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Archive for September, 2010

How To Maximize Auto Insurance Coverage Policies For Family Members

Thursday, September 2nd, 2010

Insurance policies are not created simply to insure one person and one person only; they can be designed to cover multiple parties in one succinct policy. When you keep your auto insurance coverage with the same insurance company, you are increasing the odds of getting good discounts that will make your policy even cheaper. This should be an incentive to try and lump your family together and save money for everyone by using the same insurance company. The question then becomes: what types of discounts are given for families on auto insurance coverage?

First, you can get a discount for your family on auto insurance coverage by simply adding multiple vehicles to the one insurance policy. Auto insurance companies will give multiple vehicle discounts in hopes of encouraging families to come over to their insurance company for a cheaper rate. This works for many companies because the family then recommends the service to other families and eventually the car insurance company is booming.

Families can also get a good discount on car insurance policies by transferring their homeowners insurance to the same company that insures their vehicle. In many instances, the insurance company will give you a discount on your auto insurance because your homeowners insurance will be paid through your escrow on your mortgage. By saving on your auto insurance coverage, you get to see the impact of the discount immediately. This is a great secret of the auto insurance industry.

Finally, many car insurance companies will give discounts for college educated people that are referred to simply as the “education” discount. This isn’t where this type of discount ends because many companies will give discounts for being a student at the time of the policy’s inception. If you have a degree and your child is in school, you could possibly get two different discounts. And even though the education discount is generally for one person being educated, the entire policy will get the discount. This happens regardless of whether anyone else in the family has a college degree.

As you can see, auto insurance coverage affects you in many ways beyond simply the filing of claims. Instead, insurance policies that have more people and more cars will generally get a good discount from the car insurance company of their choice. If you are unsure if your auto insurance coverage is sufficient, you should contact your local agent to see if he or she can recommend some changes to be made. Not improving your situation is like throwing away money, especially when you don’t look for all of the available discounts for your family.

How To Apply Existing Auto Insurance Coverage For Car Rentals

Thursday, September 2nd, 2010

If you are planning on renting a car and are not sure if your car insurance policy covers car rentals, you should check with the insurance agent or your insurance company. In case of an accident while driving a rental car, the auto insurance coverage for rental cars will take care of all the expenses.

For you to be covered by rental car insurance, your existing auto insurance coverage must include collision, comprehensive and liability coverage. If you are not sure if the coverage applies only to the car that you are currently driving or to any car that you might drive, you should confirm your coverage with your insurance company. For example, let’s say that you have comprehensive and collision coverage, but the coverage is specific to the car that you are currently using. Now, if your rental car is involved in an accident, all the expenses for damages and injuries will be your responsibility. On the other hand, if you have collision coverage on your rental car and you happen to damage the rental car, the collision coverage will cover you. However, you may have to pay extra deductible for the extra coverage.

The comprehensive coverage will take care of fire, theft, animal collisions or vandalism. Again, because the comprehensive coverage is an extra coverage, you will need to pay the deductible for that as well.

In the event of an accident, any damages or injuries that you cause to someone else and all medical expenses that may arise will be taken care of by your liability insurance. You will be covered by the liability coverage up to the limit of your policy. However, you must remember that if you have only liability insurance, it only covers the driver and not the car itself. Just like the collision and comprehensive coverage, the liability insurance will also be an excess coverage.

Some insurance companies also offer a special coverage or endorsement policy that covers non-owned cars. However, this policy comes with a catch. If you damage your rental car, the premium on your regular car insurance will increase.

It does not matter whether you have your own auto insurance coverage that covers car rentals or you buy coverage from the rental agency. You just need to make sure that you have sufficient coverage to take care of costly repairs if you happen to be in an accident in a rental car. If you are not sure if your insurance policy covers rental cars, you can speak to your insurance agent to find out. Whether you are planning a business trip or a long drive with your family, make it a safe one by applying for rental car coverage.

How Insurance Agents Advertise Services Through Auto Insurance Quotes

Thursday, September 2nd, 2010

In order to find a good auto insurance policy, many drivers decide to use the wealth of resources on the Internet to drive down policy prices and increase coverage limits. There are hundreds of specialized websites set up to offer free auto insurance quotes from multiple insurance providers while requiring very minimal information from drivers. This can make it easy to quickly compare the advantages and disadvantages of different insurance policies, providers and coverage levels. However, drivers aren’t the only ones profiting from the explosion in online car insurance aggregate websites. Insurance agents use Internet quote websites to their advantage, and often treat these websites as an opportunity to promote their services.

In order to promote their services to drivers, insurance agents allow aggregate websites a direct line to their quote generation tools and algorithms, sometimes offering a special quote generation tool or web page designed specifically for each aggregate website that requests help. In other words, insurance providers make it very easy for an aggregate website to find out exactly what a driver will need to pay for a certain auto insurance policy and offer streamlined access to other information about each policy (coverage limits, etc). Most auto insurance companies even provide a commission for every new application that is received through the aggregate website. For insurance providers, this can be an obvious step, as it gives the insurance aggregates an incentive to find new business and new auto insurance policy holders.

For drivers, the special relationship between auto insurance companies and insurance quote websites is very beneficial and improves competition. Insurance providers want to get new drivers, so they’ll often offer special discounts and preferential rates to shoppers who use aggregate websites. This can help push down the cost of auto insurance. However, it’s still important to read every quote carefully and learn to recognize the differences between a good car insurance policy and a bad one. It’s also important to realize that some aggregate websites are set up as scams and always list certain insurance companies as the best possible options for a driver—even when another insurer would be a far better choice. Drivers can avoid these pitfalls by reading policies carefully and making smart decisions about coverage limits and other aspects of a car insurance policy.

Insurance agents promote their services through online auto insurance quotes, and for drivers, this is mainly a good thing. Aggregate websites make the auto insurance buying process much easier. However, there’s still no substitute for knowledge, and learning about your auto insurance policy is the best way to find solid coverage and affordable premiums.

How Auto Insurance Premiums Can Be Lowered For Commercial Vehicles

Thursday, September 2nd, 2010

Commercial vehicle owners pay more for their vehicles than most private individuals. However, it’s always possible to find lower auto insurance premiums, and this is especially true for commercial vehicles. By manipulating your insurance, looking for special discounts and taking the time to look at various quotes for your vehicles, you can greatly reduce the cost of your commercial vehicle insurance without putting your business at risk.

The first thing that you’ll need to do to get the best insurance quote possible is to assess your insurance needs accurately. This starts with figuring out how much coverage you’ll actually need. In general, it’s a good idea to opt for higher liability coverage for commercial insurance than you’d get for a private vehicle. This will raise quotes, but you can often push them back down by taking advantage of special insurance offers for commercial vehicles. For example, low mileage discounts are often easier to get with a commercial vehicle, or if you’re not planning on using the vehicle year-round, it may be possible to get seasonal insurance that automatically lowers coverage levels in your “off” season. It’s a good idea to talk to a trustworthy insurance agent to try to find special discounts, but realize that insurance discounts will vary between providers.

As with any type of vehicle, it’s helpful to get multiple insurance quotes on commercial vehicles to get the lowest possible auto insurance premiums. Looking at a few quotes (and taking the time to read through them) will help you understand some of the key differences between insurance for commercial vehicles and insurance for private vehicles. You can use online aggregate websites to look at several insurance quotes for your vehicles at the same time, but be sure that they’re specifically set up for commercial vehicles. Remember, looking at private insurance quotes won’t do you any good, so don’t waste your time. Look for accurate quotes from dependable websites, and be ready to call insurance agents from the companies that you’re considering if you have any questions at all.

Your auto insurance premiums will be much more manageable if you review them every six months or so and switch insurers when necessary. Business owners who have several company cars can also get special fleet vehicle programs from their insurance company, and there may be other special deals available to you. The important thing is to do research and ask agents for their best tips. You’ll be able to get a great commercial car insurance policy once you modify your policy to fit your needs, and that starts by knowing exactly what your options are.

Finding the Right Type Of Auto Insurance For Refurbished Vehicles

Thursday, September 2nd, 2010

Refurbished vehicles, or salvaged title vehicles, are those vehicles that were previously salvaged vehicles, but have now been repaired and restored to a good condition. A refurbished vehicle will have a rebuilt title in its history report, and the rebuilt title informs the consumer that the vehicle is refurbished. An inspection of refurbished vehicles is required in most states before they are allowed on the road. Auto insurance is a must for all vehicles, and refurbished vehicles are no exception.

Buying a refurbished vehicle is cost effective, but it must be thoroughly checked before you make a decision to buy one. It would be a good idea to get the vehicle inspected by a good body shop or a certified mechanic. After you have decided on a refurbished vehicle, it is time to hunt for insurance companies that will provide auto insurance for these kinds of vehicles.

Most insurance companies will be willing to provide limited auto insurance coverage for refurbished vehicles. However, due to the higher safety risks in these types of vehicles, some insurance companies might be wary of providing coverage. In order to reduce their risk in providing insurance coverage, some insurance companies will only provide liability coverage for salvage titled vehicles. Liability-only insurance will cover bodily injury and property damage. It might also include uninsured and underinsured motorists’ coverage. Beyond this, very few insurance companies will provide any other type of coverage. Refurbished vehicles will most likely not be eligible for comprehensive and collision coverage, which covers the vehicle from fire, acts of nature, theft and collisions.

Before deciding on a refurbished vehicle, you should speak to an insurance agent and explain the vehicles history and enquire about available coverage options. Because not all insurance companies will be willing to take the risk of insuring salvage title vehicles, you might have to check with many different insurance carriers. In addition, because the coverage options for salvaged vehicles are limited, you might have to go with whatever is offered. If you are unable to find a policy that is satisfactory, you might want to rethink your decision to buy the vehicle.

There are many factors that must be considered before buying a refurbished vehicle. Not only should you do a thorough check of the condition and the history of the car, you should also check about the risks that the vehicle might pose to you and to others. Because auto insurance for refurbished vehicles is not that easy to come by, it would be a good idea to at least settle for limited insurance. After all, some coverage is better than no coverage.

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