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Every state in America makes having some form of automobile insurance or proof of financial responsibility a legal requirement, and each state has its own minimum requirements when it comes to the amount of automobile insurance or proof of financial responsibility a driver must have. Most law abiding citizens comply with the legal requirement of having a minimum amount of automobile insurance or proof of financial responsibility however, there are still drivers out there who don t have automobile insurance, or who haven t shown proof of financial responsibility in the event of an automobile accident.

Even though many states are cracking down by requiring drivers to show proof that they hold the state s minimum automobile insurance or financial responsibility before they can register their vehicles, there are still drivers who are slipping by. Why would a driver choose not to insure himself and his automobile? Many drivers feel that by purchasing automobile insurance, or by forking out the minimu (more...)

Almost everyone is deluged with offers for automobile insurance nowadays, promising reduced premiums. Switch if you need to, but you can probably get a better rate staying with your current insurer and claiming all the discounts you can get.

Insurers offer at least 20 different discounts, and you should review these with your agent to find out. There are also other ways to save money on premiums. I ve been with one insurer for over 15 years, and every offer claiming savings usually ends up costing more.

Let s look at some of the discounts you can take, and other ways to reduce your auto insurance premiums.

1. Drop comprehensive insurance on older cars. It just isn t worth it, when you will only be paid blue book value anyway.
2. Consider raising your deductibles for the comprehensive insurance you do have.
3. Equipment Discounts - if your car has them, claim them.
a. Passive restraints - automatic seat belts or air bags.
b. Anti lock brakes (ABS).
c. (more...)