What is a good, affordable auto insurance?

Question:

I currently have Famers and have been a loyal customer to them for several years. I have no priors, no tickets and I'm a great driver. They have just increased my rates and I don't agree with that. Could there be a reason . In the mean time, I think I would like to shop around for different insurance. Thanks for any ideas.

Answer:
Definately shop around! That will give you an idea if their rates are "in the ball park".

Rates vary from company to company, and from state to state, so my saying State Farm does good by me, but Travelers was cheaper, will do you no good.

(State Farm had better coverage - not limits, but "hidden coverages" which is why I'm still with them - they're the higher premium, but better coverage.)

I have Nationwide and I really did my research and shopped around and they had the best deal for me

I have STATE FARM best service and reasonable prices (not the cheapest but good company)

You basically have to shop around because the rates vary depending on your area. Also, your credit plays a part in what rates an insurance company will charge you. Its not just about your driving. Direct is cheap but they don't come through for you when something happens.

I go to an Insurance Broker. They can get you the best deal because they can give you the best quote because of the many different Insurance companies they represent. You can find them in the phone book under Insurance and they will be glad to help you.

A number of factors can affect the cost of your automobile insurance. Age, make and model of car, driving record, purpose the car serves, where you keep and drive your car, and your credit rating all affect insurance rates.

Ways to lower your rates:
There are a number of things you can do to lower your rates. Here are some tips:
1) Choose an automobile that is inexpensive to insure.
2) Ask your insurer if they offer any discount plans. Most insurance companies have both vehicle and operator discounts.
3) Raising your deductible can lower your premiums. Make sure you can afford a higher deductible.
4) It pays to shop around. You can often find policies that vary hundreds of dollars for the same coverage on the same car. Try an online service that will give you multiple quotes from top companies such as InsureMe – Over 91% of consumers that got quotes reported saving money, an average of almost $400 per year.
http://www.insureme.com/landing.aspx?ref...
5) Drive defensively.
6) Improve your credit history.

Ron @ InsureMe

What is a good, affordable auto insurance?

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