For insurance quotes and any insurance questions and answers, visit http://www.LicensedBroker.com/

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Get insurance quotes for your car, and visit our blog to see the questions everyday people ask
when they face difficult situations in their life with their vehicles and insurance policies. For this
and more visit:
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Hi Folks, my name is Cesar Diaz, I am an auto insurance broker in the state of California. I
Operate two auto insurance agencies in California and an auto insurance website serving all
United States. I have many years of experience as an auto insurance agent and broker and
through the years, I have figured out all ways to save money on your auto insurance.
I have decided to share my secrets to saving money on your auto insurance because I don't
believe that it's fair for people to pay more money for their auto insurance just because they don't
know that they're eligible for a certain discount or maybe because they don't know a certain
discount even exists!
I hope I don't get in trouble for sharing all my secrets but I feel it's only fair. (Maybe not for
insurance companies but for the general public.) Insurance companies have enough money
anyway! I believe insurance companies are among the wealthiest companies in the world. Why
do you think that is? Thats because they rake in those expensive premiums that you pay for your
auto insurance.
Well, here are my secrets revealed; You might want to take some notes or even print this out that
way the next time you obtain an auto insurance quote, you can reference this article and make
sure you get all your available discounts.
First of all, most companies will ask for basic information for the purpose of obtaining your auto
insurance quote such as name, gender, date of birth, marital status, zip code, whether you have
current or prior auto insurance, how long have you been licensed (driving experience), driving
record history (tickets and accidents), commute distance to work and annual mileage, occupation
and type of use (personal or commercial), make and model of vehicle, alarms and equipment on
vehicle, and coverage desired.
When people obtain auto insurance quotes, they just answer the questions being asked by the
representatives, but have no idea why the questions are being asked. What does being single or
married have to do with getting an auto insurance quote? Well, all questions being asked will
affect your rate. I am going to explain why all those questions effect your rate and I am going to
tell you what answers will give you the best rate.
I am simply going to tell you what answers will give you the best rates; however, I do not suggest
giving false information when obtaining a quote. It is important to give accurate answers but at the
same time, it is important to know what answers will give you the best rates because if you don't
currently fall into the "low rate" categories, you might in the future and since you know, you will

2. want to contact your insurance company to inform them of any changes that will help you save
money.
I am going to go step by step explaining each question asked by insurance agents and I will
explain what answers give lowest rates.
1. Gender- Most insurance companies offer cheaper rates for females due to statistics. Less
accidents have resulted from females vs males. Could it be because most of the time, if a couple
is in a vehicle, the male will usually drive? Could it be because a housewife will not have the usual
commute a husband would have driving back and forth to work every day?
2. Date of Birth- Roughly, the early ages will generate a higher cost for insurance. Rates will
lower as a driver matures; however, rates increase again as a driver reaches the later years such
as 60's and up.
3. Marital Status- Generally, a married driver will have a cheaper rate than a single driver. This,
again, is due to statistics. Single drivers have a higher loss percentage. Could this be because a
married couple have drive less than a single, more active driver? Some insurance companies will
allow you to receive the married rate if you live with your "significant other" under common law
marriage or they may give you the married rate if you are a single parent. Be sure to ask if you fall
under any other the above categories. If you purchase your policy when you are single and get
married midterm, be sure to contact your insurance company to get your "married rate".
4. Zip Code- Zip codes do affect your rates. This again is based on statistics of a particular city.
Some cities may be congested with traffic and may have more accidents than others. Some cities
may have more theft than others, etc. In general, the more a city is congested, the higher the
rates are.
5. Current or Prior Insurance- Some insurance companies will give you a discount if you have
current insurance or have had an insurance policy recently cancel within the past 30 days. If you
have had an insurance policy within the last 30 days, be sure to inform your insurance agent
because most agents will not ask you unless you tell them.
6. Driving Experience- The length of time you have been licensed is an important factor in
determining a rate. There longer you've had your license, the cheaper your rate. If you have had
a license in another state, be sure to include that in your driving experience. Even if you were
licensed in another country, it can be used to add to your driving experience although proof may
be required.
7. Tickets and Accidents- Of course tickets and accidents affect your rate; however, tickets will not
affect you until the violation is published on your driving record. Usually not until you go to traffic
court or pay your violation. If you purchase your insurance policy before you go to court or pay
your violation, it may not affect your rate until you renew your policy. (usually one year) As far as
accidents go, there are three ways to rate an accident: At fault with injury, at fault with no injury,
and not at fault. They all produce different rates in the order listed from highest to cheapest. If
you were at fault, but there was less that $750.00 of damage, you may be able to list it as non-fault
so be sure to let them know.

3. 10. Commute distance to work and annual mileage- There farther you drive to work, the more
expensive your auto insurance may be. If you carpool or use alternative methods of commuting to
work such as a work vehicle or you take a bus, be sure to inform your agent because this will help
lower your rates.
11. Occupation and vehicle use- Occupation will affect your rate. Some occupations are even
unacceptable by insurance companies. One such occupation is pizza delivery. Since most pizza
delivery drivers are on a time restraint, insurance companies see it as a high risk occupation and
will decline coverage. Some occupations will be acceptable but may classify your vehicle use as
"commercial" or "artesian" use which will generate a high premium. One example is a real estate
agent. A real estate agent drives during work vs. a machine operator stays in one location during
work and is less exposed to an accident. An example of artesian use is an electrician using his
vehicle to drive to work locations. Again, the electrician is using the vehicle during work and is
more exposed to an accident. If you fall under the above categories but drive a company vehicle,
you may be exempt from the extra cost of falling into those categories. On the good side, some
auto insurance companies may give discounts for drivers with college degrees or if you are a
student with a "B" or higher average you may qualify for a good student discount.
12. Make and Model of Vehicle- Some vehicle are generally expensive to insure. One such
vehicle is a Ford Mustang. Although it is fairly inexpensive to purchase, it can be expensive to
insure due to its "sports" performance. It is a good idea to quote a vehicle for insurance before
purchasing it as I have seen people have to return their vehicles because after purchasing the
vehicle, they couldn't afford the auto insurance. Four door vehicle are usually a bit cheaper to
insure than two door vehicles. Usually 4wd vehicle can be higher to insure vs. 2wd vehicles. High
end vehicles such as BMW, Mercedes, Porsche, Jaguar of course can be more expensive to
insure than your average vehicle. Bottom line, quote the auto insurance before buying the vehicle.
13. Alarms and Equipment- Auto insurance companies may offer discounts for vehicles with low
jack or alarm systems. If your vehicle has one, be sure to let your agent know. Some companies
will offer discounts for airbags and other safety features as well.
14. Other- There are other discounts that you can take advantage of. If you have more than one
vehicle, be sure to insure them all on one policy to get your "multi-car" discount which can be 20%
or more. If you are a home owner, some insurance companies can offer "home owner" discounts.
If you have taken a driver's safety course you may be eligible for a discount as well. Also if you
keep your vehicle parked in a locked garage over night, be sure to ask if you can get a discount.
15. Online Auto Insurance- Many insurance companies offer Online Auto Insurance which can be
less expensive than your traditional auto insurance policy purchased in an office location. This is
because if you buy auto insurance online, insurance companies have less overhead because the
policy is "paperless" and all the savings will be transferred to you. Compare auto insurance
quotes online. Some websites offer one simple process for quotes from multiple well known auto
insurance companies and you can even buy the policy online. One such website is
http://www.OnlineAutoInsurance.com. There you can compare quotes from top carriers and buy
auto insurance online if you like. Be sure to stop and get a quick quote and keep in mind the
above 15 insider's secrets that I just revealed. Since I took the time to write this detailed article,
return the favor by getting a quick quote from my website listed above, actually I will be doing you
another favor by saving you tons of money on your auto insurance.

4. Sincerely,
Cesar Diaz, agent and broker
Cesar Diaz, California Insurance Agent and Broker of Online Auto Insurance
Article Source:
http://EzineArticles.com/?expert=Cesar_Diaz
==== ====
Get insurance quotes for your car, and visit our blog to see the questions everyday people ask
when they face difficult situations in their life with their vehicles and insurance policies. For this
and more visit:
http://www.LicensedBroker.com/
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