There is no doubt that by virtue of design and function, insurance is a great value added service to life. This is because it provides security to individual life and their valuable belongings. But the present economic difficulty had made it to look otherwise. An average citizen of this our great country would rather take it to be liability. These make them rather to find it difficult to see its importance and value to life.
Whether you admitted it or not the value of insurance in our life cannot be ruled out. It provides security to very large extent on our life and belonging. The simplified way of shopping for free insurance quotes online with the different kinds of discount available should able to reduce the money aspect.
A major type of insurance quote that its value cannot be contemned is the heath insurance. This is because it provides the desired coverage for the individuals in case there is accident or even sickness. This insurance policy even assists to meet up with medical fee for the affected person and most of the time you end up saving a lot of money.
Never you run the risk of taking a health insurance because it is low but consider the worth of the coverage. The way out is to always to compare several insurance quotes and choose the best. This will enable you to know the best policy for your peculiar situation.
Apart from health insurance another one that cannot be overlooked is the car insurance. Many insurance companies normally provide the free insurance quotes for their prospective customer. Though it would rather be considered that car insurance quote should be added to the purchase of the car, though this may not give you the best offer.
Of you can shop for car insurance quotes from several insurance firm should stand the chance of getting a reduce car insurance rate. Just make you sure that you answer all the questions asked correctly and be honest with them. Ask for the discounts that are due to your situation and compare the quotes of several insurance companies, you will definitely end up getting the deal that will gladden your heart because that car insurance quote will be very cheap
Wednesday, September 29, 2010
Tuesday, September 28, 2010
Car Insurance Tips By John H Cooper
My car insurance is up for renewal soon so I've decided to write the following article to inform you of great tips and advice when it comes to purchasing car insurance online or by phone. I hope the following article is informative and enjoyable.
When looking for car insurance I would strongly recommend using a comparison site. This is because you'll get a good idea of the market and who's offering the best deal. Don't automatically go for the cheapest though. Look into the policy as it may be cheap because it's missed something that's normally standard. I would also take time looking into the performance, age and reliability of the company. There is nothing worse than having insurance with an unreliable company or a new one which doesn't know what they are doing.
Don't forget that not every company is on a comparison site but these people are often more expensive and stay away from comparison sites for this reason. Contact insurance companies you currently use. If you have home insurance with someone you may find they'll offer you a huge discount for having car insurance with them too.
Joint policies are meant to be cheaper for the household but this isn't always the case so if you want to insure two care look into separate car insurance first so you get an idea of what you should be paying. Don't forget to be honest with your quote as your policy may be increase if you're information has been inaccurate My car insurance is up for renewal soon so I've decided to write the following article to inform you of great tips and advice when it comes to purchasing car insurance online or by phone. I hope the following article is informative and enjoyable.
When looking for insurance I would strongly recommend using a comparison site. This is because you'll get a good idea of the market and who's offering the best deal. Don't automatically go for the cheapest though. Look into the policy as it may be cheap because it's missed something that's normally standard. I would also take time looking into the performance, age and reliability of the company. There is nothing worse than having insurance with an unreliable company or a new one which doesn't know what they are doing.
Don't forget that not every company is on a comparison site but these people are often more expensive and stay away from comparison sites for this reason. Contact insurance companies you currently use. If you have home insurance with someone you may find they'll offer you a huge discount for having car insurance with them too.
Joint policies are meant to be cheaper for the household but this isn't always the case so if you want to insure two care look into separate car insurance first so you get an idea of what you should be paying. Don't forget to be honest with your quote as your policy may be increase if you're information has been inaccurate
When looking for car insurance I would strongly recommend using a comparison site. This is because you'll get a good idea of the market and who's offering the best deal. Don't automatically go for the cheapest though. Look into the policy as it may be cheap because it's missed something that's normally standard. I would also take time looking into the performance, age and reliability of the company. There is nothing worse than having insurance with an unreliable company or a new one which doesn't know what they are doing.
Don't forget that not every company is on a comparison site but these people are often more expensive and stay away from comparison sites for this reason. Contact insurance companies you currently use. If you have home insurance with someone you may find they'll offer you a huge discount for having car insurance with them too.
Joint policies are meant to be cheaper for the household but this isn't always the case so if you want to insure two care look into separate car insurance first so you get an idea of what you should be paying. Don't forget to be honest with your quote as your policy may be increase if you're information has been inaccurate My car insurance is up for renewal soon so I've decided to write the following article to inform you of great tips and advice when it comes to purchasing car insurance online or by phone. I hope the following article is informative and enjoyable.
When looking for insurance I would strongly recommend using a comparison site. This is because you'll get a good idea of the market and who's offering the best deal. Don't automatically go for the cheapest though. Look into the policy as it may be cheap because it's missed something that's normally standard. I would also take time looking into the performance, age and reliability of the company. There is nothing worse than having insurance with an unreliable company or a new one which doesn't know what they are doing.
Don't forget that not every company is on a comparison site but these people are often more expensive and stay away from comparison sites for this reason. Contact insurance companies you currently use. If you have home insurance with someone you may find they'll offer you a huge discount for having car insurance with them too.
Joint policies are meant to be cheaper for the household but this isn't always the case so if you want to insure two care look into separate car insurance first so you get an idea of what you should be paying. Don't forget to be honest with your quote as your policy may be increase if you're information has been inaccurate
Saturday, September 25, 2010
Progressive Car Insurance Company Review - Progressive Direct Auto Insurance Guide By James J. Robinson
If you're in the market for new auto insurance, Progressive car insurance company may be a great option for you. After being in the business of auto insurance for 70 years, Progressive has become the nation's third largest provider to millions of customers.
With six major countrywide locations in Austin, Cleveland, Colorado Springs, Phoenix, Sacramento, and Tampa, Progressive is fully staffed with representatives ready to help you find the best coverage possible.
So what exactly can Progressive do for you? Progressive auto insurance company gives you options. Not only do they quote you their rate, but they also give you quotes on up to three other provider's rates. Being able to get information such as this right of the bat makes Progressive quite attractive. If you're the type of customer who thrives on options, then Progressive may be a viable place for you to begin your auto insurance search.
But, that's not all they offer. Let's take a look at what else you get when purchasing car insurance from Progressive:
Total Loss Concierge
Just found out your car was totaled? Don't have the time to shop for a new vehicle? No worries. Progressive car insurance company will do it for you. All you need to do is tell them what you're looking for and what you can afford. Progressive will do the legwork for you by calling dealers and lenders, getting results fast. Really, it's as simple as that.
Accident Forgiveness
When you have car insurance from Progressive for four years and remain accident-free for three consecutive years, your rates won't go up after an accident. The nice thing about this is that accident forgiveness is built right into your policy as a reward for being a safe driver. No extra charge and no hidden fees. It's just their way of saying thank you for being a valued customer.
Immediate Response Vehicles
More commonly known as IRVs, these vehicles will travel to wherever your car is to assess the damage. The minute you call in to report your claim, an IRV will be on its way to take pictures, talk to witness and make an on-site estimate so you don't have to wait. It's efficient, it's friendly and it's only from Progressive.
Auto Insurance Discounts
There aren't many consumers that dislike receiving discounts. In all honesty, who doesn't love to save some money when they can? With Progressive car insurance company, you can get those sweet little discounts for a number of reasons. Things like E-signing, paying in full, covering multiple cars and owning a home are just some of the ways you can save on your auto insurance instantly. Keep in mind that certain discounts vary depending on where you live. In other words, not every state offers the same types of discounts. Therefore, talking with a representative will help you learn what you qualify for.
So, you get discounts on your auto insurance. Now what? Well, it doesn't stop there. Progressive offers more than just discounts off your car insurance. The type of vehicle you have covered (i.e. motorcycle, boat, etc), will determine what discounts you are eligible for.
For you motorcycle drivers out there, Progressive offers discounts for Honda Rider's Club of America (HRCA) members, homeowners and customers covering multiple bikes.
Want to float your boat without spending too much? Having a boat less than ten years old, less than 27 feet and less than 250 horsepower will allow you to save.
If you have a mini-motor or pop-up RV you can catch a break too. What about owners of large RVs? Well, if you're married, that's enough to get a discount as well.
The list goes on...
Multi-Coverage
Progressive offers you more than just car insurance. Working with Progressive car insurance company allows you to get coverage for motorcycles, RVs, boats, snowmobiles, homes (whether you own or rent) and pets. Yes, it's true--your valued family pets can now be covered for accident injury if they ride in the car with you.
Compare Progressive Auto Insurance Quotes
The bottom line is that ratings have shown favor on Progressive car insurance company. With its quick and friendly service, discount programs and multi-coverage, customers have been more than pleased. Granted, there may be another insurance company better suited for you. However, Progressive's consistent record of integrity and dedication to its customers, makes them worth looking into
With six major countrywide locations in Austin, Cleveland, Colorado Springs, Phoenix, Sacramento, and Tampa, Progressive is fully staffed with representatives ready to help you find the best coverage possible.
So what exactly can Progressive do for you? Progressive auto insurance company gives you options. Not only do they quote you their rate, but they also give you quotes on up to three other provider's rates. Being able to get information such as this right of the bat makes Progressive quite attractive. If you're the type of customer who thrives on options, then Progressive may be a viable place for you to begin your auto insurance search.
But, that's not all they offer. Let's take a look at what else you get when purchasing car insurance from Progressive:
Total Loss Concierge
Just found out your car was totaled? Don't have the time to shop for a new vehicle? No worries. Progressive car insurance company will do it for you. All you need to do is tell them what you're looking for and what you can afford. Progressive will do the legwork for you by calling dealers and lenders, getting results fast. Really, it's as simple as that.
Accident Forgiveness
When you have car insurance from Progressive for four years and remain accident-free for three consecutive years, your rates won't go up after an accident. The nice thing about this is that accident forgiveness is built right into your policy as a reward for being a safe driver. No extra charge and no hidden fees. It's just their way of saying thank you for being a valued customer.
Immediate Response Vehicles
More commonly known as IRVs, these vehicles will travel to wherever your car is to assess the damage. The minute you call in to report your claim, an IRV will be on its way to take pictures, talk to witness and make an on-site estimate so you don't have to wait. It's efficient, it's friendly and it's only from Progressive.
Auto Insurance Discounts
There aren't many consumers that dislike receiving discounts. In all honesty, who doesn't love to save some money when they can? With Progressive car insurance company, you can get those sweet little discounts for a number of reasons. Things like E-signing, paying in full, covering multiple cars and owning a home are just some of the ways you can save on your auto insurance instantly. Keep in mind that certain discounts vary depending on where you live. In other words, not every state offers the same types of discounts. Therefore, talking with a representative will help you learn what you qualify for.
So, you get discounts on your auto insurance. Now what? Well, it doesn't stop there. Progressive offers more than just discounts off your car insurance. The type of vehicle you have covered (i.e. motorcycle, boat, etc), will determine what discounts you are eligible for.
For you motorcycle drivers out there, Progressive offers discounts for Honda Rider's Club of America (HRCA) members, homeowners and customers covering multiple bikes.
Want to float your boat without spending too much? Having a boat less than ten years old, less than 27 feet and less than 250 horsepower will allow you to save.
If you have a mini-motor or pop-up RV you can catch a break too. What about owners of large RVs? Well, if you're married, that's enough to get a discount as well.
The list goes on...
Multi-Coverage
Progressive offers you more than just car insurance. Working with Progressive car insurance company allows you to get coverage for motorcycles, RVs, boats, snowmobiles, homes (whether you own or rent) and pets. Yes, it's true--your valued family pets can now be covered for accident injury if they ride in the car with you.
Compare Progressive Auto Insurance Quotes
The bottom line is that ratings have shown favor on Progressive car insurance company. With its quick and friendly service, discount programs and multi-coverage, customers have been more than pleased. Granted, there may be another insurance company better suited for you. However, Progressive's consistent record of integrity and dedication to its customers, makes them worth looking into
Monday, September 13, 2010
Progressive Car Insurance Company Review - Progressive Direct Auto Insurance Guide By James J. Robinson
If you're in the market for new auto insurance, Progressive car insurance company may be a great option for you. After being in the business of auto insurance for 70 years, Progressive has become the nation's third largest provider to millions of customers.
With six major countrywide locations in Austin, Cleveland, Colorado Springs, Phoenix, Sacramento, and Tampa, Progressive is fully staffed with representatives ready to help you find the best coverage possible.
So what exactly can Progressive do for you? Progressive auto insurance company gives you options. Not only do they quote you their rate, but they also give you quotes on up to three other provider's rates. Being able to get information such as this right of the bat makes Progressive quite attractive. If you're the type of customer who thrives on options, then Progressive may be a viable place for you to begin your auto insurance search.
But, that's not all they offer. Let's take a look at what else you get when purchasing car insurance from Progressive:
Total Loss Concierge
Just found out your car was totaled? Don't have the time to shop for a new vehicle? No worries. Progressive car insurance company will do it for you. All you need to do is tell them what you're looking for and what you can afford. Progressive will do the legwork for you by calling dealers and lenders, getting results fast. Really, it's as simple as that.
Accident Forgiveness
When you have car insurance from Progressive for four years and remain accident-free for three consecutive years, your rates won't go up after an accident. The nice thing about this is that accident forgiveness is built right into your policy as a reward for being a safe driver. No extra charge and no hidden fees. It's just their way of saying thank you for being a valued customer.
Immediate Response Vehicles
More commonly known as IRVs, these vehicles will travel to wherever your car is to assess the damage. The minute you call in to report your claim, an IRV will be on its way to take pictures, talk to witness and make an on-site estimate so you don't have to wait. It's efficient, it's friendly and it's only from Progressive.
Auto Insurance Discounts
There aren't many consumers that dislike receiving discounts. In all honesty, who doesn't love to save some money when they can? With Progressive car insurance company, you can get those sweet little discounts for a number of reasons. Things like E-signing, paying in full, covering multiple cars and owning a home are just some of the ways you can save on your auto insurance instantly. Keep in mind that certain discounts vary depending on where you live. In other words, not every state offers the same types of discounts. Therefore, talking with a representative will help you learn what you qualify for.
So, you get discounts on your auto insurance. Now what? Well, it doesn't stop there. Progressive offers more than just discounts off your car insurance. The type of vehicle you have covered (i.e. motorcycle, boat, etc), will determine what discounts you are eligible for.
For you motorcycle drivers out there, Progressive offers discounts for Honda Rider's Club of America (HRCA) members, homeowners and customers covering multiple bikes.
Want to float your boat without spending too much? Having a boat less than ten years old, less than 27 feet and less than 250 horsepower will allow you to save.
If you have a mini-motor or pop-up RV you can catch a break too. What about owners of large RVs? Well, if you're married, that's enough to get a discount as well.
The list goes on...
Multi-Coverage
Progressive offers you more than just car insurance. Working with Progressive car insurance company allows you to get coverage for motorcycles, RVs, boats, snowmobiles, homes (whether you own or rent) and pets. Yes, it's true--your valued family pets can now be covered for accident injury if they ride in the car with you.
Compare Progressive Auto Insurance Quotes
The bottom line is that ratings have shown favor on Progressive car insurance company. With its quick and friendly service, discount programs and multi-coverage, customers have been more than pleased. Granted, there may be another insurance company better suited for you. However, Progressive's consistent record of integrity and dedication to its customers, makes them worth looking into.
Be sure and compare quotes from multiple auto insurance companies before making a decision to purchase.
With six major countrywide locations in Austin, Cleveland, Colorado Springs, Phoenix, Sacramento, and Tampa, Progressive is fully staffed with representatives ready to help you find the best coverage possible.
So what exactly can Progressive do for you? Progressive auto insurance company gives you options. Not only do they quote you their rate, but they also give you quotes on up to three other provider's rates. Being able to get information such as this right of the bat makes Progressive quite attractive. If you're the type of customer who thrives on options, then Progressive may be a viable place for you to begin your auto insurance search.
But, that's not all they offer. Let's take a look at what else you get when purchasing car insurance from Progressive:
Total Loss Concierge
Just found out your car was totaled? Don't have the time to shop for a new vehicle? No worries. Progressive car insurance company will do it for you. All you need to do is tell them what you're looking for and what you can afford. Progressive will do the legwork for you by calling dealers and lenders, getting results fast. Really, it's as simple as that.
Accident Forgiveness
When you have car insurance from Progressive for four years and remain accident-free for three consecutive years, your rates won't go up after an accident. The nice thing about this is that accident forgiveness is built right into your policy as a reward for being a safe driver. No extra charge and no hidden fees. It's just their way of saying thank you for being a valued customer.
Immediate Response Vehicles
More commonly known as IRVs, these vehicles will travel to wherever your car is to assess the damage. The minute you call in to report your claim, an IRV will be on its way to take pictures, talk to witness and make an on-site estimate so you don't have to wait. It's efficient, it's friendly and it's only from Progressive.
Auto Insurance Discounts
There aren't many consumers that dislike receiving discounts. In all honesty, who doesn't love to save some money when they can? With Progressive car insurance company, you can get those sweet little discounts for a number of reasons. Things like E-signing, paying in full, covering multiple cars and owning a home are just some of the ways you can save on your auto insurance instantly. Keep in mind that certain discounts vary depending on where you live. In other words, not every state offers the same types of discounts. Therefore, talking with a representative will help you learn what you qualify for.
So, you get discounts on your auto insurance. Now what? Well, it doesn't stop there. Progressive offers more than just discounts off your car insurance. The type of vehicle you have covered (i.e. motorcycle, boat, etc), will determine what discounts you are eligible for.
For you motorcycle drivers out there, Progressive offers discounts for Honda Rider's Club of America (HRCA) members, homeowners and customers covering multiple bikes.
Want to float your boat without spending too much? Having a boat less than ten years old, less than 27 feet and less than 250 horsepower will allow you to save.
If you have a mini-motor or pop-up RV you can catch a break too. What about owners of large RVs? Well, if you're married, that's enough to get a discount as well.
The list goes on...
Multi-Coverage
Progressive offers you more than just car insurance. Working with Progressive car insurance company allows you to get coverage for motorcycles, RVs, boats, snowmobiles, homes (whether you own or rent) and pets. Yes, it's true--your valued family pets can now be covered for accident injury if they ride in the car with you.
Compare Progressive Auto Insurance Quotes
The bottom line is that ratings have shown favor on Progressive car insurance company. With its quick and friendly service, discount programs and multi-coverage, customers have been more than pleased. Granted, there may be another insurance company better suited for you. However, Progressive's consistent record of integrity and dedication to its customers, makes them worth looking into.
Be sure and compare quotes from multiple auto insurance companies before making a decision to purchase.
Saturday, September 11, 2010
Auto Insurance For Less - Progressive Direct Or Progressive Independent Agent By Clifford J Schimek
Progressive insurance company distributes auto insurance policies directly to the consumer, by telephone or internet, and also through independent auto insurance agents. The price, or premiums, for auto insurance policies are different depending on the distribution method. Progressive examines the claims paid out and the administrative expenses incurred for each distribution method independently and adjust premiums accordingly.
One of the expense factors used to determine premium when purchasing through an independent agent is commission. Many consumers make the mistake that purchasing through an independent agent is automatically more money due to commissions paid to the agent. Progressive incurs all types of expenses when selling policies directly that they do not incur when an independent agent is used. Some of these expenses are personnel (agents and supervisors), equipment (phones and computers), and marketing (television commercials).
All of the great service and excellent claims procedures from Progressive are provided to the policyholder, regardless of how the auto insurance policy was purchased. The only advantage of obtaining a policy directly from Progressive over an independent agent is if the price is lower. Sometimes the price is lower and sometimes it is not. There are several advantages of purchasing a Progressive policy from an independent insurance agent. Often the price is lower, and the advice of a local professional agent whom you can build a relationship with, and trust advice from, can be very valuable.
Independent insurance agents can quote and provide you with different companies, at time of renewal and significant policy changes, ensuring you continue receiving the lowest price available. When investigating Progressive as a possible choice for your car insurance, get a quote directly from the company and one from an independent agent. This way you know the lowest price available from the company for your auto insurance policy. When evaluating your choice, consider the additional service independent insurance agents provide.
One of the expense factors used to determine premium when purchasing through an independent agent is commission. Many consumers make the mistake that purchasing through an independent agent is automatically more money due to commissions paid to the agent. Progressive incurs all types of expenses when selling policies directly that they do not incur when an independent agent is used. Some of these expenses are personnel (agents and supervisors), equipment (phones and computers), and marketing (television commercials).
All of the great service and excellent claims procedures from Progressive are provided to the policyholder, regardless of how the auto insurance policy was purchased. The only advantage of obtaining a policy directly from Progressive over an independent agent is if the price is lower. Sometimes the price is lower and sometimes it is not. There are several advantages of purchasing a Progressive policy from an independent insurance agent. Often the price is lower, and the advice of a local professional agent whom you can build a relationship with, and trust advice from, can be very valuable.
Independent insurance agents can quote and provide you with different companies, at time of renewal and significant policy changes, ensuring you continue receiving the lowest price available. When investigating Progressive as a possible choice for your car insurance, get a quote directly from the company and one from an independent agent. This way you know the lowest price available from the company for your auto insurance policy. When evaluating your choice, consider the additional service independent insurance agents provide.
Top 10 Misunderstood Things About Car Insurance By Bryan Waldo
After spending many years in the insurance industry we have come up with a top 10 list of most misunderstood things about car insurance. These car insurance myths are some of the most common questions that most people have about direct car insurance either buying or reviewing their auto insurance coverage. Its better to find out now before you have a claim and it's too late.
• I just got my 1st speeding ticket my insurance rates are going to go way up.
Reality: If this is your first ticket your rates probably won't even change. Most direct car insurance providers will give you a pass if you don't have any other tickets or claims in the past 3 to 5 years depending on the company.
• That new Plasma TV I bought last year won't affect my Car Insurance
Reality: If you didn't pay the credit card you charged it on then it just might. Almost all insurance companies now use some form of credit scoring when determining not only if you will qualify for insurance, but also what you will pay. There can easily be 50% difference in rates for a person with excellent credit to someone with poor credit.
• I just slammed my car door into my lawnmower parked in my garage, my homeowners policy will cover it
Reality: Your homeowner's coverage has nothing to do with covering your car. The only way your car will be covered is if you have Comprehensive (Comp) coverage for your car. And then only after you pay you deductible.
• I just cracked up my friends car and I tell him don't worry my insurance will cover it
Reality: It will but only after your friends policy pays first. So let's say your friend has a $500 collision deductible and you have a $250 deductible. You would have to give your friend the $500 for his deductible as his insurance company is Primary. Meaning your insurance will only pay after his policy limits are exhausted. So just remember in this scenario your deductible does not matter its going to be based on your friends.
• If you're riding your bicycle and get hit by a car your car insurance won't get involved
Reality: If you get hurt or killed while riding your bike or even walking down the street you maybe surprised to learn that you may be covered by your direct car insurance policy. If the person driving the car didn't have any insurance or not enough insurance to cover your injuries, your Uninsured or Underinsured coverage would pay for your claim.
• Someone just broke into my car and stole all of my personal belongings out of it i.e. Cd's, Cell phone, Christmas Presents, my car insurance will pay for it.
Reality: Your car insurance does not cover your personal belongings left inside the car. You are going to have to file a claim with your Homeowners or Renters insurance policy to be compensated for these items. The general rule of thumb is your car insurance will only pay for items that are attached to the vehicle
• I am going to be charged more for my Car Insurance because my car is red, blue, black, pink...
Reality: The color of your car has absolutely nothing to do with your rates. If you like red buy a red car, if you like black buy a black car. Don't ever let this silly nonsense stop you from buying a car.
• I didn't have a car for the last 2 years, this won't affect my rates.
Reality: Not having continuous car insurance is frowned upon by most direct car insurance companies now a day's. Some companies won't penalize you for not having prior insurance. If you don't have prior insurance make sure you have a good excuse like you took the bus, or you were in the military, or some other legitimate reason. Oh and by the way I couldn't afford my insurance is not on that list
• Telling a little white lie on my insurance application won't affect my coverage if I ever have a claim
Reality: This is one of the worst things a person can do. If you lie on your insurance application there is a good chance you won't have any coverage when you need it the most. You think they won't find out? Remember these 2 things when insurance company is on the hook for a ton of money. #1 They are going to start asking questions and the first thing they look at is your application. Wouldn't you if you were them? And reason #2, the insurance companies have more money than god and they have people working full time to find this stuff out.
• Buying a cheaper more reasonable car will be less to insure the a more expensive car.
Reality: There are a lot of different factors insurance companies use to determine rates, however there are many times were the rate for the more expensive car is less than the cheaper car. One of the biggest factors for the Comp & Collision coverage's are how much do replacement parts cost. Sometimes on those cheaper cars or the more exotic cars the replacement parts can cost a lot to replace.
So just remember the next time your online looking for a cheaper insurance policy, to consider some of your options. There are hundred's of direct auto insurance companies out there looking to get in your pocket, just make sure when the time comes you can get into theirs.
• I just got my 1st speeding ticket my insurance rates are going to go way up.
Reality: If this is your first ticket your rates probably won't even change. Most direct car insurance providers will give you a pass if you don't have any other tickets or claims in the past 3 to 5 years depending on the company.
• That new Plasma TV I bought last year won't affect my Car Insurance
Reality: If you didn't pay the credit card you charged it on then it just might. Almost all insurance companies now use some form of credit scoring when determining not only if you will qualify for insurance, but also what you will pay. There can easily be 50% difference in rates for a person with excellent credit to someone with poor credit.
• I just slammed my car door into my lawnmower parked in my garage, my homeowners policy will cover it
Reality: Your homeowner's coverage has nothing to do with covering your car. The only way your car will be covered is if you have Comprehensive (Comp) coverage for your car. And then only after you pay you deductible.
• I just cracked up my friends car and I tell him don't worry my insurance will cover it
Reality: It will but only after your friends policy pays first. So let's say your friend has a $500 collision deductible and you have a $250 deductible. You would have to give your friend the $500 for his deductible as his insurance company is Primary. Meaning your insurance will only pay after his policy limits are exhausted. So just remember in this scenario your deductible does not matter its going to be based on your friends.
• If you're riding your bicycle and get hit by a car your car insurance won't get involved
Reality: If you get hurt or killed while riding your bike or even walking down the street you maybe surprised to learn that you may be covered by your direct car insurance policy. If the person driving the car didn't have any insurance or not enough insurance to cover your injuries, your Uninsured or Underinsured coverage would pay for your claim.
• Someone just broke into my car and stole all of my personal belongings out of it i.e. Cd's, Cell phone, Christmas Presents, my car insurance will pay for it.
Reality: Your car insurance does not cover your personal belongings left inside the car. You are going to have to file a claim with your Homeowners or Renters insurance policy to be compensated for these items. The general rule of thumb is your car insurance will only pay for items that are attached to the vehicle
• I am going to be charged more for my Car Insurance because my car is red, blue, black, pink...
Reality: The color of your car has absolutely nothing to do with your rates. If you like red buy a red car, if you like black buy a black car. Don't ever let this silly nonsense stop you from buying a car.
• I didn't have a car for the last 2 years, this won't affect my rates.
Reality: Not having continuous car insurance is frowned upon by most direct car insurance companies now a day's. Some companies won't penalize you for not having prior insurance. If you don't have prior insurance make sure you have a good excuse like you took the bus, or you were in the military, or some other legitimate reason. Oh and by the way I couldn't afford my insurance is not on that list
• Telling a little white lie on my insurance application won't affect my coverage if I ever have a claim
Reality: This is one of the worst things a person can do. If you lie on your insurance application there is a good chance you won't have any coverage when you need it the most. You think they won't find out? Remember these 2 things when insurance company is on the hook for a ton of money. #1 They are going to start asking questions and the first thing they look at is your application. Wouldn't you if you were them? And reason #2, the insurance companies have more money than god and they have people working full time to find this stuff out.
• Buying a cheaper more reasonable car will be less to insure the a more expensive car.
Reality: There are a lot of different factors insurance companies use to determine rates, however there are many times were the rate for the more expensive car is less than the cheaper car. One of the biggest factors for the Comp & Collision coverage's are how much do replacement parts cost. Sometimes on those cheaper cars or the more exotic cars the replacement parts can cost a lot to replace.
So just remember the next time your online looking for a cheaper insurance policy, to consider some of your options. There are hundred's of direct auto insurance companies out there looking to get in your pocket, just make sure when the time comes you can get into theirs.
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