| Saturday, August 11, 2007 |
| How to Compare Auto Insurance and Why it’s Important |
Insurance can be an area that is difficult to compare for many people. You may be wondering why you should compare auto insurance at all; to individuals not in the insurance industry one auto insurance provider may seem very similar to another.
Why Compare Auto Insurance Providers?
It may seem difficult to differentiate auto insurance providers at first; there are so many ads on television and the Internet, the names and slogans eventually become hard to separate. This can create the illusion that all auto insurance providers are essentially the same and make the consumer think that comparing them is unnecessary.
All auto insurance providers are not equal in all areas. The first step to compare auto insurance providers is to consider what is important to you in an insurance company, and then you can consider what is important to you in an insurance plan.
Why Compare Auto Insurance Plans?
Auto insurance plans can vary as much as their providers. There are many things to consider when you are deciding on what plan is right for you. Finding the right insurance provider can be helpful at this point; they will be able to help you wade through some of the options and decide what’s right for you.
Some things to consider include, will you need a rental car if you are in an accident? Do you need road side assistance or is this included in your car warranty? Do you need collision and comprehensive insurance or are you only concerned with covering damage you may do to another person’s vehicle in the event of an accident?
How to Compare Auto Insurance Providers and Plans
The Internet is a powerful tool that can be used to compare auto insurance providers and plans. You can do everything from gaining company information to checking the differences between coverage types and limits online. A person can even use the Internet to gain multiple quotes and compare various provider rates.
When using the Internet (or even calling your local insurance offices) for this purpose one must make sure to compare quotes using the same plan designs and limits. A person should also keep in mind what he or she wants from a provider. The level of service and convenience may vary provider to provider.
In order to ensure a person is with the right provider for them, and that their plan design is right for their needs, it is best to become educated on the subject to a certain degree so you are able to compare auto insurance plans and auto insurance providers as accurately as possible. |
posted by Joe @ 9:10 PM
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| Thursday, July 19, 2007 |
| Understanding Illinois Auto Insurance |
Illinois auto insurance is a must for people living inside the borders of the state of Illinois. It doesn’t make any difference how far work is or what time of day a person drives. If someone lives in Illinois, they have to have Illinois auto insurance. Every state has some small differences in the law but most of the regulations concerning driving a car are the same. When people get insurance in the state they can use any insurance company licensed in the state. This means that if a person moves to Illinois, if they have a large nationwide insurance company, they should be able to keep their insurance company and not have to look around. Most of the different large insurance companies that advertise on the television, radio, and internet have licenses for all fifty states.
When a person moves into Illinois they do need to find out what some of the laws are in the state before driving very much. If not, the law enforcement will ticket the person and that goes directly against their Illinois auto insurance. To find out about the specific traffic laws for the state of Illinois a person can get a state drivers education handbook and review it.
One thing that some people may not know is that they can be ticketed for talking on a cell phone while driving. Studies have proven that a person talking on the phone while driving is impaired the same amount as someone who drives while intoxicated. With the cell phone being as distracting as drinking, people should just wait until they can leave the car to talk with whomever.
Reducing The Rates For Illinois Auto Insurance
One great thing that happens when more people obey the law is that the insurance rates can drop. Between 2003 and 2004 the insurance premiums dropped about four percent. This might not seem like much but if a person would look at what they pay and subtract the four percent, it becomes evident that there is extra money left over to work on the house or go out to dinner or even take a small trip. Making Illinois auto insurance more affordable is well worth being extra careful to follow all vehicle and traffic laws. If everyone would follow the laws there would be less traffic accidents and less traffic tickets which in itself is a great benefit but would only be enhanced by having less expensive Illinois auto insurance. |
| posted by Joe @ 8:06 AM
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| Reasons To Go With Metlife Auto Insurance |
You may recognize the Metlife name because of their long association with the characters of the Peanuts comic with the company. Indeed, Snoopy graces their website to this day, a long-term association. But there’s more to Metlife auto insurance than who they use as their spokesman characters. Metlife is a company with a reputation for providing quality insurance coverage, and so when you need to insure your car or truck, turning to Metlife auto insurance should be given due consideration. If you haven’t looked into this company for your insurance, here are a few reasons why you should:
A Long History
One of the best reasons to go with Metlife auto insurance is because they have more experience in the insurance business than most companies, weighing in at over 130 years in business now. With such a long history, you’re guaranteed a company that knows how the insurance business works. If you want a company that’s built a business behind solid business practices, this means going with Metlife for auto insurance and not some no-name company.
Discounts For Claims-Free Driving
A great feature you get with Metlife auto insurance is rewards for driving for a period of time without generating any claims. The benefits can be pretty nice, reducing the deductible by up to $50 for each year of claims-free driving you have. For those who aren’t prone to accidents, then this is a guaranteed savings in the event you do ever meet with some bad luck and need to come up with the cash for your car’s deductible.
Guaranteed Replacement Of Parts
Another benefit that comes from selecting Metlife auto insurance is that they guarantee replacement of certain parts in the event of an accident, no matter what. Since most of the parts, like tires, shocks, and brakes, are pretty critical parts of the car and parts that directly affect the car’s safety. When you’re in an accident, any lowered cost is going to be a big help, even with insurance coverage, so it’s a good benefit you get from Metlife auto insurance.
For those with new cars, the guaranteed replacement that comes from Metlife auto insurance will cover your entire car. Made for those who get their car ruined with less than 15,000 miles on it, this coverage from Metlife auto insurance guarantees that an awful situation, the wrecking of your new car, won’t end too badly, since you’ll get another new car out of the deal. It’s just one of the benefits that makes Metlife auto insurance a great choice when you need coverage. |
| posted by Joe @ 8:05 AM
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| Thursday, June 21, 2007 |
| International Auto Insurance Companies |
Some people enjoy traveling around the world and seeing other cultures different than our own. Some of the people who travel a lot may choose to stay in a certain country for an extended period of time to live in the culture. Unless these people have someone who will drive them wherever they want to go, they will need to rent or buy a vehicle and have international auto insurance. Americans who travel abroad will normally not be covered under their normal insurance company. It is extremely important to check with ones personal insurance company to see if people are covered before they leave for their trip.
One company that offers international auto insurance is Geico. Geico started out as an insurance company that insured government employees including the people in the military. Since 1954, Geico has also insured people from America in over two hundred countries around the world. They have done this through a subsidiary company called International Insurance Underwriters. What they do is find where someone is going to be living and then find a local insurance company that is licensed in that country. International auto insurance is made easier when people deal with Geico. Geico now sells insurance to everyone in the US and not only government employees. They are very customer friendly and competitively priced.
More International Auto Insurance Companies
Another insurance company that offers international auto insurance is AIG. AIG offers its international auto insurance through one of their subsidiaries called American International Underwriters. They specialize in finding the right kind of insurance in the country that people will be in. They do this in order to get the most protection available in any other country. For those people who now live full time in the country they have visited, AIG now has service for them and people can call AIG to find out more information.
These are the two companies that many people rely on when abroad. There are other smaller companies that provide services also. Most people however will use one of the two big companies; Geico and AIG. While both of the international auto insurance companies are close in service and cost, people might just want to call each company to directly compare prices and services. When dealing with international auto insurance, the main goal is to make sure that a person is genuinely covered from the country they will be in. Both of these companies have a long history of helping Americans over seas. |
| posted by Joe @ 5:31 AM
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| This Ain’t No Hen House: Putting The Word Out On Cheap Auto Insurance |
Everyone loves a bargain. All through history, bartering and haggling have been a big part of buying and selling- the heart of commerce. Post holiday sales have always been very popular with shoppers because of the great discounts and savings they get to enjoy. Clipping coupons for grocery stores is also a very common and helpful way to save money in just about every household.
You can find cheap curtains, cheap furniture, cheap electronics, and even cheap vehicles. Should you not also expect to be able to get cheap auto insurance? Thanks to certain insurance companies like Geico, Progressive, and Safeco, the rest of the industry is catching on to the epiphany of offering extra incentives and discounts to existing customers and cheap auto insurance rates and quotes to attract new clients.
Time To Talk Cheap (Auto Insurance That Is), Not Turkey
Some consumer experts may say that cheaper does not mean better or even equal quality. This can be true with some products. Sometimes there is a reason why the name brand costs as much as it does. And substituting faux materials for the real thing may be cost effective, but quality and workmanship may not be up to par. It is up to you to research those lesser known brands and products names and determine for yourself what the best is for you and your family.
Can this particular argument be used in regard to companies offering cheap auto insurance? A simple check on any search engine online will reveal a host of insurance companies; some are well-known and others may be a bit of a mystery to you. But most are all touting the same thing: cheap auto insurance. Do you automatically ignore the no-names? Does everyone get a fair chance for your business?
Asking for a quote is not locking you into any kind of policy. This is a way for both the client and the company to check each other out and decide if there is enough interest to take the initial inquiry to the next level. You can almost think of this like a first date. If cheap auto insurance is what you are looking for, it may be a good idea to get more than one quote from a few different insurance companies in order to compare. This will cut down on the amount of time you spend on this particular matter. |
| posted by Joe @ 5:31 AM
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