Vehicle Insurance: Are You Paying More Than You Have To?

We mobile DJs spend a lot of time on the road traveling to and from events. One of the major vehicle costs incurred is insurance. We’ve got to have adequate coverage to be sure, but how much exactly needs to be spent?

There are a variety of factors that go into answering that question, and vehicle insurance quotes are definitely more science than art. To calculate them, insurance companies use complicated formulas that include your age, gender and history, as well as the year, make and model of your van, truck or car.

The good news for mobiles is that the automotive insurance industry is so competitive that discounted rates and quotes abound for savvy DJs who are willing to sniff them out.

Among the best places to look are: 1) Insurance search engines, where you can compare multiple quotes for auto insurance; 2) Insurance company websites, where you get instant auto insurance quotes; 3) Independent insurance agents, who often have access to special quotes for car insurance.

Online vehicle insurance quotes are available from all major car insurance companies. They offer a fast and convenient way to research and compare premiums. A few popular ones include: InsWeb, InsuranceUSA and InsuranceFinder. Progressive and Esurance quote both their own and competitors’ rates

Among the country’s largest and most popular car insurance providers are AIG, Allstate, Chubb, Farmers, GEICO, The Hartford, Liberty Mutual and State Farm.

In addition, getting car insurance quotes via an independent insurance agent can expose you to new resources, practical advice and, most importantly, special car insurance rates. You can find local car insurance companies at, where you can select your state from within its national automotive insurance directory. AAA and Costco are good sources for affordable car insurance quotes.

Helpful Tips

  • The best and easiest way to secure the lowest car insurance quotes is to maintain a good driving record.
  • To get better car insurance quotes, do all your insurance shopping in one place; many providers offer discounts to customers who have multiple policies with them.
  • Consider choosing a higher deductible, which typically translates into lower premiums and more monthly savings.
  • Safety can almost guarantee you better car insurance rates and quotes; for potential savings, consider taking a defensive driving course or buying a car with airbags, anti-lock breaks or an anti-theft system.

Automotive insurance rates and quotes can vary dramatically. Take the time to investigate whether you’re currently paying too much, and you might find that a change that can put some “Ka-ching” in your pocket. HAPPY HUNTING!

Do you have any additional tips that aren’t mentioned here?


  • Stacy Zemon is the Founder, Former Publisher and Former Chief Scribe of She is a veteran DJ Entertainer who is widely considered an authority on the DJ business, and has become a distinguished industry leader over the course of her illustrious 30+ year career. Stacy’s mission is to provide educational resources for DJs that support their professional growth and financial prosperity. She is a longtime writer for DJ Times magazine, and author of the world’s best-selling DJ books: The Mobile DJ Handbook, The DJ Sales & Marketing Handbook and The Mobile DJ MBA. Stacy is a self-described serial entrepreneur (Equal parts creativity and business). From her efforts, she has spawned more professional disc jockey business owners than any other person in the mobile DJ industry!

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