AIS Car Insurance Overview

September 28th, 2011 Chad Posted in Insurance Companies No Comments »

AIS has been operating in the state of California for more than forty years. They will provide customers with quotes over the phone or the Internet. Customers who are interested in taking advantage of the products offered by AIS Insurance Group can also visit one of their 23 area offices in the state.

Free Quotes

In addition to providing a quote for their coverage, AIS will also provide quotes from the competitors. This allows for quick comparison of companies and coverages. It is important to consider the coverage levels you are interested in before obtaining a quote, as that can greatly impact the final premium. Consider choosing a higher deductible amount to save more money on the premium.

Coverage

AIS offers coverage in all the standard areas that are necessary to adequately protect yourself and your assets.

• Bodily injury liability coverage will pay for injuries sustained by other parties should you cause an accident. It does not pay for your own medical bills.
• Property damage liability will take care of damages to property other than your own. It will not pay for damages to your own car or property.
• Medical payments are necessary to cover your own medical bills, especially if you do not have health insurance.
• Uninsured motorists coverage will ensure that your car is fixed if the person that hits you does not carry any insurance coverage.
• Collision coverage is what will be needed to fix your own car after an accident that you caused.
• Comprehensive coverage takes care of everything else, including theft, vandalism and damages that result from storms.

Online Services

AIS wants their customers to have a good experience. They provide their customers with the ability to print ID cards online and representatives are available seven days a week to help you further.

Other Services

Most good insurance companies offer more than just auto insurance, and AIS is no exception. Customers can also travel with confidence knowing that they have roadside assistance for breakdowns, flat tires and other problems. Mechanical breakdown coverage will provide funds to get the car repaired should it have engine problems.

Drivers can also get temporary insurance to keep them covered should they decide to take a trip over the border into Mexico. The company also offers gap coverage for financed cars and towing to provide you with peace of mind.

Policies

AIS provides a complete list of insurance protection. In addition to insuring your car or motorcycle, here is a list of the other assets that can be insured with AIS.

• Classic cars
• Homes: single-family homes, condos and rentals
• Life
• Health
• Business
• Recreational Vehicles, including boats and motorhomes

Discounts

It’s important for you to save money on your insurance premium. One way to do this is by taking advantage of some of the discounts offered by AIS. Here are the discounts that are offered for their customer’s convenience.

• Multiple cars – If you own and insure more than two vehicles you can qualify for up to 15% off your premium.
• Good drivers – Maintain a clean driving record and enjoy up to 20% off on your insurance costs.
• Anti-theft device – If you car has an alarm, ask for this discount and save up to 2%.
• Good student- Responsible kids are usually responsible drivers and can enjoy up to 30% off on their premiums.
• Multiple Policy – Insure your home along with your car and take up to 15% off both policies.
• Mature driver – People over the age of 55 can take up to 5% off their driving premium.
• Group discounts – Talk to your agent about your profession. Doctors, scientists, teachers and other professionals qualify for discounts up to 15% with AIS.

AIS is a solid company with a long history. They are not nationwide, so only residents of California can take advantage of their policy offerings. However, they can help you save money while providing you with quality insurance coverage.




Esurance vs Farmers – How Do They Match Up?

September 27th, 2011 Chad Posted in Insurance Companies No Comments »

Farmers and Esurance are both big names in the insurance industry. Offering protection for many of your assets, either company can provide you with the protection you need to shield yourself from a lawsuit. Here is what you should know about each company and how they compare to each other.

Ratings

Any company you choose should have solid ratings. The ratings help you determine how stable a company is and how likely they are to remain solvent. Ratings from A.M.Best and Standard & Poor’s both put Esurance above Farmers. Esurance currently has an A- rating of Excellent from A.M. Best and a rating of AAA (Extremely Strong) from Standard & Poor’s.

Farmers only has a B+ rating of Good from A.M. Best. Their rating with Standard & Poor’s is only an A (Good). Both companies are currently rated as stable by A.M. Best although Esurance has a higher credit rating than Farmers.

The higher ratings for Esurance do not end with the financial side of the equation. JD Power rates companies based on the issues that most customers are initially interested in. Here is the breakdown of the JD Power ratings for each company.

• Overall satisfaction: Both companies are rated with two out of five stars, putting them on the lower end of the rating scale.
• Billing and payment: Both companies receive two stars in this area, as well.
• Ease of contacting the company: Esurance and Farmers both receive three stars in this category.
• Policy offerings – JD Power found that Esurance has more offerings, granting them three stars. Farmers has a rating of only 2 stars for this.
• Pricing – Esurance again outperformed Farmers, receiving three stars for pricing compared to only two stars for Farmers.

Policy Offerings

Both companies have extensive policy offerings. Owners of classic and collectible cars can get the coverage they need with either provider. Both insurers will cover ATV’s, RV’s, motorcycles and boats. Insuring multiple assets with the same company can result in attractive discounts on the policies. Here are some of the other insurance needs that each company can handle for you.

Farmer’s insurance will also take care of your home, business and life insurance needs. They also offer help with investments by offering mutual funds and annuities. Their business insurance coverage does include policies for commercial vehicles.

Esurance offers health insurance in addition to life insurance. Owners of commercial vehicles can go through this company for insurance and customers can also get coverage for international driving, their pets and even their cell phone.

Discounts

All insurance companies offer discounts and it’s important to take advantage of everything that might be available to you. Some discounts are consistent among carriers. Here are the discounts you can take advantage of with either company.

• Homeowners insurance bundled with auto insurance
• Multi-car discount for owners of more than one vehicle
• Safety discounts for cars with airbags or anti-lock brakes
• Safe drivers enjoy lower rates
• Paid in full discounts for paying the premium in advance.
• Retirees can get more favorable payments if they take an approved driving course.

There are also discounts that are may be specific to each company. Here are the additional discounts you can enjoy with Esurance.

Switch & Save – Get a discount just for signing up with them.
Fast 5 discount – Save money by starting your quote online.
Claim-Free – Avoid claims or accidents and save up to twenty percent.
Driver safety courses – Learn something new and save money on the insurance bill.

Farmers also has some enticing discounts that are not offered by other companies:

New Parents can enjoy a break in the premiums.
Good students with solid grades are rewarded with lower pricing.
Occupations such as doctors, teachers, police and firefighters can also get a discount.

History

Esurance was founded in 1998 and has since grown to be one of the major players in the insurance industry. Farmers has a rich history that dates back more than 80 years. Farmers is the nation’s third-largest insurance company offering both auto insurance and homeowner’s coverage.

Both companies have stood the test of time and continue to make the smart business decisions that help ensure their customers that they will remain solvent and continue offering their insurance services for many years to come.

Coverage Areas

Farmers is currently in 41 states, primarily from the Midwest through to the Pacific coast. Residents in the following states will be disappointed to learn that the insurance is not available to them: Florida, South Carolina, West Virginia, Delaware, Massachusetts, Rhode Island, Alaska, Hawaii and New Jersey.

Esurance is currently licensed to operate in 28 states, although the number continues to grow on a regular basis. They are able to provide insurance services in the following states: Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and Wisconsin.

Similarities

When reviewing each company on comparison sites, it’s important to keep in mind that the companies are similar in many ways. They can both provide you with the liability coverage you need for your family along with property damage coverage.

Choose collision to get your own car fixed after an accident and comprehensive to take care of damage that occurs when the car is parked. Uninsured and underinsured motorist coverage is offered and you can also get person injury protection to cover your own medical payments after an accident.

Both companies are solid and stable, able to meet their financial obligations and likely to continue offering insurance services for many years to come. When comparing the pricing between the two be sure to look at the final price you would pay after all discounts are applied.




Knowing Your Aflac Car Accident Insurance Coverage

September 25th, 2011 Chad Posted in Insurance Companies No Comments »

When you get into an accident, not all the expenses involved with it will be covered. Damages to your vehicle will be taken care of under your collision coverage. Damages to private property will be paid for. However, there are still many other expenses that you could easily wind up paying for out of your own pocket. AFLAC accident insurance is designed to take care of all those other little problems.

Cash Payments

The company typically pays the insured party after an accident. Rather than watching all the payments head out to doctors, hospitals and other agencies, you will actually receive a check in the mail. Those funds can be used for whatever you deem important. You can also choose to assign benefits so the payments will go directly to a health care provider or another third party.

Lost Wages

When you cause an accident and are unable to work, those lost wages can cause serious problems for you. Your auto insurance won’t cover the wages, and short-term disability may not cover them, either. If you have accident insurance, however, then AFLAC will provide you with the cash you need to makeup for that missing paycheck.

Broken Teeth

If you break teeth in an accident you may be surprised to learn that dental expenses are not always covered. Your auto insurance and healthy insurance companies may both specifically state that they don’t cover dental problems. Fortunately, AFLAC would pay to get your teeth fixed.

Emergency Transportation

Most health insurance plans don’t cover emergency transportation, and neither does your auto insurance company. Accident insurance will take care of this expense which can easily cost a thousand dollars.

Emergency Room

Not all major medical plans will cover emergency room expenses. They usually bill a portion of it against your deductible, leaving you scrambling to come up with several hundred dollars. Accident insurance can provide you with cash so you won’t have to worry about paying that bill because AFLC will cover it for you.

Miscellaneous Medical Expenses

When you’re released by the doctor there are still expenses that need to be paid. You might need bandages for keeping cuts or burns protected and over-the-counter painkillers for when the prescription medication is gone. AFLAC can help cover these expenses for you.

Taxes

Whether your AFLAC insurance payments are considered taxable income or not depends on how you paid for them. If you pay for the premiums with pre-tax dollars then the full amount will be taxable. If your employer pays for part of the premium then an equal percentage of the proceeds will be taxable. If you pay for the benefits on your own using post-tax funds then the insurance payments will be tax-free.

Different Polices

AFLAC offers several different policies. You can get coverage for critical care treatment, hospital ICU stays and life insurance. What’s important to note is that one single AFLAC policy will not cover everything. A hospital confinement sickness indemnity policy will not cover you in the case of an auto accident. In order to protect yourself and see that your family is taken care of after an accident you should purchase accident insurance.

Coverage Levels

The level of coverage you can qualify for depends on the plan that is chosen by your employer. The coverages are based on the overall group and a single individual is not allowed to make any changes to these levels.

Customer Service Agents

AFLAC has customer service agents that are available between 8 a.m. and 5 p.m. Eastern time. These agents are able to answer questions you may have, help you make changes to your personal information and can assist you should you decide to cancel the policy.

AFLAC has high ratings for being a solid company that is financially sound. They are able to meet their obligations and their accident insurance policies can help keep your family provided for after an accident. There are always expenses that are not covered by the auto or health insurance. Taking advantage of accident insurance can provide you with the funds you need when you need them.




How Ace Seguros Car Insurance Coverage Works

September 24th, 2011 Chad Posted in Insurance Companies No Comments »

International travelers are often surprised to learn that their domestic auto insurance won’t travel with them. Some companies offer coverage to drivers who head over the border to Mexico or Canada, but most will not.

If you get in an accident while driving into towns on the other side of the border in Mexico, you could find yourself without insurance to cover the damages. One option for protection is Ace Seguros car insurance.

Temporary Insurance

Ace Insurance is an American company and Ace Seguros is one of their subsidiaries. Established in Mexico in 1999, this branch of the company is designed for American residents and drivers who will be staying in Mexico for a while. Whether you’re heading to the Deep South for a few days or a year, Ace Seguros can provide you with the temporary insurance coverage you need, backed by an American company you trust. Customers can choose daily, bi-annual or annual policies.

Tourists Only

This insurance plan is designed specifically for tourists. Residents of Mexico are not eligible for coverage offered by this company. The insurance is only valid in the Republic of Mexico and can not be used for accidents or damages that occur while on American soil.

Bilingual

Because the company caters specifically top American residents visiting Mexico, they have bilingual customer service agents. This is important because while the customer might primarily speak English, witnesses to an accident, victims, police and other parties will probably only speak Spanish.

Autos and Motorcycles

It doesn’t matter if your transportation has four wheels or only two, you can enjoy the coverage you need when you’re visiting Mexico. So grab the helmet and the keys to take a trip to all the little backwater places you can only visit on bike.

Offerings

Ace Segura does not limit themselves to auto insurance and motorcycle coverage. They also provide drivers with the option of getting health insurance, legal aid, property damage coverage and even financial services.

Civil Liability

Mexican law requires that drivers have auto insurance, just as they are required to have in the United States. Ace Seguros can provide people with liability limits of $50,000 U.S., $100,000 U.S. and $300,000 U.S. Limits are all combined with no split limits available.

Damage and Theft

Liability insurance covers any other parties in an accident but this coverage is meant for your car. ACE Segura will cover damages from theft, collision, rollovers, and broken windows. They will cover damage caused by accidents, fire, lightning, explosions and natural disasters including cyclones, hurricanes, earthquakes and hail.

If you file a claim, a deductible will apply. Towing expenses are also covered should your car need to be towed for repairs. It should be noted that partial theft and vandalism are only covered under the ACE Platinum Package.

Medical Expenses

The driver of the car and the occupants of that car will enjoy coverage for their medical expenses in the event of an accident. The limits are either $2,000 U.S. for each person with a total of $10,000 U.S. for each accident or $4,000 U.S. per person and $20,000 U.S. per accident.

The Platinum Package offers higher limits. It is important to note that this coverage is not available for motorcycles. Drivers on motorcycles who are injured will not be reimbursed for their medical expenses so separate health insurance is highly recommended.

Actual Cash Value

ACE Seguros uses the Kelly Blue Book and NADA guides to determine the actual cash value of your vehicle in the event of an accident. You should choose coverage levels that are high enough to cover the cash value of your vehicle.

Platinum Assist

This additional policy will provide customers with travel services while they are in Mexico. The services are available 24 hours a day and include legal services. Bail bonds up to $30,000 U.S. can be covered with this policy. It also offers medical assistance and references, tourist information, roadside assistance and a way to transmit urgent messages.

Platinum Policy

The Platinum Package provides customers with higher coverage levels, protection for partial theft or vandalism and fixed deductibles. The liability limits are higher and a fixed hourly repair rate for damages is included. It also features higher medical payment limits for greater protection.

Boats and Watercraft

The Mexican waters are beautiful and welcoming. If you plan on taking your boat into the waters off the Mexican coastline, you can also use ACE to cover it. They provide insurance plans for recreational powerboats, yachts, personal watercraft and sailboats.

Other Features

A solid insurance provider, ACE Seguros has a rating a A+ by A.M. Best. Customers who need repairs done after an accident can choose to have the repairs done in Mexico or in the U.S. The claims can also be handled through either country for your convenience.

The insurance should be purchased in the United States before you actually drive across the border. You can dictate the dates it will be active and add the necessary coverages you think you might need. The insurance will automatically terminate based on the dates of coverage you select.

Your insurance in the United States should be left in force to avoid a lapse in coverage with your local state of residence. However, by contacting the insurer and letting them know the car will be out of the country and insured with ACE Seguros for that time period you might be able to get a temporary discount with your regular company.




Low Cost Insurance from ACE

September 20th, 2011 Chad Posted in Insurance Companies No Comments »

Low cost insurance is available, although you may have to consider companies other than the big national names. Sometimes you can find better rates with small, local providers. ACE insurance is a low-cost insurance provider that is dedicated to providing customers with great rates and excellent services.

Service Area
Servicing the greater Atlanta and College Park areas, ACE is licensed to provide insurance in the state of Georgia. Their offices are located in College Park and La Grange for your convenience.

Easy to Contact
Easily found on the Internet, they offer basic account management tools online. Getting in touch with representative is as simple as visiting the website, making a phone call or dropping in at one of their local offices.

Ratings
A.M. Best gives the company a high A rating, indicating that it is financially stable and able to meet its financial obligations. It is able to pay claims and other liabilities. The outlook for the company moving forward is strong and they are expected to remain in business providing insurance coverage. The company was founded in 1982 and should be able to continue providing insurance for more decades to come.

Coverage
ACE insurance offers the same standard coverages available through the nationwide companies. Liability insurance is required by state law to protect other parties should you cause an accident. Property damage insurance will pay for damages to property that may be caused by you. These coverages are required by state law.

ACE also offers the optional coverage levels that protect you and your property. Uninsured and underinsured motorist coverage will protect you in the event that you are hit by someone who does not have adequate insurance levels.

Collision insurance is necessary in case you spin out in the rain and hit a mailbox, damaging your own car. The mailbox would be replaced under property damage cover. But without collision you own car won’t be repaired.

Finally, comprehensive coverage is necessary to fix your car should it be damaged by vandals or stolen. Damage that might occur during tropical storms or ice storms will only be covered if you have comprehensive coverage. This coverage will also be required, along with collision, if your car is financed.

Lowering Rates
It is possible to enjoy lower rates on your insurance by taking advantage of available discounts. Talk to ACE about your driving record if you have gone several years without an accident or ticket. You can also look into discounts that are available to people who decide to take safe driving courses. You may also qualify for a discount if you insure more than one vehicle with the company.

ACE also offers discounts based on the safety equipment found in your vehicle. If you have anti-lock brakes, airbags and automatic seat belts you can expect to pay lower premiums. The presence of anti-theft devices will also help you to enjoy a lower premium.

ACE offers homeowner’s insurance as well as auto insurance. Customers who choose to have both their home and car covered with this same company can enjoy a discount, as well. Expect to see the price of both policies drop as a reward for your loyalty.

It is not advisable to save money on your premium by lowering your coverage levels. Doing so can leave you dangerously exposed to lawsuits in the event of an accident. Insurance is designed to protect you and your assets from lawsuits, but only if you carry adequate levels. Talk to your local ACE insurance agent to determine which levels are appropriate for your needs and situation.

One way to reduce the cost of your premiums is to choose a higher deductible. Your premiums will lower substantially, providing you with a cost savings that will continue to grow over the years.

ACE auto insurance also offers insurance coverage on medical payments. This will help you pay for funeral expenses or medical payments associated with an accident. Rental reimbursement is another option offered by ACE, allowing you to sty on the road even after an accident.




4 Car Insurance Companies Offering New Car Replacement Coverage

September 19th, 2011 jess Posted in Claims, Insurance Companies No Comments »

While there are many advantages to buying a new car instead of an older model, one big drawback is the fact that they depreciate quickly. In fact, within the first year, a vehicle’s value may decrease 15 to 20 percent and another 15 percent in the second year. Every year after that, a car may depreciate in value 10 percent. Because claims for damage are based on how much the repairs cost, if your car can be completely written off, the payment you receive is solely based on how much your car is worth at the time of the accident.

New car replacement coverage replaces your old, damaged car with a brand new model or provides you with the cash equivalent of the vehicle. The coverage protects you from losing out on money, since sometimes the payment you receive for a complete write-off can be a lot less than you expect. The cost of this optional replacement coverage varies depending on the model, make and year of your car, though typically it is purchased for a car that is three years old or less from the model date.

MetLife

MetLife Insurance offers full replacement coverage with every policy that you purchase. There is no additional cost since the coverage comes standard, and your car will not depreciate in value for either the first 15,000[1] you drive it or within the first year, whichever one occurs first. There is also replacement coverage for shocks, tires and batteries for the entire length of your policy.

AARP

AARP Auto Insurance Program offers members a new car replacement option with their policies. If your car is totaled and no longer drivable within 15,000[2] after its purchase date or 15 months, whichever comes first, the insurance company will replace the vehicle with a similar car of the same make and model equipped with the same features without considering depreciation.

Allstate

If you are in an accident that renders your car beyond repair within the first three model years of the vehicle, Allstate[3] will provide you with a brand new car instead of giving you money for the depreciated value of your previous one.

Liberty Mutual

Liberty Mutual allows customers the option to purchase replacement coverage that would not only replace your current car with a vehicle of the same make, model and year, but you are able to receive a car that is one model year newer and with 15,000[4] fewer miles on it than your current vehicle.

For example, if you have a 2005 vehicle with 25,000 miles on it, you will receive money for a 2006 model with 10,000 miles on it. The only stipulations are that the car must be a complete loss and you will have to pay the deductible. This type of coverage is not available in all states and it is not for motorcycles or leased cars.

Not only do drivers lose their vehicles when involved in a total-loss accident, but they also lose all of the money they put into the car for added safety features and the down payment. By choosing to add new car replacement to your policy, you can be sure you will receive the same or an even better vehicle.

 


[1] http://www.metlife.com/individual/insurance/auto-insurance/index.html#basics

[2] http://aarp.thehartford.com/Auto-Insurance/

[3] http://www.allstate.com/auto-insurance/auto-insurance-features.aspx

[4] http://auto-insurance.libertymutual.com/auto-insurance-coverage/understanding-auto-coverages/better-car-replacement




Quick AA Car Insurance Company Overview

September 18th, 2011 Chad Posted in Insurance Companies No Comments »

AA Auto Insurance Company specializes in providing cheap auto insurance to driver’s all across the country. Even drivers who are required by states across the nation to carry SR-22 insurance can get the coverage they need through AA insurance companies.

A Range of Offerings
In addition to covering your auto, AA insurance plans will also protect you against unexpected breakdowns. You can also get insurance for your home through this agency, as well as life insurance and travel.

Nationwide
AA Auto insurance is offered in all 50 states. Contacting them, however, is not a simple matter of visiting one website. The insurance is sold exclusively through agents operating in each state. To find an agent near you, do a search for AA insurance in your state.

Coverage
AA auto insurance offers all the coverage plans you need. Choose from their different plans to customize the right coverage for you and your family.

• Bodily injury liability – This coverage covers the injuries or death sustained to other people when you cause an accident. Choose higher coverage levels as any amount of damage above and beyond what you are insured for can be charged to you personally. Even if you don’t have assets that can be seized, the wronged parties can still have your wages garnished to cover the damages.

• Property damage – This is the coverage that is needed to pay for damage caused by you to other autos, homes and property. The state minimum levels are typically far lower than the damage amounts that can occur in an accident. Choose higher levels to protect yourself and your assets.

• Medical payments – These payments are meant for your personal injuries in the event of an accident. They may also cover rehabilitation services and remedial care expenses. It is important to note that your health insurance company may refuse to cover you for injuries sustained in a motor vehicle accident, making this coverage an important part of your insurance plan.

• Uninsured and underinsured motorist’s coverage – Most states require that the person who caused an accident should pay for the damages. When that person is not carrying enough insurance, you can not expect your insurance company to make up the difference. To protect yourself with AA insurance, choose this additional insurance coverage.

• Collision coverage – Not every accident is caused by other drivers. If you should slide off the road due to bad weather, this is the coverage that will repair or replace your car.

• Comprehensive coverage – Things can happen to your car that have nothing to do with the roadway. Vandals, theft and falling limbs can cause massive damage to your car that is only covered under the comprehensive plan.

Discounts
Multiple vehicle discounts are one of the ways you can save money with AA auto insurance. You can also request a discount if you have more than one policy with the company. Talk to your local agent about the safety features your car has to see if you can get a discount. You should also let them know if you have an anti-theft system, as this can also help you get lower rates.

The best way to lower your auto insurance premium is to be a safe and conscientious driver. Obey the traffic laws so you won’t get tickets and drive defensively to avoid accidents. Make sure that you pay auto insurance premiums on time so you can drop the SR-22 mandated coverage as soon as possible.

You can also raise your deductible to enjoy a lower premium. Contact your local AA auto insurance agent for more information about this insurance coverage that is designed for less than perfect drivers. It can help you save money while also providing better protection.




Low-Priced AARP Car Insurance Rates

September 16th, 2011 Chad Posted in Insurance Companies No Comments »

Backed by the Hartford Group, AARP provides affordable auto insurance for senior citizens. A solid insurance company with substantial savings opportunities, here is what you can expect from AARP insurance.

First-Accident Forgiveness
Anyone can make a mistake now and again. If your policy is free of accidents or violations for five years or more, we won’t raise your rates should you be in an accident.

Lifetime Renewability
Insurance companies will drop customers for a range of reasons. With AARP, you are guaranteed that your insurance will continue, provided you meet a few easy requirements. This program is available for drivers aged 50 and older who have had the insurance for a minimum of 60 days. Your policy is guaranteed provided payments are made when due, all drivers maintain their valid driver’s licenses and you continue to be physically and mentally able to drive. Receiving any conviction for driving while intoxicated can result in the policy being cancelled.

New Car Replacement
If your car is less than 15 months old and has less than 15,000 miles on it, you can be eligible to get a brand new car should yours be declared a total loss. There will not be any depreciation taken on the car and you will be provided with enough funds to purchase a brand new car of the same make and model.

Disappearing Deductible
AARP and Hartford believe in providing plenty of rewards to good divers. Keep a clean driving record and they will lower your collision deductible by $150. For every year you avoid accidents or tickets, your deductible will drop by another $50 until it is at zero.

RecoverCare
This unique feature helps take care of you after an accident leaves you unable to care for yourself. It will cover the cost of home services including cooking, shopping, cleaning, yard work and transportation to take you where you need to go. The availability of this program will vary by state, but it is a unique offering of AARP. This simple piece of coverage can make the difference between being able to stay in your own home after and accident and being forced into an institution while you heal.

Rate Protection for a Year
Most insurance policies are based on bi-annual renewals. This means that your rates could theoretically rise twice a year. AARP offers annual renewals with rate protection. Your rates are guaranteed to stay the same for an entire year so you will have one less thing to worry about.

24/7 Claims Service
The claims process center is available 24 hours a day, 7 days a week for your convenience. The Hartford Group offers a checklist to help guide you through the steps you should take after an accident.

Other Services
AARP and the Hartford also offer other valuable services such as an extensive auto repair network to help you get moving again after an accident. Auto glass repair will help you keep your safe to drive and rental services are available if you should need a rental after an accident.

Discounts
AARP wants to help its members save money, so they offer substantial discounts. If you have an anti-theft device on your car or multiple airbags, you can qualify for discounts. Owners of multiple cars can also enjoy discounts for insuring all their autos with AARP. You can also save money by having multiple policies with the company. Members who are willing to take a defensive driving course can also get a discount for doing so. If you have young drivers in the household, they can also enjoy discounts. Training courses for drivers under 21 can help take the pain out of teenage driver rates and getting good grades will also result in a discount for them.

Getting older does have its perks, and one of them is the ability to join AARP. In addition to having a full network in your corner and taking advantage of a wide range of discounts, you can also enjoy affordable auto insurance. With the backing of a solid company like Hartford, you can drive with confidence knowing that you are covered.




Liberty Mutual Insurance Discounts and Driving Programs

September 9th, 2011 Chad Posted in Insurance Companies No Comments »

Auto insurance is not cheap, but it is necessary. Fortunately, there are many ways to lower your monthly premiums. If you are considering Liberty Mutual Insurance Company, here are some of the discounts you can take advantage of and the driving programs you might enjoy.

Multi-Policy Discount

Liberty Mutual offers more than just auto insurance. The company also offers home owners insurance and even life insurance. Decide to use Liberty Mutual as your provider for two or more of these coverages and you can enjoy a 10% discount on both policies.

Good Student Discount

Good students who study and work hard in school to get high grades are considered to be more responsible and reliable. Liberty Mutual rewards them for their excellent study habits by offering a discount to any teen driver who has a “B” average or higher on their report cards.

Group Savings

The Affinity program has more than 14,000 employers, groups, alumni associations and credit unions that are members. If you are involved with any of these 14,000 different groups, you can qualify for another discount as a result of the group savings.

Multiple Cars

Driving more than one car and insuring all of them with Liberty Mutual can also help you save on the premium with another discount.

Low Mileage

Drivers who work close to home and don’t drive the car more than 7,500 miles in a year can enjoy a discount because they are not on the road as much.

Anti-theft Devices

Insurance companies like to know the car won’t be stolen, so anti-theft devices such as passive disabling devices and alarms will also help drop the premium level.

Anti-Lock Brakes

When these brakes are on all four wheels of the car, the owner can expect to receive a nice discount on insurance premiums.

Passive Restraint

If your car has motorized seat belts that automatically protect you, you will qualify for a discount. Multiple air bags located throughout the car will also help you save money on the monthly cost.

Better Car Replacement

Most insurance companies are very straightforward in the way they handle total-loss cars. The owner will be paid for the book value of the car, based on year, make, model, features and mileage. Liberty Mutual, however, offers something special. They offer a program where you will be paid the value of a car that is actually one model year newer and has 15,000 fewer miles on it. This will allow drivers to replace their car that was a total-loss with one that is slightly newer and maybe a little nicer. This is optional coverage, however, so keep in mind that it should be purchased separately.

Accident Forgiveness

Accidents happen to everyone at some point. Unlike most other companies, Liberty Mutual won’t raise your rates after just one accident. If you have driven 5 years without an accident and more than 3 years without a violation, then you may qualify for this program. The program is not available in California or North Carolina.

Unlimited Rental

This additional coverage option will also keep you in a rental car for as long as your car is being repaired by a Liberty-approved repair facility. This coverage should be purchased at the same time as your regular policy and there are some limitations to the amount that can be spent on a rental car.

New Car Replacement

Having a new car is a great feeling. Seeing it destroyed in an accident is devastating. If your new car that is less than one year old with less than 15,000 miles is a total loss after an accident, then you can get a vehicle that is brand new. Auto leases do not qualify for this program.

Guaranteed Repairs

Take your car to a Liberty Mutual Total Liberty Car shop and the repairs are guaranteed to be of the highest quality. We guarantee that you will have scheduled appointments to have the car looked at and you will receive a written estimate.

You will also get a copy of Liberty Mutual’s Limited Lifetime Warranty on the repair work that was performed and the company will make direct payment to the shop for you. This program is not available in Alaska and is known as the Superior Service Program in Massachusetts

With our Mechanical Parts Replacement program, we also guarantee that the car parts will be covered and replaced without taking into account depreciation costs that can wind up costing you more money.

Available Glass Coverage

Windows in the car are incredibly expensive. Protect your glass from debris that kicks up off the road with Comprehensive or glass coverage to keep everything safe and new.

Liberty Mutual Insurance offers the full range of coverage. They provide drivers with the necessary liability covered required in so many states, as well as medical payments and even personal injury protection. Choose coverage for uninsured and under-insured motorists to protect yourself form other drivers.

Collision will keep your car covered in the event of any accident and comprehensive coverage is ideal for people who want to know they car will be repaired or replaces should it be vandalized or stolen.




Travelers vs. 21st Century Insurance – Get Informed

September 8th, 2011 Chad Posted in Insurance Companies No Comments »

There are many options available when shopping for auto insurance. Most people worry about what they will be charged for premiums. However, there is more to any insurance company than the amount that you see on the bill every month. When choosing a company you want to know what they offer and if there are discounts you can take advantage of.

You also want to know how strong the company is, how likely they are to still be available to take care of you in the future. Here is what you need to know if you are considering either Traveler’s or 21st Century Auto Insurance companies.

Offerings

It’s a good idea to bundle coverage with one insurer as this can provide you with a healthy discount. If you have multiple assets to protect, either company can take care of your needs. Traveler’s and 21st Century both offer insurance for all your assets from your automobile, motorcycle or yacht to your house, condo or rented property. They also offer coverage for weddings and other special events, floods, valuable items, umbrella insurance and identity fraud insurance.

Group Discounts

Both companies offer healthy discounts for being members of certain participating groups. If you are part of any association, credit union or a participating business, ask about the available discounts.

Coverage Levels

It is important to have several forms of protection when on the road. Traveler’s and 21st Century both offer coverage for bodily injury and property damage. You can purchase coverage for uninsured and underinsured motorists, in case you are struck by someone who can’t cover the damage. Medical payments should be considered as the cost of treatment after an accident can be high. The companies also offer collision coverage in case your vehicle becomes damaged by sliding off the road or some other single-car accident. Finally, comprehensive insurance is necessary to protect your car against events such as vandalism, theft, fire or other damaging events.

Discounts

Both companies offer a range of discounts to help you save money. Here is what you can expect from Traveler’s insurance in the way of discounts.

– Safe driver advantage – No accidents, violations or claims in the household
– Paid in full discount – Payment plans are available, but upfront payments will save you money.
– Multi-car advantage – Get a discount for owning more than one car
– Early quote advantage
– Multi-policy holders can enjoy up to 15% off
– Hybrid car drivers will get 10% off the premium for that vehicle
– Good student for A/B average
– Driver training for kids under 21
– Student away at school – The student must be under 25 and more than 100 miles away at their school to qualify for this discount.
– Home ownership
– New car – Drivers of brand new cars can take up to 10% off the premium for their collision coverage.
– Accident forgiveness
– IntelliDrive discounts – Designed for low-mileage drivers, people can enjoy between 5% and 20% off on their policy. This program does have limited availability based on the state of residence.

21st century is actually part of the Farmer’s group of insurance and offers a wide range of discounts, as well. Here are some ways you can save money with this company.

– Accident free and violation free for more than three years
– Anti-theft
– Defensive driver discount
– Driver’s education discount
– Good or non-drivers on the same policy can help lower rates
– Good student
– Group discount
– Mature discount for older drivers
– Multi-car discount
– Yearly accident/ violation free discount

Ratings

It’s important to know where you auto insurance provider stands and what you can expect from them. The two companies have very similar ratings from JD Power. They are both given 2 out of 5 stars for overall customer satisfaction. They both have 2 stars for their range of policy offerings.

In the area of price, they both receive 3 stars and they fall in the 2 star range where billing is concerned. The one area where they differ is in the ease of contacting a customer service agent. 21st Century is given 2 stars and Travelers is given a higher rating of 3 stars.

A.M. Best evaluates a company’s financial health and strength. They look at how solid the financial reports are and make a determination as to how likely it is that a company will still be around a few years from now. As of May, 2011 both companies have A.M. Best ratings of Excellent (A) and are considered stable.

The two companies are very similar. They both focus on low-risk drivers with reasonable driving histories. They are both solid companies that can take care of most of your insurance needs in addition to auto insurance. Finally, they both offer a wide range of discounts that can help you save money in the long run while keeping your car properly covered.