15 years new yorker w/ out a car. Now moved to FL and my insruance rates are very high. Any way to lower the bill?

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I am paying around $400 a month for insurance only. Progressive are saying this rate will only change after a year of having a track record. I am almost 6 months in and the high rate is killing me.

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Any way to lower the bill?

Never had any accidents before.

Thank you

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AAA will boost Tesla’s insurance rates by about 30%

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AAA plans to boost insurance rates on Tesla electric vehicles by about 30 percent. AAA, which is citing data from the Highway Loss Data Institute for its decision, says drivers of Tesla Model S and Model X vehicles make about 45 percent more claims than other larger luxury vehicles, Automotive News says. Meanwhile, costs related to such repairs are about twice as much as similar, more conventional vehicles.

This primary issue is that Tesla, and the claims history of its drivers, is being compared against other “large luxury” vehicles, which by nature tend to be involved in a higher-than-average number of accidents and cost more to fix. The BMW 5 series, the Audi A6, and the Volvo XC70 are among other models within this group. There’s been no word on whether other large insurance groups are planning similar premium price hikes with the Tesla.

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The insurance issue is relevant as Tesla prepares to start deliveries of its more moderately priced Model 3 to the US public. The Model 3 will sell for less than half of the approximately $100,000 typically paid for new Model S sedans and Model X SUVs once all of the goodies are factored in. Not that those drivers won’t be able to get their fun on: a recently leaked spec sheet revealed that the Model 3 will be able to scoot from 0 to 60 miles per hour in a tidy 5.6 seconds.

Tesla, in a statement to Automotive News, says AAA’s analysis is “flawed.” The California-based automaker is also arguing that insurance companies aren’t properly factoring in the safety-enhancing impact of Tesla’s Autopilot features, while also noting that Tesla drivers have lower rates of injury than other vehicles.

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How to Lower Insurance Car Rates for a Teenage Boy : Auto Insurance

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U.S. auto tariffs could raise insurance rates, drive up auto thefts

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WASHINGTON — A threat by the U.S. government to impose tariffs of up to 25 percent on imported auto parts could hit consumers in unexpected ways: higher repair costs, insurance premiums and even the theft of more cars for their parts, the industry said.

U.S. President Donald Trump’s administration has launched an investigation into whether auto imports pose a national security threat and threatened to slap the tariffs on cars from the European Union and elsewhere.

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A coalition of auto insurance groups said in previously unreported comments that hiking tariffs on imported auto parts by 25 percent could increase costs by 2.7 percent, or $3.4 billion annually, for personal auto insurance premiums.

The U.S. Commerce Department is holding its one-day hearing about the matter on Thursday.

Consumers will bear virtually all the higher repair costs, said the American Insurance Association, National Association of Mutual Insurance Companies and Property Casualty Insurers Association of America in comments jointly submitted to the Commerce Department.

“The imposition of tariffs could likely lead to the filing of hundreds, if not thousands, of requests for rate increases by insurers with insurance regulators across all 50 states,” the groups said.

Insurers said they might not be able to quickly get replacement parts for policyholders, “resulting in delays and increased costs.”

“Motor vehicle theft rates could well rise, as many stolen vehicles are sold for their parts,” the groups added.

A Commerce Department spokesman did not comment Wednesday on the industry statements, but said the agency would send a report to the White House after “collecting all the facts, and completing a careful analysis.”

“While we aim to complete the investigation and report to the President within a couple months, no proposal for action has yet been made,” the department said.

In separate comments to the Commerce Department, the Auto Care Association, which represents 150,000 manufacturers, distributors and sellers of motor vehicle parts and related goods, that its economic study estimated that the cost of car ownership would increase by more than $700 per year per household should the tariffs be imposed.

Top executives of Michelin North America, Cooper Tire & Rubber, Sumitomo Rubber Industries said in a joint letter to the Commerce Department that rising costs for auto parts makes consumers “wait longer before making a new car purchase or maintaining the safety of their vehicle.”

“We are concerned that consumers waiting longer to replace their tires will result in increased traffic accidents and fatalities,” they said.

Kristin Dziczek, an economist at the Center for Automotive Research, said the tariffs will boost maintenance costs, since many parts regularly used for vehicles largely made overseas like air filters and water pumps.

“The costs of maintaining a car is going to go up as is fixing or insuring it,” Dziczek said. “But those costs are not going to go up as much as buying a new car” with added tariff costs.

Separately, a coalition of seven auto industry trade groups representing nearly every major automaker, auto dealers and parts companies said in a letter to Trump on Tuesday that the tariffs will be a “massive tax” on consumers, leading to “increasing vehicle service and repair costs that may result in consumers delaying critical vehicle maintenance.”

Reporting by David Shepardson

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AIG Auto Insurance – Get The Cheapest Auto Insurance Rates

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State Farm Auto Insurance Car Rental Policy – Find Rates!

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Insurance for Rental Cars

Traveling is stressful enough. From security checks to flight delays to baggage claim, travelers have plenty to think about without worrying if they need rental car insurance. But rental car companies are quick to offer coverage for just a few dollars a day – a small price to pay for peace of mind – but is it right for you, or just another source of revenue for them?

State Farm® is here to help!

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Or call 844-242-1899 for a quote.

Do You Need Rental Car Insurance?

Chances are, if you already have State Farm car insurance with collision and comprehensive coverage, it’ll carry over to your rental car. But what’s covered and how much depends on your specific policy and several other factors.

For most people traveling for personal reasons, paying extra for coverage from a car rental company is probably a waste of money. But there are a few situations when you should consider it:

  • Your personal car insurance has a very high deductible, doesn’t include adequate collision or comprehensive coverage, or doesn’t cover rental cars (some don’t).
  • You have no other source of coverage. For example, if you don’t own a car and therefore have no personal car insurance policy, and you’re not using a credit card that offers rental car coverage.
  • When an accident might cause your insurance rates to go up or lead to cancellation.
  • You’re traveling for business, and your personal insurance policy won’t cover you.
  • You’re traveling in another country and the insurance agreement or local laws prevent you from leaving until you’ve fully paid for any damages that might occur.

Credit Card Coverage for Car Rentals

Many credit card companies offer rental car insurance as a perk. Contact your card issuing company to learn if they provide this car insurance coverage, how much, and what limitations there may be. There is no reason to pay extra for coverage if it is already provided.

Loss Damage Waiver (LDW)

At the rental car office, you’re likely to encounter certain insurance-related terms. “LDW” stands for Loss Damage Waiver, and it limits the amount you’d be responsible for if your rental vehicle is damaged or stolen. “CDW” is similar, but it only covers losses caused by collisions.

While these options are usually referred to as “insurance,” they’re really “waivers” since the rental car company is waiving its right to hold you accountable for certain types of loss.

You may also be offered “PEC” (Personal Effects Coverage) which covers personal effects, or “PAI” (Personal Accident Insurance) which covers personal injuries while renting a vehicle.

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Does Working as a Pizza Delivery Person Affect Your Auto Insurance Rates?

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If you are working as a delivery person, you may not realize that regular auto insurance does not cover you while you are on the job. Here is some information you should know about auto insurance if you are looking into working as a pizza delivery driver, or as a driver for any other type of food delivery service.

The Working For Hire Exclusion


The majority of personal auto insurance policies have an exclusion in them if you are using the car for commercial purposes. This includes working for hire, such as using your car to deliver newspapers, pizzas or for a ride sharing service. If you are in an accident while engaging in one of these services, your policy may exclude the accident because you were engaged in activity that is not covered.

Commercial Driving Insurance

If you are working as a pizza delivery man, or engaging in any other type of business that requires you to drive your vehicle, you will need to get a commercial driving insurance policy for when you use your car for work and a personal insurance auto policy for when you are using your vehicle for personal use. This helps to ensure you are covered at all times when you are driving your vehicle.

Anytime you drive for work, including as a pizza delivery person, your auto insurance needs may change. Give Ty Lawrence Insurance Agency, serving the Austin, TX area, a call if you drive for work. We can ensure your auto insurance policy covers you while you are driving for work and offers the protection you need. Swing by our office or call us to obtain more information or to start pricing out a policy.

The Truth About Car Insurance Rates

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Car insurance rates. The Truth About Car Insurance Rates, FYI and car review with Scotty Kilmer. How to get cheap car insurance. How to lower insurance.

Buyer’s Remorse: Will Your New Vehicle Impact Your Rates?

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I am currently searching the market for a new vehicle. My trusty Pontiac G6 has treated me well, but I think it may be time for an upgrade. Let’s just say, it has had one too many run-ins with the local wildlife. When buying a new car, we take a lot of things into consideration. The overall appearance, gas efficiency, seating capacity, and extra options like heated seats or built-in GPS are all factors that we take into account. But do you ever consider how certain vehicles will impact your insurance premiums?

As I was researching vehicles and narrowing down the best options, I discovered an article on Insure.com that said the average annual cost of car insurance is around $1,605. After calculating the yearly average cost, they conduct an annual study to determine which vehicles have insurance costs that fall below and above the average.

The vehicle with the lowest average annual premium last year was the Honda Odyssey LX, followed closely by the Jeep Renegade Sport. In fact, several models of Jeeps made the list, most likely due to their low repair costs and safety features. Several Hondas and Fords made the list as well.

As you would expect, the more luxurious cars are the most expensive to insure. New model Mercedes, Audis, and BMWs can be found on the list, with the most expensive being the Mercedes S65 AMG Convertible. According to the article, these vehicles tend to be more expensive to insure because they cost more to repair in the event of an accident, and they tend to be driven more aggressively due to the higher horsepower. The annual premium for these types of vehicles can cost up to four times the amount of that of a car on the “cheap” list.

I think the Notorious B.I.G said it best when he said, “Mo’ money, mo’ problems.” When choosing my new car, I’m definitely going to keep this list in mind. For details on your personal auto policy, contact your independent agent.

Watch “Insurance 101: What Determines the Cost of Auto Insurance?” to learn more about the factors considered to calculate the price of your auto insurance.

Insure.com’s 2017 Most and Least Expensive Vehicles to Insure. Matt Vallet. June 15, 2017. https://www.insure.com/car-insurance/insurance-rates-by-car.html

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Easy Ways to Compare Insurance Rates by State

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Insurance is basically a contract in which two parties are involved: the insurerand the insured. An insurance companyserves as the insurer and receives an advance premium from an insured individual for health, property, or his automobile. The insurer protects the insured in case of any unforeseen event which causes loss to the insured person; the insured is entitled to recover the loss from insurer. It’s necessary to compare insurance ratesavailable before you start your selection process.

For the selection of insurancecompanies, there are different features to be compared. Currently there are thousands of companies which are working in both the US and European markets and offer cheap and high quality plans. Compare insurance ratesand services to find the best one for you.

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The internet has been completely furnished with all sorts of daily applications. Use of online insurance quotes and insurance calculators has made the job easy for you to compare insurance rates. Some websites are also offering the web insurance estimator to calculate the value of your vehicle and compare insurance ratesbased on your requirements. Whether you are looking for premium quality auto insurance, or any other insurance coverage, searching for cheap insurance companies, or simply want to get free quotes, you will find the web as best place to learn about how to compare insurance rates and features along with which insurance package to select.

How to Compare Insurance Rates by Car?

Once you’re ready to purchase insurance coverage for health, property protection, family, or auto insurance, you will need to compare insurance rates and learn about the best insurance companies which are working to provide you the best quality services. Before searching for bargaining over insurance coverage rates, don’t forget cutting costs is not the only option to find cheap insurance. Many companies offer bundled insurance policieswith very cheap rates, especially if you are already a member or policy holder. You can receive up to a ten percent discount if you already have health, property, or any other type of insurance policy with the same company. AAA auto insurance, Liverpool insurance and AA Insurance UK are offering the best bundled rates currently.

Compare Insurance Rates: Premium Services

Most European insurance companies, which have been in business more than fifty years, are offering premium services at high prices; they also offer estimator applications to compare insurance rates. According to many reviews and updates, insurance rates have substantially increased over the last few years, although the entrance of many new companies has decreased rates. If you decide to compare insurance rates, you will find the cost for insurance premiums varies with many individual factors like drivers risk level, driving history, accidents history, and collisions.

You can compare insurance rates of top companies and make sure you are getting the best value for your money. Just start your research and compare the many features. Remember that analysis when you compare insurance rates and you will save a lot of time and money in the future.