Category

Auto Insurance

Category

Auto insurance is simply a must-have for every driver on the road. Protecting your passengers and your property are only a couple of the reasons you want to be sure you have reliable car insurance. It is also unlawful if you do not carry at least the state-required minimum. The problem with good coverage is that it can be quite costly in today’s economy. Nowadays everyone who has internet 24h, television with hundreds of channels, internet in your hands or just the radio in their cars, has been barraged by advertisements promising to save you 15% or more on your cheap car insurance under $100 a month if you switch to them. Although you may want to resist those marketing ploys, you can really come out ahead by actually taking the time to compare. By investing your time and exerting some effort into your quest for discount auto insurance, you can really save a lot, but it will take you more than the advertised 15 minutes.

Even if you are happy with the auto policy you have now, being a smart shopper will bring to the surface what else is available to you. The car insurance industry has become incredibly competitive lately and many major companies are willing to offer deep discounts to get your attention and hopefully your business. With all of the discount auto insurance companies available today we have found ourselves, as consumers, literally in the driver’s seat, finding that companies are often willing to compete for your business.

There are several online resources as well to help you narrow your search for low down payment car insurance. Be sure to use these resources, as they have already done the leg work, per se, as far as helping you compare rates. Before you get too excited about a new crazy low rate, take a moment to review the coverage you currently have.

You may be eligible to receive an additional discount

Discount car insurance has the availability to have all of the coverage you need and more, but again, you want to be sure you know what you are signing up for. Ask the service representative specific questions about your driving habits and routines. Make sure you ask those tough questions about non-collision damage and the deductible rate. You want to have a list ready with your questions so that you are prepared when the time comes to speak to the representative. This will help keep you organized as well as give you a place to make notes when you are reviewing the details of the discount car insurance.

When searching for your discount car insurance, as stated before, there are literally hundreds of online sources to help you gather quotes. A large portion of these sites is an unbiased third party that actually gets paid from the insurance carrier for the policies they sell. They may be a very reputable group; however, you do not want to leave that up to chance. Once you have gathered your quotes and narrowed your discount car insurance companies down to a select few, you will need to do a bit more research before you make your final decision.

A smart shopper knows it may not be polite, but it is always very wise to go ahead and look that gift horse in the mouth, as a figure of speech. You will need to do more than just take for granted that they are an upstanding provider and have great customer reviews.

Sadly enough, some companies will pay their employees to actually go out and write customer reviews and comments posing as a customer. Although the ethics of this practice are obviously frowned upon, it still happens more than we as consumers would like to believe.

Another thing to remember is that some of the bad company reviews can be from a customer that, well frankly, has unrealistic expectations of their coverage or policy, or again, an inside written review from a competitive discount car insurance provider. So, to find accurate company ratings you may have to look past the obvious forums and blog sites and go straight to the top.

Bodily injury and property damage are mandatory, so drivers must purchase both to keep themselves legal to drive. In case a driver fails to produce proof of the coverage to an officer, chances are the driver loses the license and must pay fines. Involvement in an accident without liability coverage can cost a lot of money from penalties and court fees in case someone decides to file a lawsuit. The same thing applies to property damage because at-fault party (someone who causes an accident) must pay for all the damages by law.

Liability Coverage

Road accident often causes not only damages to the car but also injuries to other people. The at-fault party is responsible for medical expenses and compensations for pain and suffering. In some cases, lost wages become part of the compensation as well. An insurance policy lists bodily injury coverage in numbers, for example, 20/40. It means the policyholder has a coverage limit of $20,000 for injuries per person and $40,000 for injuries per accident.

Property damages apply when the accident also causes damages to someone else’s properties, for example, cars, buildings, fence, and mailbox. All repairs for damaged physical structures are the responsibilities of the at-fault party. The person must provide the money to repair or replace those things.

Liability coverage covers defense and court costs, too. Defense attorneys and court need money, but at-fault can rely on this coverage to help pay for all expenses. The states set regulations on the minimum limit of liability coverage, but policyholders can purchase a higher limit if needs be. Because medical expenses and replacement costs can be expensive, liability coverage is important for every driver’s financial protection.

Less Important yet Useful Coverage

Bodily injury and property damage protect other people’s interests. The money or insurance premium that goes into liability coverage prevents someone else from the need to pay for their own medical treatment and items repair or replacement. Policyholder also needs protections for their health and properties, but these protections are available from a separate set of coverage, for examples:

  • Collision: in an accident, after which policyholder’s car needs major repair or parts replacement, collision coverage pays the cost for those. It only applies if damages are the result of accidents.
  • Comprehensive: for non-collision damages such as theft, vandalism, fire, falling objects, and animals, policyholder can take advantage of comprehensive coverage.

For both types of coverage, there are deductibles or amount of money policyholders will pay out of their pocket in addition to the payout. For example, a subscriber who has $1,000 deductible for collision coverage should receive $4,000 from insurance company to cover a $5,000 worth of damage. Higher deductible translates to a cheaper monthly premium, this allow you to opt for $20 down payment car insurance.

The Extras

Apart from those four types, insurance companies offer plenty of other coverage, but most of these covers only lower-dollar claims. In many situations, a policyholder can cover everything out of their pocket for examples:

  • Rental Reimbursement: it pays for car rental when policyholder’s car is under maintenance or repair.
  • Roadside Assistant: it covers the cost to hire roadside service, for example, in the event of a flat tire.
  • Minor Violation Forgiveness: it eliminates the possibility of higher premium after involvement in accidents or traffic tickets.

An independent agent can help customers choose the most appropriate sets of coverage for their personal needs. If the coverage is useful for someone, it does not mean that the next person should buy the same thing either. Deductibles as flexible cost; it can go higher than the company’s standard rate if the policyholder wants. An independent agent can help in online purchases, too.

Car Insurance Online

People used to buy insurance through either captive or independent agents. Still, now most major companies allow customers to purchase auto insurance policy online, make payments via the Internet, and file claims on websites. Captive agents are no longer important parts of the process because direct sales are now possible. Some advantages of online auto insurance purchase are as follows:

  • Constant Availability: the online system runs 24/7. There is no need to make a lot of phone calls and make appointments with agents to buy auto insurance. It is a convenient feature for a busy lifestyle.
  • Instant Documents: all documents except ID cards are printable from online pages. The policy is accessible in digital form, but policyholder can print it within minutes at the point of purchase.
  • Easy Inquiry: questions and all inquiries go through emails. Every question gets to the company regardless of the time of the day and day of the week. Most companies provide FAQ sections to help first-time buyers understand common terms.
  • Potential Savings: the absence of middleman service opens the door for bigger savings. A conventional method with a captive agent gives compensation to the agent because he/she helps secure the deal.

Citizens Insurance Company Has Its Own Insurance Agents

You can get a fair discount with them as in many other companies. Citizens insurance works mainly in Florida and Michigan, but it is getting bigger, and now it is possible to get insurance with them in many other states.

To get the best rate and types of coverage, customers can use the services of independent agents. These agents have no affiliation with any company, and they do not get compensation for every deal. An independent agent works for the customer for a negotiable fee.

You probably already know that if you are involved in a car accident that wasn’t your fault, you could be entitled to make a compensation claim. It doesn’t matter if you are the person who was driving the car, a passenger, or a pedestrian who was injured by a vehicle, you have the right to compensation if you are injured and the accident was someone else’s fault. It is important to think about making a claim as you may be out of pocket due to medical expenses and loss of earnings. These are the steps you need to take if you are involved in an accident and you want to claim for compensation.

Call the Police

If the accident is serious then the police will certainly be on the scene but even if the accident is minor and no one appears to be seriously injured, call the police anyway. It is best to get an official record of the incident so that key details can be used in your claim at a later date. When you make your car accident injury claim you can use details from the official police report. This may contain opinions from police as to who was at fault.

Make Notes and Take Photos

As soon as possible, make a written note of details related to the accident, for example the weather conditions, the time, and where exactly the accident happened. Write down what happened, in your opinion. You will also need to collect and keep photographic details that are linked to the accident such as photographs of the scene of the accident and any injuries that you sustained.

Keep Relevant Documentation

Following the accident and during your medical treatment and care, keep a hold of receipts and prescriptions, doctor’s notes, and other documentation related to your injuries. You should keep X-rays and details of appointment dates and diagnoses. In addition, keep hold of receipts related to your expenses. You may need to pay for taxis to and from hospital appointments, childcare, or care for a relative. Note that you may need to pay for cancellation charges for holidays that you may not be able to take. It is also useful to keep track of the hours of work lost and any income lost as a result of your injuries.

Look for a Solicitor

When you want to file a personal injury claim for injuries sustained in a car accident you will need a specialist personal injury solicitor, for example a specialist from http://shireslaw.com. Don’t leave it too long to find someone – you may need to spend a little time searching for the right person to represent you. Make sure you choose a solicitor who specialises in these kinds of cases.