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Saturday

2

April 2016

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COMMENTS

The Basics of Car Insurance: A step by Step Guide

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Faq - The Basics of Car Insurance: A step by Step Guide

The Basics of Car Insurance: A step by Step Guide

 Most people buy an automobile as their first major purchase, actually a new car is second only to a home as the most expensive purchase many consumers make. Many would purchase vehicles for over $28,000; it’s easy to see why one would want to protect that investment. Before we talk about coverage for the automobile itself, its important to ask this question, what do many people believe is the most important coverage?

Liability coverage pays the injuries or damages you or someone driving your car cost to other people or their property. There’re two liability coverages; bodily injury liability and property damage liability.  Every state has different laws that dictate the minimum coverage you must carry for this, some states require you to prove you have insurance before registering a motor vehicle. Other states use the honor system where you only have to provide proof that you’ve never had an accident or a violation. read more

Tuesday

29

March 2016

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COMMENTS

Understanding Insurance Companies and the Roles of Agents

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Types - Comprehensive insurance coverage explained: Benefits and Costs

Insurance Companies and the Roles of Agents

An insurance company helps an individual in the event of a loss. It is good to ask your local independent agent to help you decide which  option is right for you whether you are purchasing insurance for a new car purchase or to protect your investment.

Not many people can  afford to pay for a big accident out of their own pocket but, how much insurance do you need, the costs involved and whether you can access the premium services? Understanding your insurance policies is easier said than done, that’s where an independent agent comes in. An independent agent is  there to answer your questions and help you understand the coverages and limits you need to protect you and your family and to make the right decisions. read more

Monday

28

March 2016

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COMMENTS

The purpose of an insurance policy and coverage explained

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how-to-choose-car-insurance

The purpose of an Insurance Policy and Coverage Explained

First, we need to understand the purpose of an insurance policy; an insurance policy is an agreement between you and the insurance company. You agreed to pay a premium for this coverage and protection is provided by the policy and in exchange, the insurance company agrees to pay referral losses covered by the policies such as fire damage.

Insurance policies are not meant to cover all expenses, that’s why insurance policies include a deductible; the deductible is the amount you have to cover out of your own pocket when a loss occurs. read more

Thursday

24

March 2016

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COMMENTS

5 Proven Methods of Choosing the Best (and Cheapest) Car Insurance

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Faq - 5 Proven Methods of Choosing the Best (and Cheapest) Car Insurance

Proven Methods of Choosing the Best (and Cheapest) Car Insurance

Methods of choosing the best car insurance

Most of us want to have better and effective car insurance but we constantly we fail. The following are the best methods of choosing the best car insurance.

Find the best coverages and amenities,  by coming up with a list of amenities and coverages, you will be able to easily find the best car insurance.

Customer service of the company should be considered.

Over-viewing the company’s reputation as you’re looking for a cheaper option: Once a person finds a cheap car insurance provider, in most cases, they fail to observe the company’s activities and customer reviews that give  a clear concept regarding the company. read more

Saturday

12

March 2016

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COMMENTS

Car Accident Insurance Claim: Learning how to Negotiate

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Faq - Car Accident Insurance Claim: Learning how to Negotiate

Car Accident Insurance Claim: Learning how to Negotiate

Television commercials and insurance companies are all over the place talking about their coverages; if you’re new to buying insurance this might be very important for you, however, even if you been playing car insurance for years an explanation of what the term coverage really means might be important to you so I started to talk about liability.

Liability coverage means that if you are a responsible negligent, you’re responsible for somebody else getting hurt or property being damaged, for instance the other car. The coverage is the amount of money available from the insurance company to the other person; often times you’ll see something called split limits which means I’ll pay hundred thousand dollars per person that’s been hurt or $300,000 for everybody who was in the car. read more

Saturday

12

March 2016

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COMMENTS

Car Insurance Legal tips: Disputing an Insurance Total Loss on your Car

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Faq - Car Insurance Legal tips: Disputing an Insurance Total Loss on your Car

Car Insurance Legal tips: Disputing an Insurance Total Loss on your Car

Today we talk about how to dispute an insurance total loss on a car.

The first thing you want is to have taken pictures of your car to demonstrate the excellent condition it was in before the accident.  You will show the insurance company what they’re talking about, they say a picture’s worth 1000 words it really is in this case.

The next thing you want to do is to get a reputable price, your grade book should demonstrate your car’s year make and model. If your car is in excellent condition it might be rated higher than what the insurance company is willing to give you. read more

Saturday

12

March 2016

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COMMENTS

What is The Average Monthly Cost for Car Insurance?

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Faq - What is The Average Monthly Cost for Car Insurance?

What is The Average Monthly Cost for Car Insurance?

Today we are going to talk about what the average cost of auto insurance, this is a really tricky question because it’s affected by a few factors.

  • Factor number one, where you live,  the city versus the rural areas. That’s going to make a big difference because obviously if you’re in the city you have more cars around you. The chances of becoming involved in an accident are greater and so the insurance will be higher. 
  • Fact number two,  how far you drive to work.  Someone who drives more hours has a high accident risk compared to  somebody who’s driving lesser miles per day.  
  • Fact number three, Value the vehicle. This makes a big difference when you have a 1972 Datsun pick up truck or you have a 2011 Mercedes. You’re going to pay a lot more for the Mercedes because of the value of the vehicle.
  • Fact number four, your driving history. If you have no accidents and you have a squeaky clean record  for three years, your cost of insurance will not be as high as that of someone who has a bad driving history.
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    Saturday

    12

    March 2016

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    COMMENTS

    Want to Switch Car Insurance? Here’s how you can do

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    Faq - Want to Switch Car Insurance? Here's how you can do

    Want to Switch Car Insurance? Here’s how you can do it

    Switching car insurance is very easy once you’ve found the best rate. What you want to do is go ahead and purchase your new policy. The agent will go ahead and give you declarations papers with coverage for the new policy purchasing, then say you want to cancel the policy that you had previously.

    Make sure that you have your new policy and in written form and always keep a record for yourself.

    Don’t  cancel your policy on the day that your new policy starts. If you paid in full for your policy, let’s say for example, you have six months left on the policy you are entitled for a refund.  A written form must be faxed to the old insurance company as soon as possible; refunds usually takes about 2 to 3 weeks;  keep in mind that there may be deductions or policy cancellation fees. read more

    Saturday

    12

    March 2016

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    COMMENTS

    Get Rid of a Car Loan: Guide Step by Step

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    Faq - Get Rid of a Car Loan: Guide Step by Step

    Get Rid of a Car Loan: Guide Step by Step

    Let’s talk about how to get rid of a car loan. You should only take a car loan that is not going to overburden you going forward. 

    Car dealers will  sell someone a car that is not affordable to them and eventually they may not be able to pay the loan. It’s important for you to be aware of the current nature of the loan and place a  significant down payment on that car.

    Another way to get rid of the car loan is to make payments on time depending on what your focus is. You can make extra payments on the car as this will retire the debt and you will have nothing to worry about. read more

    Saturday

    12

    March 2016

    0

    COMMENTS

    Car Accident Insurance Coverage, Claim, Process and Costs

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    Faq - Car Accident Insurance Coverage

    Car Accident Insurance Coverage, Claim, Process and Costs

    This is your recognized insurance expert. Today, we will talk about the procedures that you should be thinking about in the event that you are in an accident.

  • Regardless of who’s at fault it is important that you exchange your insurance information with the other person.  This doesn’t mean that you’re admitting fault in any way but what you really want is the auto insurance people to talk to the other person.
  • To do that,it’s really  important to exchange auto insurance cards and any information that you need. Also, take as many photos as possible because it’s the best way  you can let your insurance company  or even the other insurance company know how the scene looked like.
  • While you’re at the scene, call the emergency phone number that is on your insurance auto ID card. Calling that number is free, so the most important thing is to exchange auto insurance information to contact your insurance agency. 
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