Auto Insurance

Shopping for Auto Insurance

 

Call the number below to get a Free Quote:

(888) 475-8259

Whether you have your car already or you are still shopping for the best option, it is definitely important to shop for auto insurance too. Right about now though, there are a thousand and one questions running through your head, right? Questions like…

  1. How much will it cost me?
  2. What coverage do I need?
  3. How I can I save money?
  4. Can I trust auto insurance policies I find online?
  5. Is there any aspect about auto insurance that I don’t know about?

If these questions sound really familiar to you, then read on. In this article, we will talk about the basics and the most important aspects of shopping for auto insurance or GAP Insurance. We will answer each of the five questions above and other issues about car insurance to help you make an informed decision.

How Much Will Auto Insurance Cost Me?

Before you can even start to plan your insurance budget, there are two things that you need to sort out first: your needs and your wants. After you’ve made your list, then, you can start planning out a budget for your new insurance policy.

The truth is, it is impossible to give an exact or definite figure on how much a policy will cost you. It depends on a number of factors (e.g. car model, sex, age, driving record, your location, coverage, and insurance provider). Here’s a general rule though, the more “low risk” you are, the less you will have to pay for insurance.

But according to the National Association of Insurance Commissioners 2009 data, the average auto insurance cost is around $785/year in the US.

What Type of Coverage Do I Need to Look for?

Just like in any type of insurance, you get what you pay for. Now, the best way to know that you get the best deal is to look for the different types of auto insurance coverage and just pick those that you think you would need.

For example, if you already have medical insurance, then you can go away with a medical payments coverage add-on to your auto-insurance plan. If you tend to drive long distances and don’t know a lot of about fixing cars in case of a breakdown, you should look for a plan that would cover emergency road services.

How Can I Save Money from Auto Insurances?

Since most insurance companies calculate auto insurance costs based on similar factors, here are some tips to get lower premiums:

  • Ask for discounts
  • Choose your deductible
  • Don’t add “extras” that aren’t needed
  • Learn about your vehicle’s safety ratings
  • Keep your driving record clean
  • Get your credit score up

Are Online Auto Insurance Policies Safe?

If there’s something that we could all agree on about the Internet, it is that it is a double-edged sword. So can you trust auto insurance policies you find online? Yes and no.

It is important to do your research first when you are shopping for car insurance and here is where the World Wide Web would come in handy. You should look for companies that serve your area and ask them your questions.

Read reviews and whether it is via phone call or an actual meet-up, make sure to transact with a knowledgeable company representative.

What Else Should I Know about Auto Insurance?

Well, there’s a lot to know about auto insurance! Whether it is your first, twelfth, or hundredth car, there’s always more to learn about auto insurance and shopping for the right one. There are many different types of auto insurance and a lot more insurance providers to choose from.

The key is to ask questions and be skeptical of the answers. Nowadays, anything can go wrong on the road and it would help if you are certain that you are 100% protected.

Talk to a licensed auto insurance agent and find out how they could help you find the perfect fit.

Call the number below to get a Free Quote:

(888) 475-8259

More Information on 3 of the Largest Auto Insurers

Government Employees Insurance Company (GEICO)

Based in Maryland, GEICO is one of the largest auto insurance company in the country. It is available in 50 states and is known for its “15 minutes could save you 15%” slogan. Aside from auto insurance, this company also offers insurance for motorcycles, ATV, homeowners, renters, condominiums,  co-op, RV, life, boat, flood, and many more. Aside from the usual coverages, GEICO also offers add-ons like emergency road services, rental reimbursement, and mechanical breakdown insurance.

Progressive Corporation

Progressive Auto Insurance offers different coverages and a promise of a “quote in about six minutes” for online customers. Progressive also offers free policy reviews, loyalty rewards, free glass repairs, and flexible payment options. The company is based in Ohio, available in 42 states, and currently has over 10 million policies in the country.

State Farm Insurance

The State Farm Insurance company, based in Illinois, is also one of the big names of auto insurance both in the US and Canada. State Farm is known for its auto insurance coverages: auto liability (bodily and property damage), personal injury protection, medical payments, collision, comprehensive, uninsured motorists, underinsured motorist, rental reimbursement, and emergency road service.

Renters Alarm

A Home Security System Protects Your Family

Statistics show that a home gets burglarized every 15.4 seconds and that the average loss from each burglary is close to $2000. There is a big chance that you will never be part of that number. But the chances of it being true for you are definitely much higher. In this day and age, being prepared and safe trumps anything else a hundred fold.

Please call for a Free Quote: (888) 203-0972

A home security system is definitely a good option to be sure that you and your family is 100% protected at all times. Here is a list of benefits of a good and reliable home security system:

  • Security from break-ins
  • Loss of property is prevented
  • Safeguarding life (some burglars do harm homeowners)
  • Can also detect fires and carbon monoxide
  • Discounts from home insurance companies
  • Increased home market value
  • Lesser stress about protecting your family
  • Fast response from authorities in case of emergency
  • Criminals will think twice about attacking your home

At the end of the day, we all want to go home, relax, have fun with the family, and leave all the stress of everyday life out of the house. Feeling secure in your home is incomparable.

What is a Home Alarm System Anyway?

A home alarm system, sometimes called “Burglar Alarm,” is a system that is designed to alert a person if there is an unauthorized entry in the home.

A system like this is made up of sensors that detect any motion, vibration, or microwaves. Aside from that, a home alarm system can also be used for fire protection since it can detect smoke and increased carbon monoxide in an area.

If you want to know more about home alarm systems, check out this site.

The Different Types of Home Security System

The truth is, there are easily about 20 types of home alarm systems. It can be categorized in technologies used, specialties, and even the type of house it will be used at (apartments, townhouses, condos, etc.)

Because of that, I have listed here some questions that you should ask yourself (or your agent) before you choose what type of alarm system to install in your home:

  1. How much am I willing to spend on the alarm?
  2. How do I want to be informed that there is a possible intrusion? (bells only, flashing lights, vibration, etc.)
  3. Do I want a CCTV camera installed too?
  4. How many entryways (windows and doors) do I have that needs protection?
  5. Will I, and the rest of the family, easily figure out how to activate and deactivate a security system?
  6. Do I have the time to install the system myself or should I hire a professional?

Choosing the right type of alarm can be stressful. If you want more details, check out this resource.

Other Things to Remember

A home alarm system exists to protect you so it is very important to choose the provider wisely. Do not automatically go with the cheapest or most convenient options. Shop around- ask for recommendations from friends and colleagues.

Please call for a Free Quote: (888) 203-0972

Whether you are just leasing a home or you own it for decades already, you can never go wrong with adding another line of defense for your home. Start your search for the best home security system today.

Progressive Auto Insurance

Shopping for Auto Insurance

 

Call the number below to get a Free Quote:

(888) 475-8259

Whether you have your car already or you are still shopping for the best option, it is definitely important to shop for auto insurance too. Right about now though, there are a thousand and one questions running through your head, right? Questions like…

  1. How much will it cost me?
  2. What coverage do I need?
  3. How I can I save money?
  4. Can I trust auto insurance policies I find online?
  5. Is there any aspect about auto insurance that I don’t know about?

If these questions sound really familiar to you, then read on. In this article, we will talk about the basics and the most important aspects of shopping for auto insurance or GAP Insurance. We will answer each of the five questions above and other issues about car insurance to help you make an informed decision.

How Much Will Auto Insurance Cost Me?

Before you can even start to plan your insurance budget, there are two things that you need to sort out first: your needs and your wants. After you’ve made your list, then, you can start planning out a budget for your new insurance policy.

The truth is, it is impossible to give an exact or definite figure on how much a policy will cost you. It depends on a number of factors (e.g. car model, sex, age, driving record, your location, coverage, and insurance provider). Here’s a general rule though, the more “low risk” you are, the less you will have to pay for insurance.

But according to the National Association of Insurance Commissioners 2009 data, the average auto insurance cost is around $785/year in the US.

What Type of Coverage Do I Need to Look for?

Just like in any type of insurance, you get what you pay for. Now, the best way to know that you get the best deal is to look for the different types of auto insurance coverage and just pick those that you think you would need.

For example, if you already have medical insurance, then you can go away with a medical payments coverage add-on to your auto-insurance plan. If you tend to drive long distances and don’t know a lot of about fixing cars in case of a breakdown, you should look for a plan that would cover emergency road services.

How Can I Save Money from Auto Insurances?

Since most insurance companies calculate auto insurance costs based on similar factors, here are some tips to get lower premiums:

  • Ask for discounts
  • Choose your deductible
  • Don’t add “extras” that aren’t needed
  • Learn about your vehicle’s safety ratings
  • Keep your driving record clean
  • Get your credit score up

Are Online Auto Insurance Policies Safe?

If there’s something that we could all agree on about the Internet, it is that it is a double-edged sword. So can you trust auto insurance policies you find online? Yes and no.

It is important to do your research first when you are shopping for car insurance and here is where the World Wide Web would come in handy. You should look for companies that serve your area and ask them your questions.

Read reviews and whether it is via phone call or an actual meet-up, make sure to transact with a knowledgeable company representative.

What Else Should I Know about Auto Insurance?

Well, there’s a lot to know about auto insurance! Whether it is your first, twelfth, or hundredth car, there’s always more to learn about auto insurance and shopping for the right one. There are many different types of auto insurance and a lot more insurance providers to choose from.

The key is to ask questions and be skeptical of the answers. Nowadays, anything can go wrong on the road and it would help if you are certain that you are 100% protected.

Talk to a licensed auto insurance agent and find out how they could help you find the perfect fit.

Call the number below to get a Free Quote:

(888) 475-8259

More Information on 3 of the Largest Auto Insurers

Government Employees Insurance Company (GEICO)

Based in Maryland, GEICO is one of the largest auto insurance company in the country. It is available in 50 states and is known for its “15 minutes could save you 15%” slogan. Aside from auto insurance, this company also offers insurance for motorcycles, ATV, homeowners, renters, condominiums,  co-op, RV, life, boat, flood, and many more. Aside from the usual coverages, GEICO also offers add-ons like emergency road services, rental reimbursement, and mechanical breakdown insurance.

Progressive Corporation

Progressive Auto Insurance offers different coverages and a promise of a “quote in about six minutes” for online customers. Progressive also offers free policy reviews, loyalty rewards, free glass repairs, and flexible payment options. The company is based in Ohio, available in 42 states, and currently has over 10 million policies in the country.

State Farm Insurance

The State Farm Insurance company, based in Illinois, is also one of the big names of auto insurance both in the US and Canada. State Farm is known for its auto insurance coverages: auto liability (bodily and property damage), personal injury protection, medical payments, collision, comprehensive, uninsured motorists, underinsured motorist, rental reimbursement, and emergency road service.