Types of Car Insurance Coverage- Get to Know Them Better






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.

 




It Pays To Be Meticulous When Shopping For Auto Insurance






When shopping for auto insurance it pays to pay attention.  There are some questions you should ask and warning signs you should heed when shopping for auto insurance.

BBB

It’s always a good idea to check the Better Business Bureau before accepting a car insurance plan, and it’s even better if the insurance agency is BBB accredited.  Businesses that are BBB accredited have to pass certain standards to become BBB accredited.  Those standards involve being in business for at least 12 months,  meeting all licensing and bonding requirements pertinent to the industry, meet all advertising and selling standards, honor promises, protect customer privacy and have integrity when doing business.  If the business doesn’t meet those standards, they will not have BBB accreditation.

If the company is not accredited by the BBB, it’s a good idea to research the BBB database to see any complaints have been lodged against them.  The idea is to be fully aware of the practices and past issues of the insurance agency you’re about to do business with.

Read the Quote

Once you decide on an actual insurance agency and receive the quote, read it in its entirety.  Sometimes there are hidden fees in the billing statements and deductibles before any insurance payment is paid out in the event of an accident.  It’s important to know those hidden fees prior to signing the paperwork and to fully understand the deductibles.  A $5,000 deductible doesn’t do you any good if you don’t have $5,000 in the bank no matter the cost of the monthly insurance, and chances are good that if it’s a really low quote, it has a really high deductible or doesn’t cover everything you need it to cover.  Remember, insurance is for what you can’t afford to replace, and if the deductible is for more than the car is worth or more than you can afford to pay out of pocket, the insurance policy doesn’t do you any good.

Check License

Make sure the auto insurance company you’re about to do business with has a current license.  It is illegal to sell insurance without a license, and you’re almost guaranteed that the company is fraudulent if they don’t have a license.  To make sure they are legitimate, also check with your states insurance department to make sure the insurance company you’re about to do business with is registered.  If they aren’t registered, they aren’t legitimate and you should avoid them at all costs.

Outline Hidden Charges

The last thing to ask your insurance agent about is any hidden fees.  Do they charge a processing or transaction fee?  Do they charge to accept checks?  Is it cheaper to have an automatic debit or to make manual payments?  These are things you need to know before you sign the paperwork.  Hidden fees and charges can add between $5 and $10 a month to an insurance bill.  It’s also imperative to ask what they do with overpayments.  Occasionally, insurance companies will reassess your insurance policy and determine if you owe more or less than you’re currently paying.  Ask what they do with overpayments and how they handle underpayments.




How Your Auto Insurance Rates Are Affected by Statistics






Insurance companies make a profit by collecting more in premiums than they pay out for claims. Customers who are at a high risk of getting into an accident, or whose vehicles would be expensive to repair in the event of a claim, pay higher premiums to compensate for the cost.

In order to determine what rates to charge, insurance companies rely heavily upon statistics, especially in instances where data for a specific driver is unknown. Insurance companies invest a lot of time into collecting claims data and compiling the information, and look at everything from the age of the driver to the times of a day a person drives or the amount of traffic in a driver’s city.

Types of Statistics Considered

Insurance companies cannot discriminate against a driver based on ethnicity, race, or disability. Gender and age do affect insurance premiums, however, as does credit score.

Credit score affects insurance premiums not just because people with poor credit may not pay their premiums on time, but also because people with poor credit are more likely to file claims than those with good credit. People with poor credit may not be involved in more accidents, but they’re less likely to have extra income on hand to pay for repairs, and insurance companies recognize this statistical correlation.

Teen Drivers

Drivers under age 25 have much higher premiums than older drivers. There are several reasons for this:

·         Young drivers do not have any driving history go base premiums on, so the company relies heavily on statistical data.

·         61 percent of teenager passengers who die in car accidents are passengers in a vehicle driven by another teen.

·         Teens are at a high risk of driving under the influence; 25 percent of teen auto accident fatalities involve alcohol.

Once a teenager has driven for several years and proven himself safe, his rates will be decreased. Teens can enjoy some relief from high premiums by taking additional driver’s education courses, as these encourage safe driving habits and are seen positively by insurance companies.

Geographic Considerations

In addition to demographic information about a driver, insurance companies also take a driver’s location into consideration when deciding on rates. More accidents happen in cities and congested areas than in rural areas, due to the number of drivers and the likelihood of accidents occurring in heavy traffic. People who live in highly populated states will tend to pay more in insurance than those who live in sparsely populated areas, as do people who live in big cities as opposed to suburbs or small towns.

Insurance companies rely on statistical information to determine base rates for policies, but drivers are always able to save money on car insurance by driving safely, taking advantage of company discounts, or increasing security on a policy. Overall, statistics serve as a baseline for an insurance company; specific rates are always changing to reflect your driving record. By making safe choices and utilizing discounts, you can counteract the effect of statistics on your insurance rates.




You Won’t Save Much on Car Insurance without Good Customer Service






There is an old saying that you get what you pay for. In car insurance, that could mean the difference between having your car repaired quickly and painlessly and waiting for weeks to speak to an agent while your car sits broken in your driveway. Grabbing the cheapest car insurance is tempting during these times when every penny counts, but in the long run, it could cost more than it’s worth in time and frustration.

The Temptation of Paying as Little as Possible

Cheap insurance is not too hard to find right now. Several national insurance companies offer web-based coverage for a song. It’s easy to sign up online, and you’re guaranteed to spend less than you would spend for an insurance company that offers more personal service. You will enjoy the satisfaction that comes from saving money on your insurance as you send off your lower premium payment every month. You’ll stay in compliance with the legal minimums while you pay as little as possible. In fact, you won’t notice any difference between your inexpensive insurance company and any other insurance company until you need to file a claim.

Potential Problems with Poor Service

When something happens and you need your insurance company, you might begin to wish you had spent a little extra on the policy. Cheap insurance costs less because the insurance companies generally invest less in service. You might find that your policy is handled by an agent who covers three or four states. You might spend weeks trying to contact an agent about a claim without ever reaching the agent in person. Some inexpensive insurance companies use call centers to interact with any customer call, which means that you might have to go through several layers of phone calls to reach a person who will be able to help you with your claim.

The Personal Touch is Worth a Little More Money

Avoiding bad service from a cheap car insurance company doesn’t mean you have to spend top dollar on your policy. Customer service can improve dramatically for just a few dollars more each month. That extra expense can be worth it if you ever need to file a claim for damages to your car. A good insurance company will handle your claim in a timely manner so that you can be on the road again as quickly as possible. The time and hassle you save by using a reliable company is worth paying for.

Striking a Balance Is Best

The key is to find good service at an affordable price. Do a little research before you commit to a new insurance company. Look online for customer review forums to see what kind of experiences previous customers have had with the company. It’s important to compare more than just price with insurance coverage. Remember, these are the people you’ll need to call when something bad happens to your car. When that day comes, you want the personal support that some of the cheapest companies simply can’t offer.




Watch for these Rental Car Insurance Loopholes






One of the best features that most credit card companies offer is car insurance coverage for rental cars. The rental coverage is free for most cardholders, and it covers you for almost any problem you might have while you are driving a rental car. While the credit card car insurance coverage is a great deal, there are some loopholes you need to be aware of before you rent your next vehicle.

Areas Not Covered by Your Policy

Most credit card insurance policies cover you in all 50 states and most foreign countries. There are some exceptions, however. Many typical rental policies do not offer coverage if you drive in Ireland, Israel, Italy, Jamaica, New Zealand, and Australia. Every company is different, however, so check with your credit card to find out where you are covered and where you aren’t.

Certain Vehicles not Covered

Credit card rental car insurance is limited when it comes to what kind of car you are renting. Pickup trucks, sports cars, and large vans are typically not included in most policies. Your best bet is to rent a standard passenger vehicle. If you get to the rental agency and they ask you to upgrade to an SUV, van, or pickup truck, check with your credit card company to be sure the upgrade is covered.

Limited Rental Period

Although the rental company will have no problem with you making an extended rental agreement, your credit card company might not offer the same flexibility. Many credit card rental car insurance policies stipulate that they only cover the car for a limited amount of time. If you keep the car longer than the insurance policy covers, you will be liable for any damages that might occur while you are driving the rental. Be aware of time limits and plan accordingly so that you are not left with a big bill at the end of the rental.

Unexpected Exclusions

It makes sense that rental insurance coverage does not cover damages that happen if a car is being used for illegal purposes or as a commercial vehicle while it is rented. Other exclusions are not so obvious, however. Some rental insurance will not cover damages that occur when you drive on roads that are not paved. If you plan to rent a car in a rural area, you should make sure the insurance would take care of you on dirt or gravel roads as well as city streets. Other unexpected exclusions may apply depending on your credit card company. It is important to be aware of these exclusions before you begin to drive your rental car.

Using Free Points or Special Offers

Some credit card rental insurance will only provide coverage if the card is used as the primary payment method for the rental. That means that you could go uncovered if you use special discounts or other promotional payment types when you rent the car. You need to make sure that the credit card pays the entire base rate of the rental so that it can be used for rental insurance. If the card is only paying for taxes and fees, you are probably not covered by the rental insurance.




How to Choose a Financially Stable Insurance Company






Auto insurance is required by law in every state. Protecting your property and your family, it’s a sound investment. It’s also a product that you hope you will never have to actually use. You want to choose a company that will actually pay the claim and take care of you should the need ever arise. Here are some tips to help you choose a provider that is financially sound, solid and likely to be around in a few more years.

Rating Services

There are several rating services available for auto insurance agencies. Not every company has been rated by these services, but the information offered by them can help you make an informed decision. Look for information on most providers with these groups:

• JDPower – Offering information on customer satisfaction, pricing and policy offerings, the one to five star ratings can help you decide if a company is worth further investigation.

• A.M. Best – Providing financial ratings on companies for more than a hundred years, A.M. Best rates insurers based on their long-term debt, short-term debt and outlook. Ratings of A or higher for long-term debt are desirable. The best ratings for short-term debt are a 1+ or 1.

The outlook indicates if there may be a change in ratings over the coming months. A stable company has a low likelihood of their financial status changing. A negative rating indicates that they may be downgraded and a positive rating indicates the group may be upgraded.

• Standard & Poor’s – It’s important to know that your insurer is able to meet all credit obligations. This is one of the top indicators that can help you determine if a company will actually be able to pay claims when the time comes. Standard & Poor’s also offers ratings based on a company’s financial strength. Look for ratings of A or better for a solid agency.

Better Business Bureau

Most insurance agencies are members of the local Better Business Bureau. Give the organization a call to see what kinds of complaints have been filed against the provider you are considering. In addition to learning about the various complaints, find out if the problems were resolved to the customer’s satisfaction. You can also check with your state Department of Insurance to see if there have been any problems with the company.

Reviews

The Internet is an incredible source of customer information. Google the insurance company you are considering along with a request for individual reviews. Please remember that every agency, especially larger ones, will have some complaints against them. It is a normal part of doing business. However, the unhappy customers should be the exception rather than the norm. You can also seek reviews on insurance comparison sites as well as by talking to friends and family members.

Annual Reports

One of the best ways to see determine a company’s financial stability is to look at their growth. This is an era of transparent accounting and most agencies now post their financial reports on the Internet. Visit the provider website and do a search for the annual report. Look for financial highlights showing revenue, earnings and sales comparisons from the previous year to the current one. This information can help you see if the group you are considering is growing or shrinking.

History

Some of the highest rated companies have been in business for well over a century. However, there are excellent companies that have only been around for the last twenty years or so and are financially sound. When looking at the history of a company, look for growth and expansion in addition to the date they were founded. The agency you choose should have a track record of growth and stability over the course of its existence.

Licensure

Every insurance company must be licensed by any state they are operating in. Using the Internet to find the best price is an excellent idea, but make sure the agency you select is properly licensed in your state of residence. If you have any doubts about the licensure, or can’t find the information on the company website, contact your state Department of Insurance to verify the information.

Choosing a financially solid company is as important as finding one with great prices and excellent customer service. The process can be a little time consuming, but it will allow you to make an informed decision. You want to choose a company that will be there for you when they are needed. Taking the time to research different agencies will allow you to find the right one.




Discount Coverage with Auto One Select Auto Insurance






AutoOne Select Car Insurance offers coverage to assigned risk drivers. Customers that most insurance agencies will not cover, Auto One specializes in keeping them legally covered. Working through independent agents in the state of New York, AutoOne can help those drivers who have been turned away by countless other companies. While drivers can’t specifically choose AutoOne, here is what you can expect if you are assigned to AutoOne.

Understanding Assigned Risk

The insurance industry has three tiers for determining the level of risk involved with insuring a person. Preferred drivers have the safest, cleanest record. Standard drivers have average records and non-standard drivers have records that are spotty and littered with accidents or tickets. However, not all drivers fall into these tidy categories.

There are many drivers who find that even companies who specialize in SR-22 policies can’t help them. They can legally drive in the state they live in, but they can’t find a company to provide them with the necessary insurance. Fortunately, these drivers can still get on the road through a risk pool.

Limited Features

As an insurance provider who is willing to cover drivers with the most troublesome records, AutoOne does not have an extensive list of products to choose from. They offer a basic insurance plan that will keep drivers legal and allow them to stay on the road. The insurance period with AutoOne or another assigned risk provider is the perfect time to improve driving habits and clean up the permanent record.

Pricing

Don’t look for great prices with a company that specializes in covering high risk drivers. Rates are typically based on past driving record, so you can expect your costs with AutoOne to be higher than they would with other companies. However, since most other companies aren’t willing to offer insurance to assigned risk customers, you will probably have to pay the fees that are presented to you.

Non-Cancel

The great benefit of AutoOne, however, is that your coverage cannot be cancelled for fresh driving offenses. You will be required to sign up for a set number of years and the company will only be able to cancel your policy during this time for non-payment of premiums. This makes it the perfect opportunity for you to clean up the driving record. Lose the lead foot, learn how to obey the traffic laws and then patiently wait for your official record to improve. When your policy ends it should be easier for you to find affordable insurance with a record that is clean and presentable.

Getting a Policy

A non-traditional company, getting a policy with AutoOne isn’t as simple as it might be with other insurance providers. The best solution is to go through an independent agent in your area. They can step you through the special paperwork that must be completed and help you submit the application. It is important to note that drivers who are in an Assigned Risk plan are placed with insurance companies throughout the state on a random basis.

Coverage States

In addition to providing coverage in New York, AutoOne also offers coverage in several other states including:

• Arizona
• California
• Colorado
• Connecticut
• Delaware
• Idaho
• Maine
• Montana
• Nebraska
• Oregon
• Pennsylvania
• South Carolina
• Texas
• Utah
• Vermont
• Washington
• West Virginia
• Washington D.C.
• Wyoming

A special company for drivers with challenging records, AutoOne can provide you with coverage when every other company has turned you away. Landing in the assigned risk pool can be embarrassing and frustrating.

Take advantage of the non-cancellation aspect of the policy to improve your driving record. In a few years, you can be enjoying low rates and great coverage as a result.




Wisconsin Law Misses the Point on Higher Car Insurance Liability Limits






Wisconsin recently enacted a new law that substantially lowers the minimum car insurance required by law. While this sounds like a win for consumers at first, the truth is the new law could end up far more expensive for drivers in the long run. Lower coverage requirements leave drivers without enough financial protection to cover the damages from even a relatively small collision. Consumers need to realize that when the insurance runs out, the rest of the money to pay for repairs and medical bills will come from their own pockets.

Previous Limits Already Too Low

Consumer advocates complain that the minimum requirements for car insurance in Wisconsin were already lower than they should be. Before the new law is enacted, customers were required to carry at least $50,000 in liability coverage. The new law cuts that number in half. That leaves $25,000 available through the insurance company to cover all of the costs of an accident. In many cases, the medical bills alone will exceed the former $50,000 limit, especially if more than one person was in the car at the time of the accident. A $25,000 limit will hardly make a dent in common accident costs.

Consumers Bear the Brunt of Lower Coverage Limits

Once the insurance money runs out, consumers are left to handle the remaining bills on their own. Since the consumers who choose the lowest legal car insurance limits usually have lower incomes, this could become a serious problem for Wisconsin drivers very quickly. Motorists could face lawsuits and seizure of their assets in order to cover their liability costs after an accident. The new law actually benefits insurance companies far more than it benefits drivers because it limits the amount that the insurance company is responsible for.

Law Change Intended to Help Consumers

Wisconsin lawmakers passed this law with the best of intentions. It was intended to help more people afford to purchase car insurance during these difficult economic times. If more people can afford the minimum legal car insurance requirements, there should be fewer uninsured motorists on the road, which should help everyone in the event of an accident. The trouble is that when drivers are allowed to carry coverage that does not begin to meet the needs of almost any collision, the insurance is not effective for either party involved in the accident. The new limits will hardly scratch the surface of the overall damages, and the person who had been trying to save money on insurance will eventually have to spend far more money than they would have if they had purchased a more effective policy.

Advocates Urging Consumers to Purchase More than the Legal Minimum

The good news is that consumers can choose to buy policies with higher limits than the legal minimum. It is in every driver’s best interest to purchase enough insurance so he or she will be covered after a serious accident. Buying a policy with a higher limit might cost more in the short term, but it will be a much easier investment over time if it will provide protection against the high costs of damage or injuries after a collision.




Cost Insurance Rates for Army Families






The military lifestyle is a unique one that many businesses don’t understand. When choosing auto insurance for your family, you want to make sure you are working with a company that can meet the special needs of the military. Here are the key factors to consider before signing a contract with any provider.

Overseas Deployment

It’s common for military families to be sent overseas for a few months or even a few years. The ideal solution is to choose a company that can offer you insurance around the globe. Designed for military families, the best option for global coverage is USAA. Founded by a group of officers, this company understands the unique needs of military personnel and can provide you with coverage in several different countries.

Leaving the Car Behind

There are times when your car can’t go with you to the next duty assignment. Whether you are being stationed in a remote area or you know that you won’t be driving while overseas, you will still require insurance for your parked vehicles. Letting the insurance lapse will leave you without coverage if something happens to your car in storage.

The lack of coverage for any period of time can also make it difficult to buy a new policy when you are ready to get behind the wheel again. Look for a company that can provide you with drastically discounted rates for periods when your car will be not be on the road.

Transfers

Moving is a regular part of military life. It’s normal for military families to move every few years. The easiest way to ensure continuous coverage is to choose a company that operates in all fifty states. Rather than trying to find a new company with every move, you simply have to contact your agency and give them your new address.

Customer Service

Insurance agents can be incredibly helpful. They will help you decide on the right coverage and can give you assistance should you need to file a claim. However, they will also have to be left behind when you are transferred. Moving is difficult enough and the military isn’t known for giving soldiers a lot of notice when they will be relocating. Focus on finding a company that has top-notch customer service representatives and deal directly with the company instead.

Prices

While rates are not going to rise just because you’re in the military, they necessarily drop, either. Most insurance providers don’t offer discounts specifically to military members, although you can find some that are less expensive. Visit comparison sites to locate insurance companies with the best rates for the coverage you need.

Easy Payment Options

Preparing for a deployment or permanent move is stressful. Choose an insurance company that can ease some of the burden by providing you with easy ways to make the payments. Many insurers now take payments online as well as offering direct withdrawal services. Having these abilities can help you stay on track financially and avoid a lapse in coverage when you are focused on an upcoming move.

Providers

Here are a few of the companies who understand the unique needs of our country’s defenders and will work with you. They have the lowest rates and special programs that can prove valuable to you and your family.

• USAA – Founded by military officers in the early part of the 20th century, this insurance company specializes in providing insurance policies to members of the military.
• Geico – Their special military program offers you overseas coverage, a special storage protection program and support services to help you stay on track even when you are preparing for deployment.

The military has a unique job and they need the right kind of insurance company to take care of them. You need to look at more than just the price that is quoted to you. Look at the states they operate in, the availability of overseas coverage and their customer service record. With a little research, you can choose a company that understand the different aspects of military life and will work to meet your needs.




Save with Assurant Car Insurance Specials






There’s more to protecting your car than simply purchasing auto insurance. Assurant has several policies that will provide additional coverage for your auto. The extended protection programs available through this company can help save you money over the life of your vehicle. Lower repair costs, enjoy your auto for a longer period of time and enjoy substantial savings over the long run.

Extended Service Contracts

When the factory warranty runs out on your auto you are typically on your own with repairs. However, the extended service contract from Assurant gives you additional protection against mechanical breakdowns and other problems.

Sold through dealerships, these warranty programs are available for new and used vehicles including RV’s, motorcycles, all-terrain vehicles and boats as well as passenger automobiles. You can even purchase coverage for your collectible or antique car with Assurant.

Covered Items

Much like the bumper-to-bumper coverage on a new car, the Assurant extended service contract covers a wide range of items. Parts and labor coverage can be customized to meet your needs. Choose a plan with a low deductible or choose one that will cover your vehicle at 100%. Accidental damage is covered as well as normal wear and tear. Drive your car with confidence knowing that you will be covered if something should break. You will be able to keep the auto longer because the expense of repairs will not force you to trade it in or sell it before you are ready to.

Customizable

Assurant believes in offering products that will suit their individual client’s perfectly. That’s why their extended service policies can be customized. Decide on the deductible level you are interest in. Different program choices may feature various benefit start periods, “no lemon” coverage and even the ability to transfer the contract. When purchasing an auto through a dealer, discuss the extended service plan and find out what all the options are. Consider how long you plan on keeping the vehicle before making a final decision on which program will work for you.

Nationwide

It doesn’t matter where you live or where you buy your next vehicle, Assurant can provide you with the extended protection you need. Offering products in all fifty states and the District of Columbia, Assurant Specialty Property insurance will cover your new or used car and allow you to enjoy it longer.

Other Products

Assurant doesn’t just provide you with extended warranty programs for autos. They also offer additional protection for homeowners, manufactured houses and farms. The agency can even provide you with insurance through the Federal Flood Program. In addition to covering the structure, they will also cover the contents. An excellent supplement to your regular insurance, it can easily bridge the gaps that are often left between what the damage actually is and what your regular insurance will take care of.

Ratings

Highly regarded by the ratings agencies, Assurant enjoys high marks across the board. They have a rating of Excellent, or A, with A.M. Best and a Good rating with Moody’s. Standard & Poor’s also gives them a high rating of Strong.

History

Assurant has a strong history. Founded in 1892, it was originally known as the LaCrosse Mutual Aid Association. Over the years the company has merged with other agencies and continued to expand its product offerings. The company is now a large, publicly traded agency with a strong commitment to the communities it operated in.

When you are ready to make a big purchase, consider adding Assurant specialty product insurance to the package. Offering you valuable coverage for your auto, home or other big purchase, this protection will allow you to get more years of service out of your investment. The insurance is affordable and will allow you to save a great deal of money in the long run.