Facts About Your Auto Insurance Quotes

There are some weeks that just make you wish you could go crawl back into bed and forget life exists as we know it. I've gotta admit, this has definitely been one of those weeks. One of those call the plumber, the refrigerator's falling apart, the car's making that noise like it ate a baby squirrel and forgot to spit it back out and if one more kid gets the plague I'm going to lose my mind kind of weeks!!!

Ahem. Anyway. In honor of the fact that it's been an uphill grind all the way around, I'd say it's time for a smile or three. And maybe a few interesting little tidbits you can use use when you go shopping for auto insurance quotes tossed in here and there for good measure, hmmm?

Random Facts About Your Auto Insurance Quotes

~Comprehensive insurance isn't as think as you comprehensive it is. Or something like that. Comprehensive insurance will pick up the slack when you've, say, been assaulted by a deer or when that tree you've been meaning to have cut down for the past year or two gives up the ghost and comes crashing down on your brand-new convertible. But comprehensive isn't collision, or liability. Talk to your agent to figure out where they draw the lines before you try and cross them, okay?

~Deductibles aren't as evil as you thought they were either. Deductible is Lower premium now. Higher deductible later. A really, really dirty word when you're just getting started behind the wheel, because when you're living on spaghetti-o's and Ramen having to come up with $200-300 in the blink of an eye is…well, it's inconceivable! As you get older, however, and (hopefully) start working for a little more than minimum wage, a higher deductible and driving very, very carefully will do a lot to make your insurance premiums less scary every month.

~Your garage isn't just another random room in your house. Who really parks their car in their garage these days? I mean, seriously. It's the place where you put the sleds, the bikes, the lawn mower, the paint cans and the swimming pool. Parking your car in your garage is just so…so…bourgeois. That's an opinion you might change, however, once you realize just how much money you stand to save when it comes to your auto insurance quotes.

~Living in the city is going to result in higher rates. So is lying about it. You'd be amazed by the numbers showing how many people lie about their home's vicinity to a major city, or the amount of time they spend driving in it. This is technically considered insurance fraud and will result in you being B-U-S-T-E-D. Don't do it. It's not worth it. Instead, look for ways to carpool, telecommute and otherwise spend less time slogging through city traffic. I used to live near Washington, DC. I promise, both your auto insurance quotes and your sanity will thank you for it.

~Uninsured motorist insurance isn't as big a waste of money as you might think. Statistically speaking, more than 13% of licensed drivers in the US are currently driving without insurance. No, it's not legal. No, it doesn't matter. If you're hit by an uninsured driver who doesn't have the cash to pay for your repairs right here, right now, you're going to be car-less until your court case orders the money out of them-which can happen in increments as low as $10 a month. While you pay those repairs out of pocket. Uninsured motorist insurance will get your car back on the road ASAP and figure the rest out later.

~It's actually home insurance, not auto insurance, that picks up the bill if your car is robbed. So when that sweet iPod and speaker system of yours ends up taking a hike it's your home insurer, not your auto insurer, that you want to talk to. That said, if you've done your homework there's an good chance those are one and the same. Let's hear it for multi-policy discounts! (And insurance providers who understand you are, at heart, far too lazy to spend weeks hunting for multiple insurers when the one that you have will do just fine.

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