Get Direct Auto Insurance Quote

Get a direct auto insurance quote from a range of leading insurers in your state. Obviously, experienced drivers don’t have the same premium problems as inexperienced drivers, but all careless and thoughtless drivers pay the same penalty of a 10 percent increment per moving violation and a 20-40 percent surcharge per at-fault accident. Therefore, it pays for all of us to drive cautiously in order to maintain our clean or nearly clean driving records.

Divorcees may be entitled to the same kind of premium refund as parents. If your ex-husband or ex-wife had a poor driving record and you have continued to pay their old surcharged rates since they left your household permanently, bring this to the immediate attention of your insurance representative. Visit him with all pertinent and documented information so that your premiums can be reduced immediately while your application for a premium refund is processed. Get a free, direct auto insurance quote online!

For example, if you were separated or divorced a year ago but forgot that you were still paying a $600 premium based on a two-car family, you would be eligible for an immediate rate reduction to $360 (based on only your car) and a premium refund of $240. If you had neglected to inform your insurance company for two years, you would be entitled to a $480 refund, and so on.

If your insurance company procrastinates or refuses outright to pay the refund, your state insurance department (Consumer Affairs Division) will help you with a legitimate complaint. As a last resort, you have the option of taking the matter to a small-claims court or to your attorney.

Car insurance rates vary from person to person according to how they use their vehicles. The lowest usage category is for full-time farming. The next lowest category is for pleasure use, which includes driving to work less than 30 miles round trip per week. The next categories are for vehicle use for work between 30 and 100 miles per week and for work over 100 miles per week. The highest category is for business use such as on-the-road sales, light delivery work, and other jobs requiring the continuous commercial use of a vehicle. Find direct auto insurance quotes rates from top providers!