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Insurance Calculators

Written by Todd Clay. Posted in Related Stuff Last Updated: 11/20/2008

AmPm Insure

AmPm Insure

I’m a member of an insurance forum called AmPmInsure. The forum members are all very knowledgeable about the various aspects of insurance including car insurance. I even learn from the contributors. There’s a lot to know in this business.

One of managers at the forum asked if our readers might be able to use a few insurance calculators. Even though they don’t directly relate to auto insurance, I thought someone might find them helpful.

Here’s the list:

1) Life Insurance Calculator

2) Disability Insurance Calculator

3) Home Insurance Premium Savings Calculator

4) Sports Injury Calculator

5) Body Mass Index Calculator (for Health Insurance)

To see these calculators on their website, check out:
AmPm Insurance Calculators

Cheapest Car Insurance in Pennsylvania*

Written by Todd Clay. Posted in Rates Last Updated: 08/24/2009

Looking for the cheapest car insurance in Pennsylvania? Check out these auto insurance companies according to our independent research in the Keystone State.

Finding the Best Rates in the Keystone State

Finding the Best Rates in the Keystone State

Looking for the cheapest car insurance in Pennsylvania?

It could be difficult – especially if you had to call every company in the state. Getting quotes from 30+ carriers would be a pain. But don’t worry. We’ve done all the hard work for you.

Our sample rates give you a good idea of what companies charge, compared to each other, in the Keystone State. The list compiles 20 cheap car insurance companies. Notice I didn’t say ‘best’, I just said cheap.

Every driver is different. What you see below is a sample of male and female drivers throughout the state. Quotes listed are for more than the minimum auto insurance package required by law in Pennsylvania. In other words, if you get minimum liability limits from these companies, you might pay less money than what’s listed below.

Also, prices listed are NOT the same as the price you will receive from the companies below. These are NOT actual quotes from insurers. This list should serve as a general guide to help you shop – to help narrow your choices when shopping for car insurance in Pennsylvania.

*NOT an exhaustive list of PA insurance companies. Companies listed are those with the largest market share, according to the Pennsylvania Department of Insurance.

Rank

Pennsylvania Auto Insurance Companies

Average Premium

1

GEICO

$1,177.20

2

Travelers Home and Marine Ins. Co.

$1,308.80

3

Erie Ins. Exchange

$1,348.40

4

Nationwide Mutual Ins. Co.

$1,400.80

5

Donegal Mutual Ins. Co.

$1,564.00

6

Allstate Fire and Casualty Ins Co.

$1,675.40

7

State Farm Mutual Automobile Ins. Co.

$1,681.90

8

Pennsylvania National Mutual Casualty Co.

$1,771.00

9

Westfield Ins. Company

$1,877.70

10

State Farm Fire & Casualty Co.

$1,935.80

11

Progressive Direct Ins. Co.

$2,115.00

12

Erie Ins. Company

$2,213.30

13

Harleysville Preferred Ins. Co.

$2,449.70

14

Progressive Specialty Ins. Co.

$2,586.10

15

Farmers New Century Ins. Co.

$3,201.00

16

Assigned Risk Plan – Clean

$3,237.10

17

Assigned Risk Plan – Other Than Clean

$4,641.30

18

American Independent Ins. Co.

$4,870.60

19

First Liberty Ins. Corp.

$5,110.10

20

Liberty Mutual Fire Ins. Co.

$5,110.10

Note:

*NOT an exhaustive list of PA car insurance companies. Companies listed are those with the largest market share, according to the Pennsylvania Department of Insurance.

Rates collected in 2008.
All data is courtesy of the Pennsylvania Department of Insurance.
For more information, view our Disclosure.

Cheapest Car Insurance in Ohio

Written by Todd Clay. Posted in Rates Last Updated: 11/08/2008

Looking for the cheapest auto insurance in Ohio?  Check out the 25 cheapest insurers from our independent research in the Buckeye State.

Crusin' for Cheap Car Insurance in Ohio?

Crusin' for Cheap Car Insurance in Ohio

Looking for cheapest car insurance in Ohio?

Getting quotes from 50+ car insurance carriers would be a waste of a good weekend.  But don’t worry.  We’ve laid the groundwork for you. Our sample rates from Ohio give you a good idea of what insurers charge their customers.  The list compiles 25 cheap car insurance companies.  Notice how I didn’t say ‘best’, I just said cheap.

Every driver is different.  What you see below is a sample of male and female drivers throughout the state, ages 19-70.  Quotes listed are for more than the minimum car insurance package required by law in Ohio.  In other words, if you get minimum liability limits from these companies, you might pay less money than listed below.

Prices listed are NOT the same as the price you will receive from the companies below. In addition, these are NOT actual quotes.  This list should serve as a general guide to help you shop for car insurance in Ohio.

Rank

Car Insurance Companies in Ohio

Average Premium

1

Kansas City Fire & Marine

$668.16

2

Selective of the Southeast

$709.20

3

Montgomery Ward

$709.64

4

Lightning Rod Mutual

$726.33

5

California Casualty Indemnity Exchange

$758.16

6

AMEX

$779.00

7

Royal

$819.24

8

Allstate Property and Casualty

$826.92

9

Travelers P&C

$830.52

10

USAA Casualty

$867.96

11

Travelers Casualty

$875.40

12

Atlantic Mutual

$883.24

13

Cincinnati

$885.72

14

Cincinnati Casualty

$885.72

15

GEICO General

$906.32

16

Government Employees

$906.32

17

State Farm Mutual

$921.96

18

Travelers Commercial

$929.76

19

Erie

$989.04

20

State Farm Fire & Casualty

$1,014.72

21

Halcyon

$1,044.36

22

Horace Mann Property Casualty

$1,091.08

23

PRUGEN

$1,098.65

24

Progressive Casualty

$1,127.80

25

Amica Mutual

$1,133.84

Rates published in April 2008.
All data is courtesy of the Ohio Department of Insurance.
For more information, view our Disclosure.

Cheapest Car Insurance in New York

Written by Todd Clay. Posted in Rates Last Updated: 03/18/2009

Looking for cheap auto insurance in New York? Check out the 25 cheapest insurers per our independent research in the Empire State.

Did She Just Find the Cheapest Car Insurance in New York?

Did She Find the Cheapest Car Insurance in New York?

Your goal: the cheapest car insurance in New York.

Just think if you had to call every car insurance company in the city. If you called 30+ insurers, it would be a waste of a good Saturday. But don’t worry. We’ve done the hard work for you.

Our sample rates in six separate categories of drivers gives you a good idea of what companies charge for premiums. Our list compiles the 25 cheapest car insurance companies in New York. I didn’t say ‘best’, I just said cheap.

Bear in mind, every driver is different. What you see below is a sample of drivers ages 20-69, both male and female. Prices listed are NOT the same as the price you will receive from the companies below, even if you just get liability coverage.

In addition, these are NOT actual quotes from these companies. This is a general guide to help you shop for car insurance in New York.

Rank

Car Insurance Companies in New York

Average Premium

1

GEICO GENERAL INS CO

$551.80

2

ALLSTATE PROP & CAS INS CO

$566.00

3

USAA CASUALTY INS CO

$867.70

4

MERCHANTS PREFERRED INS CO

$875.67

5

GEICO IND CO

$896.97

6

NEW YORK CENTRAL MUT FIRE INS CO

$909.30

7

PROGRESSIVE DIRECT INS CO

$985.23

8

GOVERNMENT EMPLOYEES INS CO

$993.80

9

ERIE INS CO

$1,082.80

10

UNITED SERVICES AUTO ASSOC

$1,083.30

11

AMICA MUT INS C

$1,150.33

12

ERIE INS CO OF NY

$1,163.43

13

STATE FARM MUT AUTO INS CO

$1,173.10

14

LIBERTY MUT FIRE INS CO

$1,193.80

15

EVEREADY INS CO

$1,205.03

16

MERCHANTS MUTUAL INS CO

$1,236.27

17

METROPOLITAN GRP PROP & CAS INS CO

$1,256.07

18

TRAVELERS PROPERTY CAS CO OF AMER

$1,331.07

19

AUTOONE INS CO

$1,387.73

20

STATE FARM FIRE AND CAS C

$1,392.63

21

NATIONWIDE INS CO OF AMER

$1,454.47

22

RESPONSE WORLDWIDE DIRECT AUTO INS CO

$1,459.70

23

METROPOLITAN CAS INS CO

$1,514.97

24

PROGRESSIVE PREFERRED INS CO

$1,536.63

25

NEW SOUTH INS CO

$1,563.23

Rates collected in 2007-2008.
All data is courtesy of the New York State Insurance Department.
For more information, view our Disclosure.

Cheapest Auto Insurance in Texas

Written by Todd Clay. Posted in Rates Last Updated: 03/18/2009

Looking for cheapest car insurance in Texas?  Check out these top 25 companies according to our independent research in the Lone Star State.

She maybe able to save $ on her auto insurance in Texas.

She could save money on her auto insurance in Texas.

The cheapest auto insurance in Texas: that’s your goal.

However, finding it could be difficult – especially if you have to call 40+ companies.  But don’t worry.  We’ve done the hard work for you.  Taken from our sampled rates for five separate categories of drivers throughout the state, we’ve compiled a helpful list of Texas insurers.  Notice I didn’t say best – I just said cheap.

Keep in mind, every driver is different.  What you see listed below is a sample of drivers ages 18-64, both male and female.  Prices listed will NOT be the same price you get from the same company, even if you just get liability coverage.

In addition, these are NOT actual quotes.  It’s just a general guide to help you shop auto insurance – to help narrow your choices.

I hope it helps.

Rank

Texas Auto Insurance Companies

Average Premium

1

GENERAL INS COMPANY OF AMERICA

$327.28

2

ALLSTATE FIRE AND CASUALTY INS COMPANY

$332.15

3

USAA COUNTY MUTUAL INS COMPANY

$356.52

4

UNITED SERVICES AUTOMOBILE ASSOCIATION

$356.92

5

SAFECO INS COMPANY OF AMERICA

$374.04

6

GEICO

$375.64

7

SAFECO LLOYDS INS COMPANY

$413.76

8

BEACON NATIONAL INS COMPANY

$444.96

9

AAA TEXAS COUNTY MUTUAL INS COMPANY

$450.56

10

SAFECO INS COMPANY OF ILLINOIS

$462.88

11

TEACHERS INS COMPANY

$465.60

12

METROPOLITAN LLOYDS INS COMPANY OF TEXAS

$486.32

13

AMICA MUTUAL INS COMPANY

$492.32

14

SOUTHERN FARM BUREAU CASUALTY INSURANCE COMPANY

$533.44

15

STATE FARM MUTUAL AUTOMOBILE INS COMPANY

$567.12

16

GEICO INDEMNITY COMPANY

$569.12

17

PROGRESSIVE COUNTY MUTUAL INS COMPANY

$580.80

18

FIDELITY NATIONAL INDEMNITY INS COMPANY

$588.80

19

SOUTHERN COUNTY MUTUAL INS COMPANY

$603.24

20

LIBERTY COUNTY MUTUAL INS COMPANY

$618.32

21

STATE FARM COUNTY MUTUAL INS COMPANY OF TEXAS

$630.32

22

IDS PROPERTY CASUALTY INS COMPANY

$667.84

23

MID-CENTURY INS COMPANY OF TEXAS

$735.44

24

FARM BUREAU COUNTY MUTUAL INS COMPANY OF TEXAS

$740.08

25

FARMERS TEXAS COUNTY MUTUAL INS COMPANY

$765.16

Rates collected in 2007-2008.
All data is courtesy of the Texas Department of Insurance.
For more information, view our Disclosure.

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Enter Zip Code:

Car Insurance Guidebook Unravels the Car Insurance Mystery

Unless you work in the car insurance industry, the topic is probably a mystery to you. The words deductible, comprehensive, collision, liability, premium, loss of use and bodily injury are all gibberish when they reach your ears.

Unfortunately, insurance is something that you are required to have by law if you want to drive. Because of how confusing it is many people go around in almost an insurance daze while they get car insurance quotes from the auto insurance companies that they have heard of. In reality, they are completely lost as to what they are actually buying.

Instead of looking at what each insurance company offers in the terms of protection for both themselves and their car, they are instead looking for cheap car insurance. Finding the cheapest car insurance coverage makes having to buy the required product all that much less painful, but misses the whole point of having insurance.

Learning about insurance through your insurance agent or websites like Car Insurance Guidebook will give you the upper hand when you looking for car insurance. You can take your knowledge and not only find the best price for insurance, you can use it to find really great insurance to protect you and your assets. Then you aren’t stuck settling for just average car insurance that can hurt you financially if you ever need it because there isn’t enough protection.

For example, when looking for insurance the car insurance rates are just the first of many factors that need to be taken into account when you are shopping around for car insurance. You also need to take into account the type of vehicle that you are driving. Many people don’t know this.

Are you driving around a vehicle that is a new sedan and can be protected under any blanket insurance policy? Or do you have an old car that you fixed up that needs special protection and could be better covered under classic car insurance?

Don’t just assume that when you compare car insurance that it will be a one-size-fits-all policy. This is where the insurance knowledge will come in handy; you will know what you need to protect yourself and your vehicle.

You will understand what your insurance agent is talking about when they use insurance terms and you will actually be able to make an informed decision. This is much better for you instead of the “nod and smile” approach people take in their insurance agent’s office.

Also just like your life changes your insurance needs will change. This year you may just need to learn about the best deductible to have. Next year you may need to educate yourself on car insurance for young drivers. As the years pass, motorcycle insurance may be something you will need to know.

Many wise people say that you never stop learning, so take their advice and educate yourself on the insurance that you spend a lot of money on and can’t get away with not having.