Description: Generic auto parts commonly includes hoods, trunk lid, door shells, fenders and bumpers as well as batteries, spark plugs and air filters. To get certification which many insurance companies required, the replacement parts are tested by the Certified Automobile Parts Association which has an independent laboratory in Michigan. As Jack Gillis, Executive Director of this Association stated, 'We test for thickness, resistance, fit, appearance issues and a part simply, we will not get a seal approval until we are assured that it’s matches or superior to the car company parts which replaces.' According to Joan Claybrook, an end-user advocate, that the generic auto parts has critic competition to the auto parts market which helps to lower its prices and brought down the auto insurance premiums which is good for the consumers. Here are some of the price comparison between the original parts against the generic replacement parts. The 1994 Ford Explorer’s front fender sells for 257 dollars by the original and its replacement part is available for only 113 dollars. A 1999 Toyota Camry front fenders cost 235 dollars on its original parts while its replacement cost for only 144 dollars. Non-original equipment manufacturers generally run 25 to 40% less. Carolyn Gorman from the Insurance Information Institute stated that 'Not everyone has a car accident but everyone shares in a law in a form of premiums. Replacement parts keep cost down'. Most auto insurance companies clearly disclose the use of replacement parts and many allow the policy holders not to use them as they so desire and satisfaction is guaranteed. According to insurance companies they get few complains about replacement parts and no replacement parts has ever been subject to a government recall. This website provides free rate auto insurance quotes with ideal policy coverage. Just simply select your state and get your affordable and cheap auto insurance quotes. Get your quotes now!