Insurance Quotes Comparison – Are They Easy?

In today’s world, life is fast-paced and there’s not much time left to do things like, pay your bills, go to the grocery, take the kids to practice and compare auto insurance rates. However, on the list of things to do, comparing car insurance quotes doesn’t have to consume a lot of time – and it is actually quite simple. So, busy moms, dads and singles can easily compare auto insurance plans and rates and still have time for what is really important. Learn how simple comparing auto insurance quotes can really be!

There are many ways to compare car insurance rates, but comparing quotes from different companies online is definitely one of the easiest ways to get the job done. While, it is still possible to call each individual company to find the cheapest rate – the internet offers thousands of comparison sites that provide a simple and accurate way to compare auto insurance quotes.

Comparing rates online not only provides the consumer with a side-by-side comparison of the most accurate rates, but also offers information about various insurance plans that may be available to you and supply information about discounts that you may qualify for, as well.

It’s easy to compare auto insurance rates online. Most comparison websites require a small bit information from the user, which includes some personal information and information about the vehicle you are hoping to insure.

Tip: You should never enter your social security number to receive a quote, unless you are signing up for a policy – if the site requests your SSN, it’s a good idea to find another comparison site that doesn’t ask for information, this personal.

Most auto insurance comparison sites typically begin by asking for the five-digit zip code where the vehicle is parked. These sites then ask a short list of questions about your driving history including, how long you have been driving and information about the vehicle, as well, including the make, model and year of the automobile. Most sites also ask for information regarding other drivers who are living in the same household, as well.

While, most comparison websites are free – some comparison sites require you to buy a policy. it’s important to make sure that by entering your information, you are not obligated to sign up for a policy.

Comparing car insurance quotes are super simple and can be done in as little as five minutes. In the time it takes to call one auto insurance company – you can enter some brief information, select the best policy for you and sign-up for the cheapest, possible insurance plan. So, take a few minutes out of your busy and hectic schedule to find out if you are getting the cheapest coverage for your individual car insurance needs.

Discount Double Check – Can You Really Get Cheaper Insurance This Way?

If you received a check for $100 from your insurance company, would you cash it? Of course! Therefore, if your insurance company would like to save you more money, you should take advantage of the savings shouldn’t you? A few insurance companies such as, State Farm and Farmer’s Insurance offer Discount Double Check programs to their customers. In the following information, we will explain what this term means and how it can help you save money on your car insurance, too.

Both State Farm and Farmer’s Insurance companies offer a wide range of discounts to help their customers where it counts. Popular discounts from State Farm include the Good Driver discount (10% off for drivers who have been ticket and accident-free for the last three years), Steer Clear Safe Driver discount (drivers under the age of 24 who have been ticket and accident-free and who have completed the Steer Clear course provided by State Farm), Good Student discount (25% for good students under 25), Multi-Car discounts and more.

A person can become eligible for any of these discounts and many of the other discounts offered by these companies that have not been mentioned, at any time. Therefore, the Discount Double Check program is a great way to ensure you’re getting all of the discounts, you deserve.

The Discount Double Check program works in this manner: the Discount Double Check program reviews the policyholder’s current policy, their driving needs and how they’re doing (in relation to discounts) to provide the customer the most accurate list of available discounts. (e.g. – Safe Vehicle discounts, Driver’s Education discount and Over 55 discounts). The savings at State Farm, in particular can be up 40% off the cost of your current bill).Therefore, customers can save quite a bit on their insurance bills through these companies by double-checking their discounts through this money-saving program.

While, this program can be a great way to save money, it is important to remember that, even substantial discounts may not mean that these companies will have the lowest rates for your insurance needs. However, these programs are a great way to provide peace of mind to policyholders at companies that offer this program. In order to ensure you are receiving the best deal, it’s always a good idea to compare rates from several different companies to find out which option is the best (and cheapest) for you.

Overall, the Discount Double Check program can be a great incentive to switch to these companies because being aware of all of the potential discounts you could be receiving is a great way to know your money is being spent wisely. It helps to know there are insurance companies that are looking for ways to save you money, as well. Talk to a Farmer’s Insurance or State Farm agent today about getting signed up for the Discount Double Check program to start saving money on your car insurance policy, right away!

Compare Auto Insurance Rates in Texas

Texas drivers are required to have minimum auto insurance coverage of at least 25/50/25, which means $25,000 minimum coverage for bodily injury with a maximum of at least $50,000 for passengers and a minimum of $25,000 in property damage liability to cover any other vehicles involved in the accident. Therefore, even for the minimum coverage – drivers living in the Lone Star state should compare insurance quotes to get the best rates. In the following information, we’ll explain how to compare auto insurance rates and the benefits of this simple process, in the state where everything lives up to the “big” hype…except for your car insurance bill.

Auto insurance rates in Texas are determined by different components such as, the garaging address of the vehicle, the type of vehicle, the driver’s age, driving record and whether the vehicle is used primarily for business or pleasure. For those who have been involved in more than one accident or received several tickets, auto insurance rates can be costly. A bad driving record increases your personal risk of getting into an accident and therefore, making a claim, which means the cost to the insurance company to insure a person with a bad driving history can be expensive. However, Texas drivers with a bad record don’t necessarily have to pay a lot for car insurance, if they shop around.

Rate comparison in the state of Texas is done according to the estimates calculated by the Texas Department of Insurance. The TDI uses the same profile information to compare rates for different companies for drivers with the exact same needs for a more accurate rate quote. The Texas Department of Insurance website determines the type of plans that the local insurance companies are more likely to sell to consumers. Texan drivers can visit the website at the TDI where they will be able to check out the free Auto Insurance Price Comparisons and receive detailed information about any discounts they may qualify for, as well. In addition to providing information about the minimum coverage in the state of Texas, the site also provides quotes for 50/100/50 and 100/300/100 coverage, as well.

Comparing car insurance rate in Texas is a simple process, which is done by entering personal information about yourself and your vehicle – rates from different companies are calculated and made available to the consumer in an easy-to-read format.

One way to compare auto insurance rates in Texas is by visiting The Guide to Comparing Texas Car Insurance Online. This simple to follow process requests the zip code where the car is parked and takes you through a quick and easy form that requests simple information about you, your vehicle and other household members who drive, as well.

Whichever website you use to compare auto insurance rates in Texas, it’s important to read the site’s privacy information in order to ensure that your personal information will be safe (and not sold to other entities). By comparing rates, in a safe way, drivers in the Lone Star state could save hundreds, even thousands of dollars a year!

Subaru Impreza Auto Insurance

The Subaru Impreza is a compact coupe in the sports car category, so many individuals who are considering purchasing the Impreza may wonder about the cost to insure this foreign car and whether or not it’s a great deal.

The Impreza offers a high performance engine and features impressive handling, especially in windy conditions. The Subaru Impreza also comes standard with several security features such as, an engine immobilizer, central locking and keyless entry. While these features are nice to have for your protection, they’re excellent to have built-in to the vehicle because it keeps the cost of insurance, especially low. Insurance companies charge lower rates for vehicles with a lower risk of theft and these standard features make the Subaru Impreza, less risky to insure.

In reference to the cost to insure a Subaru Impreza, the rates can vary dramatically according to a person’s location, credit history or driving record and each insurance company. Therefore, in order to find the cheapest rates, it helps to shop around for the lowest premiums by entering your information into a database and receiving an online insurance rate quote.

Factors that may affect the price to insure the Subaru Impreza include:

*Parking Conditions (garage or street parking?)

*Personal Driver Information (zip code, driving history and credit score)

*Current Insurance Information (if applicable)

*Primary use of the car (work or casual driving?)

*Mileage per year (estimate)

*Number of Claims or Accidents (in last three years)

*Make, Model and Year of the Subaru Impreza

The average cost for a single man in his 30’s who parks the Impreza in a garage at night and the car also has the standard safety features would be around $550 per six months. However, the cost can vary dramatically in different locations, therefore it’s important to check around for the average price in your area (and the lowest!).

While the exact price for premiums varies, the Subaru Impreza is typically cheaper to afford than most cars in its class (sports class). In fact, Liberty Mutual Insurance Company (a partner of Subaru of America, Inc. or SOA and the new Drive Performance website) is offering Subaru owners: the Subaru Advantage Insurance Program, which benefits all Subaru owners who qualify (including the Subaru Impreza). The Subaru Advantage Insurance Program offers special plans and programs including, 10 percent off homeowner’s and auto insurance premiums, 24-hour Emergency Roadside Assistance, towing to closest Subaru dealer, original Subaru replacement parts, new Subaru Total Loss Replacement and other special Subaru owner discounts (based on the owner’s age, college education, driving experience, bicycle replacement (Subaru Advantage Insurance home coverage), safety features on the vehicle, and more).

The Subaru Impreza definitely makes an impression with its powerful 142 horsepower (5600 maximum hp) and affordable market price with most models under several thousand under $20,000. And what makes the Impreza even better is that this attractive car is easy and inexpensive to insure for most. Therefore, not only is the typical list price of this vehicle is affordable, but it’s also reasonably priced to insure, as well.

Kia Spectra Car Insurance

The Kia Spectra is economically priced and offers a fuel economy of a respectable 33 mpg highway and 25 mpg in the city. So it’s no wonder this car is a smart consumer buy (both hatchback and sedan models); but what is the price to insure the Spectra?

We typically, don’t think about a car’s insurance rates before we buy our dream car. Nevertheless, the insurance rates are an important aspect to think about when shopping for a new car. The cost to insure should be calculated with the monthly payments for the car, to be sure the payments would be within the budget. The Highway Loss Data Institute (HLDI) gathers information about the insurance costs for every car’s make and model that may be on the road. This estimate in relation to the Kia Spectra is based on the repair costs, safety and damage to interior structure, theft rates, amount of claims filed and injury claims for every type of car, as well.

Theft Rates: The Kia Spectra two-door is much more likely to be stolen than the four-door. However, the Kia Spectra ranks low on the list of cars that are subject to theft; therefore, the rates will be a little lower for this reason.

Repair Costs: The costs to repair the Kia Spectra are typically, low, which means that the insurance will be lower, as well.

Amount of Claims: Theft claims and accident claims are lower with the Kia Spectra, which helps to keep insurance costs low, as well.

Interior Structure – Safety and Damage: The Kia is smaller, but the internal structure of the car is solid, which makes the insurance premiums, cheaper.

Injury Claims: Typically, the rule of thumb in regards to injury claims (to determine the price of the premium) is that the smaller the car, the higher the risk of injury. Therefore, the compact Kia Spectra cars (hatchbacks, especially) pose more of a risk of causing physical or bodily harm, in the event of an accident. However, the Spectra offers many different safety features, which if installed will be eligible for safety discounts (e.g. – front, side and curtain airbags).

For those on a tight budget, the Kia Spectra is a good buy for several reasons:

*Safety Features – The Kia Spectra is loaded with safety features including side, front and curtain airbags, optional anti-lock brakes and more.

*Pick-up – The Spectra has a 2.0-liter 4-cylinder that has a powerful 138 horsepower, which is a fun option for those who want to save money, but still want to get up and go.

The Kia Spectra is typically affordable to insure, but the rates can range from the cheap end to the higher priced end. Therefore, it’s difficult to determine the cost of insuring a Kia Spectra because it depends on the type. Overall, the car insurance premiums for the Kia Spectra depends on personal factors, the type (year and number of doors) of Spectra, safety features that are installed in the vehicle and more. Find out if the Kia Spectra of your choice is affordable or not by getting a price quote in your area from various different insurance companies, about the exact same car. You may find that the Spectra is cheaper to insure than most sedans or hatchbacks.

Free No Obligation Auto Insurance Quotes – Do They Exist?

Are you shopping for a new insurance company? Do you need to find the cheapest coverage? While there are barrages of sites that offer insurance quotes, it’s difficult to know which option is best to receive an insurance quote. Here’s the answer: FREE, No, obligation car insurance quotes.

You probably already know that comparing insurance quotes is one of the best ways to save money on car insurance. The most cost-efficient way to receive an auto insurance quote is by getting a free quote. With a free quote – you start saving money right away!

No obligation quotes make getting an auto insurance quote – hassle free! It’s nice to receive information from a website that doesn’t require you to open a policy at the end. While many car insurance and comparison sites offer free auto insurance quotes, in some cases, by entering your information, you may be obligated to sign up for a policy.

Let’s talk about the questions you’ll be asked before receiving a free, no obligation auto insurance quote. The primary question that is usually asked first is the 5-digit ZIP code where the vehicle is parked. Typically, they will also ask whether you have been insured for the past thirty days (for any vehicle and on any policy). Previous insurance information is used to determine risk. When an individual is not covered by an insurance policy, it increases the risk, as well, as the cost to insure them. Therefore, in order for the free quote to be accurately calculated, prior insurance information is needed to determine the most accurate quote.

It’s important to do a bit of research about an auto insurance quote site, before entering your information. The site should value its users’ privacy and should state their privacy notice, clearly. Auto insurance websites should never sell, give or transfer any personal data to any individual or other entity, except insurance agents, when necessary to receive an accurate quote.

Aside from the fact that these auto insurance quotes are free with no obligation, the best part about the no obligation, free price quote option is that you never have to leave the house, set up an appointment, wait at an appointment or use up a lot of money an time trying to find the right auto insurance company and quote.

Free, no obligation auto insurance quotes are available and they are all over the internet. Check out sites such as,, (one of the largest networks for local and national insurance companies including, auto, life, health and homeowner’s insurance), and The General (where you can sign up for a policy, too!), to name a few. There are many that have been rated by website watchdog sites, as well, which is helpful in deciding the safest free, no obligation quote site. As always, it’s important to be a safe consumer any time you are entering your information and do thorough research about the company. Receiving free, no obligation quotes is the easiest, cheapest, and best ways to receive an auto insurance quote.

Customer Satisfaction Ratings for Car Insurance Companies

It is hard to choose the right auto insurance company, when we think of selecting a new company we often picture TV ads making claims of saving you money, offering the best coverage or new discounts to qualify for, but which one is really right for you? Insurance companies are competing for your business and it’s easy to get lost in the facts and figures, but what really matters in car insurance is the company’s customer service. 

Asking friends, family, neighbors and co-workers about their insurance company is a great way to get an idea of the local car insurance coverage options, pricing, plans and customer satisfaction for different companies. However, insurance needs/requirements are different for everyone so, it’s a good idea to get an estimate on your way to ensure you’re getting the best rates for your coverage needs. One of the best ways to get car insurance from a company that will provide the best service is to find out more about customer satisfaction ratings. Every car insurance company is rated on the financial aspect of their business (by another business named, A.M. Best); however, different companies and organizations compile information regarding major car insurance companies based on the customer satisfaction of those companies. 

The Better Business Bureau is another great resource for finding out more information about certain car companies. The BBB website allows users to search for a business and if the business has been checked by the BBB, then they will be able to quickly view customer-related information about certain insurance companies.

The state Department of Insurance for each state keeps public info that is related to insurance companies. Therefore, information is readily available through many resources. Finding the best insurance company for you is just a matter of shopping around and doing your research.

J.D. Power and Associates offers one of the largest, customer satisfaction databases to exist, to date. The J.D. Power website ( supplies customer information including feedback for virtually every aspect of buying products, shopping and service ownership. This customer satisfaction database holds data individual policyholders across the nation and provide a rating based on overall experience including, price, coverage options, handling of claims and satisfaction with representatives of the company. The information is collected and compiled into the database and categorized by performance.

In addition, to customer approval ratings by A.M.  Best, the BBB, J.D. Power and Associates and the State Department of Insurance, Standard & Poor’s provides the largest, excellent credit ratings for insurance companies and other businesses. Their website (, provides more than 200,000 articles related to research and commentary, and more than 8 million ratings for more than 40,000 businesses across the world. Therefore, there is more than one way to check out the customer satisfaction from several different insurance companies, so you can search for companies with great coverage plans, great prices and excellent customer service — to find the one that is right for you and your specific insurance needs.

How to Save Money on Car Insurance

Do you want to know how to save money on car insurance? Read our easy, money-saving tips for how to cut back on your car insurance bill (even with teenage drivers, a poor driving record or other factors that may increase the rate).

The first tip (and probably the most important) to help save money on car insurance is to shop around for the best rate. Just like the price of gas, car insurance premiums can vary greatly for different insurance companies. In addition, insurance companies offer different rates in different locations. For instance, a State Farm in Idaho may offer the best insurance premiums in that area, while Allstate’s premiums may be the cheapest option in Florida. The process of comparing prices can be done over the phone (by calling the local office or toll free number), in person (by visiting local offices) or online (by receiving a rate quote from each possible insurance company or by getting a side-by-side comparison of some of the major insurance companies’ rates and  coverage plans). The rates can also change throughout the year, therefore, it’s a good idea to check the rates every six months – to be sure, you’re getting the best deal.

Finding (and qualifying) for the appropriate discounts is another way to save money on car insurance. Most insurance companies offer great rates to good students, part-time drivers, safe drivers and more. The secret to receiving these discounts is to know that they exist. The best way to find out more about the various discounts offered by different companies is to ask insurance representatives or to investigate online. In addition, it also helps to pay annually rather than quarterly or monthly, if possible, to receive an additional discount.

For households with teenage drivers, the insurance premiums are typically, sky high. However, if there are fewer cars than drivers in the household, it may be a good idea to list the teen as a part time driver to save money. If each driver in the household has a car then, the cheapest method is to list the teen as the primary driver on the car that offers the lowest rate. However, keep in mind that the oldest car (or the cheapest) does not always mean that the rate will be the lowest. If the price is still too high, then another way to cut back on the price of the premium is to buy an older car that offers a low rate (even if it stays put in the driveway) to list the teen as the primary driver. This way, the teen will still be covered on the other vehicles, but the rate will stay low, because of the cheap vehicle.

Insurance companies use many different factors to determine the premium such as, a person’s age, gender and driving record. Moreover, while the first two factors cannot be changed, it is possible for a person to improve their driving record. In many states, the DMV uses a point system (with points being assigned for accidents, speeding tickets and traffic violations), which is given to the insurance companies to determine a person’s driving history and ultimately, their car insurance rate. The more points a person has on their license, the higher the insurance rate will be. However, the points can be removed if a person attends defensive driving classes or traffic school. In addition, the longer a person goes without having an accident or receiving a ticket, the more the rate will drop. Therefore, even drivers with a poor driving record can get cheaper rates — it just takes some time.

Another great way to reduce the premium is by taking a higher risk, which can be done by lowering (or dropping) collision coverage on an older vehicle, if the vehicle’s worth is lower than $2,000. Another tip to lowering the premium is to change the policy by asking for a higher deductible (the money the driver is required to pay before the insurance company will pay their part). This allows the policy owner to pay for the small or minor problems, but lets the insurance company pay for any major claims.

In this economy, it helps to save money wherever you can — especially when it comes to major bills like, car insurance.

Cheap Car Insurance in Maryland

Each state in the United States requires a certain level of auto insurance coverage, including the state of Maryland. In the following information, we will explain the car insurance laws in Maryland and how to find cheap coverage, as well.

The state of Maryland mandates that all drivers need to have a current insurance policy with the minimum coverage or better. The minimum type of coverage in Maryland is referred to as, 20/40/10, which translates to $20,000 a person for bodily injury with a maximum of $40,000 and $10,000 for property damage. Those who are caught without insurance are required to pay large fines and may receive penalties for not being covered. In Maryland, drivers are required to have third party liability insurance (PLPD), uninsured or underinsured driver’s coverage and accidental benefits coverage. Therefore, just having comprehensive or collision coverage does not meet the minimum state requirements. In addition to requiring car insurance coverage, drivers in Maryland are also required to keep a valid insurance card that is current, in the vehicle at all times.

In the state of Maryland, anyone who is registering a new car or renewing their registration needs to sign the FR-19 insurance certificate. The certificate may only be provided by a licensed insurance provider in the state of Maryland or an authorized insurance agent and can be electronically sent from the insurance company. This certificate is an agreement that the minimum amount of liability coverage will be sustained throughout the registration period (30 days) and no driving will occur without the vehicle having this type of coverage.

Uninsured motorists in the state of Maryland face serious penalties that can include losing their license and having to pay the full amount for any injury or damage that may have occurred because of an accident. In addition, uninsured drivers in Maryland may be required to pay an uninsured motorist fee ($150 per lapse for the first month and $7 per day, after the first month) and drivers without insurance in Maryland may also be able to pay a $25 restoration fee, which goes towards the vehicle registration. In addition, the DMV offices in Maryland could also restrict uninsured motorists from renewing registration or registering new vehicles until the violations have been cleared and it’s also possible to be required to pay a fine (up to $1,000 and/or one year in jail). These fines and penalties may be also added to any fines and penalties charged by the courts.

The safest way to avoid these fines and penalties is to maintain the minimum auto insurance coverage on any vehicles you drive. There are several insurance companies to choose from, including larger companies such as, Allstate, GEICO and State Farm, as well as, other local insurance provides in Maryland. The best way to receive the cheapest rate in the state of Maryland is by comparing car insurance rate quotes in the area. Motorists in Maryland can save lots of money on car insurance by opting for minimum coverage and comparing rates and services of the various companies in the area.

Major Car Insurance Company Review

There are hundreds of car insurance companies all across the United States, but how does someone choose between the multiple options? In the following information, we will review some of the major insurance companies to help you with the decision.

State Farm Auto Insurance Company

State Farm began providing insurance in 1922 and now, this company is one of the 25 largest businesses on Fortune 500. State Farm provides coverage for more than 74 million car, fire, life and health insurance policies throughout Canada and the United States and more than 1.8 million customers use their banking service, as well. The discounts through State Farm include:


*Anti-Theft Device

*Defensive Driving

*Driver Training

*Good Student

*Multiple Policies

*Multiple Vehicle

*New Business

*New Vehicle Safety

State Farm provides these discounts and more, however, the plans and discounts may not be available in all states.

Allstate Auto Insurance Company

Allstate was founded in 1931 as part of Sears and Roebuck, Co. Now, Allstate is independent and offers insurance to more than 17 million households. Allstate offers a vast selection of car insurance plans to suit every need including:

Allstate Accident Forgiveness – Insurance rates can increase by up to 40%, after an accident. However, Allstate’s Accident Forgiveness ensures that the rates will not increase if an accident happens, even if the accident is your fault.

Allstate Deductible Rewards – This program from Allstate allows $100 off the collision deductible when customers sign up. In addition, every year that goes by without an accident, the customer receives an extra $100 off with a maximum benefit of $500 off.

Allstate Safe Driver Bonus – Allstate provides an incentive of 5% off the next renewal premium for every six months without an accident.

Allstate New Car Replacement – Brand new cars that are covered with this protection and are totaled in an accident are eligible to be replaced with a different car with the same make and model.

Allstate Easy Pay Plan – Automatic bill payment is available for all coverage plans.

GEICO Auto Insurance Company

GEICO (Government Employees Insurance Company) started in 1936 as a service to government employees and those in the Military. Today, GEICO has more than 7.4 million policyholders and provides coverage for over 12 million automobiles. Moreover, GEICO is a subsidiary of Berkshire Hathaway, which is owned by Warren Buffet and has more than $15 billion in assets. Popular discounts through GEICO include:

*Discount to more than 250 organizations (affiliated with GEICO) and their members

*Good Student Discount

*Safety Features (air bags, anti-lock brakes and more)

Progressive Direct Auto Insurance Company

Progressive, an innovative auto insurance company began in 1937. This company started offering a service that allowed drive-in claims before any other company and allowed customers to pay premiums in installments, which is an attractive option to those who have difficulty paying annual payments, all at once. Progressive provides several different services to their customers including:

*Accident Forgiveness

*Concierge Service


*24/7 Claims

* A.M. Best Rating of A+ (Superior)

*Immediate Response Vehicles

*Multiple Payment Options

*Over the Phone, Online and Mobile Support Claims Service

*Online quotes and comparisons

*Total Loss Replacement

The major car insurance companies that have been reviewed in this article are some of the best options that include special plans, discounts and plan options for added protection, convenience and savings.