Posts Tagged ‘online auto insurance’

New Auto Insurance Study Reveals Buyer Preferences

Tuesday, July 3rd, 2012

The Insurance Buyer Insight Study found that price is the #1 concern for buyers of auto insurance, with 65.8 percent of the 878 people polled saying that price was the main factor driving their decision-making. The Consumer Price Index found that auto insurance costs have increased 33.3 percent from 2002 to 2011.

How Much Have Auto Insurance Costs Gone Up?

Last year alone, insurance costs rose 3.6 percent, driving consumers to hit the internet in search of better deals. This rate was faster than medical costs (3 percent) and housing (1.3 percent), and almost on par with escalating food prices (up 3.7 percent). Worse yet, the average auto insurance buyer can end up with a raw deal if he or she does not shop around. The study looked at auto insurance quotes from 17 different carriers over a three-year period and found that the average difference between the lowest and the highest auto quotes is $1,437!

What Else Do People Want In Auto Insurance?

Prices aside, the study also revealed that consumers care about…

  • Finding trustworthy information about a provider,
  • Having confidence they are getting the coverage they need,
  • Being able to design a suitable insurance package, and
  • Accessing great customer service.

Where Can I Get Help Buying Auto Insurance?

Unlike most other shopping choices, consumers said that recommendations from family and friends DID NOT influence their purchase decisions. They also said that “knowing the company from advertisements” did not sway them one way or the other. Instead, it seemed most buyers were using the Internet to arrive at an unbiased solution.

  • 70.4 percent said they would like to use a site that compares quotes and offers reviews before buying coverage.
  • 26 percent said they used an insurance agent or perused auto insurance provider websites before buying last.

For your convenience, we offer free online auto insurance quotes right here, right now.

auto insurance

Auto Insurance Tips: Mechanical Breakdown Coverage

Tuesday, June 26th, 2012

Failing to plan for mechanical breakdowns is one of the quickest ways to find yourself in dire financial straits. While most of us purchase auto insurance to protect ourselves from a calamity, you will still want to consider mechanical breakdown insurance through your car insurer, dealer, bank or credit union. A standard auto insurance policy does not cover wear-and-tear maintenance should you need new major repair work.

What Does Mechanical Breakdown Insurance Cover?

You will need to save money on the side to cover wear-and-tear repairs like:

  • Transmission
  • Brakes & Rotors
  • Engine Parts (Oil Pump, Pistons, Timing Gears, Flywheel, Valves)
  • Drive Axles & Joints
  • Electrical Components
  • Cooling / Air Conditioning
  • Fuel System
  • Steering

If your vehicle should need towing or if you needed a rental car in the meantime, you will be glad to know this type of auto insurance would have you covered. You often will see roadside assistance and lock-out service added on as well.

How Much Does Mechanical Breakdown Auto Insurance Cost?

Unlike traditional auto insurance, your rate does not fluctuate if you make a claim. Instead, service contracts are based on the type of vehicle you own, the length of coverage, the number of miles driven, and the level of protection you desire.

Levels of Insurance

For instance, Mercury offers four levels of insurance all the way up to Platinum, which covers things like brakes, tires, shocks and windshield wiper blades. Like regular auto insurance, choosing a higher deductible (if possible) will lower your cost. It is important to know that this insurance is fully transferable should you decide to sell your car. If you do not want to transfer the policy, you will get a check back for the prorated amount of unused insurance.

auto insurance breakdown

Does your auto insurance policy cover normal wear and tear? You might want to consider adding this on. Until then, why not shop for a better auto insurance quote?

Auto Insurance Claims Adjuster Advice

Monday, June 25th, 2012

You may feel as though the auto insurance claims adjuster has arrived on the scene to act as your own personal lawyer. “Here is someone who has my best interests at heart because I’m the client,” you may think. It’s not that a claims adjuster is a crook, but keep in mind that this person’s job is to settle the case as quickly and affordably as possible. It’s up to you to ensure you get a fair deal.

Rule #1: Say As Little As Possible.

Talking too much is the biggest mistake people make. Drivers who’ve just been involved in an accident are often blabbing emotionally — which may not be the best recourse. Claims adjusters love to hear admissions of guilt and apologies, details that contradict what bystanders say, complaints about whiplash or what a “piece of junk” your car is, or background information about what a horrible day you’ve been having. Anything you say can and will be used against you!

Rule #2: When In Doubt, Hire Counsel.

You don’t have to answer questions that seem loaded. For instance, an auto insurance adjuster might ask:

  • How could you have avoided the accident?
  • How much do you think you are responsible?
  • Do you think the weather affected you?
  • Did you have any previous injuries or pain before the wreck?

Ask that all questions be directed through your legal representative first.

Rule #3: Take Your Time.

If you settle too fast, you may be forfeiting some of your consumer protections. An auto insurance claims adjuster might offer you a $1,000 check on-the-spot to fix your vehicle, plus another $500 for the inconvenience. But what if you have a soft tissue injury that hits you three days later like a ton of bricks? Once you take the money and settle, you are no longer entitled to compensation. Keep in mind you may be entitled to rental car reimbursement, which could buy you more time.

Auto Insurance Claims Adjuster Advice 1

Get a fair shake by surfing auto insurance quotes today.

Theft Drives Up Auto Insurance Rates in Washington State

Friday, June 15th, 2012

Washington state is a hotbed for auto thefts, according to National Insurance Crime Bureau statistics. Even though there has been a 1.6 percent decline in auto thefts since last year, Spokane is still fourth-highest in the nation for auto theft rates again. Yakima jumped five places from the 10th spot to the 5th. The Seattle-Tacoma-Bellevue area is responsible for 54 percent of all stolen vehicles in the nation — up 18 percent since 2009. This is bad news for Washington consumers    who are looking for affordable auto insurance rates.

How Many Vehicles Are Stolen In Washington?

Last year, 28,833 vehicles were reported as stolen. That’s 79 vehicles stolen every day or more than 3 per hour! NW Insurance Council President Karl Newman says, “American consumers continue to pay billions of dollars each year for auto theft.” He explains that the cost of replacing stolen vehicles and repair the recovered vehicles gets reflected in our auto insurance rates. It costs Washington auto insurance providers more than $170 million per year, in fact, with most reimbursements costing around $6,500.

How Can Consumers Protect Themselves?

When buying a new vehicle, consumers should elect for anti-theft technology. The NICB recommends four layers of protection:

1. Common Sense – Which means removing keys from the ignition, locking your doors, closing your windows and keeping valuables out-of-sight.

2. Warning Device – Which means choosing a steering column collar, audible alarm, brake lock, VIN etching, or decaling.

3.  Immobilization Device – Which means smart keys, fuse cut-offs, kill switches or wireless ignition authentication.

4. Tracking Device – Which means enabling the vehicle to be tracked via monitoring station.

Sick of Overpaying on your Auto Insurance?

You may be able to save thousands off your current auto insurance rate by switching providers. It is a very competitive market out there. It will only take you a few moments to enter your information into the search engine to get the best possible deal.

WA auto insurance

Protect yourself by adding anti-theft protection to your vehicle and shopping for the best auto insurance rates!

5 Reasons To Shop Around For Auto Insurance

Thursday, June 14th, 2012

Everyone is looking to save money these days. Taking just a few moments can save you hundreds — if not thousands — on your auto insurance policy. Here are five situations where shopping around for the best rates online is wise.

You Just Got Married.

In all your excitement about the Big Day and your Honeymoon, you may have forgotten that marriage opens up an opportunity to potentially save money on your auto insurance policy. Most companies offer multiple car discounts. If you get your homeowner’s insurance or life insurance through the same company, you will be eligible for a multiple line discount as well.

You Just Moved.

If you are moving to the suburbs or a more favorable part of town, you can save money on your auto insurance rate. National studies in big cities find that the discrepancies can vary by the hundreds of dollars!

You Just Retired.

Statistically speaking, retirees drive far less than their commuting peers. You may be eligible for special discounts if you are 55 and older or recently retired. Furthermore, your decades of driving experience and years of clean records can stack up in your favor too.

You Got A New Job.

Engineers, scientists, mathematicians, educators and military members statistically get in fewer accidents and are rewarded with lower rates at some auto insurance companies.

You Got A New Car.

New cars can sometimes increase your rate if you were driving your old junker around with collision insurance. However, increased safety features and the willingness to pay a higher deductible can offset those increases and actually end up saving you money.

5 Reasons To Shop Around For Auto Insurance 2

Retire recently? You could be saving on your auto insurance rate!


Senior Citizen Drivers: Insurance For Your Car

Friday, April 6th, 2012

The CDC reports that 500 seniors (ages 65+) are injured in automobile accidents everyday in the United States. Despite the high risks associated with older Americans on the road, seniors value the freedom and independence that staying on the road gives them. Therefore, it is important to consider ways to limit the risks for these 33 million drivers.

Limiting Risk Factors

The risks are greater if…

  • Drivers are 75-80 years old.
  • Drivers have had a decline in vision or cognitive function.
  • Drivers are male.
  • The weather is bad.
  • Seat belts are not worn.

To limit these risks, senior drivers should exercise regularly to improve strength, flexibility and all-around health. They should also talk to their doctors about finding medications that do not produce side effects that will impair their ability to drive. Eye exams should be completed each year. Seniors should identify the safest possible route along well-lit roads, intersections with turn arrows and easy access to parking. They should leave a large following distance ahead of them at all times and opt to drive during clear weather and daylight as much as possible.

Low Auto Insurance For Seniors

Most seniors will qualify for one of several auto insurance discounts. Adults and retirees who reach the age of 50 or 55 generally get 5-10 percent off. Defensive driving courses can reduce rates by 10 percent for a three year period. The best way to keep auto insurance low is to drive safely and avoid tickets or accidents, but you can also save by switching to a different provider, so get your free auto insurance quote today. It only takes a few minutes and there is no obligation!

auto insurance
Photo by The Associated Press

Should You Buy NE Car Insurance On Line?

Tuesday, April 5th, 2011

Buying NE car insurance on line is an easy and convenient way for consumers to get the protection they need. People who have never bought a policy in this way may be wondering whether quotes generated online are as accurate as ones generated by an agent and if buying online is secure. The answer to both questions is “Yes.”

Whether the quote for coverage is generated by an agent or through a company web site, the same software is used. A prospective customer can get pricing information quickly and efficiently by going online. Consumers who want to find the lowest rates on their NE car insurance coverage should get quotes from a number of companies, and they can get this valuable information quickly by doing so electronically.

When a customer finds a company he or she wants to deal with, buying an NE car insurance policy online is a secure method of doing so. Drivers in NE can arrange for the coverage they need, pay a deposit and receive proof of coverage online. The insurance company will issue a temporary insurance card that the driver should place in his or her vehicle until the formal policy and the official insurance card are received in the mail. The insurance card will be needed in case the driver is stopped by police or is involved in a motor vehicle accident.

 

How to Buy Virginia Car Insurance Online

Tuesday, February 1st, 2011

Buying Virginia car insurance coverage online is not a difficult process. If  you need to get coverage put in place quickly, this is a great choice. The Internet makes it easy to shop for coverage, compare rates and even buy a policy without having to speak to a company representative directly.

Your first step when you want to buy Virginia car insurance coverage online is to conduct a search for companies licensed to sell policies in the state. When you have the search results on screen, click through to different insurance company web sites to get to know something about them.

Evaluate each company based on its financial health, product line and available discounts. The insurance company you choose should be one that has been in business for several years that has the resources to pay out on claims made by policyholders. You will also want to get an idea of how well the company treats its customers and whether it processes claims promptly as part of your decision-making process.

Once you find a company that you would like to do business with, buying a policy online is a very simple matter. You can provide your personal details and make a down payment for your coverage using a credit card. The insurance company will provide you with a printable receipt and a temporary insurance card that you can use as proof of coverage until you receive the official card and a copy of your policy in the mail.