How does a car dealership commercials attempt to hook a potential shopper? Come on over to So-and-So Auto Sales with $100 and drive home in a new car!  ITS THAT EASY!

We could only wish car buying could be this simple.  Individuals who are new to car buying will soon find that buying a car can be much more expensive upfront.

Setup a budget:

Before you begin, the smart thing for shoppers to do is setup an overall monthly budget.  Lets say you “plan” on paying a total of $400 a month for 3 years. Now you have a target.

Decide on the ride:

With budget in mind, you now must get a clear view of what car you are shopping for.  You can write down a few cars you may like to purchase.

Learn your car payment budget:

Next step is to call a couple local agents for insurance quotes on the vehicle you are in the market to purchase.  Get a monthly quote and a six month quote.  If you pay six months up front for your insurance, you’ll find yourself earning a discount. 

Finalize your plan:

So lets say you really want that first car you took a note of earlier.  The best insurance rate was quoted at $200 a month or $950 every six months.  Now you know either way you decided to pay for insurance, you have approximately $200 left over in your budget for a monthly car payment. 

Making the deal:

Other things you need to keep in mind when buying from the dealership is tax, title and license.  These expenses can be covered by the dealership if you play your cards right.  Remember, they need to earn your business and it’s not going to happen with only a handshake and a smile.  Make a deal that works with you.  Depending on how starved they are for your business, You may be able to have them pay your first months insurance payment.

After the Car purchase visit us.  Here you can quickly compare rates between 4 or more insurance companies for you newly-owned or pre-owned car or truck.

For some of us, business moves us from time to time.  With risk being higher in some states than others you may see a lift or drop in your insurance rate depending on where a job relocation may be relocating you.


According to the Insurance Information Institute, in 2005 the top ten most expensive states to carry auto insurance coverage include, New Jersey, D.C., New York, Massachusetts, Louisiana, Florida, Rhode Island, Delaware, Connecticut and Nevada with New Jersey’s average expenditure siting the highest at $1,184 and Nevada being in position #10 with an average expenditure of $983.  The least expensive states include Maine, Wyoming, Nebraska, Wisconsin, North Carolina, Kansas, Idaho, South Dakota Iowa and North Dakota being the state with the lowest average expenditure of $554.  In addition to these state statistics its been determined 77% of insured drivers purchase comprehensive coverage in addition to liability insurance, and 72 percent buy collision coverage.

  Today we find that driving any vehicle is not feasible with out insurance. You find that your insurance premium can become overwhelming at best if not careful who your provider maybe. Low cost Insurance becomes the venture of everyone driving or owning a vehicle.  One way to keep the premium low is to maintain a higher deductible. This may seem like a very good policy to help your budget but keep in mind that when you need to use your insurance will you be able to meet that deductible. The best answer is to find a low cost insurance that will not blow your budget but still provide good coverage.      



You need to have a good understanding for insurance coverage in order to determine what you need and how much to pay. The law in your state may not require you to have certain coverage’s but providing good coverage will save you thousands of dollars in case of an accident. First, let us look at Liability Coverage the part of your policy that pays for accidental bodily injury and property damages to others.  This part of your of your policy will pay medical expenses, pain and suffering and lost wages. The property damage includes damaged property and automobiles that damaged. This is very important because it also pays court cost, which can become expensive.     



The next part of your policy is called collision which you need because this will pay for your vehicle damaged caused by collision with another vehicle or object. The Comprehensive Coverage covers loss to your vehicle that does not happen because of an auto accident. The vehicle might be involved in fire, wind, hail or flood damage which all need coverage. The worse fear we all have is that of someone vandalizes or stealing our vehicle but with Comprehensive Coverage that is all taken care. Medical Coverage pays medical expenses regardless of fault when the expenses occurred during an auto accident. Uninsured Motorist is a coverage that everyone needs because it pays your car’s damages when a driver who does not have liability insurance causes an auto accident. Then there is underinsured Motorist which covers your vehicle when a person does not carry enough coverage.  These are the basics you must know before choosing a coverage.     



The website Low-Insurance.org provides you with quotes from different insurance companies who provide insurance in your state. The safer your car the better your premium contents and cost will be, also a good driving record affects premium costs. Your credit history can also determine the rate of your insurance premium.  The Low-Insurance.org website helps shoppers consider all these factors before submitting a request to various reliable insurance companies helping you to be able to find a low cost.      



The well-insured person finds less to worry about when driving but the over insured client is bothered with a high cost premium. We all realize the importance behind having good insurance coverage and basically that is what we are looking to buy but like all products we need to be aware of those agents who over sell and under cover our vehicles.  The low cost insurance website provides you with only responsible agents from top companies who strive to find you the best insurance coverage at the lowest premium charge.

On my way to work one day I was traveling west bound up until I reached a road I needed to make a left turn on. Once the green arrow was given to me I preceded left started traveling south-bound. As I finished my left turn a few short moments passed and a small car pulled its way out in front of me. I tagged it’s back drivers side door. Even though my car still ran it appeared the crash caused about $2000 worth of work. This was about 5 years ago. I was driving a 1995 Nissan Maxima with a pearl white paint job. When the police got there, they measured my tread marks for the report. I then made the claim and some time later got a call from the other drivers insurance company. The Insurance Company then stated they would only pay 80% of the damage done to the car. The reason for this was because they decided my skid marks measured too long for a my car to be traveling the speed limit. I asked, “now how do you figure that?” The insurance company then decided to read me out this bull-snot formula that figures what the speed of a vehicle is with the measurement of skid-marks.

Speed = the quare root of (30) X (Skid distance) X (Drag Factor of .75).

They figured I was going a whole 5 miles per hour over the posted speed limit. I mentioned back to them, “Look, I am not about to pay 20% of the damage to my car because your not so good driver pulled out in front me. Throughout the next couple days I did some research on this skid formula and found proof it wasn’t 100% accurate. I then went onto Pima County’s Map Guide and printed an above view of the crash scene with contours (lines of elevation) turned on showing the slope of the road. I then went to the crash site and took some pictures. Once I got this all together I sent them all the information I had which showed their case to be a poor one..Below is a photo of the map with some of the information I mentioned posted on the photo. I faxed this along with photos, other arguments and my overall “not so polite attitude”..

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If you could not read, on the photo, some of the listed reasons I felt the guy’s Auto Insurance Company had no case I reslisted them below:

.1. I BARELY TURNED ON TO THAT ROAD FROM A STOP. NOT ENOUGH TIME TO START SPEEDING.


2. ROAD HAS A SLOPE WORKING AGAINST YOUR INACCURATE FORMULA.


3. THE CAR ISN’T BRAND NEW WHICH IS ALSO WORKING AGAINST YOUR FORMULA (USED TIRES AND EQUIPMENT).

4. LAST BUT NOT LEAST LAWYERS WHO SPECIALIZE IN THIS TYPE OF CASE HAVE BEEN CONTACTED. THEY STATE THE FORMULA IS NOT 100% EXACT, IF THIS IS TAKEN TO COURT I WILL COUNTER-SUE FOR 100% OF THE DAMAGES, MY TIME AND THEIR SERVICES.

After a couple days I received a call from the insurance company. They decided to go ahead and award me 100% of the money I needed to fix my car. They probably figured If I went to this much trouble to prove them wrong, I probably would not stop there. If you find yourself in a situation where you believe an insurance company is trying to take advantage of you, don’t give in. A little research can go a long way and save you from any undeserved debts and penalties.