During these hard economic times, it pays to really scrutinize auto insurance providers. Two of the most prominent providers in this niche are AAA Insurance and Acuity Insurance. Let’s see how these two providers fare under our scrutiny.

Auto Insurance from the ‘Triple A’ Company

AAA (American Automotive Association) is actually known more for its road assistance services such as towing, tire change assistance, car batter replacement and others. However, since it already deals with automotive concerns, it’s but natural that it also offers auto insurance. Actually, AAA, also known as Triple A, has grown into an all-you-need provider for one’s travel needs offering vacation deals, car rental sources, concierge options, and many more. For the purpose of our article, however, let’s focus on its car insurance services.

For starters, AA offers three types of auto insurance: coverage for others and their property, coverage for you and your passengers, and coverage for your assets.

As regards savings, AAA is quite known for the various discounts you can avail of when getting auto insurance from them. For instance, it offers discounts to those who fit their vehicles with an anti-theft device. They also look favorable on you if you have more than one vehicle ensured with them so now is a good time to rope all the car insurance plans of your family members under them. And since AAA also offers other types of insurance (e.g., life, health, etc.), if you sign up for these other coverages you can expect your premium to receive another round of discounts.

As AAA offers many services, their website can be a tad confusing. However, it’s worth the few minutes you need to spend to get used to it. After you fill out the form and somebody gets in touch with you, don’t forget to ask and/or discuss in detail all the possible discounts that can come your way.

Acuity – Straight-Forward Car Insurance

Acuity is a regional firm that also serves up a wide array of personal and commercial automotive insurance products and services. However, it’s not trying to be the provider of every little thing you need while on the road. As a result, the auto insurance plans are more straight-forward. To get a quote though, you need to get in touch with one of their agents. On their website, simply select your state and city and a list of available agents will be provided for you to contact.

This may seem dated since most providers simply fill out an online form. However, for those who have quite a few questions and want to hear things first-hand, then this will work for you.

Getting awesome deals means shopping around. This rings true whether it’s for buying household items or acquiring vehicles. The way to get the most savings is to look at different firms offering the same product. People who shop right for auto insurance usually wind up with huge amounts of money saved. So do compare, compare and compare some more when picking decent auto insurance. And be sure to include AAA and Acuity auto insurance on your list of possible insurers.

Other then offering AAA auto insurance and home insurance, AAA offers many other services, such as travel needs, car rentals, bookings on cruise lines, discount travel. For your car shopping needs new or used, AAA can provide you with buying tips and car loans, online maps, a convenient alternative to cumbersome printed maps are also available through AAA, a helpful trip advisor; and point-to-point driving directions.

To be an AAA member is to have many privileges. In addition, extra assistance through AAA Automobile Club and Automobile Association is also available. Their financial services include foreign currency exchange and travelers checks – very wise choice for international travelers, feature-rich credit card offers are also available along with car loans.

Founded in 1902, The American Automobile Association was at the beginning created by one thousand auto lovers after realizing that security and roadside assistance was lacking on highways, eventually, little by little different local and regional auto clubs joined the venture and became what it is today with a tremendous road side assistance through the entire United States also affiliating themselves with the CAA (Canadian automobile association).

Do you trust your mechanic? Are you questioning his honesty? Have you ever wonder why you paid so much for your last car repair? Was the car part he changed still good? If you asked yourself any of these questions then you are not alone and help is on the way! The AAA has an approved Auto Repair Network of over 7,700 shops throughout North America which can provide automotive repair services to all his members and guarantees their work for 12 months or 12,000 miles!

AAA auto insurance is also available for teenagers unfortunately like most insurance company, the premiums are high. The first reason that premiums are high for 17 year old car insurance young drivers is their lack of driving experience. You will need to have, at the least, over three years driving to be quoted a lower rate.

Next is their age itself.. If they are under the age of 25 the rate will mostly likely be fairly high. Normally a single male driver rates higher than a single female. This is because males are rated as a higher risk to insurance companies.

A 17 year old car insurance policy makes a young driver feels a sense of independence when they begin to drive. It is actually the beginning of responsibility. It is important as a parent to encourage your young driver to have confidence when driving to avoid any fear they might have on the road, to prevent any accidents.

That 17 year old insurance policy at that age will double or triple in premiums if any accident, ticket or a suspension occurs. As adults, when we have any infraction on our driving record it increases our premium and it hurts our pocket, just imagine being a young driver. Paying for their premiums may help young drivers learn the importance of taking care of what they have and what it means to have special privileges such as driving a car. We must encourage them to realize how car insurance is important and how they must carry the proper types of coverage on the car.

Before it is time for that 17 year old insurance policy to be issued, parents must help out in getting the right vehicle picked out that best suits their budget. We must explain that a regular sedan or simple vehicle is cheaper in price for insurance then a sports vehicle or sports utility vehicle. As a parent we should have the last decision-making on which vehicle they should purchase at the beginning and explain to them how important it is to obey the laws of driving.

The most important thing is to instill in our young drivers is the importance of keeping their motor vehicle record clean so they are not paying outrageous premiums. It is important to drive safely, not only for them but for everyone else on the road as well. We might be driving carefully but perhaps the person in the other vehicle does not have the same mentality. We must encourage them to keep their eyes on the road and not to get distracted by anything else or they will see very soon their 17 year old insurance policy disappear.

Keep in mind that we were young once. It is exciting for them to feel that sense of independence behind the wheel. So my word of advise to young drivers is, keep your chin up and eyes focused to keep your pocket full.

Saving money on car insurance requires a combination of techniques that improve your insurability, decrease the rate of insurance for your vehicles, and provide you with a unique advantage when it comes to purchasing car insurance.

This article will outline seven techniques that will ensure that you receive the lowest possible car insurance rates.

1 – Choosing the Best Insurer

Cost is certainly one factor when considering car insurance, but your insurer selection should be weighted more heavily on reliability. You could easily call a number of insurance companies, ask for quotes, and simply select the lowest bidder. However, even if the lowest cost insurer saves you hundreds of dollars a year in premium payments, that savings does you no good if you find yourself in an accident, needing car repairs or medical attention, with an unreliable and unresponsive insurance company. A good company is crucial. It’s not just about car insurance best rates.

#2 – Customize Your Policy

Before you begin calling around, it’s important that you determine the level of insurance coverage you need. Not everyone’s insurance needs are the same. Some families own two or three very expensive vehicles, while other families own only older used cars. Some people are members of AAA, while others are not. The specific terms of a policy should be determined by your life situation and the value of the items being insured.

#3 – How to Become Highly Insurable

Whether you’ve already purchased car insurance, or you are getting ready to start looking, one of the best things you can do to obtain the lowest possible rates is to improve those things that car insurance companies look at when they calculate your insurance premium. There are several things you can do in the short term to improve your insurability standing, and there are also things you can do over the long term to improve it as well. This section will describe four major elements of this technique to save money on your car insurance.

#4 – Reduce Your Car’s Insurance Rate

Another extremely effective technique to obtain the lowest possible insurance rate is to improve those things about your car which car insurance companies value the most when they calculate your insurance premium. There are several things that you can do before buying a car that will dramatically decrease your insurance premium. If you’ve already bought a car, however, and are looking for ways to decrease your existing insurance costs, there are still methods you can use that will substantially cut your premium costs.

#5 – Gaming the System

In addition to all of the techniques already listed in this article, there are also additional ways that you can use the insurance industries rating rules and premium calculation system in ways that will reduce your costs. Again, use the industry’s rules to get car insurance best rates.

#6 – Constantly Update Your Policy

One of the most important things that you can do to keep your insurance premium at a minimum is to always remember to update your insurance provider of any changes in your life that can reduce your insurance costs. Forgetting to do this can be very costly.

#7 – Deciding on Liability Only

There comes a point in the life of a car when the decision needs to be made whether or not it is worthwhile to maintain collision and comprehensive insurance coverage.

Getting Rock Bottom Insurance Rates

If you carefully follow each of the sections outlined in this guide, you are guaranteed to receive the lowest possible insurance rates for anyone within your calculated risk bracket. No one should ever overpay for car insurance – especially given the fact that there are so many insurers in the industry competing for your business.

Most people overpay for car insurance out of sheer laziness. However the consumer that understands how car insurance works, and is clever enough to take advantage of all of its loopholes, will save significantly on their premium in the long run.

Before you step foot into another insurance office, or visit another insurance website, make sure to print this guide and follow it carefully in order to ensure that you get the best insurance deal possible. Remember, car insurance best rates are achievable.

AAA stands for the American Auto Association. Their name is well known and respected and they have 100 years of experience. They offer many services including travel and lodging; auto buying, leasing, renting, and repair; financial services such as loans and credit cards; as well as car insurance. They represent many highly rate car insurance companies and if you are in the market for some car insurance, AAA is a great company to explore.

Your best bet is to do a little shopping online and compare AAA to the competition. Most companies offer free online quotes with no obligation to buy. AAA is no exception. In a few simple steps they will give you estimated quotes from up to six different insurance companies to compare what your car insurance rates would be. Compare these quotes and make an informed choice that is right for you. Car insurance has never been so easy.

If you are already a AAA member, getting auto insurance with them is a given as you could save an average of $550 annually. In addition to that you get convenience, choice and protection through AAA Car Insurance.

AAA also offers a multitude of discounts to keep your premiums down. Check to see if any of these discounts would apply to you.

? Driver Side Airbags
? Alarms
? Good Driver Record
? Seat Belts & Anti-Lock Brakes
? Driver Training & Defensive Driving Courses
? Mature Driver: For drivers between 50-65 years old.
? Multi-Car: For those insuring more than one car with the same company.
? Multi-Policy: For those insuring both their property and their automobiles through the same company.
? Good Student: For those drivers under the age of 25, who have maintained a B average for the preceding semester in high school or college.

Having a membership with AAA has a lot of benefits and lower premium car insurance is a really good one. I highly recommend exploring this option before making a choice on car insurance.