Moving from a small urban area to a large city in California can present a world of opportunities, but with those opportunities come the potential of higher auto insurance rates. In most heavily populated areas, the streets are congested with more motorists, automobile accidents are more common, and the level of car-related crime is considerably higher than in suburban locations. All of these details and statistics are used by insurers to rate vehicle owners, and the common characteristics of big cities frequently translate into higher coverage costs.

In the Golden State, there are unique auto insurance nondiscrimination laws that prohibit insurers from raising rates in small geographic locations while setting more reasonable rates in the surrounding area. However, location can still have a considerable impact on how much a resident pays for vehicle coverage. Companies are permitted to consider past loss experience and expenses in their rating process, which includes geographic areas that are at least 20 square miles. In areas that see greater economic loss as a result of greater population density or accident frequency, providers are permitted to charge more for car insurance.

?Red Bluff vs. Los Angeles: A Case Study

For example of how moving to a big city could affect rates, look at information pooled from the CA automobile premium survey. Regulator-provided premium data show that for a single male motorist with 9 to 15 years of driving experience, an annual mileage between 7,600 and 10,000, and no violations or accidents, the average price for standard coverage for a Honda Accord is roughly $1,400 for someone living in Red Bluff, which is located in rural Tehama County in Northern California. If the same driver were to live in the Wilshire/La Brea area of urban Los Angeles in Southern California, however, the average premium increases to over $2,400—a 71 percent jump.

The difference between Red Bluff and the Wilshire/La Brea is significant. Information provided by state and federal records ranks Red Bluff 332nd highest population in the state with just over 14,000 people as of January 2012. According to the latest census data, it has about 1,800 people per square mile. The Wilshire/La Brea area, however, is in the county with the highest population in CA (nearly 4 million people) and rests near Wilshire Blvd, part of the famous Miracle Mile and one of the busiest streets in Southern California. Los Angeles’s population density was about 4.5 times as high as Redbluff’s, at nearly 8,100 people per square mile.

Location Matters, but Driving Record Still Matters Most

Although companies in California are allowed to make rate adjustments based on geographic location, all coverage providers must have their rating plans filed and approved by the CA Department of Insurance before they can be used. Additionally, voters in 1988 adopted proposition 103, which requires all insurers to consider three mandatory primary factors before considering any secondary factors when calculating premiums. These three factors include the applicant’s driving record, annual mileage, and years of driving experience.

Where a motorist lives is actually at the bottom of the list of qualities that can affect how much someone pays for vehicle coverage, but a person’s driving record is very important. Getting the cheapest insurance in California means maintaining a clean driving record, so before moving to a heavily populated area, residents should take into consideration the increased accident potential. If a policyholder is forced to file a claim, it can negatively affect their premium for up to three years.

Source: http://www.onlineautoinsurance.com/california/

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Driving a more fuel-efficient vehicle can have a number of important benefits. Hybrid and electric-cars help their owners save fossil fuel, reduce their carbon footprint, and commute with the knowledge that they’re helping to preserve the Earth for future generations. Plus, it doesn’t hurt that driving an environmentally friendly auto can lead to significantly lower driving costs, even though they may initially appear more expensive to insure.

It’s no secret that gas prices have been steadily climbing since the invention of the automobile and show no signs of slowing down. Many of the people who purchase alternative-fuel-source vehicles do so to avoid watching their life savings disappear at the gas pump. But when they initially see insurance quotes for these vehicles, they may worry that an equal amount may be siphoned off by coverage costs.

For example, a premium analysis of 20 quotes from 10 different California insurers shows that, when comparing the cost of insuring a gas-only Toyota Camry with a hybrid version of the same model, on average motorists who own hybrids pay just over 10 percent more for vehicle coverage. This price increase is generally accredited to higher repair costs, but before writing off fuel-efficient automobiles as a cost-effective means of transportation, drivers should take discounts into consideration.

Coverage providers across the nation are beginning to offer special savings and rate reductions for insuring hybrids and other alternative-fuel vehicles. In California, for example, as of March 2012, there are at least three companies that offer insurance discounts as incentives for driving greener cars. These price reductions range from 5 to 10 percent, which could effectively nullify the increased coverage costs of having a hybrid or electric vehicle.

Driving Less: Another Way to Go Green and Save

Consumers can be environmentally friendly motorists through more ways than just owning a hybrid or electric car. Spending less time behind the wheel can help reduce a person’s carbon footprint while significantly lowering their driving costs, both at the pump and on their insurance bill.

A large portion of how much a motorist pays for protection is based on annual mileage. To an insurance company, more time spent behind the wheel translates into more opportunity to be involved in an accident, which in turn leads to higher prices.

Like any good environmentally friendly commuter, vehicle owners may want to look for ways to avoid driving. Biking to work, joining a car pool, or giving public transportation a try can all cut down on annual mileage and can lead to cheaper premiums. Motorists are encouraged ask their policy provider car insurance questions about how much they would need to cut their annual mileage to receive a rate reduction.

If a vehicle owner drives infrequently enough, they may want to consider signing up for a pay-as-you-drive insurance program that charges motorists based off of the distance that they commute. The California Environmental Defense Fund estimates that if 30 percent of CA residents took advantage of these programs, roughly 5.5 billion gallons of gas could be saved between 2009 and 2020, in addition to $40 billion in car-related expenses. Taking these steps to become an environmentally friendly motorist could lead not only to guilt-free commuting, but also to considerable savings.

Source: http://www.onlineautoinsurance.com/learn/

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As automobile technology makes leaps and bounds forward, the number of car accidents and fatalities steadily declines. And with fewer claims being filed, the need for and price of auto insurance begins to decline as well. Over time, insurers may begin to experience a considerable decrease in revenue, which impacts the industry as a whole. This is the scenario proposed by Donald Light, a senior analyst for Celent, a division of Oliver Wyman, a global consulting firm.

Light and thorough Celent research suggests that the steady decline of private and commercial auto insurance premiums (and consequently, industrywide revenue) begins with the introduction and implementation of four distinct technologies: telematics, collision avoidance, automated traffic enforcement, and robot cars. Three of these technologies have already made their way into the market and have begun improving driver safety nationwide.

Telematics is the creation and use of data regarding driver behavior that is stored in onboard devices and made available to coverage providers and other entities. This can include GPS devices, but the primary purpose of this technology has been to retrieve useful information after an accident to determine fault, and to track a motorist’s driving habits for pay-as-you-drive insurance policies. Automated traffic law enforcement, like red light cameras and speeding violation cameras, also helps to encourage safer driving. In conjunction with collision avoidance systems, cars in general are becoming significantly safer.

The final piece of technology in this scenario has only recently been introduced to the world. In 2012, autonomous automobiles—most famously, the Google Driverless Car—have begun making their way into the realm of possibility. Already Nevada is the first state to approve a license for a driverless motor vehicle. Celent suggests that if these technological trends continue at their current rate, accidents may be a thing of the past. With perfectly clean driving records, motorists in the future could easily get cheap car insurance online with minimal effort.

The Possible Decline of Car Insurance Premiums

As these four technologies become commonplace on our nation’s roads, Celent estimates that there will be a sharp decline in accidents and, consequently, insurance premiums for certain kinds of coverages. Liability and physical damage premiums are estimated to drop between 20 and 30 percent from 2013 to 2017, respectively, and between 60 and 80 percent from 2018 to 2022. For many companies, these premiums represent a major source of revenue.

For the auto insurance industry, declining revenue may mean less external investments, industrywide job loss, and the potential decline of political influence (which itself can lead to adverse legislation or regulation). Before motorists begin to panic, however, it’s important to take several things into consideration.

The scenario put forth by Donald Light and Celent is largely hypothetical. While many of these consequences are possible, the actual implementation and enforcement of the four primary technologies is dependent on many different variables.

To have a dramatic impact, state and federal government would have to pursue these technologies aggressively and find a way to financially enforce their implementation. If there is one thing that motorists across the nation can be sure of, it’s that politicians love to argue about money. Additionally, these changes (if they occur) are likely to take time, giving the insurance industry more than enough opportunity to make the necessary adjustments to avoid fiscal disaster.

Source: http://www.onlineautoinsurance.com/cheap/

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Motorists around the world are in the middle of a technological renaissance focused on keeping drivers safe while they cruise the open road. But safer cars with futuristic features means more than fewer accidents and injuries behind the wheel: It can also translate into cheaper car insurance. Producers rate applicants based on their accident risk, so if people are less likely to file a claim because of highly regulated safety features, policy prices might be lower.

State and federal government has made it a priority to ensure that all vehicle owners are as safe as possible while driving. To do this, legislation has been passed that requires all new motor vehicles to be equipped with certain safety features. For example, as of Sept. 1, 2011, all new light cars must be equipped with electronic stability controls (ESC). This feature detects and reduces loss of traction to help prevent drivers from losing control of their vehicles.

Once all light vehicles on the road are equipped with ESC systems, the National Highway Traffic Safety Administration estimates (based on extensive research) that between 156,000 and 238,000 automobile accident-related injuries could be prevented annually. In addition to having ESC systems, many modern cars also contain other advanced safety features, including lane-departure warnings, forward-collision warning, advanced air-bag systems, and many other features that can significantly reduce accident risk.

New Technology Translates into Lower Insurance Rates

A vehicle owner who is surrounded by advanced safety features is better equipped to avoid car accidents than a low-tech driver. This increased level of protection can often lead to significant auto insurance saving. Often producers will give special discounts to people who insure automobiles that are equipped with technology designed to reduce collision probability and accident damage. Cars and drivers that are well protected often translates into fewer or smaller claims that companies are obligated to pay, which are savings that producers are happy to pass on to policyholders. These technologies, however, have to be proved to statistically lower crash risks before warranting a discount.

Coverage costs may also be indirectly affected by modern safety equipment. If vehicle owners are able to avoid accidents and claims, they are also likely to maintain a clean driving record. Because policy prices are largely based on claims history, a driver who avoids accidents and moving violations is more likely to make an auto insurance quote comparison that produces inexpensive results.

Before taking off to buy an expensive new car loaded with exciting equipment, drivers should check with their insurer to see how much a specific vehicle will cost to insure. Buying a new automobile almost always results in higher coverage costs because of their increased value. Luckily, as many new safety features become standard in the marketplace, it will become more and more common to find cheaper (or slightly used) automobiles that are adequately equipped to keep drivers safe on the open road.

Source: http://www.onlineautoinsurance.com/

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Almost every state requires motorists to be insured before driving, but each state has a unique range of prices for vehicle coverage. Insurance costs are dependent on many different things, like population density, crime rate, uninsured motorist percentage, required coverages, and many other facts that are unique for every location. As a result, there are some areas in the U.S. that are more affordable than others.

The average cost of vehicle coverage is likely to change every year, but several states have consistently remained among the cheapest. Data produced by the National Association of Insurance Commissioners and made available by the Insurance Information Institute show that in 2009 the typical expenditure in North Dakota was $510, which was the lowest in the country. Trailing closely behind were South Dakota and Iowa with average expenditures of $521 and $532, respectively. In comparison with a national average of $785, insurers in these states offer considerably cheaper rates.

The areas that boast some of the highest expenditures include Washington, D.C., with an average of $1,128, New Jersey at $1,101, and Louisiana at $1,099.

When comparing these two groups, there is a distinct difference in driver density. For example, North Dakota is home to over 245,000 licensed drivers occupying over 86,000 miles of public roads. In D.C., however, there are over 189,000 licensed drivers using only 1,400 miles of public roads. That means there are only 2.84 drivers per mile of public road in North Dakota, but 13.5 drivers per mile in D.C. Consequently, the accident potential in D.C. is significantly higher than in the Peace Garden State.

Driver, Coverage Options Matter When Looking for a Cheap Policy

While the area where a person lives will have an effect on rates, policy prices are also based on individual drivers. A person who lives in a state with some of the lowest coverage costs may not necessarily be able to locate inexpensive auto insurance more easily than someone living in D.C. if they have a bad driving history, have a long daily commute, are young, or have established a poor credit history; all those factors play important parts in policy pricing.

In addition to the driver’s personal details, the details of state insurance laws also contribute to pricing differences. Comparing expenditures between states is not what’s known as an “apples-to-apples” comparison, since the minimum amount of coverage required by law varies from state to state. In Alaska, for example, drivers are required to carry a total of $125,000 in liability coverage. The total liability coverage required of drivers in Ohio, on the other hand, is $32,500. That can make a big difference in coverage costs, which should drive home the necessity for consumers to consider their coverage levels and compare costs only for the same amounts of protection.

Some states, though, are exceptions that manage to maintain low average costs while having high minimums. Both Iowa and Maine are near the top the list of inexpensive states to find auto insurance, but each of these locations requires motorists to maintain different levels of protection. In Iowa, drivers only need to maintain a total of $55,000 in liability coverage to legally drive. In Maine, however, these limits are the same as Alaska’s, $125,000. Although Iowa boasts a slightly lower average expenditure, the average motorist in Maine may be significantly more prepared for an accident for only a few extra premium dollars.

Source: http://www.onlineautoinsurance.com/affordable/

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Auto insurance companies base premiums on a policyholder’s accident risk, and not every motorist can maintain a perfect driving record. But people who have been in multiple accidents or have been convicted of several moving violations still need auto coverage to legally drive in almost every state. Unfortunately, having a higher accident potential also translates into steeper rates. As a result, getting affordable coverage as a nonstandard driver requires a fair amount of research, and possibly the assistance of state programs.

Being Labeled a High Risk Driver

When coverage providers sell an insurance policy to someone, they assume the possibility of having to pay out a claim if that person is involved in an accident. A high risk driver is someone that an insurer believes has a greater chance of being involved in an accident, or filing a claim. This is determined by carefully examining a wide range of details, including an applicant’s age, gender, location, driving record, vehicle information, and many other facts.

Getting the lowest priced car insurance for high risk drivers involves an extensive amount of shopping because most coverage providers interpret accident risk differently. Although most companies target drivers in the standard and preferred markets, there are some producers who find it profitable to insure people in the nonstandard market. Motorists can often find these companies by taking the time to shop around online, where dozens of sample rates can be viewed at once from a single website.

Helping Nonstandard Motorists Buy Insurance

People who are unable to find vehicle coverage because of their driving records can often rely on state-run placement programs to help them meet insurance requirements. These programs typically work by taking higher risk drivers and assigning them to a participating company. In many states, licensed insurers are all required to share the responsibility of insuring nonstandard drivers through these programs.

Enrolling in these programs, such as the Michigan Automobile Insurance Placement Facility, is a better and more affordable option than driving without any coverage at all. And getting vehicle coverage through a placement program is not a life sentence. Most offenses only stay on a person’s driving record for three years. Avoiding accidents and moving violations can, in time, lead to lower coverage costs.

Source: http://www.onlineautoinsurance.com/low-cost/

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People often look for ways to lower their auto insurance costs, which are a necessary expense for many. Despite what some drivers may think, buying the minimum amount of protection that is required or driving without any coverage at all are not the best ways to cut costs. Being uninsured or underinsured could lead to heavy financial loss after an accident. Instead, vehicle owners should try some of these helpful and effective ways to save money.

1. Compare Quotes Online: Not all auto insurance companies offer the same rates. Just like with almost any other product, there are some producers that claim to have the cheapest prices, some that offer the best service, and others that claim to do both. The only way to truly to get the cheapest insurance available is to shop around and compare estimates from as many sources as possible. When people use the Internet to do their shopping they can easily maximize their time. Useful online sites can produce dozens of sample rates at once.

2. Ask About Discounts: In the competitive world of vehicle coverage, insurance companies are always looking for ways to outshine their competitors. One common method is to promote unique discounts. It’s common to find reduced rates for being a good driver, good student, insuring multiple vehicles, keeping low annual mileage, packaging home and auto policies, and for insuring a car that is equipped with an antitheft device. Make sure to ask an insurer if they have any discounts that their competitors won’t offer.

3. Avoid Unnecessary Coverage: It’s good to be adequately insured, but buying too much protection can lead to unnecessary expenses. For example, many people are required to carry comprehensive and collision coverage when they buy a new car. Over time, however, this protection becomes less necessary as the car drops in value. For example, a motorist with a $1,000 deductible on a vehicle worth only $2,000 might not benefit very much from this coverage because the amount received from their insurer if the car is totaled might not be worth the increased premium.

4. Choose the Right Payment Plan: Many people choose to use a payment plan when they purchase auto insurance. Insurers will usually allow policyholders to make payments monthly, quarterly, every six months, or to just pay for their policy in full. Although making monthly installments means smaller bills, companies will often include billing and processing fees. Data from Massachusetts regulators show installment fees there can range from $1 to $8, depending on the insurer and whether the payment is processed electronically. While that may not seem like much, over time a vehicle owner could end up paying a lot more money for their plan this way. To cut costs, drivers are urged to consider making fewer installments.

5. Keep a Good Driving Record: One of the most important ways to avoid expensive vehicle coverage is to maintain a clean driving record. Being involved in an accident, filing a claim, or being convicted of a moving violation can quickly lead to surcharges and higher premiums.

Source: http://www.onlineautoinsurance.com/cheap/

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When people shop for vehicle coverage, they shouldn’t overlook the potential savings that can come from maximizing insurance discounts. Policy providers often look for ways to stay relevant in a competitive market, and one of the more common ways to do this involves advertising unique ways that policyholders can cut costs. Motorists can usually get reduced premiums for a number of reasons, so to get the best combination of special offers, drivers should shop around online and thoroughly explore all of their options.

Drivers can usually get discount car insurance by shopping around for the most affordable rates and then contacting several potential insurers directly to see what they can offer. To do this effectively, vehicle owners should go online, where dozens of estimates can be viewed at once. While shopping, people may be surprised to find out that there are countless savings available and that not all insurers offer the same combination of discounts.

It is common for motorists to find cheaper premiums for maintaining a good driving record for over three years, insuring multiple vehicles on the same policy, or for driving a car that is equipped with a security system. However, there are also many other reasons for a coverage provider to offer savings.

Unique Discounts for Auto Insurance

In some cases, vehicle owners may be able to have their insurance costs reduced for belonging to a specific club or organization. Students or policyholders with kids of legal driving age who are in college may be able to save by maintaining a 3.0 GPA or higher. Keeping a low annual mileage or belonging to a car pool may also be reasons to qualify for savings. A select few companies may also provide a premium reduction of up to 10 percent for driving an alternative fuel vehicle or a hybrid/electric vehicle.

To help reduce the number of accidents and promote safer driving, many states have passed laws requiring companies to provide premium reductions for specific reasons. For example, the Montana Commissioner of Securities and Insurance reminds residents 55 years of age and older that they can receive discounted premiums for completing one of the many highway traffic safety programs that are available throughout the state. Similar programs are available in other locations as well, and are generally targeted toward teenagers and older motorists.

Over time, the number and of type of discounts that are available are likely to change. For drivers to ensure that they continue to receive the lowest rates available, they should periodically check with their insurer to learn about new opportunities, and occasionally shop around for less expensive alternatives.

Source: http://www.onlineautoinsurance.com/discounts/

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Car insurance is a legal requirement for almost every vehicle owner because it ensures that drivers will be able to pay for damages they cause to another person or their property. Being uninsured could amount to serious financial loss after an accident, and could lead to a wide range of fines and other penalties. To ensure that motorists are adequately protected, most states require vehicle owners to carry proof that sufficient coverage has been purchased.

In order to get proof of insurance a motorist must first have car coverage in place. After shopping around and making a purchase, policyholders should receive the necessary documentation. This evidence can come in several forms depending on where the insured driver lives. In California, for example, this can include a document or policy identification card, a letter of authorization from the DMV identifying a cash depositor, or an SR-22. Most people, however, will be given a card that lists specific information about the purchased plan.

An insurance identification card includes very specific information, and should be kept within the insured automobile at all times. These cards should include the name(s) of the insured, the name of the coverage provider, the policy number, the policy activation and expiration dates, vehicle identification number, as well as the make and model of the insured automobile.

Consequences for No Car Insurance Proof

Despite strict coverage requirements, uninsured drivers have become a big problem in several states. For example, the Insurance Research Council estimates that in 2009 roughly 26 percent of motorists in New Mexico were driving without adequate protection. In Mississippi, this amount was as high as 28 percent. To help decrease these numbers, many states have adopted harsh punishments for offending drivers, and have begun relying on online databases that make it easier to identify uninsured residents.

The fines for driving without adequate protection vary depending on the state. In Washington, for example, offending motorists could receive a fine of at least $450. However, the Maryland Department of Transportation has adopted penalties that include the loss of license plates and vehicle registration, a fine of at least $150 and up to $2,500, and a restoration fee of $25.

Several states, including New Mexico, Texas, and Arkansas have begun using electronic verification programs that help local authorities quickly identify uninsured motorists. With these systems, coverage providers are required to inform state officials when a resident has purchased or canceled a policy. Drivers can easily avoid many of these consequences by taking the time to shop around for an adequately priced plan that meets their state car insurance requirements.

Source: http://www.onlineautoinsurance.com/proof/

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The price of automobile insurance in Michigan differs significantly between insurers because different companies have different underwriting and rating guidelines. All vehicle owners in the Great Lakes State need to be adequately insured to legally drive, but most residents have the advantage of being able to shop around for the cheapest prices available. Under MI law, all insurers within the state must accept applicants at regular rates unless they fail to meet specific requirements, but unique pricing methods still make some companies cheaper than others.

Shopping around and comparing quotes can help drivers find inexpensive protection. While insurers in MI are no longer allowed to rate motorists based on their gender or marital status, there are still many different details that can impact policy prices. For example, a person’s driving record, location, and credit rating are among the details that can affect coverage costs. Because each of these details is likely to be unique for individual residents, each motorist needs to complete his or her own research.

Residents looking for the cheapest car insurance in Michigan must compare quotes, and one of the more efficient ways to evaluate sample rates from several different companies involves using online resources. Tools on the Internet can provide vehicle owners with a list of sample rates, giving them the opportunity to identify an adequately priced producer.

Methods for Getting Cheaper MI Auto Insurance

The no-fault system that was adopted in 1973 requires Michigan motorists to carry personal injury protection (PIP), property protection, and residual liability insurance to legally drive. Although higher levels of coverage are available, and are frequently encouraged, people who choose to carry only the minimum amount of required protection may still be able to lower their rates. To help save money, drivers can often choose to adopt a PIP deductible or raise their current deductible. This is the amount of money that the policyholder agrees to contribute when a claim is filed before coverage actually kicks in.

Michigan also has required discounts that many residents can take advantage of. Motorists who are 65 and older are entitled to a premium reduction if they drive less than 3,000 miles per year. Additionally, any drivers 60 and over must be offered the option to waive their work loss insurance, which is typically covered by their PIP, if they do not earn any income from work. However, this protection cannot be entirely removed from a policy because it still applies to others who may be in the policyholder’s vehicle.

Additionally, the MI Office of Financial and Insurance Regulation encourages residents to research additional discounts that can help cut coverage costs. Often, drivers can get reduced rates for insuring a car that is equipped with antilock brakes, an anti-theft device, or other special safety features. Shopping around and exploring the many different ways that residents can find cheaper protection can lead to significant savings for motorists in the Great Lakes State.

Source: http://www.onlineautoinsurance.com/michigan/

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