Auto insurance » Auto Insurance Companies

Alabama Auto Insurance – Requirements and Tips to Reduce Your Rates

admin — Thu, 29 Apr 2010 20:39:46 +0000

Alabama auto insurance is compulsory in Alabama. Insurance coverage shelters you from unforeseen eventualities and expenses in an accident. Besides, Alabama auto insurance is a legal requirement for all Alabama drivers.

What is the Compulsory Insurance Coverage?

Alabama auto insurance provides compulsory coverage of bodily injury and property damage liabilities. Bodily injury liability is $20,000 for physical injuries per person in an accident, $40,000 for all physical injuries to all persons in an accident, and property damages coverage is $10,000 for an accident. Of course, these are minimum limits and it is best to have higher insurance limits for better coverage in case of any accident.

Why do I need auto insurance?

Alabama auto insurance protects you from accidents and associated expenses, but you need it more so to adhere to the state law. Lack of minimum liability insurance is illegal and wrong.

What is proof of my auto insurance?

Insurance companies provide you insurance card listing all details like your vehicle make, model number and year of purchase of vehicle, vehicle identification number, name of insurance company, name of insured, policy number with effective, and expiry dates of policy. Sometimes there are other proofs of your Alabama auto insurance like premium receipt, liability insurance policy, temporary insurance card, certificate of your insurance from your insurance company, copy of rental agreement mentioning insurance coverage, etc.

Need I carry insurance proof?

Yes, you need to carry proof of your Alabama auto insurance in your vehicle. You should be able to show it to law enforcement officers when asked for. If you do not possess insurance proof, you are guilty of improper conduct and face fines of $500. Repeated offense imposes stringent fines and suspension of your license.

What decides my insurance premium?

Auto insurance companies fix insurance rates according to overall driving habits of state drivers. It is an average of all necessary fees and exact insurance premium depends on further calculations like your age, vehicle type, place of residence, etc. You can get numerous quotes from different Alabama auto insurance companies and choose the most suitable insurance for your vehicle.

By: Austin Davis

Can GEICO Auto Insurance Help When It Comes To DUI Car Insurance?

admin — Sun, 25 Apr 2010 07:47:45 +0000

DUI car insurance is quite a significant issue for those charged with drunk driving, DUI, DWI, or other alcohol-related driving offenses. Auto insurance companies including GEICO auto insurance will base their rates on a variety of factors, including driving record.

Drunk driving convictions will cause many auto insurance carriers to drop you like a hot potato as an insured; others will raise the rates significantly. In many cases it may be best not to reveal a pending case to an insurance carrier, simply because without a conviction, there is no obligation to do so.

If an accident is involved in the alcohol-related driving episode, then it becomes even more complicated when to talk with your auto insurance company and when to talk to your lawyer. Therefore, it is critical to consult with a qualified lawyer in your area to determine whether the insurance company can exclude the incident from coverage. In most cases, when someone has a DUI or DWI and gets into an accident, a GEICO auto insurance policy will cover the damage. It is not absolute, but nice to know they stand by their auto insurance policies and can back it up with their strong financial power.

By getting a free, no-obligation quote on auto insurance from GEICO Auto Insurance anyone accused of a DUI / DWI can get information on the specifics of their situation while there is still time to do something about it.

For fast info on some of the top 10 auto insurance companies click on over to Free Advice For Top 10 Auto Insurance Companies.

By: Carley Swift

Auto Insurance – An Informative Guide For Car Owners

admin — Sat, 03 Apr 2010 07:44:54 +0000

The advent of the internet has completely changed the way we communicate, do business or even buy and sell products and services. Take the example of a person wanting to buy auto insurance. Obviously he would be looking for free insurance quotes. Now imagine this potential buyer contacting several auto insurance companies, getting their free quotes, comparing them and finally coming to a decision. This is not only time consuming and laborious but does not even ensure that he is making the right choice. The internet, takes the load off his shoulders when it concerns finding quotes. At the press of a button, it can provide you as many quotes as you like, complete with price and coverage plans. You access this type of valuable information not only sitting in the comfort of your home, but do not have to spend any money for accessing the information!

While the internet may quickly and efficiently provide you with numerous free quotes, the question still remains how to choose the most suitable auto insurance which is best for your needs and affordable for your pocket? For this, you need to study the comparative free auto quotes, to come to the right decision. Do not limit your research to price only, look for coverage also. Only then can you do justice to the information received online. I hope that this article was helpful in your search for good auto insurance information. Check out my other sites if you would look some more information on this topic.

By: Ron Holden

Auto Insurance Quotes – 3 Do’s and 3 Don’ts

admin — Tue, 30 Mar 2010 00:47:01 +0000

Auto insurance quotes are not unlike many other products for which you shop online. You truly need to shop around for them. Take a look at this list of 3 things you should do and 3 things you shouldn’t do when shopping for the best auto insurance quotes.

First we’ll take a look at 3 Do’s:

1) Make sure you get auto insurance quotes from at lease five auto insurance companies. Don’t jump at the first good rates you see. After all, you wouldn’t purchase the first auto you look at on the lot – shop around.

2) When submitting information required to receive your auto insurance quotes – make sure you submit information that is as accurate and complete as possible. The auto insurance quote is only as good as the information you submit.

3) Make sure the auto insurance quotes you get are for similar auto insurance policies. If the auto insurance policies are different – you won’t be able to trust the quality of the auto insurance quotes.

Now, we’ll take a look at 3 Don’ts:

1) Don’t let the sales person who contacts you with your auto insurance quotes talk you into switching to their company until you’ve had a chance to analyze the auto insurance quotes from each insurance company.

2) Don’t let flashy auto insurance gimmicks motivate your decision to change auto insurance quotes. Often these flashy gimmicks sound good – but you probably won’t even use them.

3) Don’t forget to obtain auto insurance quotes with a wide range of deductible amounts. I’ve found that by raising my auto insurance deductible amount by only a few hundred dollars – I’ve saved thousands over the long haul.

By: Edward Welch

Inexpensive Auto Insurance May Yield Awful Insurance

admin — Thu, 11 Mar 2010 07:27:08 +0000

If you are searching for inexpensive auto insurance, certain guidelines should be kept in mind and with whom you are dealing with. Many insurance companies have belligerent marketing campaigns to instigate the customer to buy their products. Insurance brokers or agents will persuade the customer so that they are able to sell various inexpensive insurance policies. The agent may tell that you can save 20% in car insurance, but they might not convey the hidden aspects of the policy when one make a claim.

Insurance policies are very restraining contracts. The customer has to be aware of the various coverage’s, deductibles and limits. The most awful thing that might happen is when the policy holder meets with an accident and has insufficient insurance coverage. The customer has to know the general policy requirements, definitions and most importantly one must have a xerox copy of the policy for future use. The customer should thoroughly read all the necessary information before signing the auto insurance.

Most auto insurance companies and their agents have never settled or adjusted an accident claim. They will be aware of all the procedures but they might not be familiar with what your policy covers and does cover in detail, and even if they convey the message that everything is covered but in reality it might not be true. Many accident claims are declined or not dealt accordingly because the insurance company does not consider their agent told something to bind coverage, it is the policy holder who has to confirm what exactly the agent said. The insurance company will try to prove their view point.

The customer has to be very cautious of who the insurer is. Many independent brokers work for various car insurance companies and can give the inexpensive quote. However you need to find out that which insurance company you are dealing with. There are several companies who should not be in this business. Do not completely believe on what the broker conveys to you. Always try to discuss each and every minute detail with your friends and acquaintances.

Everybody wants inexpensive insurance but the only way to secure it is by comparing every quote. Always try to ascertain yourself with every minute detail and term. The customer has to be fully aware of its needs and desires before opting to buy it. The buyer has to know that if he or she carries Personal Accident Protection (PAP) coverage. In this coverage all the medicals bills will be covered in an accident.

These are some of the guidelines that should be kept in mind before opting to buy inexpensive auto insurance.

By: Caroline Barnes

Auto Insurance Company – What to Look For

admin — Sun, 07 Mar 2010 01:10:54 +0000

There are literally hundreds of car insurance companies out there, so how do you find the one that is right for you? Following the tips below should help you in your quest.

Compare rates from at least five companies.
With most of us the prime consideration is price, so start off by comparing the rates from at least five different automobile insurance companies. Rates do widely vary within companies even for the same coverage. Thanks to the internet, this has never been easier, with many websites offering instant quotes with comparisons. By completing one simple form, you can compare the rates of multiple auto insurance companies effortlessly instead of the tedious business of contacting them individually. But don’t just rely on price comparisons alone.

Check out the strength and reliability of each company
Ok, you’ve found a great quote, but is it as good as it appears? Don’t forget, price is not everything. There is no point in going for the cheapest quote if the quoting auto insurance company has a bad record when it comes to paying claims. How can you find out whether or not an auto insurance is stable? Once again the Internet makes researching into the reliability of a company fairly easy. There are many sites that offer ratings for auto insurance companies. The ratings given range from the length of time it takes to settle claims to general customer satisfaction.

Customer Service and Claims Assistance
Customer service is another important factor to take into account when deciding upon which auto insurance quote to accept. Give the company a ring or send them an email asking a simple question such as “Will I get a discount if I insure more than one vehicle with your company?” The promptness and tone of their response will give you some idea on their level of customer service. Claims assistance is equally important. Check with your state’s Department of Insurance to get a claims complaint history. If the company you are researching has a long list of claims complaints then avoid it like the plague.

Make sure the company offers the cover and options that you need
Before you start searching for auto insurance quotes, you should have made a list of the coverage and options you need. Compare this list with the quotes that you receive. Does the company offer collision coverage and is it included or optional? Does the quote cover the minimum auto insurance requirements for your state? As obtaining quotes via the Internet is quick and obligation free you can easily try many variations of cover and options until you find the quote you feel is right for you.

By: Colin R Cherry

Auto Insurance Savings: Tips for Lowering Your Premium

admin — Thu, 11 Feb 2010 00:20:13 +0000

It’s not exactly cheap to drive and maintain a car these days. As gas prices waver up and down and salaries fail to keep pace with inflation, it seems we’re all looking for ways to cut costs.

For those of us who drive, auto insurance is a necessary requirement enforced by law. Though we hate paying what we sometimes feel are outrageous premiums, the financial protection we gain from those policies is a trade-off we just can’t live without.

Just ask anyone who’s been involved in an accident lately.

But there is good news. As this mobile society struggles to keep up with increasing costs, auto insurance premiums have finally begun a downward trend.

According to one reliable source, the average auto insurance premium fell almost 2 percent last year, to an average of just over $2,300 per household.

That may not sound like much, but it translates to an average savings of $60 a year.

If you weren’t one of the lucky ones who got a pleasant surprise when your auto insurance policy renewed this year, don’t despair. You can still save money on your premium by following a few simple steps:
Comparison Shop. If you have a good driving record and/or buy a safer car, your premium should go down. Plus, with some companies now charging lower rates, increased competition means better auto insurance rates for you! Take advantage of online marketing services like InsureMe.com to find the best auto insurance rates from competing insurers.
Find out what your insurance will cost before you buy that new car. Auto insurance companies typically charge more for cars that are expensive to repair or don’t fare well in accidents. So before you drive off that lot, make sure your new car is considered safe, and relatively cheap and easy to repair by your insurer. This will help minimize risk…for both of you!
Ask your insurer for discounts. These cost-savers can lower your insurance premiums more than you might think:
Combining two or more cars on one auto insurance policy Buying a car with airbags or other safety equipment Installing anti-theft devices in your vehicle Completing a driver’s education course Insuring your home and auto with the same insurer Applying for a mature driver discount (for those between 50 and 65) Getting good grades (for students under 25)
Take the highest deductible you can afford. Your deductible is the amount you pay out-of-pocket, in case of a claim, before your insurance company starts paying its share. The higher your deductible, the lower your premium—it’s as simple as that. Just be sure you’re able to absorb a larger portion of your loss in case of an accident.
Improve your driving record. The more tickets and accidents you have, the more your auto insurance costs. So drive cautiously, improve your motor vehicle record, and inform your auto insurance company of the change. They’ll reclassify you as a safer driver, and lower your auto insurance rates in the process!
Consider dropping comprehensive and/or collision coverage if you drive an older car. Physical damage coverages like these reimburse you for damages to your own car. But if the vehicle you drive is several years old—or worth less than $1,000—it may not be worth much anyway. Dropping such unnecessary coverage can really save you money.
Review your policy regularly, and keep your coverage updated. Your auto insurance rates may fluctuate due to:
Adding or removing a driver from your auto insurance policy Replacing an older vehicle with a newer one Adding or removing a vehicle from your policy Increasing or decreasing the number of miles you drive annually
Talk to your insurer if you encounter any of these situations. Under the right circumstances, you’ll reduce the impact on your wallet—and walk away a few dollars richer!

If you’re looking for ways to counter prices at the pumps—and everywhere else, for that matter—take these tips to heart.

By: Penny Hagerman

Finding Auto Insurance in Lubbock, Texas

admin — Sun, 31 Jan 2010 01:46:47 +0000

If you live in Lubbock, Texas and you need an Auto Insurance then you definitely on a right place. There are many Auto Insurance Companies in Lubbock, Texas to choose from. Here is a list of them.

AUTO PARTNERS INSURANCE :

Auto Partners Insurance, located at 1711 34th Street, offers auto insurance for all cars and also for all drivers with no down payment. They also offer many discounts, immediate coverage and Mexico Insurance.

Their timings are Monday through Friday 9am-6pm and Saturday 9am-1pm.

Auto Partners Insurance can be contacted at (806) 749-7200 for more information

ALL WRITE INSURANCE :

All Write Insurance, located at 2413 20th Street, offers a full line of auto insurance policies for any problem you may have. They offer impressive discounts for good drivers.

They are in operation from Monday to Saturday.

All Write Insurance can be contacted at (806) 763-2886 for a free quote or for more information.

TEXAS WEST INSURANCE AGENCY

Texas West Insurance Agency, located at 2138 19th Street, offer automotive, watercraft and truck insurance.

They offer same day coverage and preferred rates for preferred drivers. They specialize in Truck Insurance.

They are in operation from Monday to Friday 8:30am to 5:30pm.

Texas West Insurance Agency can be contacted at (806) 763-3300 for more information.

SANFORD INSURANCE AGENCY

Sanford Insurance Agency, is very old in this business, located at 6303 Indiana, They has been doing business since 1935. They provide insurance for auto, home, business, life and health. They provide all insurance lines of business, from small client risks to jumbo accounts.

They have a specialty department for contractors, medical malpractice and oil and gas.

Sanford Insurance Agency can be contacted at (806) 792-5564 for more information.

FRED LOYA INSURANCE

Fred Loya Insurance, located at 106 North University, They are specialist in Auto Insurance since 1974.

They offer many discounts including 20% multi car, 20% prior insurance, 10% renewal, 10% home owner and 10% preferred rates.

Options include monthly policies, semi-annual policies, SR-22′s and immediate coverage.

Their working Timings are Monday to Friday 9am-7pm and Saturday 9am-2pm.

Fred Loya Insurance can be contacted at (806) 744-2500 for more information.

SHORT INSURANCE

Short Insurance, located at 2415 20th Street, offers almost every type of Insurance such as auto, home, motorcycle and commercial and business insurance. They are an independent insurance agent.

Short Insurance can be contacted at (806) 744-0125 for a quote or for more information.

TEXAS STATE LOW COST INSURANCE INC.

Texas State Low Cost Insurance Inc., located at 2406 34th Street, has been serving in this business from 27 years. They provide auto and home insurance.

They offer monthly or 6-month policies, They insure all cars and all drivers.

Their Timings are Monday through Friday 9am to 5:30pm and Saturday 9am to 1:00pm.

Texas State Low Cost Insurance Inc. can be contacted at (806) 792-5555 for more information.

BUTLER-CARSON INSURANCE

Butler-Carson Insurance, located at 4505 82nd Street, Suite #10, has three agents with over 70 years combined experience. They have been in the Lubbock area since 1956, so they are no.2 in experience after Sanford Insurance Agency..

They offer personal insurance which includes homes, auto insurance but they specialize in autos, motorcycles, boats and personal watercraft, recreational vehicles, mobile homes and health insurance. They also offer business insurance which includes commercial property, general liability, business auto, workers compensation, professional liability and group life and health and many more.

Butler-Carson Insurance can be contacted at (806) 798-7979 for a quote or for more information.

By: Umer Hayat

Auto Insurance Companies

admin — Mon, 25 Jan 2010 17:12:55 +0000

Cost is undoubtedly a bid consideration when choosing an auto insurance company, but you should not base your decision on cost alone. Don’t be fooled by very low rates – some of these companies offer limited coverage, below-standard customer support and some of them may even be scams.

Unlike traditional yellow pages, Internet directories can give you the most relevant results record-breaking time. Some sites let you search auto insurance companies within certain locations – just enter your zip code and you can have ready access to all the car insurance providers near you.

Don’t be fooled by low insurance rates – you need to look past the price and into coverage that matters the most. Carefully study coverage extent, the length of time it takes to process claims and extras such as free towing or road assistance. Customer support is also extremely important – you want an auto insurance company that can give you maximum support whether online or over the phone. To test if an auto insurance company has a good client support team, try calling their toll free numbers. Assess the competence of their representatives by asking them specific questions about polices. They should be able to answer you to your satisfaction, or at least refer you to someone with better knowledge.

Referrals are the best way to reach a reliable auto insurance company. Ask your friends and relatives what company they use, and ask them if they are satisfied. If your friends and relatives recommend a certain car insurance company, it is probably worth considering.

By: Peter Emerson

Auto Insurance In Texas

admin — Mon, 25 Jan 2010 01:04:32 +0000

If you are looking for auto insurance in texas, you might want to check out golden rule insurance company who offers cheap auto insurance online. Of course there are plenty of other companies that also offer affordable rates, but first you should understand Texas auto insurance requirements.

Texas is a tort state, which means that the driver is financially responsible for any damage and injury they cause in an accident. Purchasing Texas Auto Insurance will fulfill this legal requirement.

Texas auto liability minimums are 20/40/15 which translates to $20,000 per person for injuries you cause to the other party to a total of $40,000 for all claims and up to $15,000 for damage you cause another persons property. These are the minimum requirements and it is recommended that you carry much higher levels of liability insurance.

In addition to required liability coverage, Texas drivers may choose to purchase coverage for some “first party benefits”. These include compensation for medical expenses, loss of income, and loss of services. These benefits apply to every accident regardless of fault.

Uninsured and underinsured motorist policies also cover your expenses, but these apply in the event that you are struck by a driver with inadequate liability insurance. These policies are not required, but they’re relatively inexpensive, and can provide a lot of protection.

Texas auto insurance companies will also offer optional policies such as collision and comprehensive coverages.
Be warned the mandatory requirements are way too low for the average cost of serious injuries and financial loss from an automobile accident. All insurance agents recommend you purchase much higher levels of liability insurance.

Auto insurance companies also offer optional coverage such as medical payments, collision, comprehensive, and uninsured and underinsured motorist’s bodily injury coverage.

How your insurance rates are set in Texas is different than many other states. The rates are determined by the behavior and accident rates of all Texasn drivers. The cost of insuring Texas drivers’ including settlements and legal fees is totaled for the entire state and divide it up between everyone.

Of course these costs are not spread around evenly. The percentage of these costs that you are going to pay is determined by things like your driving record, your age, where you live, and the kind of car you drive.

Not all insurance companies compute their figures the same way so a driver with the same profile can land up with different rates depending on the insurance company. That’s why it is so important to get several quotes before purchasing insurance.

As mentioned previously liability is the most important element of your entire insurance policy. Make sure you purchase adequate liability insurance to protect your assets, because within a split second, the time it takes for an accident to occur, your life could be left in financial ruin if you are not adequately covered.

There are also other coverages you can buy such as collision, comprehensive, rental, and even towing and road side assistance. You will need to determine what your personal needs are.

When comparing insurance make sure you compare equal policies. Make sure the deductibles are the same, that the exemptions or fine print reads the same and that the liability is for the same amount. It is important to compare policies of equal quality to make sure your cheapest quote truly is your cheapest quote.

In less than a half hour you can have all the quotes you need and be on your way to buying cheap Texas auto insurance. Why waste time? Get busy!

By: Sher Matsen