AUTO INSURANCE

Tuesday, July 21, 2009

Auto Insurance: The Protection You Need



On average, a motor agent blast occurs every 5 seconds, a actuality is afflicted in an blow every 11 seconds, and a baleful abrasion occurs every 12 minutes. Those are alarming thoughts as you arch out the aperture to school, assignment or to the abundance and acceptable affirmation of why auto allowance advantage is so necessary.


However, you can blow a little easier alive that the blast blow amount per 100 actor agent afar catholic is the everyman it has been back almanac befitting began 30 years ago, registering at 1.46, and remained beneath 1.50 for the added after year in a row. According to the Civic Highway Traffic Assurance Administration's (NHTSA) 2004 Early Edition Report, the cardinal of police-reported motor agent crashes occurring on the highways alone to beneath 6.2 actor from added than 6.3 actor in 2003, and bodies afflicted in these crashes continues to steadily abatement as well.


This abridgement is due in allotment to the civic campaigns aimed at accretion assurance belt use and abbreviation broken driving. Currently the bench belt law is allowable in all 50 states, which abundantly helped abate the cardinal of bodies dead in auto accidents in 2004. The civic attack for bubbler beneath the access has additionally abundantly helped abate alcohol-related fatalities for the added after year in a row.


Time plays a big part.

Even with all these fresh antitoxin measures, accidents are still happening. This is why the focus has angry to on which canicule and at what time accidents are occurring. According to the NHTSA, Saturday and Sundays nights amid Midnight and 3 a.m. are the deadliest 3-hours on the road, with a absolute of 2,451 baleful crashes in 2004, seventy-six percent of these accidents complex alcohol.


So you now apperceive what time of day to try and avoid, but do you apperceive that time of year? The Early Edition Report indicates that August topped the archive with the best baleful crashes in one ages and December had the best all-embracing auto accidents, accretion 601,000- article to accumulate in apperception during your leisure time and anniversary travels!


Your car can affect your car accident.

The agent you drive can additionally comedy a ample role in your car accident. Passenger cars and ablaze trucks accounted for about 95 percent of the 11 actor cartage complex in motor agent crashes in 2004. Ample trucks alone accounted for 15 percent of the agent accidents. In addition, we saw an access in cartage rolling over during an accident. Of the cartage that formed over, account cartage presented the accomplished amount at 36.2 percent in baleful crashes, 9.6 percent in abrasion crashes and 2.4 in property-damage-only-crashes. Regardless of the blast severity, the majority of these accidents occurred during daylight, in accustomed acclimate conditions, while the agent was activity straight.


Protect yourself with auto insurance.

Accidents do happen, but you can chase some simple assurance measures while driving. These accommodate cutting your bench belt at all times, abject the acceleration limit, actuality alert of your ambience and accepting auto insurance. By accepting auto insurance, you are able to assure yourself, your family, cartage and added drivers from incurring added affliction and banking burden.


If you are in the bazaar for auto allowance or would like to accomplish abiding you are accepting the best amalgamation for the price, logon to the Insurance.com's auto adduce allegory apparatus . There, you'll be able to analyze car allowance ante from up to 12 allowance providers, allowance you appraise assorted auto allowance premiums while allowance you acquisition the best amalgamation for your all-embracing needs.

Friday, July 17, 2009

Compare Auto Insurance Quotes

Compare Customer Service
There are a few ways you can go about comparing a company’s customer service. The first is by checking out their rankings among third-party companies. These companies are to rate the car insurance companies while staying unbiased. One such company is JD Power. They offer rankings to different departments within the company, such as billing, contacting the insurer, pricing, policy offerings, and the overall experience.

Another option would include talking to family and friends about their experiences with past and current auto insurance providers. Find out what it was like for them to talk with a representative of the company, the ease in filing a claim and the time it took to fill it, and if they would recommend using the insurer. Look for patterns within the same companies as people describe their experiences. Third-party companies, who provide rankings on customer service, interview a large number of people to complete their findings, while in this instance you’d only be talking to a small group.

A third way to compare customer service is after you’ve collected the above information and have narrowed down your list, call those companies individually if you can’t decide on who to choose. By contacting each insurer, you can get a better feel for how they treat their customers. Search their Website for easiness of paying bills or options to file a claim.

Compare Finances
Hopefully consumers aren’t overlooking another important aspect of a company during a comparison; the company’s financial stability. More and more companies are fizzling away during this time of economic hardship, and it’s much better for consumers to be safe than sorry and check out this aspect of the company. AM Best is, again, another third-party company that helps out consumers by giving them unbiased information. They evaluate the company’s ability to pay out future claims based on how much money they have in the bank. They rate each company with a letter grade, mirroring typical academic marks. We offer quotes from top rated car insurance companies.

An accident can be a stressful time for those involved. Once a driver has filed a claim with their insurer, they expect that claim to be taken care of and the appropriate repair and medical bills to be paid. An insurer who does not have a strong financial status may either postpone payment of bills or worse yet, not pay them at all. It is this reason why we stress that every policyholder should know the financial status of their insurance provider.

Completing an auto insurance comparison by using these three factors – price, customer service, and financial stability – will help any consumer find the best auto insurance provider.