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Save Money on Auto Insurance

Whether you drive a brand new vehicle or a 20 year old jalopy, hitting the road requires buying at least minimum levels of insurance coverage.

But if you're like most people, you probably don't know what your options are or what coverage you're required to carry, let alone how to get insured without spending a fortune.

Get the Best Price

During tough times like these, insurance companies need your business just as much as you need insurance. This can lead to cheap car insurance rates you might otherwise never expect.

If you're willing to learn, take advantage of a competitive marketplace and compare quotes from more than one insurer, we can help you find the right policy now affordably, quickly and easily.

So read on for tips and tricks to getting insured, then request your free quotes above. The road to savings starts here!

Secrets You Should Know

Before you accept just any old policy sitting on a shelf, there are some things you should know about insurance rates, the factors that affect your premiums, and how to be your own best advocate when it comes to pricing, namely:

  • Insurers determine premiums mainly by ratings. You're rated according to the amount of claims risk you present, then grouped with others like you with similar risk rates. Factors like age and gender, where you live, your driving record, your marital status, any prior insurance coverage, how far you drive annually and your vehicle's make and model all affect your ratings.
  • Discounts can dramatically lower rates. Insurers reward those considered low risk with discounts that can translate into amazing savings. Some of those available include multiple vehicles, educated driver, good student, safe vehicle, low-mileage and multiple policies.
  • Each state sets its own insurance requirements. Depending on whether your state is a tort or a no-fault state, the type and amount of car insurance you're required to carry by law varies. Check with your state insurance department to find out how your state operates and the legal limits that apply.
  • Consider optional coverage for your own protection. Unless you drive an older vehicle, you'd be wise to purchase collision and comprehensive coverage for your car. Collision covers damage when your vehicle impacts another car or fixed object, and comprehensive pays for damage from almost all other causes.
  • Compare multiple quotes before making your final decision. By comparing rates and policies side by side, you can get insured more cheaply than ever before. All it takes is a few minutes, some basic information and wise decision-making.

Now that you better understand your options, it's time to get insured. So for maximum savings, drive safely, avoid tickets and accidents, and heed these secrets to saving money on auto insurance. Then request your free quotes today and watch the savings stack up.

This article was written by for informational purposes only and not intended as professional advice.

What is mechanical breakdown insurance?

When you buy a new car, you can purchase a variety of products to protect your pocketbook in the event that the car -- or any of its many components or systems -- breaks down. If you buy a car at a dealership, you'll likely get a factory warranty, which usually provides bumper-to-bumper coverage up to a certain date or mileage limit. This warranty is meant to cover defects in material and workmanship.

But what if you want protection beyond your warranty? Mechanical breakdown insurance (MBI) can be an option.

MBI vs. extended warranty

One option after your original warranty runs out is an extended warranty. This is a limited arrangement (often more limited than the initial warranty) sold by the dealer that covers specific components like the transmission and engine up to a certain date or mileage limit.

MBI is not a warranty. It's an auto insurance product sold by insurance companies. It's regulated by the state and guaranteed by state insurance funds, according to California's Insurance Center Associates, which offers MBI coverage. MBI policies generally offer broader protection than extended warranties do. And, because you're paying premiums rather than a lump sum, you can drop the coverage at any time.

Some MBI policies can be transferred to other vehicles and even other drivers. And they usually will allow you to select a repair shop of your choice, while extended warranties often restrict you to your dealership, according to Digital Federal Credit Union.

What does MBI cover?

Different providers offer different terms, of course. And, like any insurance product, MBI has restrictions.
GEICO's MBI policy, for example, is available for cars less than 15 months old and with less than 15,000 miles. Once you've got coverage, you can renew it up to 100,000 miles or seven years. The deductible is $250, and it covers essentially all parts. It does not, however, cover regular maintenance (like tune-ups, filters and fluids).

Insurance Center Associates lets customers buy an MBI policy for a new car up to one month (or 1,000 miles) before the factory warranty expires. Its coverage lasts up to six years or 100,000 miles. Used cars have more restrictions.

Digital Federal Credit Union offers three plans with varying levels of coverage. Although maintenance and cosmetic components aren't covered, its most inclusive plan covers things like the air conditioner, the battery and steering components.

Is it worth it?

As with any kind of insurance, MBI requires some planning -- you can't buy it after your car becomes a clunker. And there are exclusions, as well as the chance your policy never will pay off. Yet if you plan on keeping your car past the expiration of your manufacturer's warranty, MBI can be a more flexible alternative to an extended warranty. Along with the right auto insurance coverage, it can bring peace of mind.

This article was written by for informational purposes only and not intended as professional advice.

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