Chances are, if you live in the north and northeast, you or someone you know has hit a deer and suffered major damage to their car. The fall season is when most deer accidents occur, as this is when deer begin to mate and migrate.

So how do you know if you’re protected by your insurance if you hit a deer? A comprehensive car insurance policy will cover the expenses for repair costs in an animal-related accident.

If you’re renting a car and plan on driving through an area heavily populated with deer, your comprehensive policy will cover the rental car. If you don’t have the policy and are renting, opting for the loss damage waiver, which usually costs $9-$19 a day, will prevent you from having to fork over the money if you hit an animal.

If you are looking for affordable car insurance or want to learn more about insurance policies available for you, contact the Indianapolis auto insurance agents of Insure on the Spot at 1-888-972-SAVE.

The National Association of Insurance Commissioners (NAIC) has issued a new consumer alert suggesting the use of online rate-comparison services to most efficiently and cost-effectively find the best car insurance rates. Websites, like Insure on the Spot, that compare car insurance quotes for you help you evaluate options more quickly and with less hassle.

The NAIC also suggests finding out the level of coverage needed and to consider purchasing more protection, since this could actually save you money. Accidents that exceed the coverage’s limits means you may have to pay the difference out of pocket. Paying a little more on your insurance deductible could also save you money in the long wrong on premiums, according to the Insurance Information Institute.

If you are in the market for Indianapolis auto insurance, motorcycle insurance, commercial auto insurance, SR-22 coverage, or SR-50 insurance, contact the Indianapolis car insurance agents of Insure on the Spot at 1-888-972-SAVE.

It’s easy to be tempted to downplay some things about your driving habits when filling out your car insurance application, especially since where you park and who drives your car can affect your rates, but if your insurer finds out you could be forced to pay thousands of dollars. A new study by eCar shows that, of those who fibbed on their applications and have since had their policies revoked, 68% were woman and 32% were men.

Lying on car insurance applications is wrong, but lying about somethings carry more severe consequences than others. Lying about your car’s annual mileage could force your to pay more in insurance claims if you live in state where there are records of your vehicle’s odometer readings or smog tests.

If your insurance company finds out you didn’t add a driver to your insurance policy, they could charge you for back premiums or refuse to cover damages if the other driver was involved in a wreck. Not being honest about where you park your car, especially if it’s in a different zip code, could also result in you having to pay back premiums or not being covered for theft or damages.

If you are looking for affordable car insurance or want to learn more about insurance policies available for you, contact the Indianapolis auto insurance agents of Insure on the Spot at 1-888-972-SAVE.

According to Allstate’s “America’s Best Drivers Report,” two Indiana cities have been ranked as having the safest drivers in the country. Fort Wayne ranked 15th and Indianapolis ranked 46th out of America’s 200 most populated cities.

Allstate’s ranking is based on the collision frequency; Fort Wayne drivers have an average of one collision every 11.6 years and Indianapolis drivers experience an accident every 10.3 years. The average American driver will be in an accident every 10 years. So which city ranked number one? Fort Collins, Colorado is listed as the safest city in the country for drivers for the second year in a row. Fort Collins residents can expect an accident every 14 years, 28.6% lower than the national average.

To learn more about how to purchase cheap auto insurance, please contact the Indianapolis auto insurance agents of Insure on the Spot at 1-888-972-SAVE.

More than 60,000 elderly drivers signed up for an online driver’s education course last year. AARP’s online driving course, along with American Automobile Association’s online senior driving class, has seen a steady enrollment increase in the past few years. Over the past three years, online courses have seen a 20% increase. The rise of enrollment is most likely because older drivers, about 65 to 70 years old, can see a 15% discount on their car insurance.

Critics, however, say that online driving courses may not help elderly drivers improve their driving skills. Since none of the lessons are actually done in a car, some experts believe that the program won’t significantly affect they way people drive. But advocates claim that the four to eight hour online classes helps keep older drivers up-to-date on new car technology and changes in traffic laws. In a survey, 97% of people who took AARP’s online class said they changed at least one thing about the way they drive.

If you or someone you know is interested in purchasing auto insurance, contact the Indianapolis car insurance agents of Insure on the Spot at 1-888-972-SAVE.

Same-sex couples in states that allow same-sex marriage pay less for car insurance than heterosexual married couples by nearly 10-15%. So far, Allstate, State Farm, and Esurance have stated that they offer lower premiums to same-sex couples whether their state allows marriage, civil unions, or domestic partnerships.

Married couples as a whole often pay less than single drivers, and married drivers younger than 30 years-old save a considerable amount compared to their unmarried counterparts. Gay married couples who are younger than 30 can see a 15% savings in their auto insurance.

Same-sex couples in California, Washington, D.C., Connecticut, Iowa, Massachusetts, New Hampshire, New York, Vermont, Delaware, Hawaii, Rhode Island, New Jersey, Illinois, Nevada, Oregon, and Washington state could be eligible for lower car insurance premiums.

If you or someone you know is interested in purchasing auto insurance, contact the Indianapolis car insurance agents of Insure on the Spot at 1-888-972-SAVE.

Red light cameras have been around for several years now, but they are still causing controversy in many states. One of the main arguments against red light cameras is that their purpose is purely to gain revenue for a city by ticketing anyone who speeds or runs a red light. Officials have refuted this claim, saying that the only purpose of the cameras is to reduce reckless driving and collisions.

According to the Insurance Institute for Highway Safety, the cameras have done just that. The number of fatal crashes has greatly been reduced in many states. A new bill that is being considered would continue the use of red light cameras but standardize them. For instance, it would cap a speeding ticket fee at $50. This is much less than a normal speeding ticket given by an officer would cost.

Whether or not there is the threat of a ticket, driving safely and following driving laws should always be a number one priority. If a collision does occur, for any reason, it is always a good idea to have car insurance. If you are interested in purchasing auto insurance, please contact the Indianapolis auto insurance agents of Insure on the Spot at 1-888-972-SAVE.

SUV insurance can be expensive, but it doesn’t have to be. In fact, quotes on SUV insurance can vary widely based on the insurance company and the type of vehicle being insured. While SUVs are known to have higher rates than the average car, it is possible to find more affordable options.

Edmunds compiled a list of the “Top 10 Least Expensive SUVs and Crossovers to Insure for 2010″. The top 5 are:

1. Hyundai Tucson

2. Jeep Patriot

3. Kia Sportage

4. Jeep Wrangler

5. Jeep Compass

If you are searching for a new car that you can insure without paying a bundle, consider checking out the models above.

To learn how our friendly Indianapolis auto insurance agents can help you find more ways to save on your SUV insurance, don’t hesitate to contact Insure on the Spot today at 1-888-972-SAVE.

Hundreds of people were trapped on roads throughout the Midwest when a snow storm hit the region December 13.

Over 100 vehicles were stuck on snow-covered roads and were forced to wait overnight for snow plows to clear the way. Several instances of jack-knifed semi-trailer trucks were reported. A damage estimate for the storm has not yet been released.

High winds and icy roads can cause costly damage to cars, trucks, SUVs, and other vehicles left out in snow storms. Comprehensive physical damage coverage is a type of insurance that can help to insure your vehicle against storm-related damage.

If you are concerned about having to pay expensive repair costs for vehicle damage caused by a snow storm or other non-collision damage, contact Insure on the Spot at 1-888-972-SAVE for your free Indianapolis car insurance quote online.

Medical payments insurance coverage is  a kind of insurance that is available for drivers and is a solid investment for times when you are involved in an accident.

If you are in an accident wherein the other party has not been found at fault, medical payment insurance covers you or anyone in your vehicle that is injured. This type of insurance can also cover you if you are riding in someone else’s car or if you are injured by a car while walking.

Even relatively minor injuries can cost thousands of dollars in medical bills, so prevent you and your family from going into debt by considering whether this type of insurance is beneficial for you.

If you have questions on what type of insurance is best for you or feel as if you may not be receiving the best rates that you could, contact the Indianapolis auto insurance agents of Insurance on the Spot at 1-888-972-SAVE today.