Types of Car Insurance Coverage- Get to Know Them Better

December 6th, 2011 jess Posted in Insurance Categories No Comments »

When I was a kid, my father used the same insurance carrier and the same insurance agent for his entire life.  They say it was a different age, and I agree; it was an age where people didn’t know any better, so they paid twice as much as they should have for coverage and services that they didn’t need.  Comparison shopping and cutthroat competition have driven prices to historic lows, as long as you know what it is you are paying for. So let’s make sure you do know what car insurance covers.

Liability: What People Who Care about Other People Need

Liability insurance, of any type, is protection against unforeseen damages.  When it comes to car insurance, this obviously translates into any damage that you cause because of an accident or reckless driving.  Liability insurance doesn’t do anything about the damage that you may have caused to your car or to yourself. Instead, it makes sure you can do the right thing by covering any damage you cause on one of those mornings from hell when nothing goes right. If, however you don’t give a damn about the damage you might cause, the government does. Almost every state requires that you carry this insurance.

Collision: What People Who Care about Their Stuff Need

Collision insurance covers all of the damage that is done to your car in the event of an accident.  Barring incredible personal wealth, or a car so crappy it doesn’t warrant replacing, most people decide to carry some amount of collision insurance in addition to the state mandated minimal amount of liability insurance, because, even if it is their fault, they want to be able to repair their car. This coverage can be pricey, so sometimes it makes sense to keep a nest egg worth the value of your car instead.

Comprehensive: What Paranoid People Need

At the risk of explaining the self-explanatory, a comprehensive policy covers everything that could happen to your car other than an accident.  While it provides incredible piece-of-mind, it’s also relatively pricey and usually unnecessary.  Window glass coverage is the most convenient feature of this insurance.

The average person is going to have approximately no bears attack their car, and, over the course of their life, be caught in, on average, zero total sinkholes. Sure, your car could be stolen if you live in a bad neighborhood and /or can’t remember to lock your doors. Over five years, you could save enough money for a car worthy of your neighborhood instead of paying for comprehensive. If you own an expensive car, it makes sense to carry this type of insurance, but if that’s the case, you probably have enough money to buy a new one instead.

Uninsured Motorist Protection: What Victims Need

As shocking as it may be for some people to learn, not everyone follows the law or cares about the property rights of other people.  If you are worried about being involved in an accident with one of these social miscreants, than uninsured motorist protection is for you.  Luckily, this type of policy is relatively cheap compared to the amount of piece-of-mind that it provides.

Personal Injury: For People That Care About Themselves

If you listen to the media, you would think that people who are injured in car accidents are instantly awarded million dollar settlements.  Unfortunately, even in the event of a clear-cut case of fault, legal proceedings can take years.  If you get hurt in an accident, and don’t have personal injury insurance, or high quality personal health insurance, you could be stuck paying a ton of medical bills while you wait for your court awarded novelty check.


SR-22 Filings – What Does That Mean?

September 3rd, 2011 Chad Posted in Insurance Categories No Comments »

If you have been charged with a DUI, reckless driving, or driving without insurance, you have likely heard a police officer mention SR-22 filings. This legal requirement can have a substantial impact on your driving record and insurance costs. The guide below explains what SR-22 is and how it affects you.

What Is SR-22?

SR-22, otherwise known as State Requirement 22 or a Certificate of Financial Responsibility, is a form proving that you are carrying at least the state-legislated amount of liability coverage. The purpose of the filing to is guarantee to the state that you have the financial capacity to pay for (through insurance) any future damages or injuries your driving behavior may cause.

Common reasons for needing an SR-22 include the following: failure to show proof of insurance, driving or causing an accident without insurance, serious moving violations, too many violations and/or points during a certain time period, DUI or DWI arrests, and license reinstatement after a DUI suspension.

The states of Florida and Virginia use FR-44, which is similar to the SR-22 form but typically requires higher insurance coverage. Seven states do not legislate SR-22 filings but may require new residents to continue filings in their previous state: Delaware, New York, North Carolina, Kentucky, Minnesota, Oklahoma, and New Mexico.

How Do I Get a Financial Responsibility Form?

When you are ordered by a court or mandated by law to provide an SR-22, you must contact your insurance company, which will then mail, fax, or electronically submit the required documentation to the state department of motor vehicles. If you do not provide form SR-22 by the time it is due, you risk a license suspension or other penalties.

In Colorado and several other states, an individual can obtain an SR-22 form directly from the agent at the time liability insurance is purchased. The insured person can take the physical form to the state department of motor vehicles in order to fulfill the SR-22 requirement instantly. The insurance company then takes over handling any future filings.

For online auto insurance purchases, very few insurers give drivers an actual form to carry around with them. Instead, the insurance company communicates directly with the state agency, and the status of whether or not an SR-22 form has been filed shows on a individual’s motor vehicles record. Law enforcement personnel can access the record during traffic stops.

Insurance companies such as GEICO, Progressive, and Safeco allow new customers to purchase SR-22 insurance by selecting an option during the free online quote. Existing customers can call the customer service phone number and request assistance with a filing. Most insurance companies not only take care of the initial SR-22 paperwork but also file the request to remove an SR-22 status when the probationary period is over. Filing fees vary by state and by insurance company. For instance, Viking Insurance does not charge an extra fee for an SR-22 filing, whereas 21st Century charges $10. Average fees range from $15 to $25.

What Happens After I File an SR-22?

After an insurance company is notified of the need for an SR-22 form, the company may raise rates due to riskier driving behavior, choose not to renew a policy, or maintain premium levels because you have purchased specific SR-22 coverage.

For example, premium drivers who get a DUI with State Farm Mutual Insurance Co. may be moved to the State Farm Fire & Casualty subsidiary for standard and high-risk drivers. Companies like The General specialize in high risk drivers, so premiums usually remain stable before and after an SR-22 filing.

Depending on state laws, your insurance company may have to file an SR-22 for up to three years. When the SR-22 filing period ends, the motor vehicles status is removed but the risky driving behavior may keep insurance premiums high for several more years.

Cheap Car Insurance For Single Moms

August 8th, 2011 Chad Posted in Insurance Categories No Comments »

Single moms, in fact, all women, have it better than men do when it comes to car insurance rates. Insurance companies consider women safer drivers than men, and statistics back this up. According to the Insurance Institute for Highway Safety, accident statistics for males and females reveal interesting information that translates into cheaper insurance for women. Based on 2009 data, 70% of all traffic-related deaths were male. Over 90% of motorcycle deaths were male, as well as 87% of bicyclist deaths.

To be fair, however, statistics also show women log fewer miles on the road than men. But they also tend to practice safer driving habits, such as consistently wearing seat belts, driving posted speed limits, obeying traffic rules and not driving under the influence of drugs or alcohol. The good news for women, especially single moms, is that this all adds up to cheaper insurance rates.

Cars and Child Safety

The most precious cargo is your child, and single moms do double-duty in protecting their child since there is no partner to help. Buying a car with all the latest safety features protects your child and yourself, while paying off big-time when it comes to insurance premiums. Newer cars have enhanced safety features such as side impact airbags, reinforced roofs to protect occupants in rollover crashes and advanced seat belt and headrest technology. Every year, the Insurance Institute for Highway Safety ranks the safest cars, which are also the cheapest to insure. Many of the safest models are SUVs and minivans, including the Toyota Sienna, Ford Flex, Honda Element and Volkswagen Tiguan. The list includes over 60 different models, and it’s a great idea to check the list if you’re in the market for a new car — just type “top safety picks” and the year into your computer browser.

Discounts and Bundling

The first rule about insurance discounts — just ask! Like many things in life, you don’t get if you don’t ask. Insurance companies have numerous discounts to help drop the price of your coverage. Is your child a stellar student? Most insurance companies will give up to 25 percent discounts for students with a B-average or higher. If you drive without an accident for one year, you may be able to get a good driver 10% discount. Paying your insurance all at once is great if you can afford it, since you have now given yourself a discount by avoiding the finance charge. If you need any coverage such as homeowner’s or renter’s insurance, bundle it with your car insurance and save money. Adding more than one car onto a policy is another great way to bundle and save.

After exhausting all the discounts, see if you can pare down your coverage. Drop towing insurance, especially if you already have roadside assistance through AAA or another auto group. Drop the rental car insurance if you can borrow a car temporarily or know that you can get deals on car rentals. Moving closer to your job cuts your mileage, which cuts risk, which lowers insurance premiums. If you drive an older car, consider dropping comprehensive and collision coverage.

This will probably not work if you are still financing your car, since most lenders require both of these coverages. However, if you have paid off your car and it is worth less than 10x the amount of comprehensive and collision cost, consider dropping the coverage. Do make sure, though, that you have money set aside to pay for any damage to your vehicle. Oh, and one other thing — check your current deductibles and consider doubling them. This simple move can save you a substantial amount in monthly premiums.

Pay as You Drive

This type of coverage is new, and we can only hope that more insurance companies take up this trend. This may not help some moms who drive a lot, especially with more than one child and tons of sports and other activities. For those with a short commute, though, pay-as-you-drive insurance may provide huge cost savings. Progressive Insurance offers this type of coverage, and installs a tracking unit in your car. The tracking unit not only tracks mileage, but driving behavior as well. If you tend to speed, slam on the brakes a lot or have other erratic driving behaviors, this may actually work against you. The monitor transmits your mileage to Progressive Insurance once every six months, as part of pricing your new policy. One of our partners, GMAC Insurance, provides another option. GMAC is working with OnStar to provide a similar type of program. The benefit of the GMAC/OnStar program is that it only tracks mileage. The downside — this only works for cars that use the OnStar system.

Have Your Information Ready

They say knowledge is power, and that is definitely true when shopping for new car insurance. Find the declaration page, usually the first page of your current insurance policy, and have it with you while you are shopping around so you can compare features and prices. In order to get quotes, you also need to have your car’s make, model and year handy. You may also need to provide your Social Security number and driver’s license number. Know your current coverage and deductibles. With all this information ready, getting multiple quotes is easier. This is one of the fastest ways to get cheaper insurance.

Shop ‘Till You Drop

Life circumstances change. Maybe you have changed jobs and now have a shorter commute. Maybe a ticket or two has just dropped off your driving record, or maybe you are thinking of buying a new car. If circumstances change, heck, even if they haven’t — it’s a great idea to get new quotes every six months on new auto insurance. External economic factors also affect the cost of auto insurance, which might drop premiums, even if nothing has changed in your personal situation. CarInsurance.com maintains a list of average car insurance prices by state, by month. If the price trends for your state are headed downward, it’s time to get some new quotes.

These days, long phone conversations with pushy agents are not necessary as far as getting quotes is concerned. Use the Internet, and promise yourself you will get a minimum of three different quotes. Two easy ways to do this: go to Esurance.com and enter your information. Esurance.com sends your information to several different companies at once, and within about 10 minutes, you will receive quotes from several different insurance companies. Second, stop by ProgressiveInsurance.com and request a quote. Progressive will provide quote comparisons from its competitors when it delivers your quote, and the best part is all of these quotes are provided free.

Best Car Insurance for Low Income Families

August 7th, 2011 Chad Posted in Insurance Categories No Comments »

Finding cheap car insurance is an inexact science — insurance companies feed many assumptions into their quote-making machines and the same customer information can return a wide range of quotes from different insurers. In most cases, the best insurance for low-income families is really more of a strategy of doing research and telling insurers exactly what you want and need for your auto insurance coverage.

Insurance Cost Factors
Many factors come in to play when insurance companies choose rates for customers. Rates vary based on age, driving experience, gender, driving record, annual mileage and type of car driven. Some of these factors are unchangeable, but others may improve over time. If you have any traffic violation points on your record, they typically stay for three years. After three years, get new insurance quotes to take advantage of your improved driving record. If possible, try to work close to home to reduce your commute.

What some people do not know is that insurers are now looking at your credit score as well when preparing your quote. Apparently, statistics show that people with poor credit histories tend to have more accidents. As long as you make credit payments on time, your insurance should not be affected. Additionally, some people must pay much higher premiums because they live in areas that experience high vandalism and theft rates. If this is the case, get a few quotes from insurers that provide high-risk coverage — you may find they can help get you lower rates than companies that write mostly standard policies.

Tailoring Your Insurance Coverage
Start cutting down your premiums by increasing the amount of your deductible. This means you will have to have some cash set aside in case you get into an accident, but it saves a lot of money each month on premiums. If you drive an older car that is paid off, you can drop the comprehensive and collision coverage. It may cost more to keep this coverage over time than the value of your car.

If your car is financed, however, you will be required to maintain comprehensive and collision insurance until the car is paid off. You may want to consider selling a car that is not paid off and buying an older model that is reliable and cheaper to insure. When shopping around for quotes, work with an agent that takes the time to explain everything, answer all of your questions, and work through various quote scenarios that get you the lowest rates possible. If you feel the agent is irritated or not helpful, it’s time to find someone else.

Mandatory Car Insurance
Car insurance is mandatory in all 50 states, and for good reason. It’s bad enough if someone hits your car, through no fault of your own. But if they leave you with repair and medical bills because they don’t have insurance that could be devastating. California understands that many drivers have stretched budgets and cannot afford auto insurance. The state has developed a low cost automobile insurance program to help low income residents afford insurance. The program offers only liability coverage with low limits, which might not fully protect you.

However, the insurance does keep you within legal requirements for carrying insurance. Applicants must have good driving records, own a car worth no more than $20,000 and meet certain income requirements. Nevada is implementing a similar test program in 2011 to help its residents keep their insurance. Check with your state’s Department of Insurance to see if something similar is offered in your area.

No Loyalty
A recently published article cited a study of insurance company advertising mailers. It said that customers that demonstrated loyalty by remaining with their insurance company for years were being overcharged. Rates offered on advertising mailers were found to be about 10 percent lower than rates paid by long-time customers. This is a perfect example of why it is important to get insurance quotes every six months to check for lower rates.

Insurance companies offer a ton of discounts, but they do not tell you about all of them unless you ask. Take note of the discounts that apply to your situation and ask insurers for them. Here is a list of some possible discounts available:

– Low mileage discount
– Good driver discount
– Anti-theft devices (alarms, lojack)
– Combining auto with homeowners
– College students away at school
– Defensive driving courses
– Good credit
– More than one car on a policy
– Three years with no accidents or moving violations
– Student drivers with a “B” grade average or higher

Alternative Plans
Instead of going directly to an insurance company, look for lower rates as part of a group auto insurance plan. Ask around at work or any clubs, associations or other groups to which you belong. Another insurance plan worth investigating is the pay-as-you-drive plan. Progressive Insurance and GMAC both offer variations of this program.

Progressive monitors your miles driven with the help of a device installed in your car. GMAC has partnered with OnStar, so any car with OnStar installed can work with the GMAC insurance program. This might not be a money saver for people who drive a lot, but makes sense for those with lower mileage needs.

One of the most important steps in finding the lowest-cost insurance for you and your family is to shop around and get as many quotes as possible — from at least three different companies. Get started by using our free quote system to receive quotes from several insurance companies licensed to do business in your state.

California Pushing Low Cost Auto Insurance

July 20th, 2011 jess Posted in Costs, Insurance Categories No Comments »

The tough economic climate in the United States, especially in struggling California, has made it nearly impossible for some people to afford insurance on their vehicles. Whether laid off, struck with an illness or disability, or simply making less money, many people simply want to save where they can. For lots of Californians, that includes their car insurance premiums.

California offers its citizens many benefits. One program serves as a safety net for both those who cannot afford insurance and those who must share the roads with them. The state of California has an innovative state-run insurance program for low-income families and individuals that provides the minimum level of coverage needed to cruise the highways legally. It includes only liability coverage, but at $400 per year, it’s the kind of bargain an insurance company could never match.

Limits and Benefits

The California Low Cost Auto Insurance Program is open to all Californians who are 19 years old and have a safe driving record that dates back at least three years. In addition to experienced and safe driver requirements, the program does come with an income limit for eligibility. In California, home to the country’s highest cost of living, the limit for entrance into the program is a surprising $55,000 per year annual salary. Additionally, a recipients car cannot be worth more than $20,000 at the time of signing up — so say goodbye to that hot rod.

Once approved for the program, basic liability insurance as provided by the state of California costs a mere $400 per year, far less than typical insurance rates for the same basic coverage. Under the law, drivers need coverage for $10,000 per person in bodily injury costs, $20,000 per accident in miscellaneous and other fees and charges, and $3,000 for property damage done to the vehicle at the time of the accident.

No other coverage is provided, which may worry some drivers. However, for those who simply cannot afford traditional coverage from a private insurer, the program is highly affordable and eases the many concerns that come with breaking state and federal law by driving without insurance. Indeed, it also erases worries about being pulled over and facing fines and potential imprisonment.


This is where the true disparity becomes clear: while California estimates that 4 million people uninsured driver populate its roads every day, the Low Cost Auto Insurance Program counts only 11,000 Californians among its ranks. That’s largely because most people have no idea the program even exists.

In an effort to change that, the California Department of Insurance is heavily marketing the program, which has been around since 2000. They’re targeting low-income areas in San Francisco and across the state in an effort to save more lives from financial ruin and leave more dollars unspent from costly uninsured accidents.

There’s really no need to drive without insurance, especially in California. The state’s program is one of many ways that drivers can save money and save themselves from criminal charges at the same time.

The Difference between Old and Classic Cars

June 24th, 2011 jess Posted in Accidents, Insurance Categories, Insurance Rates No Comments »

The definition of a classic car can be slippery. Some people will not recognize a car as classic unless it was built in the 1920s and 1930s, before mass production. Some people would consider the New Volkswagen Beetle an instant classic in the cultural sense. There are some standard rules established by certain organizations like your local DMV, which will usually issue classic license plates to anyone driving a car that is more than 21 years old. That doesn’t necessarily mean that you should put classic plates on your 1990 Nissan Pathfinder, though.

Age Does Qualify – Eventually

For a car to be a true classic in the most common sense of the word, it needs to be old enough to take you back in time. Cars from the 50s and 60s are so intrinsically different from the cars of today that every surviving example could fall into the classic category. When you look at a classic car, you feel transported to a different year with a different culture. If a car can remain roadworthy for more than two generations, it will be a classic by almost any standard.

Increasing Value After Production Ends

Aside from age, the value of the car plays a part in whether or not it qualifies as a classic. All cars naturally depreciate from the day they leave the dealer’s lot. Classic cars are the ones that stop depreciating and start to gain in value when the numbers dwindle over time. They might have distinctive styles, like the Ford Thunderbird, or they might become popular for social reasons. Volkswagen buses began to appreciate remarkably after the release of Cars, featuring a big yellow VW bus as one of the main characters.

Rarity Improves Status

The harder it becomes to attain an item, the more valuable it can be. Some cars become classics simply because there are few left. A once boring family sedan in 1962 could become a classic today because few of them were preserved. That type of car was usually driven by families who were more interested in getting from one place to another than in preserving the car for future generations. When a car becomes an endangered species, it automatically becomes a classic.

Classic is in the Eye of the Beholder

The Classic Cars Club of America (CCCA) defines classic cars as those, “built in limited production numbers and were quite expensive when new. As a group, they represent the pinnacle of engineering, styling and design for their era.” When it comes to insurance, a classic is an older car for which parts are expensive or hard to find. The book value of the car may be irrelevant when it comes to the cost of repairing the car. Classic cars are best insured through agreed value, where you and your insurance company agree how much the car would be worth if it were involved in a total loss accident.

Five Tips for Lowering Your New Car Insurance

June 21st, 2011 jess Posted in Insurance Categories No Comments »

Before you decide to buy a new car, it’s helpful to know how much it will cost to insure. You can ask the seller for the year, make, model and approximate mileage of the car so you can get a preliminary estimate. While many facts remain to be discovered on the car you are considering, having an insurance estimate can help you to decide if the car will fit into your budget long-term.

1. Always get several quotes.

Several websites offer auto insurance quotes, like those you can get right here. All you need to do is enter your zip code in the box at the top of this page to get started. You’ll have several quotes after just a few minutes.

Once you have your quotes, go to the National Association of Insurance Commissioners (NAIC) website to find your state’s insurance department. From there you can research insurance companies for help in deciding among companies. For most of us, however, price is the biggest factor. Check your quotes to be sure they all offer the same coverage. Only then can you objectively compare one policy to the next. The NAIC guide should help you understand the basics when it comes to getting auto insurance quotes online.

2. Ask About Car Insurance Discounts.

Certain habits indicate responsible behavior on your part and can help you qualify for auto insurance discounts. For example, both high school and college students may be eligible to receive a discount based on their grade point average. You can also receive insurance discounts for things like having a good credit rating, completing defensive driver courses and going for a specified length of time without making a claim. Make sure the companies quoting insurance for you factor these good habits into your rate.

3. Tweak Your Car to Reduce Risk Factors.

Beyond proving yourself a responsible driver, you can lessen the risk for your insurance carrier with some small changes to the car. Check the price of features like anti-lock brakes, automatic seatbelts and airbags that deploy on both sides if the car doesn’t already have them. All of these features will make you safer in the event of an accident and present less of a risk to your insurance company. Find out the cost of adding an anti-theft device as well. Compare the cost with the insurance savings to determine if you should install one.

4. Consider a More Conservative Car.

Sports cars are associated with high-risk drivers. If you have your heart set on a roadster, you can expect higher insurance premiums even if you are a safe driver. Look for the most practical car you can find that still suits your style. Take time to look for a car that gets good gas mileage since insurance companies favor fuel-efficient cars with better rates.

5. Seek Multiple Policy Discounts.

Take time to get a quote from the insurance company you already have. You may qualify for a discount that saves you more than if you switched carriers. It is also smart to ask the companies that quote insurance for you about any multiple policy discounts they might offer if you move your other insurance to them.

Pemco Insurance Auto Discounts

April 21st, 2011 Tammy Posted in Insurance Categories No Comments »

Pemco Insurance is a reputable automobile insurance provider that offers several discounts to its qualifying clients. Unlike many other insurance companies, Pemco Insurance is not shy about offering these discounts to their clients and letting them know that they exist. In fact, the company is so adamant about helping its customers to save money that it boldly displays all available discounts on its websites. This is an outstanding trait, since most insurance companies make the customer do the work of finding and bringing up the insurance discounts to their providers in order to save money. Whenever an insurance company does this, it’s like a green light letting you know that you can trust them.

One of the offered discounts is the auto plus discount, which can help you to save about 6% on your automobile insurance premium. This discount is only available to those customers who insure both their homes and their automobiles with Pemco. If you already have insurance for your home, it is worth it to consider switching providers since you can also save 25% off of your base home premium.

The new customer discount is offered to all of those who switch their insurance over to Pecmo or who open their first policies with Pemco. The discount, available only to those drivers who have been driving for at least three years without any accidents or speeding violations, is available for the first two years of your new policy.

Likewise, good drivers can also qualify for the safe driver discount. This comes in handy especially after your new customer discount is past the two year period. Your good driver discount will increase for every year in which you avoid accidents and speeding violations and will continue to grow for as long as ten years accident and violation free.

The alternative commuting discount is great for part time or full time workers who make a considerable commute to work. If you only use your car to commute two days per week or less, you can end up saving up to 5% on your car insurance premium. Another smaller but still beneficial discount is the safety features discount and the security features discount. If you install certain safety features on your car, such as air bags and backup cameras, or certain security features, such as a car alarm or coded door entries, you can save money.

Owners of more than one automobile who insure at least two of their cars with liability coverage on the same policy can also save. In fact, these drivers can save up to a whopping 20% on their automobile insurance premiums.

For student drivers, either in high school or college, several discounts are also available. These include the good student discount, available for those student drivers with a minimum 3.0 grade point average and a good driving record, free of accidents or speeding violations.  The away at school discount also comes in handy for students who attend college or a boarding school at least 75 miles away from their home and who do not have a car at school.

Finally, drivers who are age fifty-five or older and who have completed a certified defensive driving course can qualify for the defensive driver discount.

Military Auto Insurance

April 19th, 2011 Tammy Posted in Insurance Categories No Comments »

USAA is the number one provider of military automobile insurance in the United States.  The company, which was founded by twenty-five Army officers who were having trouble securing insurance elsewhere, is a good fit for many military service men and women. The company also insures veterans and family members of past or current military service people. Automobile insurance coverage is very affordable through this fine company, which estimates that its customers save an average of $450 per year when they switch over to USAA insurance. The company offers several competitive offers to its customers, such as saving an addition $50 when using the online site to get a quote and then sign up for insurance, receiving accident forgiveness for only $1 per month, safe driver discounts when applicable, good student discounts when applicable, and flexible payment options free of charge.

Of course, USAA is not the only provider of military auto insurance. There are a few other providers out there who exclusively serve military professionals, veterans, and their families. Also, most of the major providers, such as GEICO and All State, and even a few of the smaller, more local providers do have specialty military insurance for these individuals and their families. Some companies even have special branches that deal exclusively in military insurance.

This means that you, as a military professional, have many choices when it comes to securing automobile insurance and that you shouldn’t have to feel boxed in to any one choice. In fact, it is incredibly wise to spend some time researching different military auto insurance providers in your area and getting to know their services, their policies, and, most importantly, their prices. We suggest obtaining a list of all licensed military insurance providers from your local department of transportation or its equivalent. You may also be able to get this information, along with recommendations, from your local military base.

Once you have the list in front of you, spend some time visiting each of the provider’s websites and learning more about the company and its history. Try to always find special sections written for military professionals when possible. Then, spend some time online reading reviews of a wide variety of different companies that provider military insurance. These reviews, written by past and current clients, will tell you the most about who the company really is, what it believes in, and the level of service it provides – both to military workers and the general population.

 As you read this information, you will likely be able to cross quite a few providers off your list for various reasons. When your list is significantly narrowed down, you can then start requesting free rate quotes from each company. Make sure that the company knows you are a military professional or that you are requesting your quote directly from its military branch. Only a specialty military provider can understand your special and specific needs and give you the discounts that you deserve for your important service to the country.

When you have all of the rate quotes spread out in front of you, spend some time looking over them. Remember to compare not just for the lowest price, but also for the level of coverage and the level of service and dedication the company offers you. In the end, it is all of these factors combined, rather than just one, that will enable you to choose the best possible provider. Make sure you also note which companies offer you the best discounts for your service, and spend a little time thinking before making your final decision about which provider to go with.

When you’ve finally come to a decision, then you can go ahead and sign up for your policy. If you are ever not happy with the level of coverage your company provides you or with any other aspect of its service, go back to your research. Remember, it’s never too late to switch and to find a provider who understands you and your needs. The good news is, however, that dissatisfaction is unlikely if you follow all of these steps to finding the right military auto insurance provider carefully. We hope you’ll have a great experience with auto insurance, and we salute you for your hard work.

American Family Car Insurance Review

April 18th, 2011 Tammy Posted in Insurance Categories No Comments »

American Family Car Insurance is a reputable company that has been in business for well over 80 years. The company has long had a reputation for providing easy-to-understand, useful insurance policies to its customers with excellent customer service, and it does live up to this praise. American Family insurance providers are friendly and easy to work with from the start, walking the customer through the steps he or she needs to take to find the right insurance policy for his or her individual needs. The company’s insurance policies, while not fancy, are straightforward and simple, and advisors make sure that clients know what they’re getting into. In addition to providing automobile insurance, this company also provides home, life, annuities, health, business, farm, and ranch insurance as well, making them an expert at what they do.

American Family makes getting automobile insurance an incredibly simple and painless experience. In, fact, today’s clients are not even required to meet with their insurance agent in person. They can secure a policy, file a claim, or change coverage options over the phone or online. Plus, anytime a client has questions or concerns, he or she can easily get through to an American Family agent. Best of all, such consultations are always provided free of charge to current customers, no matter what the status of their latest payment or their payment history.

Also, American Family insurance is convenient no matter where a particular client lives. This large and reputable insurance company sells its policies through 3,800 agents located all over the United States. Each agency is fully licensed and very knowledgeable about policies and, best of all, discounts. While many insurance providers will not tell the client upfront about discounts for which they are eligible, American Family actually encourages the use of discounts and helps its clients to get the lowest priced policy with the best coverage. Thanks to customer service such as this, the J.D. Power and Associates Distinguished Insurance Agency Program consistently rates the company as supplying “an outstanding customer experience.”

Although American Family Insurance is affordable, extremely convenient, and incredibly loyal to its customers, this does not always mean that it will be the best or lowest priced automobile insurance for your particular needs. It is important, then, to still go through the process of research and comparing rate quotes before choosing an insurance company. It’s just a good idea to keep American Family Insurance on your radar, and to make sure you include them in your search.

It’s a good idea to obtain a list of all licensed providers in your area, including large companies like this one and smaller local companies as well. Then, you can go through the process of researching each company. Just as you’ve read a review of American Family Insurance, read reviews of other available providers in your area. Also spend some time on the company’s website, getting to know their policies and what special packages and/or deals they offer and how they interact with their customers.

Once you have this information, you can use it to cross undesirable providers off your list, saving you the time and trouble of collecting insurance quotes from companies you know you won’t want to use. With the remaining providers, including American Family Insurance, you can then request free rate quotes either online, in person, or over the phone. Compare these rate quotes carefully, paying attention to not just the cost of the policy but also to the level of coverage you will be receiving as well. Also consider what you have learned about the company and what special services – such as a twenty-four hour customer service line or online payment options – each one offers you.

When you have all the facts, it will be incredibly easy to choose the right insurance provider, whether it ends up being American Family Insurance or not. There are lots of good providers out there, and American Family Insurance is definitely one of them, but you still have to find the one that is right for you, your life, and your particular automobile insurance needs. If you go through the process carefully, you’re sure to end up satisfied with the service you receive.