Insurance

Auto Insurance - Some Observations, Needs and How to get yourself the Best and Cheapest Policy

The recent study conducted to gauge the driving knowledge of common Americans revealed that the Oregon drivers fared best with a score of 89% (the average score required to pass a normal driving test is 70%) and the Rhode Island drivers were ranked lowest with an average score of 77%.

The results depicted the test scores of around five thousand licensed individuals nationwide, falling in the age group of 16 years - 65 years. The written test comprised of 20 questions on the same lines as the ones asked at the time of awarding state level driver licenses or permits. The whole initiative was carried out by the GMAC (General Motors Acceptance Corporation) Insurance.

The overall inference that can be drawn from the test results is that a lot of Americans are significantly lacking in basic knowledge of traffic rules and safe automobile driving. The comprehensive study revealed that in fact if a test were to be conducted today, almost one in ten drivers (which is a whopping 20 million US citizens) would fail the state driving test.

Almost all the States of America have made it mandatory for drivers to have an auto insurance policy in place before venturing out on to the streets with their vehicles. Selecting the right auto insurance policy can be a very difficult task as there are various factors that come into play. You need to be well prepared to get the just right kind of policy that doesn't dig deep into your pockets and provides you with a satisfactory insurance cover too.

If you wish to have the cheapest auto insurance available in your state, you must begin with studying the basic insurance laws of your state. Find out the legal minimum requirement for not getting penalized and then start scouting for the basic minimum plans that are available meeting those requirements.

The decision to purchase the kind of auto insurance plan rests completely with you. If you are a more of Ferrari types and zoom past the city streets everyday, it'll be best to get the most advance auto insurance cover, else if you are the sober kinds who adhere the traffic laws to the hilt and rarely venture out in your vehicle, even the most basic cover would do.

Auto insurance has various aspects like liability cover, collision cover, comprehensive cover, medical coverage etc. to it. So if you are covered for liability, your policy will pay up in case you cause any accidental damage to anyone else's property. With a comprehensive cover, all the damages to the vehicle occurring from causes like natural disaster, political unrest etc. are covered. If you've opted for the collision cover, only the damage suffered by your car is paid. Medical coverage takes care of your medical expenses resulting from an accident.
There are several other types of covers too and your final auto insurance policy will be a mix and match of them, depending on your preferences.

So before you head online or offline to purchase an auto insurance policy, there are several factors that you'll need to think on. However, with a systematic approach, everything will fall in its right place.

Author Resource:- Mark Robinson writes for Auto-Insurance.GuideFin.com. Visit his website for information about auto insurance.

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Understanding Your Car Insurance Online Quote

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Car insurance companies all over the country are offering certain perks that will make a policy with the company more attractive. And, since you can go online now to find insurance quotes, you may want to know if the quotes for car insurance you view on the Internet are accurate. Here are some tips you can use to better understand your online car insurance quote, and make the right decision for purchasing your insurance policy.

Your car insurance quote will be as accurate as you make it in most cases. When you go to sites for companies like Geico or State Farm, you will have to fill in your zip code first, so that the rates in your city or state can be located. You will then have to input information such as your address, telephone number, and the registration information for all of your vehicles.

This will determine how much you can expect to pay every month for your car insurance, and will tell you whether or not you are eligible for some of the benefits that the car insurance company has to offer.

Keep in mind that while the car insurance online quote that you will receive is based on the information you supply, it is only an estimate. So, if you think you may be interested in purchasing a policy based on the quotes for car insurance you have received, be sure to talk to an insurance agent before making a final decision.

You should also find out all you can about the benefits that will be available to you as a result of your purchase from the car insurance company. For instance, you could be rewarded every year for being a safe driver if you have a policy from All State, and you can choose from platinum, gold, and standard packages that will include features like new car replacement if your car is damaged in an accident, and insurance for other areas of your life, such as motorcycle or boat insurance.

You may also receive additional benefits when you've been a customer for a while, such as travel insurance from AIG, as well as flexible payments plans that you can find out about online. Your car insurance online quote may also include options for payment, and in most cases, you can pay your car insurance bill online through your bank account, and you can find out about changes to your account or policy at your own pace.

BlueWaterArticles.com: - Understanding Your Car Insurance Online Quote

About the Author

Bill Protresi is an online insurance providing tips and advice. Visit Bill at his general insurance siteor site specialized to travel insurance.

Submitting A Car Insurance Claim Need Not Be Painful

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Having driven for many years, I have found myself in the position of filing a car insurance claim once and a while. The most recent claims I have had to file have been due to hitting a deer. I felt sorry that the animal had to die, but I also felt sorry for myself, after seeing the damage that had occurred.

Sometimes, especially when it was my fault, I felt a lot of stress when I submitted a car insurance claim. The person who I talked to, usually on the phone, wanted to know all of the details. You will find that you are often stressing about which piece of information that you give them will result in a rise in your premiums, a cancelled policy, or a fit of laughter from the other end of the phone.

When I file a claim I find that the agent is very helpful and sympathetic. This makes it painless to file a claim. They are the first to ask me if everyone involved is ok.

Contacting your local agent first is the best way to go. You might have to contact the insurance company's claim office eventually, but your local agent will be able to point you in the right direction. They will give you information on what you will need to tell them and how it should be presented.

When another person and their vehicle is part of the process, things might get a bit more complicated. This is when every single bit of information that you can muster is important. This information includes timing, place, your story of what happened, names of any people or witnesses involved, the types of cars involved, license plates, and any conditions.

You want your insurance company to take your side whether the accident was your fault or not. In order for this to happen, you need to be honest and give them as much information as possible. This will make the claim process a lot easier.

Up to now the discussion has been about what to do and what to expect in the event you have to file a claim. If you are a first time buyer of car insurance or looking for another insurance company you'll want some idea of what you can expect in terms of coverage, premiums, and customer service. Thanks to the Internet, getting free car insurance quotes is relatively easy, much easier than in the pre-Internet age when one had to rely on magazine and newspaper advertisements and multiple phone calls to gather information to base a decision upon.

A quick search in any search engine can get you started in getting a free car insurance quote. Talk to other people in order to get information on customer service of various companies. When you combine talking to others and the internet, you are sure to find a company that will allow fast and painless car insurance claims.

Article Source: http://www.articlenorth.com

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