Category Archives: Insurance Quote
State Farm Insurance
State Farm Insurance
The Beginnings
State Farm insurance began in 1922, the invention of a man named George J. Mecherle. Mecherle thought that he could come up with a better insurance company than the rest, offering better coverage and great rates. So he did. Something about Mecherle’s vision was right – more than eighty years later, State Farm Insurance is still going strong.
“In just over 80 years, State Farm Insurance Companies® has grown from a small farm mutual auto insurer to one of the world’s largest financial institutions. But despite State Farm’s growth, Mecherle’s original philosophy of insurance coverage at a fair price coupled with fair claim settlement has remained.”
State Farm web site, May 2006
State Farm, Today
With 25 operations centers in 13 zones, these days State Farm employs 79,200 people, including 16,700 plus agents. State Farm actively services 71.6 million insurance policies in the United States and Canada. Many awards have been received by State Farm for their equal opportunity employing methods, and for the number of jobs the company has created. State Farm strives to give back to the community, participating in many programs to further education and safety, including awarding grants and scholarships.
The Future of State Farm
“Our vision for the future is to be the customer’s first and best choice in the products and services we provide. We will continue to be the leader in the insurance industry and we will become a leader in the financial services arena. Our customers’ needs will determine our path. Our values will guide us.”
– State Farm web site, May 2006
What State Farm Offers
State Farm can take care of all your insurance needs. They offer most types of insurance coverage. All the usual suspects of auto, home, life, renter’s, and supplemental medical insurance are available through State Farm. Other insurance offerings include condo, long-term care, and Medicare supplement. The State Farm web site is very user-friendly and easy to use. Using the web site, consumers can obtain a quote on any type of policy named above, or find an agent, both within minutes. Answering a few quick questions will lead you to a free online quote, and a search feature makes finding an agent simple work.
You can also reach State Farm agents through online insurance quote web sites. This offers you the ability to compare rates from State Farm and from other independent agents or companies. Inquire with the site in question about the companies that will be providing a quote.
“State Farm’s mission is to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams.”
– State Farm web site, May 2006
Other Services
Not only does State Farm provide you with quality insurance, but the web site is a wealth of tools and information. A helpful learning center exists online for any who would like to learn more about retirement planning, college planning, savings strategies, prevention and safety, or life stages such as having a baby, marriage, or buying a home. There’s even a “kid’s stuff” section. Consumers can learn about reasons to have car insurance and what insurance policies do for you, and what they can mean in your life.
Trust
State Farm is truly one of the oldest names in insurance, and theirs is a name you can trust. If State Farm did not provide excellent customer service and satisfaction, there’s no way there would still be going strong. Often, it’s much cheaper to buy all your insurance plans through one carrier than through several different companies. State Farm can provide for all your insurance needs, without making you spend a fortune. Isn’t it better to use a company you know you can depend on?
Many Ways To Lower Your Car Insurance
Many Ways To Lower Your Car Insurance
Everyone who wants to drive on the road has to insure themselves, it’s the law and there’s nothing you can do about it unless you drive illegally. However there are ways by which you can save money and get the best deal possible when it comes to buying car insurance.
The first step to take when it comes to getting cheaper car insurance is to make sure you look around for the best deal and the best way to do this is by doing so online. By checking out car insurance online you have the advantage of being able to get almost instant quotes from a wide variety of insurance companies.
Remember that all companies are different and as such the prices quoted for your insurance can vary drastically from company to company. There are companies that offer cheaper car insurance if you are over a certain age, or sex and if you match this criteria then you are able to make great savings this way.
The type of car that you need to insure also goes a long way to determining how much the quote will be for the insurance. Cars are put into brackets considering how powerful the engine and while the latest model sports car might look cool the quote for your car insurance will be much higher than that of a more sedate family model.
The amount of excess which you pay on your policy will also determine how much the quote is for your car insurance. The more you are willing to pay then the less you are charged for your policy. Of course you should take into account the fact that the amount of excess is what you will have to pay before the insurance will pay out. This is of course the risk you have to take if you want to lower your car insurance payment.
All in all, the safer you can prove you are on the road then the more you save on your insurance. Taking advanced driving lessons can go a long way to proving this, along with this the amount of security features on your car counts. Installing security features such as having your registration etched on your windows and fitting the latest alarms go a long way to saving you money in the long run on your insurance.
The majority of insurers will give you the option of paying for your car insurance in instalments or for the year. In the majority of cases if you choose to pay up front for the year then you can get your insurance a tad cheaper.
Home Insurance Quote Online – What You Need To Know Before Shopping
Home Insurance Quote Online – What You Need To Know Before Shopping
The information that you receive when shopping for insurance online is only as good as the information that you input when you make your request. The homeowner insurance quote is relatively easy if you have the basic information needed to give you an accurate quote. The online quoting system will respond to your request very quickly once you input all the data. There are different types of homeowner policies for different types of homes. The residential home, the townhouse, and the condominium all require slightly different coverage. The age of the home also dictates the type of policy that you should purchase.
The online insurance calculators rely heavily on certain criteria when determining the actual rate. The actual square footage of your home is the starting point for most insurance companies. Square footage is used because home builders use it to estimate the cost to rebuild a house. You can find the accurate square footage on your home from the original house appraisal or plot plan. Once you have the square footage then you can add the upgrades like fireplaces, air conditioning, and finished basements. The online insurance calculators will often ask for a percentage of your total basement area that is finished.
There are several questions asked during online quoting about possible discounts. There is a protective device discount for having deadbolt locks, smoke detectors and a fire extinguisher. There are even larger discounts for burglar and fire alarm systems that ring directly into the police station and fire department. There will also be a variety of deductibles. It is wise to purchase the highest deductible that you can afford. Lower deductibles no longer justify the high premiums. Homeowner claims are too infrequent.
These are the basic things to look for when shopping. Use your insurance renewal declarations page if you are a comparison shopper. You will be able to move very quickly through the online quoting process if you have this information available.
What You Need To Know About Health Insurance & How Quotes Are Calculated
What You Need To Know About Health Insurance & How Quotes Are Calculated
We all hope to stay well and healthy all the time, but we all know that we are going to be sick or may even be unfortunate and have an accident at some point in our lives. We all have access to the state health services but if you want additional private cover then this is where taking out a private medical insurance comes in. This article explains about health insurance in general and how quotes are worked out in general.
Private medical insurance will cover the cost of your treatment when you are unwell, but the kind of cover and amount of the cover you get varies considerably from policy to policy.
Make sure that when you are considering which health insurance policy to take out that you carefully read the policy so that you can find out which illnesses you are covered for and which illnesses are not included in the policy cover. It can also be the case that your medical insurance policy may require you to use particular hospitals for your treatment.
So what are health insurance quotes calculated on? Well providers calculate your policy quote on several factors, the most important being your age, your health, your medical history, your occupation and they also look at whether you smoke or not. If you do smoke, then you are likely to get a more expensive medical insurance quote.
Some health insurance policies let you choose to have an excess which if you decide to have this option it will lower your insurance quote. Another important thing to take into account when taking out a private medical insurance policy is that no matter how much you decide to spend on your cover you will not get cover for certain illnesses. These illnesses include long term illnesses, alcohol abuse, AIDS, suicide attempts and illnesses that are related to old age.
It is very important that when you take out your cover that you advise your healthcare insurance company of everything that is relevant to your health insurance application. This means you must tell them about any pre-existing medical condition or illness that you may have and it is highly likely that they will not cover you for these pre-existing medical conditions or illnesses.
And finally it is worth mentioning that it is always a good idea that you shop around to find the most suitable and affordable private medical insurance solution for you.
How to Shop For Boat Insurance
How to Shop For Boat Insurance
If you have a boat, you need boat insurance!
Shopping for boat insurance is a bit different from shopping for car insurance, even though the concept is much the same. Boat insurance will protect you against losses incurred while operating your boat, and while transporting your boat. Most boat insurance includes coverage for the boat, the motor, and the trailer.
When shopping for boat insurance, it is usually best to start with the insurance company that insures your cars and your home. Insurance companies usually give deep discounts to their current customers. Most insurance companies will also give deep discounts to people who have successfully completed a boating safety course.
Ask each insurance company that you contact about such discounts. In most cases, they won’t tell you about the discounts unless you specifically ask.
Don’t settle for the rate that your current insurance company quotes! Just get the quote, and tell them you will call them back soon. Using that quote as your base, you need to see if you can get the insurance cheaper elsewhere.
Using online resources is a great way to start. Get the quotes, and then contact the agents personally to see if you can work out a better deal. Believe it or not, insurance companies will compete with each other for your business. Don’t be afraid to tell them the lowest quote that you have been given so far – make them work for your business!
Know what type of insurance you want and need before contacting any agents. Some agents will try to sell you too much insurance, causing your premiums to skyrocket, while others aren’t as knowledgeable about the insurance needs of boat owners and won’t sell you enough coverage!
You should be protected against losses caused by sinking, fire, storms, theft, capsizing, stranding, collision, and explosion. The policy should cover anchors, oars, trolling motors, fuel tanks, seat cushions, skis, tow ropes, dinghies, tools, canopies, life preservers, and any equipment that is permanently attached to the boat.
The different types of insurance that you need include Watercraft Liability, Watercraft medical payments, Newly acquired watercraft coverage, coverage for repairs, coverage for emergency services, and coverage for wreck removal. In most states, the liability coverage entails Watercraft Liability and Watercraft Medical Payments.
Watercraft liability will protect you in the event of an accident that results from the ownership, maintenance, or use of your boat. It should include bodily injury coverage, property damage coverage, and even legal defense coverage. It should also protect anyone who drives your boat, as long as they were legally allowed to drive the vessel.
Watercraft Medical payments coverage will pay medical expenses up to specific limits for you and the occupants of your boat in the even of an accident.
Other types of coverage are usually voluntary, but should be strongly considered. There is quite a bit that can happen when you transport or operate a water vessel, and protecting yourself legally should be a high priority!
Again, know what you want in terms of coverage before you talk to an agent, and make sure that you get the coverage that you need.
Compare rates online, and then contact the agents that offer you the lowest quotes. Attend a boating safety course, and make sure that you get that discount! Once you’ve found lower rates than the original quote that your current insurance company offered you, call them back and let them know that you found a lower rate. See if they can compete – in many cases they will offer to match that rate, just to keep your business! Again – make them work for your business!
CopyRight Ian D. Major 2005.
How To Compare Low Cost Car Insurance In Washington
How To Compare Low Cost Car Insurance In Washington
Comparison shopping is something most of us do on a daily basis. Whether we’re looking for a deal on a certain grocery item or we shop around for a jacket, we’re in search of the best bargain for our dollar. The same should happen when it comes to car insurance shopping. With over sixty different auto insurance companies headquartered in Washington State, the residents can certainly do more than just a little price checking.
Getting car insurance quotes can be an uncomfortable undertaking. Not only are you expected to hand over some personal information to an insurance agent, but in most cases you’ve got to give them your contact information as well. For anyone who has gone through this process, they can verify that once an agent has your number, he or she is likely to put it to good use trying to contact you to secure a policy with them.
The best and easiest approach is to utilize the free quote function found on many websites. Many of the Washington based auto insurance companies allow you to inquire about a free quote online. Although you’ll still be providing your contact information you can also suggest a time for them to contact you. By the time they do call, they should have an idea of what a policy will cost you based on the information you provided, including your make and model of car, how long you’ve been driving and how much you actually drive the car per month.
Ensure that when you do ask for multiple quotes that you request the same coverage information each time. Policies vary from insurer to insurer but if you know what you need, and you ask for a quote solely based on that, you’ll have a base at which to start your comparisons. Remember that although price is really important, the reliability and reputation of the insurance company matters too.