Myth: It will cost you more to insure a red car

Matter of fact: The red car will not give you higher insurance premiums compared to greens, blues, or blacks. Surprisingly, about one fourth of car owners on the road.  The insurance company will not even ask for the color of your ride when they compute for the car insurance quote. They will need the make, year, model, engine size, age, and body type of your vehicle.

Myth: Thieves go for new cars

It is the other way around. Thieves actually go for older cars according to statistics. It is a matter of fact that 1990’s cars are the most stolen vehicles in the past two years. The older cars are practically easier to steal. There is also a huge market for old auto parts.

Myth: My car insurance policy will pay for my stolen, vandalized, or damaged by fire or hail car

This can be true if you have a comprehensive coverage. In most countries, you are only required to get a liability coverage which is to cover for the expenses incurred because of damages you cause to others. Remember that you need a comprehensive plus a collision insurance to make sure you re well covered. Of course, always read the small fonts on your contract to make sure.

Myth: Sports cars will cost you higher premiums because you are more prone to speeding tickets

This is not necessarily true.  Statistics show that SUV drivers, station wagon drivers, and some not so sporty car models end up on the top of the list for most traffic citations. On the other hand, sports car owners end up on the well-behaved list of the study. It will be your own driving history that will matter to the insurance company and not really these statistics. If I were you, drive nice and keep that record clean.

It is best to shop around and get the possible win-win deal. You can actually hire an agent to do the shopping for you but this will cost you some money. You can shop for an auto insurance yourself. You just have to remember some things when shopping for the right car insurance

You need an accurate insurance quote from the different car insurance companies so you can compare properly. Don’t forget to have the following information handy so you will be able to get an accurate auto insurance quote:

• Declaration Page of your current auto insurance – You need to compare the information so that you know that you will be getting the same if not a better coverage

• Information about the vehicle – Take note of things like VIN, make and model, yearly miles, distance you drive to work, any after market equipment you have installed on the car, any theft protection or alarm that you have.

• Driver information – Insurance companies will also need an idea who will be driving the vehicle. List down the names of drivers, age, occupation, license number, number of years driving, and genders. You also have to tell the insurance company if any of these drivers were involved in an accident in the recent past, plus information about the accident.

Make sure you get more than one auto insurance quote so you can pick the best. Don’t forget that you should read the fine print of the contract before signing anything.

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Finding discounts for your own policy is a great way to ensure that you are getting the best deal and it could be something as simple as asking a question.  To be honest, many people overlook this particular step, asking questions about what discounts your insurance company offers is a great way to explore your options.

However, if you do not find any discounts, you might want to switch insurance companies to capture that lower premium!

That is what I am here for, to ensure that your policy is the best and that you are certainly doing everything that you can to get the best deal.  Car insurance is a competitive market and whenever you are looking for a good car insurance deal; there are many ways to find it.

Firstly, research.  This is honestly the first step and the most important that people overlook all of the time.  More in the next blog about research!

Now that we have discussed a little bit about the coverage and where exactly you might see the car insurance companies cutting corners, we can now talk about another thing that you may need to watch out for – a shady car insurance company.  Whenever you are looking for car insurance, you always want to make sure that you find a company that is going to be creditable.

To be honest, there are a ton of different car insurance companies out there and you always want to make sure that you are getting with a company that is not going to close down within the next few months and that you can trust.  This is a huge part in the car insurance company, as you want to make sure that the insurance company is trust-worthy.

Finally, you want to make sure that you research any deals that you might be seeing, as that is certainly something that will help you in the long run.

Car insurance is something that everyone needs to have and I know that in this particular blog, we have definitely talked a lot about cheap car insurance, however there are a couple things that you need to think about whenever you are dealing with cheap car insurance.  That is what we are going to talk about in the next few blogs, what you need to be aware of and watch out for.

For one, you want to make sure that you are getting the coverage that you need whenever you are dealing with car insurance.  For example, cheap car insurance is usually cheap for a reason – it can be cheap because they are cutting corners on the coverage or they are cutting corners on something else.

This is why reading the fine print of your coverage is so, so, so important!  You want to make sure that you absolutely get all of the coverage that you need!

Well, that is what we are going to talk about in the next couple blogs – just how you can cancel your car insurance and what the steps to go about it are.  Firstly, you want to make sure that you know exactly what you policy states and if you did sign a contract.

That way, you can know what you may or may not be getting yourself into or out of.  More in the next blog!

Insurance companies are fickle, fickle things – we all know this.  We all know that every little piece of information plays right into how good of a premium you are going to get but here are some of the reasons that it might actually cost you more to insure that SUV that you have been dying to get.

First and foremost, the likelihood of that particular brand of SUV being involved in an accident, stolen or vandalized might come into play.  For example, if it is a very popular SUV model, that might be something that the car insurance considers high risk, therefore the SUV would be more to insure.

The cost of repairs – it usually is a higher rate to repair an SUV and even though you car insurance company does not pay for the repairs, it is still important that the engine actually stays in tact and clean.  Finally, obtaining their information by consulting various claim statistics is something that all insurance companies do.

The great thing about Unitrin Direct Insurance Company is that they actually change up their systems and discounts a whole lot, which is something that I love.  Currently, they are actually take advantage of the technology that we have in order to improve their customer service experience, which is a great idea.

Their customer service satisfaction is at 96% right now and for having six million customers, that is very impressive!

For me, customer service is what it is all about.  If the company has fantastic customer service, I am all over that.  Safeco Insurance Company is actually a company that has a lot of benefits too, for you can pay your bill online, view policy documents; track your claims – all sorts of stuff, right online!

It truly is a one of a kind type of business and I think that Safeco Insurance Company is a great switch for anyone!