Posts Tagged ‘Rates’

Auto Insurance Quotes Comparison – Steps to Good Car Insurance Rates

Auto Insurance Quotes Comparison – Steps to Good Car Insurance Rates

Automobile insurance is definitely necessary and highly beneficial. Necessary, as in most places it’s mandated by law that all car owners have it; and beneficial because as customers, this is a way to be protected against loses and liabilities that could be incurred in accidents. With this in mind, it is of utmost importance that we get the best offer possible from insurance companies. There are a few key points that need to be noted in order to achieve this.

Collect and Compare. Before buying anything, it is critical to survey the market, get information on the different prices and offers in order to make the right decision on where it is best to buy the product. This also applies to insurance for automobiles. You need to be able to make an auto insurance quotes comparison from the rates that are offered by different companies. This ensures that you are not shortchanged or given the raw end of the deal by an insurance provider.

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Also, another advantage of knowing the rates of different companies is that you may use it as a tool shop for an even better deal. This allows you to contact insurance companies and ask if they can offer anything better than the initial quote that you received. Most auto insurance companies have competitive tendencies, and often lower quotes to match competitors.

Credit Counts. Always bear in mind that aside form the condition of the car you are getting insurance for, one of the main considerations for the quote you receive is your credit rating and record. Ensure that your credit record is accurate and have any errors corrected promptly so it does not affect your car insurance rate. Chances are, the higher your credit score, the better your Auto Insurance Quote will be.

Ask Questions. When you’re nearing the final stages of choosing an insurance company based on the initial information you gathered from your auto insurance quotes comparison make sure to get in touch with the ones at the top of your list directly instead of going through an agent. Ask questions that will give you the answers you need to finalize your decision. These can include queries regarding any coverage that can be deleted from your quote, such as rental or roadside assistance or discounts that may be availed like prior coverage or homeowners. Also, get assurance from the company representative that your auto insurance policy will not lapse for any reason as long as your payments are in order.

If you are conscious of these essential reminders while scouting for an insurance policy for your car, odds are you will be able to deduct a substantial amount on its overall cost. Once you’ve purchased the insurance, remember that how well you drive and how much you pay attention to the maintenance of your vehicle will also make a big difference the next time you make an auto insurance quotes comparison to renew insurance.

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affordable auto insurance quotes – How to Get The Lowest Rates Even If you Have Speeding Tickets

affordable auto insurance quotes – How to Get The Lowest Rates Even If you Have Speeding Tickets

Dealing with speeding tickets is definetly not fun. What is even worse is when you’re stuck that nasty bill in the mail thanks to the excellent ol officer. ANd on top of that, and if you usually do not qualify for traffic school you will end up paying a whole lot moer on your own car insurance. You could easilly expect to pay an extra a number of hundred dollars over the year according to how nice your car insuarnce company is.

And if you don’t would like to over pay on yoru auto inusrance, then you definetely must discover affordable auto insurance quotes as quickly as potential. Usually when lookingg for affordable auto insurance quotes, lots of car drivers will often go for up their local phone book and end up calling each and every single car isnurance company near them.

Not barely is this a waste of time, but you are not going to have affordable auto insurance quotes this way. The reason why is that most of the auto inuanrac eagents that you are going to be dealing with locally are goign to tack on random broker charges. They work on a commission basis, so the more they might tack onto your own automobile insurance premim, the more money they put into their pockets. This is especially not good when you already have speeding tickets on your own driving record.

In order to avoid the headaches and to finalyl get affordable auto insurance quotes, you have to head over to comparison webists online. Comparion weibsites gives you the opportunity to compare qutoes and ratings rathger fast.

All you simply should do is to enter the simple information needed once and within moments you will get affordable auto insurance quotes from the best car insurance companies.

The coverage levels of Auto insurance car insurance was given depending on the type of coverage purchased, while buying Auto insurance GetSafeInsurance.com car insurance the consumer may be protected against the following. That is when buying the Auto insurance GetSafeInsurance.com car insurance…
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Can a history of substance abuse raise your life insurance rates?

Can a history of substance abuse raise your life insurance rates?

By M.K. Guetersloh

Life Quotes, Inc.

The hard partying years after college may have been replaced by the calm of married life. But those past behaviors may haunt you like an unwanted call from a former sweetheart—especially when you try to buy life insurance.

In order to receive standard rates, most insurance experts agree that drug and alcohol abuse problems need to be behind you for a minimum of five years.

Excessive use of drugs and alcohol can cause a number of serious health conditions. Researchers from the University of North Carolina, Chapel Hill, Bowles Center for Alcohol Studies, estimates that alcohol and drug abuse can decrease your lifespan by nearly 10 years. Among the health risks, drug and alcohol abuse can cause high blood pressure, cancer (breast, esophageal, mouth, larynx and pharynx), liver disease, and heart or respiratory failure. The American Cancer Society reports that 2 to 4 percent of all cancers are directly related to alcohol abuse. The mixing of drugs and alcohol can be immediately fatal leading to seizures, coma, heart attack and respiratory failure.

“That kind of behavior can affect your rates catastrophically,” says Ryan Pinney, a high-risk insurance specialist for Roseville, Calif.-based Pinney Insurance Center, Inc. “It’s a health hazard and a moral hazard.”

In addition to affecting your rates for life insurance, Pinney says, drug and alcohol abuse can also affect your health and auto insurance rates. In some instances, if you have a DUI, you might find your auto insurance policy cancelled altogether.

While drug and alcohol dependency is a fairly common obstacle for those seeking life insurance, Dr. Robert Pokorski, Chief Medical Strategist for The Hartford, says that it’s still not impossible to get a life insurance policy at an affordable rate— if you no longer drink.

“The classic case is: you have someone who is getting a little older and realizes they need to take better care of themselves,” Pokorski says. “If they put five years between themselves and those events, they are very insurable and can get standard rates.”

Insurers ask prospective policyholders to be forthcoming on medical questionnaires, but if you pass the medical questionnaire you’re still not out of the woods yet. Insurance companies also review a prospective customer’s medical and driving records along with blood and urine tests.

Pinney says of you have a problem with substance abuse—the best course of action is to talk to an agent about those problems

How do they know?

Insurance companies can access information about a person’s health status through the Medical Information Bureau (MIB). The MIB protects insurers, policyholders and applicants against insurance fraud in the life, health, disability, critical illness and long-term care lines of insurance.

If you’ve been denied life insurance due to a health risk such as substance abuse, a record of the denial is kept in the MIB’s database,

“Any insurance company can look up your information in the database,” says Pinney.

For that reason, Pinney says, “The worse thing they can do is blindly apply to several insurance companies for coverage and omit information, especially after a denial.”

Although drugs are more difficult to detect and some insurance companies such as The Hartford don’t test for drugs, alcohol abuse can be found in several tests used by most insurers to detect problems with liver function. During a paramedical examination, blood samples are subjected to a Carbohydrate Deficient Transferrin (CDT) test to rule out liver disease. Often, when excessive drinking is involved, a person’s liver function will be elevated.

“Honestly is definitely the best policy,” Pinney said. “If you don’t disclose to an insurance company that you have a problem and they find it in your blood work or they find that you were arrested for driving under the influence last year; they won’t be very happy and they won’t insure you. In fact, no one will.”

Allen Hixon, manager of State Farm’s life and health underwriting division, agreed.

If someone is able to hide their problem from an insurance company’s review and a policy is issued, Hixon says insurance companies might balk at paying the claim to beneficiaries if it’s found out later that they hid information.

“If an insurance company can argue that the policy was entered into fraudulently that could limit what the beneficiary receives,” Hixon said.

Hixon and Pokorski add that unlike hard drugs, insurers view alcohol and marijuana a little differently.

“How someone gets the hard drugs can also make a difference,” Hixon says. “If the abuse comes by someone who has been prescribed chronic pain medication and they can’t shake it, it’s a little different than someone who is going out to the street corner to buy cocaine or heroin.”

For those who have gone through treatment and recovery, insurers recommend waiting at least two years before seeking life insurance.

State Farm generally uses two years of being clean and sober as a benchmark to revisit a policy, but Hixon warns that the rates may still be a little higher.

Pinney says that insurance companies are looking for three things when it comes to underwriting drug and alcohol abuse:

complete disclosure of problems,
compliance with their doctor’s orders to stop the behavior,
and what is the ultimate result of that person’s efforts to remain clean and sober.



Facts and Myths about alcohol

1.) A person who wants to drink less alcohol should drink white wine.

Fact:

The standard 5-ounce serving of white or red wine, a 12-ounce bottle of beer and a ½-ounce shot of 80 proof distilled spirits contain the same amount of alcohol and register the same on a Breathalyzer test.

2.) Drinking red wine is good for your heart.

Fact:

Red wine can prevent heart disease if it is limited to only one drink a day.

3.) DoesDrinking beer causes a “beer belly”?

Myth:

Eating too much food causes a “beer belly.” No beer or other alcohol beverage is necessary is needed to create one.

 4.) Drinking will add pounds to your waistline.

Myth:

Drinking alcohol does not cause weight gain. This myth is widely believed because alcohol does have calories. Extensive research has concluded that it does not cause weight gain in men. For women, the research found alcohol frequently causes limited weight loss.

5.) Only college students binge drink.

Myth:

Few college students are binge drinkers. In recent years, the number of students that drink continues to decline including the number of students that drink heavily. Some researchers have defined binge drinking as consuming at least four drinks a day for women and five drinks a day for men. Many college students become branded as binge drinkers because they qualify under that definition. However, by definition binge drinking is an extended period of drunkenness that lasts for several days while the drinker drops out of normal life activities.

6.) Men and women can drink the same amount of alcohol if they are roughly the same height and weight.

Fact:

Men can metabolize alcohol faster because they have more lean muscle than women. Lean muscle helps dilute the affects of alcohol because it increases the percentage of body water. Women typically have a little more fat than lean muscle compared to men. Also, alcohol can affect women more rapidly. Women also have less of the enzyme dehydrogenase, which metabolizes alcohol. And woman’s menstrual cycle also affects how alcohol is absorbs and metabolized.

7.) The strictest drinking laws are found in the United States

Fact:

Among Western nations, the United States has the strictest drinking laws for young people. Age 21 is the highest minimum drinking age in the entire world. These tight rules continue by covering adults with zero tolerance rules regarding public intoxication and drinking and driving. 8.) The country with the highest consumption of alcohol in the world per capita is the United States.

Myth

9.) The United States is ranked 32nd with an average consumption rate of 1.74 gallons of pure alcohol per person annually.

Myth:

According to latest estimates, the Top 10 Alcohol Consuming Countries and the average gallons of pure alcohol consumed per person is:

Portugal 2.98
Luxembourg 2.95
France 2.87
Hungary 2.66
Spain 2.66
Czech Republic 2.64
Denmark 2.61
Germany 2.50
Austria 2.50
Switzerland 2.43

Sources: Alcohol: Problems and Solutions, Hanson, David; Carroll, C.R. Drugs in Modern Society; Cline, C. N. (Ed.) The Frequently Asked Questions (FAQs) of Life; Wechsler, H., et al., Journal of American College Health, 1998; National Institute on Alcohol Abuse and Alcoholism; Avis, H. Drugs and Life; Lowenson, J., et al. (Eds.) Substance: A Comprehensive Textbook; Barr, A. Drink: A Social History of America.

This article originally published on www.lifequotes.com.

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Non Owner Auto Insurance – Easily Get Affordable Rates Regardless Of Your Driving History

Non Owner Auto Insurance – Easily Get Affordable Rates Regardless Of Your Driving History

When you have a less than stellar driving history at this point in time, you already know insurance companies are going to be sticking you with less than favorable rates.

We are all human and everyone gets a speeding ticket or two or maybe just one dui at some point in their lifetime. Mistakes happen and we learn from them, but car insurance companies seem to not want to let things go.

Auto insurance companies end up sticking you with ridiculous rates whether you are looking for non owner sr22 insurance, non owner liability insurance or even just the standard non owner auto insurance.

You obviously know it is important to be well insured with the proper non owner auto insurance but getting the best rates can be quite difficult especially if you have be looking at the wrong places this entire time.

And the biggest mistake that divers make when looking for affordable non owner auto insurance is that they settle with the first quote or two and stop at that.

They are missing out on the big discounts that can be had just by opening up their options just a little bit.

And it’s no wonder over 2 million drivers are currently over paying for non owner auto insurance and you might be one of them.

If you want to finally start saving money on your nonowner insurance it would be a smart idea to take advantage of the rates that can be had from specialized auto insurance websites online.

Imagine being able to save 3 or more just by getting a free quote from a specialized auto insurance website today? And imagine what you can do with the 3 you will save just be performing a quick quote today?

You see, 800,000+ drivers are now able to save money rather quickly and easily because they are able get quotes from reputable companies all in one place.

By simply filling out one simple form, they are able to get quotes from several car insurance companies without having to waste their precious gas driving around town again.

And instead of filling out the same information over and over, they only have to fill out a short form once and that information is securely processed by reputable car insurance companies quickly and safely.

So if you would like to finally save money on your non owner car insurance like 800,000+ drivers have done, you should secure the affordable rates available today while you still can.

And to get cheap Non Owner Auto Insurance today just Click Here

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Auto Insurance Quotes: Comprehensive Rates

Auto Insurance Quotes: Comprehensive Rates

What’s a Quote? Is it Necessary? Where Do I Find One?

Auto insurance quotes are nothing more than the rate price to be charged of a buyer in owning vehicular insurance. These auto insurance quotes are based on a wide range of factors including coverage and other more obscure anomalies to be explained.

An Auto Insurance Quote is very important to consider before purchasing a policy, as it is through these insurance quotes that one may achieve a general concept of price and form a conclusion and decision based on said quote. Fortunately, they are rather easy to obtain, though. Quotes can be acquired from most major insurance agents by filling out a general information form on their respective website.

Factors in Depth

Two very vital factors affecting auto insurance quotes and premiums are the coverage plan and the deductibles. The latter, the deductibles, are certain aspects of an auto insurance quotes that are not to be paid by the insurance company in case a file need be claimed. If more deductibles exist, then a buyer’s premium is likelier to be lower.

Coverage, on the other hand, is the costs that the insurance is willing to pay. They are, however, based on the chosen rate and can be both minimal and extensive. Some forms of coverage include liability for property destruction or physical damage to another motorist or pedestrian. This form exists in case fault is placed on the buyer and not the other party within an accident. Conversely, coverage for the buyer him/herself can include medical coverage, vehicular coverage, rental coverage, and other general services.

General Factors

Unfortunately, some factors increasing premiums and one’s Auto Insurance Quote may exist that are based off problems or conflicts within the insurance company and not the buyer per se. A higher level of medical expense on a general level, for example, could increase premiums for all clients covered by an insurance company. Expenses within the insurance company itself due to economic reasons can also be detrimental to a buyer’s Auto Insurance Quote.         

Other Lesser Known Factors

More so, however, personal attributes are often the reasoning behind a higher or lower Auto Insurance Quote. Auto insurance quotes often times are dependent upon some more obscure traits, both within the person and within the vehicle, as well. These include the vehicle type, location, gender, age, record, and other personal characteristics. It is often the case that faster and more expensive cars result in a higher rate. This may be due to repair costs or the recklessness that is often associated with higher-end cars.

Some other aforementioned aspects that may increase a buyer’s Auto Insurance Quote are the gender and age of the driver. Young males (who are single) tend to be the most likely candidate for a car accident, and so their Auto Insurance Quote tends to be higher than those of female or married clients. Other effects may also include records, such as DUIs, tickets, and previous collisions.

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How To Compare Commercial Auto Insurance And Get The Cheapest Rates

How To Compare Commercial Auto Insurance And Get The Cheapest Rates

Does your organization have employees that use cars, trucks or any other type of vehicle while conducting business for you?

If so, you may need to consider and compare commercial auto insurance – even if you are a small or home-based business. Depending on your personal auto insurance or your employees’ personal policies to provide coverage is probably not a good idea.

Assuming personal insurance will provide coverage can lead to serious consequences. At the least, personal policies do not cover and protect inventory or customers’ property which you may be transporting. At worse – in a serious accident, your insurer may find you misstated your application and refuse coverage. Scenarios such as this can ruin a business.

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Business auto insurance may really necessary to protect your business assets and keep your vehicles on the road when an accident happens.

Certain requirements must be met for a vehicle to be considered and insured as a “commercial vehicle”. The best way to learn what these requirements are in your particular location is to sit down with two or more certified agents and get their recommendations.

The agents will let you know the type of coverage you need and should ask details about several risk factors, including:

• Who are the drivers?
• What is their age?
• What is their driving record?
• Do they have an active license?
• What type of vehicles are you using?
• What is their make and year of the vehicles?
• Are there any past claims?
• What is the likely of it being stolen?
• Does the vehicle have security devices?
• What is the annual mileage?
• Does it carry cargo?
• What type of material is carried?

With answers to these questions, and others, the agents should provide with quotations. Use these to compare coverage and costs. After you compare commercial auto insurance quotes, you will be able to get the best coverage at the lowest cost for your business.

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Free Auto Insurance Quotes Online – Get Cheap Rates in Minutes

Free Auto Insurance Quotes Online – Get Cheap Rates in Minutes

More and more people are discovering the benefits of shopping online. Here’s how to get free auto insurance quotes online and get cheap rates quickly and easily.

Where can I get free auto insurance quotes online?

There are a ton of websites that will give you free auto insurance quotes online. The bigger sites are operated by the larger companies and only give you their quotes. But because rates can vary by ,000 or more from one company to the next, you need to go to a site that will give you quotes from a number of auto insurance companies.

Not only can you get multiple rate quotes from these sites, the better sites also have an articles section where you can get auto insurance tips, and a chat section where you can talk with an insurance expert online and get answers to your questions (see link below).

What auto insurance discounts can I get?

When you fill out the online questionnaire for an insurance comparison site you’ll be asked what discounts you want. Here’s a list of the discounts that will save you the most money:

1. Increase your deductible – Depending on how high you raise it this can save you 30% to 50% on your auto insurance premium.

2. Combine your insurance – Placing your auto and homeowners insurance with the same company will save you up to 15% on your premium.

3. Install security devices – Outfitting your car with a burglar alarm or other theft-prevention device can get you a good-sized discount.

4. Eliminate unneeded coverage – You may want to eliminate your comprehensive and collision coverage if your car is more than five years old, or if the cost of your annual premium is the same as the value of your car.

Bottom Line

It only takes a few minutes to get a free Auto Insurance Quote online and you could save 0 to ,000 every year you own your car. So why not head over to an insurance comparison site right now and find out how much you can save.

Visit http://www.LowerRateQuotes.com or click on the following link to get free auto insurance quotes online from top-rated companies in your area. You can get more car insurance tips by checking out their “Articles” section.

Best Auto Insurance Quotes: Know the Rules to Get Best Rates

Best Auto Insurance Quotes: Know the Rules to Get Best Rates

After you have bought your vehicle, next step is to get it insured, try to get the best auto insurance quotes so that it’s not too heavy on your pocket. If you already have a vehicle which is insured, but it’s time now to renew your insurance, you can do little research on whether your current company is giving you the best rates or not. Auto insurance quotes can be provided by the insurance companies directly, through insurance agents or through the internet.

The best and by far the quickest way to get best auto insurance quotes is to shop online. You can get instant quotes from different companies; get the best rates without physically discussing it and its all done from the comfort of your home or office. Shopping online allows you to compare quotes given by different insurers, thus you can get the best quotes without hassles.

Key Factors Which Decide The Insurance Quotes:

There are some factors which play a key role in deciding your insurance premium:

Premium for new cars with big engines and large sizes is more. The bigger your engine is, the flashier your car is, the more money you have to shell out in the premium. A flashy sports car attracts much higher auto insurance quotes than a sturdy car with no frills.
Age and sex also play a major role. Many insurers offer lower insurance quotes for women drivers, as women drivers are considered to be safer. On the other hand, young and inexperienced drivers have to pay more as car insurance UK. However, for getting best auto insurance quotes, you may check in with some websites which offer lower rates for young drivers too, those who have taken advanced driving lessons.
If you get extra safety features installed on your car, you will get lower car insurance quotes. Getting your windows etched with your registration number, having alarms fitted etc., these safety features play an important role in getting the best auto insurance quotes for you.

Type Of Insurances:

Another important aspect for getting good auto insurance quotes is the knowledge of what is insured and what not. For the simple third party insurance, only basics are covered and premium is low. While for the full comprehensive insurance, it has a high premium, but it covers you and your car against everything and anything.

Depending on the above stated factors, you can very well decide what kind of insurance you want and what you can do to lower the insurance premium. You must also do a background check about the insurer’s market reputation and service provided to the customers. Now, it’s up to you to negotiate the best auto insurance quotes with your insurance company.

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SR22 Auto Insurance Ideas – Shop On the web For Lower Rates

SR22 Auto Insurance Ideas – Shop On the web For Lower Rates

Are you finding it very difficult to get lower SR22 auto insurance quotes? If you are all too familiar with your local SR22 auto insurance requirements I want you to take heart. You can still save cash on your automobile insurance.

If you have been rated as a high risk driver, this article may well assist you discover far more about some of the SR22 essentials and to find out how you can still save a lot of cash on auto insurance.

Filling out a SR22 form is component of what is needed to get your drivers license re-instated if it has been suspended mainly because of a violation. Your insurance provider should problem this form to prove to the state that you have the needed quantity of vehicle insurance coverage ordered by law in your area.

Reasons Why A Drivers License Could possibly Be Suspended

Here are a few factors why a persons license may well be suspended:

- DWI/DUI Conviction

- Unpaid Fines

- Causing an Accident Even though Uninsured

After arranging for vehicle insurance following your suspension, you will require to ask your insurance provider to problem an SR22. Then you will take the form to the local state licensing department so you can have your drivers license re-instated.

Your present insurance carrier can offer this for you…that is if they will agree to continue your coverage under their insurance plan. Maintain in mind on the other hand that they may perhaps refuse you coverage simply because of your driving record. If they do continue your policy it could quite well be at a a lot higher rate than you paid them before the violation. If that happens you will require to shop for insurance somewhere else.

If you are unable to stay with the exact same insurer for any reason, then it’s time to begin searching for coverage elsewhere. There are some firms that specialize in providing coverage or higher-risk drivers (which you are if you require an SR22), or you can approach any insurance business you like to try to arrange coverage.

Where To Get SR22 Insurance

Discovering the ideal rate for SR22 insurance is the same as obtaining a standard auto insurance policy. To obtain the lowest quote, you will will need to shop around. On the web you can uncover a lot of info about automobile insurance corporations that supply this type of coverage. Use your favorite search engine to get a list of corporations that service your area and to compare quotes.

How To Uncover The Cheapest SR 22 Car Insurance Rates

If you are considered to be a high risk driver, it is still feasible to find a far better priced auto insurance policy…but you will have to put in the time and effort. Discovering low cost SR22 insurance is not a realistic objective if you give up too quickly. Shop around though and you might be surprised that the chance of discovering a reasonably priced plan is not as hopeless as you thought.

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Cheap Motor Insurance – Why And How You Can Lower Your Rates

Cheap Motor Insurance – Why And How You Can Lower Your Rates

You need your vehicle to be insured and the best way to do this is to purchase Motor Insurance. If you are wondering how to get cheap motor insurance and the ways in which you can get low motor insurance rates, we there to help you.  We offer you a few simple ways to help you get a cheap motor insurance policy and low insurance rates. It is important to mention here that low motor insurance rates in not a right way to reduce the benefits of your insurance coverage.

Any popular insurance company computes your rates by analyzing your level of risk. You just have to fill in some required details to be entitled for the low cost insurance policy. The low motor insurance rates offered by the prime insurance company brands helps you save a huge amount of money.

When you are applying for a car or two wheeler insurance, always remember that there are certain factors that will affect your final premium rates. Your age, gender and past payment records are some of the essential factors that will influence your final rates. In spite of these factors, you can still get low motor insurance rates. In order to get a cheap car insurance policy and low insurance rates, you need to obtain more than one rate quote. Since insurance company premium prices vary, it is better to browse through their websites to get the best auto insurance quotes and rates that suit your budget.

Many sites offer you a choice of auto insurance quotes. But you must be careful while browsing through the sites because most of these sites do not provide authentic auto insurance quotes. They often make a huge profit from the information you provided, by selling it to other agents. We suggest you to browse through about five insurance quotes sites online. These quotes indicate which insurance company will offer you a cheap insurance policy and help you get low rates.  Most of the renowned insurance companies will offer you quote online to help you grab a comprehensive package and enable you to save a lot on your auto insurance. Thus, you need to be alert while making a final choice.

Apart from getting low cost auto insurance quotes, there are a few other points you must bear in mind while getting a cheap car insurance plan and lowering your rates. Factors such as the year in which you bought the vehicle, the age and condition of your car, affect your insurance rates in many ways.  New cars will cost you more to insure than older and cheaper cars. Go through the different rates online to get an idea of how much premium you should pay for the policy and the amount you can save. Going high on deductibles, making your payments on time to prevent coverage lapses and having a good credit history can help you get low motor insurance rates.

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