How to Save on Honda Fit Insurance






You have taken the plunge and bought a new Honda Fit. Congratulations! You are going to enjoy this car which gets great gas mileage and comes with Honda’s reputation for excellence in construction. The low maintenance and great mileage you get will bring you years of enjoyment.

family in carHowever, you may now be concerned about insuring your Honda Fit. Because it is a relatively new car, insurance rates are still being determined on many of the models. How do you know if your insurer is giving you a good price on your Honda Fit automobile insurance?

Overall, prices for the Honda Fit are going to be a little higher than for some other models. There is a very simple reason for this: the Honda fit is an unknown quantity. Because it is so new, insurance companies do not really know how much it will cost, in the long run, to repair and replace Honda Fit models which are damaged or totaled in accidents.

Insurance companies do not like unknown risks; therefore, they will tend to err on the side of caution and charge slightly more for the Honda Fit than for similar models which have been in existence longer. Once data is obtained on the Honda Fit over the course of several years, the prices will likely stabilize.

This is not to say, however, that insurance costs for the Honda Fit should be wildly higher than for similar makes and models. Insurance companies can predict with a fair amount of accuracy what costs will be to repair or replace new models of cars; you might expect to see a 5% higher premium than that of a similar car for the first few years on the Honda Fit. Anything more than that is excessive and you should find another company for your insurance needs.

The Honda Fit has several things going for it in terms of insurance prices. First, it gets great mileage and is easy to maintain. While this does not directly affect the price of your insurance, it does have an indirect effect as many more people will be likely to buy such a car, and this will eventually help to lower insurance costs across the board.

Because it is compact, replacement parts and costs will be slightly less than for larger vehicles. Even the types of people who drive Honda Fits—upwardly-mobile, environmentally-conscious younger and older drivers—can have an impact on the overall cost of car insurance for a single owner.

The Honda Fit also has some disadvantages when it comes to insurance costs. Because of its small size, the chance of injury if involved in an accident with a larger vehicle is higher, resulting in higher premiums. Further, if you drive many more miles, which you are likely to do with good gas mileage, your premiums can jump as well.

However, overall average prices for Honda Fit insurance are basically in line with other cars of its size and construction. The average cost to ensure a Honda fit is $1,220 per year. Bear in mind that this figure is an average and may in no way be reflective of an actual quote. A 32-year-old female in Ohio may pay only $400 per year, while a 20-year-old male in California may pay $1,800.

It helps to compare averages against other vehicles, rather than take averages as an indication of what you will pay; for example, the Ford Focus average is $1,120 per year, or about $100 less per year than the Honda Fit.

This number is far more indicative of what you are likely to see than the premium quote itself; you can expect to pay about $10 more per month for insurance for a Honda Fit than for a Ford Focus.

Of course, your driving record, location, and other demographics will have the biggest impact on what you pay for insurance. Be sure to get multiple quotes to find the best rates for insuring your new Honda Fit.




What Is the Best Time of Year To Buy Car Insurance?






Trying to find ways to lower your auto insurance premiums can become a full-time hobby. If you want to save money and get the best discounts, you may try tweaking your policy’s deductibles, limits, and coverage types. You may also decide to pay in advance and take advantage of good driver and good student discounts.

couple sitting in back of carSome people even believe that by buying their car insurance at a certain time of the year, they will receive the best discounts.

There may be some slight truth to that last statement. Winter tends to bring ice, snow, and sleet to many parts of the country, and there are simply more accidents at this time of year. On the other hand, summer is a time when most people travel by car, so there are statistically more accidents during the summer on the major highways.

No matter which season you examine, the number of accidents involving your particular age group, location, and type of vehicle will have an impact on your premium prices.

It would seem, then, that spring or fall would be the best time to buy your insurance—and it could indeed save you some money on your premiums. However, you can take advantage of far greater savings by controlling some things in your life which will have a direct impact on your premium, rather than relying on uncontrollable factors such as how many accidents take place in a given period of the year.

First, your driving record is still one of the most important factors in figuring your insurance premium, and it is within your direct control. Keep speed down to avoid tickets, and drive defensively; by avoiding accidents, even small “fender benders,” you will keep your premiums at their lowest.

Another factor within your control is your credit score, a factor which is becoming ever more important than others in figuring your automobile insurance costs. While it may not seem fair to some people, the fact is that people with good credit scores tend to have superior driving records when compared to people with low credit scores.

This could be due to a variety of factors, including the fact that people with better credit tend to have better-maintained vehicles, which leads to less frequent mishaps. Whatever the cause, insurance companies have been quick to recognize and capitalize on the credit score factor when figuring premium costs, and few states have laws disallowing this practice.

If you buy automobile insurance in the spring or fall of the year, with high deductibles and low limits, and with a good credit score and good driving record, you are probably doing the best you can to lower your premiums. The difference, at this point, between buying in the spring or fall and buying in the winter or summer will probably be negligible, but it does not hurt to get quotes and make comparisons.

Many companies, such as GEICO, Allstate, State Farm, and Progressive, have online quote generators. You can try getting a quote in the winter, then another in the spring, and compare the two prices. It is likely there will be a slight difference, although whether the difference is seasonal, due to an anomalous shift in accident patterns, or due to the economic fluctuations of the industry will be impossible to say.

Most importantly, get several quotes before you buy automobile insurance from anyone. Do not assume that the company you have always used is giving you the very best discounts; talk to your agent with other quotes in hand. Many times, agents have the power to reduce your premium to match other company’s offers; if they do not, you can always change your insurance to another company and save money.




What Does Ford Focus Insurance Cost?






The Ford Focus is a popular small vehicle due to its good fuel efficiency, often up to 35 mpg, its low sticker price, and its affordability to insure. Comfortable, stylish, and easy on the wallet, the Ford Focus has become a favorite for all age groups looking to save money on transportation.

couple in their car

What it will cost to insure a Ford Focus will depend on several factors. Age, driving record, and location are the most important demographic factors affecting your car insurance rate.

If you are a young male who has had a major accident in the last two years and lives in a large city, you will naturally pay more than an older, married female with a perfect driving history who lives in a small town.

Credit rating is also becoming an important factor in car insurance prices, as a high credit rating is statistically tied to more careful driving habits.

These things you may not have much control over; however, there are some ways you can save money on your insurance, the car you choose to drive is one of the most effective ways to lower your insurance costs.

In this regard, the Ford Focus shines. Insurers like the car because it speaks of economy and good financial sense; these qualities tend to translate into better driving records. Moreover, the Ford Focus is not very expensive to fix when compared to “luxury” sedans or SUVs, so even if you are involved in an accident, it will not cost the insurance company as much money to fix your car as if you had a more expensive model.

Ford Focus tends to hold its resale value, so insuring your car for full coverage is an important consideration. In many cases, cars lose value so quickly that once they are paid off, it is not worth it to keep full coverage on the vehicle. With a car which retains value, however, this may not be the case; be sure to assess the value of your Ford Focus before making a decision to drop any coverage.

The features on your Ford Focus will also determine how much you pay for insurance. You will pay far less for insurance if you have anti-theft devices, anti-lock brakes, air bags, and other safety features on your Ford Focus.

Many companies have great prices on Ford Focus auto insurance. For the average driver, the Ford Focus costs between $900 and $1,300 per year to insure. You can expect a drop of only about $20 per year for the first five years, however, so long-term costs of insurance are greater than immediate costs.

Of course, many factors can change this amount, but considering that the averages for many cars are much higher than this, it is a good indication that the Ford Focus is an insurance bargain. Insuring a Focus is not significantly higher than most other sedans, and you trade off the slight increase in price with an increase in value of your vehicle.

One thing working against the Focus on insurance costs is that the car itself depreciates so slowly. Your 2005 Focus is probably worth at least half of what you paid for it seven years ago. If you recently bought a Focus, it is probably worth at least 80% of the purchase price.

Insurance companies take this into account, knowing that they will have to pay out more on an older Focus than on some other cars. Consequently, you may pay more for your Focus insurance for the duration of your policy than you would for a car which depreciates more quickly. However, you will also gain a much greater payoff if your Ford Focus is wrecked, given the high retention in resale value.




Government Workers Can Save On Car Insurance – Here’s How






If you work for the federal, state, or local government, there is a good chance that you can receive a discount on your auto insurance. Several companies offer discounts to government workers, even if they are not insuring vehicles used for work.

GEICO stands for Government Employees Insurance Company and was actually founded as a way for government employees to save on their car insurance. Today, GEICO is open to everyone, but still offers substantial discounts to government employees.

GEICO has a special program for federal employees which includes Federal Leave Record cards in downloadable format so that employees can get these forms on their computer or through a mobile app; a Federal Employees Appreciation Program, which holds events in various cities throughout the year; and the GEICO Federal and Military Scholarship program, which offers college scholarships to dependents of federal workers. Best of all, GEICO offers the “Eagle” discount, which can be up to 8%, depending on the state, for federal employees on their total car insurance bill.

There is also a federally-sponsored marketing discount available to companies which maintain an affiliation with GEICO, and whose members may not be eligible for the Eagle discount.

Travelers also offers discounts on automobile insurance to government employees. In partnership with Capitol Benefits of Gaithersburg, Maryland, Travelers offers discounts to employees in the Washington, DC, area. Although a specified discount rate is not available, the company will gladly run a quote and figure the discount based on driving record, location, age, and type of vehicle. Discounts are also available under the same program for boats, homes, renters, and umbrella policies.

If you live in the western United States and you are a civil servant, you might be interested in a quote from CSE, the Civil Service Employees group. This group offers savings on automobile insurance premiums to those who work for the state governments.

Civil employees can save from 5% to 10% on the cost of their car insurance with CSE. CSE also offers further discounts for select groups, such as firefighters and police officers. CSE has regular discounts, as well, such as good driver discounts and good student discounts. Civil employees can take advantage of several forms of discount when purchasing insurance with CSE.

Discounts on premiums are not the only discounts available to government workers. The American Auto Assurance Company offers government employees and military personnel discounts on vehicle protection plans, as well. These plans cover you for many major repairs on your vehicle, not necessarily accident-related. These types of plans are not technically automobile insurance, but may still save you a great deal of money if you need major car repairs which were not caused by an accident; these types of repairs are not paid for by your regular automobile insurance.

Government workers are graded by their job type, and each grade seems to have a different level of cost for automobile insurance. This may be due to the types of cars driven, but a government employee will need to compare several companies to be sure he or she is getting the very best rates and discounts available.

Government employees should also think about how they are going to pay for their car insurance, as with some companies discounts hinge on this factor. Paying up front for a six-month premium will often give you the best discounts available, and some discounts may disappear if you do not pay your entire balance up front. Be sure to ask about this when you receive your quote; some companies advertise great discounts, but your final bill may be higher than you anticipated.




How Much Does Camaro Car Insurance Cost?






The Chevy Camaro has been one of the most popular sports cars of all time. Relatively affordable, sleek, stylish, and with plenty of perks, the Camaro has been in continuous production since 1966, making it one of the longest-running lines of the Chevrolet brand.

Traditionally, the Camaro runs a V-6 engine with 304 horsepower, although a V-8 426 horsepower model is available. Most models run between $20,000 and $30,000 sticker price, making this car a tad on the expensive side for a first-time car buyer. For aficionados, however, the Camaro is a cult classic and many are sold each year.

The Camaro has a couple of strikes against it when it comes to insurance prices. Because it is a sports car, insurance rates will be higher than those for sedans or family wagons. The Camaro is a popular car, which makes it easy to move and sell, and it may become a target for thieves if parked in the wrong neighborhoods.

However, your rates for car insurance on a Chevy Camaro are going to depend in large part on your own driving history, age, and location. Like any other car, a Camaro can be relatively inexpensive to insure if you are a 45-year-old married male with a good driving record living in the suburbs. On the other hand, if you are a 20-year-old single male living in an urban area, your rates are going to be much higher.

The age of your Camaro is also going to have a large impact on your insurance costs. A new model will be more expensive to insure, by and large, than an older model. If you have a true “classic car” and do not drive it often, you may be qualified to buy specialized classic car insurance, which will generally be much cheaper than traditional liability insurance, but also does not give you the same coverage.

Premiums for a new Camaro can run anywhere from $1,200 per year for a good driver to $2,500 per year. While these rates are highly variable depending on where you live and your driving record, expect to pay anywhere from $120 to $200 per month to ensure a new Camaro. Prices come down substantially once a Camaro is five or more years old.

Some companies to consider when you are looking for insurance for your Camaro are State Farm, Allstate, GEICO, and Progressive. These are the largest insurers in the country and can often give you the most competitive rates. Progressive offers an online quote engine which will give you comparison rates from their own company as well as several others.

You can also visit an independent insurance agent and get quotes from several companies. Independent agents represent a variety of companies and can often give you “competitive quotes,” meaning that they can compare not only the premium price but also the coverage offered by each company, giving you an “apples-to-apples” coverage matrix which will show you exactly how much coverage you are getting from each company. This is an important consideration when you are looking at coverage for a new car, as many companies will only ensure “book value” rather than what you owe on the car.

If you have an older, or classic, Camaro, consider Hagerty Classic Insurance. This company has been in business since 1983, insuring boats and classic cars, and offers specialized insurance policies which meet the particular needs of older car owners. This type of coverage is especially valuable if your Camaro is a “show car” or one which is on the road only under certain conditions. You can often get classic or collector car insurance at a much lower rate than traditional insurance, with better coverage.




Does Regular Car Maintenance Lower My Auto Insurance Premiums?






You want your car to be in top condition, so you take care of it with routine maintenance: checking pressure in your tires, having your oil changed regularly, immediately servicing any problems.

This means your car will be far more reliable and will give you many years of good service. But what about your insurance premiums? You get a break on your price for being a good driver; what about for being a good car owner?

Unfortunately, insurance companies do not look directly at how well you maintain your vehicle. After all, it would be almost impossible for them to monitor this type of behavior with any efficiency.

In order to monitor how often you change your oil or have your car serviced, an insurance company would need a much larger infrastructure—resulting in higher prices for everyone.

For this reason, insurance companies tend to assume that you are taking care of your own investment, and do not check on your maintenance habits unless there is some direct reason for them to do so.

However, maintaining your vehicle can have an indirect affect on your car insurance premium, because good maintenance means fewer accidents or problems—things auto insurance companies do look at.

For example, think about your tires. Many people neglect to routinely check the pressure and tread of their tires—with serious consequences.

If you do not check your tire pressure and tread, the chances of a flat or even a blowout increase significantly.

If you suffer a blowout and it causes an accident, your insurance company is definitely going to be interested in why the accident happened. You may find yourself with a higher premium simply because you neglected this routine maintenance.

Another indirect way maintenance affects your insurance rates is when your car is out of commission.

Even if you are having your car repaired, the insurance company still charges you the same premium, although you are not driving the car. If you have to have an engine or a transmission replaced due to poor maintenance habits, your car will be inoperable for some time; however, you will be paying your insurance premiums all the same.

This means you are paying for coverage on a car you cannot drive, and that is not good business.

If you have an accident or a breakdown resulting from poor maintenance, your insurance company will find this out, and it can affect how your payout is handled. If you deliberately neglect a vehicle, the insurance company can often refuse to pay your claim; this depends on the circumstances of the accident or problem.

For example, you may have heard stories of how someone left their keys in the car and the car running while they ran in somewhere “just for a minute.” When they came out, their car had been stolen, and the insurance company gave the person a hard time about paying for the car.

While this is not always true, and insurance companies rarely refuse to pay a claim at all, it means much more problem for the driver than if the car had been broken into.

This same logic applies with maintenance on your vehicle. If you fail to maintain your brakes, for example, letting them run down to the point that they barely function, and then you lose control of your car and hit someone, the insurance company is going to have some questions before paying out a claim.

It is even possible that they could refuse to pay the claim, based on the fact that you knew that your brakes were not working but drove anyway.

The best course is to maintain your car. You will have a better-running vehicle, you will have peace of mind, and your insurance company can safely insure you against true accidents.




If I Miss A Payment Will My Auto Insurance Be Cancelled?






If you miss a monthly, quarterly, or bi-annual payment on your car insurance, what happens to your policy? Are you covered during the time the policy was unpaid? If you make the payment quickly, is your coverage reinstated? These are all questions people ask from time to time, if they have missed a car insurance payment by accident or due to unforeseen circumstances.

The answers will depend on the state in which you live, but generally speaking you do not lose your car insurance the day you miss a payment. Most states have laws which require insurance companies to offer a minimum “grace period” for your payment to arrive. An average grace period is ten days, although your grace period may be longer or shorter. If your payment does not arrive by midnight on the due date, you are considered to be in the grace period on your policy.

Once you enter the grace period, if you make your payment, everything goes back to normal, just as if you had made your payment on time. Most states will not allow insurance companies to punish customers for being a day or two late on their payments; in fact, you may have even longer than the grace period to get your payment in, depending on your state.

After the grace period expires, many states send out a “delinquent notice.” This still does not mean that your insurance in cancelled; rather, it means that you have a deadline to get your payment in. Some companies and some states do not have delinquent periods following the grace period; be sure to check with your insurer to find out. Delinquent periods can be as long as thirty days, but may be as short as five. In any case, once the delinquent period ends, your coverage will most likely be cancelled. This leaves you liable for any injuries or damage caused while you are uninsured.

While being uninsured is a terrible worry, you also have other problems if your insurance coverage is cancelled. When you obtain a policy, you are not the only one bound by the terms of the agreement; the company is also “on the hook.” Even if you speed or have an accident, your company must continue to insure you for the full coverage period agreed upon. If your insurance is cancelled, however, the company is not obligated to take you back. If you have a spotty driving record, this can present a problem in finding other insurance at a reasonable rate.

Even if you have a clean record, your company does not have to take you back if you miss payments. If the company feels that they will always be chasing you to pay them, it is very possible they will refuse to reinstate your policy after a cancellation. This means that you will have to search for new coverage, and will lose any customer loyalty or long-term discounts you may have had with your old company.

If the company chooses to reinstate you, they can, in many states, insist on a more structured payment plan.
For example, if you miss a bi-annual payment, your company may insist on quarterly or monthly payments. In many cases, this causes you to lose discounts associated with a “paid in full” policy. You may end up paying more in processing and handling fees with monthly payments, as well.

It is always wise to make your payments on time whenever possible. Even if you can only pay half of the premium, the company will often give you thirty days to get the other half; many companies offer this service to their regular customers, and do not consider it to be a “non-payment.” Talk to your agent or your company to find out options if you are having trouble making your payments.




3 Reasons You Shouldn’t Lie to Your Car Insurance Company






Buying car insurance is expensive, even if you’re over the age of 30 and have never had an accident or even a ticket. Even with good driver discounts, memberships in automobile clubs, and other membership savings, insurance can take a bite out of a budget.  And for those who have blemishes on their driving record, credit report or have to insure high-risk drivers such as teens, the cost can be astronomical.

This is why some look for ways to shave their premiums down. Stating they only drive 12,000 miles a year, when in actuality, they drive 15,000. Reporting their car is garage-kept, when it actually stays parked in front of the house. Even “forgetting” to include the 17-year-old new driver on the insurance policy – these are ways people try to save money on auto insurance.

But it’s a bad idea, folks. And here are a few reasons why.

1. Insurance companies always find out. If you take your car in for an inspection, and you your odometer reading doesn’t match the mileage you gave your insurance company, they will know you lied. For example, if your car has 100,000 miles on it, and you told your insurance company you only drive 12,000 miles a year, that’s an average of 1,000 miles a month. So, let’s say in June, you take your car in for its annual inspection. The odometer reads, 107,500. If you were really only driving 1,000 miles a month, the reading would be 106,000, give or take a few miles. That difference of 1,500 miles could be enough to trigger a further inspection of your insurance policy, and if it found that you lied about the mileage, the insurance company can cancel your policy.

2. Payback. Let’s say you “forgot,” and didn’t add your teenage daughter to your insurance policy. And let’s say your teenage daughter is answering a text, loses control of the car, and sideswipes five parked cars. You now have two issues: an uninsured driver was driving your car, which means your insurance company does not have to pay to repair your vehicle. But the bigger issue is that because she lives in your house and you didn’t include her on your auto insurance, the insurance company does not have to pay to repair the cars she hit either, and is also well within their rights to cancel your policy.

3. You don’t save anything. One of the reasons insurance premiums are so high, are because un- and under-insured drivers cost insurance companies billions of dollars each year. Auto insurance companies lost $15.9 billion in 2008 due to uninsured or improperly insured drivers. Insurance companies have to recoup those losses from somewhere, so they raise rates for drivers. So, by lying, you are just causing the rate that you are trying to pay as little of as possible, to increase. Which means you try to find something else to lie about to lower the rate.  The lies create a vicious cycle.

So, the next time you’re tempted to lie on your policy — think again. It’s not worth it.




Auto Insurance- Why Paying Monthly is not a Good Idea






We all know why people pay their car insurance premiums monthly.  It’s easier on a tight budget.   Most people don’t have enough money for an upfront payment for 12, 6 or even 3 months of auto insurance.

Monthly insurance is also easier to cancel, and makes it easier to switch agents, but it’s not always the best option when paying for car insurance.  There are many fees associated with paying a monthly insurance premium, and if you miss a check, you’re car insurance is automatically cancelled until you reinstate it.

Less Budgeting after the Insurance Is Paid

A monthly payment may be easier to afford, but once the insurance is paid for 6 or 12 months, you can essentially forget about it and save the extra money.  You’ll no longer have to budget for your auto insurance.  It’s already paid, and therefore frees up money for the duration of the policy.  It’s a great way to lower overall monthly bills.

Cheaper

Paying an insurance policy up front is also cheaper.  Many insurance agencies require a deposit when you start your plan on a monthly basis, and they charge monthly service fees.  These can range from a $1 a month to several dollars a month and adds up over the life of the policy.  A deposit can be as much as the first month’s premium.

Neither of these fees is incurred when you pay your entire insurance policy up front.  It makes the overall cost of the policy cheaper.  In the best-case scenarios, you could save as much as $50 in service fees on your policy by paying for the entire thing up front.  That takes a $350 policy down to $300.  When paying the entire policy, you actually don’t have to come up with your monthly payment multiplied by the number of months on the policy.  It’ll be less than that.

Cancelling

Paying for yearly insurance can be a hassle when you wish to change automotive insurers.  However, if you cancel your policy before the due date, you’ll actually receive money back.  Once you get that “extra” money, you can apply it to your new insurance policy.  It’s like receiving a windfall when you need it most, or like getting an instant discount on your next automotive insurance policy.

Insurance Lapses

Insurance lapses are more common with monthly payment plans that with a premium that’s paid entirely up front.  This is because many people forget to make the payment especially if they’re manually writing the checks.  It could also happen if the individual is set up for automatic drafts, doesn’t have the money and isn’t signed up for overdraft protection.  If you miss a monthly payment on your automobile insurance policy, the policy is automatically cancelled.  Once the policy is cancelled, it has to be reinstated just like a new insurance policy.




Guide to Selecting the Best Car Insurance Policy Online






The first car insurance policy I got on my own as an “adult” after I graduated college was through a local agent in my hometown.  He was, in stereotypical insurance salesperson fashion, loud, obnoxious, and completely overbearing.  Before I wised-up, he cajoled, intimidated, and ruthlessly steered me towards years of unnecessary coverage and policy upgrades.  Obviously, the internet and online insurance shopping has eliminated many of the issues that I faced as a younger driver, but buying insurance online is still a challenge for the unprepared.

Make Sure You Research Your Provider

If you are like most people, you probably know more about fictional caveman and CGI rendered lizards than you do about the actual company that they represent.  While most policies and companies may seem homogeneous, there are actual differences beyond the nature of their marketing campaigns.  A great jingle or clever mascot is going to be little consolation in the event of an accident if the nearest agent is located hundreds of miles from your house.

Additionally, many insurance companies offer discounts for a number of reasons, including occupation, current military status, and for having a home insurance policy with the same company.  While most companies are going to use a similar software algorithm to determine baselines insurance rates, it is the hidden costs, and benefits, that often make all of the difference.

Understand What Impacts Price Variation

While it is obvious to most people that the amount of coverage in a particular policy affects the overall monthly cost of the policy, it may not be as obvious when it comes to evaluating the things about them personally that impact the overall cost.  Both driving record and personal credit score have a direct impact on the total monthly rate.

One of the most common deceptive, yet totally legal, practices that companies engage in when providing an online quote is that during the initial stages of the application process they will provide consumers with a generic quote that doesn’t include their personal driving information or credit score.  Once the consumer signs off on a particular company and becomes invested in the application process, pow! The actual, individually calibrated rate is revealed.

Understand What’s Being Compared

One of the biggest advantages of shopping for car insurance online is that it is easy to examine quotes from several different companies at the same time and make a decision based on a real-time comparison.  However, not all insurance policies are created equal.

Discrepancies in coverage amount and type can lead to a comparison that is not as accurate as the raw data may imply.  Whether it is a result of the data being entered into the quote generator or simply a flaw in the software itself, this type of issue can make it difficult to accurately compare providers.

Play with the Numbers

The best thing about technology is that now, everything happens instantly, with virtually no hassle.  In the dark ages of pre-internet insurance shopping, understanding how minor shifts in coverage amount affected the overall cost of the policy involved an extremely grumpy agent.  With the ability to instantly update policy details and costs it is possible to quickly decide exactly how much a specific reduction in coverage amount is worth relative to the bottom line.