Driving defensively on the road is probably the best way to get lower insurance premiums. If a driver can avoid speeding tickets and accidents for a long enough period of time, most companies will either give cash back or give a discount on premiums. This type of discount auto insurance is a sure thing for safe drivers. Driving defensively simply means to follow the rules of the road and assume that other drivers around you are not going to follow the rules. Rather than trying to pass cars or change lanes frequently, a defensive driver can simply maintain the speed limit safe driving within their lane. These cautious drivers also make sure to keep a good distance between their car and the one in front of them.

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While driving safely can protect you and your family, it is a also a nice motivation to know that you will get discount auto insurance if you build a history of safe driving. Many insurance companies require a time period of five years without any problems and then they will start issuing a discount or simply give some of the premium money back to the customer. This is a very effective and simple way to lower your monthly insurance payments.

Considering that we are all required to carry automobile insurance before we are legally able to drive our vehicles, it makes sense that you would want to get the most coverage you can for the least amount of money possible. Too, given the state of the economy today, many insurance companies are offering discount auto insurance in an effort to lure in more customers and increase business in these hard times. This, as it happens, is a win-win situation for all parties involved.

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The best way to find discount auto insurance is by doing a Google web search with your key phrase. Once your results are in, then it is merely a matter of picking and choosing which auto insurance companies you want to get quotes from.

It is important to get an auto insurance quote when purchasing your insurance because prices can vary as much as $300 or more between companies and you want to make sure you are getting the best deal for your money. By seeking out companies who offer discount auto insurance and getting your price quotes, you can be proud of yourself knowing you have done everything necessary to be legal and save your hard earned money.

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What is the average monthly car insurance payment for a 29 yr old male in illinois?

Full auto coverage,and have only had one speeding ticket in my life.

No one on yahoo is going to give you an accurate answer for this ridiculous question. You will need to check around and get free quotes to find a fair rate.

Was convicted of a dui and now have a motorcycle do i need insurance?

I was needing to have an fr44. The loophole here is that in the state of florida one does not need insurance while driving a motorcycle. Am i still required to have an fr44 (sr22)? Moreover, if i choose to not have insurance for three years and not drive, will i still need the fr44 for three years anyway?

An SR-22 isn’t a type of insurance coverage, but rather proof that you have insurance.
It is notification from your insurance company to the DMV that you have auto liability insurance in effect in the State of California which satisfies the minimum insurance coverage required by the State.

This insurance notification is typically required by the State for 3 years from the date the original suspension would have ended which can be determined, e.g., by adding 4 months from the date you were given the “pink” temporary license (assuming you are a first offender without a refusal of the chemical test).

If your policy lapses for any reason (miss a payment, get cancelled) the insurance carrier is REQUIRED to notify the DMV who is supposed to then notify you that you will have to file another SR-22 with them by a certain date or your license will be suspended. This form, typically filed electronically, is the only form the The Department of Motor Vehicles will accept. They will not accept any other form as a substitute for the SR-22.

When is the SR 22 required?
This will be required by you if:

(1) you were arrested for a DUI and;
(2) you have your license suspended or restricted and/or;
(3) if you are required to take a DUI program and;
(4) you want to get a restricted license.

To get a restricted license, you have to do 3 things:
(Not immediately – only if you lose your DMV hearing or get convicted in Court)

(1) Pay DMV re-issue fee(s).
(2) Provide DMV proof of financial responsibility (SR-22).
(3) Provide DMV proof of enrollment in approved DUI program.

Insurance minimums in California:
For private passenger vehicles per accident: $15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.

Moving to Another State:
If you currently have an SR-22 and want to move to another state you must maintain the SR-22 like you still live in California – even though you no longer reside here. Also, your insurance policy for the new state must have liability minimums required by law in California. This applies even if you move to one of the states that does not have SR-22 insurance: Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania.

Already convicted and need a license?
First, make sure you are eligible for at least a restricted license by calling the California DMV at 1 (800) 777-0133. Then follow the steps above.

Other related information:
If you insurance company cancels your insurance because of your conviction, you will receive a notice indicating that your vehicle registration will be suspended if new insurance information is not submitted within 45 days.

Already agreed to enter a guilty plea or didn’t request a DMV hearing?
If you think you are going to be convicted, make sure you contact an insurance broker BEFORE the conviction appears on your record. A skilled insurance broker can often times save you from being cancelled or having your insurances rates double (typical through State Farm for example) once a DUI conviction appears on your record.

Additionally, you should know that although your SR 22 can be filed electronically you should be able to get an original from your insurance company and hand deliver it to the DMV so that you don’t have to wait for the clerks in Sacramento to do their job – which they do slowly.

I recommend calling John MacDonald at 1 800 346 7370 for all of your insurance needs. John MacDonald Insurance

Or, Generally, How to Downshift Your Insurance Costs with Smarter, Cheaper Coverage

1) Nab Discounts

Most insurers offer price cuts for such things as:
- having anti-lock brakes;
- having been accident-free;
- having taken a defensive-driving course;
- using the same insurer for your home policy.

(For more info., visit the auto insurance checklist at http://iii.org/individuals/auto .)

These can take up to 25% off your premium. But your insurer usually will not come to you with them so you have to call the company and find out what the discounts are.

2) Raise your deductible.

The point of vehicle insurance is to protect you from catastrophic costs (your emergency fund should cover stuff like dents and broken windows). Raise your deductible from say $200 to $1,000 and you could save more than 40% on premiums, according to the Insurance Information Institute.

3) Prune coverage on old vehicles.

Once your vehicle is worth less than 10 times what you pay each year to insure it, get rid of the comprehensive and collision. Find your vehicle’s estimated worth at www.kbb.com.

4) Dig up competing quotes.

This is the most work but could have the greatest payoff. Go to www.naic.org to find your state insurance commission website, where you can download a vehicle insurance buying guide.

Pick the example closest to you and the 5 insurers with the lowest rates. Call them for quo