Imagine what life would be like in Bedrock U.S.A. with Fred, Wilma, Barney, and Betty. Just about everything ends with “saurous” and it is quite the norm to own a dinosaur-dog hybrid thing as a pet. Limestone and animal skins are all the rage, and having your car’s brakes checked out would require a podiatrist instead of a mechanic. Not to mention, getting an auto insurance quote in writing gives new meaning to being set in stone.

Fast forward to this century where your feet get a break from being the brakes and can go back to modeling Reeboks, Uggs, and Minolo Blaniks. Windows, seats, sun roofs, and even steering wheels are all adjustable at the press of a button. And getting an auto insurance quote does not take a chisel and hammer. You can do this online, over the phone, or in person at the agent’s office.

Looking Past The Cover

For some people, shopping for car insurance quotes can be a rather daunting task. This is partially due to the negative stereotypes insurance companies and salespeople have received in past years. They were seen as multi-million dollar sharks seeking to devour and hoard all of your money. Auto insurance was also viewed as unnecessary. What are the chances of being involved in an accident? There were few new customers who were interested in checking out car insurance quotes.

Luckily times have changed. Insurance companies are even more focused on being customer friendly than before. More and more in the auto insurance industry are offering good driver incentives, not only as a reward to their current customers but also to attract new drivers. Geico is just one of the companies that is striving to be there when they are most needed; if you are involved in an auto accident, you can expect someone to be there to assist you.

Progressive has been the front runner when it comes to innovative ideas and changes to how auto insurance is done; call or log into their web site for an auto insurance quote and you will also get the rates of up to five other leading insurance companies. The kicker? Progressive is not always the lowest. This is a whole new standard in customer service.

Before you makes any phone calls or online inquiries, make sure you have all the relevant information the agent will need to give you the most accurate auto insurance quote. What do you need?

- The names of everyone who will be on the policy (if more than just yourself)

- Birthdates and current ages of all those on the policy

- The driver’s license numbers, including the state code where it was issued and the expiration date of all to be on the policy.



By: John Hilaire

Auto Insurance

Auto insurance is a contract with an insurance company that helps to protect you against severe financial loss if you are ever in an auto accident Auto insurance is required to protect yourself from road and auto accidents and may include losses for liability, medical payments and any physical damage resulting from the accident. The coverage of a personal auto policy includes the insured, his family members, friends and associates that may borrow the car.

Automobile insurance includes vehicles like cars and bikes and is available for everybody. Most states have laws that require basic auto insurance coverage for every driver. Only some states ask that you display financial responsibility. If you are involved in an auto accident or stopped by a police officer and found to be driving without car insurance or proof of financial responsibility, you will have to pay a fine or specific to the laws of your state which may also include loss of driving privileges. The financial responsibility law states that you have to demonstrate having sufficient assets to settle any judgments against you which may arise out of an auto accident. If you are uninsured and in an auto accident that involves property damage or injuries to people, you will be required to pay for any damages assessed by a court.

However, having automobile insurance does not prevent a person from suing you. It does assure that the financial and legal resources of the insurance company will assist you in defending the suit and paying for the damages in the case of an automobile accident.

Since most states require auto insurance from all drivers, the states have assigned risk plans to assure coverage. The plans vary from state to state, but assigned risk policies are usually expensive, because a bad driving record makes you a bad risk for any insurer. Most auto insurance policies are non-assessable. If you do have an assessable policy, you can be assessed an extra amount if your insurance company has had an extraordinary amount of car accidents that year.

Auto insurance rates have fallen considerably across the U.S. in the last two years. The reasons contributing to this decline are:

Safer cars

Falling crime rates

Stringent drunk driving laws

Increased competition among insurance companies

Ageing of the population

With a growing need for auto insurance, many insurance companies now offer specific auto insurance deals tailored to the consumer.

By: William Brister

Car Insurance Phoenix

You are at-fault in a minor auto accident. Your vehicle was hardly damaged but the other vehicle had slightly more damage. The insurance adjuster gets involved and assesses the damage. Your vehicle’s damage is less than your deductible, so you plan on paying for your repairs yourself. You also discover the total damage to fix the other vehicle is less than $1200.

After visiting with your agent you find out the at-fault accident will cause your premium to increase by $1600 over the next three years. What do you do?

If your insurance company allows you to re-pay their out of pocket, should you? Some insurance companies allow this practice. Pay $1200 now or pay $1600 over three years in additional premium. What if you have a 2nd at-fault accident? Surely your premium will jump considerably at that point.

It is a nice option to have and consider. The option to repay does not keep the accident off your record, but does keep your premium from being surcharged.

Not all insurance companies allow this practice but under the right circumstances it can be a terrific decision, especially if you have teenage drivers in the household. The odds of a teen driver having an accident is substantially greater than the rest of the population.

Did you know a Good Student Discount can lower your auto premiums by up to 20%? If you are the proud parent of a teen driver, you should have your son or daughter visit with your agent and review their premium and what would happen with their rate in the event of an at-fault accident. Surcharges on teen auto policies can cause huge increases in premiums. Teach your teen to avoid tail-gating and to drive at a speed in which they are comfortable. Neglecting those two rules increases the likelihood of an accident.

By: Gary Brown