Car Accident Insurance

Car accident insurance can come in a variety of shapes and sizes, with premiums differing between higher costs and lower costs, depending on a number of factors that include the driver's history, coverage desired, and mode of transportation. Individuals interested in receiving a free auto accident insurance quote can either call their local agent or receive a no obligation quote from an online source. Online policy quotes are offered by national and local agencies. Some agencies only specialize in certain types of insurance while others are generalized. Companies offering coverage compete with one another, and shopping around for the best rate offered is advised.

Some car accident insurance quotes are tailored for the at-risk driver. An at-risk driver is considered to be an individual who has one or more at-fault collisions, a DUI or any other serious driving offense, several tickets (paid and unpaid), multiple collisions, and gaps in their policy coverage. If any of these factors may apply, there are high-risk auto accident insurance coverage plans tailored in that area. Individuals that are already low risk drivers and are seeking to reduce their policy rates should drive a less expensive car, take the highest deductible an auto accident insurance policy offers, and drop collision and comprehensive coverage. "Hold thou me up, and I shall be safe: and I will have respect unto thy statutes continually." (Psalm 119:117)

Individuals interested in receiving low rate policies should have good credit scores. The credit score is a new determining factor in the rate of policy premiums. Even if a driver has a great driving record and an inexpensive car, he will receive higher car accident insurance rates if he has a poor credit score. Experts advise individuals to obtain copies of their credit reports from all three nationally recognized credit reporting agencies: Equifax, Experian, and TransUnion.

Once the credit report has been reviewed for inaccuracies (inaccuracies result in 25% of lowered credit scores), a strategic plan of action to raise the credit score should be arranged. Car accident insurance quotes should be gathered based on the new higher credit score if the driver would like to obtain auto accident insurance at the lowest cost. It is not helpful for these agencies to pull a credit report when offering a free quote, as every company that pulls a credit report results in a one point decrease in the individual's credit score. Be sure to shop around for the best policy by knowing the credit score ahead of time.

For more information: http://www.christianet.com/autoinsurance

Get Your Michigan Auto Insurance

Michigan residents should know what type of car insurance coverage they need to carry to comply with state law before purchasing a policy. There are different coverage types that are required in addition to the amount that needs to be purchased. Beyond those requirements are other alternatives that can be added to the policy according to the needs or desires of the policyholder. Finally, we’ll explain the easiest way to purchase MI insurance for a vehicle that can get the cheapest quotes.

MI State Auto Insurance Requirements
State law says that every driver in Michigan must carry the correct type of financial responsibility to legally operate a vehicle on public roads. The most common form of financial responsibility is purchasing an auto insurance policy. There are many, many companies throughout the state that offer a variety of policies at different prices for motorists to choose and purchase.

Like many other states, Michigan requires their drivers to carry bodily injury liability and property damage liability in a 20/40/10 minimum amount. This means that the insurer will pay up to $20,000 for the bodily injuries of the other driver and passengers per person and up to $40,000 for the bodily injuries combined. This coverage also will help cover court costs. The 10 in the 20/40/10 refers to the $10,000 that will be covered in property damage, and the insurer will pay for those repairs up to $10,000. These are only the minimal amounts required and it is recommended by experts for drivers to carry a 100/300/100 policy for bodily injury and property damage liabilities.

Michigan also requires drivers to carry two additional coverage types in their minimal insurance policy, personal protection insurance and personal injury protection. Personal protection insurance is in the amount of up to $1 million and pays for damages caused to other people’s property. It is similar to property damage but check with the individual provider to get the exact terms of coverage. Personal injury protection pays up to a certain amount for the medical bills and any lost wages for up to three years. It covers medical expenses of the policyholder, members of the policy and any passengers of the accident no matter who caused the accident. This coverage can be used in addition to the coverage of a healthcare policy. Personal injury protection is a great coverage for drivers who carpool regularly since passengers are covered under it.

Additional Coverage Options
There are other coverage types that can be added to the minimum state requirements to ensure full coverage on the vehicle. Comprehensive and collision are very popular types to add to a policy. Comprehensive insurance covers damage done to a vehicle that was caused by something other than a typical on the road vehicle accident. This can include weather related causes of damage such as strong winds or hail. Collision covers damage no matter who caused it. So, when in an accident that was the policyholder’s fault, their state required liabilities will go towards the other driver’s repairs and medical bills, and the collision coverage will go towards the policyholder’s vehicle for repairs.

Other options include protection for the policyholder from drivers who do not have auto insurance or who have a small amount of it and cannot pay for the full repair bill. Uninsured and underinsured motorist liabilities would be used in this situation, and it would be the policyholder’s insurer who pays for these damages incurred by the other driver who has insufficient insurance or no insurance at all. This coverage is actually required in other states.

A few other additions would be the towing coverage and the rental car coverage. Each of these are for the policyholder’s convenience. The towing coverage allows for a tow truck to haul the policyholder’s insured vehicle away from the scene of the accident to a body shop, and the rental car coverage forces the insurance company to pay for the rental car fees that occur when the policyholder’s vehicle is being repaired. Most often these are covered up to a certain amount and are not just a blanket amount covering however much the policyholder feels necessary. For example, some insurers only cover up to $25 a day or up to $50 a day with certain rental car coverage options. Find out which other options are offered by the insurer and their coverage terms to get the best coverage.

Find Michigan Car Insurance
Our method of getting quotes for Michigan auto insurance is the fastest and easiest way to get a number of quotes in a matter of minutes. Instead of taking time to contact each individual insurer and gather their data and prices over and over again, we ask one set of questions and then provide the list. Starting with the box asking for a local zip code, enter in the local residential zip code and watch for the next webpage to open. The next few questions are in regards to the driver, the vehicle to be insured, and the type of coverage the driver wants.

The information needed about the driver does not require the use of any really important personal information that could be used against them, such as a social security number or a driver’s license number. Instead, we only need the name, age, address, and past driving history of the driver. We can give an accurate quote as long as the information provided is honest and accurate. Please remember that although the personal numbers (social and license) are not needed, they will be taken if the driver decides to purchase a policy. This is done by the insurer, just like when a policy is purchased offline and traditionally on paper. The vehicle information needed will be the make, model and year of the vehicle, where it is kept, why it is driven and how often it is driven. Finally, the coverage and amount of that coverage wanted on the policy is needed. All of these things contribute to determining the final quote of the premium.

Finding the Best Car Insurance In Florida

If you are looking for the best way to insure a vehicle or two in the state of Florida, you have come to the right place. We offer a wide range of knowledge to the novice and intermediate drivers about auto insurance. There are articles posted about the different types of coverage that can (and should) be included in a policy, as well as how to find the right insurance company to get you coverage. Never again does a Floridian need to wander around wondering about the details of auto insurance. Taking advantage of our site and reading this article will help drivers learn more about how car insurance works in Florida and where to get it as cheaply as possible.

Do you know what’s required?
Are you aware that in order for people to legally drive in the state of Florida they must have declared a form of financial responsibility with the state? There are different types of financial responsibility that can be used. One type is the commonly used auto insurance policy. By purchasing a policy, you are showing the state that there is a way for you to pay for damages you could potentially cause in an accident. Technically speaking, this policy acts as a contract between you as the policyholder and the auto insurance company. They are agreeing to pay for certain damages made under certain circumstances once you have paid the deductible.

The minimum amount of insurance that is required for all drivers by the state legislation of Florida is $10,000 of personal injury protection and $10,000 in property damage liability. Of course there are quite a few additional types of coverage that can be purchased and added to a policy, but we’ll discuss those later on. Personal injury protection is a type of coverage that protects the policyholder, members of the policy, and passengers in the insured vehicle at the time of the accident. This coverage pays for the medical bills resulting from the accident, up to the purchased amount. It acts as a second healthcare insurance coverage for most people, but is a great help if a person doesn’t have health insurance. Drivers who host a carpool frequently will want to consider increasing this coverage to be able to pay for all passengers in the vehicle. It also will apply to the policyholder and the members if one of them happens to be struck by a car as a pedestrian.

Property damage liability is coverage where the insurer will pay to repair the damages you cause in an accident to another person’s property, up to the amount you’ve purchased. This can include another person’s vehicle, a fence, light post, building, or any other structure that does not belong to the policyholder or household member. In certain areas of Florida, more expensive cars are found on the road. The minimum amount of $10,000 would not be sufficient to cover any major damage or the replacement of an expensive luxury vehicle. The policyholder in this case would be expected to pay the difference in cost between what the insurer paid and the final cost of repair. Some experts recommend that drivers carry $100,000 of property insurance.

How to get coverage in FL
One way to find local insurers to provide coverage on the vehicle is by searching through phone books or Internet sites and contacting them individually. The driver could ask them how long they’ve been in business, what prices do they charge, and find out what types of coverage they offer. The insurer’s representative will then ask the driver for some information as well, such as their name, age, address, coverage wanted, type of vehicle to insure, among other things. When this information has been exchanged, the driver will hang up the phone and call the next insurer, and the same information will once again be exchanged. This could go on all afternoon or even longer, and it’s a deterrent to someone who does not want to waste their time but still find a great policy in Florida.

Instead of going through this process, our site offers a way for Florida citizens to answer only one set of questions, one time, and end up with a list of quotes from local insurers who are interested in providing their services. These questions only take a few minutes and are centered around the driver, the vehicle, and the coverage wanted. We will need to know who the driver is, how old they are, where they live, and details about their driving record. We do not require the use of a driver’s license number or a social security number. We feel that as long as the applicant provides honest and accurate information throughout the questionnaire, correct estimates can be provided on the quote page. Also needed is information about the vehicle, such as the year, make, model, where it is parked at night, how many miles it is driven and its main purpose. Finally, telling us which type and the amount of coverage desired to be purchased will end the questionnaire. We take all of this information and give it to the insurers who come back with their estimated quote of how much it would cost for you to have their insurance.

After reviewing the given quotes, the driver can choose a policy and purchase it right then online with a credit card. However, there is no obligation to purchase anything nor is there any limit as to how many times a person can use our quote comparison tool.

Additional Coverage For Your Policy
A motorist who wants full coverage for their vehicle will need to go beyond the state minimum requirements and purchase more coverage types. Below is a list of additional types that can be added to a policy:
Bodily Injury Liability: This coverage is required in most other states, and provides medical care for the other driver when the policyholder (you) is responsible for the accident.

Uninsured/Underinsured Motorist: Pays for the damages that occur to the policyholder (you) caused by another motorist who is either uninsured or does not carry adequate insurance.

Comprehensive and Collision: These are two separate coverage options that are usually sold together. Between the two of them, the policyholder’s vehicle will be covered by the insurer no matter what or who caused damage to the vehicle.

Florida is a great state with plenty of sunshine and roads to explore. Make sure you’ve got the right type of car insurance at the best rates. Compare Florida auto insurance rates here with us to get the lowest price.

How to Make Use of Online Insurance

Online insurance refers to facility of purchasing and selling insurance online. Online Insurance has almost taken over the insurance market by making the task of selection, comparing and purchase of insurances easy and fast. These insurance companies are often legitimate which makes it easy for customers to work through their home places. There are several types of insurances that are conducted online including Motor insurance, medical insurance and travel insurance.

Many of the online insurance companies just give the quote online and the rest of the formalities are completed over phone. In such cases it becomes virtually online insurance. For example websites such as Tameen4u.com allows online insurance quoting and lets you complete the rest of the process offline.

The biggest benefit of online insurance is that now a customer need not go places for selecting the right insurance. He could just surf the website of the insurance company and compare their quotes with the one on other websites and select the one that fits his demands. Searching can be taking into account the type of insurance and the coverage amount. After searching is done, an analysis is performed in accordance to his requirements and needs. A policy that suits best can be ordered or purchased either on an offline basis or online basis.

Landlords must have their property insured against all kinds of damage. A building is open to several risks such as theft, fire, and earthquake and so on. It would be a smart decision to buy a policy that covers all the risks. There are many online firms that offer property insurance policies at affordable prices. Also substantial amount of time is saved by looking over the information available online. The broker will work on the procedures on your behalf.
If you want to protect yourself from health problems or you have dependents with which you spend your life with, then life insurance and health insurance play an important role at every stage. Life Insurance is treated as a characteristic of sound future planning. Life insurance can provide income to your dependents after you death. It can pay your burial expenses and other costs that do not come under health insurance.

You can also get commercial property and content insure done in order to safeguard your workplace against any kind of loss. It is unfortunate to these that not many people avail this facility. The outcome is that they suffer from heavy losses in the eventuality of theft or fire. All this could have been avoided if they had a cover.

Florida Health Insurance Rate Hikes and Quotes

Florida Health Insurance Rate Hike

Florida Health insurance premiums have touched new heights! Every Floridian has the common knowledge that most annual health insurance contracts will endure a rate increase at the end of the year. This trend is not new and should be expected. Every time this issue pops up it seems as though the blame game starts. Floridians blame Health insurance companies; Health insurance companies blame Hospitals, Doctors and other medical care providers, Medical care providers blame inflation and politicians, well, we really don't know what they do to help the issue... No one seems to be interested in finding the real cause of the health insurance premium rate increase. Most individuals, self employed, and small business owners have taken Florida Health Insurance Rate Hikes as the inevitable evil.

Hard Facts

What are various reports telling us? Why do Health insurance premium have annual rate increases?

Rate of inflation and heath insurance premium rate increase.

America’s health expenditure in the year 2004 has increased dramatically, it has increased more than three time the inflation rate. In this year the inflation rate was around 2.5% while the national health expenses were around 7.9%. The employer health insurance or group health insurance premium had increased approximately 7.8% in the year 2006, which is almost double the rate of inflation. In short, last year in 2006, the annual premiums of group health plan sponsored by an employer was around $4,250 for a single premium plan, while the average family premium was around $ 11,250 per year. This indicates that in the year 2006 the employer sponsored health insurance premium increased 7.7 percent. Taking the biggest hit were small businesses that had 0-24 employees. There health insurance premiums increased by nearly 10.4%

Employees are also not spared, in the year 2006 the employee also had to pay around $ 3,000 more in their contribution to employer’s sponsored health insurance plan in comparison to the previous year, 2005. Rate hikes have been in existence since the "Florida Health Insurance" plan started. In covering an entire family of four, a person will experience an increase in premium rate at every annual renewal. If they would have kept the record of their health insurance premium payments they will find that they are now paying around $ 1,100 more than they paid in the year 2000 for the same coverage and with the same company. The same item was found by the Health Research Educational Trust and the Kaiser Family Foundation in their survey report of the year 2000. They found out that the premiums of health insurance that is sponsored by the employer increases by around 4 times than the employee’s salary. This report also stated that since 2000 the contribution of employees in group health insurance sponsored by employer was increased by more than 143 percent.

One business man predicts that if nothing is done and the Health insurance premiums keep increasing that in the year 2008, the amount of health premium contribution to employer will surpass their profit. Professionals within and outside the field of Florida health insurance, think that the reason for increase in Florida health insurance premium rates are due to many factors, such as high administration expenditure, inflation, poor or bad management, increase in the cost of medical care, waste etc.

Florida health insurance rate hikes affect whom?

Rising rates of Florida health insurance generally affects most of the Floridians who live in our beautiful state. The highest affected individudals are the minimum wage and low wage workers. Recent drops in the renewal of health insurance are mostly from this low income group. They just can’t afford the high premiums of Florida health insurance. They are in the situation where they can not afford the medical care and they can not afford the medical insurance premiums that are assosiated with adequate coverage. Almost half of all Americans are of the opinion that they are more worried about the high health insurance rate and high cost of health care, over any other bill they have on a monthly basis. A survey also finds that around 42% of Americans can not afford the high cost of health care services. There is one very interesting study conducted by Harvard University researchers. They found out that 68% of people who filed bankruptcy covered themselves and their family by health insurance. Average out-of-pocket deductibles for people filed bankruptcy were around $ 12,000 per year. They also found some co-relation between medical expenditure and bankruptcy. A national survey also reports that main reason for people not to take health insurance is the high premium rate of health insurance.

How to reduce Florida’s high health insurance cost? Nobody knows for sure. There are different opinions and experts are not agreeing with each other. Health professionals believe that if we can raise the number of healthy people by improving the lifestyle and regular exercise, good diets etc. than naturally they will need less medical care services which decreases the demands of health care and hence the cost.( This year in Florida the smoking rate has increased by 21.7 percent) One Floridian sarcastically suggested that there are ‘highs’ and ‘lows’ in health care that are needed to reversed. That the state of Florida is to ‘high’ in cost of medical care compare to other States and ‘low’ in the quality of health care.

Florida Health insurance rate hike has attracted many frauds. These frauds float many bogus insurance companies and offer cheap health insurance rate which attract many people to them. These companies usually through assosiations that are based in other states.

Meanwhile reputable Florida health insurance companies provide different types of health insurance like employer sponsored group health insurance, small business health insurance, individual health insurance etc. to vast number of employees and their families. Still there are many people in Florida that lack any health coverage. Today the employer also has found it challenging to decide how to offer employer sponsored group health insurance to their employees, so that both of them arrive at some point of agreement.

For Floridians it is very important to shop around for a quality health insurance program that doesn't break the bank.

You need to find an agent or web portal like Florida Health Insurance Web, www.FloridaHealthInsuranceWeb.com that offers a variety of products. There you will most likely be able to get quotes, compare plans, and apply online.

Florida Health Insurance Consultants can help you!

Simple Ways to Get Affordable Health Insurance Quotes Online

During recession, looking for cheap health insurance plans has become a MUST for everyone for the purpose of saving cost and obtaining health protection. Most of us need affordable health protection as health is the most important element in our life. Here are some useful tips on how to obtain the best price for health coverage through online search.

When someone needs the health insurance urgently, it doesn't mean that he or she just simply grab any healthcare policy available in the market. A thorough research should be done tactfully for the purpose of getting the fairest and most affordable premium. It is proposed that you should make use of the free online insurance quote programs that will give you detailed idea about the insurance rates for individual health insurance needs.

Below are some of the famous online health insurance companies which provide you the best deal by clicking just a few buttons at anywhere anytime you like.

• eHealthInsurance
• InsureMe
• Health Insurance Directect

By browsing through these websites, you will be able to compare different health plans on their prices as well as the benefits covered. Stick to the principle - choose the plan with maximum coverage but minimum investment cost. Obtaining adequate coverage is indeed NECESSARY.

In order to speed up the process of obtaining healthcare plan, buy it online. You can submit your application online and get the approval within 24 hours. An insurance agent will be assigned to you. You will get the assistance and advice you need online.

To sum up, the most effective way to get the quotation for health coverage is through searching online. With the right approach, you will be able to purchase quality health plan at lowest cost.

Auto Insurance - How to Save Money With Teenage Drivers

By Dennis Montgomery

If you have soon-to-be-driving teenagers and haven't seen what that can do to your auto insurance rates...be prepared for massive shock. Premiums can go through the roof in many cases. It doesn't always have to be that way though if you know how to save the most amount of money possible. Here's a look at some tips to help you along the way.

No one wants to pay more for anything than they have to and car insurance is no different. One of the best ways to save more money on insurance premiums is to shop around. Now I don't mean getting one or two rate quotes and calling it a day. In order to save a lot of money you are going to need to get a lot of different quotes.

The best way to accomplish that is to go online. Getting an online auto insurance quote is easy. There are hundreds of car insurance websites to choose from. Plan on getting quotes from at least 10 different companies. You may be surprised at the vast difference in rates. It will also not take that long to do it either.

Next, be sure to take advantage of the discounts that will be available. Many companies offer a 5-10% discount for taking drivers education classes. One of the best discounts that nearly every insurance company has is the good grades discount. See, it pays to get good grades!

You also will get a nice discount if you have more than one car insured with the same company. A multi-car discount of 10-25% applies. This can go a long way in keeping rates as low as possible.

Finally, be careful in what type of car your teenager is going to be adding to your insurance program. Yes, a Corvette is cool but you don't even want to think about how much it will cost to insure. I think you get the picture here.

Although you can expect your rates to jump, by knowing what discounts are available and putting them to use, you will go a long way in keeping your auto insurance rates as low as possible.

Next, go to this website at Sliding Screen Doors where you will find information and tips on everything to do with sliding screen doors. http://www.slidingscreendoorsinfo.com

California’s Low Cost Car Insurance

There is a program in California geared specifically towards drivers who can’t afford a regular auto insurance policy. These drivers must go through a certain process to be found eligible to participate in this program, so not just anyone who thinks they should deserve it will be given this opportunity. This program, known as the Low Cost Auto Insurance Program, is run by California Legislation through certain car insurance providers. It aims to help drivers who cannot afford the expense of a normal car insurance plan due to low income.

With regular auto insurance, policyholders are required to provide certain information to the insurer, such as where they live, how long they’ve been driving, how many traffic incidents they have been involved in, they type of car they drive, and some other things. This information is collected and a rate is determined from this information by the insurance company. Some drivers only make a certain amount of money, which limits their dwelling options. Most often, low paid drivers end up living in lower income areas with higher crime rates. This is one example where a good driver will end up paying higher insurance, due to no bad driving on their part, because insurers charge higher premiums to someone who lives in a higher crime area.

Legislation feels that those drivers who exercise safety while driving and have a clean record but can’t afford a good car insurance plan should be given a chance. Low Cost Auto Insurance in California is the opportunity low-income drivers can take to get good protection on their vehicle. There are requirements that must be met before they can qualify, but once they do qualify they will have adequate protection. People who try round about ways to get this insurance when they can’t qualify should leave well alone; insurers do like any kind of insurance fraud and give out fierce punishment when they find fraudulent activity going on.

To qualify for this program of Low Cost Insurance, a driver must meet requirements including age, driving status, and yearly income prerequisites. There is a limited coverage amount that applies to the coverage and they cannot have any other policy from another company covering their car as second coverage. These rules are in place to help prevent fraud and limit the number of people who may qualify for the program.

Low Cost Coverage: The Low Cost Insurance program is a 15/30/5 policy. It covers up to $15,000 of bodily injury liability per person and $30,000 per accident. This is the coverage that provides payment to the other driver and their passengers for their injuries. The $30,000 can be applied towards all of their injuries combined, while the $15,000 is the limit that the insurer will cover, just as in a typical or regular insurance plan. Also included are $1,000 for medical payment to be applied towards the policyholder’s injuries and also any injuries their own passengers may incur. This can be used in conjunction with a healthcare program. Finally, there is an option to purchase uninsured motorist bodily injury liability per person of $10,000 and per accident of $20,000. As in a normal policy this applies to the injuries occurred when a driver without vehicular insurance causes the accident which results in injuries.

Providers: There is not just one automobile insurance provider who has the ability to offer this program. State legislation rules which companies will provide this insurance so that not one company insures everyone, and also to help this become more fair. If only one company offered the Low Cost insurance program, there is a good chance they would need to raise rates for other drivers to offset the cost. By having law makers decide who does what in this circumstance, all companies can view having this program as an incentive for more customers.

Eligibility: As mentioned earlier, there are requirements that must be met in order for a driver to be allowed to purchase the low cost program. First, drivers must be at least 19 years of age to qualify. This driver also must have had a valid driver’s license for at least 3 years prior to applying and they must be considered a “good driver” by the classification set by the state. The state’s definition of a good driver is they cannot have more than 1 point on their driving record, and they can only be found at fault for one accident. Both of these together – the 1 point and at fault accident – can only occur once in three years.

Also mentioned earlier was the need for the driver to make a certain amount of money to be able to qualify for low income auto insurance. The standard rulings are again dictated by state government. A household of 4 people can make no more than $55,125 a year to be able to qualify for this insurance program, and an 8 person household must make no more than $92,525 a year. The definition of member of household is a person living in the same place who have a relationship of blog, marriage, or adoption. These income figures are determined using ratios of people to income, and the “income must be 250% or less of the federal poverty level” as stated by the State Department of Insurance of California.

Finally, the vehicle can only be covered by the program and no other policies provided by other insurers. In regular policy coverage, multiple policies can cover the same vehicle for extra coverage and protection. However, this cannot be applied when using the low cost program.

Find Low Rates: If a driver does not qualify for the low cost auto insurance program but still needs to find cheap rates to fit into their budget, they can look here on our site and use our quote comparison tool. We provide quotes from a number of insurers side by side for easy comparison to find the lowest price. All drivers should be given the opportunity to pay a low price for their car insurance policy, not just those who receive low income. Take advantage of our fabulous comparison tool to save money on any policy.

How To Buy an Auto Insurance Policy

A first time car insurance buyers should note there are a few things a person should do when they are searching for their first (or fifth or twentieth) policy. Remember that auto insurance is a product that is sold by a company, just as any other type of product is sold from a store. However, unlike other products, this product, or insurance for a vehicle and the driver, is purchased to give protection to the policyholder’s assets. Buying a policy from an auto insurance company will begin a contract stating that in the event of an accident, the insurer will pay for certain damages that occur under certain circumstances. Having adequate car insurance is required by the state, and state legislation dictates the amounts and types of coverage options to be included in all driver’s policies. In order for drivers to obey these laws, they must be able to purchase the minimum requirements from a legit company and keep their policy current. Some ways to do this is by gathering quotes, researching providers, and finally purchasing the policy and maintaining it.

Gathering Quotes
Getting quotes for an auto insurance policy is very easy, but it can prove to be time consuming if it’s done the wrong way. Drivers may think they need to pull out the old phone book, go to the “I” section and start contacting all of the companies who offer auto insurance, going down the list and getting their phone numbers. In calling each insurer, the driver wants to know the same information from each company and repeatedly asks the same questions. In return, each company will probably have their own set of questions that will need to be answered by the driver. After many hours of work, the driver has their list of quotes and companies to choose from.

Another option to gather quotes and company information is to search the company’s website. This can be done during non-business hours and is a little more convenient for anyone. But, the driver is still trying to find the same information from a list of different companies, and they are still taking up their time looking through a bunch of different websites and pages within those websites trying to find their answers about how much they will end up paying for insurance. Again, more time than necessary has been spent trying to find quotes for an auto insurance policy.

Luckily for most drivers, an extensive and thorough quote gathering process doesn’t have to take much time and effort at all, not even for drivers who are high risk. Instead of contacting each company individually through their phones or their website, drivers can use our quote comparison tool to quickly gather the going rates offered by different insurers by answering a short list of questions right here at Online Auto Insurance. We’ll first need the driver’s zip code, followed by their name, age and address. To provide an accurate quote to the driver, we will also need the driver to enter in their driving history accurately, as well as give us the specifics about what types of coverage and amounts they would like to include in their policy. Data concerning the vehicle to be driven and insured will also need to be entered in the appropriate spaces. Once everything has been submitted, the driver will then be granted access to view a page listing a variety of quotes from different local insurers.

Researching Providers
When the driver has received their page of quotes, then it is appropriate to contact the insurer with different questions they may have about the policy offered or the company itself. The benefit of doing this research after quotes have been provided is because instead of spending a huge chunk of time finding out information about all of the local insurers, the time can be better spent looking into the smaller list of providers who have already provided their quotes.

One way to gather information about the insurer is to call them directly, but this may not give an unbiased opinion to work with. Instead, try using people who have been their customers before, such as family, friends, and co-workers. Also, using third party companies who rate different aspects of an insurance company is beneficial. There are Internet sites that provide their findings on customer service and financial stability. JD Power is one that evaluates things such as bill pay, customer service, and the company’s website. They show who they find to be top quality companies and who doesn’t measure up. Weiss Ratings and AM Best are two companies that look into the financial stability of an insurer and post their findings to the public. They will show who is secure in their financial strength and who is vulnerable to a big loss and possible failure of the company.

Purchasing the Policy
After the quotes have been given and the listed providers researched, the final stage to purchasing auto insurance is to actually make the purchase. This can be done online with a credit card or over the phone to one of our customer service representatives. There are options to have the policy mailed to the residential address of the driver, or if they want to “go green” like so many people are doing nowadays, they may have the option to easily download the policy right to their home computer. This way they have a copy of the policy in an electronic form instead of paper, which will turn to clutter or trash once the policy period has ended. Either way, most people have the option to print out a copy of their proof of insurance card from their home computer. This comes in handy to anyone who is in immediate need of proof of insurance to reinstate their vehicle or license.

There really isn’t that much to purchasing a car insurance policy, especially making that purchase online. With it being so easy and fast, there’s no reason to stress over the process and risk driving without insurance. Under no circumstances should anyone drive with insurance, and we make it easy to follow the law.