coverage in automobile insurance providing protection in the event of physical damage (other than collision) or theft of the insured car.
Continuous Coverage (Continuous Liability Insurance)
The length of time in which insurance has been maintained on a particular vehicle.
Continuous Liability Insurance (Continuous Coverage)
The length of time in which insurance has been maintained on a particular vehicle.
Customized Equipment (Special Equipment)
Items not covered under standard auto insurance plans, such as electronic equipment, aftermarket exterior pieces, or additional interior amenities.
Decline
An insurance company refuses to accept the request for insurance coverage.
Deductible
The amount of the loss which the insured is responsible to pay before benefits from the insurance company are payable. You may choose a higher deductible to lower your premium.
Defensive Driving Course
A driver improvement course, offered privately or through the Department of Motor Vehicles, which may reduce premiums for some drivers.
Depreciation
A decrease in value due to age, wear and tear, etc.
Driver Improvement Courses
Optional coverage that covers any vehicle operated by the insured person.
Driver Education
A course covering at least 30 hours of professional classroom instruction.
Driver Training
A course covering at least six hours of behind-the-wheel instruction.
Earned Premium
That part of the premium applicable to the expired part of the policy period, including the short-rate charge on cancellation.
Effective Date (Inception Date)
The date on which an insurance policy coverage starts.
Endorsement (Rider)
Amendment to the policy used to add or delete coverage.
Exclusion
Certain causes and conditions, listed in the policy, which are not covered.
Experience
The record of claims made or paid within a specified period.
Experience Rating
Determination of the premium rate for an individual risk, made partially or wholly on the basis of that risk's own past claim experience.
Expiration Date
The date on which the policy ends.
Extended Non-Owner Liability
Policy providing broader liability coverage for certain people (such as family members) who operated a trailer or automobile that does not belong to them; this covers carrying people or property for a fee, or using vehicles provided by employers to employees who do not own vehicles themselves.
Family Automobile Policy
A package for both liability and physical damaged to the vehicle(s) of the insured; has been replaced by the Personal Auto Policy.
Flat Cancellation
the cancellation of a policy as of it's effective date, without any premium charge.
Financial Ratings
Reflects the financial strength of insurance companies, and their ability to meet their obligations to their policyholders. Major rating organizations include Standard & Poor's, Moody's, and AM Best.
Financial Responsibility Laws
Laws requiring motorists to have enough money to compensate those whom they injure; this is done through liability insurance requirements, set out by law.
First Party Benefits (PIP)
Coverage present in no-fault states which pays medical, loss of income, death and/or disability, and loss of services incurred as a result of an automobile accident.
Gap Insurance
Optional coverage making up for the difference between the market value of a vehicle and it's outstanding payments.
Good Student Discount
A discount for students who achieve high academic standing.
Hit-and-Run
Describes an accident from which the perpetrator flees, without providing information or assistance.
ID Card
Provides evidence of liability insurance; this is required in most states.
Inception Date (Effective Date)
The date on which an insurance policy coverage starts.
Lapse in Coverage (Policy Lapse)
A period during which a policy has been canceled or terminated by the insurance company for a variety of causes.
Mathematician
A professional trained in the mathematics of insurance and risk management. Known as an actuary in the United States.
Medical Payments
Covers medical and funeral expenses, as well as passenger injuries, resulting from an auto accident, regardless of who is at fault. It also covers other people's vehicles that you are driving with permission, and injuries sustained as pedestrians.
Misquote
An incorrect estimate of the insurance premium.
Multi-Car Discounts
A discount offered to those who have two or more vehicles listed on the same policy. Some companies may grant multi-car discounts to those who drive company vehicles.
Motor Vehicle Record (MVR)
A record containing information gathered from a driver's application and abstracts of convictions and accidents. Also known as a DL printout.
MVR (Motor Vehicle Record)
A record containing information gathered from a driver's application and abstracts of convictions and accidents. Also known as a DL printout.
Named Insured
A corporation or individual designated on a policy. Others, such as those operating the vehicle with consent of the insured, may also be protected.
Named Non-Owner Policy
A policy endorsement for those who operate a vehicle that they do not own, such as someone who drives a company vehicle regularly.
No Fault Insurance
A system in which each driver's auto insurance coverage pays for injuries and damage, no matter who caused the accident (used in some states and provinces). Most jurisdictions still allow one to sue the party responsible for the accident, up to a given threshold.
PAP (Personal Auto Policy)
The most common auto insurance policy being sold, written in simple language, providing coverage for liability, medical payments, uninsured motorist coverage, and physical damage.
Per Occurrence Limit
The cap amount for which an insurance company will pay claims resulting from a single incident. It generally covers bodily injuries of everyone involved; determined for each occurrence.
Per Person Limit
The cap amount for which an insurance company will pay claims resulting from a single incident. It generally covers bodily injuries of everyone involved; determined for each person.
Personal Auto Policy (PAP)
The most common auto insurance policy being sold, written in simple language, providing coverage for liability, medical payments, uninsured motorist coverage, and physical damage.
Personal Injury Protection (PIP)
Coverage present in no-fault states which pays medical, loss of income, death and/or disability, and loss of services incurred as a result of an automobile accident.
Physical Damage
Any damage to an insured vehicle resulting from a collision, fire, vandalism, or theft.
PIP (Personal Injury Protection)
Coverage present in no-fault states which pays medical, loss of income, death and/or disability, and loss of services incurred as a result of an automobile accident.
Rider (Endorsement)
Amendment to the policy used to add or delete coverage.
Physical Damage Insurance
Property damage coverage for a vehicle under the 'collision insurance' and 'comprehensive insurance' sections of the policy.
Policy
A written insurance contract; can include forms, riders, endorsements, and attachments.
Policyholder
Literally, the person who has possession of the policy; can refer to the policy owner and those covered under the policy. Thus the term is non-functional as commonly used.
Policy Lapse (Lapse in Coverage)
A period during which a policy has been canceled or terminated by the insurance company for a variety of causes.
Policy Limit
The maximum amount a policy will pay, either overall or under a particular coverage.
Policy Period
The time in which a policy is in effect.
Preferred Risk
A risk considered better than that on which a premium was calculated.
Premium
The amount of money an insurance company charges for insurance coverage.
Premium Financing
When a policyholder contracts with a lender to pay the insurance premium on his/her behalf. The policyholder agrees to repay the lender for the cost of the premium, plus interest and fees.
Property Damage Liability Insurance
Protection from liabaility to someone else's property, including loss of use. Bodily Injury and Property Damage Liability are usually included as part of the same policy.
Private Passenger Automobile
A vehicle that requires registration for personal use.
Quote
An estimate of the cost of insurance, based on information supplied to the insurance company by the applican't.
Rebate
A reduction of a premium.
Red Book (Blue Book)
A publication used for the determination of values for used automobiles and trucks.
Reinsurance
A form of insurance that insurance companies buy for their own protection.
Replacement Cost
The cost to repair or replace an insured item. Some insurance only pays the actual cash or market value of the item at the time of the loss, not what it would cost to fix or replace it. If you have personal property replacement cost coverage, your insurance will pay the full cost to repair an item or buy a new one once the repairs or purchases have been made.
Replacement Value
The full cost to repair or replace the damaged property with no deduction for depreciation, subject to policy limits and contract provisions.
Reinstatement
The restoring of a cancelled policy to full force and effect. The reinstatement may be effective after the cancellation date, creating a lapse of coverage. Some companies require evidence of insurability and payment of past due premiums plus interest.
Renewal
The process by which someone can keep an existing policy in effect.
Rental Reimbursement
Optional coverage that will reimburse the costs of a rental car while your vehicle is in repair.
Risk
A term used to designate an insured or a peril insured against.
Safe Driver Plan
A rating system to determine premium costs based on a driver's record of accidents and traffic convictions.
Short-Rate Cancellation
When the policy is terminated prior to the expiration date at the policyholder's request. Earned premium charged would be more than the pro-rata earned premium. Generally, the return premium would be approximately 90 percent of the pro-rata return premium. However, the company may also establish it's own short-rate schedule.
Special Equipment (Customized Equipment)
Items not covered under standard auto insurance plans, such as electronic equipment, aftermarket exterior pieces, or additional interior amenities.
Split Limit
An insurance policy with limits for different types of insurance (such as bodily injury or property damage).
Surcharge
An extra charge applied by the insurer. For automobile insurance, a surcharge is usually for accidents or moving violations.
Term
The period in which a policy is in effect.
Tort
An act of wrongdoing committed negligently or willfully, but not as a breach of contract, which results in legal liability; auto insurance plans cover unintentional torts.
Tort Feasor
Someone who commit's a tort.
Towing and Labor Costs
An endorsement that covers the cost of towing or on-site labor; it can be added to physical damage coverage.
Transportation Expenses
Part of physical damage coverage; covers transportation expenses in the event of vehicle theft, up to a maximum daily limit.
Umbrella Liability Insurance
A liability policy that covers in excess of primary limits of the basic liability policy.
Underwriting
The process of selecting applicants for insurance and classifying them according to their degrees of insurability so that the appropriate premium rates may be charged. The process includes rejection of unacceptable risks.
Unearned Premium
The part of a premium left on a given policy term.
Uninsured Motorist Bodily Injury
Bodily injury coverage for uninsured motorists (required in most jurisdictions), which will cover injuries sustained due to a hit-and-run for which an uninsured motorist is responsible but cannot pay.
Uninsured Motorist Coverage
Endorsement to a personal automobile policy that covers an insured's claims for bodily injury involved in a collision with a driver who does not have liability insurance.
Uninsured Motorist Property Damage
Covers property damages caused by uninsured motorists.
Unsatisfied Judgment Fund
A fund, set up by some states, to reimburse people who have been injured in an auto accident but have been unable to collect from the person who caused the accident.
Usage
The primary purpose for which you intend to drive. Commuters' rates, therefore, will be different from business rates or pleasure rates.
Vehicle Identification Number (VIN)
An identification number that is unique to each vehicle, which provides it's serial number, make, model, options, etc.
VIN (Vehicle Identification Number)
An identification number that is unique to each vehicle, which provides it's serial number, make, model, options, etc. This number must appear on all auto insurance policies.
Waiver
(a) A rider waiving (excluding) liability for a stated cause of accident or (especially) sickness. (b) Provision or rider agreeing to waive (forego) premium payment during a period of disability. (c) The giving up or surrender of a right or privilege that is known to exist. It may be effected by the agent, adjuster, or insurance company employee or official orally or in writing.
Waiver of Collision Deductible
Covers your collision deductible on a vehicle that is damaged by an at fault, uninsured or hit-and-run driver; applies only to physical contact.
Whole Dollar Premium
Premiums rounded up to the nearest dollar (any amount of 51 cents or more); lesser amounts are typically eliminated entirely.

Insurance for Bad Drivers

Have you had a few tickets lately? Perhaps you've had a fender bender or two? Perhaps you're worried about your insurance going up. Maybe you're even worried about being denied coverage.
What can you do?
First of all, not all people with a few tickets and a fender bender are actually considered a high-risk insurance prospect. More factors decide this than you may expect. Here are the big ones:

1. Driving record. Your driving record is an obvious impact on your insurability. Everybody knows that at-fault accidents will increase your rates, but even tickets and not-at-fault accidents can too. Why? For every speeding ticket you get, your chances of being involved in a traffic accident rise by 100%, and being involved in multiple car accidents, (even if you're "not at fault") may suggest a pattern of reckless driving. Remember that insurance companies live and die by statistics and that means they aren't looking at you as an individual. They are looking at the data on you and making a decision about whether you are a good risk or a bad one
2. 2. Personal profile. Your personal profile takes into account your gender, your age and other personal characteristics. Unfortunately, this is an area you can't do much about, and it's also ruled by statistics. Insurance companies will always consider men a greater risk than women, teens greater than adults and urban dwellers greater than rural folk. It's all in the stats.
   3. Continuous coverage. Whether you've carried auto insurance coverage continuously over the past few years will affect your ability to get a policy now. Continuous coverage establishes a record of your insurability and also proves that you've been driving with proper coverage. While it may not seem like a big deal to you, it's a big deal to the insurance company.
   4. Your credit history. Now this may not seem fair, but your credit is a factor that increasingly influences other areas of your life, including insurance. Statistics show that drivers with poor credit file more auto insurance claims, and so companies use this info to classify high-risk drivers. Again, insurance companies really like statistics, because this is the way they evaluate risk.
   Well, if you are considered a high-risk driver, what can you do?
   There are things you can do to get yourself out of this category. It may take some time, but it will be worth it. First on the list would be changing some basic behaviors (like cleaning up a bad driving record by driving the speed limit and paying your bills on time).
   But, there are a few things you can do to cut high-risk auto insurance costs now. Consider driving an older car and dropping collision and comprehensive coverages. Or, if you can accept the risk, carry lower amounts of other standard coverages.
   There are insurance companies who specialize in high-risk drivers. One of the best ways to find one is to shop online. You can get quotes right away with many online services. You may even be able to comparison shop between several offers! With the internet, you don't have to hunt around in person wasting valuable time and effort. More often than not, you'll get several quotes from one application. However, expect to pay substantially higher premiums to match your high-risk status. You might also have less-attractive coverage options to choose from, but at least you'll be covered!
   Are you in a real bind? Even if the high risk Agents won't touch you, there's still hope! Every state has some kind of program that helps the uninsurable get insured by entering the state's "shared" market. Your risk is "shared" among all the auto insurance companies in this pooled market. The insurance rates are quite steep (sometimes triple the average premium) and it covers only general liability, but you'll meet the lawful requirements and have some protection in case of an accident. Contact an agent or your state insurance commissioner for more information

Car Insurance for Teenagers

It's a right of passage for most teenagers to get their license. We smile proudly and tell our friends that our teen got their license on the first try. Then, we get the shock of a lifetime when we find out how much it costs to insure our new young driver.
Why does it cost so much for our teenagers? Drivers under the age of 25 pose the greatest risk to insurers because of their high level of at-fault accidents. It's that simple. Insurance companies seek to limit their exposure to this high level of risk by charging higher insurance rates for 16 to 24 year-olds than for any other age group.


One trick you can use is the same one that parents have been using for decades. It is possible to add a teenage driver to a parents existing auto insurance policy as an occasional driver; once that teen has a permanent drivers license. While this can still be relatively expensive compared to the cost of insuring an adult, it usually saves some money on the cost of insurance overall.
It may even be possible to get a discount directly on your teen driver, if you've invested in your child's driver education. If your teen has taken a defensive driving course, this is likely to get you (and your teen) a break on the cost of insurance. It's well worth the time and money.
My parents took advantage of all of the above. I took a defensive driving course. I was listed as an occasional driver on their insurance. In addition, they purchased a less expensive, older model vehicle that was ultimately shared by my siblings and myself. As a result, my parents saved even a bit more money on my insurance because I was listed as an occasional driver only on the older model car. How can this save you money? Well, older vehicles generally pose less risk to an insurer because repairs tend to be less expensive. Therefore, the insurance premium cost is going to be even lower than if you had your teen listed as a driver on your family vehicle. It also ensures that if your young driver does happen to get into an accident, they haven't banged up the primary family car.

How Your Driving Record Affects Your Rates

Your driving record is a key part of how your insurance company will assess your premiums. They will normally get a copy of your driving record from your states motor vehicle department. Then, they will use your driving record as part of how they assess you for insurance, under their underwriting rules. Since your driving record can have a direct impact on how much you pay, it is essential to keep your record as clean as possible.

Generally, the motor vehicles department has a "point" system, which they use to track your driving record. Under the typical point system, each type of infraction (moving violations, parking tickets, at-fault accidents, driving under the influence, etc.) is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record.

If you are discussing the score of your favorite sports team, points are good. However, when you are discussing your driving record, you want to avoid points. The more points you have, the worse your record.
Typically, an auto insurance company has the right to review the driving record of anyone who applies for an auto insurance policy from that company. They do this to determine two things:

• Whether you meet their guidelines for insurance and are eligible for a policy under their guidelines.
• Your risk potential to them (which will affect how much you will pay).

Having said that, every insurer has unique underwriting guidelines for evaluating prospective clients. As a result, the points on your record may have a more significant impact with one insurer versus another. As always, it pays to shop around.
Once you have insurance with a particular company, your insurer likely has the right to review your driving record. Some insurers will review your record very regularly; they may review as often as once a year on your policy renewal date. Other insurers may be less diligent. There are, however, certain times when you can be relatively sure an insurance company will be checking your record. These include:

• When you initially apply for coverage.
• When you request a change to your policy, such as an increase in coverage.
• When you add a vehicle to your policy or change vehicles.

Discount Auto Insurance

There is one way to discount your auto insurance cost, which doesn't put you at risk. However, this only applies under certain circumstances. You may qualify for auto insurance discounts and should ask about them if you:

1. Have a car with ABS brakes
2. Have airbags
3. Have an anti-theft system
   4. Drive low mileage
   5. Have daytime running lights
   6. Maintain good credit
   7. No accidents in the last 3 years
   8. No tickets in the last 3 years
   9. Have a driver training course
   10. Are a senior citizen
   11. Have an AAA or CAA membership
   12. Are a student and have good grades.
   
   Don't forget to check out the reduce auto insurance cost, discount car insurance, car insurance medical, auto insurance collision, liability insurance, comprehensive car insurance, uninsured & underinsured, auto insurance cost, and how much insurance should I carry guides and click on the links above for auto insurance companies.

Reducing Auto Insurance Cost

Reducing the cost of your auto insurance usually involves some 'gamble' on your part. It depends on your ability to tolerate risk. Most things you can do to reduce the cost will mean that you have the chance of more money coming out of your pocket in the case of an accident. These are the most common tactics:
Increase your auto insurance deductible
Increasing your auto insurance deductible is an easy way to save money. The gamble is straightforward: If my driving record is good, I raise my auto insurance deductible - because I don't expect to be making a claim. If my driving record is bad - then I have some decisions to make.

With a bad driving record a higher deductible can save you a lot. However, you have a greater chance of an accident. So, if you raise your deductible be sure to have an equal amount put away "for a rainy day." Just in case.
Also remember that many auto shops will allow you to pay for repairs over time - which means less hassle if you ever have to get it repaired after an accident.
Drop either collision auto insurance and/or comprehensive auto insurance coverage on older cars
If you have a 1989 Dodge Shadow (I did until two years ago) you shouldn't be carrying either collision auto insurance or comprehensive auto insurance. The cost of the auto insurance coverage doesn't make any sense. If anything happens to the vehicle, you are going to junk it.
Insure through a single insurance company for multiple policies (auto, home, etc)
Most insurance companies reward "loyalty". They do that by giving you a multiple policy discount. This can often mean 10 or more percent off your total insurance bill. That adds up.
So, buying insurance for auto AND home? You will likely get the best deal if you insure both with one company.
Also, if you have more than one vehicle, insure them with a single auto insurance carrier. Multiple auto policies usually means a discount; with or without your home insurance included.
Reduce auto insurance coverage extras
Auto insurance companies are always looking for other areas where they can provide insurance coverage. This is their livelihood. Therefore, over time they've come up with a variety of additional auto insurance coverages, which you may or may not need.
Does your insurance company offer towing coverage?
If you've already got an auto club membership don't buy towing coverage! And if you have an older car you are likely better off to get the auto club membership than pay for this service through auto insurance. Why? Older cars have a higher rate of breakdown. Auto insurance companies know that.
Another extra is car rental insurance.
While it's likely to be cheaper through your auto insurance company, than through the car rental agency, it's still expensive. However, if you have a 'gold' credit card it likely provides car rental insurance as a benefit. Check all your credit cards - gold or not - and see if this is covered. Then you can waive this extra!
Compare auto insurance quotes
This is where the internet makes it easy! There are many internet sites which will let you get multiple auto insurance quotes and which will deliver those quotes right to your email address. Most of these services are free - but some charge a fee. Check carefully. Click on the above links to access some auto insurance quotes online.
Never get less than three auto insurance quotes. It's in your best interest.
You can also call multiple auto insurance agents. Most agents will be able to give you a quote over the phone. Agents will work with more than one auto insurance company. If you want to know which auto insurance companies the agent checked you are free to ask.
Don't forget to check out the reduce auto insurance cost, discount car insurance, car insurance medical, auto insurance collision, liability insurance, comprehensive car insurance, uninsured & underinsured, auto insurance cost, and how much insurance should I carry guides and click on the links above for auto insurance companies.