Vehicle Insurance Information

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Insurance - what do you need?

 

Why do you need it? What should you look for in insurance? Insurance is one of our unique purchases. Everyone buys it, and then we all hope we don't have to use it. But if you don't have it, you will be at significant financial and personal risk, and can even lose your driver's license.

Every state has its own requirements -- and penalties for not having insurance. There are different limits of coverage required in your limits of liability insurance -- they also vary from state to state.

If you have financed your vehicle, other coverage's might be required by your lenders. Some lenders do not allow deductibles you choose - they may cap it at a certain amount.

Check with your lender to make sure you know what their maximum deductibles are. Then when you are shopping you can compare what a deductible can actually save you. Maybe the difference is not big enough to take the extra risk of paying a larger amount out of your pocket.

Some people go through their entire lives never needing to use the insurance they purchased year after year. In those cases, it seemed a waste of money. But accidents do happen, and when they happen, insurance is what will keep us financially sound.

 

Where do you get insurance?

 

These days you can obtain insurance from companies directly -- by phone, in person, and online. There was a time before the Internet you would have to visit insurance brokers, who are the people that can write insurance policies.

 

Shop online, phone, in-person - what is best?

 

Click for NetQuote InsuranceShopping online for our vehicle insurance cuts out the middle man, and obtaining your insurance policy online is the best way to find the overall best arrangements and cost on your vehicle insurance.

When you shop online for vehicle insurance you are able to view quotes from multiple companies quickly and easily and in great detail. Then you can print out your results so you have a paper copy that you can review.

Vehicle insurance in every class is a very competitive industry. Every company online is highly competitive and it's easy to compare different coverage, benefits, and price.

 

Insurance quotes?

 

Click for eSurance InsuranceInsurance quotes you receive from the companies can be obtained from talking with a person on the phone - or online.

 

If you are online, most of the companies give estimates based on how you answer certain questions. Ensure you get the most accurate quotes - it's important to answer questions to the closest facts you know to be true.

Make sure to be as complete as possible in your answers.

Make sure to company at least five different companies. Especially make sure that what your limits of coverage's are are the same -- otherwise, if you get a lower price, but your coverage's are less, then you did not get a better arrangements. You paid less, and got less.

 

What are types of insurance?

 

Different kinds of insurance you should and could have, or want.

Liability:

Liability is the insurance that covers the other person that you may be in an accident with, as well as what property they have that you might damage. Different states have different lays, so states have no-fault insurance. Check state laws in your state to see what you need to have.

Collision:

Collision insurance is what covers your vehicle in the case of an accident where you or another person are driving your vehicle.

Comprehensive:

Comprehensive insurance is the insurance that covers your vehicle if something else damages your vehicle, like a tree falls, a rock hits your vehicle, vandalism, hit-and-run for an examples.

Hail damage, and just about every other type of damage that could happen to your vehicle that is not related to you being in an accident driving usually falls under your comprehensive insurance coverage.

Other Insurances: Make a decision if and what the other coverage's are that are important to you. Coverage's like Rental Car Coverage, Towing, and what deductibles you can afford.

These factors will change what your total cost for insurance is -- and they also determine if you are in an accident or have a break down, how much you will have to pay out of your pocket.

 

Difference in a Broker and an Agent?

 

Brokers are the ones that are licensed by states to operate an insurance agency - as they are required in most states to have special training and regulated by state and federal government.

Brokers are also responsible for hiring and training the auto insurance agents that staff most agency offices. The Brokers are also typically licensed by the state, and have more knowledge and experience than the agents that work under their brokers license.

Agents work for a broker, and the broker is responsible for their truth and ethics in doing business with the public. Using an agent versus purchasing your insurance from the brokers agent does not generate savings.

The role of the brokers and agents are to go over what you need, explain what is available, and most of all how you can get everything you need for the lowest price.

The only case where dealing with the broker could save you is because the broker has more experience, and can possibly make recommendations to you based from their vast experience.

 

Can insurance brokers save you money?

 

They can save you money, but in our opinion no one can save you more than you yourself can. Today, you can shop online for your car, truck, motorcycle, boat and RV insurance. It is easy online.

Not all insurance companies are up to the technology to yet be online. Most major insurance companies are -- and many of them even give you comparisons of how their rates compare to other insurance companies, and what they save you.

 

Other things you might consider ...

 

Covering the vehicle replacement cost is almost always small compared to what you will pay for liability insurance. Your liability insurance cost will be affected by your age and driving record, as well as what the vehicle you are driving is as far as vehicle class goes.

For example, sports cars are a higher cost than economy cars. Sports cars have a higher rate of being involved in accidents. Larger cars usually have lower injury rates than smaller vehicles.

The history of injuries as well as the percentage of vehicles in accidents can impact your rates also.

If you have a lot of points or accidents on your driving record, you will also pay more than a driver who has a clean driving record. Younger people usually have a higher rate, and in some aspects male and females rates will vary.

 

What to look for ...

 

Whether a driver is seeking auto insurance for the first time or is considering switching to a more affordable auto insurance, numerous auto insurance companies are competing to win over new customers. Particularly on the Internet, auto insurance is easy to find. However, you must fully understand what to look for and make sure you compare exact coverage's, line item by line item, to determine the right insurance company choice.

 

Finding the best price

 

The first thing on a person’s mind is typically how much the auto insurance will cost. However, there is no set price or flat fee for auto insurance. Prices vary widely depending on a variety of factors including coverage's, deductibles, and payment limits selected.

You should shop around for auto insurance in a variety of places. You should obtain several price quotes from competing auto insurance companies. You should not go by price alone, but also by a strong customer service rating and a range of coverage's and discounts.

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COMPANY


PHONE #


CHECK


Listed By Insurance Company Name


21st Century Insurance Co.

1-877-310-5687
A. Central Insurance Co.
1-866-222-2242

Contact

AAA Insurance - Locations
1-800-225-5222

Contact

Allstate Insurance Company
1-877-925-0003

Contact

Amica Insurance Company
1-800-245-5433

Contact

Arrowhead Insurance Group
1-800-669-1889

Contact

Auto Owners Insurance Co.
1-517-323-1200

Contact

Capitol One Auto Finance
1-800-946-0332

Contact

Chubb Group Insurance Co.
1-866-324-8222

Contact

Concord Group Insurance
1-800-852-3380

Contact

Country Financial Insurance
1-888-211-2555

Contact

Esurance Insurance Company
1-800-378-7262

Contact

Encompass Insurance Co.

Contact

Farmers Insurance Group
1-800-327-6377

Contact

Farmers Ins Group Of Wash
1-800-327-6377

Contact

Fireman's Fund Insurance Co.
1-800-227-1700

Contact

Geico Insurance Company
1-800-861-8380

Contact

GMAC Insurance Company
1-800-462-2123

Contact

Hagerty Collector Car Insurers
1-800-922-4050

Contact

Infinity Insurance Company
1-800-782-1020
Infinity Property & Casualty
1-800-782-1020

Contact

Kentucky Farm Bureau Ins
1-800-206-6887

Contact

Liberty Mutual Ins Company
1-617-357-8500

Contact

Merchant's Insurance Group
1-800-462-1077

Contact

Mercury Insurance Group
1-800-503-3724

Contact

Meritplan Insurance Company
1-888-700-5324

Contact

Nationwide Insurance Company
1-800-421-3535

Contact

Penn National Insurance Co.
1-800-388-4764

Contact

Progressive Insurance Company
1-800-776-4737

Contact

Safe Auto Insurance Company
1-800-723-3288

Contact

Safe Auto Insurance Co.
1-800-723-3288

Contact

Safeco Insurance Company
1-800-332-3226

Contact

Safeway Insurance Company
1-800-273-0300

Contact

Sentry Insurance Company
1-800-373-6879

Contact

Shelter Insurance Company
1-800-743-5837

Contact

State Farm Insurance Co.

Contact

The Hartford Insurance Co.
1-888-808-5254

Contact

The Traveler's Insurance Co.
1-888-695-4625

Contact

Unitrin Kemper Insurance Co.
1-888-252-2799

Contact

USAA Military Insurance Co.
1-800-531-8722

Contact

Westfield Insurance Company

1-800-283-2422

Contact


Listed By State Insurance Company Is Located In



AL
Alfa Mutual General Ins Co.



1-800-964-2532



Contact


AZ
Hallmark Group Insurance


1-817-348-1600



Contact


CT
AAA Allied Group Hartford


1-800-445-0659



Contact


IA
Allied P & C Insurance Co.


1-800-532-1436



Contact


KY
Kentucky Farm Bureau Ins


1-800-206-6887



Contact


LA
Adriatic Insurance Company


1-504-838-8100



Contact


MA
The Hanover Ins Group


1-800-853-0456



Contact


MA
OneBeacon Insurance Co.


1-877-428-8656



Contact


MI
Frankenmuth Insurance Co.


1-989-652-6121



Contact


N ME, NH, VT
AAA New England Insurance



1-800-672-5246



Contact


NE
Columbia Insurance Group



1-800-240-1797



Contact


ND
Great Divide Insurance Co.



1-800-842-8972



Contact


NJ
Atlantic Employers Ins Co.



1-800-433-0385


OH
Central Insurance Company



1-800-736-7026



Contact


PA
Erie Insurance Company



1-800-458-0811



Contact


SC
Canal Insurance Company



1-864-242-5365



Contact


TX
American National Ins. Co.



1-800-333-2860



Contact


WA
Farmers Insurance Group



1-800-327-6377



Contact


WI
American Family Insurance



1-800-692-6936



Contact