How to get cut-rate car insurance rates

Even better news is that many motorists can cut their premiums further by picking the right vehicle, shopping around for the best rates and taking advantage of every possible discount program the industry has to offer.
For starters, it pays to choose a make and model that costs inherently less to insure in the first place. The quickest and costliest sports cars generally command the highest premiums, with minivans, SUVs and passenger sedans generally being the cheapest to insure. Still, there can be significant differences within given classes of cars, depending on their claims histories and other factors.
Usually, the biggest differences in insurance costs between models will come with collision and comprehensive coverage (for physical damage to the vehicle and theft) and medical payments premiums (for injuries to the driver and passengers). Typically, liability coverage isn’t affected by a policyholder’s car choice, although owners of high-performance sports cars could be charged higher rates in this regard on the assumption that they intend to drive them in the aggressive manner for which they were designed. What’s more, drivers of the largest SUVs, like the massive Hummer H2, might pay somewhat higher liability rates because their vehicles inflict more damage to others in collisions.
Insurance giant State Farm provides ratings for damage and theft indexes, vehicle safety discounts and liability rating indexes on its Web site (Statefarm.com), which can be used to help pick a car that costs less to cover.
Besides identifying a lower overall rate, many motorists can reduce their insurance premiums even further by tweaking a policy’s coverage and/or deductibles. The larger a deductible is, the smaller the premium for specific coverage will be. Most drivers can afford to have a $200 deductible on comprehensive and collision damage, but taking a $500 deductible could save from 15% to 30% on this coverage. Those driving an older model that would cost more to repair than replace could extend their savings by as much as 40% by canceling their comprehensive and collision coverage altogether.
Dropping medical payments coverage (it’s redundant for families with conventional health insurance) rental reimbursement (especially for those owning multiple cars that can be called into service if one gets into an accident) and towing coverage (unnecessary for those having a new-car roadside assistance plan or who belong to an auto club) can likewise save money.
Also, insure more than one vehicle on the same policy. This is the insurance industry’s version of a “volume” discount. Rate reductions among most companies range from 10% to 25%. Likewise, consolidate insurance policies – larger companies will cut auto premiums by around 15% if they also carry a family’s homeowner’s policy.
Savvy insurance shoppers can qualify for additional rate reductions by driving fewer miles per year, keeping a vehicle in a garage, car-pooling, attending driver training school, installing aftermarket anti-theft devices and so on. Senior citizens usually get a break on policy costs, as do students who boast a “B” average or better.


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Leading Mexican Auto Insurance Quote Provider Adds Two New Carriers

a leading provider of quotes for Mexican auto insurance, announces the addition of two new carriers. The addition of Genworth Seguros and ACE Seguros will allow BestMex to provide more complete coverage options to individuals interested in purchasing auto insurance for Mexico.

The addition of ACE Seguros to the list of available carriers allows motorcycle drivers traveling to Mexico the option to obtain physical damage coverage. The Mexican insurance package offered by ACE Seguros will cover both collision damage as well as total theft for motorcycle drivers crossing the border into Mexico.

  We can give families peace of mind by offering assistance packages, and now we can even give individual motorcycle drivers confidence that their vehicle is completely protected both from damage and theft as they travel south of the border.  Genworth Seguros brings unrivaled assistance coverage to Mexican auto insurance policies. Genworth's insurance offerings include options to receive air emergency transportation, medical assistance, trip interruption coverage, roadside assistance, 24/7 assistance hotline and case monitoring, as well as legal assistance and bail bonds.
Both Genworth Seguros and ACE Seguros offer an adjuster on the U.S. side of the border to help wrap up your claim, in case the original claim is not fully resolved in Mexico. BestMex is always looking to provide the most complete coverage to individuals traveling both northbound and southbound between the U.S. and Mexico. By adding new carriers with unique coverage options, vacation travelers and long term visitors alike can receive the coverage they need at a price they can afford.

"We are excited about the addition of our new carriers," stated J D Dawson of BestMex. "The new carriers offer BestMex a unique opportunity to provide specialized insurance packages for those traveling to Mexico, no matter what their needs are." "We can give families peace of mind by offering assistance packages, and now we can even give individual motorcycle drivers confidence that their vehicle is completely protected both from damage and theft as they travel south of the border."


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