Saturday, October 29, 2011

Car Insurance Quote Online Progressive Auto Insurance Rate

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Tuesday, October 25, 2011

Personal Or Commercial Auto Insurance?

!±8± Personal Or Commercial Auto Insurance?

When you own an independent business or are self-employed, sometimes it can be difficult to decide if you need personal or commercial auto insurance. Many people make the mistake of thinking that commercial insurance is just for businesses. This is false - it depends on the type of vehicle you own, and how you use it. Some independent business owners may believe they don't need commercial policy, but they really do. Don't make wrong decisions because you aren't sure what you need; you could eventually regret it later.

Benefits of Commercial Auto Insurance
Commercial policies tend to have higher liability limits than a personal policies, and they can usually cover multiple vehicles. You can also have your employees and co-workers listed as covered drivers on your policy. Also, having a commercial insurance, when required, keeps you legal. This is enough of a reason to make sure you've got it right.

Personal Auto Insurance Might Exclude Coverage
Personal policies might exclude coverage if you're involved in an accident while using your vehicle for business. In general, if you use your vehicle for any type of business, you probably should have a commercial policy. Some examples of business use include delivery or transportation services, such as pizza and newspaper delivery, or using your vehicle to drive to multiple worksites or meet with clients every day.

Other Types of Commercial Insurance Coverage
It's a good idea for independent businesses to purchase Non-Owned auto insurance and Hired auto insurance.

Non-Owned auto insurance provides coverage to employees that occasionally use their personal vehicles for business purposes. Hired auto insurance provides liability coverage for vehicles driven that you or your business do not own, such as rented vehicles. Definitions and requirements for each type of policy can differ by state. Not all types of vehicles will be covered by a commercial policy, such as emergency vehicles and double-decker buses, so it's important to check with your insurance provider to see what types of vehicles can be insured.

It's always best to talk to a professional when buying insurance for your business. This can save you time and money while eliminating the hassle of having to dig for answers yourself. Most companies are more than willing to walk you through the process over the phone. Try to be prepared to be able to answer basic questions about your company and your vehicles when you decide to call. If you're not sure what type of information you'll need for a quote, a company representative will be glad to help you. You might be surprised how quickly you can become fully protected just by picking up the phone.


Personal Or Commercial Auto Insurance?

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Thursday, October 20, 2011

Finding an Auto Insurance Company - Top 7 Car Insurance Companies

!±8± Finding an Auto Insurance Company - Top 7 Car Insurance Companies

When searching for a car insurance company it is important to shop around and compare many different companies. Look for a well known company with a good reputation that has great customer service and that handles claims quickly.

Here are some of the top car insurance companies in the nation and some useful facts about each one that can help you make an informed decision when shopping for a car insurance policy.

1. Progressive Auto Insurance

Progressive is one of the largest auto insurance providers in the country and they have been in the insurance industry for over 70 years.

Their website offers 24 hour a day online claims reporting and policy service and management for the convenience of their customers.

In 2008, Progressive was put in 1st place for positive online customer experiences by The Customer Respect Group.

2. Nationwide Auto Insurance

Nationwide is another one of the largest financial service providers in the country. They have over 1 billion in assets.

Nationwide was ranked #108 on the Fortune 500 list.

Nationwide also has an online insurance claims center and a toll free number that customers can call 24/7 to file a claim.

3. GEICO Auto Insurance

GEICO is a large, well known company that has an excellent reputation for customer service.

They also offer many discounts to their customers such as an anti theft discount, college graduate discount, good student discount, military discount, driver's education discount, defensive driving discount and many more.

A.M. Best gave GEICO an A++ rating, which is their highest rating, for financial stability. GEICO has been in business for over 70 years.

4. Travelers Auto Insurance

Travelers took the #93 spot on the Fortune 500 list. They received an A+ financial strength rating from A.M. Best.

They also offer their customers many discounts such as a multi car discount, hybrid auto discount, good student discount, and a good driver discount.

Travelers Insurance is also a very large company. They have representatives in every state, Canada, Ireland, and the U.K.

5. Allstate Auto Insurance

Allstate is another top auto insurance company. They were given an A+ rating by A.M. Best for financial strength.

Allstate has many different programs that their customers can choose from. They have an Accident Forgiveness Program that keeps your car insurance rates from going up if you are in an accident and even if it is your fault. They also have a safe driving bonus. This allows you to earn a check for up to 5% of your premium for every six months that you are accident free.

Allstate offers 24/7 claims service online or by telephone.

6. Amica Auto Insurance

Amica is a mutual insurance company that was founded in 1907, making it the oldest mutual auto insurance company in the U.S. Amica does business in every state except Hawaii.

Amica received an A.M. Best rating of A++, which is their highest rating. J.D. Power and Associates has named Amica the highest in customer satisfaction for nine years in a row.

7. Liberty Mutual Auto Insurance

Liberty Mutual is a large mutual insurance company with over 900 offices around the world. Liberty Mutual went national in 1994, and now operates in more than twenty countries.

Liberty Mutual was given a score of A by A.M. Best for their financial strength.


Finding an Auto Insurance Company - Top 7 Car Insurance Companies

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