A Guide to Car Insurance

Get an car insurance company quote online in just minutes.
Average customer savings is 20% and the quote is free with no obligation! 

Once you get your car insurance company quote online, you can purchase your policy online.
Car insurance and quote is very expensive and costs seem to rise every year. Your car insurance and quote costs are a reflection of the cost to repair cars and the costs of medical treatment of those involved in accidents. car insurance and quote companies spread these costs among all drivers. There are a lot of factors that go into your collector car insurance costs that are under your control. 

Here are a few things to keep in mind when shopping for collector car insurance:
Every car sold in the US has a damageability factor assigned to it. It is usually higher for more expensive cars. Therefore, the more expensive the car, the more it costs to insure. However, some cars have very low damageability. For example, most of the mini vans have low damageability. That is why a $30,000 mini van will cost much less to insure than a $30,000 Lincoln LS.
The cars cost the same but the rating factors are different. That is why it is important to compare car insurance policy premiums before you buy that new car. 

Deductibles can keep your online car insurance costs down. When comparing deductibles, decide how much of an increase in deductible (which is money out of your pocket in the event of a claim) compares with the actual cost savings. Some times, it isn't worth taking the higher deductible - sometimes it is! 

The term "Liability coverage" is normally referred to when discussing bodily injury, property damage, and uninsured motorists coverage. You can purchase state minimum limits (which we do not recommend) all the way up to $500,000 of coverage. Higher coverage costs more. It is usually a much better buy to purchase higher limits. For example, liability limits of 100,000 per person, 300,000 per accident is more than twice the coverage of $50,000 per person and $100,000 per accident. However, the additional coverage may only cost about 15% more. 

Just about all companies will charge you more premium for accidents that are considered your fault and all moving violations. 

It pays to be the safest driver you can be.