How to Pick the Right Car Insurance Company for You

Size: px
Start display at page:

Download "How to Pick the Right Car Insurance Company for You"

Transcription

1 How to Pick the Right Car Insurance Company for You Car insurance is a necessity, and many times required by area laws. Choosing reliable coverage, and the fair insurance company to work with can set aside a family hundreds of dollars. Families have the choice between different coverage options, but also as to how distinguished they are willing to employ a year on car insurance for every driver in the household. With some research, money can be saved when shopping for car insurance. So how do you catch the best car insurance company? First, witness that the best may have a different meaning for you. Are you looking for the lowest heed, or the most coverage available? When researching car insurance companies most people weigh the coverage options with the note of the policy. Employ time researching car insurance companies, and comparing quotes to win the best match for your family. What Is Included In Your Policy? The first step to finding the best car insurance company is intelligent what exactly you wish for them to insure. Are you looking for rental car insurance to be included in the policy? How about the amount allowed for medical bill expenses? Is it considerable for you to have a higher bodily injury coverage, or are you perhaps looking for liability coverage only? Cost of Premiums and Deductibles Shopping around for car insurance is a spacious map to rep crude premiums, but for the same coverage that an overpriced competitor is offering. Car insurance premiums can be made to fit, which is why the first tip is so critical. Customizing a car insurance quote to fit your needs can increase or decrease premiums. Also, research the amount of deductibles required by the car insurance company. Will you only have to pay $500 deductible for vehicle repairs, or will you be responsible for a percentage of repair costs? Premium and deductible numbers can add up in savings, as long as you do the research. What Kind of Vehicle Is Being Insured?

2 As a car owner and insurance policy holder, it is your job to properly express the car insurance agency of vehicle makes, models and any credit loans being tied to the particular vehicle. Determined vehicle types, such as sports cars, can be expensive to insure. Additionally, vehicles that have titles tied to car loans and are tranquil being paid off will require full-coverage. Car Insurance Company Discounts Every car insurance company offers discounts and incentives for fresh customers. These discounts can establish you a lot of money, as long you qualify. For example, insurance companies that provide you with a home insurance policy can offer a discount for a fresh car insurance policy. Or you can qualify for discounts for being a beneficial driver, which usually means no traffic accidents or tickets for long periods of time. Free Online Car Insurance Quotes Grasp advantage of recent technology, specifically the internet and online searches for car insurance policies. Larger car insurance companies offer free online quotes, which can be done like a flash through online forms. The forms would ask for driver information, as well as vehicle details in order to form an insurance quote. There is no obligation to signup, or to pay for car insurance. You can expend the free online quotes as references, and compare them. Speak To Car Insurance Agents A common plan to search for car insurance quotes will always be to talk directly to an agent. Car insurance companies have agents that are salesmen, but are also supposed to be your point of contact when there is an insurance distress. Ask yourself if you are able to work with this person, or if they will satisfy you as a car insurance customer. Look For Hidden Fees When looking for car insurance coverage always read the graceful print. Some car insurance agents will ask for broker fees, which rewards them for signing you up as an original customer.

3 Car insurance shopping should be researches, and all options such as free internet quotes should be utilized. Research can pay off, especially if you arrive prepared by brilliant what sort of coverage options you re looking for. Saving money on car insurance policies is easy, as long as you are willing to exercise time looking for the best car insurance option for your family. Car insurance is a necessity, and many times required by region laws. Choosing favorable coverage, and the apt insurance company to work with can assign a family hundreds of dollars. Families have the choice between different coverage options, but also as to how distinguished they are willing to exercise a year on car insurance for every driver in the household. With some research, money can be saved when shopping for car insurance. So how do you secure the best car insurance company? First, behold that the best may have a different meaning for you. Are you looking for the lowest tag, or the most coverage available? When researching car insurance companies most people weigh the coverage options with the impress of the policy. Employ time researching car insurance companies, and comparing quotes to gather the best match for your family. What Is Included In Your Policy? The first step to finding the best car insurance company is sparkling what exactly you wish for them to insure. Are you looking for rental car insurance to be included in the policy? How about the amount allowed for medical bill expenses? Is it well-known for you to have a higher bodily injury coverage, or are you perhaps looking for liability coverage only? Cost of Premiums and Deductibles Shopping around for car insurance is a large plan to glean improper premiums, but for the same coverage that an overpriced competitor is offering. Car insurance premiums can be made to fit, which is why the first tip is so necessary. Customizing a car insurance quote to fit your needs can increase or decrease premiums. Also, research the amount of deductibles required by the car insurance company. Will you only have to pay $500 deductible for vehicle repairs, or will you be responsible for a percentage of repair costs? Premium and deductible numbers can add up in savings, as long as you do the research.

4 What Kind of Vehicle Is Being Insured? As a car owner and insurance policy holder, it is your job to properly convey the car insurance agency of vehicle makes, models and any credit loans being tied to the particular vehicle. Clear vehicle types, such as sports cars, can be expensive to insure. Additionally, vehicles that have titles tied to car loans and are aloof being paid off will require full-coverage. Car Insurance Company Discounts Every car insurance company offers discounts and incentives for fresh customers. These discounts can affect you a lot of money, as long you qualify. For example, insurance companies that provide you with a home insurance policy can offer a discount for a fresh car insurance policy. Or you can qualify for discounts for being a favorable driver, which usually means no traffic accidents or tickets for long periods of time. Free Online Car Insurance Quotes Steal advantage of current technology, specifically the internet and online searches for car insurance policies. Larger car insurance companies offer free online quotes, which can be done expeditiously through online forms. The forms would ask for driver information, as well as vehicle details in order to accomplish an insurance quote. There is no obligation to signup, or to pay for car insurance. You can employ the free online quotes as references, and compare them. Speak To Car Insurance Agents A well-liked procedure to search for car insurance quotes will always be to talk directly to an agent. Car insurance companies have agents that are salesmen, but are also supposed to be your point of contact when there is an insurance wretchedness. Ask yourself if you are able to work with this person, or if they will satisfy you as a car insurance customer. Look For Hidden Fees When looking for car insurance coverage always read the stunning print. Some car insurance agents will ask for broker fees, which rewards them for signing you up as a current customer.

5 Car insurance shopping should be researches, and all options such as free internet quotes should be utilized. Research can pay off, especially if you arrive prepared by bright what sort of coverage options you re looking for. Saving money on car insurance policies is easy, as long as you are willing to exercise time looking for the best car insurance option for your family.

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

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

TEACHER GUIDE 11.3 RISK MANAGEMENT AND INSURANCE PAGE 1

TEACHER GUIDE 11.3 RISK MANAGEMENT AND INSURANCE PAGE 1 TEACHER GUIDE 11.3 RISK MANAGEMENT AND INSURANCE PAGE 1 Standard 11: The student will describe and explain how various types of insurance can be used to manage risk. Using Insurance to Manage Risk Priority

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

insurance policy I m in the driver s seat!

insurance policy I m in the driver s seat! My first car insurance policy I m in the driver s seat! Car insurance is mandatory! Mandatory Car insurance primarily covers damage you could cause to others. It s called civil liability. Do you own a

More information

Safe Driver Insurance Plan

Safe Driver Insurance Plan Safe Driver Insurance Plan The Safe Driver Insurance Plan (SDIP) is a program created by state law that encourages safe driving with lower premiums for drivers who do not cause accidents or commit traffic

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

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

A Consumer s Guide to: Auto Insurance. Choosing and using your auto insurance coverage. Washington State Office of the Insurance Commissioner

A Consumer s Guide to: Auto Insurance. Choosing and using your auto insurance coverage. Washington State Office of the Insurance Commissioner A Consumer s Guide to: Auto Insurance Choosing and using your auto insurance coverage Washington State Office of the Insurance Commissioner Washington State www.insurance.wa.gov Office of the 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

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

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

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 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

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

Lundgren & Young Insurance Ltd. is pleased to offer you an additional benefit of membership of the Calgary Chamber of Commerce

Lundgren & Young Insurance Ltd. is pleased to offer you an additional benefit of membership of the Calgary Chamber of Commerce Lundgren & Young Insurance Ltd. is pleased to offer you an additional benefit of membership of the Calgary Chamber of Commerce Home and Auto Insurance Group Insurance Plan for: Chamber Members and their

More information

TOP WAYS TO SAVE MONEY ON YOUR INSURANCE

TOP WAYS TO SAVE MONEY ON YOUR INSURANCE TOP WAYS TO SAVE MONEY ON YOUR INSURANCE It is a fact of life that insurance is an absolute necessity to ensure a healthy, happy, and low-stress life. However, as premiums are on the rise it is getting

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. 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 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

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

Financial Responsibility. Costs of Owning a Vehicle Trip Planning

Financial Responsibility. Costs of Owning a Vehicle Trip Planning Mod 10 Financial Responsibility Buying a Used Vehicle Costs of Owning a Vehicle Trip Planning Financial Responsibility Law $ Minimum liability coverage $ $500 Uninsured motorist fee Virginia Auto Insurance

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

APPLYING FOR AUTO INSURANCE. What do I need to know to fill out an automobile insurance application?

APPLYING FOR AUTO INSURANCE. What do I need to know to fill out an automobile insurance application? APPLYING FOR AUTO INSURANCE What do I need to know to fill out an automobile insurance application? Here is some of the information you ll need to provide on an automobile insurance application: 1. Vehicle

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. Choosing and using your auto insurance coverage. Office of the Washington State Insurance Commissioner

Auto Insurance. Choosing and using your auto insurance coverage. Office of the Washington State Insurance Commissioner Consumer s Guide to Auto Insurance Choosing and using your auto insurance coverage Office of the Washington State Insurance Commissioner Message from the Insurance Commissioner: Auto insurance is one of

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

Auto Insurance. Consumer Decision Making Contest. 2001-2002 Study Guide

Auto Insurance. Consumer Decision Making Contest. 2001-2002 Study Guide Consumer Decision Making Contest 2001-2002 Study Guide Auto Insurance (Editor s Note: The terms, auto insurance and car will be used throughout the guide and apply to all types of motor vehicles: cars,

More information

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

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

A Consumer s Auto Insurance Guide

A Consumer s Auto Insurance Guide Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product

More information

A Consumer s Auto Insurance Guide

A Consumer s Auto Insurance Guide Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product

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

NEFE High School Financial Planning Program Unit 6 Your Money: Keeping it Safe and Secure. Unit 6 - Insurance: Protecting What You Have

NEFE High School Financial Planning Program Unit 6 Your Money: Keeping it Safe and Secure. Unit 6 - Insurance: Protecting What You Have Unit 6 - Insurance: Protecting What You Have Common Exposures to Loss Exposure Risk Potential Loss Accident or Illness Loss of income from inability to work; uninsured medical bills; death UNLIMITED Property

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

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

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

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

WHAT HAPPENS AFTER A FLORIDA CAR ACCIDENT?

WHAT HAPPENS AFTER A FLORIDA CAR ACCIDENT? WHAT HAPPENS AFTER A FLORIDA CAR ACCIDENT? This free EBook provides answers to car accident victims most frequently asked questions. This EBook does not provide actual legal advice, as every accident and

More information

How to Lower Your California Auto Insurance Rates

How to Lower Your California Auto Insurance Rates How to Lower Your California Auto Insurance Rates How to Lower Your California Auto Insurance Rates How to Lower Your California Auto Insurance Rates Free Online Articles Directory Why Submit Articles?

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

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

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

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

AUTO INSURANCE CLAIMS & CLAIMANTS RIGHTS

AUTO INSURANCE CLAIMS & CLAIMANTS RIGHTS AUTO INSURANCE CLAIMS & CLAIMANTS RIGHTS NUTS & BOLTS You ve had an accident. Your vehicle is damaged. Now you are counting on insurance to help pay for the repairs... This brochure answers the most common

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

Are YOU paying too much for auto insurance?

Are YOU paying too much for auto insurance? 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. Fusura 800

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

AUTO INSURANCE CLAIMS & RIGHTS

AUTO INSURANCE CLAIMS & RIGHTS AUTO INSURANCE CLAIMS & RIGHTS You ve had an accident. Your vehicle is damaged. Now you are counting on insurance... to help pay for the repairs... This brochure answers the most common insurance-related

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

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

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

Auto Insurance from The Hartford. Get the coverage and value you need for the long road ahead.

Auto Insurance from The Hartford. Get the coverage and value you need for the long road ahead. Auto Insurance from The Hartford Get the coverage and value you need for the long road ahead. Better coverage, better value for you and your family. When you buy auto insurance, you re not just protecting

More information

CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT

CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT INSURANCE ISSUES RELATED TO THE SHORT-TERM RENTAL OF CARS This Special Report was written by Kenneth R. Hale, J.D., CPCU, AAI, LIC. Mr. Hale is Chairman of

More information

Insurance Primer. Collector Car Insurance

Insurance Primer. Collector Car Insurance Insurance Primer A Crash Course in Collector Car Insurance Finally, you own the vehicle you ve spent a lifetime dreaming about. Now what? The next step is to protect your investment. Auto policies covering

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

insurance Insurance Protecting what s important to you Inside... What insurance do you need? Types of insurance Buying insurance

insurance Insurance Protecting what s important to you Inside... What insurance do you need? Types of insurance Buying insurance insurance Insurance Protecting what s important to you Inside... What insurance do you need? Types of insurance Buying insurance What insurance do you need? Insurance is a way to protect you (and your

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 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

Liberty Mutual Auto & Home Voluntary Benefits. Name of Client Presented By: Date

Liberty Mutual Auto & Home Voluntary Benefits. Name of Client Presented By: Date Liberty Mutual Name of Client Presented By: Date 1 About Liberty Mutual Private provider of personal automobile, homeowners, workers compensation, general liability, commercial auto, business property,

More information

Insurance Frequently Asked Questions

Insurance Frequently Asked Questions Insurance Frequently Asked Questions Q: What kinds of questions should I be expected to answer when I m applying for an insurance policy in Kentucky? Why do insurers need so much information? A: When you

More information

Insurance LESSON 18. How Do I Purchase Insurance?

Insurance LESSON 18. How Do I Purchase Insurance? Insurance LESSON 18 In life, bad things happen. Unpleasant as it may seem, something life threatening or fi nancially devastating could happen to you right now. Someone could steal your MP3 player or your

More information

What you. need to know. Auto Insurance. A consumer information publication

What you. need to know. Auto Insurance. A consumer information publication What you Auto Insurance need to know A consumer information publication The Minnesota Department of Commerce has prepared this guide to help you better understand auto insurance. It gives you information

More information

TOP10 AUTO INSURANCE FAQ S

TOP10 AUTO INSURANCE FAQ S TOP10 AUTO INSURANCE FAQ S Lane s Insurance Chad answers the Top 10 most frequently asked Auto Insurance FAQ s A Publication By: 1 1 - Why is my premium so high? Auto insurance premium rates are based

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

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

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 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

Allstate Indemnity Company Important Notice

Allstate Indemnity Company Important Notice Allstate Indemnity Company Important Notice Special Notice to Minnesota Auto Insureds The following surcharge information effective as of 8/2/2010 is provided to help you better understand your auto insurance

More information

UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM

UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM A LET US EMPOWER YOU This brochure will empower you with the knowledge and tools necessary to complete your own property damage claim. One of the biggest inconveniences

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

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

JA ECONOMICS FOR SUCCESS (2012 Version)

JA ECONOMICS FOR SUCCESS (2012 Version) JA ECONOMICS FOR SUCCESS (2012 Version) Important Notes: Reference Working with Students page before teaching. Session 1 When giving directions to students, please provide oral and written explanation

More information

Renewal procedures differ depending on the type of account being renewed. However, renewing policies typically involves

Renewal procedures differ depending on the type of account being renewed. However, renewing policies typically involves Renewals Renewing a policy is an opportunity to o Reconnect with your clients; o Review their portfolios; and o Introduce new developments in the market or in insurance products. Renewal retention is a

More information

FACULTY OF EDUCATION AND THEOLOGY INITIAL TEACHER EDUCATION TRANSPORT POLICY

FACULTY OF EDUCATION AND THEOLOGY INITIAL TEACHER EDUCATION TRANSPORT POLICY FACULTY OF EDUCATION AND THEOLOGY INITIAL TEACHER EDUCATION TRANSPORT POLICY September 2013 Contacts School Partnership Office Head of School Partnership Office Nicola Thompson 01904 876549 School Placement

More information

CAR INSURANCE. Risk management, insurance, comparison shopping

CAR INSURANCE. Risk management, insurance, comparison shopping Grades 9-12 Lesson 8 CAR INSURANCE Key concepts: Risk management, insurance, comparison shopping Summary: This lesson introduces students to car insurance, including managing risk, understanding what factors

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

Auto Insurance. An Introduction for Adults

Auto Insurance. An Introduction for Adults Auto Insurance An Introduction for Adults Nationwide and the Nationwide Frame are federally registered service marks of Nationwide Mutual Insurance Company. Facilitator s Guide Auto Insurance Overview:

More information

INJURY LAW ALERT WINTER 2007/2008 ISSUE

INJURY LAW ALERT WINTER 2007/2008 ISSUE INJURY LAW ALERT WINTER 2007/2008 ISSUE WHEN AN ANIMAL ATTACKS... Every year, tens of thousands of people are injured in animal attacks. Although most victims are not seriously hurt, some are, and a number

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

Personal Umbrella Product for Preferred Applicants

Personal Umbrella Product for Preferred Applicants ABRAM INTERSTATE INSURANCE SERVICES, INC. Personal Umbrella Product for Preferred Applicants Our Personal Umbrella product for Preferred Applicants is designed for risks with favorable driving records

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

Being a younger driver: the key findings 5. Why premiums vary 8. Recommendations 11. Ways to cut your costs 13. 1 The case studies 16

Being a younger driver: the key findings 5. Why premiums vary 8. Recommendations 11. Ways to cut your costs 13. 1 The case studies 16 2 The Cost of Car Insurance for Young Drivers in Northern Ireland Introduction 4 What we did 4 Being a younger driver: the key findings 5 Why premiums vary 8 Recommendations 11 References 12 Ways to cut

More information

Tips To Save Money When Buying Insurance

Tips To Save Money When Buying Insurance Tips To Save Money When Buying Insurance This publication presents practical ideas for saving money on insurance. It is not intended to be an in-depth source for insurance information, nor does it attempt

More information

Car Costs CAR COSTS. Should I Be Listening? HIGH COSTS OF INSURANCE BEFORE YOU GO CAR SHOPPING WARRANTY INFORMATION INSURANCE TALK KEEPING DOWN THE

Car Costs CAR COSTS. Should I Be Listening? HIGH COSTS OF INSURANCE BEFORE YOU GO CAR SHOPPING WARRANTY INFORMATION INSURANCE TALK KEEPING DOWN THE TEEN GUIDE moneytalks4teens.org Should I Be Listening? Car Costs What kind of car is right for you? A black sports car? A red truck? A silver economy car? Uncle Henry s old minivan? If you are like most

More information

TYPES OF INSURANCE. Advanced Level 2.6.5.G1

TYPES OF INSURANCE. Advanced Level 2.6.5.G1 TYPES OF INSURANCE Advanced Level Take Charge Today August 2013 Types of Insurance Slide 1 WHY IS IT IMPORTANT TO HAVE INSURANCE? 2.6.5.G1 Risk - chance of loss from an event that cannot be enerely controlled

More information

JUST BEGINNING. Your financial life is. I m Buying a Car!

JUST BEGINNING. Your financial life is. I m Buying a Car! Your financial life is JUST BEGINNING. The decisions you make now will put a steering wheel and a credit card in your hands. But they will also affect your financial future. Your choices may even prevent

More information

WAYS TO SAVE ON YOUR AUTOMOBILE INSURANCE QUINCY MUTUAL GROUP

WAYS TO SAVE ON YOUR AUTOMOBILE INSURANCE QUINCY MUTUAL GROUP WAYS TO SAVE ON YOUR AUTOMOBILE INSURANCE QUINCY MUTUAL GROUP Table of Contents Part I- Shopping for Insurance 1 Part II- What is in My Insurance Policy? 3 Part III- How Do I Lower My Premium? 5 Part IV-

More information

Some of the choices you make can influence what you pay for insurance. Let's look at few of these factors:

Some of the choices you make can influence what you pay for insurance. Let's look at few of these factors: Objectives: 1. To understand and learn about the factors that affect the cost of auto insurance 2. To learn ways teens can lower their cost for auto insurance 3. To provide an interactive segment allowing

More information

Coverage for Other People Using Your Car. Today s Lecture State Farm Car Policy. Other People s Use of Your Car - Example

Coverage for Other People Using Your Car. Today s Lecture State Farm Car Policy. Other People s Use of Your Car - Example Today s Lecture State Farm Car Policy Other people using your car Your using other cars Other people using other cars Coverage for Other People Using Your Car Anybody using your car with permission is

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

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

PERSONAL FINANCE TASK 3: CREATE A PERSONAL BUDGET. VE Departments Involved All Employees. Month for Activity/Time Frame Early October / Five Days

PERSONAL FINANCE TASK 3: CREATE A PERSONAL BUDGET. VE Departments Involved All Employees. Month for Activity/Time Frame Early October / Five Days PERSONAL FINANCE TASK 3: CREATE A PERSONAL BUDGET VE Departments Involved All Employees Month for Activity/Time Frame Early October / Five Days Note: o The activities in Personal Finance Task 3 have been

More information

Choosing Health Care Insurance Medicare Supplements

Choosing Health Care Insurance Medicare Supplements Choosing Health Care Insurance By Steve Meinhardt http://yumainsurancehealth.com Office: 928-217-3621 Mobile: 928-580-7102 Fax No: 928-344-3507 Email: steve@yumainsurancehealth.com Or - Fill out the contact

More information

AUTOMOBILE INSURANCE COVERAGE FOR NS HOPA SUBSCRIBING MEMBERS

AUTOMOBILE INSURANCE COVERAGE FOR NS HOPA SUBSCRIBING MEMBERS Risk Management Bulletin for Subscribing Members January 2014 AUTOMOBILE INSURANCE COVERAGE FOR SUBSCRIBING MEMBERS Insurance coverage provided by and Aviva to Subscribing Members includes automobile liability

More information