» Auto Insurance Articles

Should I Buy the Cheapest Policy?

jenngerl — Fri, 08 Apr 2011 17:47:15 +0000

Debating whether or not to purchase the cheapest auto insurance plan? Take time to consider the pros and cons before making a decision regarding your insurance coverage. Many people need full coverage, but how do you know if you’re one of them? If you have an auto loan, live in a dangerous area, or have a bank account with a six-cent balance rather than a six-figure balance.

Avoid the Cheapest Auto Insurance if You Have an Auto Loan

When you have an auto loan, your vehicle is not really yours. Yes, you’re the one who puts gas in it and lovingly takes it to the car wash each week, but it doesn’t belong to you. Sorry. That means if you are in a car accident, you have to continue paying for your car or they will take it away. Even if your car is totalled. Wondering why you should even care if the car company repossesses your totalled vehicle? The repossession will show up on your credit report, making it difficult for you to purchase another vehicle in the future. Also worth noting: in some states, full coverage is required by law if you have a lease or loan on your vehicle.

Avoid the Cheapest Auto Insurance if You Live in a Dangerous Neighborhood

Live in an area full of crime? You need a good car insurance plan. Studies have shown that cars in crime-infested areas are more likely to be stolen or damaged. If you have the cheapest auto insurance plan, you won’t be protected. Don’t let thieves or vandals ruin your day. Protect your vehicle.

Avoid the Cheapest Auto Insurance if You Don’t Have Any Money

You’re probably thinking that you definitely need the cheapest auto insurance plan if you’re broke, but that’s not necessarily true. If you have no money and the cheapest car insurance plan, what do you think will happen if you’re in a car accident? You’ll be responsible for any damage to the other vehicle, but your insurance many not cover the cost of repairs for your own car. If your insurance plan doesn’t cover the other vehicle, the driver can sue you. You think you’re broke now? Wait until your wages get garnished to cover the accident costs that your insurance refused to pay.

The General Auto Insurance Costs

jenngerl — Mon, 04 Apr 2011 17:11:52 +0000

Many people want to know about The General Auto Insurance prices, but much of it has to do with the area in which you live. Therefore, people in certain areas of the country will always pay more than others, since insurance companies have decided that these areas create a higher risk. If you feel as though you live in an area with higher than average premiums, the only thing that you can do about it is drive carefully and gain as many discounts as possible. Even people who live in these areas are eligible for discounts, so take care of your driving record and you will begin to save money, especially when they choose a company like The General.

The General has Gone Green

On March 18, 2011, The General announced that they now have a paperless option for paying your insurance premium. This might be an ideal option for you, not just if you have a soft spot in your heart of the planet, but also if you are a busy person. Have you ever written that check and then forgotten to mail it? Or put a bill in your ‘to-do’ pile only to rediscover it after payment is due? With paperless billing, you can pay instantly online. No need to dig out the check book and run to the post office for stamps. Auto insurance companies also often offer the option for reoccurring payments, so you literally don’t have to lift a finger to get that bill paid.

No Checking Account? No Problem!

Do you usually pay your auto insurance premium by wiring your payment or obtaining a money order? Tired of having to pay money just to make your payment? On the same day that The General auto insurance company announced their new greener payments, they also announced the release of a new payment option. Using their partner Netspend, you can pay your bill with a prepaid debit cart. To launch this new option, they are offering a limited time promotion; receive a bonus $10 on the debit card after making your first qualified transaction. See Netspend’s or The General’s website for specific details and the restrictions on the offer

Save With Discount Auto Insurance: Shop Online

jenngerl — Fri, 01 Apr 2011 17:24:31 +0000

The phrase “Discount Auto Insurance” conjures up fantastic savings doesn’t it? But were you hit with an increase on you auto insurance premium last year like most people? Due to the poor economy, more and more people are slashing their spending. Some even take the risk of driving without car insurance. This is not only illegal, but it is financially risky as those who have accidents, even minor ones, don’t have an insurance company to turn to for help with the bill. In fact, very often, they cannot pay the bill. This leaves you, the person who go rear-ended, with no where to go for help except your own car insurance. In December of 2008 CarInsurance.com reported that the number of uninsured drivers had doubled from the previous year. More recently, Minnesota Public Radio wrote about growing concerns about uninsured motorist on the road. While national unemployment numbers have been improving, (Feb 2011 is at 8.9%, down from 9.7% the year before according to National Unemployment Summary at ncsl.org) they are still at record highs. Auto insurance companies are gearing up for more claims involving uninsured motorists by increasing your premium.

Of course, even with all of that, it is still possible to save on auto insurance, but the truth is you are going to have to work at it. The savings are out there if you use the internet for fast research, comparison shop and reexamine your basic auto insurance. The two methods for saving money include finding identical coverage for a cheaper price and cutting out extras and unnecessary items from your policy.

Comparison Insurance Websites

Make the most of your time looking for discount auto insurance by using comparison-shopping websites. Comparison websites have you fill out a form indicating the auto insurance requirements you need, such as collision, comprehensive, liability, towing and so on. They search databases of several insurance carriers and return quotes and results to your email. You compare the results and select the cheapest rates that provide adequate coverage. To locate comparison sites search on “comparison shopping car insurance”. Both esurance and QuoteWizard are two examples of insurance comparison shopping websites you can use for comparing quotes from multiple insurance companies. Using these tools is a great way to speed up the shopping process. Compare like information for accurate quotes and dispense with unneeded coverage for discount auto insurance.

Buy Car Insurance Online

Purchasing insurance and maintaining it through an online website has several advantages. Everything you need to maintain your car insurance is all in one place. You can make changes to your policy online instantly such as adding another driver or removing unnecessary coverage to save money. Make monthly or yearly payments online and save on stamps. Several online auto insurance sites charge less for their services because they are not supporting all the costs involved in traditional brick and mortar locations. Many sites exchange information through email or provide live chat.

Paying the Price for Online Car Insurance Quotes

jenngerl — Thu, 31 Mar 2011 18:20:09 +0000

Obtaining an online car insurance quote has never been easier. Companies currently offering free reward points for games and other items are offering the chance to earn points while getting the best deal on car insurance. These reward point systems and online car insurance quote sites are coming under heavy fire lately. Lead generation techniques for marketing and sales companies are using landing pages to gain valuable personal information before sending the consumer to their quote This information can then sold out to other companies for telemarketing, bill collections, and cold calling marketing and sales.

The biggest part of the scam to get personal information is to use very low online car insurance quote rates. In June of 2010, AutoInsuranceQuote.com, reported that companies will post largely discounted online car insurance quotes People see the quotes and see a much lower rate than the one they are currently paying. The consumer in turn goes to the site, hits the landing page, gives over their personal information, and then is sent to a page that shows a rate nowhere near the one that was originally given. It does not matter if the policy is sold at this point because the information that the marketing company required has already been obtained.

All online car insurance quotes, however, are not behind this ongoing marketing scam. In fact many of the major players in car insurance quotes, such as Geico and Progressive, are telling customers to go directly to the website for a quote rather than using an online reward system. They warn that only a direct link to their site and their online car insurance quote information will be secure. That direct links are the only way to ensure that private information is not being used or sold to other companies.

It is also advised that consumers requesting online car insurance quotes should read everything before clicking on continue or accept. There are check boxes that are automatically marked and could mean the difference between keeping your information safe and secure and giving it out to every marketing company that has the funds to buy it. Everything comes with a price even online car insurance quotes.

Car Insurance Comparison – Why It is Important

jenngerl — Wed, 30 Mar 2011 16:54:00 +0000

Knowing what to look for when making a car insurance comparison is getting to be more important all of the time. Most, if not all states require motorists to have some level of auto insurance. But now, states like Mississippi that do not have insurance databases are going to have them, and there must be proof of insurance before the automobile can get its tags renewed. According to the Jackson Free Press, the Mississippi legislature passed a new law in mid-March of 2011 requiring that motorists have more than just an insurance card, but actually have the insurance and be in the database. No insurance means no tags. This will prevent motorists from signing up for insurance and then canceling the policy to save money and still have the card.

With this becoming more common, it is more important now than ever to know how to make a car insurance comparison. Everyone wants to save money on auto insurance, and if that is the name of your game, you will want to get the absolute minimum that your state requires. That does not necessarily mean that you are going to have great insurance, though, because it will most likely just be liability. If your car still has some value to it, this may not be the best for you. If your car is totaled, you will have no way to recover the loss.

If you are already covered under a health insurance plan, it may not be necessary to get additional medical coverage with your auto insurance. If not, this could be crucial. Other additions that you will have to consider include towing, comprehensive coverage, theft, extra liability, car rental and a number of other options your agent will be happy to show you.

Making a car insurance comparison is definitely worth your time. It will help you find the least expensive way to keep up with your state laws, and at the same time find the least costly way to cover damage to your own vehicle, medical expenses, find the right deductible and even add some extras to your policy for very little extra on the premium.