1. Use a comparative rater. Instead of visiting the web site of insurance companies, consider using an independent web site. Sites like Autoquoter.com make insurance companies compete for your business, ensuring that you always get the lowest premium.

2. Consider your coverage. Do you really need additional coverage’s? It could be worthwhile getting quotes for all levels of coverage and consider the one which best suits your needs, budget and value of the vehicle.

3. Increase your deductible. Most insurers will give additional discounts for higher deductibles – but make sure you are able to pay your deductible if you need to make a claim.

4. Enter accurate mileage. Avoid guessing – insurance premiums are based on numerous factors, including the number of miles that you drive. Time spent accurately calculating your commuting and annual mileage could save money in the long term.

5. Alarm your vehicle. Having an approved alarm system installed by a professional could save you in the region of 10 per cent on your premium cost.

6. Park in your garage. Clear out your garage and park your car in it or off the road. You could reduce your premium by roughly 5 per cent compared with parking it on the road.

7. Additional drivers. Adding a parent to a younger driver’s insurance policy could lower the cost. Similarly male drivers could also benefit from adding their female partner as a driver.

8. Drive carefully. This could save you up to 30 per cent on your premium, proving it literally pays to be a careful driver. The longer you go without any tickets or accidents, the more you can save.

9. Defensive Drivers. Enrolling in a defensive driver course may lower the cost of your insurance, especially for younger drivers.

10. Choose carefully. Before purchasing your next car, get insurance quotes on the vehicles you are considering. A good guide generally is the lower the engine capacity the cheaper the insurance.

Ten tips to cut the cost of car insurance is brought to you by http://www.autoquoter.com

Over 75% participants in this survey thought that car insurance comparison policies, do not vary by no more than $280 in a 6 month period. In fact almost 70% of drivers who were surveyed in state of Illinois did not contact their insurance agent to obtain their auto insurance rate information for over 2 years.
Ken Gebhard V.P. of Quotepro, Inc. was not surprise at all to hear this information “we are trying to get the word out and to encourage consumers to shop around, it has to be a clear statement, by shopping your car insurance rates make sure that you talk to more than one agent and get the best value of your car insurance dollar”

“Nationwide, the automobile insurance market is much more competitive, where over 330 companies are providing the insurance coverage in all markets”, says Marco Freudman, Quotepro Principal “The reason is very simple, there is not a single insurance provider that will offer the cheapest insurance rates to every consumer and the only way how you can save your hard earned money is to shop around for lowest rate and good customer support. No consumer will ever benefit from highly competitive market if they stay with the “expensive company” and don’t shop around.

About Capitol Insurance Agency:

Originally established in 1956, Capitol Insurance Agency, Inc. (CIA) has been under the ownership of Reed Halvorsen since 1983.
For the past 25 years our goal has been to not only provide Chicagoland with the LOWEST possible car insurance rates, but also THE BEST customer service in the industry.

About Quotepro:

Since 1991 Quotepro has delivered software solutions for providing quick and easy comparative quoting for all lines of Insurance to today’s Agents and Brokers.

Press Contact:
Jon Halvorsen
Jon.halvorsen@insuredbycia.com
http://insuredbycia.com

With new software from Quotepro, the consumer will be able to get multiple insurance rates in only few moment and if they like what they see, there is the option to purchase and print the actual coverage right from their computer, how easy is that? continues VonDrasek.

About Constitutional Casualty

Constitutional Casualty Company was incorporated on April 11, 1956 under Illinois laws and began business August 15, 1956. Copco, Inc., Chicago, Illinois, a holding company purchased financial control on October 31, 1972, from Institutional Corporation of America. Operations were conducted under the name Institutional Insurance Company of America from the time of organization until November 1, 1972, when the present corporate title was adopted.

About Quotepro

Since 1991 Quotepro has delivered software solutions for providing quick and easy comparative quoting for all lines of Insurance to today’s Agents and Brokers.

Contact: Larry VonDrasek V.P. Marketing:
Phone: (800) 833-3427 or (773)763-7100
Fax: (773)763-5938
Email: lvondrasek@constitutional.com

Contact Marco Freudman V.P. Marketing:
Phone: (312) 654-8045
Fax: (312) 654-1285
Email: mf@quotepro.com

eCarrier

Quotepro is pleased to release an enterprise level solution for Insurance Carriers seeking a web presence to compete in the internet marketplace. Let our eCarrier technology power your company’s consumer facing website and agent Portal Website allowing your customers to quote, make payments and renew policies online.

eCarrier is available as a snap-in component to your current management system or as a full, feature rich carrier management system. Quotepro can web enable your company with online policy management, claims management, rating and more. We have spent years developing a custom domain-specific language (DSL) for insurance underwriting leading to quick and accurate insurance rating and simple rate changes.

Our patent pending online carrier technology delivers a rich user experience and completes the entire policy transaction from rating to issuance.

Recent carrier adoption by Constitutional Casualty Inc. has enabled Constitutional to sell the following lines of business: Personal Auto, Liquor Liability, Personal Home, Commercial Auto and Non Standard (or High Risk) Auto through the feature rich web portal – Please see Agent Portal Screenshot above.

Let’s start with a brief description of what Insurance Agency Software is so we have a good basis for discussion.  Insurance Agency Software is a package of computer programs that help to streamline the business operations of Independent Insurance Agents and the agencies they work for.  Having a strong software package simplifies the day to day tasks around the agency and allows for focus on core business strategies.  There are many advantages to agents that work in agencies running Insurance Agency Software.

The first and most obvious is the benefit of electronic record keeping.  That file folder under your desk works great until that cup of coffee on the desk spills all over it ruining what you had stored inside.  Having all of your customer information saved in a computer programs such as a Comparative Rater, Premium Finance Program or an Agency Management System could alleviate many headaches caused by the unexpected loss of paper records.

The next point to highlight would be efficiency – helping you the agent become more productive.  Whether it is visiting multiple carrier websites or filling out multiple in house forms — any time you have to enter the same information into several sources you’re spending your time doing unnecessary tasks.  Using Insurance Agency Software automation becomes a central focus and the burden of work is transferred from you the agent onto the software that your agency is running.  QuotePro’s battery of Insurance Agency Software all use the ACORD standard for interfacing.

Another advantage is the reporting capabilities that Insurance Agency Software can offer both the agent and the agency.  Agents are able to follow their leads and track where they come from, what rating territories are “hot right now” and other sales statistics can highlight interesting sales trends.  Agencies gain the benefit of seeing which agents are selling more policies and which carriers are providing the best commission dollars.  The advanced reporting capabilities found in QuotePro’s software packages can really help to improve your close ratios with the carriers.

Quotepro is pleased to announce 800-Insurance.com, an North Bay Auto Insurance Center, Inc., one of the most searched website’s online.

www.800-insurance.com
800-Insurance Offers: 800-Insurance auto insurance, online car insurance quote, motorcycle insurance quote, atv insurance, homeowner’s, condo, renter’s insurance, online boat insurance, umbrella, health and life insurance, business and commercial insurance. Online insurance sales. Buy insurance online

• Allowing independent insurance agency staff to be trained on a single comparative rating workflow rather than several carrier interfaces that all gather the same insurance rating risk information.
• Enhancement to an insurance agency’s professional image by having one standard web based comparative rater or pc based comparative rater for all of the insurance rating needs.
• Increased revenue for independent insurance agency owners by way of freeing up CSR time for new sales recruiting. No more bouncing from insurance carrier site to insurance carrier site, the comparative rating software will handle all of that for your CSR.
• Customer service becomes easier as all current policy information is available at the fingertips of the CSR

Comparative rating software will apply carrier underwriting rules, surcharges and discounts on the insurance risk during rating.   Comparative rating software is readily available in two forms of computer software.  PC Based Comparative Rating software which is a computer application locally installed on a computer.  Web Based Comparative Rating software is accessible on the internet via a computer web browser.  A Comparative Rater is a software tool useful to both Independent Insurance Agents and Personal Property Casualty Carriers for use in rating insurance risks.