LOW COST CAR INSURANCE 2021 - Compare Discounts, Best AUTO Rates #CarInsurance

CAR INSURANCE IS A TRICKY BUSINESS. But, Savvy Car Owners get better rates all the time!
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The Homework Guy Team publishes videos to help Car Buyers. We don’t hate Car Dealerships. Instead, we represent Car Buyers, a goal that’s often in direct conflict with Car Dealer goals.
A CAR DEALER WANTS TO:
1. SELL every car for the Highest Possible Price.
2. CONVINCE Car Buyers to use Dealer affiliated Lenders / Banks.
3. LOAD every Car Deal full of Fees and Finance Products.
4. OFFER Lowball numbers on every Trade Vehicle.

THE HOMEWORK GUY TEAM (THG) HELPS CAR BUYERS TO:
1. BUY a Car from Dealers or Private Party Sellers at the Lowest Price.
2. PAY Cash or Finance with their own Bank or Credit Union.
3. DECLINE Dealer Fees and Finance Products.
4. TRADE / SELL their current vehicle for the Best Value.

THG didn’t give Car Dealers their Bad Reputation. For more than 40 years, dealerships have EARNED it by being the masters of predatory selling. They stalk victims relentlessly, often ruthlessly treating the most vulnerable car buyers (like seniors, for example) with little or no conscience. Car Dealers and their Finance Officers have no problem creating financial devastation for their customers with over bloated car loans, and often do. While the business has had record setting profits, Dealers never stop telling Car Buyers “We’re losing money!” That’s the bed Car Dealers custom built for themselves. We point out the traps and the flaws of the process, and help car buyers get by all the nonsense without being ripped off. We promote fairness, honesty, and transparency, and we’d love to see a few dealers join our mission!

The Homework Guy Team provides car buying consumers with information, automotive news and updates, industry outlook, buying and selling advice, and other help to level the tables. The public face of THG is Kevin Hunter and the master negotiator, Elizabeth. Tons of time and research goes into every show, planning for weeks, several projects always on the table, all with the goal of getting it exactly right. From Automotive News Updates to vehicle shopping advice and assistance, The Homework Guy Team is the best there is.

THG CATEGORIES: cars, truck, van, suv, auto, new cars, used cars, autos, mechanics, automobile, vehicle, dealer, automotive news, auto shop, service plans, extended warranty.
LEADING CAR BRANDS (MANUFACTURERS) WE COVER IN THE US: Ford, Toyota, Chevrolet, Honda, Nissan, Jeep, Ram, Dodge, Hyundai, Subaru, Kia, GMC, Mercedes-Benz, Volkswagen, Tesla, BMW.
#dealership #carsforsale #carlovers

How can The Homework Guy Videos help Car Buyers?
1. What you need to know before buying a car.
2. Information you need when buying a car at a dealership.
3. Benefits of Buying a Car from a Dealership or Private Party.
4. How to Buy and Sell Cars
5. Learn the process of buying a car from start to finish
6. Questions to ask at a Dealership
7. Car buying tips and tricks from the experts
8. How to Buy a Car with Cash
9. How to Pay for a Car with Cash.
10. Using Carmax, Edmunds, TrueCar, Autolist, or Kelley Blue Book.
11. Buying a Car out of state.
12. Taking Control of the Car Buying Process.
13. What to do if Scammed.
14. Illegal things Car Dealers can do.
15. Understanding Dealer Financing Tricks
16. How to Avoid Dealer Scams.
17. Reactions to Sales Training by Car Trainers.

Will The Homework Guy Team become the #MrBeast of the Auto Industry? Time will tell! We’ve seen amazing growth, and over 327,000 Subscribers and counting. Meanwhile, if you prefer to fix your current car, check out channels like Chris Fix or Scotty Kilmer! If you wonder where we get such brilliant financial ideas, watch the Dave Ramsey Show! But, if you just need to get lucky and be handed a wad of cash, well... see Mr Beast!

[crystalholder]

Hi Mr. Kevin Hunter you are the best on educating the consumer such as myself.
Thank you very much.

[KevinHunter]

According to Edmunds:
1. Get more than one rate quote before you commit."Company prices are very different, and it pays to shop around. You can easily wind up paying double from one company to the next, " says J. Robert Hunter, director of insurance with the Consumer Federation of America, a national watchdog group.Want to get a sense of who the low-priced carriers are? The National Association of Insurance Commissioners offers a map on its Web site that lists each state's regulators. Click on your state and you're taken to the state's Department of Insurance Web site. Its consumer buying guide compares insurance premiums across a range of companies. You'll also learn how many complaints each company has logged. Surprisingly, you don't have to sacrifice service quality to score a low premium. "A lot of the lower-priced companies have the best service rates, " says Hunter.There are a host of independent Web sites, like CarInsurance.com, that allow you to comparison-shop by offering online price quotes.
2. Evaluate insurance costs before you buy your vehicle.The year, make and model of your vehicle can have a profound impact on your insurance rate. All else being equal, new, expensive or sporty cars will cost more to insure than older, cheaper and more utilitarian vehicles. But you could find a substantial discrepancy even when comparing the cost to insure similar cars. So if you've got a few models on your shortlist, contact your carrier to see what rate each vehicle commands.
3. Go high on deductibles.If you're willing to give a little with your deductible, you can wind up saving big on your rates. "If you go from a $250 to a $1, 000 deductible, you can save between 25 and 40 percent on your policy, " says Hunter.
4. Nix collision and/or comprehensive coverage on older cars.If your older car has comp and collision coverage, you might find yourself paying more in insurance than the car is worth. "Take your comp and collision premium and add it up, then multiply it by 10. If your car is worth less than that, don't buy the coverage, " says Hunter.
5. Mind your credit score. An increasing number of carriers are considering credit scores when making rate calculations. "Your credit score can be very important in determining your rate, " says Hunter. "You can wind up paying up to 50 percent more if you have a bad credit score."
6. Ask about low-mileage discounts.Many carriers offer discounts to policyholders whose annual mileage is lower than the norm. Maybe you have a short commute. Or maybe your participation in the office vanpool results in fewer hours spent in your daily driver.
7. Ask about group insurance discounts. Oftentimes, insurance companies offer discounts to policyholders who are members of certain organizations or professions, such as veterans, engineers or teachers.
8. Ask about all other discounts. Some carriers offer discounts to policyholders whose vehicles bear certain safety features, like anti-theft devices or motorized seatbelts. Others give reduced rates to senior citizens, and to students whose grades meet certain requirements. "Many carriers offer discounts. Ask for them when you're shopping, " says Hunter.
9. Avoid lapses in coverage. Even a brief lapse in coverage can disqualify you from receiving discounts. "They use lapses in coverage to increase your premium, " says Hunter. Pay your insurance bills on time.
10. Think twice about paying in installments.Most carriers charge an administration fee to pay in installments. One carrier surveyed levied a $10 charge per installment to those who opted to break up their bill. The solution? Pay your premium up front, if at all possible. Of course, this charge is more significant for those with small premiums.

[Stephanie-yjrp]

Very helpful! Why is it that insurance companies require you to have your car registered in the state of your quote? I am still financing my car, which I bought from CA and moved to a different state. Car insurance isnt going to pay for my DMV car registration fee so why should I change it? They stated that if I dont change my car registration within 30 it would make it invalid. Help.

[adaiyah-zerahbahtyahudah]

Question: let's say I raise my deductible to $1000 and someone hits me, it is the other drivers fault. How am I affected?

Ty.

[NorthWestDIGITALNEWS]

Car Insurance is one of those necessary evils. You don't want to be without it, but it pays to do some due diligence and talk to several different companies before you decide. As the video mentions, compare lots of quotes, price out bundling discounts and any specialty discounts, drive safely and stay claim-free, consider usage-based insurance, re-evaluate coverage on older cars, maintain a good credit score, and always review your car insurance rates annually. Insurance companies like to change your premiums without notice, so if you aren't holding them accountable with a regular review, expect your premiums to keep going up!

[codacreator]

You guys need to learn some stuff about how insurance works and the differences in how the coverages are applied. Not all coverage is equal just because the limits and deductibles are the same on the declarations page. Read the policy contract, what's more commonly known as the "policy jacket." You're right about some of the stuff you cover (I'm a licensed insurance agent in claims) and I'll tell you I agree that credit score is not an accurate predictor of driving skill, habits or responsibility. Most people can't afford to replace their cars if someone else hits it and the insurance company totals it. Comp and collision coverage on older vehicles is usually very low cost.

Insurance, like most other things, is very much a get what you pay for. You cannot drive premium down to nothing and still get the kind of coverage most people think they have (and don't). Not all policies cover other people who drive your car or you driving someone else's. Not all policies provide rental car coverage or alternative transportation when your car is wrecked. Many policies only include roadside service as part of a claim (not for mechanical breakdown), most policies have no provision for contents coverage. And your Comprehensive deductible has everything to do with glass coverage. Most policies that provide free glass coverage do so as an additional endorsement. If you have a $1000 comp deductibles and crack a windshield, that becomes an out of pocket expense.

Do not assume you'll be sufficiently covered based solely on the Dec page. Please.

[leom]

what i don't understand is when i have a car that is packed with safety features like lane departure, stop assist, 18 different airbags, 360° camera, distance assist and so on, and the insurance is even higher not less.

[crsp]

Here in Cali i got Metromile pay per mile and cut hundreds a year of my wifes car.