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Five Car Insurance Trends for 2011

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Joel Ohman
Founder, CFP®

UPDATED: Mar 13, 2020

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Wondering what to expect this year when it comes to car insurance?  Will rates rise or remain the same? takes a look at the top trends for 2011:

Car Insurance Rates to Stay Competitive

Because we’re in a so-called “soft market,” car insurance companies are keeping insurance premiums low in order to compete for any prospective customers out there.

Take advantage by shopping around, even if you’re already insured!

Mileage-Based Insurance

Pay-As-You-Go car insurance is going to get more popular in 2011, mainly because it’s a new way to offer discounts to drivers.

If you don’t anticipate driving much this year, be sure to inquire about mileage-based car insurance plans when shopping for insurance.

It recently got approved in California

More Discounts for the Accident-Free

If you’re a good driver, meaning you’re able to avoid accidents and stay insurance claim-free, you might be able to take advantage of more discounts this year.

Things like accident forgiveness are growing in popularity, and could serve as a strategy to squeeze out smaller players.

Increase in Underinsured Drivers

We already know there are a ton of uninsured drivers out there (hence the need for uninsured motorist coverage), but that number is expected to increase this year.

This has to do with the bad economy and drivers cutting back to save money each month – unfortunately some may be going a little too far in purchasing things like minimum car insurance.

Car Insurance Goes Mobile

Finally, expect more car insurance purchasing and processing to take place on mobile devices.

Car insurers are launching iPhone and other smart phone apps to help customers pay their bill, file claims, and even buy insurance.

While they go digital, be sure to do the same by researching available options and gathering insurance quotes online to ensure you get the best deal.

And don’t forget to contact a local independent insurance agent to shop your car insurance rate with multiple insurers all at once, ensuring you receive the most complete coverage at the best price.

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Compare quotes from the top car insurance companies and save!

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