Five Ways for Latinos to Save on Auto Insurance; CEO of Insurance Website HablamosSeguros.Com Offers Tips on How to Lower Premiums

WHITE PLAINS, N.Y.--Feb. 1, 2006--Everyone who drives needs car insurance. What many consumers do not know is that premiums can vary hundreds, or even thousands of dollars per year. Knowing a few insurance secrets will help you to save big money. The CEO of www.HablamosSeguros.com, Dave Stafford, has five tips that are sure to save money for almost everyone searching for insurance.

    1) If They Don't Ask, Tell! - An insurance agent will typically
       ask if you have a current auto insurance policy, but won't
       inform you that you may also be entitled to a discount if you
       have been insured under someone else's policy, such as your
       parents. Tell the agent, because the discount for having prior
       insurance can be as much as 40%!

    2) Compare and Compete - Consumers who call specific insurance
       companies will get quotes from only that company. End of
       story. Even brokers that handle more than one company may not
       quote the lowest possible price. Their commissions are often
       based on the cost of the policy -- the higher the better. You
       need to insist the broker compare pricing, or use a website
       like www.HablamosSeguros.com that facilitates price
       comparisons.

    3) Shop Every Year - As time passes, many variables can reduce
       rates. Tickets and accidents generally fall off your record
       after 3 years. A clean driving record can be a huge money
       saver. One important note: companies that insure high-risk
       drivers by necessity have higher rates. Drivers will have more
       insurance options as they get older and clean up their
       records, especially if they have prior coverage (see tip #1).

    4) Life Change = Rate Change - Whenever a major change happens in
       your life, chances are your insurance costs will change.
       Getting married? Your premiums may go down (especially for
       men). Just turned 21? 30? 40? "At each stage of life,
       insurance costs tend to go down - to the insurance companies,
       older and more experienced drivers are safer drivers,"
       Stafford says.

    5) Learn the Terminology - Insurance policies are written in
       English and are hard to understand. Stafford suggests that
       using an English-Spanish bilingual website during the purchase
       process can help eliminate confusion. "By switching back and
       forth between English and Spanish while filling out the
       application, the customer can compare terms with those on
       their existing policy, and be sure they have the right
       coverage," Stafford notes.

Stafford says that by following these steps, and asking lots of questions, Latino insurance customers can be assured of getting the best deal with the right coverage.

For more information, see www.HablamosSeguros.com.