Auto Insurance companies are always looking for reasons to increase what you pay for auto insurance. If you have an accident. If you have a teen driver. If you file certain types of claim. If you don't have a garage. If you buy a car that happens statistically to be stolen more often. If you change jobs and have a longer commute to work. These are all reasons that an insurance company may decide gives them the right to raise your auto insurance premium. The only way for you to stop them from increasing your rates is to make them compete for your business. As in all negotiations, Information is Power and more importantly, you have to be willing to Walk Away from a bad relationship.
INFORMATION IS POWER - The Internet provides consumers the opportunity to learn about their insurance options. First of all, you can get multiple insurance quotes without having to talk to an insurance agent or sales representative. There are many sites now that allow you to provide driver, vehicle, claims and violations information online in order to show you insurance quotes from multiple companies. You can also visit each company site individually and request a single quote from each. You should be wary of individual companies that promise to give you other company's rates, in insurance, there are people they want to sell policies to and people they don't want to sell policies to, can you really trust them to provide quote information that isn't in their company's best interest. Secondly, just because you shop online with out talking to an agent doesn't mean you have to buy online without talking to an agent. Most online services give you the option of talking to a licensed agent before you buy.
WALKING AWAY - if you aren't willing to end a bad relationship, then the abuse will never end. We need to show insurance companies that they can't just raise rates when ever they feel like it. Insurance companies know that a rate increase will only motivate a small number of their policyholders to look else where. They count on your apathy. Don't let them get away with it. Shop your auto insurance today.
Kamis, 15 April 2010
Minggu, 11 April 2010
Auto Insurance Coverages
Protecting Yourself and Your Car with Liberty Mutual
* Understanding Coverages
Liability
If you hurt someone or damage someone's property in an accident, we'll pay for covered damages and also defend you if someone sues you as a result.
Medical Payments / Personal Injury Protection
We'll pay for covered medical expenses up to policy limits for anyone injured while in your vehicle, regardless of who is at fault.
Uninsured / Underinsured Motorists
If you're in an accident caused by someone who doesn't have insurance, or not enough, we'll cover you and other passengers in your vehicle, up to your policy limits.
Collision
If you add Collision coverage, you're covered if your car rolls over, hit by another car, or hits another car or object, minus your deductible.
Comprehensive
You may purchase this coverage to protect your car if it is stolen or damaged by something other than collision, such as fire, vandalism, windstorm, earthquake or hail. A deductible applies.
New Car Replacement
With New Car Replacement, you'll get the money for a brand new car if yours gets totaled. We will replace your new vehicle with no depreciation charged if it is declared a total loss. This program is available to you if your car is owned by you, is less than one year old, has less than 15,000 miles, and was not previously owned. The program is not available in North Carolina or Wyoming and a deductible applies.
Unlimited Rental Coverage
If you are ever in an accident, you can rely on our optional Unlimited Rental Coverage to pay your rental costs for as long as it takes to fix your car. You must purchase this coverage and elect to have your car repaired at a Liberty Mutual-approved facility and allow Liberty Mutual to arrange for the rental car. Program availability varies by state and daily limits apply.
Mechanical Parts Replacement
A car is only as reliable as its parts. When your car is repaired at a Liberty approved shop, you're covered for car parts damaged in a covered accident without depreciation, no matter how old they are. The loss must be covered by your policy.
Car Windshield Repairs
If you have Comprehensive or Glass Coverage and your windshield or other safety glass is damaged, if you choose, we'll arrange for service at your home, place of employment or other convenient location, and we guarantee a quality repair or replacement.
Get an Auto Insurance Quote2008092411535472
The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.
* Understanding Coverages
Liability
If you hurt someone or damage someone's property in an accident, we'll pay for covered damages and also defend you if someone sues you as a result.
Medical Payments / Personal Injury Protection
We'll pay for covered medical expenses up to policy limits for anyone injured while in your vehicle, regardless of who is at fault.
Uninsured / Underinsured Motorists
If you're in an accident caused by someone who doesn't have insurance, or not enough, we'll cover you and other passengers in your vehicle, up to your policy limits.
Collision
If you add Collision coverage, you're covered if your car rolls over, hit by another car, or hits another car or object, minus your deductible.
Comprehensive
You may purchase this coverage to protect your car if it is stolen or damaged by something other than collision, such as fire, vandalism, windstorm, earthquake or hail. A deductible applies.
New Car Replacement
With New Car Replacement, you'll get the money for a brand new car if yours gets totaled. We will replace your new vehicle with no depreciation charged if it is declared a total loss. This program is available to you if your car is owned by you, is less than one year old, has less than 15,000 miles, and was not previously owned. The program is not available in North Carolina or Wyoming and a deductible applies.
Unlimited Rental Coverage
If you are ever in an accident, you can rely on our optional Unlimited Rental Coverage to pay your rental costs for as long as it takes to fix your car. You must purchase this coverage and elect to have your car repaired at a Liberty Mutual-approved facility and allow Liberty Mutual to arrange for the rental car. Program availability varies by state and daily limits apply.
Mechanical Parts Replacement
A car is only as reliable as its parts. When your car is repaired at a Liberty approved shop, you're covered for car parts damaged in a covered accident without depreciation, no matter how old they are. The loss must be covered by your policy.
Car Windshield Repairs
If you have Comprehensive or Glass Coverage and your windshield or other safety glass is damaged, if you choose, we'll arrange for service at your home, place of employment or other convenient location, and we guarantee a quality repair or replacement.
Get an Auto Insurance Quote2008092411535472
The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.
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