Esurance vs Farmers – How Do They Match Up?






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.




Will New Massachusetts Car Insurance Rate Regulations Backfire?






In many states, your car insurance rates are partially based on your profession, education and credit score. Statistically, engineers are less prone to car accident than say, bar hops, so it makes sense to charge a lower insurance rate to the former. Those with a college degree have fewer accidents than the less educated, and those with better credit scores are more likely to pay the car insurance bill in the first place.

Massachusetts Car Insurance Rate Regulations

Massachusetts outlawed socioeconomic rating long ago, allowing insurers to charge based on driving history only. In April 2008, facing pressures from insurance companies that said the rates were squeezing them out of the state, Massachusetts changed to a competition based system in which insurers set their own rates within the Massachusetts Insurance Commissioner’s guidelines. So far, commissioners have stuck to the socioeconomic rating ban. But should a commissioner with sympathies towards insurance companies take office; that could change.

Legislation Seeks to Ban Socioeconomic Rating Practices

The Massachusetts Association of Insurance Agents wants to prevent that with a recently proposed 2012 ballot referendum and a legislative measure that ban socioeconomic factors when calculating car insurance rates. The association tried for legislation last year but failed, so it’s trying again and adding a ballot initiative this time. To be successful, the association needs nearly 69,000 signatures before December 8.

Insurance Companies Balk

Insurance companies believe the measure goes too far. Not only does it ban practices not allowed under current rules, but it’s also vague about what factors can be used for discounts. Such language could be interpreted to eliminate good student discounts or special group discounts. That would certainly backfire for residents, eliminating helpful discounts in place today.

Consumer Interest Groups Support the Legislation

Deirdre Cummings is the legislative director of the Massachusetts Public Interest Research Group (MassPIRG). The group fights special interest groups on behalf of Massachusetts residents. Cummings often finds himself stuck in the middle when it comes to car insurance rate hikes. Consumers don’t believe insurance companies have any business in their personal lives. Some say it’s unfair that a high school graduate who decides to enter the workforce right away gets no shot at a good student discount. A laid-off worker whose credit score suffers would suddenly have to pay more for insurance at a time he can afford it least.

“Sometimes people feel a little violated that somebody’s looking into what they feel is a personal financial matter,” Cummings said. “We’re the middle person that has to explain to them why they’re being penalized. It’s not exactly the kind of news you want to share with somebody.”[1]

It’s likely that such a law would help consumers overall, even if it eliminates certain discounts. The combination of open competition, underscored by certain legislative restrictions would allow Massachusetts drivers to pay rates that stem from their personal driving histories rather than rates based on arbitrary life situations over which one has little control. Some would pay more, but some, especially those facing the toughest economic times, would pay less.

 


[1] http://www.wbjournal.com/news49874.html




Knowing Your Aflac Car Accident Insurance Coverage






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






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.




Car Insurance Rates for Low Income Families






When there’s barely enough money for groceries, it can feel like paying the car insurance bill is impossible. Too many low-income families wind up foregoing car insurance because the priorities dictate that the children need to be fed first. However, there are ways to get affordable insurance, no matter how tight the budget is.

Going Uninsured

Many people are faced with the miserable decision of having to skip car insurance. They drive without the insurance, taking care to avoid accidents and praying that they aren’t pulled over. While this is understandable, going without auto insurance leaves the family open to a lawsuit should there be an accident.

You may not have a home or other assets that can be taken, but your income is an asset. In the absence of an ability to pay for an accident, you could wind up having your wages garnished to pay for the damages. Don’t take chances on landing in this unfortunate position.

Solid Record, Top Companies

Auto insurance companies don’t look at your earnings. They glance at your credit report and pay close attention to your driving record. If you have a clean record, you can qualify for affordable insurance with national companies like Geico, State Farm, Allstate, Progressive and Liberty Mutual. Being low-income does not mean that you are an irresponsible driver, so you don’t have to pay the same rates that drivers with excessive tickets or accidents pay. According to the experts at JD Power, the companies with the most attractive pricing plans are the following:

– Ameriprise
– Amica Mutual
– Erie Insurance
– Shelter
– Geico
– Auto-Owners Insurance
– Automobile Club of Southern California

Higher Deductible

You only have to pay the deductible when your vehicle or property is damaged. The deductible does not come into play when your insurance is paying for damages to someone else’s property or their injuries. Choosing a higher deductible is the fastest and most effective way to get the premium lowered. The best part is that it won’t increase your risk of getting into an accident. Choose a deductible of $1000 or higher to keep your costs low.

Classes

Many insurance companies are now offering discounts for drivers who take classes. Learn how to be a safer driver with a defensive driving course and enjoy lower premiums. Here are some examples of the savings and benefits that you could take advantage of.

– Geico customers living in most states only pay $19.95 for the approved class but get up to a 10% discount on applicable coverages.
– Ameriprise offers a 5% discount for senior citizens who take a driving class.
– Statefarm offers the Steer Clear Driver Program through their company. Completing the course can earn you a discount with the company.

Other Discounts

Most insurance companies offer discounts for having a clean driving record. When signing up, clarify if you were given that discount. If you have more than two cars you can get a discount for insuring them on the same policy. Talk to the agent about the different discounts you might qualify for. These include discounts for safety features, anti-theft devices, good credit and more.

Mileage

One benefit of working close to home is that you don’t put a lot of miles on the car. The savings in gas is another benefit. What you may not be aware of is that you will also enjoy lower insurance premiums if you do not put a lot of miles on your car in any given year.

Collision and Comprehensive

The decision to skip these coverages should be weighed carefully. If your car is financed, the finance company may require that you carry both coverages. Collision repairs your car after an accident and comprehensive pays for damage caused by vandals, theft or severe weather.

Opting not to have these coverage plans will save you substantial amounts on your policy. However, you must keep in mind that if you cause an accident your insurance will not pay for any damages to your car unless you have collision. Take into account the value of your car and how likely you are to be able to replace it should something happen to it.

Check Around, Even if you have Insurance

You should regularly check with other companies to see if they can beat the rates you currently have. Loyalty doesn’t always reward the consumer, so be willing to change companies. Before making the plunge and moving to another company, call the one you are with and ask if they can match or beat the price you are being offered.

State Programs

Some states offer low-cost auto insurance programs that are designed specifically for low-income families. California, for example, has the California Low Cost Automobile Insurance Program. This program provides the insurance coverage that it required by law at discounted prices that most people can afford. You can contact your local department of job and family services to see if there are any programs in your area that might be of assistance.

Comparison Sites

Sites that ask for one application in exchange for several quotes can help you find the most affordable auto insurance options that are available. The information will come back quickly and you will be able to get the insurance you need to protect your family. Remember to ask for every discount you might qualify for and choose the coverage levels that fit within your budget.




Low Cost Insurance from ACE






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






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






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






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.




Get Up To a 30% Discount on Car Insurance for Passive Restraints






Everyone is looking for ways to get the most out of the discounts on their car insurance. There are many discounts available depending on a few different factors, many of which we will discuss throughout this article.  Insurance companies like Allstate, for example, are giving discounts of up to 30% for passive restraints.

In order to qualify for the passive restraint discount the vehicle must have come from the factory with the airbags or electric seat belts installed prior to ownership. Most, but not all companies offer this discount so be sure to ask when shopping for a policy.

Discounts Aren’t Created Equal

Auto insurance discounts fall into a few different categories. The first category involves “popular discounts.” These include reductions for the safest drivers based upon driving history or money off for good grades in school (an especially a good perk for new teen drivers). You can even earn a discount simply by changing your policy early (before expiration and renewal is due). Many companies offer an additional 10% incentive for switching your policy early.

Second, there are discounts for vehicle equipment. These discounts cover passive restraints (at 30%), anti-lock brakes and anti-theft devices (both offering 10%). The third category offers discounts of approximately 10% for merely bundling your insurance policies. Having the same company write your car, home, renters or even life insurance policy, by simply combining a few policies will save you money. There are even discounts available just for being married.

The discount opportunity list goes on so be sure to check with an insurance agent or company for a full list of discounts available to you. What a better discount than for safety with passive restraints. Not only could they save your life it offers the greatest discount.

Car Insurance discounts are so diverse that they cover a whole range of demographics. If you are lucky enough to fit into several categories, you could really start to rake in the discounts. Unfortunately, if you are a single man, under 30 (or single women under 25) not living on a farm, with bad grades (if in school), no passive restraints, in a high theft area, don’t pay your policy in full, don’t have anti-lock brakes or even a theft deterrent device, then you are going to be paying the highest premiums possible.

Asking for the Discount

Obviously, you’d have to be pretty unlucky to find yourself unable to qualify for at least one kind of discount.  With so many options available, there’s a good chance that you qualify for a discount.  Knowing what discounts are available and what you can qualify for might require some effort on your part, but can really be worth it. If you are a household, which can consist of marriage (same-sex or traditional), domestic partnership or civil union, will start you on the road to at least 10-15% off your insurance premium, which will most likely require a marriage license or proof of certification.

The passive restraint discount can be applied to even the oldest of vehicles that have at least electric seat belts. Most cars these days come standard with airbags.

You should always treat your policy renewal as if it were the first time you are getting insurance for your vehicle. Be as thorough on your renewal as you would be on a brand new policy. Often times, discounts are available but we just didn’t know to ask.