Auto Insurance Buying Tips

1. Work with an independent agency like Beauchamp & McSpadden. We have access to many auto insurance companies and can provide you with competitive quotes.

2. Before you buy a car, ask your agent about insurance costs.

3. Ask for higher deductibles.

4. Reduce coverage on older cars.

5. Buy your Auto and Homeowner insurance from the same provider.

6. Maintain a good credit record.

7. Take advantage of Low Mileage discounts.

8. Drive Clean -- no tickets, no accidents .

9. Seek out other discounts: Insurers will often give credits for Good Students, membership in certain associations, college graduates, saftey equipment installed in your auto, and many more.

10. Learn more about auto insurance Click here

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Auto Insurance 101

Why do I need auto insurance?

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Auto Safety Headlines

Nov 25 • Top Safety Pick winners represent 11 of the 12 vehicle categories tested in Institute crashworthiness evaluations • 72 winners by vehicle class • Collisions with deer and other animals spike during November, HLDI finds • New school buses must have higher seat backs, and small buses have to have shoulder belts in addition to lap belts under a new federal rule • Motorcyclists died in record numbers in 2007, while deaths in passenger vehicles fell to the lowest toll ever recorded Read more

Sep 25 • Four small cars, two midsize cars, two midsize SUVs, one large luxury car, one small pickup, and a midsize convertible are the latest winners of the Insurance Institute for Highway Safety's Top Safety Pick award. Winners afford superior overall crash protection among the vehicles in their classes. Read more

Aug 12 • The 2008 Audi Q7, a large luxury SUV, earns the Insurance Institute for Highway Safety's Top Safety Pick award. Winners afford superior overall crash protection among the vehicles in their class. The Q7's award applies to models built after December 2007. Read more

Car - Deer Collisions: No winners here!

deer accident photo

deer crossing sign

The average cost per insurance claim for collision damage is $2,800, with costs varying depending on the type of vehicle and severity of damage. When you factor in auto claims involving bodily injury, the average rises to $10,000.

High risk times are from dusk to dawn, all year round.

Watch where it came from...more might be following

Stay alert in high deer population areas.

Brake and stay in your lane to avoid a serious crash.

Call the police or sheriff's department right away.

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