Before we dive in, there is one thing that any used car buyer must do before they launch the process…..relax! As a traditional feeble car dealer, I was never able to quite understand why people were wound so incredibly tight when they walked in to my dealership. I reflect that the combination of bad past experiences and a lack of knowledge about buying cars created much unneeded anxiety. So, the goal of this article is to help you understand what to do to get a noble car at a fair price, with no stress involved. Take it from a man who has had 2 open heart surgeries, buying a car is very small potatoes! Let’s begin.
Step #1 – Determine Your Budget
Your budget will be determined by several factors. If you are paying cash for the car (a generic term for no financing), then your budget is simply the amount of your bank myth you are willing to portion with! Be sure to never deplete an epic to purchase a car because then you will not have any money if other emergencies come up. If you need to get an auto loan to purchase a vehicle, then go to your bank and deny them what you can afford in terms of a monthly payment. They will be able to calculate for you what the amount is that yields your desired monthly payment. At this time, you will also need to win pre-approved for the loan. It is imperative that this be your first step. You are wasting yours and the dealer’s time if you go onto a lot, drive cars, and do not have your money arranged. They know it and will not be very eager to deal. Always have your own financing arranged. If you let the dealer obtain the financing for you, then they may mark up the interest rate in order to get a kick-back from the bank and increase profit. Most used dealers don’t do this, but why risk paying a higher interest rate than you have to? Dealers like quick deals and often say “thank you” with a reduced designate if they don’t have to fool with getting you a loan!
Step #2 – Research Cars for Sale
Let’s say that you have been pre-approved for an auto loan in the amount of $10,000. You must now realize that you cannot buy a $10,000 car. Remember that sales tax and transfer fees must be paid. So, if you have been pre-approved for $10,000, look for cars that are priced at $9,000 and under. Do not assume that a used dealer will arrive down on his price. While he may, you are wasting everyone’s time looking at cars over $10,000. There’s puny chance that a used car dealer has so much mark-up in his cars that he can reduce an $11,000 or $12,000 car down to $10,000 out-the-door. It’s not going to happen. So, look in your local paper and on great websites like autotrader.com for cars in your area that are in your price range. If you know an exact model or body style you want, then search for it only. At this point you need to narrow your list down to 3 specific cars that interest you. Look up the Kelly Blue Book value on these cars to acquire sure that they are at or under retail pricing. If they are priced too high, just forget about that car and move on. A worthy dealer will have all of the pertinent information in their ad, such as year, make, model, and miles. This all you need to get a basic car value characterize at kbb.com. To get a really just figure, you would have to know all of the options, so you may call the dealer to get that information if necessary. Be brief with your phone call.
Step #3 – Call the Dealer
The point of this phone call is to get the options of the car if you desire to get a really accurate KBB relate, confirm that the vehicle is still available, and to obtain the VIN of the car. Also, ask if there is a CarFax report available. Do not dive into a bunch of questions about the condition of the car. The dealer has customers on the lot looking at cars and they deserve his attention.
Step #4 – Run a CarFax Report
If the dealer does not have a CarFax report, this certainly should not exclude the car from your consideration. You can acquire an unlimited one month subscription at carfax.com for around $30. So, enter the VIN of the cars you are interested in and pick up the reports. The CarFax report will tell you how many owners the car has had, if there are any reported accidents, and the title status (clean or rebuilt). The main thing you are looking for is major accidents or title branding. If the car is rebuilt or has a major accident in its history, you should drop it from the list. Don’t call the dealer to let him know or to chew him out. That’s ridiculous, unbiased move on.
Step #5 – Go to the Dealership
At this point, you should have one car in mind that stands out to you. You have confirmed that the car is level-headed for sale. You have verified that the asking tag of the car is beautiful and the car has a clean title history. Now, go to the dealership first thing in the morning. You will need time to take the car to your mechanic. Call ahead to your mechanic to gain sure he can get the car in. When you go to the dealership, be very courteous. This is a fun time and you should be excited! Remember that the salesman is there to help, he probably is an honest guy and wishes to come by a living while he sells you a car. Tell the salesman which vehicle you are looking at and that you wish to take a test drive. At this time, verify the options on the car, check the overall condition, and if you are mechanically inclined check the car out. When you drive the car, rob it on the interstate as well as some shrimp road driving. If you like the car, ask to hold it to your mechanic. Assure the dealer that you already have an appointment and that if the car checks out well, you are very enthusiastic in purchasing the car today. He will let you hold it. If he does not let you take it, simply leave and go to the next car on your list.
Step #6 – Take Car to Mechanic
Ask the mechanic to perform a thorough inspection of the car because you are considering buying it. Tell him that you want to know of anything and everything that needs to be replaced. You may have to pay around $100 for an inspection like this, but it is well worth it. Chances are that it needs work. Almost all used cars need at least $500 worth of repairs. If the engine, transmission, and air conditioning are in good shape, then don’t sweat the other stuff. Little things like power window motors, a crusty exhaust, thin brake pads, etc. are to be expected on a used car and can be fixed slowly over time. They should not hold you from buying an otherwise sound car.
Step #7 – Choose the Car
Assuming that the mechanical inspection was to your satisfaction, go to the dealership to buy the car! This is the point that people are most anxious about. Don’t be. Negotiating the deal is very easy. Remember that the dealer does this many times every day. He is not nervous or anxious. You cannot convince him to take a deal that doesn’t make sense to him. He wants to sell you the car. So, he will if he can. You already know that his price is fair, so say this, “I like the car. The CarFax is good and the mechanical inspection was to my satisfaction. I already have my financing arranged. I really don’t want to negotiate with you. Simply tell me what the best price you can do is on the car and I will tell you if I can do that.” When people approached me in that way at the car lot, I was always very eager to be straightforward because I knew they were serious. I would not dicker, or give them the run around. I would give them the best deal I could. However, don’t be surprised if the amount he can take off is very little or none. You already know it’s a good deal, so anything he takes off is just bonus! He has to make a living. At this time, you will also want to behold if there is any kind of warranty with the vehicle. Most used cars are sold as-is. However, if there is money left over after he reduces the price, you may want to purchase an extended warranty. This can be included in your loan at the time of purchase. After the deal is done, thank the dealer for his time. If you had a great experience, let him know!
Step #8 – Get Insurance and Drive Away!
It is best to get insurance coverage on the car while still at the dealership. That way you can drive away with no worries. Also, your bank will require insurance on the car in order to close your loan. You will need to close your loan within a day or two of purchasing the vehicle. The dealership cannot get paid by the bank until you close the loan. The dealer and the bank will instruct you on what to do. Different banks and dealers have different policies. Most importantly…ENJOY YOUR NEW (Old-fashioned) CAR!!!!
Filed under Edmunds Insurance by on Mar 14th, 2011. Comment.
According to an article about preventing automobile accidents involving teen drivers, the Centers for Disease Control and Prevention reported that motor vehicle crashes are the leading cause of death for U.S. teens – - teen drivers between the ages of 16 and 19 are four times more likely to be involved in a car crash than older drivers. If you get past this discouraging statistic and allow your teen to obtain their drivers’ license and win behind the wheel of a vehicle, you must first obtain auto insurance for your teen driver. Auto insurance for teens is probably the most costly form of insurance that you will ever purchase; however, taking the time to search for the best auto insurance for teenagers will help lop the cost to you.
Auto insurance for your teen driver will be expensive but there are steps you can take to cleave the cost of teen automobile insurance. One way to decrease the cost of automobile insurance for teenagers is not popular with most teens – - choosing a vehicle that is not a sports car, not a brand new vehicle, does not contain a powerful engine and does not have a sound system that would make an Imax theater jealous. In addition to age and driving history, automobile insurance companies take into consideration the vehicle that the driver will be using when quoting rates. As with adults, the vehicle can affect the insurance rate and teens are infamous for wanting fast, loud vehicles, which also are a huge distraction for them when driving. Even though it may not be popular with your teen driver, choose a modest, family vehicle for their first car. This will not only lower your automobile insurance (it will still be high) but it could also reduce their risk for an auto accident.
In addition to choosing a vehicle, comparison shopping for auto insurance for teenagers is mandatory to get the best teen auto insurance at the lowest rate. Originate with your current automobile insurance provider and obtain a quote for adding your teen to your policy as well as a quote for a separate auto insurance policy for your teen driver. It is best to salvage quotes for both options, as obtaining a separate policy may be a better value than adding your teen to your insurance policy. Do not forget to ask for specials and discounts from your current company for family insurance coverage and long-standing customers. After you have an insurance quote from your new insurance company, contact several insurance companies and obtain teen insurance quotes to compare prices.
Asking for discounts for the following factors when comparison shopping can also save you money when purchasing auto insurance for teenagers:
1. Taking and passing a Drivers Education Course
2. Good Student Discount – discounts for teen drivers who maintain high grade point averages
3. Passing their driver’s examination with high scores
4. Taking a Defensive Driving Class or Accident Prevention Course
Do not opt to reduce insurance coverage to assign money – - it is best to pay the slight increase to have full coverage on your teen driver than to save a few bucks and risk lowering coverage. For more information on how to protect your teen driver read the information provided at Progressive.com and Nationwide.com about teen drivers.
Filed under Auto Insurance Companies by on Feb 27th, 2011. Comment.
It is something everyone dreads yet there is no way around it: a car that needs repair. Few things are more frustrating than getting caught up on bills, maybe even a slight ahead then … the car starts making funny noises, or won’t begin, or your teenage driver backs into a fence and breaks a tail lamp cover. Sometimes it seems as if the car can monitor conversations held within it. For example, my husband and I are returning from errands and I say, ” Hon, how about we use that bonus for a new couch? ” Fair on cue we hear unique thunks and then a clacking noise. True sage, I whine!
Fortunately, we didn’t have to resort to using designate language while in the car because I got a job selling used parts in a salvage yard. The benefits were great. If you needed a section for your car, it was free for the pulling, we got a free tank of recycled gas per week and if my car needed work I knew every mechanic in town since they were all customers. I never had to wait to get my car in for repair. One time I had snow tires installed during my lunch hour and got back to work with time to spare! I had retail customers that would tell me how they loved glean yards and had fond memories of pulling parts with their Dad. I can’t blame them, the sight of endless rows of every type of car all lined up is still thrilling to me…all those parts just waiting for bargain seekers.
Over the years, I learned a thing or two about how to get the best deal on traditional parts. I am all for recycling. Modern derive yards are greener than most places and take special care to not pollute the environment. According to the Automotive Recyclers Association, salvage yards are responsible for millions of mercury switches being disposed of properly. Who wants mercury floating around in the soil and water?
The first rule is, they are unusual salvage yards not junk yards. I had many people call me on the phone and ask, ” Is this a junk yard? ”
I would reply, “No, it’s a salvage yard, I don’t sell junk.” Don’t get me wrong, there are still some junk yards around. Don’t buy parts at a junk yard, you rarely will get a genuine deal.
U-pull-its are cheaper. However, reflect your time and skill level. Some items are time consuming and difficult to pull without damaging the part. It is worth the extra money to have a professional pull the part.
Call ahead for price and availability. Make positive you know what part you need. The salespeople are distinguished sources of information but they can’t diagnose your vehicle over the phone.
Know your basic vehicle information before you call. Engine size, make, model and year are essentials. Have the VIN code handy. It is located on a tag, usually in the door jamb. Engine size is on a tag in the engine compartment.
If the salesperson needs more info such as, wheel size or other specifics, get the info and call aid. Don’t ask the salesperson to guess, a good one won’t try anyway.
If they do have the part in stock ask if it is on the shelf. If it is, you can unprejudiced walk in and purchase it. If the part needs to be pulled ask how long it will take. It will vary with how busy the dismantlers are.
If the part you need is not available at that yard, ask the salesperson to put it on the locator. Many times they will be able to locate the portion you need at another yard and have it shipped in for you.
Ask for the mileage of the vehicle the part will be coming off. They should know. If they don’t it is a red flag that the part has 150,000 miles on it. Also, make sure you ask if the part is off a vehicle that was hit. You want a part from a vehicle that was in a crash. These parts were driven in working condition to the accident. The dismantlers know what is damaged and needs to be scrapped and what can be sold. A junk vehicle dropped at the yard was junked for good reason. Stay away from engine parts off those.
Once, you have found the part you need, ask the salesperson if they can do better on the tag. Ask politely. If a part has been sitting in the warehouse for 6 months or longer, they may be willing to bargain. The longer the share sits at the yard the less chance they have of selling it and they would rather sell it than crush it for scrap value.
Don’t buy used parts that have to do with safety. Retract new on tie rods, brake pads and most brake parts (believe it or not I had people ask for used brake pads), inspect used tires carefully. Sometimes you can get a beautiful set primitive but you have to know what you are looking for. A good salesperson won’t steer you contemptible on safety. Be cautious on windshields. They are difficult to transport and install without breaking and most yards offer no guarantee on glass.
Finally, ask about the return policy. You need to know what happens if you catch the part home and then find that something else entirely was wrong with the vehicle. Ask about the warranty. If the piece goes bad in a month ( this doesn’t happen very often) you need to know your options. Also be aware that if the part is not good most yards do not pay labor.
You can really save by using recycled parts. I have seen plenty of customers almost jump for joy when they come by a part that is $135 fresh, at a salvage yard for $35. There are plenty of bargains, just be sure to do your homework and ask as many questions as you need to.
Filed under Automotive Repair Insurance by on Feb 25th, 2011. Comment.
Twelve years ago, I was a senior in High School, considering what I should do after we all tossed our graduation caps in the air. I was considering going to college, along with many of my peers, but a visit from a recruiting representative for a local vocational college persuaded me and several others in our shop class that a career in automotive technology was the map to a prosperous future. Automotive dealership service departments, he claimed, were on the cutting edge of automobile repair, and those service departments would be willing to pay big dollars to anyone certified to work on modern automobiles. This same recruiting representative showed our shop class a video depicting “service managers” practically begging for clean cut, motivated, and certified technicians to come apply at their service departments. The face of the industry was changing, they claimed. Seasoned technicians were leaving the industry in droves, more quickly than they were being replaced. Being the naïve young kid that I was, I thought I'd be able to go to a year of technical school and be on the fast track to six figures a year. I envisioned myself working in a pristine shop, like those displayed in the dealership commercials, with smiling customers and service staff. I couldn't have been more wrong about many things, about the future of my career, the careers of my colleagues, and about the level of service provided to customers by dealership service departments.
After my graduation from my technical vocational college, I immediately went to work for a small dealership in the city that I grew up in. I lickety-split learned that the claims of the tech school recruiter were cherry coated half-truths. After being hired into a local dealership as an entry level technician, with no sincere world experience to utter of, I was put to work. There was little to no guidance or help when I ran into problems I had never seen before. The only other technician at the dealership was a guy who had been working there for more than 25 years. Due to the fact that we were all on commissioned only salary, he didn't want to give many pointers on how to fix the cars I was tasked with repairing. If I couldn't repair them, I would have to give the cars up and let him fix them. I would receive no compensation for the time I spent trying to fix the cars I gave up. This guy was such a colossal prick, he didn't even want me watching how he went about fixing these cars. Within one month, scratch that, within one week, I learned the evils of the 'commission only' structure of automobile mechanic compensation. Now, I ask you, dear customer, if you would be comfortable with a 19 year old kid trying to fix your $40,000 car with no guidance? To me, this would be highly undesireable. I would have nothing against a young guy trying to learn a recent trade, as everyone needs to score their feet wet, but I would want an experienced tech guiding the current technician. Would the FAA be comfortable with 19 year old kids trying to fix airplanes with no guidance? Would hospitals be okay with interns performing surgery without an experienced surgeon to guide them? Then why is it okay for automobile technicians to be thrown to the wolves when they first enter the business? Peoples' lives are in the hands of automobile technicians as well, (think brakes) and I don't understand why dealership service departments throw caution to the wind when putting green technicians to work. The commission structure for automobile technicians in automobile service departments does nothing but create strife amongst technicians within dealership service department s. No one wants to help each other, jealousy is rampant, and occasionally fights fracture out. When I think of the” commission only” compensation structure for automobile technicians, I think of the show “Bridalplasty.” There truly is that much jealousy and backstabbing going on amongst the automotive technicians within dealership service departments. The fact that anyone learns anything and actually becomes a better technician in such an environment is remarkable. Those that do stick it out rarely do so without becoming embittered.
Here is how the commission only 'flat rate' system works for those that don't know:
A labor book declares how many hours a technician is paid for any particular job. For example, if the labor book says that a front brake job should pay 2 hours labor time, the technician doing the brake job gets paid for 2 hours labor time, regardless if he completed the brake job in 1 hour or 10 hours.
Consequences: Automotive technicians are always trying to work faster to 'beat' the book time. Usually we find some, lose some, and it all evens out in the end. The technician doesn't get paid until the repair is completed. In some cases, especially with current green techs, the commission only system leads to below average work, especially on driveability problems & check engine lights. (Work is not double-checked, and cars come back with further problems after repairs are attempted.) The reason for this is that the tech is only thinking about being able to put food on the table, and he must get the job finished before the raze of the pay period! So, he just releases the car and prays that it's fixed… hoping that it does not come benefit. I've often overheard customers on the service drive of dealerships complaining to service advisors and managers that they shouldn't have to bring their cars in 3 or 4 times to have a check engine light properly addressed. More times than not, the customer can thank the commissioned pay structure for their inconvenience. Rather than properly diagnose the vehicle, a part gets put on the car, the diagnostic trouble code gets cleared, and the car is released without any further quality control. The reason for this is because service departments, and of course, dealerships, are run for one purpose and one purpose only, and that is to stuff the dealership owner's pockets with money as fast as it can be made. All that blather about customer service is unprejudiced a side note.
For warranty repairs, the concept is the same. Only now, labor times for technicians are slit in half (or more) for warranty repairs. Let's take the brake job for example again, only this time, it's being covered by the manufacturer's warranty. So instead of being paid two hours labor time, the tech is only being paid one hour of labor to complete the same repair. So, the technician is forced to try even harder to beat the labor time. For tall jobs such as engine mechanical repairs, or transmission repairs, it's practically impossible to beat the labor time set forth by manufacturer's warranties. It just kills me to think about who comes up with warranty labor times…. A bunch of chimps throwing darts could approach up with more accurate and graceful labor times.
Consequences: The hurried nature of trying to make a living doing warranty repairs puts a lot of stress on the technicians. I don't know how many cars I've seen come abet with loose lug nuts or loose bolts, unplugged wire harness connections, hose clamps left undone, etc…. This doesn't mean that the tech doing the work was incompetent; he was more likely in a bustle trying to make ends meet under unrealistic warranty labor times. Several weeks in a row of working 60+ hours per week but only being paid for 20-30 hours of that labor can lead to a state of despair for technicians. A lot of guys feel that they are too deep into the business and are afraid to collect out. They are in debt to their eyeballs for the tools they had to purchase from Snap-On, Matco, or some other tool company, not to mention other obligations like car payments, house payments, etc. This state of despair over an extended period of time can lead some guys to turn to drugs or alcohol. Of course, this doesn't help matters when these same unfortunate technicians are still expected to fix the highly technologically advanced cars. Eventually what happens is that these guys make too many mistakes due to the substance abuses, and they are eventually fired. Some guys who have seen the writing on the wall, have killed themselves. Chalk up another technician swallowed up by depression and a ruthless dealership compensation system. ( At this point, it's time to hire in some bright-eyed bushy tailed tech straight out of tech school, and promise him the world. Don't worry, by the time he figures out how terrible he's being screwed, it will be too late for him to get out of the business!) So, I ask you dear customer, would you really want to have your car possibly being serviced by a possibly embittered & depressed alcoholic? Is this what you're really paying $90-$100 per labor hour for?
Like I said before, dealership service departments are open for one reason and one reason only, to extract as powerful money out of your pocket, and put it into the dealership owner's pocket. The glitzy waiting room where you watch that 60 promenade plasma screen is supposed to distract you from the wretched conditions wait on in the service department shop. Since my first service department job, I have gone from working at a slight family owned dealership with only one technician, to a service department in a large city with over forty technicians. It's all the same. Dealership owners would much rather have a bunch of young bucks working on commission for a much lower dollar per hour rate doing mediocre work, than having a bunch of experienced guys doing a big job for a higher dollar per hour rate. Quality of work is secondary to profit percentages. Either way, the dealership owner is making money, unprejudiced with having a bunch of young lower paid techs, the owner makes more. I've seen it time and time again to where experienced technicians leave a shop because it has been flooded with young guys who are working for a lot less money. The more techs a shop hires, the less work there is to go around, and therefore, less money to go around. This leads to lots of experienced guys throwing in the towel to go pursue other opportunities. (This excludes those who have not been consumed by depression and substances abuse.) After twenty or so years in the business, no competent experienced technicians should have to be taking a pay lop honest to remain employed, but it happens all the time. After seeing this happen, I began to understand why I was treated with such hostility when I was first hired as a technician. I do pride myself on having never treated other new guys with hostility, but I can understand where it was originating from.
So you can imagine where all of this chaos and employee shifting leads to for service department customers…. It leads to lack of continuity in a service department, and a lack of continuity leads to a lack of quality customer service. So if you wonder why you spy different faces every time you drop your car off at the dealership service department, now you have some idea as to why. Greed has consumed this country, and dealerships are no exception.
If all of this hasn't convinced you that you might want to find some other place to have your car serviced, assume this. Most car dealerships are not owned and operated by “car guys.” They don't have any passion for repairing cars, their only passion is profits. They don't have motor oil running in their veins, nor do they have pistons pumping in their hearts. Consequently, they're cheap. They won't repair equipment when it breaks. Their policies demoralize the technicians who are supposed to be upholding the dealership's brand by providing good service. A demoralized service staff only leads to mediocre service at best. In short, dealership owners could care less about their staff, so by extension, they don't care about you either. Do yourself a favor, and fetch a sterling independent shop to have your car repaired at. Some shops have their fraction of problems as well, but you are more likely going to be able to win some place that truly values good customer service over profit percentages.
Lastly, as my own personal grievance, it would be nice to see technicians treated on a level of respect similar to other professionals (both by society and by employers). Unfortunately, old stereotypes remain, and it seems that society (and employers) will continue to conception us all as 'dumb grease monkeys' in the forseeable future. Even though modern cars employ enough computing power to launch a rocket to the moon, yup, we're all still fair a bunch of expendable grease monkeys. As long as this stigma remains, turnover within dearlship service departments will remain high, and customer service will be mediocre at best. As for myself, I intend on throwing in the towel on the car repair profession.
Filed under Automotive Insurance Jobs by on Feb 22nd, 2011. Comment.
Many senior citizens have been real to their auto insurance companies for years, often decades. Having the same reliable insurance agent and company is comforting. But the auto insurance industry has become more competitive, actively vying for the senior citizen market. It makes sense for senior citizens to gather information to compare their current rates, especially at the time of auto insurance renewal.
Getting quotes for auto insurance is an easy process. With just a few clicks on the computer or toll-free telephone calls, anyone can gather a list that compares auto insurance by services and rates. For senior citizens, who often are on fixed incomes, this can be a very cost-effective exercise, possibly saving them hundreds of dollars during an insured period.
Finding Comparable Rates
Buying auto insurance is like any other important, long-term purchase. The key is to take time to research and shop for the best deal with reliable auto insurance companies.
The following is a sample of insurance companies and insurance brokers offering auto insurance quotes on the Internet. Many have specific marketing programs targeting senior citizens.
AARP: www.aarp.thehartford.com.
AARP is an advocacy organization for seniors that promotes the interests of people over 50 years old. They offer auto insurance to members through The Hartford.
Allstate: www.allstate.com.
Allstate is a well known insurance company. Quotes can be gathered at the above website or local agents can be found in the telephone book and are available to assist in preparing a free quote.
Farmers Insurance Group: http://www.farmersinsurance.com.
Online or in person, a Farmers insurance agent can review auto insurance coverage, help identify potential gaps, and include any qualifying Farmers Auto insurance discounts.
Progressive Insurance: www.progressive.com.
Progressive will provide a quote for their company along with comparables of other auto insurance companies for easy comparisons.
Geico Insurance: www.geico.com.
This company can be accessed online or at one of their many offices. It is easy to get a quote; they offer flexible payment options and competitive rates.
Costco: www.costco.com.
Costco offers membership insurance through Ameriprise Auto & Home Insurance.
Autoinsure: www.autoinsure.org.
Autoinsure has a page with helpful insurance information for senior citizens. They can provide quotes from all the major auto insurance companies.
Esurance: www.esurance.com.
A rising star among insurance companies that select pride in stating: “Esurance doesn’t just offer reliable insurance coverage, we also believe in educating consumers.” Their online quote process is easy to navigate.
US Insurance: www.usinsuranceonline.com
They will provide multiple auto insurance quotes tailored to specific needs within minutes of filling out their simple short form. It’s easy then to compare them side by side to find the best prices and coverage.
Car Insurance Rates: www.carinsurancerates.com
Their network of companies and brokers offer a variety of car insurances: Farmers, Allstate, AIG, Nationwide, AARP, Safeco Insurance, Liberty Mutual, MetLife and Mercury.
Every insurance rate: www.everyinsurancerate.com
EveryInsuranceCompany.com is a handy Internet directory to find local insurance companies, insurance quotes and discount insurance rates.
Quote Scout: www.quotescout.com.
This website will provide quotes from a long list of auto insurance companies – literally from “A” to “Z”.
Insurance.com: http://www.insurance.com.
Insurance.com works directly with 15 highly rated car insurance companies in 46 states: 21st Century, Electric Insurance, Esurance Auto Insurance, The Hartford, Infinity, Liberty Mutual, Meritplan Insurance, MetLife Auto Insurance, Newport Insurance, Permanent General Assurance Corporation (The General), Progressive, QBE Insurance, Safeco, Travelers Insurance, and Unitrin Direct.
Keeping Auto Insurance Rates Down
There are ways that senior citizens can occupy responsibility to control their auto insurance rates. Here are a few suggestions.
According to seniorjournal.com, most of the major auto insurance agencies provide a 5% – 10% discount to drivers beginning at the ages of 50 or 55. However, as a group, drivers 75 and older have one of the highest rates of fatal daytime accidents. Because of this, it’s necessary that senior drivers stay proactive and involved in keeping their driving skills sharp.
Many states offer an auto insurance discount for archaic drivers if a person meets a given age criteria and has taken an well-liked mature driver safety course. Local colleges and senior centers are good resources to learn about the classes. AARP has local and on-line access to the course. Costco offers its members an online drivers’ safety training course through FirstNet: www.firstnetlearning.com.
Another way to keep auto insurance rates down is to drive a low-profile car, one that as part of a group has a lower rate due to minimum repair costs, considered safer and less likely to be stolen. Check the Highway Loss Data Institute, www.iihs.org, for the latest related data.
Examine fresh auto insurance needs and requirements. Changing to higher deductibles or dropping collision or comprehensive coverage for older cars may make sense.
Always ask about discounts when purchasing or renewing auto insurance.
And finally, the best long-term advice: Always drive defensively, stay alert and follow the driving laws. Maintaining a excellent driving record is the best way to preserve auto insurance rates down.
Filed under Auto Insurance Companies by on Feb 20th, 2011. Comment.


