Wednesday 31 August 2011

Things To Know Before You Buy

It would be nice to know that you can trust any company to conduct its business in such a manner that your needs will always come first. However, in the modern world it is imperative to protect yourself from harm by performing your own investigation. There are questions you should ask before entering into any contractual agreement. The following are details you should know and understand before spending your money. 
 
  • Keeping Up With The Latest Insurance News
The political games never seem to end, and in the process, the damage falls squarely on the shoulders of the voting and non-voting citizens. The lawmakers seldom consider the burdens put on the wage earners who are supposed to pay taxes that fund government programs and pay lawmaker salaries and benefits. There are some recent discussions concerning the impending affects on the people who are both employed, and unemployed.
  • Basics On How Car Insurance Can Work For You
When you are planning to make an automobile purchase, you usually think about the price of the car, and may even remember that there will be sales tax and licensing and registration costs. However, you should also remember that there will be costs for car insurance. When you are looking at the best car for you to purchase, you need to contact your insurance company for quotes on the different cars. This can help you decide which car you will buy.
  • Is It Better To Make A Monthly Car Insurance Premium Payment?
If you own a car, then you must have some type of car insurance. This is required in nearly every state, and is an important way to protect your assets. However, if your insurance premiums are due yearly or even at six month intervals, the cost can be somewhat of a shock to your pocketbook. While this can work for some people, many people prefer to arrange to have their car insurance payments due on a monthly basis.
  • Car Insurance and Budgeting
If you ever want to have enough money for the things that you really need, you know you must put yourself on a budget. This is true for everything from clothes to car insurance. A budget is one of the best ways to see how much money is coming in and how much is going out. Because most people earn money monthly, a monthly budget often works the best for most people.
  • Teenagers And Car Insurance
Helping your child make it through his teenage years is not an easy proposition. You have to work through things that range from car insurance and driving to dating and preparing for college. Many people like the added help that a program such as the Boy Scouts of America can provide for their kids. When a young man works hard enough to receive his Eagle Scout award, a parent knows that he is responsible. In fact, in some areas of the country, getting this scouting award is a prerequisite that many parents place upon their children before they are allowed to drive the family car.
  • Insure Your Classic Car For Less
If you are finally going to purchase that classic car you have always wanted, then you will want to be sure to get the right car insurance coverage on it. Just imagine yourself driving in all the parades and taking it to the local car shows where other classic car enthusiasts will be able to admire it too. Because you probably paid a pretty penny for the car, you want to keep it in the best condition possible. One way to be sure that you can get it repaired if anything happens to it is to have the right kind of car insurance.

Things To Know Before You Buy

It would be nice to know that you can trust any company to conduct its business in such a manner that your needs will always come first. However, in the modern world it is imperative to protect yourself from harm by performing your own investigation. There are questions you should ask before entering into any contractual agreement. The following are details you should know and understand before spending your money.


  • Keeping Up With The Latest Insurance News
The political games never seem to end, and in the process, the damage falls squarely on the shoulders of the voting and non-voting citizens. The lawmakers seldom consider the burdens put on the wage earners who are supposed to pay taxes that fund government programs and pay lawmaker salaries and benefits. There are some recent discussions concerning the impending affects on the people who are both employed, and unemployed.
  • Basics On How Car Insurance Can Work For You
When you are planning to make an automobile purchase, you usually think about the price of the car, and may even remember that there will be sales tax and licensing and registration costs. However, you should also remember that there will be costs for car insurance. When you are looking at the best car for you to purchase, you need to contact your insurance company for quotes on the different cars. This can help you decide which car you will buy.
  • Is It Better To Make A Monthly Car Insurance Premium Payment?
If you own a car, then you must have some type of car insurance. This is required in nearly every state, and is an important way to protect your assets. However, if your insurance premiums are due yearly or even at six month intervals, the cost can be somewhat of a shock to your pocketbook. While this can work for some people, many people prefer to arrange to have their car insurance payments due on a monthly basis.
  • Car Insurance and Budgeting
If you ever want to have enough money for the things that you really need, you know you must put yourself on a budget. This is true for everything from clothes to car insurance. A budget is one of the best ways to see how much money is coming in and how much is going out. Because most people earn money monthly, a monthly budget often works the best for most people.
  • Teenagers And Car Insurance
Helping your child make it through his teenage years is not an easy proposition. You have to work through things that range from car insurance and driving to dating and preparing for college. Many people like the added help that a program such as the Boy Scouts of America can provide for their kids. When a young man works hard enough to receive his Eagle Scout award, a parent knows that he is responsible. In fact, in some areas of the country, getting this scouting award is a prerequisite that many parents place upon their children before they are allowed to drive the family car.
  • Insure Your Classic Car For Less
If you are finally going to purchase that classic car you have always wanted, then you will want to be sure to get the right car insurance coverage on it. Just imagine yourself driving in all the parades and taking it to the local car shows where other classic car enthusiasts will be able to admire it too. Because you probably paid a pretty penny for the car, you want to keep it in the best condition possible. One way to be sure that you can get it repaired if anything happens to it is to have the right kind of car insurance.

Monday 29 August 2011

Cheap Car Insurance Quote Tips

Finding cheap car insurance doesn’t have to be time consuming. The old way of getting cheap auto insurance rates and quotes was to get out your phone book and make several calls. This is no longer necessary as you can just enter your zip code in our tool right now and start comparing cheap online car insurance quotes from many top companies!
With the development of the Internet and quality car insurance websites, you can get a car insurance quote online fast and easy. Some quotes will be instant while others will come to your e-mail within an hour or so. Who wants to drive all around town or spend all day making phone calls in order to find cheap car insurance rates?
Use the free car insurance rate finder above by entering your zip code in above and you can be on your way to finding cheap car insurance quotes online!

Cheap Car Insurance Quote Tip 1: Have Your Information Ready

When sitting down to get some car insurance quotes online, it is important to have your information ready. Having to leave the computer to search for information can slow down your quote receiving time. The most efficient way is to gather all pertinent information and then choose the websites you want to receive quotes from and get started.
Some of the information that car insurance companies will require will be personal. For example: the names of all the drivers in the home, birth dates, and gender. Companies will also want to know your address, phone number, e-mail address, and cell phone number. Some websites will ask for the social security numbers of all drivers in order to run a check of previous violations but this is not required to view quotes.
This leads to the next piece of information you will need to have ready. Insurance companies base quotes on many different aspects including driving history. You will need to know the details of any accident or violation any drivers in the household have had in the past 5 years. For a violation, this includes the type of violation, the date, and in some cases the consequences. For an accident, you will need to state whether or not you were at fault in the accident.
In addition to this, auto insurance companies want to know how long you have consistently carried auto insurance and what carrier you currently use, if any. You will have to know what type of coverage you have including your liability amounts, collision coverage, and deductible. If you do not have insurance, you will have to know what amounts you want to have. If there are special features you want such as road side assistance, you will need to input that information as well.

Cheap Auto Insurance Quote Tip 2: Check Out the Company

Just because a company has a website that offers quotes does not mean it is a legitimate company. You can go to your state’s department of insurance website and input any insurance company. This will tell you if the company is licensed to sell insurance in the state. Choosing a licensed company allows you to go to your state’s department of insurance with a complaint should your insurance contract not be kept by the company.
You can also go to an independent financial rating company to find out the financial score of the company. Some independent sites to try are Standard and Poor’s or A.M. Best Rating Companies. These independent rating companies rate insurance companies based on their ability to meet their financial obligations, their revenue, their trading history in the stock market (if it’s a public company), and any violations against them. The rating will be in the form of a letter such as A+ or C-. Each rating company has a chart that shows viewers what the letters stand for.
Another way to check the viability of a company is through your local or state Better Business Bureau. The BBB is independently run and takes in information about companies that register with them. A quality company typically registers with the BBB so that their reputation can be proven. With the BBB you can inquire as to how many complaints and what type of complaints have been made against the company and how those complaints have been resolved.

Cheap Online Car Insurance Quote Tip 3: Search the Company’s Website

Once you have checked out the reliability of a company, search the company’s website. This will give you information on the history of the company, the vision of the company, and their mission statement. You can see what products they offer, discounts that may be available, and savings you can have by combining policies. A good website will have the most important information on the home page with easy to click on links to other pertinent information.
Another thing to search out on a company’s website is how to file a claim. This is important when you are involved in an accident and need immediate information or financial reimbursement. Any easy to file claim service is one of the most important aspects of an auto insurance company. A good company will give you more than one option to file a claim such as calling, filing online, or going to a local office.
If you want to avoid going to several different sites and spending all day hopping from one website to the next, you can use the free car insurance comparison tool on this page right now to compare rates and quotes from many different top companies! Seeing these results side by side will provide you with the information you need to choose a company that will be able to meet your insurance needs. Get started finding the cheapest car insurance rates online now!

source: http://www.carinsurancecomparison.com/cheap-car-insurance/

Rates by State

United States MapCar insurance rates can vary dramatically from one state to another and even from one city to another – in fact, if you have ever even moved just a few miles away into a new zip code then you have likely found out just how much auto insurance rates can be affected by your geographic location.
Additionally, car insurance is regulated at the state level by each state’s department of insurance so the state required minimum levels of auto insurance coverage can vary quite a bit from one area of the country to another.
Enter your zip code above for a free personalized car insurance comparison or choose your state below to find out the specifics of car insurance in your state!
source : http://www.carinsurancecomparison.com/states/

Car Insurance Comparison Chart

The below car insurance comparison chart shows the top US car insurance companies to compare side by side with easy to compare statistics like the year the company was founded, the company’s AM Best financial strength rating, US market share, as well as a link to a full car insurance company review.
COMPANY
NAME
YEAR FOUNDED AM BEST RATING MARKET SHARE COMPANY
REVIEW
Allstate
1931
A+
11%
American Family
1927
A
2%
Farmers
1928
A
5%
GEICO
1936
A++
7%
Liberty Mutual
1912
A
3%
Nationwide
1925
A+
5%
Progressive
1937
A+
7%
State Farm
1922
A++
18%
Sources: AM Best, NAIC, Progressive, Insurance Information Institute

source: http://www.carinsurancecomparison.com/car-insurance-comparison-chart/

Car Insurance companies list-2


EMC Car InsuranceThe EMC Car Insurance Company focuses most of its efforts on servicing commercial property and casualty customers rather that personal auto and home insurance customers but EMC does offer personal auto insurance.
Encompass Car InsuranceThe Encompass Car Insurance Company offers auto insurance coverage through independent car insurance agents under its Encompass Insurance brand although its parent company is the insurance giant Allstate.
Erie Car InsuranceThe Erie Car Insurance Company was founded in 1925 in the state of Pennsylvania. Erie Insurance offers life insurance, business insurance, and theft insurance in addition to personal auto insurance coverage.
Esurance Car InsuranceThe Esurance Car Insurance Company in an online auto insurer that offers homeowners insurance, renters insurance, health insurance, and motorcycle insurance in addition to its primary line of business; auto insurance.
Farm Bureau Car InsuranceThe Farm Bureau Car Insurance Company was originally founded in the state of Iowa over 90 years ago but is now offering Farm Bureau insurance products across 15 different states.
Famers Car InsuranceThe Farmers Car Insurance Company (Farmers Insurance Group) offers a wide variety of insurance coverage options and is most known for its property & casualty insurance business represented primarily by home insurance and then auto insurance.
Franklin Car InsuranceThe Franklin Car Insurance Company is a subsidiary of the Mercer Country Mutual Fire Insurance Company and offers auto and home insurance coverage primarily in Pennsylvania and New Jersey.
GEICO Car InsuranceThe GEICO Car Insurance Company is a subsidiary of the Berkshire Hathaway Company that is famous for it’s talking gecko commercials and also for being owned by renowned investor Warren Buffett.
GMAC Car InsuranceThe GMAC Car Insurance Company is a well known auto insurance provider and one of the highest volume car insurance companies in the US. GMAC offers many different types of loans in addition to insurance products.
Hagerty Car InsuranceThe Hagerty Car Insurance Company is technically known as Hagerty Insurance Agency as they are a Michigan based agency that caters to customers looking for classic car insurance insurance/antique car insurance.
Hanover Car InsuranceThe Hanover Car Insurance Company (Hanover Insurance Group) was founded in 1852 and has the honor of being the very first Michigan auto insurance company. Hanover offers automobile insurance, home insurance, boat insurance, among others.
Hastings Mutual Car InsuranceThe Hastings Mutual Car Insurance Company was originally begun as a windstorm insurance company and now serves customers in the states of Michigan, Illinois, Indiana, Ohio, and Wisconsin.
Infinity Car InsuranceThe Infinity Car Insurance Company markets to the high risk car insurance market under the names Atlanta Casualty Company, Great American, Infinity Group, Leader Insurance, and Windsor Insurance Company.
Kemper Car InsuranceThe Kemper Car Insurance Company was founded in 1926 and is a subsidiary of the Unitrin Car Insurance Company. Kemper services over 700,000 auto, home, and other policy holders across the United States.
Kentucky Farm Bureau Car InsuranceThe Kentucky Farm Bureau Car Insurance Company offers auto, home, farm, life, boat, business, fire, and health insurance in every county in Kentucky.
Liberty Mutual Car InsuranceThe Liberty Mutual Car Insurance Company is a member of the Fortune 500 and one of the largest personal and commercial auto insurance companies in the United States.
Mercer Insurance Group Car InsuranceThe Mercer Insurance Group Car Insurance Company was founded in 1844 and is headquartered in New Jersey. Mercer maintains a strong foothold in the Northeast.
Mercury Car InsuranceThe Mercury Car Insurance Company was originally founded in California but now offers coverage in 12 different states. Mercury Auto Insurance specializes in the commercial auto insurance niche.
Meritplan Car InsuranceThe Meritplan Car Insurance Company is a subsidiary of the Balboa Car Insurance Company and the largest Bank in the US: Bank of America. Meritplan has excellent ratings by A.M Best.
MetLife Car InsuranceThe MetLife Car Insurance Company is the largest provider of insurance in the US. Offering a wide variety of insurance options including life, disability, and dental insurance MetLife strangely enough does not concentrate on the personal auto insurance market.
National Motor Club Car InsuranceThe National Motor Club Car Insurance Company is designed to be an auto membership club that provides emergency roadside service, trip planning, and discounts.
Nationwide Car InsuranceThe Nationwide Car Insurance Company began in Columbus, Ohio in the year 1925 and has since become on of the most well known car insurance companies in the US.
Newport Car InsuranceThe Newport Car Insurance Company is really an independent insurance agency that offers auto insurance, business insurance, renters insurance, homeowners insurance, and property insurance.
PEMCO Car InsuranceThe PEMCO Car Insurance Company (Public Employees Mutual Casualty Company) was established in 1949 as an arm of the Seattle Teachers Credit Union and offers auto, home, fire, and burglary insurance.
Progressive Car InsuranceThe Progressive Car Insurance Company is an insurance giant that offers car insurance, motorcycle insurance, boat insurance, RV insurance, home insurance, umbrella insurance, and even Segway insurance!
QBE Car InsuranceThe QBE Car Insurance Company began in 1886 and through various mergers and acquisitions came to be names QBE as result of combining the companies Queensland Insurance, Bankers & Traders Insurance, and Equitable Probate & General.
Safeco Car InsuranceThe Safeco Car Insurance Company has over 4,000,000 customers and offers policies for personal auto insurance, commercial auto insurance, workplace insurance, home insurance, renters insurance, umbrella insurance, and more.
Sentry Car InsuranceThe Sentry Car Insurance Company has over $10 billion of assets and over 1 million policies. Sentry offers many different insurance products including auto insurance and corporate protection services.
State Farm Car InsuranceThe State Farm Car Insurance Company was founded in 1922 and today has a staggering 75 million policies across the United States and Canada. State Farm is one of the most well known property and casualty insurers.
The General Car InsuranceThe General Car Insurance Company offers car insurance coverage in 18 states. The General is known for offering coverage to sub standard and hard to insure applicants like those with a history of DUI or other spot on their driving record.
The Hartford Car InsuranceThe Hartford Car Insurance Company might just be one of the oldest auto insurance companies still in existence today with a founding date of 1810. The Hartford is now a Fortune 100 company that offers a wide variety of insurance products.
Travelers Car InsuranceThe Travelers Car Insurance Company sold their very first car insurance policy all the way back in 1897 (it was founded in 1853). Travelers is on the Fortune 100 list and has over $110 billion in assets to its name.
Unitrin Direct Car InsuranceThe Unitrin Direct Car Insurance Company is an online and phone sales focused operation that uses the captive agent/career agent model to sell personal auto insurance policies directly to consumers.
USAA Car InsuranceThe USAA Car Insurance Company (United Services Automobile Association) began in 1922 and is currently a partner of Hartford Financial Services. The USAA target market is current and past military personnel (and family members of military personnel).
Western National Car InsuranceThe Western National Car Insurance Company began in the year 1900 and now has customers in 19 states and has assets of over $510 million.

source: http://www.carinsurancecomparison.com/car-insurance-companies/

Car Insurance companies list-1

21st Century Car InsuranceThe 21st Century Car Insurance Company is affiliated with the insurance giant AIG and also has affiliate relationships with many different underwriting car insurance companies in various states that are each responsible for their own products.
AAA Car InsuranceThe AAA Car Insurance Company, or American Automobile Association, has a strong presence across the United States thanks to its AAA roadside service plans. AAA auto insurance is divided into different territories by geographic region of the US.
ACE Car InsuranceThe ACE Car Insurance Company (ACE Limited Group) is a worldwide insurer and reinsurer with assets in the billions. The headquarters of ACE Limted Group is in Zurich, Switzerland. ACE specializes in providing high risk commercial insurance.
AIG Car InsuranceThe AIG Car Insurance Company is a child of the insurance behemoth AIG (one of the larges insurers in the world) and although auto insurance policies used to be sold under the AIG name they have since been rebranded as 21st Century Auto Insurance.
AIS Car InsuranceThe AIS Car Insurance Company (AIS Insurance Group) is a key player in the Northeastern auto insurance market. AIS Insurance Group has both individual and business auto insurance policy customers in New Jersey, Delaware, and Pennsylvania.
Allianz Car InsuranceThe Allianz Car Insurance Company is a very large international insurance company that was originally founded in Berlin, Germany in 1890. Allianz is best known for its life insurance and annuity business.
Allied Car InsuranceThe Allied Car Insurance Company (ALLIED Mutual Automobile Association) was founded in Des Moines, Iowa in 1929 and is still headquartered there to this day. Allied is affiliated with the Nationwide Auto Insurance Company.
Allstate Car InsuranceThe Allstate Car Insurance Company is one of the largest and most well known car insurance companies in the United States. It is hard to turn on the TV without seeing a commercial for Allstate auto insurance.
American Family Car InsuranceThe American Car Insurance Company is a midsized US auto insurance company that currently offers insurance products in 18 states. American Family’s target market are ranches and farms in rural communities.
Amica Car InsuranceThe Amica Car Insurance Company is the oldest mutual auto insurance company in the United States. Amica has won a number of awards for their customer service from JD Power and Business Week.
Atlantic Mutual Car InsuranceThe Atlantic Mutual Car Insurance Company is a member of the Countrywide Insurance Group and is marketed under the “Atlantic Master Plan” branding.
Auto Owners Car InsuranceThe Auto Owners Car Insurance Company is a Michigan based auto insurer that was originally founded to serve Michigan residents but now offers car insurance coverage in 25 states.
Balboa Car InsuranceThe Balboa Car Insurance Company (Balboa Insurance Group, Inc.) is owned by Countrywide Financial and markets and services multiples line of insurance including credit insurance, auto insurance, and home insurance.
Central Car InsuranceThe Central Car Insurance Company uses the independent agent model to service over 300,000 policies in 19 different states. The Central Auto Insurance Company has over $1 billion in assets and offers auto, home, and business insurance coverage.
Chubb Car InsuranceThe Chubb Car Insurance Company was founded in 1882 in New York City, NY. Chubb has a very large international presence and has over $50 billion in assets.
Comparison Market Car InsuranceThe Comparison Market Car Insurance Company is really a full service independent auto insurance agency servicing over 300,000 auto insurance policies across the United States.
Conseco Car InsuranceThe Conseco Car Insurance Company is known predominately for offering not auto insurance but rather life insurance, health insurance, and annuities.
Country Mutual Car InsuranceThe Country Mutual Car Insurance Company began offering auto insurance in 1929. One notable event in the company’s history includes the acquisition of Northwest Farm Bureau in 1986.
Deerbrook Car InsuranceThe Deerbrook Car Insurance Company utilizes the independent auto insurance agency model to market and service the full lineup of Deerbook car insurance policies.
Direct General Car InsuranceThe Direct General Car Insurance Company has policy holders in 13 states and was begun in Nashville, Tennessee in 1991. Direct General is known for offering non standard car insurance coverage.
Eastwood Car InsuranceThe Eastwood Car Insurance Company (Eastwood Insurance Services) makes their home in the high risk sub standard auto insurance market by offering car insurance to those with DUI/DWI, accidents, and a traffic ticket issues.
Electric Car InsuranceThe Electric Car Insurance Company began operations in the year 1927 to address the insurance needs of the employees of General Electric but now offers coverage to many non GE employees throughout the US, UK, and Canada.

source from: http://www.carinsurancecomparison.com/car-insurance-companies/