Cheap Auto Insurance - A Practical Solution for Reducing Car Expenses


 Cheap Auto Insurance - A Practical Solution for Reducing Car Expenses

If you're tired of paying high premiums and worrying about getting a ticket every time you jump in the car, you may want to consider investing in cheap auto insurance. Insurance is a necessary expense if you own a car, but that doesn't mean that there aren't ways to save money on it. One way to reduce your premium without giving up any coverage is by switching your policy from yearly to monthly payments.

You could also save on your insurance by raising the deductibles on collision and comprehensive coverage (the two most expensive types of coverage). Another way to save money is by lowering your deductible on your comprehensive coverage. One of the most important parts of your car insurance is to protect it from being stolen or damaged, but many people make the mistake of using their collision and comprehensive coverage as a sort of cash-back program for their car.

This happens because people think that they're getting better coverage than what they really are. Collision and comprehensive insurance only covers up to 50% of the value of your car – even if you've got collision and comprehensive insurance, you still might need full coverage in case something happens. For example, if your car cost $500, the coverage would cover up to $250 before you had to pay anything.

If you're wondering how to get cheap auto insurance, a good idea is to find a company that sells insurance policies by the month. Although it may seem like an extra hassle, you'll be saving money on your premiums and having coverage for all kinds of accidents and damage. Also consider getting cheap auto insurance through a price comparison site such as InsuranceQuotes .com , when taking these steps into consideration will help you avoid additional high costs.

The article is featured in the book or Insurance: A Practical Guide to Consumer Protection and Health Insurance, published by Thomson Reuters in 2011.You may download a free chapter from .   

Author: Stephen M. Rosenfeld is the president of the  Rosenthal Media Company , a publisher, distributor, and marketer of books and magazines about insurance, health care, private equity pet insurance, retirement planning; and over 30 other types of financial services information as well as consumer products including auto insurance for car owners with dog passengers who want to avoid dog-bite liability lawsuits.  You may write him directly at or call him at (973) 392-1445. His website is .

Author: Roseanne Robinson, MA, JD, licensed attorney in California since 1987 and nationally since 1993, business consultant to insurance agents and brokers since 1989, producer of radio and TV infomercials on medical malpractice and consumer protection with attorney Roseanne Robinson Inc., founder of Great American Protection & Insurance Corporation. Phone: 1-888-817-5333 or to purchase Mr. Robinson's books on medical malpractice go to . 

Author: Roseanne Robinson, MA, JD, is a licensed attorney in California and nationally since 1993. Ms. Robinson has taught medical legal ethics at the National College of Interpreting and Translating and is an instructor at the American School of Legal Medicine. She has written extensively on medical legal ethics as well as general consumer protection topics that emphasize the relationship between consumers with their doctors, hospitals and other health care providers. Her books have been favorably reviewed in many publications including California Lawyer Magazine, Los Angeles Times, and Consumer Reports Magazine . 

Author: Charles Sippel is a 20-year insurance industry veteran who now consults worldwide for independent agents through his  Inc .,  CDI ,  Consumer Protection (CP) and other agencies. 

Author: Duke Law School, the Center for the Study of Law and Economics at University of California, Berkeley Labor & Employment Group, the Economic Analysis Group at Syracuse University have studied over 70 insurance company mergers and acquisitions to explain how they affect consumers. 

Author: David L. Libby is a professor of Insurance Law at Shippensburg University School of Law in Pennsylvania. He is a regular contributor to The Insurance Counselor . He has written several major articles including "Online Claims Processing" published in the National Underwriter . He is also an editor of Policy Notes. 

Author: David L. Libby, a professor of insurance law at Shippensburg University School of Law in Pennsylvania, is the author of many major articles including "Online Claims Processing" published in The National Underwriter . He is an editor for Policy Notes and he has been quoted in several publications including  Business Insurance , The Saint Louis Dispatch , Women's Wear Daily , Automotive News , and other publications. 

Author: Jamie Court, president of Consumer Watchdog ( ) is a nationally recognized advocate for consumer rights and utility reform, as well as a veteran consumer activist.  He has authored numerous articles on Proposition 103 for such publications as the Wall Street Journal and Los Angeles Times .  He is a co-author of California's Proposition 103 and served on the California Public Utilities Commission from 1996 to 1999.  His book is featured in the book or Insurance: A Practical Guide to Consumer Protection and Health Insurance, published by Thomson Reuters in 2011. You may download a free chapter from 

Author: Jules Ehrhardt heads the insurance section of the Corporate Practice Group at Dechert LLP, one of the world's largest law firms. He is also an adjunct professor at The George Washington University Law School teaching insurance law and business entities . 

Author: Joshua Dorfman is a business lawyer in Los Angeles, where he works with clients on issues related to insurance and business transactions. He is a regular contributor to The Insurance Counselor . 

Author: Mark Kafton-Kohlbach is a freelance writer specializing in estate and tax law. A former attorney, he has been writing about the law for over 18 years. His work has appeared in  The National Underwriter ,  Lippincott's and Consumers Digest , among other publications. He is the author of "Westlaw in One Hour: An Executive Guide to Legal Research" published by West Publishing Company. 

Author: Paul M. Levy is a professor at New England School of Law in Boston where he teaches insurance law, risk management and insurance regulatory issues. He is the author of  Business Insurance For Dummies  (Wiley, 2005),   California Insurance Law , and co-author of The Consumer Health Care Survival Guide: Affordable Solutions to Protect You and Your Family's Healthcare . He is also a frequent contributor to The Insurance Counselor . 

Author: Ross E. Bejnar is an Adjunct Professor at California State University – Northridge (CSUN) in Los Angeles where he teaches Business Policy and Biz Finance.

Conclusion: "The Allstate Corporation's attempt to sell its popular "In the Mix" feature, which encourages dog owners to have their pets neutered in an effort to reduce dog bites around children, as a way to sell more auto insurance by exploiting fears of lawsuits from dog-bite victims is bad public policy. Dog bites are a serious concern, but this approach will not reduce the number of these incidents. Instead, Allstate should focus on offering good products and good claims service. This company has demonstrated that it can do this very well." – Ross E.

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