Premier Auto Quotes
Request A Free Auto Quote
Tired of being contacted by multiple agencies? At Premier Auto Quotes, we promise that only one agency will contact you. Within 24 hours we will match you with your best options.
Get Your Free Auto Quote In Minutes!
Auto insurance customized for you.
Standard Auto
Standard Auto insurance (traditional auto insurance) offers coverage for a flat monthly rate, no matter how many miles you drive in the month, relying on factors like accident history and age to determine your risk.
A standard insurance policy provides conventional coverage for drivers considered low-risk by insurance companies. Insurance companies categorize drivers and coverage tiers to help calculate their risk exposure — to minimize the likelihood of having to shutter the business due to taking on more risk than they can potentially afford to pay out. These drivers, who typically have good credit, incident-free driving histories, and drive moderate cars, are able to acquire affordable car insurance rates from any of the “big name” insurance companies. As long as you have an average driving history without a pattern of serious infractions or violations, you can expect to get decently priced quotes from many insurance companies.
This is the preferred tier of coverage, and it typically offers the lowest insurance premiums for good drivers with excellent driving histories and credit. Customers that fit this mold will save the most money because of the lower risk they pose to their insurance company.
Pay-Per Mile Auto | Only Pay For Miles You Drive
If you’re parked at home more than you’re on the road, you could be saving. Working from home? Shorter commute? Both could be saving you money.
Pay-per-mile Auto Insurance is poised to be the new trend in car insurance, and it just might be the best kind of insurance for your lifestyle. With Pay-Per Mile auto insurance, your monthly rate directly depends on the number of miles you drive. Traditional insurance (standard auto) offers coverage for a flat monthly rate, no matter how many miles you drive in the month, relying on factors like accident history and age to determine your risk. Pay-per-mile policies will take these factors into account to help price your insurance, but your rate will be broken into two components: a flat, base rate and a variable, per-mile rate. This type of auto insurance is Aimed at drivers with low annual mileage including stay-at-home parents, retirees, and telecommuters, the plan promises the potential to pay a lot less for car insurance than traditional policies and It comes with the same reliable coverage and claims service you expect.
Pay-per-mile Auto Insurance operates on a prepaid account system, where the insured puts money into the account and sets up automated replenishing of the account via an associated credit card. While some programs that give discounts for driving fewer miles allow self-reporting of mileage, this program calculates mileage on a daily basis, which makes a device necessary for the sending of ongoing data back to the system.
Non-Standard Auto
If you’re ever denied insurance coverage from an insurance company or issued a non-renewal, there’s a possibility you’ll need to seek a non-standard auto instead. These policies are reserved for high-risk drivers and are typically more expensive than standard car insurance policies because of the increased liability high-risk drivers present to an insurance company. Though the level of coverage options differs from insurer to insurer, non-standard drivers can get their bases covered — but be prepared to pay for it.
The buying process for both standard and non-standard car insurance policies remains the same for the most part — but depending on why you need a non-standard insurance policy, the process may differ. For example, if you need to file an SR-22 after a DUI conviction, you’ll need the insurance company to file this form on your behalf to prove to the state that you’ve acquired adequate car insurance to drive legally.
What people are saying about Premier Auto Quotes
Whenever I have questions they always have the answer’s. And I like having someone local to talk to.
Marie S.
Your agency is always very responsive to my insurance needs and requests.
Pamela K.
So far so good. I’ve been satisfied with the prompt attention and getting things done for me.
Patty R.
These people strive to help you weather its giving the fairest price quotes or another insurance needs. I appreciate the hard effort in the work that makes me happy in the long run. Thanks
Jason H.
We’re making insurance surprinsingly painless
Let’s be honest. Insurance can be painful. And complicated. And too expensive. But guess what? It doesn’t have to be.
That’s why we are on a mission to make it simple, transparent, and affordable.
We’re making insurance surprisingly painless at Premier Auto Quotes
Let’s be honest. Insurance can be painful. And complicated. And too expensive. But guess what? It doesn’t have to be.
That’s why we are on a mission to make it simple, transparent, and affordable.