Actual Yearly Savings
  • Damaso
  • $1200
  • Jun 5, 2017
  • Samantha
  • $180
  • May 20, 2017
  • Omar
  • $2400
  • May 12, 2017
  • Jonathan
  • $1920
  • Apr 10, 2017
  • Ricky
  • $540
  • Mar 11, 2017
  • Yesebia
  • $1200
  • Mar 7, 2017
  • Walter
  • $840
  • Feb 23, 2017
  • Brittany stitch
  • $1800
  • Feb 18, 2017
  • Simon boadi
  • $1440
  • Feb 6, 2017
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015
  • Matt
  • $150
  • Jan 16, 2015
  • Denise
  • $2100
  • Jan 9, 2015
  • Tammie
  • $1800
  • Dec 12, 2014

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at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

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Resources

Many People Want States to Ban Allowing Auto Insurance Companies to Take a Driver’s Credit Score into Consideration for Premiums

The economy has caused many people to get in over their heads financially. When auto insurance companies assess a driver’s risk they look at their credit score. Many people have credit scores that are below 620 points so they have a hard time getting lines of credit extended to them.

The unemployment rate is currently almost 9.3 percent and many people are having a hard time finding a job. A new poll has found that most consumers feel that they should not have to have a good credit score in order to get an affordable car insurance coverage premium. Almost 64 percent of those individuals that were polled said they think that auto insurance companies should not be able to take a consumer’s credit score into consideration when assigning them monthly premium rates.

Some auto insurance industry experts say that a credit score has a lot to do with how responsible a driver is. People who handle their personal finances poorly often have issues with personal responsibility which could spill over into their driving lives. Auto insurance companies also argue that people that have lower credit scores are also more likely to default on making their monthly insurance coverage premium payments on time.

Many people fair that credit scores are unfair and lack credibility because there are three different credit scores that a person has. There are also often inaccuracies on credit report because they are being updated all the time so more than 83 percent of people find that it is unfair to rely on the score for premiums.

With the economy being in a bad way, it can be hard to gauge just how responsible a person is because many people who have excellent credit scores are losing their jobs every single day in the United States. These people are now relying on unemployment benefits, credit cards, saving accounts, and 401 k benefits to pay their bills so they are in danger of having their credit scores take a drastic hit.

It is important for auto insurance coverage provider to have a sense of humanity while also covering their bets at the same time. A credit score is something that everyone over 18 has so it can be looked at but a driver record speaks volumes about how competent a person is at operating a motor vehicle. Some consumers say that states should ban the practice of using a credit score to help to determine insurance premiums but a credit score plays a huge role in securing anything.

Now in order to get satellite TV, cell phone service, Internet service, apartments, and other items people must first undergo a credit check. People cannot be denied auto insurance coverage based on their score. Most people end up being denied auto insurance coverage due to a bad driving record, too many accident claims, and DUI or drug arrests. It is unlikely that a ban would get enough support thrown behind it so that it could be passed. It is hard to pass new laws that impact the insurance industry because Republicans hate new regulations and it is 2011 which means that elections will be happening in November of next year so people are hesitant to test the waters.

It is important for people to be mindful of their credit scores before trying to get auto insurance coverage or change providers. By paying your bill payments on time and keeping your credit card balances low you can help to keep your credit score at a decent rate so that you can get a monthly insurance premium that is affordable.

Source: Patriot Ledger