Free Auto Insurance Quotes One Quick FormOne Quick Form
Welcome to TheAnswerPlan Automobile Insurance Quote Request Form. We are a free consumer referral service helping consumers to find the most competitive insurance rates on the market. When you fill out our short quote request form, we match you with insurance professionals from your area. With multiple agents vying for your business, you can pick the policy that fits your needs and budget. Comparison shopping has never been so easy.TheAnswerPlan Start Free Auto Insurance Quote
We're Your Affordable Auto Insurance Connection!
The Answerplan, powered by InsureMe, knows how frustrating high prices can be. That’s why we work together to help you locate and lock in the best auto insurance deals around.
When you submit your information to The Answerplan, we secure you multiple free car insurance quotes from local insurers quickly and easily—so you can move on to other things!
Aim for Success!
To target low insurance prices, we’ve even put together some helpful tips and tricks for getting the most affordable car insurance policy. For the best deals:
- Maintain a good driving record
- Inquire about discounts
- Keep deductibles as high as you can afford
- Buy multiple policies with the same insurance company
- Maintain a good credit history
The Answerplan and InsureMe make one powerful combination for low-price auto insurance. Contact us today, and take advantage of our knowledge and expertise in the auto insurance marketplace.
Get what you need—fast, easy & free!
We all understand the toll soaring prices take on our wallets. But you don’t have to shell out never-ending streams of money on car insurance. Fill out our quote box and let The Answerplan show you how easy getting cheap car insurance can be—for free.
We won't let you down!
Where to start?Shop Around - when shopping for auto insurance it is very important to compare prices from a large selection of insurance companies. Prices may vary dramatically for the same coverage, since each company has different loss experience and targeting certain types of customers.
Important Note - Completing forms and comparing prices with hundreds of insurance companies one by one is ineffective, frustrating and time consuming experience. Getting multiple quotes by filling out one form using comparison site is more efficient way to compare quotes.
Important Tip - QuotesAuction.com is the ideal way to shop for auto insurance. Unlike other comparison sites, who simply refer you to multiple agents, QuotesAuction.com actually refers your personal information only to agent/s who represent auto insurance companies showing best preliminary result, using preliminary onsite rating results. Just fill-out one, quick and easy to use, intuitive form in less than one minute it will scan the market rates to find three best indications from hundreds of insurance companies.
Reduce coverage for older vehicles. Collision and/or comprehensive coverages on older cars may not be cost effective. Why pay for the coverage more than it worth, especially after you pay the deductibles. Check value of your vehicle using Kelly Blue Book on-line for vehicle value before investing in comprehensive/collision coverage. If you are not reach, you may not need Liability limits higher than what is required by your State financial responsibility laws, unless vehicle is leased and your lien holder requests higher limits of liability.
Consider dropping uninsured motorist coverage if you must reduce insurance premium further. This coverage is not required by state laws or lien holders. If you have comprehensive and collision coverage and medical insurance, the need for Uninsured Motorist coverage is questionable, especially if your insurance company will not pay for hit and run accidents under Uninsured Motorist coverage. Consult your insurance professional for more information regarding company's policy.
Please review definitions of each coverage:
Insurance companies may give discounts for the following:
- Multi car discount
- Good driver discount
- Drivers over 50-55 years of age
- Driver training course
- Defensive driving course
- Anti-theft device
- Low annual mileage
- Air bags
- Anti-lock brakes
- Daytime running lights
- Student drivers with good grades
- Auto and homeowners coverage with the same company
- College students away from home
- Long-time customer
- Other discounts
*The discounts listed may not be available in all states or from all insurance companies.
Remember! More important factor is the overall price of the policy, not how many discounts you get. A company that offers fewer discounts may still have a lower overall premium.
Choosing the right insurance company
There are THREE major consideration in choosing insurance company: PRICE, FINANCIAL STABILITY and SERVICE.
Price - The key to finding best price in comparative shopping. Internet site that offer comparative quotes. There a number of sites that offer a free comparative quotes from number of carriers in your state, by filling out one quote, however your best bet is QuotesAuction.com. The difference is that QuotesAuction.com actually pre-screens the rates of most insurance companies in your state using information you have provided and referrers your contact information to three agents representing companies showing best preliminary results. It literally place your business for auction, forcing INSURANCE COMPANIES COMPETE FOR YOUR BUSINESS.
Financial Stability - There are several sources that rates the insurers financial performance. Bellow are three most prominent sources:
A.M. Best Company, Inc.
Ambest Rd.
Oldwick, NJ 08858
908-439-2200
http://www.ambest.com
Moody’s Investor Services
99 Church Street
New York, NY 10007
212-553-0300
http://www.moodys.com
Standard & Poor’s Insurance Ratings Services
55 Water Street
New York, NY 10004
212-438-2000
http://www.standardandpoor.com
Auto insurance protects you against any damages that your auto causes or suffers. There are many types of car insurance coverage that you can buy. Bodily injury, collision, property damage – how will you know what kinds of insurance to get for your auto? We’ll break down the main auto coverage options in this brief guide and offer a few good tips to help you get the best automobile insurance possible.
Here are the six major types of car insurance coverage:Bodily injury liability – Covers injuries that your car causes to another person.
Personal injury protection - Covers the medical treatment of anyone in your auto.
Property damage liability - Covers damage to the property of another person.
Collision – Covers damage to your car resulting from a collision with another vehicle.
Comprehensive – Covers damage to your car that does not involve collision with another automobile. This includes theft, fire, natural disasters and other causes. Uninsured motorist – Covers damages from accidents involving a hit-and-run driver or an uninsured driver. In exchange for insurance coverage, you pay a premium that will be or low or high depending on your deductibles. In the event of a loss to your car or damages caused by your vehicle, you agree to pay for the damages yourself up to the deductible amount. In return, the insurance provider agrees to pay for any costs beyond the deductible. You should set your deductibles as high as you can so that the insurance premium will be lower. Your auto premium will fluctuate over time, but is usually fixed for a six-month period. If your car is new or expensive, you will generally need to pay more for insurance. As you age and establish a safe driving record, your premiums will go down. The more your drive your car, the higher your insurance premiums will be. As you look for insurance, you should compare quotes from at least three to five different companies. You can do this easily over the Web by visiting insurance provider websites and submitting an online quote request. If you don’t trust the Web enough, get the company’s phone number and call directly for a quote. 21st Century Insurance Company states "Our new customers report average savings of $200 on car insurance!" Click here! Compare instant quotes from top companies at Insurance.com. You could save up to $600 or more* today! Get Quotes.
How Much Car Insurance Should I Carry?
We hear from many people asking for advice about how much car insurance to carry. Most states require auto insurance, but there’s a grave disparity between what they require and what you should carry.
So if you find yourself asking how much car insurance should I carry then definitely consider broadening your coverage beyond the required minimum.
Our advice about how much car insurance to carry is this: plan for the worst. What are the most people you can possibly carry in your car? How much did your car cost?
If you’re in an accident that’s your fault and every passenger in your car is injured… well, you can see that the damages could add up very quickly. Most insurance professionals recommend anywhere from 100k to 300k liability limits.
How much car insurance should you carry is a function of what assets you have to protect. If you make $30,000 a year and rent your apartment, $50,000/$100,000 should suffice. But if you make more than $75,000 a year, own a house worth $150,000 and have $40,000 in mutual funds, you should consider at least $100,000/$300,000 of coverage.
How much you'll pay to increase your bodily injury liability coverage depends on several factors, including your age, marital status and driving record. It also depends on where you live. For example, in rural Cortland County, New York, a 35-year old married male would pay an average of $86 annually to boost his coverage from $25,000/$50,000 to $100,000/$300,000, according to the New York State Department of Insurance. In New York City, however, where the frequency of bodily injury is much higher, that same man would have to shell out an average of $240 more a year.
Also consider your driving style—are you a defensive driver or an aggressive driver? How often do you drive and when?
Determine what you think the outside of your liability in an accident would be and get as close to that as you can afford.