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Automobile Insurance Companies: Coverage, Protection, Quotes And Cost
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Published: May 22, 2007
Slamming on the brakes, bracing against the steering wheel, and flinching at the sound of metal crushing metal can be the worst feeling in the world. Whiplash can be unbearable and the sight of a totaled car can be overwhelming. In the vortex of this crisis, a tidal wave of thoughts about automobile insurance companies floods the mind.
What will my policy cover? How long will I be without transportation? Will this raise my premiums? Did I choose the right company?
The intensity of these concerns can be avoided on judgment day by addressing the details ahead of time. There are a number of reliable automobile insurance companies with affordable protection. Leading automobile insurance companies include Allstate, AAA, Geico, Progressive, and State Farm. While it's not necessary to choose from the biggest of the big name automobile insurance companies, it's best to avoid small agencies that lack a reputation. Asking friends and co-workers about their experiences can help guide research. Everyone loves to share a testimonial, a horror story, or to recommend trusted agents and automobile insurance companies when they can.
Automobile insurance companies offer policies--like the vehicles they insure--in all shapes and sizes. Collision coverage pays to repair or replace the insured party's car due to an accident. Comprehensive insurance will do the same for non-crash damage—think hurricanes, earthquakes, elephants loose from the zoo, teenage boys with golf clubs, and carjackers. Liability coverage pays for any damage caused by the vehicle. More terms used by automobile insurance companies are defined by Esurance in their online auto insurance glossary index.
Because the coverage automobile insurance companies provide is more than just a good idea, the government requires all motorists to be insured. According to Ourautomobileinsurance.com, the minimum policy allowed by United State law is $15,000 bodily injury liability coverage, $5,000 coverage for third party property damage, and $30,000 per incident. The insurance cost of this kind of coverage can be a headache for many low-income drivers, but a challenging bargain hunt for pennywise and Internet savvy consumers.
Competing automobile insurance companies have been known to quote premiums varying up to several hundred dollars for the same coverage on the same car. This dirty little industry secret makes it imperative to search around for the best insurance quote. Comparison shopping on the Internet can take as little as five to ten minutes. Websites like Net Quote and Carinsurance.com ask a series of questions starting with the driver's zip code, and respond with a free online insurance quote from each of several respected automobile insurance companies. In some states, purchasing insurance coverage can be done immediately with the click of a mouse. Ideal protection includes urgent roadside assistance, substitution for a leased car, a low deductible, 24/7 customer service for claims, and timely processing. Further research can lead to even better deals.
College graduates, active and retired military personnel, AARP members, scientists, engineers, teachers and professors may qualify for a discounted insurance cost from certain automobile insurance companies. Also, extra processing charges can be avoided by paying premiums upfront, rather than in monthly or quarterly installments. Bad credit, on the other hand, along with a history of accidents and tickets can cause automobile insurance companies to jack up a driver's rates. Sports cars, commonly stolen cars, high-priced cars, and SUV's are the most expensive vehicles to insure.
Ultimately, the price of reliable insurance coverage is well worth the investment. Peace of mind and faithful provision in the distressing storm of a car wreck is priceless. Luckily, the relationship between automobile insurance companies is competitive enough that reliability doesn't have to cost more than it's worth.
Sources:
5 Ways to Get Auto Insurance Discounts. MSN Money. 1995-2007. Insure.com. 21 May 2007. http://articles.moneycentral.msn.com/Insurance/Ins ureYourCar/5waysToGetAutoInsuranceDiscounts.aspx.< />Auto Insurance. Automobile Insurance. 2003-2007. 21 May 2007.
http://www.ourautomobileinsurance.com.
Auto Insurance Glossary Index. Esurance. 2007. Esurance Inc. 21 May 2007. http://www.esurance.com/auto_insurance_terms/index .asp.
Automobile Insurance Companies. Bizjournals. 2007. American City Business Journals Inc. 21 May 2007. http://www.bizjournals.com/resources/automobile-in surance-company.html.
Dratch, Dana. “The Ten Costliest Cars to Insure.” MSN Money. 2007. Microsoft. 21 May 2007. http://articles.moneycentral.msn.com/Insurance/Ins ureYourCar/10CostliestCarsToInsure.aspx.
Free Vehicle Insurance Information. Automobile Insurance. 2003-2007. 21 May 2007.
http://www.ourautomobileinsurance.com/bestautoin sureinformation.
MSN Autos. “Shopping for Auto Insurance.” MSN Money. 2007. Microsoft. 21 May 2007. http://articles.moneycentral.msn.com/Insurance/Ins ureYourCar/ShoppingForAutoInsurance.aspx.
MSN Money Staff. “12 Secrets Your Car Insurer Won't Tell You.” MSN Money. 18 April 2007. Microsoft. 21 May 2007. http://articles.moneycentral.msn.com/Insurance/Ins ureYourCar/12hiddenWaysToSaveOnAutoInsurance.aspx? />Netquote. 2004. Netquote, Inc. 21 May 2007. http://www.netquote.com/?nqid=12743&Status=spl ash_home.
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The intensity of these concerns can be avoided on judgment day by addressing the details ahead of time. There are a number of reliable automobile insurance companies with affordable protection. Leading automobile insurance companies include Allstate, AAA, Geico, Progressive, and State Farm. While it's not necessary to choose from the biggest of the big name automobile insurance companies, it's best to avoid small agencies that lack a reputation. Asking friends and co-workers about their experiences can help guide research. Everyone loves to share a testimonial, a horror story, or to recommend trusted agents and automobile insurance companies when they can.
Automobile insurance companies offer policies--like the vehicles they insure--in all shapes and sizes. Collision coverage pays to repair or replace the insured party's car due to an accident. Comprehensive insurance will do the same for non-crash damage—think hurricanes, earthquakes, elephants loose from the zoo, teenage boys with golf clubs, and carjackers. Liability coverage pays for any damage caused by the vehicle. More terms used by automobile insurance companies are defined by Esurance in their online auto insurance glossary index.
Because the coverage automobile insurance companies provide is more than just a good idea, the government requires all motorists to be insured. According to Ourautomobileinsurance.com, the minimum policy allowed by United State law is $15,000 bodily injury liability coverage, $5,000 coverage for third party property damage, and $30,000 per incident. The insurance cost of this kind of coverage can be a headache for many low-income drivers, but a challenging bargain hunt for pennywise and Internet savvy consumers.
Competing automobile insurance companies have been known to quote premiums varying up to several hundred dollars for the same coverage on the same car. This dirty little industry secret makes it imperative to search around for the best insurance quote. Comparison shopping on the Internet can take as little as five to ten minutes. Websites like Net Quote and Carinsurance.com ask a series of questions starting with the driver's zip code, and respond with a free online insurance quote from each of several respected automobile insurance companies. In some states, purchasing insurance coverage can be done immediately with the click of a mouse. Ideal protection includes urgent roadside assistance, substitution for a leased car, a low deductible, 24/7 customer service for claims, and timely processing. Further research can lead to even better deals.
College graduates, active and retired military personnel, AARP members, scientists, engineers, teachers and professors may qualify for a discounted insurance cost from certain automobile insurance companies. Also, extra processing charges can be avoided by paying premiums upfront, rather than in monthly or quarterly installments. Bad credit, on the other hand, along with a history of accidents and tickets can cause automobile insurance companies to jack up a driver's rates. Sports cars, commonly stolen cars, high-priced cars, and SUV's are the most expensive vehicles to insure.
Ultimately, the price of reliable insurance coverage is well worth the investment. Peace of mind and faithful provision in the distressing storm of a car wreck is priceless. Luckily, the relationship between automobile insurance companies is competitive enough that reliability doesn't have to cost more than it's worth.
Sources:
5 Ways to Get Auto Insurance Discounts. MSN Money. 1995-2007. Insure.com. 21 May 2007. http://articles.moneycentral.msn.com/Insurance/Ins ureYourCar/5waysToGetAutoInsuranceDiscounts.aspx.< />Auto Insurance. Automobile Insurance. 2003-2007. 21 May 2007.
http://www.ourautomobileinsurance.com.
Auto Insurance Glossary Index. Esurance. 2007. Esurance Inc. 21 May 2007. http://www.esurance.com/auto_insurance_terms/index .asp.
Automobile Insurance Companies. Bizjournals. 2007. American City Business Journals Inc. 21 May 2007. http://www.bizjournals.com/resources/automobile-in surance-company.html.
Dratch, Dana. “The Ten Costliest Cars to Insure.” MSN Money. 2007. Microsoft. 21 May 2007. http://articles.moneycentral.msn.com/Insurance/Ins ureYourCar/10CostliestCarsToInsure.aspx.
Free Vehicle Insurance Information. Automobile Insurance. 2003-2007. 21 May 2007.
http://www.ourautomobileinsurance.com/bestautoin sureinformation.
MSN Autos. “Shopping for Auto Insurance.” MSN Money. 2007. Microsoft. 21 May 2007. http://articles.moneycentral.msn.com/Insurance/Ins ureYourCar/ShoppingForAutoInsurance.aspx.
MSN Money Staff. “12 Secrets Your Car Insurer Won't Tell You.” MSN Money. 18 April 2007. Microsoft. 21 May 2007. http://articles.moneycentral.msn.com/Insurance/Ins ureYourCar/12hiddenWaysToSaveOnAutoInsurance.aspx? />Netquote. 2004. Netquote, Inc. 21 May 2007. http://www.netquote.com/?nqid=12743&Status=spl ash_home.
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