Auto Insurance Quotes

Are you busy and the last thing you want to do is spend your precious time getting a car insurance quote. That is why Modern insurance companies have made getting an affordable car insurance quote quick and simple. In as little as 3 minutes, you can get a car insurance quote from those companies with coverages that are right for you – for the right price. they offer Bodily Injury and Property Damage for liability only insurance shoppers, as well as optional coverages such as Comprehensive, Collision, Medical Payments and much more. they offer 24/7 customer and sales support for all potential and current customers so they are there when you need them. Another perk of company insurance – their convenient payment options can make your monthly price more affordable and your car insurance can be even cheaper with a discounts such as Multi-car and Senior Driver Improvement Course discounts.


• AUTO INSURANCE QUOTES – Liability Insurance
Covers claims filed by others if you cause an accident up to your limit.

• AUTO INSURANCE QUOTES – Collision Insurance
Covers damage to your own car in an accident.

• AUTO INSURANCE QUOTES – Comprehensive Insurance
Covers damage from events other than collisions such as hail, falling branches, vandalism, and theft.

• AUTO INSURANCE QUOTES – Roadside Assistance
Pays for towing services and certain repair costs required to make your car operable.

• AUTO INSURANCE QUOTES – Medical Expenses
This provides limited coverage for medical expenses incurred by you and your passengers in an accident. It  may only apply after other insurance, including health insurance, pays.

• AUTO INSURANCE QUOTES – Rental Car Coverage
Rental Car coverage pays a certain amount per day toward a rental car. Some companies has a partnership with Enterprise Rental Car to get you the best deal.

• AUTO INSURANCE QUOTES – Uninsured Motorist
Covers damage for bodily injury if you’re hit by an uninsured or underinsured driver. (Separate coverage required for property damage coverage)

• AUTO INSURANCE QUOTES – Personal Injury Protection
Available only in select states, this typically provides limited coverage for medical expenses and lost wages to you and occupants of your car in the event of an accident, regardless of fault.

The main goal is to choose the package that is providing minimum car insurance coverage that meets your state’s requirements so you can Drive Safe, Spend Less, and Enjoy the Road Ahead!

Stacked vs. Unstacked Auto Insurance

Auto Insurance

Stacking your auto insurance policy is available in a handful of states, Florida being one of them. You are able to either stack across policies or in one policy in Florida. Stacking your insurance is ideal if you have multiple cars in your name.

When you “stack” your car insurance, it basically increases the amount of insurance money available to you if you are in an accident with an uninsured (UM) or underinsured (UIM) motorist. The amount that you receive is based on how many vehicles that you list on your insurance policy.


If you insure 2 cars under one policy and you get hit by a UM or a UIM, you can use the coverage from both vehicles to pay the costs associated with the accident. So, let’s say you have stacked uninsured motorist coverage and get hit by a UM or UIM. If your medical bills exceed that of the first car’s coverage, the second car’s coverage will then kick in. You can either stack under one policy or stack under multiple policies. This is restricted in some states to either one or both.


If you have an unstacked policy and carry auto insurance on multiple vehicles, you cannot “borrow” from the other car’s coverage if you are in an accident. Only the policy of the car that you are driving will be used to pay for the medical bills. The rest of the bill is paid out of pocket.

There is a cost associated with stacking your insurance. Since the insurer’s payout is a lot more for a stacked policy, you will pay higher premiums. You can choose to do without UM/UIM coverage, but then if you get in an accident with one of these folks and are injured, you will pay for all of the medical bills above the Personal Injury Protection Coverage that is on your policy.

Things to Know Before Renewing Car Insurance

Owning car insurance is mandatory in India as per the Motor Vehicles Act, 1988. Just after the purchase of a brand new car, insuring our car is the first thing most of us do. After all, an expensive investment such as a car, must be well taken care of, mustn’t it? In fact, research has shown that more than one-third of cars in India do not have the mandatory third party insurance. However, it is a known fact that driving an uninsured vehicle in India is a liable offense according to the law.

What we fail to realize is that renewing car insurance is as important as servicing your car. We have put together a list of things you must know before you renew car insurance, in order to make the whole renewal process easier for you.

  • Choosing an insurance plan

There are two main types of car insurance plans – third party insurance, which covers any damage your vehicle has caused a third party and comprehensive car insurance which covers your vehicle from damage as well. While third party insurance is mandatory to have, you can make the choice of whether you would like to buy a comprehensive insurance for your vehicle or not.

  • No Claim Bonus

If you have not had any claims on your car in a particular year, you receive a No Claim Bonus in the form of a significantly reduced premium.

  • Market value of your vehicle

It is important that you do a thorough research on the market value of your car in order to be in a better position to negotiate with your insurance provider while renewing your car insurance as your car’s value will depreciate with time.

  • Timely renewal

If you lapse the renewal of your vehicle’s insurance policy, your insurance provider would charge you a hefty fine. To avoid this, make sure you renew your vehicle’s policy on time.

  • Choose your add-ons

Add-ons may be up-sold to you while renewing your car insurance policy. However, be sure to choose only those add-ons that you truly believe you will need for your car.

  • Voluntary deductions

While renewing your insurance policy you have an option to choose something known as a voluntary deduction. This is an option where you agree to pay a fixed amount during a future claim settlement, so as to reduce your premium and renewal costs.

  • Cashless facility

Do your homework to see which car garage has a tie-up with your insurance provider to avail of the cashless facility during repair and maintenance. A cashless facility will save you on a lot of time rather than running about for a reimbursement.

  • Online insurance

Today with the number of options the internet provides us with, it is a lot easier to buy car insurance online. With a number of insurance websites available, it is also easier to browse through and compare one online car policy with another.

Compare FREE Auto Insurance Quotes Online!

Compare free Auto Insurance Quotes

Are you searching for cheaper Auto Insurance rates? You’ve come to the right place! gives you instant access to online insurance quotes from the leading providers in your area. Compare quotes from multiple carriers and find the best coverage at the right price. Saving money on the coverage you need has never been so easy!

Finding cheaper insurance is simple– will give you a list of multiple quotes online from several insurance carriers in your area, so you can compare rates and choose the best policy. Discover an easier way to get the coverage you need.

Keep things simple with our one-of-a-kind approach to shopping for cheap insurance rates. Because our only goal is to help you connect with the right insurance provider, all results you receive will be completely unbiased. That means you will get actual insurance quotes from the most compatible providers in your area, to ensure coverage catered to your specific needs.

No matter what type of insurance coverage you need, we are here to help you find the right policy. We can also help with many other types of insurance, including Life Insurance!



If I move to a new state, do I need to tell the insurance company?
Yes. If you move to another state, you will need a new auto insurance policy. If you move to another state that offers insurance company insurance, your transition is fairly easy. If you move to a state outside of insurance company’s footprint, they may have agents who can help and provided an auto insurance quote with another licensed insurance company in that state.

Do I need to get new car insurance policy if I move to a different state?
Yes. If you move to another state, you will need to purchase a new policy.

Does my car insurance cover me if I am driving in another state?
Yes. It’s always recommended to check your policy for terms, conditions and limitations from state to state.

Do all states have the same requirements for car insurance?
No. Each state follows its own rules and regulations, which means insurance requirements can differ.

How long does it take to get a car insurance quote?
Getting a single quote should not take much of your time. A lot of factors can affect the amount of time it takes to get an insurance quote.

Call an insurance agent: You can expect to spend five to ten minutes giving an agent your information. Then it is typical for the agent to call you back with a quote. The call back time can vary from within the hour up to several hours. Your call should be returned on the same day unless you called late in the day.

Get a quote online: 15 minutes is advertised as the time it takes to get an insurance quote online. Certainly, the time varies according to your computer skills and how many vehicles you need insurance on.

What kinds of coverage do I need?
Most states only require liability insurance, which covers the costs of anyone who’s injured or dies as a result of a car crash you caused. But consider these additional types of coverage as well:

Collision. This covers repairs to your car after an accident, no matter whose fault it was. You generally have to pony up for the deductible, which is a set amount of money you agreed to pay before the insurance company kicks in the remainder.

Comprehensive. Comprehensive pays for damage to your vehicle from non-crash incidents, such as fire, vandalism, acts of nature and theft.

How many car insurance quotes should you get?
Three to five insurance quotes should give you a good look at what is available. A quick tip on getting multiple quotes at one time is to utilize independent agents. Ask an independent agent which companies they quoted you through so you do not get duplicate quotes when calling around.

A couple different online insurance websites give you the opportunity to get quotes from multiple insurance carriers too. You only need to input your information a single time to get quotes from several carriers.

How do you select the best automobile insurance quote?
With so many options available, choosing the right comprehensive car insurance for you can be confusing. You want to compare apples with apples, and think about the benefits to you. Just as important is whether or not the quote has the coverage you need and want. When you are getting quotes on car insurance, you should have each company run the quote a similarly as possible. The Internet is an invaluable tool. You can browse around and get an accurate online car insurance quote, right away. Compare the prices – but just make sure you’re comparing like with like: ensure you choose the same answers to the insurer’s questions.

There are few main reasons why a policyholder may want to continue with the same company:
• The insurance company provide a fair treatment to all its customers. A reliable insurer has a responsive customer service. Furthermore, it displays a fair treatment. This means sending notifications about various statuses of claims, sending evaluator and generally, talking with the customers and understanding their need.
• The company is willing to negotiate. The capacity to make a compromise is something to really appreciate. But lowering the price during renewal negotiations sometimes means being fair. A good carrier will reward clients for various reasons: installing safety and tracking devices, graduating approved courses and so on.
• Loyalty discounts is another perk to be considered upon renewal. Ask any representative about available discount and how to get them. For some companies this discount will be available after 3 years of continuous coverage. For others, it will take 5 years.
“Keeping the same insurance company or switching to another one is a tough decision. One which must not be taken without consulting the market first. Use online car insurance quotes to compare prices and see if it is worth it to renew or not!” said Russell Rabichev, Marketing Director of Internet Marketing Company.

Lowcarinsurancequotes is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

How and where can I buy a non-owner car insurance policy?
Non-owner car insurance is coverage that protects you when you don’t have your own car but cause an accident while driving a borrowed or rented vehicle. Not all insurers write non-owner policies in every state, but many of the bigger companies offer them in most states. As for costs, non-owner car insurance is less expensive than regular insurance, but the price varies from company to company. Costs tend to range from 10 percent to 80 percent of the price you’d pay for a standard auto policy.

What is my risk assessment?
The insurance rate you’re offered is based on several factors that comprise how much of a “risk” you pose to the company — that is, how likely it is that you’ll be making a claim. The more of a risk you pose, the higher your rate will be.



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