Many people call around for auto insurance quotes looking for cheaper prices. It is not disputable that price is the number one reason why people shop around for a different insurance company. While cost is very essential to everyone there are other factors to think like the quality of company giving you cheap quotes, if they are there when you need them most, how long it takes to settle a claim, and more. Here are the top 5 questions you should ask auto insurance agents as you shop to compare their rates with other companies.
1 – Are There Extra Charges For Splitting The Premium Into Payments?
This is very important because while some companies charge a few dollars, others charge $15 dollars a payment or even apply interest charges to payments as high as 22-25%. While many companies may quote you a substantial rate, their payment penalties in a lot of cases will gain them more expensive in the long run.
2 – Is Your Company Rated Highly Financially Secure?
There are outside unbiased companies that rate auto insurance carriers on their customer service and financial stability. For financial stability A.M. Best rates most or all auto insurance companies. Their top rating, AAA, means they will be very financially secure so that company will have no problem paying your claim quickly. If the company is rated lower, like A, they may not have the financial backing to quickly fix your car or cover catastrophic losses.
3 – What is Covered By Your ERS, Or Towing, Service?
Not all emergency roadside services are created equal. Many companies include ERS for free or low cost when you purchase comprehensive and collision coverages (full coverage) for your vehicle. While it seems like a gigantic deal to get the coverage for free, that coverage may only pay to tow your car 7 miles or less and it may not cloak you if you go out of state. The best ERS covers you as far as it takes to get to a repair facility. If you have the tow coverage and your car breaks down, you should be able to use your ERS to get to the closest garage as to get it fixed. Anything less could wind up costing you a lot of money in excess tow miles so compare the services companies offer and make sure the insurance package you determine has this included.
4 – What hours are you start?
Many insurance companies are open from 9-5, Monday-Friday. What if you need help at night or on weekends? With many companies and independent agents you need to wait for them to get into the office. Picking a company that is opened 24/7 will ensure that benefit is a phone call away if you have an accident, emergency, or need your questions answered during off hours due to your own busy work schedule. When you are shopping to compare auto insurance rates this is very important and is worth spending a couple extra dollars for a policy that offers around the clock service.
5 – How Long Will It Take to Settle A Claim?
Some companies will dawdle and make you wait weeks, sometimes months before paying the claim to get your car fixed. This goes in line with financial stability. It seems like the more financially rep a company is the quicker your car is repaired. None the less, this is a substantial question to ask when you are shopping to compare auto insurance rates because some companies put a lot of inconvenience into great claims service while others are overjoyed to take your insurance payments and leave you with bad claims service.
While there are more questions you may have of your prospective auto insurance company do not forget to ask these 5 when you are shopping around. As you compare their rates, remember, the cheapest company is not necessarily the best insurance company. You get what you pay for so shop for great pricing and a great company.
Filed under Auto Insurance Quotes by on Feb 26th, 2011. Comment. 
These days, it seems as though there are just two types of people in the world- those who will take online and those who still prefer to hand their cash to a real, live person. There are two perspectives of this, the determination of whether to purchase auto insurance online or win it in person. One of these is just how much you really trust your computer, and the other is how much human interaction you really need to engage an auto insurance policy.
The security issue of doing business online is still a tricky one; a dilemma which in all honesty is one which has not yet been fully resolved. If this is your reasoning for not wanting to commit yourself to purchasing auto insurance online, withhold one thing in mind: even if you go to visit your pleasant local insurance agent to capture your auto insurance, they’re going to have to send your personal info (including your credit card number) into the limbo that is the internet from there, too. The question then becomes: how much upselling are you willing to put up with for that peace of mind?
Laying aside the threat of identity theft, purchasing auto insurance over the internet is a quick, safe, and painless process that can take less time than it takes to finish your morning cup of coffee. You’ll receive a no obligation quote (so long as you are dealing with a reputable company) and should you choose to lift, you’ll often be able to print out your insurance card, or at least a temporary one, immediately. The other benefit to buying auto insurance online is that you can quickly check quotes from as many different insurers as you want, making comparison shopping equally painless. So, to review the positives for buying car insurance online:
1. It’s a quick, easy painless process
2. You can often print a temporary insurance card immediately
3. You can compare multiple quotes from several sources quickly
And the negatives:
1. Potential for identity theft
Purchasing from a flesh-and-blood insurance agent also has its benefits, however. You can always do your comparison shopping online and then go to an agent if you feel at all confused about your coverage. The internet, while uniquely pleasant to providing information, falls woefully short of acceptable in appropriate information. Skeptical? Try typing “auto insurance” into your search bar. If you’ve hit upon this article, than you’ve done well. There are so many insurance companies out there that rifling through them for information of a non-biased sort is going to be practically impossible to find. This is where an agent can step in and sure the air, so to speak.
Your auto insurance agent is uniquely first-rate to provide the right information at the right time. If you have questions concerning coverage, an agent is the one to ask. If you have questions about discounts, an agent is the one to ask. Be willing to spend some time with them to really understand what coverage you’re getting and under what circumstances you’ll be covered, and what circumstances you won’t. Be aware, though, that first and foremost, your insurance agent is a salesperson, and that it is their job to sell you the farm. Be aware of what you don’t need, and don’t let them talk you into something you don’t understand.
Both methods have their positives, buying car insurance online and in person, and by and large, it comes down to which method you’re most comfortable with. If you’re comfortable with the internet, by all means, consume it. If you have your doubts, however, and smooth prefer that handshake before you leave the office, then there’s someone there to take care of you, too.
Filed under Auto Insurance Quotes by on Feb 24th, 2011. Comment.
Have you ever wondered how insurance rates for automobile insurance are calculated? There are several factors involved, one of the most important being the ISO Symbol given to your particular make of vehicle by the ISO. The Insurance Services Office, Inc. (ISO), established in 1971, is a leading resource for insurance carriers looking for information about risk. The ISO analyzes data and statistics about vehicles to provide insurance carriers with rating information about a vehicle’s theft susceptibility, safety features and cost to repair. Insurance carriers obtain this information through ISO symbols for different makes and models of vehicles.
Vehicle Series Rating Program
The purpose of vehicle series rating is to match premiums to loss experiences for different makes and models. A high ISO rating means a more expensive insurance rate. The ISO adjusts these ratings periodically when new loss statistics are analyzed.
Surcharges and Discounts
If your vehicle has a high ISO rating, it can mean a surcharge of up to 25 percent on your auto policy. Discounts of up to 20 percent are offered for vehicles whose low ISO rating means they will fare better in vehicle accidents and cost less to repair.
Factors Considered
ISO considers several factors when determining the rating for a vehicle, including loss experience, vehicle size, body construction, wheelbase and horsepower. Current findings by the ISO have shown SUVs in a more positive light than in earlier years. SUVs have had better loss experience than sedans and some other smaller vehicles. Cars considered “sports cars” are almost always issued a high ISO rating symbol.
Rating Symbols
Two rating symbols are given for each make and model. One rating symbol covers bodily injury and property damage. The other symbol applies to medical payment coverage. The rating symbols correspond with the vehicle identification number (VIN) of the automobile.
Top Safety Picks of 2009
The top safety picks of 2009 were the Acura RL, Ford Taurus, Volvo S80 (large); Acura TL, Honda Accord, Subaru Legacy (midsize); Saab 9-3, Volkswagen Eos, Volvo C70 (midsize convertibles); Honda Civic, Subaru Impreza, Mitsubishi Lancer (small); Honda Odyssey, Hyundai Entourage, Kia Sedona (minivans); Ford F-150, Honda Ridgeline, Toyota Tundra (large pickups); Toyota Tacoma (itsy-bitsy pickup); Audi Q7, Chevrolet Traverse, Saturn Outlook (large SUVs); Acura MDX, Honda Pilot, Subaru Tribeca (midsize SUVs); Ford Escape, Mercury Mariner, Volkswagen Tiguan (small SUVs).
Source:
http://www.iso.com/
Filed under Auto Insurance Quotes by on Feb 19th, 2011. Comment.
Ephesians 2:8-10 was plugged by Tim Tebow via his eye black during the Allstate Sugar Bowl Friday night, according to the Huffington Post. Ephesians 2:8-10 was part of the eye black of Florida Gators quarterback Tim Tebow as he led his squad to a 51-24 rout of Cincinnati in the Allstate Sugar Bowl. Tim Tebow openly plugging Ephesians 2:8-10 while playing in the Allstate Sugar Bowl proclaims his faith in Christ to the world. The question is whether playing in such violent contact sports like tackle football goes against the spirit of Christianity because of its violent nature.
Ephesians 2:8-10 Made Up Tim Tebow Witness Black: Does Jesus Want His Children Playing Violent Sports Like Football or Boxing?
Ephesians 2:8-10 says, according to BibleGateway.com, “For it is by grace you have been saved, through faith and this not from yourselves, it is the gift of God not by works, so that no one can boast. For we are God’s workmanship, created in Christ Jesus to do good works, which God prepared in come for us to do (NIV).”
No matter what one does in life, there is the potential of getting hurt. We are all mortal human beings, meaning that we are going to die sometime. As we get older, our bodies do wear out. Virtually all of us have eaten food or drank refreshments that aren’t really qualified for us to varying degrees. Virtually all of us who’ve driven have surpassed the speed limit at one time or another. Living perfectly according to biblical principles is not easy.
Yet Tim Tebow participating in such contact sports like tackle football increases the potential of getting hurt more often and more seriously. The bible also says in I Corinthians 6:19, according to BibleGateway.com, “Do you not know that your body is a temple of the Holy Spirit, who is in you, whom you have received from God? You are not your own (NIV).” I’ve heard preachers “pound” this verse from the pulpit when discussing taking care of our bodies.
Ephesians 2:8-10 Made Up Tim Tebow Eye Black: Do Christian Athletes Ponder the Dangers?
Knowing that your odds of getting injured seriously increase by playing in such rough sports, how many athletes who profess being Christians consider this aspect? After all, if an offensive player with the ball gets hit by a defensive player who is a Christian, is that tackle and/or hit going to be any less impacting? Would Jesus want his converts like Tim Tebow being the targets of blitzing linebackers who have one goal on their minds when it comes to quarterbacks? Is that punch thrown by a Christian boxer going to sting less or cause less potential brain damage than a punch thrown by an atheist?
Balancing faith and doing our daily business in this world is a hard job. I won’t judge the heart of Tim Tebow or chastise him for wearing Ephesians 2:8-10 for his watch dark during the Allstate Sugar Bowl. But when you profess your faith openly, it raises questions about what one does choose to do in this world as a personal witness because of all the do’s and don’ts of scriptures.
Sources:
Ephesians 2 8-10: Tim Tebow’s Eye Shaded Bible Passage (PHOTO):
http://www.huffingtonpost.com/2010/01/01/ephesians-2-8-10-tim-tebo_n_409193.html, January 1, 2010, The Huffington Post
Passage results: Ephesians 2:8-10 (Current International Version):
http://www.biblegateway.com/passage/? search=Ephesians+2%3A8-10&version=NIV, BibleGateway.com
Passage results: 1 Corinthians 6:19 (Novel International Version): http://www.biblegateway.com/passage/? search=1%20Corinthians+6:19&version=NIV, BibleGateway.com
Filed under Auto Insurance Quotes by on Jan 23rd, 2011. Comment.
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Filed under Auto Insurance Quotes by on Nov 5th, 2010. Comment.
