Category Archives: Insurance Quote
How To Compare Low Cost Car Insurance In Oregon
How To Compare Low Cost Car Insurance In Oregon
Everyone wants to save money on their car insurance, Oregon drivers possibly more than most other drivers. The reason for that is that Oregon drivers pay some of the highest car insurance rates in the country.
If your car is being financed by a bank or other financial institution you may have only limited choices when it comes to comparing low cost auto insurance, but by comparing the rates offered by a variety of companies you can still save money – the rates offered for the same policy by different companies can vary by several hundred dollars a year, so taking the time to make the comparison can really pay off.
Start by writing down how much of a deductible you can afford to pay in case you have a claim, and what coverage amounts you will need based on the age of your car, and the area where you live. If you live and drive in an area with a lot of new and very high-priced cars you may wish to take out higher Collision limits than you would if you normally drive in an area where most people drive older models. If your car is over 5 years old consider taking out the lowest amount of Comprehensive coverage offered – or even dropping comprehensive coverage altogether.
Once you know what coverage amounts you are comfortable with, get online and find one of the many sites that allow you to quickly and easily compare auto insurance policies and premium costs.
Be prepared to answer quite a few questions, including questions on your driving history (accidents and tickets within the past 5 years) and even questions on your credit history before you can get your quote comparisons.
Consider the time spent getting rate quote comparisons as an investment in lowering your future car insurance premiums – the more of an investment you make today, the greater your savings will be for years to come.
Obtaining a Free Car Insurance Quote
Obtaining a Free Car Insurance Quote
Insurance is one of those things that we all need to protect us from the unforeseen. When it comes to obtaining coverage for our vehicles many of tend to find one insurer and stick with them. However, smart consumers know that by being a comparison shopper when it comes to obtaining coverage can significantly reduce their monthly premiums. Many insurers have made being a smart consumer easy by offering the ability to get a free car insurance quote directly through your computer.
One of the largest insurance companies out there that focuses most of its marketing efforts and sales online is Progress Auto Insurance. They are unique in that they not only will give you their rates, but also provide rates from competing companies. Many times they are the lowest, but on occasion other companies can beat their rates and they actually encourage you to use the other guy if they can’t match or beat the competition! Talk about customer service!
Of course, there are hundreds of insurers you could use. Since you probably don’t want to spend days or weeks online or on the phone getting quotes it is best to narrow your selection down to about 10 companies and go from there. Remember, the reputation of the company is as important as the rate you receive – you want an insurance company that will be there for you, not just one that collects the premiums and then disappears into the night when you need to file a claim.
Once you find an insurer with a good rate you might want to do a little background research on them online by seeing what others are saying. How is their customer service? What about claims handling? Do they offer low rates at first and then raise them significantly when it comes time for renewal?
Being a smart consumer means you will be able to find the best deal to meet your insurance needs while making sure you have a reputable company to stand behind you if you are ever involved in an accident.
The Ash Brokerage Insurance Agency
The Ash Brokerage Insurance Agency
Since its founding in Fort Wayne, Indiana in 1971, Jim Ash’s Ash Brokerage has been aspiring to become the premier outsourcing insurance brokerage partner with needing insurance agents, financial advisors, registered representatives, and career agents. And Ash Brokerage did surmount the challenge of becoming not just one of the prevailing firms but also being among the best ones in the field.
In its 35 years of experience, the Ash Brokerage insurance brokerage agency has expanded to a nationwide insurance partner trustee to over 75 insurance carriers, with its over a hundred insurance professional networks all throughout the United States investigating, analyzing, and comparing insurance products across the country to ensure that the insurance broker’s client has all the product that is right for them. It has been offering first rate service, competitive compensation and access to quality carriers and products, while also enhancing their customer’s insurance practice by offering innovative concepts and marketing ideas that produce further sales for their benefit.
In addition, throughout their years of indemnity underwriting, the Ash Brokerage agency has been developing its own Underwriting Assessment Tools that accurately gathers all the necessary medical information about the insurance brokers’ clients to assist them in their underwriting process. Ash Brokerage has been proving the tools for their agents and producers such as life insurance quotes specifically the Advanced Terms Quote, the Term Life Quote, and the all new Vital Term (wherein term carriers are compared, and then instant term quotes are given accurately, reliably, and flexibly), and also annuity rates information, carrier watch list, and illustration software updates, as well as an online contracting called ACE or the Ash Contracting Express, which allows its patrons to perform online all contracting requests with carriers, doing well in turning things out more completely and conveniently. And not only that, Ash Brokerage is also offering access to the LIMRA / NAILBA Anti- Money Laundering Training as one of their sought after added services.
All the same, Ash Brokerage best of all runs under the commitment to practice ‘service and relationships’, finding out their brokers and client’s needs and then meeting them without giving them an extra weight of an imposed service model. The Ash Brokerage agency is proud in building a plan around their patrons’ business features, by providing a custom website, preferred communication methods, and documented service expectations, all in order to reach and then serve their customers better.
Emergency Medical Evacuation Coverage – Does your HMO or PPO offer this?
Emergency Medical Evacuation Coverage – Does your HMO or PPO offer this?
Travelers insurance may be the only way for most Americans to insure they are fully protected in case of emergency medical evacuation while traveling abroad, because for 70 percent of these U.S. resident HMO and PPO medical insurance plans do not cover such an event.
Some travelers’ insurance plans offer transportation to a safe location during emergency medical evacuation but do not offer medical insurance for the duration. Others offer both.
One travelers insurance site that we looked at, for example, offers travelers insurance for medical emergency evacuation, for a single person, a couple, or a family, for a designated time period of three, six or 12 months. Online you can get a quote instantly and can purchase the travelers insurance. While this company was clear that it offered no medical coverage it did link to other travelers insurance providers that did so.
One offered trip insurance – in other words, for one designated trip – that provided trip delay, interruption or cancellation insurance, protection against lost or delayed baggage, traveler assistance as well as missed connection travelers insurance coverage.
The trip insurance site asked your departure and return dates, the number of people traveling in your party, the age of each, the cost of the trip for each and whether you are a U.S. resident. We indicated two U.S. residents would be traveling, one 55 years old, the other 56, and each was spending 00 for the trips. The results: nine different travelers’ insurance firms offered plans ranging in price from 6 to 3 per person. Three of these offered additional flight insurance – one for 0,000, the others ranging between 0,000 and million. One also offered rental car insurance for a day.
If you’d prefer travelers insurance that covers more than one trip, the site offers a quote on this as well. Here you indicate your citizenship, your residency, and the state in which you reside if in the U.S. You can choose domestic travelers insurance coverage or international coverage that does or does not include U.S. travel. You can choose coverage from ,000 to million. You indicate the dates of travelers’ insurance coverage, your age, the age of your spouse if applicable, and the number of children under 18. The travelers insurance firms displayed in the results now allow you to choose deductible and then offer you their firms’ quotes as well as a handy comparison chart.
Clearly, you’ll find a variety of affordable travelers’ insurance options, including emergency medical evacuation coverage, when you decide to travel overseas.
How To Compare Low Cost Automobile Insurance In Washington
How To Compare Low Cost Automobile Insurance In Washington
If you live in Washington State you’ve likely heard of the 25/50/10 coverage. This is reflective of the minimum amount of liability coverage you are mandated to have under state law. Most individuals see the value in having more but it comes at a cost. Finding the best insurance at the lowest price possible is the primary goal of any motorist.
Some tips that may prove fruitful when it comes to comparing insurance policies are:
•If a company gives you a quote that is well below any else, do some research. It’s important to check to ensure that the agent and the auto insurance company are licensed to do business in the State of Washington. You don’t want to get involved with a company that is operating illegitimately.
•Stick to your guns when asking for quotes. Many agents are very persuasive and will try and convince you that you need additional coverage. Ask for a quote for a specific amount of coverage from each agent and don’t be swayed.
•Ask about the accident procedure. Some insurance companies that offer low rates don’t offer the much needed support required after an accident. This can be a highly traumatic time for the policy holder, so you’ll want an agent who will be there for you.
•Inquire about having your policy renewed yearly as opposed to every six months. This can help by locking in a lower rate for a longer period of time.
Even though price is almost always the bottom line, the service provided comes a close second when it comes to automobile insurance. When asking for quotes take note of how the agent pays attention to your questions and requests. This can often be a good indicator of the type of service you’ll receive in the future.
A Lady Gets A Cheap Car Insurance Quote?
A Lady Gets A Cheap Car Insurance Quote?
Yes, it is true – well, in most cases. Many lady drivers are able to get cheaper car insurance quotes than men drivers. Are men drivers cursed by their gender? Perhaps not. They just need to know the secrets of lady drivers.
Buy a safe vehicle. Safe vehicles get cheaper car insurance quotes than vehicles considered unsafe, and safety does not only include seatbelts, air bags, and child proof locks. A safe vehicle will also include anti-theft devices.
Buy a modest vehicle. Modest vehicles are less likely to be stolen, and vehicles that are less likely to be stolen are less like to be expensive to insure. You don’t have to buy a minivan to get a cheap car insurance quote, but buying a Jaguar isn’t going to work in your favor.
Be good to your vehicle. Being good to your vehicle means not putting your vehicle in situations where it can become damaged or stolen. Drive like you have some since – do not push its limits. Park your vehicle in a garage when it is not in use. If you do not have a garage, find out about renting garage space in your area – if you have one within walking distance, or installing a bright outdoor light near where your vehicle is parked.
Drive responsibly. Driving responsibly includes driving the speed limit, obeying road signs and traffic lights, and following the general “rules of the road” altogether. When you drive responsibly, you avoid traffic citations and car accidents, and when you do not have these kinds of blemishes on your driving record, car insurance companies see you as a responsible driver. Your efforts do not go unnoticed. Responsible drivers with clean driving records get cheaper car insurance quotes.
Grow up. Alright, maybe “grow up” would be better phrased “grow older.” The older and more experienced a driver gets, the lower the car insurance quotes and rates become – regardless of gender.