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Some of the opponents of compulsory liability insurance have unwittingly fallen into this difficulty. They have censured the liability principle on the ground that it would help only a small number of the victims of auto accidents, and then proceeded to oppose compensation insurance because of its more complete coverage. On the other hand, the argument that compulsory liability insurance would congest the courts, would lead to fraudulent claims, and cause delays, in reality turns out to be a strong argument for compulsory compensation insurance.

Apparently there are approximately 8 percent of motorists who aren’t insured in the state. The fines for driving without a valid insurance cover in the state are quite hefty. A series of offences might require the courts to order the driver to carry an insurance certificate known as the SR 22 Certificate so that they can acquire a new driving license.

* The service record of the company. You can go to your state's Department of Insurance website and see how many complaints customers have made against the company. You can also go to the company's website to see if it's informative and helpful.

Another way of obtaining low cost auto insurance is to know the cost of the insurance of you next cars. Car insurance cost is based, among other things, on what your car is worth and what the repair costs will add up to. Low cost auto insurance companies maintain a list of the most frequently stolen cars. If your prospective car appears on this list, be ready to pay higher premiums. Investigate which cars have the best safety ratings and the lowest repair costs. Lower car repair costs often equal low cost auto insurance.

Finally, don't forget that no matter how good the auto insurance company looks and even if the premium or monthly insurance rate fits in your budget if the auto insurance provider doesn't meet your needs as a potential customer, then they really don't deserve your business. Customer service means a lot nowadays so if it takes 30 minutes to speak to an insurance representative, or if you are unable to access your auto insurance policy or account online due to constant computer problems then it may not be worth the time and aggravation even if the insurance rates really are the cheapest.

The internet is a great resource to find and compare auto insurance quotes. The process is simple and easy in most sites. All that you've got to do is to fill out the form, compare quotes and wait for the comparison chart. Insurance companies often base their pricing, taking into account, common factors like the age of the driver, residence, vehicle type, and even personal driving record. It's generally believed that younger drivers are considered a higher risk and hence are charged a higher premium. In fact there are statistical records to indicate that men are likely to cause a higher accident rate, when compared to men. Auto insurance companies are also taking note of this fact. Different companies use different formula to calculate the risks involved in each of the parameters mentioned above and it only makes sense to pick and choose from the cheapest quote.