Senin, 27 September 2010
You Could Save Over $500 on Car Insurance
If you're new to car insurance, want to switch to a different auto insurance company or looking for a low car insurance rate, choose Progressive. By shopping for lower car insurance rates, you could save hundreds on your auto insurance.
Sabtu, 04 September 2010
Stay away from progressive - Auto Insurance
I didn't know this web site existed until I was looking on line for a way to get help with a progressive claim. Wish I saw it and all the complaints earlier, may have saved my family a big headache.
Last June my parents bought a brand new 31 foot motor home. My dad worked his whole life and scrimped and saved for this motor home for use in his retirement.
My parents used the motor home three times in the past year for a total of 11 days. The motor home had a total of 800 miles on it. About five weeks ago my dad was taking the motor home in to have it de-winterized so he could use it to go camping when he was in a chain reaction accident.
My father was stopped in a traffic jam when someone came speeding up from the rear at a very high rate of speed. The car hit 1 car which skid into a second car, which skid into the rear of the motor home. The motor home was heavy enough to stop the forward progress of the accident, but it suffered quite a bit of damage.
My father called his insurance company, Progressive, and has had nothing but problems. First The person who caused the accident has the lowest policy allowed by law $10,000/$50,000, but it should be no problem as my parent carry under insured motorist. That's where we were wrong.
Progressive required my parents to take the motor home to a certain shop to have the work done. I believe this is illegal, but my parents did it. The adjuster came out and said there was about $5000 worth of damage. According to the repair shop there is a lot more then that. The frame is bent in one place, and broken in another. I think this should warrant totaling the motor home and replacing it, but they say it can be fixed. Then the adjuster told my parents some of the damage was done prior to the accident and they would not pay for it.
Last June my parents bought a brand new 31 foot motor home. My dad worked his whole life and scrimped and saved for this motor home for use in his retirement.
My parents used the motor home three times in the past year for a total of 11 days. The motor home had a total of 800 miles on it. About five weeks ago my dad was taking the motor home in to have it de-winterized so he could use it to go camping when he was in a chain reaction accident.
My father was stopped in a traffic jam when someone came speeding up from the rear at a very high rate of speed. The car hit 1 car which skid into a second car, which skid into the rear of the motor home. The motor home was heavy enough to stop the forward progress of the accident, but it suffered quite a bit of damage.
My father called his insurance company, Progressive, and has had nothing but problems. First The person who caused the accident has the lowest policy allowed by law $10,000/$50,000, but it should be no problem as my parent carry under insured motorist. That's where we were wrong.
Progressive required my parents to take the motor home to a certain shop to have the work done. I believe this is illegal, but my parents did it. The adjuster came out and said there was about $5000 worth of damage. According to the repair shop there is a lot more then that. The frame is bent in one place, and broken in another. I think this should warrant totaling the motor home and replacing it, but they say it can be fixed. Then the adjuster told my parents some of the damage was done prior to the accident and they would not pay for it.
Kamis, 10 Juni 2010
Don’t Let Your Auto Insurance Skyrocket
When it comes to keeping your auto insurance premium affordable, you have to keep up with all the factors that may cause fluctuations in car insurance quotes. It’s your responsibility to keep in check anything that may cause your car insurance rates to rise. That includes moving violations and keeping a valid driver’s license. To shop for the lowest rates on a new policy, use our quick online forms to compare several quotes.
A Suspended License and What It Means
One too many moving violations can and will result in your driver’s license to suspended. As if it weren’t daunting enough to lose your key to open and unrestricted transportation, a suspended license may cause your auto insurance premium to skyrocket. Moving violations are red flags to your insurance company that you may be a high-risk client. Those risks calculate higher premiums, and nothing is more high-risk than a policyholder who has been reckless enough to get their license suspended.
Compare Auto Insurance Quotes
Enter Zip Code
Any of the following (however, the full types of violations are not limited to this list) can result in a ticket, fine, and/or fee; enough of them can result in your license becoming suspended:
* Speeding
* Failure to obey traffic signs
* Disobeying a red light
* Failure to signal when turning or changing lanes
* Not wearing a seatbelt
* Failure to stop for a pedestrian, school bus (when children or getting on or off)
* Drunken driving; reckless driving; vehicular homicide
The more of these infractions that are on your driving record, the more it will cost to insure you. In other words, the more it will cost YOU to keep up your car insurance premiums. For reckless drivers, car insurance quotes will only get higher and higher.
What You Can Do About It:
* Get car insurance quotes. Oftentimes, if you want to get your license reinstated, you will need to show proof of your auto insurance, SR22 insurance , most likely. (Remember: it’s illegal to drive uninsured). Shop online for car insurance quotes and to find an affordable policy. See what car insurance agents are willing to work with you and offer you a policy within your budget and with sufficient coverage.
* Defensive driving course. Proving that you are willing to take additional training to develop better driving skills is a big step in the right direction to proving your insurability to insurance companies. A car insurance agent or provider is more likely to take a chance with you if you have successfully completed a defensive driving course.
* Pay up. If you would like to reinstate your license after your probation/suspension period is over, remember that you are required to pay reinstatement fees. Costs vary, so contact your local DMV to find out how much it costs to reinstate a suspended license. Keep in mind, it can get very expensive (costs can vary between $70 and $500).
* Apply for a temporary driving permit/restricted license. In some cases, a suspended-licensed driver may be able to apply for a temporary driving permit or a temporary restricted license (some states offer this; check with your local DMV to see if yours does). This permit/license allows you to continue driving, but only for certain reasons—e.g. commuting to and from work, needed medical appointments, etc. To get a temporary permit/license, the suspended-licensed driver will have to pay their state’s reinstatement fee, fulfill responsibility criteria and successfully complete a written test. To keep this privilege, the driver is not allowed to make even one more moving violation.
* Keep your record clean. Losing your license is equivalent to hitting rock bottom. Take it as an opportunity to try to start over, keep your record clean and prove that you can and will be insurable once again. Steer clear of anything that will further blemish your driving record.
Getting Around the Law: Not So Fast…
There is a database known as the National Driver Register (NDR). This allows authorities and licensing agencies to keep track of those drivers with licenses that are either revoked or suspended. This prevents suspended-licensed drivers from seeking another driver’s license in another state.
Be Patient When Getting Car Insurance Quotes
When looking for car insurance quotes, don’t get discouraged if you’re not hearing a number that you like. Because suspended-licensed drivers are considered high risk, it’s not uncommon for car insurance agents to offer you higher car insurance quotes. While you may be expected to pay a higher premium at first, proving yourself as a responsible driver over time will qualify you for a discount or reduced premium rate. Using the online forms here at InsuranceAgents.com you can compare multiple quotes from local agents in you area.
A Suspended License and What It Means
One too many moving violations can and will result in your driver’s license to suspended. As if it weren’t daunting enough to lose your key to open and unrestricted transportation, a suspended license may cause your auto insurance premium to skyrocket. Moving violations are red flags to your insurance company that you may be a high-risk client. Those risks calculate higher premiums, and nothing is more high-risk than a policyholder who has been reckless enough to get their license suspended.
Compare Auto Insurance Quotes
Enter Zip Code
Any of the following (however, the full types of violations are not limited to this list) can result in a ticket, fine, and/or fee; enough of them can result in your license becoming suspended:
* Speeding
* Failure to obey traffic signs
* Disobeying a red light
* Failure to signal when turning or changing lanes
* Not wearing a seatbelt
* Failure to stop for a pedestrian, school bus (when children or getting on or off)
* Drunken driving; reckless driving; vehicular homicide
The more of these infractions that are on your driving record, the more it will cost to insure you. In other words, the more it will cost YOU to keep up your car insurance premiums. For reckless drivers, car insurance quotes will only get higher and higher.
What You Can Do About It:
* Get car insurance quotes. Oftentimes, if you want to get your license reinstated, you will need to show proof of your auto insurance, SR22 insurance , most likely. (Remember: it’s illegal to drive uninsured). Shop online for car insurance quotes and to find an affordable policy. See what car insurance agents are willing to work with you and offer you a policy within your budget and with sufficient coverage.
* Defensive driving course. Proving that you are willing to take additional training to develop better driving skills is a big step in the right direction to proving your insurability to insurance companies. A car insurance agent or provider is more likely to take a chance with you if you have successfully completed a defensive driving course.
* Pay up. If you would like to reinstate your license after your probation/suspension period is over, remember that you are required to pay reinstatement fees. Costs vary, so contact your local DMV to find out how much it costs to reinstate a suspended license. Keep in mind, it can get very expensive (costs can vary between $70 and $500).
* Apply for a temporary driving permit/restricted license. In some cases, a suspended-licensed driver may be able to apply for a temporary driving permit or a temporary restricted license (some states offer this; check with your local DMV to see if yours does). This permit/license allows you to continue driving, but only for certain reasons—e.g. commuting to and from work, needed medical appointments, etc. To get a temporary permit/license, the suspended-licensed driver will have to pay their state’s reinstatement fee, fulfill responsibility criteria and successfully complete a written test. To keep this privilege, the driver is not allowed to make even one more moving violation.
* Keep your record clean. Losing your license is equivalent to hitting rock bottom. Take it as an opportunity to try to start over, keep your record clean and prove that you can and will be insurable once again. Steer clear of anything that will further blemish your driving record.
Getting Around the Law: Not So Fast…
There is a database known as the National Driver Register (NDR). This allows authorities and licensing agencies to keep track of those drivers with licenses that are either revoked or suspended. This prevents suspended-licensed drivers from seeking another driver’s license in another state.
Be Patient When Getting Car Insurance Quotes
When looking for car insurance quotes, don’t get discouraged if you’re not hearing a number that you like. Because suspended-licensed drivers are considered high risk, it’s not uncommon for car insurance agents to offer you higher car insurance quotes. While you may be expected to pay a higher premium at first, proving yourself as a responsible driver over time will qualify you for a discount or reduced premium rate. Using the online forms here at InsuranceAgents.com you can compare multiple quotes from local agents in you area.
Rabu, 14 April 2010
Best auto insurance for military families
If you're in the military, reviews say you've got the best auto insurance option anywhere: The United Services Automobile Association (USAA) tops just about every auto insurance ratings chart there is. It's financially strong, earning the highest possible scores at all four ratings services (Moody's, Standard & Poor's, A.M. Best and TheStreet.com). Customers say USAA reps are extremely helpful, and most report no problems with claims, although a few claimants say they've gotten a runaround from USAA. Reviews praise USAA's low prices, but it's also a favorite among wealthy military and former military clients. However, only current or former military personnel are eligible, as are the children of policyholders.
J.D. Power and Associates provides the most thorough analysis of USAA, ranking it against two dozen other insurers based on 17 criteria (including price and overall claims experience) from thousands of owner surveys. Consumer Reports does similar rankings, but its report is only available in a back issue of the magazine. The New York State Insurance Department ranks USAA against 39 other auto insurers based on customer complaints filed there. TheStreet.com Ratings lists USAA among the top auto insurers based on its financial strength. Epinions.com has lots of consumer reviews for USAA, positive and negative.
J.D. Power and Associates provides the most thorough analysis of USAA, ranking it against two dozen other insurers based on 17 criteria (including price and overall claims experience) from thousands of owner surveys. Consumer Reports does similar rankings, but its report is only available in a back issue of the magazine. The New York State Insurance Department ranks USAA against 39 other auto insurers based on customer complaints filed there. TheStreet.com Ratings lists USAA among the top auto insurers based on its financial strength. Epinions.com has lots of consumer reviews for USAA, positive and negative.
Minggu, 11 April 2010
America's #1 Car Insurance!
State Farm® has been in the business of providing excellent automobile insurance coverage at an affordable price since 1922. Responding to our customers' needs keeps us the leader in auto insurance.
In most states, if you want to drive your own vehicle, you must be insured.
Car insurance is designed to help financially cover potential auto-related damages, loss or injuries. It helps protect you, your passengers, your fellow drivers, pedestrians, other people's property and your car. It can also help protect you in the event of an automobile-related lawsuit.
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