Hyundai Sonata Auto Insurance

The Hyundai Sonata is an excellent and affordable car, available in three different varieties. Drivers can purchase the basic Sonata, the Sonata turbo, or the Sonata hybrid. All of these cars are known for having a sleek, impressive interior, lots of horsepower, and excellent safety features. There is, in truth, absolutely no reason not to purchase this automobile. However, many potential owners are curious about what they can expect to pay in insurance costs for this automobile, and rightfully so. While the cost of insurance depends heavily on many factors such as place of residence, insurance provider, past driving history, and more, the Sonata is generally a relatively cheap automobile to insure.

As mentioned above, the Sonata has many impressive safety features. Thanks to four wheel brakes, front crumple zones, rear crumple zones, electronic stability control, a patented traction control system, electronic Brakeforce distribution, and brake assist, the car was named a “top safety pick” by the Insurance Institute for Highway Safety. As such, drivers of this car can receive safety discounts, especially if they add on even more safety features, such as backup cameras and more. Of course, not all insurance companies offer safety discounts, so it’s important for drivers of this car to find one that does. Otherwise, they’ll be missing out on a great way to save money.

Another important part of saving money on automobile insurance, for drivers of the Hyundai Sonata, or for any car is to go with the right insurance company. Many people make the mistake of thinking that all insurance providers are alike when this is simply not the case. As already discussed, some offer discounts to help the driver save money, while others are all about making all the cash they can. Plus, some just don’t provide the level of customer service and efficiency drivers deserve. For this reason, it’s important to do a lot of searching around when choosing an automobile insurance provider.

For drivers of the Sonata Hybrid, a good insurance company will offer not only a safety feature discount but also a hybrid discount, given to reward drivers for choosing an automobile that is better for the environment. Drivers of any of the Sonata cars can receive further discounts for having and maintaining low mileage, being good drivers or good students in the case of minor drivers, and more. It’s very easy to save cash for drivers who are willing to look into all the available discounts in their area for which they qualify and then pursue them relentlessly.

It is also important to note that newer cars are generally much cheaper to insure. They are less likely to break down or incur problems, so a good insurance policy for a new Sonata should be much cheaper than insuring an older car. If it is not, this is a good sign that it’s time to switch insurance providers. In fact, even when drivers have a good provider, they should consistently check, at least every six months, to make sure they couldn’t be getting a better deal elsewhere. Any time one goes through life changes, such as a divorce, marriage, or the birth of a child, is also a good time to check and see if insurance rates have changed. Different life changes can cause insurance premiums to go up or down, and it’s something that drivers really have to stay on top of themselves. Otherwise, they could miss out on great price reductions and end up paying much more than they have to for automobile insurance.

So, the basics for insuring the Hyundai Sonata include, most importantly, finding the most affordable policy with the best coverage, checking into discounts offered, making sure those discounts are applied to the policy immediately, and then continually checking to make sure this good deal stays a truly good deal. If drivers can do these things, they are much more likely to be happy with their insurance policies and to pay a fair amount for their coverage. All it takes is a little work and effort to save money and get great coverage, and it will definitely be worth it in the long run for those who make the commitment.

Used Pickup Truck Insurance

If you’re in the market for or currently own a used pickup truck, there are some important facts you should know about acquiring truck insurance. First of all, you’ll be pleasantly surprised to know that many automobile insurance providers will offer lower rates to drivers of trucks than they do to drivers of standard cars. This, of course, depends on the particular truck, but in most cases trucks are larger, more powerful, and thus generally considered safer than a standard size truck. Of course, if you’re purchasing a used truck, it’s up to you to go back and find out whether your truck has been deemed “safe” by local automobile testing or insurance boards. While most trucks are considered safer, some have a high chance of rollover, causing insurance rates to actually be higher.

Fortunately, in most cases, insurance providers recognize that trucks are higher up than standard sized cars, offering the driver a vantage point and reducing the likelihood of accidents significantly. However, some trucks do not perform well during testing, so it’s a good idea to do research on the make and model of the particular vehicle and how it performed when first introduced. This will have a significant impact on insurance rates.

It is also important to note that the newer a truck is, the more likely it is that insurance rates will be lower. Older trucks are prone to breakdowns and other problems, while newer trucks tend to perform better and last longer. So, if you must buy a used truck, try to buy the newest used truck you can find. Also, the amount of owners a truck has had (the fewer the better) and the lower the mileage, the lower your insurance rates will likely be.

When you begin searching for a provider in your state, the first step is to know the minimum policy amounts. Each state, with the exception of New Hampshire, has set in place basic minimum requirements that each driver must possess, regardless of what he or she drives. These amounts are based, in part, on whether the driver resides in a tort state or a no fault automobile insurance state. Knowing this information is imperative, because choosing a policy below the required amount can get the driver in serious trouble. Plus, any insurance company that offers such policy is likely not legitimate and should be kept away from.

The best way to find a list of fully licensed and legitimate automobile insurance providers in your state is to contact the state transportation department, insurance bureau, or its equivalent. You can then work from this list to find the best automobile insurance provider for your used truck. As a truck owner, you should be aware that not all insurance providers will insure trucks, so your first step will be to find the ones that do not and cross them off of your list. After that, you are free to research the remaining companies. It is a good idea to read several online client reviews written by current or former customers to get an idea of the company’s handling of customers and claims. You can also mark any providers with overwhelmingly negative reviews off your list.

Once your list is whittled down, the next step is to contact each insurance provider, either directly or by phone or internet, to receive a free insurance rate quote. If a particular company does not offer free rate quotes, you will want to look elsewhere. This is a sign that the company only cares about money and will likely try to cheat you instead of saving you money. Most insurance providers will offer rate quotes by phone or online, though some smaller ones may require an in-person visit. This should not be automatically counted as a bad sign, since many smaller providers offer excellent service in an effort to keep up with the competition.

Your final step is to compare the rate quotes you have obtained. Look at more than just the actual number though. Compare the amount of coverage received and any discounts that are offered to you, such as safe driver discounts or low mileage discounts. This information will help you to come to a decision you will be satisfied with.

Audi Quattro Car Insurance Prices

If you are considering buying a luxury sports sedan, you may want to consider the Audi Quattro. This vehicle is a compact sports sedan that is perfect for daily driving and it can be a lot of fun to drive, too. While these are all attractive features that may help to make up your mind about purchasing this vehicle — smart consumers, especially in this economy are having to look at some of the more economical reasons for buying a vehicle. Therefore, it’s important to consider the Audi Quattro auto insurance prices before buying a vehicle.

The Audi Quattro is not only available in the form of a sedan; it is also available as a wagon or convertible, as well. The Audi Quattro sedan competes with other luxury sedans including the Lexus IS, the Mercedes Benz C-Class, the BMW 3-Series and the Volvo S60. The A4 Avant wagon stands against the competition, which includes the Jaguar X-Type, the Saab 9-3, the BMW 3-Series and the Volvo V550. The A4 Cabriolet convertible competes with the Mercedes-­Benz CLK, the Volvo C70, the BMW 3-Series and the Saab 9-3.

The auto insurance prices for the Audi Quattro vary according to the vehicle’s model type. The convertible version carries the highest insurance premiums for this model, due to the higher risk associated with driving high-powered sports cars. While, the insurance for the sedan version of this vehicle is the moderately option of this model and the Audi Quattro wagon will typically, carry the lowest price for insurance, due to its decreased risk of being stolen (compared to the convertible version, which is often stolen for joy riding).

Insurance companies use different variables to determine the actual rate quote for an Audi Quattro. One of the biggest factors for determining your rates for a particular vehicle, in this situation the Audi Quattro is the safety features that have been factory-installed. Safety features in the Audi Quattro help to make drivers eligible for special discounts. All Audi Quattro versions have similar safety features including, passenger and side impact airbags, driver front and side airbags, and optional rear side airbags, as well. The Cabriolet convertible is also available with knee airbags for added safety. There are also a variety of other discounts that you may qualify for, depending on whether you meet the requirements of your insurance company.

The Audi Quattro offers affordable insurance rates, due to its safety features and other discounts. However, rather than opening a new policy for your Audi Quattro through your current insurance company — you can compare quotes from several different coverage providers in your area to find the cheapest rate quote for your Audi Quattro. This will provide you with a more accurate estimate of the cost to insure an Audi Quattro.

The Audi Quattro is not only fun to drive, but it also offers safety, reliability and affordable insurance prices, as well. The key to finding affordable rates is to compare insurance prices to find an insurance plan that meets your needs.

Nissan Maxima Auto Insurance Rates

If you are considering buying a new car and a Nissan Maxima is at the top of your list – it is important to understand the total costs of ownership, including the sticker price, the average cost of gas and your estimated car insurance premium.

The Nissan Maxima is a sports sedan that was designed especially for big families. The Maxima combines comfort, technology, performance and plenty of cargo space. Nissan’s Maxima is one of the most attractive sedans on the road combining a sporty exterior and a sleek look. This sedan also offers incredible acceleration, suspension and amazing handling. The Maxima offers incredibly comfortable seating and a well-designed interior to create the perfect “family car” with a touch of luxury and class.

Nissan Maxima auto insurance rates are dependent on a number of different factors, including some that are related to the type of vehicle, as well as, other variables. Therefore, it is difficult to discuss the exact rates for this vehicle. However, we can provide an estimate of the average auto insurance rates for the Nissan Maxima.

For instance, the 2010 Nissan Maxima S FWD 4-Door Sedan V6 has an average annual insurance cost of approximately $1,580. This estimate can give you an approximate idea of what you may be charged for insuring the Nissan Maxima.

Insurance companies use crash test ratings to calculate your insurance premium, as well. This is good news for Maxima owners, especially anyone who owns or purchases a new model. In fact, in 2009 and 2010, the Nissan Maxima received five out of five stars for every possible crash test, performed by the federal government. This includes a five star rating for frontal driver crash tests, frontal passenger testing, side driver testing, side rear passenger testing, and rollover testing.

According to the U.S. News, the 2010 Nissan Maxima was ranked number 16 from 21 luxury midsize cars. The sporty Maxima is one of the most enjoyable cars to drive in its class. The Nissan Maxima also made 7th on the list of the most stolen vehicles of 2010, which could lead to an increase in your insurance rates. However, there are several opportunities for Nissan Maxima drivers to receive considerable discounts. Some of the personal discounts you may be eligible for include, discounts for safe drivers, 55 and up, good students and more. In addition, Nissan Maxima drivers are eligible for certain discounts based on certain safety features and anti-theft devices, as well. Some of these special discounts include, a passive restraint systems discount (drivers can save a maximum of 30 percent if their vehicle is equipped with motorized seatbelts and factory-installed airbags, an anti-lock brakes discount (for this feature, Maxima drivers can receive up to a ten percent discount on their premium) and a discount for anti-theft devices (a Nissan Maxima that is equipped with an anti-theft device can save up to ten percent off their premium).

Overall, insurance prices the Nissan Maxima are actually, quite reasonable. By comparing rates you can find the cheapest price for Nissan Maxima insurance and a plan that meets your needs.

Will Driving During Rush Hour Cost You More on Your Auto Insurance?

Miles of traffic, edgy, impatient drivers and road rage are all aspects that characterize rush hour traffic. If you are part of the 9 to 5 madness – you know this, all too well. One fact that you may not be aware of is that driving during hectic rush hour can potentially, cost you more on your auto insurance.

Insurance companies use many different factors to determine your premium rates. Your insurance premiums are based on personal facts about you and other drivers in your household. These facts include your age, gender, your driving history and credit information and the ages, gender and driving history of everyone who will be listed on the policy, as well.

Insurance providers use this information (as well as, information including, the make, model and year for any vehicles that are listed on the policy) and compare the risk to insure you, in order to calculate your rates. For instance, an 18-year old male who drives a brand new (and very expensive) sports car would be considered a very high risk to insure. Therefore, his rates would be on the higher end of the scale, especially compared to a more experienced female driver in her 40’s that drives a five-year old minivan. 

Another aspect that may affect your rates is your location, especially because it determines how much you will drive. The less time you spend on the road – the less of a chance you will have of being involved in an accident, therefore, it lowers the risk to your insurance provider, leading to lower rates for you. However, if you are on the road quite a bit or you have a long commute that forces you to drive through rush hour traffic – your rates will be higher, just because you are around more cars and the risk of a claim is greater.

The good news — for all of you who spend a lot of time behind the wheel during rush hour — is that there is a new insurance option that allows you to bypass these higher insurance rates. This type of auto coverage is known as, Pay As You Drive (PAYD) insurance or Usage based insurance. Pay as you drive insurance utilizes different factors than traditional insurance to calculate your rates. Rather than calculating your rates based on such factors as, your driving history – PAYD insurance uses factors including, the type of vehicle you drive – compared with the distance you drive, the places where you drive and the times you are behind the wheel to calculate your rates.

How Does it Work?

The cost for Pay As You Drive insurance, in its simplest form, is based on the number of miles you drive. However, the primary concept of PAYD insurance calculates your insurance costs not only on how much you drive, but also when and where you drive. There are basically, three types of Pay As You Drive insurance:

  1. Your rates are based on your vehicle’s odometer reading.
  2. Your rates are based on the amount of time (in minutes) that the vehicle is in use. This information is transmitted to the insurance company via RF technology or cell phone.
  3. Your rates are based on information that is collected from the vehicle such as, the time of day you are driving, the speed you are driving, the amount of time on the road and the distance traveled.

In addition, the formula used to calculate your rates can include the amount of miles you drive, can be based on the type of vehicle you will be driving and/or the driver’s identity. After you have established the basic principle of this type of usage-based insurance, you can always discuss further details later, including adding a risk premium for driving too long, using your mobile phone while driving and traveling at excessive speeds.

The last two insurance types, where vehicle information is transmitted automatically to the system is known as, Telematic usage-based insurance. Telematic insurance offers much more updated and immediate changes to the cost of insurance, which means that drivers will have a much greater incentive to drive safer (and under safer conditions).

Overall, Pay As You Drive insurance is the ideal key to combating the high costs of driving during rush hour.

Save Money on Your Insurance by Paying a Full Year’s Premiums

Did you know that if you pay your car insurance premium on a month-to-month basis – you are paying considerably more than you should? Stop paying too much for your car insurance by choosing other payment options – Read our tips below, so you can know everything you need to know about paying your monthly premiums, in advance.

In the midst of these hard financial times, nearly everyone is searching for ways to save money. While car insurance is a requirement (in most states), that doesn’t necessarily mean that drivers have to pay high premiums. Drivers can save $60 to $100 per year by choosing other bill payment options. One of the best ways to lower your premium is by paying your auto insurance premium in full, for an entire year.

Most insurance providers will offer a substantial discount to policyholders who are willing to pay six to twelve months of premiums — in one lump sum. In many cases, drivers who pay their insurance bills altogether can save a month or two’s worth of insurance, which is an incredible savings opportunity. However, some other insurance companies may offer less of a discount — saving the policyholder just a few dollars per month for paying their annual insurance bill, in full. Therefore, it is important to check with your insurance provider to find out if paying your premium in full (as opposed to paying monthly installments) will actually save you money, and it is also a good way to find out just how much money you will save, as well by choosing this payment option.

In addition, paying your insurance bill, in full will also save even more money because most insurance companies charge a small monthly fee for paying in installments. Typically, insurance companies will tack on, an extra two to three dollars a month for the added convenience of being able to pay monthly. Therefore, policyholders can save an additional $20 to $30 (or more) each year by utilizing this annual payment option.

When you have discussed your options with your insurance company and you have determined how much you will save – you can decide if paying your insurance premium in yearly installments (rather than monthly installments) is what you want to do. However, in this struggling economy, an extra $20 to $30 in anyone’s pocket can be a great help, (and that’s just the savings you’ll receive by eliminating the monthly installment fees) – not to mention the additional savings you’ll be eligible for by paying your yearly insurance premium, in full.

If you utilize any and all discounts that you are eligible for, through your insurance company (including, multi-car discount, multi-policy discount, safe driver discount, 55+ discount and any other discount that your insurance company offers) AND pay a full year’s premium – you can save a considerable amount of money on your insurance. Additionally, if you have traffic violations, speeding tickets, or higher rates due to having a teen driver on your policy – paying a full year’s premium can help to offset any additional costs that you may already be paying on your insurance bill. If you wish to save the most money – you will first, need to weigh each of your options to determine what you need to do (or the arrangements you need to make) to get the most “bang for your buck”. It is always better to keep your wallet or bank account as full, as possible rather than paying extra insurance costs when you don’t have to.

You may be wondering, “What is my insurance company’s motivation for offering discounted premiums when I pay my full year’s premiums?” Well, the answer is simple: Yearly premiums are good for the insurance company, as well. If you pay your annual insurance premiums, in full – it is a guarantee to them that you will be their loyal customer for, at least the next six months to a year (however, far in advance you have paid). Every business appreciates money, up front, therefore, the insurance industry is no different than any other business – a customer that pays for a product or service, in full (and in advance) is always welcome!

Contact your insurance provider, today to discuss your “money-saving options” to pay for a year’s worth of premiums, all at once. If you have the available cash on-hand to pay your auto insurance bill, in full – you should definitely consider this great way to save money on your auto insurance bill.

Erie Car Insurance Group – Is It For You?

Erie Insurance was started by O.G. Crawford and H.O. Hirt in 1925 and after just three years in the business – the Erie Car Insurance Group had expanded to build offices in several cities. As the company grew, the demand for other types of insurance grew, as well. Therefore, Erie stepped up to the plate to offer a variety of different insurance options including auto insurance, fire, homeowners insurance and inland marine insurance. If you’ve heard the name Erie Car Insurance before, you may be curious, but you’ll probably want to know more about this company before deciding if it’s right for you. Therefore, in the following information, we’ll describe some of the details and options you’ll have, if you choose Erie Car Insurance Group.

Multiple Locations

The first aspect you’ll need to consider (if you’re thinking of opening a car insurance policy through Erie) is whether this provider writes policies in your state. Erie Car Insurance Group is currently, available in 11 states:

  • Indiana
  • Illinois
  • Maryland
  • District of Columbia
  • North Carolina
  • Virginia
  • Pennsylvania
  • Ohio
  • New York
  • Wisconsin
  • West Virginia

If Erie Car Insurance is offered in your state – it could be one of your best options. Therefore, you may want to consider getting a rate quote for Erie to compare with quotes from other providers in your area.

Cheaper Rates & Discounts

Erie Auto Insurance offers fair and competitive auto insurance rates to its customers. In customer reviews, Erie Car Insurance Group was consistently chosen for its cheaper rates. While, rates can vary from policy to policy – Erie also manages to keep the rates so low because they offer a long list of exceptional discounts to their customers. Discounts one can receive through Erie Car Insurance Group include discounts such as:

  • Safe Car Discount (for anti-theft devices such as, an alarm system and safety devices such as, ABS, airbags, etc.)
  • Safe Driver Discount
  • Multi-Car Discount
  • 55+ Discount
  • Multi-Policy Discount
  • Payment Plan Discount
  • Youthful Driver Discount
  • Life Multi-Policy Discount
  • Auto Accident Prevention Course Discount
  • Driver Training Discount
  • College Student Discount
  • Reduced Usage Discount
  • Loyalty Discount (for policyholders who have remained loyal for 15 years or more)
  • Lower Mileage Discount
  • Accident Forgiveness Program

Policy Features

An auto insurance policy from Erie protects drivers against financial loss, in the event that they are involved in a car accident. Erie offers traditional insurance options including liability, property and medical and less traditional options including, uninsured and underinsured coverage that pay you and your passengers if you are involved in a collision with another driver who doesn’t have an insurance policy or who doesn’t carry enough insurance to cover your bodily injury and/or property damage. In addition, more than 30 additional car insurance features can be added to your policy for a customized policy that fits your needs.

Long-Term Stability

When searching for the right auto insurance company for you – you may not think about the company’s financial strength and rankings. However, this is ultimately, very important to the customer because it is proof of a provider’s ability to cover claims – even if the company is in the middle of an expensive financial disaster. To put it simply, an insurance company’s financial stability is important to a prospective policyholder because it will ensure that he or she will receive the necessary repairs to their vehicle and medical payouts after an accident, regardless of the company’s financial state.

J.D. Power is one of the most respected “insurance-ranking” firms in the United States. This company rates the financial stability of various insurance companies (and other companies) throughout the United States. J.D. Power gave Erie Car Insurance Group a five out of five in price, policy options, local agent performance and overall purchase experience.

If Erie Car Insurance Group is offered in your state — this may very well be the right insurance option for you. Not only does this auto insurance company provide top-rated customer service, maximum flexibility and more, but Erie also delivers a high level of customer satisfaction, as well.

There are many different exclusive features that are available to Erie auto insurance customers, but are difficult to find elsewhere, especially in terms of the Youthful Driver discount and many other options. In fact, Erie is one of the few provider options that doesn’t increase your rates substantially when you add your teen driver to your policy. On average, Erie policyholders experience a 50 percent increase for adding their teen, while other insurance providers nearly triple a policyholder’s rates for adding a driver under the age of 21. This is just one of the many reasons why Erie Car Insurance Group just might be right for you!

3 Coverage’s you Can go Without Next Time You Renew Your Car Insurance

If you’ve ever clipped (and used) a coupon, entered a discount code, shopped the bargain bins or you refuse to go out, except for ladies’ night when you get free drinks – you probably already know quite a bit about saving money. What you may not be familiar with is: how to save money on your auto insurance policy. While it may seem confusing – it doesn’t have to be, when you know the basic necessities of car insurance and what YOU will need when you renew your policy.

1. Driving an Older Car or Clunker? Just Say No to Collision — While you may often hear about comprehensive/collision coverage (otherwise known as, total coverage), this type of insurance is the priciest type of coverage available. In some cases, new car owners are required to have total coverage. However, there is another type of coverage you can choose, if not otherwise required to have comprehensive coverage by your bank, lending company or other funding source.

The most basic type of insurance is what is known as, liability insurance. This type of car insurance doesn’t pay for bodily injury or property damage for the policyholder (you) or your passengers, but it does cover these types of liability for anyone else (or anyone else’s property) that was involved in a collision or in the event that the policyholder would need to make a claim. Liability insurance is also the cheapest car insurance you can get, while still abiding by state law. Every state has a different required minimum in relation to car insurance, in order to operate a motor vehicle. Find out what the minimum requirement is in your state and, if you can choose liability over comprehensive coverage.

2. Got Great Health Coverage? Pass on Personal Medical Insurance – While some agents may not want you to know – if you or your spouse, receive great health benefits from your job OR you purchase coverage from another source, you can probably skip Personal Medical Insurance coverage the next time you renew your policy. This is because Personal Medical Insurance coverage basically, works in the same way as your health insurance. Therefore, if you have health coverage, PMI coverage is usually, not necessary.

3. Trying to Save Money? Boot Towing Coverage off your Policy – While towing and labor costs can be a nice addition to your policy, they can also be an expensive addition (that you may never need to use). If you drive a vehicle that has On Star, you will have access to towing assistance. Companies like, AAA and CAA (in Canada) provide reasonable rates for a certain number of tows, per year. Many times, cell phone companies offer plans that allow free towing when you have your cell phone through their company, as well. Of course, if you have no other towing option and your car is not exactly up to par, you might want to go ahead and get this coverage. However, if you can avoid paying for towing and labor coverage each month – in can save you a lot of money that can really add up!

Top 5 Most Expensive Trucks to Insure

Trucks are the most popular vehicle choice for several years – and why shouldn’t they be? Trucks tow. They haul. They get dirty. These tough and rugged pickup trucks offer a vast array of utility that no other vehicle can, which is a major reason for the popularity of this type of transportation. It’s rugged, unique and the epitome of the hard-working American lifestyle.

When you are shopping for a new pickup, your main focus is probably more on things like the bed size and the configuration, but there is one very important aspect to consider: insurance costs. The truck you choose can definitely have a huge impact on the amount of your insurance premium, so it’s best to know everything you can about the truck you’re considering purchasing. Keeping this in mind, we’ve compiled a list of the top 10 MOST expensive trucks to insure. You might notice that heavy-duty truck models are heavily dominating this list. What can you learn from this – don’t invest in a pumped-up pickup unless you really need the extra muscle.

Here is our list of the top five pickup trucks in 2010 with the most expensive premium:

1. Ford F-350 Super Duty

2. Dodge Ram Pickup 3500

3. Dodge Ram Pickup 2500

4. Chevrolet Silverado 2500 HD

5. GMC Sierra 2500 HD

The cost of a person’s insurance premiums are based on a number of different factors ranging from personal information (where you live, the purpose of the vehicle, driving history, credit history, etc.) to the facts about the vehicle. Every make and model has a different insurance price associated with it – different sizes have different prices. For instance, in terms of truck insurance – the bigger the truck, the more damage it can do, and therefore the higher the risk to the insurance company would be, as well. Therefore, a bigger truck means bigger rates. Other factors (related to the vehicle) that can have a major impact on the rates are the vehicle’s safety features and safety ratings. The safer the vehicle (in this case, truck) is, the lower the insurance rates will be. This is due to the fact that safety ratings decrease the probability of a collision and boost the safety of its occupants, as well. To the insurance company, this means there will be a less of a risk for them to have to pay for costly medical bills for the truck’s passengers, in the event that a serious accident occurs.

While you may have never considered it before, you may want to call around to different insurance companies or compare general rate quotes online, even before you buy your next pickup. It’s always a smart idea to think ahead because while, you can make your final payment on a truck and never have to worry about it again – your insurance premiums will follow you for as long as you drive the truck. Therefore, if you do your research before making a purchase, you could wind up saving yourself thousands and thousands of dollars throughout the life of your pickup.

Allstate – Your Choice Auto Insurance Options

Did you know that Allstate is the largest publicly held insurance provider in the United States? This popular and well-known insurance company provides coverage to over 17 million households across the nation. In fact, the Allstate website claims that they insure one out of ever nine vehicles in the U.S. Allstate has not only been providing car insurance services to Americans for more than 80 years, but this company has also earned a reputation for being an upstanding (honest) and fair insurance companies to its vast customer base. In addition to the advantages listed above, Allstate Auto Insurance has a unique option for its customers, known as, the Your Choice Auto Program, that offers affordable plans and rewards for safe driving.

Keep reading to find out more about Allstate Auto Insurance and the Your Choice Auto program.

The Your Choice Auto program from Allstate is available in four unique plan options including, Value, Standard, Gold and Platinum. Each one of these plans has its own characteristic features. As you may have already guessed – the Value plan is the cheapest plan with the fewest options, while the Platinum plan costs more, but offers the most options. Those who tend to get in a lot of accidents might want to consider choosing the Platinum plan because this option keeps your insurance rates at the same low rate, even if they are found to be at fault.

Let’s review the four plan options:

Platinum Plan – The Platinum plan provides a five percent discount off of your insurance rates for every six months that you are accident-free (meaning, you can save 10 percent per year on this option, alone). Another impressive option offered by Allstate’s Platinum plan is the “Deductible Rewards”. The day you open a policy,you’ll get a $100 discount off of your deductible. The maximum savings amount for Deductible Rewards is

Gold Plan – The Gold plan provides accident forgiveness for a single accident, meaning that this option is ideal for those who are not high risk drivers. Allstate will ensure Gold plan policy holders that their rates will not go up, even if they are involved in an accident, even if it was their fault. When you consider the fact that most insurance providers will raise premiums by at least 40 percent, as a result of an accident, this plan can provide substantial savings. Additionally, the Gold plan offers the identical Deductible Rewards program, as the Platinum plan. This plan also allows individuals to enroll in the program known as, the New Car Replacement plan. This plan allows you to get a new car (same or similar vehicle), in the event that it is totaled in an accident.

Standard Plan – The Standard plan option allows policyholders to enroll in the Accident Forgiveness plan when they have held a policy for at least five years and complete eligibility requirements and meet other qualifications.

Value Plan – The Value plan doesn’t provide policyholders with any additional options, rewards or benefits.

If you are considering this option, the Allstate website provides an interactive car insurance guide that takes you through the steps to determine which option will meet your needs and be best for you. In order to use this feature, you will need to know the year, make and model of each vehicle that will be included on the policy, a copy of your current insurance policy, traffic violation details and accident dates for any driver who will be included on the policy, and a DLN for each driver on the policy.