Are YOU paying too much for auto insurance?

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Are YOU paying too much for auto insurance?"

Transcription

1 PRSRT STD U.S. POSTAGE PAID Permit No. XX Anytown, PA Priority Access Code Enclosed for: PA Driver: John Q. Sample Are YOU paying too much for auto insurance? It s time to take a closer look.

2 Fusura 800 Delaware Avenue, Suite 500 Wilmington, DE Use your Priority Access Code to take advantage of this Special Money-Saving Opportunity. Fusura is a trademark of Fusura, LLC Fusura, LLC. All rights reserved. OA

3 John Q. Sample Spend a few minutes with Fusura TM and you could be looking at money-saving auto insurance rate quotes from companies like these: Compare your current rates with rates from these great companies. PRIORITY ACCESS CODE: XXX-XXX-XXXX Dear John Q. Sample: and more. Like most people, you wonder if you re spending more than you have to for auto insurance. You may be concerned that switching companies for a low price will mean you have to give up service and security. So you don t look too closely at your policy or your premium grit your teeth and pay the bill. Introducing Fusura TM an easy new way to shop for auto insurance. Now you can stop wondering and start saving. Fusura is something new and different. We're an independent insurance agency that gives you the opportunity to shop and compare rates with some of the nation's top insurance companies conveniently in the comfort of your home. Whether you visit us online at or call us toll-free at , we ll help you get unbiased rate quotes from some of the most reliable companies in the industry. In just a few minutes, you'll see just how much you can save. Get expert help in choosing the right protection. The best way to save money on auto insurance is often as simple as buying the right protection. At Fusura, we make it easy for you to evaluate your needs and choose the protection that meets them. Our knowledgeable agents can answer all your questions and help you to make smart decisions. They re true professionals who both understand the insurance industry and are ready to really listen to your needs. Ask for FREE, no-obligation rate quotes from companies you know and trust. A bargain isn t a bargain if you don t get the service and security you deserve. That s why Fusura represents some of the highest-rated companies in the nation. With Fusura, you ll find companies like Prudential Financial, KemperDIRECT, the member companies of AIG, Safeco and Electric Insurance among the insurers we represent. Each one of these companies provides outstanding service and real security, so you know you can count on them. Best of all, each has been rated Excellent or better by A.M. Best, one of the most highly respected and impartial insurance reporting organizations in America. Over, please

4 Decide which company and which coverage is right for you with no pressure. Once you ve asked for and received quotes from the companies Fusura represents, you can examine your quotes at your convenience and make your choice. When you ve made up your mind, we ll make it as easy to buy your insurance as it is to shop and compare. See how much you can save on your auto insurance. We can t promise that everyone will save, but we do know that rate quotes can vary by hundreds of dollars or more. And that means that the potential for saving can be great. So don t hesitate. There s no risk, no obligation and no hard work involved. Come to Fusura and see how much you may be able to save. Visit or call , today. Stop wondering if you re getting a good deal on auto insurance and start saving! Sincerely, George J. Hatton Managing Director Fusura P.S. In just a few short minutes, you should have rate quotes from some of the highest-rated companies in the nation at no cost or obligation and in complete privacy and complete security. So what are you waiting for? See if you can save today! Visit or call and get your free rate comparison today. 800 Delaware Avenue, Suite 500 Wilmington, DE IMPORTANT INFORMATION REGARDING QUOTE INFORMATION AND COVERAGE AVAILABILITY: There is no guarantee that you will be provided a quote by any or all of the participating insurers. Any quote(s) that you are provided will not be firm quotes or offers, but estimates authorized by the insurer based on the information supplied by you. Insurance rates and policies described may not be available to you due to restrictions under applicable state laws, a lack of underwriting approval by the insurer, or other factors. George J. Hatton Agent License Number: A Fusura is a trademark of Fusura, LLC Fusura, LLC. All rights reserved. LA

5 Take a Closer Look at Your Auto Insurance and you may Find a Better Deal with Fusura TM in just a few minutes. John Q. Sample PRIORITY ACCESS CODE: XXX-XXX-XXXX Step 1. List your coverage limits, deductibles and premium below. (For best results keep your policy handy, as well.) Step 2. Go to or call to get insurance information that can help you to determine if your current coverage really meets your needs. Step 3. Answer a few questions and ask for your FREE Quotes. 2-MINUTE WORKSHEET PERSONAL LIABILITY Bodily Injury Liability Covers you for accidental bodily injury which you or someone else driving your car may cause to someone else. Coverage Amount Per Person Property Damage Liability Covers you for accidental property damage you or someone driving your car causes to someone else. This coverage will pay for the repairs to that person's car/property up to the limit of coverage which you have chosen. Uninsured Motorist Provides you with coverage for bodily injury, and in some states property damage, you sustain in an auto accident due to the negligence of a driver who does not have any insurance. It pays up to the limit of coverage you have chosen. VEHICLE COVERAGE Comprehensive (your car) Covers you for damages to your car due to things such as fire, hail, flood, theft or impact with a bird or animal. Per Person Property Deductible Collison (your car) Covers you for damage to your car when it collides with another object, suchas a truck, another car or a tree. Do you also have Emergency Road Service Towing and Labor Coverage Rental Reimbursement Coverage For best results, have your current policy handy when you ask about your rate quotes. Coverages offered may vary by state. See how much you may be able to save. Visit or call right now. Fusura is a trademark of Fusura, LLC Fusura, LLC. All rights reserved. BA

Drive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently.

Drive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently. AUTO INSURANCE Drive confidently With the exception of your home, your car is probably the most valuable thing you own. It s an investment one you rely on every day to commute, shuttle the kids, run errands

More information

The point of this essay is to learn how to assess risk and put an economic value on it!

The point of this essay is to learn how to assess risk and put an economic value on it! Essay 4 1) Write an auto insurance policy for a relative. a)detail the risks involved and how they determine 1) the amount of coverage, and the premium. b) Spread the risk/cost over a larger customer base.

More information

CONSUMER S GUIDE TO AUTO INSURANCE

CONSUMER S GUIDE TO AUTO INSURANCE CONSUMER S GUIDE TO AUTO INSURANCE The Colorado Division of Insurance prepares this booklet to assist you in shopping for auto insurance and to help you understand your Personal Auto Policy. When shopping

More information

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance.

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance. The Instant Insurance Guide: Auto Info and tips for buying automobile and motorcycle insurance in Delaware From Karen Weldin Stewart, CIR-ML Delaware s Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov

More information

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware What To Do If You re In An Accident Stop and keep calm. Do not drive away from an accident. Do not argue with the other driver over the cause. Call an ambulance, if needed. Do what you can to provide first

More information

AUTO/HOME/RENTERS INSURANCE

AUTO/HOME/RENTERS INSURANCE AUTO/HOME/RENTERS INSURANCE (518) 785-1900 or (800) 342-4306, ext. 243 Visit Membership Benefits Program at www.pef.org PEF Membership Benefits Program offers active dues paying PEF members and PEF retirees

More information

NAIC Consumer Shopping Tool for Auto Insurance

NAIC Consumer Shopping Tool for Auto Insurance NAIC Consumer Shopping Tool for Auto Insurance Need Auto Insurance? Here is What You Need to Know. Whether you are buying auto insurance for the first time, or shopping to be sure you are getting the best

More information

made simple Auto Insurance What s included:

made simple Auto Insurance What s included: Auto Insurance made simple What s included: How to read your Allstate Auto Policy Declarations Understanding auto insurance: Coverages Deductibles Coverage limits What to do in case of an accident Frequently

More information

INSURANCE BASICS101 TM %*'9 [[[ EPXEREJGY SVK

INSURANCE BASICS101 TM %*'9 [[[ EPXEREJGY SVK INSURANCE BASICS101 TM This book is intended as a general guide to the topics discussed, and it does not deliver accounting, personal finance, or legal advice. It is not intended, and should not be used,

More information

Auto Insurance for New Mexico s Young Drivers

Auto Insurance for New Mexico s Young Drivers Auto Insurance for New Mexico s Young Drivers Prepared for New Mexico s Young Drivers and Their Parents by: One of the major events in many people s lives is earning the privilege of driving a motor vehicle.

More information

2) If using the Manual Entry Fields you must enter the original cost of the vehicle in the OCN (Original Cost New) field.

2) If using the Manual Entry Fields you must enter the original cost of the vehicle in the OCN (Original Cost New) field. PAGE - VEHICLES 7 8 9 0 ) Select the Year, Make and Model of your vehicle. If not listed, enter the Make, Model and Body type (i.e. car, truck, SUV, etc.) into the Manual Entry Fields. ) If using the Manual

More information

Guide to Knowing Your Auto

Guide to Knowing Your Auto Guide to Knowing Your Auto & Homeowners Insurance Options Presented by: 1 When it comes to insurance, you can never know too much. What type of insurance is available and how much coverage you need? And

More information

When You Have Options, You Can Save Big!

When You Have Options, You Can Save Big! Auto & Home When You Have Options, You Can Save Big! Think about how much you currently pay each year for your auto and homeowner s insurance. What if there were a way to potentially put hundreds of dollars

More information

Home and Automobile Insurance Guide

Home and Automobile Insurance Guide Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined

More information

INSURANCE BASICS (DON T RISK IT)

INSURANCE BASICS (DON T RISK IT) INSURANCE BASICS (DON T RISK IT) WHAT IS INSURANCE? Risk management tool that limits financial loss due to illness, injury or damage in exchange for a premium Shared Risk- Insurance company collects premiums

More information

Automobile Insurance

Automobile Insurance 1.16.1.L1 Note taking guide Automobile Insurance Total Points Earned 41 Total Points Possible Percentage Risk Name Date Class Consumer Automobile insurance Insurance company Deductible Policy Premium LIABILITY

More information

Business Auto Insurance. made simple

Business Auto Insurance. made simple Business Auto Insurance made simple What s inside: How to read an Allstate Business Auto Policy Declarations Understanding business auto insurance: Deductibles Coverage limits Frequently asked questions

More information

Auto Insurance Buyers Guide

Auto Insurance Buyers Guide Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop

More information

Arkansas. Insurance Department AUTOMOBILE INSURANCE. Mike Beebe Governor. Jay Bradford Commissioner

Arkansas. Insurance Department AUTOMOBILE INSURANCE. Mike Beebe Governor. Jay Bradford Commissioner Arkansas Insurance Department AUTOMOBILE INSURANCE Mike Beebe Governor Jay Bradford Commissioner A Message From The Commissioner The Arkansas Insurance Department takes very seriously its mission of consumer

More information

u n i t s i x Insurance: Your Protection Could you afford to pay for the damages you

u n i t s i x Insurance: Your Protection Could you afford to pay for the damages you Unit Six Insurance: Your Protection You're healthy, young, vivacious, and happy. Why in the world would you need insurance? You know the guy who was hit while riding his motorcycle or the girl who broke

More information

motorcycle insurance protecting your dreams

motorcycle insurance protecting your dreams motorcycle insurance protecting your dreams let s ride. The freedom of the open road feels even better the less you have to worry about. But protecting yourself on a cycle involves more than leather and

More information

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department Automobile Insurance Mississippi Insurance Department 1 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance Commissioners Insurance Products & Services

More information

/1234512345/ The Added Benefits Program for Alcatel-Lucent Employees. With Comparative Rater, auto insurance comparison shopping

/1234512345/ The Added Benefits Program for Alcatel-Lucent Employees. With Comparative Rater, auto insurance comparison shopping AME247-EMP /1234512345/ John Q. Sample Address Line 1 Address Line 2 Anytown, USA 12345-0000 With Comparative Rater, auto insurance comparison shopping and potential savings are just a click away. 99 Park

More information

6 Ways To Save Money On Auto Insurance In Ontario

6 Ways To Save Money On Auto Insurance In Ontario 6 Ways To Save Money On Auto Insurance In Ontario 6 Ways to Save Money on Auto Insurance in Ontario Contents Contents 01 Introduction 03 Auto Insurance 101 Mandatory Coverages 05 Auto Insurance 101 Optional

More information

Auto Insurance. » Make sure you have sufficient liability insurance in the event that someone decides to sue you for everything and then some.

Auto Insurance. » Make sure you have sufficient liability insurance in the event that someone decides to sue you for everything and then some. Auto Insurance What it is and why it is important Beyond being a prerequisite to legally drive a car, auto insurance is essential to protecting your assets if they re threatened by an accident, natural

More information

Automobile Insurance Guide

Automobile Insurance Guide Automobile Insurance Guide Page 1 Simply stated, automobile insurance is a contract between you and your insurance company that protects you against financial loss if you are in an accident. Auto policies

More information

Business Auto Insurance (Not in Text)

Business Auto Insurance (Not in Text) Business Auto Insurance (Not in Text) Overview I. Covered Autos II. III. IV. Liability Physical Damage Conditions V. Additional Coverages and Endorsements I. Covered Autos business auto form provides flexibility

More information

Presentation Slides. Lesson Nine. Cars and Loans 04/09

Presentation Slides. Lesson Nine. Cars and Loans 04/09 Presentation Slides $ Lesson Nine Cars and Loans 04/09 costs of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit)

More information

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department A Shopping Tool for Automobile Insurance Mississippi Insurance Department 1 A Shopping Tool for 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance

More information

a consumers guide to No-Fault Automobile Insurance in Michigan

a consumers guide to No-Fault Automobile Insurance in Michigan a consumers guide to No-Fault Automobile Insurance in Michigan No-Fault Automobile Insurance in Michigan The Michigan no-fault system was adopted in 1973 to increase the level of benefits paid to injured

More information

Gerber Life Insurance Company

Gerber Life Insurance Company Home Office: White Plains, NY 10605 *Source: Life and Health Insurance Foundation for Education Nearly 50 million Americans don't have enough life insurance*. Are you one of them? Gerber Life Family Promise

More information

Auto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help

Auto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help Questions piling up on Auto Insurance? Why do I need automobile insurance? First, it s the law. Illinois law requires all motor vehicle owners to have certain auto insurance coverages. There may be others

More information

All About Auto Insurance

All About Auto Insurance All About Auto Insurance The legal responsibility involved when you are in a car accident is extraordinary. Basically, if you hurt someone else while driving, there s no limit to the amount he or she can

More information

Business Auto Insurance

Business Auto Insurance Business Auto Insurance Overview of Chapter 5, CPCU 4 I. Covered Autos II. III. IV. Liability Physical Damage Conditions V. Additional Coverages and Endorsements I. Covered Autos - common definition -

More information

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance 1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California

More information

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up

More information

The Great American Trucking Story

The Great American Trucking Story Trucking Division The Great American Trucking Story In recent years, a number of top motor carriers leaders in the trucking industry have chosen to offer Great American s insurance products to the independent

More information

CHOICES: Insurance Rate Comparison Search Systems. Auto Insurance. Instructions/User Guide

CHOICES: Insurance Rate Comparison Search Systems. Auto Insurance. Instructions/User Guide CHOICES: Insurance Rate Comparison Search Systems Auto Insurance Instructions/User Guide April 2014 Table of Contents Step 1 Select an Example... 3 Step 2 Select by County or Company... 4 By County...

More information

AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS

AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS A STEP-BY-STEP GUIDE FOR HANDLING A VEHICLE PROPERTY DAMAGE CLAIM WITHOUT HIRING AN ATTORNEY. Not every car wreck results in an injury. In cases where an accident

More information

Should I submit a claim or not? How do you know whether or not you should bother submitting an Insurance Claim?

Should I submit a claim or not? How do you know whether or not you should bother submitting an Insurance Claim? Should I submit a claim or not? How do you know whether or not you should bother submitting an Insurance Claim? First, let s talk about Auto Insurance Claims. These claims are a little tricky, so it s

More information

BUSINESS INSURANCE FAQ

BUSINESS INSURANCE FAQ BUSINESS INSURANCE FAQ Q: What is Business Insurance? A: We strive to understand your risk tolerance and financial ability to withstand the spectrum of potential losses and develop insurance programs to

More information

Your Guide to Auto Insurance Premiums

Your Guide to Auto Insurance Premiums INSURANCE FACTS for Pennsylvania Consumers Your Guide to Auto Insurance Premiums 1-877-881-6388 Toll-free Automated Consumer Line www.insurance.state.pa.us Pennsylvnaia Insurance Department Website Required

More information

Understanding your auto claim

Understanding your auto claim Understanding your auto claim Filing a claim Immediately notify the police of an accident that damaged other s property or if you were the victim of a hitand-run accident, uninsured motorist, vandalism

More information

UNITED SERVICES AUTOMOBILE ASSOCIATION NEW JERSEY AUTO INSURANCE BUYER'S GUIDE

UNITED SERVICES AUTOMOBILE ASSOCIATION NEW JERSEY AUTO INSURANCE BUYER'S GUIDE UNITED SERVICES AUTOMOBILE ASSOCIATION NEW JERSEY AUTO INSURANCE BUYER'S GUIDE New Jersey Department of Banking and Insurance 999NJ(31) Rev. 6-04 Page 1 of 10 WHAT'S INSIDE WHERE DO I START? PAGE 2 UNDERSTANDING

More information

FIS-PUB 0077 (6/13) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper

FIS-PUB 0077 (6/13) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper DIFS is an equal opportunity employer/program. Auxiliary aids, services and other reasonable accommodations are available upon request to individuals with disabilities. FIS-PUB 0077 (6/13) Number of copies

More information

You just realized that with work, school, sports and other obligations you REALLY need a set of wheels.

You just realized that with work, school, sports and other obligations you REALLY need a set of wheels. Introduction You just realized that with work, school, sports and other obligations you REALLY need a set of wheels. But what is it going to cost? And Your budget only allows you 400 a month! And you have

More information

Motorcycle Insurance. made simple

Motorcycle Insurance. made simple Motorcycle Insurance made simple What s inside: How to read your Allstate Motorcycle Policy Declarations Understanding motorcycle insurance: Coverages Deductibles Coverage limits What to do in case of

More information

NEW JERSEY AUTO SUPPLEMENT

NEW JERSEY AUTO SUPPLEMENT AGENCY AGENCY CUSTOMER ID: NEW JERSEY AUTO SUPPLEMENT NAMED INSURED(S) POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE NEW JERSEY AUTO INSURANCE BUYER'S GUIDE New Jersey Department of Banking and Insurance

More information

A few tips to ensure that you claim correctly and receive your money as quickly as possible:

A few tips to ensure that you claim correctly and receive your money as quickly as possible: Car Insurance How can I keep my car insurance costs low? The first thing to do is bargain shop to make sure that the rates you are getting are reasonable in comparison to other companies. Within the policy

More information

insurance auto insurance

insurance auto insurance insurance auto insurance our mission The mission of The USAA Educational Foundation is to help consumers make informed decisions by providing information on financial management, safety concerns and significant

More information

auto insurance protecting your dreams

auto insurance protecting your dreams auto insurance protecting your dreams Every day your car takes you from Point to Point and points in between. You re headed somewhere school, work, or to pick up some groceries. Visiting friends, a weekend

More information

MANITOBA PRESTIGE AUTO INSURANCE

MANITOBA PRESTIGE AUTO INSURANCE Page License Plate Insurance... 2 Why Plate Insurance Isn t Enough... 2 Added Liability Protection... 3 Family Protection Coverage... 3 Vehicle Damage Deductible... 3 Seasonal Lay-Up Coverage... 3 Non-Owned

More information

WHERE TO GET MORE INFORMATION AND HELP

WHERE TO GET MORE INFORMATION AND HELP WHERE TO GET MORE INFORMATION AND HELP This Buyer's Guide is intended to provide general information to help you make coverage choices. It is not a substitute for the policy language, which governs. Additional

More information

Automobile Insurance Grade Level 9-12

Automobile Insurance Grade Level 9-12 Automobile Insurance Grade Level 9-12 Take Charge of Your Finances Materials provided by: Cynthia Barnes, Family and Consumer Sciences Educator, Beaverhead County High School, Dillon, Montana Time to complete:

More information

NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Chris Christie Governor. Kim Guadagno Lt. Governor. Commissioner

NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Chris Christie Governor. Kim Guadagno Lt. Governor. Commissioner NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Commissioner WHERE DO I START?... 1 UNDERSTANDING YOUR POLICY... 2-6 Types of Coverages Standard and Basic Policies

More information

All about. auto. insurance

All about. auto. insurance All about auto insurance Legal Deposit Bibliothèque et Archives nationales du Québec, 2011 Legal Deposit Library and Archives Canada, 2011 Table of contents Buying auto insurance 4 Who is insured? 4 Who

More information

Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: Auto. Insurance 5451-41922-19

Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: Auto. Insurance 5451-41922-19 Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: Auto Insurance 5451-41922-19 Q U A L I T Y Day or night. You re covered, with AAA. Whatever you drive,

More information

NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Jon S. Corzine Governor. Steven M. Goldman Commissioner

NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Jon S. Corzine Governor. Steven M. Goldman Commissioner NEW JERSEY AUTO INSURANCE BUYER S GUIDE Jon S. Corzine Governor Steven M. Goldman Commissioner WHERE DO I START?... 1 UNDERSTANDING YOUR POLICY... 2-6 Types of Coverages Standard and Basic Policies What

More information

Liberty Mutual Insurance 101

Liberty Mutual Insurance 101 Liberty Mutual Insurance 101 Don t be penny Wise and Pound foolish Liberty Mutual Insurance 101 Personal Insurance 101 - Auto Insurance - Home/Renters Insurance Liberty Mutual Insurance 101 Auto Insurance.

More information

Arkansas. Arkansas. Insurance Department. Insurance Department AUTOMOBILE INSURANCE. For more information contact: Allen Kerr Commissioner

Arkansas. Arkansas. Insurance Department. Insurance Department AUTOMOBILE INSURANCE. For more information contact: Allen Kerr Commissioner For more information contact: Arkansas Insurance Department Arkansas Insurance Department AUTOMOBILE INSURANCE Asa Hutchinson Governor Allen Kerr Commissioner Consumer Services Division 1200 W. Third Street,

More information

Educational Guide to Automobile Insurance

Educational Guide to Automobile Insurance Educational Guide to Automobile Insurance Who needs auto insurance? Suppose you have an auto accident and you hurt or kill someone, damage someone else s property or damage your own car. If you are found

More information

NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* PL-50074 (03-12) Page 1 of 9 000001/00000 S1347I03 7668 07/23/12

NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* PL-50074 (03-12) Page 1 of 9 000001/00000 S1347I03 7668 07/23/12 NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* 000001/00000 S1347I03 7668 07/23/12 PL-50074 (03-12) Page 1 of 9 WHAT S INSIDE WHERE DO I START?... UNDERSTANDING YOUR POLICY... Types of Coverage

More information

AUTO Insurance. Survival Guide. A guide to helping you choose the RIGHT insurance at the RIGHT price. Brought to you by Empire Region Insurance Agency

AUTO Insurance. Survival Guide. A guide to helping you choose the RIGHT insurance at the RIGHT price. Brought to you by Empire Region Insurance Agency AUTO Insurance Survival Guide A guide to helping you choose the RIGHT insurance at the RIGHT price. Brought to you by Empire Region Insurance Agency 4 Avis Drive Suite 108 Latham, NY 12110 www.empireregioninsurance.com

More information

A Consumer s Guide Quick

A Consumer s Guide Quick A Consumer s Quick Guide Headquartered in Kansas City, Mo., the National Association of Insurance Commissioners (NAIC) is a voluntary organization of the chief insurance regulatory officials of the 50

More information

DIVISION OF INSURANCE

DIVISION OF INSURANCE Alaska Consumer Guide to Auto Insurance State of Alaska Department of Commerce, Community, and Economic Development DIVISION OF INSURANCE About the Alaska Division of Insurance The Alaska Division of Insurance

More information

Automobile Insurance 1

Automobile Insurance 1 FCS7020 Automobile Insurance 1 Nayda I. Torres and Josephine Turner 2 An automobile is often the most expensive property that people own, next to a home. As a result, protection against loss of an automobile

More information

NEW JERSEY AUTO INSURANCE, BUYER S GUIDE

NEW JERSEY AUTO INSURANCE, BUYER S GUIDE NEW JERSEY AUTO INSURANCE, BUYER S GUIDE BG-NJ (1/14) WHAT'S INSIDE WHEREDOISTART?...1 UNDERSTANDING YOUR POLICY...2 Types of Coverages Standard and Basic Policies What are Limits and Deductibles? UNDERSTANDING

More information

Does Automobile Insurance Follow the Car or the Driver?

Does Automobile Insurance Follow the Car or the Driver? Page 1 of 6 View this article online: http://www.claimsjournal.com/news/national/2014/06/05/249762.htm Does Automobile Insurance Follow the Car or the Driver? By Gary Wickert June 5, 2014 Article 2 Comments

More information

Auto, Homeowners, Medical and Life Insurance. Dollars and Sense

Auto, Homeowners, Medical and Life Insurance. Dollars and Sense Auto, Homeowners, Medical and Life Insurance Dollars and Sense Copyright Copyright Texas Education Agency, 2014. These Materials are copyrighted and trademarked as the property of the Texas Education Agency

More information

The Game of Life Purchasing Auto Insurance Updated: 2016-02-10

The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 One of the most common experiences young adults encounter can be one of the most mysterious: purchasing auto insurance. It might not seem

More information

Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk

Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk Section 14-1 Insurance Basics Define Risk Management. Define Shared Risk. How do insurance companies

More information

Auto insurance basics

Auto insurance basics Auto insurance basics By Nicholas Schidowka, President Insurance Cleveland Agency, LLC As an automobile owner and driver, most states require you to purchase car insurance. When buying a car insurance

More information

lesson nine cars and loans overheads

lesson nine cars and loans overheads lesson nine cars and loans overheads the cost of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit) Insurance Registration

More information

Auto Insurance Life Advice

Auto Insurance Life Advice Auto Insurance Life Advice Choosing the policy that meets your needs Driving is a privilege, but it comes with a price. There s the cost to purchase a vehicle, maintenance, repairs, fuel, and, of course,

More information

CONSUMERS GUIDE TO AUTO INSURANCE PRESENTED TO YOU THE DEPARTMENT OF BUSINESS REGULATION INSURANCE DIVISION 1511 PONTIAC AVENUE, BLDG 69-2

CONSUMERS GUIDE TO AUTO INSURANCE PRESENTED TO YOU THE DEPARTMENT OF BUSINESS REGULATION INSURANCE DIVISION 1511 PONTIAC AVENUE, BLDG 69-2 CONSUMERS GUIDE TO AUTO INSURANCE PRESENTED TO YOU BY THE DEPARTMENT OF BUSINESS REGULATION INSURANCE DIVISION 1511 PONTIAC AVENUE, BLDG 69-2 CRANSTON, RI 02920 TELEPHONE 401-462-9520 www.dbr.ri.gov Joseph

More information

New Jersey AUTO INSURANCE

New Jersey AUTO INSURANCE New Jersey AUTO INSURANCE Buyer s Guide Chris Christie Governor Kim Guadagno Lt. Governor Ken Kobylowski Commissioner NJM Insurance Group offers personal auto insurance in the voluntary market through

More information

Chapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance

Chapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance Chapter 10 Property and Motor Vehicle Insurance McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 10-1 Chapter 10 Learning Objectives 1. Develop a risk management

More information

NEW JERSEY AUTO INSURANCE

NEW JERSEY AUTO INSURANCE NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Richard J. Badolato Acting Commissioner NJM Insurance Group offers personal auto insurance in the voluntary market

More information

Accident Injuries and Your Car Insurance

Accident Injuries and Your Car Insurance Personal Injury Wrongful Death Slip & Fall Automobile Accidents Trucking Accidents Motorcycle Accidents Medical Malpractice Criminal Defense Accident Injuries and Your Car Insurance Critical Details You

More information

Teacher's Guide. Lesson Nine. Cars and Loans 04/09

Teacher's Guide. Lesson Nine. Cars and Loans 04/09 Teacher's Guide $ Lesson Nine Cars and Loans 04/09 cars and loans websites Being prepared is the best way to keep car-buying choices and decisions on the right track. Students need to examine all aspects

More information

Student Activities. Lesson Nine. Cars and Loans 04/09

Student Activities. Lesson Nine. Cars and Loans 04/09 Student Activities $ Lesson Nine Cars and Loans 04/09 operating costs of a motor vehicle model year make, size, model fixed costs Depreciation: Purchase price $ divided by estimated life years $ Annual

More information

Presentation Slides. Lesson Eight. Cars and Loans 04/09

Presentation Slides. Lesson Eight. Cars and Loans 04/09 Presentation Slides $ Lesson Eight Cars and Loans 04/09 the costs of owning and operating a car Ownership (fixed) costs: Purchase price Sales tax Registration fee, title, and license Financing costs Insurance

More information

Travelers Auto and Home Insurance Program. Enhance your member benefits, not your costs.

Travelers Auto and Home Insurance Program. Enhance your member benefits, not your costs. Travelers Auto and Home Insurance Program Enhance your member benefits, not your costs. A Plan for Your Credit Union Enhance your benefits program, not your costs It s a fact. Good benefits programs help

More information

BUYING CAR INSURANCE IN SOUTH CAROLINA

BUYING CAR INSURANCE IN SOUTH CAROLINA BUYING CAR INSURANCE IN SOUTH CAROLINA Do you think your Auto Policy Protects You and Your Family For the Road Ahead? The Truth May Surprise You. Goose Creek 103 Laurel Ave. Goose Creek, SC 29445 Phone:

More information

Travelers Auto and Home Insurance Program

Travelers Auto and Home Insurance Program Travelers Auto and Home Insurance Program ENHANCE YOUR CREDIT UNION MEMBER BENEFITS, NOT YOUR COSTS A plan for your credit union Enhance your member benefits, not your costs It s a fact. Good member benefits

More information

2015 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables

2015 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables 2015 As required by law, the Utah Insurance Department has prepared this guide to auto and homeowners insurance. This annual guide provides general information about auto and homeowners insurance, and

More information

Insurance for Owner-Operators and Small Businesses

Insurance for Owner-Operators and Small Businesses Insurance for Owner-Operators and Small Businesses Truck Insurance You Can Trust Did you know that as a Daimler Truck Financial (DTF) customer you can receive some of the best truck and business protection

More information

Frequently Asked Questions Auto Insurance

Frequently Asked Questions Auto Insurance STATE OF WISCONSIN Frequently Asked Questions Auto Insurance OFFICE OF THE COMMISSIONER OF INSURANCE PI-233 (C 03/2015) The Automobile Insurance Policy (page 1) Wisconsin's Financial Responsibility Law

More information

A Consumer s Guide 6/2/11 AUT- PP

A Consumer s Guide 6/2/11 AUT- PP t rin ep N ot fo rr A Consumer s Guide AUT- PP 6/2/11 About the NAIC The National Association of Insurance Commissioners (NAIC) is the oldest association of state government officials. Its members consist

More information

COMMERCIAL PPA EDITION

COMMERCIAL PPA EDITION NEW JERSEY AUTO INSURANCE BUYER S GUIDE COMMERCIAL PPA EDITION For Individually Owned Private Passenger Automobiles Written on Commercial Insurance Policies WHAT S INSIDE WHERE DO I START?...PAGE 2 UNDERSTANDING

More information

AUTOMOBILE INSURANCE HOW MUCH COVERAGE DO I NEED?

AUTOMOBILE INSURANCE HOW MUCH COVERAGE DO I NEED? HM 680 April 1991 $ $$ Southern Selection AUTOMOBILE INSURANCE HOW MUCH COVERAGE DO I NEED? You may not realize how much you rely on your car until something happens and you are unable to use it. You cannot

More information

Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide

Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide and answers about Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide My automobile policy was canceled because I did not pay my premium on time. Is this legal? Yes. If

More information

CHOOSING YOUR AUTOMOBILE INSURANCE POLICY. Ways to Save Money

CHOOSING YOUR AUTOMOBILE INSURANCE POLICY. Ways to Save Money 1 CHOOSING YOUR A helpful guide when selecting automobile insurance, including local rates and common questions. Factors that Affect Premiums: Insurance companies use a variety of factors to determine

More information

1. What types of damages could you cause while you are driving?

1. What types of damages could you cause while you are driving? Bellwork 1-9-15 Never lend your car to anyone to whom you have given birth. Erma Bombeck, Humor Writer 1. What types of damages could you cause while you are driving? 2. Do you know how much auto body

More information

Insuring. vehicle. your. A guide to the principles of motor vehicle insurance to help you choose the cover you need.

Insuring. vehicle. your. A guide to the principles of motor vehicle insurance to help you choose the cover you need. Insuring your vehicle A guide to the principles of motor vehicle insurance to help you choose the cover you need. Motor vehicle insurance the facts There are three types of general insurance that cover

More information

A CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of Insurance

More information

Car Costs ASSESSMENT ONE: Assessment #1

Car Costs ASSESSMENT ONE: Assessment #1 Assessment #1 ASSESSMENT ONE: Knowledge ο T / F You must register your car with the Department of Motor Vehicles (DMV) once every two years. ο T / F Being able to afford a car involves more than being

More information

CHOOSING YOUR AUTOMOBILE INSURANCE POLICY. Ways to Save Money

CHOOSING YOUR AUTOMOBILE INSURANCE POLICY. Ways to Save Money 1 CHOOSING YOUR A helpful guide when selecting automobile insurance, including local rates and common questions. Factors that Affect Premiums: Insurance companies use a variety of factors to determine

More information

Iowa. Auto Insurance Shopper s Guide

Iowa. Auto Insurance Shopper s Guide 2012 Iowa Auto Insurance Shopper s Guide Basic information about auto insurance policies and premiums Rate comparisons by age, gender and location Frequently asked questions Iowa Insurance Division Auto

More information