July 2009

In this day and age, it is very difficult to save money.  Everything seems to be going up in price – especially your car insurance.  When do you know is a good time to switch your car insurance company?  Well, that is exactly what we are going to talk about below.  It is very hard to stay with one car insurance company nowadays because there are so many deals out there – however, you may be getting the best deal on the market, you just never know!

One of the first things that you need to know whenever you are looking to switch up your car insurance is review your policy.  To be completely honest, most people have no idea what is covered in their car insurance policy, therefore they have no idea what would be a good deal if they were going to switch car insurance companies – do not let this happen to you.

In the next blog, we are going to talk about some more steps that you need to take before you actually take the dive and get yourself a new car insurance company!

Now that we have discussed a little bit about what happens to your car insurance premium when you are delivering pizza – what happens if you simply do not tell your car insurance company that you are delivering pizzas with that car?  Well, to be honest, it will not prevent the coverage issues that you will face if your car gets stolen, broken into or even if you get in a car crash while delivering a pizza.  Policies for car insurance will range from place to place and company to company.

However, most of the car insurance lingo is going to be the same and it goes something like this:  “We will not pay for damages arising out of the operation of the motor vehicle to carry persons or property for a fee.”  This means that you truly will have to look over your policy – there could be some clauses in there that will really prevent you from getting your claim check.

Car insurance companies are not stupid and they have been doing this for quite a while, so it is best to just come clean with them right from the start.

Pizza delivering can be a difficult business – not only on your car but also on your car insurance premium.  Most of the time, car insurance premiums are based around people that are not using their car for business use but did you know that if you happen to get into a car crash when you are delivering pizza – it could really cost you a lot more money?  Also, the miles and wear and tear that you put on your car can be really hard on your car insurance premium.

Now – obviously you can not quit your job, so what do you do when you have to deliver pizzas in your car?  Well, you need to make sure that you get yourself a commercial auto policy.  Now, these policies are designed and priced for the risks that drivers take when they go to many different places. 

In the next blog – we are going to talk about whether or not you should tell your car insurance company that you are delivering pizzas in order to keep costs low.

Another company that you are probably very familiar with is going to be Allstate Auto Insurance.  Whenever you are dealing with Allstate Auto Insurance – it is going to be a good experience.  This company is definitely one of the best to work with and if you are looking for number one in customer satisfaction, this is going to be the one company that will help you.

Allstate Auto Insurance is one of the very auto insurance companies that actually allow their customers to almost customize their policy and they also have Accident Forgiveness, which not a lot of car insurance companies offer right now.  The safe driving bonus is also extremely cool and you can file a claim 24/7, because they are always there for you!

Check out Allstate Auto Insurance prices, I can promise that you are going to be one satisfied customer!

Your guide to car insurance Ireland

When it comes to car insurance, knowing your car insurance company is very, very important – for example, do you know the top seven car insurance companies of the world?  Probably not, because I didn’t until I looked them up.  Amica Auto Insurance is actually one of the best car insurance companies and honestly, until I did this blog, I had never heard of them before!

Amica is actually a mutual insurance company that was founded way back in 1907 and it is by far the oldest mutual auto insurance company in the United States.  Amica does business in pretty much every single state but Hawaii and to be honest, they are pretty competitive with their rates as well. 

Amica, like Liberty Mutual has received an A.M. Best rating of A++ which is their highest rating.  They also have the highest customer satisfaction by the J.D Power and Associates.  So really – this is the company to go with!

We all know that car insurance is something that you are going to need to have … no matter what age you are.  However, did you know that if you are a teenager, it is difficult to find car insurance that is affordable?  Honestly – the reason for this is because most car insurance companies view teenagers as risky drivers and that is one of the main reasons why the rates are so expensive for insurance … however, there are ways that you can cut the costs down.

For one, you need to make sure that you get good grades and take drivers ed.  Teenagers who do not take drivers ed and do not get good grades are the ones that usually have to pay a bit more for car insurance.  Another thing that can factor into the car insurance price is going to be the type of car that you get.

If you are a teenager and driving around in a sports car – you are definitely going to have a higher premium, however if you get a sensible car, you can absolutely get a lower price on car insurance!

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If you are like many of the car owners out there – you probably do not see any reason for temporary car insurance.  To be honest, most people don’t, however, there are many reasons for it and that is exactly what we are going to explore below.  Did you know that temporary car insurance is actually fantastic when you are traveling for an extended period of time?  For example, if you are going to be staying in a place for six months, you might want to get yourself a car and then get it temporarily insured, that way you can drive it around.

Another reason for temporary car insurance is for the rates.  Some people actually use temporary car insurance while they are in between car insurance companies and to be honest, they usually pay a lower rate with the temporary car insurance companies and they can save a lot of money … which in the long run is what we are all after right?

Those are just a few of the reasons why people use temporary car insurance and why it is so important for you know about it!

Now that you know just a few of the tips and tricks available to you whenever you are filing a car insurance claim, there are a few more that we are going to touch on.  For example, staking your claim extremely quickly?  Did you know about that one?  That is a huge one, actually, the faster that you stake your claim, the better off that you are going to be.  If you have any questions about your policy too, the time to ask is before you need to make a claim, remember that.

Next, you want to make sure that you get a copy of your police report.  If your claim involves any collisions, you need to file a police report and make sure that you keep a copy.  Also get the name, address, name of the other party’s insurance company and phone number before you leave the scene at all.  Also, while you are there, never ever admit fault or even offer to pay for any damages, it can jeopardize your insurance coverage.

Now that you know exactly what to do, filing a claim should be no problem for you at all!

Submitting a car insurance claim for the very, very first time is something that can be very scary if you really have no idea what you are doing.  After all, besides filling out a form, what could there really be to know about submitting a car insurance claim?  Well, in order to win the claim, there are a few tips and tricks that you should know about and that is exactly what we are going to talk about below!

Firstly, you need to make sure that you avoid using the word lawyer.  You never want to threaten to get your lawyer involved and while you might want to get your claim settled, you should call your state insurance department firstly and if nothing happens there, than you should consult your lawyer, but your lawyer should not be your first step.  Next, you want to make sure that you know exactly what your policy covers and what deductibles you might have in there.

And this is exactly where we will pick up in the next blog, stay tuned ladies and gentlemen!