The number of major auto insurance companies in the United States are many with many of them being large general insurance companies that are also providing auto insurance, while others are pure auto insurance companies. Among these major players is the American International Group or AIG auto insurance company that is pretty big, being not only the second largest insurance company in the United States, but also the second largest auto insurance company in the US.
Foremost International Insurance And Financial Services Company In The World
Being the world’s foremost international insurance and financial services company in the United States, AIG auto insurance policyholders get the advantage of getting the best service in the industry. If you have any doubts, the best course of action for you would be to go online and compare AIG auto insurance with other competing company quotations, which will make it easy for you to decide which the best insurance policy for you is.
No doubt, most auto insurance policies seem pretty much the same, which is why you should check your AIG auto insurance policy to see whether it suits your particular needs or not. If you feel that their quotation is reasonable (as it should be), and that you can manage the premium payments within your budget, you can go ahead with this company’s insurance policy.
With AIG auto insurance you are assured that you as a customer are put first, and with the type of quality customer support facilities this company has, and with online help as well as the best customer support staff, you can be assured of getting service that matches your expectations, which is what you would expect from a top insurance company such as this.
AIG auto insurance means you will get round-the-clock help whenever it is needed, and you can also expect some extras in the form of roadside assistance as well as towing your vehicle for free, and of course, discounts at auto shops as well as supply dealers. You also will not face the problem of having your account mixed with other customers’, and you will receive your bills in a timely fashion as also have them well detailed.
In addition, with AIG auto insurance you will get regular updates as well as promotions that will keep you informed about new deals of interest to you, which is most useful when there are changes made in rates, billing schedules as well as policies that take place from time to time. In addition, with AIG auto insurance you will find your claims being processed faster as well as with few mistakes, and you will also not have to make any real follow-up queries because you will be assured of quality service throughout your time with them.
Monday, October 13, 2008
The Break Down Of Auto Insurance
Cavemen had no idea what they were into when they first learned how to rock and roll and make those rocks roll. Who knew this would evolve past wooden carts and jaunty buggies to Henry Ford’s T-Model and the now shiny vrooms that grace the tarmac today?
Vehicles have long been a staple in the lives of most men and women today. Thanks to advancements in technology, many vehicles have become part playground, office, and even bedroom. There is not much that you cannot do from the driver’s seat anymore.
The family car is more than a tool for just work and play; it is entrusted with the lives of you and your family on a daily basis. It can also be a status symbol for all of your past and present accomplishments in life. Cars really are more iatrical than some people would think. It only makes sense that you would have an auto insurance policy to protect this very important investment.
FYI About Auto Insurance
What exactly is auto insurance? It is more than just an added expense and piece of paper stuffed in your glove box. You even begin to wonder how needed it even is. Think of your auto insurance policy as a shield and a back-up generator all in one; it can keep you safe from the possible and unforeseen accident and/or mishap.
Auto insurance may not be able to prevent that other driver from careening in you or the lamp post from jumping into the middle of the road during a rain storm, but that little piece of paper can shelter you and your family from unnecessary harassment and further turmoil during a time when you may not be at your fighting best.
You have made the decision to obtain auto insurance for your vehicle. Do you know what is included in your policy? It is good to know what basic points of coverage your insurance company should be offering you:
1) Bodily injury liability covers any injuries you (and anyone listed on your policy) cause to someone else.
2) Personal injury protection takes care of medical expenses incurred if you or your family is inured in an accident. This can also pay lost wages, and even funeral expenses.
3) Property damage liability covers any damages you may cause in an accident.
4) Collision pays for any damage to your vehicle in an accident.
5) Comprehensive coverage is optional in many states; this pays for any damage that is not caused by another vehicle. Earthquakes, flooding, theft, riots, run-ins with animals, and falling objects are usually included.
6) Uninsured motorist coverage keeps you safe in the even the other driver is not insured, or you are involved in a hit-and-run accident.
Vehicles have long been a staple in the lives of most men and women today. Thanks to advancements in technology, many vehicles have become part playground, office, and even bedroom. There is not much that you cannot do from the driver’s seat anymore.
The family car is more than a tool for just work and play; it is entrusted with the lives of you and your family on a daily basis. It can also be a status symbol for all of your past and present accomplishments in life. Cars really are more iatrical than some people would think. It only makes sense that you would have an auto insurance policy to protect this very important investment.
FYI About Auto Insurance
What exactly is auto insurance? It is more than just an added expense and piece of paper stuffed in your glove box. You even begin to wonder how needed it even is. Think of your auto insurance policy as a shield and a back-up generator all in one; it can keep you safe from the possible and unforeseen accident and/or mishap.
Auto insurance may not be able to prevent that other driver from careening in you or the lamp post from jumping into the middle of the road during a rain storm, but that little piece of paper can shelter you and your family from unnecessary harassment and further turmoil during a time when you may not be at your fighting best.
You have made the decision to obtain auto insurance for your vehicle. Do you know what is included in your policy? It is good to know what basic points of coverage your insurance company should be offering you:
1) Bodily injury liability covers any injuries you (and anyone listed on your policy) cause to someone else.
2) Personal injury protection takes care of medical expenses incurred if you or your family is inured in an accident. This can also pay lost wages, and even funeral expenses.
3) Property damage liability covers any damages you may cause in an accident.
4) Collision pays for any damage to your vehicle in an accident.
5) Comprehensive coverage is optional in many states; this pays for any damage that is not caused by another vehicle. Earthquakes, flooding, theft, riots, run-ins with animals, and falling objects are usually included.
6) Uninsured motorist coverage keeps you safe in the even the other driver is not insured, or you are involved in a hit-and-run accident.
Tuesday, May 20, 2008
What You Need For Your Auto Insurance Search
Thanks to the invention of the Internet, it's easier than ever to shop around for auto insurance. Most auto insurance companies have websites that will give you a quote, and there's sites that will help you in your auto insurance search by providing quotes from multiple companies at once. If you're looking for new auto insurance, there are a number of pieces of information that you need to have on hand. Here's what you need to tell auto insurance companies about when making your auto insurance search:
Identifying Info
All sites will want to know both your social security number as well as your driver's license number when you make your auto insurance search. The driver's license number will help the company to look up your driving record, which can result in a change in the price of your insurance, and the social security number can look up credit information to help determine what sort of risk you have for missing payments. While you might not always want this information disclosed, the insurance companies need to have it, so expect to give it out.
Records Of Accidents
If you've had any accidents in the last few years, be sure to not when and where they were, and the amount your former insurance company had to pay out, if anything. Many companies will ask you to provide this information when you're on your auto insurance search, so keep it handy. Your best bet to make this easy is to keep some sort of file for yourself that you can reference when on an auto insurance search. The same goes for records of any tickets or speeding violations that you've received over the last several years.
Driving Classes
If you've taken a driving class recently, whether for a ticket or just on your own, be sure to note that in your auto insurance search, if possible. Most credit for driver's education classes expires after a year or two, however, so be sure to keep records of when you took your class. Sometimes the discount you get can be as much as ten percent, which doesn't seem bad on a monthly basis, but adds up over the course of a year.
Know Your Car's Security System
Another thing that can get you lower payments when on an auto insurance search is some sort of car security system. Having one makes your car more difficult to steal or easier to recover, which makes the auto insurance companies feel more confident that they won't lose on their investment. Know what sort of system you have when on your auto insurance search, because many companies will ask you to describe the kind. With this and the other pieces of information above, you will be able to give your auto insurance company reasons for giving you a lower quote, or fuel their reasons for giving you a higher one.
Identifying Info
All sites will want to know both your social security number as well as your driver's license number when you make your auto insurance search. The driver's license number will help the company to look up your driving record, which can result in a change in the price of your insurance, and the social security number can look up credit information to help determine what sort of risk you have for missing payments. While you might not always want this information disclosed, the insurance companies need to have it, so expect to give it out.
Records Of Accidents
If you've had any accidents in the last few years, be sure to not when and where they were, and the amount your former insurance company had to pay out, if anything. Many companies will ask you to provide this information when you're on your auto insurance search, so keep it handy. Your best bet to make this easy is to keep some sort of file for yourself that you can reference when on an auto insurance search. The same goes for records of any tickets or speeding violations that you've received over the last several years.
Driving Classes
If you've taken a driving class recently, whether for a ticket or just on your own, be sure to note that in your auto insurance search, if possible. Most credit for driver's education classes expires after a year or two, however, so be sure to keep records of when you took your class. Sometimes the discount you get can be as much as ten percent, which doesn't seem bad on a monthly basis, but adds up over the course of a year.
Know Your Car's Security System
Another thing that can get you lower payments when on an auto insurance search is some sort of car security system. Having one makes your car more difficult to steal or easier to recover, which makes the auto insurance companies feel more confident that they won't lose on their investment. Know what sort of system you have when on your auto insurance search, because many companies will ask you to describe the kind. With this and the other pieces of information above, you will be able to give your auto insurance company reasons for giving you a lower quote, or fuel their reasons for giving you a higher one.
The Importance of Auto Insurance Ratings
Most people who purchase auto insurance do so because they have to, not because they want to. Because of this, not much is paid attention to when it’s time to purchase the coverage. Of course, everyone wants the most bang for their buck, and as long as the company is widely known, many don’t have a problem simply signing up with that company without even thinking about checking auto insurance ratings or comparison shopping.
In fact, even though big companies that offer auto insurance nationwide don’t satisfy all of their customers all of the time, they don’t lose much business because people stay for the ease of doing so. In cases like this, you can get stuck with an auto insurance company that does not meet your needs, but it’s too much of a hassle to pick up and walk away now.
Better to be Safe than Sorry
An important aspect of purchasing auto insurance is to know the companies before you begin doing business with them. In order to make sure you are in the know, you will want to do a number of things. Firstly, you’ll want to comparison shop for the best pricing, but keep in mind this won’t be the thing that makes or breaks your decision. Sure, it’s nice to save money but not at the cost of losing valuable service that is important to you. Another thing you’ll want to do is to check auto insurance ratings.
What is An Auto Insurance Rating?
An auto insurance rating is something that’s meant to inform you of the type of company you are thinking of doing business with. J.D. Power offers new and used auto insurance ratings, designed to give you the most information available about a company. Auto insurance ratings are like a report car for insurance companies.
You’ll find information about how good insurance company policies are, what is covered in them compared to other companies, and the satisfaction of consumers that are doing business with said company. The major categories are broken down into 4 categories:
Overall Experience
Policy Offerings
Pricing
Contacting the Insurer with Ease
Using these categories as a guide, you will be able to determine which companies offer the things you’re looking for, get a good idea of what other consumers think about a company’s service offerings, and ultimately decide which company you’d like to do business with.
In fact, even though big companies that offer auto insurance nationwide don’t satisfy all of their customers all of the time, they don’t lose much business because people stay for the ease of doing so. In cases like this, you can get stuck with an auto insurance company that does not meet your needs, but it’s too much of a hassle to pick up and walk away now.
Better to be Safe than Sorry
An important aspect of purchasing auto insurance is to know the companies before you begin doing business with them. In order to make sure you are in the know, you will want to do a number of things. Firstly, you’ll want to comparison shop for the best pricing, but keep in mind this won’t be the thing that makes or breaks your decision. Sure, it’s nice to save money but not at the cost of losing valuable service that is important to you. Another thing you’ll want to do is to check auto insurance ratings.
What is An Auto Insurance Rating?
An auto insurance rating is something that’s meant to inform you of the type of company you are thinking of doing business with. J.D. Power offers new and used auto insurance ratings, designed to give you the most information available about a company. Auto insurance ratings are like a report car for insurance companies.
You’ll find information about how good insurance company policies are, what is covered in them compared to other companies, and the satisfaction of consumers that are doing business with said company. The major categories are broken down into 4 categories:
Overall Experience
Policy Offerings
Pricing
Contacting the Insurer with Ease
Using these categories as a guide, you will be able to determine which companies offer the things you’re looking for, get a good idea of what other consumers think about a company’s service offerings, and ultimately decide which company you’d like to do business with.
Friday, January 18, 2008
All About Auto insurance companies
Sometimes, it may happen that you have an auto insurance company that you are using, but you may have missed out on a premium payment. This may not be much reason to worry as most auto insurance companies usually give their clients a grace period, though the exact period is dependent on the auto insurance company as well as the guidelines they are governed by.
No-Fault Policies
You may also find that there are some auto insurance companies that have a no-fault car insurance clause, while others may not. The reason why some companies have this kind of policy while others do not is because they need to abide by the laws of the state, and not every state has a no-fault insurance policy requirement.
If you are a driver that requires liability insurance, the auto insurance companies usually will give to you forms known as SR-22 that are used to get driver’s licenses that have been suspended or revoked to be reinstated. Such a requirement is accompanied with the auto insurance company informing the state should you cancel or forget to pay or terminate your insurance policy.
If your insurance company does not provide the SR-22 forms you will be deemed to be a high-risk, which means you will need to go to a company with this facility; otherwise you may not be able to get your auto insured. Before you are able to find the best auto insurance companies you will need to investigate a number of different variables regarding how each company compares to the others in their offerings.
You will only have touched half of the necessary factors if you only go by premium rates and overall rates. You will also need to find the right auto insurance company that provides proper coverage as well as liability and compare the rates across the gamut of such companies. You will no doubt be aware of Esurance, which is a major American auto insurance company, and closely following this insurance company is Progressive Insurance that provides comparisons to the competing companies on its website, and also claims that it can give you a quote in just eight minutes flat.
Other notable auto insurance companies include GEICO Direct, 21st Century Insurance, Comparison Market, as well as American Automobile Association, Car Insurance Quotes, Mercury Insurance Group as also National Motor Club and Hagerty Insurance. These are companies that have similar systems though the competition among them is stiff, which means you may have to haggle with them before getting a good deal.
No-Fault Policies
You may also find that there are some auto insurance companies that have a no-fault car insurance clause, while others may not. The reason why some companies have this kind of policy while others do not is because they need to abide by the laws of the state, and not every state has a no-fault insurance policy requirement.
If you are a driver that requires liability insurance, the auto insurance companies usually will give to you forms known as SR-22 that are used to get driver’s licenses that have been suspended or revoked to be reinstated. Such a requirement is accompanied with the auto insurance company informing the state should you cancel or forget to pay or terminate your insurance policy.
If your insurance company does not provide the SR-22 forms you will be deemed to be a high-risk, which means you will need to go to a company with this facility; otherwise you may not be able to get your auto insured. Before you are able to find the best auto insurance companies you will need to investigate a number of different variables regarding how each company compares to the others in their offerings.
You will only have touched half of the necessary factors if you only go by premium rates and overall rates. You will also need to find the right auto insurance company that provides proper coverage as well as liability and compare the rates across the gamut of such companies. You will no doubt be aware of Esurance, which is a major American auto insurance company, and closely following this insurance company is Progressive Insurance that provides comparisons to the competing companies on its website, and also claims that it can give you a quote in just eight minutes flat.
Other notable auto insurance companies include GEICO Direct, 21st Century Insurance, Comparison Market, as well as American Automobile Association, Car Insurance Quotes, Mercury Insurance Group as also National Motor Club and Hagerty Insurance. These are companies that have similar systems though the competition among them is stiff, which means you may have to haggle with them before getting a good deal.
Helpful Information When Searching For Auto Insurance Quotes
Imagine what life would be like in Bedrock U.S.A. with Fred, Wilma, Barney, and Betty. Just about everything ends with “saurous” and it is quite the norm to own a dinosaur-dog hybrid thing as a pet. Limestone and animal skins are all the rage, and having your car’s brakes checked out would require a podiatrist instead of a mechanic. Not to mention, getting an auto insurance quote in writing gives new meaning to being set in stone.
Fast forward to this century where your feet get a break from being the brakes and can go back to modeling Reeboks, Uggs, and Minolo Blaniks. Windows, seats, sun roofs, and even steering wheels are all adjustable at the press of a button. And getting an auto insurance quote does not take a chisel and hammer. You can do this online, over the phone, or in person at the agent’s office.
Looking Past The Cover
For some people, shopping for auto insurance quotes can be a rather daunting task. This is partially due to the negative stereotypes insurance companies and salespeople have received in past years. They were seen as multi-million dollar sharks seeking to devour and hoard all of your money. Auto insurance was also viewed as unnecessary. What are the chances of being involved in an accident? There were few new customers who were interested in checking out auto insurance quotes.
Luckily times have changed. Insurance companies are even more focused on being customer friendly than before. More and more in the auto insurance industry are offering good driver incentives, not only as a reward to their current customers but also to attract new drivers. Geico is just one of the companies that is striving to be there when they are most needed; if you are involved in an auto accident, you can expect someone to be there to assist you.
Progressive has been the front runner when it comes to innovative ideas and changes to how auto insurance is done; call or log into their web site for an auto insurance quote and you will also get the rates of up to five other leading insurance companies. The kicker? Progressive is not always the lowest. This is a whole new standard in customer service.
Before you makes any phone calls or online inquiries, make sure you have all the relevant information the agent will need to give you the most accurate auto insurance quote. What do you need?
- The names of everyone who will be on the policy (if more than just yourself)
- Birthdates and current ages of all those on the policy
- The driver’s license numbers, including the state code where it was issued and the expiration date of all to be on the policy.
Fast forward to this century where your feet get a break from being the brakes and can go back to modeling Reeboks, Uggs, and Minolo Blaniks. Windows, seats, sun roofs, and even steering wheels are all adjustable at the press of a button. And getting an auto insurance quote does not take a chisel and hammer. You can do this online, over the phone, or in person at the agent’s office.
Looking Past The Cover
For some people, shopping for auto insurance quotes can be a rather daunting task. This is partially due to the negative stereotypes insurance companies and salespeople have received in past years. They were seen as multi-million dollar sharks seeking to devour and hoard all of your money. Auto insurance was also viewed as unnecessary. What are the chances of being involved in an accident? There were few new customers who were interested in checking out auto insurance quotes.
Luckily times have changed. Insurance companies are even more focused on being customer friendly than before. More and more in the auto insurance industry are offering good driver incentives, not only as a reward to their current customers but also to attract new drivers. Geico is just one of the companies that is striving to be there when they are most needed; if you are involved in an auto accident, you can expect someone to be there to assist you.
Progressive has been the front runner when it comes to innovative ideas and changes to how auto insurance is done; call or log into their web site for an auto insurance quote and you will also get the rates of up to five other leading insurance companies. The kicker? Progressive is not always the lowest. This is a whole new standard in customer service.
Before you makes any phone calls or online inquiries, make sure you have all the relevant information the agent will need to give you the most accurate auto insurance quote. What do you need?
- The names of everyone who will be on the policy (if more than just yourself)
- Birthdates and current ages of all those on the policy
- The driver’s license numbers, including the state code where it was issued and the expiration date of all to be on the policy.
Thursday, August 2, 2007
The Pros And Cons Of Obtaining Instant Auto Insurance Quotes Online
The Internet has made its mark on the shopping world, making it easy to find many things. There are websites dedicated to buying books, movies, even used items that other people don’t want anymore. In addition to material goods, nowadays, you can buy services that aren’t necessarily as tangible, such as auto insurance. One of the great things about shopping around for auto insurance online is that there are a number of websites where you can obtain instant auto insurance quotes.
By obtaining these instant auto insurance quotes, you’ll be able to better save on your auto insurance, which can translate into extra hundreds a year. But there are advantages and disadvantages to this. Let’s explore some of the benefits of instant auto insurance quotes online and how to avoid some of the problems that you run across with them.
The Pros
Of course, the big advantage to obtaining instant auto insurance quotes online is that the speed of the process allows you to compare different auto insurance companies in one evening, often less than that. Instead of wasting your time with calling company after company for a quote, dealing with automated systems, getting placed on hold, and so on, you can enter your information into a web form and get a quote that way. The real speed comes with sites that take your information once and get quotes from multiple companies, allowing you to compare prices at a glance.
And while on the subject of no phones, no calling means no pressure from a salesperson on the other end of the line. This means no haggling, no rebuttals, and more time to do your own research. If you like the idea of making choices for yourself instead of getting convinced by a salesman, obtaining instant auto insurance quotes online is for you.
The Cons
One of the big drawbacks to obtaining instant auto insurance quotes is that usually, you need to give some sort of contact information, like your e-mail address, which will result in spam in your mailbox later. To combat that, look for sites that don’t require you to give that contact info. Another way to at least control where the spam goes is to have a separate e-mail address you keep, separate from your main address, that you enter for this contact info. That way, the spam is at least directed away from your personal account.
The other disadvantage you have when obtaining instant auto insurance quotes online is that some of the sites that compile results for you won’t ask all the questions that each individual company might on their own sites. This can lead to later sticker shock when the actual company gets back to you and quotes you at something higher. To avoid this and get the most accurate results, double check your work by obtaining quotes from the websites of each individual company. Despite these relatively minor disadvantage, the convenience and speed of getting instant auto insurance quotes online make it a great idea if you’re looking for some for your car.
By obtaining these instant auto insurance quotes, you’ll be able to better save on your auto insurance, which can translate into extra hundreds a year. But there are advantages and disadvantages to this. Let’s explore some of the benefits of instant auto insurance quotes online and how to avoid some of the problems that you run across with them.
The Pros
Of course, the big advantage to obtaining instant auto insurance quotes online is that the speed of the process allows you to compare different auto insurance companies in one evening, often less than that. Instead of wasting your time with calling company after company for a quote, dealing with automated systems, getting placed on hold, and so on, you can enter your information into a web form and get a quote that way. The real speed comes with sites that take your information once and get quotes from multiple companies, allowing you to compare prices at a glance.
And while on the subject of no phones, no calling means no pressure from a salesperson on the other end of the line. This means no haggling, no rebuttals, and more time to do your own research. If you like the idea of making choices for yourself instead of getting convinced by a salesman, obtaining instant auto insurance quotes online is for you.
The Cons
One of the big drawbacks to obtaining instant auto insurance quotes is that usually, you need to give some sort of contact information, like your e-mail address, which will result in spam in your mailbox later. To combat that, look for sites that don’t require you to give that contact info. Another way to at least control where the spam goes is to have a separate e-mail address you keep, separate from your main address, that you enter for this contact info. That way, the spam is at least directed away from your personal account.
The other disadvantage you have when obtaining instant auto insurance quotes online is that some of the sites that compile results for you won’t ask all the questions that each individual company might on their own sites. This can lead to later sticker shock when the actual company gets back to you and quotes you at something higher. To avoid this and get the most accurate results, double check your work by obtaining quotes from the websites of each individual company. Despite these relatively minor disadvantage, the convenience and speed of getting instant auto insurance quotes online make it a great idea if you’re looking for some for your car.
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