How to Get Cheap Portland Car Insurance

By Elizabeth Newberry

Cheap Portland car insurance is easy to get when you purchase only the minimum liability auto insurance requirements in Oregon. When it comes to minimum car insurance requirements, Oregon leaves very little out. Portland drivers must have person bodily injury, property damage liability, a “per crash” bodily injury, a “per crash” property damage, personal injury protection (to cover the cost of any medical treatment to the injured party up to one year after the accident), and uninsured motorist coverage.

With so much Portland car insurance, you may feel you don’t need full-coverage auto insurance in Oregon.

The minimum required Portland car insurance amounts are as follows:

• $10,000 per crash for property damage
• $15,000 personal injury protection
• $25,000 per person bodily injury and property damage liability
• $50,000 per crash for bodily injury to others
• $25,000 per person and $50,000 per crash for bodily injury of Oregon uninsured motorist coverage

Of course, not all Oregon drivers can get cheap Portland car insurance by purchasing the minimum liability auto insurance requirements. Why? Not all drivers are eligible to purchase only the minimum requirements. Sometimes lenders and/or Oregon car insurance companies require drivers with cars they don’t own outright to purchase full-coverage auto insurance. Perhaps a driver has had his or her license suspended or revoked and has been ordered by the courts to purchase more than the minimum liability auto insurance requirements in Oregon.

Whatever the reason, these Oregon drivers must find other ways to get cheap Portland car insurance. Satisfying the orders of the courts, as well as working to repair the driving record, is one way to lower the cost of auto insurance; so is purchasing a car with – or adding – safety features. You can also take safety precautions such as parking your car in well-lit areas such as private parking lots to further protect your vehicle and lower your Portland car insurance premiums.

For free quotes and a lot of information about insurance please visit the following recommended sites.

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Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry

Low Cost Auto Insurance - How to Get the Best Possible Price

By Brian Stevens

There are a ton of choices out there when it comes to low cost auto insurance. So how do you find the cheapest auto insurance with the best company? Here's how ...

Compare Quotes

Far and away the best way to get the cheapest low cost auto insurance is to comparison shop online. There are Internet sites where you can get a number of quotes from A-rated companies so you can compare quotes and get the best rate from the best company (see links below).

All you do is fill out a simple online form in order to determine what kind of coverage you want. It's quick, it's easy, and best of all, it's free.

Get Discounts

As you fill out the online form, make sure you include all the discounts you're entitled to. Here are the biggest money-savers when it comes to buying low cost auto insurance:

Deductibles - An insurance deductible is the amount of money you pay before your auto insurance company pays a claim. Raising your deductible from $100 to $500 can save you 10% to 15% on your insurance. Raising it to $1,000 can save you up to 50%.

Collision coverage - Collision coverage covers your repair costs when you're involved in an accident. It can cost you $500 or more depending on the type of car you drive and it's age. The cost of collision coverage for older cars may be more than the cost of repairing the car.

A rule of thumb is to drop your collision coverage if your insurance premium is 10% or more than your car's current value.

Bundled insurance - You can get a 15% discount with most companies by putting your auto insurance with your homeowners insurance. And you can save 15% if you own two autos and insure them both with the same company.

Visit http://www.LowerRateQuotes.com or click on the following link to receive free car insurance quotes from A-rated companies and get low cost auto insurance. You can get more insurance tips by checking out their "Articles" section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on how to get low cost auto insurance.

Article Source: http://EzineArticles.com/?expert=Brian_Stevens

Get The Cheapest Car Insurance Rate Quickly and Easily

By Brian Stevens

Finding the cheapest car insurance rate is simply a matter of comparison shopping. But how can you get the cheapest rate without spending hours on end talking to insurance agents? Here's how...

Make a List

The first thing you need to do when it comes to getting the cheapest car insurance rate is to make a list of all the discounts you can get. Here are some of the biggest money savers:

1.Deductibles - Raising your insurance deductible from $200 to $500 can save you 30% on your insurance premium. Raising it to $1,000 could cut your premium in half.

2. Cars - The type of automobile you drive determines the insurance rate you pay. The difference in insuring an expensive sports car and an inexpensive family sedan can be as much as $1,000 a year.

3. Safety features and ant-theft devices - Most insurance companies will give you discounts for air bags, anti lock brakes, and automatic seat belts. They will also give discounts if you have a burglar alarm or other anti-theft devices installed in your car.

Eliminate unnecessary coverage

Drop your medical coverage if you already have a medical insurance policy that covers you, and get rid of your towing coverage if you're an AAA member.

Eliminate your collision coverage, comprehensive coverage, or both if you drive an older model car and the cost of your annual premium is the same as the value of your car.

Go Shopping

Shopping online is a quick and convenient way to shop for most anything, and it's especially true when it comes to auto insurance. Rates for the same auto insurance coverage from different companies can vary as much as $1,000.

After you make your list of auto insurance discounts, fire up your computer and head to an online car insurance comparison site. Here you can get a number of quotes from top-rated insurance companies so you can compare quotes and choose the cheapest car insurance rate.

Visit http://www.LowerRateQuotes.com or click on the following link for free car insurance quotes from A-rated companies to get the cheapest car insurance rates. You can get more insurance tips by checking out their "Articles" section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get the cheapest car insurance rates.

Article Source: http://EzineArticles.com/?expert=Brian_Stevens

How to Get Really Cheap Car Insurance in New York

By Elizabeth Newberry

New York State is a no-fault state in terms of car insurance coverage. Simply put, this means your car insurance policy will cover you, and the other guy’s car insurance policy will cover him, regardless of who was at fault for the damages.

You can purchase New York’s minimum car insurance requirements just the same as you would in any other state in America; however, New York’s minimum car insurance coverage requirements are a bit more in-depth as far as coverage goes, and pricier as far as costs go.

The minimum car insurance coverage in New York is as follows:

$10,000: Property damage liability
$50,000: Basic, no-fault coverage

Bodily injury liability: For injury, $25,000 per person and $50,000 per accident. For death, $50,000 per person, and $100,000 per accident. Uninsured motorist’s coverage: For injury, $25,000 per person and $50,000 per accident. For death, $50,000 per person, and $100,000 per accident.

Of course, if you don’t own your car out-right, i.e., you borrowed money from a lender to help pay for it, you may have to purchase more car insurance than the minimum.

Despite the high costs of the minimum car insurance requirements, it is possible to get cheap car insurance in New York. Shop around with a few NY car insurance companies (remember, drivers in New York must purchase car insurance from a company licensed to do business in New York) and ask about what kinds of discounts they offer. Some discounts are pretty standard, such as those for good students and multi-line policies; other discounts may be unique to that particular car insurance company.

You may also make changes on your own to your car. Make sure it is up-to-date with safety features such as anti-theft alarm systems and reinforced window. Child-proof locks aren’t only safe, but impressive to car insurance companies. And instead of leaving your car in the side of the street, store it in a garage.

To get free quotes and learn more about insurance please visit the following recommended sites.

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Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry

How to Get Really Cheap Car Insurance in New Jersey

By Elizabeth Newberry

One reason car insurance prices continue to rise in New Jersey as well as the rest of America is insurance fraud. Insurance fraud makes it necessary for car insurance companies – and all insurance companies, for that matter – to raise their rates in order to compensate for the money being paid for illegal insurance claims.

You can help yourself, and your fellow New Jersey drivers, to keep car insurance prices down and help maintain cheap car insurance in New Jersey by educating yourself about insurance fraud.

What is insurance fraud?

A person commits insurance fraud when he or she gives his or her car insurance company false information while filing an insurance claim. For example, if you crashed into a telephone poll, and claimed you had a friend in the vehicle with you who sustained injuries, your friend could collect money from your insurance company to compensate for the injuries. You two could split the money and have a fun night. However, that friend was never in the car, so it’s fraud.

How does insurance fraud affect me?

As a New Jersey driver, insurance fraud affects you when car insurance companies have to keep hiking up their premiums. You end up paying more money to compensate for the crimes committed by others.

Do those who commit insurance fraud walk away wealthier?

Well, the sad truth is that if they don’t get caught, they do walk away with some extra money in their pockets. However, if the do get caught committing insurance fraud in New Jersey, they face losing their driver’s licenses, paying fines of up to $15,000 per incident, and jail time.

What should I do if I know of an insurance fraud incident? To help keep cheap car insurance in New Jersey, you can report any incidents of insurance fraud by calling (877) 55-FRAUD. All information about yourself is kept anonymous and the fraud information you provide is kept confidential

To get free quotes and learn more about insurance please visit the following recommended sites.

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Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry

How to Get Cheap Car Insurance in NC

By Elizabeth Newberry

Is it possible to get cheap car insurance in NC if your driving record is less than perfect and your car’s included on this year’s list of cars most at threat for being stolen? Actually, it is possible. While your North Carolina car insurance company may not be throwing discounts at you left and right, you can still find a way to get cheap car insurance.

Aside from taking advantage of discounts offered by car insurance companies, the simplest way to get cheap car insurance is by purchasing only the minimum requirements. North Carolina’s minimum car insurance requirements are $25,000 for coverage of property damage; $30,000 for coverage of the bodily injury of one person; and $60,000 for coverage of the bodily injury of two or more persons.

So, how do you know if purchasing the state’s minimum car insurance requirements is the right option for you to obtain cheap car insurance in NC?

If your car is completely paid for, you may consider purchasing the minimum car insurance requirements in NC. If you borrowed money to purchase your car, your lender will most likely require you to purchase full coverage car insurance in NC; however, once your car is completely paid for and only in your name, you are free to put any kind of car insurance on it you want. This means you can purchase the minimum car insurance requirements for the state.

Another instance in which you may want to purchase the minimum car insurance requirements in NC is if you are a student, or you are just entering the workforce. Students spend most of their time in class or studying, so finding a job that will pay high car insurance premiums is difficult. People who have just entered the workforce are trying to get on their feet and settled. Once students graduate and once new employees get on their feet, more car insurance can be purchased.

To get free quotes and learn more about insurance please visit the following recommended sites.

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Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry

How to Get Cheap Car Insurance in Michigan

By Elizabeth Newberry

Finding cheap car insurance in Michigan isn’t similar to conducting brain surgery, though at times it may feel like it. You just have to know what you need, what you could use, and what is out there being offered to you.

Purchase Michigan’s minimum car insurance requirements. Michigan requires three kinds of car insurance coverage: personal injury protection (PIP), bodily and property damage (BI/PD) and property protection insurance (PPI). None of these kinds of car insurance coverage protect against damage and theft, though; for those kinds of protection, you must purchase comprehensive and collision car insurance policies.

Purchase a multi-line policy. A multi-line policy means you have more than one kind of insurance policy from the same insurance company. For example, some people purchase both their health insurance policies and their life insurance policies from the same insurance company. Talk with one of your current insurance companies about the different kinds of insurance they offer. You may end up purchasing a cheap car insurance policy from your homeowner insurance company, or vice versa.

Consider a multi-car policy. A multi-car policy – when you have added more than one car to your current car insurance policy – provides a discount on your car insurance in Michigan. This doesn’t mean you should run out and purchase a new car to get a multi-car policy; however, if your spouse or teenager has his or her own car and insurance policy, join up and get a discount.

Ask about other special discounts. Other special discounts include those intended for good drivers, good students, senior citizen discounts, and discounts based on the location in which you live as well as the car you drive and its safety features. Some car insurance companies in Michigan offer discounts specific to their insurance company. For example, one Michigan car insurance company may offer discounts to drivers who drive for a certain period of time with no accidents or traffic infractions.

To get free quotes and learn more about insurance please visit the following recommended sites.

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Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry

How to Get Cheap Car Insurance for Teens - Some Tips and Advice

By Elizabeth Newberry

A good piece of advice for helping your teen get cheap car insurance is to make sure your teen becomes a safe and experienced driver. Car insurance companies offer the cheapest rates to those drivers who have stellar driving records, i.e., minimal or no traffic tickets and accidents.

You may be surprised to read that one of the main steps you can take to ensure your teen becomes a safe and experienced driver is to allow your teen to drive often. Think about it: if your teen does not get any driving practice, how is he supposed to become experienced? And without driving experience, how is your teen supposed to know how to handle certain driving situations?

You can not just hand your teen the keys when it is time to leave for college. You must help your teen become a safe and experienced driver before he leaves the nest. Below are some tips to get started.

Save yourself the effort. One way to help your teen become an experienced driver is to let him run your errands – even if it is just a quick trip to the grocery store. Wouldn’t you rather kick off your shoes before starting dinner than stand in line for bread and milk?

Take advantage of the weather. Do not refuse to let your teen drive if it is snowing or raining. The seasons won’t stop changing when you’re no longer around to shelter your teen, so you may as well prepare him for all driving conditions.

Go cruising. Let your teen take you for a Saturday spin once in a while. He will benefit from the relaxed driving atmosphere.

Watch your teen’s driving habits. Each time you and your teen are in the car together, pay close attention to your teen’s driving habits. Do not scrutinize or criticize your teen – that will only make him nervous. Praise the good moves, and correct the errors.

To get free quotes and learn more about insurance please visit the following recommended sites.

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Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry