Choose a Good Auto Repair Shop to Keep Your Car Working Properly

Have you ever been out driving on the road without a care in the world and suddenly your car starts to make a funny noise? While you turn down the radio so you can hear the sound clearly, do you start to think about all of the things that could be wrong with your vehicle? Maybe you start thinking about the last time you took your vehicle in for repairs. No matter what you start to think about during that time, one thing you can’t ignore is the fact that your car needs to go to an auto repair facility.

Instead of taking any chances on the problem getting worse, you need to contact your local auto repair shop and find out when is a good time for you to bring your vehicle in for service. The longer you drive around ignoring the issue, the larger your repair bill will be. If you don’t have a good auto repair facility that you can take your car in too, it is time for you to start looking for one.

Any auto shop that you decide to take your vehicle to needs to be run and managed by state certified mechanics. You do have the option of choosing to have your vehicle serviced at the dealership or at an independent shop. You may want to check around and get some recommendations on where you should go so you don’t end up wasting a ton of time. Some places are pretty fast when it comes to repairing your vehicle and others may be a bit slower. Some places require that you leave your car with them and others will fix it while you wait.

Keep in mind that all auto repair shops aren’t the same. While many of their workers may hold the same credentials, the rate charge for service can differ greatly. Don’t be so quick to go with a facility that charges rock bottom prices, because you may not be happy with the end result. You need to make sure that any parts they are using on your vehicle are new unless you have specified otherwise.

Pay attention to how you are treated when you visit different auto repair facilities. No matter what type of vehicle you have or what type of work needs to be done on your car, you should be treated as if you are the best customer in the world. That means that any questions or concerns you have should be addressed promptly. You should be treated as if your time and patronage are very valuable. If there are going to be any delays or unexpected issues concerning your vehicle’s repairs you should be notified as soon as possible. A good shop is one that communicates with its customers every step of the way and charges them fair and competitive prices. The work they perform should be exceptional quality and they may even offer warranties with their work. The bottom line is you should end up a happy and satisfied customer after having your car worked on.

Tips On How To Save Money On Car Insurance

Some things in life are free. Car insurance is not one of those things, and it can be rather darn expensive. Here are some ideas on how to save money on car insurance.

Depending upon what state you live in, having car insurance may not only be a smart way to protect your car, it may also be the law. Certain states require that drivers carry insurance on their vehicle, and for good reason. Car repairs can be very expensive, and most people do not have a few thousand dollars set aside just in case of an accident.

Since car insurance is something we need to spend to money on, we should try to at least save some money while we’re doing it, right?

Here are a few tips to help you save some money on your car insurance bill.

1. Get quotes from more than 1 company. You are severely limiting the money you might save by signing up with the first company you get a quote from.

2. See if your employer has any special relationships that might entitle you to cheaper insurance. Some companies that are only available to groups have incredibly attractive rates and can save you a lot of money.

3. Some companies offer percentage discounts for a good driving record, good grades in school, and defensive driving courses. A defensive driving course might cost you a few hundred bucks, but it might you save you multiples of that over the next few years. Check with the insurance company to see which programs qualify for this discount.

4. Make sure your motor vehicle record doesn’t have any wrong information. Identity thieves have figured out that it is not too difficult to get their moving violations on someone else’s record.

5. Carrying a higher deductible, for example $1000 instead of $500, can lead to lower rates. If you are not prone to having accidents, a higher deductible might be a good choice for you.

6. If you have a teenage driver, consider having them get their own policy. At least get quotes to compare whether they are adding unnecessary expense to your rates.

7. Move to a rural area. This is probably not a viable option, but car insurance does vary heavily by area and state. More densely populated areas oftentimes have much higher rates than rural areas.

8. If your vehicle is completely paid for, you may only need to carry a minimal amount of insurance. Check with your insurance company and state laws to see if you’re required to carry coverage such as liability, collision, or comprehensive coverage.

9. Some car insurance companies will give a discount if you have an alarm or theft-deterrent device installed. If your car doesn’t have one already, consider getting one.

There you have it. A few free tips on how to save money on your car insurance. Some may work for you and some may not, but you won’t know that you’re getting the best rate unless try to implement some of these tips. Good luck in reducing your car insurance bill!

Choose The Right Auto Repair Services For Your Vehicle

If you are worried about the poor performance of your car lately, it is time to get it checked at a reliable auto repair services shop. Automotive repair is a regular maintenance practice which is required for longer lifespan of any automobile. It is also a big expense and with the increasing age of the automobile, the maintenance requirements also grow. There are various options for it in every area but choosing one depends on the type of vehicle owned as well as the proximity of the repair shop to your location.

Car repair is also dependent on seasons. For example during summer, the engine needs to be taken care of, especially if you are planning to undertake a road trip. Going in for a full service is a wise decision to make in such a situation to avoid any inconvenience during the trip. Every car owner should also be aware of certain minor problems related to their vehicle which can be easily fixed by themselves whenever required.

Tips For Choosing The Right Auto Repair Services:

It is advisable to start looking for an auto repair shop when you own a car because one never knows when the need might arise. Here are some tips to find reliable it services:

* One of the best and most reliable options of finding auto repair services is asking friends and colleagues for references. If they have the experience of getting good service regularly, it can be a great option to choose.

* The auto repair shop should have qualified professionals to carry out the repair and maintenance work with ease. A proof of high quality is the association of the repair shop with a, NAPA Autocare, ASP or Parts Plus. This association ensures that the repair shop has undergone high scrutiny of service and also has satisfied customers.

* The look and feel of a repair shop is also important. One can also take feedback from customers at the shop about the kind of service provided by the technicians and how satisfied they are.

* Find out if the shop has technicians with certification like ASP, Delco or certification from manufacturers like Toyota, Ford, and GM. This indicates how serious they are about their job and service provided. This also means that they are up-to-date with the latest technology which is actually a sign of excellence.

* Also, it is not necessary that a larger repair shop will be better than a smaller one. Always check for prices in every shop you research because prices are usually competitive in any area.

* Look for state-of-the-art equipment in the repair shop. Without a well equipped store, complete repair cannot be guaranteed. This becomes even more essential if you own the latest model of car.

Maintenance and it services are very important for any automobile. Although they may be difficult to afford at times, they are priceless when it comes to maintaining the good health of your vehicle. It is very important to make the right choice.

Totaled Car or Not – 5 Tips so Your Carrier Declares a Total Loss

Your totaled car is sitting in the backyard when you get a

telephone call from your insurance adjuster. They will fix your car! In many

occasions this is good news, but when your car is nearly destroyed, and the

insurance company wants to patch it together and give it back to you, then

you’ve got a problem.

Think about it. The car will never be the same. If you want

to trade it in or sell it, you will probably have to take a substantial

reduction in price to be able to get rid of it. You also need to consider the

safety aspect of the car. Will your car ever be as safe as it was before the

impact?

In most accidents, cars can be fixed with no major

problems, but when you have a totaled car (or you are almost there) and the

insurance company will repair it and return it to you, you can be faced with an

uphill battle.

Insurance adjusters decide if you have a totaled car or a

fixable car. They need to first determine the value of the car and then

determine if the repair estimate is less than 70, 80, or even 90% of the car’s

value. So how do you protect yourself? Here are five simple tips.

Tip # 1: Ask for the repair estimate. Getting the

repair estimate will show you what the insurance company thinks is wrong with

your car. Review the estimate. Make sure the car will be painted and that all

the necessary parts to fix it are accounted for. If you do not know mechanics

that well, take that estimate to another shop and ask them to review it. You

will be surprised when other shops will tell you that your car should not be

repaired.

Tip # 2: Make sure you have the insurance company

account for all the cost associated with fixing the car before they start

working in your car. Have them account for all the parts and the shipping cost.

Make sure that the parts they are buying are actually in inventory. In many

cases, insurance adjusters price a part, but cannot find it. This will make you

wait longer and they would have to pay for more rental.

Tip # 3: Ask for a “tear down” so you know that

there is not a totaled car but a car that can be properly fixed. When insurance

adjusters and body shops write estimates, the do not get under the damaged

parts. They only look and estimate the damage that is visible. A tear down is

the process of taking off all the damage parts and looking to see if the parts

below are also damaged. More often than not, hidden damage will appear, and this

will make the estimate of damages higher and taking you closer to a totaled car.

Insurance companies do not want to pay for this tear down.

But if you insist, they will pay for it. This is a good idea anyway for two

reasons. The tear down will most likely than not increase the repair estimate.

You will also know if the integrity of the frame and chassis were compromised in

the impact.

There is no question that the body shop can put the car

back together. The question is if a fixed totaled car will be safe to be on the

road. Make sure some one looks at the mechanical and structural integrity of the

car.

Tip # 4: Use the rental expense to your advantage.

If your totaled car is going to get repaired, then it is likely that it will

take 20 to 30 days before your vehicle again. That is only counting body work

and paint and that all parts are on hand at the time the mechanics start

working. It will take longer if you have mechanical problems.

The insurance company will be looking at a rental bill that

could be over $1,000, depending on the limits of your policy. We have seen

rental bills of $2,000. If you have a totaled car, then the insurance company

will only have to pay up to three days of rental (sometime less, depending on

your state). They will be saving significantly if they do declare a total loss.

Tip # 5: Research your state law for

diminished or diminution of value claims. If you are making a claim against

your own insurance company, some states will allow you to ask for the difference

between what the car was worth before the accident, and what it worth after it

is repaired. Many states do not allow for first party claims like this one.

However, the restrictions only apply to first party claims. If you are making

this claim against the insurance company of the person that hit you, then the

claim will be allowed. Also, if you are making a uninsured property damage claim

against your own carrier. The claim will be allowed.

Click here for more tips on how to handle a totaled car claim.

Auto Repair: Know When to Repair a Windshield

When thinking of different things that keep us safe during a drive, we rarely even think about the windshield. But the truth is – the windshield of your vehicle is more important than you think. Anyone who has been driving for a long time would have come across this situation: a dented or cracked windshield. Early drivers tend to ignore this because it does appear to be something that could cause any major damages to the vehicle or the driver. And you would postpone the repair until there is time and money to do this. But that time will never come. Getting your windshield fixed is an easy part of an auto repair. It is important and can be done even from home.

Cracked Windshield

The windshield is a two-layered laminated glass. This laminate is made of vinyl plastic which is very strong. The windshield accounts for nearly 20% of the strength of the car. It plays a major role in keeping you safe. With the advancement in technology, the process of placing the windshield has become a computer controlled process. It has been designed to work with the other safety devices in the car. For instance, the airbags need a strongly bonded windshield in order to work correctly. Thus, it is important to get even a tiny crack on the windshield repaired. Ignoring it may put the life of the driver in danger.

AUTO REPAIR:

The costs for replacing the entire windshield costs $300 and repairing a crack or a chip in the windshield could cost around $100 or lesser. There are also many kits available for you to repair the windshield yourself. These kits can be purchased from Amazon and in large stores that sell auto parts such as Wal-Mart, Kmart, Sears, and AutoZone. The kit will consist of the adhesive seal, windscreen repair resin, curing film, pedestal and a safety razor. Once you have the kit, park your car in your garage or somewhere indoors. Use a pain to clear out any broken glass from the windshield and leave it to dry. The instructions on how to use the kit will be available with the package. If the directions are unclear, the best option is to take the car to an auto repair workshop.

Another consideration is your car insurance. If you carry comprehensive coverage, then windshield repair can be included in your coverage. Be sure to check your deductibles as this will be required to be paid first. In some states, there is no deductible for windshield damage, as it is considered a safety related repair.

At the end of the day, the important thing is that any windshield repairs are fixed immediately and you are no longer vulnerable to any potential accidents.

Upside Down on Car Loan – Chapter 13 Cram Down Provisions and Chapter 7 Redemption

Clients often find themselves in need of debt relief because of a car loan gone badly.

Modern day society necessitates owning and maintaining an automobile which sometimes evolves into a devastating financial burden. Lenders are quick in financing vehicles knowing borrowers highly prioritize automobile transportation over most other financial obligations. Even borrowers with bad credit are fitted into an automobile financing packages priced at high interest rates to compensate aggressive lenders for the added risk.

Financial difficulty often arises from auto financing. The happy car buyer drives their new vehicle off the lot financed nearly 100%. As the saying goes, almost immediately thereafter, the new vehicle depreciates in value several thousand dollars before it is even hits the highway.

Automobile transportation costs $4,000.00 to $6,000.00 annually including auto loan payments, liability and collision insurance, repairs and maintenance and gasoline.

Havoc begins when an unexpected car repair not covered by warranty, or a motor vehicle accident, unexpectedly and substantially decreases the value of the vehicle far below the outstanding loan balance owed to the bank. Or, perhaps more harmlessly, on a trade- in for a new vehicle where eager car salespersons and lenders agree to take in your old vehicle on trade, and throw the remaining outstanding balance from your old car loan (for a little higher payment) on the back-end of your new auto loan leaving the new car buyer considerably ‘upside-down’ on the new vehicle purchase.

These situations leave the borrower in a predicament where sizable portions of income are devoted towards covering an unsecured auto debt obligation that is of no use towards sustaining modest costs of necessities for family living.

Under certain circumstances relief from these devastating financial predicaments can be obtained through a bankruptcy filing.

CHAPTER 13 CRAM DOWN PROVISIONS

Under Chapter 13 of the United States Bankruptcy Code, Debtors are permitted to ‘Cram Down’ the unsecured portion of their auto loans to the fair market value of the vehicle securing the loan. This requires debtors to pay back only the secured portion of the auto loan, but the unsecured balance is treated as a general unsecured creditors providing substantial benefit for the Debtor, permitting Debtor to only pay a small fraction of the unsecured portion of the auto loan debt that is owed.

As an example, let’s suppose our debtor owns a car worth $10,000.00 and there is an auto loan with a payoff balance of $20,000.00. In this scenario, the loan is only partially secured. The auto lender is secured only to the extent of the value of the vehicle or $10,000.00. The remaining $10,000.00 balance on the loan is unsecured. In this situation the Bankruptcy Code affords the Debtor the right to cut off the unsecured portion of the auto loan and treat that portion of the loan as unsecured. So, if General Unsecured Creditors were only receiving a dividend of 20%, the auto lender would receive only $2,000.00 on its unsecured portion of the auto loan.

These situations become sticky between Debtor and Lender because often disagreements arise as to the correct value of the vehicle. Your bankruptcy attorney will need to negotiate a settlement over the valuation before confirmation of the Debtor’s Chapter 13 plan.

Valuation is guided under provisions of the United States Bankruptcy code, specifically 11 U.S. Code § 506 – Determination of Secured Status.

11 USC §506(a)(2) specifically states:

“If the debtor is an individual in a case under chapter 7 or 13, such value with respect to personal property securing an allowed claim shall be determined based on the replacement value of such property as of the date of the filing of the petition without deduction for costs of sale or marketing. With respect to property acquired for personal, family, or household purposes, replacement value shall mean the price a retail merchant would charge for property of that kind considering the age and condition of the property at the time value is determined” emphasis added

The Cram Down provision under the bankruptcy code also provides for a reduction of the interest rate on the auto loan. Often Debtors find themselves shelling out enormous auto payments used to cover exorbitant interest rates auto lenders often charge to risky borrowers.

An interesting exception was enacted under the 2005 Amendments to the United States Bankruptcy Code prohibiting cram downs where the purchase money auto loan was originated within 910 days (2 ½ years) of the filing date of the Chapter 13 bankruptcy [see 11 U.S.C §1325(a)(9)]. Debtors must consider timing of a Chapter 13 filing if they desire to escape the burden of a burdensome auto loan debt. Bankruptcy rules require car loans taken out within 2 ½ years of the bankruptcy filing must be paid as agreed.

CHAPTER 7 REDEMPTION

Cram downs are not permitted under Chapter 7 bankruptcy (or ‘straight bankruptcy’). But, Chapter 7 debtors are permitted to ‘redeem’ personal property under 11 U.S.C. §722.

11 U.S.C. §722 provides as follows:

“An individual debtor may… redeem tangible personal property intended primarily for personal, family, or household use, from a lien securing a dischargeable consumer debt, if such property is exempted under section 522 of this title or has been abandoned under section 554 of this title, by paying the holder of such lien the amount of the allowed secured claim of such holder that is secured by such lien in full at the time of redemption.” emphasis added

Redemption, however, can be difficult under Chapter 7 because debtors must pay upfront in full a lump sum of cash an amount sufficient to pay the secured portion of the auto loan measured by the fair market value of the vehicle at the time Debtor seeks to redeem the vehicle. Chapter 7 does not permit a restructuring of the loan, but sometimes the auto lender will accept payments over time, but usually within a short term.

CONCLUSION

If your vehicle is worth less than you owe on it, bankruptcy options can be advantageous towards affording you to retain your vehicle and move towards better financial health.

Chapter 13 can reduce or ‘cram down’ your loan balance and interest rates thereby lowering your auto payment making it affordable. Chapter 13 also enables you to restructure past due auto payments and spread them over the term of the Chapter 13 plan so you can afford to catch up the past due payments within your personal financial means.

Chapter 7 bankruptcy does not accommodate restructuring of loan repayments but the §722 redemption provisions allow debtors to purchase their vehicles out of bankruptcy for the fair market value of the vehicle, leaving the unsecured portion of the debt discharged under the Chapter 7 bankruptcy.

Why You Should Look For An ASE Certified Mechanic For Your Next Car Repair

Cars and trucks have gotten much more complex over the years; gone are the days when everyone could work on their cars in their own garage or back yard. Today’s technology in vehicles, from electronics and computer chips to increased fuel efficiency, means that vehicles are sometimes just too complex and time consuming for the average DIYer.

Finding the best mechanics to provide auto repair services is absolutely essential. Keeping your vehicles on the road and not stuck in the shop is extremely important; for many people, their vehicles are their livelihood. In order to get the best auto services, look for an ASE certified mechanic for all of your auto repair and maintenance work.

What Is An ASE Certified Mechanic?

The National Institute for Automotive Service Excellence runs a comprehensive program to certify trained personnel. An ASE certified mechanic must pass a comprehensive exam, have two years of on the job training and work experience, and must pass a refresher exam every five years. Furthermore, the best mechanics can shoot for the Blue Seal of Excellence Recognition program and specialize in key automotive areas, such as automobile, medium/heavy truck, truck equipment, school bus, collision repair, and more.

Why Should You Use An ASE Certified Mechanic?

Certification is an excellent way to vet a potential service provider. A garage that only employs certified personnel is staffed with employees with the proven auto repair knowledge and skills that are vital for working on today’s cars, trucks, and SUVs.

There is nothing worse than having to bring your vehicle back to a garage for repairs if the job wasn’t done right the first time. Certified repair personnel are trained and experienced to be able to diagnose and solve problems the first time.

One of the best reasons to stick with a certified professional for your auto repair and maintenance needs is safety. Having a well running vehicle is important to you and your family’s safety. Breaking down on the road can be a dangerous situation and break downs always seem to occur at the worst place and at the worst time. You can’t prevent 100% of break downs ahead of time, but you can certainly play it safe by having professional perform regular preventative maintenance on your vehicle.

Long Term Benefits Of Quality Car Care

In the end, receiving the best possible car care will keep your vehicle on the road longer and save you money. A vehicle that receives regular maintenance, running at peak performance, will get better gas mileage and cost less in repairs. And ultimately, the more miles you can put on your vehicle, the better value you will get from the down payment and monthly payments. Preventative maintenance and repairs done by a professional ASE certified mechanic are essential to getting the most out of your vehicle.

Does Auto Insurance Help If You Are a Victim of a Hit and Run Accident?

Unfortunately, the news about a hit and run is on the radar every so often. A pedestrian or a car driver is hit by a vehicle and the driver responsible for the accident speeds off without owning up to his actions by checking on the victims and providing his or her contact info to police.

What defines a hit and run accident?

A hit and run incident occurs when one driver crashes into a person or a car and intentionally drives on in order to avoid prosecution or accountability for resulting death, injury and/or damages.

Should you become victimized in a hit and run event, never pursue the fleeing car. You might find yourself in a road rage incident or the like. Leave the chasing to the cops who are trained in this type of thing. What you should do immediately following the crash is to alert the law enforcers.

For your best interest sake, gather as much information as you can about the event. This will help police catch the driver who collided into you. It will also add to the chances of your submitted insurance claim be processed to your advantage.

Here is what the insurance underwriters tell victims of hit and run accidents to do.

As said, the more information you gather about the case, the more chances of it ending to your benefit.

Tell authorities about facts by providing the following:

• The make and model of the other car or vehicle

• The license plate number of the other car

• How to get in touch with people who witnessed the accident

• The time and place when and where the accident occurred

• Images taken of your car immediately following the collision. (leftover paint of the other car on your vehicle will assist authorities in locating the other driver and pinning charges as it will help the insurance company determine a good outcome for your claim)

• Physician’s report about any injuries you or your passengers incurred as a result of the accident

If the driver who slammed into you and drove off without accepting liability is caught, you can submit an auto claim directly to his or her insurance company. But, should the other driver happen to be with insufficient insurance coverage or no coverage at all, you might want to resort to an attorney’s services.

Another avenue to pursue is your own insurance coverage. If the hit and run driver does not have proper insurance to cover your losses, you can file a claim with your insurance company. States differ in policy as far as the claims process goes, so you’ll have to do the research. Generally speaking, if you have uninsured motorist bodily injury coverage, you will be covered for medical bills and if you have uninsured motorist property damage insurance, you will be covered for related auto repair work.

Though there are various US states that do not cover you with these forms of insurance, they should cover you if you have personal injury protection coverage as well as medical payments insurance and collision coverage.

Of course, it’s best to speak with a knowledgeable independent insurance agent that has experience in this type of claim, so make sure you hook up with a reliable source!

Cheap Auto Insurance Companies Overview: Important Factors to Consider

All car owners are always looking for ways to save on the costs associated with their automobile, whether it’s on repairs, gas, insurance, etc. Nowadays, there are more cheap auto insurance companies than ever before, and if you are in search of a more affordable policy, you can use internet tools to help you.

Beware that there are scams and that it is possible to make a mistake and choose the wrong company or policy, even if the offer is legitimate. There are many things to look for in an insurance company, including its financial strength, number of years in the business, number of complaints, number of positive reviews, what kinds of discounts they offer, how easy it is to file claims with them, and so forth.

There are some things that affect the rates you will get that will be challenging for you to change. For instance, if you have poor credit history and/or a poor driving history, it’s going to take some time to prove to insurance providers that you are now trustworthy and that you are working on making improvements. The improvements themselves will take a lot of time as well.

Think about what would be better for you financially: to pay more money each month on the premium or more money out of your pocket in the event that you are involved in an accident on the deductible. Typically, individuals who have an older vehicle or an inexpensive one will opt for lower premiums since the vehicle might not be worth the price of repairs or replacement if it’s totalled anyway.

Cheap Auto Insurance Companies for Older Vehicles

If you do have an older vehicle, then you might be able to do without collision coverage as well. Find out what the minimum legal requirement for automobile insurance in your state is and decide if that is enough for you or if you want to be on the safe side and get some more. There are always variables to consider when it comes to getting quotes from cheap auto insurance companies.

Consider value, not price, when comparing quotes. Which offer includes the right kind of coverage you need at a reasonable price? Do the terms regarding the deductibles and premiums look ideal to you? Carefully read over each offer and do the relevant research on the companies.

There are things that could be in your favor that you’ll want to let a potential insurer know, such as low mileage, unemployment, have a job close to home, work out of the home, etc. Driving less means that you may qualify for a lower premium.

Lastly, check and see if you qualify for any special discounts. You’ll be surprised at some of the discounts some auto insurance companies offer.

Where should you begin your search for cheap auto insurance companies? Esurance Insurance Services, Inc has tons of positive reviews and 4 and 5 star ratings. You can always count on car insurance savings being easy to find at esurance.

Online Auto Insurance May Be Cheaper For You

Many people surf the web now to save money on car insurance. And for good reason – you can often save quite a bit if you get auto insurance quotes online.

Different Ways to Save Money on Car Insurance

Your car insurance agent, if you still have one, may have talked to you about the historically-effective ways to save the most money when giving you the latest auto insurance quote. We’re talking here about things you can control yourself. All of those same factors still apply, but the internet allows you to be more thorough and to get more car quotes to compare prices.

Higher Deductibles.

Car insurance quotes usually drop dramatically when based on very high deductibles. The only question here is: How much pain can you absorb yourself? That is, don’t raise your deductibles so high that paying them would force you to borrow money or suffer financial distress.

But if you adopt the philosophy that insurance is meant to protect you from catastrophic losses, then this approach makes the most sense. Keep your deductible money in an insured savings account. It’s possible that the premium money you save with very high deductibles will allow you to fund that account in just a year or two – and everything after that is pure gravy.

If you’ve ever experienced a rate increase after filing a claim then you’ll appreciate another benefit of incurring higher deductibles on your car insurance rate: you will file fewer claims. No longer will you submit an insurance claim for a $500 windshield repair – but the additional cost of paying it yourself will be more than made up for by your extremely low car quote.

No Physical Damage Coverage

This approach is similar to #1 except it applies mainly to cars that have been on the road for a few years. If you’re in a collision with an older car you may find the repair bill is higher than the Kelly’s Blue Book Value of your vehicle. Without insurance you’d think twice about making the repair, especially if you can still drive the car and the damage isn’t too bad.

You have to compare the potential cost of fixing or replacing your car with the impact on your auto insurance rate. If the difference is dramatic you can bank the savings and watch your savings account grow because of your cheap auto insurance quotes.

If you’re a very safe driver and never had an accident it may be a great way for you to save money – as long as you keep your savings in the bank.

Don’t Have Accidents

Some people don’t need to be told to do this and already are experiencing the benefits of a safe-driver car quote. But if you’ve had accidents in the past you’ll want to think about changing your driving behavior (not speeding, not talking on your cell phone, not tailgating, etc.). This approach is almost mandatory if you’ve taken the approach outlined in #1 and #2 above.

No Tickets!

Yes, Virginia, getting tickets is bad for your car insurance. Another benefit of this kind of good behavior is avoiding the cost of paying tickets, so this one is another no-brainer.

Protect Yourself From Theft With Cheaper Cars

This will have an impact on your auto insurance, obviously, and will save you money in other ways too. You should avoid certain expensive and thief-desirable cars because they will bring you more expensive car insurance. One area not to scrimp on, however, is anti-theft and safety devices, because they can lower your car insurance costs.

Get Rate Discounts

Sometimes your good driving behavior or other factors (such as good grades, safe careers, or low mileage) may not have been taken into account in your automobile insurance. And be sure to include ALL of your vehicles together when getting auto insurance quotes – you’ll get the benefits of multi-car discounts.

Getting online car insurance will allow you to see all of the options that are out there for you to receive a lower car quote. You may have moved to a different state where there are discounts for things like taking a safe-driving course.

A High Credit Score Will Help

Insurance companies look at your credit score when determining auto insurance rates. There’s some tie-in with responsible credit and responsible driving, they say. This will be a lot less direct than some other ways to save money on your car insurance.

No Small Claims.

Although mentioned above it is worth stressing. In the long run you may save a lot of money by filing fewer claims. We’ve all heard horror stories of auto insurance companies dropping people for filing claims.

Many people make the mistake of not filing small claims but also having low deductibles and paying way more than they need to for their auto insurance. If you’re not going to be filing small damage claims then #1 above becomes a no-brainer as a way to get lower car quotes.

Combine Insurances

If you’re not doing this already it’s a big mistake. You may get discounts of 20% or more for combining coverages together. If you have a boat or motorcycle or vacation home, throw those in the pot too. And don’t forget your renter’s insurance may be combined also to give you lower auto insurance quotes.

Get Car Insurance Quotes Online.

That’s the point of this article. Today’s internet allows you to get the best deals with a couple of clicks of your mouse. You don’t have to rely on one agent or one company.

Use a web-based service such as this one to shop around for the lowest car quote (much like web travel companies do for airline tickets). This will save you money.

One possible concern about getting online car insurance is whether you will get the same level of service, and whether you’ll end up with a quality company. The truth is that going online helps car insurance companies save money, and they pass those savings on to you.

This doesn’t mean you’ll get worse service or a low-rate company. The best companies with the lowest rates are all providing auto insurance online. Most of them use other companies as “middle men” to get the data and submit to competing companies for the best deal. You should visit one of them now to see how much money you can save.