An innovative new device can help drivers get cheap car insurance.  Jolie O’Dell’s article “Insurance Company Tracks Driver Responsibility With In-Car Device” on Yahoo!News describes the “Snapshot” program.  The device plugs into cars to track the responsibility of drivers.  If it shows that you are responsible, you can get up to 30% off of your car insurance premium.  Progressive auto insurance is offering this device in New York right now, but hopes to bring the program to other states soon.

Progressive monitors drivers for 30 days with the small device that plugs right into the diagnostic port in your car.  The “Snapshot” tracks what time of day you drive, how frequently you drive, if you make sudden stops, and other driving behaviors.  Drivers who drive less often or during the least busy driving times will get larger discounts off their car insurance premiums.  There is no GPS with the device so drivers don’t have to worry about being tracked or losing privacy.  This high-tech device may be used by other insurance companies in the future.

When you try to get a cheap auto insurance quote, you shouldn’t sign up for the first insurance quote you get. Of course, there is a possibility that you may have found the best policy for yourself at the first attempt. But it is much more likely that there is another car insurance company out there that can provide equal coverage, but their price is significantly lower. The best and the quickest way to ensure that you have the most affordable car insurance quotes is to use the Internet.

Using the Internet you will spend less time on searching the cheapest auto insurance quote. In fact, after 10 minutes, you can find 5-12 different insurance offers tailored especially for you and your situation. Read more…

Still think that buying a car insurance policy is a difficult task to complete? Worry not, because in this article we are going to talk about the necessary steps to take when you are buying a car insurance company. You will be surprised to know just how easy it is to purchase the perfect car insurance after reading this article. Let’s get started, shall we?

First of all, you need to gather different car insurance quotes from multiple insurance companies. This is a very easy task to complete, especially if you have a good online insurance search tool at your fingertips. V Read more…

Drivers in the state of Ohio pay less for their car insurance than drivers in most other states, but they better have the correct coverage or they will pay a penalty.  According to “Complying with Ohio Insurance Law” from Online Auto Insurance, all Ohio drivers must follow the Financial Responsibility (FR) law of the state.  Drivers also cannot allow someone to drive their car if it is not properly insured or if the other driver cannot prove Financial Responsibility.

An insurance company like Encompass Auto Insurance can help Ohioans obtain the minimum coverage they need to be legal.  The liability limits they need to cover are $12,500 for one person’s bodily injury, $25,000 in bodily injury per accident, and $7,500 in liability coverage for property damage.  All car insurance companies will issue an identification card with your proof of coverage that should stay in your car or with you whenever you are driving.  You’ll have to show the police that card in the event of a traffic stop or car accident.

If you really don’t want to purchase insurance coverage, you can satisfy the Financial Responsibility law by purchasing a $30,000 government bond from the Ohio Treasurer or a few other sources and filing a certificate with the Bureau of Motor Vehicles (BMV) stating your financial coverage.  Without carrying the proper insurance coverage, your license could be suspended, your car could be impounded, and you could pay hefty fees to get both of those back.