Step 6: Do not release insurers too early Do not relieve your insurance company of its responsibility until damages are settled to your satisfaction. For example, have your insurance company handle claim if other party's insurance company questions its policyholder's negligence or offers an unacceptable settlement.

Step 7: Consider these settlement factors . Bodily injuries: You may be entitled to a monetary settlement for injuries caused by another at fault (liable) party. It can take several days for some injuries to become apparent. . Damages: The insurance company is responsible to pay for reasonable cost of repairs to your vehicle. An insurance adjuster will assess damage. Usually, insurance companies and auto body shops negotiate disagreements about what should be repaired. If you disagree with their conclusions, you have right to obtain another appraisal at any auto body shop. . Appraisal clause: Most auto insurance policies include an appraisal clause, which can be used to help settle disputes about physical damage claims between you and your insurance company. (The appraisal clause does not apply for claims you file with other party's insurance company.) If you cannot reach an agreement with your company, you or your insurer can initiate appraisal clause. Your appraiser and your insurer's appraiser then select an independent umpire to try to resolve dispute. Check your policy or ask your agent or insurance company for more information about appraisal clause.

And that is it. While filing a claim is certainly no fun, following these seven steps will make process almost as easy as getting free quotes and purchasing your car insurance at http://www.carinsurance.com.

Visit http://www.carinsurance.com For Your Free Quote

Jon Register is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.

. Accident Claims A driving record that is clean and free of accidents will hold fare better for you than lots of tickets and/or accidents.

. Credit Rating Many insurance companies view having a poor, or even no credit history as suggestive of higher risk and thus, charge you a higher premium.

. Occupation Insurers have statistically found a correlation between your occupation and risk. For instance, a newspaper delivery person is most likely a higher risk than personal banker sitting at their desk all day.

Other factors that help determine premiums: . Driving distance to work . Miles driven each year . Years of driving experience . Business use of vehicle . Whether or not you currently have auto insurance . Theft protection devices (often results in discounts) . Multiple cars and drivers (another opportunity for discounts)

What can I do right now to make sure I have lowest premium?

Shop around and compare quotes from different insurers. They base their premiums on their claims experiences, which naturally differ. One company may see your area as a higher risk than others may. Another may charge more because of your occupation. Shopping at http://www.carinsurance.com makes it easier because you can quickly see multiple companies and their rates for your particular situation. Where do I go for quotes?

One stop can take care of it all. Go to www.carinsurance.com where you can receive multiple quotes, pick best price, and then purchase. Get covered immediately on-line or over phone. It REALLY is easiest way to purchase car insurance.

Visit http://www.carinsurance.com For Your Low Premium Quote

Jon Register is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.