Switch Auto Insurance Companies – Cost Savings from Switching Insurers

Shop for Cheaper Car Insurance

Every year, tens of millions of drivers get their insurance renewal papers mailed to them and they simply ignore them and let their policy rollover. That’s money lost!

By taking a moment to consider the high rate they’re paying for the type of coverage they’re receiving, they might decline theie insurance company’s offer. If you knew the savings they might be getting, you’d be switching.

If you want to save thousands on car insurance, you have to start thinking bigger savings numbers than the 15% someone like Geico offers. Very few auto insurance companies talk about savings. Their advertisements are low key because they want to make a brand impression without stirring up their customers thoughts about value and price.



You’re a Smart Consumer – Shopping Gives you Power!

It’s a fact that shopping is power. Your choice of where your money goes, shapes the economy and is helps you share and promote your values. You decide who gets rich.




And right now, you’re here because you demand a lower quote for auto insurance and by searching, you’re going to get your wish. If you’re persistent and keep at finding the insurers who want your business, you’ll be switching car insurance providers. In the past, car insurance companies would give you misery if you tried to change insurers. Even today, you have to be careful of it because even the smallest gap in coverage could cost you. Yes, insurance is a racket and there’s nothing you can do about it other than keep shopping for the cheapest rates and lowest quote.

The 10 Major Auto Insurance Companies

Here’s more than 30 insurance companies below to help whet your appetite for a lower auto insurance quote.

Here’s the major brand insurance companies in the US, beginning with Geico who spend a inordinate amount of money on TV advertising. Many of these companies advertise online and you’ll see them in your searches on Google. Don’t be hypnotized by the brand names and sign on eagerly because you liked their TV mascot. Remember you’re here on this site because you intend to save money on your car insurance. That’s you quest and you should stick to it. It could be mean saving $10,000 or more over 5 years. What could you do with $10k?




Geico Auto Insurance Company – the popular insurer we recognize from their television Gecko mascot is the 2nd largest auto insurer in the United States, after State Farm. Geico is a wholly owned subsidiary of Berkshire Hathaway insurance (Billionaire Warren Buffett).  Geico provides auto insurance coverage on 22 million+ cars, trucks, motorcycles, motorhomes etc for 14 million insurance policy holders.

State Farm Insurance Company – is headquarted in Bloomington Illinois and has a whopping and expensive payroll of 18,000 insurance agents. It’s total net income in 2013 was 5.2 Billion dollars and it has 44 million auto insurance policies in effect.

Berkshire Hathaway Insurance Company – BHI is is owned by Billionaire Warren Buffett, which boasts a yearly income of $24 Billion and they own Geico Insurance.

Allstate Car Insurance Company –  Allstate  is the 2nd largest personal insurance insurer in the US and in Canada, (behind State Farm). It is the largest publicly held insurance company (net income of $2.7 Billion) and it owns esurance.com a top online insurance website. Allstate has its headquarters in Northbrook Illinois and has a yearly net income of $2.7 Billion.

USAA Auto Insurance Company – The United Services Automobile Association is a financial services company that earns more than $24.6 Billion annually. It is located in San Antonio TX and offers a huge range of personal property and casualty (P&C) insurance, life insurance, automobile insurance, homeowner insurance, renters’ insurance, as well as umbrella and personal property insurance.

AAA Auto Insurance Company – The American Automobile Association (AAA ) is a large group of motor clubs throughout the US and Canada (CAA) having more than 55 millions members.  AAA is a non-profit member service organization. AAA is located near Orlando Florida with office located in Los Angeles, Boston, New York, Chicago, Phoenix, Toronto and many more major cities.




Nationwide Car Insurance Company – Nationwide Mutual Insurance Company & Affiliated Companies is a group of large insurance and financial services companies based in Columbus, OH. It’s yearly revenue is $40 billion.

Liberty Mutual Car Insurance Company – Liberty Mutual Group is a huge, global insurance company with its head office located in Boston, Massachusetts. The company’s $29 billion, and 45,000 employee workforce means it is one of the biggest insurance companies in the world. The company provides home, auto, business and property insurance.

Progressive Auto Insurance Company – Progressive Insurance writes insurance policies for automobiles trucks, motorcycles, boats, and recreational vehicles through their independent agency channel and a direct channel known as progressive.com. Progressive Insurance has its headquarters in Ohio. The company reports yearly  earnings of $21 Billion.

Farmers Auto Insurance Company – Farmers Insurance Group is located in Los Angeles CA. It earns $12.6 billion in revenue yearly and provides car insurance and truck insurance coverage for automobiles, homes and small businesses via it’s 50,000 independent insurance agents.




There are plenty more auto insurance companies you will want to research and switch your auto policy to:

  • American Family Auto Insurance (Madison)
  • Mercury Auto Insurance Company (Detroit)
  • Farm Bureau Auto Insurance Company
  • The Hartford Auto Insurance Company (Hartford)
  • The General Car Insurance
  • MetLife Auto Insurance (New York City)
  • Fred Loya Car Insurance
  • Travelers Auto Insurance
  • American Insurance Group (New York City)
  • Amica Auto Insurance Company
  • Freeway Auto Insurance Experts
  • AARP Motor Club
  • Kemper Automobile Insurance (Chicago)
  • Erie Auto Insurance Company
  • Dairyland Auto Motorcycle Insurance
  • Netquote Automobile Insurance
  • Wawanesa Auto Insurnace
  • Safeco Auto Insurance (Seattle)
  • Allied Auto Insurance Company
  • NJM Automobile Insurance
  • Shelter Insurance Company
  • Plymouth Rock Auto Insurance
  • Grange Insurance for Auto
  • Hagerty Auto Insurance Company (Detroit)

 

Car Insurance Infographic – Major Insurers in the US

car-insurance-brand-infographicsmall
Car Insurance Infographic courtesy of Graphs.net

Cheaper Car and Truck insurance Quotes

Search for hours for the best auto insurance rates in Los Angeles, Phoenix, Denver, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa, Miami, Orlando,  Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Fresno, Santa Clara, Sacramento, Mountainview, Palo Alto, Portland, Washington, Atlanta, Irvine, Nashville, Sunnyvale, Salt Lake City, Riverside, Simi Valley, Raleigh, Albuquerque, Glendale,  Kansas City, St Louis, Stockton, Scottsdale, Palm Springs, Indianapolis, Columbus, Colorado Springs, Fort Worth, Chula Vista, Escondido, Santa Monica, Miami Beach, and Honolulu.

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Auto Insurance Companies – Car Insurance Quotes

Compare Auto Insurance Rates

Stats revealed auto insurance premiums rose by 7% last, far above the usual 3 to 4%.  With driverless vehicle technology ready to roll, and auto claims rocketing, drivers are likely to see even higher rates soon.

If your rates rose despite having no claims last year, well, isn’t it time you started shopping for cheaper auto insurance?

Shopping around online is the only way you will reduce your auto insurance costs




Compare Car Insurance Rates

If you’re not comparing auto insurance rates, you’re giving away money. In fact, car insurance shopping is the only way to can substantially lower your premiums and get better converage.  This post will convince you and give you some new options.

You get lower auto insurance by comparing quotes from different vehicle insurance companies. There are a lot of them out there.  There’s big and small insurance companies and independent brokers looking for your business.




Will you save on insurance for electric vehicles?

Rising auto insurance isn’t a local issue. Car insurance rates are rising everywhere but it appears consumers are apathetic about it. If you look at the price charts below you’ll see how much people expend for auto insurance.

Self-driving cars could raise auto insurance rates for you and I, since those autonomous car companies would negotiate their own low rate coverage. They’ll save plenty, but you will have to negotiate your own insurance rate.

 




The insurance companies are awash in cash now however they’re facing tough times as their own pool of revenue is eroded and claim payouts rise. Switching insurance companies might be a wise move. Consider this stat:

The average auto insurance premium in Ontario, Canada is $1,458, which is almost 55% higher than the average of all other Canadian jurisdictions — from a Globe & Mail report.

It’s 2017 and time to take massive action to save money. Have you investigated UBI or usage based auto insurance? Check out the auto insurance rates for your city or state below.

Get the best auto insurance quotes in Toronto, Vancouver, Los Angeles, San Diego, Miami, Phoenix, Denver, Boston, New York and other cities where consumers are fed up.  We’re all paying too much to insure our cars, SUVs and trucks. It’s hard earned dollars ($10,000) that you’re giving away but now that can change.  Has your loyalty to one insurance company done much for you?

Look back at the last 20 years of auto insurance coverage you purchased (e.g., 20 x 12 x $150 = $36,150).  Could you use that money right now?

It’s a Great Time to Switch Auto Insurance Companies

Bentley EV  – Luxury Car Insurance

Yes, switching insurance companies is a wise financial choice.  There are videos, charts, infographics and quote comparisons below that will open your eyes. When it comes to finding the lowest insurance rates, and a better policy, this might be a good starting point.  It’s best to do lots of searching and get a wide variety of quotes from insurers.  Just through persistence alone, you’ll get the best rates.  You could save $10,000 over 6 years or as much as $1800 in one year.

Do you Need Collector or Luxury Car Insurance?

Here’s an auto insurance niche where you can get more price and appropriate quotes for your Porsche, Mercedes Benz, Ferrari, Lamborhghini, Bentley, Rolls Royce, or Maserati.




I’m sure you’ll find the auto insurance quote comparisons below an eye opener.
According to one source, the average price of auto insurance across the US is $1100 to $1200 per year — that leaves lots of room for you to start saving!

Virginia has become the 19th state to ban consumer price gouging – Consumeraffairs.com – fair warning that you are probably getting taken.

Searching for Insurance via Google

Google is certainly fast and you’ll get better rates than from an insurance agency in Los Angeles, Boston, Phoenix, San Francisco, San Diego, Seattle, New York, Indianapolis, Detroit, Philadelphia, or Chicago. Within seconds you can be on an insurance company website and buy an auto insurance policy. I’d advise looking first to the auto insurance comparison sites before you decide on an insurance company and take their coverage.  That’s particularly true if you’re buying luxury auto insurance.




Not all of the big name companies such as Allstate, Progressive, Geico, Nationwide, State Farm, Mercury, StateFarm, and others offer great rates or the coverage you actually need. I know from my own searches that I tend not to be thorough enough. I get restless and frustrated and settle for a higher auto insurance quote than I should. I want to help you optimize your quest for the lowest auto policy.




Sharing Really is Caring
Share this post on Facebook with younger drivers who need some relief from $4000 to $8000 policies.
 

My Car Insurance Quote

I conducted a search directly on the insurer’s websites of Geico, Progressive, Statefarm, Liberty Mutual, Mercury, Allstate, AAA and Farmers. In the chart below, you can see the quote for a 40 year old male living in Santa Ana, California, driving a 2010 Hyudai Santa Fe 4 dr sedan to work 30 miles away daily, and having one non bodily injury accident (hit a car). We need an example to analyze an auto insurance quote, so let’s take a quick look at this one.

Statefarm’s auto quote was about $1300 less per year than Liberty Mutual’s. Over 6 years, that translates to $7800 in savings if I chose Statefarm.  Further below, I sought quotes via insurance hotline and the variation was bigger.  With your own search, you may find one local insurance company who may be willing to insure you at much less.

Is a  40 year old driver with one accident statistically that risky? Obviously Liberty Mutual, Statefarm, and AAA believe there is huge risk. Each company processes the statistics differently, and they’re entitled to. However, are they being reasonable about it. Is the auto quote abnormally high?

Geico Auto Insurance Quote Form Screen Capture courtesy of Geico

Get a Quote in Your City

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Auto Insurance Provider Price per Year
Geico Auto Insurance Company $1772
Progressive Auto Insurance Company $1884
Statefarm Auto Insurance Company $1654
Liberty Mutual Auto Insurance Company $2909
Mercury Auto Insurance Company $1760
Allstate Auto Insurance Company $1655
Nationwide Auto Insurance Company $2071
AAA Auto Insurance Company$ $2673
Farmers Auto Insurance Company $2796

Some of these companies make you fill out endless questions, some of which you have to wonder are even legal. I liked Progressive’s online auto insurance quote process the best.  It was quick and the least painful. They seem to respect your time the most. Their quote was a little higher than Allstate and Statefarm, but I suspect Progressive has a better corporate culture — a signal of how they’ll treat you after becoming their customer.

Auto Insurance Tips from Everquote.com

Auto Insurance Tips on how to Get Cheaper Car and Truck Insurance

Canadian Auto Insurance Buyers are Getting Ripped Off

Car Insurance Quote In Canada

Here’s another example auto insurance quote for a 2014 Hyundai Santa Fe, 4 door, for a 48 year old male with one ticket. See the huge difference in quotes from individual brokerages?  That’s right, in this case there are two Aviva brokerages competing. The lowest quote was  from Travelers insurance. It equates to $1700 savings per year and more than $10,000 over 6 years. That’s a significant amount.

car insurance quote
Car Insurance Quote for 2014 Hyundai Santa Fe

Auto Insurance Rates by US State

Just in case you’re curious, here is Insure.com’s rankings of States for car insurance policies for one year.

Cheapest Cars, Truck and SUVs to Insure

Are you looking for the cheapest auto insurance?  Check out usage based insurance and consider buying an old car. Here’s Yahoo’s list of the cheapest cars and SUV’s to insure:

1. Honda Odyssey LX – annual insurance premium: $1113 per year.

2. Honda CR-V LX – annual insurance premium:  $1,170.

3. Dodge Grand Caravan – annual car insurance premium $1,174.

4. Jeep Wrangler Sport – annual car insurance premium $1,181.

5. Jeep Compass Sport 2WD – annual car insurance premium $1,190

6. Ford Escape S 2WD – annual car insurance premium $1,194.

7. Buick Encore Sport Tour 2WD – annual car insurance premium $1,200.

8. Jeep Cherokee Base 2WD – annual car insurance premium $1,203.

9. Nissan Frontier S King Cab – annual car insurance premium $1,204

Here’s something to think about to motivate you: a savings of almost $1000. How long does it take you to earn $1000 x the next 4 years = $4000. Because, insurance buyers tend to be loyal (or just lazy) and stick with the insurance company that’s sticking it to them. If that’s you, then, spend a whole afternoon or evening searching for a lower auto insurance quote. Save your money.

Sharing is Good for Your Social Health, and good for others bank accounts. Help them save by sharing this post! Who couldn’t use all that money?

A survey by carinsurance.com (they do these studies for PR and for wider exposure in social media and Google) so take it with a grain of salt.  Carinsurance.com stated that in California, the average annual premium across the six top carriers was $1,428 (significantly higher than national average of $1,277). The cheapest car insurance averaged an amazing 33% less, at $960.

The Type of Car you Drive is a Key Factor

You may not realize that the insurance companies offer cheaper insurance for a certain type or brand of vehicle. Jeeps for instance have very cheap rates. Why? Who knows?  They’re not divulging anything that will cause them to lose profit. Obviously, your age, sex, and recent driving record will determine if you can get those best rates. Are new electric cars like the Tesla Model 3, Chevy Volt or Nissan Leaf the way to go?

Find the lowest insurance rates in your city: Los Angeles car insurance, Boston auto insurance, Phoenix car insurance, San Francisco car insurance, San Diego car insurance, Seattle car insurance, New York car insurance, Indianapolis car insurance, Detroit car insurance, Philadelphia auto insurance, Toronto car insurance, or Chicago car insurance.




Inforgraphic courtesy of Enhance Insurance – Automobile Insurance facts in all 50 states

Auto Insurance Resources

Car Insurance requirements in California:

Car Insurance requirements in New York:

Auto Insurance Coverage Requirements in Texas

Auto Insurance Coverage requirements in Florida

Auto Truck Insurance requirements in Illinois

Car Insurance minimum coverage requirements in Ohio

Car Insurance coverage requirements in Massachusetts

Lowest Auto Insurance Coverage in a City Near You

More on the best insurance in your city: Auto Insurance Quote Los Angeles | Car Insurance Quote Boston | Car Insurance NYC | Portland Auto Insurance |  San Jose Car Insurance EVBest Auto Insurance Quote Detroit | Car Insurance AtlantaAuto Insurance Indianapolis |  Auto Insurance Quote Seattle | Toronto Auto Insurance Quote |  Auto Insurance Quote PhiladelphiaOrlando Auto Insurance Quote |  Auto Insurance Vancouver | Auto Insurance Toronto |  Best Auto Insurance Quotes Jacksonville | Auto Insurance Tampa |  Best Car Insurance Washington DC | Cheapest Car Insurance Cleveland |  Auto Insurance St Petes FL | Best Car Truck Insurance Salt Lake City |  Auto Insurance Quote Pittsburgh | Las Vegas Car Insurance Quotes |  Car Insurance Dallas TX | Discount Car Insurance | Usage-Based Telematics Quote | How to Save on Auto Insurance | Car Truck Insurance Comparison | Insurance Companies

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Auto Insurance News – Car and Truck Insurance Coverage Comparison Savings

Auto Insurance Quotes

Auto Insurance News Report

Welcome to the latest edition of the Auto Insurance News Report. Aside from finding the insurance company offering the lowest auto insurance quote, we’ve got insight into auto insurance trends in the US and Canada.

Please bookmark the page in your browser and return often.

ICBC Desperate for Cash to Stave off Bankruptcy, new ideas include caps on claim payouts, street cameras, and almost impossible requirements to gain a driver’s policy discount. New NDP government has its ands full with throttling Alberta oil and is clamouring to deal with ICBC $1.3 Billion deficit for 2018.

The government’s ICBC executives are trying to resolve their business crisis with ineffectural fixes.  They believe raising car insurance premiums, capping accident claims, considering driving experience in driver ratings, raising premiums for drivers with minors and serious convictions, giving discounts for low-risk drivers and by revamping ICBCs antiquated driver rating system, they can avoid privatizing the auto insurance industry.

BC drivers and tax payers might still be wondering how this will resolve a $1.35 billion dollar problem each and every year ahead.

Vancouver’s experimentation with government run auto insurance is revealing what it should have known before. ICBC has run into severe financial difficulties and is now looking at any revenue sources to keep it alive.

Vancouver BC Canada to Have the Most Expensive Car Insurance

The Canadian Taxpayers Federation is charging that the ICBC is using its monoply to drive Vancouver auto insurance rates higher. That would give Vancouver auto rates the distinction of being the highest in Canada, above the car insurance rates Toronto drivers pay.

The ICBC is a provincial government department which controls all auto insurance in BC. It was asking for a 6.4% increase in premiums. The CTF says this will push average car insurance rates in Vancouver to a whopping $1680.

That would underscore the importance of shopping for a better auto insurance quote and comparing value.

ICBC’s own poll of BC drivers suggested they want more competition in the auto insurance marketplace. 89% of respondents believe shopping around for insurance would save significantly on their auto insurance costs. Last year, ICBC stopped providing insurance coverage for luxury cars.




Auto Insurance in Toronto Continues to Rise

A recent report called Fair Benefits Fairly Delivered: A Review of the Auto Insurance System in Ontario, revealed that Ontario drivers paid an average annual insurance premium in 2015 of $1,458 per vehicle, nearly 57%higher than the national average of $930.  A report in the Toronto Star suggest that high premiums are going to experts and lawyers and not to those injured in auto accidents.  That was not the intent of the no fault insurance program, but it looks like the rich are benefiting from it, rather than ordinary Ontario drivers.

High Tech Cars Being Blamed for High Auto Insurance

A new report from suggests that new advanced technology used in today’s cars is actually driving up insurance rates. In fact they’re blaming the 8% increase in auto insurance rates on the new tech in vehicles, increase in cars on the road, and higher medical bills.

Consumers not using Latest Technology to File Claims

Although many insurance copnaies have sunk a lot of money into apps and online connectivity, car owners are not ready to use them it seems. JD Power and Associates just reported that only 9% of claimants will file online. Overall satisfaction with their digital first notice of loss (FNOL) online service dropped 16%.

It seems insured parties prefer a quick phone call to report an accident.  JD Power found that claims service was the most important benefit.  Customer satisfaction with digital appraisal apps improved by 26 points among Gen Y consumers, but declined by 16 points among Pre-Boomers.

Will Tesla Electric Vehicles Cost More to Insure?

If you’re one of the 300,000 people who put down $70,000 each for a Tesla Model 3 this year, you may want to plan ahead to pay your auto insurance too.  If the price of the car plus finding a recharging station aren’t concerning you, the cost of your insurance may.

A report in the Huffington Post suggest insurance rates for electric cars is about 6 to 8% more expensive than a comparable gas powered car. This is despite the good crash testing ratings of the Tesla models. If you’re looking to know more about car insurance for Tesla vehicles, visit ratelab’s excellent coverage.

From the Denver Post:

Tesla’s U.S. sales of its Model S sedan jumped 59% over the same quarter last year, increasing its already sizable lead among large luxury cars, according to internal third-quarter sales numbers — which Tesla usually keeps confidential — and competitor data compiled by the company. Tesla says it’s now responsible for almost a third of all sales in the segment. Its nearest competitors are the newly updated BMW 7-Series and the Mercedes-Benz S-Class.




UK Drivers Paying More for Electric Vehicle Insurance

A new report from the Actuary says UK drivers are paying 45% more for ecar insurance.  Despite government mandated controls of gas powered vehilce and a push to clean air, it looks like the cost of repairing electric vehicles may be weighing on cheaper auto rates.

Growth of Electric Vehicle Sales Faster Than Anyone Expected

According to EV Volumes, sales of electric vehicles are rising quickly. They found that total plug-in vehicle sales in June increased a 46 % over last June.  The growth is reported to be 10 times that of traditional gas powered vehicles. The EV growth seems to be attributable to a preference for them in China and the fact new batteries are cheaper and more powerful. The trend continues.

Around 312,000 plug-in electric cars were sold during the first half of 2016

Graphic courtesy of EV Sales.com

Tesla Motors is preparing to revolutionize the automobile and fuel industries. Learn more about Tesla.

Higher Insurance Rates in Some Toronto Neighbourhoods

Canadian insurance website Kanetix, recently published a report that shows that drivers in certain Toronto neighbourhoods are paying more for insurance. The graphic below shows the neighbourhoods Kanetix determined to have higher auto insurance rates. The report suggests that the presence of hazardous intersections may be the source of risk that results in the higher premiums. They also reported that insurance rates in Toronto may be 30% or $449 higher than the provincial average.  The difference in premiums from the least expensive to the most expensive was $945 per year.

For certain types of drivers and certain types of vehicles, we’d have to think the differences could be much wider. The risk factors would magnify each other and results in a higher insurance quote for certain types of drivers in some neighbourhoods, yet generate very low insurance quotes for others.

Kanetix
Graphic courtesy of Kanetix.ca – Insurance Website

A report in the Toronto Star, citing the Kanetix study says claims are more frequent in these areas of Toronto and the payouts are higher.  They cited poorer neighbourhoods as having the biggest increases.  In one case, a driver said his premiums rose by $1000 when he moved from Ajax to Toronto to eliminate his commute. In the report, Pete Karageorgos, director of consumer and industry relations of Ontario with the Insurance Bureau of Canada says that shopping for insurance is the key to keeping rates under control.

The takeaway from this recent news is that insurance companies may be making major alterations to how they underwrite insurance in order to grow their profit margin. Good too stay aware or get caught in their trap!

Searching for the lowest auto insurance in Torontotruck insurance in Denver, car insurance in Seattle, motorcycle insurance in Las Vegas, car insurance in San Jose Ca or cheap car insurance in Chicago is easy.  Search on Google continuously and get at least 10 quotes.

California Drivers are the Worst

If you’re a driver in California, you might be feeling badly about this ABC news report that you’re the worst car and truck drivers in the country!  They quoted a study by QuoteWizard which looked at traffic citations, incidents of people driving under the influence, along with the number of car crashes into consideration. It seems California has more of all that and are probably paying for it when they buy a new auto insurance policy.

“California is number seven for accidents, number nine for speeding, and number five for citations. Even worse, its number two for DUIs,” the study reads.

Rising Speeds Have Results in 33,000 Additional Fatalities

This fascinating new report on CBSnews.com shows how accidents, fatalities and general road safety vary right across the US. We all know certain highways areas are fraught with risk, but the report shows how tolerance for bad behavior could be behind the rates of driving mayhem in certain states and cities. While Montana and Arkansas had most fatalities, with Georgia the fastest growing, New York and California actually had the fewest fatalities per 100,000 population.




Toyota and Honda top Safest Cars List for 2017

38 models were awarded the Insurance Institute for Highway Safety’s designation of Top Safety Pick. Toyota and Honda lead the list of manufacturers safest vehicles. The reported that one major design flaw in vehicles was headlights.  These are the to 6 cars/SUVs that IIHS believed are the best of the bunch in 2017:

  1. Acura MDX
  2. Acura RDX
  3. Audi A4
  4. Audi Q5
  5. Buick Envision
  6. Chevrolet Volt

Only 82 vehicles qualified for the 2017 honors list. Your can read more at the IIHS Website.





Check out insurance for cars and trucks in these other cities:

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Find your best insurance quote online – cheap car insurance for smatter consumers

Home Insurance Quote Online – Quotes for House and Condo Insurance – Rates Coverage Florida Texas California Louisiana

Best Quotes for Home Insurance

It’s still common to hear of house and condo fires where the home owner was not properly insured. Less common yet on the increase is claim denied.

Yes, besides getting a lowest quote for your home insurance, you should ensure you have the appropriate insurance coverage. With that assured, you can be confident you have all the many benefits of home insurance.

Homeowners coverage provides protection from financial loss due to accidents, theft and damage. Most home insurance policies also cover detached structures such as a garage, tool shed or gazebo and personal possessions.

It’s a vital type of financial assurance whether you own your home or not. All home insurance companies and coverage aren’t the same. You must shop for the coverage you need just as you do with car insurance.



Getting the Best Home Insurance Quote

Your home is your sanctuary. Yet, there are so many threats that could be difficult to recover from. A good quote is like money in the bank. Found the best car insurance or the luxury auto insurance you need? You can combine your home insurance with auto insurance for greater savings. If you’re buying home insurance, you might as well combine your insurance for up to 15% savings.  See the usage based auto coverage as well.



What Home Threats do you need coverage for?

  • fire and smoke damage
  • lightning and gas explosions
  • property damage from hail and windstorms and tornados
  • roof damage from snow, ice and sleet
  • water damage inside your home
  • lawsuits and legal defense

Optional Coverage on Home Insurance Policies

  • home claim forgiveness
  • earthquakes
  • identity theft

Home Insurance Checklist

The insurer and insurance agent will look at some standard factors about your home to determine liability.

  1. Number of stories in the house
  2. Style of the home whether bungalow, split level, condo, condition of building
  3. Number of occupants
  4. Type of House Foundation (basement, concrete slab, etc)
  5. Age of the home
  6. Total square footage (finished living area)
  7. Finished basement square footage
  8. exterior wall and siding (vinyl or wood, brick, stucco etc)
  9. Type and condition of roofing (asphalt shingle, cedar, tile etc)
  10. Number of bathrooms and bathrooms
  11. Floor coverings (carpet, laminate, linoleum, tile etc)
  12. Attached garage or carport
  13. how far the fire hydrant is located from your home
  14. how far the fire hall is located from your home
  15. condition of the home’s electrical wiring
  16. condition of the home’s plumbing
  17. type of heating used in the home (gas, electric, wood stove)

Will Your Home Insurance Cover You?

If your home was hit by a severe windstorm or tornado and was flooded, would the damage be covered? If your home’s foundation was cracked by tremors from geologic fracking activities, would it be covered? Are you covered for a hurricane for certain? If your guest was staying with you for 4 weeks, and were left alone in your unit, and they started a damaging fire in the kitchen, would you be covered? If you were growing marijuana in the home, are you covered from damage from the operations?

When you’re considernig buying home insurance, it’s also important today to understand the details of your policy. Read carefully, because insurers are denying more claims. From unreported information, to fraudulent claims by property management companies, to illegally using the home for a business, insurance companies are getting strict about fraud.

Identity theft insurance is a handy benefit too. Victims of identity theft can suffer severe damage to their credit rating and might not be able to repair it easily. If you feel it’s possible to ruin your credit rating and create damage to your reputation, such protection can be wise.

Coverage from being sued is important. Call it financial disaster insurance.



Average Cost of Home Insurance

The average cost for home insurance varies from about $800 to $960 per year according to one source. In the US, the average is $1000 with some states such as Florida and Texas having premiums are $2000 per annum.

Oregon, Idaho, and Delaware have the lowest home insurance.




Check insurance providers out and get plenty of home insurance quotes. It’s the only way you have to save your money and get the right coverage. Avoid banks and look instead to insurance brokers to get access to the best rates possible.

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High Value Luxury Car Insurance | BMW Porsche Ferrari Audi Mercedes Benz Los Angeles Miami New York Vancouver Toronto Phoenix Houston

Luxury Car Insurance – EV, Hybrid or Gas

Across the country, you’ve likely seen more high end luxury cars on the roadway. Manufacturers are building more high priced gas powered/hybrid perforance cars and the race is on for electric powered vehicles.

You’ll be surprised at the performance and features of the new releases this year. Check out the videos below.

With luxury car buyers anticipating upcoming releases of expensive luxury cars including the Porsche Mission e EV, we might also want to review auto insurance for them. Will repairs be more costly? Are they heavier and more stable in snow/ice conditions?



The demand for luxury vehicle insurance (called luxury car insurance) has grown substantially. Porsche, Lamborghini, Ferari, BMW, Audi, Mercedes Benz, Bently, Rolls Royce, and other brands are producing some very interesting new electric luxury cars. That means owners may need review their auto insurance coverage.

Special Insurance for a Special Group of Drivers

Graphic courtesy of carmagazine.co.uk

Not all insurance companies are interested in providing policies for high end, luxury classic collector, or high value automobiles.  Expensive cars however do represent a unique seet of liabilties and unique auto insurance coverage.



Your Porsche, Mercedes Benz, BMW, Maserati, Bentley, Lamborghini, Ferari, Rolls Royce, or Jaguar is not just another vehicle. Insurance specialty coverage gives you the peace of mind that your luxury vehicle is fully covered and that your policy will meet your needs and claims if you’ve involved in an accident. You’ll need to search for that and I have a short list of top luxury auto insurance brokers below.




Electric Luxury Cars are All the Rage

It seems like a new electric luxury model is being released every month. Attention is moving away from Tesla to new group of electric car manufacturers.  Below is Jaguar’s new concept car called the I Pace SUV.

Photo courtesy of Jaguar Canada.

And how about this beauty Luxury EV from Lucid Motors? 240 mile range with 400 HP!

Luxury EV Lucid Motors

Fisker Electric Vehicle – 400 mile range and 161 mph.

Tesla Model S P90D – a 270 mile range for $118,000.

The Tesla Roadster – 600 mile range and founders series pricing at $250,000.

Specializing in High Value Automobiles

Listed below are some of the best high value, luxury car insurance carriers specializing in in luxury cars and high priced vintage and classic cars. These companies understand expensive automobiles and their owners and provide policies more suitable to their needs.

If you’ve read this post on which cars are most expensive to insure, you know that a cars price tag doesn’t always mean more pricey insurance rates. And when you shop around specifically for  car insurance for luxury automobiles, you’ll eventually find those insurers who offer better rates. Even for luxury vehicles, it’s shop and save!




In some states, provinces and jurisdictions there is a trend to limiting auto insurance coverage. In Vancouver BC for instance, the BC government has dropped coverage for luxury cars. They stated that regular car insurance buyers were subsidizing the more costly car’s protection.

It’s left a lot of wealthy Vancouver drivers looking for coverage for their high value automobile, and they’re switching to Alberta for their policies.

The fact is, that many luxury cars don’t get driven much. They are low use, special ocassion vehicles and when usage based telematics devices are used, the luxury car driver can prove the car is being driven safely and infrequently. It’s factors like these that should help avoid the disappearance of luxury car insurance.

The key factors in which luxury car insurance provider to choose comes down to:

  • higher limits of collision coverage
  • the ability to complete repairs using genuine manufacturer’s components
  • access to preferred repair shops
  • avoiding usual ‘comparable’ vehicle replacement policies




Check out the Navigation system on the New Bentley GT

Do You Think the Mercedes GT Roadster is Looking more like a Porsche?

Here’s Forbes look at the best luxury cars arrving in 2018.

How much is auto insurance for the top mid-range priced luxury cars?




Luxury Car Insurance Insurers

Hagerty Insurance Agency, LLC
P.O. Box 1303
Traverse City, MI
49685-1303
www.hagertyagent.com

New Insurance
2855 S 4th Ave Ste 127
Yuma Az 85364
Phone : 928-792-1312
Phone : 949-791-1312
www.newsinsurance.com

Britton Gallagher
One Cleveland Center, 30th Floor
1375 East 9th St.
Cleveland, OH 44114
Local Phone: (216) 658-7100
www.brittongallagher.com

Insurance Suffolk
14 Roosevelt Avenue
Port Jefferson Station, Long Island, NY 11776
www.insurancesuffolk.com

Dempsey & Siders Agency, Inc.
6725 Miami Avenue, Suite 102
Cincinnati, Ohio
45243-3158
www.dempsey-siders.com

Swingle, Collins & Associates
13760 Noel Road, Suite 600
Dallas , TX 75240
(972) 715-8700
www.swinglecollins.com

 

Cheap insurance is often not a priority among luxury car owners who need customized coverage for their Porsche, Mercedes Benz, BMW, Maserati, Bentley, Lamborghini, Ferari, Rolls Royce, or Jaguar. The key is to ensure the value of the car is protected. High end luxury cars are a big investment even for wealthy owners.



Inquiry about luxury car insurance in Los Angeles, Phoenix, Vancouver, Seattle, New York, Miami, Dallas, Houston, San Diego, Toronto, San Francisco Bay Area, and Chicago.

Find the lowest insurance rates in your city: LA auto insurance, Boston auto insurance, Phoenix car insurance, San Francisco car insurance, San Diego boat insurance, Seattle truck insurance, New York car insurance, Indianapolis SUV insurance, Detroit SUV insurance, Indianapolis Car Insurance Quote onlineToronto car insurance quote, or Chicago car insurance.

 

Best Auto Insurance Quote Los Angeles – Compare Lowest Rates in LA

The Lowest Car Insurance Quotes in Los Angeles

Savings of $10,000 for Some Drivers

According to recent auto insurance quote surveys, California and Los Angeles are one of the highest cost zones for car insurance coverage.  And that’s not just luxury car insurance.

The nature of LA itself where population density, road congestion, and time pressures make for higher than average risk of accidents and claims. But when driver’s automatically and blindly succumb to the belief that everyone has to pay higher auto insurance, they’re going to lose their money.




Whatever area of Los Angeles you live in, having some perseverance in your auto insurance search will pay off. It’s not that insurance company quotes are high and intentionally designed cheat you, it’s that you, your family, and friends don’t try to get the best rates.

And if your family and friends aren’t searching, send them to this post on saving on car insurance.  That’s what this post is about, saving mone on auto insurance in Los Angeles County. By searching, you’re making it less likely you’ll get cheated on car insurance quotes.




caranddriverhonda
Photo Courtesy of Caranddrivercom – New Car Reviews

If you do a search for car insurance rates on a comparison site or an Los Angeles broker’s website, you’ll see how the yearly auto policy rates can vary more than $2000!  How long does it take you to earn $2000?

Quest for the Lowest Auto Rate

Google search should always be the starting point of any product or service search.  For auto insurance, homes for sale, finding a realtor, finding a mortgage agent, car loan, or home reno contractors in Los Angeles, Google should be bookmarked.

Through Google and the advertisements on this post, you’ll find a number of insurance companies and brokers. The more you check out, the bigger your savings. Don’t give all your money to the big insurance companies. Vary how you search so you don’t get railroaded by online marketing strategists either.

Believe me, I know how they trick you into obsessing about an unimportant issue or your zip code or something else that distracts you from searching for what you want — low auto insurance rates in Los Angeles.

From most insurance providers in Los Angeles, car insurance is a commodity so why should you pay more than you have to?  Learn more about saving on car insurance here.

Find the lowest insurance rates in your city: LA auto insurance, Boston auto insurance, Phoenix car insurance, San Francisco car insurance, San Diego boat insurance, Seattle truck insurance, New York car insurance, Indianapolis SUV insurance, Detroit SUV insurance, Indianapolis Car Insurance Quote onlineToronto car insurance quote, or Chicago car insurance.

Searching for Car Insurance Quotes

Insurance rate quotes vary by zip code, age, gender, type of vehicle, and driving records of course.  Read my previous post about how vehicle choice affects auto insurance rates.

My Car Insurance Quote

This car insurance quote comparison chart below is a perfect example of the range of premiums and yearly costs.  There’s a big difference.

car insurance quote
Rate Comparison Chart courtesy of Insurance Hotline

Why does it pay to Shop Around for Insurance Coverage?

The status quo hurts. Your current auto insurance company in LA isn’t going to lower your rates or keep you up do date on savings. They make more money by keeping quiet.  As you can see in the above graphic, insurance company rate quotes vary significantly and they’re not going to tell you why. That’s their right. All you can do is shop around for lower car insurance rates in LA specifically, and avoid these nasty realities:

  1. your current insurance provider keeps raising your rates and you’ve done nothing wrong
  2. some auto insurance companies actually use FICO insurance credit scores to raise your premiums even though your credit score has nothing to do with your driving record or risk
  3. uninsured or young drivers living in your home – they feel their presence and possibility of driving your car or truck is a big liability
  4. your type of vehicle may be deemed more risk to them (ISO’s Vehicle Series Rating) because it’s more expensive to repair in your area
  5. your zip code is considered more high risk by many insurers even though you live on the edge of the zip code
  6. they assess the risk of your specific moving violations and total violations differently
  7. some insurance underwriters believe that you’re male so you’re guilty before you put the key in the ignition
  8. your insurance company may not lower your rates even though you’re now 10 to 15 years older and deserve a better rate because of your lower risk and better driving record
  9. you may have forgotten to tell them that your situation has changed, your commute has shortened, and children have left home.

The fastest way to eliminate these car insurance problems is to search for alternate providers because your current provider has no incentive to cut your auto insurance premiums. Chances are high that you’ll just stick with them.




Los Angeles Auto Insurance Agents

Northstate Auto Insurance Services Inc
455 W Florence Ave,
Los Angeles, CA 90003, USA
323-751-9800

Fiesta Auto Insurance Agency
Address: 611 E Imperial Hwy #102,
Los Angeles, CA 90059, United States
323-776-1096

Cost-U-Less Insurance Center
4301 South Figueroa Street,
Los Angeles, CA 90037, United States
323-345-6347

Shop around for the cheapest car insurance rates online.  Rates vary in Los Angeles, Phoenix, Denver, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa, Miami, Orlando, Toronto, Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Fresno, Santa Clara, Sacramento, Mountainview, Palo Alto, Sunnyvale, Salt Lake City, Riverside, Rancho Cucamonga, Costa Mesa, Thousand Oaks, Simi Valley, Raleigh, Albuquerque, Glendale, Oceanside, Long Beach, Huntington Beach, Carlsbad, Santa Clarita, Temecula, Kirkland, Redmond, Kansas City, St Louis, Stockton, Scottsdale, Palm Springs, Indianapolis, Chula Vista, Escondido, or Santa Monica.




Car Insurance in Los Angeles County California

Serving the communities of Anaheim, Beverly Hills, Malibu, San Bernardino, Riverside, Long Beach, Santa Ana, Lakewood, Glendale, Simi Valley, Torra, Chino, El Monte, Huntington Beach, Fullerton, Pasadena, Torrance, Irvince, Thousand Oaks, Pomon, Ontario, Downey, Yorba Linda, Lakewood, and Downtown LA.

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Usage Based Auto Insurance – Should You Use Telematics?

Drivers Save Thousands with Usage-based Auto Insurance

There’s no stopping the relentless rise of auto insurance costs. And for some drivers it is very costly. Consider younger drivers who might pay from $2500 to $5500 for annual coverage, or those with multiple speeding tickets and moving infractions.

They have trouble finding car insurance let alone cheap coverage from an insurance company and typically, their rates rise up 100% to 300% more than we pay. They move downtown without a vehicle or live “insurance” poor lifestyles as a result of their circumstance.

Photo Courtesy of Linkedin

You may be in this situation or know some young drivers who can’t drive because of the cost of car insurance. There’s something you need to tell them about. It’s called usage based auto insurance.  UBI lets drivers pay coverage on the driving they actually do and how they do it using a telmatics device.

If you want a lower rate, consider a UBI based insurance policy.





With the telematics devices installed, drivers typically are more conscious of how they accelerate and brake and the types of speeds they travel. UBI turns out to be beneficial for everyone  – it lowers insurance costs. We know drivers drive much too fast, change lanes dangerously, and slam brakes on, and this is precisely where accidents happen.

It doesn’t matter whether you’re driving a classic luxury car, truck, motorcycle, or new electric car, insurance rates will rise. The only recourse you have is usage-based insurance and shopping around for a better quote. When self-driving cars hit the road, auto insurance rates for human drivers will explode.  Get the jump on this and explore usage based auto coverage.




Auto Insurance Los Angeles | Truck Insurance Denver | Car Insurance San Diego | Car Insurance New York | Vehicle Insurance Quote Boston | Auto Insurance Bay Area | Auto Insurance Miami | Car Insurance Toronto

The Usage based telematics devices help to discourage dangerous driving habits. For young drivers, it’s a godsend because it may prevent them from developing bad driving habits, and helps avoid that first accident.

It’s true, car drivers from Los Angeles to Toronto to Miami to New York are eyeing a new trend in automobile insurance coverage. It’s called usage-based auto insurance.




The global insurance telematics market size is forecasted to grow from US$857 million in 2015 to US$2.2 billion in 2020. That is a $1.3 Billion growth in 5 years. This is a major trend in the auto insurance industry, comparing equally to the enormous trend buying insurance online.

UBI telematics is all about monitoring driving, collecting data, and tying car insurance premiums according to how, where, and how much the driver drives.  It’s being adopted at a faster rate in Europe, however adoption the US and Canada has been a little more subdued. How much can you save with UBI? Some reports have it at about 12%. If your insurer doesn’t offer usage based insurance, consider switching insurance providers. And if you drive a luxury model car, telematics is perfect for certifying your safe driving and limited mileage.




What are Usage-based Car Insurance Policies?

cmtelematics
Photo Courtesy of CMTelematics

The term usage-based auto insurance describes the use of GPS or cellular activated electronic tracking device to monitor the insured driver’s speed, braking and acceleration habits, along with distance and time driven. The policy is normally one where you may be offered good rates in future (a discount) if your driving habits meet the company’s safe driving guidelines. The device may be one affixed to your automobile or could use a plug-in device on your own smartphone. The trend is to use your smartphone’s own software and hardware sensors.

CMtelematics of Cambridge Massachusetts is a leader in telematics technology and they’re leading the charge into smartphone telematics devices. Their claim: “Personalized scores, continuous feedback, and incentives result in better driving behavior. Customers report 34% fewer crashes and 20% less-severe claims.” Their DriveWell technology uses machine learning and statistics to accurately infer key metrics about vehicle mileage, road types, speed, acceleration patterns, phone distraction, and collisions).

What Telematics or UBI devices measure:

  • Braking habits
  • Acceleration and cornering behavior
  • the distance the car travels
  • the time of day the vehicle is driven
  • where the vehicle is driven

UBI insurers are a little vague about how it actually judges driving behavior and by not divulging this, drivers aren’t sure if the UBI system is accurate.  Is UBI simply a strategy to glean more profits from consumers? If drivers are refusing to adopt UBI telematics, it probably indicates distrust.

Some drivers themselves consider UBI telematics a key to encouraging better driving behavior.  And some data now is suggesting that drivers actually do drive more carefully after installing the devices. Researchers aren’t quite certain whether this improving driving behavior is due to a desire to lower their rates, or because it’s a cue to behave more responsibly. Whichever way is true, the use of these tracking devices is a big turning point for the industry  The “Big Data” people are really onboard with this since all of this driving data could be collected and used for commercial, profit-generating purposes. You’d think the insurance firms would be willing to lower your rates even further to gain better access to the data, and to lower accident claims.

UBI Infographics – Driver Attitudes

Surveys are showing a gradual interest in UBI policies if they get a discount. It’s not a reach to say aggressive drivers have no interest in having their driving behavior assessed and a price attached. The aggressive driving factor is the issue that covers gender, age, and even usage matters.

UBI-survey

lexisnexisubi

Who Will Pay for the Insurance Industry?

Like Alcohol and tobacco pay a lot of government bills, bad drivers may actually be where the profit margins are for big insurers. The one lost fact here is that in our society, bad behavior is taxed and punished financially and it’s a big boom to profits when insurance companies such as Progressive, Geico, Allstate, Mercury, Liberty Mutual, etc. have an excuse to raise rates. Bad drivers are actually a profitable group and it’s acceptable to charge them to the hilt (even male drivers who have never had an accident).

With self-driving electric cars on the horizon, the insurance industry is preparing for a substantial drop in revenue. Whether UBI is the way they want to go is questionable. The final thought is that UBI can help drivers save a little on their insurance. As I pointed in my car insurance quote comparison, bigger savings are accrued from shopping online.

Automobile drivers have direct access to hundreds of insurance companies. Are you reaching out to hear them?

Check out insurance for cars and trucks in your city:

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One way to get the lowest car insurance rates is to use a telematics device. If your driving behavior is erratic and aggressive, the insurer may not offer you lower rates so bad drivers may not benefit at all.  However, for responsible drivers, Usage Based Insurance coverage is an option that could reduce your rates even further. If you’re older and not seeing lower rates, the UBI option proves your better driving habits and perhaps that you’re not on the road as much as a younger driver.  With data at hand, it will be tough for the insurance companies to actively discriminate against certain groups of consumers.

TW_Telematic-Infographic-Web600px-NA-2013-33019-v4.indd

 

Auto Insurance Quotes Toronto

Lowest Auto Insurance in Toronto

Searching online is best way to lower your Auto insurance rates. Toronto drivers will get a better car insurance quote from any insurance company by searching for it via Google.  Rates are high and that’s why you should search now for a better policy for your car or truck. Hopefully, this is the beginning of string of years where you save up to $1700 per year on your auto insurance premiums.

Not so Dumb!
Don’t be Dumb, Get the Best Auto Rates!

Don’t bother shopping locally in Mississauga, Toronto, Scarborough, York Region, Oakville, or Durham region.  I’m all for supporting local business, but they have to be competitive. It isn’t your job to line their wallets. Insist on competitive quotes from as many car insurance companies as you can.  Insurance brokerages in Toronto offer products from a big variety of auto insurers.  And you get quotes so quickly and easy now that you’re more certain the benefits and lowest rates for your truck, luxury car, or motorcycle this way.



Your Best Car Insurance Quote is Online

While you’re here, find out more about low mortgage rates, money making solar roofs, or contacting a better real estate agent in Toronto for a free home market evaluation. How does the Toronto housing market forecast look in 2017? Find better insurance rate quotes in Los Angeles, Phoenix, Boston, San Francisco, San Diego, Miami, Chicago, and Denver.

Quick, Easy to Fill out ecommerce Forms are all nice and dandy, but what you need right now is to search widely for the lowest insurance quotes and — Save Your Cash!




$10,000 Looks Good in Toronto Too!

Ten thousand dollars
Save on Your Car Insurance

No fault insurance in Ontario doesn’t mean you can give up on getting a lower insurance premium. It’s absolutely necessary to shop for a better rate. The only power consumers have to dictate prices on auto insurance is to shop and get lots of quotes.

Unwise to be complacent. If you’ve been loyal to the same  auto insurance company in Toronto, Mississauga, Scarborough, or York Region, or one of the national insurance brands for years, there’s nothing wrong with that unless they’re taking advantage of you.  Would any insurance company in Toronto take advantage of you and not keep giving you the lowest rate?

Tips to Save on Car Insurance

I’ve outlined how you can save on auto insurance premiums and here on this page, Toronto drivers can find auto insurance companies, insurance brokerages, and insurance agencies offering better rates to new customers. So come on, think positive and give these companies a chance to show what kind of super low rate auto insurance policy they can write on your vehicle.

What to Look for When Getting Auto Insurance Quotes

tipstosavemoneyIt’s tough to know when you’re getting a better quote on your Toronto auto policy when you’re not sure what it covers. There’s things you can save on and things you can improve on. Ask about accident forgiveness, rental vehicle coverage, rental replacement coverage, combining your home/contents insurance, usage-based coverage, higher deductible for collision damage, and discounts for using snow tires.




One tip that’s always bandied online is to cancel your collision coverage? Given how expensive vehicle repairs are, and the credit rating you’ll need to buy a y anew car, it might be wiser to hang onto your old beater. By all means get quotes either way and see what the difference is.

Get the best Los Angeles auto insurance rates, Phoenix auto insurance, Boston auto insurance, Chicago auto insurance, New York auto insurance,  Miami, Houston or Denver car insurance quotes.  With all the trucks, cars, and motorcycles on the roads, rates will only rise, and wait till Google’s driverless cars hit the roads in Toronto!

Learn more about liability coverage, so important in auto insurance in this infographic:

Check out insurance liability coverage on your policy. Infographic courtesy of
Check out insurance liability coverage on your auto policy. Infographic courtesy of Liabilityinsurance.org

Toronto Auto Insurance Agents

The Co-operators – Delvand Insurance Agency Ltd
3164 Yonge Street,
Toronto, ON M4N 2K6
(416) 544-8100

The Co-operators Insurance Agency
Elaine Friedman, Agent
1610 Bloor St W,
Toronto, ON M6P 1A7
(416) 604-4455

KRG Insurance Agency
2450 Victoria Park Ave #700,
North York, ON M2J 4A2
(416) 636-4544

Auto Insurance

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Look for better car insurance quotes in Los Angeles, Phoenix, Denver, San Francisco, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa, Miami, Orlando, Toronto, Vancouver, Montreal, Ottawa, Calgary, Kelowna, Mississauga, Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Sacramento, Mountainview, Palo Alto,  Columbus, Colorado Springs, Fort Worth, Chula Vista, Escondido, and Honolulu.

Auto Insurance Quote Vancouver Surrey Burnaby Richmond Coquitlam Langley BC

Best Auto Insurance Rates for Vancouver Drivers

BC auto insurance laws don’t make it easy to keep your insurance rates rock bottom. In fact, the latest report about ICBC admits your rates could climb 42% in the next 5 years. And if you’re driving a Porsche or Lamborghini, you can’t get auto insurance through public insurance any longer. Too costly for the government who are strapped for cash.

“ICBC needs to save to avoid the worst-case scenario that it reluctantly released Wednesday, showing basic rate hikes climbing by as high as 42 per cent, compounded, over the next five years” from a new report in the Vancouver Sun.

Living in greater Vancouver is costly enough without paying out thousands more for auto insurance. And how often have you made a claim on your car or truck? It doesn’t seem fair.

For most of us car insurance is a loss which is why we see it as a commodity. But seeing it that way has a danger — that you take it for granted that you can’t get better rates by switching auto insurance companies.

US drivers, check out: Seattle car insurance, Chicago car insurance, San Francisco car insurance, Denver auto insurance and Portland auto insurance quotes designed solely for you.




 

When you shop for car insurance, you’re basically preparing to switch insurers in order to save. And as this post on saving on car insurance points out, you can save as much as $1700 a month in some cases. But if you only save $600 a year, isn’t it worth it.  $600 x 10 years – $6000. Most drivers don’t draw out calculations over a decade, yet 10 years does pass and you’ll be looking back at where you lost your money.

In fact, you’re leaking money at every hour of the day. It’s time to take control and cut back on some of these costs. There’s no reward for making Geico, Allstate, RBC, TD, Progressive, or other big insurance companies rich.  It’s just money out of your pocket. And the only power you have is to use these insurance savings tips, plus get quotes from ten different insurance providers. You’ll create a policy just for you at a much lower rate.

So that’s it Vancouver drivers, you create your own insurance rate. Make sure you use above insurance savings tips to get the lowest quote possible.




How to Save Thousands on your auto insurance?

  1. buy usage-based coverage using telematics devices or software
  2. bundle your auto, home and life insurance
  3. increase your deductible
  4. don’t buy a car or truck that has the highest insurance rate
  5. check out the expected cost of the neighbourhood you want to move to
  6. use an old car/truck to commute to work
  7. use snow tires and let your insurer know they’re on the car

The Top Driving Tip For Vancouver Area Drivers?

Avoid the worst intersections in Vancouver, Burnaby, Richmond, Langley, Abbotsford, Surrey, Coquitlam, that create the most accidents. See this graphic from the Vancouver Sun and read the horrible reports on their site.

Vancouver’s Worst Intersection: The Willingdon interchange in Burnaby has the dubious distinction of being the most crash-prone location in all of B.C. Over a 5 year period there were nearly 2,200 collisions in that one spot, of that, about 900 resulted in physical injuries to drivers and passengers. How to save on car insurance in Vancouver? Avoid the bad intersections.

Did You Know You can get a copy of Your Driving Record?

Wondering why your auto insurance quotes aren’t low?  See what the insurance companies will see after they give you an initial quote.  Your driving record (driver’s abstract) is a record of your driving history, when your driver’s licence was first issued, plus any driving tickets/offences that occured in the last 5 years. You can apply for it online at BCIC.com.

Screen Capture coutesy of ICBC

Wanting to move to Vancouver? Real estate prices here have rocketed in the last 6 years, but have levelled off of recent.  Vancouver, Burnaby, Coquitlam, Richmond, and Surrey are very desirable places to live and there isn’t much land to build on. That’s why the price of your home in greater Vancouver will never drop. Whether it’s luxury condos in Richmond or downtown Vancouver, or a house in North Vancouver, the demand to live here will never go away. The fact is, Vancouver was rated as the best city in the world. Controlling immigration is primarily done through high housing costs. Vancouver is for the wealthy so be prepared to pay above one million for just about any property. Compare Vancouver income property to that of best cities in US to invest.

The Future of Car Insurance: Usage Based Policies

There are big changes coming in auto insurance. Self-driving cars may not get along well with motorcycles or other human driven vehicles, and given the way BC legislation is drawn up quickly, drivers could be in for a tough go in 5 years. There will be pressure to rate drivers according to how they actually drive. Those who want lower auto insurance rates will demand it. And self-driving cars will require no driver’s insurance.

Technology is pervasive and invading every aspect of our lives. It’s arrived in auto insurance and Millennial aged drivers are showing an acceptance of it. Is it wise or the road we should not go down. Learn more about telematics and car insurance.




Check out insurance for cars and trucks in these other cities:

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Lowest Car Insurance Portland – Oregon Insurance Quotes

Get the Lowest Auto Insurance Quote Possible

Is trying to save on auto or truck insurance a worthwhile mission?  You’re reading this page so you believe it is. What you may not know is that these savings can be as much as $10000 over 5 years. Tha’t why it makes sense to search online and get as many quotes from insurance companies and brokers as possible.

Portland insurance brokers are an especially interesting option since many have their own insurance companies and underwriters they refer customers to get quotes from.

Just like any Oregon insurance companies however, they are interested in making a big profit. That’s why they’re in business. The key is to let other people pay those big profits, while you get rock bottom quotes.




It’s proven that the only way you will get rock bottom, lowest insurance quotes, is to shop around. Insurance companies are tough to this shopping concept, and they’ll make you work really hard to get a quote out of them. They know they don’t have the lowest rates nor policies with good benefits. By shopping, you can save and you might get those features you absolutely want such as free roadside assistance and free rental car.

Where do the biggest savings come from:

  1. buying a cheap, older model car to drive to work
  2. buying usage-based policies
  3. keep your credit rating high
  4. don’t carry collision coverage
  5. install an anti-theft device on expensive car or truck
  6. bundle your home insurance with your auto insurance

So come on Portland drivers, get into the shopping mode and find your lowest cheapest car insurance quote possible. You’ve got the power to shop and save!




Check out auto insurance agencies in your city:

Chet Hill Insurance Agency
10402 NE Sandy Blvd,
Portland, OR 97220, USA
503-256-2020

Timmco Insurance Agency
7330 N Leavitt Ave,
Portland, OR 97203, USA
503-247-8111

Allstate Insurance Agent: Damian Gobel
1511 SE 122nd Ave,
Portland, OR 97233, USA
503-255-3490




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One way to get the best car insurance rates is to use a telematics device. If your driving behavior is erratic and aggressive, the insurer may not offer you lower rates so bad drivers may not benefit at all. Check out this solution for lowering insurance rates for teen drivers.